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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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

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Speaker 2: podcast for housemates who want financial.

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Speaker 4: Freedom from their other housemates.

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Speaker 2: Today is Friday, which means it is time to get

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Speaker 2: my little team together. We've got Beck Sayed and Miss

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Speaker 2: Jess Gricci and we today, as always, are celebrating our

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Speaker 2: beautiful She's on the Money community. Today we're going to

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Speaker 2: be sharing or I say we because I want you

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Speaker 2: and I Beck to be in on what Jess is

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Speaker 2: bringing to the table. But Jess will be sharing our

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Speaker 2: favorite money wins. You have another broke tip for us,

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Speaker 2: We're going to be helping to answer a juicy money dilemma,

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Speaker 2: which this week is all about channeling funds to pay

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Speaker 2: down debt more effectively. And we're going to be unpacking

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Speaker 2: a message that you slid into our DMS about which

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Speaker 2: this week we're talking about splitting bills in the sharehouse.

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Speaker 2: And I have an inkling of how this is going

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Speaker 2: to go because we had a slightly heated conversation about

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Speaker 2: olive oil before the show started recording. But we're not gonna,

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Speaker 2: you know, say names or blame ex housemates. That's all good. Beck.

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Speaker 2: How has your week been? What have you been up to?

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Speaker 5: My week has been real, cruzy, cruzy, crazy, almost too crazy.

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Speaker 4: I'm wondering more? Am I missing?

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Speaker 1: Oh?

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Speaker 2: No, it's pay week? You got paid?

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Speaker 4: Ah? Yes, yeah, yes, not stressed anymore?

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Speaker 2: No, no, no, how did you go give us an

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Speaker 2: update for fifteen dollars? And like what was it?

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Speaker 1: Like?

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Speaker 2: Thirty one cents?

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Speaker 4: It was thirty three cents?

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Speaker 2: Okay, sorry, fifteen dollars and thirty three cents that you

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Speaker 2: had to live off for the last week? Did we

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Speaker 2: do it?

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Speaker 4: Need it? Of course you need it.

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Speaker 2: Nobody doubted you.

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Speaker 5: Thank you so much. But you know it's because I'm

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Speaker 5: a single person. I don't have any dependence. I'm very

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Speaker 5: lucky that way. So I made it work. It lasted

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Speaker 5: the whole week. I even had a few cents left

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Speaker 5: at the end.

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Speaker 2: I love this. We should do like a little join

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Speaker 2: beck on a frugal week. Yeah, like not necessarily just

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Speaker 2: pay week, but like we all do one week where

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Speaker 2: we are as frugal as possible and we can like

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Speaker 2: calculate how much we save as a team or like

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Speaker 2: as a community. Everybody else can join in as well

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Speaker 2: and see how much we could actually save him one week.

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Speaker 2: Because if anything is impossible to me, it's one of

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Speaker 2: those no spend months that people on social media do.

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Speaker 4: Yes, I always have wanted to be one of those people,

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Speaker 4: and I just simply never have A.

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Speaker 2: Month is not going to work. But do you reckon?

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Speaker 2: You could commit to a week?

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Speaker 4: Give it a crack.

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Speaker 2: I think we could do a week and then we're

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Speaker 2: just going to use beck A's gospel and be like beck,

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Speaker 2: what would you do?

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Speaker 4: Beck?

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Speaker 2: How do we make this work? Beck? What's our grocery

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Speaker 2: list this week? Lack for the most budget options? I

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Speaker 2: love better belief but do you know what I'm going

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Speaker 2: to fail all in?

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Speaker 4: That sounds really fun. Maybe we'll work on ptting that

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Speaker 4: together so we can do it as a community.

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Speaker 2: Everyone.

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Speaker 4: I want great idea.

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Speaker 2: Yeah, we had to give a catchy name so if

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Speaker 2: anyone has a catchy name for Beck's Broke Week.

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Speaker 4: Yeah, some sort of challenge, something about challenging LLB get bracelets.

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Speaker 2: What would Beck do?

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Speaker 4: So cute?

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Speaker 2: Yes, well we're going to do you know what? I

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Speaker 2: think we should workshop this later.

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Speaker 4: Yeh, let's workshop it.

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Speaker 2: Jessica, how's your week being really good?

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Speaker 4: It's very quiet because of this is enjoying the sunny

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Speaker 4: shores of Bali right now. And hello, sadly not me.

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Speaker 2: I'm in Bali, but I have tuned in to talk

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Speaker 2: about housemates because she wouldn't missed it. Don't tempt me

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Speaker 2: with a good time.

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Speaker 4: I mean who wouldn't.

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Speaker 2: Literally not me, not me. I'm here with bells on,

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Speaker 2: so let's jump into it. It's been a good week,

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Speaker 2: especially for me. I have heard that it was also

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Speaker 2: a good week for our community. Jess what money wins

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Speaker 2: have you pulled out of the community to share?

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Speaker 4: My first money win this week comes from Micah, who

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Speaker 4: said I paid off my small after pay balance with

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Speaker 4: money from selling clothes that I don't wear that I

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Speaker 4: used after pay to buy, and I have now closed

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Speaker 4: my after pay A pound for good when very good,

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Speaker 4: full circle moment. You love that. My next money win

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Speaker 4: comes from Samantha, who said I went up a skill

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Speaker 4: step at my performance review, which means a pay increase

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Speaker 4: plus the four point five percent pay increase the Union

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Speaker 4: campaign for means my fortnightly income is about to go up.

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Speaker 4: Plus I got my tax done and thanks to all

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Speaker 4: my study deductions, I should be getting a decent refund

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Speaker 4: tax time. We love to see it. Next, I've got

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Speaker 4: a money win from Katie, who said I sold a

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Speaker 4: washing machine on Facebook marketplace for seventy five dollars three

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Speaker 4: years ago.

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Speaker 2: I paid fifty dollars for it. Oh my gosh, you

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Speaker 2: got a money win.

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Speaker 4: What's that twenty five dollars profit three years later?

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Speaker 2: The capital gainstow.

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Speaker 4: We love it. Next, I've got a money win from Chavon,

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Speaker 4: who said not having to worry about AFL finals this

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Speaker 4: year is a money win. Freeman's were breaking my heart again,

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Speaker 4: Not so much.

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Speaker 2: That's a winner. Or we can be friends.

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Speaker 4: Yeah yeah, Next I have a money loss from Cass,

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Speaker 4: who said confession, emotional and stress spending has been intense,

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Speaker 4: So I have a date with my budget tonight to

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Speaker 4: reinstate some boundaries and make myself a plan. I love

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Speaker 4: this normal calling off the horse and getting back on.

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Speaker 2: Yeah, you can't stay on the horse all the time.

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Speaker 4: Yeah, yeah, exactly.

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Speaker 2: It's like we actually have two brain cells between us

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Speaker 2: and they're both competing for third place.

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Speaker 4: Lastly, this week, I have a money win from Amy,

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Speaker 4: who said I forgot my lunch today and I wasn't

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Speaker 4: keen to pay for takeaway, but I found a long

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Speaker 4: forgotten frozen meal in the freezer at work.

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Speaker 1: Money.

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Speaker 4: Yes, and that was getting me.

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Speaker 2: That's good, that's real good. That was giving me BB.

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Speaker 4: I was right, good one to finish on. I love that.

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Speaker 2: I love that we should bring that back BB.

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Speaker 5: Never one away true, be new or have forgotten. BBA

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Speaker 5: is big back energy. Yehi, I love I love it BB.

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Speaker 5: Speaking of bringing some BB to this show. Yes, spex

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Speaker 5: broke tips Okay, BBT, you are great a segways BBT.

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Speaker 4: It's like a BLT, but more frugal, yes, more tasty bacon.

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Speaker 2: It's mainly just free cheese and bread from the cafeteria

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Speaker 2: exactly exactly.

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Speaker 4: So all right, first one I'm going to start off with.

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Speaker 2: We're ready from this feels very aggressive.

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Speaker 4: Let me bring this back. I got this pen in

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Speaker 4: my hand and I'm pointing every I'm just going to be.

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Speaker 2: Very could you please let me relax?

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Speaker 5: Sorry me, Oh my goodness, you don't need my pad

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Speaker 5: pointing at you from Bali in Bali.

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Speaker 4: Okay, So this one is from.

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Speaker 5: Terry who actually, after a little bit of digging, realized

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Speaker 5: this one is initially from my Millennial Money. Stole it

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Speaker 5: from Different Money, Yeah, which is like penultimate broke tips.

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Speaker 2: So we're kind of really scraping the bottom of the barrel.

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Speaker 2: Is heaping here but being very budget but taking from

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Speaker 2: Glenn James's community.

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Speaker 4: Glenn, sorry, Glenny.

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Speaker 2: He feels very generous of us taking from the reach

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Speaker 2: to give to the poor.

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Speaker 4: Yes, exactly.

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Speaker 5: No, but this is a really really good tip from Terry.

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Speaker 5: So this can kill a lot of birds with one stone.

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Speaker 5: So if you go to the website, you can find

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Speaker 5: one hundred and ninety nine plus freebies for your birthday.

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Speaker 5: So what you do is you sign up with all

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Speaker 5: these places so you'll find this on the My Millennial

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Speaker 5: Money website. Basically, you can either do this for yourself

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Speaker 5: on your birthday, go around and get a bunch of.

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Speaker 2: Freebies stunning, eat free the whole day.

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Speaker 5: Or if you have a child and you want to

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Speaker 5: do something that's a little bit cheap you can't really

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Speaker 5: afford gifts, or you can't really afford to take them

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Speaker 5: out or have a party, take that child out and

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Speaker 5: get them all a bunch.

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Speaker 4: Of free stuff.

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Speaker 2: Genius.

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Speaker 4: Everywhere you go, you'll find it.

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Speaker 5: You know, there's that boost smoothie that you can get

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Speaker 5: that's free on your birthday. There's a free ice cream

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Speaker 5: Baskin Robins. You used to love a Baskin Robins absolutely

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Speaker 5: so you can find so many places that offer something

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Speaker 5: free for your birthday. So check it out on the

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Speaker 5: My Millennial Money website. That is a mouthful.

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Speaker 2: How much to glean pay you to get his ad

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Speaker 2: on our podcast?

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Speaker 4: Lots of money and that's why I was able to

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Speaker 4: survive last week.

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Speaker 2: Yeah, well it's obviously lots of money because he spent

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Speaker 2: it all on his boat, didn't he.

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Speaker 6: Oh my.

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Speaker 2: Goodness, I'll be glad. Please don't hate me. Come on

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Speaker 2: our show again, meet your tips and tricks.

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Speaker 4: Please please, please please. The next one comes from at

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Speaker 4: Lease I Love I Love Alise.

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Speaker 5: So Alise kind of says, if you're eating at a

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Speaker 5: friend's house or a family member's house, this is something

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Speaker 5: I did mention last week that I did want to

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Speaker 5: also say this week, really reiterating it really yes, yes, yes,

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Speaker 5: it was intended for this week. Accidentally slipped up but

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Speaker 5: didn't give credit to Elise. So when you're eating at

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Speaker 5: a friend's house, you're eating anywhere really where there are

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Speaker 5: takeaway options available, maybe you have with lunch at work

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Speaker 5: or something like that. Personally, I get way too lazy

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Speaker 5: to take stuff home, especially because I live in a sharehouse.

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Speaker 5: I'm like, I only have one little compartment in the fridge.

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Speaker 5: I don't have space for all this stuff. If you

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Speaker 5: have the ability to take freebies where you can, wherever

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Speaker 5: that may be. If you're going and eating somewhere, if

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Speaker 5: you want to take takeaway, if you want to get

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Speaker 5: a doggie bag for one French fry, do it. If

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Speaker 5: you're eating at a restaurant, I should say, would just french fry.

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Speaker 5: If you can fit in French fry in a separate

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Speaker 5: stomach for French fries Beck.

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Speaker 4: That's fair because they always say do you want to

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Speaker 4: take it home? And I always just go.

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Speaker 2: They'll give you free takeaway containers which you can wash

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Speaker 2: out as well. In news yes exactly. Yeah, so those

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Speaker 2: are the community broke tips.

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Speaker 4: My personal one is.

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Speaker 5: This app that's called petrol Spy. So basically down with

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Speaker 5: this app, have it on your phone if you're driving around.

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Speaker 5: I kind of use it more so if I'm driving

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Speaker 5: to Sydney, for example, and you know that the highway

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Speaker 5: petrol stations can kind of like really bump the prices up.

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Speaker 5: I'll put in petrol spy the places that I'm going.

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Speaker 5: I'll have a look around and see if there are

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Speaker 5: towns on my way that yes, yes. But you can

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Speaker 5: use it anytime you can.

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Speaker 2: I do not want to drive to Sydney.

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Speaker 4: Don't push it too late, as someone who's broken down

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Speaker 4: on the highway, true one state to another. Don't push

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Speaker 4: it too late. Hey you later.

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Speaker 5: But yes, downloaded petrol spy and you can see kind

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Speaker 5: of like when the last time someone registered a price,

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Speaker 5: so you won't go there and it's like all of

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Speaker 5: a sudden, twenty cents more or something. You can't figure

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Speaker 5: out if it's quite recent.

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Speaker 2: Oh I love that. And the more people that use it, obviously,

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Speaker 2: the more updated the price. That's clear ooh love. All right, guys,

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Speaker 2: let's go to a really quick break on the flip side.

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Speaker 2: I want to talk to you about how to channel

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Speaker 2: funds to pay down your debts, and we get to

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Speaker 2: talk about how to split bills in a sharehouse, which

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Speaker 2: I think is going to be a very fun olive

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Speaker 2: oil discussion. Don't go anywhere, guys, Welcome back, guys.

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Speaker 4: Let's take a listen to the money dilemma.

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Speaker 2: Hi there, have you got a money dilemma you just

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00:11:45,920 --> 00:11:48,439
Speaker 2: can't solve? The Sheese on the Money team is here

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00:11:48,480 --> 00:11:51,720
Speaker 2: to help. Every week, we tackle your dilemmas, both big

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00:11:51,760 --> 00:11:54,480
Speaker 2: and small, to answer your most burning money, career and

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00:11:54,559 --> 00:11:57,720
Speaker 2: life questions. To get involved, simply head to our website

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00:11:57,760 --> 00:11:59,839
Speaker 2: and leave us a short voice recording and you might

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Speaker 2: just find yourself on the show. Now, let's take a

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Speaker 2: listen to this week's money dilemma.

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Speaker 7: Hi there.

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Speaker 6: My money dilemma is that at the moment, I'm a

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Speaker 6: freelance acrobat and very lucky that I have an investment property.

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Speaker 2: But my dilemma is around looking at my help.

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Speaker 7: Debt, and whether it is more beneficial to put fifty

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Speaker 7: dollars a month into repaying my help debt, or should

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Speaker 7: I be putting that money towards investing, or should I

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Speaker 7: be putting it towards.

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Speaker 2: More rescular repayments my mortgage.

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Speaker 4: Any help would be best.

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Speaker 6: I can't really spare more than the fifty a month

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Speaker 6: to go all three ways, and any advice would be great.

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Speaker 2: I just freelance Acrobat. That is not where I thought.

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Speaker 2: This is a case is going to go.

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Speaker 4: That's the best job we've ever had.

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Speaker 2: So I tried to be real pervy and I go

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Speaker 2: googled freelance Acrobat income.

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Speaker 4: And imagine there's not a lot of data out there.

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Speaker 2: No, it just comes up with Adobe going how to

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Speaker 2: find a side hustle from home and how to download

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Speaker 2: this free pdfreda. I'm not telling me how much she earns,

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Speaker 2: and to be honest, I'm not gonna put in the

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Speaker 2: time and the energy to understanding that because it doesn't

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Speaker 2: matter what she earns. She did tell us how much

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Speaker 2: she has left over. Yes, so Beck Jess, yes you've

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Speaker 2: got some extra dosh at the end of the month.

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Speaker 2: How would you be viewing it Is that something that

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Speaker 2: you're putting against your hex Is that something that you're

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Speaker 2: putting against your home loan? I didn't realize she sounded

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Speaker 2: quite young. You're a freelance acrobat with your own investment property.

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Speaker 4: Pretty imagine? Yeah, true, Really that's so cool.

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Speaker 2: This is maybe an untapped industry change curious?

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Speaker 4: Yes, yes, yes, please, no, well you please go ahead.

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Speaker 5: I feel like you've I don't have hex steps, so

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Speaker 5: it must be nice.

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Speaker 4: I can't get invested.

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Speaker 2: Must be us. We're at the same table. Well, there

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Speaker 2: you go, there you go.

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Speaker 4: I mean, I'm just gonna parrot what I feel like

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Speaker 4: I've always heard you say. Okay, I don't know, I

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Speaker 4: don't know if that's fair. You want to go, I'm

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Speaker 4: Victoria to fine, Hello's Victoria speaking, But she picks up

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Speaker 4: the phone.

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Speaker 2: That made me feel a little bit. How don't you

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Speaker 2: pick up the phone?

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Speaker 6: Hello?

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Speaker 4: You say Victoria in a really specific way when you

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Speaker 4: pick up the phone. I feel like I've said this

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Speaker 4: to you before.

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Speaker 5: Hello, it's Victoria speaking, Victoria, Like it's like that's my name.

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Speaker 4: I feel like you're saying it's Victoria. But you can

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Speaker 4: just drop in the tea and you go Victoria.

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Speaker 2: How do you enter the phone? Hello, don't you say

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Speaker 2: your name?

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Speaker 3: That.

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Speaker 2: I feel like it was drilled into me as a

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Speaker 2: child to answer the phone politely. Hello, this is Victoria speaking.

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Speaker 2: I help you, like my house was made of customer service,

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Speaker 2: but like people.

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Speaker 4: Are calling you so they know it's Victoria speaking. Let's

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Speaker 4: get back on track.

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Speaker 2: Yes, sorry, our producer is like you guys are off

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Speaker 2: the hook.

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Speaker 4: Like the phone when you lived at home, and.

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Speaker 2: It was like to get off the phone. I want

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Speaker 2: to go on MSN.

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Speaker 4: Took me a second, but I got there. Okay. Anyway,

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Speaker 4: to parrot what I have heard victorious a many times before,

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Speaker 4: I believe is that hector is the one debt that

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Speaker 4: dies with you, which is a little morbid, but if

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Speaker 4: you die, it disappears, doesn't get passed on to anybody. Actually,

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Speaker 4: you know what, now that the hex indexation is higher,

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Speaker 4: perhaps this is a smadge different, But typically we would

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Speaker 4: have or I would have thought, the answer was the

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Speaker 4: potential rate of return on an investment, generally speaking, may

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Speaker 4: or may not be higher than the debt that you

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Speaker 4: would be occurring on a hex debt, which then also

338
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Speaker 4: disappears when you die. So like most people wouldn't priorities

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Speaker 4: paying it off historically. I don't know where we sit

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Speaker 4: now that the hex is index, now that the hex

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Speaker 4: is indexation, now that you know.

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Speaker 2: That the hex has been index, yeah, I can see

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Speaker 2: why it was challenging.

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Speaker 4: My one brain cell? Is you jumping your all?

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Speaker 1: Right?

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Speaker 2: Can I please take the brain cell button and have

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Speaker 2: a turn?

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Speaker 4: I would love that you you have the brain cell now.

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Speaker 2: So it really depends obviously on your own financial goals.

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Speaker 2: It's not necessarily what is better, because we could do

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Speaker 2: a whole heap of mats that tells you that the

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Speaker 2: best asset class in Australia to invest in that has

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Speaker 2: the highest return is actually shares, But that doesn't mean

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Speaker 2: that's what you want to buy. Like, go over to

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Speaker 2: justice side of the table and I say put your

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Speaker 2: house deposit in shares. She's gonna say, absolutely not. That

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00:16:35,560 --> 00:16:37,960
Speaker 2: is not in line with my values. So just because

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Speaker 2: something has the best return does not mean it is

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Speaker 2: the best for you personally. So I think starting there

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Speaker 2: is really important. Jess is correct. Hex is the one

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Speaker 2: thing that if you lose your income, you don't have

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Speaker 2: to pay if you die. It doesn't get past your

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00:16:52,560 --> 00:16:54,520
Speaker 2: friends or your family or whoever you see your next

364
00:16:54,560 --> 00:16:58,680
Speaker 2: of kin. Whereas your mortgage will obviously with HEX indexation

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00:16:58,920 --> 00:17:02,720
Speaker 2: at seven point one percent this year, people are looking

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Speaker 2: at it a little bit differently, but it's going to

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Speaker 2: be indexed every single year, and it has been indexed

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Speaker 2: for the past few years. It's just never been at

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Speaker 2: a point that has I guess catastrophically offended people enough

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Speaker 2: for them to make a change. I didn't make any

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Speaker 2: changes based on indexation on my HEX step because at

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Speaker 2: the moment, I just really don't want to have a mortgage,

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Speaker 2: so I'd prefer my money to go there. But if

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Speaker 2: you look at the interest rate on my mortgage, which

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00:17:27,359 --> 00:17:29,920
Speaker 2: currently now is that a vomit worthy five point five

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Speaker 2: percent versus my indexation on my HEX which is at

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Speaker 2: seven point four one percent, what you need to remember

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00:17:37,600 --> 00:17:41,080
Speaker 2: is that seven point one percent was once off and

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00:17:41,840 --> 00:17:44,600
Speaker 2: next year it could be lower or it could be different.

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Speaker 2: Whereas my mortgage is going to continue to cost me

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Speaker 2: five point five percent each and every single month, which

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Speaker 2: is bile. So it really depends on how you want

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Speaker 2: to calculate it or work it out. But I'd sit

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Speaker 2: down and go, well, what are my financial goals like

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Speaker 2: is this fifty dollars going to get me closer to

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Speaker 2: the holiday that I want to go on. Is that

387
00:18:03,320 --> 00:18:05,600
Speaker 2: more important than getting rid of my hextet? And one

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00:18:05,640 --> 00:18:08,320
Speaker 2: of the things about hextet is it's kind of one

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00:18:08,359 --> 00:18:10,960
Speaker 2: of the only debts that doesn't stop you from borrowing

390
00:18:10,960 --> 00:18:13,080
Speaker 2: more money like you can and I'm not saying that

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Speaker 2: this is good, but you can get personal loans, you

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00:18:14,680 --> 00:18:17,480
Speaker 2: can get mortgages, or while you have HEX, it just

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00:18:17,600 --> 00:18:20,840
Speaker 2: changes your borrowing capacity. But you already have a mortgage

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Speaker 2: and you already have that investment property. So I'm assuming

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Speaker 2: that smashing down your HEX is not the biggest priority,

396
00:18:26,560 --> 00:18:29,600
Speaker 2: because what happens when it's gone, right, Like, are you

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00:18:30,160 --> 00:18:33,200
Speaker 2: using that cash flow for another financial goal? If so,

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00:18:33,359 --> 00:18:36,080
Speaker 2: whilen't We're working towards it now. Like there's just lots

399
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Speaker 2: of questions and there's no real perfect answer. It's just

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Speaker 2: more well, what is more of value to you personally?

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00:18:42,200 --> 00:18:44,520
Speaker 2: And what does that look like? Because as I said,

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Speaker 2: I could show you on a piece of paper what

403
00:18:48,119 --> 00:18:51,480
Speaker 2: the quote best asset class return on average over the

404
00:18:51,560 --> 00:18:54,640
Speaker 2: last thirty years has been, it will come out as shares.

405
00:18:55,040 --> 00:18:56,720
Speaker 2: That doesn't mean that people want to do that, like

406
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Speaker 2: exclusively with their money, so it really yeah, it depends.

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00:19:00,600 --> 00:19:02,480
Speaker 2: Sorry for that roundabout answer.

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00:19:02,760 --> 00:19:05,280
Speaker 5: If you do want a more in depth answer, you

409
00:19:05,359 --> 00:19:08,440
Speaker 5: can absolutely listen to the episode that we did about

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00:19:08,480 --> 00:19:12,000
Speaker 5: Hex and Indexation are back in May, very sexy. Check

411
00:19:12,040 --> 00:19:13,920
Speaker 5: it out if you want great.

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00:19:13,800 --> 00:19:17,200
Speaker 2: Love, this great app let's rage on good stuff. Yeah

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00:19:17,840 --> 00:19:22,400
Speaker 2: you ready, juicy? Are you ready? All right? So this

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00:19:22,440 --> 00:19:26,880
Speaker 2: week's community dilemma, you've slid into our dms. We are

415
00:19:26,960 --> 00:19:29,800
Speaker 2: on a roll when it comes to housemate topics, so

416
00:19:30,560 --> 00:19:33,680
Speaker 2: we're not gonna stop. This week's message sounded a lot

417
00:19:33,720 --> 00:19:37,040
Speaker 2: like this, Ready, guys, ready, staying on trend with the

418
00:19:37,119 --> 00:19:40,800
Speaker 2: roommate dilemmas, laughing, crying emoji face. I live in a

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00:19:40,800 --> 00:19:43,520
Speaker 2: house of four girls, and all of us have partners

420
00:19:43,560 --> 00:19:46,960
Speaker 2: apart from one. The one who doesn't has rallied us

421
00:19:47,000 --> 00:19:49,639
Speaker 2: all together and said she thinks we need to negotiate

422
00:19:49,640 --> 00:19:52,160
Speaker 2: our bills as our boyfriends come over and use water

423
00:19:52,240 --> 00:19:55,359
Speaker 2: and electricity, et cetera. But on the flip side, we're

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00:19:55,359 --> 00:19:58,680
Speaker 2: all gone at our boyfriend's houses half the time as well,

425
00:19:58,760 --> 00:20:01,520
Speaker 2: and she's the only one during that period of time

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00:20:02,200 --> 00:20:05,560
Speaker 2: thoughts on what we should do s O S sounds

427
00:20:05,600 --> 00:20:08,960
Speaker 2: like it's break even. I would say, I don't really

428
00:20:09,080 --> 00:20:11,119
Speaker 2: still agreed, is that the answer? All?

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Speaker 1: Right?

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00:20:11,320 --> 00:20:12,720
Speaker 2: Well by.

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Speaker 4: That is nice. Yeah, it just sounds like like I

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00:20:17,600 --> 00:20:18,159
Speaker 4: totally get it.

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Speaker 5: If if they were always at home the partners included,

434
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Speaker 5: then I would understand that a lot more.

435
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Speaker 4: But really it's probably negligible.

436
00:20:26,600 --> 00:20:28,840
Speaker 5: I would say, if they're kind of like half at

437
00:20:28,840 --> 00:20:30,919
Speaker 5: home half of the partner's house, it kind of all

438
00:20:30,960 --> 00:20:32,680
Speaker 5: evens out, all comes out in the world.

439
00:20:32,800 --> 00:20:35,560
Speaker 2: Like if you're having your partner stay over like three

440
00:20:35,680 --> 00:20:38,040
Speaker 2: nights a week and then you're staying at their house

441
00:20:38,080 --> 00:20:41,560
Speaker 2: four nights a week. Just for clarity, is yeah, they're

442
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Speaker 2: saving one shower per week.

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Speaker 5: It's yet not really probably not worth like the awkward

444
00:20:47,840 --> 00:20:51,360
Speaker 5: conversation potentially a fight for you know, if you really

445
00:20:51,400 --> 00:20:54,000
Speaker 5: break down the numbers, it's probably not that much.

446
00:20:54,280 --> 00:20:57,360
Speaker 4: I would argue, really, if the partners, their chances are

447
00:20:57,560 --> 00:21:00,520
Speaker 4: the housemate of the partner is also there, if you're

448
00:21:00,520 --> 00:21:02,760
Speaker 4: sitting in the bedroom, ei there's one person in there

449
00:21:02,880 --> 00:21:05,919
Speaker 4: or two, same amount of electricities being used, like Jeremy.

450
00:21:06,040 --> 00:21:08,600
Speaker 4: Like the one argument I suppose could be made for

451
00:21:08,640 --> 00:21:11,760
Speaker 4: shower save water shower with partner, Sure, but I don't

452
00:21:11,760 --> 00:21:15,639
Speaker 4: think that could lead to a longer shower. But you know,

453
00:21:16,440 --> 00:21:19,000
Speaker 4: I feel like it's not enough, that it's not as

454
00:21:19,040 --> 00:21:22,520
Speaker 4: if in my mind, that's detrimentally inflating the cost of bills.

455
00:21:22,560 --> 00:21:24,399
Speaker 4: And if it is, like if they're leaving lights on everywhere,

456
00:21:24,400 --> 00:21:26,239
Speaker 4: maybe there's a conversation to be sure around hey, can

457
00:21:26,280 --> 00:21:28,760
Speaker 4: we just be mindful that if we're jumping from one

458
00:21:28,840 --> 00:21:30,719
Speaker 4: room to another, we're switching the lights off. But if

459
00:21:30,720 --> 00:21:33,520
Speaker 4: the environment trial laugh, But I don't think it matters

460
00:21:33,560 --> 00:21:33,880
Speaker 4: that much.

461
00:21:34,040 --> 00:21:36,080
Speaker 2: Maybe the food, maybe the food situation or if the

462
00:21:36,080 --> 00:21:38,240
Speaker 2: food is there, I think that's a situation. But I

463
00:21:38,240 --> 00:21:41,440
Speaker 2: would also like to go back to how you negotiated

464
00:21:41,640 --> 00:21:45,200
Speaker 2: the rooms to begin with, like are you paying rent

465
00:21:45,240 --> 00:21:47,320
Speaker 2: based on the room that you hold or are you

466
00:21:47,440 --> 00:21:50,719
Speaker 2: paying rent based on how many heads are in the house?

467
00:21:51,080 --> 00:21:53,600
Speaker 2: Because I feel like this goes two roots, and every

468
00:21:53,600 --> 00:21:56,040
Speaker 2: house I've ever lived in has always been you pay

469
00:21:56,080 --> 00:21:58,879
Speaker 2: rent based on the room that you're in, and so

470
00:21:59,000 --> 00:22:01,159
Speaker 2: like this room might be where three hundred and fifty

471
00:22:01,200 --> 00:22:04,040
Speaker 2: dollars a week, and if my partner stays over, well

472
00:22:04,200 --> 00:22:08,680
Speaker 2: that's part and pussle. I've now decided to share my space. However,

473
00:22:08,920 --> 00:22:12,560
Speaker 2: I do see the bill thing as being an issue.

474
00:22:12,640 --> 00:22:15,760
Speaker 2: I know that this could be fickle, but like from

475
00:22:15,920 --> 00:22:18,119
Speaker 2: this circumstance, I look at it and go, you know what,

476
00:22:18,760 --> 00:22:22,680
Speaker 2: it's easy, come, easygo, it's pretty even. But what if

477
00:22:22,720 --> 00:22:25,040
Speaker 2: your boyfriend doesn't have a job and all of your

478
00:22:25,080 --> 00:22:26,720
Speaker 2: housemates go to work and you go to work, and

479
00:22:26,760 --> 00:22:28,600
Speaker 2: then your boyfriend's just hanging out in your house with

480
00:22:28,600 --> 00:22:29,880
Speaker 2: a heater on full blast.

481
00:22:30,640 --> 00:22:34,200
Speaker 5: True, like that could be an issue. That's true, that's true,

482
00:22:34,240 --> 00:22:35,040
Speaker 5: we can talk about that.

483
00:22:35,080 --> 00:22:36,920
Speaker 2: But that doesn't seem to be what's going on here.

484
00:22:37,040 --> 00:22:39,560
Speaker 4: No, No, that would be a separate issue. I would

485
00:22:39,560 --> 00:22:40,280
Speaker 4: imagine altogether.

486
00:22:40,400 --> 00:22:41,840
Speaker 2: Really, why I are in my house without me?

487
00:22:41,920 --> 00:22:46,040
Speaker 5: Weird change, yes, but I think, yeah, at the end

488
00:22:46,040 --> 00:22:47,760
Speaker 5: of the day, if it is true, they all are

489
00:22:47,920 --> 00:22:50,440
Speaker 5: kind of like sharing each other's like they're going back

490
00:22:50,440 --> 00:22:52,760
Speaker 5: and forth between the partner's house and their house, and

491
00:22:52,840 --> 00:22:56,080
Speaker 5: they're I don't know, not really there all the time.

492
00:22:56,600 --> 00:22:58,959
Speaker 5: It kind of does even itself out, and it's not

493
00:22:59,040 --> 00:23:03,000
Speaker 5: worth having the commason. However, if everyone is always at

494
00:23:03,040 --> 00:23:05,520
Speaker 5: home and it's maybe like once a week one of

495
00:23:05,520 --> 00:23:07,639
Speaker 5: the people go to the partner's house or you know whatever,

496
00:23:08,000 --> 00:23:10,440
Speaker 5: then maybe it's worth having a look.

497
00:23:11,280 --> 00:23:13,879
Speaker 4: It sounds like the third housemate, the single housemate, is

498
00:23:13,880 --> 00:23:16,400
Speaker 4: feeling a bit put out. Sure, so it might even

499
00:23:16,440 --> 00:23:18,199
Speaker 4: just be a symptom of a deep issue, Like she's like,

500
00:23:18,240 --> 00:23:20,360
Speaker 4: there's all these people in my space, I'm the only

501
00:23:20,400 --> 00:23:22,480
Speaker 4: single person. I don't know how they feel about that

502
00:23:22,600 --> 00:23:24,520
Speaker 4: either way. That maybe they're just like, oh, like I

503
00:23:24,560 --> 00:23:26,440
Speaker 4: signed up to have three housemates and now I have five,

504
00:23:26,880 --> 00:23:29,119
Speaker 4: you know, so I feel that in my boat it

505
00:23:29,160 --> 00:23:31,479
Speaker 4: could be like a bigger conversation to be hard. But

506
00:23:31,720 --> 00:23:34,080
Speaker 4: I don't necessarily think that that means that the outcome

507
00:23:34,119 --> 00:23:37,960
Speaker 4: should be everyone needs to contribute financially. Depending on the.

508
00:23:37,960 --> 00:23:41,160
Speaker 2: Dynamics could be very different, right, Like, again, I've used

509
00:23:41,160 --> 00:23:44,119
Speaker 2: these examples in the past. If you and I just

510
00:23:44,200 --> 00:23:46,879
Speaker 2: lived together with beck and it was just the girls

511
00:23:46,880 --> 00:23:49,840
Speaker 2: and we're all singled, that dynamic is very different to

512
00:23:50,160 --> 00:23:53,760
Speaker 2: if three of us all have partners and our partners

513
00:23:53,800 --> 00:23:55,720
Speaker 2: come over. Because I feel like there's such a different

514
00:23:55,760 --> 00:23:58,080
Speaker 2: dynamic in a house because I've been through it where

515
00:23:58,160 --> 00:24:00,760
Speaker 2: I get a partner and then my partner now husband

516
00:24:00,800 --> 00:24:04,000
Speaker 2: comes over and we're cooking dinner together. It does feel

517
00:24:04,040 --> 00:24:07,639
Speaker 2: a lot more like you're living separate lives. In the

518
00:24:07,680 --> 00:24:11,040
Speaker 2: same space as opposed to historically because I lived with

519
00:24:11,160 --> 00:24:12,840
Speaker 2: my best friend for a long time and we are

520
00:24:12,880 --> 00:24:15,040
Speaker 2: still best friends, so it all worked out really well.

521
00:24:15,280 --> 00:24:17,359
Speaker 2: I just remember when her partner would come over, because

522
00:24:17,400 --> 00:24:19,320
Speaker 2: I was single at that point, I always felt like

523
00:24:19,359 --> 00:24:21,679
Speaker 2: I was in their way, like I would, you know,

524
00:24:21,920 --> 00:24:23,840
Speaker 2: maybe not come out of my room as often because

525
00:24:23,880 --> 00:24:25,479
Speaker 2: they'd be in the kitchen cooking, and I didn't want

526
00:24:25,480 --> 00:24:27,440
Speaker 2: to impose on their relationship or what they were doing

527
00:24:27,520 --> 00:24:29,119
Speaker 2: or what they were cooking. And I know that that

528
00:24:29,440 --> 00:24:31,600
Speaker 2: wasn't the case, because like I love both of them

529
00:24:31,640 --> 00:24:34,720
Speaker 2: and vice versa. But I can see how maybe she's

530
00:24:34,760 --> 00:24:36,960
Speaker 2: not feeling as comfortable in her space and maybe this

531
00:24:37,080 --> 00:24:39,960
Speaker 2: is a deeper way of her saying, hey, you're spending

532
00:24:40,000 --> 00:24:41,840
Speaker 2: lots of time in my space. I want some type

533
00:24:41,840 --> 00:24:44,400
Speaker 2: of remuneration for this, and maybe that's where that's going.

534
00:24:44,600 --> 00:24:46,960
Speaker 4: Yeah, yeah, whatever and else kind of think though.

535
00:24:47,480 --> 00:24:49,800
Speaker 2: So we asked a few questions. So first things first,

536
00:24:49,840 --> 00:24:51,720
Speaker 2: we said, do you live in a sharehouse where partners

537
00:24:51,760 --> 00:24:55,440
Speaker 2: stay regularly? Thirteen percent said yes, all of us have partners.

538
00:24:55,680 --> 00:24:59,080
Speaker 2: Seventy one percent of you said yes, some of us

539
00:24:59,160 --> 00:25:01,879
Speaker 2: have partners, and sixteen percent of you said we are

540
00:25:02,000 --> 00:25:06,239
Speaker 2: single ladies, and then we said if yes, have they

541
00:25:06,280 --> 00:25:09,200
Speaker 2: ever contributed to bills? So like, have the partners contributed

542
00:25:09,200 --> 00:25:11,800
Speaker 2: to bills? Eighty three percent said nah, not at all,

543
00:25:12,040 --> 00:25:15,159
Speaker 2: twelve percent said they have once before or rarely, and

544
00:25:15,280 --> 00:25:19,439
Speaker 2: six percent said they regularly contribute. Interesting, I want to

545
00:25:19,480 --> 00:25:23,000
Speaker 2: know that. Then we asked the question how many visits

546
00:25:23,000 --> 00:25:26,840
Speaker 2: per week warrants some cash to be coughed up. Forty

547
00:25:26,880 --> 00:25:29,639
Speaker 2: seven percent of you said between five and seven visits

548
00:25:29,680 --> 00:25:33,360
Speaker 2: a week. Yeah, twenty eight percent said three to four visits,

549
00:25:33,680 --> 00:25:38,160
Speaker 2: two percent said one to two visits. Sir, and your

550
00:25:38,200 --> 00:25:41,440
Speaker 2: boyven staying over one night a week actually missed.

551
00:25:41,480 --> 00:25:42,919
Speaker 4: I would be missed.

552
00:25:43,240 --> 00:25:46,800
Speaker 2: That's a good word. But twenty three percent of you

553
00:25:46,840 --> 00:25:50,960
Speaker 2: said I don't think they should contribute at all. Then

554
00:25:51,119 --> 00:25:53,159
Speaker 2: there was lots of responses. I feel like they've been

555
00:25:53,200 --> 00:25:56,120
Speaker 2: quite similar to ours. Someone said that poor girl having

556
00:25:56,160 --> 00:25:58,679
Speaker 2: to live with up to three extra people in the house.

557
00:25:58,760 --> 00:25:59,960
Speaker 4: Yeah, I love it.

558
00:26:00,160 --> 00:26:02,320
Speaker 2: This is where we're different. I'd be like, get out

559
00:26:02,320 --> 00:26:04,760
Speaker 2: of my house, how are you? I did not consent

560
00:26:04,800 --> 00:26:05,880
Speaker 2: to this cozy.

561
00:26:05,960 --> 00:26:07,920
Speaker 4: I think it depends on where that person is sitting,

562
00:26:07,960 --> 00:26:09,880
Speaker 4: because I've been in a house situation. There was three

563
00:26:09,880 --> 00:26:11,399
Speaker 4: of us, two of us have partners, one of us

564
00:26:11,400 --> 00:26:13,840
Speaker 4: did not, and the person who did not have a partner,

565
00:26:13,880 --> 00:26:17,320
Speaker 4: I think was in the place where she wanted a partner,

566
00:26:17,480 --> 00:26:20,879
Speaker 4: and so I feel like that compounded the thing she

567
00:26:21,000 --> 00:26:24,679
Speaker 4: was feeling a little bit. So I think she like

568
00:26:24,720 --> 00:26:26,280
Speaker 4: she never said anything about it, but.

569
00:26:26,320 --> 00:26:28,679
Speaker 2: One today partner wanted your partner. They could be very

570
00:26:28,720 --> 00:26:32,439
Speaker 2: different dynamics. Well that's it. You just you don't know.

571
00:26:32,560 --> 00:26:33,639
Speaker 4: You don't know what they're feeling, you don't know what

572
00:26:33,640 --> 00:26:34,119
Speaker 4: they're thinking.

573
00:26:35,000 --> 00:26:38,640
Speaker 2: Ron, you should move out on your own. Someone else said,

574
00:26:38,680 --> 00:26:40,919
Speaker 2: if the other housemates are gone half the time, it

575
00:26:41,000 --> 00:26:44,240
Speaker 2: kind of evens out. Nothing should be paid. Agreed. Someone said,

576
00:26:44,440 --> 00:26:46,600
Speaker 2: it looks like that housemate just needs to be shown

577
00:26:46,680 --> 00:26:47,280
Speaker 2: some more love.

578
00:26:47,760 --> 00:26:52,600
Speaker 4: Yeah, maybe they're feeling left out. Maybe, But also again,

579
00:26:52,640 --> 00:26:55,080
Speaker 4: like it's it comes back to it's not other people's responsibility.

580
00:26:55,359 --> 00:26:58,560
Speaker 2: Someone said, one hundred percent, they should contribute if they're

581
00:26:58,800 --> 00:27:01,320
Speaker 2: they're for a majority of the time. I have a

582
00:27:01,359 --> 00:27:04,080
Speaker 2: similar story. I'm going to message it to you can't wait.

583
00:27:04,720 --> 00:27:08,040
Speaker 2: Someone said, if they're staying over, then I'd say they're

584
00:27:08,080 --> 00:27:10,800
Speaker 2: just as good as living there too. I don't know.

585
00:27:10,840 --> 00:27:14,080
Speaker 2: I just feel like it's all about timing. Like I

586
00:27:14,240 --> 00:27:17,560
Speaker 2: started having a conversation with my now husband about whether

587
00:27:17,600 --> 00:27:20,080
Speaker 2: he should be contributing at my sharehouse when I lived

588
00:27:20,119 --> 00:27:23,360
Speaker 2: in a sharehouse and we just met because we started

589
00:27:23,359 --> 00:27:27,560
Speaker 2: staying over a lot of nights per week, and ultimately

590
00:27:27,600 --> 00:27:30,120
Speaker 2: we were like, actually, let's just move in with each other.

591
00:27:30,280 --> 00:27:32,840
Speaker 2: So that is good. I mean, so far, so good.

592
00:27:32,880 --> 00:27:35,199
Speaker 2: We've been together four years, we're married, but like, I

593
00:27:35,280 --> 00:27:38,080
Speaker 2: probably wouldn't recommend moving in with your partner if you've

594
00:27:38,080 --> 00:27:40,840
Speaker 2: been dating for less than a year. I'm kind of

595
00:27:40,880 --> 00:27:42,960
Speaker 2: a Gohard go home girl, you know. I love that.

596
00:27:43,000 --> 00:27:45,080
Speaker 2: Love it love that someone else said if they're having

597
00:27:45,160 --> 00:27:48,959
Speaker 2: meals a slash using food, they should definitely contribute there

598
00:27:49,000 --> 00:27:52,959
Speaker 2: as I'm assuming it is shared. I think condiments are

599
00:27:53,000 --> 00:27:54,280
Speaker 2: a big source of contention.

600
00:27:54,920 --> 00:27:55,280
Speaker 4: True.

601
00:27:55,400 --> 00:27:57,800
Speaker 2: In a home we spoke about the olive oil toilet

602
00:27:57,840 --> 00:28:03,800
Speaker 2: papers that yes, toilet paper everywhere. Housemates used to dodge

603
00:28:03,800 --> 00:28:06,800
Speaker 2: it or like get really annoyed. Miffed is the word

604
00:28:06,840 --> 00:28:10,360
Speaker 2: of the day. If you had not bought the right

605
00:28:10,440 --> 00:28:15,120
Speaker 2: toilet paper even though well broke you unie students and okay,

606
00:28:15,280 --> 00:28:18,120
Speaker 2: now now that you have this solid income, Jessica, you've

607
00:28:18,119 --> 00:28:20,360
Speaker 2: been to my house. You know I buy quilt. We're

608
00:28:20,400 --> 00:28:23,000
Speaker 2: not going to have this conversation. But as a poor

609
00:28:23,080 --> 00:28:26,080
Speaker 2: UNI student, I'm sorry. I'm not going to be spending that.

610
00:28:26,160 --> 00:28:27,240
Speaker 4: Can't buy Who gives a crap?

611
00:28:28,000 --> 00:28:28,760
Speaker 2: Absolutely not.

612
00:28:29,040 --> 00:28:29,359
Speaker 4: Yeah.

613
00:28:29,520 --> 00:28:31,080
Speaker 2: Also, that's not that soft.

614
00:28:31,640 --> 00:28:32,359
Speaker 4: Who gives a crap?

615
00:28:32,480 --> 00:28:32,720
Speaker 6: Yeah?

616
00:28:32,760 --> 00:28:35,199
Speaker 4: Not, that's it's not meant to be. Oh, it's recycled.

617
00:28:35,440 --> 00:28:38,200
Speaker 2: Someone else said, look, it's a fair request. If usage

618
00:28:38,200 --> 00:28:41,600
Speaker 2: has increased, your power bills together and look at your

619
00:28:41,640 --> 00:28:44,720
Speaker 2: spend over the last three months and see if it's increased.

620
00:28:44,960 --> 00:28:45,440
Speaker 2: That's fair.

621
00:28:45,640 --> 00:28:48,120
Speaker 4: That is a very good idea. That's a very good

622
00:28:48,160 --> 00:28:49,040
Speaker 4: idea to finance.

623
00:28:50,400 --> 00:28:52,240
Speaker 2: Yeah. I feel like I've done this a few times,

624
00:28:52,280 --> 00:28:55,400
Speaker 2: like with different team members who have had housemates situations.

625
00:28:55,400 --> 00:28:57,240
Speaker 2: I'm like, okay, well I'll sit down and I'll calculate

626
00:28:57,280 --> 00:28:58,880
Speaker 2: it for you. No worries. We don't let you know

627
00:28:59,000 --> 00:29:01,640
Speaker 2: exactly what is atually fair and equitable, and you can

628
00:29:01,640 --> 00:29:03,120
Speaker 2: take that back to the team and let them know

629
00:29:03,120 --> 00:29:06,440
Speaker 2: that I'm in on this too. Now it goes very well.

630
00:29:07,240 --> 00:29:10,480
Speaker 2: Someone else said, to cover any discrepancies in bills as

631
00:29:10,480 --> 00:29:12,720
Speaker 2: they are paid, set an amount that you put into

632
00:29:12,720 --> 00:29:15,080
Speaker 2: a shared Kitty, this was really important for me to

633
00:29:15,160 --> 00:29:17,520
Speaker 2: also have it in writing. I feel like that was

634
00:29:18,400 --> 00:29:21,760
Speaker 2: from experience. Maybe we've been there before.

635
00:29:21,800 --> 00:29:22,040
Speaker 4: Baby.

636
00:29:22,760 --> 00:29:26,360
Speaker 2: Someone else said, can you please add I'm just here

637
00:29:26,480 --> 00:29:29,160
Speaker 2: to read the results because I'm nosy and I don't

638
00:29:29,160 --> 00:29:30,040
Speaker 2: want to contribute.

639
00:29:30,200 --> 00:29:31,800
Speaker 4: I do the same thing I do apology.

640
00:29:31,840 --> 00:29:33,080
Speaker 2: Can you just to answer our questions?

641
00:29:33,360 --> 00:29:34,640
Speaker 4: Say you know the results, answer the.

642
00:29:34,560 --> 00:29:38,680
Speaker 2: Poll, answer the poll, don't skew our data. Contribute and

643
00:29:38,760 --> 00:29:42,800
Speaker 2: I mean we always have no answer. Just contribute because

644
00:29:42,840 --> 00:29:47,440
Speaker 2: our content is free. Free take our data collection as payment,

645
00:29:48,560 --> 00:29:51,080
Speaker 2: not adding it. You know what we've done for.

646
00:29:51,040 --> 00:29:54,880
Speaker 5: Luid just angry.

647
00:29:55,160 --> 00:29:59,120
Speaker 2: I'm not angry. I just think if you're the housemate

648
00:29:59,200 --> 00:30:01,520
Speaker 2: in the house that and bought olive oil recently, it's

649
00:30:01,560 --> 00:30:02,440
Speaker 2: time to pick some up.

650
00:30:03,040 --> 00:30:06,160
Speaker 4: Essentially love Public serfs announcement for She's on Money, Have.

651
00:30:06,280 --> 00:30:08,320
Speaker 2: The best weekend, guys. We will see you for a

652
00:30:08,360 --> 00:30:11,200
Speaker 2: money diary on Monday. Bye, guys, Why guys?

653
00:30:11,240 --> 00:30:16,720
Speaker 4: Bye.

654
00:30:18,080 --> 00:30:20,600
Speaker 2: The advice shared on She's on the Money is general

655
00:30:20,680 --> 00:30:24,520
Speaker 2: in nature and does not consider your individual circumstances. She's

656
00:30:24,560 --> 00:30:28,040
Speaker 2: on the Money exists purely for educational purposes and should

657
00:30:28,040 --> 00:30:31,240
Speaker 2: not be relied upon to make an investment or financial decision.

658
00:30:31,600 --> 00:30:34,080
Speaker 2: If you do choose to buy a financial product, read

659
00:30:34,080 --> 00:30:38,240
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

660
00:30:38,240 --> 00:30:41,520
Speaker 2: your needs. Victoria, Divine and She's on the Money are

661
00:30:41,600 --> 00:30:46,600
Speaker 2: authorized representatives of money. Sheper pty Ltd ABN three two

662
00:30:46,640 --> 00:30:49,640
Speaker 2: one is six four nine two seven seven zero eight

663
00:30:49,920 --> 00:30:54,960
Speaker 2: AFSL four five one two eight nine

664
00:31:00,680 --> 00:31:01,760
Speaker 4: Day that you want Me