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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 Kerney Whalbury 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 4: Hello, and welcome to She's on the Money, the podcast

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Speaker 4: Millennials who want financial freedom.

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Speaker 2: Today, my friends, it is Friday, which.

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Speaker 4: Means it is time to get my little team together

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Speaker 4: and celebrate you ow incredible. She's on the Money community. Today,

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Speaker 4: we're going to be sharing our favorite money wins with

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Speaker 4: Miss Jess Chi. Miss bech say Ed is back for

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Speaker 4: some broque tips. We're going to be helping to answer

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Speaker 4: a juicy money dilemma, which this week is all about

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Speaker 4: buying in bulk.

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Speaker 2: Which I feel like Jess is going to be.

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Speaker 4: And we're going to be unpacking something that you slid

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Speaker 4: into our DMS about this week, we're talking about relationship equity.

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Speaker 4: So to kick off this episode, my friends, Beck, Yes,

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Speaker 4: you went present last week, so you get to go first.

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Speaker 2: How have your last two weeks been? Well? Yeah, I

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Speaker 2: really hope my shoulder and it's like the whole back

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Speaker 2: of the head and back of the shoulder. But I

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Speaker 2: feel so much better now. But the last few weeks

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Speaker 2: have been good. It was my birthday, thank you so much,

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Speaker 2: cancer queen, actually thirtieth of July. Yeah, right on the

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Speaker 2: close to I didn't have to share my star signs.

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Speaker 2: So that's okay. Oh, true, that would have been strange

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Speaker 2: to cancers in the one yeah studio. No, it would

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Speaker 2: have worked. It would have worked.

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Speaker 5: There are literally to cancer the cancer.

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Speaker 2: Yeah, your cancer is our producer of cancer. No, she's

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Speaker 2: on the cusp? Are you want the cusp? June seven eight?

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Speaker 2: Very much, very much a Gemini, I see we're all

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Speaker 2: very close.

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Speaker 4: Oh.

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Speaker 2: I don't know what that means, but it sounds.

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Speaker 5: I just know that I'm the cancer, and I just

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Speaker 5: know that makes us emotional, which checks out, which story

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Speaker 5: checks out because his cry oh that's so sweet.

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Speaker 4: It's not it's not bad Barbie movie tears. Oh god,

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Speaker 4: food that tastes really good, tears like just you can't

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Speaker 4: stop it.

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Speaker 2: I love that. I feel like crying is one of

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Speaker 2: the my favorite activities. So, you know, absolutely depressing. What

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Speaker 2: did you do for your birthday? Oh birthday? I had

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Speaker 2: a little party, A little party, A little party at

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Speaker 2: a pub, one of my favorite pubs. Eighties for anyone listening,

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Speaker 2: maybe if you maybe no.

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Speaker 5: Eighties the thing a few weeks ago I did, I mention.

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Speaker 2: I eight free so water. That's exactly That's exactly why

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Speaker 2: I go there. That's how you start a party. That's

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Speaker 2: exactly right my birthday. Surely people are buying. Oh, I know,

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Speaker 2: I really should have taken it. I was shocked by

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Speaker 2: how many people offered me a drink. Well, my drink

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Speaker 2: doesn't cost any money, so this is really really a shame.

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Speaker 2: But it was really good. It is a really good

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Speaker 2: A couple of weeks and I went a couple of

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Speaker 2: dates with someone, which is and then yeah, well, you know,

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Speaker 2: who knows that we might get married and maybe maybe

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Speaker 2: we won't, but start looking likely that we're going to

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Speaker 2: get married and have children. Love. Yeah, you know, you

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Speaker 2: just go I'm really manifesting. Yeah, that's just going to

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Speaker 2: you hole it. Just in case she's listening, I'm I

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Speaker 2: promise I'm joking. Also, no one knows who I'm talking about.

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Speaker 2: So anyway, do we do because we was cute? Definitely?

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Speaker 2: Do I like your instagram? Is she good enough for

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Speaker 2: our back?

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Speaker 4: My good enough?

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Speaker 2: Anyway? Onto The question is not are you good enough?

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Speaker 2: Are they good enough for you? What can you do

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Speaker 2: for me? Is the question? I mean that's not what

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Speaker 2: I was getting. Did you go on any dates this week?

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Speaker 2: I didn't, sadly, I mean, you're in a long term relationship.

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Speaker 2: That's cute.

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Speaker 5: We cooked Moley spin together. I was like, as a day,

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Speaker 5: my week was good. My car is currently at the

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Speaker 5: mechanic extremely overdrew, so everyone, I just have a bad

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Speaker 5: feeling about it.

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Speaker 4: But do you have a bad feeling about it because

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Speaker 4: of what I did with my car last week?

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Speaker 2: Is that? Yeah?

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Speaker 5: That's actually what made me check miney because mine is

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Speaker 5: about six months over jew and then your car corked

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Speaker 5: it and I was like, oh what.

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Speaker 4: Haven't you so long story short, I took my car

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Speaker 4: to the mechanic and it was just for a scheduled service.

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Speaker 4: I thought I was doing the Lord's work by doing

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Speaker 4: it on time, and I drop it off and they said,

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Speaker 4: oh v this is wrong, this is wrong, and this

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Speaker 4: is wrong. And it was our like the car that

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Speaker 4: my husband and I share, so he mainly drives it.

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Speaker 4: I drive it sometimes if I'm like picking up Jessica

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Speaker 4: and need to impress her and take my dog somewhere.

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Speaker 4: And they told me that the battery needed fixing. But

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Speaker 4: it's like some fancy type of battery. Anyone listening is

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Speaker 4: going to be like, Victoria, you're so daft, and I'll

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Speaker 4: be like, yes, I am sorry, but it's like this

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Speaker 4: fancy battery that like there's a battery under the seat

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Speaker 4: as well as in the hood. And so they quoted

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Speaker 4: me like a ridiculous amount to fix it, and I

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Speaker 4: was like, I'm going to get a second opinion. And

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Speaker 4: what they say, they said, you can go get a

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Speaker 4: second opinion.

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Speaker 2: That's so fine.

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Speaker 4: This is just like a really expensive battery to replace

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Speaker 4: across the board, like we haven't really added much labor.

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Speaker 2: And I'm sitting there being.

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Speaker 4: Like yeah, sure, yeah, sure, no worries, and they're like,

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Speaker 4: just be aware that the battery will work today, but

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Speaker 4: when we tested it, it's like got failed cells in

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Speaker 4: it or whatever that means, and it could just not

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Speaker 4: work at any time, right, trying to scare me.

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Speaker 2: The next week, Jessica, what happened?

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Speaker 5: Car didn't work, cutting work, in fact, did not work

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Speaker 5: at any given time, exactly like.

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Speaker 2: What they said. And when I got second opinions, Beck,

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Speaker 2: you know what happened?

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Speaker 4: More expensive everywhere else because I wanted to charge labor

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Speaker 4: as well.

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Speaker 2: I see, so I should have just done it the

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Speaker 2: first time. She's too late to go back and ask

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Speaker 2: for the exact same quote.

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Speaker 4: Thankfully, I have fostered a great relationship with the mechanic

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Speaker 4: and I text him and I said himitch in a

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Speaker 4: twist of fate that you saw coming no longer starts,

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Speaker 4: and he said, just drop it in and fixed today.

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Speaker 4: I said, that is very kind of you.

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Speaker 2: Thank you, Sorry for calling you a liar and a thief.

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Speaker 2: And I'm back, I did.

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Speaker 4: Car services are so expensive, and you know when they

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Speaker 4: come back with like all these additional things, I'm like,

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Speaker 4: are you looking at me? Going You're a silly little

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Speaker 4: white girl who doesn't know anything about anything? And I

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Speaker 4: don't know I don't know anything about anything.

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Speaker 2: How we got in trouble right.

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Speaker 5: It was very funny though, because I drove because obviously

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Speaker 5: you needed to get back home, so I drove with

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Speaker 5: you there and bribed her.

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Speaker 2: We did do a macis running the way home.

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Speaker 4: I said, if you drop me at the mechanics, oh,

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Speaker 4: buy you a happy meal?

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Speaker 2: Oh that's nice, and I said immediately yes obviously of course.

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Speaker 2: Did you get a Griomas shake?

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Speaker 5: No?

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Speaker 2: Sorry, continued, what's a Grimmer's shake? Have you guys? This

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Speaker 2: thing on? TI took right, but I don't really know. Yes,

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Speaker 2: it is that purple like shake. Oh vile? Absolutely not.

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Speaker 2: Do they have that here? I have no idea. Jesse

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Speaker 2: gets six nuggets, six nuggets because I had a toy. Yeah,

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Speaker 2: we have the to toy. Silly. Absolutely. Have you ever

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Speaker 2: seen a person with a happy meal not being happy?

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Speaker 2: H a single person? Actually, that's what I think of it.

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Speaker 5: Yeah, to wrap it up, the mechanic said that that

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Speaker 5: was the equivalent of a walk of shame.

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Speaker 4: I'm walking in and he's like it beat sassy, like

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Speaker 4: in a funny way.

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Speaker 2: He was a nice guy, so he wasn't being rude.

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Speaker 4: He's like, just you know this is the equivalent of

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Speaker 4: a walk of shame, and I was like, thank you,

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Speaker 4: kind sir.

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Speaker 5: I'm going to call it him money win though, because

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Speaker 5: he didn't charge you anymore even though you did infaction.

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Speaker 2: I listen to him the first time.

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Speaker 4: Yeah, I think I think he now knows he's got

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Speaker 4: a client for life. Yeah, because I was kind of like,

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Speaker 4: thanks for looking.

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Speaker 2: After me, but your entire life. I owe him every

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Speaker 2: car service into eternity. Yes, sorry, you'll say something. You're

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Speaker 2: carving all right the shop.

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Speaker 4: Sorry, I hope and prayers are going out to Jessica

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Speaker 4: that her car doesn't end up like my car, and

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Speaker 4: if it does, she just takes the advice.

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Speaker 2: Yeah, you'll be listening to my mechanic.

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Speaker 4: Yeah, don't do what Victoria did. But do you know

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Speaker 4: what we should get into is the community money wins.

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Speaker 4: Mister Scricci, what have you round up for us this week?

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Speaker 5: My first money in this week comes from Lucy, who

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Speaker 5: said money win sort of. I'm no longer living pay

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Speaker 5: to pay. I have plenty left over each fortnight, even

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Speaker 5: after putting away savings and some investing. After living as

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Speaker 5: a single mum for ten years. This is a massive

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Speaker 5: thing for me. Financial stress has had a huge impact

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Speaker 5: on my mental health. Love and over one hundred people

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Speaker 5: were liking and commenting on that, and I was just

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Speaker 5: loving seeing people get behind her. Good on you, Lucy.

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Speaker 5: My next money win comes from Ashley, who said, to

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Speaker 5: prove a point to my friends, I just calculated the

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Speaker 5: cost benefit of my health insurance premiums for extras is

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Speaker 5: eight hundred and forty three dollars seventy per year. However,

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Speaker 5: I can claim up to thirty four hundred dollars every year.

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Speaker 5: I max out several of the categories, meaning I use

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Speaker 5: a maximum of seventeen fifty. This doesn't factor in how

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Speaker 5: much I save on the Medicare Levey surcharge as well.

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Speaker 5: I knew my health insurance was worth it because I

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Speaker 5: use it a lot, but I'd never crunch the numbers.

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Speaker 5: And I just love the idea of someone running the

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Speaker 5: mass like it's not going to be the same, but

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Speaker 5: everyone it's going to depend on what you use and

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Speaker 5: what you need.

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Speaker 2: I also love that it was like because she wanted yeah, yeah,

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Speaker 2: I took.

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Speaker 4: I was like, that's why I calculate things too, Actually,

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Speaker 4: you are our people.

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Speaker 5: My next money win comes from Anthea, who said My

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Speaker 5: money win this week is I simply talked to my

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Speaker 5: husband out of going out for brunch on Sunday money loss.

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Speaker 5: I forgot my lunch, so I'm currently waiting for my

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Speaker 5: boat lunch to be warmed up.

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Speaker 2: But we won't telling him that.

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Speaker 1: I know.

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Speaker 4: Between two hundred and fifty on the money community members

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Speaker 4: and you they have now the field.

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

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Speaker 5: I got a rain check. I've never done it before,

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Speaker 5: but I was in Calls and my preferred washing powder

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Speaker 5: was out of stock and on sale for fifty percent off.

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Speaker 5: I asked a staff member who was stacking the shelves

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Speaker 5: nearby if they had more out the back or elsewhere

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Speaker 5: in the store, and she scanned it and said they

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Speaker 5: didn't have any and to go to the front desk

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Speaker 5: for a rain check. So now I have a rain

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Speaker 5: check in my wallet for two boxes of washing powder

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Speaker 5: fifty percent off for next time. What And I wonder

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Speaker 5: if split that and do like one f and then

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Speaker 5: hold on that rain check.

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Speaker 2: Yeah, that could be a money.

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Speaker 5: I was intending on buying five and then just spread

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Speaker 5: it out for the next half of many months.

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Speaker 2: Oh, that's such a good idea.

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Speaker 5: I don't know if that works or not. Someone let

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Speaker 5: us know it's worth the crack. My next money wind

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Speaker 5: comes from Juliet, who said money win. I won a

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Speaker 5: v cap case and I'm getting back a total of

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Speaker 5: two thousand, five hundred.

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Speaker 2: And four dollars from my landlord, Spicy. We'll love to

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Speaker 2: see it. Please no fighting in the comment.

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Speaker 4: Please no fighting in the comments, but also please slide

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Speaker 4: into our DMS and let us know why.

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Speaker 2: Because we need the date, We need the juice. Do

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Speaker 2: you want? We need to know what you guys want

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Speaker 2: to be shaking for that tea? She's ready.

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Speaker 5: And lastly, I have a money lost from simone, which

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Speaker 5: I thought might play into what we're chatting about a

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Speaker 5: little bit later, she said money loss. My partner turns

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Speaker 5: the heat around in our bedroom each morning before going

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Speaker 5: to work. Past three work days, he's left it on

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Speaker 5: all day, so it's boiling when I get home, and

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Speaker 5: our electricity provider is loving it, but my wallet not

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Speaker 5: so much. Yes, I'm going to hide the remote on

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Speaker 5: him so he can no longer use it.

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Speaker 2: We've all been there. We've all been there. Do you

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Speaker 2: hide things in your house from your partner? Jessica.

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Speaker 5: He has a tendency to open multiple Natala's at once,

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Speaker 5: So if he's running low on Natalla and I buy

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Speaker 5: a new one, I hide the new one until the

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Speaker 5: old one's finished because it drives me nuts like it

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Speaker 5: is like it is, so I have to open at

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Speaker 5: the same time to open in our pantry currently, And

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Speaker 5: I like, why do.

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Speaker 2: You keep buying Ntella?

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Speaker 5: I don't know, he doesn't want he goes to the

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Speaker 5: grocery store.

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Speaker 2: But anyway, absolutely not. So that was so fun of

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Speaker 2: mine for you that before.

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Speaker 5: Yesterday you see me getting angry.

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Speaker 2: This is what you've got.

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Speaker 4: If this is exactly what you've got to look forward

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Speaker 4: to back in your long term relationship that you're getting,

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Speaker 4: I'm very yes, seriously, we have ice cube tray fights,

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Speaker 4: so yeah, not feeling it up. Don't if you're gonna

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Speaker 4: use the ice but you have another ice specially I know.

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Speaker 4: But the ice cubes are bigger than this. Look different

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Speaker 4: ice cubes of different situations.

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Speaker 2: Yes, sure, yeah, wow.

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Speaker 5: But if you get to use the ice tribes, yeah,

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Speaker 5: you fill them out. Oh absolutely, they're the rules unless

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Speaker 5: you're a guest, in which case you don't need to.

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Speaker 5: You can just help yourself. But is my husband and

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Speaker 5: guest in this house.

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Speaker 2: Absolutely not. He pays half the mortgage, so absolutely not.

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Speaker 2: This is your house to fill up the ice. Let's

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Speaker 2: move on.

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Speaker 4: I want to know your break tips before Jess and

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Speaker 4: I write on our partners.

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Speaker 2: Well, funny you say, Jess about the coal thing. Oh,

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Speaker 2: because a few people actually sent me that that wasn't

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Speaker 2: actually going to be mentioned this week. But since you

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Speaker 2: mentioned it, I'm going to say that that's actually a

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Speaker 2: really really good break tip. If yeah, if something runs out,

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Speaker 2: then you can I don't know, do you go to

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Speaker 2: the front at in front of the store and you

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Speaker 2: sa tell them to give you a little voucher? Can

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Speaker 2: you give you a little vucher? That's something I want

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Speaker 2: to know. If you can do like twenty in one go.

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Speaker 4: You recom there, it's a timeline on it, like with

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Speaker 4: your little voucher that has to be redeemed before xby

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Speaker 4: zed even if you.

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Speaker 2: Do have to redeem them more ones. If you have

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Speaker 2: the money, then you have like a bowl. This is

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Speaker 2: such a weird coincidence. Circular circular.

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Speaker 4: We were talking about ntella and ice cubes, which does

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Speaker 4: lead to relationship equity.

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Speaker 2: But we'll get to that later. Yes's true. So my

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Speaker 2: first breake tip for this week comes from Grace has

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Speaker 2: said that when she was super poor, she would steam

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Speaker 2: a sugar a sugar part of rice than by the

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Speaker 2: continental copper soups, continental cup of soup when they were

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Speaker 2: half price, and then she would heat them all together

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Speaker 2: and a container, add a cup of soup on top,

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Speaker 2: and that would be her version of a poor person's rosotto.

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Speaker 2: Does that sound like it makes sense to you, guys?

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Speaker 2: Maybe it made absolutely no sense.

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Speaker 4: So you see how she pre cooks the rice rosotto

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Speaker 4: out of them with a cup of soup exactly. Okay,

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Speaker 4: So it's a quote unquote poor persons rosotto, which sounds

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Speaker 4: to me absolutely delicious. So I think that you need

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Speaker 4: to hack it a bit more, though, Grace, because I

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Speaker 4: would want to cook the.

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Speaker 5: Rice in the soup mix so that like the flavors were.

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Speaker 2: Whiskey whisk around, but you would have to boil the

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Speaker 2: rice first so that it doesn't dilute what flavor. So

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Speaker 2: you cook the rice and then you add your steamed

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Speaker 2: cup of soup inside the rice, so now it's just

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Speaker 2: soup with rice. Grace, if you're listening to this, I

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Speaker 2: am so excited to try this. I'll report back for sure,

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Speaker 2: and you can use as little or as much liquid

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Speaker 2: as you like. It's up to you. I think that's

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Speaker 2: my on sale cup of soup dirt cheap.

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Speaker 4: And do you know what you're not going to put

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Speaker 4: on your rice? Because I saw it at the supermarket

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Speaker 4: this week, bag of shredded cheese eleven dollars.

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Speaker 5: I saw a TikTok chips were two for eleven and

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Speaker 5: literally two bags of chips for eleven dollars, and they like.

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Speaker 4: I don't care what size that is. That is the

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Speaker 4: use feavery for five? Absolutely not the popcorns two for five?

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Speaker 4: Is it steal two for five on popcorn?

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Speaker 2: No idea.

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Speaker 4: We've got to we've got to look into this. But

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Speaker 4: we're not putting cheese on Arizona anymore. Boy, cheese eleven

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Speaker 4: dollars a bag of straighted cheese absolutely not crazy. You're

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Speaker 4: going vegan, We're gonna follow in your footsteps.

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Speaker 2: Thing, It's gonna be great. Maybe that's a good break tip.

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Speaker 2: Maybe that is a good breaked vegan. So the next

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Speaker 2: one comes from Sabrina, who suggests that and this is

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Speaker 2: a very real reality for a lot of people if

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Speaker 2: you do not have an iron in your home, if

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Speaker 2: you can't afford an iron, you don't want to, you

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Speaker 2: don't have room for an iron, you've lived in a

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Speaker 2: small house. I think some people can relate out there.

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Speaker 1: I don't.

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Speaker 2: I certainly can, just wouldn't ever use an iron iron.

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Speaker 2: I don't know an iron either, and there have been

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Speaker 2: times where literally couldn't fit one or afford one. Yep.

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Speaker 2: Fair So she has said that what you can do

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Speaker 2: is if you have a hot shower, you pop your

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Speaker 2: clothes in the hot shower, but not in shower, in

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Speaker 2: the water in the bathroom. In the time, steam will

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Speaker 2: get rid of the wrinkles, just like a commercial steamer

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Speaker 2: used in shops. So yet you say power, ridge, space

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Speaker 2: and dollars to buy the iron slash ironing board, which

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Speaker 2: is a great idea something I use. And this is

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Speaker 2: also if you actually do have access to a hair dryer,

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Speaker 2: hair dry we'll use the hair dryer too as well. Yeah,

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Speaker 2: what do you use, Jess?

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Speaker 5: I have a steamer because I worked retail, So I

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Speaker 5: just I can't like. Once I use the steamer, I

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Speaker 5: was like, my life has changed forever, and so I

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Speaker 5: never go back. But I like VD taught me this one.

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Speaker 5: If you when you wash certain fabrics, like a lot

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Speaker 5: of natural fabrics, particularly after you wash it, give it

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Speaker 5: a once.

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Speaker 2: You got to shake it out.

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Speaker 5: Shake because they come out of the wash really wrinkly.

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Speaker 5: But you can actually if you shake it out before

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Speaker 5: you hang it, it dries significantly less wrinkled.

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Speaker 4: Yeah, Like I like real tug on the collars of

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Speaker 4: things to like flatten them out before they dry.

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Speaker 2: Yeah, and it works. That's a great So maybe you

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Speaker 2: pair that with the shower and you get air and

387
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Speaker 2: you've got yourself shirt. You absolutely don't even need it.

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Speaker 4: No, great tip, Thank you, Sabrina.

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Speaker 2: I love that. I love that great And then all

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00:18:01,400 --> 00:18:04,400
Speaker 2: you've got what's yours? That's from the community. My personal

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Speaker 2: break tip is, I know I know exactly what it is.

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Speaker 2: I think you know what it is.

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Speaker 4: I know exactly, but you may or may not have

394
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Speaker 4: seen me eating this What do you mean, may or

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Speaker 4: may not have it all over?

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Speaker 2: And I haven't actually had shorts. Yeah, I didn't realize.

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00:18:19,000 --> 00:18:21,280
Speaker 2: It's like, oh you might have noticed. It was hard

398
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Speaker 2: not to. So what I do is I buy myself

399
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Speaker 2: like a either you can make spaghetti or you can

400
00:18:27,480 --> 00:18:29,439
Speaker 2: buy a spaghetti, whatever you want to do. And then

401
00:18:29,480 --> 00:18:32,720
Speaker 2: if you want like a really cheap version of garlic bread,

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Speaker 2: cheap that will last you a long time, maybe the

403
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Speaker 2: whole week, maybe two weeks. A loaf of bread. I

404
00:18:38,040 --> 00:18:45,920
Speaker 2: love my loads of bread. In this segment, Syle and aliaway,

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Speaker 2: is that what they do.

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Speaker 5: So they used to make I don't know if they

407
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Speaker 5: used to do. Used to have to get cheesy garlic

408
00:18:51,760 --> 00:18:54,080
Speaker 5: bread at Subway when I worked retail and I was poor,

409
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Speaker 5: because they did a special. It's like two dollars for

410
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Speaker 5: a cheesey garlic bread and it would be like the

411
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Speaker 5: subway roll cut in half and they put like the garlicoli,

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Speaker 5: sauce and cheese on.

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Speaker 2: Topo that sounds really really good.

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00:19:04,240 --> 00:19:07,600
Speaker 5: Eleven dollar cheese not so much, but aoli true and

415
00:19:07,640 --> 00:19:09,199
Speaker 5: you just like you toast the bread, don't even need

416
00:19:09,200 --> 00:19:11,879
Speaker 5: to put butter or anything, and you get really facts

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Speaker 5: from the mayo.

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Speaker 2: Totally cheap aoli, the cheapest one you can find, the

419
00:19:16,080 --> 00:19:19,399
Speaker 2: cheapest bread you can find. Toast the bread, chuck the

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Speaker 2: aoli on. You've put yourself.

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00:19:20,920 --> 00:19:24,000
Speaker 4: Garlic bread, yeah, just before, and to make it even

422
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Speaker 4: cheaper today?

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Speaker 2: Did you even pay for the bread today? No, I

424
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Speaker 2: didn't stole it from the kitchen. Kitchen stunning. That's so good.

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Speaker 5: Cheap lunch that isn't stealing when it's meant for everybody

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Speaker 5: into communal kitchen.

427
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Speaker 2: Communal.

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Speaker 4: It feels better when you say it's stolen.

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Speaker 2: It does there's something more? Stole it from the kitchen? Yeah,

430
00:19:42,320 --> 00:19:45,240
Speaker 2: that's it's a bit satisfying. Yeah, steal it, but money weird?

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Speaker 2: That's that for this week.

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Speaker 4: I would never have thought to make garlic bread with aoli,

433
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Speaker 4: but I can see how it would work when you

434
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Speaker 4: are out of options and.

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Speaker 2: Or you've worked at subway, it seems, or you've worked

436
00:19:57,800 --> 00:20:00,440
Speaker 2: at Subway. Yes, it turns out it's not so broke

437
00:20:00,480 --> 00:20:02,640
Speaker 2: after all. I love it. But good tip, good tip.

438
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Speaker 4: All right, let's go to a really quick break and

439
00:20:04,880 --> 00:20:06,359
Speaker 4: on the flip side, we're going to be talking about

440
00:20:06,359 --> 00:20:09,080
Speaker 4: one of Jess Richie's favorite tips, and that's bulk buying.

441
00:20:09,520 --> 00:20:11,600
Speaker 4: The second thing we're going to talk about is something

442
00:20:11,640 --> 00:20:13,480
Speaker 4: that you slid into our DMS about which we're going

443
00:20:13,560 --> 00:20:17,320
Speaker 4: to be speaking all about relationship equity this week, So guys,

444
00:20:17,440 --> 00:20:18,960
Speaker 4: do not go anywhere.

445
00:20:23,119 --> 00:20:28,600
Speaker 2: Welcome back, everybody. Let's talk about this week's money dilemma. Hi, there,

446
00:20:28,880 --> 00:20:29,480
Speaker 2: have you got a.

447
00:20:29,440 --> 00:20:31,960
Speaker 4: Money dilemma you just can't solve. The Sheese on the

448
00:20:31,960 --> 00:20:35,040
Speaker 4: Money team is here to help. Every week, we tackle

449
00:20:35,080 --> 00:20:37,720
Speaker 4: your dilemmas, both big and small, to answer your most

450
00:20:37,760 --> 00:20:38,840
Speaker 4: burning money.

451
00:20:38,600 --> 00:20:39,960
Speaker 2: Career and life questions.

452
00:20:40,160 --> 00:20:42,640
Speaker 4: To get involved, simply head to our website and leave

453
00:20:42,720 --> 00:20:44,840
Speaker 4: us a short voice recording and you might just find

454
00:20:44,880 --> 00:20:47,600
Speaker 4: yourself on the show. Now, let's take a listen to

455
00:20:47,640 --> 00:20:51,160
Speaker 4: this week's money dilemma.

456
00:20:52,160 --> 00:20:56,959
Speaker 3: Hi, ladies. My question is in regards to buying things

457
00:20:57,000 --> 00:20:59,600
Speaker 3: in bulk. So there's a lot of products that I

458
00:20:59,640 --> 00:21:03,280
Speaker 3: really enjoy, and a lot of them it's much much

459
00:21:03,359 --> 00:21:07,800
Speaker 3: cheaper to buy several or a ten pac or something

460
00:21:07,920 --> 00:21:10,240
Speaker 3: like that, and I know that I'm going to use them,

461
00:21:10,760 --> 00:21:13,600
Speaker 3: but they are things that take a while to use,

462
00:21:13,760 --> 00:21:16,600
Speaker 3: like bars of soap and stuff like that, and you

463
00:21:16,640 --> 00:21:19,480
Speaker 3: don't really need to have twny bars of soap in

464
00:21:19,520 --> 00:21:23,399
Speaker 3: your cupboard. So I'm just asking how to resist the

465
00:21:23,560 --> 00:21:26,560
Speaker 3: urge to buy things in bulk and should I be

466
00:21:26,600 --> 00:21:29,080
Speaker 3: buying them in bulk? Yeah? Thank you.

467
00:21:29,359 --> 00:21:32,199
Speaker 2: That is such a wholesome, funny question. I think it is.

468
00:21:32,320 --> 00:21:34,960
Speaker 4: I mean, if you're planning for an apocalypse twenty bars

469
00:21:34,960 --> 00:21:37,560
Speaker 4: of soap might actually be very necessary.

470
00:21:37,920 --> 00:21:40,240
Speaker 5: If you want to feel better about yourself, watch Extreme

471
00:21:40,280 --> 00:21:42,800
Speaker 5: couponas because you'll be like, oh, I'm really not buying

472
00:21:42,800 --> 00:21:44,399
Speaker 5: in bulk if I'm buying my soap.

473
00:21:44,920 --> 00:21:47,600
Speaker 2: I cannot stand that show.

474
00:21:48,480 --> 00:21:51,960
Speaker 4: Oh I love watching it, but I just feel like

475
00:21:52,160 --> 00:21:54,600
Speaker 4: there are so many people in need in the world,

476
00:21:54,680 --> 00:21:56,679
Speaker 4: and then there are these people who are.

477
00:21:56,560 --> 00:22:00,720
Speaker 2: Just stock piling, Like what do you need detgent?

478
00:22:01,800 --> 00:22:02,200
Speaker 5: Donate?

479
00:22:02,720 --> 00:22:06,600
Speaker 4: Or they why have you got an entire pantry in

480
00:22:06,640 --> 00:22:12,160
Speaker 4: your house with stockpiles of things and full stock rotation systems.

481
00:22:11,560 --> 00:22:15,080
Speaker 2: In place for them? Sure, Like, I don't know.

482
00:22:15,480 --> 00:22:17,960
Speaker 4: I get that you might donate things, but if you're

483
00:22:18,000 --> 00:22:20,679
Speaker 4: on extreme coupons, you're not donating that much because you

484
00:22:20,680 --> 00:22:22,359
Speaker 4: have a stockpile room at your own house.

485
00:22:23,720 --> 00:22:26,399
Speaker 2: I don't know. It's a good point fee, But in

486
00:22:26,400 --> 00:22:27,840
Speaker 2: this that's not what this is about.

487
00:22:27,840 --> 00:22:30,040
Speaker 4: This it's about buying in bulk and not needing twenty

488
00:22:30,080 --> 00:22:31,400
Speaker 4: bars of soap under your sink.

489
00:22:32,560 --> 00:22:35,760
Speaker 2: Jessica, do you buy many things in bulk?

490
00:22:36,359 --> 00:22:39,000
Speaker 5: I wouldn't say extreme bulk, No, Like I tend to

491
00:22:39,040 --> 00:22:40,840
Speaker 5: do if something that I use all the time, like

492
00:22:40,920 --> 00:22:43,680
Speaker 5: if laundry detergent is half priced. I tend to buy

493
00:22:43,680 --> 00:22:45,120
Speaker 5: two because I'm like, well, I'm paying what I would

494
00:22:45,119 --> 00:22:47,359
Speaker 5: pay for one. Like my rule of thumb is I

495
00:22:47,440 --> 00:22:49,480
Speaker 5: like to have threes of things.

496
00:22:50,080 --> 00:22:51,000
Speaker 2: Threes of things.

497
00:22:51,040 --> 00:22:53,560
Speaker 5: I like to have one that's open, backup and a

498
00:22:53,600 --> 00:22:54,560
Speaker 5: backup of my backup.

499
00:22:55,119 --> 00:22:59,280
Speaker 2: Is that why there are three open ntellas right now? Well,

500
00:22:59,440 --> 00:23:01,399
Speaker 2: one of them is open, two of them should be closed.

501
00:23:02,320 --> 00:23:04,199
Speaker 5: No, but I just for me, it's like, Okay, so

502
00:23:04,280 --> 00:23:06,960
Speaker 5: I finished one off, then I open a new one,

503
00:23:07,040 --> 00:23:09,200
Speaker 5: and when that happens, I have one open and one backup,

504
00:23:09,359 --> 00:23:11,480
Speaker 5: And so I have plenty of time because I don't

505
00:23:11,520 --> 00:23:13,159
Speaker 5: want to pay full price for it, so I have

506
00:23:13,240 --> 00:23:14,760
Speaker 5: plenty of time to wait for it to go on

507
00:23:14,880 --> 00:23:17,639
Speaker 5: sale before I replace my backup back up.

508
00:23:19,400 --> 00:23:25,440
Speaker 2: There's a lot of bit crazy. I think that's really beautiful. Beck,

509
00:23:25,520 --> 00:23:29,480
Speaker 2: Do you buy backups? We've all got out little things. No,

510
00:23:29,720 --> 00:23:32,200
Speaker 2: I don't really, but I know that my mum used

511
00:23:32,200 --> 00:23:33,919
Speaker 2: to buy in bulk, like if something was on special.

512
00:23:34,760 --> 00:23:36,600
Speaker 2: It's a clever thing to do. Like if someone something

513
00:23:36,680 --> 00:23:40,159
Speaker 2: super cheap, you buy like maybe five of them and

514
00:23:40,200 --> 00:23:42,440
Speaker 2: then you have that cheap for a while.

515
00:23:42,640 --> 00:23:44,560
Speaker 4: But I think you need to do the maths though, Yeah,

516
00:23:44,600 --> 00:23:48,240
Speaker 4: maybe I don't because I would really rather not have

517
00:23:48,240 --> 00:23:51,520
Speaker 4: the clutter and pay that it's a.

518
00:23:51,560 --> 00:23:53,800
Speaker 2: Luxury to have the space to store the bulk of

519
00:23:53,840 --> 00:23:55,720
Speaker 2: the totally where do you put it all?

520
00:23:55,800 --> 00:23:58,760
Speaker 4: Yeah, yeah, that's me, Like if we've run out of it, Jess,

521
00:23:58,800 --> 00:24:00,800
Speaker 4: there's no more in the house, Like, don't ask me

522
00:24:00,880 --> 00:24:03,280
Speaker 4: for my backup, there is no backup. It means I

523
00:24:03,320 --> 00:24:06,359
Speaker 4: have to go to the supermarket. And yeah, I just

524
00:24:06,920 --> 00:24:09,720
Speaker 4: live my life that way, to be wild on the edge,

525
00:24:10,080 --> 00:24:12,679
Speaker 4: fit on the edge, especially for someone who has a

526
00:24:12,680 --> 00:24:13,640
Speaker 4: backup of a backup.

527
00:24:13,760 --> 00:24:15,840
Speaker 2: Yes, I'm eann nervous a little bit.

528
00:24:16,560 --> 00:24:18,960
Speaker 4: I could never like, I just don't want clutter in

529
00:24:19,000 --> 00:24:20,959
Speaker 4: my house. I'm the type of person that just throws

530
00:24:21,040 --> 00:24:23,600
Speaker 4: things away, like not puts them in the bin. Don't

531
00:24:23,640 --> 00:24:26,280
Speaker 4: think I'm being wasteful, but I donate stuff if I'm like,

532
00:24:26,280 --> 00:24:28,000
Speaker 4: I haven't worn this in ages, get it out of

533
00:24:28,000 --> 00:24:29,919
Speaker 4: my wardrobe, get it out of my life. Like I

534
00:24:30,000 --> 00:24:33,360
Speaker 4: just don't want junk in my house. I just don't.

535
00:24:33,600 --> 00:24:35,560
Speaker 5: I feel like it's worth saying for me and our listener.

536
00:24:35,760 --> 00:24:37,920
Speaker 5: It's things she said that you're going to use, Like

537
00:24:38,080 --> 00:24:41,200
Speaker 5: I wouldn't have three pairs of the same shoes, you know,

538
00:24:41,240 --> 00:24:42,480
Speaker 5: I would, Yeah, but I would have.

539
00:24:45,480 --> 00:24:47,879
Speaker 2: But if it's really nice, I'll buy it twice.

540
00:24:48,000 --> 00:24:50,399
Speaker 5: If it's nice, bat twice. But things like toilet paper,

541
00:24:50,880 --> 00:24:54,080
Speaker 5: cleaning supplies, things like that, I tend to have multiples off.

542
00:24:54,160 --> 00:24:57,280
Speaker 5: I wouldn't call having two or three bulk like having

543
00:24:57,280 --> 00:24:59,960
Speaker 5: the twenty bars of soap. But I mean, if it's financial,

544
00:25:00,160 --> 00:25:01,679
Speaker 5: she said, she run the math and it's cheaper for

545
00:25:01,720 --> 00:25:05,040
Speaker 5: her to buy twenty than to buy however many I

546
00:25:05,080 --> 00:25:05,320
Speaker 5: know you.

547
00:25:05,320 --> 00:25:07,200
Speaker 4: Don't need it in your house, but like, if you've

548
00:25:07,240 --> 00:25:09,639
Speaker 4: got the space, what's the problem with saving some money over.

549
00:25:09,480 --> 00:25:10,040
Speaker 2: The long term.

550
00:25:10,080 --> 00:25:11,880
Speaker 4: I don't think it's a problem. I mean it would

551
00:25:11,920 --> 00:25:13,800
Speaker 4: be a problem if you're buying things that you weren't

552
00:25:13,840 --> 00:25:17,400
Speaker 4: actively using and just hoarding them. That's a different story completely.

553
00:25:18,000 --> 00:25:20,439
Speaker 4: Or you know, I don't think soap goes off, but

554
00:25:20,480 --> 00:25:23,440
Speaker 4: like it went off before you could use it.

555
00:25:23,680 --> 00:25:25,520
Speaker 5: Yeah, make sure if you're buying in bulk that if

556
00:25:25,560 --> 00:25:28,440
Speaker 5: it's a perishable item, that you can use it within

557
00:25:28,480 --> 00:25:30,200
Speaker 5: the timeframe, because there's no point having twenty bars of

558
00:25:30,240 --> 00:25:32,280
Speaker 5: soap that are cheaper than ten bars of soap if

559
00:25:32,280 --> 00:25:33,640
Speaker 5: you only use five of them.

560
00:25:33,760 --> 00:25:34,280
Speaker 2: Yeah.

561
00:25:34,359 --> 00:25:37,719
Speaker 4: Yeah, I also think it's a really interesting conversation actually

562
00:25:37,760 --> 00:25:39,320
Speaker 4: that leans into money.

563
00:25:39,000 --> 00:25:40,480
Speaker 2: Stories quite deeply.

564
00:25:40,960 --> 00:25:43,680
Speaker 4: Like I grew up in a family where I was

565
00:25:43,760 --> 00:25:46,640
Speaker 4: quite privileged and we never went without, and I think

566
00:25:46,680 --> 00:25:50,560
Speaker 4: that might play into my not necessity to have backups

567
00:25:50,560 --> 00:25:52,439
Speaker 4: and things because I'm like, no, like it's okay, we

568
00:25:52,480 --> 00:25:54,720
Speaker 4: can go to the supermarket and we can pick it up.

569
00:25:54,800 --> 00:25:57,320
Speaker 4: Whereas you know, I've got no idea about that side

570
00:25:57,320 --> 00:25:59,320
Speaker 4: of your money story, Jess, but like I know that

571
00:25:59,359 --> 00:26:02,639
Speaker 4: you ways lean towards being a little bit more financially

572
00:26:02,680 --> 00:26:05,560
Speaker 4: secure and making secure decisions, and that kind of makes

573
00:26:05,600 --> 00:26:08,280
Speaker 4: sense to me that you would lean into always having

574
00:26:08,280 --> 00:26:10,320
Speaker 4: a backup of something and being way more prepared than me.

575
00:26:10,880 --> 00:26:13,000
Speaker 4: And then Beck, it makes sense the way that you

576
00:26:13,040 --> 00:26:14,680
Speaker 4: live your life as well, and that your mum would

577
00:26:14,680 --> 00:26:17,240
Speaker 4: have bought things in bulk. I think when it comes

578
00:26:17,280 --> 00:26:19,359
Speaker 4: down to it, the important thing about buying in bulk

579
00:26:19,440 --> 00:26:21,200
Speaker 4: is that you're not just buying it in bulk because

580
00:26:21,200 --> 00:26:24,760
Speaker 4: you assume it's cheaper. You've actually done the maths because true,

581
00:26:24,800 --> 00:26:27,199
Speaker 4: do you know how many times? So historically I went

582
00:26:27,240 --> 00:26:30,639
Speaker 4: through a phase when I lived with Yes, we've all

583
00:26:30,640 --> 00:26:33,720
Speaker 4: been through the costco face, but I was doing the maths,

584
00:26:33,720 --> 00:26:36,280
Speaker 4: and it's sometimes not actually cheaper. You just end up

585
00:26:36,280 --> 00:26:39,000
Speaker 4: with two bigger bottles of things and it's not that

586
00:26:39,080 --> 00:26:40,560
Speaker 4: much cheaper, but you assume it is.

587
00:26:40,760 --> 00:26:42,960
Speaker 5: And it's ludicrous to have to pull out this huge,

588
00:26:43,000 --> 00:26:44,920
Speaker 5: massive box of corn fakes.

589
00:26:46,440 --> 00:26:48,600
Speaker 2: My jumbo super mega but corn.

590
00:26:48,800 --> 00:26:51,879
Speaker 4: One liter bottle of ranch.

591
00:26:53,520 --> 00:26:55,720
Speaker 5: Yeah, I agree, Like, I think it's not the worst thing.

592
00:26:55,880 --> 00:26:57,720
Speaker 5: It's working for you, if you've got the space, you're

593
00:26:57,760 --> 00:26:59,760
Speaker 5: using it all. I don't personally don't see it.

594
00:27:00,440 --> 00:27:02,480
Speaker 2: I don't see it as a problem either. But maybe

595
00:27:02,800 --> 00:27:04,160
Speaker 2: you've done the mass yeah.

596
00:27:03,920 --> 00:27:05,600
Speaker 4: And you've actually looked at it and been like, no,

597
00:27:05,680 --> 00:27:08,000
Speaker 4: this is something I use and it makes sense. I

598
00:27:08,000 --> 00:27:11,000
Speaker 4: actually think that's a smart money decision. I don't think

599
00:27:11,000 --> 00:27:12,760
Speaker 4: it's a bad thing. I would like to know more,

600
00:27:12,880 --> 00:27:15,320
Speaker 4: Like I have questions, like more about why you think

601
00:27:15,359 --> 00:27:17,639
Speaker 4: that might not be productive when it's clearly not the

602
00:27:17,640 --> 00:27:18,400
Speaker 4: worst idea ever.

603
00:27:18,920 --> 00:27:20,560
Speaker 5: I don't know, as long as it's not financially putting

604
00:27:20,600 --> 00:27:22,960
Speaker 5: you out either, like if you're paying the larger amount

605
00:27:23,040 --> 00:27:25,600
Speaker 5: for the bulk, like if you can afford it. Agreed,

606
00:27:25,720 --> 00:27:32,680
Speaker 5: Life Queen, Live, Lead, Love, Love, I usually love more.

607
00:27:32,480 --> 00:27:35,920
Speaker 4: On the same page. Yeah, let's jump into our community dilemma.

608
00:27:36,040 --> 00:27:37,960
Speaker 4: So this week we're going to unpack something that you

609
00:27:38,000 --> 00:27:41,359
Speaker 4: slid into our DMS about. And this is the DM

610
00:27:41,400 --> 00:27:43,879
Speaker 4: that we received this week that we have chosen to

611
00:27:44,000 --> 00:27:45,280
Speaker 4: dissect on the podcast.

612
00:27:45,359 --> 00:27:46,480
Speaker 2: Are you guys ready, Yeah?

613
00:27:46,520 --> 00:27:46,800
Speaker 3: Ready?

614
00:27:47,160 --> 00:27:48,800
Speaker 2: Hello? She's on the Money Team.

615
00:27:49,040 --> 00:27:51,840
Speaker 4: I need advice on the argument that keeps flowing between

616
00:27:51,840 --> 00:27:54,239
Speaker 4: my girlfriend and I. My girlfriend and I have been

617
00:27:54,280 --> 00:27:56,320
Speaker 4: in the same sex couple for four years now, and

618
00:27:56,359 --> 00:27:59,359
Speaker 4: this is our first time living together. I'm on a

619
00:27:59,440 --> 00:28:01,960
Speaker 4: higher paying job than her, so I contribute more to

620
00:28:02,000 --> 00:28:05,600
Speaker 4: the bills. She works really hard, but unfortunately her page

621
00:28:05,640 --> 00:28:08,840
Speaker 4: just isn't amazing. We keep arguing about having the heater

622
00:28:09,000 --> 00:28:11,800
Speaker 4: on because of course it's cold during winter. I really

623
00:28:11,800 --> 00:28:14,520
Speaker 4: want to be warm, and she is just super strict

624
00:28:14,560 --> 00:28:18,000
Speaker 4: on finances at the moment. I already contribute more than her,

625
00:28:18,119 --> 00:28:20,359
Speaker 4: but she gets upset when I have the heating on

626
00:28:20,680 --> 00:28:23,240
Speaker 4: because she thinks she won't be able to afford the bills.

627
00:28:23,640 --> 00:28:26,760
Speaker 4: I understand things are tired, but I value being comfortable.

628
00:28:27,040 --> 00:28:29,360
Speaker 4: I'm really struggling to find a happy medium in this.

629
00:28:31,480 --> 00:28:35,760
Speaker 4: Do you feel Jessica is probably not the person to

630
00:28:35,840 --> 00:28:38,239
Speaker 4: ask in this situation, And I say, that because her

631
00:28:38,280 --> 00:28:40,520
Speaker 4: heat is set to a warm, warm twenty two or

632
00:28:40,560 --> 00:28:42,480
Speaker 4: twenty three degrees year round.

633
00:28:42,640 --> 00:28:46,600
Speaker 2: Yeah, sometimes twenty four twenty four. Jess is card wild.

634
00:28:46,400 --> 00:28:47,920
Speaker 5: Because it works to me and my partner because we

635
00:28:47,960 --> 00:28:50,440
Speaker 5: have the same comfort point. Interestingly, though similar to our

636
00:28:50,440 --> 00:28:53,440
Speaker 5: person we both are at very different earning spot sure,

637
00:28:54,120 --> 00:28:55,960
Speaker 5: with me being the hiring kind earner.

638
00:28:56,160 --> 00:28:59,960
Speaker 2: Big dog and a jew familiar. I love that.

639
00:29:00,640 --> 00:29:02,840
Speaker 5: But to be honest, it's never been an issue for

640
00:29:02,920 --> 00:29:05,600
Speaker 5: us because we are both comfortable at that temperature point,

641
00:29:05,600 --> 00:29:09,480
Speaker 5: whereas friends of ours the girlfriend is similar to me

642
00:29:09,640 --> 00:29:12,280
Speaker 5: once it's toasty all the time, her boyfriend runs hot

643
00:29:12,600 --> 00:29:13,880
Speaker 5: like he is always warm.

644
00:29:13,920 --> 00:29:15,720
Speaker 2: There's no way Steve would let me have the heater on.

645
00:29:16,000 --> 00:29:18,720
Speaker 5: Yeah, And so it's finding a happy medium, I guess.

646
00:29:18,720 --> 00:29:20,360
Speaker 5: But the bigger thing here, I guess is it just

647
00:29:20,640 --> 00:29:23,320
Speaker 5: it goes beyond just the comfort of what temperature is

648
00:29:23,320 --> 00:29:24,920
Speaker 5: ideal for the house, And I guess it plays into

649
00:29:24,920 --> 00:29:27,200
Speaker 5: the bigger conversation of well, how do you manage it

650
00:29:27,480 --> 00:29:29,760
Speaker 5: when you're very different earning places?

651
00:29:29,920 --> 00:29:35,400
Speaker 2: Right, totally totally, I would say. So I'm thinking, what

652
00:29:35,760 --> 00:29:37,960
Speaker 2: are they I guess we don't really have the information

653
00:29:38,000 --> 00:29:41,440
Speaker 2: about like what they're contributing to what parts, Like someone

654
00:29:41,480 --> 00:29:43,560
Speaker 2: pay more rent? Is someone pay more this that? I

655
00:29:43,560 --> 00:29:48,280
Speaker 2: would say, figure out what your priorities are. Let's say

656
00:29:48,320 --> 00:29:51,560
Speaker 2: split rent down the middle, for example, half half. When

657
00:29:51,600 --> 00:29:54,480
Speaker 2: it comes to energy and heating, if you want to

658
00:29:54,480 --> 00:29:57,760
Speaker 2: be toasty all the time, I run cold. I'm constantly cold.

659
00:29:57,840 --> 00:30:00,520
Speaker 2: Same I want the heater on constantly, I would be

660
00:30:00,600 --> 00:30:03,560
Speaker 2: willing to pay extra for energy. I would be like,

661
00:30:03,920 --> 00:30:07,000
Speaker 2: I'll pay seventy percent and you just pay thirty percent,

662
00:30:07,600 --> 00:30:10,240
Speaker 2: regardless of what it comes to because I want it

663
00:30:10,360 --> 00:30:12,800
Speaker 2: hot all the time. I would be comfortable with that.

664
00:30:12,920 --> 00:30:15,680
Speaker 2: So are there ways like are you maybe spending more

665
00:30:15,720 --> 00:30:20,160
Speaker 2: on laundry detergent? Are you paying for like the little

666
00:30:20,200 --> 00:30:22,880
Speaker 2: bits and pieces in the bathroom? Maybe figure out what

667
00:30:22,920 --> 00:30:25,800
Speaker 2: you're both comfortable actually splitting down the middle and then

668
00:30:25,960 --> 00:30:29,880
Speaker 2: saying I'm willing in order to be comfortable, I promise

669
00:30:29,920 --> 00:30:32,840
Speaker 2: I'll pay if it's extra, if it's like really really expensive,

670
00:30:32,880 --> 00:30:34,360
Speaker 2: I'll pay X amount.

671
00:30:34,680 --> 00:30:36,280
Speaker 5: I just want to be comfortable, because you don't want

672
00:30:36,280 --> 00:30:39,040
Speaker 5: to demonize her or punish her for setting her financial

673
00:30:39,040 --> 00:30:41,720
Speaker 5: boundary either, Like if she's saying my money is really tight,

674
00:30:42,040 --> 00:30:44,600
Speaker 5: this is something that's really expensive, Like I want to

675
00:30:44,640 --> 00:30:46,840
Speaker 5: be conscious of it, Like, we don't want to disregard that,

676
00:30:46,880 --> 00:30:48,920
Speaker 5: because what we preach all the time, right is set

677
00:30:48,920 --> 00:30:51,760
Speaker 5: your boundaries, talk about what's important to you. So I

678
00:30:51,760 --> 00:30:54,200
Speaker 5: feel like your solution is, like, is a very practical

679
00:30:54,240 --> 00:30:56,560
Speaker 5: one really, because you also have the right to be comfortable.

680
00:30:56,600 --> 00:30:57,920
Speaker 5: Like if James said to me, oh, I want the

681
00:30:57,960 --> 00:31:00,480
Speaker 5: house to be fifteen degrees, I'd be like, yeah, that

682
00:31:00,640 --> 00:31:02,200
Speaker 5: is not going to work for me here.

683
00:31:03,080 --> 00:31:05,440
Speaker 4: I think it's interesting as well because we don't have

684
00:31:05,560 --> 00:31:09,200
Speaker 4: enough information about when this heat is on, Like is

685
00:31:09,240 --> 00:31:11,640
Speaker 4: this heater being left on all day while we're at

686
00:31:11,640 --> 00:31:14,160
Speaker 4: work or is it something that just gets switched on

687
00:31:14,440 --> 00:31:17,440
Speaker 4: in one room when you get home from work and

688
00:31:17,840 --> 00:31:20,040
Speaker 4: you know it's at the cool twenty four degrees that

689
00:31:20,080 --> 00:31:22,720
Speaker 4: Jess is happy with, but it's just the like mainland

690
00:31:22,920 --> 00:31:25,360
Speaker 4: droom or something after hours. So I think there's a

691
00:31:25,400 --> 00:31:29,760
Speaker 4: lot to I guess, converse about, because hypothetically, if you're

692
00:31:29,800 --> 00:31:32,480
Speaker 4: leaving the heater on all day to heat up for

693
00:31:32,560 --> 00:31:35,160
Speaker 4: when you get home, that I can see why she

694
00:31:35,240 --> 00:31:37,400
Speaker 4: might be a little bit frustrated that because that is

695
00:31:37,440 --> 00:31:38,920
Speaker 4: a bit of a waste of money. You need to

696
00:31:38,920 --> 00:31:41,680
Speaker 4: probably use your resources a bit better. But if you're

697
00:31:41,720 --> 00:31:43,400
Speaker 4: only turning it on when you get home and you're

698
00:31:43,400 --> 00:31:46,040
Speaker 4: actually being really conscious, I feel like that leans into

699
00:31:46,360 --> 00:31:49,520
Speaker 4: more of a balanced conversation around Okay, well, I want

700
00:31:49,560 --> 00:31:52,280
Speaker 4: to be comfortable with my own home, Like where's the

701
00:31:52,320 --> 00:31:54,920
Speaker 4: happy medium? Because I know, Jess, if you and I

702
00:31:54,960 --> 00:31:57,760
Speaker 4: live together and my house was twenty four degrees yet around,

703
00:31:57,960 --> 00:32:00,240
Speaker 4: I would not deal not because of something and it's

704
00:32:00,280 --> 00:32:02,960
Speaker 4: really exciting things. I'd be dying. I'd be like, oh,

705
00:32:03,280 --> 00:32:07,040
Speaker 4: twenty four way too hot? Like really, yeah, one hundred percent.

706
00:32:07,080 --> 00:32:10,000
Speaker 4: I'd be like ill, can you not? And like my

707
00:32:10,120 --> 00:32:13,840
Speaker 4: husband would lose his mind, Like our heater has to

708
00:32:13,840 --> 00:32:18,120
Speaker 4: go off entirely at nighttime, yeah, because we go absolutely

709
00:32:18,120 --> 00:32:20,000
Speaker 4: cold turkey to bed and when I wake up in

710
00:32:20,000 --> 00:32:22,440
Speaker 4: the morning, the house is usually like thirteen or fourteen

711
00:32:22,480 --> 00:32:24,880
Speaker 4: degrees before the heater goes on. And I'm I'm really

712
00:32:24,920 --> 00:32:28,720
Speaker 4: happy with that. But it's really about I guess fair

713
00:32:28,840 --> 00:32:30,440
Speaker 4: Like is there a fair use policy?

714
00:32:31,080 --> 00:32:34,400
Speaker 2: Like is there? Yeah? That must be If there's.

715
00:32:34,280 --> 00:32:36,480
Speaker 4: Not, yes, yeah, Like have we talked about it, Like

716
00:32:36,520 --> 00:32:38,600
Speaker 4: your partner doesn't like use the heating all the time.

717
00:32:38,680 --> 00:32:40,720
Speaker 4: Is it because it's too hot or is it because

718
00:32:40,760 --> 00:32:43,680
Speaker 4: you're just using it consistently. What do they think fair

719
00:32:43,840 --> 00:32:47,200
Speaker 4: use actually looks like? And then we can negotiate from there, like,

720
00:32:47,280 --> 00:32:48,600
Speaker 4: let's have a start point.

721
00:32:48,840 --> 00:32:50,840
Speaker 2: True, I didn't think about that. Maybe your partner is

722
00:32:50,920 --> 00:32:53,400
Speaker 2: just extremely hot all the time and it's so sick

723
00:32:53,440 --> 00:32:53,720
Speaker 2: of it.

724
00:32:54,280 --> 00:32:56,560
Speaker 4: Or maybe it could be that the enity is too

725
00:32:57,040 --> 00:32:59,080
Speaker 4: and it might be one thousand percent financial. I feel

726
00:32:59,080 --> 00:33:01,440
Speaker 4: like this bit extent, like healthmate.

727
00:33:01,040 --> 00:33:01,960
Speaker 2: Positions as well.

728
00:33:02,160 --> 00:33:05,000
Speaker 4: Yeah, Like I don't know, Like I would be really

729
00:33:05,000 --> 00:33:07,440
Speaker 4: miffed if I was working my life away twenty four

730
00:33:07,440 --> 00:33:09,640
Speaker 4: to seven and then my housemate was at home with.

731
00:33:09,600 --> 00:33:13,240
Speaker 2: The heater blaring all day? Yeah, like, are you home

732
00:33:13,320 --> 00:33:14,480
Speaker 2: a lot more than one person?

733
00:33:14,520 --> 00:33:14,880
Speaker 1: I don't know.

734
00:33:14,920 --> 00:33:17,440
Speaker 2: There's a lot of conversation to be had. Did everyone

735
00:33:17,440 --> 00:33:18,440
Speaker 2: else think all right?

736
00:33:18,520 --> 00:33:21,200
Speaker 4: So we asked do you live with your significant other?

737
00:33:21,600 --> 00:33:24,320
Speaker 4: Seventy seven percent of you said yes, twenty three percent

738
00:33:24,360 --> 00:33:27,040
Speaker 4: said no. We said, if yes, are you contributing to

739
00:33:27,040 --> 00:33:29,920
Speaker 4: bills equally or based on income?

740
00:33:30,600 --> 00:33:31,440
Speaker 2: Fifty eight percent of.

741
00:33:31,480 --> 00:33:34,960
Speaker 4: You said we are equal, baby, and thirty nine percent

742
00:33:35,040 --> 00:33:37,000
Speaker 4: said nope, we split based on equity.

743
00:33:37,520 --> 00:33:39,520
Speaker 2: I hope we had something to do with that. Jessicah

744
00:33:39,760 --> 00:33:40,040
Speaker 2: love that.

745
00:33:40,600 --> 00:33:42,920
Speaker 4: Then we asked, do you have different ideas on how

746
00:33:43,000 --> 00:33:47,320
Speaker 4: much utilities like heating or cooling should be used? Then

747
00:33:47,560 --> 00:33:50,440
Speaker 4: twelve percent of you said yep, it's constant battle, forty

748
00:33:50,520 --> 00:33:53,000
Speaker 4: nine percent of you said sometimes, and thirty nine percent

749
00:33:53,040 --> 00:33:53,680
Speaker 4: of you said nop.

750
00:33:53,680 --> 00:33:56,960
Speaker 2: We're always on the same page. I'm never on the

751
00:33:57,000 --> 00:33:58,120
Speaker 2: same page as my husband.

752
00:33:58,760 --> 00:34:00,600
Speaker 5: I feel like sometimes it comes in a shock, like

753
00:34:00,640 --> 00:34:03,040
Speaker 5: sometimes able comes in like it's always those first few

754
00:34:03,040 --> 00:34:04,680
Speaker 5: months of the winter, right when you were just having

755
00:34:04,720 --> 00:34:07,720
Speaker 5: heating on and you go, oh yeah, and then you go, okay,

756
00:34:07,720 --> 00:34:09,120
Speaker 5: we'll switch it off earlier or whatever.

757
00:34:09,560 --> 00:34:11,880
Speaker 2: But yeah, I feel like I can hear it in

758
00:34:11,920 --> 00:34:16,320
Speaker 2: my head right now, Victoria. Have you seen the gas bill? Yes? No,

759
00:34:16,560 --> 00:34:18,040
Speaker 2: but I'm sure you're about to show me.

760
00:34:19,239 --> 00:34:21,279
Speaker 4: So we asked you guys what you thought and for

761
00:34:21,440 --> 00:34:23,560
Speaker 4: your comments were, and here are a few of them.

762
00:34:23,840 --> 00:34:26,240
Speaker 4: So one person said, we work hard to be comfortable

763
00:34:26,280 --> 00:34:29,879
Speaker 4: in our home. Time to rework those percentages? Maybe fair.

764
00:34:30,320 --> 00:34:32,799
Speaker 4: Someone said, if the higher earning person is using the

765
00:34:32,800 --> 00:34:35,000
Speaker 4: heater a more, they should paint more for the bills.

766
00:34:35,200 --> 00:34:35,560
Speaker 2: Simple.

767
00:34:36,480 --> 00:34:39,120
Speaker 4: Someone said, we put the same amount of money, but

768
00:34:39,280 --> 00:34:42,560
Speaker 4: we cover each other on extras. If someone has spare cash,

769
00:34:43,200 --> 00:34:45,720
Speaker 4: someone else said, just got a bill for one thousand

770
00:34:45,760 --> 00:34:48,520
Speaker 4: dollars for two months for two people living in a

771
00:34:48,560 --> 00:34:49,920
Speaker 4: free standing house.

772
00:34:49,960 --> 00:34:55,480
Speaker 2: Oh what law is that? Maybe an accident? No, no,

773
00:34:56,120 --> 00:34:59,279
Speaker 2: somebody who has abused their seat before. It absolutely isn't.

774
00:34:59,280 --> 00:35:00,239
Speaker 2: Oh my god.

775
00:35:00,320 --> 00:35:02,920
Speaker 4: Someone else said, would you consider paying even more for

776
00:35:02,960 --> 00:35:05,960
Speaker 4: the heating? They can afford x and you can just

777
00:35:06,000 --> 00:35:09,160
Speaker 4: maybe pay the rest set of an outcome? Just kind

778
00:35:09,160 --> 00:35:09,600
Speaker 4: of nice.

779
00:35:10,200 --> 00:35:12,280
Speaker 2: Someone said, could you just offer to cover the extra

780
00:35:12,360 --> 00:35:13,520
Speaker 2: heating or maybe try a.

781
00:35:13,480 --> 00:35:17,360
Speaker 4: Small portable heater? I feel like that's a common traps.

782
00:35:17,400 --> 00:35:19,080
Speaker 2: More expensive people.

783
00:35:18,920 --> 00:35:21,960
Speaker 4: Think that small portable heaters are lack way cheaper, but

784
00:35:21,960 --> 00:35:22,960
Speaker 4: they're actually not.

785
00:35:23,360 --> 00:35:26,080
Speaker 5: Get some heat bags or some electric weatcats or something

786
00:35:27,600 --> 00:35:28,520
Speaker 5: that's gonna be my have.

787
00:35:28,440 --> 00:35:30,239
Speaker 2: An throw blanket.

788
00:35:30,760 --> 00:35:32,680
Speaker 4: Oh yeah, Jess and I are going to do crafts

789
00:35:32,680 --> 00:35:34,320
Speaker 4: soon and we're going to make wat packs.

790
00:35:34,600 --> 00:35:36,239
Speaker 2: That's cute. Maybe we'll film it.

791
00:35:36,320 --> 00:35:38,839
Speaker 4: We'll make you one. We'll make you a weak Thank you,

792
00:35:38,960 --> 00:35:42,360
Speaker 4: keep you warm, all right. Someone else said, my boyfriend

793
00:35:42,360 --> 00:35:44,480
Speaker 4: earns three times as much as me, but we split

794
00:35:44,520 --> 00:35:48,640
Speaker 4: everything equally, and I'm really struggling. Yeah, so that's because

795
00:35:48,680 --> 00:35:51,319
Speaker 4: you shouldn't be splitting everything equally. You should be talking

796
00:35:51,360 --> 00:35:54,040
Speaker 4: about equity in a relationship, and if someone is earning

797
00:35:54,080 --> 00:35:57,160
Speaker 4: three times more than you, I genuinely don't believe it

798
00:35:57,200 --> 00:35:59,719
Speaker 4: is fair to split rent fifty to fifty. Yeah, Like,

799
00:36:00,160 --> 00:36:02,120
Speaker 4: at the end of the day, I think there needs

800
00:36:02,120 --> 00:36:04,759
Speaker 4: to be a really big conversation because we're not saying

801
00:36:04,800 --> 00:36:07,440
Speaker 4: he needs to cover your expenses, But it is wildly

802
00:36:07,560 --> 00:36:10,360
Speaker 4: unfair to think that your lifestyle is maintainable to the

803
00:36:10,360 --> 00:36:13,280
Speaker 4: same lifestyle standards that someone with three times in income

804
00:36:13,400 --> 00:36:17,200
Speaker 4: has right as to what you do. Like, absolutely not right.

805
00:36:17,280 --> 00:36:19,480
Speaker 4: I think it's wild to think that, Like, let's pretend

806
00:36:19,480 --> 00:36:21,600
Speaker 4: they're on one hundred and fifty thousand dollars and you're

807
00:36:21,640 --> 00:36:25,160
Speaker 4: just earning fifty thousand dollars to go out for brunch,

808
00:36:25,280 --> 00:36:27,600
Speaker 4: to pay the bills, to put on the table the

809
00:36:27,640 --> 00:36:30,040
Speaker 4: food that you want to eat. Someone who has an

810
00:36:30,040 --> 00:36:32,239
Speaker 4: income of one hundred and fifty thousand dollars is going

811
00:36:32,239 --> 00:36:35,880
Speaker 4: to have very different expectations than someone with fifty thousand dollars.

812
00:36:36,239 --> 00:36:40,040
Speaker 4: And I'm guaranteeing you that somebody who earns one hundred

813
00:36:40,040 --> 00:36:44,000
Speaker 4: and fifty thousand dollars, we're not crucifying them. They earned that,

814
00:36:44,080 --> 00:36:46,759
Speaker 4: they deserve that, but you know what mentality they have.

815
00:36:47,000 --> 00:36:49,799
Speaker 2: They also go, oh, I've earned this. We should go

816
00:36:49,800 --> 00:36:51,120
Speaker 2: on a holiday, babe.

817
00:36:51,400 --> 00:36:53,200
Speaker 4: How are you going to afford that holiday if you're

818
00:36:53,239 --> 00:36:57,360
Speaker 4: not dividing things VI equity instead of basically equal, Because

819
00:36:57,400 --> 00:36:59,200
Speaker 4: at the end of the day, it's not going to

820
00:36:59,239 --> 00:37:02,000
Speaker 4: be sustainable and you're going to create drifts and rifts

821
00:37:02,040 --> 00:37:04,160
Speaker 4: in your relationship. And I think that that's a really

822
00:37:04,160 --> 00:37:05,080
Speaker 4: bad position to be.

823
00:37:05,320 --> 00:37:06,040
Speaker 2: Yeah, for sure.

824
00:37:06,400 --> 00:37:08,640
Speaker 4: Moving on, a lot of people said you should start

825
00:37:08,680 --> 00:37:11,120
Speaker 4: tracking the cost of hours that you're using the heater

826
00:37:11,239 --> 00:37:13,520
Speaker 4: and then split it up and talk about it.

827
00:37:13,600 --> 00:37:15,440
Speaker 2: Oh, seems like a lot of mass.

828
00:37:15,160 --> 00:37:15,560
Speaker 1: You know what.

829
00:37:15,680 --> 00:37:17,960
Speaker 4: It seems like a lot of math, And I don't

830
00:37:17,960 --> 00:37:19,880
Speaker 4: think we should be getting into the nitty gritty with

831
00:37:19,920 --> 00:37:20,440
Speaker 4: our partner.

832
00:37:20,680 --> 00:37:23,680
Speaker 5: And it also would be hard because it fluctuates hour

833
00:37:23,719 --> 00:37:26,279
Speaker 5: to hour, like gas is more expensive, not always, but

834
00:37:26,360 --> 00:37:27,640
Speaker 5: some companies charge more.

835
00:37:28,160 --> 00:37:29,120
Speaker 2: Peak times and stuff.

836
00:37:29,239 --> 00:37:31,759
Speaker 4: Yeah, I think it's just a conversation at the end

837
00:37:31,760 --> 00:37:33,799
Speaker 4: of the day that we need to be having with

838
00:37:33,840 --> 00:37:36,239
Speaker 4: our partners, with our housemates, with people that we live

839
00:37:36,320 --> 00:37:37,040
Speaker 4: with around.

840
00:37:37,200 --> 00:37:38,839
Speaker 2: Well, guys, the cost of.

841
00:37:38,800 --> 00:37:42,640
Speaker 4: Living is increasing, gas and electricity increasing, Like what can

842
00:37:42,680 --> 00:37:45,680
Speaker 4: we actually do to bring it down? And I feel

843
00:37:45,719 --> 00:37:49,360
Speaker 4: like sometimes even looking into it, you might realize that

844
00:37:49,400 --> 00:37:51,680
Speaker 4: the impact is not that big in comparison to the

845
00:37:51,680 --> 00:37:54,680
Speaker 4: bigger things. Like this conversation might be coming from a

846
00:37:54,719 --> 00:37:59,000
Speaker 4: place of I'm feeling really financially constricted about absolutely everything,

847
00:37:59,080 --> 00:38:01,319
Speaker 4: and the thing that's at front of my mind is

848
00:38:01,320 --> 00:38:03,200
Speaker 4: that you always have the heater on. So I'm going

849
00:38:03,239 --> 00:38:05,799
Speaker 4: to direct my feelings towards that and be like, you're

850
00:38:05,840 --> 00:38:10,160
Speaker 4: wasting money, rah rah, and then realizing that maybe the

851
00:38:10,200 --> 00:38:13,040
Speaker 4: heater isn't the biggest thing in our financial story at

852
00:38:13,040 --> 00:38:15,040
Speaker 4: the moment, So I think we need to break it up,

853
00:38:15,120 --> 00:38:16,799
Speaker 4: have a look at it and go, well, what does

854
00:38:16,840 --> 00:38:19,880
Speaker 4: this look like, and maybe accept that you might need

855
00:38:19,920 --> 00:38:22,160
Speaker 4: to contribute more if you want to keep living your life.

856
00:38:21,960 --> 00:38:25,120
Speaker 2: The whole way. Yeah. I love that. Great point is that.

857
00:38:25,040 --> 00:38:28,400
Speaker 4: All we've got time for today, though, I think so ah, Well, guys,

858
00:38:28,480 --> 00:38:30,640
Speaker 4: have the best weekend and we will see you right

859
00:38:30,800 --> 00:38:32,520
Speaker 4: early on Monday for our money Diary.

860
00:38:32,840 --> 00:38:37,440
Speaker 2: By By.

861
00:38:40,080 --> 00:38:42,600
Speaker 4: The advice shared on She's on the Money is general

862
00:38:42,640 --> 00:38:45,880
Speaker 4: in nature and does not consider your individual circumstances.

863
00:38:46,239 --> 00:38:48,359
Speaker 2: She's on the Money exists purely for.

864
00:38:48,440 --> 00:38:51,279
Speaker 4: Educational purposes and should not be relied upon to make

865
00:38:51,320 --> 00:38:54,600
Speaker 4: an investment or financial decision. If you do choose to

866
00:38:54,600 --> 00:38:57,880
Speaker 4: buy a financial product, read the PDS TMD and obtain

867
00:38:57,920 --> 00:39:02,120
Speaker 4: appropriate financial advice tailored to towards your needs. Victoria, Divine

868
00:39:02,200 --> 00:39:05,560
Speaker 4: and Sheese on the Money are authorized representatives of Money

869
00:39:05,560 --> 00:39:07,960
Speaker 4: sherper P T y L t D A b N

870
00:39:08,120 --> 00:39:11,280
Speaker 4: three two one six four nine two seven seven zero

871
00:39:11,400 --> 00:39:14,160
Speaker 4: eight a F s L four five one two eight

872
00:39:14,239 --> 00:39:16,600
Speaker 4: nine