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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 2: Hello, and welcome to She's on the Money the podcast

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Speaker 2: Millennials who want financial freedom. Today, my friends, it's no

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Speaker 2: surprise it is Friday again, which means it is time

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Speaker 2: to get my little team together and celebrate you our

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Speaker 2: incredible She's on the Money community today. Miss just gotta

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Speaker 2: each sheet. You've got a few money wins to share,

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Speaker 2: which you're a bit excited about. Beck has some very

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Speaker 2: good broke tips and I have an addition to the

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Speaker 2: broke tips which Beck saw me in the hallway earlier

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Speaker 2: because we started recording and she said, that's a broke

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Speaker 2: tip for the show, and I said, let's do it,

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Speaker 2: no worries. We're going to be helping answer a money dilemma,

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Speaker 2: which this week is all about buying your first home

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Speaker 2: and whether it should be a home for your future

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Speaker 2: or one for your current situation, which I think is

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Speaker 2: really good to discuss. That's a good question.

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Speaker 4: Oh, he's a good question.

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Speaker 2: I think it's going to be good. And then we're

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Speaker 2: going to be unpacking something that you slid into our

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Speaker 2: DMS about this week, we're talking about a partner who

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Speaker 2: lies about his finances. I love when they're really juicy live.

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Speaker 2: Is that bad that I'm literally here for the drummer?

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Speaker 4: No, I think we all are to some extent.

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Speaker 2: My favorite thing about like, I don't love like gossip.

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Speaker 2: I don't like celebrity gossip. I don't particularly care for it.

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Speaker 2: You know what I love anonymous gossip. Did you hear

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Speaker 2: that one person's boyfriend one time lied about ea swinances

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Speaker 2: tell me, yeah, we just want the tea. Like I'm

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Speaker 2: here for the gossip. But like anonymous gossip is fine,

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Speaker 2: Like I feel like that's that's kosher, you.

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Speaker 5: Know, totally weird it's not weird, but you know then

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Speaker 5: that's good of you. I like every bit of gossip anywhere, anytime.

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Speaker 2: I just don't want to know stuff about people. I

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Speaker 2: know that's awkward.

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Speaker 4: Oh that's better my book, but.

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Speaker 2: I just want it to be completely anonymous, Like slide

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Speaker 2: into my dms, tell me about your cheating partner that

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Speaker 2: happened five years ago. And I can't determine who it

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Speaker 2: was or where it was, sure, but I want the

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Speaker 2: juicy goss, you know.

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Speaker 4: Yeah, I like that.

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Speaker 2: It's like reading Reddit threads, like I don't know you,

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Speaker 2: but I live vicariously through you. Yes, Like I don't

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Speaker 2: want any drama in my life, but I want you

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Speaker 2: to have drama so I can read it. That's terrible

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Speaker 2: of me. Anyway, Let's move on. I want to know

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Speaker 2: how have your weeks been, Miss jesse garci H. It's

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Speaker 2: been good.

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Speaker 6: It's been Christmas week in our house. I've been decorating,

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Speaker 6: loving my lind Or. It's November and somebody who replied

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Speaker 6: to what to buy tiktoks and said, bitch, it's November,

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Speaker 6: and I was like, did I stutter? Halloween's done? That

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Speaker 6: means it's officially Christmas exactly exactly.

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Speaker 2: I stutter.

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Speaker 4: I love this version of you.

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Speaker 2: I like the SaaS. I appreciate it. I went Pottery

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Speaker 2: Bun on the weekend because Jess, what's at pottery Bun

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Speaker 2: gingerbread mugs and also gingerbread men and women shaped cushions,

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Speaker 2: and so I bought obviously all of the above course,

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Speaker 2: and I was talking to the girl at checkout and

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Speaker 2: I was like, ha ha haa so early, like I'm

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Speaker 2: buying this in November. I can't believe it. And she

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Speaker 2: was like, oh, this is actually our second drop of

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Speaker 2: Christmas stark, and we've nearly sold out, like I got

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Speaker 2: I think there were four maybe cushions left, and I

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Speaker 2: bought two of them, and she's like, we're not getting

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Speaker 2: any more. So she's like, I think it's fair to

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Speaker 2: say that Christmas is now officially starting in November, and

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Speaker 2: I said she didn't know who this was. I was like, oh,

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Speaker 2: Jess is gonna love this, and she was like, yeah, cool,

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Speaker 2: stud total comes to you. That's really good. How's your

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Speaker 2: week being back?

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Speaker 5: Really really chill nice. The weather's been kind of lovely,

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Speaker 5: not like every day of the week, but I would

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Speaker 5: say if it's more than fifty percent lovely.

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Speaker 4: It's a good week.

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Speaker 6: Classic Melbourne.

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Speaker 5: Hey, classic Melbourne. Yeah, I'm just just my buckets are full,

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Speaker 5: you know. I've been seeing people and going out and

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Speaker 5: sometimes going to the gym and just yeah, just overall,

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Speaker 5: really really nice week.

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Speaker 2: Just live in your best life.

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Speaker 4: Yeah, live in my best What about you? I like it?

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Speaker 2: Nothing too interesting, just being pregnant. Really, I feel like

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Speaker 2: I've now gotten to that stage where I am, what

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Speaker 2: twenty five ish weeks pregnant now, and I just feel

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Speaker 2: like everything's a little bit harder, everything's a little bit

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Speaker 2: more sluggish. I definitely have less lung capacity. I always

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Speaker 2: used to be like, I'm gonna be one of those

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Speaker 2: fit pregnant women you are. I haven't been to pilates

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Speaker 2: once since since getting pregnant.

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Speaker 6: Okay, I have seen you power walk through the airport,

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Speaker 6: and as a non pregnant person.

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Speaker 2: I struggled to keep up going For me, and you

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Speaker 2: know what, like the only flex I have, and this

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Speaker 2: will come up in our broke Tips is I'm still

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Speaker 2: wearing the jeans that I was wearing pre pregnancy. But

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Speaker 2: also like it just makes me feel a little bit

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Speaker 2: better about myself. So this morning I popped on my

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Speaker 2: jeans and I was like, life's not that bad. Like

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Speaker 2: I might feel a bit roly poly, but if I

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Speaker 2: can fit in these, I'm doing a right.

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Speaker 5: It's not too bad, not too bad, And that is

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Speaker 5: we'll get to why that's the funniest thing personally I've

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Speaker 5: ever heard, because it was really funny.

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Speaker 4: It takes for you to fit into those jeans now.

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Speaker 2: And so I'm some ninja stuff, some ninja stuff, But

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Speaker 2: let's jump into money wins and confessions. This week. There

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Speaker 2: has been some really fun money wins in our community.

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Speaker 2: I've again been in the messages before Jess could get

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Speaker 2: to them to round up her favorites. But Jess, I

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Speaker 2: want to know what have you singled out to share

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Speaker 2: on the pod this week.

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Speaker 6: My first money in this week comes from Holly, who

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Speaker 6: said I finally faced my demons aka the incredibly lovely

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Speaker 6: gym staff and went to cancel my membership. Oh that's scary,

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Speaker 6: and then I bought a season ticket for the pool.

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Speaker 6: It's so much cheaper than the gym, even when I

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Speaker 6: look at the you know, with the weekly monthly breakdown,

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Speaker 6: and I love swimming so much more so it's definitely

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Speaker 6: going to be worth it for me. I've already been

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Speaker 6: swimming two days in a row. Money win, mental health win,

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Speaker 6: and happiness win.

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Speaker 2: That's actually really cute, too, really sweet.

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Speaker 6: It made me think of the time that you made

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Speaker 6: me call your gym to cancel because you were too scared.

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Speaker 2: I just don't tell the entire world that I did that.

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Speaker 1: But I.

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Speaker 2: Don't know why.

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Speaker 4: Don't blame you.

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Speaker 2: It is scared every time I letting them down.

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Speaker 5: Yeah, it's like, hey, I'm never going to go to

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Speaker 5: the gym ever again, so can I please cancel this.

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Speaker 4: It's like a bit of a.

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Speaker 2: I couldn't do it, and then Jest did it, and

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Speaker 2: then it was a bit awkward because then the girl

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Speaker 2: was like, oh, you don't sound like Victoria's. I was like,

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Speaker 2: of course she's on the money list. Now this is

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Speaker 2: so awkward. Anyway, hilarious. It all came out in the

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Speaker 2: wash that it was actually just canceling.

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Speaker 4: She didn't know before, she will know now absolutely, Jim, Bye, What.

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Speaker 2: Else have you got for us?

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Speaker 6: Jess? Next, I've got to win from Mahalia who said

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Speaker 6: I needed to finish an entire house and my budget

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Speaker 6: was tiny. I huntred our marketplace all weekend, I did

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Speaker 6: some driving and I got two beds, two mattresses, a

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Speaker 6: washing machine, and a fridge for three hundred bucks, all

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Speaker 6: in great condition. Love marketplace.

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Speaker 2: Excuse me, that's genius.

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Speaker 6: That is very impressive.

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Speaker 2: That's very very cool.

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Speaker 6: This next one I have comes from a Leasha, and

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Speaker 6: I feel like it's very timely given I just paid

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Speaker 6: two dollars twenty for petrol, she said. I used the

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Speaker 6: seven eleven app to lock in the cheapest fuel price

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Speaker 6: for half a tank of fuel. It would have cost

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Speaker 6: me a little over one hundred bucks, but it ended

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Speaker 6: up being just over eighty instead.

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Speaker 4: Oh cool.

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Speaker 2: You know people have started sending me screenshots of their

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Speaker 2: seven to eleven lock and sat app and they're like,

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Speaker 2: saved seventeen dollars this week because of you, saved twenty

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Speaker 2: eight dollars. And I'm like, that's actually a lot of money.

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Speaker 6: Well, imagine every time you fill up your car, if

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Speaker 6: you say fifteen to twenty bucks, that's a lot over

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Speaker 6: the course of like a couple of months.

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Speaker 2: She's seven eleven. Well, I do have really good donuts,

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Speaker 2: you do really good slurpees, and you also save us

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Speaker 2: money on fuel coming the van.

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Speaker 6: I have another car Win. From Carla, who says, I'm

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Speaker 6: about to pay off my car loan two years ahead

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Speaker 6: of schedule.

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Speaker 2: Two right now, right now, right now.

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Speaker 6: Money loss, but a money win in terms of interest

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Speaker 6: saved and being able to refinance next year. Unfortunately it's

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Speaker 6: a necessity because I don't live anywhere with public transport

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Speaker 6: or accessibility. I'm paying it off after just four months

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Speaker 6: of aggressive saving and working hard.

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Speaker 4: Oh, this is incredible.

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Speaker 7: That is incredible.

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Speaker 2: Hi, Carla, if you'd like to come on the shelves

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Speaker 2: and money Darrist, we actually need to know how you

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Speaker 2: did that.

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Speaker 5: Thank you.

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Speaker 6: Crazy but loved it. She took a loan and she

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Speaker 6: was just like, I can do faster. I love that

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Speaker 6: and she did cool. What a genius I know. And

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Speaker 6: I have one more that I feel like a lot

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Speaker 6: of people really enjoy it. From our friend Shannon, who said,

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Speaker 6: I discovered Spotify includes audio books, so I'm going to

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Speaker 6: cancel my Audible subscription. I new Spotify instead.

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Speaker 2: Hundreds of thousands of books that you can listen to

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Speaker 2: for free. Like not for free, you have to have

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Speaker 2: the subscription. But I feel like these days most people

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Speaker 2: are paying for Spotify.

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Speaker 6: Yeah, I agree.

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Speaker 2: Through Spotify they're just included.

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Speaker 6: Ah and if you are happening to listen on your

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Speaker 6: Spotify app to and you'll give a recommendation of a book,

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Speaker 6: May I suggest three Beautiful pastor Colory Ones, Oh, She's

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Speaker 6: on the Money, Property with She's on the Money, and

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Speaker 6: investing with She's on the Money.

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Speaker 7: I Love.

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Speaker 2: They're all available through Spotify.

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Speaker 6: All available through Spotify, all narrated by our very own

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Speaker 6: VD I did that.

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Speaker 2: I did that?

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Speaker 6: You sure did that.

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Speaker 4: Is really cool? How long did that take you?

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Speaker 1: Oh?

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Speaker 2: Honestly weeks. It's actually crazy narrating a book because they

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Speaker 2: make you read it out and it's nothing like podcasting.

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Speaker 2: So I went in blindly. I was like, I'm gonna

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Speaker 2: be so good at this. I'm fine in front of

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Speaker 2: a microphone these days. Obviously that took training. However, it

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Speaker 2: is nothing like sitting in front of the podcasting mic

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Speaker 2: because if you mess up while you're saying a sentence,

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Speaker 2: they're like, oh, yep, could you just take that from

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Speaker 2: the top. You have to take it from the top.

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Speaker 2: And if you're reading your book and you like have

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Speaker 2: an intonation that, they're like, oh, you were meant to

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Speaker 2: say a instead of that, Like okay, no worries like

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Speaker 2: does it really matter? Yeah, it really matters. They make

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Speaker 2: her go back and do it again. And then sometimes

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Speaker 2: when you're reading your own book, you're like, why did

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Speaker 2: I say that? Yeah? That was stupid. I've got a

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Speaker 2: better example, like why didn't I put this? And it's

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Speaker 2: kind of it's like when you finally read out your

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Speaker 2: work aloud, Like I cannot tell you how many times

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Speaker 2: I have read my own books, just like fact checking

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Speaker 2: and proofreading, and my publisher has gone through it, and unfortunately,

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Speaker 2: poor Jessicricci has had to go through them so many

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Speaker 2: times because I'm like, can you just check? Like I

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Speaker 2: just I'm so anxious about these things, right, So the

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Speaker 2: entire team has gone through it. It comes out the

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Speaker 2: other side, we're like, amazing, manuscripts done dust, It go

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Speaker 2: into recording, and I'm like, this is the worst book

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Speaker 2: I've ever read, so bad.

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Speaker 6: But they got the money in for someone who's been

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Speaker 6: wunning even the new books on there, probably sharing the money.

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Speaker 4: That's three books. Yeah, that's true.

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Speaker 2: That technical, I mean technically incorrect, But like I have

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Speaker 2: a Spotify membership, I could get my own book for free,

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Speaker 2: may as well. I can learn so much all right,

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Speaker 2: let's move in, because that's a pretty good broke tip. Actually,

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Speaker 2: free books.

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Speaker 4: Is a good broke tip.

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Speaker 2: But what have you got to bring to the table

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Speaker 2: this week?

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Speaker 7: Beck?

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Speaker 2: Okay?

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Speaker 5: So as Per, I have two community tips and one

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Speaker 5: of my own. Start off with one from Bronnie, who says, Hi, Beck,

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Speaker 5: I've got a brog tip for the podcast. So cutting

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Speaker 5: the top off of delivery boxes so you can use

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Speaker 5: them as storage cubes. She's recently moved house and wanted

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Speaker 5: to buy little storage cubes of my Kia, but have

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Speaker 5: found that using boxes of their mail deliveries works just

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Speaker 5: as well to store little nick knacks and bathroom items,

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Speaker 5: et cetera.

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Speaker 2: So smart, it makes you feel so much more organized.

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Speaker 4: Yes, yes, I'm genuinely actually going to do this.

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Speaker 2: It's a pippy bit on boxes annoy me. So if

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Speaker 2: you're telling me just cut them off, cut them off

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Speaker 2: and now the box has another use.

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Speaker 5: And then when it comes to moving, if you move again,

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Speaker 5: I would go and like, go to buttings whatever, try

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Speaker 5: and buy or office works. You can buy those boxes.

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Speaker 5: You don't have to do that because you've got these

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Speaker 5: boxes here. I know they don't have tops anymore.

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Speaker 4: We can about it.

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Speaker 2: We don't need it. We just need something to transport

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Speaker 2: our stuff.

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Speaker 4: Yeah, we just need vessels.

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Speaker 2: That's very reduced reuse. Recycle.

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Speaker 4: I love I love it. Recycle.

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Speaker 2: What else have you got?

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Speaker 5: The next one comes from Debbie, who says that throughout

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Speaker 5: the year, this is kind of similar to what our

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Speaker 5: producer indeed in the family does as well. So she

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Speaker 5: tries to stock up on like you know, like let's

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Speaker 5: say you go to all Ways and the Rafaelo's or

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Speaker 5: the parro Shares like on special, just like buy like

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Speaker 5: chocolate boxes boxes of chocolates, like throughout the year when

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Speaker 5: they're on special. So end of year when it comes

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Speaker 5: to Christmas time and you're like, you've got to buy

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Speaker 5: like little things for I don't know, colleagues and.

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Speaker 2: The random present if forgot to pick up before going

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Speaker 2: to someone's house.

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Speaker 4: So exactly exactly, parents, et cetera.

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Speaker 5: You have all a little gift cupboard with boxes of chocolates,

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Speaker 5: maybe other little knickknacks if you have capacity, if you

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Speaker 5: want to, And then that way, when it comes to

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Speaker 5: Christmas time, you're not completely overloaded with the things that

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Speaker 5: seem small, but like ten doll boxes of chocolates for everyone.

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Speaker 4: You know, that's a lot of money.

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Speaker 2: Yeah, it adds up a lot. But also I love

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Speaker 2: that idea in theory. Fantastic money win. You put a

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Speaker 2: box of Rafaelo's in my house and tell me they're there.

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Speaker 2: You want them to stay there, don't tell me they're

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Speaker 2: they're true, like you just would at work.

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Speaker 4: That's true.

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Speaker 6: You never buy those chocolates for yourself, Like Ferrero's are

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Speaker 6: my favorite chocolate, but there's this mental block for me.

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Speaker 6: You get them as a gift. Oh my, I can't

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Speaker 6: go to clos and buy myself a box of Ferrero's

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Speaker 6: like someone's gonna give them tore for like Valentine's Day

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Speaker 6: or my birthday or whatever.

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Speaker 2: Yeah. No, you can't buy that chocolate for yourself.

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Speaker 4: I had never thought about that before.

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Speaker 5: Imagine you would never buy yourself like one of the

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Speaker 5: movies is like you get like the little even though

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Speaker 5: you don't really want them yet the m and ms.

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Speaker 5: You'd rather have packet of Ferrero share box of that,

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Speaker 5: but it costs the same.

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Speaker 4: Right, Yeah, like cosic roughly the same. You know, that's

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Speaker 4: so funny. I never thought about that before.

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Speaker 6: It's so true though, and so I feel like people

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Speaker 6: go oh, I feel like it's impersonal. No, I want

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Speaker 6: the box of choking Yeah, give me the chocolate always

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Speaker 6: on chocolates.

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Speaker 2: I want to do a thread in our Facebook group

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Speaker 2: of stuff you would never buy for yourself, so like

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Speaker 2: we're not talking about like obviously, I would never buy

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Speaker 2: myself an Ermez handbag because it's thirty thousand dollars. Like, no,

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Speaker 2: that's unrelatable, but like I'm the same as you, ess

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Speaker 2: I would never buy like fancy boxed chocolates for myself.

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Speaker 2: It is a gift. Yes, what else exists?

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Speaker 6: We need to know you hate spending money on that

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00:14:25,800 --> 00:14:27,880
Speaker 6: you would love, like an Uber gift card. No one

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Speaker 6: likes paying for ubers, but if you have a gift card,

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Speaker 6: he reads gift cards card.

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Speaker 2: Like, I know that.

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Speaker 6: I think it's a bit of a stigma or pressure

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Speaker 6: sometimes to be super creative and like as a gift giver,

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Speaker 6: like it's one of my love languages. Yes, I completely agree.

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Speaker 6: It is really fun and exciting finding the perfect present,

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Speaker 6: But sometimes you know what a basket with like some

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Speaker 6: Laudry detergent and some dishwasher tablets in this economy, in

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Speaker 6: this economy, thrilled.

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Speaker 4: That's true.

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Speaker 2: That's true. One of my go to housewarming gifts is

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Speaker 2: like a nice basket that can be used as like

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Speaker 2: a pot or something. And then I buy a fancy

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Speaker 2: dried pasta because like, you're not gonna buy the fancy

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Speaker 2: dry pasta yourself, are you? Yad? Like like I am

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Speaker 2: getting Cole's or Wooly's brand pasta. End of story. That's

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Speaker 2: how it's gonna work. So fancy dried pasta, and then

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Speaker 2: like a pre made pasta sauce, the fancy one that

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Speaker 2: you wouldn't buy, I buy the regular Etto brand two

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Speaker 2: dords fifty a jar. Don't think it's ever increased before.

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Speaker 2: It's always on the bottom shelf because no one buys it.

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Speaker 2: It's obviously not like the important one, but it works

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Speaker 2: for me. Ten out of ten will not buy anything else.

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Speaker 2: Don't put that in my basket, though, I'm buying when

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Speaker 2: you like the nine dollars jar of pasta sauce. And

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Speaker 2: then like a brick of like parmesan or something nice.

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Speaker 2: Great housewarming gift, but I just made you dinner, YEA

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Speaker 2: true genius?

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Speaker 7: Yeah?

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Speaker 4: I love that. What's your tip?

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Speaker 2: Okay?

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Speaker 5: So my broake tip for this week, and it is

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Speaker 5: something I completely forgot about until the other day because

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Speaker 5: obviously it is end of pay cycle, so you know.

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Speaker 2: You just got too much month left at the end

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Speaker 2: of your money.

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Speaker 4: Exactly, yeah, exactly.

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Speaker 5: So the other day I made dinner and I made

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Speaker 5: deb mashed potato.

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Speaker 4: So what this is?

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Speaker 6: Like?

384
00:16:09,560 --> 00:16:11,200
Speaker 4: You know that powdered mashed potato?

385
00:16:11,320 --> 00:16:12,240
Speaker 6: Okay, no I did.

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Speaker 4: I was like, what is it?

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00:16:12,880 --> 00:16:13,800
Speaker 6: Dev mashed potato?

388
00:16:14,240 --> 00:16:19,200
Speaker 2: I don't know. It's like a crowded in the canned section.

389
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Speaker 5: Anyway, So this is two dollars and ten cents. You

390
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Speaker 5: can feed your whole family with this.

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Speaker 4: You just literally need make with it.

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Speaker 2: Did you just make a bowl of mashed potato and

393
00:16:29,440 --> 00:16:32,240
Speaker 2: go bond apple teeth because it's filling?

394
00:16:32,280 --> 00:16:32,320
Speaker 1: No?

395
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Speaker 5: I did put some baby peas in there, which is like,

396
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Speaker 5: let's not worry about that because you.

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Speaker 2: Put in potato and called that a meal.

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Speaker 3: Beck.

399
00:16:38,720 --> 00:16:40,760
Speaker 4: Yeah, sometimes you gotta do what you gotta do.

400
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Speaker 6: It bubble and squeak.

401
00:16:42,400 --> 00:16:47,280
Speaker 5: It's bubble and squeak, exactly, it's just a little bit want.

402
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Speaker 5: But I have found that with any kind of like

403
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Speaker 5: let's say rice, I used to like really get in

404
00:16:53,800 --> 00:16:55,000
Speaker 5: there and wash it and like.

405
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Speaker 4: Make it all fluffy.

406
00:16:56,080 --> 00:16:57,760
Speaker 5: But if I just like add heaps of water and

407
00:16:57,800 --> 00:17:00,000
Speaker 5: it's like the volume of it is just so it's

408
00:17:00,120 --> 00:17:02,920
Speaker 5: like sticky rice. It's like really sludgy whatever doesn't matter,

409
00:17:03,080 --> 00:17:04,399
Speaker 5: but it's so much more filling.

410
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Speaker 4: Same with like dead mashed potato.

411
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Speaker 2: Selling me on the sludge anything that no, but it's

412
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Speaker 2: actually is delicious. I am really good at one thing

413
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Speaker 2: in this life, and it is cooking rice. Well in

414
00:17:14,119 --> 00:17:16,920
Speaker 2: my family known for being able to pull off really

415
00:17:16,960 --> 00:17:18,879
Speaker 2: good rice, which and ask me how I'll do it,

416
00:17:18,920 --> 00:17:22,760
Speaker 2: because apparently on TikTok it's really political how you cook rice.

417
00:17:23,520 --> 00:17:25,959
Speaker 2: But I've got it down. It's like it's fluffy. If

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Speaker 2: you give me gluggy rice, I'm going home back.

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Speaker 5: But and this is the thing that most of the

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Speaker 5: past cycle, I'm having fluffy rice.

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Speaker 2: At the end of the paste.

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Speaker 5: Cycle, I'm just trying to fill myself up. Yeah, I'm

423
00:17:35,440 --> 00:17:38,040
Speaker 5: making gluggy rice. I'm making dead mashed potato.

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Speaker 2: Anyway.

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Speaker 5: So my broke tip for this week is buy dead

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Speaker 5: mashed potato instead of regular potato, because it tastes just

427
00:17:43,440 --> 00:17:46,200
Speaker 5: as good it is powdered potato. Two ten cents will

428
00:17:46,240 --> 00:17:49,480
Speaker 5: feed nearly a whole family. I would say all you

429
00:17:49,520 --> 00:17:50,480
Speaker 5: need is hot water.

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Speaker 6: That is literally all you need, and then if you

431
00:17:52,359 --> 00:17:54,040
Speaker 6: want to be fancy, you could put like some butter

432
00:17:54,160 --> 00:17:56,320
Speaker 6: or some garlic totally. You know, if you have like

433
00:17:56,359 --> 00:17:58,720
Speaker 6: a rosemary, bushes grow like crazy. So if you know

434
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Speaker 6: a neighbor or if there's money park, I feel like

435
00:18:00,880 --> 00:18:02,840
Speaker 6: a bit of rosemary and the mashed potatoes would be deleaged.

436
00:18:02,920 --> 00:18:05,480
Speaker 2: Yeah, I've already told you guys that you absolutely should

437
00:18:05,520 --> 00:18:08,080
Speaker 2: be like liberating is what we call the jess like

438
00:18:08,359 --> 00:18:11,520
Speaker 2: we do herbs that you see in people's like front gardens. Yeah,

439
00:18:11,680 --> 00:18:14,160
Speaker 2: it's reachable from the street. It is free game.

440
00:18:14,240 --> 00:18:16,919
Speaker 6: Agreed, they're probably happy for the free gardening service.

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00:18:17,560 --> 00:18:20,440
Speaker 2: I agree. I agree. The other thing I would say

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00:18:20,440 --> 00:18:23,560
Speaker 2: to upgrade that beck is while you are, you know,

443
00:18:23,640 --> 00:18:24,920
Speaker 2: at the start of the month where you have a

444
00:18:24,960 --> 00:18:27,840
Speaker 2: little bit more cash, add one of those just Coal's

445
00:18:27,880 --> 00:18:31,400
Speaker 2: brand tins of gravy to your like, to your mix.

446
00:18:31,440 --> 00:18:33,520
Speaker 2: I think they're like two dollars and ten cents ish

447
00:18:33,560 --> 00:18:35,560
Speaker 2: for the Coals brand one. I don't think there's a

448
00:18:35,600 --> 00:18:38,800
Speaker 2: difference between brands like they they're all the same because

449
00:18:38,840 --> 00:18:40,880
Speaker 2: then you could just have some gravy over the top

450
00:18:40,920 --> 00:18:42,760
Speaker 2: of your mashed potato. And that's elite.

451
00:18:43,160 --> 00:18:44,640
Speaker 4: That is a potato and gravy.

452
00:18:44,720 --> 00:18:47,440
Speaker 2: Yeah, and it's so cheap. It's like two dollars a tin. Yeah,

453
00:18:47,440 --> 00:18:49,600
Speaker 2: but like the tin, you just need a tea spoon

454
00:18:49,600 --> 00:18:51,400
Speaker 2: of it to make the amount of gravy that you'd need.

455
00:18:51,400 --> 00:18:52,560
Speaker 2: So that's gonna last ages.

456
00:18:52,760 --> 00:18:55,240
Speaker 4: I love that. That's such a good idea. Thank you

457
00:18:55,280 --> 00:18:56,040
Speaker 4: for snack.

458
00:18:56,040 --> 00:18:57,679
Speaker 2: Do you want to get mashed potato after this?

459
00:18:58,400 --> 00:18:58,880
Speaker 4: Yeah?

460
00:18:58,920 --> 00:18:59,840
Speaker 6: It's Monday, KFC.

461
00:19:00,119 --> 00:19:03,440
Speaker 2: Oh sod it.

462
00:19:03,640 --> 00:19:06,560
Speaker 4: I've never had anyone who's that organically before. That was amazing.

463
00:19:07,040 --> 00:19:10,520
Speaker 4: That was amazing. We have tip more good broad tip.

464
00:19:10,840 --> 00:19:13,800
Speaker 4: So I guess the if you don't mind, Oh yeah,

465
00:19:14,320 --> 00:19:14,800
Speaker 4: I think.

466
00:19:15,000 --> 00:19:16,960
Speaker 5: I mean, I've never been pregnant, but I assume that

467
00:19:17,119 --> 00:19:19,439
Speaker 5: maybe part of pregnancy is, you know, maybe having to

468
00:19:19,440 --> 00:19:21,320
Speaker 5: buy like maternity clothes and things like that.

469
00:19:21,359 --> 00:19:23,360
Speaker 2: You can't stop, won't stop not happening.

470
00:19:23,440 --> 00:19:24,919
Speaker 4: You have found a workaround.

471
00:19:25,000 --> 00:19:27,040
Speaker 2: I feel like if you've been pregnant before, you're gonna

472
00:19:27,040 --> 00:19:28,480
Speaker 2: be like v This is not a tip.

473
00:19:28,600 --> 00:19:33,440
Speaker 4: This is desperation hanging on by thread literally.

474
00:19:33,280 --> 00:19:36,439
Speaker 2: Right literally, so my genes I can still get them on.

475
00:19:36,520 --> 00:19:38,960
Speaker 2: As I said before, I don't think that's gonna last

476
00:19:39,119 --> 00:19:42,439
Speaker 2: that much longer, if we're being honest. But I just

477
00:19:42,960 --> 00:19:46,520
Speaker 2: I can't justify all this pregnancy stuff, like I keep

478
00:19:46,600 --> 00:19:49,760
Speaker 2: being like what, like I have bought some singlets. So

479
00:19:49,800 --> 00:19:52,480
Speaker 2: I've bought these maternity singlets. They have the like little

480
00:19:52,520 --> 00:19:54,760
Speaker 2: breast feeding clips on them, not that they need them now,

481
00:19:54,760 --> 00:19:57,439
Speaker 2: but I bought them because they're longer, and so I

482
00:19:57,480 --> 00:20:00,359
Speaker 2: bought them, just like Cheapi's from H and M. Spending

483
00:20:00,400 --> 00:20:03,920
Speaker 2: money on this, Like, I cannot tell you how annoying

484
00:20:04,480 --> 00:20:06,840
Speaker 2: pregnancy stuff is to me, because I'm like, I'm gonna

485
00:20:06,840 --> 00:20:08,919
Speaker 2: wear it for less than nine months, Like you're pregnant

486
00:20:08,920 --> 00:20:11,080
Speaker 2: for what nearly ten months, and you're telling me that

487
00:20:11,200 --> 00:20:14,480
Speaker 2: for maybe, like you know, at twelve weeks pregnant, you

488
00:20:14,520 --> 00:20:18,000
Speaker 2: can probably fit in most of your clothes. Obviously first pregnancy,

489
00:20:18,040 --> 00:20:20,639
Speaker 2: everyone's different, all of that. But like I was fitting

490
00:20:20,640 --> 00:20:23,840
Speaker 2: in my normal clothes at twelve weeks and maybe all

491
00:20:23,880 --> 00:20:26,840
Speaker 2: the way up to like twenty weeks, eighteen twenty weeks,

492
00:20:26,840 --> 00:20:29,119
Speaker 2: I could still like squeeze into a lot of things.

493
00:20:29,320 --> 00:20:33,600
Speaker 2: I'm now like twenty five weeks. The jeans have almost

494
00:20:33,640 --> 00:20:36,359
Speaker 2: been sacrificed. I can't do them up at all. But

495
00:20:36,760 --> 00:20:39,400
Speaker 2: coming in clutch is a hair tie. I have tied

496
00:20:39,440 --> 00:20:42,480
Speaker 2: it around the belt loop and then flipped it over

497
00:20:42,560 --> 00:20:45,200
Speaker 2: their like little metal bit. And we're calling that done

498
00:20:45,280 --> 00:20:47,760
Speaker 2: up jeans with my H and M Singlet I just

499
00:20:47,800 --> 00:20:49,760
Speaker 2: pull that down a little bit lower, chuck on a

500
00:20:49,800 --> 00:20:51,840
Speaker 2: jumper i'd usually wear and call it a day. That

501
00:20:52,000 --> 00:20:53,119
Speaker 2: is my maternity outfit.

502
00:20:53,320 --> 00:20:55,080
Speaker 4: It looks very funny. It does look like it's almost

503
00:20:55,080 --> 00:20:55,560
Speaker 4: about snap.

504
00:20:55,560 --> 00:20:57,600
Speaker 2: Can we put a photo, Yeah, we'll check a photo

505
00:20:57,640 --> 00:21:01,719
Speaker 2: after it on Instagram. Look, it's not good. It's not

506
00:21:01,760 --> 00:21:03,400
Speaker 2: something i'm do you know what. Actually it is something

507
00:21:03,440 --> 00:21:03,960
Speaker 2: I'm proud of.

508
00:21:04,200 --> 00:21:06,320
Speaker 6: Like your work.

509
00:21:06,680 --> 00:21:08,280
Speaker 2: I'm not buying new Jeanes.

510
00:21:08,480 --> 00:21:11,920
Speaker 4: No, I need to do happening. It's just not happening.

511
00:21:12,080 --> 00:21:13,280
Speaker 2: One out of ten anyway.

512
00:21:13,359 --> 00:21:13,760
Speaker 4: I love that.

513
00:21:13,880 --> 00:21:16,120
Speaker 2: Move on from broke tips. Okay, let's go.

514
00:21:16,400 --> 00:21:16,720
Speaker 4: Let's go.

515
00:21:16,840 --> 00:21:18,359
Speaker 2: Let's go to a really quick break And on the

516
00:21:18,359 --> 00:21:21,000
Speaker 2: flip side, we're answering a money dilemma, which this week

517
00:21:21,119 --> 00:21:23,080
Speaker 2: is all about buying your first home and whether it

518
00:21:23,119 --> 00:21:25,720
Speaker 2: should be a home for your future or a home

519
00:21:25,760 --> 00:21:28,479
Speaker 2: for your current situation. And then we get to unpack

520
00:21:28,520 --> 00:21:30,840
Speaker 2: something you slid into our dms about this week, we're

521
00:21:30,840 --> 00:21:33,920
Speaker 2: talking about a partner who lies about their finances, So

522
00:21:34,160 --> 00:21:35,320
Speaker 2: don't go anywhere.

523
00:21:39,960 --> 00:21:42,280
Speaker 6: Welcome back, everybody. Let's take a quick listen to this

524
00:21:42,320 --> 00:21:43,960
Speaker 6: week's money dilemma, shall we.

525
00:21:46,040 --> 00:21:46,200
Speaker 5: Hi?

526
00:21:46,320 --> 00:21:46,560
Speaker 3: There?

527
00:21:46,840 --> 00:21:49,080
Speaker 2: Have you got a money dilemma you just can't solve?

528
00:21:49,240 --> 00:21:51,440
Speaker 2: The Sheese on the Money team is here to help.

529
00:21:51,760 --> 00:21:54,760
Speaker 2: Every week we tackle your dilemmas, both big and small,

530
00:21:54,840 --> 00:21:57,920
Speaker 2: to answer your most burning money, career and life questions.

531
00:21:58,119 --> 00:22:00,600
Speaker 8: To get involved, simply head to our webs and leave

532
00:22:00,680 --> 00:22:02,800
Speaker 8: us a short voice recording and you might just find

533
00:22:02,840 --> 00:22:05,560
Speaker 8: yourself on the show. Now, let's take a listen to

534
00:22:05,600 --> 00:22:09,600
Speaker 8: this week's money dilemma.

535
00:22:10,240 --> 00:22:13,520
Speaker 7: Hey, girls, my partner and I are hopefully going to

536
00:22:13,600 --> 00:22:15,840
Speaker 7: buy a property for the first time next year to

537
00:22:15,920 --> 00:22:20,800
Speaker 7: live in. But my main dilemma is that he thinks

538
00:22:20,800 --> 00:22:24,120
Speaker 7: that we should be buying a three bedroom place whatever.

539
00:22:24,320 --> 00:22:26,440
Speaker 7: Basically that's going to set and forget we're going to

540
00:22:26,520 --> 00:22:29,239
Speaker 7: live there forever. But the problem is we we know

541
00:22:29,280 --> 00:22:31,000
Speaker 7: we can't afford that. We're not in the market to

542
00:22:31,040 --> 00:22:33,920
Speaker 7: do that. We both earn over one hundred thousand dollars

543
00:22:34,000 --> 00:22:38,080
Speaker 7: a year each, but for us to buy basically our

544
00:22:38,160 --> 00:22:40,000
Speaker 7: dream home, we would have to live so far out

545
00:22:40,000 --> 00:22:44,000
Speaker 7: of the city, but also any government incentives we're not

546
00:22:44,080 --> 00:22:48,760
Speaker 7: eligible for. So I need some help. What should we

547
00:22:48,840 --> 00:22:52,840
Speaker 7: be doing for the first home and would we be

548
00:22:52,840 --> 00:22:55,680
Speaker 7: able to sell after a few years and buy something else.

549
00:22:56,000 --> 00:23:00,080
Speaker 2: Oh, this is it's honestly a really good question, you

550
00:23:00,119 --> 00:23:02,159
Speaker 2: said before when I told you at the start of

551
00:23:02,160 --> 00:23:04,040
Speaker 2: the episode, Jess, I was like, Oh, this is what

552
00:23:04,119 --> 00:23:06,160
Speaker 2: our money dilimma is going to be about. And you're like, Oh,

553
00:23:06,200 --> 00:23:08,879
Speaker 2: that's a good question. Why to you is that a

554
00:23:08,920 --> 00:23:09,439
Speaker 2: good question?

555
00:23:09,920 --> 00:23:12,760
Speaker 6: I just I think a lot of the time you

556
00:23:12,920 --> 00:23:15,760
Speaker 6: just go a home is a home, right, Like I

557
00:23:15,800 --> 00:23:18,040
Speaker 6: think when you're thinking about buying a home, sometimes you

558
00:23:18,119 --> 00:23:19,639
Speaker 6: just get caught up in the idea of it and

559
00:23:19,680 --> 00:23:23,439
Speaker 6: you don't necessarily think as in depth about the logistics

560
00:23:23,480 --> 00:23:25,600
Speaker 6: of what your future in the home looks like. Because,

561
00:23:25,720 --> 00:23:28,240
Speaker 6: as our listener has outlined, you know, you could kind

562
00:23:28,280 --> 00:23:30,800
Speaker 6: of just buy the cheapest home you can get. Maybe

563
00:23:30,840 --> 00:23:32,359
Speaker 6: it's not in the best area, maybe it's a bit

564
00:23:32,440 --> 00:23:34,680
Speaker 6: run down, maybe there's you know this, that or the other,

565
00:23:35,240 --> 00:23:37,919
Speaker 6: because you can afford it and it's well within your means,

566
00:23:38,000 --> 00:23:40,080
Speaker 6: and you know at some point you will move on

567
00:23:40,160 --> 00:23:42,280
Speaker 6: from that, and it's just what you can do that's

568
00:23:42,359 --> 00:23:45,280
Speaker 6: easily reachable, or you can go, oh, well, I want

569
00:23:45,320 --> 00:23:47,680
Speaker 6: the biggest, the best, I want all of the nice finishes.

570
00:23:47,720 --> 00:23:49,119
Speaker 6: I want the brand new house. I want to be

571
00:23:49,119 --> 00:23:50,560
Speaker 6: in the best area with the best street, with the

572
00:23:50,560 --> 00:23:52,640
Speaker 6: best neighborhood and the best school and all of those

573
00:23:52,680 --> 00:23:54,639
Speaker 6: things that kind of bump your price up and up

574
00:23:54,640 --> 00:23:57,200
Speaker 6: and up and up and up. Yeah, And I mean

575
00:23:57,280 --> 00:23:59,280
Speaker 6: both of those are very viable options. Like I don't

576
00:23:59,320 --> 00:24:01,760
Speaker 6: think them as any right option for anybody, but I

577
00:24:01,840 --> 00:24:03,680
Speaker 6: just think it's a good question to be thinking about,

578
00:24:03,680 --> 00:24:05,320
Speaker 6: what does my future, Like how long am I going

579
00:24:05,359 --> 00:24:07,480
Speaker 6: to stay here? Because if you only plan on being

580
00:24:07,480 --> 00:24:08,879
Speaker 6: there for a year or two, maybe you do just

581
00:24:08,920 --> 00:24:11,640
Speaker 6: go the kind of more affordable option and you go, oh,

582
00:24:11,640 --> 00:24:13,440
Speaker 6: I can live with whatever for a couple of years,

583
00:24:14,040 --> 00:24:16,840
Speaker 6: save a bit more aggressively, and then move to something

584
00:24:16,840 --> 00:24:17,439
Speaker 6: better later on.

585
00:24:18,000 --> 00:24:20,280
Speaker 5: Obviously I'm probably not the best of person to speak

586
00:24:20,320 --> 00:24:23,240
Speaker 5: on this, but I would think that maybe is there

587
00:24:23,280 --> 00:24:25,919
Speaker 5: like if you buy now, even if it's like not

588
00:24:26,080 --> 00:24:29,520
Speaker 5: your ideal suburb or location or even the house is

589
00:24:29,560 --> 00:24:32,080
Speaker 5: an ideal, just buying that.

590
00:24:32,400 --> 00:24:34,840
Speaker 4: Surely the price will go up in a few years.

591
00:24:35,000 --> 00:24:37,439
Speaker 5: Maybe you make some money there, Like I feel like

592
00:24:37,440 --> 00:24:40,280
Speaker 5: it's maybe not like this isn't the right term, but

593
00:24:40,320 --> 00:24:44,880
Speaker 5: like quick and easy way to kind of get.

594
00:24:44,680 --> 00:24:46,560
Speaker 4: Like equities at what it's called, yeah, and.

595
00:24:46,520 --> 00:24:50,560
Speaker 5: Then buying somewhere else more ideal in the future. But

596
00:24:50,600 --> 00:24:52,560
Speaker 5: if you have that, if you start there, then like

597
00:24:53,320 --> 00:24:55,640
Speaker 5: you're not I think right now, if you're like you're

598
00:24:55,640 --> 00:24:57,919
Speaker 5: paying rent, you're paying someone else's mortgage. And then if

599
00:24:57,960 --> 00:25:00,840
Speaker 5: you have the ability to pay your own mortgage in

600
00:25:00,880 --> 00:25:03,360
Speaker 5: a place it's not ideal for you, you're still.

601
00:25:03,160 --> 00:25:05,400
Speaker 4: Kind of it feels like you're still saving money. Does

602
00:25:05,440 --> 00:25:06,040
Speaker 4: that make sense?

603
00:25:06,240 --> 00:25:09,320
Speaker 2: Yeah, yeah, it totally makes sense. And this is well

604
00:25:09,359 --> 00:25:12,040
Speaker 2: timed because obviously I released property with She's on the

605
00:25:12,040 --> 00:25:14,399
Speaker 2: Money this year, and in that book I talk a

606
00:25:14,440 --> 00:25:17,439
Speaker 2: lot about how your dream home is the home you

607
00:25:17,480 --> 00:25:21,560
Speaker 2: can afford, because I think that given the property market

608
00:25:21,600 --> 00:25:25,080
Speaker 2: has changed so dramatically in the last fifty years. So

609
00:25:25,520 --> 00:25:28,600
Speaker 2: for example, if I take you back to nineteen seventy five,

610
00:25:29,080 --> 00:25:33,840
Speaker 2: the average Australian property cost five four or five times

611
00:25:33,840 --> 00:25:37,680
Speaker 2: the annual salary. Today that costs between thirteen and fifteen

612
00:25:37,720 --> 00:25:40,080
Speaker 2: times your annual salary, and you might go, oh, vib

613
00:25:40,119 --> 00:25:44,560
Speaker 2: but what about inflation? Everything changes If your salary growth

614
00:25:44,640 --> 00:25:47,080
Speaker 2: had kept up, or if salary growth in general had

615
00:25:47,160 --> 00:25:51,440
Speaker 2: kept up, the average salary for every Australian today would

616
00:25:51,440 --> 00:25:56,440
Speaker 2: be one hundred and sixty two thousand dollars. So wage

617
00:25:56,520 --> 00:25:59,600
Speaker 2: growth has not kept up with property growth, because if

618
00:26:00,080 --> 00:26:02,359
Speaker 2: wage growth was that, it'd be one hundred and sixty

619
00:26:02,359 --> 00:26:05,360
Speaker 2: two thousand dollars, but it's not. The average salary here

620
00:26:05,359 --> 00:26:08,520
Speaker 2: in Australia today is sixty five thousand dollars. So we

621
00:26:08,560 --> 00:26:12,040
Speaker 2: are at a significant disadvantage when it comes to getting

622
00:26:12,040 --> 00:26:16,119
Speaker 2: into the property market. Irrespective of interest rates, irrespective of

623
00:26:16,160 --> 00:26:18,160
Speaker 2: what the bank is going to charge you, or how

624
00:26:18,200 --> 00:26:21,399
Speaker 2: easy it is to access alone, it's just harder today.

625
00:26:21,840 --> 00:26:25,119
Speaker 2: Often we try to blame you know, irresponsible millennials or

626
00:26:25,119 --> 00:26:27,280
Speaker 2: going up for branch or you know, millennials these days

627
00:26:27,280 --> 00:26:30,919
Speaker 2: prioritize their lifestyles more like to me, that's not the case,

628
00:26:31,280 --> 00:26:35,840
Speaker 2: because life is genuinely harder. So when we look at property,

629
00:26:36,119 --> 00:26:39,040
Speaker 2: we can't have this white picket fence dream that we

630
00:26:39,280 --> 00:26:42,359
Speaker 2: historically had because you know, if my parents were able

631
00:26:42,400 --> 00:26:45,480
Speaker 2: to walk into a property like that, that doesn't necessarily

632
00:26:45,520 --> 00:26:47,359
Speaker 2: mean I can. But I think we always look to

633
00:26:47,440 --> 00:26:49,000
Speaker 2: history and go, oh, they were able to do it,

634
00:26:49,000 --> 00:26:49,720
Speaker 2: why can't.

635
00:26:49,560 --> 00:26:50,000
Speaker 6: I do it?

636
00:26:50,080 --> 00:26:53,000
Speaker 2: Well, Actually, the world has changed. So to me, your

637
00:26:53,080 --> 00:26:55,719
Speaker 2: dream home is the property that you can afford, not

638
00:26:55,760 --> 00:26:59,480
Speaker 2: necessarily the property that you want. And what this listener

639
00:26:59,480 --> 00:27:02,960
Speaker 2: has written in and said to me is that property. So,

640
00:27:03,000 --> 00:27:06,000
Speaker 2: like we could go further out, that property is actually

641
00:27:06,040 --> 00:27:08,280
Speaker 2: not in the location that is your dream location. So

642
00:27:08,320 --> 00:27:10,520
Speaker 2: therefore it's not your dream property because you're having to

643
00:27:10,520 --> 00:27:14,080
Speaker 2: make significant compromise. I would say to get into what

644
00:27:14,280 --> 00:27:16,720
Speaker 2: would be, you know, a three bedroom house as opposed

645
00:27:16,760 --> 00:27:19,639
Speaker 2: to a starter property. And I obviously am in the

646
00:27:19,640 --> 00:27:22,119
Speaker 2: property game always. I own Zella Money, which is a

647
00:27:22,160 --> 00:27:25,000
Speaker 2: mortgage broking firm, and we see people getting into their

648
00:27:25,000 --> 00:27:27,720
Speaker 2: first homes literally every day. It's my favorite thing in

649
00:27:27,760 --> 00:27:32,200
Speaker 2: the entire world. But often we're talking to clients about, well,

650
00:27:32,200 --> 00:27:34,600
Speaker 2: what compromises are you making, what is your long term

651
00:27:34,640 --> 00:27:37,960
Speaker 2: strategy on this property? And if you're not sure about

652
00:27:38,000 --> 00:27:40,520
Speaker 2: what that looks like, you need to do more research.

653
00:27:40,600 --> 00:27:42,119
Speaker 2: So i'd sit you down. And I've said this to

654
00:27:42,240 --> 00:27:44,640
Speaker 2: Jess before, because obviously Jess wants to buy a house.

655
00:27:44,640 --> 00:27:46,560
Speaker 2: I would say desperately at this point. I mean, it's

656
00:27:46,560 --> 00:27:48,560
Speaker 2: a bit on ice at the moment because like, the

657
00:27:48,600 --> 00:27:51,520
Speaker 2: world is in a bit of a shamble. But I'm

658
00:27:51,520 --> 00:27:54,400
Speaker 2: always like, Jess, can you please look at this property?

659
00:27:54,440 --> 00:27:57,239
Speaker 2: I know because Jess wants to buy her family home right, Like,

660
00:27:57,359 --> 00:28:00,240
Speaker 2: it's no secret she has this ideal of what you

661
00:28:00,240 --> 00:28:02,440
Speaker 2: want to buy. And that's fine because her dream location

662
00:28:02,960 --> 00:28:05,680
Speaker 2: is going to allow that and that will work. So

663
00:28:05,720 --> 00:28:07,600
Speaker 2: it's not like Jess actually has rocks in her head.

664
00:28:07,680 --> 00:28:10,560
Speaker 2: So that's okay. But every time I'm like, you don't

665
00:28:10,560 --> 00:28:14,280
Speaker 2: know how your circumstances can change before you buy any house.

666
00:28:14,440 --> 00:28:16,800
Speaker 2: Can you please look at it pragmatically and go what

667
00:28:16,840 --> 00:28:19,840
Speaker 2: would it resell for? Yes, it might be your perfect home,

668
00:28:19,880 --> 00:28:22,480
Speaker 2: but like, what would it mean if everything went south

669
00:28:22,600 --> 00:28:24,360
Speaker 2: and you needed to sell? Like could we just sell

670
00:28:24,400 --> 00:28:25,840
Speaker 2: it for what we bought it for and call it

671
00:28:25,880 --> 00:28:29,040
Speaker 2: an even break? Great, no worries? What does rental yield

672
00:28:29,080 --> 00:28:31,399
Speaker 2: in that area actually look like? And you might go,

673
00:28:31,480 --> 00:28:33,879
Speaker 2: v why am I bothering? I don't have any intention

674
00:28:33,920 --> 00:28:36,000
Speaker 2: of renting it out. Do you know how many people

675
00:28:36,040 --> 00:28:37,639
Speaker 2: I talk to that are like, oh, we're renting out

676
00:28:37,680 --> 00:28:42,280
Speaker 2: this property? We never thought we would just understand the numbers,

677
00:28:42,360 --> 00:28:46,160
Speaker 2: understand what you're getting yourself into and understand the compromise

678
00:28:46,200 --> 00:28:50,240
Speaker 2: you're making, because going for a more expensive property, you

679
00:28:50,320 --> 00:28:52,440
Speaker 2: might go, well, V, I now have my dream home.

680
00:28:53,120 --> 00:28:57,520
Speaker 2: Fantastic at what compromise? So has your lifestyle changed? Do

681
00:28:57,640 --> 00:29:00,600
Speaker 2: you now you know, significantly further out from your friends

682
00:29:00,600 --> 00:29:02,280
Speaker 2: and family and that's now getting in the way of

683
00:29:02,280 --> 00:29:04,840
Speaker 2: your social life, Like what does the rest of your

684
00:29:04,880 --> 00:29:06,600
Speaker 2: life look like? Because I feel like when we go

685
00:29:06,680 --> 00:29:09,840
Speaker 2: into the property journey, it's so tunnel visioned, like you're

686
00:29:09,920 --> 00:29:12,560
Speaker 2: just like far out. I finally have the deposit. You know,

687
00:29:12,600 --> 00:29:15,000
Speaker 2: I've talked to my Zella Money mortgage broker, and I'm

688
00:29:15,080 --> 00:29:17,280
Speaker 2: so excited. They said, I can be serviced up to

689
00:29:17,360 --> 00:29:20,120
Speaker 2: this amount. But you might not have thought about what

690
00:29:20,160 --> 00:29:22,600
Speaker 2: life looks like once you have that mortgage repayment coming

691
00:29:22,640 --> 00:29:24,640
Speaker 2: out of your account, Like, once you're in the house,

692
00:29:24,640 --> 00:29:26,920
Speaker 2: what does life look like? How does that work? Because

693
00:29:26,960 --> 00:29:29,680
Speaker 2: I guess reflecting even on my own personal journey. You

694
00:29:29,720 --> 00:29:32,520
Speaker 2: guys know that during COVID, my husband Steve or he

695
00:29:32,640 --> 00:29:35,080
Speaker 2: was my boyfriend at the time, we bought a house

696
00:29:35,120 --> 00:29:38,720
Speaker 2: together and I remember buying that and saying to Steve,

697
00:29:39,240 --> 00:29:41,239
Speaker 2: this would be so good because it has more than

698
00:29:41,280 --> 00:29:44,080
Speaker 2: three bedrooms, Like it's a four bedroom house, and I

699
00:29:44,120 --> 00:29:46,200
Speaker 2: remember saying, this will be great because we can be

700
00:29:46,280 --> 00:29:49,400
Speaker 2: here for ten fifteen years, And that was what two

701
00:29:49,520 --> 00:29:52,200
Speaker 2: and a half three years ago, and we're already like, great,

702
00:29:52,280 --> 00:29:54,480
Speaker 2: we want to move. We want to change our situation,

703
00:29:54,800 --> 00:29:58,280
Speaker 2: like this was our dream property, and now our financial

704
00:29:58,320 --> 00:30:01,560
Speaker 2: situation has changed enough to enable us to kind of

705
00:30:01,800 --> 00:30:04,440
Speaker 2: step up into that next level of property. But I'm

706
00:30:04,480 --> 00:30:06,520
Speaker 2: looking at it going at what point would I do that?

707
00:30:06,560 --> 00:30:08,600
Speaker 2: And obviously I'll share the journey if we decide to

708
00:30:08,600 --> 00:30:11,280
Speaker 2: do that, but I'm not there yet. But now we're

709
00:30:11,320 --> 00:30:13,080
Speaker 2: having a baby, we'd like to be closer to parks,

710
00:30:13,080 --> 00:30:15,120
Speaker 2: so we'd like to be in this different location or

711
00:30:15,160 --> 00:30:17,520
Speaker 2: you know, closer to family or whatever we're talking about.

712
00:30:18,280 --> 00:30:20,680
Speaker 2: That was not on our radar when we purchased the

713
00:30:20,720 --> 00:30:23,160
Speaker 2: first time. And I would say the first time I purchased,

714
00:30:23,160 --> 00:30:25,600
Speaker 2: I was really smart about it. I did know rental yield,

715
00:30:25,680 --> 00:30:27,440
Speaker 2: I did know all of those things. But in my

716
00:30:27,640 --> 00:30:29,880
Speaker 2: head we were going to stay in that property for

717
00:30:29,920 --> 00:30:32,360
Speaker 2: ten plus years. And now I look at it and go,

718
00:30:32,360 --> 00:30:35,720
Speaker 2: all right, well, I've actually renovated it. It's looking pretty good.

719
00:30:35,920 --> 00:30:38,320
Speaker 2: We haven't got a very good looking front yard, ask Jess,

720
00:30:38,320 --> 00:30:41,080
Speaker 2: she's Senna, it's heinous. It's about to change, don't worry. Yes,

721
00:30:41,120 --> 00:30:44,400
Speaker 2: I signed a contract with a beautiful landscaper, and I go,

722
00:30:44,640 --> 00:30:47,360
Speaker 2: this could actually sail quite nicely if we decided to,

723
00:30:47,560 --> 00:30:50,920
Speaker 2: you know, dispose of this and change our situation. Whereas

724
00:30:51,000 --> 00:30:53,680
Speaker 2: if you'd told me when I purchased the property, hey, e,

725
00:30:53,920 --> 00:30:55,800
Speaker 2: so after three years you're probably going to want to,

726
00:30:55,920 --> 00:30:58,200
Speaker 2: you know, change, I'd be like, absolutely not, you're joking.

727
00:30:58,240 --> 00:30:59,240
Speaker 2: This is my dream home.

728
00:30:59,320 --> 00:30:59,520
Speaker 6: Yeah.

729
00:30:59,600 --> 00:31:02,320
Speaker 2: So I think that is a good example of I

730
00:31:02,440 --> 00:31:05,160
Speaker 2: was so set, and I feel like we all get

731
00:31:05,200 --> 00:31:07,959
Speaker 2: like this because buying your property is going to be

732
00:31:08,040 --> 00:31:11,320
Speaker 2: one of the biggest financial expenses of your entire life,

733
00:31:11,600 --> 00:31:14,520
Speaker 2: will probably be the number one. But what would it

734
00:31:14,600 --> 00:31:18,160
Speaker 2: look like to pivot? What if life changes? You know,

735
00:31:18,240 --> 00:31:20,480
Speaker 2: I'm not going to get dramatic about your relationship ending,

736
00:31:20,520 --> 00:31:22,800
Speaker 2: but like, that's something we need to take into consideration

737
00:31:22,880 --> 00:31:26,480
Speaker 2: as well. But what if in five years you've built

738
00:31:26,560 --> 00:31:28,959
Speaker 2: up enough equity back to go into your next property

739
00:31:28,960 --> 00:31:32,360
Speaker 2: and rent this one out. Is that an opportunity Because

740
00:31:32,360 --> 00:31:34,480
Speaker 2: that's a wealth creation strategy that you might not have

741
00:31:34,520 --> 00:31:36,360
Speaker 2: thought about. You might go, wow, I never thought that

742
00:31:36,360 --> 00:31:39,000
Speaker 2: i'd own a property that I could rent out, leverage

743
00:31:39,000 --> 00:31:41,400
Speaker 2: myself off that one and into my next property. So

744
00:31:41,440 --> 00:31:43,280
Speaker 2: that's where I think it's important to have a really

745
00:31:43,320 --> 00:31:45,960
Speaker 2: good conversation with a mortgage broker, because you can't do

746
00:31:46,080 --> 00:31:49,440
Speaker 2: that yourself. Like ask Jess, I bullied her for the

747
00:31:49,480 --> 00:31:52,440
Speaker 2: longest time, I said, sit down with a good mortgage broker.

748
00:31:52,600 --> 00:31:56,680
Speaker 2: Did you Eventually it was good? Now you have Do

749
00:31:56,720 --> 00:31:58,320
Speaker 2: you feel like you have that clarity?

750
00:31:58,640 --> 00:32:00,720
Speaker 6: Yeah? Yeah, it's really handy, something that you can just

751
00:32:00,800 --> 00:32:02,280
Speaker 6: lean on and be like, hey, like what does this

752
00:32:02,320 --> 00:32:04,720
Speaker 6: look like if I my income changes by this, or

753
00:32:04,760 --> 00:32:07,200
Speaker 6: if rates have changed by that, Like what impact does

754
00:32:07,200 --> 00:32:09,040
Speaker 6: that have on my borrowing capacity? And what will that

755
00:32:09,120 --> 00:32:11,200
Speaker 6: mean for the properties that I can or can't afford?

756
00:32:11,400 --> 00:32:13,800
Speaker 2: Exactly? And a mortgage broker does this day in day out,

757
00:32:13,920 --> 00:32:15,920
Speaker 2: Like use them as a really good, I guess sense

758
00:32:16,000 --> 00:32:18,600
Speaker 2: check resource because go, all right, well, actually is this

759
00:32:18,640 --> 00:32:21,040
Speaker 2: a good idea? I promise your mortgage broker will be like, look,

760
00:32:21,080 --> 00:32:23,120
Speaker 2: it's your choice, but like you know, we've had a

761
00:32:23,120 --> 00:32:25,440
Speaker 2: couple of clients go down this route instead, or we've

762
00:32:25,480 --> 00:32:27,560
Speaker 2: had a couple of clients do this, or actually that

763
00:32:27,680 --> 00:32:30,800
Speaker 2: area seems really popular. So I would have a chat

764
00:32:30,800 --> 00:32:33,240
Speaker 2: with a mortgage broker sooner rather than later. To the

765
00:32:33,280 --> 00:32:35,960
Speaker 2: person who has written in this money dilemma, but if

766
00:32:36,000 --> 00:32:39,440
Speaker 2: you're thinking about buying and you're not entirely sure, just

767
00:32:39,480 --> 00:32:41,960
Speaker 2: go sit down with a mortgage broker before you're ready

768
00:32:42,240 --> 00:32:44,280
Speaker 2: and actually go, well, what does this look like? How

769
00:32:44,280 --> 00:32:45,040
Speaker 2: does this work?

770
00:32:45,160 --> 00:32:45,320
Speaker 7: You know?

771
00:32:45,360 --> 00:32:47,880
Speaker 2: How much more deposit can I save? I know our

772
00:32:47,920 --> 00:32:51,440
Speaker 2: money dilemma ride arenera Jess actually said, oh, we actually

773
00:32:51,440 --> 00:32:53,520
Speaker 2: have a combined income of more than two hundred thousand

774
00:32:53,560 --> 00:32:58,080
Speaker 2: dollars sligh like big flex. But also they said, oh,

775
00:32:58,120 --> 00:33:00,560
Speaker 2: none of the government grants apply to me. Some of

776
00:33:00,560 --> 00:33:03,360
Speaker 2: them still would have you actually had someone look into

777
00:33:03,360 --> 00:33:05,120
Speaker 2: that to make sure that you're dotting all your eyes

778
00:33:05,160 --> 00:33:08,600
Speaker 2: and crossing all your tea's, because sometimes different circumstances can

779
00:33:08,680 --> 00:33:10,960
Speaker 2: change so that you might be able to access different

780
00:33:10,960 --> 00:33:13,280
Speaker 2: grants that you might not have even heard of. So

781
00:33:13,480 --> 00:33:15,760
Speaker 2: to me get a really good mortgage broker on your side,

782
00:33:15,760 --> 00:33:18,040
Speaker 2: I'm obviously incredibly biased and think that you should just

783
00:33:18,040 --> 00:33:20,600
Speaker 2: work with us because I've got your best interests at heart.

784
00:33:20,600 --> 00:33:22,680
Speaker 2: So we'll chuck all of the details to get in

785
00:33:22,760 --> 00:33:26,640
Speaker 2: contact with Zella Money in the show notes today, but honestly,

786
00:33:26,720 --> 00:33:28,920
Speaker 2: just talk to someone who can help you get through

787
00:33:28,920 --> 00:33:30,600
Speaker 2: this so that you and your partner are on the

788
00:33:30,640 --> 00:33:32,840
Speaker 2: same page, because you do not want to be on

789
00:33:32,880 --> 00:33:36,080
Speaker 2: different pages when making the biggest financial decision of your life.

790
00:33:36,200 --> 00:33:38,160
Speaker 6: Yeah. I have two different friends, for what it's worth,

791
00:33:38,160 --> 00:33:40,520
Speaker 6: two different friends who purchase properties at the top of

792
00:33:40,560 --> 00:33:42,600
Speaker 6: what they were able to with their partners, and they

793
00:33:42,600 --> 00:33:46,440
Speaker 6: are both looking at downsizing this year. Really yeah, just

794
00:33:46,440 --> 00:33:49,840
Speaker 6: because they felt like their lifestyle compromise, Like they can't

795
00:33:49,840 --> 00:33:52,280
Speaker 6: go on holidays, they have much less fun money, if

796
00:33:52,280 --> 00:33:54,000
Speaker 6: you want to call it that, And so for them,

797
00:33:54,040 --> 00:33:56,240
Speaker 6: they're like, oh, maybe having the big nights house isn't

798
00:33:56,240 --> 00:33:58,240
Speaker 6: worth as much to us as being able to live

799
00:33:58,240 --> 00:34:01,120
Speaker 6: our lives in the way that we want. Like, you

800
00:34:01,200 --> 00:34:04,560
Speaker 6: both obviously have valid thoughts and feelings, but maybe have

801
00:34:04,560 --> 00:34:06,480
Speaker 6: a look and talk to your partner about, well, okay,

802
00:34:06,520 --> 00:34:08,600
Speaker 6: if we do take out the much bigger property, that

803
00:34:08,760 --> 00:34:11,360
Speaker 6: it's going to chew up a lot more abou our income.

804
00:34:11,880 --> 00:34:13,359
Speaker 6: Like what are we going to have to give up

805
00:34:13,400 --> 00:34:15,759
Speaker 6: to do that? Because do we want to spend five

806
00:34:15,840 --> 00:34:17,680
Speaker 6: years without ever going on a holiday or do we

807
00:34:17,680 --> 00:34:20,520
Speaker 6: want to spend you know, a couple of years really

808
00:34:21,000 --> 00:34:24,360
Speaker 6: scrimping and saving rather than just being able to enjoy

809
00:34:24,400 --> 00:34:25,160
Speaker 6: this new space.

810
00:34:25,719 --> 00:34:27,880
Speaker 2: It's so true. It is so true, And I feel

811
00:34:27,920 --> 00:34:30,920
Speaker 2: like often people go yeah, yeah, Victoria or whatever or whatever,

812
00:34:31,000 --> 00:34:34,680
Speaker 2: but that's the reality of the circumstances. Like unfortunately, guys,

813
00:34:34,760 --> 00:34:36,080
Speaker 2: money is not endless and.

814
00:34:36,200 --> 00:34:37,120
Speaker 6: Rates are going up.

815
00:34:37,239 --> 00:34:39,480
Speaker 2: So if money was endless, I wouldn't have a job.

816
00:34:39,560 --> 00:34:43,960
Speaker 2: So yeah, So anyway, moving on, we received a DM

817
00:34:44,040 --> 00:34:47,240
Speaker 2: this week, guys, a little bit spicy, as I said,

818
00:34:47,680 --> 00:34:51,440
Speaker 2: kind of like the drama. Would you like to hear it? Absolutely? Girls,

819
00:34:51,480 --> 00:34:53,520
Speaker 2: I need your help. I've been with my partner for

820
00:34:53,560 --> 00:34:56,120
Speaker 2: around the year now, and we keep our finances separate

821
00:34:56,160 --> 00:34:58,560
Speaker 2: as we don't live together. Plus there is a big

822
00:34:58,560 --> 00:35:01,560
Speaker 2: difference in what we earn. He makes more than double

823
00:35:01,640 --> 00:35:05,480
Speaker 2: what I do. Now here's where things get tricky. Despite

824
00:35:05,560 --> 00:35:08,880
Speaker 2: him making so much, he always tells me how broke

825
00:35:08,920 --> 00:35:13,200
Speaker 2: he is, and he's stressed out, always about money. Of course,

826
00:35:13,239 --> 00:35:15,560
Speaker 2: I believed him when he told me this in the past,

827
00:35:15,640 --> 00:35:18,359
Speaker 2: so I often just started paying for dinners, or I'd

828
00:35:18,400 --> 00:35:21,040
Speaker 2: pay for the weekends away or even transfer him funds

829
00:35:21,120 --> 00:35:24,560
Speaker 2: to cover his daily costs to reduce his stress. I'm

830
00:35:24,680 --> 00:35:27,120
Speaker 2: really good with savings, so it doesn't bother me too

831
00:35:27,200 --> 00:35:28,880
Speaker 2: much because I just want us to be able to

832
00:35:28,880 --> 00:35:31,040
Speaker 2: do these things together and I see us being together

833
00:35:31,040 --> 00:35:34,480
Speaker 2: for a long time. However, I just found out he

834
00:35:34,520 --> 00:35:38,600
Speaker 2: bought himself a really expensive watch, and he lied to

835
00:35:38,640 --> 00:35:41,439
Speaker 2: me and told me it costs way way less than

836
00:35:41,440 --> 00:35:44,160
Speaker 2: what it actually cost. If he can afford that, he

837
00:35:44,200 --> 00:35:47,120
Speaker 2: doesn't need money off me, and I feel totally used.

838
00:35:47,520 --> 00:35:49,920
Speaker 2: I haven't confronted him yet, so I would love to

839
00:35:49,960 --> 00:35:52,319
Speaker 2: know from you girls how you would handle this.

840
00:35:52,920 --> 00:35:56,080
Speaker 5: There's a lot going on, Yeah that is I mean,

841
00:35:56,280 --> 00:36:00,720
Speaker 5: I don't want to be that person, but this feels

842
00:36:00,760 --> 00:36:01,440
Speaker 5: really easy for me.

843
00:36:01,880 --> 00:36:08,160
Speaker 4: You must leave and take the watch with you if

844
00:36:08,160 --> 00:36:10,160
Speaker 4: you can. But I just think this is multi layer.

845
00:36:10,320 --> 00:36:11,840
Speaker 5: Like if you was like I want to buy myself

846
00:36:11,840 --> 00:36:14,120
Speaker 5: this watch, I'm lying about how much it costs because

847
00:36:14,200 --> 00:36:16,160
Speaker 5: it's like I'm kind of embarrassed about, like how much

848
00:36:16,239 --> 00:36:19,560
Speaker 5: is spent on this, but like that on its own,

849
00:36:20,600 --> 00:36:25,120
Speaker 5: maybe sure, maybe, but actively.

850
00:36:24,680 --> 00:36:27,600
Speaker 4: Taking money from her in the process.

851
00:36:27,440 --> 00:36:31,480
Speaker 2: Because you are crying broke all the time, which is

852
00:36:31,600 --> 00:36:34,560
Speaker 2: very valid if you're in a relationship and you're like

853
00:36:34,920 --> 00:36:36,560
Speaker 2: like if Jess and I were together and I was like,

854
00:36:36,600 --> 00:36:39,160
Speaker 2: I really can't afford this, like, and Jess stepped up

855
00:36:39,160 --> 00:36:40,759
Speaker 2: and said, look, I would really like to give you

856
00:36:40,800 --> 00:36:44,359
Speaker 2: some cash for that. Like that's a two way relationship,

857
00:36:44,640 --> 00:36:47,000
Speaker 2: Like that's okay, And I think we need to make

858
00:36:47,040 --> 00:36:51,000
Speaker 2: sure that we're not crucifying that circumstance because for some

859
00:36:51,080 --> 00:36:54,520
Speaker 2: people that's fine. But the complexity gets added when I

860
00:36:54,560 --> 00:36:57,840
Speaker 2: earn double wat jessons, But I'm still borrowing from Jess.

861
00:36:57,880 --> 00:37:00,719
Speaker 2: But then also what out here living a lot lifestyle,

862
00:37:00,760 --> 00:37:03,040
Speaker 2: buying a watch that Jess could never afford. What's the

863
00:37:03,160 --> 00:37:03,840
Speaker 2: borrowing for me?

864
00:37:03,880 --> 00:37:06,040
Speaker 6: Because like I have definitely been guilty, Like I have

865
00:37:06,080 --> 00:37:08,160
Speaker 6: said to my partner, I'm so broken. We've said before

866
00:37:08,239 --> 00:37:12,200
Speaker 6: I out earned my partner relatively significantly, which she's a

867
00:37:12,200 --> 00:37:12,600
Speaker 6: big dog.

868
00:37:12,920 --> 00:37:15,319
Speaker 2: Well he's no, no, no, no, no, no, I just own it,

869
00:37:15,440 --> 00:37:17,200
Speaker 2: Jess Entry dog.

870
00:37:17,280 --> 00:37:18,799
Speaker 6: He's on his way up. But you know what I mean,

871
00:37:18,840 --> 00:37:20,720
Speaker 6: Like I'm the high income owner. And I have definitely

872
00:37:20,719 --> 00:37:22,279
Speaker 6: said before, like there's been nights where he's been like

873
00:37:22,280 --> 00:37:24,359
Speaker 6: should we do takeout? And I've been like, oh nah,

874
00:37:24,520 --> 00:37:26,359
Speaker 6: like I'm too broke. It's the end of the month,

875
00:37:26,719 --> 00:37:29,360
Speaker 6: pay week, whatever. But I think that is very different

876
00:37:29,440 --> 00:37:31,560
Speaker 6: for me. That's about setting a boundary, because when I

877
00:37:31,600 --> 00:37:34,040
Speaker 6: say I'm broke, I mean I've put fifty five percent

878
00:37:34,080 --> 00:37:36,319
Speaker 6: of my income's gone to my house deposit. I've paid

879
00:37:36,320 --> 00:37:37,800
Speaker 6: all my bills, my rents covered.

880
00:37:37,840 --> 00:37:38,680
Speaker 2: It must be nice.

881
00:37:38,680 --> 00:37:41,839
Speaker 6: I've just emptied my fund for takeout for the month. Yes,

882
00:37:42,000 --> 00:37:44,840
Speaker 6: is kind of so. I also think like the wording

883
00:37:45,880 --> 00:37:48,520
Speaker 6: in the circumstance can still be used. But I think

884
00:37:48,600 --> 00:37:51,360
Speaker 6: it's one thing to say, oh, I've exhausted my allocation

885
00:37:51,600 --> 00:37:54,600
Speaker 6: for that money. I don't want to spend anything on

886
00:37:54,760 --> 00:37:57,080
Speaker 6: takeaway or on a weekend away or whatever. It's a

887
00:37:57,200 --> 00:37:59,600
Speaker 6: very different thing to say, oh, I'll take your money

888
00:37:59,640 --> 00:38:01,640
Speaker 6: to do it because I've spent all of my extra

889
00:38:01,680 --> 00:38:04,000
Speaker 6: money poorly, or I've allocated all my money to something

890
00:38:04,000 --> 00:38:04,920
Speaker 6: else that's important to me.

891
00:38:05,160 --> 00:38:06,520
Speaker 4: Yes, to me, that feels different.

892
00:38:06,760 --> 00:38:07,800
Speaker 6: That feels very wrong.

893
00:38:08,000 --> 00:38:09,560
Speaker 4: That does feel It.

894
00:38:09,520 --> 00:38:11,640
Speaker 6: Does feel a little bit like they're taking advantage. If

895
00:38:12,000 --> 00:38:14,960
Speaker 6: your partner, who earns half of what you earn is

896
00:38:15,120 --> 00:38:17,839
Speaker 6: able to pay for these things, where is the money going?

897
00:38:17,880 --> 00:38:20,239
Speaker 6: And I guess priorities come into it, like if like

898
00:38:20,360 --> 00:38:23,040
Speaker 6: using the takeout example, sometimes my partners like I just

899
00:38:23,120 --> 00:38:25,440
Speaker 6: don't want to cook. I can't be bothered. I want

900
00:38:25,480 --> 00:38:26,839
Speaker 6: to get take out, And I'll say I don't want

901
00:38:26,880 --> 00:38:28,759
Speaker 6: to spend the money, like it's not my priority this

902
00:38:28,800 --> 00:38:31,360
Speaker 6: week whatever, and I'll go, I'll cook dinner for you.

903
00:38:31,560 --> 00:38:35,200
Speaker 6: Perfect compromise. Yes, But like in this situation, it doesn't

904
00:38:35,239 --> 00:38:37,400
Speaker 6: sound like it's a matter of priorities. It sounds like

905
00:38:37,440 --> 00:38:40,040
Speaker 6: he's just saying, Oh, I don't want it, babe, can

906
00:38:40,080 --> 00:38:40,640
Speaker 6: you get it?

907
00:38:42,520 --> 00:38:42,920
Speaker 2: Mickey?

908
00:38:43,160 --> 00:38:44,479
Speaker 6: It feels it.

909
00:38:44,440 --> 00:38:47,799
Speaker 4: Does feel very much like she's being taken advantage of a.

910
00:38:49,360 --> 00:38:51,800
Speaker 2: If you're crying broken, then you can afford an expensive

911
00:38:51,880 --> 00:38:52,560
Speaker 2: what and.

912
00:38:52,520 --> 00:38:53,719
Speaker 4: Then you have to put the watch on top.

913
00:38:53,760 --> 00:38:55,400
Speaker 6: I didn't even get to the worst.

914
00:38:55,000 --> 00:38:55,759
Speaker 4: Your watch on top?

915
00:38:56,200 --> 00:38:58,560
Speaker 5: And like, of course, like sometimes maybe this is my thing?

916
00:38:58,600 --> 00:39:01,319
Speaker 5: Is like maybe he was because he was saving up

917
00:39:01,360 --> 00:39:03,279
Speaker 5: for the watch, which is also like totally.

918
00:39:03,000 --> 00:39:05,600
Speaker 2: But that does not mean that your partner pays for

919
00:39:05,680 --> 00:39:10,879
Speaker 2: your life. You're saving for a discretionary items, Like we're

920
00:39:10,920 --> 00:39:13,000
Speaker 2: not talking like, oh and he went out and spent

921
00:39:13,160 --> 00:39:16,880
Speaker 2: money on his Red Joe. Yeah, like I'm so salty.

922
00:39:16,680 --> 00:39:17,880
Speaker 4: Or saving for a house or something.

923
00:39:18,080 --> 00:39:20,640
Speaker 2: No, no, not even the house savings. Your partner should

924
00:39:20,680 --> 00:39:23,440
Speaker 2: not be and like this is me being relatively aggressive.

925
00:39:23,480 --> 00:39:25,880
Speaker 2: Your partner should not be funding your lifestyle so that

926
00:39:25,960 --> 00:39:29,840
Speaker 2: you can save to get yourself ahead financially. It is compromised. Yeah,

927
00:39:29,880 --> 00:39:32,360
Speaker 2: Like as Jess was saying, she's like, I save for

928
00:39:32,480 --> 00:39:34,640
Speaker 2: my house and I said no to take out. I

929
00:39:34,640 --> 00:39:37,840
Speaker 2: mean it's up to her partner James then to go. Well, Jess,

930
00:39:38,000 --> 00:39:40,160
Speaker 2: it wasn't really a question. I really really really want

931
00:39:40,200 --> 00:39:44,400
Speaker 2: takeout or pay for different situations than Jess being like, oh,

932
00:39:44,440 --> 00:39:47,640
Speaker 2: I'm so broke, Like yeah, I really want that. You've

933
00:39:47,640 --> 00:39:49,600
Speaker 2: got to pay for it. That's guilt tripping.

934
00:39:49,880 --> 00:39:53,120
Speaker 6: Yeah, that's not okay, Like takeout is a relatively small

935
00:39:53,160 --> 00:39:56,640
Speaker 6: expense in the scheme, but good as talking about weekends away.

936
00:39:56,440 --> 00:39:58,799
Speaker 2: Which are weekends away?

937
00:39:58,880 --> 00:40:00,120
Speaker 6: Like I think with the takeout that you can go

938
00:40:00,200 --> 00:40:01,759
Speaker 6: oh if one partner is feeling it. One partners not

939
00:40:01,840 --> 00:40:03,799
Speaker 6: like okay, so one pays fifty bucks for take up

940
00:40:03,800 --> 00:40:05,479
Speaker 6: for the night. Very nice treat you love your partner,

941
00:40:05,520 --> 00:40:06,000
Speaker 6: you want to treat.

942
00:40:06,040 --> 00:40:07,640
Speaker 2: My husband has done that a number of times. To

943
00:40:07,680 --> 00:40:09,319
Speaker 2: be right, He'll be like, do you want to get

944
00:40:09,400 --> 00:40:11,000
Speaker 2: Uber eats? And I'll be like, no, no, no, We've

945
00:40:11,040 --> 00:40:13,480
Speaker 2: got heaps of like molly spoons in the fridge. Absolutely

946
00:40:13,480 --> 00:40:15,759
Speaker 2: not And he was like, it's not really a question.

947
00:40:16,239 --> 00:40:20,520
Speaker 6: Like I'm craving peak. Yeah, but that's here to me.

948
00:40:20,680 --> 00:40:23,759
Speaker 6: It's a more nominal expense a whole weekend away though.

949
00:40:23,760 --> 00:40:26,920
Speaker 6: If she's paying for two people, you're looking at upwards

950
00:40:26,920 --> 00:40:29,000
Speaker 6: of five hundred dollars and that's not a small amount

951
00:40:29,040 --> 00:40:30,920
Speaker 6: at a minimum. Yeah, and that's if you're doing like

952
00:40:30,960 --> 00:40:35,279
Speaker 6: a very like affordable cost expensive. Yeah, everything's sensive right now.

953
00:40:35,320 --> 00:40:37,880
Speaker 6: Like that is not a small expense for someone to

954
00:40:37,920 --> 00:40:39,719
Speaker 6: take on. And I know that I would feel very

955
00:40:39,760 --> 00:40:41,640
Speaker 6: guilty if my partner was doing that, but.

956
00:40:41,760 --> 00:40:42,920
Speaker 4: I couldn't totally.

957
00:40:43,560 --> 00:40:43,799
Speaker 2: Yeah.

958
00:40:44,320 --> 00:40:46,759
Speaker 6: Again, it's not as if one person saying I really

959
00:40:46,760 --> 00:40:48,840
Speaker 6: want to prioritize travel and the other partner goes, I

960
00:40:48,880 --> 00:40:50,440
Speaker 6: don't really care about traveling, and you go, oh, well

961
00:40:50,440 --> 00:40:51,400
Speaker 6: what if I covered it?

962
00:40:51,600 --> 00:40:53,640
Speaker 2: Yeah, because it's im ME want you to be there,

963
00:40:53,680 --> 00:40:55,960
Speaker 2: and this is an experience that I want us to share.

964
00:40:56,120 --> 00:40:57,520
Speaker 2: And yeah, different.

965
00:40:57,239 --> 00:40:59,360
Speaker 6: Again, I feel like there are so many avenues that

966
00:40:59,400 --> 00:41:01,960
Speaker 6: I could be more flexible on. But from what our

967
00:41:02,200 --> 00:41:04,960
Speaker 6: listener has said, I go, it really just feels to

968
00:41:05,040 --> 00:41:07,359
Speaker 6: me like he's taking advantage of you, and I don't

969
00:41:07,440 --> 00:41:07,960
Speaker 6: like that at all.

970
00:41:08,040 --> 00:41:11,080
Speaker 2: The added layer that we've forgotten, like we've remembered the watch, Chess.

971
00:41:11,480 --> 00:41:14,080
Speaker 2: But he lied about the watch. Oh my god. Actually

972
00:41:14,200 --> 00:41:16,440
Speaker 2: he lied about the cost. He said it wasn't it

973
00:41:16,520 --> 00:41:20,000
Speaker 2: was much much, much less than what it actually costs.

974
00:41:19,640 --> 00:41:21,879
Speaker 6: Which I feel like is not embarrassment. In this case.

975
00:41:21,880 --> 00:41:24,920
Speaker 2: It feels he knows what he's doing, he's taking advantage.

976
00:41:25,280 --> 00:41:27,640
Speaker 5: And this is very telling of other things when someone

977
00:41:27,920 --> 00:41:30,120
Speaker 5: like it's kind of like a symptom of something bigger,

978
00:41:30,239 --> 00:41:33,760
Speaker 5: like lying about the watch, or using your partner's money

979
00:41:33,760 --> 00:41:36,160
Speaker 5: to not using but like, if your partner's paying for

980
00:41:36,200 --> 00:41:38,600
Speaker 5: something you can probably afford to chip in, maybe you're

981
00:41:38,640 --> 00:41:39,160
Speaker 5: not doing that.

982
00:41:39,200 --> 00:41:40,480
Speaker 4: It's symptomatic of a.

983
00:41:40,480 --> 00:41:43,960
Speaker 5: Bigger issue, which is maybe you're a bit manipulative, maybe

984
00:41:44,640 --> 00:41:46,080
Speaker 5: all these other things Like it could.

985
00:41:45,960 --> 00:41:49,000
Speaker 2: Be really blatantly disrespectful, yeah, and I mean it could

986
00:41:49,000 --> 00:41:49,480
Speaker 2: be harmless.

987
00:41:49,520 --> 00:41:52,680
Speaker 5: It could be like, oh, they actually couldn't afford XYZ

988
00:41:52,760 --> 00:41:53,879
Speaker 5: for whatever reason.

989
00:41:53,800 --> 00:41:55,520
Speaker 2: But it doesn't mean you need a Rolex.

990
00:41:55,719 --> 00:41:57,840
Speaker 4: Might also be something really sinister, do you know what

991
00:41:57,880 --> 00:41:58,200
Speaker 4: I mean?

992
00:41:58,440 --> 00:42:00,880
Speaker 6: Yeah, I don't like it at all. What did everybody

993
00:42:00,880 --> 00:42:01,480
Speaker 6: else have to say?

994
00:42:01,520 --> 00:42:04,440
Speaker 2: We obviously took this to the community, as we always do,

995
00:42:04,920 --> 00:42:07,920
Speaker 2: So here are some of the responses. This one blew up.

996
00:42:07,960 --> 00:42:12,400
Speaker 2: We got hundred truths over Flieres. First person said, demand

997
00:42:12,400 --> 00:42:14,799
Speaker 2: a payback of at least what the watch costs as

998
00:42:14,880 --> 00:42:18,320
Speaker 2: you walk out the door. Catch up. Yes, someone said,

999
00:42:18,480 --> 00:42:21,040
Speaker 2: just stop giving him money and are you willing to

1000
00:42:21,080 --> 00:42:25,520
Speaker 2: deal with this situation forever? Yeah, run for the hills.

1001
00:42:25,600 --> 00:42:28,080
Speaker 2: It's a big red flag red flag emoji. He is

1002
00:42:28,160 --> 00:42:31,759
Speaker 2: living well above his means hashtag financial manipulation.

1003
00:42:32,239 --> 00:42:34,640
Speaker 6: Yeah, I just I would love to know where his

1004
00:42:34,800 --> 00:42:38,640
Speaker 6: money is going. Yeah, like, I just, I can't comprehend

1005
00:42:38,760 --> 00:42:41,560
Speaker 6: out earning someone by that much and them having money

1006
00:42:41,640 --> 00:42:42,520
Speaker 6: left over and you not.

1007
00:42:43,520 --> 00:42:47,640
Speaker 2: Someone said dump is asked, he's using you for your money, girl.

1008
00:42:48,120 --> 00:42:50,880
Speaker 2: Someone else said this is my favorite one. Think of

1009
00:42:50,920 --> 00:42:52,879
Speaker 2: all of that money that you just spent on him

1010
00:42:52,880 --> 00:42:54,920
Speaker 2: as an investment in finding out that he's a red flag.

1011
00:42:56,719 --> 00:42:57,399
Speaker 6: That's so true.

1012
00:42:58,000 --> 00:43:00,160
Speaker 2: Some really simple ones that came up a lot. You

1013
00:43:00,200 --> 00:43:01,600
Speaker 2: need to talk to him about this.

1014
00:43:02,160 --> 00:43:03,000
Speaker 6: You can't leave it.

1015
00:43:03,040 --> 00:43:05,000
Speaker 2: I think is really good. Like we can give advice,

1016
00:43:05,080 --> 00:43:06,719
Speaker 2: we can talk about it and what we would do,

1017
00:43:06,840 --> 00:43:10,840
Speaker 2: but ultimately good relationships are built on really good communication.

1018
00:43:11,080 --> 00:43:13,560
Speaker 2: And if you can't sit down and be like, hey, mate,

1019
00:43:13,680 --> 00:43:17,480
Speaker 2: what's going on with this. I'm feeling really disrespected. To me,

1020
00:43:17,600 --> 00:43:20,440
Speaker 2: that's another red flag that the relationship you're in is

1021
00:43:20,480 --> 00:43:23,799
Speaker 2: not a good one. Obviously, lots of people will like

1022
00:43:24,000 --> 00:43:28,120
Speaker 2: immediately break up, immediately leave him. Someone suggested ghost him

1023
00:43:28,200 --> 00:43:36,000
Speaker 2: and let him work out why that's so nasty. Then

1024
00:43:36,520 --> 00:43:41,400
Speaker 2: someone else has said, popcorn emoji eyes emoji, popcorn emoji

1025
00:43:41,440 --> 00:43:44,919
Speaker 2: eyes emoji. Send him a screenshot of the watch while

1026
00:43:44,920 --> 00:43:47,040
Speaker 2: you're sitting on the couch together with the price tag

1027
00:43:47,120 --> 00:43:49,280
Speaker 2: with no context, and just see how we react.

1028
00:43:49,400 --> 00:43:52,600
Speaker 6: Yes, there are some toxic people.

1029
00:43:55,239 --> 00:43:59,600
Speaker 2: You guys are psycho well, but lots of people were

1030
00:43:59,600 --> 00:44:02,319
Speaker 2: saying genuinely leave him. I feel like this could turn

1031
00:44:02,320 --> 00:44:06,120
Speaker 2: into quite scary financial abuse quite quickly leave him. I

1032
00:44:06,160 --> 00:44:08,960
Speaker 2: was in this situation for multiple years and it doesn't

1033
00:44:09,080 --> 00:44:12,439
Speaker 2: to get better. So I think having these conversations again,

1034
00:44:12,480 --> 00:44:14,400
Speaker 2: it just goes back to communication, like why are you

1035
00:44:14,440 --> 00:44:17,080
Speaker 2: doing this, mate, because it could be a sign of

1036
00:44:17,080 --> 00:44:21,120
Speaker 2: a bigger problem. You don't know, maybe, like being really dramatic,

1037
00:44:21,280 --> 00:44:23,239
Speaker 2: maybe he has a gambling addiction. That's why he never

1038
00:44:23,280 --> 00:44:26,439
Speaker 2: has any money because he's got this issue. Came into

1039
00:44:26,480 --> 00:44:28,600
Speaker 2: a lot of money one time and bought himself a watch,

1040
00:44:28,640 --> 00:44:31,680
Speaker 2: and he just didn't think about the circumstances he's in

1041
00:44:31,960 --> 00:44:34,080
Speaker 2: because he is in the midst of addiction and that

1042
00:44:34,160 --> 00:44:37,279
Speaker 2: needs to be dealt with. So I think approaching it

1043
00:44:37,360 --> 00:44:41,760
Speaker 2: with kindness always, because there is nothing wrong with always

1044
00:44:41,840 --> 00:44:44,799
Speaker 2: being the kinder person in this circumstance, even if you're

1045
00:44:44,880 --> 00:44:47,480
Speaker 2: being screwed over, like you can walk away with your

1046
00:44:47,520 --> 00:44:49,839
Speaker 2: head held high, like no, I always did the right thing.

1047
00:44:49,920 --> 00:44:53,360
Speaker 2: I tried to communicate I was the better person always.

1048
00:44:53,440 --> 00:44:56,040
Speaker 2: I think, to me is the best way to approach it.

1049
00:44:56,480 --> 00:44:59,239
Speaker 2: But yeah, my summary of this is talk to him,

1050
00:44:59,360 --> 00:45:01,280
Speaker 2: because this is a little bit cooked.

1051
00:45:01,560 --> 00:45:04,920
Speaker 6: I feel like, as well, maybe just for your own reference,

1052
00:45:05,040 --> 00:45:07,640
Speaker 6: going back and having a look at how much money

1053
00:45:07,680 --> 00:45:10,200
Speaker 6: you have given him might be helpful, because I think

1054
00:45:10,239 --> 00:45:12,680
Speaker 6: as well, when you're in a partnership, you often kind

1055
00:45:12,680 --> 00:45:13,839
Speaker 6: of go, oh, it'll all come out in the wash,

1056
00:45:13,880 --> 00:45:15,279
Speaker 6: like you've paid for take out this week, I'll pay

1057
00:45:15,320 --> 00:45:17,600
Speaker 6: for take out next week, or you know, you don't

1058
00:45:17,640 --> 00:45:20,439
Speaker 6: really keep track of things because it's not a game

1059
00:45:20,480 --> 00:45:23,000
Speaker 6: that you need to keep scoring. And I feel like

1060
00:45:23,120 --> 00:45:26,359
Speaker 6: it sounds like potentially she's spent a lot of money

1061
00:45:26,480 --> 00:45:29,200
Speaker 6: or lent a lot of money to her partner, and

1062
00:45:29,239 --> 00:45:32,279
Speaker 6: it might also be just very helpful firstly for your

1063
00:45:32,320 --> 00:45:34,279
Speaker 6: point of reference to see where that money is going,

1064
00:45:34,320 --> 00:45:37,000
Speaker 6: but also for him, like if there is something bigger

1065
00:45:37,040 --> 00:45:39,880
Speaker 6: going on, maybe he's not keeping up or paying attention

1066
00:45:39,960 --> 00:45:42,160
Speaker 6: to how much you're helping him. And if you say, babe,

1067
00:45:42,200 --> 00:45:44,239
Speaker 6: like over the past six months, I've given you ten

1068
00:45:44,320 --> 00:45:46,000
Speaker 6: thousand dollars or five thousand dollars or.

1069
00:45:45,960 --> 00:45:47,520
Speaker 2: Even yeah, and you've gone and spent way more than

1070
00:45:47,520 --> 00:45:50,080
Speaker 2: that on a watch, it just feels really disrespectful.

1071
00:45:50,239 --> 00:45:50,520
Speaker 8: Yeah.

1072
00:45:50,600 --> 00:45:53,279
Speaker 6: I think maybe even just kind of presenting things like that,

1073
00:45:53,520 --> 00:45:57,000
Speaker 6: if he is blissfully unaware and just has no financial

1074
00:45:57,000 --> 00:45:59,520
Speaker 6: literacy and it's just living his life without really thinking

1075
00:45:59,520 --> 00:46:01,759
Speaker 6: about you, maybe that will kind of make and go,

1076
00:46:01,880 --> 00:46:04,400
Speaker 6: oh my god, like I didn't realize sure that you

1077
00:46:04,520 --> 00:46:07,400
Speaker 6: picking up the tab every so often was putting you

1078
00:46:07,480 --> 00:46:08,600
Speaker 6: out so significantly.

1079
00:46:08,760 --> 00:46:10,759
Speaker 2: Yeah, that's a really nice way to put it as well.

1080
00:46:10,880 --> 00:46:13,120
Speaker 2: All Right, Well, unfortunately, guys, I think that is all

1081
00:46:13,160 --> 00:46:16,480
Speaker 2: we have time for today. Thanks for another great Friday, EF.

1082
00:46:16,760 --> 00:46:19,759
Speaker 2: I'm really excited about this one next week. Yes time

1083
00:46:19,840 --> 00:46:22,080
Speaker 2: next week, we'll see you on Until then, have a

1084
00:46:22,120 --> 00:46:24,799
Speaker 2: beautiful weekend and we'll see you Bright nearly for our money,

1085
00:46:24,880 --> 00:46:34,360
Speaker 2: Direy love you guys, buy us I. The advice shared

1086
00:46:34,400 --> 00:46:36,799
Speaker 2: on She's on the Money is general in nature and

1087
00:46:36,840 --> 00:46:40,480
Speaker 2: does not consider your individual circumstances. She's on the Money

1088
00:46:40,600 --> 00:46:44,120
Speaker 2: exists purely for educational purposes and should not be relied

1089
00:46:44,200 --> 00:46:47,279
Speaker 2: upon to make an investment or financial decision. If you

1090
00:46:47,400 --> 00:46:50,120
Speaker 2: do choose to buy a financial product, read the PDS

1091
00:46:50,200 --> 00:46:54,200
Speaker 2: TMD and obtain appropriate financial advice tailored towards your needs.

1092
00:46:54,560 --> 00:46:58,480
Speaker 8: Victoria Divine and She's on the Money are authorized representatives

1093
00:46:58,560 --> 00:47:00,640
Speaker 8: of Money Showpa pty lt D.

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00:47:00,840 --> 00:47:03,640
Speaker 2: A b N three two one six four nine two

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00:47:03,680 --> 00:47:06,600
Speaker 2: seven seven zero eight a F s L four five

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Speaker 2: one two eight nine