Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 2: Hello, and welcome to She's on the Money the podcast
Speaker 2: Millennials who want financial freedom. Today, my friends, it's no
Speaker 2: surprise it is Friday again, which means it is time
Speaker 2: to get my little team together and celebrate you our
Speaker 2: incredible She's on the Money community today. Miss just gotta
Speaker 2: each sheet. You've got a few money wins to share,
Speaker 2: which you're a bit excited about. Beck has some very
Speaker 2: good broke tips and I have an addition to the
Speaker 2: broke tips which Beck saw me in the hallway earlier
Speaker 2: because we started recording and she said, that's a broke
Speaker 2: tip for the show, and I said, let's do it,
Speaker 2: no worries. We're going to be helping answer a money dilemma,
Speaker 2: which this week is all about buying your first home
Speaker 2: and whether it should be a home for your future
Speaker 2: or one for your current situation, which I think is
Speaker 2: really good to discuss. That's a good question.
Speaker 4: Oh, he's a good question.
Speaker 2: I think it's going to be good. And then we're
Speaker 2: going to be unpacking something that you slid into our
Speaker 2: DMS about this week, we're talking about a partner who
Speaker 2: lies about his finances. I love when they're really juicy.
Speaker 2: Oh is that bad that I'm literally here for the drummer?
Speaker 4: No, I think we all are to some extent.
Speaker 2: My favorite thing about like, I don't love like gossip.
Speaker 2: I don't like celebrity gossip. I don't particularly care for it.
Speaker 2: You know what I love anonymous gossip. Did you hear
Speaker 2: that one person's boyfriend one time lied about ea swinances
Speaker 2: tell me, yeah, we just want the tea. Like, I'm
Speaker 2: here for the gossip. But like anonymous gossip is fine,
Speaker 2: Like I feel like that's that's kosher, you know.
Speaker 4: Totally weird it's not weird, but you know then that's
Speaker 4: good of you. I like every bit of gossip anywhere, anytime.
Speaker 2: I just don't want to know stuff about people. I
Speaker 2: know that's awkward.
Speaker 4: Oh that's better my books.
Speaker 2: But I just want it to be completely anonymous, Like
Speaker 2: slide into my dms, tell me about your cheating partner
Speaker 2: that happened five years ago. And I can't determine who
Speaker 2: it was or where it was, sure, but I want
Speaker 2: the juicy goss, you know.
Speaker 5: Yeah, I like that.
Speaker 2: It's like reading Reddit threads, like I don't know you,
Speaker 2: but I live vicariously through you. Yes, Like I don't
Speaker 2: want any drama in my life, but I want you
Speaker 2: to have drama so I can read it. That's terrible
Speaker 2: of me. Anyway, Let's move on. I want to know
Speaker 2: how have your weeks been, Miss jesse garci H. It's
Speaker 2: been good.
Speaker 5: It's been Christmas week in our house. I've been decorating,
Speaker 5: loving my lind Or. It's November and somebody who replied
Speaker 5: to what to buy tiktoks and said, bitch, it's November,
Speaker 5: and I was like, did I stutter? Halloween's done? That
Speaker 5: means it's officially Christmas exactly exactly.
Speaker 4: I stutter. I love this version of you.
Speaker 2: I like the SaaS. I appreciate it. I went Pottery
Speaker 2: Bun on the weekend because Jess, what's at pottery Bun
Speaker 2: gingerbread mugs and also gingerbread men and women shaped cushions,
Speaker 2: and so I bought obviously all of the above course,
Speaker 2: and I was talking to the girl at checkout and
Speaker 2: I was like, ha ha haa so early, like I'm
Speaker 2: buying this in November. I can't believe it. And she
Speaker 2: was like, oh, this is actually our second drop of
Speaker 2: Christmas stark, and we've nearly sold out, like I got
Speaker 2: I think there were four maybe cushions left, and I
Speaker 2: bought two of them, and she's like, we're not getting
Speaker 2: any more. So she's like, I think it's fair to
Speaker 2: say that Christmas is now officially starting in November, and
Speaker 2: I said she didn't know who this was. I was like, oh,
Speaker 2: Jess is gonna love this, and she was like, yeah, cool,
Speaker 2: stud total comes to you. That's really good. How's your
Speaker 2: week being back?
Speaker 4: Really really chill nice. The weather's been kind of lovely,
Speaker 4: not like every day of the week, but I would
Speaker 4: say if it's more than fifty percent lovely. It's a
Speaker 4: good week. Classic Melbourne. Hey, classic Melbourne. Yeah, I'm just
Speaker 4: just my buckets are full, you know. I've been seeing
Speaker 4: people and going out and sometimes going to the gym
Speaker 4: and just yeah, just overall, really really nice week.
Speaker 2: Just live in your best life.
Speaker 4: Yeah, live in my best What about you?
Speaker 2: I like it? Nothing too interesting, just being pregnant. Really,
Speaker 2: I feel like I've now gotten to that stage where
Speaker 2: I am, what twenty five ish weeks pregnant now, and
Speaker 2: I just feel like everything's a little bit harder, everything's
Speaker 2: a little bit more sluggish. I definitely have less lung capacity.
Speaker 2: I always used to be like, I'm gonna be one
Speaker 2: of those fit pregnant women you are. I haven't been
Speaker 2: to pilates once since since getting pregnant.
Speaker 5: Okay, I have seen you power walk through the airport,
Speaker 5: and as a non pregnant person, I struggled to keep up.
Speaker 2: Going For me, and you know what, like the only
Speaker 2: flex I have, and this will come up in our
Speaker 2: broke Tips is I'm still wearing the jeans that I
Speaker 2: was wearing pre pregnancy. But also like it just makes
Speaker 2: me feel a little bit better about myself. So this
Speaker 2: morning I popped on my jeans and I was like,
Speaker 2: life's not that bad. Like I might feel a bit
Speaker 2: roly poly, but if I can fit in these, I'm
Speaker 2: doing all right.
Speaker 4: It's not too bad, not too bad. And that is
Speaker 4: we'll get to why that's the funniest thing personally I've
Speaker 4: ever heard, because it was really funny. It takes for
Speaker 4: you to fit into those jeans now.
Speaker 2: And so I'm some ninja stuff, some ninja stuff, But
Speaker 2: let's jump into money wins and confessions.
Speaker 5: This week.
Speaker 2: There has been some really fun money wins in our community.
Speaker 2: I've again been in the messages before Jess could get
Speaker 2: to them to round up her favorites. But Jess, I
Speaker 2: want to know what have you singled out to share
Speaker 2: on the pod this week.
Speaker 5: My first money in this week comes from Holly, who
Speaker 5: said I finally faced my demons aka the incredibly lovely
Speaker 5: gym staff and went to cancel my membership.
Speaker 2: Oh that's scary.
Speaker 5: And then I bought a season ticket for the pool.
Speaker 5: It's so much cheaper than the gym, even when I
Speaker 5: look at the you know, with the weekly, monthly whatever breakdown,
Speaker 5: and I love swimming so much more so it's definitely
Speaker 5: going to be worth it for me. I've already been
Speaker 5: swimming two days in a row. Money win, mental health win,
Speaker 5: and happiness win.
Speaker 2: That's actually really cute, too, really sweet.
Speaker 5: It made me think of the time that you made
Speaker 5: me call your gym to cancel because you were too scared.
Speaker 2: I just don't tell the entire world that I did that.
Speaker 1: But I.
Speaker 6: Don't know why.
Speaker 5: Don't blame you.
Speaker 2: It is scared every time I letting them down.
Speaker 4: Yeah, it's like, hey, I'm never going to go to
Speaker 4: the gym ever again, so can I please cancel this.
Speaker 4: It's like a bit of a I.
Speaker 2: Couldn't do it, and then Jes did it. And then
Speaker 2: it was a bit awkward because then the girl was like, oh,
Speaker 2: you don't sound like Victoria's I was like, of course,
Speaker 2: you know she's on the money list. Now this is
Speaker 2: so awkward anyway, hilarious. It all came out in the
Speaker 2: wash that it was actually just canceling. She didn't know
Speaker 2: before she will know how absolutely, Jim, Bye, What else
Speaker 2: have you got for us?
Speaker 5: Jess? Next, I've got to win from Mahalia who said
Speaker 5: I needed to finish an entire house and my budget
Speaker 5: was tiny. I hundred our Marketplace. All weekend, I did
Speaker 5: some driving and I got two beds, two mattresses, a
Speaker 5: washing machine, and a fridge for three hundred bucks, all
Speaker 5: in great condition. Love Marketplace.
Speaker 2: Excuse me, that's genius.
Speaker 5: That is very impressive.
Speaker 2: That's very very cool.
Speaker 5: This next one I have comes from a Leasha, and
Speaker 5: I feel like it's very timely given I just paid
Speaker 5: two dollars twenty for petrol, she said. I used the
Speaker 5: seven eleven app to lock in the cheapest fuel price.
Speaker 5: For half a tank of fuel. It would have cost
Speaker 5: me a little over one hundred bucks, but it ended
Speaker 5: up being just over eighty instead.
Speaker 4: Oh cool.
Speaker 2: You know people have started sending me screenshots of their
Speaker 2: seven to eleven lock and Sam app and they're like,
Speaker 2: save seventeen dollars this week because of you saved twenty
Speaker 2: eight dollars. And I'm like, that's actually a lot of money.
Speaker 5: Well, imagine every time you fill up your car, if
Speaker 5: you say fifteen to twenty bucks, that's a lot over
Speaker 5: the course of like a couple of months.
Speaker 2: She's seven eleven. Well, I do have really good donuts,
Speaker 2: you do really good slurpees, and you also save us
Speaker 2: money on fuel. County.
Speaker 5: Love the Van. I have another car win from Carla,
Speaker 5: who says I'm about to pay off my car loan
Speaker 5: two years ahead of schedule.
Speaker 2: Two right now, right now, right now.
Speaker 5: Money loss, but a money win in terms of interest
Speaker 5: saved and being able to refinance next year. Unfortunately it's
Speaker 5: a necessity because I don't live anywhere with public transport
Speaker 5: or accessibility. I'm paying it off after just four months
Speaker 5: of aggressive saving and working hard.
Speaker 4: Ooh, this is incredible.
Speaker 2: That is incredible. Hi Carla, if you'd like to come
Speaker 2: on the shelves and money Darrist, we actually need to
Speaker 2: know how you did that. Thank you.
Speaker 5: Crazy but loved it. She took a loan and she
Speaker 5: was just like, I can do faster. I love that
Speaker 5: and she did cool.
Speaker 2: What a genius I know.
Speaker 5: And I have one more that I feel like a
Speaker 5: lot of people really enjoy it from our friend Shannon,
Speaker 5: who said, I discovered Spotify includes audio books, so I'm
Speaker 5: going to cancel my Audible subscription. I new Spotify instead.
Speaker 2: Hundreds of thousands of books that you can listen to
Speaker 2: for free. Like not for free, you have to have
Speaker 2: the subscription. But I feel like these days most people
Speaker 2: are paying for Spotify. Yeah, I agree through Spotify. They're
Speaker 2: just included.
Speaker 5: Ah and if you are happening to listen on your
Speaker 5: Spotify app to and you'll give a recommendation of a book,
Speaker 5: May I suggest three Beautiful pastor Colory Ones, Oh, She's
Speaker 5: on the Money, Property with She's on the Money, and
Speaker 5: investing with She's on the Money.
Speaker 4: I Love.
Speaker 5: They're all available through Spotify, All available through Spotify, all
Speaker 5: narrated by our very own VD.
Speaker 2: I did that, I did that?
Speaker 4: You sure did that is really cool?
Speaker 2: How long did that take you? Oh? Honestly weeks. It's
Speaker 2: actually crazy narrating a book because they make you read
Speaker 2: it out and it's nothing like podcasting. Yeh. So I
Speaker 2: went in blindly. I was like, I'm gonna be so
Speaker 2: good at this. I'm fine in front of a microphone
Speaker 2: these days. Obviously that took training. However, it is nothing
Speaker 2: like sitting in front of the podcasting mic because if
Speaker 2: you mess up while you're saying a sentence, they're like, oh, yep,
Speaker 2: could you just take that from the top. You have
Speaker 2: to take it from the top. And if you're reading
Speaker 2: your book and you like have an intonation that, they're like, oh,
Speaker 2: you were meant to say a instead of that like okay,
Speaker 2: no worries, like does it really matter? Yeah, it really matters.
Speaker 2: They make her go back and do it again. And
Speaker 2: then sometimes when you're reading your own book, you're like,
Speaker 2: why did I say that? Yeah? That was stupid. I've
Speaker 2: got a better example, like why didn't I put this?
Speaker 2: And it's kind of it's like when you finally read
Speaker 2: out your work aloud, like I cannot tell you how
Speaker 2: many times I have read my own books, just like
Speaker 2: fact checking and proofreading, and my publisher has gone through it,
Speaker 2: and unfortunately, poor Jessicricci has had to go through them
Speaker 2: so many times because I'm like, can you just check?
Speaker 2: Like I just I'm so anxious about these things, right,
Speaker 2: So the entire team has gone through it. It comes
Speaker 2: out the other side we're like amazing, manuscripts done, dusted,
Speaker 2: go into recording, and I'm like, this is the worst
Speaker 2: book I've ever read, so bad.
Speaker 5: But they got some money in for someone who's been
Speaker 5: wunning even the new books on there. Probably the sharesing
Speaker 5: the money.
Speaker 2: That's three books.
Speaker 4: Ye true?
Speaker 2: That technical, I mean technically incorrect, but like I have
Speaker 2: a Spotify membership, I could get my own book for free.
Speaker 4: May as well.
Speaker 2: I can learn so much. All right, let's move in
Speaker 2: because that's a pretty good broke tip. Actually, free books
Speaker 2: is a good broke tip. But what have you got
Speaker 2: to bring to the table this week?
Speaker 6: Beck?
Speaker 4: Okay? So as Per, I have two community tips and
Speaker 4: one of my own. Start off with one from Bronnie,
Speaker 4: who says, Hi, Beck, I've got a brog tip for
Speaker 4: the podcast. So cutting the top off of delivery boxes
Speaker 4: so you can use them as storage cubes. She's recently
Speaker 4: moved house and wanted to buy little storage cubes of
Speaker 4: my Kia, but have found that using boxes of their
Speaker 4: mail deliveries works just as well to store little nick
Speaker 4: knacks and bathroom items, et cetera.
Speaker 2: So smart, it makes you feel so much more organized.
Speaker 4: Yes, yes, I'm genuinely actually going to do this.
Speaker 2: It's a pippy bit on boxes annoy me. So if
Speaker 2: you're telling me, just cut them off, cut them off
Speaker 2: and now the box has another use.
Speaker 4: And then when it comes to moving, if you move again,
Speaker 4: I would go and like go to Buddings whatever, try
Speaker 4: and buy or office works. You can buy those boxes.
Speaker 4: You don't have to do that because you've got these
Speaker 4: boxes here. I know they don't have tops anymore. We
Speaker 4: can about it.
Speaker 2: We don't need it. We just need something to transport
Speaker 2: our stuff.
Speaker 4: Yeah, we just need vessels.
Speaker 2: That's very reduced reuse. Recycle.
Speaker 4: I love I love it, recycle.
Speaker 2: What else have you got?
Speaker 4: The next one comes from Debbie, who says that throughout
Speaker 4: the year, this is kind of similar to what our
Speaker 4: producer indeed in the family does as well. So she
Speaker 4: tries to stock up on like you know, like let's
Speaker 4: say you go to woll Ways and the Rafaelo's or
Speaker 4: the parro Shares like on special, just like buy like
Speaker 4: chocolate boxes, boxes of chocolates, like throughout the year when
Speaker 4: they're on special. So end of year when it comes
Speaker 4: to Christmas time and you're like, you've got to buy
Speaker 4: like little things for I don't know, colleagues and.
Speaker 2: The random present if forgot to pick up before going
Speaker 2: to someone's house.
Speaker 4: So exactly exactly, parents, et cetera. You have all a
Speaker 4: little gift cupboard with boxes of chocolates, maybe other little
Speaker 4: knickknacks if you have capacity, if you want to. And
Speaker 4: then that way, when it comes to Christmas time, you're
Speaker 4: not completely overloaded with the things that seem small, but
Speaker 4: like ten doll boxes of chocolates for everyone. You know,
Speaker 4: that's a lot of money. Yeah, it adds up a lot.
Speaker 2: But also I love that idea in theory. Fantastic money win.
Speaker 2: You put a box of Rafaelo's in my house and
Speaker 2: tell me they're there. You want them to stay there,
Speaker 2: don't tell me they're they're true, like you just would
Speaker 2: at work.
Speaker 6: That's true.
Speaker 5: You never buy those chocolates for yourself. Like Ferrero's are
Speaker 5: my favorite chocolate, but there's this mental block for me.
Speaker 5: You get them as a gift. Oh my, I can't
Speaker 5: go to CS and buy myself a box of Ferrero's
Speaker 5: like someone's gonna give them tree for like Valentine's Day
Speaker 5: or my birthday or whatever.
Speaker 6: Yeah.
Speaker 2: No, you can't buy that chocolate for yourself.
Speaker 4: I had never thought about that before. Imagine you would
Speaker 4: never buy yourself like one of the movies is like
Speaker 4: you get like the Little even though you don't really
Speaker 4: want them to yet the m and ms. You'd rather
Speaker 4: have packet of Ferrero share box of that. But it
Speaker 4: costs the same, right, Yeah, like cost roughly the same.
Speaker 2: You know, that's so funny.
Speaker 4: I never thought about that before. It's so true.
Speaker 5: Though, and so I feel like people go, oh, I
Speaker 5: feel like it's impersonal. No, I want the box of
Speaker 5: chop yeah, give me the chocolate always on chocolates.
Speaker 2: I want to do a thread in our Facebook group
Speaker 2: of stuff you would never buy for yourself, so like
Speaker 2: we're not talking about like obviously, I would never buy
Speaker 2: myself an Ermez handbag because it's thirty thousand dollars. Like, no,
Speaker 2: that's unrelatable, but like I'm the same as you, ess
Speaker 2: I would never buy like fancy boxed chocolates for myself.
Speaker 4: It is a gift.
Speaker 2: Yes, what else exists?
Speaker 5: We need to know you hate spending money on that
Speaker 5: you would love, like an Uber gift card. No one
Speaker 5: likes paying for ubers. But if you have a gift card,
Speaker 5: he eats.
Speaker 2: Gift cards cards like I know that.
Speaker 5: I think there's a bit of a stigma or pressure
Speaker 5: sometimes to be super creative and like as a gift giver,
Speaker 5: like it's one of my love languages. Yes, I completely agree.
Speaker 5: It is really fun and exciting finding the perfect present,
Speaker 5: but sometimes you know what a basket with like some
Speaker 5: Laudry detergent and some dishwasher tablets.
Speaker 2: In this economy, in this economy thrilled. That's true.
Speaker 4: That's true.
Speaker 2: One of my go to housewarming gifts is like a
Speaker 2: nice basket that can be used as like a pot
Speaker 2: or something. And then I buy a fancy dried pasta
Speaker 2: because like, you're not gonna buy the fancy dry pasta yourself,
Speaker 2: are you?
Speaker 5: Yad?
Speaker 1: Like?
Speaker 2: Like I am getting Cole's or Wooly's brand pasta. End
Speaker 2: of story. That's how it's gonna work. So fancy dried pasta,
Speaker 2: and then like a pre made pasta sauce, the fancy
Speaker 2: one that you wouldn't buy, I buy the regular Etto
Speaker 2: brand two yours fifty a jar. Don't think it's ever
Speaker 2: increased before. It's always on the bottom shelf because no
Speaker 2: one buys it. It's obviously not like the important one,
Speaker 2: but it works for me. Ten out of ten will
Speaker 2: not buy anything else. Don't put that in my basket, though,
Speaker 2: I'm buying when you like the nine dollars jar of
Speaker 2: pasta sauce. And then like a brick of like parmesan
Speaker 2: or something nice. Great housewarming gift, but I just made
Speaker 2: you dinner, YEA true genius? Yeah?
Speaker 4: I love that. What's your tip?
Speaker 3: Okay?
Speaker 4: So my broke tip for this week. And this is
Speaker 4: something I completely forgot about until the other day because
Speaker 4: obviously it is end of pay cycle, so.
Speaker 2: You know you just got too much month left at
Speaker 2: the end of your money.
Speaker 4: Exactly, yeah, exactly. So the other day I made dinner
Speaker 4: and I made deb mashed potato.
Speaker 6: So what this is?
Speaker 1: Like?
Speaker 4: You know that powdered mashed potato?
Speaker 5: Okay, no I did. I was like, what is it?
Speaker 5: Dev mashed potato?
Speaker 2: I don't know. It's like awdao in the canned section.
Speaker 4: Anyway, So this is two dollars and ten cents. You
Speaker 4: can feed your whole family with this. You just literally
Speaker 4: need did make with it?
Speaker 2: Did you just make a bowl of mashed potato and
Speaker 2: go bond apple teeth because it's filling?
Speaker 1: No?
Speaker 4: I did put some baby peas in there, which is like,
Speaker 4: let's not worry about that because you put in potato
Speaker 4: and called that a meal.
Speaker 3: Beck.
Speaker 2: Yeah, sometimes you.
Speaker 4: Gotta do what.
Speaker 5: You gotta double and squeak.
Speaker 2: It's bubble and squeak exactly.
Speaker 5: It's just a little bit want.
Speaker 4: But I have found that with any kind of like
Speaker 4: let's say rice, I used to like really get in
Speaker 4: there and wash it. And like make it all fluffy.
Speaker 4: But if I just like add heaps of water and
Speaker 4: it's like the volume of it is just so it's
Speaker 4: like sticky rice. It's like really sludgy whatever doesn't matter,
Speaker 4: but it's so much more filling. Same with like dead
Speaker 4: mashed potato. Selling me on the sludge anything that no,
Speaker 4: but it's actually is delicious. I am really good at
Speaker 4: one thing in this life, and it is cooking rice.
Speaker 4: Well in my family known for being able to pull
Speaker 4: off really good rice, which and ask me how I'll
Speaker 4: do it, because.
Speaker 2: Apparently on TikTok it's really political how you cook rice.
Speaker 2: But I've got it down. It's like it's fluffy. If
Speaker 2: you give me gluggy rice, I'm going home back. But
Speaker 2: and this is a thing that most of the past cycle,
Speaker 2: I'm having fluffy rice. At the end of the paste cycle,
Speaker 2: I'm just trying to fill myself up. Yeah, I'm making
Speaker 2: gluggy rice. I'm making dead mashed potato.
Speaker 4: Anyway, So my broke tip for this week is buy
Speaker 4: dead mashed potato instead of regular potato because it tastes
Speaker 4: just as good it is powdered potato. Two ten cents
Speaker 4: will feed nearly a whole family. I would say, all
Speaker 4: you need is hot water.
Speaker 5: That is literally all you need, and then if you
Speaker 5: want to be fancy, you can put like some butter
Speaker 5: or some garlic totally. You know, if you have like
Speaker 5: a rosemary, bushes grow like crazy, So if you know
Speaker 5: a neighbor or if there's none, you'll park. I feel
Speaker 5: like a bit of rosemary and the mashed potatoes would
Speaker 5: be deleted.
Speaker 2: Yeah, I've already told you guys that you absolutely should
Speaker 2: be like liberating is what we call it, Jess, like
Speaker 2: we do herbs that you see in people's like front gardens. Yeah,
Speaker 2: it's reachable from the street. It is free game.
Speaker 5: Agreed. They're probably happy for the free gardening service.
Speaker 1: I agree.
Speaker 2: I agree. The other thing I would say to upgrade
Speaker 2: that beck is while you are, you know, at the
Speaker 2: start of the month where you have a little bit
Speaker 2: more cash, add one of those just Coal's brand tins
Speaker 2: of gravy to your like, to your mix. I think
Speaker 2: they're like two dollars and ten cents ish for the
Speaker 2: Coals brand one. I don't think there's a difference between brands,
Speaker 2: like they they're all the same, because then you could
Speaker 2: just have some gravy over the top of your mashed potato.
Speaker 2: And that's elite.
Speaker 4: That is a potato and gravy.
Speaker 2: Yeah, and it's so cheap. It's like two dollars a tin. Yeah,
Speaker 2: but like the tin, you just need a tea spoon
Speaker 2: of it to make the amount of gravy that you'd need.
Speaker 2: So that's gonna last ages.
Speaker 1: I love that.
Speaker 4: That's such a good idea. Thank you for snack.
Speaker 2: Do you want to get mashed potato after this?
Speaker 1: Yeah?
Speaker 4: It's day KFC. Oh, I've never had anyone who's that
Speaker 4: organically before. That was amazing. That was amazing. We have tip,
Speaker 4: good broad tip. So I guess the if you don't mind,
Speaker 4: Oh yeah, I think. I mean, I've never been pregnant,
Speaker 4: but I assume that maybe part of pregnancy is, you know,
Speaker 4: maybe having to buy like maternity clothes and.
Speaker 5: Things like that.
Speaker 2: You can't stop, won't stop not happening.
Speaker 4: You have found a workaround.
Speaker 2: I feel like if you've been pregnant before, you're gonna
Speaker 2: be like v This is not a tip.
Speaker 4: This is desperation hanging on by thread literally right.
Speaker 2: Literally, so my genes I can still get them on.
Speaker 2: As I said before, I don't think that's gonna last
Speaker 2: that much longer, if we're being honest. But I just
Speaker 2: I can't justify all this pregnancy stuff, Like I keep
Speaker 2: being like, what, like I have bought some singlets. So
Speaker 2: I've bought these maternity singlets. They have the like little
Speaker 2: breast feeding clips on them, not that they need them now,
Speaker 2: but I bought them because they're longer, and so I
Speaker 2: bought them, just like Cheapi's from H and M. Spending
Speaker 2: money on this. Like, I cannot tell you how annoying
Speaker 2: pregnancy stuff is to me, because I'm like, I'm gonna
Speaker 2: wear it for less than nine months, Like you're pregnant
Speaker 2: for what nearly ten months, and you're telling me that
Speaker 2: for maybe, like you know, at twelve weeks pregnant, you
Speaker 2: can probably fit in most of your clothes. Obviously first pregnancy,
Speaker 2: everyone's different all of that. But like I was fitting
Speaker 2: in my normal clothes at twelve weeks and maybe all
Speaker 2: the way up to like twenty weeks, eighteen twenty weeks,
Speaker 2: I could still like squeeze into a lot of things.
Speaker 2: I'm now like twenty five weeks. The jeans have almost
Speaker 2: been sacrificed. I can't do them up at all, but
Speaker 2: coming in clutch is a hair tie. I have tied
Speaker 2: it around the belt loop and then flipped it over
Speaker 2: the little metal bit. And we're calling that done up
Speaker 2: jeans with my H and M Singlet I just pull
Speaker 2: that down a little bit lower, chuck on a jumper
Speaker 2: i'd usually wear and call it a day. That is
Speaker 2: my maternity outfit.
Speaker 4: It looks very funny. It does look like it's almost
Speaker 4: about snap. Can we put a photo, Yeah, we'll check.
Speaker 2: A photo after it on Instagram. Look, it's not good.
Speaker 2: It's not something I'm do you know what. Actually it
Speaker 2: is something. I'm proud of.
Speaker 4: Your work.
Speaker 2: I'm not buying new Jeanes. No, I need to happening.
Speaker 2: It's just not happening one out of ten anyway.
Speaker 3: I love that.
Speaker 2: Move on from broke tips. Okay, let's go.
Speaker 3: Let's go.
Speaker 2: Let's go to a really quick break. And on the
Speaker 2: flip side, we're answering a money dilemma, which this week
Speaker 2: is all about buying your first home and whether it
Speaker 2: should be a home for your future or a home
Speaker 2: for your current situation. And then we get to unpack
Speaker 2: something you slid into our DMS about this week, we're
Speaker 2: talking about a partner who lies about their finances, So
Speaker 2: don't go anywhere.
Speaker 5: Welcome back, everybody. Let's take a quick listen to this
Speaker 5: week's money dilemma, shall we hi?
Speaker 2: There? Have you got a money dilemma you just can't solve?
Speaker 2: The Sheese on the Money team is here to help.
Speaker 2: Every week we tackle your dilemmas, both big and small,
Speaker 2: to answer your most burning money, career and life questions.
Speaker 2: To get involved, simply head to our webs and leave
Speaker 2: us a short voice recording and you might just find
Speaker 2: yourself on the show. Now, let's take a listen to
Speaker 2: this week's money dilemma.
Speaker 6: Hey, girls, my partner and I are hopefully going to
Speaker 6: buy a property for the first time next year to
Speaker 6: live in. But my main dilemma is that he thinks
Speaker 6: that we should be buying a three bedroom place whatever.
Speaker 6: Basically that's going to set and forget we're going to
Speaker 6: live there forever. But the problem is we we know
Speaker 6: we can't afford that. We're not in the market to
Speaker 6: do that. We both earn over one hundred thousand dollars
Speaker 6: a year each, but for us to buy basically our
Speaker 6: dream home, we would have to live so far out
Speaker 6: of the city, but also any government incentives we're not
Speaker 6: eligible for. So I need some help. What should we
Speaker 6: be doing for the first home and would we be
Speaker 6: able to sell after a few years and buy something else.
Speaker 2: Oh, this is it's honestly a really good question, you
Speaker 2: said before when I told you at the start of
Speaker 2: the episode, Jess, I was like, Oh, this is what
Speaker 2: our money dilimma is going to be about. And you're like, Oh,
Speaker 2: that's a good question. Why to you is that a
Speaker 2: good question?
Speaker 5: I just I think a lot of the time you
Speaker 5: just go a home is a home, right, Like I
Speaker 5: think when you're thinking about buying a home, sometimes you
Speaker 5: just get caught up in the idea of it and
Speaker 5: you don't necessarily think as in depth about the logistics
Speaker 5: of what your future in the home looks like. Because,
Speaker 5: as our listener has outlined, you know, you could kind
Speaker 5: of just buy the cheapest home you can get. Maybe
Speaker 5: it's not in the best area, maybe it's a bit
Speaker 5: run down, maybe there's you know this, that or the other,
Speaker 5: because you can afford it and it's well within your means,
Speaker 5: and you know at some point you will move on
Speaker 5: from that, and it's just what you can do that's
Speaker 5: easily reachable, or you can go, oh, well, I want
Speaker 5: the biggest, the best, I want all of the nice finishes.
Speaker 5: I want the brand new house. I want to be
Speaker 5: in the best area with the best street, with the
Speaker 5: best neighborhood and the best school and all of those
Speaker 5: things that kind of bump your price up and up
Speaker 5: and up and up and up. Yeah, And I mean
Speaker 5: both of those are very viable options. Like I don't
Speaker 5: think them as any right option for anybody, but I
Speaker 5: just think it's a good question to be thinking about,
Speaker 5: what does my future, Like how long am I going
Speaker 5: to stay here? Because if you only plan on being
Speaker 5: there for a year or two, maybe you do just
Speaker 5: go the kind of more affordable option and you go, oh,
Speaker 5: I can live with whatever for a couple of years,
Speaker 5: save a bit more aggressively, and then move to something
Speaker 5: better later on.
Speaker 4: Obviously I'm probably not the best of person to speak
Speaker 4: on this, but I would think that maybe is there
Speaker 4: like if you buy now, even if it's like not
Speaker 4: your ideal suburb or location or even the house is
Speaker 4: an ideal, just buying that, surely the price will go
Speaker 4: up in a few years. Maybe you make some money there,
Speaker 4: Like I feel like it's maybe not like this isn't
Speaker 4: the right term, but like quick and easy way to
Speaker 4: kind of get like equities at what it's called, yeah,
Speaker 4: and then buying somewhere else more ideal in the future.
Speaker 4: But if you have that, if you start there, then
Speaker 4: like you're not I think right now, if you're like
Speaker 4: you're paying rent, you're paying someone else's mortgage. And then
Speaker 4: if you have the ability to pay your own mortgage
Speaker 4: in a place it's not ideal for you, you're still
Speaker 4: kind of it feels like you're still saving money. Does
Speaker 4: that make sense?
Speaker 2: Yeah, yeah, it totally makes sense. And this is well
Speaker 2: timed because obviously I released property with She's on the
Speaker 2: Money this year, and in that book I talk a
Speaker 2: lot about how your dream home is the home you
Speaker 2: can afford, because I think that given the property market
Speaker 2: has changed so dramatically in the last fifty years. So
Speaker 2: for example, if I take you back to nineteen seventy five,
Speaker 2: the average Australian property cost five four or five times
Speaker 2: the annual salary. Today that costs between thirteen and fifteen
Speaker 2: times your annual salary, and you might go, oh, vib
Speaker 2: but what about inflation? Everything changes If your salary growth
Speaker 2: had kept up, or if salary growth in general had
Speaker 2: kept up, the average salary for every Australian today would
Speaker 2: be one hundred and sixty two thousand dollars. So wage
Speaker 2: growth has not kept up with property growth, because if
Speaker 2: wage growth was that, it'd be one hundred and sixty
Speaker 2: two thousand dollars, but it's not. The average salary here
Speaker 2: in Australia today is sixty five thousand dollars. So we
Speaker 2: are at a significant disadvantage when it comes to getting
Speaker 2: into the property market. Irrespective of interest rates, irrespective of
Speaker 2: what the bank is going to charge you, or how
Speaker 2: easy it is to access alone, it's just harder today.
Speaker 2: Often we try to blame you know, irresponsible millennials or
Speaker 2: going up for branch or you know, millennials these days
Speaker 2: prioritize their lifestyles more like to me, that's not the case,
Speaker 2: because life is genuinely harder. So when we look at property,
Speaker 2: we can't have this white picket fence dream that we
Speaker 2: historically had because you know, if my parents were able
Speaker 2: to walk into a property like that, that doesn't necessarily
Speaker 2: mean I can. But I think we always look to
Speaker 2: history and go, oh, they were able to do it,
Speaker 2: why can't I do it? Well, Actually, the world has changed.
Speaker 2: So to me, your dream home is the property that
Speaker 2: you can afford, not necessarily the property that you want.
Speaker 2: And what this listener has written in and said to
Speaker 2: me is that property. So, like we could go further out,
Speaker 2: that property is actually not in the location that is
Speaker 2: your dream location. So therefore it's not your dream property
Speaker 2: because you're having to make significant compromise. I would say
Speaker 2: to get into what would be, you know, a three
Speaker 2: bedroom house as opposed to a starter property. And I
Speaker 2: obviously am in the property game always. I own Zella Money,
Speaker 2: which is a mortgage broking firm, and we see people
Speaker 2: getting into their first homes literally every day. It's my
Speaker 2: favorite thing in the entire world. But often we're talking
Speaker 2: to clients about, well, what compromises are you making, what
Speaker 2: is your long term strategy on this property? And if
Speaker 2: you're not sure about what that looks like, you need
Speaker 2: to do more research. So i'd sit you down. And
Speaker 2: I've said this to Jess before, because obviously Jess wants
Speaker 2: to buy a house. I would say desperately at this point.
Speaker 2: I mean, it's a bit on ice at the moment
Speaker 2: because like, the world is in a bit of a shamble.
Speaker 2: But I'm always like, Jess, can you please look at
Speaker 2: this property? I know because Jess wants to buy her
Speaker 2: family home right, Like, it's no secret she has this
Speaker 2: ideal of what you want to buy. And that's fine
Speaker 2: because her dream location is going to allow that and
Speaker 2: that will work. So it's not like Jess actually has
Speaker 2: rocks in her head. So that's okay. But every time
Speaker 2: I'm like, you don't know how your circumstances can change
Speaker 2: before you buy any house. Can you please look at
Speaker 2: it pragmatically and go what would it resell for? Yes,
Speaker 2: it might be your perfect home, but like, what would
Speaker 2: it mean if everything went south and you needed to sell?
Speaker 2: Like could we just sell it for what we bought
Speaker 2: it for and call it an even break? Great, no worries?
Speaker 2: What does rental yield in that area actually look like?
Speaker 2: And you might go, v why am I bothering? I
Speaker 2: don't have any intention of renting it out. Do you
Speaker 2: know how many people I talk to that are like, oh,
Speaker 2: we're renting out this property? We never thought we would
Speaker 2: just understand the numbers, understand what you're getting yourself into
Speaker 2: and understand the compromise you're making, because going for a
Speaker 2: more expensive property, you might go, well, V, I now
Speaker 2: have my dream home. Fantastic at what compromise? So has
Speaker 2: your lifestyle changed? Do you now you know, significantly further
Speaker 2: out from your friends and family and that's now getting
Speaker 2: in the way of your social life, Like what does
Speaker 2: the rest of your life look like? Because I feel
Speaker 2: like when we go into the property journey, it's so
Speaker 2: tunnel visioned, like you're just like far out. I finally
Speaker 2: have the deposit. You know, I've talked to my Zella
Speaker 2: Money mortgage broker, and I'm so excited. They said, I
Speaker 2: can be serviced up to this amount. But you might
Speaker 2: not have thought about what life looks like once you
Speaker 2: have that mortgage repayment coming out of your account, Like,
Speaker 2: once you're in the house, what does life look like?
Speaker 2: How does that work? Because I guess reflecting even on
Speaker 2: my own personal journey. You guys know that during COVID,
Speaker 2: my husband Steve or he was my boyfriend at the time,
Speaker 2: we bought a house together and I remember buying that
Speaker 2: and saying to Steve, this would be so good because
Speaker 2: it has more than three bedrooms, Like it's a four
Speaker 2: bedroom house, and I remember saying, this will be great
Speaker 2: because we can be here for ten fifteen years, And
Speaker 2: that was what two and a half three years ago,
Speaker 2: and we're already like, great, we want to move. We
Speaker 2: want to change our situation, like this was our dream property,
Speaker 2: and now our financial situation has changed enough to enable
Speaker 2: us to kind of step up into that next level
Speaker 2: of property. But I'm looking at it going at what
Speaker 2: point would I do that? And obviously I'll share the
Speaker 2: journey if we decide to do that, but I'm not
Speaker 2: there yet. But now we're having a baby, we'd like
Speaker 2: to be closer to parks, so we'd like to be
Speaker 2: in this different location or you know, closer to family
Speaker 2: or whatever we're talking about. That was not on our
Speaker 2: radar when we purchased the first time. And I would
Speaker 2: say the first time I purchased, I was really smart
Speaker 2: about it. I did know rental yield, I did know
Speaker 2: all of those things. But in my head we were
Speaker 2: going to stay in that property for ten plus years.
Speaker 2: And now I look at it and go, all right, well,
Speaker 2: I've actually renovated it. It's looking pretty good. We haven't
Speaker 2: got a very good looking front yard, ask Jess, she's Senna,
Speaker 2: it's heinous. It's about to change, don't worry. Yes, I
Speaker 2: signed a contract with a beautiful landscaper, and I go,
Speaker 2: this could actually sail quite nicely if we decided to,
Speaker 2: you know, dispose of this and change our situation. Whereas
Speaker 2: if you'd told me when I purchased the property, heyv
Speaker 2: so after three years you're probably going to want to,
Speaker 2: you know, change, I'd be like, absolutely not, you're joking.
Speaker 2: This is my dream home.
Speaker 5: Yeah.
Speaker 2: So I think that is a good example of I
Speaker 2: was so set, and I feel like we all get
Speaker 2: like this because buying your property is going to be
Speaker 2: one of the biggest financial expenses of your entire life,
Speaker 2: will probably be the number one. But what would it
Speaker 2: look like to pivot? What if life changes? You know,
Speaker 2: I'm not going to get dramatic about your relationship ending,
Speaker 2: but like, that's something we need to take into consideration
Speaker 2: as well. But what if in five years you've built
Speaker 2: up enough equity back to go into your next property
Speaker 2: and rent this one out. Is that an opportunity Because
Speaker 2: that's a wealth creation strategy that you might not have
Speaker 2: thought about. You might go, wow, I never thought that
Speaker 2: i'd own a property that I could rent out, leverage
Speaker 2: myself off that one and into my next property. So
Speaker 2: that's where I think it's important to have a really
Speaker 2: good conversation with a mortgage broker, because you can't do
Speaker 2: that yourself. Like ask Jess, I bullied her for the
Speaker 2: longest time, I said, sit down with a good mortgage broker.
Speaker 2: Did you Eventually it was good? Now you have Do
Speaker 2: you feel like you have that clarity?
Speaker 5: Yeah? Yeah, it's really handy, something that you can just
Speaker 5: lean on and be like, hey, like what does this
Speaker 5: look like if I my income changes by this, or
Speaker 5: if rates have changed by that, Like what impact does
Speaker 5: that have on my borrowing capacity? And what will that
Speaker 5: mean for the properties that I can or can't afford?
Speaker 2: Exactly? And a mortgage broker does this day in day out,
Speaker 2: Like use them as a really good, I guess sense
Speaker 2: check resource because go, all right, well, actually is this
Speaker 2: a good idea? I promise your mortgage broker will be like, look,
Speaker 2: it's your choice, but like you know, we've had a
Speaker 2: couple of clients go down this route instead, or we've
Speaker 2: had a couple of clients do this, or actually that
Speaker 2: area seems really popular. So I would have a chat
Speaker 2: with a mortgage broker sooner rather than later. To the
Speaker 2: person who has written in this money dilemma, but if
Speaker 2: you're thinking about buying and you're not entirely sure, just
Speaker 2: go sit down with a mortgage broker before you're ready
Speaker 2: and actually go, well, what does this look like? How
Speaker 2: does this work?
Speaker 6: You know?
Speaker 2: How much more deposit can I save? I know our
Speaker 2: money dilemma, righte arenera Jess actually said, oh, we actually
Speaker 2: have a combined income of more than two hundred thousand
Speaker 2: dollars sligh like big flex. But also they said, oh,
Speaker 2: none of the government grants apply to me. Some of
Speaker 2: them still would have you actually had someone look into
Speaker 2: that to make sure that you're dotting all your eyes
Speaker 2: and crossing all your tea's, because sometimes different circumstances can
Speaker 2: change so that you might be able to access different
Speaker 2: grants that you might not have even heard of. So
Speaker 2: to me get a really good mortgage broker on your side,
Speaker 2: I'm obviously incredibly biased and think that you should just
Speaker 2: work with us because I've got your best interests at heart.
Speaker 2: So we'll chuck all of the details to get in
Speaker 2: contact with Zella Money. In the show notes, today. But honestly,
Speaker 2: just talk to someone who can help you get through
Speaker 2: this so that you and your partner are on the
Speaker 2: same page, because you do not want to be on
Speaker 2: different pages when making the biggest financial decision of your life.
Speaker 5: Yeah. I have two different friends, for what it's worth,
Speaker 5: two different friends who purchase properties at the top of
Speaker 5: what they were able to with their partners, and they
Speaker 5: are both looking at downsizing this year. Really yeah, just
Speaker 5: because they felt like their lifestyle compromise, Like they can't
Speaker 5: go on holidays, they have much less fun money, if
Speaker 5: you want to call it that, And so for them,
Speaker 5: they're like, oh, maybe having the big Nights house isn't
Speaker 5: worth as much to us as being able to live
Speaker 5: our lives in the way that we want her Like,
Speaker 5: you both obviously have valid thoughts and feelings, but maybe
Speaker 5: have a look and talk to your partner about, well, okay,
Speaker 5: if we do take out the much bigger property, that
Speaker 5: it's going to chew up a lot more abou our income.
Speaker 5: Like what are we going to have to give up
Speaker 5: to do that? Because do we want to spend five
Speaker 5: years without ever going on a holiday or do we
Speaker 5: want to spend you know, a couple of years really
Speaker 5: scrimping and saving rather than just being able to enjoy
Speaker 5: this new space.
Speaker 2: It's so true. It is so true. And I feel
Speaker 2: like often people go yeah, yeah, victoria or whatever or whatever,
Speaker 2: but that's the reality of the circumstances. Like unfortunately, guys,
Speaker 2: money is not endless.
Speaker 5: And rates are going up.
Speaker 2: So if money was endless, I wouldn't have a job.
Speaker 2: So yeah, So anyway, moving on, we received a DM
Speaker 2: this week, guys, a little bit spicy, as I said,
Speaker 2: kind of like the drama. Would you like to hear it?
Speaker 4: Absolutely?
Speaker 2: Girls, I need your help. I've been with my partner
Speaker 2: for around the year now and we keep our finances
Speaker 2: separate as we don't live together. Plus there is a
Speaker 2: big difference in what we earn. He makes more than
Speaker 2: double what I do. Now here's where things get tricky.
Speaker 2: Despite him making so much, he always tells me how
Speaker 2: broke he is and he's stressed out, always about money.
Speaker 2: Of course, I believed him when he told me this
Speaker 2: in the past, so I often just started paying for dinners,
Speaker 2: or I'd pay for the weekends away or even transfer
Speaker 2: him funds to cover his daily costs to reduce his stress.
Speaker 2: I'm really good with savings, so it doesn't bother me
Speaker 2: too much because I just want us to be able
Speaker 2: to do these things together and I see us being
Speaker 2: together for a long time. However, I just found out
Speaker 2: he bought himself a really expensive watch, and he lied
Speaker 2: to me and told me it costs way way less
Speaker 2: than what it actually cost. If he can afford that,
Speaker 2: he doesn't need money off me, and I feel totally used.
Speaker 2: I haven't confronted him yet, so I would love to
Speaker 2: know from you girls how you would handle this.
Speaker 5: There's a lot going on, ye that is.
Speaker 4: I mean, I don't want to be that person, but
Speaker 4: this feels really easy for me. You must leave and
Speaker 4: take the watch with you if you can. But I
Speaker 4: just think this is multi layer. Like if you was
Speaker 4: like I want to buy myself this watch, I'm lying
Speaker 4: about how much it costs because it's like I'm kind
Speaker 4: of embarrassed about, like how much is spent on this,
Speaker 4: but like that on its own, maybe sure, maybe, but
Speaker 4: actively taking money from her in the process because you
Speaker 4: are crying broke all the time, which is very valid
Speaker 4: if you're in a relationship and you're like like if
Speaker 4: Jess and I were together and I was like I
Speaker 4: really can't afford this, like, and Jess stepped up and said, look,
Speaker 4: I would really like to give you some cash for that.
Speaker 2: Like that's a two way relationship, Like that's okay, And
Speaker 2: I think we need to make sure that we're not
Speaker 2: crucifying that circumstance because for some people that's fine. But
Speaker 2: the complexity gets added when I earn double wat Jess eons.
Speaker 2: But I'm still borrowing from Jess. But then also what
Speaker 2: out here living a lot lifestyle, buying a watch that
Speaker 2: Jess could never afford.
Speaker 4: What's the borrowing for me?
Speaker 5: Because like I have definitely been guilty, Like I have
Speaker 5: said to my partner, I'm so broken. We've said before,
Speaker 5: I out earned my partner relatively significantly.
Speaker 2: Oh she's a big dog. Well he's no, no, no, no, no, no,
Speaker 2: I just own it, Jess Entry dog.
Speaker 5: He's on his way up. But you know what I mean,
Speaker 5: Like I'm the high income owner. And I have definitely
Speaker 5: said before, like there's been nights where he's been like
Speaker 5: should we do takeout? And I've been like, oh nah,
Speaker 5: like I'm too broke. It's the end of the month,
Speaker 5: pay week, whatever. But I think that is very different
Speaker 5: for me. That's about setting a boundary. Because when I
Speaker 5: say I'm broke, I mean I've put fifty five percent
Speaker 5: of my income's gone to my house deposit. I've paid
Speaker 5: all my bills, my rents covered.
Speaker 2: It must be nice.
Speaker 5: I've just emptied my fund for takeout for the month. Yes,
Speaker 5: is kind of so. I also think like the wording
Speaker 5: in the circumstance can still be used. But I think
Speaker 5: it's one thing to say, oh, I've exhausted my allocation
Speaker 5: for that money. I don't want to spend anything on
Speaker 5: takeaway or on a weekend away or whatever. It's a
Speaker 5: very different thing to say, oh, I'll take your money
Speaker 5: to do it because I've spent all of my extra
Speaker 5: money poorly, or I've allocated all my money to something
Speaker 5: else that's important to me. Yes, to me, that feels different.
Speaker 2: That feels very wrong. That does feel It.
Speaker 5: Does feel a little bit like they're taking advantage. If
Speaker 5: your partner, who earns half of what you earn is
Speaker 5: able to pay for these things, where is the money going?
Speaker 5: And I guess priorities come into it, like if like
Speaker 5: using the takeout example, sometimes my partners like I just
Speaker 5: don't want to cook, I can't be bothered. I want
Speaker 5: to get take out, and I'll say I don't want
Speaker 5: to spend the money, like it's not my priority this
Speaker 5: week whatever, and I'll go, I'll cook dinner for you.
Speaker 5: Perfect compromise. Yes, But like in this situation, it doesn't
Speaker 5: sound like it's a matter of priorities. It sounds like
Speaker 5: he's just saying, Oh, I don't want it, babe, can
Speaker 5: you get it?
Speaker 2: Mickey?
Speaker 5: It feels it.
Speaker 4: Does feel very much like she's being taken advantage of a.
Speaker 2: If you're crying broken, then you can afford an expensive
Speaker 2: what and.
Speaker 5: Then you have to put the watch on top. I
Speaker 5: didn't even get to the worst your.
Speaker 4: Watch on top? And like, of course, like sometimes maybe
Speaker 4: this is my thing. Is like maybe he was because
Speaker 4: he was saving up for the watch, which is also like.
Speaker 2: Totally, but that does not mean that your partner pays
Speaker 2: for your life. You're saving for a discretionary items, Like
Speaker 2: we're not talking like, oh and he went out and
Speaker 2: spent money on his Red Joe. Yeah, like I'm so
Speaker 2: salty or.
Speaker 4: Saving for a house or something.
Speaker 2: No, no, not even the house savings. Your partner should
Speaker 2: not be And like this is me being relatively aggressive.
Speaker 2: Your partner should not be funding your lifestyle so that
Speaker 2: you can save to get yourself ahead financially. It is compromised. Yeah,
Speaker 2: Like as Jess was saying, she's like, I save for
Speaker 2: my house and I said no to take out. I
Speaker 2: mean it's up to her partner James then to go. Well, Jess,
Speaker 2: it wasn't really a question. I really really really want
Speaker 2: takeout or pay for different situations than Jess being like, oh,
Speaker 2: I'm so broke, Like yeah, I really want that. You've
Speaker 2: got to pay for it. That's guilt tripping. Yeah, that's
Speaker 2: not okay.
Speaker 5: It's like takeout is a relatively small expense in the scheme,
Speaker 5: but good as talking about weekends away, which are weekends away?
Speaker 5: Like I think with the takeout that you can go
Speaker 5: oh if one partner is feeling it. One partners not
Speaker 5: like okay, so one pays fifty bucks for take up
Speaker 5: for the night. Very nice treat you love your partner,
Speaker 5: you want to.
Speaker 2: Treat My husband has done that a number of times.
Speaker 5: To be right.
Speaker 2: He'll be like, do you want to get Uber Eats?
Speaker 2: And I'll be like no, no, no, We've got heaps
Speaker 2: of like molly spoons in the fridge. Absolutely not, and
Speaker 2: he was like, it's not really a question like I'm
Speaker 2: craving peak.
Speaker 5: Yeah, but that's here to me. It's a more nominal
Speaker 5: expense a whole weekend away though. If she's paying for
Speaker 5: two people, you're looking at upwards of five hundred dollars
Speaker 5: and that's not a small amount at a minimum. Yeah,
Speaker 5: and that's if you're doing like a very like affordable
Speaker 5: cost expensive. Yeah, everything's sensive right now. Like that is
Speaker 5: not a small expense for someone to take on. And
Speaker 5: I know that I would feel very guilty if my
Speaker 5: partner was doing.
Speaker 4: That, but I couldn't totally.
Speaker 5: Yeah. Again, it's not as if one person saying I
Speaker 5: really want to prioritize travel and the other partner goes,
Speaker 5: I don't really care about traveling, and you go, oh,
Speaker 5: well what if I covered it?
Speaker 2: Yeah, because it's im ME want you to be there
Speaker 2: and this is an experience that I want us to share.
Speaker 2: And yeah, different again.
Speaker 5: I feel like there are so many avenues that I
Speaker 5: could be more flexible on. But from what our listener
Speaker 5: has said, I go, it really just feels to me
Speaker 5: like he's taking advantage of you, and I don't like
Speaker 5: that at all.
Speaker 2: The added layer that we've forgotten, like we've remembered the
Speaker 2: watch Chess. But he lied about the watch.
Speaker 6: Oh my god.
Speaker 2: Actually he lied about the cost. He said it wasn't
Speaker 2: it was much much, much less than what it actually.
Speaker 5: Costs, which I feel like is not embarrassment in this case.
Speaker 2: It feels he knows what he's doing. He's taking advantage.
Speaker 4: And this is very telling of other things when someone
Speaker 4: like it's kind of like a symptom of something bigger,
Speaker 4: like lying about the watch, or using your partner's money
Speaker 4: to not using but like, if your partner's paying for
Speaker 4: something you can probably afford to chip in, maybe you're
Speaker 4: not doing that. It's symptomatic of a bigger issue, which
Speaker 4: is maybe you're a bit manipulative, maybe all these other things.
Speaker 2: Like it could be really blatantly disrespectful, yeah, and I
Speaker 2: mean it could be harmless.
Speaker 4: It could be like, oh, they actually couldn't afford XYZ
Speaker 4: for whatever reason, but.
Speaker 2: It doesn't mean you need a Rolex.
Speaker 4: Might also be something really sinister, do you know what
Speaker 4: I mean?
Speaker 5: Yeah, I don't like it at all. What did everybody
Speaker 5: else have to say?
Speaker 2: We obviously took this to the community, as we always do,
Speaker 2: so Here are some of the responses. This one blew up.
Speaker 2: We got hundred truths over Flieres. First person said, demand
Speaker 2: a payback of at least what the watch costs as
Speaker 2: you walk out the door. Catch up. Yes, someone said,
Speaker 2: just stop giving him money and are you willing to
Speaker 2: deal with this situation forever? Yeah, run for the hills.
Speaker 2: It's a big red flag red flag emoji. He is
Speaker 2: living well above his means hashtag financial manipulation.
Speaker 5: Yeah, I just I would love to know where his
Speaker 5: money is going. Yeah, Like, I just, I can't comprehend
Speaker 5: out earning someone by that much and them having money
Speaker 5: left over and you not.
Speaker 2: Someone said dump is asked, he's using you for your money, girl.
Speaker 2: Someone else said this is my favorite one. Think of
Speaker 2: all of that money that you just spent on him
Speaker 2: as an investment in finding out that he's a red flag.
Speaker 5: That's so true.
Speaker 2: Some really simple ones that came.
Speaker 1: Up a lot.
Speaker 2: You need to talk to him about this.
Speaker 5: You can't leave it.
Speaker 2: I think is really good. Like we can give advice,
Speaker 2: we can talk about it and what we would do,
Speaker 2: but ultimately good relationships are built on really good communication.
Speaker 2: And if you can't sit down and be like Hey, mate,
Speaker 2: what's going on with this? I'm feeling really disrespected to me.
Speaker 2: That's another red flag that the relationship you're in is
Speaker 2: not a good one. Obviously, lots of people will like
Speaker 2: immediately break up, immediately leave him. Someone suggested ghost him
Speaker 2: and let him work out why that's so nasty. Then
Speaker 2: someone else has said, popcorn emoji eyes emoji. Popcorn emoji
Speaker 2: eyes emoji. Send him a screenshot of the watch while
Speaker 2: you're sitting on the couch together with the price tag
Speaker 2: with no context, and just see how we react.
Speaker 5: Yes, there are some toxic people.
Speaker 2: You guys are psycho well, but lots of people were
Speaker 2: saying genuinely leave him. I feel like this could turn
Speaker 2: into quite scary financial abuse quite quickly. Leave him. I
Speaker 2: was in this situation for multiple years and it doesn't
Speaker 2: to get better. So I think having these conversations again,
Speaker 2: it just goes back to communication, like why are you
Speaker 2: doing this, mate, because it could be a sign of
Speaker 2: a bigger problem. You don't know, maybe, like being really dramatic,
Speaker 2: maybe he has a gambling addiction. That's why he never
Speaker 2: has any money because he's got this issue. Came into
Speaker 2: a lot of money one time and bought himself a watch,
Speaker 2: and he just didn't think about the circumstances he's in
Speaker 2: because he is in the midst of addiction and that
Speaker 2: needs to be dealt with. So I think approaching it
Speaker 2: with kindness always, because there is nothing wrong with always
Speaker 2: being the kinder person in this circumstance, even if you're
Speaker 2: being screwed over, like you can walk away with your
Speaker 2: head held high, like no, I always did the right thing.
Speaker 2: I tried to communicate I was the better person always.
Speaker 2: I think, to me is the best way to approach it.
Speaker 2: But yeah, my summary of this is talk to him,
Speaker 2: because this is a little bit cooked.
Speaker 5: I feel like as well, maybe just for your own reference,
Speaker 5: going back and having a look at how much money
Speaker 5: you have given him might be helpful, because I think
Speaker 5: as well, when you're in a partnership, you often kind
Speaker 5: of go, oh, it'll all come out in the wash,
Speaker 5: like you've paid for take out this week, I'll pay
Speaker 5: for take out next week, or you know, you don't
Speaker 5: really keep track of things because it's not a game
Speaker 5: that you need to keep scoring. And I feel like
Speaker 5: it sounds like potentially she's spent a lot of money
Speaker 5: or lent a lot of money to her partner, and
Speaker 5: it might also be just very helpful, firstly for your
Speaker 5: point of reference to see where that money is going,
Speaker 5: but also for him, like if there is something bigger
Speaker 5: going on, maybe he's not keeping up or paying attention
Speaker 5: to how much you're helping him. And if you say, babe,
Speaker 5: like over the past six months, I've given you ten
Speaker 5: thousand dollars or five thousand dollars or.
Speaker 2: Even yeah, and you've gone and spent way more than
Speaker 2: that on a watch, it just feels really disrespectful. Yeah.
Speaker 5: I think maybe even just kind of presenting things like that,
Speaker 5: if he is blissfully unaware and just has no financial
Speaker 5: literacy and it's just living his life without really thinking
Speaker 5: about you, maybe that will kind of make and go,
Speaker 5: oh my god, like I didn't realize sure that you
Speaker 5: picking up the tab every so often was putting you
Speaker 5: out so significantly.
Speaker 2: Yeah, that's a really nice way to put it as well.
Speaker 2: All Right, Well, unfortunately, guys, I think that is all
Speaker 2: we have time for today. Thanks for another great Friday, EF.
Speaker 2: I'm really excited about this one. Next week, Yes, next week,
Speaker 2: we'll see you on Until then, have a beautiful weekend
Speaker 2: and we'll see you bright nearly for our money, Direy
Speaker 2: love you guys, buy us by. The advice shared on
Speaker 2: She's on the Money is general in nature and does
Speaker 2: not consider your individual circumstances. She's on the Money exists
Speaker 2: purely for educational purposes and should not be relied upon
Speaker 2: to make an investment or financial decision. If you do
Speaker 2: choose to buy a financial product, read the PDS TMD
Speaker 2: and obtain appropriate financial advice tailored towards your needs. Victoria
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