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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. She's on the Money.

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Speaker 3: 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 it is time to get the team back

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Speaker 4: together to celebrate you ow incredible. She's on the Money

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Speaker 4: community Today, Miss Jess Gricci is going to be sharing

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Speaker 4: our favorite money wins. Miss Becksayed is going to be

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Speaker 4: sharing her best brogue tips with us. We're going to

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Speaker 4: be helping to answer a juicy money dilemma, which this

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Speaker 4: week is all about the best way to manage cash

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Speaker 4: flow between multiple bank accounts, and we're going to be

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Speaker 4: unpacking something you slid into our DMS about which this

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Speaker 4: week is managing rent after a breakup. So let's get

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Speaker 4: straight into it. But first things first, my friends, how.

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Speaker 2: Were your weeks?

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Speaker 5: Mine was really nice. It's been really busy but good.

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Speaker 2: That's a good thing. Is that a good thing? Yeah?

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Speaker 2: I think so.

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Speaker 5: I feel like I'm always I don't have time to

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Speaker 5: figure out if I'm not happy because I'm too busy busy.

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Speaker 2: Do you know what I mean?

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Speaker 4: Ye, life, I'm fool that you don't have time to

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Speaker 4: think about your emotions. It's actually tried and true strategy

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Speaker 4: and true push.

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Speaker 2: We don't need those emotions.

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Speaker 4: We need is a breakdown, and you'll get one if

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Speaker 4: you keep doing that.

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Speaker 2: It's a very good idea. Come organically.

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Speaker 4: Yeah, nice, nice, All right, Well, miss Jessica Ricci was

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Speaker 4: your week just as good?

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Speaker 6: It was thrilling. We had some sun in Melbourne?

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Speaker 2: We love? What's that all about it? Where did that

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Speaker 2: come from? I don't know? But it can stay. I'd

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Speaker 2: be very happy. If I'm not proud, we're just confused.

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Speaker 6: Not mad at all. Our go to skin care code came.

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Speaker 2: Back, which is a ten out of ten.

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Speaker 4: I am genuinely so excited about this because obviously go

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Speaker 4: to skincare don't give out their codes that freely, like

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Speaker 4: they're hard to get.

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Speaker 2: But because our.

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Speaker 4: Community asked so many times, they were like, yeah, okay,

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Speaker 4: here it is.

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Speaker 6: Everyone can thank Anne, who was the first person to

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Speaker 6: comment on our posts this week when we put up

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Speaker 6: a little posty post with go to which we're obsessed

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Speaker 6: dying the fact that they are paying us money.

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Speaker 2: I actually I.

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Speaker 4: Can't believe that. Like I've made it. I've made it.

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Speaker 4: I went in there one time. I can die happy.

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Speaker 2: Me too.

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Speaker 6: So she coment on the post and said, oh, guys,

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Speaker 6: like is the code?

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Speaker 2: When's the code?

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Speaker 6: We if you remember last time, we only got it

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Speaker 6: for one week.

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Speaker 2: That was it.

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Speaker 6: They're like one week, that's.

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Speaker 2: All you get. We were like, okay, no problems, are

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Speaker 2: you a little bit?

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Speaker 6: I worked it. It was good me too. And then

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Speaker 6: Am commented and I put it on the stories. I

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Speaker 6: was a little bit cheeky and I said, hey, God,

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Speaker 6: use your audience. You want the code, go comment and

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Speaker 6: then I scream shot it.

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Speaker 4: I said it's straight to go to, Like, Hi, we

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Speaker 4: really need this. It would make our community really happy.

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Speaker 6: So one more week only, I feel like, what's the code?

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Speaker 6: Won't get it again? So fifteen fifteen percent off across

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Speaker 6: the site. Incredible. We'll put all the details in the

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Speaker 6: description in case I've gotten something.

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Speaker 4: Have you ever thought that maybe go to a reverse

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Speaker 4: engineering this and they just got a really good advertising

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Speaker 4: segment on our podcast.

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Speaker 2: We haven't really thought about this, you know what I

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Speaker 2: meant too deeply? No, no, no, let's go too deeply.

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Speaker 4: Let's get on with the week, because like I'm excited

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Speaker 4: about it. I needed that fifteen percent of because I'm

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Speaker 4: almost out of my son's screen and that's money win

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Speaker 4: exactly into Oh my gosh, Jessica Rich, is it time

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Speaker 4: for money with?

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Speaker 2: I think it my fair? Oh my gosh, what have

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Speaker 2: you got for us this week? I did not see

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Speaker 2: it coming.

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Speaker 6: My first money whin comes from Clara, who said, I

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Speaker 6: run out of my fifty pack of pilates classes today.

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Speaker 6: They went on sale with twenty percent off, so I

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Speaker 6: bought another fifty, saved almost one hundred and seventy dollars,

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Speaker 6: and I'm just impressed that class fifty.

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Speaker 2: This is so impressive.

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Speaker 4: I don't think I've like, yeah, I don't think I've

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Speaker 4: either been to that many classes.

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Speaker 2: Maybe I've skipped that week.

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Speaker 4: Oh yeah, skipped fifty for sure, But do you know

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Speaker 4: would have gone to fifty classes?

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Speaker 2: Gabby? So, Gabby's on our team.

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Speaker 4: You've probably heard of her before, but far out she's

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Speaker 4: like the pilates queen.

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Speaker 2: She loves her pilates.

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Speaker 6: She does indeed, well, maybe she can see if she

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Speaker 6: can get a bulk discount next time she looks.

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Speaker 4: I don't even know if my studio offers fifty packs.

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Speaker 4: Maybe because they don't have that much faith in us.

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Speaker 2: Maybe not.

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Speaker 6: My next money win comes from Lauren, who said money win.

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Speaker 6: Cam Art thirty nine dollars knee high healed boots they slay.

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Speaker 2: Oh do you know what? I have had so many

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Speaker 2: dms about this, suggess.

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Speaker 4: I think we should go and check out Camar and

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Speaker 4: see what their boots are like, because I need winter

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Speaker 4: boots and they're so expensive. Like I went into David

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Speaker 4: Jones the other day, I went into May. I was

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Speaker 4: checking out a few different options. One I couldn't find

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Speaker 4: a pair of boots that I liked. True, every time

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Speaker 4: I looked at them, I'm like, that's so much money? Like, yeah,

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Speaker 4: I already don't have them, do I really need them?

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Speaker 4: And yeah, I've got analysis paralysis, so maybe we should

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Speaker 4: just go to Kmart.

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Speaker 6: I have a couple that I bought from Kmart last

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Speaker 6: year of the year before, and they're still going strong.

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Speaker 4: I bet they're the ones that everyone asks about always too.

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Speaker 4: How happens all the time?

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Speaker 2: Very cute.

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Speaker 6: My next money wind came from Emma, who said money win.

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Speaker 6: I bought some plants and was gifted for variegated monster

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Speaker 6: cuttings and some anthriums and three.

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Speaker 2: Uriums and atherums.

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Speaker 4: Sam, if you don't leave that in there, please pleasely

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Speaker 4: and theorium? Do you know what I know exactly who

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Speaker 4: that is because I follow her on TikTok be cause

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Speaker 4: you little known fact about me that's only little known

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Speaker 4: if you don't follow me on my personal socials is

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Speaker 4: I have an addiction to exotic plants like I really

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Speaker 4: like buying like very gated monsters. I've got a few

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Speaker 4: Tai constellations. I've definitely spent a lot of money on

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Speaker 4: a few al but anything that.

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Speaker 2: Is hard to get me hold off. Yeah, I'll show

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Speaker 2: you later. I got beautiful and so jealous.

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Speaker 4: Yeah, would you say a guilty pleasure, like they're like

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Speaker 4: my children. I will show you them when you come

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Speaker 4: to my house anyway to be gifted four cuttings. People

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Speaker 4: pay for those, so that is, and they're very expensive,

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Speaker 4: like a cutting of a very gated MONSTERRA is like

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Speaker 4: at least one hundred and fifty dollars each. Anyway, for

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Speaker 4: those of you who might follow me on my personal account,

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Speaker 4: I bought my elbow from her brother in No, from

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Speaker 4: her brother in law, like I'm in the plant community

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Speaker 4: now like I'm not, but like I just I'm in

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Speaker 4: the no guist.

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Speaker 2: She knows, she knows.

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Speaker 5: Just need it on record that I keep hearing very

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Speaker 5: gay monster up.

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Speaker 2: It's a very gay monster.

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Speaker 6: You know what that looks like?

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Speaker 2: Why don't you have one? I can't fully they don't

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Speaker 2: have a very gay monsterra.

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Speaker 4: You know what, I'll take it. What's next money win?

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Speaker 4: Because Beck's already lost it.

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Speaker 6: The next money win is from Deborah and she said,

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Speaker 6: I just said yes to the dress. Thanks to Marketplace.

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Speaker 6: My dress retails for four thousand dollars, and I found

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Speaker 6: it online for twenty five hundred with a veil. Money

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Speaker 6: win bargained it to two thousand without the veil and

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Speaker 6: we tried on. It was a little bit big and

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Speaker 6: it had a stain, so I offered fifteen hundred dollars.

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Speaker 2: Don't she agreed, Oh my gosh, how good is that?

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Speaker 2: A little hustler turn out of ten?

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Speaker 6: Huge saving there. My next money win comes from Kim,

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Speaker 6: who said I had a medical procedure on Monday, which

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Speaker 6: I was told was going to cost me three hundred

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Speaker 6: and eighty dollars.

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Speaker 2: Out of pocket.

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Speaker 6: After the procedure they told me it was one hundred

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Speaker 6: percent covered by Medicare. I love that money week price,

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Speaker 6: that's unreal. And then my last money win for this

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Speaker 6: week came from Bridget who said I got rush ticks

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Speaker 6: on today, ticks to see Come from Away, so good

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Speaker 6: and amazing seats one hundred and forty dollars tickets for

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Speaker 6: forty five.

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Speaker 5: Oh, were you confused to I it was?

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Speaker 2: I thought it was.

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Speaker 6: I think a rush tick is like a last minute

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Speaker 6: ticket and this must be a platform.

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Speaker 4: I had no idea, to be honest, when you said tick,

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Speaker 4: I was like, that is a small bug that you I'm.

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Speaker 2: Sorry that You've got.

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Speaker 6: Great way if you're a theater girly to see some

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Speaker 6: amazing shows I've heard Come from Away is absolutely outstanding.

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Speaker 6: I have used last ticks before and they are also great.

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Speaker 6: That's tick with an X, not a C. That's how

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Speaker 6: you got confused. Tick ticks tick.

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Speaker 2: That is really really cool.

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Speaker 6: Left it that's because they're usually so expensive. Great My

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Speaker 6: last und support the arts round.

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Speaker 4: All right, let's segue again into hopefully what is another

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Speaker 4: money win?

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Speaker 1: Beck?

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Speaker 2: Have you got a broke tip for us this week?

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Speaker 2: If so, what is it?

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Speaker 4: Yes?

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Speaker 5: Okay, So, I'm actually very excited for this new little segment.

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Speaker 5: A few people wrote into me on my Instagram at becksied.

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Speaker 2: I'm very grateful for you guys, and we're encouraging this.

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Speaker 5: Yes, strongly encouraging this, strongly encouraging.

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Speaker 2: And thank you for supporting me.

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Speaker 5: So my first one this week is from Sarah Luise,

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Speaker 5: who said that if you are out of foundation, it

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Speaker 5: need to go to an event, or you just need

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Speaker 5: a few days or a week until payday, pop into

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Speaker 5: makeup giants such as Mecha or Sephora and grab a

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Speaker 5: sample of something which I know I am smart.

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Speaker 2: It's very very smart.

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Speaker 5: I can't fully relate to the makeup side of things,

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Speaker 5: but it did get me thinking about when you're going

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Speaker 5: to an interview or a date, you don't have perfume maya.

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Speaker 4: Oh, just swing past, do a little bit of spritzy spirits,

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Speaker 4: fritzy spirts and she smells expensive.

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Speaker 2: Now smells expensive.

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Speaker 5: I really really like this one.

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Speaker 2: I do that a lot. Actually, you're quite smart, very clever.

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Speaker 5: So my second broke tip for this week is from

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Speaker 5: Karla who recommends.

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Speaker 2: That I follow this person on Instagram. It is Jasmine.

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Speaker 5: Or Western and her handle or their handle is Jasmine seats.

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Speaker 5: That's Jasmine without the E. At the end, she or

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Speaker 5: they kind of give their under ten dollar recipes.

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Speaker 4: F I haven't seen that one, but there's a few

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Speaker 4: on TikTok that I follow.

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Speaker 2: Jenny. I follow Jenny on TikTok. I love Jenny. Yeah.

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Speaker 2: I think her user names like jen A or something.

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Speaker 4: Anyway, she has like she goes to Kohle's or Woolies

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Speaker 4: or whatever with like ten bucks and shows you like

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Speaker 4: a good meal that you can make with ten dollars

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Speaker 4: that will feed like family, which I think is really cool.

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Speaker 6: Yes, it's Jenny one that does the mudcake CAx as well.

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Speaker 2: I'm not sure. Tiamacmac.

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Speaker 5: Yes, I love Taback Now that's some energy, wholesome energy.

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Speaker 5: So I do just want to say, Jasmine shops at

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Speaker 5: Woolworths so very accessible.

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Speaker 2: Or you know, at least pretty accessible and gets.

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Speaker 5: All of the ingredients from wool Wears and it's all

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Speaker 5: under ten dollars and you can get some really really

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Speaker 5: good recipes out of this, so healthy and fresh and

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Speaker 5: fun and yeah, so that's kind of the I love

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Speaker 5: that those are the broke tips for the week.

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Speaker 2: It's your broke tip of the week.

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Speaker 4: I'm very excited to hear because I just feel like

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Speaker 4: You've got this brain that's like a little wizard and

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Speaker 4: we all want to get inside and be like thank you,

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Speaker 4: But what would Beck do? So we're all going to

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Speaker 4: get like little plastic braces the say wwb D and

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Speaker 4: it's what would Beck do?

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Speaker 2: That is so nice? So this is I have to

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Speaker 2: be honest with you.

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Speaker 5: I My broke tip was actually the spin off of

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Speaker 5: Sarah Luise's broke tip, which is to go to my

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Speaker 5: But I do want to say this, and this isn't

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Speaker 5: something that I advise everyone to do, but a few

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Speaker 5: years ago, when I needed to change my white joggers

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Speaker 5: to black joggers, I colored the knockers permanent marker for

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Speaker 5: oh shoes color colored my shoes in with permanent marker

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Speaker 5: for a hospo job. They didn't the whole shoe, the

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Speaker 5: whole shoe, tongue and everything.

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Speaker 3: You did.

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Speaker 5: I promise, I promise it's correct. I want to know

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Speaker 5: how better it Honestly, for the amount of time.

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Speaker 2: I needed, it worked.

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Speaker 5: It worked for like one or two days, but then

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Speaker 5: once it rains it goes purple.

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Speaker 2: Did you know that you can buy collarge changing shoes.

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Speaker 2: That sounds expensive. I'm pretty sure and I did that.

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Speaker 6: You can buy leather paint is another tip that would

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Speaker 6: be a lot them buying a whole new shoe. Like

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Speaker 6: if you just buy some black leather paint, it's made

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Speaker 6: to like paint shoes and stuff like that.

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Speaker 2: Oh, that's way smarter.

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Speaker 4: I was out of s You can just get some

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Speaker 4: like rip dye and dunk them in die.

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Speaker 5: Yes, yes, if you yes, I love that, So you

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Speaker 5: don't have to go out and buy new shoes.

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Speaker 2: Yes.

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Speaker 4: Why are we bothering with these solutions when we could

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Speaker 4: have just flowed them in.

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Speaker 5: You could have called them in. And also I'm thinking

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Speaker 5: if you want them to go back to white. At

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Speaker 5: some point you can just wash them straight out.

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Speaker 2: What do you mean, just wash them straight? Not that

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Speaker 2: it's do you know what?

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Speaker 4: We're canceling the money tip there or the broke chip

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Speaker 4: there because they're not going back to white. If you

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Speaker 4: color your shoe in, disclaim it here. I'm not responsible

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Speaker 4: for what happens if you try to have it your shoe.

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Speaker 4: Please don't come for us patch test it. We're not

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Speaker 4: promising that it works.

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Speaker 6: That's very true, that's good, I believe you, but also

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Speaker 6: don't want people to yell us now DMS no, absolutely not.

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Speaker 4: Someone taking that super sit They're like, this didn't even

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Speaker 4: look professional.

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Speaker 6: Jessica, I.

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Speaker 5: Carry my high heels for my wedding in black, and

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Speaker 5: they I don't know what.

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Speaker 4: Happened to try it with a pair of shoes that

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Speaker 4: I don't wear anyone. Let's go to a break before

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Speaker 4: we get the moreish tips. And on the flip side,

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Speaker 4: we're going to talk about the best way to manage

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Speaker 4: cash flow between multiple accounts, and we're going to talk

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Speaker 4: about how to manage rent after a breakup.

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Speaker 2: Don't go anywhere, guys.

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Speaker 6: Welcome back, everybody. Let's listen to this week's money dilemma.

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Speaker 4: Hi, there, have you got a money dilemma you just

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Speaker 4: can't solve. The Shoes on the Money team is here

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Speaker 4: to help. Every week, we tackle your dilemmas, both big

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Speaker 4: and small, to answer your most burning money.

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Speaker 2: Career and life questions.

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Speaker 4: To get involved, simply head to our website and leave

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Speaker 4: us a short voice recording and you might just find

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Speaker 4: yourself on the show. Now, let's take a listen to

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Speaker 4: this week's money dilemma.

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Speaker 7: High Ladies purchased a home and we'll have access to

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Speaker 7: an offset account where I plan to keep all my

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Speaker 7: savings in to offset my mortgage. Someone who has ten

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Speaker 7: different accounts for different purchases and expenses. Even my dog

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Speaker 7: has its own savings account. I'm stuck on how to

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Speaker 7: best manage my cash flow. Since I won't be able

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Speaker 7: to have a subcategory in my offset and it'll just

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Speaker 7: be one large amount of cash. It could potentially transfer

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Speaker 7: out my fortnightly allocation for bills and daily spending, but

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Speaker 7: this would then mean my account is an offsetting at

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Speaker 7: its full potential. I thought about keeping an Excel spreadsheet

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Speaker 7: where every time I get paid, I jop down how

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Speaker 7: much is allocated to each category, but it would get

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Speaker 7: really difficult to track if I had to make frequent withdrawals.

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Speaker 7: Thank you so much, love the show.

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Speaker 2: How wholesome. First question I have, guys, what do you

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Speaker 2: think her dog is saving for? Acturely, I don't know.

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Speaker 4: I was going to say it, and now I regret

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Speaker 4: it because it's like, not even funny. I understand that

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Speaker 4: you're probably like saving for your dogs costs or expenses,

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Speaker 4: but that makes absolute sense. Jess, you budget this way,

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Speaker 4: don't you. You have a savings account for everything?

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Speaker 6: Yes, I do, but I don't have an offset so

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Speaker 6: not yet?

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Speaker 2: Whatnot yet?

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Speaker 4: When you listen to the property playbook, you might get

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Speaker 4: an update on where Jess is at in that process. However,

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Speaker 4: I think this is actually a question for your mortgage broker.

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Speaker 4: If you don't have one, obviously, check out Zella Money

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Speaker 4: and they will hook you up. But you can actually

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Speaker 4: find a bank that would have multiple offset options. So

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Speaker 4: some banks might say, okay, Beck, you only get one

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Speaker 4: offset account, But there are a lot of banks that

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Speaker 4: also will let you have as many offsets as you

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Speaker 4: would like.

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Speaker 2: So that's the circumstance I'm in.

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Speaker 4: I can have as many as I want, and I

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Speaker 4: can use them for whatever I want, and I have

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Speaker 4: you know, different savers set up so that every single

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Speaker 4: dollar that comes into my bank account is working as

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Speaker 4: hard for me as I do free. And I think

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Speaker 4: that that's really important because obviously, you know, if you've

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Speaker 4: got a mortgage, you kind of want to offset the money,

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Speaker 4: especially when the interest rates are as high as they

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Speaker 4: are today. The other way that you could manage it

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Speaker 4: is going back to basics. So let's say that you

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Speaker 4: have had a conversation with your broker and the best

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Speaker 4: possible outcome for you is a bank that only allows

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Speaker 4: you to have one offset account. You could go back

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Speaker 4: to basics and kind of have an app or a

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Speaker 4: spreadsheet or a system that enables you to track how

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Speaker 4: much is in each account technically but keeping it in

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Speaker 4: one lump sum, and then you know, drawing off that

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Speaker 4: to your cash flow. Personally, I would say that if

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Speaker 4: your broker suggests that the best outcome for you is

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Speaker 4: a bank that only allows one offset, when you've said

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Speaker 4: that that's really important to you, to me, that's a

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Speaker 4: little bit of a red flag, because when you're getting

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Speaker 4: a mortgage, the most important thing is not just the

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Speaker 4: interest rate. There's so much to take into consideration, there's

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Speaker 4: your personal circumstances, how flexible it needs to be, whether

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Speaker 4: you're going to be fixed or variable, whether you need

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Speaker 4: multiple offset accounts, whether you need you know, lots of

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Speaker 4: different things, lots of different considerations. Some mortgages only allow

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Speaker 4: you to pay off up to a certain amount in

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Speaker 4: addition each and every single year, and you might go, well, actually,

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Speaker 4: I really want to do more than that. So you

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Speaker 4: need to look into every single semantic of your loan

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Speaker 4: before you get involved, because I think a lot of

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Speaker 4: people just look at that interest rate.

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Speaker 2: And go I want the lowest interest rate, and.

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Speaker 4: It's like okay, But with the lowest interest rate might

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Speaker 4: come additional fees and a few constraints that you might

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Speaker 4: not want to consent to. So understanding what you're signing

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Speaker 4: up for is really important. But I guess TLDR i'd

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Speaker 4: be talking to your broker and asking, hey, friend, what

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Speaker 4: bank can I go with that will give me as

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Speaker 4: many offsets as I want because that's how I budget

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Speaker 4: in cash flow, and that's really important to me.

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Speaker 2: Is basically where i'd be going.

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Speaker 4: And if you don't have a broker, obviously shameless plug again,

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Speaker 4: just go see Kate, because you'll.

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Speaker 2: Saw you out turn out to you love Kate, Love Kate. Yeah,

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Speaker 2: we will. You have to shoose your colleague. They're the rules.

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Speaker 2: I made them. Every Yeah.

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Speaker 4: Yeah, I just get all these people together and I'm like, now, Keith,

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Speaker 4: like it's very, very important. But is there anything you

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Speaker 4: guys would like to add to that. I feel like

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Speaker 4: it was relatively straightforward. Get more offset accounts?

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Speaker 2: Yeah.

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Speaker 6: I like budget that way, so I feel like when

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Speaker 6: I one day buy a house, that'll be something that

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Speaker 6: I try and prioritize for sure.

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Speaker 2: Beck, what's your advice?

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Speaker 5: I would say that you're doing a great job and

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Speaker 5: keep it up.

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Speaker 2: Oh my gosh.

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Speaker 4: All right, We've got a bit of a spicy DM

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Speaker 4: to share with you this week. And I say it's

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Speaker 4: spicy one because of the topic. But two, you know

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Speaker 4: what Jess said off air before we got recording, Beck,

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Speaker 4: She said she thinks that you, Jess and I we're

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Speaker 4: going to be fighting over what we think is right

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Speaker 4: and wrong here, so you might see the first ever

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Speaker 4: she's on the Money street fight.

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Speaker 2: Straight. Do you know what?

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Speaker 4: Jess gorgeous, stunning, like one of the hottest people I've

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Speaker 4: met in my entire life, really intelligent, and then she

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Speaker 4: comes out with stuff like that and you're like, you

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Speaker 4: really are from the West Side, aren't you.

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Speaker 2: She's got a little bit a little bit of West

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Speaker 2: Side in it. Yeah, I believe that she could. I believe.

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Speaker 4: Yeah, sometimes I'm a little bit scared. You just got

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Speaker 4: a tread with caution. Anyway, this week's community dilemma like this, Hey, girls,

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Speaker 4: need your advice. My partner and I recently broke up.

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Speaker 4: We lived in a sharehouse with two of his friends.

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Speaker 4: There are three bedrooms, and we shared the biggest bedroom

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00:19:09,920 --> 00:19:12,240
Speaker 4: and had a private bathroom, so we both paid a

446
00:19:12,280 --> 00:19:15,120
Speaker 4: little bit more rent than the other housemates. After the breakup,

447
00:19:15,280 --> 00:19:17,960
Speaker 4: I'm moving back home and he's staying in the house.

448
00:19:18,080 --> 00:19:20,520
Speaker 2: However, he's asked me to keep paying.

449
00:19:20,280 --> 00:19:22,520
Speaker 4: My rent for the next few months, as he can't

450
00:19:22,560 --> 00:19:26,119
Speaker 4: afford both his and my portion of the rent. I

451
00:19:26,119 --> 00:19:28,800
Speaker 4: think maybe him and the other two housemates should be

452
00:19:28,800 --> 00:19:32,440
Speaker 4: splitting this extra rent between them until they find a solution.

453
00:19:33,160 --> 00:19:37,040
Speaker 4: But then the other housemates find this unfair, which I

454
00:19:37,040 --> 00:19:40,480
Speaker 4: can understand, as why should their rent increase just because

455
00:19:40,520 --> 00:19:43,040
Speaker 4: we broke up and I'm moving out? Do I keep

456
00:19:43,080 --> 00:19:45,679
Speaker 4: paying rent even though I don't live there anymore. Of

457
00:19:45,720 --> 00:19:47,680
Speaker 4: course I don't want to, but I don't want to

458
00:19:47,720 --> 00:19:51,359
Speaker 4: put financial stress on anyone. The whole thing is very messy,

459
00:19:51,440 --> 00:19:53,840
Speaker 4: and any advice is appreciated.

460
00:19:54,600 --> 00:19:56,800
Speaker 6: So I'm going to operate on the assumption here that

461
00:19:56,880 --> 00:20:00,840
Speaker 6: it's a twelve month lease. Okay, right, Yes, Well I

462
00:20:00,840 --> 00:20:02,800
Speaker 6: don't know it's because I'm assuming if they were not

463
00:20:02,800 --> 00:20:04,880
Speaker 6: on a twelve month lease, they were month to months,

464
00:20:04,880 --> 00:20:06,600
Speaker 6: you would just give your notice to fake ate like

465
00:20:06,640 --> 00:20:09,479
Speaker 6: you would no matter what. So just setting that as

466
00:20:09,560 --> 00:20:12,520
Speaker 6: the ground shot point for all of our perspectives.

467
00:20:12,560 --> 00:20:13,600
Speaker 2: Who wants to take it away?

468
00:20:14,040 --> 00:20:17,160
Speaker 4: Now, you guys can go, because I feel like I

469
00:20:17,200 --> 00:20:19,640
Speaker 4: am going to be opinionated on this because I went

470
00:20:19,680 --> 00:20:21,199
Speaker 4: through this and I was the one that broke up.

471
00:20:21,480 --> 00:20:25,600
Speaker 5: Okay, well, then I think just go to you can

472
00:20:25,640 --> 00:20:25,960
Speaker 5: go first.

473
00:20:26,000 --> 00:20:26,320
Speaker 2: Okay.

474
00:20:26,880 --> 00:20:29,560
Speaker 6: I think that assuming you've signed on to a twelve

475
00:20:29,600 --> 00:20:32,880
Speaker 6: month lease, that is your financial responsibility, Like everyone has

476
00:20:32,920 --> 00:20:35,480
Speaker 6: moved into this house on the agreement that we will

477
00:20:35,520 --> 00:20:37,679
Speaker 6: be living and we will be paying these amounts for

478
00:20:37,720 --> 00:20:41,399
Speaker 6: twelve months, regardless of your personal life, regardless if you

479
00:20:41,400 --> 00:20:43,760
Speaker 6: were splitting, regardless if you decided to add a third

480
00:20:43,760 --> 00:20:46,040
Speaker 6: person to your room, and split the rent three ways

481
00:20:46,040 --> 00:20:48,760
Speaker 6: with them, Like your room and the two other rooms

482
00:20:48,800 --> 00:20:51,160
Speaker 6: have an agreed value that you have all said.

483
00:20:50,960 --> 00:20:52,639
Speaker 2: You will pay for twelve months.

484
00:20:53,000 --> 00:20:56,240
Speaker 6: So if you've broken up, it's not the housemates problem.

485
00:20:56,280 --> 00:20:58,640
Speaker 6: The amount that they're paying should not change, full stop,

486
00:20:58,720 --> 00:21:01,640
Speaker 6: end of story between you and your partner. I kind

487
00:21:01,680 --> 00:21:04,960
Speaker 6: of feel like, again, you've both agreed to pay this

488
00:21:05,040 --> 00:21:07,679
Speaker 6: rent for twelve months. So as much as it sucks

489
00:21:07,720 --> 00:21:09,560
Speaker 6: that you're moving out, and as much as it sucks

490
00:21:09,600 --> 00:21:12,840
Speaker 6: that you've broken up, it is still your financial responsibility.

491
00:21:13,000 --> 00:21:16,520
Speaker 6: Are there ways around that? Absolutely? Like could you split

492
00:21:16,560 --> 00:21:19,160
Speaker 6: the room like some nights, like maybe you rotate between

493
00:21:19,160 --> 00:21:21,000
Speaker 6: your parents' house and there shared custody.

494
00:21:21,080 --> 00:21:24,040
Speaker 2: I don't know. Could you imagine, could you look at it?

495
00:21:24,080 --> 00:21:25,400
Speaker 2: I couldn't imagine anything worse.

496
00:21:25,480 --> 00:21:29,040
Speaker 6: I can't think there are other options you can explore.

497
00:21:29,160 --> 00:21:30,959
Speaker 6: Do you look at both of you moving out? Like

498
00:21:31,000 --> 00:21:33,639
Speaker 6: replacing yourselves with another couple or somebody else also an

499
00:21:33,640 --> 00:21:36,679
Speaker 6: option on the table. But I just think that ultimately

500
00:21:37,600 --> 00:21:39,959
Speaker 6: you have signed a contract. That's what a lease is.

501
00:21:40,560 --> 00:21:42,800
Speaker 6: You need to adhere to that contract, regardless of if

502
00:21:42,800 --> 00:21:45,320
Speaker 6: you're living there or not. If everyone in the house

503
00:21:45,359 --> 00:21:48,560
Speaker 6: wanted to break the lease, you would have obligations to

504
00:21:48,600 --> 00:21:50,840
Speaker 6: the property management company or to your landlord. And I

505
00:21:50,840 --> 00:21:53,439
Speaker 6: think that should still stand, even though there's like personal

506
00:21:53,520 --> 00:21:56,000
Speaker 6: dynamics that are now coloring that. And I know that

507
00:21:56,000 --> 00:22:00,880
Speaker 6: that's a harsh point to take, but how all.

508
00:22:00,880 --> 00:22:10,080
Speaker 5: Right, Okay, okay, I think if what you're saying is true.

509
00:22:10,520 --> 00:22:16,400
Speaker 4: If the assumptions Jessica Ricci has drawn the twelve monthly, assuming.

510
00:22:15,800 --> 00:22:20,280
Speaker 5: The twelve monthly thing, I tend to agree with you. However,

511
00:22:20,440 --> 00:22:24,600
Speaker 5: it does sound like it's leaning more toward your regular

512
00:22:24,680 --> 00:22:28,320
Speaker 5: sharehouse vibe, in which case there's not a lot of

513
00:22:29,000 --> 00:22:31,600
Speaker 5: commitment there when you're just like in a share house.

514
00:22:31,840 --> 00:22:33,720
Speaker 5: I would just say, if, hey, if you want to

515
00:22:33,760 --> 00:22:37,280
Speaker 5: stay in this house that we both moved into so

516
00:22:37,320 --> 00:22:39,720
Speaker 5: you can live with your friends, then you're going to

517
00:22:39,800 --> 00:22:42,040
Speaker 5: have to pay the rent. But if we both kind

518
00:22:42,040 --> 00:22:44,240
Speaker 5: of ford the anemore because we're splitting up, then we'll

519
00:22:44,280 --> 00:22:46,680
Speaker 5: both have to move out. But if your friends want

520
00:22:47,119 --> 00:22:51,040
Speaker 5: him to stay there, then they can all agree on

521
00:22:51,080 --> 00:22:53,600
Speaker 5: a different rent price. Doesn't mean that I'll be paying equal,

522
00:22:54,000 --> 00:22:55,800
Speaker 5: but maybe one of them can.

523
00:22:55,720 --> 00:22:57,040
Speaker 2: Make the situation.

524
00:22:57,520 --> 00:23:00,159
Speaker 5: Maybe they like the living situation and they're willing to

525
00:23:00,240 --> 00:23:02,720
Speaker 5: pay a little bit more to keep him there and

526
00:23:02,760 --> 00:23:05,119
Speaker 5: keep the dynamic and stuff like that. But honestly, it

527
00:23:05,160 --> 00:23:07,439
Speaker 5: sounds very share housey, and I feel like he can

528
00:23:07,520 --> 00:23:10,080
Speaker 5: get out of this situation easily if he wanted to.

529
00:23:10,160 --> 00:23:12,320
Speaker 5: But seems like he's just really comfortable and he doesn't

530
00:23:12,320 --> 00:23:14,800
Speaker 5: want to pay any more rent, which I think is

531
00:23:14,840 --> 00:23:15,560
Speaker 5: a little bit unfair.

532
00:23:15,800 --> 00:23:16,320
Speaker 2: That's the case, I.

533
00:23:16,280 --> 00:23:17,720
Speaker 6: Feel like he should move out, Like I feel like

534
00:23:17,760 --> 00:23:20,439
Speaker 6: it's a case of either like you both continue to

535
00:23:20,440 --> 00:23:22,200
Speaker 6: pay the rent and you decide who lives there or

536
00:23:22,240 --> 00:23:25,439
Speaker 6: what that situation looks like, or you like, one of

537
00:23:25,480 --> 00:23:27,280
Speaker 6: you moved out and the other takes on the full

538
00:23:27,280 --> 00:23:30,000
Speaker 6: amount of the rent, or you both move out and

539
00:23:30,040 --> 00:23:32,479
Speaker 6: replace yourself. Yes, what do you think what happened when

540
00:23:32,520 --> 00:23:34,000
Speaker 6: you So you're going to be like.

541
00:23:34,000 --> 00:23:37,960
Speaker 2: No paid it all? No, not paid at all? No patriarch,

542
00:23:38,200 --> 00:23:39,560
Speaker 2: Oh my god, patriarchy.

543
00:23:45,760 --> 00:23:49,080
Speaker 4: Okay, So the way I was going to start if

544
00:23:49,160 --> 00:23:53,560
Speaker 4: you had left me was was around how you structured

545
00:23:53,760 --> 00:23:56,520
Speaker 4: I guess the rent, Like, let's say there was like

546
00:23:56,560 --> 00:24:00,359
Speaker 4: three bedrooms and one of the bedrooms was significantly more, Like,

547
00:24:00,800 --> 00:24:04,439
Speaker 4: are you just allocating rent based on the three bedrooms

548
00:24:04,440 --> 00:24:07,640
Speaker 4: that exist? In going Okay, bedroom ones worth two hundred dollars,

549
00:24:07,720 --> 00:24:10,640
Speaker 4: bedroom twos where three hundred dollars, and bedroom flours worth

550
00:24:10,640 --> 00:24:14,400
Speaker 4: five hundred because of the different facilities associated and attached

551
00:24:14,400 --> 00:24:14,960
Speaker 4: to that room.

552
00:24:15,080 --> 00:24:15,240
Speaker 2: Right.

553
00:24:15,440 --> 00:24:17,080
Speaker 4: Yeah, So when I used to live in a sharehouse,

554
00:24:17,080 --> 00:24:21,040
Speaker 4: which some of you have probably come to string together,

555
00:24:21,520 --> 00:24:25,280
Speaker 4: was relatively toxic. I also was going through a breakup

556
00:24:25,400 --> 00:24:28,600
Speaker 4: with my partner at the time, and we were arguing

557
00:24:28,760 --> 00:24:32,200
Speaker 4: a lot, but it was about whether he should pay

558
00:24:32,240 --> 00:24:35,000
Speaker 4: for my portion if I was leaving, and about who

559
00:24:35,000 --> 00:24:37,640
Speaker 4: should take that on. So the way we split rent

560
00:24:37,840 --> 00:24:40,280
Speaker 4: was based on the bedrooms, so it wasn't based on

561
00:24:40,320 --> 00:24:42,399
Speaker 4: the occupants of the bedroom because if you want to

562
00:24:42,400 --> 00:24:44,280
Speaker 4: bring down your rent, beck you could get a roommate,

563
00:24:44,600 --> 00:24:46,960
Speaker 4: like you could just you know, share that room with whoever.

564
00:24:47,320 --> 00:24:49,840
Speaker 4: So we would split the rent via three because there

565
00:24:49,840 --> 00:24:52,040
Speaker 4: were three bedrooms, but there were four people living in

566
00:24:52,040 --> 00:24:55,439
Speaker 4: the house, so we split bills by four because we went, okay,

567
00:24:55,600 --> 00:24:58,639
Speaker 4: col that bedroom you can use however you want, is

568
00:24:58,680 --> 00:25:01,479
Speaker 4: a two hundred dollars a week bedroom or whatever it was.

569
00:25:01,920 --> 00:25:04,840
Speaker 4: But the bills are all equal because we all draw

570
00:25:05,040 --> 00:25:08,160
Speaker 4: you know, basically the same amount of power. Like unless

571
00:25:08,200 --> 00:25:09,960
Speaker 4: you're going to get real petty and talk about the

572
00:25:10,040 --> 00:25:12,240
Speaker 4: light in the bedroom. But like we all shower, we

573
00:25:12,280 --> 00:25:15,160
Speaker 4: all use the kitchen, et cetera. So that's how we

574
00:25:15,240 --> 00:25:18,240
Speaker 4: split it. And so I think it's really it's smart

575
00:25:18,280 --> 00:25:22,320
Speaker 4: before you're moving in with somebody to really consider, Okay,

576
00:25:22,440 --> 00:25:24,960
Speaker 4: well what if this relationship didn't work out? I have

577
00:25:25,080 --> 00:25:28,280
Speaker 4: said so many times, plan for the worst, expect the best.

578
00:25:28,640 --> 00:25:30,800
Speaker 4: So like, let's go, Beck, if you moved in with

579
00:25:30,880 --> 00:25:33,840
Speaker 4: a partner and that bedroom was three hundred and fifty

580
00:25:33,880 --> 00:25:37,160
Speaker 4: dollars a week and you genuinely couldn't afford it if

581
00:25:37,200 --> 00:25:40,480
Speaker 4: your partner and you broke up, like, what would be

582
00:25:40,520 --> 00:25:43,359
Speaker 4: the solution there? And I think having that conversation before

583
00:25:43,359 --> 00:25:45,639
Speaker 4: moving in is really important. It's not very sexy, but

584
00:25:45,680 --> 00:25:48,160
Speaker 4: I do think it's important and would have saved this argument.

585
00:25:48,760 --> 00:25:51,760
Speaker 4: I also look at it and go, Okay, I don't

586
00:25:51,760 --> 00:25:56,000
Speaker 4: think it's the housemate's responsibility because you're the ones that said, okay,

587
00:25:56,119 --> 00:25:59,360
Speaker 4: I'm committing to this room, and you committed to them

588
00:25:59,480 --> 00:26:01,200
Speaker 4: as much as you committed to your partner.

589
00:26:01,280 --> 00:26:03,440
Speaker 2: In my opinion, like if the.

590
00:26:03,440 --> 00:26:05,720
Speaker 4: Three of us moved in together and I brought my husband,

591
00:26:05,720 --> 00:26:08,800
Speaker 4: Steve like me saying Okay, well, I'll take the expensive

592
00:26:08,880 --> 00:26:11,240
Speaker 4: room because it's the two of us that takes the

593
00:26:11,280 --> 00:26:14,520
Speaker 4: financial pressure off you guys, and I've agreed to do that.

594
00:26:14,560 --> 00:26:17,040
Speaker 4: I can't just change my mind later because it doesn't

595
00:26:17,080 --> 00:26:19,480
Speaker 4: work out for me. Like, my personal life is not

596
00:26:19,560 --> 00:26:22,920
Speaker 4: your responsibility, and vice versa, so I don't think that's

597
00:26:22,960 --> 00:26:24,919
Speaker 4: fair to put it on the how the housemates. I

598
00:26:24,920 --> 00:26:27,040
Speaker 4: think you and your partner should work it out. In

599
00:26:27,080 --> 00:26:30,199
Speaker 4: my circumstance, I moved out because I don't know if

600
00:26:30,200 --> 00:26:32,679
Speaker 4: you've met me, but I'm the type of person that's like,

601
00:26:32,880 --> 00:26:34,200
Speaker 4: I'm leaving and then wants.

602
00:26:34,040 --> 00:26:36,879
Speaker 2: To be dramatic. Shit is the drama. I'm the drama.

603
00:26:36,960 --> 00:26:39,600
Speaker 4: So I wanted to leave, and I did, but I

604
00:26:39,720 --> 00:26:43,359
Speaker 4: continue to pay rent until we had agreed that that

605
00:26:43,400 --> 00:26:46,080
Speaker 4: would be fair. So then the conversation came up, Yes,

606
00:26:46,119 --> 00:26:48,959
Speaker 4: that person took over my portion of the rent and

607
00:26:49,000 --> 00:26:52,600
Speaker 4: that room was expensive. Who knows what happened after that,

608
00:26:52,800 --> 00:26:55,399
Speaker 4: not my circus, not my monkey's, not my business. But

609
00:26:56,200 --> 00:26:59,439
Speaker 4: we agreed, Okay, cool, Like we've decided to part ways

610
00:27:00,119 --> 00:27:02,119
Speaker 4: for a few weeks while you work out what you're doing,

611
00:27:02,400 --> 00:27:05,040
Speaker 4: but like, I'm not committing to this ongoing so you

612
00:27:05,040 --> 00:27:06,920
Speaker 4: can either continue to pay it, or they can find

613
00:27:06,920 --> 00:27:09,000
Speaker 4: a new housemate who is willing to pay it because

614
00:27:09,000 --> 00:27:13,080
Speaker 4: it was never a completely unreasonable amount. I think that's

615
00:27:13,119 --> 00:27:15,359
Speaker 4: one of the risks when you move into a house,

616
00:27:15,400 --> 00:27:17,200
Speaker 4: Like let's say there were four people in the house

617
00:27:17,240 --> 00:27:20,560
Speaker 4: and you decided to split rent equally between all four people.

618
00:27:20,920 --> 00:27:23,320
Speaker 4: I think that's where you run into a little bit

619
00:27:23,359 --> 00:27:28,200
Speaker 4: of trouble because that financial burden then is doubling somebody

620
00:27:28,240 --> 00:27:31,840
Speaker 4: else's rent. And I guess the way you're splitting it

621
00:27:31,920 --> 00:27:33,720
Speaker 4: means that people aren't.

622
00:27:33,440 --> 00:27:34,760
Speaker 2: Going to feel like it's so fair.

623
00:27:35,160 --> 00:27:37,240
Speaker 4: Whereas if you just put a number and this is

624
00:27:37,280 --> 00:27:40,439
Speaker 4: the value of each bedroom, like you can have that

625
00:27:40,520 --> 00:27:42,960
Speaker 4: bedroom and do with it what you want, Like that's

626
00:27:43,000 --> 00:27:45,280
Speaker 4: your private space. Beck if you want to get like

627
00:27:45,680 --> 00:27:48,440
Speaker 4: five housemates and put bunk beds in there, like, I mean,

628
00:27:48,840 --> 00:27:50,960
Speaker 4: people aren't probably going to consent to that, but you

629
00:27:50,960 --> 00:27:53,280
Speaker 4: could technically do that because it's your room to share.

630
00:27:54,000 --> 00:27:57,159
Speaker 4: Whereas I think that splitting it per head gets a

631
00:27:57,200 --> 00:28:00,399
Speaker 4: little bit dangerous, especially if somebody leaves, because and it

632
00:28:00,440 --> 00:28:03,639
Speaker 4: really needs to be renegotiated, and it's about that conversation, right, like,

633
00:28:03,680 --> 00:28:06,480
Speaker 4: oh well, what if Jess leaves, then there's three of us.

634
00:28:06,520 --> 00:28:07,760
Speaker 2: Do we need to split it equally?

635
00:28:07,800 --> 00:28:10,240
Speaker 4: Like, it's just so much easier to put a price

636
00:28:10,320 --> 00:28:13,159
Speaker 4: on her bedroom and be like, okay, cool, that bedroom's

637
00:28:13,160 --> 00:28:16,119
Speaker 4: worth X. And then it's the responsibility of the people

638
00:28:16,160 --> 00:28:18,000
Speaker 4: in it to work their own stuff out.

639
00:28:18,040 --> 00:28:21,840
Speaker 2: It's not housemates' responsibility. Yeah, I agree, agreed. Jessica thought

640
00:28:21,880 --> 00:28:28,399
Speaker 2: we were all going to have a fight. I think

641
00:28:28,440 --> 00:28:31,280
Speaker 2: that once mics turned off, she's going to come for it.

642
00:28:32,400 --> 00:28:33,480
Speaker 2: She's savage.

643
00:28:33,720 --> 00:28:36,000
Speaker 4: But we did ask our community about it, so we said,

644
00:28:36,040 --> 00:28:39,560
Speaker 4: have you experienced a housemate unexpectedly moving out? Forty eight

645
00:28:39,560 --> 00:28:43,200
Speaker 4: percent of you said, yep, life happens. Life happens If yes,

646
00:28:43,280 --> 00:28:44,200
Speaker 4: who paid their rent?

647
00:28:44,720 --> 00:28:45,160
Speaker 2: Like this?

648
00:28:45,800 --> 00:28:47,880
Speaker 4: I feel like it's hard because it's not just like,

649
00:28:47,920 --> 00:28:49,480
Speaker 4: oh I did a partner break up with you. It's

650
00:28:49,480 --> 00:28:51,480
Speaker 4: like if your housemate moved out, who paid the rent?

651
00:28:51,560 --> 00:28:53,560
Speaker 4: So sixty one percent of you said they paid the

652
00:28:53,600 --> 00:28:55,600
Speaker 4: rent until we found someone new, which.

653
00:28:55,440 --> 00:28:56,240
Speaker 2: I think is fair.

654
00:28:56,760 --> 00:28:59,680
Speaker 4: And then thirty nine percent of you said I paid

655
00:28:59,720 --> 00:29:01,240
Speaker 4: the rent until we found someone new.

656
00:29:01,360 --> 00:29:04,080
Speaker 6: Oh. I just don't think anyone should be responsible for

657
00:29:04,120 --> 00:29:06,440
Speaker 6: somebody else's choices financially.

658
00:29:06,040 --> 00:29:08,760
Speaker 4: No, neither, it's funny because I used to have a

659
00:29:08,840 --> 00:29:11,400
Speaker 4: housemate way back when, same toxic house.

660
00:29:11,480 --> 00:29:12,880
Speaker 2: You're not going to be surprised to hear this.

661
00:29:13,360 --> 00:29:15,280
Speaker 4: Who would be like, Oh, I shouldn't have to pay

662
00:29:15,320 --> 00:29:19,720
Speaker 4: rent over Christmas because I actually go back to my parents' house. Yeah,

663
00:29:19,720 --> 00:29:24,960
Speaker 4: when breaks off, I go back. And we were like no, like,

664
00:29:25,000 --> 00:29:26,560
Speaker 4: I don't care if you're off, you need for three

665
00:29:26,600 --> 00:29:28,800
Speaker 4: months and living at your parents' house that's technically still

666
00:29:28,800 --> 00:29:30,880
Speaker 4: your bedroom. And she'd be like, well, I'll sublease it

667
00:29:30,960 --> 00:29:33,440
Speaker 4: and we were like yeah, cool, like one our lease

668
00:29:33,520 --> 00:29:36,360
Speaker 4: agreement says it's no subletting, but to none of us

669
00:29:36,400 --> 00:29:39,120
Speaker 4: would be comfortable with a random living here for three months,

670
00:29:39,160 --> 00:29:40,600
Speaker 4: like we don't want to do this.

671
00:29:40,680 --> 00:29:41,840
Speaker 2: And then she thought we were the.

672
00:29:41,760 --> 00:29:45,920
Speaker 4: Devils, like because she was like, I am actively choosing

673
00:29:46,080 --> 00:29:50,600
Speaker 4: to go and live somewhere else and now it's your burden, Jess. Oh,

674
00:29:50,640 --> 00:29:52,800
Speaker 4: it's just the same housemate that stole my underwear.

675
00:29:52,960 --> 00:29:56,960
Speaker 2: And also throughout all the meat must sound so.

676
00:29:57,120 --> 00:29:58,520
Speaker 4: Do you know what I'm going to do a little

677
00:29:58,560 --> 00:30:01,640
Speaker 4: stalky stalk later and see that person's out right now.

678
00:30:01,640 --> 00:30:03,720
Speaker 2: Love to know. Let's do that together, Yes, let's do

679
00:30:03,800 --> 00:30:04,520
Speaker 2: that all right?

680
00:30:04,600 --> 00:30:06,920
Speaker 4: So next we asked if you were in this situation,

681
00:30:07,080 --> 00:30:10,080
Speaker 4: who would you expect to pay the rent? Sixty two

682
00:30:10,160 --> 00:30:12,560
Speaker 4: percent of you said the partner who is still living

683
00:30:12,600 --> 00:30:15,560
Speaker 4: at the house. Fifteen percent of you said the partner

684
00:30:15,560 --> 00:30:17,000
Speaker 4: who is moving out of the house.

685
00:30:17,200 --> 00:30:19,440
Speaker 2: So that's quite low. I thought that was five.

686
00:30:20,160 --> 00:30:22,920
Speaker 4: Yeah, and twenty three percent of you said the partner

687
00:30:22,960 --> 00:30:26,400
Speaker 4: living there and the housemates should cover it. Yes, I

688
00:30:26,440 --> 00:30:28,200
Speaker 4: don't think the housemates should cover it at all.

689
00:30:28,560 --> 00:30:30,120
Speaker 6: Yeah, I was I saying my real life, like, I

690
00:30:30,160 --> 00:30:32,560
Speaker 6: don't really care how the partners work it out, Like,

691
00:30:32,600 --> 00:30:34,520
Speaker 6: I think that's between you and your relationship. Do I know,

692
00:30:34,520 --> 00:30:36,880
Speaker 6: I can your financial situation. The line in the sand

693
00:30:36,920 --> 00:30:39,560
Speaker 6: for me is around the housemates. It's not their problem.

694
00:30:39,760 --> 00:30:41,880
Speaker 4: No, no, And we had a few good messages that

695
00:30:41,880 --> 00:30:43,520
Speaker 4: shed a little bit of insight. So we had one

696
00:30:43,520 --> 00:30:45,640
Speaker 4: that said, hello, I'm a property manager, so I might

697
00:30:45,640 --> 00:30:48,200
Speaker 4: be able to help here. If there isn't anything in writing,

698
00:30:48,280 --> 00:30:50,840
Speaker 4: she isn't responsible. And then in brackets, always have a

699
00:30:50,920 --> 00:30:53,760
Speaker 4: lease even when you sublet, so it comes down to

700
00:30:53,840 --> 00:30:56,400
Speaker 4: what she wants to do morally, Yeah, which I think

701
00:30:56,560 --> 00:30:59,840
Speaker 4: is you know fair. Someone else said if the lease

702
00:31:00,160 --> 00:31:02,520
Speaker 4: a periodic lease month to month, so I think they

703
00:31:02,560 --> 00:31:04,360
Speaker 4: went down the same thought process as missage.

704
00:31:04,600 --> 00:31:06,360
Speaker 2: Really actually that's a big factor.

705
00:31:06,800 --> 00:31:08,560
Speaker 4: And on that lease, they need to give twenty eight

706
00:31:08,640 --> 00:31:10,920
Speaker 4: days notice and make sure rent is paid up until

707
00:31:10,920 --> 00:31:13,240
Speaker 4: that date, or they can leave before the twenty eight days,

708
00:31:13,240 --> 00:31:15,480
Speaker 4: but still need to make sure that they've paid their

709
00:31:15,520 --> 00:31:18,840
Speaker 4: rent up until that date. If it's a fixed term lease,

710
00:31:18,960 --> 00:31:21,120
Speaker 4: it's more complicated and you really should be speaking to

711
00:31:21,120 --> 00:31:24,440
Speaker 4: your real estate agent or your landlord from personal experience.

712
00:31:24,680 --> 00:31:27,440
Speaker 4: If they've done the right things, you either split the

713
00:31:27,440 --> 00:31:30,360
Speaker 4: amount between the remaining housemates or you get someone else

714
00:31:30,560 --> 00:31:34,200
Speaker 4: in it to cover that portion. Someone else said, did

715
00:31:34,200 --> 00:31:38,600
Speaker 4: they cheat though, Yeah, if it's a shipbreaker up, Yeah, yeah,

716
00:31:38,760 --> 00:31:40,720
Speaker 4: I mean if you want to play that game, I

717
00:31:40,800 --> 00:31:42,400
Speaker 4: will make it your financial burden.

718
00:31:43,280 --> 00:31:45,320
Speaker 2: Mark, Sorry, you chose that life.

719
00:31:45,440 --> 00:31:47,560
Speaker 4: Yeah, Like, if you want to do that, that's now

720
00:31:47,600 --> 00:31:51,280
Speaker 4: your responsibility, and I back anyone who makes that decision.

721
00:31:52,000 --> 00:31:54,680
Speaker 4: Someone else said, if they both got the place together,

722
00:31:54,760 --> 00:31:57,440
Speaker 4: then it's both their responsibility to pay and find a

723
00:31:57,480 --> 00:31:59,920
Speaker 4: solution to someone taking over that room.

724
00:32:00,240 --> 00:32:02,400
Speaker 2: Unless the ex wants to stay in that room, then

725
00:32:02,440 --> 00:32:03,240
Speaker 2: he should.

726
00:32:02,920 --> 00:32:05,640
Speaker 4: Pay for the whole thing because she's moving out and

727
00:32:05,720 --> 00:32:09,480
Speaker 4: that's the solution only my opinion, though, I think that's

728
00:32:09,520 --> 00:32:12,440
Speaker 4: really really quite smart. A few other comments just said

729
00:32:12,600 --> 00:32:15,360
Speaker 4: split between the partners. Maybe other people said.

730
00:32:15,440 --> 00:32:17,600
Speaker 2: Did they cheat? Did you cheat? What happened?

731
00:32:17,640 --> 00:32:19,040
Speaker 4: I feel like a lot of people want to know

732
00:32:19,080 --> 00:32:22,320
Speaker 4: the semantics of this breakup, because, after all, we are

733
00:32:22,320 --> 00:32:24,640
Speaker 4: the She's on the Money community, and we do encourage

734
00:32:24,680 --> 00:32:27,880
Speaker 4: perfect questions, but we will not be asking our DM

735
00:32:28,000 --> 00:32:31,080
Speaker 4: this week how that happened, because she's on the relationship

736
00:32:31,120 --> 00:32:33,200
Speaker 4: where she's on the money. But I think summary of

737
00:32:33,240 --> 00:32:34,920
Speaker 4: that is it's between the two of you, it's not

738
00:32:35,000 --> 00:32:36,840
Speaker 4: actually between the housemates.

739
00:32:36,960 --> 00:32:40,240
Speaker 2: And from what it sounds like, your.

740
00:32:40,080 --> 00:32:42,640
Speaker 4: Partner wants to stay in that house, which means he

741
00:32:42,680 --> 00:32:44,080
Speaker 4: wants to take over that lease.

742
00:32:44,560 --> 00:32:45,960
Speaker 2: I would agree, yeah.

743
00:32:45,640 --> 00:32:47,560
Speaker 4: If he wants to do that, and then he can

744
00:32:48,120 --> 00:32:50,160
Speaker 4: work that out. However he wishes to work it out,

745
00:32:50,200 --> 00:32:51,880
Speaker 4: and if he does it with his housemates, like, that's

746
00:32:51,880 --> 00:32:53,520
Speaker 4: not your circus, not your monkeys.

747
00:32:53,520 --> 00:32:56,760
Speaker 2: Interesting, no fight to be had. Wow, damn, I really

748
00:32:56,800 --> 00:32:58,800
Speaker 2: thought this was going to get spicy, and I was

749
00:32:58,880 --> 00:33:01,080
Speaker 2: kind of excited. Tso kind to each other.

750
00:33:01,320 --> 00:33:04,480
Speaker 4: Yeah, we'll have a fight later, all right, let's go.

751
00:33:04,600 --> 00:33:06,360
Speaker 4: I want to get fish pole for lunch and I

752
00:33:06,400 --> 00:33:07,920
Speaker 4: hope you guys have the best weekend.

753
00:33:08,120 --> 00:33:10,120
Speaker 2: We will see you for money Darries on Monday.

754
00:33:10,200 --> 00:33:16,240
Speaker 6: See you later, Bye bye.

755
00:33:18,560 --> 00:33:21,080
Speaker 4: The advice shared on She's on the Money is general

756
00:33:21,160 --> 00:33:25,000
Speaker 4: in nature and does not consider your individual circumstances. She's

757
00:33:25,040 --> 00:33:28,520
Speaker 4: on the Money exists purely for educational purposes and should

758
00:33:28,560 --> 00:33:31,720
Speaker 4: not be relied upon to make an investment or financial decision.

759
00:33:32,120 --> 00:33:34,560
Speaker 4: If you do choose to buy a financial product, read

760
00:33:34,560 --> 00:33:38,680
Speaker 4: the PDS TMD and obtain appropriate financial advice tailored towards

761
00:33:38,760 --> 00:33:42,000
Speaker 4: your needs. Victoria Divine and She's on the Money are

762
00:33:42,080 --> 00:33:47,120
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763
00:33:47,120 --> 00:33:51,080
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764
00:33:51,240 --> 00:33:55,120
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