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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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

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Speaker 2: Millennials who want financial freedom. Today, my friends, it is Friday,

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Speaker 2: which means we actually have gotten the team back together

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Speaker 2: and we are here to celebrate you our incredible She's

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Speaker 2: on the Money community today, Miss Jess Gottria. She's going

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Speaker 2: to be sharing our favorite money wins. We've got Becksaed

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Speaker 2: on board to share her best to broke tips. We're

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

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Speaker 2: which this week is all about Medicare rebates and we're

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Speaker 2: going to be unpacking something you slid into our DMS

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Speaker 2: about buying gifts in relationships, which I think can be

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Speaker 2: a little bit of a fun topic. I can't wait

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Speaker 2: to see what the community has said. But before we

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Speaker 2: get there, Jessica, Hello, are you feeling better?

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Speaker 4: I am.

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Speaker 5: The flu knocked me for six, but that's okay. I'm

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Speaker 5: back and better than ever.

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Speaker 2: My favorite thing about that is that you just were

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Speaker 2: refusing to let it get you down. You were like, oh,

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Speaker 2: can you jump on zoom? And I'm like, no, you

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Speaker 2: need to go to bed. And You're like, I just

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Speaker 2: really want to do this one thing. And I'm like, okay,

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Speaker 2: no worries, let's do this one thing. And then I'm like,

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Speaker 2: you look like you died. Go to bed.

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Speaker 4: I don't do well with not being able to do anything.

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Speaker 2: Yeah, no, I get that. I'm the same, But as

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Speaker 2: your employer, I think it's important that I push you

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Speaker 2: to go back to bed. It just feels so irresponsible

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Speaker 2: to be on a zoom with someone who is unwell.

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Speaker 2: I'm like, go to bed. It's very sweet of you.

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Speaker 2: It's not even about the business. I just feel guilty.

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Speaker 6: Back, Yeah, that's fair.

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Speaker 2: Why are you doing this. Please, it doesn't matter. So

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Speaker 2: you're better, You're back on board. This is very good.

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Speaker 1: Ed.

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Speaker 2: How has your week been? Did you like doing an

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Speaker 2: episode without Jeff's I no, I didn't.

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Speaker 7: Like it out with you one on one good safe,

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Speaker 7: But I love when the three of us.

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Speaker 2: I think the three of us make the episode. Yeah,

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Speaker 2: I think it's way better with Jesse here, so much better.

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Speaker 2: We just went broke. There was nobody to keep us

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Speaker 2: in mind, tell us stop stopped. We will like block

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Speaker 2: her out, block her out. But when you're on, mica

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Speaker 2: into shape.

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Speaker 4: Yes, exactly, in a kind gentle way.

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Speaker 2: So we've had good weeks? Have we really good week?

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Speaker 2: Good to hear. I'm very excited. Let's dive straight in.

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Speaker 2: I really want to know, miss Jess. I got to

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Speaker 2: do this last week and it was actually so much fun.

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Speaker 2: I was kind of like, oh, hope just isn't around

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Speaker 2: this week, so I get to do it again. But

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Speaker 2: what were your favorite money wins and confessions from the

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Speaker 2: community this week.

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Speaker 5: My first money win this week comes from Aaron, who

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Speaker 5: said money win, I wanted cocktail glasses for my Tea

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Speaker 5: Swizzle birthday party on Saturday.

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Speaker 2: Your GCE is a birthday.

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Speaker 5: Very tempted to buy the Kmart glasses, but sixteen dollars

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Speaker 5: for four was a no. So I went to the

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Speaker 5: op shop and I got six glasses for four dollars

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Speaker 5: and another six for six dollars.

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Speaker 4: So she got you win twelve for ten dollars.

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Speaker 6: WHOA, that's so good.

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Speaker 5: Good quick math ado not the fastest, but we got there,

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Speaker 5: and well we did it.

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Speaker 6: We got there.

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Speaker 2: Speaking about getting there, I really don't think my invite

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Speaker 2: to the Tea Swizzle party got there.

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Speaker 4: No, get them, Mustard must miss my inbox.

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Speaker 2: What do you think people? Do you dress up at

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Speaker 2: a tea Swizzle birthday party?

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Speaker 4: Surely?

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Speaker 2: Yeah?

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Speaker 4: Sure, you pick your favorite error or your favorite outfit.

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Speaker 6: What's tea Swizzle?

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Speaker 2: Wait? Sorry, I was Are you done?

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Speaker 5: Ignore me?

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Speaker 7: Actually immediately you're Both of your faces were kind of scary.

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Speaker 1: Do it?

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Speaker 7: Literally stopped and turned very slowly towards me.

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Speaker 2: I thought she was doing it, bade us. I did

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Speaker 2: realize it was a bit.

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Speaker 6: I wish it was a bit.

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Speaker 2: Be Yes, you literally work for a radio.

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Speaker 5: Swizzled Tea Swizzle tea pain wrapping on the same.

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Speaker 6: Track now we're talking about Taylor Swift.

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Speaker 2: Definitely Okay, she's onto it. You know what's slower than

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Speaker 2: Chess's quick mass you what else you got?

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Speaker 5: Next, I've got a win from Karen, who said, after

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Speaker 5: binging and starting my shoes and the money journey, I

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Speaker 5: paid off my after pay.

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Speaker 2: Congrats and welcome to the family.

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Speaker 5: I also figured out what I want to be when

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Speaker 5: I grow up after a lifetime of being indecisive.

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Speaker 2: How cool. That's actually the best win ever. That's a

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Speaker 2: life win.

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Speaker 5: Yeah, and now I'm really curious. So Karen, please ri

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Speaker 5: prop back please. Next, I've got a money win from

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Speaker 5: a character.

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Speaker 2: Was it Karen? She wants to be the manager car

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Speaker 2: o n Okay, oh, she wants to be She doesn't

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Speaker 2: want to be the manager.

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Speaker 6: She doesn't want to be that.

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Speaker 2: She probably wants to be zoologist.

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Speaker 4: Something you fancy that?

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Speaker 2: Moving on.

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Speaker 5: Next, money whin I've got is from Amanda, who said,

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Speaker 5: I finally gave in and took my sixteen year old

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Speaker 5: op shopping walked out with a Robovac for fifty dollars.

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Speaker 2: That's a money win.

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Speaker 4: Purchased a replacement filter pack with new brush rollers and

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Speaker 4: stuff for one hundred and now I'm the proud owner

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Speaker 4: of what would have cost almost six hundred dollars for

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Speaker 4: the same model.

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Speaker 2: That's a money wow. That is a great win. That

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Speaker 2: is a great robot fact will change your life. My

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Speaker 2: name's like my robovac. Its name's Jeeves, and like Jeeves

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Speaker 2: is quite dramatic.

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Speaker 4: But she remember we stuck googly eyes on it?

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Speaker 2: Yeah, like really big one was I meant to take

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Speaker 2: them off?

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Speaker 4: I will find you.

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Speaker 2: There's a whole video of the Instagram.

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Speaker 4: Yeah, it's very funny.

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Speaker 5: I'll show you after next I've got a money win

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Speaker 5: from Linda, who said I'm a third year nursing student

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Speaker 5: and currently on my last placement. Parking at the hospital

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Speaker 5: is expensive. There is a concession and student rate. Normally

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Speaker 5: parking would cost twenty five dollars for eight hours. For

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Speaker 5: the public concession is only eight. I also ended up

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Speaker 5: getting free parking one day because my Apple pay got

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Speaker 5: declined and I rang for assistance, and after what felt

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Speaker 5: like five minutes of delay, the security guy just let

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Speaker 5: me go.

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Speaker 2: Oh that's a money win. But also, are you joking

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Speaker 2: you as a baby nurse. No, but like you should

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Speaker 2: not be paying for parking. You already are doing so

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Speaker 2: many hours of unpaid work and now you also have

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Speaker 2: to pay for parking. You have to pay for the

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Speaker 2: privilege in the bin. I have so many thoughts about that.

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Speaker 2: We should do a whole episode, Jess about the system

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Speaker 2: that I do not believe in paid unpaid Sorry intern

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Speaker 2: shep h unpaid placements because in twenty twenty three that

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Speaker 2: I knew there's such privilege in it. Like what if

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Speaker 2: people want to become a nurse, but you moved out

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Speaker 2: of home at sixteen and don't have the capacity to,

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Speaker 2: you know, go and do unpaid work because it's just

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Speaker 2: not within the breadth of your budget.

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Speaker 6: One hundred and.

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Speaker 4: Twenty bucks if you're working five days a week just

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Speaker 4: on parking.

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Speaker 8: That's insane.

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Speaker 2: That's insane, and you have to meet a certain amount

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Speaker 2: of Anyway, we're not going to even get there.

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Speaker 4: Don't get on the rant off, get off the ram

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Speaker 4: train and save it for later.

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Speaker 2: That is not a deep dive episode, Victoria.

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Speaker 5: Next, I've got money in from Brook who said I

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Speaker 5: used shop back to buy two hundred dollars in vouchers

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Speaker 5: for the Iconic as a gift to myself. Gen U

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Speaker 5: shot back earnings entirely to pay for them, and then

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Speaker 5: I made twenty bucks.

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Speaker 4: Cash back on my purchase.

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Speaker 5: It's great, gamed the system incredible. And lastly, I have

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Speaker 5: a money win from Natalie who said I took my

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Speaker 5: parents out for Italian for Father's Day dinner. We didn't

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Speaker 5: order dessert. We grabbed eighty cent macis cones on the

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Speaker 5: drive home instead. Biggest serving ever. And I wanted to

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Speaker 5: bring this to your attention because Natalie gave us a phone.

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Speaker 5: It's chocolate and vanilla in one I'm sorry, what cool

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Speaker 5: they the tone?

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Speaker 4: Did anybody else know that this?

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Speaker 1: Know?

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Speaker 2: I don't know where that is either, because the cones

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Speaker 2: near my house are like a dollar. So what in

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Speaker 2: the money win?

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Speaker 4: I don't know, but I need someone to tell me.

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Speaker 4: Is this thing?

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Speaker 2: They now have chocolate soft serve and this has just

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Speaker 2: gone above our heads.

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Speaker 4: Well, and this one is chocolate vanilla swelled together.

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Speaker 2: The jess is like, I need them both. I don't

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Speaker 2: just need a chocolate. Do you remember chocolate from Wendy's?

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Speaker 2: Oh my god, Wendy's was so od. That was the

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Speaker 2: best ice cream. I don't know, So you remember Wendy's

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Speaker 2: the hot dogs?

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Speaker 6: Yes?

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Speaker 2: Yes, yes, They used to have like a soft serve

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Speaker 2: machine and it was like I think it was like

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Speaker 2: I think it was marketed as like a diet ice

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Speaker 2: cream chocolate. Yeah, we don't stand diet ice cream, but

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Speaker 2: I think it was marketed as like a lower fat

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Speaker 2: option and so like the mums are around it. But

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Speaker 2: I was obsessed chocolate, full stop, end of story. I

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Speaker 2: don't care how calories it does or doesn't have. Of like,

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Speaker 2: I'm there for the chocolate soft serves.

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Speaker 4: Seriously incredible and that's my last money win for them.

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Speaker 2: I love that. Thank you for that. I feel like

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Speaker 2: I'm inspired.

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Speaker 4: Drive through on the way home.

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Speaker 2: I mean, I am planning on getting some sneaky chippies

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Speaker 2: because I deserve them.

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Speaker 4: You do.

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Speaker 2: Everybody deserves some sneaky mac is chippy. Absolutely, They're not

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Speaker 2: a money win though, Beck. Yes, what have you got

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Speaker 2: this week for your broke tips?

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Speaker 7: Okay, strap in, Oh, actually nothing super exciting.

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Speaker 6: I'm sorry to get your hopes up, but I would

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Speaker 6: say very useful.

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Speaker 2: So that's the best kind of broke tip.

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Speaker 7: Let's feel honest, best kind of broke tip. My first

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Speaker 7: broke tip for this week comes from Emily, who has

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Speaker 7: said for those with babies, there are lots of free

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Speaker 7: things to do with babies. Run by the library's council's

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Speaker 7: community centers to take babies too, like sing time, playgroups,

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Speaker 7: baby massage courses that are sometimes one hundred and fifty

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Speaker 7: dollars privately.

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Speaker 2: That's kind of cool, is really cool. I didn't even

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Speaker 2: know that was the thing. But you can alway because

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Speaker 2: noone at this table has babies.

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Speaker 7: Yeah, exactly, but still for anyone listening who does have

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Speaker 7: little babies, but basically the council pays for them. It's

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Speaker 7: a great way to meet new parent friends or go

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Speaker 7: with friends instead of going to a brunch or something

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Speaker 7: that's more expensive. And it really smart to get out

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Speaker 7: of the house while on parental leave when the money

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Speaker 7: is often tight.

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Speaker 2: Yeah, because if you're on parental leave, you're either being unpaid,

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Speaker 2: like you're maybe down to one income or have unpaid

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Speaker 2: leave completely, or maybe you're like on half pay or

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Speaker 2: something and money is tight. And what you forget is

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Speaker 2: that like nappies and baby basics are actually really expensive

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Speaker 2: and do eat into your budget totally. Do you know

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Speaker 2: a hack obviously complete side note a hack that one

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Speaker 2: of my girlfriends did recently at a baby shower, and

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Speaker 2: I just thought it was so smart so they didn't

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Speaker 2: find out the gender they were having like a baby

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Speaker 2: shower that was also the gender reveal, and they said,

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Speaker 2: bring wipes if you think it's a boy, and bring

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Speaker 2: nappies if you think it's a girl. That's great. So

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Speaker 2: she like got to stock up on all these basics

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Speaker 2: she actually needed instead of like six million qued outfits,

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Speaker 2: which I guarantee she's already bought and I already bought

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Speaker 2: for her, so she didn't need outfits, but she definitely

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Speaker 2: needed nappies and she definitely needed wipes.

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Speaker 6: And I was like, Yeah, that's very clever.

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Speaker 2: So that's my that's my input to the broke tip.

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Speaker 2: I ask for what you need?

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Speaker 7: Is it ask for you need to exactly you have

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Speaker 7: a little registry.

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Speaker 2: I think that's smart.

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Speaker 6: I love that.

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Speaker 7: My second broke tip this week comes from Nicole, who says,

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Speaker 7: buy Wooly salads when they are on sale for once

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Speaker 7: two dollars on Friday afternoons. They are still fine for

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Speaker 7: a few days for lunches and dinners over the weekend

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Speaker 7: and to start off your work week, and they are

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Speaker 7: a quarter of the price as well, so that's pretty cool.

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Speaker 6: I didn't even know they did that.

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Speaker 2: Good to know what day well, actually, yeah, to know

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Speaker 2: that it's like a Friday. It might be different for

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Speaker 2: different locations, but maybe have a snoop. Also, shopping close

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Speaker 2: to nine pm when they do their mark downs is

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Speaker 2: a good time.

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Speaker 4: Sweeping and gather the deals.

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Speaker 2: Do you know what else is really good that I've

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Speaker 2: learned recently from TikTok. I feel like all I do

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Speaker 2: is talk about TikTok on this podcast. This is basically

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Speaker 2: she's on TikTok, not she's on the money. Is you

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Speaker 2: can buy those cheap salad mixes, but if you get

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Speaker 2: the coal slaw one, you can just use it in

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Speaker 2: a stir FRYE. It's like the stir fry based because

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Speaker 2: obviously like cabbage and carrot and all of that stuff

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Speaker 2: you put in a stir fry. Like, if it's so

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Speaker 2: much down, there's your sturfry for real cheap.

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Speaker 6: That's clever.

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Speaker 1: Kay.

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Speaker 2: What have you got though? What's your actual broke tip?

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Speaker 2: Because I feel like I've interrupted with a few sneaky

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Speaker 2: ones this week? Sorry not sorry?

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Speaker 6: So my one for this week is, have you guys

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Speaker 6: heard of E Club? It's an app? No, it's like

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Speaker 6: a it, yes, but.

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Speaker 2: I can't remember what they do.

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Speaker 6: That's fair.

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Speaker 7: Sorry, well I actually hadn't heard of it, but my

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Speaker 7: friend was telling me about how she went to It's

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Speaker 7: basically an app where you can search like locations around

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Speaker 7: your restaurants, foody sort of places, and see what kind

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Speaker 7: of deals they've got going on. You might be able

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Speaker 7: to find a fifty percent off whole meal or whatever

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Speaker 7: you've got. You have a little peruse on the app

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Speaker 7: if you're wanting to go out. It's more so like

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Speaker 7: you're broke, but you're not too broke that you can't

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Speaker 7: go out with mates, but you still want to not

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Speaker 7: spend too much money. That's going to club, Find what's

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Speaker 7: around you, see what's cheap, see what's on special last

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Speaker 7: minute deals, and you might find yourself a very cheap,

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Speaker 7: affordable night out.

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Speaker 2: Love that now. I think that's genius. I am a

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Speaker 2: little bit disappointed that you weren't going to tell us

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Speaker 2: there was a club that existed purely for eating. Like

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Speaker 2: there's chest. Yeah, like just like Boots and all In.

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Speaker 2: I mean we steal Boots and all In, just in

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Speaker 2: a different way. The excitement is quite different.

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Speaker 6: Yeah, that's fair, But I.

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Speaker 2: Think that's really cool. Yeah, it's really cool.

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Speaker 6: So download it right now so.

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Speaker 2: You can just save money when you were already going

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Speaker 2: to catch up and go out with friends.

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Speaker 6: Exactly.

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Speaker 2: Money in all right, let's go to a really quick

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Speaker 2: break because on the flip side, we have a juicier topic.

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Speaker 2: And when I say juicy, I don't mean like juicy

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Speaker 2: like a steak. No, I don't mean, you see, like

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Speaker 2: a steak. I mean like it's probably going to be

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Speaker 2: a bit meaty. So I want to like leave enough

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Speaker 2: time to talk about it because we're talking about Medicare rebates,

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Speaker 2: and then we're also going to be unpacking a DM

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Speaker 2: that you guys wanted us to chat about on the show.

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Speaker 2: This week, we're talking buying gifts in relationships. So don't

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Speaker 2: go anywhere. We will be right back.

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Speaker 4: Welcome back, everybody. Let's take a listen to this week's

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Speaker 4: money dilemma.

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

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Speaker 2: can't solve? The Sheese on the Money Team is here

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Speaker 2: to help. Every week, we tackle your dilemmas, both big

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Speaker 2: and small, to answer your most burning money, career and

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Speaker 2: life questions. To get involved, simply head to our website

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Speaker 2: and leave us a short voice recording and you might

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

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

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Speaker 8: Hey, girls, I was just wondering if you understand the

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Speaker 8: Medicare safety net threshold. I've currently just had an overwhelming

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Speaker 8: amount of medical bills all come at the same time

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Speaker 8: due to multiple injuries and illnesses, and you know, when

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Speaker 8: it rains, it pause, it seems. But yeah, I'm just

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Speaker 8: wondering if you know much about the Medicare safety net

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Speaker 8: threshold and how I can and sort of try and

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Speaker 8: get some money back or save where I can with

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Speaker 8: all of these upcoming expenses such as specialists and GP

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Speaker 8: appointments and scans and everything like that.

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Speaker 2: Thank you, This is a good one. Either of you

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Speaker 2: know anything about the Medicare rebate thresholds.

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Speaker 5: I've literally never heard of it. But I do want

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Speaker 5: to say that I hope that you're doing okay. But

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Speaker 5: you sound stressed, and I can understand how if you've

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Speaker 5: had a lot of health stuff going on, the last

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Speaker 5: thing you want to be doing is thinking about your

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Speaker 5: finances as well. So I just hope you're doing okay

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Speaker 5: and that your health is sticking along all right.

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Speaker 6: Yes, I do agree, I feel the same way. I

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Speaker 6: hope that you're doing Okay.

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Speaker 7: I don't know if this is relevant, and obviously I

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Speaker 7: don't have any advice at all. But if you use

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Speaker 7: health engine or like hot doc or something, you can find.

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Speaker 6: Bulk billing places around you. So I don't know if

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Speaker 6: it's useful.

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Speaker 7: I don't actually depends on what kind of appointment, who

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Speaker 7: you're trying to see, etcetera, etcetera.

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Speaker 6: But you can kind of like filter your search that way.

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Speaker 6: That's it from me. I feel like we should go

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Speaker 6: to the expert in the room.

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Speaker 2: O great, I mean I had to look this up.

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Speaker 2: I don't know what the thresholds are, but they're are

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Speaker 2: a number of numbers we are going to discuss. So essentially,

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Speaker 2: Medicare safety nets do have thresholds. So when you essentially

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Speaker 2: spend a certain amount in gap and out of pocket

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Speaker 2: costs on medical you're going to reach a threshold at

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Speaker 2: some point. So once you've reached the threshold, you're actually

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Speaker 2: going to start getting higher benefits from Medicare because they're like, oh,

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Speaker 2: stuff's really hitting the fan here. We need to give

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Speaker 2: just a bit more help in this circumstance. And this

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Speaker 2: means that you'll essentially get more money back from Medicare,

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Speaker 2: So like that's a good thing. Yeah, I think I

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Speaker 2: thought it would be the other way. I was going

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Speaker 2: to say, you guys might have assumed that once you

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Speaker 2: reach a threshold, it's going to get more expensive because

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Speaker 2: you're no longer covered. No, it's actually the opposite. A

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Speaker 2: safety net exists to go, oh my gosh, you've been

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Speaker 2: scooped up in an illness and this is all consuming

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Speaker 2: and overwhelming. It's the government's way of going, we can't

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Speaker 2: offer super super discounts to absolutely everybody, so we'll just

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Speaker 2: do the normal Medicare rebates for everybody. But if everything

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Speaker 2: is going really badly and you reach your threshold, that

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Speaker 2: then means that you're going to get a little bit

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Speaker 2: of extra support, which is definitely well needed at that

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Speaker 2: point in time. Right, it can be really confusing, and

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Speaker 2: I think that that's where this question is coming from.

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Speaker 2: I don't know if you're coming from a position where

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Speaker 2: you know once you hit that threshold it's going to

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Speaker 2: actually ramp up what you get back, or if you're

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Speaker 2: worried that a threshold means it's going to get more expensive.

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Speaker 2: So that's why I wanted to kind of be like,

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Speaker 2: this is what this means. So essentially, only verified payments

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Speaker 2: contribute towards that threshold, so you'll have to talk to

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Speaker 2: Medicare about what that means and how that works. But essentially,

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Speaker 2: you know, if you're just going to get a remedial

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Speaker 2: massage down the road and you think that's going to contribute,

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Speaker 2: it might not. It might be things like the PBS,

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Speaker 2: so the Pharmaceutical Benefits Scheme, so medications, you know, genuine

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Speaker 2: hospital check ins. It might be very real things that

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Speaker 2: are a bit more than a remedial massage. And I'm

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Speaker 2: not saying that because they are definitely excluded. This is

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Speaker 2: something where please rely on the Medicare team. Call them,

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Speaker 2: talk to them, give them a buzz and be like,

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Speaker 2: what's this mean? What's included? How does it work? Like

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Speaker 2: what happens when I hit the threshold? Like do we

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Speaker 2: communicate that? How do I ask for more back? Obviously

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Speaker 2: all of this is actually managed through your mygove portal online.

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Speaker 2: We love, actually's on the money, the mygove portal because

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Speaker 2: it's just so easy to use. But if you haven't

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Speaker 2: already set it up for Medicare, please do because it

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Speaker 2: will enable you to make sure that for every appointment

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Speaker 2: that you're getting, you're actually getting your cash back. And

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Speaker 2: in a circumstance like this, you want to make sure

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Speaker 2: that you know things aren't slipping through the cracks. And

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Speaker 2: if you have a medical expense, and you know, the

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Speaker 2: receptionist at the doctor's surgery said, oh, Beck, don't worry, like,

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Speaker 2: we'll process the Medicare for you. What if it doesn't happen?

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Speaker 2: Like those small things can add up when you're going

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Speaker 2: to the doctors all the time, and I mean they're

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Speaker 2: usually pretty regular, but you do want to stay on

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Speaker 2: top of it. So the amounts that are contributing towards

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Speaker 2: the threshold they change on the first of January every

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Speaker 2: single year. It's important to note that because I think

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Speaker 2: a lot of people line up anything through their Mygove

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Speaker 2: portal with tax you and just assume that, oh, it

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Speaker 2: must be mid year. It's not. It's the first of

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Speaker 2: January each and every single year. And the twenty twenty

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Speaker 2: three Medicare Safety Net thresholds are as follows my friend.

444
00:19:11,680 --> 00:19:16,000
Speaker 2: So the original Medicare Safety Net threshold or the OMSN,

445
00:19:16,119 --> 00:19:19,399
Speaker 2: which would appear on the portals as is five hundred

446
00:19:19,480 --> 00:19:23,400
Speaker 2: and thirty one dollars seventy who's at four. Absolutely everyone

447
00:19:23,400 --> 00:19:27,640
Speaker 2: who uses Medicare counts towards the threshold your gap amount

448
00:19:27,680 --> 00:19:30,359
Speaker 2: for the calendar year, and what benefit are you going

449
00:19:30,400 --> 00:19:32,480
Speaker 2: to get. You're going to get one hundred percent of

450
00:19:32,520 --> 00:19:36,720
Speaker 2: the scheduled fee for out of hospital services, so that's

451
00:19:36,720 --> 00:19:40,159
Speaker 2: a bit of a money win. Then there's extended Medicare

452
00:19:40,280 --> 00:19:42,760
Speaker 2: Safety Net, so that's when your fees start to really

453
00:19:42,840 --> 00:19:47,359
Speaker 2: add up. So that's twenty four hundred and fourteen dollars. Again,

454
00:19:47,680 --> 00:19:51,560
Speaker 2: that benefits everybody who's in Medicare. Everyone. When I say

455
00:19:51,560 --> 00:19:55,520
Speaker 2: everyone who's in Medicare, that's usually Australian residents and Australian citizens.

456
00:19:55,560 --> 00:19:58,120
Speaker 2: If you're not an Australian resident or citizen, you might

457
00:19:58,200 --> 00:20:01,080
Speaker 2: not have access to Medicare, and that's often one of

458
00:20:01,160 --> 00:20:04,240
Speaker 2: the benefits of becoming a citizen of Australia, right. So

459
00:20:04,600 --> 00:20:08,720
Speaker 2: what contributes towards that your out of pocket amount for

460
00:20:08,800 --> 00:20:11,280
Speaker 2: the calendar years, so again from the first of January

461
00:20:11,480 --> 00:20:13,040
Speaker 2: and what are you going to get back? It then

462
00:20:13,160 --> 00:20:16,080
Speaker 2: drops down, so then eighty percent of out of pocket

463
00:20:16,119 --> 00:20:21,399
Speaker 2: costs or the EMSN benefit caps for out of hospital services.

464
00:20:22,160 --> 00:20:24,680
Speaker 2: That obviously is going to change again. If you are

465
00:20:24,760 --> 00:20:28,040
Speaker 2: on a concessional or family benefit tax that amount is

466
00:20:28,080 --> 00:20:30,920
Speaker 2: seven hundred and seventy dollars and thirty cents And that's

467
00:20:31,000 --> 00:20:34,399
Speaker 2: essentially for concession cardholders and families who are eligible for

468
00:20:34,480 --> 00:20:38,040
Speaker 2: the Family tax benefit Part A. Jessica, I know your

469
00:20:38,040 --> 00:20:41,080
Speaker 2: eyes are glazed over. I'm sorry. This is really important. Again,

470
00:20:41,440 --> 00:20:44,320
Speaker 2: the same thing contributes towards it, and that's eighty percent

471
00:20:44,600 --> 00:20:47,639
Speaker 2: of the out of pocket costs of the EMSM benefits

472
00:20:47,800 --> 00:20:50,960
Speaker 2: caps for out of hospital services. So I think it's

473
00:20:51,000 --> 00:20:53,959
Speaker 2: important to understand these caps and what they mean. Essentially,

474
00:20:54,040 --> 00:20:56,640
Speaker 2: the safety nets exists to put you in the best

475
00:20:56,640 --> 00:21:00,439
Speaker 2: possible position and make sure that you're a wi of

476
00:21:00,480 --> 00:21:04,440
Speaker 2: when you'll be getting more money back for your Medicare services.

477
00:21:04,880 --> 00:21:07,600
Speaker 2: I guess a Medicare benefit is the dollar amount that

478
00:21:07,680 --> 00:21:10,639
Speaker 2: they pay when you make a claim for a medical service.

479
00:21:10,720 --> 00:21:13,639
Speaker 2: Usually it's between eighty five to one hundred percent of

480
00:21:13,680 --> 00:21:16,399
Speaker 2: the scheduled fee. And a scheduled fee is the dollar

481
00:21:16,440 --> 00:21:19,679
Speaker 2: amount that the Australian government sets. That is not what

482
00:21:19,760 --> 00:21:22,200
Speaker 2: your doctor charges though, so you need to be really

483
00:21:22,280 --> 00:21:24,159
Speaker 2: clear on what the difference is. So you know how

484
00:21:24,200 --> 00:21:27,080
Speaker 2: we talk about like bulk billing versus not bulk billing.

485
00:21:27,320 --> 00:21:30,040
Speaker 2: If the scheduled fee, let's just say, is one hundred dollars,

486
00:21:30,119 --> 00:21:32,679
Speaker 2: but your doctor charges one hundred and fifty dollars, that

487
00:21:32,760 --> 00:21:34,960
Speaker 2: doesn't cover the gap. So you need to be really

488
00:21:35,000 --> 00:21:37,840
Speaker 2: clear about that. And that's something where if your medical

489
00:21:37,880 --> 00:21:41,000
Speaker 2: fees are starting to really add up. Something I would

490
00:21:41,000 --> 00:21:43,560
Speaker 2: do is if you're seeing a GP or you're seeing

491
00:21:43,640 --> 00:21:47,280
Speaker 2: a specialist regularly sit down and go, hey, this is

492
00:21:47,320 --> 00:21:51,440
Speaker 2: getting really expensive. I'm going to have to consistently utilize

493
00:21:51,480 --> 00:21:54,560
Speaker 2: your services. What can I do to either make my

494
00:21:54,560 --> 00:21:57,160
Speaker 2: appointments a little bit shorter so that I'm not paying

495
00:21:57,200 --> 00:21:59,080
Speaker 2: as much? Like, is there you know a way that

496
00:21:59,119 --> 00:22:01,960
Speaker 2: we can cut the small chat getting get out, I

497
00:22:02,000 --> 00:22:04,720
Speaker 2: get the tests, maybe you email me scripts or something.

498
00:22:04,840 --> 00:22:08,119
Speaker 2: What can we do or at what point are you

499
00:22:08,240 --> 00:22:10,400
Speaker 2: able to bulk build me for this so that there

500
00:22:10,520 --> 00:22:13,280
Speaker 2: isn't an out of pocket cost. I think in these

501
00:22:13,280 --> 00:22:17,760
Speaker 2: circumstances it's really awful. It really sucks. But communication is

502
00:22:17,800 --> 00:22:21,000
Speaker 2: going to be the key. Communicate with your doctor and

503
00:22:21,040 --> 00:22:23,160
Speaker 2: most of them are going to be pretty understanding because

504
00:22:23,200 --> 00:22:25,560
Speaker 2: they know that during a period of time where you're

505
00:22:25,600 --> 00:22:28,400
Speaker 2: really sick, you're probably not working that often, and things

506
00:22:28,440 --> 00:22:30,880
Speaker 2: are going to be a little bit tighter because no one,

507
00:22:31,359 --> 00:22:34,160
Speaker 2: you know, we've all got hopefully we've got or we're

508
00:22:34,160 --> 00:22:37,280
Speaker 2: working towards, or we are aspiring to have emergency funds,

509
00:22:37,800 --> 00:22:39,680
Speaker 2: but not many of us are going to have twenty

510
00:22:39,720 --> 00:22:42,199
Speaker 2: five hundred bucks sitting in an account for when we

511
00:22:42,200 --> 00:22:45,399
Speaker 2: get sick, Like that's not that common. I know we've got,

512
00:22:45,560 --> 00:22:47,879
Speaker 2: you know, maybe three months worth of our expenses, but

513
00:22:47,920 --> 00:22:50,720
Speaker 2: we don't have three months worth of medical expenses. So

514
00:22:50,760 --> 00:22:53,720
Speaker 2: I think it's just about making sure that we understand

515
00:22:53,720 --> 00:22:56,560
Speaker 2: what our fees are. You can obviously search what a

516
00:22:56,640 --> 00:22:59,960
Speaker 2: scheduled fee should be on their MSB, so that's all

517
00:23:00,160 --> 00:23:03,080
Speaker 2: the website. You can access that through the MyGov website.

518
00:23:03,119 --> 00:23:07,080
Speaker 2: And actually, you know, every session in doctor's appointment will

519
00:23:07,080 --> 00:23:09,879
Speaker 2: actually have what's called an item number, so you can

520
00:23:09,920 --> 00:23:11,960
Speaker 2: look that item number up and see what that fee

521
00:23:12,000 --> 00:23:14,760
Speaker 2: should be, and you could even negotiate with your doctor

522
00:23:14,760 --> 00:23:17,239
Speaker 2: and go, hey, what can we do? How can this work? Like,

523
00:23:17,640 --> 00:23:20,720
Speaker 2: you know, if things are getting really expensive, maybe transfer

524
00:23:20,840 --> 00:23:23,119
Speaker 2: to a different doctor who does bog bill. It's not

525
00:23:23,640 --> 00:23:26,760
Speaker 2: the most helpful because obviously medical costs are something that

526
00:23:26,800 --> 00:23:30,200
Speaker 2: you can't really get out of but I think open

527
00:23:30,200 --> 00:23:33,879
Speaker 2: clear communication where possible, building up your emergency fund so

528
00:23:33,920 --> 00:23:37,560
Speaker 2: you're not so financially stressed and just putting yourself first. Again,

529
00:23:37,680 --> 00:23:40,480
Speaker 2: this is a season, it is not forever, hopefully.

530
00:23:40,560 --> 00:23:42,600
Speaker 5: If you have more questions about medihair and if you

531
00:23:42,680 --> 00:23:45,119
Speaker 5: qualify for those different caps or where you're sitting or

532
00:23:45,160 --> 00:23:47,400
Speaker 5: the breakdown or anything like that, you can contact Services

533
00:23:47,440 --> 00:23:50,040
Speaker 5: Australia directly on their website. You can email them or

534
00:23:50,080 --> 00:23:51,159
Speaker 5: you can call them and they should be able to

535
00:23:51,160 --> 00:23:51,920
Speaker 5: answer your questions.

536
00:23:52,000 --> 00:23:54,800
Speaker 2: They have a very good website to be honest, just

537
00:23:54,880 --> 00:23:57,680
Speaker 2: really clean, really clear. They'll you know, have a number

538
00:23:57,720 --> 00:24:01,280
Speaker 2: of questions. Often I google Service is Australia and then

539
00:24:01,280 --> 00:24:03,639
Speaker 2: the question I have and it will automatically come up

540
00:24:03,680 --> 00:24:06,119
Speaker 2: with the page that I'm looking for instead of like

541
00:24:06,200 --> 00:24:08,720
Speaker 2: you know, going through the whole website. But yeah, that's

542
00:24:08,720 --> 00:24:10,679
Speaker 2: where I would be. I'm so sorry that you're not

543
00:24:10,760 --> 00:24:13,560
Speaker 2: well and it's just a really not fun period to

544
00:24:13,600 --> 00:24:16,040
Speaker 2: be in. But the safety net is there to protect

545
00:24:16,080 --> 00:24:18,120
Speaker 2: you and the best thing you can do is get

546
00:24:18,160 --> 00:24:20,480
Speaker 2: in contact with medicare and be like, at what point

547
00:24:20,520 --> 00:24:22,879
Speaker 2: do I hit this? How does this work? What happens

548
00:24:22,920 --> 00:24:25,440
Speaker 2: when I go over it, what happens here, here, and here,

549
00:24:25,840 --> 00:24:27,720
Speaker 2: and they're probably going to have some really helpful tips

550
00:24:27,760 --> 00:24:29,720
Speaker 2: and tricks because they do this every day.

551
00:24:30,160 --> 00:24:32,360
Speaker 4: Sending lots of love. Yeah, that's very key.

552
00:24:32,480 --> 00:24:35,680
Speaker 2: Yeah, we hope you're all right. That sucks does all right,

553
00:24:36,119 --> 00:24:39,240
Speaker 2: Let's pivot, Let's move because there's no good segue from that.

554
00:24:40,320 --> 00:24:42,360
Speaker 2: Let's move on to the other topic that we've got

555
00:24:42,359 --> 00:24:45,000
Speaker 2: to talk about this week. You slid into our DMS

556
00:24:45,040 --> 00:24:48,160
Speaker 2: about a spicy topic. I don't know if it's that spicy,

557
00:24:48,200 --> 00:24:50,320
Speaker 2: but it's something we should definitely talk about. Because my

558
00:24:50,359 --> 00:24:52,119
Speaker 2: partner and I are never on the same page about this.

559
00:24:52,440 --> 00:24:54,520
Speaker 2: We try, we try again, and then we don't do

560
00:24:54,640 --> 00:24:57,840
Speaker 2: anything about it. So we're talking this week about buying

561
00:24:57,840 --> 00:25:01,359
Speaker 2: gifts in relationships. And here's the DM we receive. Hello you,

562
00:25:01,480 --> 00:25:05,200
Speaker 2: lovely people. I'm after your opinion on buying gifts and relationships.

563
00:25:05,440 --> 00:25:08,360
Speaker 2: My partner buys me such extravagant gifts, but I don't

564
00:25:08,400 --> 00:25:10,919
Speaker 2: spend nearly as much on them. They are more of

565
00:25:10,960 --> 00:25:14,200
Speaker 2: a splash cash kind of person, whereas I'm a strict saver,

566
00:25:14,840 --> 00:25:17,200
Speaker 2: whilst they are on a higher income. It just doesn't

567
00:25:17,240 --> 00:25:19,720
Speaker 2: sit right with my money. Values to spend so much

568
00:25:19,760 --> 00:25:23,560
Speaker 2: on materialistic things, and I rather that they save their money.

569
00:25:23,960 --> 00:25:25,800
Speaker 2: But how am I meant to tell them that when

570
00:25:25,840 --> 00:25:28,199
Speaker 2: they're trying to do something really lovely for me? It

571
00:25:28,280 --> 00:25:30,360
Speaker 2: just makes me feel super guilty, and then I feel

572
00:25:30,400 --> 00:25:33,119
Speaker 2: more pressure to spend more money on them. Do you

573
00:25:33,119 --> 00:25:35,560
Speaker 2: think that introducing a spending limit for presents is a

574
00:25:35,560 --> 00:25:37,920
Speaker 2: good idea in our relationship? I just don't want them

575
00:25:37,920 --> 00:25:39,159
Speaker 2: to think that I'm ungrateful.

576
00:25:39,560 --> 00:25:42,720
Speaker 4: Hmmmm. It's a tricky one.

577
00:25:43,080 --> 00:25:44,920
Speaker 2: It's a good topic thing, it's a really good topic.

578
00:25:45,000 --> 00:25:48,800
Speaker 7: Like, first of all, does a couple share money? If not, oh,

579
00:25:48,840 --> 00:25:52,399
Speaker 7: that's a good question. Does our listener maybe make less

580
00:25:52,560 --> 00:25:55,879
Speaker 7: than their partner or vice versa or whatever?

581
00:25:55,960 --> 00:25:56,600
Speaker 6: You know what I mean?

582
00:25:56,640 --> 00:26:01,040
Speaker 7: Like, does their spending habits directly impact the person who's

583
00:26:01,040 --> 00:26:02,080
Speaker 7: writing to us?

584
00:26:02,640 --> 00:26:03,280
Speaker 6: It doesn't say.

585
00:26:03,400 --> 00:26:06,000
Speaker 2: It doesn't say, so that's through it gets a little

586
00:26:06,000 --> 00:26:06,560
Speaker 2: bit tricky.

587
00:26:06,680 --> 00:26:09,160
Speaker 7: It doesn't say any thing like not only that, let's

588
00:26:09,200 --> 00:26:12,760
Speaker 7: say it doesn't impact at all this person's spending capabilities.

589
00:26:13,000 --> 00:26:15,560
Speaker 7: If they're spending a lot of money on gifts, it's

590
00:26:15,600 --> 00:26:17,639
Speaker 7: still at the end of the day, puts a lot

591
00:26:17,680 --> 00:26:20,719
Speaker 7: of pressure on the other person who's not spending as

592
00:26:20,800 --> 00:26:23,119
Speaker 7: much money. I've definitely been on the receiving end of

593
00:26:23,240 --> 00:26:24,560
Speaker 7: extravagant gifts.

594
00:26:24,680 --> 00:26:26,080
Speaker 6: Not to brag.

595
00:26:29,000 --> 00:26:31,720
Speaker 2: Or what's the most extravagant we need to go off

596
00:26:31,720 --> 00:26:35,160
Speaker 2: on the side, Yes, And I know I'm literally just I'm.

597
00:26:35,040 --> 00:26:37,199
Speaker 7: Actually gonna just use me and I'm always using me

598
00:26:37,240 --> 00:26:40,760
Speaker 7: and Live as an example because we're like relationship in

599
00:26:40,760 --> 00:26:42,760
Speaker 7: a relationship, but like you've actually like it.

600
00:26:42,800 --> 00:26:44,640
Speaker 6: But we do hack like carently.

601
00:26:44,320 --> 00:26:46,800
Speaker 7: We'd make a real hot coup all though, will you

602
00:26:46,920 --> 00:26:50,240
Speaker 7: well that would I think we're unfortunately not able to

603
00:26:50,280 --> 00:26:50,560
Speaker 7: do that.

604
00:26:50,600 --> 00:26:52,560
Speaker 4: We don't see but you're.

605
00:26:52,480 --> 00:26:55,120
Speaker 2: Like, we're friends and that's it, but thanks, we look

606
00:26:55,160 --> 00:26:55,520
Speaker 2: hot toe.

607
00:26:55,720 --> 00:26:58,320
Speaker 7: I kind of feel like siblings at this point. But no, like,

608
00:26:58,520 --> 00:27:01,440
Speaker 7: you know, Live makes a decent amount of money and

609
00:27:01,840 --> 00:27:05,560
Speaker 7: is comfortable spending money for my birthday and if I'm not.

610
00:27:05,640 --> 00:27:07,240
Speaker 6: Really there, I literally have.

611
00:27:07,880 --> 00:27:10,479
Speaker 7: Last year, I borrowed a thousand dollars from her so

612
00:27:10,520 --> 00:27:13,800
Speaker 7: I could buy her a really good present and I

613
00:27:13,800 --> 00:27:14,159
Speaker 7: feel like.

614
00:27:14,119 --> 00:27:14,920
Speaker 6: A little baby.

615
00:27:15,119 --> 00:27:15,960
Speaker 2: A thousand.

616
00:27:18,560 --> 00:27:20,840
Speaker 7: Was also like just for me to leave as well,

617
00:27:21,280 --> 00:27:23,560
Speaker 7: so it was like kind of like I'm buying your presents. Also,

618
00:27:23,600 --> 00:27:25,200
Speaker 7: it's going to be a big weekend where we're going

619
00:27:25,200 --> 00:27:27,560
Speaker 7: out and doing all these things. And also I don't

620
00:27:27,560 --> 00:27:28,800
Speaker 7: have enough money to make it to the end of

621
00:27:28,840 --> 00:27:32,440
Speaker 7: the pay cycle, so I just said send me. But yeah,

622
00:27:32,480 --> 00:27:34,600
Speaker 7: so there have been times that has happened. But we

623
00:27:34,680 --> 00:27:38,080
Speaker 7: have put gift like limits on what we're giving each

624
00:27:38,080 --> 00:27:39,760
Speaker 7: other because it does tend to get out of hand,

625
00:27:39,800 --> 00:27:42,359
Speaker 7: Like if she spends two hundred dollars, I'll spend I

626
00:27:42,359 --> 00:27:42,720
Speaker 7: love that.

627
00:27:42,680 --> 00:27:44,560
Speaker 2: You have a friend that you just like love so much.

628
00:27:44,880 --> 00:27:47,919
Speaker 7: I don't know how this happened, but she's you know,

629
00:27:47,960 --> 00:27:50,080
Speaker 7: she's my favorite person in the world anyway. But yeah,

630
00:27:50,119 --> 00:27:51,879
Speaker 7: so we will tend to put like little caps on

631
00:27:52,160 --> 00:27:54,639
Speaker 7: our gifts otherwise it makes the other person feel pressure

632
00:27:54,720 --> 00:27:56,879
Speaker 7: to end up spending that much money, you know. So

633
00:27:57,560 --> 00:28:00,159
Speaker 7: I guess that's maybe what you could do to have

634
00:28:00,200 --> 00:28:04,280
Speaker 7: a little conversation about more how it's affecting your own

635
00:28:05,240 --> 00:28:07,200
Speaker 7: like making you feel a little bit pressure to spend.

636
00:28:06,960 --> 00:28:07,920
Speaker 6: That much, you know what I mean.

637
00:28:08,240 --> 00:28:10,600
Speaker 7: Not that you're own grateful, it's just that you can't

638
00:28:11,080 --> 00:28:12,640
Speaker 7: keep counting match it, you haven't.

639
00:28:12,480 --> 00:28:14,919
Speaker 6: Match it, you don't want to, or you don't want to.

640
00:28:15,200 --> 00:28:17,720
Speaker 2: Yeah, no, that's fair. I want to ask a perfect question.

641
00:28:18,640 --> 00:28:21,040
Speaker 2: I know you and your partner semi share money like

642
00:28:21,160 --> 00:28:23,000
Speaker 2: you do but you don't, But you do, but you don't.

643
00:28:23,440 --> 00:28:26,480
Speaker 2: Where's your present budget come from? Like is that individual

644
00:28:26,560 --> 00:28:29,400
Speaker 2: or is that something that is shared costs?

645
00:28:29,920 --> 00:28:34,159
Speaker 5: Our only shared costs really are bills and groceries like

646
00:28:34,200 --> 00:28:36,879
Speaker 5: things that we actually yes splitting, Like, we don't.

647
00:28:36,880 --> 00:28:38,200
Speaker 4: Share money for other things.

648
00:28:38,200 --> 00:28:40,440
Speaker 5: So gifts come out of our own budget, and we

649
00:28:40,520 --> 00:28:43,000
Speaker 5: always tend to like we've never spoken about it, but

650
00:28:43,040 --> 00:28:45,120
Speaker 5: it's just always kind of been. We spend around the

651
00:28:45,120 --> 00:28:47,280
Speaker 5: same amount of money on each other. And obviously the

652
00:28:47,320 --> 00:28:50,280
Speaker 5: longer that we've dated, that budget has grown.

653
00:28:50,960 --> 00:28:54,200
Speaker 2: But so longer term relationships are more expensive.

654
00:28:55,240 --> 00:28:58,840
Speaker 5: From my serious, if we've been dating for three months,

655
00:28:58,880 --> 00:29:01,160
Speaker 5: I'm not dropping present.

656
00:29:01,160 --> 00:29:02,360
Speaker 2: The present that you have to get them for the

657
00:29:02,360 --> 00:29:07,080
Speaker 2: wedding floor. Yeah, seriously, I will never financially recover from

658
00:29:07,120 --> 00:29:08,480
Speaker 2: this so expensive.

659
00:29:08,560 --> 00:29:11,040
Speaker 5: So I think that it's going to vary coupled couple

660
00:29:11,160 --> 00:29:13,400
Speaker 5: and how you manage your finances and your perspective on things.

661
00:29:13,480 --> 00:29:14,960
Speaker 5: I guess the other thing to consider it is like

662
00:29:15,680 --> 00:29:18,880
Speaker 5: values as well. So like we've spoken before about how

663
00:29:19,000 --> 00:29:20,320
Speaker 5: like the and I, you and I are both like

664
00:29:20,360 --> 00:29:22,640
Speaker 5: big gift givers. I love giving gifts like that's a

665
00:29:22,720 --> 00:29:25,520
Speaker 5: huge value to me. Whereas this person it sounds like

666
00:29:25,760 --> 00:29:28,080
Speaker 5: they don't care for it as much, like they appreciate

667
00:29:28,120 --> 00:29:31,280
Speaker 5: the thought, they appreciate the effort, but it sounds like

668
00:29:31,360 --> 00:29:33,440
Speaker 5: they're kind of saying, oh, like I don't really want

669
00:29:33,440 --> 00:29:35,440
Speaker 5: them to spend that money, like I don't care about

670
00:29:35,480 --> 00:29:38,120
Speaker 5: it that much. Whereas the person who's giving the gift,

671
00:29:38,200 --> 00:29:39,960
Speaker 5: it might be to them they're going, oh, but I

672
00:29:40,000 --> 00:29:41,880
Speaker 5: love you so much, I want to give you something

673
00:29:42,040 --> 00:29:44,880
Speaker 5: because to me, this demonstrates to you how much I

674
00:29:44,920 --> 00:29:47,680
Speaker 5: love you. So it's not even just about how you

675
00:29:47,760 --> 00:29:50,280
Speaker 5: view it financially, but I think also like how you

676
00:29:50,440 --> 00:29:53,320
Speaker 5: view it as an expression of love. YEA.

677
00:29:54,080 --> 00:29:58,160
Speaker 2: Love languages, Yeah, like conversation to go and we talk

678
00:29:58,200 --> 00:30:00,480
Speaker 2: about it a lot, or we have historically talked about

679
00:30:00,520 --> 00:30:02,800
Speaker 2: love languages a lot on the podcast, and I think

680
00:30:02,840 --> 00:30:07,240
Speaker 2: it's important to discuss because they tie so deeply to finances.

681
00:30:07,360 --> 00:30:10,680
Speaker 2: So obviously, like the gift giving thing, Yes, it can

682
00:30:10,720 --> 00:30:12,440
Speaker 2: be a reflection of love, but it can also be

683
00:30:12,480 --> 00:30:15,120
Speaker 2: something that's detrimental, Like you could be like Jess and

684
00:30:15,160 --> 00:30:17,640
Speaker 2: I and love giving gifts but also have no gash

685
00:30:17,680 --> 00:30:20,040
Speaker 2: for it, but still give gifts and then get yourself

686
00:30:20,040 --> 00:30:23,760
Speaker 2: into a financial pickle. I think if it was me,

687
00:30:24,080 --> 00:30:26,360
Speaker 2: I would probably want to start where you're saying, Yess,

688
00:30:26,360 --> 00:30:29,320
Speaker 2: like understanding your love language, Like you know, you might

689
00:30:29,360 --> 00:30:31,960
Speaker 2: be someone where a gift giving doesn't matter so much

690
00:30:32,120 --> 00:30:34,080
Speaker 2: and your partner might actually still want to get you

691
00:30:34,120 --> 00:30:36,960
Speaker 2: those expensive gifts. And I think that that's where a

692
00:30:37,000 --> 00:30:39,560
Speaker 2: good conversation of like, oh, well, what is your love language?

693
00:30:39,600 --> 00:30:41,520
Speaker 2: Oh my gosh, you don't know, Beck, how we do

694
00:30:41,600 --> 00:30:43,840
Speaker 2: this online survey and just see what your love language

695
00:30:43,920 --> 00:30:45,640
Speaker 2: is and then we can have this that makes so

696
00:30:45,760 --> 00:30:48,280
Speaker 2: much sense, Yess, as to why you always buy me

697
00:30:48,320 --> 00:30:51,240
Speaker 2: beautiful gifts and why I'm always trying to make you

698
00:30:51,360 --> 00:30:53,920
Speaker 2: tea and toast in the morning. So I think it's

699
00:30:54,600 --> 00:30:58,080
Speaker 2: it's understanding your relationship and where you're coming from. Because

700
00:30:58,120 --> 00:31:01,800
Speaker 2: as much as you I think this immediately goes to Okay,

701
00:31:01,800 --> 00:31:05,240
Speaker 2: we probably should set a budget and you know, say, okay, Jesse,

702
00:31:05,280 --> 00:31:07,080
Speaker 2: if I spend one hundred dollars on you, you can only

703
00:31:07,080 --> 00:31:09,920
Speaker 2: spend one hundred dollars on me, we'll call it that. Well,

704
00:31:09,920 --> 00:31:12,800
Speaker 2: that might not work as well, because I might really

705
00:31:12,840 --> 00:31:15,160
Speaker 2: want to get Jess a present, but Jess might really

706
00:31:15,240 --> 00:31:18,160
Speaker 2: want to do this beautiful weekend that costs not much

707
00:31:18,400 --> 00:31:20,400
Speaker 2: but has so much time and energy and thought and

708
00:31:20,520 --> 00:31:22,840
Speaker 2: is all about spending personal time together. And that's where

709
00:31:22,840 --> 00:31:25,320
Speaker 2: your values are. So I think if you're in a relationship,

710
00:31:25,360 --> 00:31:28,040
Speaker 2: it's not tit for TAT. I don't think just because

711
00:31:28,080 --> 00:31:30,240
Speaker 2: you spend one hundred dollars, I should spend one hundred dollars.

712
00:31:30,280 --> 00:31:34,000
Speaker 2: I think understanding your love language is so important. And

713
00:31:34,240 --> 00:31:36,440
Speaker 2: you know, as I'm talking about this, I'm thinking about

714
00:31:36,440 --> 00:31:39,520
Speaker 2: my relationship. I'm definitely a gift giver like that is.

715
00:31:40,240 --> 00:31:43,160
Speaker 2: I just really like it. It's really fun. Yeah, my

716
00:31:43,320 --> 00:31:46,800
Speaker 2: husband is a quality time and active service kind of guy,

717
00:31:47,360 --> 00:31:50,280
Speaker 2: Like I can guarantee that for my birthday, he'll be

718
00:31:50,320 --> 00:31:52,360
Speaker 2: thinking of things he can do for me, not things

719
00:31:52,360 --> 00:31:54,760
Speaker 2: he can buy for me. In fact, he never knows

720
00:31:54,760 --> 00:31:56,720
Speaker 2: what to get me. He's the first person to pop

721
00:31:56,800 --> 00:31:59,200
Speaker 2: up in Jess's DMS, come close to you and like, Hey,

722
00:31:59,240 --> 00:32:01,720
Speaker 2: what should I get for Tori. I've got no idea.

723
00:32:02,200 --> 00:32:04,640
Speaker 2: But he'll always be like, Oh, I've taken the morning

724
00:32:04,640 --> 00:32:06,680
Speaker 2: off work, i want to take you out for breakfast.

725
00:32:06,840 --> 00:32:08,720
Speaker 2: I've made you a cup of tea, I've done all

726
00:32:08,720 --> 00:32:11,120
Speaker 2: of these things and like, to him, that's his love

727
00:32:11,200 --> 00:32:14,400
Speaker 2: language and I adore it, but I think really understanding

728
00:32:14,440 --> 00:32:17,480
Speaker 2: that because you know, my love language and the love

729
00:32:17,560 --> 00:32:19,920
Speaker 2: language I want to receive might be different to that.

730
00:32:20,240 --> 00:32:22,920
Speaker 2: And if there's a disconnect in that, then you go, oh,

731
00:32:22,960 --> 00:32:25,280
Speaker 2: he always just throws money at the problem. He always

732
00:32:25,360 --> 00:32:28,560
Speaker 2: just buys lots of big, expensive gifts when maybe you're

733
00:32:28,600 --> 00:32:30,840
Speaker 2: not recognizing that that's actually his love language and that's

734
00:32:30,840 --> 00:32:33,960
Speaker 2: the way that he sees, you know, showing you love. Sure,

735
00:32:34,120 --> 00:32:36,200
Speaker 2: but you want to accept something different, and he actually

736
00:32:36,240 --> 00:32:38,280
Speaker 2: needs to learn that so that he can show you

737
00:32:38,360 --> 00:32:40,280
Speaker 2: love in a way that you really want to accept it.

738
00:32:40,400 --> 00:32:43,160
Speaker 5: They might not realize that it makes you uncomfortable either,

739
00:32:43,240 --> 00:32:45,920
Speaker 5: because it sounds like from this message that the inability

740
00:32:46,000 --> 00:32:48,000
Speaker 5: or the fact that you don't want to spend as

741
00:32:48,040 --> 00:32:50,480
Speaker 5: much is putting you a bit on edge, which if

742
00:32:50,480 --> 00:32:52,160
Speaker 5: your partner then realized that you were feeling that way,

743
00:32:52,200 --> 00:32:53,760
Speaker 5: they then might feel bad. So it's like a you

744
00:32:53,800 --> 00:32:55,640
Speaker 5: need to talk really, yeah, to have.

745
00:32:55,600 --> 00:32:57,760
Speaker 2: A chat and work it out, because as much as

746
00:32:57,800 --> 00:32:59,960
Speaker 2: it you know, in this circumstance, it actually might be

747
00:33:00,520 --> 00:33:02,680
Speaker 2: the best solution to set a budget for each of

748
00:33:02,720 --> 00:33:05,120
Speaker 2: you because both of you have the same values and goals,

749
00:33:05,160 --> 00:33:06,480
Speaker 2: and you're like, the I don't want to talk about

750
00:33:06,520 --> 00:33:09,160
Speaker 2: this fluffy love language. Stuff doesn't make sense to us.

751
00:33:09,240 --> 00:33:11,240
Speaker 2: I just want to cap dress out. One hundred bucks,

752
00:33:11,320 --> 00:33:13,840
Speaker 2: yes on you, one hundred bucks on me, call it

753
00:33:13,880 --> 00:33:15,960
Speaker 2: a day. That's what we do for presents. That might

754
00:33:16,000 --> 00:33:19,160
Speaker 2: be really good. But I think having these deeper, fluffy

755
00:33:19,240 --> 00:33:23,760
Speaker 2: chats can actually lead to more wholesome outcomes. So yeah,

756
00:33:23,760 --> 00:33:25,960
Speaker 2: we got that DM. We did ask the community a

757
00:33:25,960 --> 00:33:27,680
Speaker 2: few questions. Do you want to hear what they had

758
00:33:27,680 --> 00:33:28,120
Speaker 2: to say?

759
00:33:28,160 --> 00:33:28,960
Speaker 4: Always?

760
00:33:29,040 --> 00:33:31,760
Speaker 2: So, First, we said how do you and your partner

761
00:33:31,800 --> 00:33:35,120
Speaker 2: purchase gifts? Forty percent of you said, we set a number,

762
00:33:35,240 --> 00:33:38,560
Speaker 2: so we spend the same amount. Sixty percent of you said,

763
00:33:38,600 --> 00:33:41,160
Speaker 2: there's no limit. We spend as much as we feel

764
00:33:41,240 --> 00:33:44,719
Speaker 2: is right. I'd be interested to know more about that that, like,

765
00:33:44,760 --> 00:33:48,000
Speaker 2: if you spend whatever, what does that mean. The next

766
00:33:48,080 --> 00:33:50,080
Speaker 2: question we asked was how would you feel if your

767
00:33:50,120 --> 00:33:53,120
Speaker 2: partner spent more on you? Thirty nine percent of you

768
00:33:53,200 --> 00:33:56,120
Speaker 2: said guilty, and then I feel a lot of pressure

769
00:33:56,120 --> 00:33:58,680
Speaker 2: to spend more on them. Sixty one percent of you

770
00:33:58,720 --> 00:34:01,800
Speaker 2: though not guilty, that it's their choice.

771
00:34:02,240 --> 00:34:02,920
Speaker 4: That's kind of how I.

772
00:34:02,880 --> 00:34:06,280
Speaker 2: Feel get it, but you chose this life. Yeah, yeah, yeah,

773
00:34:06,640 --> 00:34:08,279
Speaker 2: you chose to go to the shops and buy that

774
00:34:08,280 --> 00:34:10,399
Speaker 2: that's not on me. I'm so glad you think I'll

775
00:34:10,480 --> 00:34:12,200
Speaker 2: like it, but that doesn't not mean I'm spending five

776
00:34:12,280 --> 00:34:15,200
Speaker 2: hundred bucks on you, because it's the thought that should count.

777
00:34:15,280 --> 00:34:17,799
Speaker 2: Here's this card I made with texter.

778
00:34:18,360 --> 00:34:20,799
Speaker 4: I coupon for one free dinner with me.

779
00:34:21,320 --> 00:34:24,440
Speaker 2: Yes. I just assumed you were about to say one

780
00:34:24,480 --> 00:34:26,720
Speaker 2: free foot massage, and I'm like, yes, I'm not that generous.

781
00:34:28,680 --> 00:34:31,040
Speaker 2: So the next question we asked was do you think

782
00:34:31,040 --> 00:34:33,319
Speaker 2: a spending limit is a good idea in a relationship.

783
00:34:33,440 --> 00:34:37,240
Speaker 2: Eighty percent of you said yes, and then we asked

784
00:34:37,320 --> 00:34:40,439
Speaker 2: for your two cents, as we always do, so here

785
00:34:40,520 --> 00:34:43,279
Speaker 2: are some of the comments. One of you said, when

786
00:34:43,280 --> 00:34:45,400
Speaker 2: I don't stick to mine, I actually end up feeling

787
00:34:45,400 --> 00:34:48,200
Speaker 2: guilty and tend to feel guilty for a few weeks after.

788
00:34:48,840 --> 00:34:50,719
Speaker 2: Do if you blow your budget on a friend, do

789
00:34:50,719 --> 00:34:54,640
Speaker 2: you feel guilty? I mean, if it was impacting my budget,

790
00:34:54,680 --> 00:34:55,280
Speaker 2: I think I would.

791
00:34:55,440 --> 00:34:56,880
Speaker 6: Yeah, I'd feel stressed.

792
00:34:57,160 --> 00:34:57,759
Speaker 2: Yeah that's fair.

793
00:34:57,840 --> 00:34:58,600
Speaker 6: I feel guilty.

794
00:34:59,000 --> 00:35:02,719
Speaker 2: Yeah that's fair. Someone else said, we have the same goals,

795
00:35:02,760 --> 00:35:05,120
Speaker 2: having just bought our first home. So this makes it

796
00:35:05,239 --> 00:35:08,120
Speaker 2: so much easier if there is a limit. Someone said,

797
00:35:08,200 --> 00:35:11,800
Speaker 2: no guilt and everything is fair. Someone else said, we're married.

798
00:35:11,840 --> 00:35:13,759
Speaker 2: So some years we spend a lot because it's a

799
00:35:13,800 --> 00:35:16,200
Speaker 2: big birthday. Other years are just token years and we

800
00:35:16,239 --> 00:35:18,520
Speaker 2: don't spend a lot. That's a good way to view

801
00:35:18,560 --> 00:35:21,239
Speaker 2: it as well. That is good, come and go the

802
00:35:21,239 --> 00:35:23,800
Speaker 2: next year is my partner and I only set budgets

803
00:35:23,800 --> 00:35:27,000
Speaker 2: for the big gifts like birthdays and Christmas. I don't

804
00:35:27,040 --> 00:35:29,640
Speaker 2: get my partner presents any other times.

805
00:35:33,680 --> 00:35:35,960
Speaker 4: Just because little present anniversary.

806
00:35:36,200 --> 00:35:39,160
Speaker 2: I mean, what's a because present? Is that me?

807
00:35:39,239 --> 00:35:39,520
Speaker 3: Going?

808
00:35:39,960 --> 00:35:42,839
Speaker 2: You needed new jobs? So look how nice I am.

809
00:35:43,320 --> 00:35:46,000
Speaker 2: I bought some because you're a male and I.

810
00:35:46,000 --> 00:35:48,279
Speaker 4: Just knew you wouldn't that's the thing.

811
00:35:48,360 --> 00:35:50,000
Speaker 5: Or is it like, oh, I bought you your favorite

812
00:35:50,040 --> 00:35:51,879
Speaker 5: lolli because I was doing the shopping and I thought

813
00:35:51,880 --> 00:35:53,919
Speaker 5: you were Like, then is that a gift?

814
00:35:54,000 --> 00:35:54,920
Speaker 2: Is that just that is?

815
00:35:55,120 --> 00:35:55,279
Speaker 8: Yeah?

816
00:35:55,320 --> 00:35:57,000
Speaker 2: I don't know, because I do that a lot. But

817
00:35:57,040 --> 00:35:59,560
Speaker 2: I definitely am not the type of person that's like, oh, Jess,

818
00:35:59,600 --> 00:36:02,000
Speaker 2: Valentine is coming up. What are you getting your partner? Yeah,

819
00:36:02,080 --> 00:36:05,120
Speaker 2: we're not getting a Valentine's gift from me. I already

820
00:36:05,120 --> 00:36:07,279
Speaker 2: spent all my money buying heart shaped chocolate for my

821
00:36:07,360 --> 00:36:11,479
Speaker 2: team down all right. Someone else said, we have shared

822
00:36:11,520 --> 00:36:14,080
Speaker 2: goals of saving for our future together, so it makes

823
00:36:14,120 --> 00:36:17,239
Speaker 2: sense to have a set amount. Someone else said, we

824
00:36:17,320 --> 00:36:20,720
Speaker 2: don't go over our shared gift for budgets. Someone said

825
00:36:20,920 --> 00:36:23,960
Speaker 2: I am the primary income earner, so whatever he spends

826
00:36:24,040 --> 00:36:25,120
Speaker 2: is actually my money.

827
00:36:27,000 --> 00:36:29,360
Speaker 5: I kind of love that if you share, if you

828
00:36:29,360 --> 00:36:31,320
Speaker 5: share finances, that's the case too, right.

829
00:36:31,320 --> 00:36:34,040
Speaker 2: Yeah, I love it. Someone said someone's start to part

830
00:36:34,040 --> 00:36:36,640
Speaker 2: one and part two, so part one spending limit, taking

831
00:36:36,680 --> 00:36:39,560
Speaker 2: into account each other's financial positions at that time, and

832
00:36:39,560 --> 00:36:42,040
Speaker 2: then part two says I'd rather get a twenty dollars

833
00:36:42,080 --> 00:36:43,920
Speaker 2: present than a present that put my boyfriend in a

834
00:36:43,960 --> 00:36:46,080
Speaker 2: stressful financial position over a present.

835
00:36:46,360 --> 00:36:48,160
Speaker 4: Amen, Amen, I really like it.

836
00:36:48,200 --> 00:36:51,640
Speaker 2: I also feel like i'd much prefer a present that

837
00:36:51,960 --> 00:36:52,879
Speaker 2: just meant more.

838
00:36:53,120 --> 00:36:56,440
Speaker 5: Yeah, footful, write me a song, Oh, write me a

839
00:36:56,480 --> 00:36:58,560
Speaker 5: whole right direct produce.

840
00:37:00,760 --> 00:37:02,560
Speaker 2: I would pay a lot for my husband not to

841
00:37:02,600 --> 00:37:07,240
Speaker 2: do that, Like, oh, I can't think of anything worse

842
00:37:08,120 --> 00:37:11,080
Speaker 2: than him singing or serenading to it. I'd be so awkward,

843
00:37:11,280 --> 00:37:14,640
Speaker 2: ud recoil. Someone said, we have a twenty dollars limit

844
00:37:14,680 --> 00:37:18,000
Speaker 2: on Christmas gifts. It forces us to get very creative.

845
00:37:18,120 --> 00:37:19,320
Speaker 6: Yeah, I like that fun.

846
00:37:19,400 --> 00:37:22,200
Speaker 2: I think I've told you guys before that in our family,

847
00:37:22,400 --> 00:37:26,480
Speaker 2: like Chris Kringle, we have handmade, second hand or homemade.

848
00:37:27,040 --> 00:37:28,000
Speaker 6: Oh I love us.

849
00:37:28,080 --> 00:37:30,799
Speaker 2: So you have to like either buy a second hand,

850
00:37:30,880 --> 00:37:33,240
Speaker 2: make it in your kitchen or whatever, or like build

851
00:37:33,320 --> 00:37:34,160
Speaker 2: something for them.

852
00:37:34,520 --> 00:37:34,960
Speaker 5: Very fun.

853
00:37:35,239 --> 00:37:38,279
Speaker 2: Yeah, So that puts a lot of pressure on it.

854
00:37:38,320 --> 00:37:40,880
Speaker 2: And I had to start planning for Christmas in October

855
00:37:40,880 --> 00:37:42,879
Speaker 2: because I'm like, I don't know what I'm going to do.

856
00:37:45,320 --> 00:37:47,719
Speaker 2: Someone the all said no, seriously, a limit only ends

857
00:37:47,800 --> 00:37:50,960
Speaker 2: up starting fights, and there's just a lot of people

858
00:37:51,000 --> 00:37:53,120
Speaker 2: with a lot of expectations. I'm a bit of the

859
00:37:53,440 --> 00:37:56,160
Speaker 2: opinion that, yeah, an amount can actually just set a

860
00:37:56,200 --> 00:37:59,600
Speaker 2: realistic budget, especially if someone keeps going over. But if

861
00:37:59,640 --> 00:38:02,279
Speaker 2: they keep going over on you, especially after you've had

862
00:38:02,320 --> 00:38:06,440
Speaker 2: a conversation about a budget, I genuinely wouldn't worry too much.

863
00:38:06,880 --> 00:38:09,480
Speaker 2: It might be because that's their love language and they

864
00:38:09,600 --> 00:38:12,719
Speaker 2: just really love gifting new things, and we need to see.

865
00:38:12,920 --> 00:38:16,680
Speaker 2: I don't think we should always feel guilty about accepting presents,

866
00:38:17,000 --> 00:38:19,440
Speaker 2: Like sometimes it's really nice that someone thought of you

867
00:38:19,760 --> 00:38:21,680
Speaker 2: like that time and that energy and that effort to

868
00:38:21,719 --> 00:38:24,120
Speaker 2: put it together. Like Beck, I don't know if you've

869
00:38:24,120 --> 00:38:26,280
Speaker 2: ever received a present from Jess, but they're the best.

870
00:38:27,120 --> 00:38:30,439
Speaker 6: Oh we did ones? Oh you did? You got these

871
00:38:30,440 --> 00:38:31,400
Speaker 6: sensory toys.

872
00:38:31,640 --> 00:38:34,960
Speaker 2: Oh yeah, that's right. I more mean like a birthday present,

873
00:38:35,760 --> 00:38:37,440
Speaker 2: Like you don't just get Oh hey, I bought you

874
00:38:37,480 --> 00:38:40,160
Speaker 2: this coffee mug because it reminded me of you. She

875
00:38:40,239 --> 00:38:42,040
Speaker 2: might buy the coffee mug, but it comes like in

876
00:38:42,080 --> 00:38:45,239
Speaker 2: a basket with other things and it's like decorated and

877
00:38:45,320 --> 00:38:50,440
Speaker 2: has bow's and stuff. Like the effort is elite friends

878
00:38:50,440 --> 00:38:53,280
Speaker 2: with Jess Christmas.

879
00:38:52,560 --> 00:38:54,360
Speaker 6: Yes, that's so excited.

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00:38:54,480 --> 00:38:56,240
Speaker 2: I think that's all we have time for today. Guys.

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00:38:56,320 --> 00:38:59,920
Speaker 2: I've gotta go plan my Christmas present and we are

882
00:39:00,000 --> 00:39:02,320
Speaker 2: going to see you on Monday. From Money Diary, have

883
00:39:02,560 --> 00:39:05,560
Speaker 2: the best weekend, enjoy it all, and we'll see you then.

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00:39:05,719 --> 00:39:06,840
Speaker 2: Love you bye, guys.

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00:39:06,920 --> 00:39:08,240
Speaker 4: Bye.

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00:39:13,640 --> 00:39:16,200
Speaker 2: The advice shared on She's on the Money is general

887
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Speaker 2: in nature and does not consider your individual circumstances. She's

888
00:39:20,160 --> 00:39:23,560
Speaker 2: on the Money exists purely for educational purposes and should

889
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Speaker 2: not be relied upon to make an investment or financial decision.

890
00:39:27,200 --> 00:39:29,640
Speaker 2: If you do choose to buy a financial product, read

891
00:39:29,680 --> 00:39:33,840
Speaker 2: the PDS, TMD and obtain appropriate financial advice tailored towards

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Speaker 2: your needs. Victoria Divine and She's on the Money are

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Speaker 2: authorized representatives of Money Sherper Pty Ltd ABN three two

894
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Speaker 2: one IS six four nine two seven seven zero eight

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Speaker 2: AFSL four five one two eight nine