Sound of water in bowl is normal. There will be some between the inner & outer tubs also some water in top balance ring around top of inner spin bowl which is supposed to be there to balance bowl when on fast spin. To find out what is blowing the fuse you will need a continuity (ohms) test meter and the knowledge to use it to trace the fault & find out what is shorting out. Could be anywhere. Wiring touching bare metal, faulty motor, drain pump, brake solenoid or even the PCB itself. If you don't have the necessary test equipment or fault finding experience then I suggest you call someone out to do it before you damage the control board by blowing the fuse all the time.
Lincoln Appliance NZ, June 2012