Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it. She's on the Money.
Speaker 3: She's on the Money.
Speaker 4: Hello, and welcome to She's on the Money, the podcast
Speaker 4: for millennials who want financial freedom. My friends, today is Friday,
Speaker 4: which means we're getting the team together, not the whole team.
Speaker 2: But you heard that voice.
Speaker 4: Miss Jessica Ricci is back, but we are here to
Speaker 4: celebrate you our incredible She's on the Money community today,
Speaker 4: Miss jess Gricci is back sharing her favorite money wins
Speaker 4: from the community.
Speaker 2: Beck has a few sneaky broke tips.
Speaker 4: Which she hasn't sold us on, but like any broke tip,
Speaker 4: will take it at this point in time, Beck like,
Speaker 4: we're in a cost of living crisis.
Speaker 2: We need whatever we can get.
Speaker 4: We're gonna be helping to answer a juicy money dilemma,
Speaker 4: which this week is all about the impact of work
Speaker 4: credit card.
Speaker 2: Can have on your personal credit score.
Speaker 4: And we're going to be unpacking something that you slid
Speaker 4: into our DMS about which this week we're chatting about
Speaker 4: being financially taken.
Speaker 2: Advantage of in a new relationship.
Speaker 5: Spicy, juicy.
Speaker 2: Let's get into catching up though, Jess, how was Japan?
Speaker 5: My god? I loved it? Everyone was so nice. I
Speaker 5: speak about three words of Japanese, but everyone was so
Speaker 5: just kind in finding a way to understand or communicate
Speaker 5: with us. And everything was so cheap. I can believe
Speaker 5: how cheap it was.
Speaker 4: Once I'm in a committed relationship now with seven eleven,
Speaker 4: Oh my god, like.
Speaker 5: The next level? Good if seven eleven here, If you're listening,
Speaker 5: we love you guys already, but you could be better.
Speaker 4: You're like, I am now a seven eleven ambassador, and
Speaker 4: Jess is like, you can do better.
Speaker 6: What's your favorite Japanese seven eleven product?
Speaker 5: I can't pick what, so they do the honor Geary
Speaker 5: the honor Yuri was really good. Yeah, you talked about
Speaker 5: that a lot. The karag they do like prednt the
Speaker 5: things I believe that seven eleven in Japan does fried chicken.
Speaker 4: Yeah.
Speaker 5: And the crazy thing is is you can go to
Speaker 5: seven eleven in Japan and get a wholesome, well made meal,
Speaker 5: like there is a whole like noodle dishes, fish dishes,
Speaker 5: rice dishes, like there are all of these pre made
Speaker 5: things that if I lived here, when I'm running late
Speaker 5: for somewhere, if I've had a big day and i
Speaker 5: want something quick and easy all the time, I'm like, oh,
Speaker 5: I just go to my gus. Yeah. Whereas if there
Speaker 5: was that option at our like so well, literally and
Speaker 5: everything is really affordable. They do like little packets of candy.
Speaker 2: You're a dollar a dollar, yeah, or a dollar a
Speaker 2: dollar day.
Speaker 5: It's crazy how cheap it is. You can make her
Speaker 5: an iced coffee, you can make smoothie you.
Speaker 2: Were saying when you got back. The meals that you
Speaker 2: just mentioned were like five bucks each, right, so cheap.
Speaker 5: And even when we went out to eat at restaurants
Speaker 5: and stuff, it average like maybe fifteen dollars a person
Speaker 5: like for like really big generous well made meals.
Speaker 3: It was.
Speaker 2: That's so phenomenal.
Speaker 5: The culture was amazing.
Speaker 2: I just thought the Japan would be a money weed.
Speaker 5: That's what I thought too. I would highly recommend it
Speaker 5: to anyone who wants to go. I loved it.
Speaker 4: I'm so envious because I have never had Japan as
Speaker 4: somewhere to I guess go on holiday. I've always been like, oh,
Speaker 4: I really want to go, obviously, like tree blossom season
Speaker 4: looks beautiful, and like I'm a snow bunny, so I
Speaker 4: really want to go to the snow over there. However,
Speaker 4: I've always been like, yep, like I'll go. Do Europe
Speaker 4: go this that the other Everyone that comes back from
Speaker 4: Japan is like I would go again. I'm going to
Speaker 4: put it on my list of places that Steve and
Speaker 4: I go.
Speaker 7: Do you reckon?
Speaker 2: I can take a baby? Is a baby friendly? Do
Speaker 2: you reckon?
Speaker 5: Jess?
Speaker 2: I reckon for sure, and I don't reckon.
Speaker 5: People would be like happy to go out of their
Speaker 5: way to accommodate you.
Speaker 2: If they don't even have to, they just have to
Speaker 2: not kick me out of the rest.
Speaker 4: That's all I asked, really really low bar to ask.
Speaker 4: So you loved Japan?
Speaker 5: Loved it. But I missed you.
Speaker 2: Guys.
Speaker 5: We missed you too.
Speaker 4: We just spent well a few episodes just talking absolute
Speaker 4: smack about you.
Speaker 2: So, Beck, how's your week been?
Speaker 7: Wow? Going after that, it's been very normal. I didn't
Speaker 7: go to Japan.
Speaker 2: Oh, I'm so sorry.
Speaker 7: No, it was a really really lovely week.
Speaker 6: The weather has been beautiful, and yeah, I've just I
Speaker 6: feel like I've been busy but doing nothing super exciting.
Speaker 7: So that's me in a nutshell love it. What about you?
Speaker 2: No, that's the same as me. Same as me.
Speaker 4: Everyone had these big I guess grand Flainel plans over
Speaker 4: last weekend and I just stayed in bed, like, went
Speaker 4: to the beach with my family, had a few glasses
Speaker 4: of non alcoholics sparkling.
Speaker 1: Yeah.
Speaker 4: It was honestly so chill and so needed. I did
Speaker 4: get gifted a few baby things. Oh, my influencer status
Speaker 4: is paying off, guys. Finally the baby carrier I want
Speaker 4: got gifted to me.
Speaker 5: Wow.
Speaker 2: And I put my cat in.
Speaker 5: It, hue. Yep.
Speaker 2: So that was basically the highlight.
Speaker 7: Of my week.
Speaker 5: Something else exciting happened this week.
Speaker 2: Too, Oh yeah, Oh, completely forgot that one.
Speaker 4: On Tuesday, my third book, Property Buy shees on the
Speaker 4: money came out. Oh my god, yeah, I forgot Yeah, congratulations.
Speaker 5: Yeah.
Speaker 4: Imagine if it was the day that I was recording
Speaker 4: this and I only just remembered it was my book
Speaker 4: launch day.
Speaker 2: WHOA, that would be embarrassing. Glad that didn't happen.
Speaker 5: It's so exciting to see so many people getting their
Speaker 5: copies and being really pumped. And you know, so many
Speaker 5: people have been popping the three of the books together
Speaker 5: and they look so horrible.
Speaker 4: Most like, we picked those colors, yes, so that they
Speaker 4: looked cute together on a books.
Speaker 5: Yeah, we got you girls the Booktop Girlies, the girls
Speaker 5: you get to get it.
Speaker 2: Yeah.
Speaker 4: And for the Booktop Girlies, all of the spines line up,
Speaker 4: all of the like headings line up, like everything that
Speaker 4: was good together.
Speaker 2: We made sure.
Speaker 4: That's very very important to me. But yeah, that happened
Speaker 4: this week. But to be honest, the cat and the
Speaker 4: baby carrier probably trumps it.
Speaker 2: Be honest, Let's be honest.
Speaker 4: This is not about us though, nor is it about
Speaker 4: my cat Bailey in a baby carrier.
Speaker 2: It is actually about the community. So Jess, I gotta it.
Speaker 4: Chi, can you let us know what money wins you've
Speaker 4: pulled from the community this week to.
Speaker 5: Share absolutely my first money when this week comes from Hailey,
Speaker 5: who said I was in Bali last week and I
Speaker 5: turned on my rooming for about fifteen minutes. Three hours later,
Speaker 5: I received the warning text messages from Optus stating that
Speaker 5: I had used fifty dollars, then one hundred dollars, all.
Speaker 2: The way up to seven hundred and fifty dollars.
Speaker 5: In charges over my plans STARTA. I was obviously devastated,
Speaker 5: especially because I was only using my phone because I
Speaker 5: was waiting for what turned out to be a proposal surprise.
Speaker 5: Disputed it with Optus and they credited the seven hundred
Speaker 5: and fifty dollars, and they also had a great customer
Speaker 5: service during the process.
Speaker 7: And you got why the game?
Speaker 2: You got engaged? Why why not more on this? What
Speaker 2: the heck?
Speaker 7: Sorry, I screamed before.
Speaker 2: Remember the time I did that in Dubai.
Speaker 5: Yess oh my god, yes, it was so bad, not
Speaker 5: a time.
Speaker 4: So like the phone plan that I had, I made
Speaker 4: sure it had roaming, so I was like, no, guys,
Speaker 4: like I have checked unequivocally, I have five dollars a
Speaker 4: day roaming.
Speaker 2: This is why I'm with this plant.
Speaker 4: It makes sense right above and beyond, Like I literally
Speaker 4: did my research. What I didn't do my research on
Speaker 4: was if you turn your phone on while you're in
Speaker 4: Dubai even though you're on your way to.
Speaker 5: Europe, doesn't count.
Speaker 4: Doesn't count because Dubai was not included. And how much
Speaker 4: did we rack up? Like fifteen hundred dollars? I said
Speaker 4: to everybody, I was like, don't worry, I've got roaming
Speaker 4: five dollars a day using my pre intersting data.
Speaker 2: Jess, you tether Beck, you tell everybody tethered my phone
Speaker 2: use my data in our stopover.
Speaker 4: I think we spent like maybe because Dubai's are not cheap,
Speaker 4: Dubai was expensive. I think we spent like one hundred
Speaker 4: dollars at McDonald's between all of us. WHOA, so it
Speaker 4: cost me one hundred bucks at McDonald's, which is not
Speaker 4: a complaint. I was like, well, let's get it, about
Speaker 4: fifteen hundred dollars to sit in that McDonald's on our
Speaker 4: phone half.
Speaker 5: An hour while we waited for because we didn't want
Speaker 5: to talk to each other because we didn't want a flight.
Speaker 4: For like twenty hours we wereted. And then I was like,
Speaker 4: absolutely not Satan. I mean I did get out of it.
Speaker 2: It took a lot.
Speaker 5: Like Hayley jumped on the phone, had a.
Speaker 4: Little chat, but Hailey got engaged. Congratulations, Well what else
Speaker 4: have you got?
Speaker 5: Jess?
Speaker 7: Congrats?
Speaker 5: Next, I've got money in from Sarah, who said my
Speaker 5: money in is I bought the iPhone fifteen promacs for
Speaker 5: one hundred and eighty dollars.
Speaker 2: No, we didn't have.
Speaker 5: I traded in my iPhone fourteen pro for Oney ten
Speaker 5: and I signed up for a BYO plan with Vodaphone,
Speaker 5: which gave me another thousand dollars off the phone. Also,
Speaker 5: my work also gives us fifty dollars a month towards
Speaker 5: our phone plan money we oh, okay, furnessing the system. Well,
Speaker 5: g Sarah.
Speaker 4: We all want new phones in this team, but none
Speaker 4: of us are planning on buying them.
Speaker 2: Because we're all stingy.
Speaker 5: My phone is literally like destroyed and I'm still like,
Speaker 5: oh it.
Speaker 6: Is smash and yeah you've had that for like twenty
Speaker 6: thousand years.
Speaker 5: I'm waiting for like a bonus Flybys points or something.
Speaker 5: But anyway, Next, IP want money in from Ashley, who
Speaker 5: said money win. My partner asked me to do a
Speaker 5: budget for him so we can be better prepared for
Speaker 5: bills in the future.
Speaker 2: That would be so sexy.
Speaker 5: She also included a bonus cat pick for vd.
Speaker 2: We love I love that. She said, it's a bonus
Speaker 2: cat pick for vd.
Speaker 5: Ah.
Speaker 2: The other day, I was reading the Money Wins thread.
Speaker 2: It was on the pod.
Speaker 4: I actually used this as one of the money wins
Speaker 4: and someone literally was like, also, here's a picture of
Speaker 4: my dog.
Speaker 2: Because I know v will ask you.
Speaker 4: We laugh, like absolutely, I will thank you for knowing
Speaker 4: me so well.
Speaker 5: Guys. Next, I've got a book win from Alissa, who
Speaker 5: said I went to Dimmicks on the weekend to buy
Speaker 5: a book and they had boxes of her books for members.
Speaker 5: I scored three books which I've been wanting to read,
Speaker 5: with the back covers ripped off, but I saved about
Speaker 5: sixty bucks money.
Speaker 2: Win her books.
Speaker 4: How cute, poor little hurt books. Also, talking about cheap books,
Speaker 4: are libraries? Can we please make them trendy again? It
Speaker 4: is free? And also, jess and I worked this out recently.
Speaker 4: We should have worked this out a very long time ago, though,
Speaker 4: shouldn't we have? Jessica turns out authors get paid royalties
Speaker 4: when you hire books or do you borrow books higher
Speaker 4: books from the library, so like your author, your favorite
Speaker 4: author is not missing out when it's good when you,
Speaker 4: I guess, borrow books from the library. Although if you
Speaker 4: are an author, you actually have to sign up to
Speaker 4: that program yourself, and we hadn't so fun fact for everybody,
Speaker 4: it's a win for you, it's a win for the author.
Speaker 4: It is now a win for the author because I
Speaker 4: have now signed up tears program.
Speaker 2: But perfect.
Speaker 4: I think I love the most the fact that you
Speaker 4: know how some people are like, oh, I really want
Speaker 4: to support the author though like you are.
Speaker 5: Yeah, you don't have to feel bad. That's great. Next,
Speaker 5: I've got a money win from Kira who said money
Speaker 5: Wind took all our bottles and cans to containers for
Speaker 5: change and got thirty dollars cash back to put in
Speaker 5: our special money box.
Speaker 2: See I wish that was available in what are they actually?
Speaker 5: Yeah, I don't know when I feel like we must
Speaker 5: be getting closed. I think it was this year.
Speaker 2: We're going to be crazy at the recycling bins in
Speaker 2: the office.
Speaker 5: I'm going to be that brown who says to everybody,
Speaker 5: give me your hands, give me your hands.
Speaker 2: I want to get a can crusher so that you
Speaker 2: can stack more in your car.
Speaker 5: Just I want to set like a ridiculous goal. Do
Speaker 5: you remember. I remember a few years g I saw
Speaker 5: a girl paid for her wedding by recycling cans, and yeah,
Speaker 5: I remember seeing the article. And she would go to
Speaker 5: like her local like pubs and stuff and be like, hey, like,
Speaker 5: O'll clear out your recycling things for you if you
Speaker 5: can meet permission. They're like yeah, so, and she paid
Speaker 5: for like their full wedding by collecting cans and bottles.
Speaker 5: And I wouldn't go that, but I think it would
Speaker 5: be really fun to be like, I want to set
Speaker 5: this huge goal car, yeah, something like that, and then
Speaker 5: just save a bunch of cans.
Speaker 4: If you've ever done that, can you please slide into
Speaker 4: our dams so we can get you on the pod.
Speaker 5: I feel like that would be so fun. So and
Speaker 5: then lastly, I've got a money win from kai who
Speaker 5: said money win. I cashed in some Velocity Frequent Flyer
Speaker 5: points for a free cruise with Virgin Voyages. What how
Speaker 5: many points?
Speaker 7: WHOA?
Speaker 5: I don't know, and I got an awesome points conversion
Speaker 5: rate five cents per point equals winning.
Speaker 2: Oh my gosh, sick how good is that.
Speaker 5: I never even knew you could do that.
Speaker 4: Okay, So the other day, Gabby and I so like,
Speaker 4: I have the seven eleven app, and as you guys know, like,
Speaker 4: irrespective of the fact that I am a seven eleven ambassador,
Speaker 4: I believe I got this position because I worked so
Speaker 4: hard at seven eleven during my free time.
Speaker 2: Anyway, saw on the app the other day that.
Speaker 4: If you bought a sausage roll, you got one hundred
Speaker 4: Velocity Frequent Flyer points, and sausage rolls that day were
Speaker 4: a dollar. So I basically got one hundred Velocity points.
Speaker 2: For a dollar and a free sausage roll, is how
Speaker 2: we saw it.
Speaker 5: Yess exactly right. Anyway, phenomenal is that's a crazy cut.
Speaker 5: That's everything I've got.
Speaker 2: I love it.
Speaker 4: I feel like that is a very good welcome back
Speaker 4: to the Friday Drinks episodes.
Speaker 2: Please don't give us again.
Speaker 7: Please don't go anywhere we were going.
Speaker 5: We go to America and approximately.
Speaker 7: But that's okay, Okay.
Speaker 4: Beck's going to miss us because we're going to do
Speaker 4: a few episodes without Beck.
Speaker 2: Sorry, Beck, we love you, but you're coming to America.
Speaker 5: That really hurts.
Speaker 6: You've got important things I dot the acrass so sorry.
Speaker 4: Yeah, yeah, we've been nominated for a pretty big award, Beck.
Speaker 4: We have been nominated for Podcast of the Year Big
Speaker 4: Dog Energy. But both jess and I are out of
Speaker 4: the country, so we thought this.
Speaker 5: Is the second year in a row. This is we
Speaker 5: haven't been during the last year we went to Europe.
Speaker 5: There was like two different awards ceremonies the same night
Speaker 5: that we had to.
Speaker 4: Fly out, and I had to prayer record all my
Speaker 4: videos and stuff in case I won, And it was
Speaker 4: the most awkward experience because you're like recording this video.
Speaker 2: Oh, thank you so much, like.
Speaker 4: I'm so grateful to have one when you didn't know
Speaker 4: you were winning or not, and so I wish I
Speaker 4: had not. We did end up winning, which was very cool.
Speaker 4: But hopefully we come home with a win because you're
Speaker 4: going all the way to the Acress to represent the
Speaker 4: ses on the Money team.
Speaker 6: It's a big responsibility on my shoulders.
Speaker 5: Looking forward to a fun selfie of you.
Speaker 2: With a trophy.
Speaker 5: Hopefully. Yeah, definitely.
Speaker 4: He goes across to knock on wood, don't don't jinx
Speaker 4: at Jessica, but to your side of the table, Miss Beck.
Speaker 2: What if you got when it comes to broke tips.
Speaker 7: Yes, okay, so broke tips. I always get a little
Speaker 7: bit nervous.
Speaker 4: I don't know, because you're like, these tips are so
Speaker 4: good they're gonna blow people's minds.
Speaker 5: Yes, yeah, exactly.
Speaker 7: I do hope these coming useful.
Speaker 6: The ones that people send me are always really good,
Speaker 6: and my ones are always a little bit silly. But
Speaker 6: let's give this a go. So the first one comes
Speaker 6: from Charlie. I think this is a really great tip.
Speaker 6: So Charlie says, for friends birthdays, for a cheap and
Speaker 6: meaningful present, go to kmart or office works or wherever.
Speaker 6: If you have a printer at home, sick in print
Speaker 6: off photos of them. You can print off a bunch
Speaker 6: of small photos for like fifteen cents each, or one
Speaker 6: big poster, or you could like you know, make little
Speaker 6: canvases or.
Speaker 5: Like stick little that's cute pictures and cards.
Speaker 6: Yeah, and like, for example, my friend made me this
Speaker 6: board game was amazing, you know, the Game of Life. Yeah,
Speaker 6: every single card in the deck was like a different
Speaker 6: thing that happened in my life. I'll have to like
Speaker 6: send photos or something because it's like it's unbelievable, Like
Speaker 6: it's incredible. And I don't know how much it would
Speaker 6: have cost. I don't imagine too much printing in that time.
Speaker 4: And the research and the thought, oh my gosh, the
Speaker 4: best present I've ever.
Speaker 7: Heard of, totally.
Speaker 6: And for my best friend's birthday, I got everyone in
Speaker 6: our friend group and every one of her friends to
Speaker 6: send videos like a little happy birthday message, and I
Speaker 6: cut it all up together and.
Speaker 7: That was free, and so she loved it.
Speaker 6: So something like that, like if you worried about someone's
Speaker 6: birthday coming up, you don't have to spend any money,
Speaker 6: but you do have to spend some time.
Speaker 7: So that's one.
Speaker 4: Well, if you remember one of our Friday Drinks episodes,
Speaker 4: I forgot Jess's birthday, so there was that you.
Speaker 7: Could also just forget the birthday.
Speaker 4: That was literally my worst moment. Now I can provide
Speaker 4: some context to that. I was so sick and so pregnant,
Speaker 4: and nobody knew and I sounded like a terrible human
Speaker 4: being because I was like, oh no, now I forgot
Speaker 4: Jess's birthday as well. Everyone's going to think I am
Speaker 4: the devil. No moth days are my favorite. I still
Speaker 4: carry a lot of guilt about that.
Speaker 7: Beck Oh, have a lifetime to make up for it.
Speaker 5: She cried. No, I cried because I felt bad for
Speaker 5: making you feel bad, not because not because you forgot
Speaker 5: my best.
Speaker 2: Did you cry?
Speaker 4: Though you cried, I made you cry because I forgot
Speaker 4: your birthday.
Speaker 7: It's a good way to frame it.
Speaker 2: What else have you got?
Speaker 4: Bet?
Speaker 6: So the next one comes from Alex, who says, where possible,
Speaker 6: try and enroll in some free courses or cheaper so
Speaker 6: sort of like tafe courses or college courses before committing
Speaker 6: to a union degree because obviously, you know, it's like
Speaker 6: a big, you know, expense, it's a big debt to have.
Speaker 6: We don't want that ideally, and you could do this
Speaker 6: in many ways. There was a thing where like a
Speaker 6: few tafe courses were free.
Speaker 2: Courses are now free. Yeah, and so Jess and I
Speaker 2: tried to.
Speaker 4: Enroll in the Oslan tafe course, but we couldn't like
Speaker 4: commit to it because it was in person only. It
Speaker 4: was only a one or two places, like, it wasn't
Speaker 4: as accessible as we would have liked, because obviously we're
Speaker 4: crazy busy, but that's on our list of to do things,
Speaker 4: and that one's free.
Speaker 6: Yes, that's that's exactly right. So try and commit to
Speaker 6: that way possible. You could even just jump on like
Speaker 6: YouTube always have really cool the places where you can
Speaker 6: explore like there's this one have.
Speaker 7: You heard of dad? How do I or how do
Speaker 7: I know it's the guy that it's a dad?
Speaker 2: Is it actually just you see? And I think it's
Speaker 2: really cool.
Speaker 6: That's like more so if you want to get into,
Speaker 6: like you know, maybe different trades, like do some handy
Speaker 6: work around your own house and stuff like that.
Speaker 7: But just like exploring different things.
Speaker 6: For committing to something that's such a big amount of
Speaker 6: debt is probably you know something that you would.
Speaker 4: Also you could upscale without having to like you know,
Speaker 4: quit your job or take more time. There's a website
Speaker 4: called called Sarah dot org oh which is one of
Speaker 4: my favorite resources now that you've mentioned it, And it
Speaker 4: actually has different units, so not full degrees, but different
Speaker 4: units from universities all around the world. We're talking like
Speaker 4: Harvard and Oxford and like literally the big universities. I
Speaker 4: know that r MIT here in Melbourne contribute and so
Speaker 4: does Melbourne University and the University of New South Wales,
Speaker 4: like literally all the big unis and you can go
Speaker 4: do like a data science unit that could help you
Speaker 4: upskill at work or like literally financial literacy units or
Speaker 4: whatever you want to do, and you get a certificate
Speaker 4: at the end so you can pop that on your LinkedIn.
Speaker 2: Isn't that cool? That's great and free. We love a
Speaker 2: free course.
Speaker 4: I think the only thing that is paid about that
Speaker 4: is obviously you could put on your LinkedIn that you've
Speaker 4: done it. But I think you do have to pay
Speaker 4: for the certificate if you want it sent to you.
Speaker 2: Sure, I don't need the certificate. It's a good thanks
Speaker 2: for the free course.
Speaker 5: Yeah. I feel like if more people did that before
Speaker 5: they started a university degree, the rate of people changing
Speaker 5: courses would drop significantly because almost every single one of
Speaker 5: my friends, as you guys know, I didn't go to university,
Speaker 5: but I think every one of my friends but maybe
Speaker 5: one that went to university changed courses and that costs
Speaker 5: them a huge amount money because you feel so much
Speaker 5: pressure to go to university when it might not even
Speaker 5: be the right fit for you. Yeah, and you're making
Speaker 5: a choice not really knowing what you like or what
Speaker 5: you enjoy and totally so then people start studying and
Speaker 5: they go, oh, actually, you know, it's what happened with
Speaker 5: you'at like you studied psychology and you're like, oh, actually
Speaker 5: this isn't it and you moved into finance one hundred percent,
Speaker 5: And I think it's so important to kind of I
Speaker 5: don't know, I feel like this is a whole other
Speaker 5: conversation outside of broke tips, just that there's so much
Speaker 5: unnecessary pressure to get a higher education when honestly, so
Speaker 5: many times you don't need it, Like it depends what
Speaker 5: you want to do.
Speaker 4: Obviously can get you ahead. You obviously can't go and
Speaker 4: become a neurosurgeon if you don't have a degree, Like
Speaker 4: that's not going to fly. But like, look at Jess's career.
Speaker 4: I think she's killing it. I mean I'm biased because
Speaker 4: she works for me, but like Jess never went to
Speaker 4: UNI and he is now the head of partnerships, Like
Speaker 4: killing it.
Speaker 7: Done very well, proud of you.
Speaker 2: She's also a podcast superstar, So there's that.
Speaker 5: Yeah, waty, what's your breake tip though?
Speaker 2: Oh yes, yeah, we want to know yours.
Speaker 6: Okay, So my broke tip this is for if you're
Speaker 6: not wanting to spend any money and you have some
Speaker 6: random bits and pieces in your house, do Yeah, that's
Speaker 6: exactly what I.
Speaker 7: Think a lot of people relate.
Speaker 6: Some people literally don't have anything, and that's you know,
Speaker 6: it's not okay, but like that's a reality for some.
Speaker 6: But if you have even a few dollars to grab
Speaker 6: some really basic things from Woolworths or wherever there's an
Speaker 6: app or a website. One is super cook and one
Speaker 6: is food Wise, I'm sure there are way more out
Speaker 6: there where you can just basically jot in your ingredients,
Speaker 6: random ingredients. So you have one cup of pasta and
Speaker 6: some random tomato sauce and something else, and you're like,
Speaker 6: I don't want to spend any money. I'm just going
Speaker 6: to use what I have here, and you chuck it
Speaker 6: all in there and you search for recipe. Yeah, and
Speaker 6: then it'll like tell you what you can make with
Speaker 6: those ingredients.
Speaker 7: So I love the hat.
Speaker 6: Yeah, So you don't actually have to go out and
Speaker 6: spend anything. And you know, sometimes you go out and
Speaker 6: you have something in mind that you want to buy
Speaker 6: and you end up buying like your hundredth bottle of
Speaker 6: Cuman because you don't you forget that you have it
Speaker 6: a home. Instead of doing that, you just you stay
Speaker 6: at home, you look through cupboards, you chuck everything into
Speaker 6: this website and it'll generate a recipe for you, and.
Speaker 5: You're saving on food waste.
Speaker 6: You're saving on food waste exactly right.
Speaker 5: So that's my one. That's a really good one, really
Speaker 5: really good one.
Speaker 7: Thank you, Thank you, Jazz. I feel so happy.
Speaker 5: I love that.
Speaker 2: Can I add to that please?
Speaker 7: You can steal herbs, Yes, you can steal herbs.
Speaker 4: I mean not from the supermarket that's actually illegal, oh Gosha,
Speaker 4: I will uses cracking down on us, but literally from
Speaker 4: neighbors and stuff. So keep your eyes peel because I
Speaker 4: went on a big walk on the weekend and I
Speaker 4: walked past probably the biggest rosemary bush I've seen in
Speaker 4: my entire life.
Speaker 2: And I was like, oh, this is good to know.
Speaker 4: So coming up to Christmas, I actually this is a
Speaker 4: bit lame, but like I have a rosemary salt recipe
Speaker 4: that we might share with the community. Because you just
Speaker 4: buy you know, those like really big bottles. I think
Speaker 4: they're like a dollar of salt, like the table salt.
Speaker 4: Like we're not talking fancy, like you know, Himalayan salt flakes,
Speaker 4: like we kin'd of thought that that's fine.
Speaker 2: Iodized yeah, iodized salt.
Speaker 4: We get some of that we get some rosemary, we
Speaker 4: dry out the rosemary, we make rosemary salt that we
Speaker 4: can give as gifts at Christmas.
Speaker 2: So keep your eyes.
Speaker 4: Peeled for the next couple of months for a rosemary
Speaker 4: bush that you could maybe do.
Speaker 2: A little snippy snip off, snip, because.
Speaker 4: That could become a really thoughtful, heartfelt Christmas present that
Speaker 4: they could put on their steaks or their dinners or
Speaker 4: literally anything you can talk with it is so good. Yes,
Speaker 4: like literally rim your little margarita glass with some rosemary salt.
Speaker 2: Kiss, she's festive.
Speaker 7: Just don't trespass.
Speaker 2: Sorry, no, don't trespass.
Speaker 4: Only if it's like in a public garden or someone's
Speaker 4: front yard.
Speaker 7: Poking out the fence. It's yours.
Speaker 4: It's all yours somewhere the nature street picon exactly.
Speaker 5: Just over and at home listening knows. This means that
Speaker 5: Christmas content is You were the first one.
Speaker 4: Jessica is coeen of Christmas, and we have been brainstorming
Speaker 4: all year of like gift ideas that you can make
Speaker 4: that might be really cheap. So Jess and I have
Speaker 4: been hoarding this. Jess has wanted who for a very
Speaker 4: long time learn how to use a sewing machine, and
Speaker 4: I've been promising to teach her how to use mine,
Speaker 4: but have been putting it off because this year we're
Speaker 4: gonna make wheat bags.
Speaker 2: How we bags.
Speaker 5: That's so cute.
Speaker 2: I love a good wheat bag.
Speaker 4: And with some cheap material from like the opshop or something,
Speaker 4: and some wheat that you get at the pet store
Speaker 4: for like ten dollars for a ten kilo bag, you
Speaker 4: can make a heap of wheat PAGs as presents.
Speaker 2: I'm going to teach Jess how to do that.
Speaker 4: We've also got a number of different recipes like the
Speaker 4: rosemary salt I just mentioned, and a few other really
Speaker 4: fun things that are really cheap but really thoughtful that
Speaker 4: you could do for Christmas, because I just feel like
Speaker 4: Christmas is so expensive and it gives me so much anxiety.
Speaker 4: And I know I'm not the only one. There'll be
Speaker 4: some really good but we're going to get crafty. We're
Speaker 4: gonna get crafty. Yes, I like festia. I love yeah
Speaker 4: festive broke tips also on that before we move on
Speaker 4: and go to a break, I mentioned that we're going
Speaker 4: to do wheat packs, So keep your eyes peeled for
Speaker 4: some lavender bushes.
Speaker 2: You could borrow some stems from.
Speaker 5: Yes and if you have a broke tip that you
Speaker 5: want to share with back send it through to her
Speaker 5: or to the Shes and the Money Instagram because we
Speaker 5: love sharing yours as well as Backstone we love we.
Speaker 4: Might do a shout out on the Instagram stories today
Speaker 4: so that we can collect some more brogue tips to
Speaker 4: share as well.
Speaker 2: There, what do you reckon?
Speaker 5: Oh?
Speaker 7: Would love that? That'd be nice.
Speaker 2: Ah, They're my favorite.
Speaker 4: All right, let's go to a really quick break and
Speaker 4: on the flip side, we're going to be talking about
Speaker 4: how will work credit card might impact your credit score,
Speaker 4: and we're going to be unpacking something you slid into
Speaker 4: our DMS about this week, we're chatting about being financially
Speaker 4: taken advantage of in a new relationship.
Speaker 2: So guys, don't go anywhere.
Speaker 5: Welcome back, everybody. Let's listen to this sweets money dilemma.
Speaker 2: Hi.
Speaker 4: There, have you got a money dilemma you just can't solve?
Speaker 4: The Sheese on the Money team is here to help.
Speaker 4: Every week we tackle your dilemmas bo again small to
Speaker 4: answer your most burning money, career and life questions. To
Speaker 4: get involved, simply head to our website and leave us
Speaker 4: a short voice recording, and you might just find yourself
Speaker 4: on the show. Now, let's take a listen to this
Speaker 4: week's money dilemma.
Speaker 3: Hi, she's on the money. I'm currently saving for a house,
Speaker 3: but I've also reached a position at work where I
Speaker 3: can have a work credit card. Having a work credit
Speaker 3: card will make things a lot easier for me. But
Speaker 3: I can't help but wonder how having this in my
Speaker 3: name will impact me? Will it impact my borrowing power
Speaker 3: or ability to have my own credit card one day?
Speaker 3: And what happens if my workplace doesn't make a payment
Speaker 3: on time. I'd love if you could help me with
Speaker 3: this or guide me to a place where I can
Speaker 3: find this information. Thank you.
Speaker 5: All I can say is, as the person who used
Speaker 5: to have to reconcile credit cards for a team of
Speaker 5: over fifteen people, don't be the person who doesn't keep
Speaker 5: track of their receipts. Keep your receipts, please, for the
Speaker 5: love of God, for whoever's doing that. Admin ha ha.
Speaker 5: I can't tell you how many times I'd be hey
Speaker 5: back if you gore your receipts and that person would
Speaker 5: be like, I'm just missing his life. Got maybe four
Speaker 5: of them, and I'm like, you have sixteen charges for
Speaker 5: oh no, keep track your receipts please.
Speaker 4: Sorry at daxed on my own podcast. That's why I beck.
Speaker 4: I don't know if you've noticed it. Anytime we ever
Speaker 4: go out for lunch or something and I like tap
Speaker 4: my card, they're like, do you.
Speaker 2: Want a receipt? And I'm like, no, Jess or that
Speaker 2: yell over my shoulder.
Speaker 4: Yes, and then she'll like snatch it, take it away
Speaker 4: because she's just like so sick of my shit.
Speaker 2: She's just like, how do you never remember? I'm like, oh,
Speaker 2: I just forget. I'm so sorry, Like I don't want
Speaker 2: the receipt, I don't need it, and she's like, it's
Speaker 2: a work expense. We've been doing this for years.
Speaker 5: So I just stop it.
Speaker 4: But let's get back to it. So, ultimately, it depends
Speaker 4: on the structure. You need to be very clear on
Speaker 4: who the corporate credit holder is. So in this circumstance,
Speaker 4: best example is my girls at work because Jess obviously
Speaker 4: does a lot of stuff that needs to be paid for.
Speaker 4: They have credit cards. Those credit cards have their names
Speaker 4: on them, but the corporate credit card holder is me.
Speaker 4: It will never be Jess's responsibility to pay off that debt.
Speaker 4: It is not in her name. Yes, she authorized the payment,
Speaker 4: but I am the primary card holder and she is
Speaker 4: the secondary card holder. So essentially, don't do this, Jessica.
Speaker 4: She could rack up as much as she wanted and
Speaker 4: it's my responsibility. It doesn't actually impact her credit score.
Speaker 4: It will impact my credit score if I don't pay
Speaker 4: it off, or my business's credit score. So it's really
Speaker 4: important to understand the structure of a credit card. If
Speaker 4: your employer goes, hey, Jessica, you need a credit card
Speaker 4: to work here to do you know payments?
Speaker 2: Can you go get one?
Speaker 5: Nah?
Speaker 2: No, I can't.
Speaker 5: Red flag.
Speaker 4: Red flag, absolutely not because for me, that should never
Speaker 4: be in Jess's name because it is not her responsibility.
Speaker 4: I have a lot of thoughts and feelings about reimbursements
Speaker 4: as well, like Jess can probably talk you through how
Speaker 4: I feel about that, but I do not like it
Speaker 4: when my team has to be financial out for an
Speaker 4: expense that is for my business that is not on
Speaker 4: Jess like. And I find that so wild because I
Speaker 4: used to work in consulting, and I used to travel
Speaker 4: a lot for my culture and engagement work, right and
Speaker 4: It used to drive me bonkers that I would have
Speaker 4: to have a credit card for work to put a
Speaker 4: hold on the hotel room that I was staying in,
Speaker 4: And I mean I always.
Speaker 2: Got it back.
Speaker 4: But like as you guys know a little bit about
Speaker 4: my money stories, I was in lots of debt. Money
Speaker 4: was scary, money was overwhelming. I didn't have that much
Speaker 4: of it. And for a credit card company to put
Speaker 4: one hundred dollars or two hundred dollars hold on my
Speaker 4: credit card, that mean I couldn't use it because I
Speaker 4: didn't actually have any more space on it. Yeah, I'd
Speaker 4: always make sure that I had enough space on it
Speaker 4: so that I could work, But that should not have
Speaker 4: been my responsibility. It should have been at my employer's
Speaker 4: responsibility to give me a work credit card so that
Speaker 4: I could function and work for the business, because that
Speaker 4: wasn't an expense that I had. I also used to
Speaker 4: have to keep track of all my meals and then
Speaker 4: submit my receipts to get paid back for them.
Speaker 5: Yeah, which particularly because most companies reconcile monthly like I
Speaker 5: was doing those credit cards that I was talking about,
Speaker 5: like on a monthly basis, that means for a full
Speaker 5: thirty ish days, you're without those funds, you're not occurring
Speaker 5: interest on those funds, Like that's a long time exactly.
Speaker 4: The money that I've made is no longer making money
Speaker 4: because it's not setting in a high interest savings account
Speaker 4: or in my investment or whatever. And that's actually an
Speaker 4: opportunity cost that you're missing out on. And I don't
Speaker 4: think that's good enough. But also, if Jess has to
Speaker 4: travel for work, is it just this responsibility to pay
Speaker 4: for the room?
Speaker 5: I would say arguably not, but I have I have
Speaker 5: a very good no.
Speaker 4: But also it's a simple structure because at the end
Speaker 4: of the day, if your business is saying, oh, will
Speaker 4: reimburse you, they're saying they've got the money for it
Speaker 4: to begin with.
Speaker 2: Just change your structure. It doesn't cost you anymore.
Speaker 4: In fact, Jess having a credit card makes me points,
Speaker 4: so like I get points on all of the transactions
Speaker 4: and Jess doesn't. Whereas if Jess was using her personal card,
Speaker 4: which she might want you because she's obsessed with bloody
Speaker 4: velocity points. I swear to God, she waits until she
Speaker 4: can get the most amount of velocity off frequent flyer points.
Speaker 2: Like this woman is.
Speaker 4: Crazy like flybys in her two peas in a pod.
Speaker 2: Best is Yeah, like I can't, like she wants the points. No, no, no,
Speaker 2: they're for me. Sorry yeah, okay, sorry, yeah, but.
Speaker 4: I think yeah, I guess back to the question, you
Speaker 4: need to understand the structure. Obviously, if your employe is
Speaker 4: asking you to get a credit card in your name
Speaker 4: to pay for that, I think that's a red flag
Speaker 4: and you should say no, Actually, can you please make
Speaker 4: me an authorized card holder on one of the business
Speaker 4: accounts because it's actually not your responsibility. Yeah, great, great, great,
Speaker 4: not your responsibility and not your responsibility. No, absolutely no.
Speaker 4: If no, she didn't give us enough context. So that's
Speaker 4: why I'm saying there's probably two different structures. And I
Speaker 4: mean lots of businesses operate on the reimbursement model, and
Speaker 4: I mean I don't want to throw too many under
Speaker 4: a bus. Yes, I don't think it is technically too fair,
Speaker 4: but it's also a trust thing. Like a business might
Speaker 4: not be that comfortable issuing Jess with a credit card
Speaker 4: because she could wrap up a heap of debt.
Speaker 5: Yeah, especially you're a brand new employe.
Speaker 4: Yeah, if you're a brand new employee, you haven't passed
Speaker 4: like probation or something. They might go, oh, you have
Speaker 4: trouble for work, will reimburse you, And that's their way
Speaker 4: of making sure that you're not taking the mickey out
Speaker 4: of a work credit card and like protecting themselves and
Speaker 4: like covering their own risks. So it's a bit of
Speaker 4: a double edged sword because you can see where it's
Speaker 4: coming from. But from my perspective, why are you hiring
Speaker 4: people you don't trust? Weird flexwit?
Speaker 5: Okay?
Speaker 6: True.
Speaker 5: Also, about five minutes ago, I would just like to
Speaker 5: clarify you said, nah can't. I heard the same thing
Speaker 5: just for anyone listening at homegoing Victoria Divide. You said,
Speaker 5: nah can't. But just you're in a bit of a
Speaker 5: you're in a bit of a flow and oh my god.
Speaker 2: My parents don't listen to this podcast. Don't get cancels.
Speaker 5: We're marking it as a clean podcast. A n y alkay.
Speaker 4: Well, I guess it's time to move on to our
Speaker 4: community d m P. This week we had a brilliant
Speaker 4: community call out. We received a DM and it sounded
Speaker 4: a lot like this because I'm reading it for Betam so.
Speaker 2: It said I need some advice girls.
Speaker 4: My mum has started dating a new partner after years
Speaker 4: of being single.
Speaker 2: Get it, Mum.
Speaker 4: She seems really happy, but is totally naive to the
Speaker 4: fact that this person is taking advantage of her and
Speaker 4: her money.
Speaker 2: They have been in.
Speaker 4: A relationship for about eight months and the partner has
Speaker 4: already moved in with her. Her partner does not contribute
Speaker 4: any rent, nor paid bills or groceries. They have gone
Speaker 4: on holidays and Mom has paid for the entire thing,
Speaker 4: and she always pays for their dinners out. This person
Speaker 4: has a full time job, so I don't see why
Speaker 4: they can't contribute equally to this relationship.
Speaker 2: I think she's blinded by her new found happiness.
Speaker 4: And companionship, and I'm really worried she's putting herself in
Speaker 4: a bad financial situation, as it's not sustainable to her
Speaker 4: to support both of them. I don't want to hurt
Speaker 4: her feelings, but I feel like I need to say something.
Speaker 4: Do you have any advice on how I could navigate
Speaker 4: this conversation?
Speaker 7: So tricky?
Speaker 2: This is very tricky, so spicy.
Speaker 5: It's hard because to me, there's kind of two elements
Speaker 5: to this, like if it was your friend, if it
Speaker 5: was your mum, if it was someone, if it's anyone
Speaker 5: you know, I think, and you care about them, you
Speaker 5: want to flag these things with them, and you want
Speaker 5: to in this situation, definitely, I think go about it
Speaker 5: in a kind and gentle way. The other side of
Speaker 5: it is, you also can't tell somebody how to spend
Speaker 5: their money or how to live their life, and what
Speaker 5: from the external might look like someone being taken advantage
Speaker 5: of if they're aware of these expenses, if they're conscious
Speaker 5: of them, there is also the possibility that they are
Speaker 5: happy with that arrangement. And I think like it's the
Speaker 5: daughter's job to say, hey, like, have you thought about
Speaker 5: the implications of this, what's the plan long term? Have
Speaker 5: you given it any consideration? Because I just want to
Speaker 5: make sure that you're going to be okay and that
Speaker 5: you know, things are somewhat equitable or equal. But then
Speaker 5: at the same time, for example, if the mum earns
Speaker 5: heaps more than the partner, maybe she is going, oh, well,
Speaker 5: I'm really happy to pay for these things because I
Speaker 5: like these certain things. I've become accustomed to this lifestyle
Speaker 5: as a previously independent woman. So it's kind of like,
Speaker 5: I think you should absolutely have a conversation because I
Speaker 5: think in any circumstance like this, you're better off flagging
Speaker 5: a potential risk than not, because you would hate to
Speaker 5: not flag it and then have it go badly. I
Speaker 5: think if you love someone, you should always be comfortable
Speaker 5: bringing these things up, and I think that needs to
Speaker 5: be done gently and with kindness and in a way
Speaker 5: that is supportive, not aggressive or you know, a bit
Speaker 5: like what are you doing or anything like that. I
Speaker 5: don't think that's well.
Speaker 4: I think we need a bit more context around the relationship,
Speaker 4: because do you have like beef with this dude that's
Speaker 4: come in like already, like you're already talking to Mum
Speaker 4: being like I don't really like him, he takes advantage
Speaker 4: of you, but you haven't really mentioned the financial part,
Speaker 4: and then this is like another layer. If so, it
Speaker 4: needs a bit more of a balanced conversation. Or is
Speaker 4: this something where you're like, oh, here's a really great guy,
Speaker 4: but also Mum, by the way, So I think it's
Speaker 4: there's a bit more context that needs to play into it.
Speaker 4: But as you said, Jess, I think if you're in
Speaker 4: a circumstance where you love and trust someone, I would
Speaker 4: always bring it up. I'm the type of person that
Speaker 4: I'd prefer you to be mad at me for me
Speaker 4: caring about your well being. Like if I thought Jess
Speaker 4: was in a situation that I didn't like. I know,
Speaker 4: Jess is probably not going to like me bringing it up,
Speaker 4: but I'd be like, hey, I just feel like X
Speaker 4: y Z, And same with you, Beck, Like I would
Speaker 4: bring it up even if it made you a little
Speaker 4: bit mad at me, because I would prefer to be
Speaker 4: in a circumstance where you're mad at me, but you're
Speaker 4: safe and you're happy and you're being respected, And I
Speaker 4: think that that's where it comes from, because that's how
Speaker 4: I would frame it. I'd be like, hey, Beck, I
Speaker 4: know you could think that I'm really overstepping here and
Speaker 4: it's totally none of my business, but I can't get
Speaker 4: it off my mind. Here are my thoughts and feelings.
Speaker 4: Do what you wish with them, and I think that
Speaker 4: that's it. But not everybody is like that. Yeah, I
Speaker 4: think it's a hard situation to navigate.
Speaker 1: What would you do?
Speaker 7: But it is a hard one.
Speaker 6: Actually, I think I want to be a sugar daddy,
Speaker 6: so this is a situation where but so it might
Speaker 6: be this situation where someone wants to be you know,
Speaker 6: financially submissive or whatever the term is. They could be
Speaker 6: that exactly what you're saying. Yes, maybe not exactly what
Speaker 6: kind of king. Maybe it's king we don't want to
Speaker 6: yuck anyone's yam. It could be that situation. But also,
Speaker 6: and this kind of comes from I listened to the
Speaker 6: podcast Something Was Wrong. They talk about a lot about
Speaker 6: like abusive relationships and sometimes financially situationally like it's my
Speaker 6: favorite podcast, and so I guess, like, I mean, sorry,
Speaker 6: other than this one, Nope, that this is extremely awkward.
Speaker 7: I'm so sorry.
Speaker 6: But obviously without saying but no, but they do talk
Speaker 6: about this kind of thing, and I guess like, so
Speaker 6: this is more not really financial advice. This is more
Speaker 6: just like emotional and relationship advice. So exactly as you
Speaker 6: guys are saying, definitely, you know, bring it up. But
Speaker 6: as long as the person, as long as your mum
Speaker 6: in this situation knows that you will always be there
Speaker 6: no matter what happens, and if and if she is
Speaker 6: staying with this person, if she is in a bad situation,
Speaker 6: if she says with a person for many many years,
Speaker 6: you will consistently, always forever be there as the safety blanket. Also,
Speaker 6: you know, when you're dating someone and there are some
Speaker 6: little red flags, so you don't start telling your friends
Speaker 6: about because you don't want them to dislike your partner. Yeah,
Speaker 6: so opening that communication and being like, hey, you're allowed
Speaker 6: event here and I'm not going to dislike your partner.
Speaker 6: Let's just talk about this person like the maybe have
Speaker 6: no chill, but let's let's remain completely indifferent about like
Speaker 6: who the person is and all this kind of thing.
Speaker 6: Just ye, just be I agree as like, put you know,
Speaker 6: as little pressure on them as possible, and just be
Speaker 6: consistent and be kind and exactly saying patient and open
Speaker 6: and hopefully they'll I mean they have to find their
Speaker 6: own way. If this is a problem, they'll have to
Speaker 6: find their own way out. They won't listen to anyone
Speaker 6: unfortunately most likely just being there for every step, and
Speaker 6: I think.
Speaker 5: Or sprinkling in some resources where relevant, like oh, like
Speaker 5: I listened to this really great podcast that talks about
Speaker 5: you know, financial money and relationships in the different ways
Speaker 5: that you can handle that. Or I saw this really
Speaker 5: great article that somebody wrote about equity and this and that,
Speaker 5: or just I think checking in like don't have the
Speaker 5: conversation once and then be done with it. I think
Speaker 5: if you're worried, people also do have gut instincts where
Speaker 5: protective of the people that we love. Monitor the situation
Speaker 5: from a little bit of a distance, and just keep
Speaker 5: an eye on it, and keep an eye out for
Speaker 5: any additional red flag, and don't be afraid to just
Speaker 5: check back in and be like, how are things going.
Speaker 5: Oh my gosh, Like I've read this thing and it
Speaker 5: made me think about you guys, or I just wanted
Speaker 5: to see how you were going with everything, because I
Speaker 5: think as well as you were saying, like, if it
Speaker 5: is a negative thing, if this is a potentially abusive
Speaker 5: relationship or a relationship where someone is being taken advantage of,
Speaker 5: it will potentially get worse over time. It might take
Speaker 5: them a while to find out how they feel, and
Speaker 5: maybe that's when they'll need help them. In those types
Speaker 5: of relationships, often the thing that the abuser does is
Speaker 5: cut off your ties to people. So yes, don't let
Speaker 5: them do that to you. But at the same time,
Speaker 5: as I said, that's not necessarily the case, Like it's
Speaker 5: really hard to know without observing what side of the
Speaker 5: table this falls on, And so I think it's for
Speaker 5: our listener, just about having the conversation and as you said,
Speaker 5: reminding their mum that they're there, and just keeping an
Speaker 5: eye on things the best you can, because also you're
Speaker 5: the child in this situation. There's only so much that
Speaker 5: you can do to parent your parent, you know what
Speaker 5: I mean totally.
Speaker 4: You said it really well before. You're not privy to
Speaker 4: the relationship, like and that's just it, Like you might
Speaker 4: see it as an outsider, but like Beck and I
Speaker 4: have this relationship and we've actually talked about it and
Speaker 4: I'm really comfy with it, and you just don't know
Speaker 4: that because to be honest, it's none of your business
Speaker 4: in a way, like why would your mum announce that?
Speaker 4: But I think the important thing here for me is
Speaker 4: really around the expectation, Like is that person expecting your
Speaker 4: mum to cough up every single time? Or has that
Speaker 4: been a pre I guess meditated conversation. Is that something
Speaker 4: where she's like, look, I know that you're saving or
Speaker 4: you're doing this, or you're doing that, and i'd love
Speaker 4: to pay more because I am actually super wealthy. Like
Speaker 4: if that's the case, then great, But I think it's
Speaker 4: about that expectation is he grateful for the contributions that
Speaker 4: your mum is making or is he just expecting it?
Speaker 4: Because I think that's really a reflective of the dynamic
Speaker 4: that the relationship has. And I think, yeah, people only
Speaker 4: hear what they want to hear when they want to
Speaker 4: hear it. So even if you say something to your
Speaker 4: mum now, don't be surprised if she doesn't want to
Speaker 4: take that advice or hear it. And then in a
Speaker 4: couple of months when maybe the relationship disintegrates, if it does,
Speaker 4: like you know, I'm obviously extrapolating that out, don't go
Speaker 4: I told you so. If she comes to you as
Speaker 4: a safe place to be like, oh my gosh, I
Speaker 4: can't believe he Xyz, don't go, oh well, I told
Speaker 4: you so. Like that's so unhelpful because sometimes people literally
Speaker 4: only hear what they want to hear when they want
Speaker 4: to hear it. And that's okay if it didn't come
Speaker 4: from you. So we obviously asked the community. We said,
Speaker 4: do do you know someone who has had a partner
Speaker 4: that was quote dating them for the money. I thought
Speaker 4: this wouldn't be many, but forty four percent of you said.
Speaker 2: Yes, Oh my god, that's a lot wild.
Speaker 4: We said, if yes, were they aware that this was happening?
Speaker 4: Ninety three percent of you said they were totally naive.
Speaker 2: To what was happening.
Speaker 4: That makes sense to me, It makes sense, But that's
Speaker 4: probably why our community DM writer in ra is like,
Speaker 4: do I say something? Ah, yes, in this circumstance. If
Speaker 4: it was your mum, what would you do? Ninety five
Speaker 4: percent of you said I'd raise my concerns with her
Speaker 4: as soon as possible. And then we asked for your
Speaker 4: two cents, which is my favorite because I love your opinions.
Speaker 4: They are so colorful sometimes and I'm always like, wow,
Speaker 4: I didn't even think of that.
Speaker 2: So there's been a few really great responses.
Speaker 4: First one I want to read out was I was
Speaker 4: the person being taken advantage of. I was completely blinded
Speaker 4: by love, and I wish someone had said something. Yeah,
Speaker 4: someone else said, how did she know this guy isn't
Speaker 4: paying for stuff when she's not there? Is he maybe
Speaker 4: just transferring money after it and you're just seeing the
Speaker 4: credit card transaction take place?
Speaker 6: You know?
Speaker 7: Sure?
Speaker 5: So that's smart. That's a good, very good point.
Speaker 4: That's smart because like I remember when I was dating
Speaker 4: my husband at the very start like he would just
Speaker 4: transfer me and I would just transfer him, and like
Speaker 4: then it got to a point where we weren't transferring
Speaker 4: each other. I was just like, Oh, just get the
Speaker 4: next one, right, ran. That's kind of like how the
Speaker 4: relationship progressed. But if you know, Jess, you came out
Speaker 4: with me, right, Let's pretend I took you out on
Speaker 4: a third Wheel weird date and Steve. I would pay
Speaker 4: for you both because you're my friend, if that makes sense.
Speaker 4: So like your experience might be that I pay all
Speaker 4: the time, But why would Steve pay for you if
Speaker 4: you were invited by me?
Speaker 5: If you or my mom, that makes way more sense.
Speaker 5: It's like an example too in the context of this thing.
Speaker 2: Yeah, exactly.
Speaker 4: That's where I was like, hold up, hold up, Maybe
Speaker 4: you're only seeing that because whenever you're out for dinner,
Speaker 4: she pays because it's two to one, right, all right.
Speaker 2: Someone said someone needs to send her that she's on
Speaker 2: the Money podcast.
Speaker 4: Oh bless I agreed, thank you, thank you, not to
Speaker 4: beck though it's not her favorite.
Speaker 3: Of it.
Speaker 4: Someone said, this is a really big red flag. I
Speaker 4: was in this circumstance and it turned into financial abuse.
Speaker 4: Someone said, please say something from a place of love,
Speaker 4: and then whatever happens is they're not on her from
Speaker 4: then on in. Someone said, sisters before misters, tell her
Speaker 4: how you see it, and then give her a chance
Speaker 4: to reflect. Someone else has said, so the rearing I
Speaker 4: guess outcome here is please communicate. Someone said, communicate your
Speaker 4: concerns and ask how their new partner is actually contributing
Speaker 4: financially or contributing at all.
Speaker 1: Yeah.
Speaker 5: I was going to say that before actually, when you
Speaker 5: were talking about not seeing the things that they're doing, Like,
Speaker 5: what if it is one of those relationships where perhaps
Speaker 5: if someone who's better off, they contribute in other ways,
Speaker 5: because there are other ways you can contribute to relationship
Speaker 5: that aren't necessarily financial.
Speaker 4: Yeah, it's very very true. I've got one more and
Speaker 4: I like this thought pattern. Ask your mom for some
Speaker 4: advice about your quote friend who happens to be in
Speaker 4: this situation and see what she.
Speaker 5: Says, cool, very good idea, and.
Speaker 2: Be like, oh boom, mum, it's actually you, you're the friend.
Speaker 2: I kind of like that.
Speaker 4: It's it also takes a little bit of the aggressiveness
Speaker 4: of the conversation away. Yes, talk about beck, Yeah, talk
Speaker 4: about Victoria, talk about Jess, your friend Victoria has this issue,
Speaker 4: what do you do? And then maybe it might prompt
Speaker 4: a conversation about her situation, or maybe you'll leave it
Speaker 4: for a week or two and then you go back
Speaker 4: and be like, hey, Mum, I was just reflecting on
Speaker 4: that talk to my friend and it just reminded me
Speaker 4: of your circumstances. You're okay, yeah, And then at least
Speaker 4: she's had a seed planted, and that could be a
Speaker 4: really great place to start, because honestly, no one likes
Speaker 4: being blindsided by harsh conversations. And I've said this a
Speaker 4: million times on the podcast, like, if I need to
Speaker 4: have a hard conversation with my partner, I will message
Speaker 4: him or tell him that that conversation is coming up
Speaker 4: so he can prep Or if there's a really big
Speaker 4: decision that we need to make, I think it's unfair
Speaker 4: if in my head I'm like, all right, well, we
Speaker 4: need to make this really big decision, and I spend
Speaker 4: a whole heap of time, energy and effort researching it
Speaker 4: and understanding it, and then I go to Steve and go, hey,
Speaker 4: by the way, we need you xyz. And this is
Speaker 4: the outcome. He hasn't had that prep time. That's not fair.
Speaker 4: So maybe you know planting the seed is a good thing.
Speaker 4: Yea many additional things before we run away, my friends.
Speaker 7: No, I don't think so.
Speaker 2: I love it all right. Well, this has been a
Speaker 2: good EP.
Speaker 4: Thank you for joining us once again for our Friday
Speaker 4: episode of celebrating you, our beautiful community.
Speaker 2: We will see you one Monday, fresh and bright for
Speaker 2: a money diary. But till then, have the best weekend,
Speaker 2: My loves my gods.
Speaker 5: Bye.
Speaker 4: The advice shared on She's on the Money is general
Speaker 4: in nature and does not consider your individual circumstances. She's
Speaker 4: on the Money exists purely for educational purposes and should
Speaker 4: not be relied upon to make an investment or financial decision.
Speaker 4: If you do choose to buy a financial product, read
Speaker 4: the PDS TMD and obtain appropriate financial.
Speaker 2: Advice tailored towards your needs.
Speaker 4: Victoria Divine and She's on the Money are authorized representatives
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