Speaker 1: Hello.
Speaker 2: My name is Santasha Nabananga Bamblet. I'm a proud Order
Speaker 2: Order Kerney Whoalbury and a waddery woman. And before we
Speaker 2: get started on She's on the Money podcast, I would
Speaker 2: like to acknowledge the traditional custodians of the land of
Speaker 2: which this podcast is recorded on a wondery country, acknowledging
Speaker 2: the elders, the ancestors and the next generation coming through
Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and
Speaker 2: the storytelling of you to make a difference for today
Speaker 2: and lasting impact for tomorrow.
Speaker 1: Let's get into it.
Speaker 3: She's on the Money. She's on the Money.
Speaker 4: Hello, and welcome to She's on the Money podcast that
Speaker 4: makes personal finance fun, especially on Fridays. It is our
Speaker 4: favorite day of the week because we get to get
Speaker 4: our team together and celebrate you our incredible She's on
Speaker 4: the Money community today, MSUs Gorici is going to be
Speaker 4: sharing her favorite money wins from the group.
Speaker 1: Beck is going to be sharing her breake.
Speaker 4: Tips, and we're going to be helping to answer our
Speaker 4: money dilemma, which this week is all about if paying
Speaker 4: off debts should come first. When you score a sweet
Speaker 4: bonus and something that you slid into our dams about
Speaker 4: this week, we're talking whether chasing up friends for a
Speaker 4: few dollars makes you.
Speaker 1: Petty or practical, which I feel like.
Speaker 4: Is going to get some divisive conversations going around the table.
Speaker 4: But before we get there, I usually ask you how
Speaker 4: your weeks were. But we've been chatting offline, and while
Speaker 4: we shouldn't read our own.
Speaker 1: Reviews, we do. We do.
Speaker 4: We do, and there have been some really beautiful ones.
Speaker 4: So each person in the team has picked out their
Speaker 4: favorite five star review and we're going to read it
Speaker 4: and share it with each other because I feel like
Speaker 4: that's just spreading good positivity and I just like the vibes.
Speaker 4: So Beck, what are you bringing to the table.
Speaker 5: This Obviously there were so many good ones and some that,
Speaker 5: like you know, mentioned all this individually, and so I.
Speaker 1: Just want, as long is it something nice.
Speaker 5: I get so anxious and then I'm like, i'll read it.
Speaker 5: I'll be like, Okay, that's actually really nice that. So
Speaker 5: I want those people to know that I really appreciate those.
Speaker 5: But I did want to be selfish, So I'm going
Speaker 5: to read one that's just a general one. This one's
Speaker 5: from Paula. It says, such a beautifully thought out and
Speaker 5: put together podcast, full of relatable, approachable content that is
Speaker 5: highly valuable and smart. So nice.
Speaker 1: I love it. Jess, what have you got? Mind's a
Speaker 1: little bit longer? It's from and it said, I've got
Speaker 1: a long one too. Perfect.
Speaker 6: I've been a long time listener, but with periods of stopping,
Speaker 6: and have absolutely loved the last year and the structure
Speaker 6: of each week's podcasts. I'm now going back and listening
Speaker 6: to those episodes I've missed. Victoria, Jess and Beck are
Speaker 6: a great group of girls to listen to, and they
Speaker 6: always have me laughing, very engaging, and the content is
Speaker 6: always helpful or interesting. I'm so grateful that Victoria has
Speaker 6: kept this podcast going. I wouldn't be in the position
Speaker 6: I am today if it wasn't for the pod, especially
Speaker 6: being brought up with no financial literacy.
Speaker 1: Isn't that so sweet?
Speaker 5: That's really what we do? Yeah, ah, alright, this is
Speaker 5: so sweet.
Speaker 4: I like this because I feel like we're setting ourselves
Speaker 4: up with like such a little pep in our step.
Speaker 1: Yes, this is good. This is good.
Speaker 4: So my favorite five star review is from Liz Cox,
Speaker 4: and it's actually the reason why I wanted to share
Speaker 4: some positivity, right, so she said, to all the people
Speaker 4: who are making specific comments with those star ratings, I
Speaker 4: think you're missing the fundamental point here. I'm forty one
Speaker 4: and have learned more about finances and investing in the
Speaker 4: past month with the help of this podcast and a
Speaker 4: few others than I have in all my years living,
Speaker 4: and the information has been invaluable. I wish I had
Speaker 4: got this type of thing years ago. This information is free,
Speaker 4: so informative and so useful.
Speaker 5: Is so sweet, and thank you for sticking up for us,
Speaker 5: because it is so funny when you're like, oh wow,
Speaker 5: my personality has never been on blast like this before.
Speaker 1: I can't change can't change anything. Actually, you're choosing to
Speaker 1: be here.
Speaker 5: You're free, and we're just trying to help people learn.
Speaker 1: I just really like talking about money.
Speaker 4: I really appreciate someone was silly enough to consistently let
Speaker 4: me have a platform to do that. And the fact
Speaker 4: that people still listen blows my mind and I'm so
Speaker 4: grateful for it. But overlaying all of that, the fact
Speaker 4: that women in particular are changing their lives because of
Speaker 4: the content that we create.
Speaker 1: I couldn't be more proud it's really beautiful. Isn't that
Speaker 1: so cool?
Speaker 4: Keeping on the positive notes, Jess, I want to know
Speaker 4: money wins and confessions from our Facebook community.
Speaker 1: What have you got this week already?
Speaker 6: Firstly, when I think we can all appreciate from Bailey
Speaker 6: Jean who said money win, I am a size seven
Speaker 6: women's shoe, but I fit into a children's size six.
Speaker 1: Is that? Yeah?
Speaker 6: I bought a set of Additor summers, which are obviously
Speaker 6: very trendy right now on the weekend from the children's
Speaker 6: section for one hundred and thirty dollars rather than paying
Speaker 6: the full price women's which were one hundred and eighty.
Speaker 4: Oh god, it's actually so smart. And there's sand Bears
Speaker 4: that I want always out in the colorway that I want,
Speaker 4: so I still do not own sand Bears.
Speaker 1: Please bring back the beam pink. I don't know it's
Speaker 1: that one. I don't know that's but I know that
Speaker 1: I will like it. If it's like a fluo pink.
Speaker 4: It's they're just really one's brook or Georgia has no Okay,
Speaker 4: the team really likes we do.
Speaker 1: We're all. She's got the Neapolitan ones.
Speaker 4: George's got these like real beautiful, like hot pink ones
Speaker 4: like to.
Speaker 6: Google, I share a pick after Yes, thank you. Next,
Speaker 6: I've got a money win from Grace, who said Medibank
Speaker 6: gave me one hundred dollars for staying in customer during
Speaker 6: the COVID period. Thanks many Bank, I know how nice
Speaker 6: honey money went straight back into her bills account. So
Speaker 6: ready to little circular economy there. Next, I've got a
Speaker 6: money win from Mandy, who said she confronted her boss
Speaker 6: and made sure she got the higher duty pay she
Speaker 6: was entitled to. She said she worked in a male
Speaker 6: dominated industry and the leading hand above her was going
Speaker 6: on a holiday. Leading up to his leave, he tried
Speaker 6: delegating his job out and writing out a schedule so
Speaker 6: no one had to step into the role entirely to
Speaker 6: be entitled to his pay. She took on the majority
Speaker 6: of this stuff and the things that he said, oh,
Speaker 6: don't worry about that. She also was going to have
Speaker 6: to deal with if something went wrong. So after he
Speaker 6: leaves the country, she spoke to her boss and you.
Speaker 4: Wait until he left the country.
Speaker 6: Yeah, And her boss confirmed that she is effectively doing
Speaker 6: that role. So she brought up the higher duty's clause
Speaker 6: in her contract, and she agreed that she was entitled.
Speaker 1: To the pay, so money, we're sick, bit of a conic.
Speaker 4: Also, I think it's so funny, Like it's not funny,
Speaker 4: but it is funny, Like we just girls, Like I
Speaker 4: don't want to be confrontational about this, but I also
Speaker 4: deserve to get paid what I deserve to get paid.
Speaker 4: So I am going to wait till you leave the
Speaker 4: country and then I'm going to bring it up.
Speaker 2: Yeah.
Speaker 4: I also hate that she when you drank the confrontation.
Speaker 4: Don't like you had to do that, but you did.
Speaker 1: Yeah, totally good for you.
Speaker 6: So sneaky to be like, oh, I'm splitting it up
Speaker 6: between everyone, so everyone has no work and no one
Speaker 6: has more pay.
Speaker 1: That's so dotty, sneak.
Speaker 6: Well done, Mandy, Really happy for you, queen. Next, I've
Speaker 6: got a money win from Rachel, who said she got
Speaker 6: a very nice bonus for referring a friend to a
Speaker 6: lovely real estate agent who had previously helped sell her
Speaker 6: family home. She connected her friends to the agent and
Speaker 6: they then used them for something and they got a
Speaker 6: couple hundred bucks in cash.
Speaker 1: Thank you.
Speaker 6: She said she thought she'd maybe get like a bottle
Speaker 6: of wine or something, and instead cha Chin.
Speaker 1: Okay, I love cash instead of wine. Yeah, oh yeah,
Speaker 1: give me the way.
Speaker 4: Imagine he is a fifty dollars crispy note back. This
Speaker 4: tastes much better than why.
Speaker 5: Yeah, definitely, and you can buy twenty.
Speaker 4: However, many bottles of goon, bottles of goon, bags of goon.
Speaker 5: Bags of goon.
Speaker 4: Baby.
Speaker 1: There you go.
Speaker 6: Next, I've got money win from Caitlin who said she
Speaker 6: just booked flights to Switzerland and I immediately ooh pricey,
Speaker 6: but she said it was a third of the normal price.
Speaker 6: They paid three thousand dollars in total for two people
Speaker 6: return from Brisbane to Zurich, which is unbelievably cheap fifteen
Speaker 6: hundred dollars return flight.
Speaker 1: Then when you get there in burgers l fifty bucks seat,
Speaker 1: she'll be like, why didn't I come just with I.
Speaker 5: Wonder if it's like a crazy layover or something.
Speaker 6: I don't know, but it was with Kata, she said,
Speaker 6: if anybody should look it up for themselves, So there
Speaker 6: you go.
Speaker 1: I love that. And then lastly, I just wanted to.
Speaker 6: Shout out we got a lot of good pet tax
Speaker 6: photos this week, so definitely go to the thread, but
Speaker 6: shout out to Alisha, Sarah, Brooke, and Gabby who all
Speaker 6: included photos of their pets, not just capts and dogs.
Speaker 6: We had chickens, we had horsps. It's all happening on
Speaker 6: the thread this week. Can go have a look and
Speaker 6: don't forget to leave your money win there so I
Speaker 6: can have a look and maybe.
Speaker 1: Read yours out next week. Yeah, we actually don't charge
Speaker 1: for our community. It's a free community.
Speaker 4: You can join it obviously, look up She's on the
Speaker 4: money on Facebook and join. But we do ask for
Speaker 4: pet tax, and pet tax is payable in the form
Speaker 4: of photos being posted in our group of your pets.
Speaker 5: If you don't pet, you take a photo of You.
Speaker 1: Can share other people's pets.
Speaker 4: You can share cute pictures that you found on Instagram
Speaker 4: or Facebook.
Speaker 1: Literally wildlife, like we don't care is it an animal?
Speaker 1: I mean, you talk about the pet.
Speaker 6: You've got a face to photo of the fet.
Speaker 4: Like, they're the rules there, the rules.
Speaker 1: Talk about a pet. You got to post a photo
Speaker 1: of the pet.
Speaker 4: Yeah, but they're the rules and we made them because
Speaker 4: it's actually my group and I can do whatever I want.
Speaker 1: Well, exactly, isn't that cool? Exactly right?
Speaker 4: This is what people do with adult decisions. Like, you know,
Speaker 4: when people like what would you do with adult money?
Speaker 4: Obviously I said, I wasn't going to ask you about
Speaker 4: your weeks, but like, Jess, what did we do with
Speaker 4: our adult money this week?
Speaker 6: Well, we had a very fun team retreat this week,
Speaker 6: which we did. We had a lot of fun. We
Speaker 6: stayed at a really cute little hotel in the city,
Speaker 6: which is really great.
Speaker 4: Stayed at the Pullman, which was like bougie. It was
Speaker 4: very There was a baf in room, Beck, a bath.
Speaker 4: Ye you like hotel when there's a bath.
Speaker 6: Yeah, yeah, And I did fill that bath with bubbles.
Speaker 1: It was lovely.
Speaker 4: Oh yeah, Like the bath wasn't in her room, so
Speaker 4: she borrowed my room for a bath because obviously I'm
Speaker 4: not going to just take the bath for myself.
Speaker 6: No. It was incredible, but we in the midst of
Speaker 6: our working day, we were a little bit brain dead,
Speaker 6: and so we said.
Speaker 1: You know what we should do?
Speaker 4: Do you know what's going to make us feel better?
Speaker 4: Guess Beck, what would make us feel better in the
Speaker 4: middle of the day.
Speaker 5: Well, I'm thinking like gyg or something like that.
Speaker 4: Oh, I love a bigger, bigger It is also like
Speaker 4: I mean food themed in a way.
Speaker 5: Melbourne Royal Show Petting Farm so close we would do that.
Speaker 5: We went to the aquarancy Pesto Pesto, which I don't
Speaker 5: know who that is.
Speaker 1: I'm just going to say for those who don't have.
Speaker 4: So so for those of you who don't know, Pesto
Speaker 4: Pesto is a king penguin baby who was born in
Speaker 4: captivity the Melbourne Aquarium. He is the biggest king penguin
Speaker 4: to have been born in captivity in Australia. He's so
Speaker 4: shonky and he's standing next to his mum, who looks
Speaker 4: half his size.
Speaker 1: He's still got all of his baby feathers, so he
Speaker 1: looks like brown and fluffy, not like a king penguin,
Speaker 1: and he beck is the cutest thing you've seen in
Speaker 1: your life.
Speaker 4: I just showed her the video that I took. I
Speaker 4: actually got a photo with Pesto life made. We posted
Speaker 4: it in our broadcast channel. So on Instagram, we kind
Speaker 4: of have like a it's kind of like a group
Speaker 4: chat for all of us, but like we just post
Speaker 4: I guess behind the scenes content if she's on the money,
Speaker 4: things that we're up to every day. We post some polls,
Speaker 4: if we've got questions. And I posted my selfie with
Speaker 4: Pesto in the group because that's obviously the content that
Speaker 4: you guys are here for. But of course that's what
Speaker 4: you can do with adult money.
Speaker 1: Yes, yeah, I love having adult money.
Speaker 4: You can charge people pet tax, you can take your
Speaker 4: team to go see Pesto the Penguin.
Speaker 1: Like life is good. Yeah, it's great, but I mean
Speaker 1: getting a little stay ca midweek not mad at me?
Speaker 1: Even better.
Speaker 4: We actually just got back back. We stayed there last night,
Speaker 4: came to the studio from the hotel.
Speaker 1: I could feel a glow.
Speaker 4: I feel really nice, slept very well, but like last night,
Speaker 4: team got to go out. Just had a little watermelon cocktail.
Speaker 1: I don't want to drink and I was like what.
Speaker 5: As she goes on the table, a few would.
Speaker 4: Find pizzas and I was like, it doesn't even feel
Speaker 4: like it's a midweek night.
Speaker 1: What is this?
Speaker 5: But it does suck when you remind yourself by like
Speaker 5: you're sitting there, you're having the best time. Then you
Speaker 5: remind yourself you do have work tomorrow, and then you
Speaker 5: feel that.
Speaker 1: You're feeling your belly. I'm going to have work.
Speaker 4: Yeah, we didn't want to leave. We actually wanted to
Speaker 4: move in Alas. We can't afford to live in hotels,
Speaker 4: so we just do.
Speaker 1: It part time break tips.
Speaker 6: We could save up money to do it.
Speaker 4: We absolutely could. I mean we didn't save up our
Speaker 4: points and spent that. So that's yeah, yeah, brick tip.
Speaker 4: It's actually a pretty good break tip. But Jess, let's
Speaker 4: segue away from your money wins and into your broke tips.
Speaker 1: If you got to bring to the table this week.
Speaker 5: Okay, so I'm really loving the ones I have this week. Actually,
Speaker 5: so the first one comes from a friend of mine,
Speaker 5: not Jess, but actually I do have another friend, one
Speaker 5: other from Bianca, who says, if you keep the you
Speaker 5: know those little pillows in your pill bottles that are like.
Speaker 1: For moisture, oh, like the moisture clothes and stuff. Yeah, pillows.
Speaker 5: So if you put those in like your bathroom drawers
Speaker 5: or your makeup bags and stuff, it's the moisture something something,
Speaker 5: something happening.
Speaker 1: That's a very helpful tips.
Speaker 4: The moisture getting into like your makeup and like your
Speaker 4: undies and sock straw and stuff. Yes, that's all moral
Speaker 4: and smart.
Speaker 1: I put them in my cookie jars when I make cookies. Yes,
Speaker 1: because I like a crispy cookie.
Speaker 5: Oh, that's actually a really good idea.
Speaker 1: It broke tip for you.
Speaker 5: That's great, and then things last longer.
Speaker 1: Because the anchor and i'd get along.
Speaker 5: Well, I actually do think so I really think you'd
Speaker 5: like this. Next one comes from Kylie, who sent me
Speaker 5: a photo of an app. It's called half Price Coles
Speaker 5: Woolwards like your plate store or whatever.
Speaker 1: That is so perfect.
Speaker 4: Someone DMed me this week and said, you need to
Speaker 4: share with your community this half price app.
Speaker 1: Perfect. I haven't had time to look into it, but
Speaker 1: you have. Now it's a broke tip.
Speaker 5: Now it's a broke tip.
Speaker 1: So the app's called half Price.
Speaker 5: It is basically get the latest half price specials from
Speaker 5: Coals and wool Words for free. No catalogs need it,
Speaker 5: even though I do love a catalog.
Speaker 4: Yeah, but also there's an app. You don't have to
Speaker 4: read the catalog. It pulls it all together for you.
Speaker 5: Sure it is better for the environment, isn't it that?
Speaker 1: Yeah?
Speaker 5: You just like you jump on there, you check if
Speaker 5: you want to do if you do a weekly grocery.
Speaker 5: I'm really obviously you guys know what a bad with money,
Speaker 5: So I do a daily grocery shop and it costs
Speaker 5: a lot more money. But if you do do a
Speaker 5: weekly shop, yeah, jump on there first and just see
Speaker 5: what's on, see what's half price, and maybe you like
Speaker 5: do a challenge. We just only get half price.
Speaker 6: Thing I will not pay full price for like cleaning products,
Speaker 6: laundry detergent pods. Be scared, like because they all run
Speaker 6: on a cycle, like every two to three weeks, they
Speaker 6: all go to half price. So I will flat out
Speaker 6: refuse to buy them full price because I know in
Speaker 6: like two or three weeks that we half price.
Speaker 5: That's I didn't know they ran on a cycle. Let's say,
Speaker 5: do good information.
Speaker 6: Yeah, there's a guy on TikTok who there's a he
Speaker 6: made a plugin I think that goes on your Corome browser. Yeah,
Speaker 6: so it sharks it like and you can literally see
Speaker 6: some products like one week it's thirty dollars and the
Speaker 6: next week it's fifteen, and it just alternates weeks.
Speaker 4: Oh, this is something that really makes me quite angry. Actually,
Speaker 4: I wrote an article on Sunday. I write every Sunday
Speaker 4: for the Age and the Sydney Morning Herald. It is
Speaker 4: probably the coolest thing about my career at this point,
Speaker 4: like I have a weekly money column, be for real,
Speaker 4: and I have complete control over what I publish, which
Speaker 4: is very very cool.
Speaker 5: But this week dangerous.
Speaker 6: Yeah.
Speaker 4: But this week I talked about how the A Triple
Speaker 4: C is taking action against coals and bullies essentially for
Speaker 4: price gouging. And I have been really fired up about
Speaker 4: this for a long time because that guy on TikTok
Speaker 4: Jess he shows that, you know, the prices go up
Speaker 4: and the prices go down, but if he goes back
Speaker 4: a little bit further, like he used Oreos as an
Speaker 4: example in one of his videos, and he showed that,
Speaker 4: you know, this week, they were like five dollars a packet,
Speaker 4: and then they were on sale for like three dollars
Speaker 4: a packet, which Becky might go, that's a pretty good deal.
Speaker 4: But then he goes back further and he goes, well, actually,
Speaker 4: six months ago, three dollars was the full price.
Speaker 1: And they would go on sale for two fifty and
Speaker 1: for a dollar. It's crazy.
Speaker 4: Yeah, Like and all of that is fine, but you
Speaker 4: just look at it and go hold on. Your actually
Speaker 4: being quite manipulative here, trying to convince me that three
Speaker 4: dollars is a good deal. For this item when historically
Speaker 4: it was more and obviously oreos. From my perspective, they
Speaker 4: are an essential purchase to me, like they are actually
Speaker 4: a luxury purchase. But this is happening on bread and
Speaker 4: milk and all of the things that we can't control.
Speaker 1: And obviously I follow the news quite closely.
Speaker 4: But Albo our mate Anthony Albanezi, who is our Prime minister,
Speaker 4: posted this week and said have you ever done a
Speaker 4: double take on the specials tag?
Speaker 1: He said, it's not good enough.
Speaker 4: That's why he's beefing up the a Triple C with
Speaker 4: more funding to take on misleading and.
Speaker 1: Deceptive pricing, which is I think a really good thing.
Speaker 4: Like this isn't a political statement at all either, Like
Speaker 4: I'm just sharing that our current government is doing something
Speaker 4: about it and that's what we love to see here,
Speaker 4: not a political conversation.
Speaker 1: And they've introduced new mandatory.
Speaker 4: Food and Grocery Code which means that supermarkets will face
Speaker 4: huge multimillion dollar fines for doing the wrong thing. I
Speaker 4: think that is a very good step in a very
Speaker 4: correct direction when it comes to you know, obviously times
Speaker 4: are tough, Inflation is really hard, the cost of goods
Speaker 4: and services are going to increase, but people taking advantage
Speaker 4: of us during that period of time unacceptable total.
Speaker 1: Perspect You totally agree, Yeah, totally, so good money went back.
Speaker 1: Thank you. Sorry for the side.
Speaker 4: No, it just had some information that I wanted to
Speaker 4: share because this is now a news podcast.
Speaker 5: Please, No, I'm very grateful for all information is good information.
Speaker 1: So tell me what's your broke tip.
Speaker 5: So Jess always has a way of accidentally perfectly segueing,
Speaker 5: because you did say something about plugging before. I really,
Speaker 5: I'm really clutching its straws here, but you say that's perfect.
Speaker 1: Something about plugging from it. You've got to plug in
Speaker 1: for us.
Speaker 5: Yes, So I was buying you know Millie Savage. You
Speaker 5: went to school with Millie Savage. I love Millie Savage. Yeah,
Speaker 5: and I was so I was online. I was buying
Speaker 5: some really savage stuff because it's it's my partner's birthy
Speaker 5: and soon, and I was just like, I was just
Speaker 5: getting early. She was also having a sale, but anyway,
Speaker 5: so there was a sale on and then also I
Speaker 5: went to the checkout and I totally forgot I had
Speaker 5: this the few plugins, a few extensions in my chrome,
Speaker 5: and miraculously without doing literally anything, an extra fifty dollars
Speaker 5: was taken off the pie.
Speaker 4: I'm sorry, what so this extension gave you fifty bucks
Speaker 4: off and did it for you and you didn't even
Speaker 4: have to like I did the discount.
Speaker 1: I don't remember doing anything. I don't like it came
Speaker 1: up and what's the extension?
Speaker 5: So there is Honey, there's also Pouch and coopert all
Speaker 5: of them on Running Broke.
Speaker 4: Tip, have all of the extensions. Don't just limit yourself
Speaker 4: to one, all of them.
Speaker 5: It's like you know, and also make sure you're not
Speaker 5: downloading viruses, but like just just google them and then
Speaker 5: download all of them.
Speaker 1: Download legitimate ones. We know that Honey is legit.
Speaker 4: We know shot back, cash rewards all of those. Like
Speaker 4: you don't have to be monogamous when it comes to
Speaker 4: astly cash back absolutely with everybody.
Speaker 6: Yeah, those things are really good because they often will
Speaker 6: automatically when you get to like your checkout, you'll just
Speaker 6: like run it for you. And so I've used I
Speaker 6: don't know, I haven't used other ones, but I've used
Speaker 6: Honey before and I know that it'll like automatically plug
Speaker 6: in and try like a bunch of discount codes.
Speaker 5: Any that has on file and.
Speaker 1: Like, I love that.
Speaker 6: So it's I literally feel like you know in.
Speaker 1: A way, yeah, because it does it.
Speaker 5: It's like in a movie when someone's like used to
Speaker 5: hacking something, because literally it just is running through coupon codes.
Speaker 6: It'll be like try Happy New Year, happy Birthday, I
Speaker 6: miss you ten Like yeah, runs through any of that.
Speaker 1: That's what I do and check out, honey, the better
Speaker 1: version of me quite possible could replace you.
Speaker 5: It's kind of anxiety inducing though you're like waiting your home.
Speaker 5: It's going to work, but it is good to just have.
Speaker 5: So that's fine.
Speaker 1: I love that.
Speaker 4: So we've got some discounts from Beck, We've got some
Speaker 4: money wins from Jess, we had.
Speaker 1: Some cute five star reviews.
Speaker 4: Let's go to a really quick break because on the
Speaker 4: flip side, we're going to be talking about if paying
Speaker 4: a if your debt should come first when you score
Speaker 4: a sweet bonus, and we're going to be getting into
Speaker 4: something juicier about whether chasing up your mate for a
Speaker 4: couple of dollars is petty or really practical.
Speaker 1: So don't go anywhere. Welcome back, everyone.
Speaker 6: Let's take a listen to the money dilemma.
Speaker 7: Hi, there have you got a money dilemma you just
Speaker 7: can't solve. The Sheese on The Money Team is here
Speaker 7: to help. Every week, we tackle your dilemmas, both big
Speaker 7: and small, to answer your most burning money, career and
Speaker 7: life questions. To get involved, simply head to our website
Speaker 7: and leave us a short voice recording and you might
Speaker 7: just find yourself on the show. Now, let's take a
Speaker 7: listen to this week's money dilemma.
Speaker 8: Hi team, Firstly, you love the pod. I'm single, in
Speaker 8: my thirties and have a really good income. I am
Speaker 8: set to receive a seventeen thousand dollars bonus, which is amazing.
Speaker 8: This is the gross amount and I'm due to get
Speaker 8: it in the next couple of weeks. I'm extremely lucky
Speaker 8: to receive this, but I just wanted some advice on
Speaker 8: how to use it. I want to do some renaults
Speaker 8: on my house and I've wanted to do it for
Speaker 8: a while now, but I also have eleven thousand dollars
Speaker 8: worth of debt and this is not included in my mortgage. Obviously,
Speaker 8: this debt is from past bad decisions, a personal loan
Speaker 8: that has for one thousand dollars left. That was eighteen
Speaker 8: thousand and the rest is on an interest free credit card.
Speaker 8: For trouble, I'd love some advice on how I should
Speaker 8: manage this obviously a big sum of money the renovations
Speaker 8: I really want to do, but I know that having
Speaker 8: this debt gone would make a huge difference. Thanks.
Speaker 4: Okay, I have an answer that I don't want to
Speaker 4: go first, So.
Speaker 1: Beck, what would you do? Okay? So first of all,
Speaker 1: Beckui's like I would just go on a holiday.
Speaker 5: Yeah, seriously, I would not be doing responsible things with
Speaker 5: that money, but that's cool. I just want to say,
Speaker 5: like paying down that debt eighteen thousand dollars like on
Speaker 5: a personal loan tune, which I assume is like quite
Speaker 5: high interest, Like, that's incredible, so very very well done. Personally,
Speaker 5: I don't know, it's probably not the right thing to do,
Speaker 5: but I would just pay the four thousand from the
Speaker 5: personal loans that just like wipe that out of the way,
Speaker 5: and then slowly pay off the interestry credit card at
Speaker 5: your leisure and then you want to do redo's you
Speaker 5: want to do things like that. I would probably see
Speaker 5: how much that costs, maybe put a little bit aside
Speaker 5: for that and see if there was like you know,
Speaker 5: say for example, you want to like do your whole
Speaker 5: bathroom be like, oh, I would feel good right now
Speaker 5: if maybe just the walls were painted, and then do
Speaker 5: the rest later. Like I would probably just find a
Speaker 5: way to do as much as they could with that money,
Speaker 5: the remaining money, and then honestly treat myself with the rest.
Speaker 5: I love that.
Speaker 4: I love that, and I think that working. You said
Speaker 4: something really good about the renovations, Like, for example, I'm
Speaker 4: about to renovate my bathrooms, and like I had no
Speaker 4: idea what that would cost. So like have I renovated before, Yes,
Speaker 4: But like every single time you renovate, it's going to
Speaker 4: be a different amount because there might be different like facilities.
Speaker 4: So for example, in the first house that I renovated, everything.
Speaker 1: Was brick, so, like all the walls were brick.
Speaker 4: Which meant that moving things took a lot of time,
Speaker 4: a lot of energy, really hard. We are now renovating
Speaker 4: in a house that is basically it's like a shack,
Speaker 4: it's like a beach house, and it's got the thinnest
Speaker 4: walls in the entire world. Like some of the walls
Speaker 4: don't even go all the way to the roof, so
Speaker 4: like removing them or changing and super easy, so much
Speaker 4: less of a cost. However, I actually went into Reese
Speaker 4: Plumbing the other day because they like do like that
Speaker 4: free consult thing, and they were explaining that with the
Speaker 4: design that I had drawn, arm there are going to
Speaker 4: be some hidden costs because moving like the toilet to
Speaker 4: where I want to move it to is going to
Speaker 4: be a bit more expensive than I'd anticipated because I
Speaker 4: didn't realize that, like moving the plumbing was like something
Speaker 4: that was so much more expensive.
Speaker 1: And that's fine.
Speaker 4: But your idea of going and getting a budget and
Speaker 4: understanding what it might cost for you is really good
Speaker 4: because you could google it, but like that's not going
Speaker 4: to give you insight. Like I've seen online people who
Speaker 4: renovated their budget for two grand and then people who
Speaker 4: spent fifty thousand dollars and you just yeah, never know, right,
Speaker 4: But I think that's good advice.
Speaker 1: Jess, what would you do?
Speaker 6: I think an important part she said that a lot
Speaker 6: of her debt that she has is from bad past decisions,
Speaker 6: and someone who's also been there, I think an important
Speaker 6: part of like moving out of that phase of your
Speaker 6: life is learning to make sacrifice, because I think it
Speaker 6: really helps you then go what is the cost of
Speaker 6: the things that I did. So, like, if I've spent
Speaker 6: all this money put it on a credit card and
Speaker 6: it wasn't a necessity, Like you went on a holiday
Speaker 6: and maybe you couldn't fall the holidays you put on
Speaker 6: the card. I think an important part of like growing
Speaker 6: out of that habit or that phase is going okay, Well,
Speaker 6: because I did that, I now need to make sacrifice.
Speaker 6: So to me personally, it feels important to pay that
Speaker 6: debt down, even the interest free debt, as much as
Speaker 6: you're not like you're totally right back, like you're a
Speaker 6: bad debt. Yeah, from a financial perspective, like you're not
Speaker 6: losing money to inter on that, I agree, the personal
Speaker 6: loan is definitely the more pressing priority that I would
Speaker 6: say has to be paid off. But I think like
Speaker 6: learning to go, oh, well, I really want to renovate
Speaker 6: my bathroom, but I still need to make up for
Speaker 6: the money that I've spent. And I think that it
Speaker 6: would be a really good way to kind of help
Speaker 6: teach yourself good financial habits to go okay, Like as
Speaker 6: much as I want that thing, knowing that I've earned
Speaker 6: this great sum of money, using that to pay down
Speaker 6: my debt is the more financially responsible choice from my perspective,
Speaker 6: and I think that doing that will really help solidify
Speaker 6: you into good habits, or at least that was my
Speaker 6: personal experience. Like from a financial perspective, you know, the
Speaker 6: interest free card is maybe not the worst thing in
Speaker 6: the world, and maybe you could split the money up
Speaker 6: and that would also work really well. But I mean,
Speaker 6: just speaking on what worked for me, I think maybe
Speaker 6: learning to go okay, Like I want to close that
Speaker 6: chapter of my life of bad spending, and you know,
Speaker 6: make the choice that is maybe not the fun choice,
Speaker 6: not the exciting choice, but the one that will put
Speaker 6: me in the strongest foundational position is probably I would suggest.
Speaker 6: But I mean, you could do it whatever you want.
Speaker 4: So obviously there are two different opinions, and that is
Speaker 4: great because we all do what's in line with our
Speaker 4: own values. And I don't know her values. But if
Speaker 4: I was in this position, I would actually step back.
Speaker 4: I know, I've got seventeen thousand dollars.
Speaker 1: First thing I.
Speaker 4: Would do is actually go and work out what my
Speaker 4: renovations are going to cost, so that I can create
Speaker 4: myself a little budget.
Speaker 1: Then what I'm going to do. I'm going to trot
Speaker 1: down to Zella Money. You need a.
Speaker 4: Good mortgage broker. A mortgage broker is going to sit
Speaker 4: you down and help you structure your debt. And I
Speaker 4: don't think a lot of people know that we do this.
Speaker 1: So you've got.
Speaker 4: Seventeen thousand dollars in cash, that's fantastic. There is heaps
Speaker 4: of things you could do. You could go on a holiday,
Speaker 4: you could pay it all off your mortgage, you could
Speaker 4: pay off your personal debt. You could spend all of
Speaker 4: that money on a renovation. But what I want you
Speaker 4: to do is sit down with a mortgage broker who
Speaker 4: can look at your mortgage and go, okay, cool, do
Speaker 4: you have any equity? What would that look like potentially
Speaker 4: to release some of that equity to spend your renovations.
Speaker 1: Chatting with a broker to say, hey, beck.
Speaker 4: I know that you've bought this apartment and you want
Speaker 4: to do renovations, but what's the long term plan? Are
Speaker 4: you moving out of this in six months? And you go, yeah, well,
Speaker 4: I only bought it so that I could get the
Speaker 4: first homeowners grants and now I want to move out because.
Speaker 1: You know it's not even in the suburb.
Speaker 4: That I want to live in, Like I'm just making
Speaker 4: up a situation, right, And your broker could actually say, well, actually,
Speaker 4: let's step back and look at rental yield in the area. Well, Beck,
Speaker 4: I know you want a new kitchen, and that sounds great,
Speaker 4: Saw Victoria do her Kerboodle kitchen look to the elite,
Speaker 4: but it doesn't actually add any value to you leasing
Speaker 4: out your property. So you know, spending ten grand on
Speaker 4: the kitchen is probably not actually a good investment because
Speaker 4: your kitchen's fine. Maybe aesthetically you don't like it, but
Speaker 4: they're going to be able to give you some ideas
Speaker 4: and some insight as to whether the decisions you're making
Speaker 4: around renovation are going to add to value or over
Speaker 4: capitalize the property, which is a really important factor to
Speaker 4: take into consideration when doing renovations, because you don't want
Speaker 4: to go all right, well, I bought my apartment for
Speaker 4: five hundred thousand dollars and then oh, it's not the
Speaker 4: right kitchen and not the right bathrooms, and I'm not
Speaker 4: going to leave here forever, but I'm going to spend
Speaker 4: some money on it, and then you actually ultimately have
Speaker 4: put more money into this property than what you would
Speaker 4: get back if you sold. It is not putting you
Speaker 4: and future you in the best possible position. Obviously that
Speaker 4: is not necessarily the reality of her situation. But what
Speaker 4: I want you to get from this is that talking
Speaker 4: to a mortgage broker is going to put you in control.
Speaker 4: That mortgage broker can then sit you down and have
Speaker 4: a look at your debt. So one thing a mortgage
Speaker 4: broker can do as well is take that interest free
Speaker 4: loan and maybe consolidate it with your mortgage. They could
Speaker 4: also advise you to pay it off from your seventeen
Speaker 4: thousand dollars worth of cash. I definitely think that that
Speaker 4: high interest four thousand dollar loan should be knocked on
Speaker 4: the head pretty quickly. But again, there's so many moving parts.
Speaker 4: But what I would be doing is getting some advice.
Speaker 4: And the money in here is that talking to a
Speaker 4: mortgage broker most of the time, and I know in
Speaker 4: my business it is. It's free, So like you're not
Speaker 4: going to pay to go to Zella money. Some mortgage
Speaker 4: brokers do charge. That's not necessarily a bad thing, it's
Speaker 4: just that's their choice.
Speaker 1: I just don't.
Speaker 4: And the reason I don't charge for appointments is because
Speaker 4: I know that I will be paid by the bank
Speaker 4: for settling your loan, and I don't want to double dip.
Speaker 4: I just doesn't see it right with me, And that's fine,
Speaker 4: But that's probably where I.
Speaker 1: Would go with that.
Speaker 5: Okay, I like it. I like it.
Speaker 4: Just get advice, Like, if you've got these experts at
Speaker 4: your disposal.
Speaker 1: Why are we not using them?
Speaker 4: Absolutely, Like, I know that you're trying to do the
Speaker 4: absolute right thing, and that's so exciting, but like zoom
Speaker 4: out of it. Be like, oh, I could talk to
Speaker 4: a mortgage broker, you know what, they might even be
Speaker 4: able to refinance your loan, like and get you a
Speaker 4: lower interest rate, and across the board, you'd be able
Speaker 4: to pay off your mortgage quicker and you'd be in
Speaker 4: an even better financial position.
Speaker 1: So true, sexy.
Speaker 4: All right, let's get into something a little bit sparky.
Speaker 1: Are you ready? Are you ready?
Speaker 4: So this week we got a DM and it sounded
Speaker 4: exactly like this, heyshi's on the money.
Speaker 1: I've been labeled the tight us in my.
Speaker 4: Group, so I need some advice, fairpoint with the right
Speaker 4: people to come to.
Speaker 1: Absolutely.
Speaker 4: The other night, eight of us went bowling and had
Speaker 4: food and drinks, etc. I paid the entire bill to
Speaker 4: make it easier, and one of the girls calculated everyone's share.
Speaker 4: Then everyone transferred me their bit. The next day, I
Speaker 4: was checking my bank, as you do, and I noticed
Speaker 4: I was four dollars and twenty five percent short per person.
Speaker 4: I know it's small, but across eight people that's like
Speaker 4: thirty four dollars, which is not nothing. So I mentioned
Speaker 4: it to the group super casually, not thinking it would
Speaker 4: be a big deal. Well, now the girls are calling
Speaker 4: me the receipt police and making jokes about me double
Speaker 4: checking every cent. They've even sent memes to the group chat.
Speaker 4: I honestly didn't think that four dollars twenty five was
Speaker 4: a big deal. I was just cleaning up. But it's
Speaker 4: still my money. Right now, I'm feeling like the villain
Speaker 4: for bringing it up. Was I being too petty or
Speaker 4: was I right to ask for the full amount to
Speaker 4: be fixed up? And how do I stop the teasing
Speaker 4: without making it more awkward?
Speaker 6: Oh my god, I'm so sorry that they're doing you mean,
Speaker 6: it's awful.
Speaker 5: I can't imagine in any friend group I've ever had
Speaker 5: that someone would be like one personal and everyone would
Speaker 5: be so comfortable knowing that I'm out of pocket so much.
Speaker 4: Absolutely not said I calculated it, or in this situation,
Speaker 4: somebody else calculated it for you, they miscalculated it. I
Speaker 4: think that everyone should be transferring it to you, but
Speaker 4: also that person should be like, oh, sorry, beg to
Speaker 4: put you in that position.
Speaker 5: Totally because if you're like, hey, it's sorry, actually five
Speaker 5: bucks each, but because it's you know, everyone, it's like
Speaker 5: a significant blow to my bankyard. There's I wouldn't even
Speaker 5: have to finish that sentence for anyone ever, like yeah, yeah, absolutely,
Speaker 5: like I'll transfer right now, you know, like not a
Speaker 5: big deal at all. There's I know it's it's hard
Speaker 5: to say.
Speaker 4: Thirty four dollars is so much money as well, Like
Speaker 4: don't get wrong, Like some.
Speaker 1: People will be like, oh I could cover that.
Speaker 4: That is your privilege, Like that is such a nice
Speaker 4: position to be and if you were, like, I wouldn't
Speaker 4: worry about that. I am so grateful for you. I
Speaker 4: totally get that. I'm so happy that you're in that position.
Speaker 4: But not everybody is in a position where carrying thirty
Speaker 4: five dollars of unexpected cost is reasonable for them, or
Speaker 4: even fair. Why would you want to put your friend
Speaker 4: in a financially stressful position.
Speaker 5: Yeah, I think personally, last resort for any scenario is
Speaker 5: get new friends, resort catcher. I feel like maybe you
Speaker 5: need a nicer community around you because they do not
Speaker 5: seem like nice.
Speaker 1: Friends will be your friends. I'll transfer you five bucks.
Speaker 5: I'll transfer five bucks right now, send me a pay idea.
Speaker 5: I'll send you five bucks. I'll send you thirty four dollars.
Speaker 1: That's fair, But jess, what would you do.
Speaker 6: I feel like I've said something similar to this before,
Speaker 6: where it's really annoying because you do feel kind of
Speaker 6: like a jerk when you're like, oh, you're only three
Speaker 6: dollars or four dollars. Like, I get that it's kind
Speaker 6: of embarrassing to say to someone hey, or like, because
Speaker 6: you do feel petty like it shouldn't be day. Well
Speaker 6: that's exactly. Oh it was my Christmas. This happened to
Speaker 6: me one yeah, like I like paint everything, and it
Speaker 6: was yeah. Anyway, So I fully understand that pain, and
Speaker 6: I think maybe the best way to communicate it to people,
Speaker 6: like again, not that you should have to justify it,
Speaker 6: but you know, obviously understanding that you want to soften
Speaker 6: the blow and not be teased anymore, I would maybe
Speaker 6: just point that out to them, like, oh, four dollars
Speaker 6: from one person seems like nothing.
Speaker 1: It's a coffee. But when it's everybody adds to.
Speaker 4: The group chat to a certain amount in group chat,
Speaker 4: I want to be added.
Speaker 1: I've got stuff to say to them.
Speaker 4: I mean, like, Hi, I'm just here. Was this bullying
Speaker 4: about money? That's weird from you? That's a very strange
Speaker 4: thing to say publicly.
Speaker 5: Yeah, yeah, totally weird.
Speaker 6: Like I think if it was me, I would just
Speaker 6: message the group chat and say, hey, I was like,
Speaker 6: maybe lean into the joke a little bit to make
Speaker 6: it easier on yourself and be like I don't mean
Speaker 6: to be received police, but you know, with everyone owing
Speaker 6: me money amount and I you know, again, if it
Speaker 6: was me, i'd probably just be like, oh, and I
Speaker 6: had really planned on spending that money on something. So
Speaker 6: we don't have to justify yourself though you shouldn't have to,
Speaker 6: But I also understand the need if you're not great
Speaker 6: with confrontation, to soften that blow.
Speaker 1: So that's kind of that's.
Speaker 4: Why I liked before that we waited until that person
Speaker 4: had left the country.
Speaker 1: With our boss. We just girls.
Speaker 6: Yeah, So like I would probably kind of try and
Speaker 6: show the bigger picture and maybe say, oh, I had
Speaker 6: it allocated to something like that's why I'm kind of
Speaker 6: chasing it that like be like, oh, I'm so sorry,
Speaker 6: but like I had it set aside for someone's birthday present,
Speaker 6: even if that's not true. Just that's what I would
Speaker 6: do to make myself a bit more comfy. And I
Speaker 6: think not that this helps your situation right now, but
Speaker 6: probably a good lesson of everyone going forward is if
Speaker 6: people are your money, maybe you be the one that
Speaker 6: works it out so that you can make sure that
Speaker 6: it's done correctly.
Speaker 1: Yeah the first time.
Speaker 6: But like as you said back, like the very much
Speaker 6: the overwhelming thing is people should not be making you
Speaker 6: feel that way. And I'm so sorry that they are.
Speaker 6: That's horrendous.
Speaker 1: And you're not like to send them this podcast? Yeah,
Speaker 1: say this podcast.
Speaker 4: And be like skip to sixteen minutes and forty three seconds.
Speaker 6: I dare you and listen to the three of us
Speaker 6: saying we think you're objecked.
Speaker 4: So you yeah, because here first, Oh honestly I would
Speaker 4: follow them up. I feel like I'm the type of
Speaker 4: person that if you make fun of me for that,
Speaker 4: like I just I want to make you uncomfortable, Like
Speaker 4: I would be the first to be like, that's a
Speaker 4: really weird thing to say out loud.
Speaker 1: Aggressive I like it. Yeah, that's a really weird thing
Speaker 1: to say.
Speaker 5: Yeah, like that should have been an inside thought.
Speaker 1: Your inside thoughts are currently outside. Was that a mistake?
Speaker 4: No, but genuinely, like, oh, I didn't realize it was
Speaker 4: an issue.
Speaker 1: My bank account details are Yeah, I don't even like, like.
Speaker 4: We don't need to play into the drama like your option.
Speaker 4: Your friends are kind of being dicks and I don't know,
Speaker 4: like I thankfully don't have any friends that I would
Speaker 4: ever feel like I need to call out, Like I
Speaker 4: feel like all of my friends if I was like
Speaker 4: far out that was five dollars shorts, like the same
Speaker 4: as your friends back there immediately, Oh, let me fix that,
Speaker 4: Like totally, I'm also the same, like I don't want
Speaker 4: people to be out that I think on a deeper level,
Speaker 4: like even going bowling and having some drinks. I remember
Speaker 4: back when I was at university having to think really
Speaker 4: carefully about the social engagements that I was partaking in,
Speaker 4: Like I would have googled the bowling alley and made
Speaker 4: sure that I could afford the game that my friends
Speaker 4: wanted to do, I'd probably extrapolid it out in my
Speaker 4: head and be like, oh, what if they want to
Speaker 4: do a second one? How much would that cost? I
Speaker 4: probably already looked at the menu like to make sure
Speaker 4: that it was in my budget, because like I didn't
Speaker 4: have money, and if I did, I didn't want to
Speaker 4: feel uncomfortable in a group situation, like I feel like
Speaker 4: we've all been there at some point where we're like, oh, yep,
Speaker 4: I can afford that to then be thirty four dollars
Speaker 4: out like I couldn't have afforded that, and flipping back
Speaker 4: to who I used to be, and I'm very privileged
Speaker 4: to have, like I guess glowed up since then financially,
Speaker 4: but like flipping back to who I used to be
Speaker 4: that would have kept me up at night.
Speaker 1: That would have made me feel sick.
Speaker 4: And then for people to be mean to me about that,
Speaker 4: like why are you shaming someone about money? Like that's
Speaker 4: giving me the ick that these people think that that's okay,
Speaker 4: Like I mean flipping the narrative a little bit, who knows,
Speaker 4: like maybe this money this diarist because we always lack
Speaker 4: a lot of context here, maybe this person who has
Speaker 4: written in everybody knows that Jessica has Daddy's credit card,
Speaker 4: and Jessica actually put bowling on Daddy's credit card. So
Speaker 4: maybe they're playing a little bit of like a game
Speaker 4: because they're like, yes, you didn't even pay for that,
Speaker 4: and you're chasing up that five dollars, like, and maybe
Speaker 4: they know something we don't. I'm not justifying it, but like,
Speaker 4: I just think that any type of money shame not acceptable.
Speaker 6: No, you star money, pay them the money, regardless of if
Speaker 6: it's five hundred dollars or five dollars, doesn't matter.
Speaker 4: Exactally thick about it. We obviously asked the community. We said,
Speaker 4: would you ask everyone for the four twenty five? Fifty
Speaker 4: one percent of you said yeah, it's my money. Forty
Speaker 4: nine percent of you said no, I'd leave it. And
Speaker 4: I'm pretty convinced that forty nine percent of you who
Speaker 4: said that you'd leave it, you just would leave it
Speaker 4: because it's awkward, Yeah, totally like not because you don't
Speaker 4: believe it's your money.
Speaker 1: You're just like, oh, I wish it was calculated. Probably
Speaker 1: at the start.
Speaker 5: Yeah, Unfortunately, there is there have been times where, like
Speaker 5: I'm sure there are people out there who and myself included,
Speaker 5: where you have literally three cents and you're like, I.
Speaker 1: Have thirty money ale grocery shop.
Speaker 4: Yeah, totally cut that out. And also, we live in Australia.
Speaker 4: It doesn't cost us anything to transfer our friends' money
Speaker 4: like that, four dollars and twenty five cents. It's going
Speaker 4: to cost you nothing except the four dollars and twenty
Speaker 4: five cents to put it in someone else's account.
Speaker 1: Yeah, just do the right thing.
Speaker 4: We also ask the community there are two types of people,
Speaker 4: those who ask for and transfer the exact amount to
Speaker 4: the cent and those that use round numbers.
Speaker 1: Who are you? I feel like that's so interesting.
Speaker 4: Which one are you? We said every cent counts. Thirty
Speaker 4: six percent of you said yes, and sixty four percent
Speaker 4: of you said, actually, I only deal in round numbers.
Speaker 6: Yeah, I agree, but I always round up, always round.
Speaker 1: That, always round up.
Speaker 4: Like, Jesse, if the bill's thirty eight dollars fifty, what
Speaker 4: are you transferring?
Speaker 1: Wait, thirty eight, thirty nine dollars?
Speaker 5: Yeah, nine dollars yeah yeah, yeah, Like we're not lying crazy,
Speaker 5: We're not going to fifty.
Speaker 4: No, but like you get a little bit of tax
Speaker 4: you get a little bit of tax. Yeah, because you
Speaker 4: are the one that took it for the team.
Speaker 1: Yeah, I agree.
Speaker 5: That's the other thing that's really unfair about this is
Speaker 5: not wanted to be the one to pay the full bill.
Speaker 1: You guys didn't put your hands up.
Speaker 4: Yeah, I put my hands up and I paid for
Speaker 4: this and now I'm out for this.
Speaker 5: You are good deed for a good deed.
Speaker 1: One out of ten.
Speaker 5: See that good deeds, no good deed.
Speaker 1: Sorry, that's a weiked reference for anybody.
Speaker 5: Seen that. But I love the singing.
Speaker 1: Thank you.
Speaker 4: We can move on from the singing, because, like, while
Speaker 4: I love the singing, it's not good.
Speaker 1: It's not good, not ideal.
Speaker 4: But we said to the community, all right, we're gonna
Speaker 4: need your two cents, and I've got a few for you.
Speaker 4: So first person said, why should the friend have to
Speaker 4: pay another thirty five bucks on top.
Speaker 1: Of what everybody else has already paid.
Speaker 5: Completely exactly plea.
Speaker 4: Someone else said, just leave the group chat. They don't
Speaker 4: sound like very good friends.
Speaker 1: Whitney in general. All right, yeah, Paula Whitney, leave the
Speaker 1: group chat.
Speaker 4: Someone else said, I use split wise with my friends
Speaker 4: and it helps so much.
Speaker 1: I do love split wy.
Speaker 4: Yes, I adore split wise. Every time I travel with friends,
Speaker 4: we use it. But also if somebody put the wrong
Speaker 4: amount into split wise, the same problem, same problem.
Speaker 5: Yeah that's true.
Speaker 4: But also split wiz does really make things clear. Someone
Speaker 4: else said she can lean into being the receipt police
Speaker 4: back cop memes and she's on the money rhetoric.
Speaker 6: Photoshop yourself into that one of the cop with the
Speaker 6: mustache pointing being like, you.
Speaker 1: Send it to all of them.
Speaker 5: Yeah, this is a good idea.
Speaker 1: We will make you a meme, just and it will
Speaker 1: make you a meme. And it's me.
Speaker 4: It's me looking down the barrel of the camera being like,
Speaker 4: I will find you. Yeah, Hi, sorry, I just heard
Speaker 4: that you don't pay weird. Someone else said, I never
Speaker 4: pay the bill for others, as they take ages to
Speaker 4: pay me back, and I'm the one that always pays
Speaker 4: back immediately. See, this is what happens when you're a
Speaker 4: good guy.
Speaker 5: I feel like, you know those people that take all
Speaker 5: the photos and they take forever to send it, they're
Speaker 5: the same people that take forever to send money. So
Speaker 5: I would steer clear. It's a good sign, and I
Speaker 5: think steer clear of those ones.
Speaker 1: Yeah, yeah, well, just go places that split the bill. Yeah,
Speaker 1: split the bill.
Speaker 5: I'd love to split the bill.
Speaker 1: Someone else said, I'd actually drop it because that's who
Speaker 1: I am as a person. But I would never offer
Speaker 1: to pay the bill to make it easier for anyone. Again. Yeah,
Speaker 1: I'll take them off ont it. Someone else said, let
Speaker 1: it go. There's bigger world problems. Must be nice.
Speaker 5: Well that point of view, that might be the biggest.
Speaker 5: That might be a big problem.
Speaker 8: Yeah.
Speaker 1: Someone else said, sorry, think you need new friends. I'm
Speaker 1: a nice lady. Please still sweet, big friends.
Speaker 4: Someone else said, thirty four bucks is half a tank
Speaker 4: of petrol. If it was one or two people, Sure,
Speaker 4: five bucks is no big deal, but eight people that's
Speaker 4: a lot.
Speaker 5: Absolutely.
Speaker 1: Someone else said, only dealing round numbers. I round up.
Speaker 1: I consider it the tax to the person who paid. Agreed.
Speaker 1: I agree. Good place to leave it. My friends.
Speaker 4: As always, we hope you have a beautiful weekend. If
Speaker 4: you haven't joined our Facebook community, please do that because
Speaker 4: I just love having all my friends there that want
Speaker 4: to see and pay pet tax.
Speaker 1: I just mentioned Whitney and tomorrow.
Speaker 4: I have a secret lives of the Mormon wives or
Speaker 4: deep Dive coming for you. So if you've stayed to
Speaker 4: the end of this episode. You now know what's dropping tomorrow,
Speaker 4: so we will see you or I will see you tomorrow,
Speaker 4: but the rest of the team will.
Speaker 1: See you next week. Have a good weekend, guys.
Speaker 5: Bye, guys Bye.
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