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

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Speaker 4: for millennials who want financial freedom. My friends, today is Friday,

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Speaker 4: which means we're getting the team together, not the whole team.

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Speaker 5: But you heard that voice.

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Speaker 4: Miss Jessica Ricci is back, but we are here to

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Speaker 4: celebrate you our incredible She's on the Money community today,

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Speaker 4: Miss jess g Ricci is back sharing her favorite money

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Speaker 4: wins from the community.

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Speaker 5: Beck has a few sneaky broke tips.

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Speaker 4: Which she hasn't sold us on, but like any broke tip,

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Speaker 4: will take it at this point in time, Beck like,

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Speaker 4: we're in a cost of living crisis.

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Speaker 5: We need whatever we can get.

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Speaker 4: We're gonna be helping to answer a juicy money dilemma,

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Speaker 4: which this week is all about the impact of work

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Speaker 4: credit card.

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Speaker 5: Can have on your personal credit score.

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Speaker 4: And we're going to be unpacking something that you slid

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Speaker 4: into our DMS about which this week we're chatting about

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Speaker 4: being financially taken advantage of in a new relationship.

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Speaker 5: Spicy juicy. Let's get into catching up though, Jess, how

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Speaker 5: was Japan?

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Speaker 2: My god? I loved it? Everyone was so nice. I

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Speaker 2: speak about three words of Japanese, but everyone was so

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Speaker 2: just kind in finding a way to understand or communicate

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Speaker 2: with us. And everything was so cheap. I can believe

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Speaker 2: how cheap it was once I'm.

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Speaker 5: In a committed relationship. Now is seven eleven? Oh my god?

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Speaker 2: Like the next level?

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Speaker 6: Good?

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Speaker 2: If seven eleven here? If you're listening, we love you

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Speaker 2: guys already, but you could be better.

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Speaker 4: You're like, I am now a seven eleven ambassador, and

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Speaker 4: Jess is like, you can do better.

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Speaker 7: What's your favorite Japanese seven eleven product?

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Speaker 2: I can't pick what, so they do the honor Geary

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Speaker 2: the honor Uri was really good.

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Speaker 5: Yeah, you talked about that a lot.

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Speaker 2: The karag they do, like predrat the things.

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Speaker 5: I really believe that seven eleven in Japan does fried chicken.

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Speaker 2: Yeah. And the crazy thing is is you can go

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Speaker 2: to seven eleven in Japan and get a wholesome, well

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Speaker 2: made meal, like there is a whole like noodle dishes,

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Speaker 2: fish dishes, rice dishes, like there are all of these

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Speaker 2: pre made things that if I lived here, when I'm

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Speaker 2: running late for somewhere, if I've had a big day

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Speaker 2: and i want something quick and easy all the time,

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Speaker 2: I'm like, oh, I just go to my gus.

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Speaker 6: Yeah.

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Speaker 2: Whereas if there was that option at our like so well,

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Speaker 2: literally and everything is really affordable. They do like little

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Speaker 2: packets of candy. You're a dollar a dollar, yeah, or

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Speaker 2: a dollar a dollar day. It's crazy how cheap it is.

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Speaker 2: You can make your own iced coffee, you can make smoothie.

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Speaker 5: You were saying when you got back. The meals that

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Speaker 5: you just mentioned were like five bucks each, right, so cheap.

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Speaker 2: And even when we went out to eat at restaurants

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Speaker 2: and stuff, it average like maybe fifteen dollars a person

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Speaker 2: like for like really big generous well made meals. It

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Speaker 2: wass so phenomenal. The culture was amazing.

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Speaker 5: I just thought the Japan would be a money weed.

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Speaker 2: That's what I thought too. I would highly recommend it

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Speaker 2: to anyone who wants to go. I loved it.

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Speaker 4: I'm so envious because I have never had Japan as

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Speaker 4: somewhere to I guess go on holiday. I've always been like, oh,

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Speaker 4: I really want to go, obviously, like tree blossom season

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Speaker 4: looks beautiful, and like I'm a snow bunny, so I

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Speaker 4: really want to go to the snow over there.

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Speaker 5: However, I've always been like, yep, like I'll go. Do

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Speaker 5: Europe go this that?

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Speaker 4: The other Everyone that comes back from Japan is like

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Speaker 4: I would go again. I'm going to put it on

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Speaker 4: my list of places that Steve and I go.

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Speaker 8: Do you reckon?

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Speaker 5: I can take a baby? Is a baby friendly? Do

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Speaker 5: you reckon?

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Speaker 2: Jess? I reckon for sure? And I don't reckon. People

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Speaker 2: would be like happy to go out of their way

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Speaker 2: to accommodate you.

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Speaker 5: They don't even have to. They just have to not

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Speaker 5: kick me out of the rest.

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Speaker 6: That's all.

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Speaker 5: I asked, really really low bar to ask. So you

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Speaker 5: loved Japan?

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Speaker 2: Loved it? But I missed you.

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Speaker 5: Guys. We missed you too.

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Speaker 4: We just spent well a few episodes just talking absolute

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Speaker 4: smack about you.

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Speaker 5: So, Beck, how's your.

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Speaker 7: Week been well going after that? It's been very normal.

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Speaker 7: I didn't go to Japan.

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Speaker 5: Oh, I'm so sorry.

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Speaker 8: No, it was a really, really lovely week.

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Speaker 7: The weather has been beautiful, and yeah, I've just I

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Speaker 7: feel like I've been busy but doing nothing super exciting.

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Speaker 8: So that's me in a nutshell love it? What about you?

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Speaker 5: No, that's the same as me. Same as me.

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Speaker 4: Everyone had these big I guess grand flannel plans over

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Speaker 4: last weekend and I just stayed in bed, like, went

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Speaker 4: to the beach with my family, had a few glasses

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Speaker 4: of non alcoholic sparkling.

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Speaker 1: Yeah.

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Speaker 4: It was honestly so chill and so needed. I did

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Speaker 4: get gifted a few baby things. Oh, my influencer status

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Speaker 4: is paying off, guys. Finally the baby carrier I want

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Speaker 4: got gifted to me.

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Speaker 5: Wow, and I put my cat in.

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Speaker 2: It, hue. Yep.

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Speaker 5: So that was basically the highlight.

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Speaker 2: Of my week. Something else exciting happened this week.

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Speaker 5: Too, Oh yeah, Oh, completely forgot that one.

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Speaker 4: On Tuesday, my third book Property buy Shees on the

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Speaker 4: money came out. Oh my god, yeah, I forgot Yeah, congratulations.

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Speaker 2: Yeah.

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Speaker 4: Imagine if it was the day that I was recording

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Speaker 4: this and I only just remembered it was my book

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Speaker 4: launch day.

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Speaker 5: WHOA, that would be embarrassing. Glad that didn't happen.

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Speaker 2: It's so exciting to see so many people getting their

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Speaker 2: copies and being really pumped. And you know, so many

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Speaker 2: people have been popping the three of the books together

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Speaker 2: and they look so horrible.

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Speaker 4: Most like, we picked those colors, yes, so that they

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Speaker 4: looked cute together on a books.

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Speaker 2: Yeah, we got you girls, the Booktop Girlies, the girls,

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Speaker 2: you get to get it.

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Speaker 5: Yeah.

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Speaker 4: And for the Booktop Girlies, all of the spines line up,

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Speaker 4: all of the like headings line up, like everything that

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Speaker 4: was good together.

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Speaker 5: We made sure.

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Speaker 4: That's very very important to me. But yeah, that happened

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Speaker 4: this week. But to be honest, the cat and the

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Speaker 4: baby carrier probably trumps it.

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Speaker 5: Be honest, Let's be honest.

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Speaker 4: This is not about us though, nor is it about

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Speaker 4: my cat Bailey in a baby carrier.

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Speaker 5: It is actually about the community. So Jess, I gotta it.

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Speaker 4: Chi, Can you let us know what money wins you've

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Speaker 4: pulled from the community.

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Speaker 5: This week to share.

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Speaker 2: Absolutely my first money when this week comes from Hailey,

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Speaker 2: who said I was in Bali last week and I

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Speaker 2: turned on my rooming for about fifteen minutes. Three hours later,

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Speaker 2: I received the warning text messages from Optus stating that

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Speaker 2: I had used fifty dollars, then one hundred dollars all

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Speaker 2: the way up to seven hundred and fifty dollars in

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Speaker 2: charges over my plans STARTA. I was obviously devastated, especially

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Speaker 2: because I was only using my phone because I was

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Speaker 2: waiting for what turned out to be a proposal surprise.

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Speaker 2: Disputed it with Optus and they credited the seven hundred

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Speaker 2: and fifty dollars, and they also had a great customer

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Speaker 2: service during the process.

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Speaker 5: And you got why you got engaged? Why why not

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Speaker 5: more on this? What the heck?

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Speaker 8: Sorry, I screamed before.

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Speaker 5: Remember the time I did that in Dubai.

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Speaker 2: Yess oh my god.

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Speaker 5: Yes, it was so bad, not a time.

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Speaker 4: So like the phone plan that I had, I made

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Speaker 4: sure it had roaming, so I was like, no, guys,

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Speaker 4: like I have checked unequivocally, I have five.

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Speaker 5: Dollars a day roaming. This is why I'm with this plant.

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Speaker 4: It makes sense right above and beyond like I literally

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Speaker 4: did my research. What I didn't do my research on

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Speaker 4: was if you turn your phone on while you're in

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Speaker 4: Dubai even though you're on your way to.

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Speaker 5: Europe, doesn't count.

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Speaker 4: Doesn't count because Dubai was not included. And how much

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Speaker 4: did we rack up? Like fifteen hundred dollars? I said

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Speaker 4: to everybody, I was like, don't worry, I've got roaming

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Speaker 4: five dollars a day using my pre intersting data. Jess,

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Speaker 4: you tether Beck, you tell everybody tethered my phone.

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Speaker 5: Use my data in our stopover.

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Speaker 4: I think we spent like maybe because Dubai's are not cheap,

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Speaker 4: Dubai was expensive. I think we spent like one hundred

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Speaker 4: dollars at McDonald's between all of us. WHOA, so it

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Speaker 4: cost me one hundred bucks at McDonald's, which is not

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Speaker 4: a complaint. I was like, well, let's get it, about

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Speaker 4: fifteen hundred dollars to sit in that McDonald's on our phone.

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Speaker 2: For half an hour while we waited for because we

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Speaker 2: didn't want to talk to each other because we didn't

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Speaker 2: want a flight for like twenty.

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Speaker 5: Hours we wereted.

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Speaker 4: And then I was like absolutely not satan, I mean

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Speaker 4: I did get out of it.

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Speaker 5: It took a lot.

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Speaker 2: Like Hayley jumped on the phone, had a.

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Speaker 5: Little chat, but Hailey got engaged.

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Speaker 2: Congratulations, Well what else have you got Jess?

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Speaker 8: Congrats?

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Speaker 2: Next, I've got money in from Sarah, who said my

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Speaker 2: money in is I bought the iPhone fifteen promacs for

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Speaker 2: one hundred and eighty dollars.

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Speaker 5: No, we didn't have.

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Speaker 2: I traded in my iPhone fourteen pro for Oney ten

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Speaker 2: and I signed up for a BYO plan with Vodaphone,

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Speaker 2: which gave me another thousand dollars off the phone. Also,

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Speaker 2: my work also gives us fifty dollars a month towards

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Speaker 2: our phone plan money. We oh, okay, furnessing the system.

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Speaker 4: Well, Sarah, we all want new phones in this team,

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Speaker 4: but none of us are planning on buying them because

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Speaker 4: we're all stingy.

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Speaker 2: My phone is literally like destroyed and I'm still like,

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Speaker 2: oh it.

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Speaker 7: Is smash and yeah, you've had that for like twenty

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Speaker 7: thousand years.

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Speaker 2: I'm waiting for like a bonus Flybys points or something.

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Speaker 2: But anyway, Next, IP want money in from Ashley, who

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Speaker 2: said money win. My partner asked me to do a

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Speaker 2: budget for him so we can be better prepared for

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Speaker 2: bills in the future.

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Speaker 5: That would be so sexy.

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Speaker 2: She also included a bonus cat pick for vd.

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Speaker 5: We love I love that. She said, it's a bonus

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Speaker 5: cat pick for VD.

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Speaker 7: AH.

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Speaker 5: The other day, I was reading the Money Wins thread.

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Speaker 5: It was on the pod.

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Speaker 4: I actually used this as one of the money wins

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Speaker 4: and someone literally was like, also, here's a picture of

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Speaker 4: my dog.

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Speaker 5: Because I know v will ask you.

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Speaker 2: We love absolutely.

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Speaker 5: I will thank you for knowing me so well.

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Speaker 2: Guys. Next, I've got a book win from Alissa, who

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Speaker 2: said I went to Dimmicks on the weekend to buy

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Speaker 2: a book and they had boxes of her books for members.

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Speaker 2: I scored three books which I've been wanting to read,

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Speaker 2: with the back covers ripped off, but I saved about

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Speaker 2: sixty bucks money.

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Speaker 5: Win her books.

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Speaker 7: How cute, poor little hurt books. Also, talking about cheap books,

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Speaker 7: are libraries? Can we please make them trendy again? It

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Speaker 7: is free?

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Speaker 4: And also, jess and I worked this out recently. We

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Speaker 4: should have worked this out a very long time ago, though,

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Speaker 4: shouldn't we have? Jessica turns out authors get paid royalties

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Speaker 4: when you hire books or do you borrow books. Higher

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Speaker 4: books from the library. So like your author, your favorite

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Speaker 4: author is not missing out when it's good when you,

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Speaker 4: I guess, borrow books from the library. Although if you

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Speaker 4: are an author, you actually have to sign up to

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Speaker 4: that program yourself, and we hadn't so fun.

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Speaker 2: Fact for everybody, it's a win for you, it's a

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Speaker 2: win for the author.

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Speaker 4: It is now a win for the author because I

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Speaker 4: have now signed up tears program.

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Speaker 2: But perfect.

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Speaker 4: I think I love the most the fact that you

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Speaker 4: know how some people are like, oh, I really want

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Speaker 4: to support the author though, like you are.

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Speaker 2: Yeah, money, you don't have to feel bad.

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Speaker 8: That's great.

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Speaker 2: Next, I've got a money win from Kira who said

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Speaker 2: money Wind took all our bottles and cans to containers

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Speaker 2: for change and got thirty dollars cash back to put

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Speaker 2: in our special money box.

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Speaker 5: See I wish that was available in what are they actually?

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Speaker 2: Yeah, I don't know when I feel like we must

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Speaker 2: be getting closed. I think it was this year.

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Speaker 5: We're going to be crazy at the recycling bins in

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Speaker 5: the office.

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Speaker 2: Now I'm going to be that brown who says to everybody,

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Speaker 2: give me your hands, give me your hands.

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Speaker 5: I want to get a can crusher so that you

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Speaker 5: can stack more in your car.

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Speaker 2: Just I want to set like a ridiculous goal. Do

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Speaker 2: you remember. I remember a few years g I saw

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Speaker 2: a girl paid for her wedding by recycling cans, and yeah,

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Speaker 2: I remember seeing the article. And she would go to

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Speaker 2: like her local like pubs and stuff and be like, hey, like,

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Speaker 2: all clear out your recycling things for you if you

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Speaker 2: can be permission. They're like yeah, so, and she paid

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Speaker 2: for like their full wedding by collecting cans and bottles.

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Speaker 2: And I wouldn't go that, but I think it would

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Speaker 2: be really fun to be like, I want to set

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Speaker 2: this huge goal car, yeah, something like that, and then

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Speaker 2: just save a bunch of cans.

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Speaker 4: If you've ever done that, can you please slide into

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Speaker 4: our dams so we can get you on the pod.

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Speaker 5: I feel like that would be so fun.

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Speaker 2: So and then lastly, I've got a money win from

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Speaker 2: kai who said money win. I cashed in some Velocity

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Speaker 2: Frequent Flyer points for a free cruise with Virgin Voyages.

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Speaker 5: What how many points?

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Speaker 2: WHOA? I don't know, and I got an awesome points

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Speaker 2: conversion rate five cents per point equals winning.

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Speaker 8: Oh my gosh, sick.

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Speaker 5: How good is that?

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Speaker 2: I never even knew you could do that.

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Speaker 4: Okay, So the other day Gabby and I so like,

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Speaker 4: I have the seven eleven app, and as you guys know, like,

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Speaker 4: irrespective of the fact that I am a seven eleven ambassador,

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Speaker 4: I believe I got this position because I worked so

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Speaker 4: hard at seven eleven during my free time.

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Speaker 5: Anyway, saw on the app the other day that.

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Speaker 4: If you bought a sausage roll, you got one hundred

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Speaker 4: Velocity Frequent Flyer points, and sausage rolls that day were

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Speaker 4: a dollar. So I basically got one hundred Velocity points.

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Speaker 5: For a dollar and a free sausage roll, is how

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Speaker 5: we saw it.

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Speaker 8: Yess exactly right.

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Speaker 2: Anyway, phenomenal is that's.

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Speaker 5: A crazy cut.

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Speaker 2: That's everything I've got.

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Speaker 5: I love it.

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Speaker 4: I feel like that is a very good Welcome back

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Speaker 4: to the Friday Drinks episodes.

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Speaker 5: Please don't give us again.

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Speaker 8: Please don't go anywhere we were going.

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Speaker 2: We go to America and approximately.

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Speaker 4: But that's okay, Okay, Beck's going to miss us because

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Speaker 4: we're going to do a few episodes without Beck.

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Speaker 5: Sorry. Beck, we love you, but you were coming to America.

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Speaker 2: That really hurts. You've got important things.

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Speaker 8: I dot the acrass, So sorry, yeah.

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Speaker 4: Yeah, we've been nominated for a pretty big award, Beck.

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Speaker 4: We have been nominated for Podcast of the Year Big

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Speaker 4: Dog Energy. But both jess and I are out of

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Speaker 4: the country, so we thought this.

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Speaker 2: Is the second year in a row. This is we

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Speaker 2: haven't been during the last year wh we went to Europe.

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Speaker 2: There was like two different awards ceremonies the same night

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Speaker 2: that we had to.

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Speaker 4: Fly out, and I had to prayer record all my

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Speaker 4: videos and stuff in case I won, And it was

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Speaker 4: the most awkward experience because you're like recording this video, Oh,

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Speaker 4: thank you so much, like I'm so grateful to have

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Speaker 4: one when you didn't know you were winning or not,

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Speaker 4: and so I wish I had not. We did end

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Speaker 4: up winning, which was very cool. But hopefully we come

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Speaker 4: home with a win because you're going all the way

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Speaker 4: to the Acress to represent the ses on the Money team.

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Speaker 7: It's a big responsibility on my shoulders.

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Speaker 8: Looking forward to a.

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Speaker 2: Fun selfieve you with a trophy hopefully, Yeah, definitely.

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Speaker 4: He goes across to knock on wood, don't don't jinx

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Speaker 4: at Jessica, but to your side of the table, Miss Beck,

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Speaker 4: what if you got when it comes to broke.

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Speaker 7: Tips yes, okay, so broke tips. I always get a

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Speaker 7: little bit nervous.

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Speaker 4: I don't know, because feel like these tips are so

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Speaker 4: good they're gonna blow people's minds.

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Speaker 8: Yes, yeah, exactly. I do hope these coming useful.

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Speaker 7: The ones that people send me are always really good

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Speaker 7: and my ones are always a little bit silly. But

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Speaker 7: let's give this a go. So the first one comes

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Speaker 7: from Charlie. I think this is a really great tip.

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Speaker 7: So Charlie says, for friends birthdays, for a cheap and

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Speaker 7: meaningful present, go to kmart or office works or wherever.

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Speaker 7: If you have a printer at home, sick in print

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Speaker 7: off photos of them. You can print off a bunch

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Speaker 7: of small photos for like fifteen cents each, or one

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Speaker 7: big poster, or you could like you know, make little

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Speaker 7: canvases or like.

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Speaker 5: Stick little that's cute pictures and cards.

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Speaker 7: Yeah, and like, for example, my friend made me this

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Speaker 7: board game was amazing, you know, the Game of Life. Yeah,

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Speaker 7: every single card in the deck was like a different

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Speaker 7: thing that happened in my life. I'll have to like

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Speaker 7: send photos or something because it's like it's unbelievable, like

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Speaker 7: it's incredible, and I don't know how much it would

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Speaker 7: have cost. I don't imagine too much printing in that time.

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Speaker 4: And the research and the thought, oh my gosh, the

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Speaker 4: best present I've ever.

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Speaker 8: Heard of, totally.

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Speaker 7: And for my best friend's birthday, I got everyone in

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Speaker 7: our friend group and every one of her friends to

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Speaker 7: send videos like a little happy birthday message, and I

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Speaker 7: cut it all up together and that.

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Speaker 8: Was free, and so she loved it.

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Speaker 7: So something like that, like, if you worried about someone's

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Speaker 7: birthday coming up, you don't have to spend any money,

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Speaker 7: but you do have to spend some time.

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Speaker 8: So that's one.

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Speaker 4: Well, if you remember one of our Friday Drinks episodes,

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Speaker 4: I forgot Jess's birthday, so there was that you.

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Speaker 8: Could also just forget the birthday.

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Speaker 4: That was literally my worst moment. Now I can provide

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Speaker 4: some context to that. I was so sick and so pregnant,

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Speaker 4: and nobody knew and I sounded like a terrible human

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Speaker 4: being because I was like, oh no, now I forgot

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Speaker 4: Jess's birthday as well. Everyone's going to think I am

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Speaker 4: the devil. No birthdays are my favorite. I still carry

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Speaker 4: a lot of guilt about that.

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Speaker 9: Beck Oh, have a lifetime to make up for it,

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Speaker 9: She cried, No, I cried because I felt bad for

400
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Speaker 9: making you feel bad, not because not because you forgot

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Speaker 9: my best Did.

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Speaker 5: You cry though you cried?

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Speaker 4: I made you cry because I forgot your birthday.

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Speaker 8: It's a good way to frame it.

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Speaker 5: What else have you got?

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Speaker 2: Bet?

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Speaker 7: So The next one comes from Alex, who says, where possible,

408
00:16:30,440 --> 00:16:33,880
Speaker 7: try and enroll in some free courses or cheaper sort

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Speaker 7: of like tafe courses or college courses before committing to

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Speaker 7: a union degree because obviously, you know, it's like a big,

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00:16:39,840 --> 00:16:41,760
Speaker 7: you know, expense, it's a big debt to have. We

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Speaker 7: don't want that ideally, and you could do this in

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Speaker 7: many ways. There was a thing where like a few

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Speaker 7: tafe courses were free.

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00:16:49,480 --> 00:16:51,840
Speaker 4: Courses are now free. Yeah, and so Jess and I

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Speaker 4: tried to enroll in the Oslan tafe course, but we

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00:16:55,320 --> 00:16:58,040
Speaker 4: couldn't like commit to it because it was in person only.

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Speaker 4: It was only a one or two places, like, it

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Speaker 4: wasn't as accessible as we would have liked, because obviously

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Speaker 4: we're crazy busy, but that's on our list of to

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Speaker 4: do things, and that one's free.

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Speaker 7: Yes, that's that's exactly right, So try and commit to

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Speaker 7: that way possible. You could even just jump on like

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00:17:13,680 --> 00:17:16,639
Speaker 7: YouTube always have really cool the places where you can

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Speaker 7: explore like there's this one have you heard of dad?

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00:17:19,640 --> 00:17:22,920
Speaker 7: How do I or how do I know it's the

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Speaker 7: guy that it's a dad?

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Speaker 5: Is it actually just you think? And I think it's

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Speaker 5: really cool.

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Speaker 7: That's like more so if you want to get into,

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00:17:29,680 --> 00:17:31,840
Speaker 7: like you know, maybe different trades, like do some handy

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Speaker 7: work around your own house and stuff like that.

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Speaker 8: But just like exploring different things.

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Speaker 7: For committing to something that's such a big amount of

435
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Speaker 7: debt is probably you know something that you would.

436
00:17:42,320 --> 00:17:45,439
Speaker 4: Also you could upscale without having to like you know,

437
00:17:45,520 --> 00:17:47,680
Speaker 4: quit your job or take more time. There's a website

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00:17:47,720 --> 00:17:50,080
Speaker 4: called called Sarah dot org oh which is one of

439
00:17:50,080 --> 00:17:53,720
Speaker 4: my favorite resources now that you've mentioned it, And it

440
00:17:53,800 --> 00:17:57,199
Speaker 4: actually has different units, so not full degrees, but different

441
00:17:57,280 --> 00:18:00,600
Speaker 4: units from universities all around the world. So we're talking

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00:18:00,640 --> 00:18:04,520
Speaker 4: like Harvard and Oxford and like literally the big universities.

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Speaker 4: I know that r MIT here in Melbourne contribute and

444
00:18:07,119 --> 00:18:09,800
Speaker 4: so does Melbourne University and the University of New South Wales,

445
00:18:09,840 --> 00:18:12,600
Speaker 4: like literally all the big unis and you can go

446
00:18:12,680 --> 00:18:15,320
Speaker 4: do like a data science unit that could help you

447
00:18:15,400 --> 00:18:19,919
Speaker 4: upskill at work or like literally financial literacy units or

448
00:18:19,920 --> 00:18:22,600
Speaker 4: whatever you want to do, and you get a certificate

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00:18:22,600 --> 00:18:24,280
Speaker 4: at the end, so you can pop that on your LinkedIn.

450
00:18:24,359 --> 00:18:25,000
Speaker 5: Isn't that cool?

451
00:18:25,080 --> 00:18:27,000
Speaker 2: That's great and free.

452
00:18:27,119 --> 00:18:28,639
Speaker 5: We love a free course.

453
00:18:28,760 --> 00:18:30,920
Speaker 4: I think the only thing that is paid about that

454
00:18:31,440 --> 00:18:33,280
Speaker 4: is obviously you could put on your LinkedIn that you've

455
00:18:33,320 --> 00:18:35,160
Speaker 4: done it. But I think you do have to pay

456
00:18:35,200 --> 00:18:37,159
Speaker 4: for the certificate if you want it sent to you.

457
00:18:37,359 --> 00:18:40,080
Speaker 5: Sure, I don't need the certificate. It's a good thanks

458
00:18:40,119 --> 00:18:40,760
Speaker 5: for the free course.

459
00:18:40,920 --> 00:18:43,400
Speaker 2: Yeah. I feel like if more people did that before

460
00:18:43,400 --> 00:18:47,400
Speaker 2: they started a university degree, the rate of people changing

461
00:18:47,920 --> 00:18:51,879
Speaker 2: courses would drop significantly because almost every single one of

462
00:18:51,880 --> 00:18:53,920
Speaker 2: my friends, as you guys know, I didn't go to university,

463
00:18:53,920 --> 00:18:57,160
Speaker 2: but I think every one of my friends but maybe

464
00:18:57,160 --> 00:19:00,840
Speaker 2: one that went to university changed courses and that costs

465
00:19:00,840 --> 00:19:02,680
Speaker 2: them a huge amount money because you feel so much

466
00:19:02,720 --> 00:19:05,200
Speaker 2: pressure to go to university when it might not even

467
00:19:05,240 --> 00:19:07,280
Speaker 2: be the right fit for you. Yeah, and you're making

468
00:19:07,280 --> 00:19:09,879
Speaker 2: a choice not really knowing what you like or what

469
00:19:09,920 --> 00:19:12,280
Speaker 2: you enjoy and totally so then people start studying and

470
00:19:12,359 --> 00:19:14,320
Speaker 2: they go, oh, actually, you know, it's what happened with

471
00:19:14,320 --> 00:19:16,800
Speaker 2: you'at Like you studied psychology and you're like, Oh, actually,

472
00:19:16,800 --> 00:19:20,359
Speaker 2: this isn't it and you moved into finance one hundred percent,

473
00:19:20,440 --> 00:19:22,840
Speaker 2: and I think it's so important to kind of I

474
00:19:22,840 --> 00:19:24,960
Speaker 2: don't know. I feel like this is a whole other

475
00:19:25,040 --> 00:19:28,120
Speaker 2: conversation outside of broke tips, just that there's so much

476
00:19:28,200 --> 00:19:32,280
Speaker 2: unnecessary pressure to get a higher education when honestly, so

477
00:19:32,400 --> 00:19:34,760
Speaker 2: many times you don't need it, Like it depends what

478
00:19:34,760 --> 00:19:35,320
Speaker 2: you want to do.

479
00:19:35,600 --> 00:19:37,040
Speaker 5: Obviously can get you ahead.

480
00:19:37,119 --> 00:19:40,240
Speaker 4: You obviously can't go and become a neurosurgeon if you

481
00:19:40,240 --> 00:19:42,919
Speaker 4: don't have a degree, Like that's not gonna fly. But like,

482
00:19:42,920 --> 00:19:45,439
Speaker 4: look at Jess's career. I think she's killing it. I

483
00:19:45,440 --> 00:19:47,560
Speaker 4: mean I'm biased because she works for me, but like

484
00:19:47,720 --> 00:19:49,879
Speaker 4: Jess never went to UNI and he's now the head

485
00:19:49,920 --> 00:19:52,600
Speaker 4: of partnerships, Like killing it.

486
00:19:52,560 --> 00:19:54,040
Speaker 8: Done very well, proud of you.

487
00:19:54,160 --> 00:19:56,280
Speaker 5: She's also a podcast SUPERSTARFF. So there's that.

488
00:19:56,840 --> 00:19:59,840
Speaker 2: Yeah, waty, what's your breake tip though?

489
00:20:00,000 --> 00:20:01,479
Speaker 5: Oh yes, yeah, we want to know yours.

490
00:20:01,600 --> 00:20:04,479
Speaker 7: Okay, So my broke tip this is for if you're

491
00:20:04,520 --> 00:20:06,119
Speaker 7: not wanting to spend any money and you have some

492
00:20:06,320 --> 00:20:08,199
Speaker 7: random bits and pieces in your house.

493
00:20:09,040 --> 00:20:10,080
Speaker 5: Yeah, that's exactly what I.

494
00:20:10,480 --> 00:20:11,440
Speaker 8: Think a lot of people relate.

495
00:20:11,480 --> 00:20:13,479
Speaker 7: Some people literally don't have anything, and that's you know,

496
00:20:13,760 --> 00:20:15,719
Speaker 7: it's not okay, but like that's a reality for some.

497
00:20:15,920 --> 00:20:18,919
Speaker 7: But if you have even a few dollars to grab

498
00:20:18,960 --> 00:20:22,880
Speaker 7: some really basic things from Woolworths or wherever, there's an

499
00:20:22,920 --> 00:20:26,040
Speaker 7: app or a website. One is super cook and one

500
00:20:26,119 --> 00:20:28,520
Speaker 7: is food Wise, I'm sure there are way more out

501
00:20:28,520 --> 00:20:31,840
Speaker 7: there where you can just basically jot in your ingredients,

502
00:20:31,920 --> 00:20:35,280
Speaker 7: random ingredients. So you have one cup of pasta and

503
00:20:35,359 --> 00:20:37,840
Speaker 7: some random tomato sauce and something else, and you're like,

504
00:20:37,840 --> 00:20:38,840
Speaker 7: I don't want to spend any money.

505
00:20:38,880 --> 00:20:40,479
Speaker 8: I'm just going to use what I have here. And

506
00:20:40,520 --> 00:20:41,280
Speaker 8: you chuck it all.

507
00:20:41,160 --> 00:20:45,800
Speaker 7: In there and you search for recipe. Yeah, and then

508
00:20:45,840 --> 00:20:48,520
Speaker 7: it'll like tell you what you can make with those ingredients.

509
00:20:48,560 --> 00:20:49,320
Speaker 8: So I love the hat.

510
00:20:49,760 --> 00:20:51,359
Speaker 7: Yeah, So you don't actually have to go out and

511
00:20:51,359 --> 00:20:53,680
Speaker 7: spend anything. And you know, sometimes you go out and

512
00:20:53,920 --> 00:20:55,400
Speaker 7: you have something in mind that you want to buy

513
00:20:55,560 --> 00:20:58,359
Speaker 7: and you end up buying like your hundredth bottle of

514
00:20:58,440 --> 00:21:00,440
Speaker 7: Cuman because you don't you forget that you have it

515
00:21:00,480 --> 00:21:03,720
Speaker 7: a home. Instead of doing that, you just you stay

516
00:21:03,720 --> 00:21:06,840
Speaker 7: at home, you look through cupboards, you chuck everything into

517
00:21:06,880 --> 00:21:10,399
Speaker 7: this website and it'll generate a recipe. For you and

518
00:21:10,440 --> 00:21:13,120
Speaker 7: you're saving on food waste. You're saving on food waste

519
00:21:13,200 --> 00:21:14,080
Speaker 7: exactly right.

520
00:21:14,720 --> 00:21:17,600
Speaker 2: So that's my one. That's a really good one, really

521
00:21:17,600 --> 00:21:18,120
Speaker 2: really good one.

522
00:21:18,160 --> 00:21:20,640
Speaker 8: Thank you, Thank you, Jazz. I feel so happy.

523
00:21:20,680 --> 00:21:21,200
Speaker 2: I love that.

524
00:21:21,720 --> 00:21:24,840
Speaker 7: Can I add to that please? You can steal herbs, Yes,

525
00:21:24,840 --> 00:21:25,720
Speaker 7: you can steal herbs.

526
00:21:26,000 --> 00:21:30,600
Speaker 4: I mean not from the supermarket that's actually illegal, oh Gosha,

527
00:21:30,640 --> 00:21:33,399
Speaker 4: I will uses cracking down on us, but literally from

528
00:21:33,480 --> 00:21:35,320
Speaker 4: neighbors and stuff. So keep your eyes peel because I

529
00:21:35,320 --> 00:21:37,240
Speaker 4: went on a big walk on the weekend and I

530
00:21:37,280 --> 00:21:39,760
Speaker 4: walked past probably the biggest rosemary bush I've seen in

531
00:21:39,800 --> 00:21:40,880
Speaker 4: my entire life.

532
00:21:40,640 --> 00:21:43,080
Speaker 5: And I was like, oh, this is good to know.

533
00:21:43,440 --> 00:21:45,760
Speaker 4: So coming up to Christmas, I actually this is a

534
00:21:45,800 --> 00:21:48,520
Speaker 4: bit lame, but like I have a rosemary salt recipe

535
00:21:49,000 --> 00:21:51,520
Speaker 4: that we might share with the community. Because you just

536
00:21:51,560 --> 00:21:53,600
Speaker 4: buy you know, those like really big bottles. I think

537
00:21:53,600 --> 00:21:55,840
Speaker 4: they're like a dollar of salt, like the table salt.

538
00:21:56,240 --> 00:21:59,800
Speaker 4: Like we're not talking fancy, like you know, Himalayan salt flakes.

539
00:21:59,840 --> 00:22:02,840
Speaker 5: Like we kin'd of thought that that's fine. Iodized yeah,

540
00:22:02,840 --> 00:22:04,000
Speaker 5: iodized salt.

541
00:22:04,040 --> 00:22:05,679
Speaker 4: We get some of that, We get some rosemary, We

542
00:22:05,760 --> 00:22:08,439
Speaker 4: dry out the rosemary we make rosemary salt that we

543
00:22:08,480 --> 00:22:10,440
Speaker 4: can give as gifts at Christmas.

544
00:22:11,119 --> 00:22:11,880
Speaker 5: So keep your.

545
00:22:11,760 --> 00:22:13,720
Speaker 4: Eyes peeled for the next couple of months for a

546
00:22:13,840 --> 00:22:16,640
Speaker 4: rosemary bush that you could maybe do a little snippy

547
00:22:16,680 --> 00:22:21,360
Speaker 4: snip off, snip, because that could become a really thoughtful,

548
00:22:21,400 --> 00:22:24,560
Speaker 4: heartfelt Christmas present that they could put on their steaks

549
00:22:24,640 --> 00:22:26,760
Speaker 4: or their dinners or literally anything you can talk with

550
00:22:26,840 --> 00:22:32,040
Speaker 4: it is so good. Yes, like literally rim your little

551
00:22:32,080 --> 00:22:36,840
Speaker 4: margarita glass with some rosemary salt. Kiss, she's festive. Just

552
00:22:36,960 --> 00:22:39,919
Speaker 4: don't trespass, Sorry, no, don't trespass. Only if it's like

553
00:22:40,040 --> 00:22:42,200
Speaker 4: in a public garden or someone's front yard.

554
00:22:42,119 --> 00:22:43,600
Speaker 8: Poking out the fence. It's yours.

555
00:22:43,840 --> 00:22:48,120
Speaker 4: It's all yours, somewhere nature street picon exactly.

556
00:22:48,359 --> 00:22:50,600
Speaker 2: Just over and at home listening knows this means that

557
00:22:51,400 --> 00:22:57,639
Speaker 2: Christmas content is You were the first one.

558
00:22:58,040 --> 00:23:03,359
Speaker 4: Jessica is coeen of Christmas, and we have been brainstorming

559
00:23:03,520 --> 00:23:05,960
Speaker 4: all year of like gift ideas that you can make

560
00:23:06,040 --> 00:23:07,080
Speaker 4: that might be really cheap.

561
00:23:07,200 --> 00:23:09,600
Speaker 5: So Jess and I have been hoarding this. Jess has

562
00:23:09,640 --> 00:23:11,960
Speaker 5: wanted who for a very long time, learn how to

563
00:23:12,040 --> 00:23:14,800
Speaker 5: use a sewing machine, and I've been promising to teach

564
00:23:14,840 --> 00:23:17,280
Speaker 5: her how to use mine, but have been putting it

565
00:23:17,359 --> 00:23:20,959
Speaker 5: off because this year we're gonna make wheat bags. How

566
00:23:21,240 --> 00:23:21,800
Speaker 5: we bags.

567
00:23:21,880 --> 00:23:22,600
Speaker 8: That's so cute.

568
00:23:22,720 --> 00:23:23,800
Speaker 5: I love a good wheat bag.

569
00:23:24,119 --> 00:23:27,399
Speaker 4: And with some cheap material from like the opshop or something,

570
00:23:27,800 --> 00:23:30,120
Speaker 4: and some wheat that you get at the pet store

571
00:23:30,200 --> 00:23:32,399
Speaker 4: for like ten dollars for a ten kilo bag, you

572
00:23:32,440 --> 00:23:35,000
Speaker 4: can make a heap of wheat PAGs as presents. I'm

573
00:23:35,040 --> 00:23:36,880
Speaker 4: going to teach Jess how to do that. We've also

574
00:23:36,960 --> 00:23:39,480
Speaker 4: got a number of different recipes like the rosemary salt

575
00:23:39,520 --> 00:23:41,960
Speaker 4: I just mentioned, and a few other really fun things

576
00:23:42,000 --> 00:23:44,800
Speaker 4: that are really cheap but really thoughtful that you could

577
00:23:44,920 --> 00:23:46,760
Speaker 4: do for Christmas because I just feel like Christmas is

578
00:23:46,880 --> 00:23:48,840
Speaker 4: so expensive and it gives me so much anxiety. And

579
00:23:48,880 --> 00:23:51,920
Speaker 4: I know I'm not the only one that'll be some

580
00:23:52,000 --> 00:23:53,920
Speaker 4: really good but we're going to get crafty. We're gonna

581
00:23:53,920 --> 00:23:54,520
Speaker 4: get crafty.

582
00:23:54,720 --> 00:23:58,600
Speaker 2: Yes, I like festa, I love yeah festive broke tips.

583
00:23:58,359 --> 00:24:00,680
Speaker 4: Also on that before we move on and go to

584
00:24:00,760 --> 00:24:03,160
Speaker 4: a break, I mentioned that we're going to do wheat packs,

585
00:24:03,200 --> 00:24:05,280
Speaker 4: So keep your eyes peeled for some lavender bushes you

586
00:24:05,359 --> 00:24:06,960
Speaker 4: could borrow some stems from.

587
00:24:07,000 --> 00:24:09,159
Speaker 2: Yes, and if you have a broke tip that you

588
00:24:09,240 --> 00:24:11,480
Speaker 2: want to share with back send it through to her

589
00:24:11,640 --> 00:24:13,680
Speaker 2: or to the Shes and the Money Instagram because we

590
00:24:13,800 --> 00:24:16,000
Speaker 2: love sharing yours as well as backsone we love.

591
00:24:16,200 --> 00:24:19,120
Speaker 5: We might do a shout out on the Instagram stories

592
00:24:19,200 --> 00:24:21,920
Speaker 5: today so that we can collect some more brogue tips

593
00:24:21,960 --> 00:24:23,600
Speaker 5: to share as well. Theck what do you reckon?

594
00:24:23,640 --> 00:24:23,760
Speaker 2: Oh?

595
00:24:23,760 --> 00:24:24,760
Speaker 8: Would love that? That'd be nice.

596
00:24:24,800 --> 00:24:25,760
Speaker 5: Ah, they're my favorite.

597
00:24:25,760 --> 00:24:27,480
Speaker 4: All right, let's go to a really quick break and

598
00:24:27,560 --> 00:24:29,400
Speaker 4: on the flip side, we're going to be talking about

599
00:24:29,680 --> 00:24:32,800
Speaker 4: how will work credit card might impact your credit score

600
00:24:33,000 --> 00:24:34,840
Speaker 4: and we're going to be unpacking something you slid into

601
00:24:34,880 --> 00:24:35,600
Speaker 4: our DMS about.

602
00:24:35,640 --> 00:24:36,800
Speaker 5: This week, we're chatting.

603
00:24:36,600 --> 00:24:40,240
Speaker 4: About being financially taken advantage of in a new relationship.

604
00:24:40,320 --> 00:24:42,000
Speaker 5: So guys, don't go anywhere.

605
00:24:46,960 --> 00:24:49,760
Speaker 2: Welcome back, everybody. Let's listen to this sweets money dilemma.

606
00:24:51,880 --> 00:24:54,200
Speaker 5: Hi. There, have you got a money dilemma you just

607
00:24:54,280 --> 00:24:56,800
Speaker 5: can't solve? The Sheese on the Money team is here

608
00:24:56,880 --> 00:24:57,200
Speaker 5: to help.

609
00:24:57,600 --> 00:25:00,720
Speaker 4: Every week we tackle your dilemmas bo again small to

610
00:25:00,800 --> 00:25:04,000
Speaker 4: answer your most burning money, career and life questions. To

611
00:25:04,080 --> 00:25:06,639
Speaker 4: get involved, simply head to our website and leave us

612
00:25:06,640 --> 00:25:09,000
Speaker 4: a short voice recording and you might just find yourself

613
00:25:09,080 --> 00:25:09,560
Speaker 4: on the show.

614
00:25:10,000 --> 00:25:12,640
Speaker 5: Now, let's take a listen to this week's money dilemma.

615
00:25:15,720 --> 00:25:18,640
Speaker 6: Hi, she's on the money. I'm currently saving for a house,

616
00:25:18,720 --> 00:25:20,840
Speaker 6: but I've also reached a position at work where I

617
00:25:20,880 --> 00:25:23,400
Speaker 6: can have a work credit card. Having a work credit

618
00:25:23,480 --> 00:25:25,359
Speaker 6: card will make things a lot easier for me. But

619
00:25:25,440 --> 00:25:27,200
Speaker 6: I can't help but wonder how having this in my

620
00:25:27,320 --> 00:25:30,359
Speaker 6: name will impact me? Will it impact my borrowing power

621
00:25:30,840 --> 00:25:33,080
Speaker 6: or ability to have my own credit card one day?

622
00:25:33,600 --> 00:25:36,200
Speaker 6: And what happens if my workplace doesn't make a payment

623
00:25:36,280 --> 00:25:38,399
Speaker 6: on time. I'd love if you could help me with

624
00:25:38,560 --> 00:25:40,199
Speaker 6: this or guide me to a place where I can

625
00:25:40,280 --> 00:25:42,000
Speaker 6: find this information. Thank you.

626
00:25:42,400 --> 00:25:44,440
Speaker 2: All I can say is, as the person who used

627
00:25:44,480 --> 00:25:46,800
Speaker 2: to have to reconcile credit cards for a team of

628
00:25:46,880 --> 00:25:50,440
Speaker 2: over fifteen people, don't be the person who doesn't keep

629
00:25:50,480 --> 00:25:52,879
Speaker 2: track of their receipts. Keep your receipts, please, for the

630
00:25:52,960 --> 00:25:55,720
Speaker 2: love of God, for whoever's doing that admin ha ha.

631
00:25:56,080 --> 00:25:58,200
Speaker 2: I can't tell you how many times I'd be hey

632
00:25:58,240 --> 00:25:59,800
Speaker 2: back if you gore your receipts and that person would

633
00:25:59,800 --> 00:26:03,240
Speaker 2: be like, I'm just missing his life. Got maybe four

634
00:26:03,320 --> 00:26:05,200
Speaker 2: of them, and I'm like, you have sixteen charges for

635
00:26:05,359 --> 00:26:07,119
Speaker 2: oh no, keep tracking your receipts.

636
00:26:07,160 --> 00:26:15,200
Speaker 5: Please, sorry at Daxed on my own podcast. That's why

637
00:26:15,200 --> 00:26:16,560
Speaker 5: I beck. I don't know if you've noticed it.

638
00:26:16,640 --> 00:26:18,440
Speaker 4: Anytime we ever go out for lunch or something and

639
00:26:18,520 --> 00:26:20,520
Speaker 4: I like tap my card, they're like, do you want

640
00:26:20,560 --> 00:26:22,240
Speaker 4: a receipt? And I'm like, no, Jess or that yell

641
00:26:22,280 --> 00:26:25,359
Speaker 4: over my shoulder yes, and then she'll like snatch it,

642
00:26:26,240 --> 00:26:28,760
Speaker 4: take it away because she's just like so sick.

643
00:26:28,560 --> 00:26:31,119
Speaker 5: Of my shit. She's just like, how do you never remember?

644
00:26:31,160 --> 00:26:33,000
Speaker 5: I'm like, oh, I just forget. I'm so sorry, Like

645
00:26:33,080 --> 00:26:34,600
Speaker 5: I don't want the receipt, I don't need it, and

646
00:26:34,640 --> 00:26:36,440
Speaker 5: she's like, it's a work expense. We've been doing this

647
00:26:36,600 --> 00:26:38,080
Speaker 5: for years, so I just stop it.

648
00:26:38,960 --> 00:26:42,640
Speaker 4: But let's get back to it. So, ultimately, it depends

649
00:26:42,680 --> 00:26:45,240
Speaker 4: on the structure. You need to be very clear on

650
00:26:45,520 --> 00:26:49,800
Speaker 4: who the corporate credit holder is. So in this circumstance,

651
00:26:50,280 --> 00:26:53,360
Speaker 4: best example is my girls at work, because Jess obviously

652
00:26:53,440 --> 00:26:55,359
Speaker 4: does a lot of stuff that needs to be paid for,

653
00:26:55,840 --> 00:26:58,720
Speaker 4: they have credit cards. Those credit cards have their names

654
00:26:58,760 --> 00:27:02,480
Speaker 4: on them, but the corporate credit card holder is me.

655
00:27:03,080 --> 00:27:06,960
Speaker 4: It will never be Jess's responsibility to pay off that debt.

656
00:27:07,160 --> 00:27:08,440
Speaker 5: It is not in her name.

657
00:27:08,920 --> 00:27:12,560
Speaker 4: Yes, she authorized the payment, but I am the primary

658
00:27:12,680 --> 00:27:16,440
Speaker 4: card holder and she is the secondary card holder. So essentially,

659
00:27:17,040 --> 00:27:19,439
Speaker 4: don't do this, Jessica. She could rack up as much

660
00:27:19,480 --> 00:27:22,280
Speaker 4: as she wanted and it's my responsibility. It doesn't actually

661
00:27:22,359 --> 00:27:25,000
Speaker 4: impact her credit score. It will impact my credit score

662
00:27:25,119 --> 00:27:27,639
Speaker 4: if I don't pay it off, or my business's credit score.

663
00:27:28,000 --> 00:27:30,720
Speaker 4: So it's really important to understand the structure of a

664
00:27:30,800 --> 00:27:34,920
Speaker 4: credit card. If your employer goes, hey, Jessica, you need

665
00:27:35,040 --> 00:27:38,840
Speaker 4: a credit card to work here to do you know payments?

666
00:27:39,280 --> 00:27:40,160
Speaker 5: Can you go get one?

667
00:27:40,359 --> 00:27:40,560
Speaker 2: Nah?

668
00:27:41,200 --> 00:27:41,760
Speaker 5: No, I can't.

669
00:27:42,040 --> 00:27:42,639
Speaker 2: Red flag.

670
00:27:42,720 --> 00:27:45,760
Speaker 4: Red flag absolutely not because for me, that should never

671
00:27:45,840 --> 00:27:48,600
Speaker 4: be in Jess's name, because it is not her responsibility.

672
00:27:48,880 --> 00:27:51,440
Speaker 4: I have a lot of thoughts and feelings about reimbursements

673
00:27:51,480 --> 00:27:54,600
Speaker 4: as well, like jess can probably talk you through how

674
00:27:54,640 --> 00:27:57,840
Speaker 4: I feel about that, but I do not like it

675
00:27:57,960 --> 00:28:01,159
Speaker 4: when my team has to be financial out for an

676
00:28:01,200 --> 00:28:03,280
Speaker 4: expense that is for my business that is not on

677
00:28:03,440 --> 00:28:07,280
Speaker 4: jess like. And I find that so wild because I

678
00:28:07,400 --> 00:28:09,760
Speaker 4: used to work in consulting and I used to travel

679
00:28:09,760 --> 00:28:12,240
Speaker 4: a lot for my culture and engagement work, right, and

680
00:28:12,480 --> 00:28:15,240
Speaker 4: it used to drive me bonkers that I would have

681
00:28:15,400 --> 00:28:17,879
Speaker 4: to have a credit card for work to put a

682
00:28:17,960 --> 00:28:20,000
Speaker 4: hold on the hotel room that I was staying in,

683
00:28:20,160 --> 00:28:22,359
Speaker 4: and I mean I always got it back. But like

684
00:28:23,000 --> 00:28:25,600
Speaker 4: as you guys know a little bit about my money stories,

685
00:28:25,680 --> 00:28:28,359
Speaker 4: I was in lots of debt. Money was scary, money

686
00:28:28,480 --> 00:28:30,920
Speaker 4: was overwhelming. I didn't have that much of it. And

687
00:28:31,080 --> 00:28:33,200
Speaker 4: for a credit card company to put one hundred dollar

688
00:28:33,280 --> 00:28:35,480
Speaker 4: or two hundred dollars hold on my credit card, that

689
00:28:35,600 --> 00:28:37,399
Speaker 4: mean I couldn't use it because I didn't actually have

690
00:28:37,520 --> 00:28:39,600
Speaker 4: any more space on it. Yeah, I'd always make sure

691
00:28:39,640 --> 00:28:41,200
Speaker 4: that I had enough space on it so that I

692
00:28:41,240 --> 00:28:44,400
Speaker 4: could work, but that should not have been my responsibility.

693
00:28:44,600 --> 00:28:47,080
Speaker 4: It should have been at my employer's responsibility to give

694
00:28:47,120 --> 00:28:49,160
Speaker 4: me a work credit card so that I could function

695
00:28:49,560 --> 00:28:51,560
Speaker 4: and work for the business, because that wasn't an.

696
00:28:51,480 --> 00:28:52,400
Speaker 5: Expense that I had.

697
00:28:52,760 --> 00:28:54,600
Speaker 4: I also used to have to keep track of all

698
00:28:54,640 --> 00:28:57,640
Speaker 4: my meals and then submit my receipts to get paid

699
00:28:57,800 --> 00:28:58,560
Speaker 4: back for them.

700
00:28:58,680 --> 00:29:03,680
Speaker 2: Yeah. Oh, which particularly because most companies reconcile monthly, like

701
00:29:03,800 --> 00:29:05,720
Speaker 2: I was doing those credit cards that I was talking about,

702
00:29:05,760 --> 00:29:07,680
Speaker 2: like on a monthly basis, that means for a full

703
00:29:07,760 --> 00:29:10,960
Speaker 2: thirty ish days, you're without those funds. You're not occurring

704
00:29:11,040 --> 00:29:13,160
Speaker 2: interest on those funds, Like that's a long time.

705
00:29:13,160 --> 00:29:15,480
Speaker 4: Exactly, the money that I've made is no longer making

706
00:29:15,520 --> 00:29:17,560
Speaker 4: money because it's not setting in a high interest savings

707
00:29:17,600 --> 00:29:20,160
Speaker 4: account or in my investment or whatever. And that's actually

708
00:29:20,360 --> 00:29:22,880
Speaker 4: an opportunity cost that you're missing out on. And I

709
00:29:23,000 --> 00:29:26,520
Speaker 4: don't think that's good enough. But also, if Jess has

710
00:29:26,600 --> 00:29:28,880
Speaker 4: to travel for work, is it just this responsibility to

711
00:29:28,920 --> 00:29:29,520
Speaker 4: pay for the room.

712
00:29:29,600 --> 00:29:32,120
Speaker 2: I would say arguably not, but I have I have

713
00:29:32,240 --> 00:29:33,360
Speaker 2: a very good no.

714
00:29:33,680 --> 00:29:36,800
Speaker 4: But also it's a simple structure because at the end

715
00:29:36,800 --> 00:29:39,160
Speaker 4: of the day, if your business is saying, oh, will

716
00:29:39,240 --> 00:29:41,160
Speaker 4: reimburse you, they're saying they've got the money for it

717
00:29:41,240 --> 00:29:41,640
Speaker 4: to begin with.

718
00:29:41,800 --> 00:29:43,840
Speaker 5: Just change your structure. It doesn't cost you anymore.

719
00:29:44,120 --> 00:29:47,719
Speaker 4: In fact, Jess having a credit card makes me points,

720
00:29:49,280 --> 00:29:51,880
Speaker 4: so like I get points on all of the transactions

721
00:29:51,920 --> 00:29:55,160
Speaker 4: and Jess doesn't. Whereas if Jess was using her personal card,

722
00:29:55,240 --> 00:29:57,680
Speaker 4: which she might want you because she's obsessed with bloody

723
00:29:57,760 --> 00:30:00,960
Speaker 4: velocity points. I swear to God, she waits until she

724
00:30:01,040 --> 00:30:03,680
Speaker 4: can get the most amount of velocity off frequent flyer points.

725
00:30:03,760 --> 00:30:07,880
Speaker 4: Like this woman is crazy like flybys in her two peas.

726
00:30:07,720 --> 00:30:08,120
Speaker 2: In a pod.

727
00:30:08,320 --> 00:30:12,760
Speaker 5: Best is yeah, like I can't like she wants the points. No, no, no,

728
00:30:12,840 --> 00:30:13,240
Speaker 5: they're for me.

729
00:30:13,360 --> 00:30:17,920
Speaker 4: Sorry, yeah, okay, sorry, Yeah, but I think yeah, I

730
00:30:17,960 --> 00:30:21,360
Speaker 4: guess back to the question, you need to understand the structure. Obviously,

731
00:30:21,400 --> 00:30:23,320
Speaker 4: If your employe is asking you to get a credit

732
00:30:23,400 --> 00:30:25,360
Speaker 4: card in your name to pay for that, I think

733
00:30:25,400 --> 00:30:27,720
Speaker 4: that's a red flag and you should say no, actually,

734
00:30:27,800 --> 00:30:30,480
Speaker 4: can you please make me an authorized card holder on

735
00:30:30,600 --> 00:30:36,440
Speaker 4: one of the business accounts because it's actually not your responsibility. Yeah, great, great, great,

736
00:30:36,600 --> 00:30:40,880
Speaker 4: not your responsibility and not your responsibility. No, absolutely no.

737
00:30:41,160 --> 00:30:44,400
Speaker 4: If no, she didn't give us enough context. So that's

738
00:30:44,400 --> 00:30:47,360
Speaker 4: why I'm saying there's probably two different structures. And I

739
00:30:47,440 --> 00:30:50,520
Speaker 4: mean lots of businesses operate on the reimbursement model, and

740
00:30:50,600 --> 00:30:52,160
Speaker 4: I mean I don't want to throw too many under

741
00:30:52,200 --> 00:30:55,240
Speaker 4: a bus. Yes, I don't think it is technically too fair,

742
00:30:55,360 --> 00:30:58,040
Speaker 4: but it's also a trust thing. Like a business might

743
00:30:58,120 --> 00:31:00,760
Speaker 4: not be that comfortable issuing Jess with a credit card

744
00:31:00,800 --> 00:31:03,080
Speaker 4: because she could wrap up a heap of debt.

745
00:31:03,280 --> 00:31:04,720
Speaker 2: Yeah, especially you're a brand new employe.

746
00:31:04,800 --> 00:31:06,680
Speaker 4: Yeah, if you're a brand new employee you haven't passed

747
00:31:06,800 --> 00:31:08,720
Speaker 4: like probation or something, they might go, oh, you have

748
00:31:08,840 --> 00:31:10,920
Speaker 4: trouble for work will reimburse you, and that's their way

749
00:31:10,960 --> 00:31:13,400
Speaker 4: of making sure that you're not taking the mickey out

750
00:31:13,440 --> 00:31:16,520
Speaker 4: of a work credit card and like protecting themselves and

751
00:31:16,680 --> 00:31:18,600
Speaker 4: like covering their own risks. So it's a bit of

752
00:31:18,640 --> 00:31:20,840
Speaker 4: a double edged sword because you can see where it's

753
00:31:20,880 --> 00:31:21,400
Speaker 4: coming from.

754
00:31:21,480 --> 00:31:21,960
Speaker 8: But from my.

755
00:31:22,040 --> 00:31:25,120
Speaker 4: Perspective, why are you hiring people you don't trust? Weird flexwit?

756
00:31:25,200 --> 00:31:25,520
Speaker 2: Okay?

757
00:31:26,080 --> 00:31:26,360
Speaker 7: True?

758
00:31:27,200 --> 00:31:28,800
Speaker 2: Also, about five minutes ago, I would just like to

759
00:31:28,840 --> 00:31:30,600
Speaker 2: clarify you said, nah can't.

760
00:31:31,240 --> 00:31:33,200
Speaker 8: I heard the same thing just for.

761
00:31:33,240 --> 00:31:38,760
Speaker 2: Anyone listening at homegoing Victoria Divide. You said, nah can't.

762
00:31:39,080 --> 00:31:41,000
Speaker 2: But just you're in a bit of a you're in

763
00:31:41,000 --> 00:31:43,280
Speaker 2: a bit of a flow and oh my.

764
00:31:43,520 --> 00:31:48,520
Speaker 5: God, my parents don't listen to this podcast. Don't get cancels.

765
00:31:48,920 --> 00:31:50,960
Speaker 2: We're marking it as a clean podcast.

766
00:31:51,600 --> 00:31:53,960
Speaker 1: A n y.

767
00:31:55,760 --> 00:31:56,280
Speaker 5: Alky.

768
00:31:56,480 --> 00:31:58,320
Speaker 4: Well, I guess it's time to move on to our

769
00:31:58,360 --> 00:32:02,760
Speaker 4: community d m P. This week we had a brilliant

770
00:32:02,840 --> 00:32:05,840
Speaker 4: community call out. We received a DM and it sounded

771
00:32:05,880 --> 00:32:08,640
Speaker 4: a lot like this because I'm reading it for Betam

772
00:32:08,880 --> 00:32:10,240
Speaker 4: so it said I need some advice.

773
00:32:10,360 --> 00:32:10,680
Speaker 5: Girls.

774
00:32:10,840 --> 00:32:13,800
Speaker 4: My mum has started dating a new partner after years

775
00:32:13,840 --> 00:32:17,200
Speaker 4: of being single. Get it, mum, she seems really happy,

776
00:32:17,360 --> 00:32:19,920
Speaker 4: but is totally naive to the fact that this person

777
00:32:20,120 --> 00:32:23,160
Speaker 4: is taking advantage of her and her money. They have

778
00:32:23,280 --> 00:32:25,560
Speaker 4: been in a relationship for about eight months and the

779
00:32:25,640 --> 00:32:28,479
Speaker 4: partner has already moved in with her. Her partner does

780
00:32:28,560 --> 00:32:31,640
Speaker 4: not contribute any rent, nor paid bills or groceries. They

781
00:32:31,720 --> 00:32:33,880
Speaker 4: have gone on holidays and Mom has paid for the

782
00:32:34,200 --> 00:32:37,400
Speaker 4: entire thing, and she always pays for their dinners out.

783
00:32:37,960 --> 00:32:40,160
Speaker 4: This person has a full time job, so I don't

784
00:32:40,200 --> 00:32:43,000
Speaker 4: see why they can't contribute equally to this relationship.

785
00:32:43,440 --> 00:32:46,320
Speaker 5: I think she's blinded by her new found happiness.

786
00:32:45,960 --> 00:32:49,320
Speaker 4: And companionship, and I'm really worried she's putting herself in

787
00:32:49,440 --> 00:32:52,880
Speaker 4: a bad financial situation, as it's not sustainable to her

788
00:32:53,000 --> 00:32:55,600
Speaker 4: to support both of them. I don't want to hurt

789
00:32:55,680 --> 00:32:58,680
Speaker 4: her feelings, but I feel like I need to say something.

790
00:32:58,840 --> 00:33:01,560
Speaker 4: Do you have any advice on how I could navigate

791
00:33:01,640 --> 00:33:02,440
Speaker 4: this conversation?

792
00:33:04,080 --> 00:33:04,760
Speaker 2: So tricky?

793
00:33:04,920 --> 00:33:07,360
Speaker 5: This is very tricky, so spicy.

794
00:33:08,400 --> 00:33:12,480
Speaker 2: It's hard because to me, there's kind of two elements

795
00:33:12,520 --> 00:33:14,440
Speaker 2: to this, like if it was your friend, if it

796
00:33:14,520 --> 00:33:16,280
Speaker 2: was your mum, if it was someone, if it's anyone

797
00:33:16,360 --> 00:33:19,160
Speaker 2: you know, I think, and you care about them, you

798
00:33:19,280 --> 00:33:21,200
Speaker 2: want to flag these things with them, and you want

799
00:33:21,240 --> 00:33:23,320
Speaker 2: to in this situation definitely, I think go about it

800
00:33:23,400 --> 00:33:27,080
Speaker 2: in a kind and gentle way. The other side of

801
00:33:27,120 --> 00:33:30,920
Speaker 2: it is, you also can't tell somebody how to spend

802
00:33:30,960 --> 00:33:32,640
Speaker 2: their money or how to live their life, and what

803
00:33:32,880 --> 00:33:36,280
Speaker 2: from the external might look like someone being taken advantage

804
00:33:36,320 --> 00:33:40,080
Speaker 2: of if they're aware of these expenses, if they're conscious

805
00:33:40,120 --> 00:33:42,440
Speaker 2: of them, there is also the possibility that they are

806
00:33:42,520 --> 00:33:45,520
Speaker 2: happy with that arrangement. And I think like it's the

807
00:33:45,640 --> 00:33:48,480
Speaker 2: daughter's job to say, hey, like, have you thought about

808
00:33:48,520 --> 00:33:51,760
Speaker 2: the implications of this, what's the plan long term? Have

809
00:33:51,960 --> 00:33:54,800
Speaker 2: you given it any consideration? Because I just want to

810
00:33:54,800 --> 00:33:56,440
Speaker 2: make sure that you're going to be okay and that

811
00:33:57,080 --> 00:34:01,040
Speaker 2: you know things are somewhat equitable or equal. But then

812
00:34:01,040 --> 00:34:04,640
Speaker 2: at the same time, for example, if the mum earns

813
00:34:04,800 --> 00:34:07,560
Speaker 2: heaps more than the partner, maybe she is going, oh, well,

814
00:34:07,600 --> 00:34:10,000
Speaker 2: I'm really happy to pay for these things because I

815
00:34:10,280 --> 00:34:12,920
Speaker 2: like these certain things. I've become accustomed to this lifestyle

816
00:34:13,040 --> 00:34:16,400
Speaker 2: as a previously independent woman. So it's kind of like,

817
00:34:16,520 --> 00:34:18,840
Speaker 2: I think you should absolutely have a conversation because I

818
00:34:18,880 --> 00:34:22,719
Speaker 2: think in any circumstance like this, you're better off flagging

819
00:34:22,920 --> 00:34:25,920
Speaker 2: a potential risk than not, because you would hate to

820
00:34:25,960 --> 00:34:27,640
Speaker 2: not flag it and then have it go badly. I

821
00:34:27,680 --> 00:34:30,640
Speaker 2: think if you love someone, you should always be comfortable

822
00:34:30,680 --> 00:34:32,640
Speaker 2: bringing these things up, and I think that needs to

823
00:34:32,680 --> 00:34:34,960
Speaker 2: be done gently and with kindness and in a way

824
00:34:35,000 --> 00:34:38,319
Speaker 2: that is supportive, not aggressive or you know, a bit

825
00:34:38,480 --> 00:34:40,160
Speaker 2: like what are you doing or anything like that. I

826
00:34:40,200 --> 00:34:40,960
Speaker 2: don't think that's well.

827
00:34:41,040 --> 00:34:43,600
Speaker 4: I think we need a bit more context around the relationship,

828
00:34:43,640 --> 00:34:45,919
Speaker 4: because do you have like beef with this dude that's

829
00:34:46,000 --> 00:34:49,160
Speaker 4: come in like already, like you're already talking to Mum

830
00:34:49,200 --> 00:34:51,680
Speaker 4: being like I don't really like him, he takes advantage

831
00:34:51,719 --> 00:34:54,040
Speaker 4: of you, but you haven't really mentioned the financial part,

832
00:34:54,160 --> 00:34:56,640
Speaker 4: and then this is like another layer if so it

833
00:34:56,760 --> 00:34:58,800
Speaker 4: needs a bit more of a balanced conversation, or is

834
00:34:58,840 --> 00:35:00,680
Speaker 4: this something where you're like, oh, here's a really great guy,

835
00:35:00,800 --> 00:35:03,359
Speaker 4: but also Mum by the way. So I think it's

836
00:35:03,760 --> 00:35:06,000
Speaker 4: there's a bit more context that needs to play into it.

837
00:35:06,120 --> 00:35:07,840
Speaker 4: But as you said, Jess, I think if you're in

838
00:35:07,880 --> 00:35:10,520
Speaker 4: a circumstance where you love and trust someone, I would

839
00:35:10,520 --> 00:35:12,440
Speaker 4: always bring it up. I'm the type of person that

840
00:35:12,719 --> 00:35:15,560
Speaker 4: I'd prefer you to be mad at me for me

841
00:35:15,719 --> 00:35:18,239
Speaker 4: caring about your well being like if I thought Jess

842
00:35:18,440 --> 00:35:20,680
Speaker 4: was in a situation that I didn't like. I know,

843
00:35:20,800 --> 00:35:22,560
Speaker 4: Jess is probably not going to like me bringing it up,

844
00:35:22,560 --> 00:35:25,080
Speaker 4: but I'd be like, hey, I just feel like X

845
00:35:25,200 --> 00:35:27,160
Speaker 4: y Z, and same with you, Beck, Like I would

846
00:35:27,200 --> 00:35:29,799
Speaker 4: bring it up even if it made you a little

847
00:35:29,840 --> 00:35:31,920
Speaker 4: bit mad at me, because I would prefer to be

848
00:35:32,040 --> 00:35:34,000
Speaker 4: in a circumstance where you're mad at me, but you're

849
00:35:34,080 --> 00:35:37,880
Speaker 4: safe and you're happy and you're being respected. And I

850
00:35:37,960 --> 00:35:40,080
Speaker 4: think that that's where it comes from, because that's how

851
00:35:40,160 --> 00:35:41,680
Speaker 4: I would frame it. I'd be like, hey, Beck, I

852
00:35:41,760 --> 00:35:44,360
Speaker 4: know you could think that I'm really overstepping here and

853
00:35:44,440 --> 00:35:47,000
Speaker 4: it's totally none of my business, but I can't get

854
00:35:47,000 --> 00:35:49,400
Speaker 4: it off my mind. Here are my thoughts and feelings.

855
00:35:49,800 --> 00:35:51,759
Speaker 4: Do what you wish with them, and I think that

856
00:35:51,880 --> 00:35:54,920
Speaker 4: that's it. But not everybody is like that. Yeah, I

857
00:35:55,040 --> 00:35:58,240
Speaker 4: think it's a hard situation to navigate.

858
00:35:58,280 --> 00:35:58,800
Speaker 5: What would you do?

859
00:35:58,880 --> 00:35:59,640
Speaker 8: But it is a hard one.

860
00:35:59,719 --> 00:36:01,560
Speaker 7: Actually, I think I want to be a sugar daddy,

861
00:36:01,600 --> 00:36:03,200
Speaker 7: So this is a situation where but so it might

862
00:36:03,239 --> 00:36:05,120
Speaker 7: be this situation where someone wants to be you know,

863
00:36:05,719 --> 00:36:08,480
Speaker 7: financially submissive or whatever the term is. They could be

864
00:36:08,560 --> 00:36:10,800
Speaker 7: that exactly what you're saying. Yes, maybe not exactly what

865
00:36:11,040 --> 00:36:13,960
Speaker 7: kind of Maybe it's king we don't want to yuck

866
00:36:13,960 --> 00:36:16,320
Speaker 7: anyone's yam. It could be that situation. But also, and

867
00:36:16,760 --> 00:36:18,440
Speaker 7: this kind of comes from I listened to the podcast

868
00:36:18,600 --> 00:36:20,560
Speaker 7: Something Was Wrong. They talk about a lot about like

869
00:36:20,719 --> 00:36:26,720
Speaker 7: abusive relationships and sometimes financially situationally like it's my favorite podcast,

870
00:36:27,040 --> 00:36:29,560
Speaker 7: and so I guess, like, I mean, sorry, other than

871
00:36:29,600 --> 00:36:34,280
Speaker 7: this one, Nope, that this is extremely awkward.

872
00:36:34,360 --> 00:36:35,120
Speaker 8: I'm so sorry.

873
00:36:35,800 --> 00:36:42,000
Speaker 7: But obviously without saying but no, but they do talk

874
00:36:42,000 --> 00:36:43,600
Speaker 7: about this kind of thing, and I guess like, so

875
00:36:43,719 --> 00:36:45,920
Speaker 7: this is more not really financial advice, This is more

876
00:36:46,000 --> 00:36:47,920
Speaker 7: just like emotional and relationship advice.

877
00:36:48,040 --> 00:36:50,759
Speaker 8: So exactly as you guys are saying, definitely, you know,

878
00:36:50,840 --> 00:36:51,319
Speaker 8: bring it up.

879
00:36:51,640 --> 00:36:53,359
Speaker 7: But as long as the person, as long as your

880
00:36:53,440 --> 00:36:57,640
Speaker 7: mum in this situation knows that you will always be

881
00:36:57,760 --> 00:37:00,560
Speaker 7: there no matter what happens, and if and if she

882
00:37:00,960 --> 00:37:03,080
Speaker 7: is staying with this person, if she is in a

883
00:37:03,239 --> 00:37:06,279
Speaker 7: bad situation, if she stays with this person for many

884
00:37:06,360 --> 00:37:10,239
Speaker 7: many years, you will consistently, always forever be there as

885
00:37:10,320 --> 00:37:13,560
Speaker 7: the safety blanket. Also, you know, when you're dating someone

886
00:37:13,719 --> 00:37:16,040
Speaker 7: and there are some little red flags that you don't

887
00:37:16,040 --> 00:37:18,600
Speaker 7: start telling your friends about because you don't want them

888
00:37:18,640 --> 00:37:22,600
Speaker 7: to dislike your partner. Yeah, so opening that communication and

889
00:37:22,680 --> 00:37:25,719
Speaker 7: being like, hey, you're allowed event here and I'm not

890
00:37:25,800 --> 00:37:28,040
Speaker 7: going to dislike your partner. Let's just talk about this

891
00:37:28,200 --> 00:37:32,919
Speaker 7: person like their maybe have no chill, but let's let's

892
00:37:33,040 --> 00:37:36,719
Speaker 7: remain completely indifferent about like who the person is and

893
00:37:36,840 --> 00:37:38,880
Speaker 7: all this kind of thing. Just just be I agree

894
00:37:39,160 --> 00:37:42,080
Speaker 7: as like, put you know, as little pressure on them

895
00:37:42,120 --> 00:37:44,400
Speaker 7: as possible, and just be consistent and be kind and

896
00:37:44,600 --> 00:37:49,560
Speaker 7: exactly saying patient and open and hopefully they'll I mean,

897
00:37:49,600 --> 00:37:51,960
Speaker 7: they have to find their own way. If this is

898
00:37:52,000 --> 00:37:53,480
Speaker 7: a problem, they'll have to find their own way out.

899
00:37:53,520 --> 00:37:57,759
Speaker 7: They won't listen to anyone unfortunately most likely just being

900
00:37:57,800 --> 00:37:59,560
Speaker 7: there for every step, and I think.

901
00:38:00,560 --> 00:38:03,680
Speaker 2: Or sprinkling in some resources where relevant, like oh, like

902
00:38:03,760 --> 00:38:06,360
Speaker 2: I listened to this really great podcast that talks about

903
00:38:06,840 --> 00:38:09,600
Speaker 2: you know, financial money and relationships in the different ways

904
00:38:09,600 --> 00:38:11,680
Speaker 2: that you can handle that. Or I saw this really

905
00:38:11,719 --> 00:38:14,680
Speaker 2: great article that somebody wrote about equity and this and that,

906
00:38:14,960 --> 00:38:19,239
Speaker 2: or just I think checking in, like don't have the

907
00:38:19,280 --> 00:38:22,120
Speaker 2: conversation once and then be done with it. I think

908
00:38:22,560 --> 00:38:26,120
Speaker 2: if you're worried, people also do have gut instincts where

909
00:38:26,160 --> 00:38:29,400
Speaker 2: protective of the people that we love. Monitor the situation

910
00:38:29,719 --> 00:38:31,239
Speaker 2: from a little bit of a distance and just keep

911
00:38:31,239 --> 00:38:32,680
Speaker 2: an eye on it, and keep an eye out for

912
00:38:32,719 --> 00:38:34,920
Speaker 2: any additional red flag, and don't be afraid to just

913
00:38:35,000 --> 00:38:36,799
Speaker 2: check back in and be like, how are things going?

914
00:38:36,960 --> 00:38:39,360
Speaker 2: Oh my gosh, Like I've read this thing and it

915
00:38:39,480 --> 00:38:41,600
Speaker 2: made me think about you guys, or I just wanted

916
00:38:41,640 --> 00:38:44,040
Speaker 2: to see how you were going with everything, because I

917
00:38:44,120 --> 00:38:46,360
Speaker 2: think as well as you were saying, like, if it

918
00:38:46,760 --> 00:38:50,120
Speaker 2: is a negative thing, if this is a potentially abusive

919
00:38:50,160 --> 00:38:53,120
Speaker 2: relationship or a relationship where someone is being taken advantage of,

920
00:38:53,640 --> 00:38:56,319
Speaker 2: it will potentially get worse over time. It might take

921
00:38:56,400 --> 00:38:58,880
Speaker 2: them a while to find out how they feel, and

922
00:38:59,040 --> 00:39:01,680
Speaker 2: maybe that's when they'll need help them. In those types

923
00:39:01,719 --> 00:39:05,480
Speaker 2: of relationships, often the thing that the abuser does is

924
00:39:05,640 --> 00:39:07,920
Speaker 2: cut off your ties to people. So yes, don't let

925
00:39:07,960 --> 00:39:09,920
Speaker 2: them do that to you. But at the same time,

926
00:39:10,040 --> 00:39:12,359
Speaker 2: as I said, that's not necessarily the case, Like it's

927
00:39:12,640 --> 00:39:15,800
Speaker 2: really hard to know without observing what side of the

928
00:39:15,880 --> 00:39:18,560
Speaker 2: table this falls on, and so I think it's for

929
00:39:18,680 --> 00:39:22,160
Speaker 2: our listener just about having the conversation and as you said,

930
00:39:22,200 --> 00:39:25,600
Speaker 2: reminding their mum that they're there and just keeping an

931
00:39:25,600 --> 00:39:27,520
Speaker 2: eye on things the best you can, because also you're

932
00:39:27,600 --> 00:39:30,320
Speaker 2: the child in a situation. There's only so much that

933
00:39:30,400 --> 00:39:32,759
Speaker 2: you can do to parent your parent, you know what

934
00:39:32,800 --> 00:39:33,560
Speaker 2: I mean totally.

935
00:39:33,840 --> 00:39:35,640
Speaker 5: You said it really well before.

936
00:39:36,000 --> 00:39:39,279
Speaker 4: You're not privy to the relationship, like and that's just it,

937
00:39:39,640 --> 00:39:41,960
Speaker 4: Like you might see it as an outsider, but like

938
00:39:42,160 --> 00:39:44,480
Speaker 4: Beck and I have this relationship and we've actually talked

939
00:39:44,520 --> 00:39:46,080
Speaker 4: about it and I'm really comfy with it, and you

940
00:39:46,200 --> 00:39:48,359
Speaker 4: just don't know that because to be honest, it's none

941
00:39:48,400 --> 00:39:50,080
Speaker 4: of your business in a way, like why would your

942
00:39:50,160 --> 00:39:52,799
Speaker 4: mum announce that? But I think the important thing here

943
00:39:53,239 --> 00:39:56,680
Speaker 4: for me is really around the expectation, Like is that

944
00:39:56,840 --> 00:39:59,919
Speaker 4: person expecting your mum to cough up every single time?

945
00:40:00,280 --> 00:40:03,480
Speaker 4: Or has that been a pre I guess meditated conversation.

946
00:40:03,680 --> 00:40:05,840
Speaker 4: Is that something where she's like, look, I know that

947
00:40:05,960 --> 00:40:07,800
Speaker 4: you're saving or you're doing this, or you're doing that,

948
00:40:07,880 --> 00:40:10,240
Speaker 4: and i'd love to pay more because I am actually

949
00:40:10,400 --> 00:40:13,200
Speaker 4: super wealthy. Like if that's the case, then great, But

950
00:40:13,280 --> 00:40:16,239
Speaker 4: I think it's about that expectation. Is he grateful for

951
00:40:16,880 --> 00:40:19,480
Speaker 4: the contributions that your mum is making or is he

952
00:40:19,640 --> 00:40:21,920
Speaker 4: just expecting it? Because I think that's really a reflective

953
00:40:21,960 --> 00:40:25,480
Speaker 4: of the dynamic that the relationship has. And I think, yeah,

954
00:40:25,640 --> 00:40:27,520
Speaker 4: people only hear what they want to hear when they

955
00:40:27,560 --> 00:40:29,720
Speaker 4: want to hear it. So even if you say something

956
00:40:29,760 --> 00:40:32,240
Speaker 4: to your mum now, don't be surprised if she doesn't

957
00:40:32,280 --> 00:40:34,480
Speaker 4: want to take that advice or hear it. And then

958
00:40:34,640 --> 00:40:37,560
Speaker 4: in a couple of months when maybe the relationship disintegrates,

959
00:40:37,640 --> 00:40:41,239
Speaker 4: if it does, like you know, I'm obviously extrapolating that out,

960
00:40:41,640 --> 00:40:44,520
Speaker 4: don't go I told you so. If she comes to

961
00:40:44,640 --> 00:40:46,520
Speaker 4: you as a safe place to be like, oh my gosh,

962
00:40:46,520 --> 00:40:48,440
Speaker 4: I can't believe he Xyz, don't go, oh well, I

963
00:40:48,560 --> 00:40:51,919
Speaker 4: told you so. Like that's so unhelpful because sometimes people

964
00:40:52,080 --> 00:40:54,160
Speaker 4: literally only hear what they want to hear when they

965
00:40:54,239 --> 00:40:54,759
Speaker 4: want to hear it.

966
00:40:55,360 --> 00:40:58,000
Speaker 5: And that's okay if it didn't come from you. So

967
00:40:58,120 --> 00:40:59,440
Speaker 5: we obviously asked the community.

968
00:40:59,520 --> 00:41:01,960
Speaker 4: We said, do do you know someone who has had

969
00:41:02,000 --> 00:41:04,600
Speaker 4: a partner that was quote dating them for the money.

970
00:41:04,880 --> 00:41:07,160
Speaker 5: I thought this wouldn't be many, but forty four percent

971
00:41:07,239 --> 00:41:07,840
Speaker 5: of you said.

972
00:41:07,719 --> 00:41:10,960
Speaker 4: Yes, Oh my god, that's a lot wild. We said,

973
00:41:11,000 --> 00:41:15,080
Speaker 4: if yes, were they aware that this was happening? Ninety

974
00:41:15,200 --> 00:41:18,120
Speaker 4: three percent of you said they were totally naive to

975
00:41:18,200 --> 00:41:18,920
Speaker 4: what was happening.

976
00:41:19,120 --> 00:41:20,960
Speaker 2: That makes sense to me, It makes sense.

977
00:41:21,040 --> 00:41:24,440
Speaker 4: But that's probably why our community DM writer in ra

978
00:41:24,960 --> 00:41:29,920
Speaker 4: is like, do I say something, yes, in this circumstance, if.

979
00:41:29,760 --> 00:41:31,239
Speaker 5: It was your mum, what would you do?

980
00:41:32,239 --> 00:41:35,200
Speaker 4: Ninety five percent of you said I'd raise my concerns

981
00:41:35,239 --> 00:41:39,200
Speaker 4: with her as soon as possible. And then we asked

982
00:41:39,200 --> 00:41:41,080
Speaker 4: for your two cents, which is my favorite because I

983
00:41:41,360 --> 00:41:45,200
Speaker 4: love your opinions. They are so colorful sometimes and I'm

984
00:41:45,200 --> 00:41:47,239
Speaker 4: always like, wow, I didn't even think of that. So

985
00:41:47,360 --> 00:41:49,520
Speaker 4: there's been a few really great responses. First one I

986
00:41:49,560 --> 00:41:51,880
Speaker 4: want to read out was I was the person being

987
00:41:51,960 --> 00:41:54,600
Speaker 4: taken advantage of. I was completely blinded by love, and

988
00:41:54,680 --> 00:41:58,680
Speaker 4: I wish someone had said something. Yeah, someone else said,

989
00:41:58,880 --> 00:42:00,920
Speaker 4: how did she know this guy isn't paying for stuff

990
00:42:00,960 --> 00:42:03,520
Speaker 4: when she's not there? Is he maybe just transferring money

991
00:42:03,600 --> 00:42:05,920
Speaker 4: after it and you're just seeing the credit card transaction

992
00:42:06,080 --> 00:42:06,560
Speaker 4: take place?

993
00:42:06,800 --> 00:42:07,040
Speaker 1: You know?

994
00:42:07,520 --> 00:42:09,799
Speaker 2: Sure? So that's smart. That's a good, very good point.

995
00:42:09,920 --> 00:42:11,759
Speaker 4: That's smart because like I remember when I was dating

996
00:42:11,800 --> 00:42:14,560
Speaker 4: my husband at the very start, like he would just

997
00:42:14,600 --> 00:42:16,840
Speaker 4: transfer me and I would just transfer him, and like

998
00:42:17,120 --> 00:42:19,240
Speaker 4: then it got to a point where we weren't transferring

999
00:42:19,280 --> 00:42:20,680
Speaker 4: each other. I was just like, Oh, just get the

1000
00:42:20,719 --> 00:42:22,759
Speaker 4: next one, right, ran. That's kind of like how the

1001
00:42:22,880 --> 00:42:25,680
Speaker 4: relationship progressed. But if you know, Jess, you came out

1002
00:42:25,719 --> 00:42:28,759
Speaker 4: with me. Right, Let's pretend I took you out on

1003
00:42:28,920 --> 00:42:31,799
Speaker 4: a third Wheel weird date and Steve I would pay

1004
00:42:31,840 --> 00:42:34,680
Speaker 4: for you both because you're my friend, if that makes sense.

1005
00:42:34,760 --> 00:42:36,799
Speaker 4: So like your experience might be that I pay all

1006
00:42:36,840 --> 00:42:39,680
Speaker 4: the time, But why would Steve pay for you if

1007
00:42:39,719 --> 00:42:40,800
Speaker 4: you were invited by me?

1008
00:42:40,960 --> 00:42:42,560
Speaker 2: If you or my mom, that makes way more sense.

1009
00:42:42,560 --> 00:42:45,960
Speaker 2: It's like an example too in the context of this thing.

1010
00:42:46,120 --> 00:42:46,760
Speaker 5: Yeah, exactly.

1011
00:42:46,840 --> 00:42:48,799
Speaker 4: That's where I was like, hold up, hold up, Maybe

1012
00:42:48,840 --> 00:42:51,560
Speaker 4: you're only seeing that because whenever you're out for dinner,

1013
00:42:52,000 --> 00:42:54,120
Speaker 4: she pays because it's.

1014
00:42:54,120 --> 00:42:56,200
Speaker 5: Two to one, right, all right.

1015
00:42:56,400 --> 00:42:58,920
Speaker 4: Someone said someone needs to send her that she's on

1016
00:42:59,000 --> 00:43:02,239
Speaker 4: the Money podcast. Oh bless I agree, thank you, thank you,

1017
00:43:02,680 --> 00:43:04,640
Speaker 4: not to beck though it's not her favorite.

1018
00:43:06,680 --> 00:43:06,840
Speaker 6: Of it.

1019
00:43:07,040 --> 00:43:09,400
Speaker 4: Someone said, this is a really big red flag. I

1020
00:43:09,520 --> 00:43:12,240
Speaker 4: was in this circumstance and it turned into financial abuse.

1021
00:43:12,920 --> 00:43:15,399
Speaker 4: Someone said, please say something from a place of love,

1022
00:43:15,480 --> 00:43:18,040
Speaker 4: and then whatever happens is they're not on her from

1023
00:43:18,120 --> 00:43:23,239
Speaker 4: then on in. Someone said sisters before misters, tell her

1024
00:43:23,400 --> 00:43:25,439
Speaker 4: how you see it, and then give her a chance

1025
00:43:25,520 --> 00:43:29,759
Speaker 4: to reflect someone else has said, so the rearing. I

1026
00:43:29,840 --> 00:43:34,440
Speaker 4: guess outcome here is please communicate, someone said, communicate your

1027
00:43:34,560 --> 00:43:37,840
Speaker 4: concerns and ask how their new partner is actually contributing

1028
00:43:37,960 --> 00:43:40,200
Speaker 4: financially or contributing at all.

1029
00:43:40,480 --> 00:43:40,680
Speaker 3: Yeah.

1030
00:43:40,840 --> 00:43:42,400
Speaker 2: I was going to say that before actually, when you

1031
00:43:42,480 --> 00:43:44,719
Speaker 2: were talking about not seeing the things that they're doing, Like,

1032
00:43:44,800 --> 00:43:47,120
Speaker 2: what if it is one of those relationships where perhaps

1033
00:43:47,200 --> 00:43:49,279
Speaker 2: if someone who's better off, they contribute in other ways,

1034
00:43:49,320 --> 00:43:51,520
Speaker 2: because there are other ways you can contribute to relationship

1035
00:43:51,600 --> 00:43:52,920
Speaker 2: that aren't necessarily financial.

1036
00:43:53,120 --> 00:43:55,279
Speaker 5: Yeah, it's very very true. I've got one more and

1037
00:43:55,360 --> 00:43:56,760
Speaker 5: I like this thought pattern.

1038
00:43:57,600 --> 00:44:00,440
Speaker 4: Ask your mom for some advice about your quote friend

1039
00:44:00,520 --> 00:44:02,440
Speaker 4: who happens to be in this situation and see what

1040
00:44:02,520 --> 00:44:02,879
Speaker 4: she says.

1041
00:44:03,880 --> 00:44:07,799
Speaker 8: Cool, very good idea, and be like, oh boom, mum.

1042
00:44:07,760 --> 00:44:12,360
Speaker 5: It's actually you, You're the friend. I kind of like that.

1043
00:44:12,480 --> 00:44:16,759
Speaker 4: It's it also takes a little bit of the aggressiveness

1044
00:44:16,800 --> 00:44:17,839
Speaker 4: of the conversation away.

1045
00:44:18,000 --> 00:44:21,719
Speaker 5: Yes, talk about Beck, Yeah, talk about Victoria, talk about Jess.

1046
00:44:21,800 --> 00:44:24,040
Speaker 5: Your friend Victoria has this issue, what do you do?

1047
00:44:24,360 --> 00:44:29,200
Speaker 4: And then maybe it might prompt a conversation about her situation,

1048
00:44:29,440 --> 00:44:31,000
Speaker 4: or maybe you'll leave it for a week or two

1049
00:44:31,040 --> 00:44:32,279
Speaker 4: and then you'll go back and be like, hey, mum,

1050
00:44:32,320 --> 00:44:34,239
Speaker 4: I was just reflecting on that talk to my friend

1051
00:44:34,280 --> 00:44:37,080
Speaker 4: and it just reminded me of your circumstances. You're okay, Yeah,

1052
00:44:37,280 --> 00:44:39,680
Speaker 4: And then at least she's had a seed planted, and

1053
00:44:39,800 --> 00:44:42,760
Speaker 4: that could be a really great place to start, because honestly,

1054
00:44:43,200 --> 00:44:47,040
Speaker 4: no one likes being blindsided by harsh conversations. And I've

1055
00:44:47,040 --> 00:44:49,520
Speaker 4: said this a million times on the podcast, like, if

1056
00:44:49,600 --> 00:44:52,120
Speaker 4: I need to have a hard conversation with my partner,

1057
00:44:52,640 --> 00:44:55,120
Speaker 4: I will message him or tell him that that conversation

1058
00:44:55,280 --> 00:44:57,000
Speaker 4: is coming up so he can prep. Or if there's

1059
00:44:57,040 --> 00:45:00,080
Speaker 4: a really big decision that we need to make, I

1060
00:45:00,200 --> 00:45:02,680
Speaker 4: think it's unfair if in my head I'm like, all right, well,

1061
00:45:02,719 --> 00:45:04,440
Speaker 4: we need to make this really big decision, and I

1062
00:45:04,520 --> 00:45:07,480
Speaker 4: spend a whole heap of time, energy and effort researching

1063
00:45:07,520 --> 00:45:09,120
Speaker 4: it and understanding it, and then I go to Steve

1064
00:45:09,160 --> 00:45:11,560
Speaker 4: and go, hey, by the way, we need you xyz,

1065
00:45:11,719 --> 00:45:14,439
Speaker 4: and this is the outcome. He hasn't had that prep time.

1066
00:45:14,880 --> 00:45:15,759
Speaker 5: That's not fair.

1067
00:45:16,080 --> 00:45:18,680
Speaker 4: So maybe you know, planting the seed is a good thing,

1068
00:45:18,760 --> 00:45:22,440
Speaker 4: YEA many additional things before we run away my friends.

1069
00:45:22,840 --> 00:45:23,759
Speaker 8: No, I don't think so.

1070
00:45:24,040 --> 00:45:25,560
Speaker 5: I love it all right. Well, this has been a

1071
00:45:25,640 --> 00:45:25,920
Speaker 5: good EP.

1072
00:45:26,120 --> 00:45:29,080
Speaker 4: Thank you for joining us once again for our Friday

1073
00:45:29,239 --> 00:45:32,800
Speaker 4: episode of celebrating you, our beautiful community.

1074
00:45:33,000 --> 00:45:36,000
Speaker 5: We will see you one Monday, fresh and bright for

1075
00:45:36,120 --> 00:45:38,160
Speaker 5: a money diary. But till then, have the best weekend.

1076
00:45:38,280 --> 00:45:39,720
Speaker 2: My loves, my god fye.

1077
00:45:46,520 --> 00:45:49,040
Speaker 4: The advice shared on She's on the Money is general

1078
00:45:49,120 --> 00:45:52,919
Speaker 4: in nature and does not consider your individual circumstances. She's

1079
00:45:53,000 --> 00:45:56,400
Speaker 4: on the Money exists purely for educational purposes and should

1080
00:45:56,480 --> 00:45:59,640
Speaker 4: not be relied upon to make an investment or financial decision.

1081
00:46:00,080 --> 00:46:02,480
Speaker 4: If you do choose to buy a financial product, read

1082
00:46:02,520 --> 00:46:06,640
Speaker 4: the PDS TMD and obtain appropriate financial advice tailored towards

1083
00:46:06,680 --> 00:46:09,960
Speaker 4: your needs. Victoria Divine and She's on the Money are

1084
00:46:10,000 --> 00:46:13,600
Speaker 4: authorized representatives of Money sherper P t y lt D

1085
00:46:13,880 --> 00:46:16,560
Speaker 4: A b N three two one six four nine two

1086
00:46:16,719 --> 00:46:20,279
Speaker 4: seven seven zero eight AFS L four five one two

1087
00:46:20,400 --> 00:46:20,879
Speaker 4: eight nine