Speaker 1: Hello, and welcome to She's on the Money. It's the
Speaker 1: podcast for millennials who want financial freedom.
Speaker 2: I'm traveling for.
Speaker 3: Everybody else to. Oh, it is just a really catchy tagline.
Speaker 1: Well, you've written the mate. Remember whatever you write on
Speaker 1: the teleprompter. Trav Roebuck will say, I am travel.
Speaker 3: Is really pretty.
Speaker 2: Yeah, why don't you say that, Trav Mitch Churry is
Speaker 2: really pretty? She put a mark on the end of it.
Speaker 2: I don't say I.
Speaker 4: Wouldn't say I'm pretty, would you, Victoria? I had more
Speaker 4: say I think you're handsome's handsome stuff?
Speaker 3: Thank you pretty though, Like you have nice hair, like
Speaker 3: you know how some people they're like, oh, they're just
Speaker 3: like rugged handsome, like like you've got soft hair, like
Speaker 3: you clearly care about it.
Speaker 4: Yeah, you know how some people sweat and it's hot
Speaker 4: when I sweat. It's discussing.
Speaker 3: We don't have to listen.
Speaker 2: You've got a lovely glow about you.
Speaker 3: Victoria, exactly make me so nervous. Let's move on.
Speaker 1: You know, if we were in a relationship, we probably
Speaker 1: wouldn't need to start talking about it wouldn't be though.
Speaker 1: I know, but how much money I'm trying to do?
Speaker 1: What we call.
Speaker 2: Yeah, that sounds good.
Speaker 4: Guys would be ale.
Speaker 1: When do we start talking about how much money we
Speaker 1: have and what we want.
Speaker 2: To do with it? If we're a thrupple, I don't know.
Speaker 4: That's tough.
Speaker 3: That's Mitch's job. Your job is to make me cups
Speaker 3: of tea and bring me my wheat pack. And Mitch,
Speaker 3: what's my job? I order the Uber eats.
Speaker 4: Yes, I'm not even joking.
Speaker 3: Guy.
Speaker 4: I wasn't going to say anything, but just as as
Speaker 4: we were recording, I might ordered. I ordered gozlame.
Speaker 3: Oh, some cheeky morning Mexican.
Speaker 1: And exception has an exception that is so damned selfish
Speaker 1: of you, mate, because the studio is not going to
Speaker 1: be inhabitable Mate in a couple of hours thanks to you.
Speaker 3: You're kind of food, Mitch.
Speaker 4: Why is that? Why is it not inhabitable?
Speaker 2: Mexican?
Speaker 1: And Mitch, cherry does not equal pleasant smell.
Speaker 3: And also just low key. Do you remember Trev being
Speaker 3: asked if you'd like some Mexican? I don't remember being offered.
Speaker 1: That silence was me trying to remember and know the
Speaker 1: answer is Mexic.
Speaker 4: Check your phones. I text you while I was in
Speaker 4: the bathroom.
Speaker 3: Let's still about this radio show. How did it go
Speaker 3: this week?
Speaker 4: I thought it was a great show. We did more
Speaker 4: marketplace fines? What deal did you get? A marketplace all
Speaker 4: stem from the fact that I'm a marketplace genius and
Speaker 4: we got an interesting one to have Richard called through
Speaker 4: and he got a deal which I actually think we
Speaker 4: should have.
Speaker 3: Never honestly, I want to fact check that. Rich Sorry,
Speaker 3: if you're listening, how does anybody spend eight thousand dollars
Speaker 3: on one reclined I'm going.
Speaker 4: To google it time?
Speaker 3: Do you wake it?
Speaker 2: No?
Speaker 3: Maybe it's like designer from like King Living or something.
Speaker 4: And he claims what did he claim? He got four
Speaker 4: thousand dollars chairs? Two of them?
Speaker 3: Two of them?
Speaker 4: No?
Speaker 3: When they eight grandeep?
Speaker 1: No?
Speaker 3: No?
Speaker 1: No, two for eight grand and he pays eight hundred
Speaker 1: dollars for them.
Speaker 4: Hold on a lazy boy online. I've just checked it
Speaker 4: can go for two nine nine.
Speaker 2: And what about the chair version? Mitch, you're just looking
Speaker 2: feet Well.
Speaker 3: We're renovating at the moment, and it's making me really
Speaker 3: requestion the furniture that's in my house.
Speaker 2: What does the ghost think about your house?
Speaker 5: Oh?
Speaker 3: Look, I don't know the ghost. You know how she's
Speaker 3: turning off and on the kitchen lights at the moment.
Speaker 4: She how do you know it's a she?
Speaker 3: Oh, this makes me sound crazy because I heard her voice.
Speaker 3: I'm convinced she talks to me. What But it's okay,
Speaker 3: it's all right. But it's making me requestion all of
Speaker 3: my furniture in my house right because the furniture in
Speaker 3: my house is like from when I was at Uni.
Speaker 3: I just haven't updated it. Like I have these chairs
Speaker 3: that I actually did buy on Facebook market Place, no
Speaker 3: gum Tree. Sorry, well the one gum Tree ages ago,
Speaker 3: and I think it was like six of them for
Speaker 3: like one hundred dollars or something. They were getting rid
Speaker 3: of them. They weren't good to begin with and now
Speaker 3: they're like real terrible. But I'm looking at buying new ones.
Speaker 3: What do you mean eight hundred dollars a chair for
Speaker 3: something that's reasonably looking? Like, I just don't understand why
Speaker 3: things are so expensive.
Speaker 1: And you're worried now that the ghost is going to
Speaker 1: judge your furniture. But the good thing is she's turning
Speaker 1: off your life.
Speaker 3: No, I'm worried that I'm going to build a new
Speaker 3: kitchen and then have ugly furniture in the house.
Speaker 2: Honestly, that's all right.
Speaker 1: Well, you know what, we are going to save you
Speaker 1: some cash so you can put towards some beautiful furniture
Speaker 1: for your brand new house.
Speaker 2: Your tips are amazing.
Speaker 3: I'm working on a Saturday.
Speaker 1: Yeah, let's get straight into the radio show to find
Speaker 1: out exactly how you can do it. It's She's on the
Speaker 1: Money radio show right now.
Speaker 4: Enjoy it radio. She's on the Money Radio show with
Speaker 4: Victoria Divine.
Speaker 1: Starts see Saturday morning right across the country. She's on
Speaker 1: the Money Radio Show with Australia's number one finance podcaster
Speaker 1: Victoria Divine and Mixtury as well.
Speaker 2: Guys, we are.
Speaker 1: Doing all thanks to Budget Direct, winner of Can Stars
Speaker 1: Insurer of the Year Award twenty twenty two. Budget Direct
Speaker 1: Insurance sold.
Speaker 2: See it's a good tagline.
Speaker 4: It's a great tagline, like.
Speaker 3: A mystery tagline like crime podcasting. Really in so like
Speaker 3: maybe they're playing off on that. Have you seen their ads?
Speaker 3: They're like little detective dude.
Speaker 4: Oh my god. That ads are like a little little
Speaker 4: movie really would cut.
Speaker 3: That's why we're working with them.
Speaker 4: We love your Budget Direct.
Speaker 1: Now, speaking of TV, obviously, you're a huge Kimmy Kay
Speaker 1: and Pete Davison fan, Victoria, But.
Speaker 3: What about me made that obvious?
Speaker 1: Well, the fact that you always watch every reality show
Speaker 1: under the sun as we and I only ever.
Speaker 3: Wear skims and easy.
Speaker 4: Well, that Chanel bag that you've got next to you,
Speaker 4: that's very Kardashi down, sir.
Speaker 3: We are trying to be relatable. That was a splurch
Speaker 3: that I still feel good.
Speaker 4: It was self moment and you've deserved it.
Speaker 1: But I'm thinking, okay, because obviously Kim kardashially and got
Speaker 1: a heap of money. Pete Davidson got his own money
Speaker 1: as well. But when did Is that perfect time? And
Speaker 1: how do you start bringing up money with a brand
Speaker 1: new partner?
Speaker 3: Is Kim k really the one that we have this
Speaker 3: conversation about, Like that is so unrelatable?
Speaker 4: She's a billionaire, do you reckon?
Speaker 3: They get to check out at like the supermarket on
Speaker 3: a Thursday evening, They're like, oh, we'll cook this for
Speaker 3: dinner when we get home, and then they like argue
Speaker 3: with their cards like every other mormal.
Speaker 4: Oh it's a kind sorry, it's fine.
Speaker 2: Billions.
Speaker 3: On the other line, I didn't transfer any cash over
Speaker 3: Oh no, sorry, but that's different, right, Their level of
Speaker 3: wealth is so significantly different. But it is kind of
Speaker 3: awkward talking about money if you're in a couple or
Speaker 3: you're like dating somebody new, because you can't just put
Speaker 3: your hand up and be like, what do you earn?
Speaker 3: That's weird.
Speaker 4: Could you do it on the first date?
Speaker 2: Nah?
Speaker 4: Now you could. I would do it on the first date.
Speaker 3: Would you go? How would you ask pitch?
Speaker 4: It's a if you were making a good amount of money,
Speaker 4: you would, But if you weren't making good money, you
Speaker 4: wouldn't bring it up. That's the difference.
Speaker 3: Yeah, But like, I just want to know what your
Speaker 3: money story is and how it works, and I guess
Speaker 3: that's what we'll get into today, right.
Speaker 1: Yeah, And what kind of questions shouldn't you ask your
Speaker 1: new partner?
Speaker 3: Look, obviously I am, she's on the money and I
Speaker 3: talk about this all the time. And I used to
Speaker 3: be so awkward about money. Like when I met my partner,
Speaker 3: I was in some pretty significant credit card debt and
Speaker 3: personal debt because I was basically a genius. So it
Speaker 3: got really awkward talking about money. But I think that
Speaker 3: when you talk about it, we actually need to remove
Speaker 3: ourselves from the here and now of what you earn
Speaker 3: and what you're spending and actually just talk about like
Speaker 3: money stories, which sounds a little bit fluffy, but I
Speaker 3: promise it leans harder into fully understand what's going on. Right, Like,
Speaker 3: think about your mate who's always that stinge, Like you
Speaker 3: know that guy, Yeah, but you go to dumplings and
Speaker 3: they're like, well, actually I ate one less dumplings, so
Speaker 3: iow fourteen dollars forty and else. Yeah, okay, well poor Steve. Anyway,
Speaker 3: that guy, let's like reframe it for a hot second
Speaker 3: and go, well, maybe he's actually just frugal with money
Speaker 3: because he grew up and he didn't have a lot
Speaker 3: of it, and money makes him really anxious, and he's
Speaker 3: actually just trying to, you know, deal with his own
Speaker 3: anxieties around money. That then makes you feel a bit
Speaker 3: of a mean person, Thank you, mate.
Speaker 2: So I think it's about sorry, Steve.
Speaker 3: I think it's about understanding where you've come from, and like,
Speaker 3: did you grow up talking about money, like not necessarily
Speaker 3: asking what they earn or how much they should spend
Speaker 3: on things, but rather hey, how did you speak about
Speaker 3: money growing up? Well, if we're in a relationship, like
Speaker 3: should we be fifty to fifty or should we be
Speaker 3: splitting expenses based on what we earn? Like Trav obviously
Speaker 3: earned so much more than I Joe. Yeah, so should
Speaker 3: he be paying more of the bills? If we're in
Speaker 3: a quote equitable relationship? And then we could try a
Speaker 3: real big debate about equity versus equality in a relationship.
Speaker 4: Yes, Itch Trap buys me a coffee before the show
Speaker 4: every Saturday morning, So I don't know what's going on
Speaker 4: with you, Victoria.
Speaker 1: But no, But I think no matter what it is,
Speaker 1: the most important thing that a lot of people don't
Speaker 1: think about when they get into a relationship is just
Speaker 1: being on the same page.
Speaker 2: That's all it is.
Speaker 4: Yeah, I just.
Speaker 3: Want to open honest conversation, Like you don't need to
Speaker 3: dive into the first date and be like, all right,
Speaker 3: well who's paying for this and that and how does
Speaker 3: it all work? But I think that money can actually
Speaker 3: be really empowering, Like at the end of the day,
Speaker 3: flip it, think about your partner, like you have no
Speaker 3: idea what your new partner's financial circumstances are, and by
Speaker 3: just talking about it kind of takes the pressure off.
Speaker 3: If we're going on dates, like do they always have
Speaker 3: to be fancy or do you really like dates where
Speaker 3: we described pizza and eat it on the couch watching
Speaker 3: movies like oh yeah yeah, so easy to lean into
Speaker 3: trying to impress your new flame really early, and like
Speaker 3: they might not even like that.
Speaker 1: They might like spending their time on Facebook Marketplace either selling,
Speaker 1: oh yeah, or buying And you're talking my language.
Speaker 3: Yeah that's where you met your partner.
Speaker 1: I was hoping you weren't going to say that you
Speaker 1: bought your partner of Facebook Tinder guys, are you on
Speaker 1: fast book?
Speaker 2: What do you need? Second friends?
Speaker 5: All right?
Speaker 2: On thirteen one six y five.
Speaker 1: We want to know what did you score on Facebook
Speaker 1: Marketplace and how much did you save?
Speaker 2: Mitch, what do you reckon? The best thing you've scored is.
Speaker 4: Many a thing. I'll tell you what. If I could
Speaker 4: order food on Facebook Marketplace and I could all get
Speaker 4: petrol on Facebook Marketplace, I would never be off Facebook Marketplace.
Speaker 4: But recently I bought a milkroffer. I was actually telling you, Victoria,
Speaker 4: I think we're talking about, like, oh, what what's the
Speaker 4: best milk froffit again? On the Smeg.
Speaker 3: Meg milk crother and I really like it. But the
Speaker 3: real question here is why is Mitch Jury trying to
Speaker 3: buy a milk frofer that he can quite clearly afford. Instead,
Speaker 3: you want someone's dank second to hand one with dry
Speaker 3: brown milk in the place it.
Speaker 4: It's character happened, It's not it's this is not character.
Speaker 4: It's dried congealed milk in the corner. And I said,
Speaker 4: is this hused? Because I had to zoom in and
Speaker 4: see that you barely barely.
Speaker 3: No, you can clean that like mine is pristine. Just
Speaker 3: so you know if you come over, you can borrow it,
Speaker 3: give it.
Speaker 4: A little trial next, think you.
Speaker 3: But like for a dude who spent seventeen thousand dollars
Speaker 3: last year three every show we do, it's all I've got.
Speaker 3: We could also bring up the fact that you were
Speaker 3: the cash coock one time, which wow.
Speaker 4: Yeah, Okayjo're gonna start talk about your poo habits again.
Speaker 1: No, no, no, because we need to ask people on
Speaker 1: thirteen one, six five, what have you scored on Facebook Marketplace?
Speaker 1: And how much have you saved? Richard's called us mate,
Speaker 1: what did you score?
Speaker 5: Well? I scored two Recliner cheers and saved myself a fortune, all.
Speaker 2: Right, Joey And what's a recliner?
Speaker 3: Yeah? They say, well, actually, I'm a therapist, so I
Speaker 3: use it to counsel people so they kind of go
Speaker 3: back and think about their mother.
Speaker 4: Or something like that as well.
Speaker 3: Off, did you get an invoice like are you going
Speaker 3: to claim it on tax as well?
Speaker 4: Yeah, got an invoice that's also text seductible. How much
Speaker 4: did you pay these two chairs? Richard?
Speaker 3: So they were eight hundred dollars and they were as new,
Speaker 3: and they would have been eight thousand dollars.
Speaker 2: What ingrad for a chair? Wow?
Speaker 3: Oh you know what I've seen that My nana is
Speaker 3: totally into those. Lazy boy what about the chairs? Absolutely raw? Yeah?
Speaker 1: Well yeah, all right, take it to your calls. Thirday
Speaker 1: one A six five? What's the best bargain you've scored
Speaker 1: on Facebook? Marketplace? Now? Z, you're a seller? What are
Speaker 1: you selling?
Speaker 2: So?
Speaker 5: I sold a mobile phone on Marketplace?
Speaker 4: Yeah?
Speaker 3: Was it the iPhone six last week?
Speaker 5: It was an iPhone eleven? And I made a profit
Speaker 5: on it because I sold it for more than what
Speaker 5: my payout was when I upgraded.
Speaker 3: Oh yes, how did you work out the payout though?
Speaker 5: Like?
Speaker 3: Did you just calculate it and then chuck it on
Speaker 3: Facebook Marketplace for more.
Speaker 5: No, so I already had to pay my phone out
Speaker 5: so I could upgrade, And then I had this spare
Speaker 5: phone that I wasn't doing anything with, so I chucked
Speaker 5: it on Marketplace for what it was worth in the
Speaker 5: market at the time. And that was You know, you didn't.
Speaker 3: Even stooge anyone. You are an angel, my friend. Is
Speaker 3: it annoying? Fielding so many questions from people like, oh,
Speaker 3: is it an iPhone? Can I have another photo of
Speaker 3: your iPhone? Because I feel like that's what they do.
Speaker 5: I got to ask the things like can you send
Speaker 5: me photos of what your battery health is? And does
Speaker 5: the speaker on the phone work? And just really and
Speaker 5: I had some scammers try and say I'm sending it
Speaker 5: to my son that studying abroad.
Speaker 4: Of course they.
Speaker 3: Did you learn how to use the block button real quick?
Speaker 3: Because I would have Oh.
Speaker 4: Yeah, did you block a user by the name of
Speaker 4: Mitch Cherry by any chance? Because I feel like I
Speaker 4: probably would.
Speaker 2: Have had also Hitch Murray as well.
Speaker 4: Okay, thanks for the call. We got to end. Now
Speaker 4: we're over to great to chat chat.
Speaker 2: Hey, that was actually really fun.
Speaker 3: Let's do more of that because I actually want to
Speaker 3: hear more about people's blunders on Facebook marketplace. I also
Speaker 3: really would like it if you guys blow up our
Speaker 3: inbox with screenshots of terrible conversation you've had with people.
Speaker 4: Yes, yes, perfect, and you say.
Speaker 3: Yes and then they say thank you sir, like I
Speaker 3: just want all of that.
Speaker 4: Or Victoria. They could go, I've got this side and
Speaker 4: I want to sell, but I don't have any experience. Mitch,
Speaker 4: can you help me sid for maximum price? Yeah, and
Speaker 4: I'll only take a fifty percent cut.
Speaker 3: That's that is such a good win.
Speaker 2: This is She's on the Money radio show. Guys, it
Speaker 2: is time to do this.
Speaker 4: Oh my god. The caller that we just had, we
Speaker 4: should have asked if we could borrow I think it
Speaker 4: was Richard his therapy chairs. Because this is kind of
Speaker 4: like a little bit of therapy on the show.
Speaker 3: We should get therapy chairs.
Speaker 2: And get the microphones hanging down. So we do it
Speaker 2: hanging down.
Speaker 3: Bean bags, but they make too much noise, I'd.
Speaker 4: Probably Yeah, not good for a radio show anyway.
Speaker 3: Really get out of them.
Speaker 4: Yeah. I've just spent the night in a bean bag
Speaker 4: one night because I couldn't get out. I just had
Speaker 4: to commit to it.
Speaker 2: It's Finney.
Speaker 1: You know, we all have our problems, just like Sophie,
Speaker 1: who sent us a message Mitch.
Speaker 4: Yeah, Sophie hit us up on this. She's on the
Speaker 4: money Instagram and she needed advice from Victoria. So she's asked.
Speaker 4: My dad passed away six months ago, and I've just
Speaker 4: recently discovered that he's left me a much bigger inheritance
Speaker 4: than i'd expected. How good? That's good? All up? It's
Speaker 4: almost a million dollars. A bit nervous about what to
Speaker 4: do with it rightly? So there are always new stories
Speaker 4: of people getting a massive sum of money and wasting
Speaker 4: and I really want to be wise with this inheritance.
Speaker 4: What do I need to do?
Speaker 2: Victoria?
Speaker 4: Hell lash?
Speaker 3: Do you know how common it is to actually blow
Speaker 3: all that cash when you get an inheritance on what though,
Speaker 3: on what life like? It just adds up so quickly.
Speaker 3: Like imagine me if I turned around and said he's
Speaker 3: a million barks, you'd be like, sweet, I'm going to
Speaker 3: buy myself a house. I'm going to buy any yah,
Speaker 3: I'm going to take my friends overseas. Like there's so
Speaker 3: many things that easily easily get over a million dollars,
Speaker 3: even though that sounds like an incomprehensible amount of money.
Speaker 3: And I say that because, as you guys know, more
Speaker 3: legit financial advisor like legit as you say, I mean
Speaker 3: you can actually you can look me up on the
Speaker 3: financial advisor register and they'll tell you I'm legit. But
Speaker 3: that's actually what I specialize in. So I do a
Speaker 3: lot of lump some investment and inheritance advice. And the
Speaker 3: number one thing I would say is sit on it,
Speaker 3: don't make any decision, don't make any purchase.
Speaker 4: Just wait, put it high insurance.
Speaker 3: What are you talking about? High insurance?
Speaker 4: High interest, babe, And that's why you're the money expert.
Speaker 3: Insurance always recommended. But I would absolutely be sitting on
Speaker 3: it and taking a really big deep breath and going,
Speaker 3: what do I actually want to achieve? Because so many
Speaker 3: of us would just see this as big flashing lights
Speaker 3: and go, oh my gosh, I can afford to buy
Speaker 3: a house outright, money win. You no longer have a mortgage,
Speaker 3: But do you know what you have to do? You
Speaker 3: still have to go to work each and every single
Speaker 3: day to put table and pay the bills and do
Speaker 3: all of those things you have whilst alleviating the fact
Speaker 3: that you now don't have to pay rent or a mortgage,
Speaker 3: you still have to have money coming in. So we
Speaker 3: need to be looking at alternative investments. Because if we
Speaker 3: flipped this right and said, all right, instead of buying
Speaker 3: a property with your million bucks, we are going to
Speaker 3: invest that really safely, really securely, at an average rate
Speaker 3: of return of about seven and a half percent, which
Speaker 3: is pretty conservative. Right, Yeah, thirty years from now, you're
Speaker 3: going to have nearly ten million dollars. Oh Jesus, with
Speaker 3: that ten million dollars, do you know what we could do.
Speaker 3: We could pay off a mortgage, We could pay our
Speaker 3: rent forever and never be constrained financially. Whereas if we
Speaker 3: make short term decisions like going and buying a house
Speaker 3: outright cause we're like, oh, we don't want to pay interest,
Speaker 3: we don't want to pay that mortgage you go, is
Speaker 3: that actually putting you in the best possible position. So
Speaker 3: we need to look at what that looks like holistically,
Speaker 3: at the same time as being back to Victoria divine
Speaker 3: fluffy mode, being really respectful of that money, Like your
Speaker 3: dad he wants to be here, you want him to
Speaker 3: be here. We would easily trade a million bucks to
Speaker 3: get your dad back in a heartbeat. But this is
Speaker 3: the next best thing, right, how do we honor that
Speaker 3: and create the life that you deserve to live to
Speaker 3: make sure he's still I guess living via legacy through you,
Speaker 3: and I think that that's where we really need to
Speaker 3: think about it. And it goes back to the advice
Speaker 3: of just sit on it, don't make any rush decisions,
Speaker 3: make a decision that works for you.
Speaker 4: Welcome to the Church of Victoria, Divine Preacher, Baby. That
Speaker 4: was good advice. Is their food and oh.
Speaker 3: Yeah, absolutely, but like bigger cups, bigger I.
Speaker 1: Mean I was in until you said you were going
Speaker 1: to see But for those of us who haven't inherited
Speaker 1: a million bucks, how about we do Super Savior Saturday
Speaker 1: with Victoria. You can give us some sneaky tips on
Speaker 1: how to keep more bucks in our bank account.
Speaker 3: We can. It's tax edition and of financial year, so
Speaker 3: last week because I had too many tax tips, so
Speaker 3: hopefully I can get at least three out this day.
Speaker 2: This is She's on the Money radio show. Guys.
Speaker 1: It's our favorite time of the week because it's time
Speaker 1: for this Saturday tax edition.
Speaker 4: Your first everyone saying happy are your first everybody the
Speaker 4: end of financial year for the rest of June is well,
Speaker 4: she's on the Money radio show about right, we're going
Speaker 4: to be giving you tax tips to help you save
Speaker 4: some money ahead of the end of finance You last year,
Speaker 4: Trav and I got the cobweb started to grow Victoria
Speaker 4: when on a rant. So many tips, let's make them
Speaker 4: fun tips, be nice.
Speaker 3: All my tips are fun.
Speaker 4: You're right, You're right, and give us your tips. Stump
Speaker 4: me to tip number one. All right.
Speaker 3: Tax tip number one for this week is absolutely the
Speaker 3: episome of twenty twenty one twenty twenty two financial year,
Speaker 3: and that is the government announced in February that COVID
Speaker 3: nineteen testing expenses are now tax deductible for tests that
Speaker 3: are required for you to go to work.
Speaker 4: Good like rats, yeah, rats, rats a tip I can
Speaker 4: get around Victoria.
Speaker 3: Exactly and the next obviously very twenty twenty one cost
Speaker 3: edition tax tips home and office expenses. So if you're
Speaker 3: working from home, which is ninety nine point ninety five
Speaker 3: percent of us, you can actually claim some of the
Speaker 3: office expenses that you incurred, like internet and your electricity
Speaker 3: and the heating because like through winter, and we're all
Speaker 3: in iso at home trying to keep warm. At least
Speaker 3: you're going to get some of that back.
Speaker 2: You'd so be an uti kind of girl with the
Speaker 2: heater craked up.
Speaker 3: I'm not alady kind of goal. Do you know what
Speaker 3: type of galley am though? The electric throw blanket?
Speaker 4: Oh yeah, get it, and I love it.
Speaker 3: I don't want to have to redo my heat. Weat
Speaker 3: packing the microwave for three minutes every hour.
Speaker 2: Let's be honest. Steve does that your partner?
Speaker 3: Yeah, chop, chop back to it. The other one is
Speaker 3: work clothing, So if you've had to buy repair, higher purchase,
Speaker 3: foot beare, whatever it is for your job that is
Speaker 3: related to your uniform, you could very well claim that.
Speaker 3: And then also just being a little bit selfless. Is
Speaker 3: it selfless when you claim your charitable donations?
Speaker 1: Yeah?
Speaker 2: Facts, that's a dog act.
Speaker 3: Yeah, I mean you can do it anything about two dollars.
Speaker 3: You can actually pop on your tax return and get
Speaker 3: a cheeky little cash back. But I'm like, what kind
Speaker 3: of person gives money away to then claim it on
Speaker 3: tax now?
Speaker 4: Because the money all still goes to the charity. The
Speaker 4: charity don't give any of it back, it's just the government.
Speaker 3: That's okay, we will take the government's money. Then. Also,
Speaker 3: day everything that just showing everybody that I'm like, not
Speaker 3: rich rich, because if you're rich, Riach, you do make
Speaker 3: taxable deductions and like donation in line with tax and
Speaker 3: I'm like, I'm not there yet. I made like five
Speaker 3: dollars to the Salvos.
Speaker 1: I don't know about you, Mitch, but I thought it
Speaker 1: was going to be super boring tax stuff.
Speaker 2: But this is stuff I would actually use.
Speaker 3: Can you please let me get back into it though. Also,
Speaker 3: if you're a landlord and you do like home improvements
Speaker 3: and stuff, do you know what is categorized according to
Speaker 3: the ATO as a home improvement? Yeah, putting a gnome
Speaker 3: in the front garden.
Speaker 2: Nome way, you are joking me.
Speaker 4: We need to start selling She's on the money names
Speaker 4: on the website nomes.
Speaker 3: Let everybody know that you have like your little emergency
Speaker 3: fund set up and that you don't send as much
Speaker 3: as Mitchea the porcelain faces.
Speaker 1: I only going to be doing it. Available on Facebook
Speaker 1: market Play. Yes, Hey, we got to get out of here.
Speaker 1: We'll catch you next week. Until then, you can catch
Speaker 1: up with us anytime. On socials. Just search she's on
Speaker 1: the money.