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Speaker 1: Hello.

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Speaker 2: My name is Santasha Nabananga Bamblet. I'm a proud Order

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Speaker 2: Order Kerney Whoalbury and a waddery woman. And before we

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Speaker 2: get started on She's on the Money podcast, I would

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Speaker 2: like to acknowledge the traditional custodians of the land of

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Speaker 2: which this podcast is recorded on a wondery country, acknowledging

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Speaker 2: the elders, the ancestors and the next generation coming through

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Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and

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Speaker 2: the storytelling of you to make a difference for today

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Speaker 2: and lasting impact for tomorrow.

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Speaker 3: Let's get into it.

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Speaker 4: She's on the Money. She's on the Money.

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Speaker 3: Hello, and welcome to She's on the Money podcast that

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Speaker 3: makes personal finance fun, especially on Fridays. It is our

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Speaker 3: favorite day of the week because we get to get

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Speaker 3: our team together and celebrate you our incredible She's on

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Speaker 3: the Money community today, MSUs Gorici is going to be

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Speaker 3: sharing her favorite money wins from the group. Beck is

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Speaker 3: going to be sharing her breake tips, and we're going

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Speaker 3: to be helping to answer our money dilemma, which this

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Speaker 3: week is all about if paying off debts should come first.

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Speaker 3: When you score a sweet bonus and something that you

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Speaker 3: slid into our dams about this week, we're talking whether

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Speaker 3: chasing up friends for a few dollars makes you petty

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Speaker 3: or practical, which I feel like is going to get

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Speaker 3: some divisive conversations going around the table. But before we

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Speaker 3: get there, I usually ask you how your weeks were.

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Speaker 3: But we've been chatting offline, and while we shouldn't read

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Speaker 3: our own reviews, we do. We do. We do, and

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Speaker 3: there have been some really beautiful ones. So each person

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Speaker 3: in the team has picked out their favorite five star

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Speaker 3: review and we're going to read it and share it

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Speaker 3: with each other because I feel like that's just spreading

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Speaker 3: good positivity and I just like the vibes. So Beck,

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Speaker 3: what are you bringing to the table.

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Speaker 1: This Obviously there were so many good ones and some that,

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Speaker 1: like you know, mentioned all this individually, and so I

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Speaker 1: just want as long as it something nice. I get

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Speaker 1: so anxious and then I'm like, i'll read it. I'll

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Speaker 1: be like, Okay, that's actually really nice that. So I

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Speaker 1: want those people to know that I really appreciate those.

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Speaker 1: But I did want to be selfish, So I'm going

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Speaker 1: to read one that's just a general one. This one's

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Speaker 1: from Paula. It says, such a beautifully thought out and

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Speaker 1: put together podcast, full of relatable, approachable content that is

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Speaker 1: highly valuable and smart. So nice.

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Speaker 3: I love it. Jess, what have you got?

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Speaker 5: Mind's a little bit longer?

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Speaker 3: It's from and it said, I've got a long one too. Perfect.

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Speaker 5: I've been a long time listener, but with periods of stopping,

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Speaker 5: and have absolutely loved the last year and the structure

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Speaker 5: of each week's podcasts. I'm now going back and listening

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Speaker 5: to those episodes I've missed. Victoria, Jess and Beck are

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Speaker 5: a great group of girls to listen to, and they

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Speaker 5: always have me laughing, very engaging, and the content is

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Speaker 5: always helpful or interesting. I'm so grateful that Victoria has

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Speaker 5: kept this podcast going. I wouldn't be in the position

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Speaker 5: I am today if it wasn't for the pod, especially

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Speaker 5: being brought up with no financial literacy.

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Speaker 3: Isn't that so sweet?

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Speaker 1: That's really what we do?

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Speaker 3: Yeah, ah, alright, this is so sweet. I like this

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Speaker 3: because I feel like we're setting ourselves up with like

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Speaker 3: such a little pep in our step. Yes, this is good.

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Speaker 3: This is good. So my favorite five star review is

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Speaker 3: from Liz Cox, and it's actually the reason why I

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Speaker 3: wanted to share some positivity, right, so she said, to

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Speaker 3: all the people who are making specific comments with those

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Speaker 3: star ratings, I think you're missing the fundamental point here.

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Speaker 3: I'm forty one and have learned more about finances and

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Speaker 3: investing in the past month with the help of this

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Speaker 3: podcast and a few others than I have in all

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Speaker 3: my years living, and the information has been invaluable. I

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Speaker 3: wish I had got this type of thing years ago.

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Speaker 3: This information is free, so informative and so useful.

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Speaker 1: Is so sweet, and thank you for sticking up for us,

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Speaker 1: because it is so funny when you're like, oh wow,

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Speaker 1: my personality has never been on blast like this before.

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Speaker 3: I can't change.

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Speaker 1: Can't change anything.

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Speaker 3: Actually, you're choosing to be here.

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Speaker 1: You're free, and we're just trying to help people learn.

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Speaker 3: I just really like talking about money. I really appreciate

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Speaker 3: someone was silly enough to consistently let me have a

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Speaker 3: platform to do that. And the fact that people still

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Speaker 3: listen blows my mind and I'm so grateful for it.

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Speaker 3: But overlaying all of that, the fact that women in

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Speaker 3: particular are changing their lives because of the content that

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Speaker 3: we create. I couldn't be more proud it's really beautiful.

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Speaker 3: Isn't that so cool? Keeping on the positive notes, Jess,

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Speaker 3: I want to know money wins and confessions from our

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Speaker 3: Facebook community. What have you got this week already?

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Speaker 5: Firstly, when I think we can all appreciate from Bailey Jean,

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Speaker 5: who said money win, I am a size seven women's shoe,

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Speaker 5: but I fit into a children's size six. Yeah. I

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Speaker 5: bought a set of Additor summers, which are obviously very

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Speaker 5: trendy right now on the weekend from the children's section

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Speaker 5: for one hundred and thirty dollars rather than paying the

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Speaker 5: full price women's which were one hundred and eighty.

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Speaker 3: Oh god, it's actually so smart. And there's sand Bears

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Speaker 3: that I want always out in the colorway that I want,

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Speaker 3: so I still do not own sand Bears. Please bring

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Speaker 3: back the beam pink. I don't know it's that one.

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Speaker 3: I don't know that's but I know that I will

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Speaker 3: like it. If it's like a fluo pink. It's they're

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Speaker 3: just really one's brook or Georgia has no Okay, the

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Speaker 3: team really likes we do.

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Speaker 4: We're all.

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Speaker 3: She's got the Neapolitan ones. George's got these like real beautiful,

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Speaker 3: like hot pink ones like to.

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Speaker 5: Google, I share a pick after Yes, thank you. Next,

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Speaker 5: I've got a money win from Grace, who said Medibank

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Speaker 5: gave me one hundred dollars for staying in customer during

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Speaker 5: the COVID period. Thanks many Bank, I know how nice

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Speaker 5: honey money went straight back into her bills account. So

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Speaker 5: ready to little circular economy there. Next, I've got a

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Speaker 5: money win from Mandy, who said she confronted her boss

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Speaker 5: and made sure she got the higher duty pay she

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Speaker 5: was entitled to. She said she worked in a male

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Speaker 5: dominated industry and the leading hand above her was going

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Speaker 5: on a holiday. Leading up to his leave, he tried

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Speaker 5: delegating his job out and writing out a schedule so

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Speaker 5: no one had to step into the role entirely to

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Speaker 5: be entitled to his pay. She took on the majority

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Speaker 5: of this stuff and the things that he said, oh,

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Speaker 5: don't worry about that. She also was going to have

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Speaker 5: to deal with if something went wrong. So after he

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Speaker 5: leaves the country, she spoke to her boss and.

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Speaker 3: You wait until he left the country.

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Speaker 5: Yeah, And her boss confirmed that she is effectively doing

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Speaker 5: that role. So she brought up the higher duty's clause

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Speaker 5: in her contract, and she agreed that she was entitled to.

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Speaker 3: The pay so money, we're sick a bit of a conic. Also,

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Speaker 3: I think it's so funny, Like it's not funny, but

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Speaker 3: it is funny, Like we just girls, Like I don't

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Speaker 3: want to be confrontational about this, but I also deserve

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Speaker 3: to get paid what I deserve to get paid. So

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Speaker 3: I am going to wait till you leave the country

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Speaker 3: and then I'm going to bring it up.

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Speaker 2: Yeah.

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Speaker 3: I also hate that when you drank the confrontation. Don't

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Speaker 3: like you had to do that, but you did.

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Speaker 1: Yeah, totally good for you.

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Speaker 5: So sneaky to be like, oh, I'm splitting it up

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Speaker 5: between everyone, so everyone has no work and no one

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Speaker 5: has more pay.

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Speaker 1: That's so dotty sneak.

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Speaker 5: Well done, Mandy, Really happy for you, queen. Next, I've

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Speaker 5: got a money win from Rachel, who said she got

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Speaker 5: a very nice bonus for referring a friend to a

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Speaker 5: lovely real estate agent who had previously helped sell her

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Speaker 5: family home. She connected her friends to the agent and

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Speaker 5: they then used them for something and they got a

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Speaker 5: couple hundred bucks in cash.

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Speaker 3: Thank you. She said she thought.

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Speaker 5: She'd maybe get like a bottle of wine or something,

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Speaker 5: and instead cha chin.

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Speaker 3: Okay, I love cash instead of wine. Yeah, oh yeah,

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Speaker 3: give me the way. Imagine he is a fifty dollars

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Speaker 3: crispy note back. This tastes much better than why.

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Speaker 1: Yeah, definitely, and you can buy twenty.

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Speaker 3: However, many bottles of goon, bottles of goon, bags of goon.

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Speaker 1: Bags of goon.

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Speaker 3: Baby. There you go.

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Speaker 5: Next, I've got money win from Caitlin who said she

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Speaker 5: just booked flights to Switzerland and I immediately ooh pricey,

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Speaker 5: but she said it was a third of the normal price.

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Speaker 5: They paid three thousand dollars in total for two people

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Speaker 5: return from Brisbane to Zurich, which is unbelievably cheap fifteen

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Speaker 5: hundred dollars return flight.

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Speaker 3: Then when you get there in burgers l fifty bucks seat,

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Speaker 3: she'll be like, why didn't I come just with I.

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Speaker 1: Wonder if it's like a crazy layover or something.

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Speaker 5: I don't know, but it was with Kata, she said,

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Speaker 5: if anybody should look it up for themselves, So there

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Speaker 5: you go.

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Speaker 3: I love that.

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Speaker 5: And then lastly, I just wanted.

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Speaker 3: To shout out.

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Speaker 5: We got a lot of good pet tax photos this week,

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Speaker 5: so definitely go to the thread, but shout out to

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Speaker 5: Alisha Sarah, Brooke, and Gabby who all included photos of

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Speaker 5: their pets, not just capts and dogs. We had chickens,

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Speaker 5: we had horsps. It's all happening on the thread this week.

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Speaker 5: Can go have a look and don't forget to leave

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Speaker 5: your money win there so I can have a look

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Speaker 5: and maybe.

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Speaker 1: Read yours out next week.

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Speaker 3: Yeah, we actually don't charge for our community. It's a

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Speaker 3: free community. You can join it obviously, look up She's

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Speaker 3: on the money on Facebook and join. But we do

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Speaker 3: ask for pet tax, and pet tax is payable in

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Speaker 3: the form of photos being posted in our group of

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Speaker 3: your pets.

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Speaker 1: If you don't drop pet, you take a photo of.

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Speaker 3: You can share other people's pets. You can share cute

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Speaker 3: pictures that you found on Instagram or Facebook. Literally wildlife,

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Speaker 3: like we don't care is it an animal? I mean,

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Speaker 3: you talk about the pet.

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Speaker 5: You've got a face to photo of the fet.

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Speaker 3: Like, they're the rules. They're the rules. Talk about a pet.

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Speaker 5: You got to post a photo of the pet.

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Speaker 3: Yeah, but they're the rules and we made them because

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Speaker 3: it's actually my group and I can do whatever I want. Well, exactly,

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Speaker 3: isn't that cool?

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Speaker 1: Exactly right?

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Speaker 3: This is what people do with adult decisions. Like, you know,

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Speaker 3: when people like what would you do with adult money?

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Speaker 3: Obviously I said, I wasn't going to ask you about

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Speaker 3: your weeks, but like, Jess, what did we do with

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Speaker 3: our adult money this week?

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Speaker 5: Well, we had a very fun team retreat this week,

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Speaker 5: which we did. We had a lot of fun. We

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Speaker 5: stayed at a really cute little hotel in the city,

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Speaker 5: which is really great.

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Speaker 3: Stayed at the Pullman, which was like bougie. It was

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Speaker 3: very There was a baf in room, Beck, a bath.

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Speaker 3: Ye you like hotel when there's a bath.

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Speaker 1: Yeah, yeah, And I did fill that bath with bubbles.

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Speaker 5: It was lovely.

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Speaker 3: Oh yeah, Like the bath wasn't in her room, so

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Speaker 3: she borrowed my room for a bath because obviously I'm

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Speaker 3: not going to just take the bath for myself.

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Speaker 5: No. It was incredible, but we in the midst of

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Speaker 5: our working day, we were a little bit brain dead,

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Speaker 5: and so we said.

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Speaker 1: You know what we should do?

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Speaker 3: Do you know what's going to make us feel better?

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Speaker 3: Guess Beck, what would make us feel better in the

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Speaker 3: middle of the day.

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Speaker 1: Well, I'm thinking like gyg or something like that.

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Speaker 3: Oh, I love a bigger, bigger It is also like

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Speaker 3: I mean food themed in a way.

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Speaker 1: Melbourne Royal Show Petting Farm so close we would do that.

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Speaker 1: We went to the aquarancy Pesto Pesto, which I don't

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Speaker 1: know who that is. I'm just going to say for

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Speaker 1: those who don't have so.

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Speaker 3: For those of you who don't know, Pesto Pesto is

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Speaker 3: a king penguin baby who was born in captivity the

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Speaker 3: Melbourne Aquarium. He is the biggest king penguin to have

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Speaker 3: been born in captivity in Australia. He's so shonky and

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Speaker 3: he's standing next to his mum, who looks half his size.

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Speaker 3: He's still got all of his baby feathers, so he

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Speaker 3: looks like brown and fluffy, not like a king penguin,

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Speaker 3: and he beck is the cutest thing you've seen in

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Speaker 3: your life. I just showed her the video that I took.

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Speaker 3: I actually got a photo with Pesto life made. We

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Speaker 3: posted it in our broadcast channel. So on Instagram, we

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Speaker 3: kind of have like a it's kind of like a

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Speaker 3: group chat for all of us, but like we just

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Speaker 3: post I guess behind the scenes content if she's on

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Speaker 3: the money, things that we're up to every day. We

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Speaker 3: post some polls if we've got questions, And I posted

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Speaker 3: my selfie with Pesto in the group because that's obviously

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Speaker 3: the content that you guys are here for. But of

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Speaker 3: course that's what you can do with adult money.

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Speaker 1: Yes, yeah, I love having adult money.

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Speaker 3: You can charge people pet tax, you can take your

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Speaker 3: team to go see Pesto the Penguin. Like life is good. Yeah,

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Speaker 3: it's great, but I mean getting a little stay ca

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Speaker 3: midweek not mad at me? Even better. We actually just

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Speaker 3: got back back. We stayed there last night, came to

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Speaker 3: the studio from thee.

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Speaker 1: I could feel a glow.

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Speaker 3: I feel really nice, slept very well, but like last night,

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Speaker 3: team got to go out. Just had a little watermelon cocktail.

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Speaker 1: I don't want to drink and I was like, as

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Speaker 1: she goes on the table, a few.

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Speaker 3: Would find pizzas and I was like, it doesn't even

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Speaker 3: feel like it's a midweek night. What is this?

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Speaker 1: But it does suck when you remind yourself by like

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Speaker 1: you're sitting there, you're having the best time. Then you

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Speaker 1: remind yourself you do have work tomorrow, and then you

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Speaker 1: feel that you're feeling your belly.

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Speaker 3: I'm going to have work. Yeah, we didn't want to leave.

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Speaker 3: We actually wanted to move in Alas. We can't afford

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Speaker 3: to live in hotels, so we just do it part

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Speaker 3: time break tips.

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Speaker 5: We could save up money to do it.

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Speaker 3: We absolutely could. I mean we didn't save up our

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Speaker 3: points and spent that. So that's yeah, yeah, brick tip.

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Speaker 3: It's actually a pretty good break tip. But Jess, let's

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Speaker 3: segue away from your money wins and into your broke tips.

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Speaker 3: If you got to bring to the table this week.

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Speaker 1: Okay, so I'm really loving the ones I have this week. Actually,

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Speaker 1: so the first one comes from a friend of mine,

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Speaker 1: not Jess, but actually I do have another friend one

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Speaker 1: other from Bianca, who says, if you keep the you

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Speaker 1: know those little pillows in your pill bottles that are like.

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Speaker 3: For moisture, oh, like the moisture.

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Speaker 1: Clothes and stuff.

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Speaker 3: Yeah, pillows.

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Speaker 1: So if you put those in like your bathroom drawers

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Speaker 1: or your makeup bags and stuff, it's the moisture something

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Speaker 1: something something happening.

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Speaker 3: That's a very helpful tips. The moisture getting into like

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Speaker 3: your makeup and like your undies and sock straw and stuff. Yes,

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Speaker 3: that's all moral and smart. I put them in my

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Speaker 3: cookie jars when I make cookies. Yes, because I like

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Speaker 3: a crispy cookie.

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Speaker 1: Oh that's actually a really good idea.

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Speaker 3: It broke tip for you.

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Speaker 1: That's great, and then things last longer.

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Speaker 3: Because the anchor and i'd get along.

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Speaker 1: Well, I actually do think, so I really think you'd

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Speaker 1: like this. Next one comes from Kylie, who sent me

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Speaker 1: a photo of an app. It's called half Price Coles

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Speaker 1: Woolwards like your plate store or whatever.

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Speaker 3: That is so perfect. Someone DMed me this week and said,

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Speaker 3: you need to share with your community this half price app.

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Speaker 1: Perfect.

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Speaker 3: I haven't had time to look into it, but you have.

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Speaker 3: Now it's a broke tip.

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Speaker 1: Now it's a broke tip.

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Speaker 3: So the app's called half Price.

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Speaker 1: It is basically get the latest half price specials from

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Speaker 1: Coals and wool Words for free. No catalogs need it,

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Speaker 1: even though I do love a catalog.

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Speaker 3: Yeah, but also there's an app. You don't have to

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Speaker 3: read the catalog. It pulls it all together for you.

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Speaker 1: Sure it is better for the environment, isn't it that?

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Speaker 3: Yeah?

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Speaker 1: You just like you jump on there. You check if

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Speaker 1: you want to do if you do a weekly grocery.

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Speaker 1: I'm really obviously you guys know what a bad with money,

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Speaker 1: So I do a daily grocery shop and it costs

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Speaker 1: a lot more money. But if you do do a

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Speaker 1: weekly shop, yeah, jump on there first and just see

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Speaker 1: what's on, see what's half price, and maybe you like

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Speaker 1: do a challenge. We just only get half price.

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Speaker 5: Thing I will not pay full price for like cleaning products,

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Speaker 5: laundry detergent pods, be scared, like because they all run

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Speaker 5: on a cycle, like every two to three weeks, they

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Speaker 5: all go to half price. So I will flat out

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Speaker 5: refuse to buy them full price because I know in

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Speaker 5: like two or three weeks that we half price.

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Speaker 1: That's I didn't know they ran on a cycle. Let's say,

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Speaker 1: too good information.

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Speaker 5: Yeah, there's a guy on TikTok who there's a he

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Speaker 5: made a plugin I think that goes on your Corome browser. Yeah,

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Speaker 5: so it sharks it like and you can literally see

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Speaker 5: some products like one week it's thirty dollars and the

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Speaker 5: next week it's fifteen, and it just alternates weeks.

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Speaker 3: Oh, this is something that really makes me quite angry. Actually,

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Speaker 3: I wrote an article on Sunday. I write every Sunday

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Speaker 3: for The Age and the Sydney Morning Herald. It is

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Speaker 3: probably the coolest thing about my career at this point, like,

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Speaker 3: I have a weekly money column, be for real, and

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Speaker 3: I have complete control over what I publish, which is

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Speaker 3: very very cool.

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Speaker 1: But this week dangerous.

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Speaker 5: Yeah.

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Speaker 3: But this week I talked about how the A Triple

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Speaker 3: C is taking action against coals and bullies essentially for

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Speaker 3: price gouging. And I have been really fired up about

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Speaker 3: this for a long time because that guy on TikTok

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Speaker 3: Jess he shows that, you know, the prices go up

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Speaker 3: and the prices go down, but if he goes back

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Speaker 3: a little bit further, like he used Oreos as an

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Speaker 3: example in one of his videos, and he showed that,

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Speaker 3: you know, this week, they were like five dollars a packet,

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Speaker 3: and then they were on sale for like three dollars

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Speaker 3: a packet, which Becky might go, that's a pretty good deal.

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Speaker 3: But then he goes back further and he goes, well, actually,

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Speaker 3: six months ago, three dollars was the full price, and

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Speaker 3: they would go on sale for two fifty and for

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Speaker 3: a dollar. It's crazy. Yeah, Like and all of that

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Speaker 3: is fine, but you just look at it and go

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Speaker 3: hold on. Your actually being quite manipulative here, trying to

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Speaker 3: convince me that three dollars is a good deal for

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Speaker 3: this item when historically it was more and obviously oreos.

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Speaker 3: From my perspective, they are an essential purchase to me,

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Speaker 3: like they are actually a luxury purchase. But this is

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Speaker 3: happening on bread and milk and all of the things

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Speaker 3: that we can't control. And obviously I follow the news

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Speaker 3: quite closely. But Albo our mate Anthony Albanezi, who is

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Speaker 3: our Prime minister, posted this week and said have you

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Speaker 3: ever done a double take on the specials tag? He said,

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Speaker 3: it's not good enough. That's why he's beefing up the

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Speaker 3: a Triple Sea with more funding to take on misleading

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Speaker 3: and deceptive pricing, which is I think a really good thing.

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Speaker 3: Like this isn't a political statement at all either, Like

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Speaker 3: I'm just sharing that our current government is doing something

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Speaker 3: about it, and that's what we love to see here,

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00:16:55,240 --> 00:16:59,960
Speaker 3: not a political conversation. And they've introduced new mandatory food

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Speaker 3: and Grocery Code which means that supermarkets will face huge

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Speaker 3: multimillion dollar fines for doing the wrong thing. I think

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Speaker 3: that is a very good step in a very correct

389
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Speaker 3: direction when it comes to you know, obviously times are tough,

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00:17:15,359 --> 00:17:18,240
Speaker 3: Inflation is really hard, the cost of goods and services

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00:17:18,280 --> 00:17:22,000
Speaker 3: are going to increase, but people taking advantage of us

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Speaker 3: during that period of time unacceptable.

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Speaker 1: Totally totally agree.

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Speaker 3: Yeah, totally, so good money went back. Thank you. Sorry

395
00:17:29,960 --> 00:17:32,280
Speaker 3: for the side. No, it just had some information that

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Speaker 3: I wanted to share because this is now a news podcast.

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Speaker 1: Please, No, I'm very grateful for all information is good information.

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Speaker 3: So tell me what's your broke tip.

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Speaker 1: So Jess always has a way of accidentally perfectly segueing,

400
00:17:45,119 --> 00:17:47,160
Speaker 1: because you did say something about plugging before. I really,

401
00:17:47,240 --> 00:17:50,080
Speaker 1: I'm really clutching its straws here, but you say that's perfect,

402
00:17:50,280 --> 00:17:51,760
Speaker 1: something about plugging from DS.

403
00:17:52,960 --> 00:17:54,240
Speaker 3: You've got to plug in for us.

404
00:17:54,440 --> 00:17:56,840
Speaker 1: Yes, So I was buying you know Millie Savage. You

405
00:17:56,840 --> 00:17:58,040
Speaker 1: went to school with Millie Savage.

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00:17:58,080 --> 00:17:59,400
Speaker 3: I love Millie Savage.

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00:17:59,520 --> 00:18:01,119
Speaker 1: Yeah, And I was so I was online. I was

408
00:18:01,119 --> 00:18:04,080
Speaker 1: buying some really savage stuff because it's it's my partner's

409
00:18:04,080 --> 00:18:07,080
Speaker 1: birthy and soon, and I was just like, I was

410
00:18:07,119 --> 00:18:09,119
Speaker 1: just getting early. She was also having a sale. But anyway,

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00:18:09,160 --> 00:18:10,720
Speaker 1: so there was a sale on and then also I

412
00:18:10,720 --> 00:18:13,960
Speaker 1: went to the checkout and I totally forgot I had

413
00:18:13,960 --> 00:18:16,720
Speaker 1: this the few plugins, a few extensions in my chrome,

414
00:18:17,280 --> 00:18:21,560
Speaker 1: and miraculously without doing literally anything, an extra fifty dollars

415
00:18:21,680 --> 00:18:22,359
Speaker 1: was taken off the pie.

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Speaker 3: I'm sorry, what so this extension gave you fifty bucks

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00:18:26,040 --> 00:18:27,800
Speaker 3: off and did it for you and you didn't even

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Speaker 3: have to, like I did the discount.

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Speaker 1: I don't remember doing anything. I came up and what's

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00:18:32,720 --> 00:18:36,440
Speaker 1: the extension? So there is Honey, there's also Pouch and

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00:18:36,560 --> 00:18:42,080
Speaker 1: coopert all of them on Running Broke.

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Speaker 3: Tip, have all of the extensions. Don't just limit yourself

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Speaker 3: to one, all of them.

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Speaker 1: It's like you know, and also make sure you're not

425
00:18:47,640 --> 00:18:50,040
Speaker 1: downloading viruses, but like just just google them and then

426
00:18:50,040 --> 00:18:50,880
Speaker 1: download all of them.

427
00:18:50,920 --> 00:18:53,040
Speaker 3: Download legitimate ones. We know that Honey is legit. We

428
00:18:53,119 --> 00:18:55,919
Speaker 3: know shot back cash rewards all of those, Like you

429
00:18:56,000 --> 00:18:58,879
Speaker 3: don't have to be monogamous when it comes to astly

430
00:18:59,320 --> 00:19:01,520
Speaker 3: cash back absolutely with everybody.

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Speaker 5: Yeah, those things are really good because they often will

432
00:19:03,280 --> 00:19:05,760
Speaker 5: automatically when you get to like your checkout, you'll just

433
00:19:05,760 --> 00:19:08,600
Speaker 5: like run it for you. And so I've used I

434
00:19:08,600 --> 00:19:10,040
Speaker 5: don't know, I haven't used other ones, but I've used

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00:19:10,040 --> 00:19:12,760
Speaker 5: Honey before and I know that it'll like automatically plug

436
00:19:12,760 --> 00:19:14,720
Speaker 5: in and try like a bunch of discount codes any

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00:19:14,800 --> 00:19:17,120
Speaker 5: that has on file, and like I love that so

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00:19:17,160 --> 00:19:19,160
Speaker 5: it's I literally feel like you know in.

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00:19:19,160 --> 00:19:21,359
Speaker 3: A way, yeah, because it does it.

440
00:19:21,440 --> 00:19:23,200
Speaker 5: It's like in a movie when someone's like used to

441
00:19:23,400 --> 00:19:27,400
Speaker 5: hacking something, because literally it just is running through coupon codes.

442
00:19:27,400 --> 00:19:30,119
Speaker 5: It'll be like try Happy New Year, happy Birthday, I

443
00:19:30,160 --> 00:19:33,720
Speaker 5: miss you ten like yeah, runs through any of that.

444
00:19:34,000 --> 00:19:37,440
Speaker 3: That's what I do and check out, honey, the better

445
00:19:37,520 --> 00:19:40,080
Speaker 3: version of me quite possible.

446
00:19:41,280 --> 00:19:43,520
Speaker 1: Could replace you. It's kind of anxiety inducing though you're

447
00:19:43,520 --> 00:19:46,359
Speaker 1: like waiting your home. It's going to work, but it

448
00:19:46,400 --> 00:19:48,040
Speaker 1: is good to just have. So that's fine.

449
00:19:48,080 --> 00:19:51,240
Speaker 3: I love that. So we've got some discounts from Beck,

450
00:19:51,480 --> 00:19:54,399
Speaker 3: We've got some money wins from Jess, we had some

451
00:19:54,480 --> 00:19:57,400
Speaker 3: cute five star reviews. Let's go to a really quick

452
00:19:57,440 --> 00:19:59,119
Speaker 3: break because on the flip side, we're going to be

453
00:19:59,160 --> 00:20:00,920
Speaker 3: talking about if paying a if your debt should come

454
00:20:01,080 --> 00:20:03,760
Speaker 3: first when you score a sweet bonus, and we're going

455
00:20:03,800 --> 00:20:06,600
Speaker 3: to be getting into something juicier about whether chasing up

456
00:20:06,600 --> 00:20:08,800
Speaker 3: your mate for a couple of dollars is petty or

457
00:20:08,840 --> 00:20:11,080
Speaker 3: really practical. So don't go anywhere.

458
00:20:15,280 --> 00:20:20,000
Speaker 1: Welcome back everyone. Let's take a listen to the money dilemma.

459
00:20:20,200 --> 00:20:22,119
Speaker 3: Hi, there, have you got a money dilemma?

460
00:20:22,200 --> 00:20:24,639
Speaker 6: You just can't solve the Sheese on The Money Team

461
00:20:24,800 --> 00:20:27,840
Speaker 6: is here to help. Every week, we tackle your dilemmas,

462
00:20:27,880 --> 00:20:30,639
Speaker 6: both big and small, to answer your most burning money,

463
00:20:30,680 --> 00:20:33,760
Speaker 6: career and life questions. To get involved, simply head to

464
00:20:33,800 --> 00:20:36,159
Speaker 6: our website and leave us a short voice recording and

465
00:20:36,200 --> 00:20:38,880
Speaker 6: you might just find yourself on the show. Now, let's

466
00:20:38,880 --> 00:20:40,960
Speaker 6: take a listen to this week's money dilemma.

467
00:20:44,000 --> 00:20:47,399
Speaker 7: Hi team, Firstly, you love the pod. I'm single, in

468
00:20:47,480 --> 00:20:51,720
Speaker 7: my thirties and have a really good income. I am

469
00:20:51,760 --> 00:20:56,280
Speaker 7: set to receive a seventeen thousand dollars bonus, which is amazing.

470
00:20:56,760 --> 00:20:58,760
Speaker 7: This is the gross amount and I'm due to get

471
00:20:58,760 --> 00:21:02,679
Speaker 7: it in the next couple of weeks. I'm extremely lucky

472
00:21:02,800 --> 00:21:05,840
Speaker 7: to receive this, but I just wanted some advice on

473
00:21:05,920 --> 00:21:09,240
Speaker 7: how to use it. I want to do some renaults

474
00:21:09,280 --> 00:21:11,040
Speaker 7: on my house and I've wanted to do it for

475
00:21:11,040 --> 00:21:13,440
Speaker 7: a while now, but I also have eleven thousand dollars

476
00:21:13,520 --> 00:21:18,920
Speaker 7: worth of debt and this is not included in my mortgage. Obviously.

477
00:21:19,560 --> 00:21:23,240
Speaker 7: This debt is from past bad decisions, a personal loan

478
00:21:23,320 --> 00:21:26,520
Speaker 7: that has for one thousand dollars left. That was eighteen thousand,

479
00:21:27,040 --> 00:21:29,840
Speaker 7: and the rest is on an interest free credit card

480
00:21:30,240 --> 00:21:34,160
Speaker 7: for trouble. I'd love some advice on how I should

481
00:21:34,240 --> 00:21:38,320
Speaker 7: manage this. Obviously a big sum of money the renovations

482
00:21:38,720 --> 00:21:41,560
Speaker 7: I really want to do, but I know that having

483
00:21:41,600 --> 00:21:43,879
Speaker 7: this debt gone would make a huge difference.

484
00:21:44,359 --> 00:21:48,880
Speaker 3: Thanks, Okay, I have an answer that I don't want

485
00:21:48,920 --> 00:21:51,600
Speaker 3: to go first, So Beck, what would you do? Okay?

486
00:21:51,640 --> 00:21:53,840
Speaker 3: So first of all, Beckui's like I would just go

487
00:21:53,880 --> 00:21:54,440
Speaker 3: on a holiday.

488
00:21:54,680 --> 00:21:58,560
Speaker 1: Yeah, seriously, I would not be doing responsible things with

489
00:21:58,600 --> 00:22:00,480
Speaker 1: that money, but that's cool. I just want to say,

490
00:22:00,480 --> 00:22:04,159
Speaker 1: like paying down that debt eighteen thousand dollars like on

491
00:22:04,200 --> 00:22:06,280
Speaker 1: a personal loan tune, which I assume is like quite

492
00:22:06,359 --> 00:22:09,480
Speaker 1: high interest, Like, that's incredible, so very very well done. Personally,

493
00:22:09,560 --> 00:22:11,080
Speaker 1: I don't know, it's probably not the right thing to do,

494
00:22:11,240 --> 00:22:12,919
Speaker 1: but I would just pay the four thousand from the

495
00:22:12,920 --> 00:22:15,160
Speaker 1: personal loans that just like wipe that out of the way,

496
00:22:15,359 --> 00:22:17,479
Speaker 1: and then slowly pay off the interestry credit card at

497
00:22:17,480 --> 00:22:21,800
Speaker 1: your leisure and then you want to do redo's you

498
00:22:21,840 --> 00:22:24,640
Speaker 1: want to do things like that, I would probably see

499
00:22:24,680 --> 00:22:27,080
Speaker 1: how much that costs, maybe put a little bit aside

500
00:22:27,080 --> 00:22:29,320
Speaker 1: for that and see if there was like you know, say,

501
00:22:29,320 --> 00:22:31,080
Speaker 1: for example, you want to like do your whole bathroom,

502
00:22:31,119 --> 00:22:33,240
Speaker 1: be like, oh, I would feel good right now if

503
00:22:33,280 --> 00:22:35,399
Speaker 1: maybe just the walls were painted and then do the

504
00:22:35,440 --> 00:22:37,280
Speaker 1: rest later. Like I would probably just find a way

505
00:22:37,320 --> 00:22:40,159
Speaker 1: to do as much as they could with that money,

506
00:22:40,320 --> 00:22:44,240
Speaker 1: the remaining money, and then honestly treat myself with the rest.

507
00:22:44,359 --> 00:22:44,880
Speaker 1: I love that.

508
00:22:45,000 --> 00:22:47,520
Speaker 3: I love that, and I think that working. You said

509
00:22:47,520 --> 00:22:50,800
Speaker 3: something really good about the renovation. It's like, for example,

510
00:22:50,920 --> 00:22:53,800
Speaker 3: I'm about to renovate my bathrooms and like I had

511
00:22:53,840 --> 00:22:56,159
Speaker 3: no idea what that would cost. So like have I

512
00:22:56,160 --> 00:22:59,360
Speaker 3: renovated before, Yes, But like every single time you renovate,

513
00:22:59,440 --> 00:23:01,840
Speaker 3: it's going to be a different amount because there might

514
00:23:01,880 --> 00:23:05,439
Speaker 3: be different like facilities. So for example, in the first

515
00:23:05,480 --> 00:23:09,640
Speaker 3: house that I renovated, everything was brick, so like all

516
00:23:09,720 --> 00:23:12,840
Speaker 3: the walls were brick, which meant that moving things took

517
00:23:12,840 --> 00:23:15,080
Speaker 3: a lot of time, a lot of energy, really hard.

518
00:23:15,359 --> 00:23:17,960
Speaker 3: We are now renovating in a house that is basically

519
00:23:18,359 --> 00:23:20,959
Speaker 3: it's like a shack, it's like a beach house, and

520
00:23:21,160 --> 00:23:23,679
Speaker 3: it's got the thinnest walls in the entire world. Like

521
00:23:23,720 --> 00:23:25,200
Speaker 3: some of the walls don't even go all the way

522
00:23:25,200 --> 00:23:27,960
Speaker 3: to the roof, so like removing them or changing and

523
00:23:28,359 --> 00:23:32,119
Speaker 3: super easy, So much less of a cost. However, I

524
00:23:32,200 --> 00:23:34,520
Speaker 3: actually went into Reese Plumbing the other day because they

525
00:23:34,560 --> 00:23:38,000
Speaker 3: like do like that free consult thing, and they were

526
00:23:38,080 --> 00:23:40,640
Speaker 3: explaining that with the design that I had drawn arm

527
00:23:41,040 --> 00:23:43,880
Speaker 3: there are going to be some hidden costs because moving

528
00:23:44,000 --> 00:23:45,679
Speaker 3: like the toilet to where I want to move it

529
00:23:45,720 --> 00:23:48,359
Speaker 3: to is going to be a bit more expensive than

530
00:23:48,400 --> 00:23:50,560
Speaker 3: I'd anticipated because I didn't realize that, like moving the

531
00:23:50,640 --> 00:23:53,680
Speaker 3: plumbing was like something that was so much more expensive.

532
00:23:53,840 --> 00:23:56,840
Speaker 3: And that's fine. But your idea of going and getting

533
00:23:56,840 --> 00:23:59,320
Speaker 3: a budget and understanding what it might cost for you

534
00:23:59,480 --> 00:24:01,919
Speaker 3: is really good because you could google it, but like

535
00:24:01,960 --> 00:24:04,320
Speaker 3: that's not going to give you insight. Like I've seen

536
00:24:04,320 --> 00:24:06,840
Speaker 3: online people who renovated their budget for two grand and

537
00:24:06,880 --> 00:24:09,760
Speaker 3: then people who spent fifty thousand dollars and you just yeah,

538
00:24:09,800 --> 00:24:12,400
Speaker 3: never know, right, But I think that's good advice. Jess,

539
00:24:12,400 --> 00:24:13,080
Speaker 3: what would you do?

540
00:24:13,400 --> 00:24:16,679
Speaker 5: I think an important part she said that a lot

541
00:24:16,720 --> 00:24:19,120
Speaker 5: of her debt that she has is from bad past decisions,

542
00:24:19,160 --> 00:24:21,440
Speaker 5: and someone who's also been there, I think an important

543
00:24:21,440 --> 00:24:24,040
Speaker 5: part of like moving out of that phase of your

544
00:24:24,160 --> 00:24:27,840
Speaker 5: life is learning to make sacrifice, because I think it

545
00:24:27,880 --> 00:24:31,159
Speaker 5: really helps you then go what is the cost of

546
00:24:31,200 --> 00:24:32,680
Speaker 5: the things that I did. So, like if I've spent

547
00:24:32,720 --> 00:24:34,480
Speaker 5: all this money put it on a credit card and

548
00:24:34,560 --> 00:24:36,399
Speaker 5: it wasn't a necessity, Like you went on a holiday,

549
00:24:36,400 --> 00:24:38,200
Speaker 5: and maybe you couldn't fall the holidays you put on the card.

550
00:24:38,480 --> 00:24:41,080
Speaker 5: I think an important part of like growing out of

551
00:24:41,320 --> 00:24:45,200
Speaker 5: that habit or that phase is going okay. Well, because

552
00:24:45,240 --> 00:24:48,080
Speaker 5: I did that, I now need to make sacrifice. So

553
00:24:48,200 --> 00:24:52,240
Speaker 5: to me personally, it feels important to pay that debt down,

554
00:24:52,960 --> 00:24:55,119
Speaker 5: even the interest free debt, as much as you're not

555
00:24:55,440 --> 00:24:57,600
Speaker 5: like you're totally right back, like you're a bad debt. Yeah,

556
00:24:57,640 --> 00:24:59,760
Speaker 5: from a financial perspective, like you're not losing money to

557
00:24:59,800 --> 00:25:02,639
Speaker 5: inter on that, I agree, the personal loan is definitely

558
00:25:02,720 --> 00:25:05,040
Speaker 5: the more pressing priority that I would say has to

559
00:25:05,080 --> 00:25:07,679
Speaker 5: be paid off. But I think like learning to go, oh, well,

560
00:25:07,680 --> 00:25:10,240
Speaker 5: I really want to renovate my bathroom, but I still

561
00:25:10,280 --> 00:25:12,359
Speaker 5: need to make up for the money that I've spent.

562
00:25:12,920 --> 00:25:15,120
Speaker 5: And I think that it would be a really good

563
00:25:15,119 --> 00:25:17,439
Speaker 5: way to kind of help teach yourself good financial habits

564
00:25:17,440 --> 00:25:19,280
Speaker 5: to go okay, Like, as much as I want that thing,

565
00:25:19,720 --> 00:25:22,760
Speaker 5: knowing that I've earned this great sum of money, using

566
00:25:22,760 --> 00:25:25,440
Speaker 5: that to pay down my debt is the more financially

567
00:25:25,520 --> 00:25:28,840
Speaker 5: responsible choice from my perspective, and I think that doing

568
00:25:28,880 --> 00:25:31,399
Speaker 5: that will really help solidify you into good habits, or

569
00:25:31,400 --> 00:25:34,159
Speaker 5: at least that was my personal experience. Like from a

570
00:25:34,160 --> 00:25:37,000
Speaker 5: financial perspective, you know, the interest free card is maybe

571
00:25:37,000 --> 00:25:38,159
Speaker 5: not the worst thing in the world, and maybe you

572
00:25:38,160 --> 00:25:40,800
Speaker 5: could split the money up and that would also work

573
00:25:40,880 --> 00:25:44,080
Speaker 5: really well. But I mean, just speaking on what worked

574
00:25:44,080 --> 00:25:46,439
Speaker 5: for me, I think maybe learning to go okay, Like

575
00:25:46,520 --> 00:25:48,199
Speaker 5: I want to close that chapter of my life of

576
00:25:48,240 --> 00:25:51,399
Speaker 5: bad spending, and you know, make the choice that is

577
00:25:51,440 --> 00:25:54,400
Speaker 5: maybe not the fun choice, not the exciting choice, but

578
00:25:54,440 --> 00:25:58,280
Speaker 5: the one that will put me in the strongest foundational

579
00:25:58,320 --> 00:26:01,920
Speaker 5: position is probably I would suggest. But I mean, you

580
00:26:01,960 --> 00:26:03,080
Speaker 5: could do it whatever you want.

581
00:26:03,240 --> 00:26:06,760
Speaker 3: So obviously there are two different opinions, and that is

582
00:26:06,840 --> 00:26:09,320
Speaker 3: great because we all do what's in line with our

583
00:26:09,359 --> 00:26:11,320
Speaker 3: own values. And I don't know her values. But if

584
00:26:11,400 --> 00:26:14,440
Speaker 3: I was in this position, I would actually step back.

585
00:26:14,480 --> 00:26:16,879
Speaker 3: I know, I've got seventeen thousand dollars. First thing I

586
00:26:16,920 --> 00:26:20,040
Speaker 3: would do is actually go and work out what my

587
00:26:20,119 --> 00:26:22,439
Speaker 3: renovations are going to cost so that I can create

588
00:26:22,480 --> 00:26:25,040
Speaker 3: myself a little budget. Then what I'm going to do,

589
00:26:25,280 --> 00:26:27,560
Speaker 3: I'm going to trot down to Zella money. You need

590
00:26:27,600 --> 00:26:30,359
Speaker 3: a good mortgage broker. A mortgage broker is going to

591
00:26:30,400 --> 00:26:33,199
Speaker 3: sit you down and help you structure your debt. And

592
00:26:33,280 --> 00:26:34,960
Speaker 3: I don't think a lot of people know that we

593
00:26:35,119 --> 00:26:38,359
Speaker 3: do this. So you've got seventeen thousand dollars in cash,

594
00:26:38,400 --> 00:26:41,359
Speaker 3: that's fantastic. There is heaps of things you could do.

595
00:26:41,400 --> 00:26:43,359
Speaker 3: You could go on a holiday, you could pay it

596
00:26:43,400 --> 00:26:45,640
Speaker 3: all off your mortgage, you could pay off your personal debt.

597
00:26:45,680 --> 00:26:47,760
Speaker 3: You could spend all of that money on a renovation.

598
00:26:48,240 --> 00:26:49,919
Speaker 3: But what I want you to do is sit down

599
00:26:49,960 --> 00:26:52,080
Speaker 3: with a mortgage broker who can look at your mortgage

600
00:26:52,280 --> 00:26:55,760
Speaker 3: and go, okay, cool, do you have any equity? What

601
00:26:56,000 --> 00:26:58,639
Speaker 3: would that look like potentially to release some of that

602
00:26:58,720 --> 00:27:03,720
Speaker 3: equity to spend your renovations. Chatting with a broker to say, hey, beck,

603
00:27:03,920 --> 00:27:06,640
Speaker 3: I know that you've bought this apartment and you want

604
00:27:06,680 --> 00:27:09,960
Speaker 3: to do renovations, but what's the long term plan? Are

605
00:27:10,040 --> 00:27:13,120
Speaker 3: you moving out of this in six months? And you go, yeah, well,

606
00:27:13,160 --> 00:27:14,639
Speaker 3: I only bought it so that I could get the

607
00:27:14,680 --> 00:27:17,680
Speaker 3: first homeowners grants and now I want to move out

608
00:27:17,720 --> 00:27:19,280
Speaker 3: because you know, it's not even in the suburb that

609
00:27:19,320 --> 00:27:20,960
Speaker 3: I want to live. In like, I'm just making up

610
00:27:21,000 --> 00:27:25,480
Speaker 3: a situation, right, and your broker could actually say, well, actually,

611
00:27:25,640 --> 00:27:29,120
Speaker 3: let's step back and look at rental yield in the area. Well, Beck,

612
00:27:30,040 --> 00:27:32,240
Speaker 3: I know you want a new kitchen, and that sounds great,

613
00:27:32,400 --> 00:27:34,880
Speaker 3: Saw Victoria do her Kerboodle kitchen look to the elite,

614
00:27:35,440 --> 00:27:38,240
Speaker 3: but it doesn't actually add any value to you leasing

615
00:27:38,240 --> 00:27:40,720
Speaker 3: out your property. So you know, spending ten grand on

616
00:27:40,720 --> 00:27:43,480
Speaker 3: the kitchen is probably not actually a good investment because

617
00:27:43,880 --> 00:27:46,720
Speaker 3: your kitchen's fine. Maybe aesthetically you don't like it, but

618
00:27:47,520 --> 00:27:49,600
Speaker 3: they're going to be able to give you some ideas

619
00:27:49,640 --> 00:27:52,359
Speaker 3: and some insight as to whether the decisions you're making

620
00:27:52,400 --> 00:27:55,680
Speaker 3: around renovation are going to add to value or over

621
00:27:55,720 --> 00:27:58,840
Speaker 3: capitalize the property, which is a really important factor to

622
00:27:58,880 --> 00:28:02,360
Speaker 3: take into consideration when doing renovations, because you don't want

623
00:28:02,400 --> 00:28:04,800
Speaker 3: to go all right, well I bought my apartment for

624
00:28:04,840 --> 00:28:07,560
Speaker 3: five hundred thousand dollars and then oh, it's not the

625
00:28:07,640 --> 00:28:09,920
Speaker 3: right kitchen and not the right bathrooms, and I'm not

626
00:28:09,960 --> 00:28:11,520
Speaker 3: going to leave here forever, but I'm going to spend

627
00:28:11,520 --> 00:28:13,919
Speaker 3: some money on it, and then you actually ultimately have

628
00:28:14,000 --> 00:28:15,760
Speaker 3: put more money into this property than what you would

629
00:28:15,760 --> 00:28:18,359
Speaker 3: get back if you sold it. Is not putting you

630
00:28:18,440 --> 00:28:21,080
Speaker 3: and future you in the best possible position. Obviously that

631
00:28:21,160 --> 00:28:24,479
Speaker 3: is not necessarily the reality of her situation. But what

632
00:28:24,520 --> 00:28:26,360
Speaker 3: I want you to get from this is that talking

633
00:28:26,359 --> 00:28:28,920
Speaker 3: to a mortgage broker is going to put you in control.

634
00:28:29,280 --> 00:28:31,320
Speaker 3: That mortgage broker can then sit you down and have

635
00:28:31,359 --> 00:28:34,120
Speaker 3: a look at your debt. So one thing a mortgage

636
00:28:34,119 --> 00:28:36,640
Speaker 3: broker can do as well is take that interest free

637
00:28:36,640 --> 00:28:39,600
Speaker 3: loan and maybe consolidate it with your mortgage. They could

638
00:28:39,640 --> 00:28:43,120
Speaker 3: also advise you to pay it off from your seventeen

639
00:28:43,160 --> 00:28:46,640
Speaker 3: thousand dollars worth of cash. I definitely think that that

640
00:28:47,080 --> 00:28:50,200
Speaker 3: high interest four thousand dollar loan should be knocked on

641
00:28:50,240 --> 00:28:54,440
Speaker 3: the head pretty quickly. But again there's so many moving parts.

642
00:28:54,440 --> 00:28:56,680
Speaker 3: But what I would be doing is getting some advice.

643
00:28:56,880 --> 00:28:58,760
Speaker 3: And the money in here is that talking to a

644
00:28:58,800 --> 00:29:01,160
Speaker 3: mortgage broker most of the time, and I know in

645
00:29:01,200 --> 00:29:03,640
Speaker 3: my business it is. It's free. So like you're not

646
00:29:03,680 --> 00:29:06,040
Speaker 3: going to pay to go to Zella money. Some mortgage

647
00:29:06,040 --> 00:29:09,400
Speaker 3: brokers do charge. That's not necessarily a bad thing, it's

648
00:29:09,480 --> 00:29:12,479
Speaker 3: just that's their choice. I just don't. And the reason

649
00:29:12,600 --> 00:29:16,200
Speaker 3: I don't charge for appointments is because I know that

650
00:29:16,680 --> 00:29:18,960
Speaker 3: I will be paid by the bank for settling your loan,

651
00:29:19,000 --> 00:29:21,000
Speaker 3: and I don't want to double dip. I just doesn't

652
00:29:21,000 --> 00:29:24,080
Speaker 3: see it right with me, And that's fine, but that's

653
00:29:24,120 --> 00:29:25,880
Speaker 3: probably where I would go with that.

654
00:29:26,800 --> 00:29:28,360
Speaker 1: Okay, I like it. I like it.

655
00:29:28,520 --> 00:29:32,680
Speaker 3: Just get advice, Like, if you've got these experts at

656
00:29:32,680 --> 00:29:36,120
Speaker 3: your disposal, why are we not using them? Absolutely, Like,

657
00:29:36,160 --> 00:29:38,320
Speaker 3: I know that you're trying to do the absolute right thing,

658
00:29:38,640 --> 00:29:41,680
Speaker 3: and that's so exciting, but like zoom out of it.

659
00:29:41,760 --> 00:29:43,640
Speaker 3: Be like, oh, I could talk to a mortgage broker,

660
00:29:43,720 --> 00:29:45,600
Speaker 3: you know what, they might even be able to refinance

661
00:29:45,640 --> 00:29:48,239
Speaker 3: your loan, like and get you a lower interest rate,

662
00:29:48,280 --> 00:29:49,840
Speaker 3: and across the board, you'd be able to pay off

663
00:29:49,880 --> 00:29:51,880
Speaker 3: your mortgage quicker and you'd be in an even better

664
00:29:51,920 --> 00:29:57,360
Speaker 3: financial position. So true sexy. All right, let's get into

665
00:29:57,400 --> 00:29:59,800
Speaker 3: something a little bit sparky. Are you ready? Are you ready?

666
00:30:00,400 --> 00:30:02,880
Speaker 3: So this week we got a DM and it sounded

667
00:30:03,040 --> 00:30:06,080
Speaker 3: exactly like this, heyshi's on the money. I've been labeled

668
00:30:06,160 --> 00:30:08,440
Speaker 3: the tight us in my group, so I need some

669
00:30:08,520 --> 00:30:11,360
Speaker 3: advice fairpoint with the right people to come to.

670
00:30:11,520 --> 00:30:12,160
Speaker 1: Absolutely.

671
00:30:12,440 --> 00:30:14,640
Speaker 3: The other night, eight of us went bowling and had

672
00:30:14,680 --> 00:30:17,280
Speaker 3: food and drinks, etc. I paid the entire bill to

673
00:30:17,320 --> 00:30:20,640
Speaker 3: make it easier, and one of the girls calculated everyone's share.

674
00:30:21,200 --> 00:30:23,880
Speaker 3: Then everyone transferred me their bit. The next day, I

675
00:30:23,920 --> 00:30:26,080
Speaker 3: was checking my bank, as you do, and I noticed

676
00:30:26,080 --> 00:30:30,200
Speaker 3: I was four dollars and twenty five percent short per person.

677
00:30:30,760 --> 00:30:32,840
Speaker 3: I know it's small, but across eight people that's like

678
00:30:32,920 --> 00:30:36,880
Speaker 3: thirty four dollars, which is not nothing. So I mentioned

679
00:30:36,880 --> 00:30:39,480
Speaker 3: it to the group super casually, not thinking it would

680
00:30:39,480 --> 00:30:41,800
Speaker 3: be a big deal. Well, now the girls are calling

681
00:30:41,880 --> 00:30:44,960
Speaker 3: me the receipt police and making jokes about me double

682
00:30:45,040 --> 00:30:48,680
Speaker 3: checking every cent. They've even sent memes to the group chat.

683
00:30:49,040 --> 00:30:51,240
Speaker 3: I honestly didn't think that four dollars twenty five was

684
00:30:51,240 --> 00:30:53,200
Speaker 3: a big deal. I was just cleaning up. But it's

685
00:30:53,240 --> 00:30:56,320
Speaker 3: still my money. Right now, I'm feeling like the villain

686
00:30:56,360 --> 00:30:59,280
Speaker 3: for bringing it up. Was I being too petty or

687
00:30:59,480 --> 00:31:01,480
Speaker 3: was I right to ask for the full amount to

688
00:31:01,480 --> 00:31:04,000
Speaker 3: be fixed up? And how do I stop the teasing

689
00:31:04,040 --> 00:31:05,440
Speaker 3: without making it more awkward?

690
00:31:05,880 --> 00:31:11,120
Speaker 5: Oh my god, I'm so sorry that they're doing you mean,

691
00:31:11,920 --> 00:31:12,680
Speaker 5: it's awful.

692
00:31:12,960 --> 00:31:16,440
Speaker 1: I can't imagine in any friend group I've ever had

693
00:31:17,400 --> 00:31:21,800
Speaker 1: that someone would be like one personal and everyone would

694
00:31:21,840 --> 00:31:24,600
Speaker 1: be so comfortable knowing that I'm out of pocket. So much.

695
00:31:24,680 --> 00:31:28,920
Speaker 3: Absolutely not said I calculated it, or in this situation,

696
00:31:29,200 --> 00:31:33,160
Speaker 3: somebody else calculated it for you, they miscalculated it. I

697
00:31:33,200 --> 00:31:36,000
Speaker 3: think that everyone should be transferring it to you, but

698
00:31:36,040 --> 00:31:38,720
Speaker 3: also that person should be like, oh, sorry, beg to

699
00:31:38,760 --> 00:31:40,160
Speaker 3: put you in that position.

700
00:31:40,000 --> 00:31:44,480
Speaker 1: Totally, because like if you're like, hey, it's sorry, actually

701
00:31:44,480 --> 00:31:46,320
Speaker 1: five bucks each, but because it's you know, everyone, it's

702
00:31:46,400 --> 00:31:49,840
Speaker 1: like a significant blow to my bankyard. There's I wouldn't

703
00:31:49,840 --> 00:31:51,480
Speaker 1: even have to finish that sentence.

704
00:31:51,160 --> 00:31:52,840
Speaker 3: For anyone ever, like.

705
00:31:54,360 --> 00:31:56,400
Speaker 1: Yeah, yeah, absolutely, like I'll transfer right now, you know,

706
00:31:56,440 --> 00:31:59,400
Speaker 1: like not a big deal at all. There's I know

707
00:31:59,440 --> 00:32:00,840
Speaker 1: it's it's hard to say.

708
00:32:00,920 --> 00:32:03,880
Speaker 3: Thirty four dollars is so much money as well, Like

709
00:32:03,920 --> 00:32:05,680
Speaker 3: don't get wrong, Like some people will be like, oh

710
00:32:05,800 --> 00:32:08,560
Speaker 3: I could cover that. That is your privilege, Like that

711
00:32:08,680 --> 00:32:10,680
Speaker 3: is such a nice position to be and if you were, like,

712
00:32:10,880 --> 00:32:14,280
Speaker 3: I wouldn't worry about that. I am so grateful for you.

713
00:32:14,880 --> 00:32:17,400
Speaker 3: I totally get that. I'm so happy that you're in

714
00:32:17,400 --> 00:32:21,600
Speaker 3: that position. But not everybody is in a position where

715
00:32:21,920 --> 00:32:27,400
Speaker 3: carrying thirty five dollars of unexpected cost is reasonable for them,

716
00:32:27,520 --> 00:32:29,920
Speaker 3: or even fair. Why would you want to put your

717
00:32:29,960 --> 00:32:31,800
Speaker 3: friend in a financially stressful position.

718
00:32:32,000 --> 00:32:35,440
Speaker 1: Yeah, I think personally, last resort for any scenario is

719
00:32:36,000 --> 00:32:43,240
Speaker 1: get new friends, resort catcher. I feel like maybe you

720
00:32:43,320 --> 00:32:45,560
Speaker 1: need a nicer community around you because they do not

721
00:32:45,600 --> 00:32:46,480
Speaker 1: seem like nice.

722
00:32:46,280 --> 00:32:48,479
Speaker 3: Friends will be your friends. I'll transfer you five bucks.

723
00:32:48,840 --> 00:32:51,680
Speaker 1: I'll transfer five bucks right now. Send me a pay idea.

724
00:32:51,680 --> 00:32:53,960
Speaker 1: I'll send you five bucks. I'll send you thirty four dollars.

725
00:32:54,600 --> 00:32:56,440
Speaker 3: That's fair, But jess, what would you do.

726
00:32:56,720 --> 00:32:59,760
Speaker 5: I feel like I've said something similar to this before,

727
00:32:59,760 --> 00:33:01,920
Speaker 5: where it's really annoying because you do feel kind of

728
00:33:01,920 --> 00:33:03,600
Speaker 5: like a jerk when you're like, oh, you're only three

729
00:33:03,680 --> 00:33:05,880
Speaker 5: dollars or four dollars. Like, I get that it's kind

730
00:33:05,920 --> 00:33:08,520
Speaker 5: of embarrassing to say to someone hey, or like, because

731
00:33:08,520 --> 00:33:10,920
Speaker 5: you do feel petty like it shouldn't be a day.

732
00:33:10,960 --> 00:33:12,920
Speaker 5: Well that's exactly. Oh it was my Christmas. This happened

733
00:33:12,920 --> 00:33:14,360
Speaker 5: to me one Yeah, like I like paint everything, and

734
00:33:14,440 --> 00:33:18,480
Speaker 5: it was Yeah. Anyway, So I fully understand that pain,

735
00:33:18,840 --> 00:33:21,800
Speaker 5: and I think maybe the best way to communicate it

736
00:33:21,840 --> 00:33:23,800
Speaker 5: to people like again, not that you should have to

737
00:33:23,960 --> 00:33:26,880
Speaker 5: justify it, but you know, obviously understanding that you want

738
00:33:26,920 --> 00:33:29,720
Speaker 5: to stuften the blow and not be teased anymore. I

739
00:33:29,720 --> 00:33:31,680
Speaker 5: would maybe just point that out to them, like, oh,

740
00:33:31,760 --> 00:33:34,160
Speaker 5: four dollars from one person seems like nothing, it's a coffee.

741
00:33:34,280 --> 00:33:36,840
Speaker 5: But when it's everybody adds dated the group chat to

742
00:33:36,880 --> 00:33:40,320
Speaker 5: a certain amount. In group chat, I want to be added.

743
00:33:40,440 --> 00:33:41,720
Speaker 5: I've got stuff to say to them.

744
00:33:42,120 --> 00:33:44,160
Speaker 3: I mean, like, Hi, I'm just here. Was this bullying

745
00:33:44,320 --> 00:33:47,640
Speaker 3: about money? That's weird from you? That's a very strange

746
00:33:47,680 --> 00:33:49,640
Speaker 3: thing to say publicly.

747
00:33:50,360 --> 00:33:51,920
Speaker 1: Yeah, yeah, totally weird.

748
00:33:52,160 --> 00:33:53,760
Speaker 5: Like I think if it was me, I would just

749
00:33:53,840 --> 00:33:55,600
Speaker 5: message the group chat and say, hey, I was like,

750
00:33:56,440 --> 00:33:58,239
Speaker 5: maybe lean into the joke a little bit to make

751
00:33:58,240 --> 00:33:59,680
Speaker 5: it easier on yourself and be like, I don't mean

752
00:33:59,720 --> 00:34:02,880
Speaker 5: to be received police, but you know, with everyone owing

753
00:34:02,880 --> 00:34:06,880
Speaker 5: me money amount and I you know, again, if it

754
00:34:06,920 --> 00:34:08,279
Speaker 5: was me, i'd probably just be like, oh, and I

755
00:34:08,280 --> 00:34:10,800
Speaker 5: had really planned on spending that money on something.

756
00:34:10,680 --> 00:34:12,920
Speaker 3: So we don't have to justify yourself though you shouldn't

757
00:34:12,960 --> 00:34:13,200
Speaker 3: have to.

758
00:34:13,360 --> 00:34:16,279
Speaker 5: But I also understand the need, if you're not great

759
00:34:16,280 --> 00:34:18,800
Speaker 5: with confrontation, to soften that blow. So that's kind of That's.

760
00:34:18,600 --> 00:34:21,560
Speaker 3: Why I liked before that we waited until that person

761
00:34:21,640 --> 00:34:22,320
Speaker 3: had left the country.

762
00:34:23,200 --> 00:34:25,480
Speaker 1: With our boss. We just girls.

763
00:34:25,920 --> 00:34:28,120
Speaker 5: Yeah, So like I would probably kind of try and

764
00:34:28,320 --> 00:34:30,400
Speaker 5: show the bigger picture and maybe say, oh, I had

765
00:34:30,440 --> 00:34:32,560
Speaker 5: it allocated to something like that's why I'm kind of

766
00:34:32,640 --> 00:34:34,600
Speaker 5: chasing it that like be like, oh, I'm so sorry,

767
00:34:34,600 --> 00:34:36,640
Speaker 5: but like I had it set aside for someone's birthday present,

768
00:34:36,880 --> 00:34:38,680
Speaker 5: even if that's not true. Just that's what I would

769
00:34:38,719 --> 00:34:41,400
Speaker 5: do to make myself a bit more comfy. And I

770
00:34:41,440 --> 00:34:44,080
Speaker 5: think not that this helps your situation right now, but

771
00:34:44,160 --> 00:34:46,200
Speaker 5: probably a good lesson of everyone going forward is if

772
00:34:46,200 --> 00:34:47,880
Speaker 5: people are your money, maybe you be the one that

773
00:34:47,920 --> 00:34:49,759
Speaker 5: works it out so that you can make sure that

774
00:34:49,840 --> 00:34:50,560
Speaker 5: it's done.

775
00:34:50,600 --> 00:34:52,239
Speaker 3: Correctly the first time.

776
00:34:52,680 --> 00:34:54,600
Speaker 5: But like as you said back, like the very much

777
00:34:54,640 --> 00:34:56,400
Speaker 5: the overwhelming thing is people should not be making you

778
00:34:56,440 --> 00:34:58,080
Speaker 5: feel that way, and I'm so sorry that they are.

779
00:34:58,120 --> 00:34:59,520
Speaker 5: That's horrendous.

780
00:35:00,080 --> 00:35:02,839
Speaker 3: And you're not like to send them this podcast? Yeah,

781
00:35:02,880 --> 00:35:05,560
Speaker 3: say this podcast and be like skip to sixteen minutes

782
00:35:05,600 --> 00:35:07,399
Speaker 3: and forty three seconds. I dare you and.

783
00:35:07,360 --> 00:35:09,360
Speaker 5: Listen to the three of us saying we think you're objecked.

784
00:35:11,440 --> 00:35:17,920
Speaker 3: So you yeah, because you heard it here first. Oh, honestly,

785
00:35:17,920 --> 00:35:19,440
Speaker 3: I would follow them up. I feel like I'm the

786
00:35:19,480 --> 00:35:21,960
Speaker 3: type of person that if you make fun of me

787
00:35:22,040 --> 00:35:25,719
Speaker 3: for that, like I just I want to make you uncomfortable,

788
00:35:26,480 --> 00:35:28,239
Speaker 3: Like I would be the first to be like, that's

789
00:35:28,239 --> 00:35:29,960
Speaker 3: a really weird thing to say out loud.

790
00:35:31,400 --> 00:35:33,400
Speaker 1: Aggressive I like it.

791
00:35:34,719 --> 00:35:36,600
Speaker 3: Yeah, that's a really weird thing to say.

792
00:35:36,920 --> 00:35:38,719
Speaker 1: Yeah, like that should have been an inside thought.

793
00:35:39,400 --> 00:35:43,920
Speaker 3: Your inside thoughts are currently outside. Was that a mistake No,

794
00:35:43,960 --> 00:35:48,440
Speaker 3: but genuinely like, oh, I didn't realize it was an issue.

795
00:35:50,280 --> 00:35:51,959
Speaker 3: My bank account details are.

796
00:35:53,719 --> 00:35:55,080
Speaker 1: Yeah, I don't even like, like.

797
00:35:55,040 --> 00:35:57,880
Speaker 3: We don't need to play into the drama like your option.

798
00:35:58,200 --> 00:36:01,440
Speaker 3: Your friends are kind of being dicks and I don't know,

799
00:36:01,640 --> 00:36:05,720
Speaker 3: like I thankfully don't have any friends that I would

800
00:36:05,719 --> 00:36:07,600
Speaker 3: ever feel like I need to call out, Like I

801
00:36:07,640 --> 00:36:09,040
Speaker 3: feel like all of my friends if I was like

802
00:36:09,040 --> 00:36:10,919
Speaker 3: far out that was five dollars shorts, like the same

803
00:36:10,960 --> 00:36:13,520
Speaker 3: as your friends back, they immediately, oh, let me fix that,

804
00:36:13,760 --> 00:36:17,040
Speaker 3: Like totally, I'm also the same, like I don't want

805
00:36:17,040 --> 00:36:19,280
Speaker 3: people to be out that I think on a deeper level,

806
00:36:19,440 --> 00:36:24,640
Speaker 3: like even going bowling and having some drinks. I remember

807
00:36:24,719 --> 00:36:28,000
Speaker 3: back when I was at university having to think really

808
00:36:28,040 --> 00:36:31,680
Speaker 3: carefully about the social engagements that I was partaking in,

809
00:36:32,040 --> 00:36:34,759
Speaker 3: Like I would have googled the bowling alley and made

810
00:36:34,760 --> 00:36:37,240
Speaker 3: sure that I could afford the game that my friends

811
00:36:37,280 --> 00:36:40,279
Speaker 3: wanted to do, I'd probably extrapolid it out in my

812
00:36:40,320 --> 00:36:41,640
Speaker 3: head and be like, oh, what if they want to

813
00:36:41,640 --> 00:36:44,120
Speaker 3: do a second one? How much would that cost? I

814
00:36:44,280 --> 00:36:46,799
Speaker 3: probably already looked at the menu like to make sure

815
00:36:46,800 --> 00:36:49,440
Speaker 3: that it was in my budget, because like I didn't

816
00:36:49,440 --> 00:36:52,960
Speaker 3: have money, and if I did, I didn't want to

817
00:36:53,000 --> 00:36:57,239
Speaker 3: feel uncomfortable in a group situation, like I feel like

818
00:36:57,280 --> 00:36:59,919
Speaker 3: we've all been there at some point where we're like, oh, yep,

819
00:37:00,320 --> 00:37:02,440
Speaker 3: I can afford that to then be thirty four dollars

820
00:37:02,440 --> 00:37:05,920
Speaker 3: out like I couldn't have afforded that, and flipping back

821
00:37:05,960 --> 00:37:09,440
Speaker 3: to who I used to be, and I'm very privileged

822
00:37:09,440 --> 00:37:13,400
Speaker 3: to have, like I guess glowed up since then financially,

823
00:37:13,840 --> 00:37:15,560
Speaker 3: but like flipping back to who I used to be

824
00:37:15,960 --> 00:37:17,600
Speaker 3: that would have kept me up at night. That would

825
00:37:17,640 --> 00:37:19,719
Speaker 3: have made me feel sick. And then for people to

826
00:37:19,800 --> 00:37:23,600
Speaker 3: be mean to me about that, like why are you

827
00:37:23,719 --> 00:37:28,560
Speaker 3: shaming someone about money? Like that's giving me the ick

828
00:37:28,800 --> 00:37:32,520
Speaker 3: that these people think that that's okay, Like I mean

829
00:37:33,600 --> 00:37:37,840
Speaker 3: flipping the narrative a little bit, who knows, like maybe

830
00:37:37,880 --> 00:37:40,200
Speaker 3: this money this diarist because we always lack a lot

831
00:37:40,200 --> 00:37:42,960
Speaker 3: of context here, maybe this person who has written in

832
00:37:43,200 --> 00:37:48,200
Speaker 3: everybody knows that Jessica has Daddy's credit card, and Jessica

833
00:37:48,239 --> 00:37:51,560
Speaker 3: actually put bowling on Daddy's credit card. So maybe they're

834
00:37:51,560 --> 00:37:55,000
Speaker 3: playing a little bit of like a game because they're like, yes,

835
00:37:55,080 --> 00:37:56,880
Speaker 3: you didn't even pay for that, and you're chasing up

836
00:37:56,880 --> 00:37:59,760
Speaker 3: that five dollars, like, and maybe they know something we don't.

837
00:38:00,160 --> 00:38:03,200
Speaker 3: I'm not justifying it, but like, I just think that

838
00:38:03,320 --> 00:38:06,000
Speaker 3: any type of money shame not acceptable.

839
00:38:06,120 --> 00:38:08,440
Speaker 5: No, you star money, pay them the money regardless if

840
00:38:08,480 --> 00:38:10,280
Speaker 5: it's five hundred dollars or five dollars, doesn't matter.

841
00:38:10,400 --> 00:38:13,520
Speaker 3: Exactally thick about it. We obviously asked the community. We said,

842
00:38:13,520 --> 00:38:16,000
Speaker 3: would you ask everyone for the four twenty five, fifty

843
00:38:16,000 --> 00:38:18,680
Speaker 3: one percent of you said yeah, it's my money. Forty

844
00:38:19,040 --> 00:38:20,800
Speaker 3: nine percent of you said no, I'd leave it. And

845
00:38:20,960 --> 00:38:23,520
Speaker 3: I'm pretty convinced that forty nine percent of you who

846
00:38:23,560 --> 00:38:25,960
Speaker 3: said that you'd leave it, you just would leave it

847
00:38:25,960 --> 00:38:28,839
Speaker 3: because it's awkward. Yeah, totally like not because you don't

848
00:38:28,840 --> 00:38:31,080
Speaker 3: believe it's your money. You're just like, oh, I wish

849
00:38:31,160 --> 00:38:32,920
Speaker 3: it was calculated probably at the start.

850
00:38:33,280 --> 00:38:36,640
Speaker 1: Yeah, Unfortunately, there is there have been times where, like

851
00:38:36,800 --> 00:38:39,520
Speaker 1: I'm sure there are people out there who and myself included,

852
00:38:39,719 --> 00:38:43,319
Speaker 1: where you have literally three cents and you're like, I have.

853
00:38:43,320 --> 00:38:47,480
Speaker 3: That thirty money ale grocery shop. Yeah, totally cut that out.

854
00:38:47,640 --> 00:38:51,799
Speaker 3: And also, we live in Australia. It doesn't cost us

855
00:38:51,840 --> 00:38:55,240
Speaker 3: anything to transfer our friends' money like that four dollars

856
00:38:55,280 --> 00:38:57,480
Speaker 3: and twenty five cents. It's going to cost you nothing

857
00:38:57,560 --> 00:38:59,600
Speaker 3: except the four dollars and twenty five cents to put

858
00:38:59,600 --> 00:39:02,439
Speaker 3: it in someone else's account. Yeah, just do the right thing.

859
00:39:03,120 --> 00:39:05,440
Speaker 3: We also ask the community there are two types of people,

860
00:39:05,920 --> 00:39:08,600
Speaker 3: those who ask for and transfer the exact amount to

861
00:39:08,640 --> 00:39:11,279
Speaker 3: the cent and those that use round numbers. Who are you?

862
00:39:12,080 --> 00:39:13,240
Speaker 1: I feel like that's so interesting.

863
00:39:14,840 --> 00:39:18,160
Speaker 3: Which one are you? We said every cent counts. Thirty

864
00:39:18,200 --> 00:39:20,560
Speaker 3: six percent of you said yes, and sixty four percent

865
00:39:20,600 --> 00:39:23,160
Speaker 3: of you said, actually, I only deal in round numbers.

866
00:39:23,320 --> 00:39:25,240
Speaker 5: Yeah, I agree, but I always round up, always round.

867
00:39:26,360 --> 00:39:29,239
Speaker 3: That, always round up. Like, Jesse, if the bill's thirty

868
00:39:29,280 --> 00:39:30,719
Speaker 3: eight dollars fifty, what are you transferring?

869
00:39:30,880 --> 00:39:32,160
Speaker 5: Wait, thirty nine dollars?

870
00:39:32,200 --> 00:39:34,520
Speaker 1: Yeah, nine dollars yeah yeah, yeah, Like we're not lying crazy,

871
00:39:34,520 --> 00:39:35,480
Speaker 1: We're not going to fifty.

872
00:39:35,560 --> 00:39:37,200
Speaker 3: No, But like you get a little bit of tax,

873
00:39:37,640 --> 00:39:39,799
Speaker 3: you get a little bit of tax. Yeah, because you

874
00:39:40,200 --> 00:39:42,399
Speaker 3: are the one that took it for the team. Yeah,

875
00:39:42,560 --> 00:39:43,320
Speaker 3: I agree.

876
00:39:43,440 --> 00:39:45,160
Speaker 1: That's the other thing that's really unfair about this is

877
00:39:45,560 --> 00:39:47,080
Speaker 1: not you want to be the one to pay the

878
00:39:47,239 --> 00:39:47,840
Speaker 1: full bill.

879
00:39:48,360 --> 00:39:50,879
Speaker 3: You guys didn't put your hands up. Yeah, I put

880
00:39:50,920 --> 00:39:52,520
Speaker 3: my hands up and I paid for this and now

881
00:39:52,560 --> 00:39:53,279
Speaker 3: I'm out for this.

882
00:39:54,080 --> 00:39:56,520
Speaker 1: You are good deed for a good deed.

883
00:39:56,600 --> 00:39:57,360
Speaker 3: One out of ten, we.

884
00:39:57,680 --> 00:39:59,919
Speaker 1: See that good deeds, no good deed.

885
00:40:00,480 --> 00:40:02,360
Speaker 5: Sorry, that's a weiked reference for anybody.

886
00:40:03,560 --> 00:40:05,240
Speaker 1: Seen that. But I love the singing.

887
00:40:05,440 --> 00:40:05,919
Speaker 5: Thank you.

888
00:40:07,000 --> 00:40:09,200
Speaker 3: We can move on from the singing, because, like, while

889
00:40:09,239 --> 00:40:12,319
Speaker 3: I love the singing, it's not good. It's not good,

890
00:40:12,480 --> 00:40:15,080
Speaker 3: not ideal. But we said to the community, all right,

891
00:40:15,120 --> 00:40:17,040
Speaker 3: we're gonna need your two cents and I've got a

892
00:40:17,040 --> 00:40:19,799
Speaker 3: few for you. So first person said, why should the

893
00:40:19,800 --> 00:40:22,000
Speaker 3: friend have to pay another thirty five bucks on top.

894
00:40:21,880 --> 00:40:26,960
Speaker 6: Of what everybody else has already paid, completely exactly plea.

895
00:40:27,320 --> 00:40:30,400
Speaker 3: Someone else said, just leave the group chat. They don't

896
00:40:30,480 --> 00:40:34,759
Speaker 3: sound like very good friends Whitney in general. All right, yeah,

897
00:40:34,760 --> 00:40:38,960
Speaker 3: Paula Whitney, leave the group chat. Someone else said, I

898
00:40:39,040 --> 00:40:41,200
Speaker 3: use split wise with my friends and it helps so much.

899
00:40:41,680 --> 00:40:44,120
Speaker 3: I do love split wy yes, I adore split wise.

900
00:40:44,160 --> 00:40:47,279
Speaker 3: Every time I travel with friends, we use it. But

901
00:40:47,320 --> 00:40:50,680
Speaker 3: also if somebody put the wrong amount into split wise,

902
00:40:51,120 --> 00:40:53,959
Speaker 3: the same problem, same problem. Yeah that's true, but also

903
00:40:54,000 --> 00:40:57,399
Speaker 3: split wiz does really make things clear. Someone else said

904
00:40:57,440 --> 00:41:00,600
Speaker 3: she can lean into being the receipt police back cop

905
00:41:00,680 --> 00:41:05,440
Speaker 3: memes and she's on the money rhetoric.

906
00:41:05,680 --> 00:41:07,800
Speaker 5: Photoshop yourself into that one of the cop with the

907
00:41:07,880 --> 00:41:15,239
Speaker 5: mustache pointing being like, you.

908
00:41:12,239 --> 00:41:13,400
Speaker 4: Send it to all of them.

909
00:41:13,480 --> 00:41:14,640
Speaker 1: Yeah, this is a good idea.

910
00:41:17,120 --> 00:41:20,080
Speaker 3: We will make you a meme, just and it will

911
00:41:20,080 --> 00:41:23,520
Speaker 3: make you a meme. And it's me. It's me looking

912
00:41:23,560 --> 00:41:26,120
Speaker 3: down the barrel of the camera being like, I will

913
00:41:26,160 --> 00:41:31,160
Speaker 3: find you. Yeah, Hi, sorry, I just heard that you

914
00:41:31,200 --> 00:41:34,360
Speaker 3: don't pay weird. Someone else said, I never pay the

915
00:41:34,360 --> 00:41:37,360
Speaker 3: bill for others, as they take ages to pay me back,

916
00:41:37,440 --> 00:41:41,680
Speaker 3: and I'm the one that always pays back immediately. See,

917
00:41:41,680 --> 00:41:43,439
Speaker 3: this is what happens when you're a good guy.

918
00:41:43,520 --> 00:41:45,279
Speaker 1: I feel like, you know those people that take all

919
00:41:45,320 --> 00:41:48,000
Speaker 1: the photos and they take forever to send it, they're

920
00:41:48,000 --> 00:41:50,560
Speaker 1: the same people that take forever to send money. So

921
00:41:51,360 --> 00:41:54,160
Speaker 1: I would steer clear. It's a good sign, and I

922
00:41:54,200 --> 00:41:55,479
Speaker 1: think steer clear of those ones.

923
00:41:55,600 --> 00:41:59,080
Speaker 3: Yeah, yeah, well just go places that split the bill. Yeah,

924
00:41:59,480 --> 00:42:00,600
Speaker 3: split the bill.

925
00:42:00,640 --> 00:42:01,560
Speaker 1: I'd love to split the bill.

926
00:42:01,640 --> 00:42:04,680
Speaker 3: Someone else said, I'd actually drop it because that's who

927
00:42:04,680 --> 00:42:07,240
Speaker 3: I am as a person. But I would never offer

928
00:42:07,360 --> 00:42:11,160
Speaker 3: to pay the bill to make it easier for anyone. Again. Yeah,

929
00:42:11,480 --> 00:42:14,600
Speaker 3: I'll take them off ont it. Someone else said, let

930
00:42:14,640 --> 00:42:17,799
Speaker 3: it go. There's bigger world problems. Must be nice. Well

931
00:42:17,840 --> 00:42:19,880
Speaker 3: that point of view, that might be the biggest.

932
00:42:20,160 --> 00:42:21,080
Speaker 1: That might be a big problem.

933
00:42:22,040 --> 00:42:22,279
Speaker 7: Yeah.

934
00:42:22,400 --> 00:42:25,239
Speaker 3: Someone else said, sorry, think you need new friends. I'm

935
00:42:25,239 --> 00:42:26,000
Speaker 3: a nice lady.

936
00:42:26,320 --> 00:42:29,760
Speaker 5: Please still sweet, big friends.

937
00:42:30,280 --> 00:42:32,719
Speaker 3: Someone else said, thirty four bucks is half a tank

938
00:42:32,800 --> 00:42:35,600
Speaker 3: of petrol. If it was one or two people, Sure,

939
00:42:35,840 --> 00:42:38,279
Speaker 3: five bucks is no big deal, but eight people that's

940
00:42:38,320 --> 00:42:38,760
Speaker 3: a lot.

941
00:42:39,040 --> 00:42:39,600
Speaker 1: Absolutely.

942
00:42:39,920 --> 00:42:42,319
Speaker 3: Someone else said, only dealing round numbers, I round up.

943
00:42:42,400 --> 00:42:45,000
Speaker 3: I consider it the tax to the person who paid. Agreed.

944
00:42:45,280 --> 00:42:47,400
Speaker 3: I agree. Good place to leave it with my friends.

945
00:42:47,920 --> 00:42:50,600
Speaker 3: As always, we hope you have a beautiful weekend. If

946
00:42:50,600 --> 00:42:54,720
Speaker 3: you haven't joined our Facebook community, please do that because

947
00:42:54,800 --> 00:42:56,759
Speaker 3: I just love having all my friends there that want

948
00:42:56,800 --> 00:43:00,200
Speaker 3: to see and pay pet tax. I just mentioned Whitney

949
00:43:00,400 --> 00:43:03,560
Speaker 3: and tomorrow I have a secret lives of the Mormon

950
00:43:03,800 --> 00:43:06,799
Speaker 3: wives or deep Dive coming for you. So if you've

951
00:43:06,840 --> 00:43:08,600
Speaker 3: stayed to the end of this episode. You now know

952
00:43:08,640 --> 00:43:11,360
Speaker 3: what's dropping tomorrow, so we will see you or I

953
00:43:11,400 --> 00:43:13,000
Speaker 3: will see you tomorrow, but the rest of the team

954
00:43:13,040 --> 00:43:15,080
Speaker 3: will see you next week. Have a good weekend, guys.

955
00:43:15,160 --> 00:43:21,200
Speaker 1: Bye, guys Bye.

956
00:43:22,239 --> 00:43:24,760
Speaker 3: The advice shared on She's on the Money is general

957
00:43:24,840 --> 00:43:28,680
Speaker 3: in nature and does not consider your individual circumstances. She's

958
00:43:28,719 --> 00:43:32,200
Speaker 3: on the Money exists purely for educational purposes and should

959
00:43:32,200 --> 00:43:35,400
Speaker 3: not be relied upon to make an investment or financial decision.

960
00:43:35,760 --> 00:43:38,239
Speaker 3: If you do choose to buy a financial product, read

961
00:43:38,239 --> 00:43:42,360
Speaker 3: the PDS TMD and obtain appropriate financial advice tailored towards

962
00:43:42,440 --> 00:43:42,960
Speaker 3: your needs.

963
00:43:43,320 --> 00:43:47,280
Speaker 6: Victoria Divine and She's on the Money are authorized representatives

964
00:43:47,320 --> 00:43:51,200
Speaker 6: of Money. Sheper pty Ltd ABN three two one IS

965
00:43:51,239 --> 00:43:55,080
Speaker 6: six four nine two seven seven zero eight AFSL four

966
00:43:55,200 --> 00:44:05,440
Speaker 6: five one two eight nine