Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 2: Hello, and welcome to She's on the Money. Need the
Speaker 2: podcast for housemates who want financial freedom from their other housemates.
Speaker 2: Today is Friday, which means it is time to get
Speaker 2: my little team together. We've got Beck Sayed and Miss
Speaker 2: Jess Gricci and we today, as always, are celebrating our
Speaker 2: beautiful She's on the Money community. Today we're going to
Speaker 2: be sharing or I say we because I want you
Speaker 2: and I Beck to be in on what Jess is
Speaker 2: bringing to the table. But Jess will be sharing our
Speaker 2: favorite money wins. You have another broke tip for us,
Speaker 2: We're going to be helping to answer a juicy money dilemma,
Speaker 2: which this week is all about channeling funds to pay
Speaker 2: down debt more effectively. And we're going to be unpacking
Speaker 2: a message that you slid into our DMS about which
Speaker 2: this week we're talking about splitting bills in the sharehouse.
Speaker 2: And I have an inkling of how this is going
Speaker 2: to go because we had a slightly heated conversation about
Speaker 2: olive oil before the show started recording. But we're not gonna,
Speaker 2: you know, say names or blame ex housemates. That's all good.
Speaker 4: Beck.
Speaker 2: How has your week been? What have you been up to?
Speaker 5: My week has been real, cruzy, cruzy, crazy, almost too crazy.
Speaker 6: I'm wondering more? Am I missing?
Speaker 4: Oh?
Speaker 2: No, it's pay week? You got paid?
Speaker 6: Ah? Yes, yeah, yes, not stressed anymore?
Speaker 2: No, no, no, how did you go give us an
Speaker 2: update for fifteen dollars? And like what was it?
Speaker 1: Like?
Speaker 2: Thirty one cents?
Speaker 6: It was thirty three cents?
Speaker 2: Okay, sorry, fifteen dollars and thirty three cents that you
Speaker 2: had to live off for the last week? Did we
Speaker 2: do it?
Speaker 6: Need it?
Speaker 2: Of course you need it. Nobody doubted you.
Speaker 5: Thank you so much. But you know it's because I'm
Speaker 5: a single person. I don't have any dependence. I'm very
Speaker 5: lucky that way. So I made it work. It lasted
Speaker 5: the whole week. I even had a few cents left
Speaker 5: at the end.
Speaker 2: I love this. We should do like a little join
Speaker 2: beck on a frugal week. Yeah, like not necessarily just
Speaker 2: pay week, but like we all do one week where
Speaker 2: we are as frugal as possible and we can like
Speaker 2: calculate how much we save as a team or like
Speaker 2: as a community. Everybody else can join in as well
Speaker 2: and see how much we could actually save him one week.
Speaker 2: Because if anything is impossible to me, it's one of
Speaker 2: those no spend months that people on social media do.
Speaker 4: Yes, I always have wanted to be one of those people,
Speaker 4: and I just simply never have A.
Speaker 2: Month is not going to work. But do you reckon?
Speaker 2: You could commit to a week?
Speaker 4: Give it a crack.
Speaker 2: I think we could do a week and then we're
Speaker 2: just going to use beck A's gospel and be like beck,
Speaker 2: what would you do?
Speaker 4: Beck?
Speaker 2: How do we make this work? Beck? What's our grocery
Speaker 2: list this week? Lack for the most budget options? I
Speaker 2: love better belief but do you know what I'm going
Speaker 2: to fail all in?
Speaker 4: That sounds really fun. Maybe we'll work on ptting that
Speaker 4: together so we can do it as a community.
Speaker 2: Everyone.
Speaker 6: I want great idea.
Speaker 2: Yeah, we had to give a catchy name so if
Speaker 2: anyone has a catchy name for Beck's Broke Week.
Speaker 6: Yeah, some sort of challenge, something about challenging.
Speaker 4: LLB get bracelets.
Speaker 2: What would Beck do?
Speaker 4: So cute?
Speaker 2: Yes, well we're going to do you know what? I
Speaker 2: think we should workshop this later.
Speaker 6: Yeh, let's workshop it.
Speaker 2: Jessica, how's your week being really good?
Speaker 4: It's very quiet because of this is enjoying the sunny
Speaker 4: shores of Bali right now. And hello, sadly not me.
Speaker 2: I'm in Bali, but I have tuned in to talk
Speaker 2: about housemates because she wouldn't missed it. Don't tempt me
Speaker 2: with a good time.
Speaker 6: I mean who wouldn't.
Speaker 2: Literally not me, not me. I'm here with bells on,
Speaker 2: so let's jump into it. It's been a good week,
Speaker 2: especially for me. I have heard that it was also
Speaker 2: a good week for our community. Jess what money wins
Speaker 2: have you pulled out of the community to share?
Speaker 4: My first money win this week comes from Micah, who
Speaker 4: said I paid off my small after pay balance with
Speaker 4: money from selling clothes that I don't wear that I
Speaker 4: used after pay to buy, and I have now closed
Speaker 4: my after pay A pound for good when very good,
Speaker 4: full circle moment. You love that. My next money win
Speaker 4: comes from Samantha, who said I went up a skill
Speaker 4: step at my performance review, which means a pay increase
Speaker 4: plus the four point five percent pay increase the Union
Speaker 4: campaign for means my fortnightly income is about to go up.
Speaker 4: Plus I got my tax done and thanks to all
Speaker 4: my study deductions, I should be getting a decent refund
Speaker 4: tax time. We love to see it. Next, I've got
Speaker 4: a money win from Katie, who said I sold a
Speaker 4: washing machine on Facebook marketplace for seventy five dollars three
Speaker 4: years ago. I paid fifty dollars for it.
Speaker 2: Oh my gosh, you got a money win.
Speaker 4: What's that twenty five dollars profit three years later?
Speaker 2: The capital gainstow.
Speaker 4: We love it. Next, I've got a money win from Chavon,
Speaker 4: who said not having to worry about AFL finals this
Speaker 4: year is a money win. Freeman's were breaking my heart again,
Speaker 4: Not so much.
Speaker 2: That's a winner. Or we can be friends.
Speaker 4: Yeah yeah, Next I have a money loss from Cass,
Speaker 4: who said confession, emotional and stress spending has been intense.
Speaker 4: So I have a date with my budget tonight to
Speaker 4: reinstate some boundaries and make myself a plan. I love
Speaker 4: this normal calling off the horse and getting back on.
Speaker 2: Yeah, you can't stay on the horse all the time.
Speaker 6: Yeah, yeah, exactly.
Speaker 2: It's like we actually have two brain cells between us
Speaker 2: and they're both competing for third place.
Speaker 4: Lastly, this week, I have a money win from Amy.
Speaker 4: He said, I forgot my lunch today and I wasn't
Speaker 4: keen to pay for takeaway, but I found a long
Speaker 4: forgotten frozen meal in the freezer at work. Money. Yes,
Speaker 4: and that was getting me.
Speaker 2: That's good, that's real good.
Speaker 4: That was giving me. BB. I was right, good one
Speaker 4: to finish on.
Speaker 6: I love that.
Speaker 2: I love that we should bring that back BB.
Speaker 5: Never one away true might be new or have forgotten.
Speaker 2: BBA is big back energy. Ye Oh, I love I
Speaker 2: love it.
Speaker 7: BB.
Speaker 2: Speaking of bringing some BB to this show, Yes, spex broke.
Speaker 5: Tips Okay, BBT, you are great a segways BBT.
Speaker 4: It's like a BLT, but more frugal, yes, more tasty bacon.
Speaker 2: It's mainly just free cheese and bread from the cafeteria.
Speaker 5: Exactly, exactly. So all right, first one I'm going to
Speaker 5: start off with, We're ready from this feels very aggressive.
Speaker 6: Let me bring this back. I got this pen in
Speaker 6: my hand and I'm pointing every I'm just going to be.
Speaker 2: Very could you please let me relax?
Speaker 5: Sorry me, Oh my goodness, you don't need my pad
Speaker 5: pointing at you from Bali in Bali. Okay, So this
Speaker 5: one is from Terry who actually, after a little bit
Speaker 5: of digging, realized this one is initially from my Millennial Money.
Speaker 5: Stole it from Different Money, Yeah, which is like penultimate
Speaker 5: broke tips.
Speaker 2: So we're kind of really scraping the bottom of the barrel.
Speaker 2: Is heaping here but being very budget but taking from
Speaker 2: Glenn James's community.
Speaker 6: Glenn, sorry, Glenny.
Speaker 2: He feels very generous of us taking from the.
Speaker 4: Reach to give to the poor.
Speaker 6: Yes, exactly.
Speaker 5: No, but this is a really really good tip from Terry.
Speaker 5: So this can kill a lot of birds with one stone.
Speaker 5: So if you go to the website, you can find
Speaker 5: one hundred and ninety nine plus freebies for your birthday.
Speaker 5: So what you do is you sign up with all
Speaker 5: these places so you'll find this on the My Millennial
Speaker 5: Money website. Basically, you can either do this for yourself
Speaker 5: on your birthday, go around and get a bunch of.
Speaker 2: Freebies stunning, eat free the whole day.
Speaker 5: Or if you have a child and you want to
Speaker 5: do something that's a little bit cheap you can't really
Speaker 5: afford gifts, or you can't really afford to take them
Speaker 5: out or have a party, take that child out and
Speaker 5: get them all a bunch.
Speaker 6: Of free stuff.
Speaker 2: Genius.
Speaker 6: Everywhere you go, you'll find it.
Speaker 5: You know, there's that boost smoothie that you can get
Speaker 5: that's free on your birthday.
Speaker 4: There's free ice cream Baskin Robins.
Speaker 5: You used to love a Baskin Robins absolutely so you
Speaker 5: can find so many places that offer something free for
Speaker 5: your birthday. So check it out on the My Millennial
Speaker 5: Money website. That is a mouthful.
Speaker 2: How much to glean pay you to get his ad
Speaker 2: on our podcast?
Speaker 6: Lots of money and that's why I was able to
Speaker 6: survive last week.
Speaker 2: Yeah, well it's obviously lots of money because he spent
Speaker 2: it all on his boat, didn't he.
Speaker 7: Oh my.
Speaker 2: Goodness, I'll be glad. Please don't hate me, come on
Speaker 2: show again. Meet your tips and tricks. Please please, please please.
Speaker 4: The next one comes from.
Speaker 6: At Lease I Love I Love Alise.
Speaker 5: So Alise kind of says, if you're eating at a
Speaker 5: friend's house or a family member's house, this is something
Speaker 5: I did mention last week that I did want to
Speaker 5: also say this week, really reiterating it really yes, yes, yes,
Speaker 5: it was intended for this week. Accidentally slipped up but
Speaker 5: didn't give credit to Elise. So when you're eating at
Speaker 5: a friend's house, you're eating anywhere really where there are
Speaker 5: takeaway options available, maybe you have with lunch at work
Speaker 5: or something like that. Personally, I get way too lazy
Speaker 5: to take stuff home, especially because I live in a sharehouse.
Speaker 5: I'm like, I only have one little compartment in the fridge.
Speaker 5: I don't have space for all this stuff. If you
Speaker 5: have the ability to take freebies where you can, wherever
Speaker 5: that may be. If you're going and eating somewhere, if
Speaker 5: you want to take takeaway, if you want to get
Speaker 5: a doggie bag for one French fry, do it.
Speaker 6: If you're eating at a restaurant, I should say, would just
Speaker 6: french fry.
Speaker 2: If you can fit in French fry in a separate
Speaker 2: stomach for French fries Beck.
Speaker 4: That's fair because they always say do you want to
Speaker 4: take it home? And I always just go.
Speaker 2: They'll give you free takeaway containers which you can wash
Speaker 2: out as well. In news yes exactly. Yeah, so those
Speaker 2: are the community broke tips.
Speaker 6: My personal one is this.
Speaker 5: App that's called petrol Spy. So basically down with this app,
Speaker 5: have it on your phone if you're driving around. I
Speaker 5: kind of use it more so if I'm driving to Sydney,
Speaker 5: for example, and you know that the highway petrol stations
Speaker 5: can kind of like really bump the prices up. I'll
Speaker 5: put in petrol spy the places that I'm going. I'll
Speaker 5: have a look around and see if there are towns
Speaker 5: on my way that yes, yes. But you can use
Speaker 5: it anytime you can.
Speaker 2: I do not want to drive to Sydney.
Speaker 4: Don't push it too late, as someone who's broken down
Speaker 4: on the highway, true one state to another. Don't push
Speaker 4: it too late. Hey you later.
Speaker 5: But yes, downloaded petrol spy and you can see kind
Speaker 5: of like when the last time someone registered a price,
Speaker 5: so you won't go there and it's like all of
Speaker 5: a sudden, twenty cents more or something. You can't figure
Speaker 5: out if it's quite recent.
Speaker 2: Oh I love that. And the more people that use it,
Speaker 2: obviously the more updated the price.
Speaker 6: That's clear.
Speaker 2: Ooh love one. All right, guys, let's go to a
Speaker 2: really quick break on the flip side. I want to
Speaker 2: talk to you about how to channel funds to pay
Speaker 2: down your debts, and we get to talk about how
Speaker 2: to split bills in a sharehouse, which I think is
Speaker 2: going to be a very fun olive oil discussion. Don't
Speaker 2: go anywhere, guys.
Speaker 4: Welcome back, guys. Let's take a listen to the money dilemma.
Speaker 2: Hi there, have you got a money dilemma you just
Speaker 2: can't solve? The Sheese on the Money team is here
Speaker 2: to help. Every week, we tackle your dilemmas, both big
Speaker 2: and small, to answer your most burning money, career and
Speaker 2: life questions. To get involved, simply head to our website
Speaker 2: and leave us a short voice recording and you might
Speaker 2: just find yourself on the show. Now, let's take a
Speaker 2: listen to this week's money dilemma.
Speaker 4: Hi there.
Speaker 7: My money dilemma is that at the moment, I'm a
Speaker 7: freelance acrobat and very lucky that I have an investment property.
Speaker 7: But my dilemma is around looking at my help debt,
Speaker 7: and whether it is more beneficial to put fifty dollars
Speaker 7: a month into repaying my help debt, or should I
Speaker 7: be putting that money towards investing or should I be
Speaker 7: putting it towards.
Speaker 6: More rescular repayments my mortgage. Any help would be best.
Speaker 7: I can't really spare more than the fifty a month
Speaker 7: to go all three ways, and any advice would be great.
Speaker 2: I just freelance Acrobat. That is not where I thought
Speaker 2: this is a case is going to go.
Speaker 4: That's the best job we've ever had.
Speaker 2: So I tried to be real pervy and I go
Speaker 2: googled freelance Acrobat income.
Speaker 4: And imagine there's not a lot of data out there.
Speaker 2: No, it just comes up with Adobe going how to
Speaker 2: find a side hustle from home and how to download
Speaker 2: this free pdfreda. I'm not telling me how much she earns,
Speaker 2: and to be honest, I'm not gonna put in the
Speaker 2: time and the energy to understanding that because it doesn't
Speaker 2: matter what she earns. She did tell us how much
Speaker 2: she has left over. Yes, so Beck Jess, yes you've
Speaker 2: got some extra dosh at the end of the month.
Speaker 2: How would you be viewing it is that something that
Speaker 2: you're putting against your hex Is that something that you're
Speaker 2: putting against your home loan? I didn't realize she sounded
Speaker 2: quite young. You're a freelance acrobat with your own investment property.
Speaker 6: Pretty imagine?
Speaker 2: Yeah?
Speaker 6: True, really that's so cool.
Speaker 2: This is maybe an untapped industry change curious?
Speaker 6: Yes, yes, yes, please, no, well you please go ahead.
Speaker 5: I feel like you've I don't have hex steps, so
Speaker 5: it must be nice.
Speaker 4: I can't get invested.
Speaker 2: Must be us. We're at the same table. Well, there
Speaker 2: you go, there you go.
Speaker 4: I mean, I'm just gonna parrot what I feel like
Speaker 4: I've always heard you say. Okay, I don't know, I
Speaker 4: don't know if that's fair. You want to go for
Speaker 4: I'm Victoria. To fine, Hello's Victoria speaking, But she picks.
Speaker 2: Up the phone. That made me feel a little bit.
Speaker 2: How don't you pick up the phone?
Speaker 4: Hello? You say Victoria in a really specific way when
Speaker 4: you pick up the phone. I feel like I've said
Speaker 4: this to you before.
Speaker 2: Hello, it's Victoria speaking, Victoria Like it's like that's my name.
Speaker 4: I feel like you're saying it's Victoria. But you can
Speaker 4: just drop in the tea and you go Victoria.
Speaker 2: How do you enter the phone? Hello? Don't you say
Speaker 2: your name?
Speaker 7: That.
Speaker 2: I feel like it was drilled into me as a
Speaker 2: child to answer the phone politely. Hello, this is Victoria speaking.
Speaker 2: I help you, like my house was made of customer service,
Speaker 2: but like people.
Speaker 6: Are calling you so they know it's Victoria speaking.
Speaker 4: Let's get back on track.
Speaker 2: Yes, sorry, our producer is like you guys are off
Speaker 2: the hook.
Speaker 4: Like the phone when you lived at home, and it was.
Speaker 2: Like to get off the phone. I want to go
Speaker 2: on MSN.
Speaker 4: Took me a second, but I got there. Okay. Anyway,
Speaker 4: to parrot what I have heard Victorious a many times before,
Speaker 4: I believe is that hector is the one debt that
Speaker 4: dies with you, which is a little morbid, but if
Speaker 4: you die, it disappears, doesn't get passed on to anybody. Actually,
Speaker 4: you know what, now that the hex indexation is higher,
Speaker 4: perhaps this is a smadge different, But typically we would
Speaker 4: have or I would have thought, the answer was the
Speaker 4: potential rate of return on an investment, generally speaking, may
Speaker 4: or may not be higher than the debt that you
Speaker 4: would be occurring on a hex debt, which then also
Speaker 4: disappears when you die. So like most people wouldn't priorities
Speaker 4: paying it off historically. I don't know where we sit
Speaker 4: now that the hex is index, now that the hex
Speaker 4: is indexation, now that you.
Speaker 2: Know that the hex has been index, yeah, I can
Speaker 2: see why it was challenging.
Speaker 4: My one brain cell? Is you jumping your all?
Speaker 1: Right?
Speaker 2: Can I please take the brain cell button and have
Speaker 2: a turn?
Speaker 6: I would love that you have the brain cell now.
Speaker 2: So it really depends obviously on your own financial goals.
Speaker 2: It's not necessarily what is better, because we could do
Speaker 2: a whole heap of mats that tells you that the
Speaker 2: best asset class in Australia to invest in that has
Speaker 2: the highest return is actually shares, But that doesn't mean
Speaker 2: that's what you want to buy. Like, go over to
Speaker 2: justice side of the table and I say put your
Speaker 2: house deposit in shares. She's gonna say, absolutely not. That
Speaker 2: is not in line with my values. So just because
Speaker 2: something has the best return does not mean it is
Speaker 2: the best for you personally. So I think starting there
Speaker 2: is really important. Jess is correct. Hex is the one
Speaker 2: thing that if you lose your income, you don't have
Speaker 2: to pay if you die. It doesn't get past your
Speaker 2: friends or your family or whoever you see your next
Speaker 2: of kin. Whereas your mortgage will obviously with HEX indexation
Speaker 2: at seven point one percent this year, people are looking
Speaker 2: at it a little bit differently, but it's going to
Speaker 2: be indexed every single year, and it has been indexed
Speaker 2: for the past few years. It's just never been at
Speaker 2: a point that has I guess catastrophically offended people enough
Speaker 2: for them to make a change. I didn't make any
Speaker 2: changes based on indexation on my HEX step because at
Speaker 2: the moment, I just really don't want to have a mortgage,
Speaker 2: so I'd prefer my money to go there. But if
Speaker 2: you look at the interest rate on my mortgage, which
Speaker 2: currently now is that a vomit worthy five point five
Speaker 2: percent versus my indexation on my HEX which is at
Speaker 2: seven point four one percent, what you need to remember
Speaker 2: is that seven point one percent was once off and
Speaker 2: next year it could be lower or it could be different.
Speaker 2: Whereas my mortgage is going to continue to cost me
Speaker 2: five point five percent each and every single month, which
Speaker 2: is bile. So it really depends on how you want
Speaker 2: to calculate it or work it out. But I'd sit
Speaker 2: down and go, well, what are my financial goals like
Speaker 2: is this fifty dollars going to get me closer to
Speaker 2: the holiday that I want to go on. Is that
Speaker 2: more important than getting rid of my hextet? And one
Speaker 2: of the things about hextet is it's kind of one
Speaker 2: of the only debts that doesn't stop you from borrowing
Speaker 2: more money like you can and I'm not saying that
Speaker 2: this is good, but you can get personal loans, you
Speaker 2: can get mortgages, or while you have HEX, it just
Speaker 2: changes your borrowing capacity. But you already have a mortgage
Speaker 2: and you already have that investment property. So I'm assuming
Speaker 2: that smashing down your HEX is not the biggest priority,
Speaker 2: because what happens when it's gone, right, Like, are you
Speaker 2: using that cash flow for another financial goal? If so,
Speaker 2: whilen't We're working towards it now. Like there's just lots
Speaker 2: of questions and there's no real perfect answer. It's just
Speaker 2: more well, what is more of value to you personally?
Speaker 2: And what does that look like? Because as I said,
Speaker 2: I could show you on a piece of paper what
Speaker 2: the quote best asset class return on average over the
Speaker 2: last thirty years has been, it will come out as shares.
Speaker 2: That doesn't mean that people want to do that, like
Speaker 2: exclusively with their money, so it really yeah, it depends.
Speaker 2: Sorry for that roundabout answer.
Speaker 5: If you do want a more in depth answer, you
Speaker 5: can absolutely listen to the episode that we did about
Speaker 5: Hex and Indexation are back in May, very sexy. Check
Speaker 5: it out if you want great.
Speaker 2: Love, this great app.
Speaker 4: Let's rage on good stuff.
Speaker 2: Yeah you ready, juicy? Are you ready? All right? So
Speaker 2: this week's community dilemma, you've slid into our dms. We
Speaker 2: are on a roll when it comes to housemate topics,
Speaker 2: so we're not gonna stop. This week's message sounded a
Speaker 2: lot like this, Ready, guys, ready, staying on trend with
Speaker 2: the roommate dilemmas, laughing, crying emoji face. I live in
Speaker 2: a house of four girls, and all of us have
Speaker 2: partners apart from one. The one who doesn't has rallied
Speaker 2: us all together and said she thinks we need to
Speaker 2: negotiate our bills as our boyfriends come over and use
Speaker 2: water and electricity, et cetera. But on the flip side,
Speaker 2: we're all gone at our boyfriend's houses half the time
Speaker 2: as well, and she's the only one during that period
Speaker 2: of time thoughts on what we should do s O
Speaker 2: S sounds like it's break even. I would say, I
Speaker 2: don't really still agreed, is that the answer? All?
Speaker 1: Right?
Speaker 2: Well by.
Speaker 6: That is nice. Yeah, it just sounds like like I
Speaker 6: totally get it.
Speaker 5: If if they were always at home the partners included,
Speaker 5: then I would understand that a lot more. But really
Speaker 5: it's probably negligible. I would say, if they're kind of
Speaker 5: like half at home half of the partner's house, it
Speaker 5: kind of all evens out, all comes out in the world.
Speaker 2: Like if you're having your partner stay over like three
Speaker 2: nights a week and then you're staying at their house
Speaker 2: four nights a week. Just for clarity, is yeah, they're
Speaker 2: saving one shower per week.
Speaker 5: It's yet not really probably not worth like the awkward
Speaker 5: conversation potentially a fight for you know, if you really
Speaker 5: break down the numbers, it's probably not that much.
Speaker 4: I would argue, really, if the partners, their chances are
Speaker 4: the housemate of the partner is also there, if you're
Speaker 4: sitting in the bedroom, ei there's one person in there
Speaker 4: or two, same amount of electricities being used, like Jeremy.
Speaker 4: Like the one argument I suppose could be made for
Speaker 4: shower save water shower with partner, Sure, but I don't
Speaker 4: think that could lead to a longer shower. But you know,
Speaker 4: I feel like it's not enough, that it's not as
Speaker 4: if in my mind, that's detrimentally inflating the cost of bills.
Speaker 4: And if it is, like if they're leaving lights on everywhere,
Speaker 4: maybe there's a conversation to be sure around hey, can
Speaker 4: we just be mindful that if we're jumping from one
Speaker 4: room to another, we're switching the lights off. But if
Speaker 4: the environment trial laugh, But I don't think it matters
Speaker 4: that much.
Speaker 2: Maybe the food, maybe the food situation or if the
Speaker 2: food is there, I think that's a situation. But I
Speaker 2: would also like to go back to how you negotiated
Speaker 2: the rooms to begin with, like are you paying rent
Speaker 2: based on the room that you hold or are you
Speaker 2: paying rent based on how many heads are in the house?
Speaker 2: Because I feel like this goes two roots, and every
Speaker 2: house I've ever lived in has always been you pay
Speaker 2: rent based on the room that you're in, and so
Speaker 2: like this room might be where three hundred and fifty
Speaker 2: dollars a week, and if my partner stays over, well
Speaker 2: that's part and pussle. I've now decided to share my space. However,
Speaker 2: I do see the bill thing as being an issue.
Speaker 2: I know that this could be fickle, but like from
Speaker 2: this circumstance, I look at it and go, you know what,
Speaker 2: it's easy, come, easygo, it's pretty even. But what if
Speaker 2: your boyfriend doesn't have a job and all of your
Speaker 2: housemates go to work and you go to work, and
Speaker 2: then your boyfriend's just hanging out in your house with
Speaker 2: a heater on full blast. True, like that could be
Speaker 2: an issue.
Speaker 6: That's true, that's true, we can talk about that.
Speaker 2: But that doesn't seem to be what's going on here.
Speaker 4: No, No, that would be a separate issue. I would
Speaker 4: imagine altogether.
Speaker 2: Really, why I are in my house without me?
Speaker 5: Weird change, yes, but I think, yeah, at the end
Speaker 5: of the day, if it is true, they all are
Speaker 5: kind of like sharing each other's like they're going back
Speaker 5: and forth between the partner's house and their house, and
Speaker 5: they're I don't know, not really there all the time.
Speaker 5: It kind of does even itself out, and it's not
Speaker 5: worth having the commason. However, if everyone is always at
Speaker 5: home and it's maybe like once a week one of
Speaker 5: the people go to the partner's house or you know whatever,
Speaker 5: then maybe it's worth having a look.
Speaker 4: It sounds like the third housemate, the single housemate, is
Speaker 4: feeling a bit put out. Sure, so it might even
Speaker 4: just be a symptom of a deep issue, Like she's like,
Speaker 4: there's all these people in my space, I'm the only
Speaker 4: single person. I don't know how they feel about that
Speaker 4: either way. That maybe they're just like, oh, like I
Speaker 4: signed up to have three housemates and now I have five.
Speaker 2: You know, so I feel that in my boat it.
Speaker 4: Could be like a bigger conversation to be hard. But
Speaker 4: I don't necessarily think that that means that the outcome
Speaker 4: should be everyone needs to contribute financially. Depending on the.
Speaker 2: Dynamics could be very different, right, Like, again, I've used
Speaker 2: these examples in the past. If you and I just
Speaker 2: lived together with beck and it was just the girls
Speaker 2: and we're all singled, that dynamic is very different to
Speaker 2: if three of us all have partners and our partners
Speaker 2: come over. Because I feel like there's such a different
Speaker 2: dynamic in a house because I've been through it where
Speaker 2: I get a partner and then my partner now husband
Speaker 2: comes over and we're cooking dinner together. It does feel
Speaker 2: a lot more like you're living separate lives. In the
Speaker 2: same space as opposed to historically because I lived with
Speaker 2: my best friend for a long time and we are
Speaker 2: still best friends, so it all worked out really well.
Speaker 2: I just remember when her partner would come over, because
Speaker 2: I was single at that point, I always felt like
Speaker 2: I was in their way, like I would, you know,
Speaker 2: maybe not come out of my room as often because
Speaker 2: they'd be in the kitchen cooking, and I didn't want
Speaker 2: to impose on their relationship or what they were doing
Speaker 2: or what they were cooking. And I know that that
Speaker 2: wasn't the case, because like I love both of them
Speaker 2: and vice versa. But I can see how maybe she's
Speaker 2: not feeling as comfortable in her space and maybe this
Speaker 2: is a deeper way of her saying, hey, you're spending
Speaker 2: lots of time in my space. I want some type
Speaker 2: of remuneration for this, and maybe that's where that's going.
Speaker 4: Yeah, yeah, whatever and else kind of think though.
Speaker 2: So we asked a few questions. So first things first,
Speaker 2: we said, do you live in a sharehouse where partners
Speaker 2: stay regularly? Thirteen percent said yes, all of us have partners.
Speaker 2: Seventy one percent of you said yes, some of us
Speaker 2: have partners, and sixteen percent of you said we are
Speaker 2: single ladies, and then we said if yes, have they
Speaker 2: ever contributed to bills? So like, have the partners contributed
Speaker 2: to bills? Eighty three percent said nah, not at all,
Speaker 2: twelve percent said they have once before or rarely, and
Speaker 2: six percent said they regularly contribute. Interesting, I want to
Speaker 2: know that. Then we asked the question how many visits
Speaker 2: per week warrants some cash to be coughed up. Forty
Speaker 2: seven percent of you said between five and seven visits
Speaker 2: a week. Yeah, twenty eight percent said three to four visits,
Speaker 2: two percent said one to two visits. Sir, and your
Speaker 2: boyven staying over one night a week actually missed. I
Speaker 2: would be missed. That's a good word. But twenty three
Speaker 2: percent of you said I don't think they should contribute
Speaker 2: at all. Then there was lots of responses. I feel
Speaker 2: like they've been quite similar to ours. Someone said that
Speaker 2: poor girl having to live with up to three extra
Speaker 2: people in the house.
Speaker 6: Yeah, I love it.
Speaker 2: This is where we're different. I'd be like, get out
Speaker 2: of my house, how are you? I did not consent
Speaker 2: to this cozy.
Speaker 4: I think it depends on where that person is sitting,
Speaker 4: because I've been in a house situation. There was three
Speaker 4: of us, two of us have partners, one of us
Speaker 4: did not, and the person who did not have a partner,
Speaker 4: I think was in the place where she wanted a partner,
Speaker 4: and so I feel like that compounded the thing she
Speaker 4: was feeling a little bit. So I think she like
Speaker 4: she never said anything about it, but.
Speaker 2: One today partner wanted your partner. They could be very
Speaker 2: different dynamics. Well that's it.
Speaker 4: You just you don't know, you don't know what they're feeling,
Speaker 4: you don't know what they're thinking.
Speaker 2: Roun you should move out on your own. Someone else said,
Speaker 2: if the other housemates are gone half the time, it
Speaker 2: kind of evens out. Nothing should be paid.
Speaker 4: Agreed.
Speaker 2: Someone said, it looks like that housemate just needs to
Speaker 2: be shown some more love.
Speaker 4: Yeah, maybe they're feeling left out. Maybe, But also again,
Speaker 4: like it's it comes back to it's not other people's responsibility.
Speaker 2: Someone said, one hundred percent, they should contribute if they're
Speaker 2: they're for a majority of the time. I have a
Speaker 2: similar story. I'm going to message it to you can't wait.
Speaker 2: Someone said, if they're staying over, then I'd say they're
Speaker 2: just as good as living there too. I don't know
Speaker 2: I just feel like it's all about timing. Like I
Speaker 2: started having a conversation with my now husband about whether
Speaker 2: he should be contributing at my sharehouse when I lived
Speaker 2: in a sharehouse and we just met because we started
Speaker 2: staying over a lot of nights per week, and ultimately
Speaker 2: we were like, actually, let's just move in with each other.
Speaker 2: So that is good. I mean, so far, so good.
Speaker 2: We've been together four years, we're married, but like, I
Speaker 2: probably wouldn't recommend moving in with your partner if you've
Speaker 2: been dating for less than a year. I'm kind of
Speaker 2: a Gohard go home girl, you know. I love that
Speaker 2: love that love that someone else said if they're having
Speaker 2: meals a slash using food, they should definitely contribute there
Speaker 2: as I'm assuming it is shared. I think condiments are
Speaker 2: a big source of contention.
Speaker 6: True.
Speaker 2: In a home we spoke about the olive oil toilet
Speaker 2: papers that yes, toilet paper everywhere. Housemates used to dodge
Speaker 2: it or like get really annoyed. Miffed is the word
Speaker 2: of the day. If you had not bought the right
Speaker 2: toilet paper even though well broke you unie students and Okay,
Speaker 2: now now that you have this solid income, Jessica, you've
Speaker 2: been to my house. You know I buy quilt. We're
Speaker 2: not going to have this conversation. But as a poor
Speaker 2: UNI student, I'm sorry. I'm not going to be spending that.
Speaker 6: Can't buy Who gives a crap?
Speaker 2: Absolutely not.
Speaker 4: Yeah.
Speaker 2: Also, that's not that soft.
Speaker 6: Who gives a crap?
Speaker 7: Yeah?
Speaker 6: Not, that's it's not meant to be. Oh, it's recycled.
Speaker 2: Someone else said, look, it's a fair request. If usage
Speaker 2: has increased, your power bills together and look at your
Speaker 2: spend over the last three months and see if it's increased.
Speaker 2: That's fair.
Speaker 6: That is a very good idea.
Speaker 4: That's a very good.
Speaker 2: Idea to finance. Yeah. I feel like I've done this
Speaker 2: a few times, like with different team members who have
Speaker 2: had housemates situations. I'm like, okay, well I'll sit down
Speaker 2: and I'll calculate it for you. No worries. We don't
Speaker 2: let you know exactly what is atually fair and equitable,
Speaker 2: and you can take that back to the team and
Speaker 2: let them know that I'm in on this too. Now
Speaker 2: it goes very well. Someone else said, to cover any
Speaker 2: discrepancies in bills as they are paid, set an amount
Speaker 2: that you put into a shared Kitty, this was really
Speaker 2: important for me to also have it in writing. I
Speaker 2: feel like that was from experience. Maybe we've been there before.
Speaker 4: Baby.
Speaker 2: Someone else said, can you please add I'm just here
Speaker 2: to read the results because I'm nosy and I don't
Speaker 2: want to contribute.
Speaker 6: I do the same thing I do apology.
Speaker 2: Can you just to answer our questions?
Speaker 4: Say you know the results, answer the.
Speaker 2: Poll, answer the poll, don't skew our data. Contribute and
Speaker 2: I mean we always have no answer. Just contribute because
Speaker 2: our content is free. Free take our data collection as payment,
Speaker 2: not adding it. You know what we've done for.
Speaker 4: Luid just angry.
Speaker 2: I'm not angry. I just think if you're the housemate
Speaker 2: in the house that and bought olive oil recently, it's
Speaker 2: time to pick some up. Essentially love Public.
Speaker 4: Serfs announcement for She's on Money.
Speaker 2: PA have the best weekend. Guys. We will see you
Speaker 2: for a money diary on Monday. Bye guys, Hi, guys.
Speaker 4: Bye.
Speaker 2: The advice shared on She's on the Money is general
Speaker 2: in nature and does not consider your individual circumstances. She's
Speaker 2: on the Money exists purely for educational purposes and should
Speaker 2: not be relied upon to make an investment or financial decision.
Speaker 2: If you do choose to buy a financial product, read
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards
Speaker 2: your needs. Victoria, Divine and She's on the Money are
Speaker 2: authorized representatives of Money Sherper Pty Ltd ABN three two
Speaker 2: one is six four nine two seven seven zero eight
Speaker 2: AFSL four five one two eight nine
Speaker 5: The Way that You Want Me