Speaker 1: Hello.
Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yord Order
Speaker 2: Kerni Whalbury and a waddery woman. And before we get
Speaker 2: started on She's on the Money podcast, I would like
Speaker 2: to acknowledge the traditional custodians of the land of which
Speaker 2: this podcast is recorded on a wondery country, acknowledging the elders,
Speaker 2: the ancestors and the next generation coming through as this
Speaker 2: podcast is about connecting, empowering, knowledge sharing and the storytelling
Speaker 2: of you to make a difference for today and lasting
Speaker 2: impact for tomorrow.
Speaker 1: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 4: Hello, and welcome to She's on the Money, the podcast
Speaker 4: for millennials who want financial freedom. My name is Beckside
Speaker 4: and I'm joined today by Victoria Divine.
Speaker 1: Hello, little miss beck. I was just saying that you
Speaker 1: were looking really extracute today and I feel like it's
Speaker 1: coming across in your voice as well.
Speaker 4: That's so nice.
Speaker 1: Thank you, You've got a vibe. That you've got a vibe.
Speaker 2: I love it.
Speaker 1: Thankes me so happy, Thank you so much. So Vhy.
Speaker 4: I know that you are really good at sitting budgets.
Speaker 4: I am not, so I feel like you thinking in.
Speaker 1: The yang that's all.
Speaker 4: Yeah, that's so true, that's why we're here. But are
Speaker 4: you good at keeping them? Because today on the show,
Speaker 4: we're talking about renovating on a budget.
Speaker 1: This is a spicy topic. If you follow me on Instagram,
Speaker 1: you know that I have historically renovated and blown the
Speaker 1: budget completely even though I had a really big, very
Speaker 1: sexy spreadsheet. But after the break, we are going to
Speaker 1: be talking about ways to save on materials and also
Speaker 1: the importance of project managing all of the stages. But budget,
Speaker 1: I think is a really good place to start today, Beck,
Speaker 1: because I want you to be setting this before you
Speaker 1: do as anything when it comes to renovating, Beck, because
Speaker 1: I feel like when we start renovating, it's always more
Speaker 1: expensive than you think it's going to be. So we
Speaker 1: need to make sure that not only do we have
Speaker 1: the funds, but we're happy to spend the amount of
Speaker 1: funds that we are planning on allocating towards this renovation.
Speaker 1: But we also need to make sure that there's a
Speaker 1: good enough buffer there. Because the only thing that saved
Speaker 1: us when we went over on our previous renovation was
Speaker 1: the fact that we had kind of buffered in a
Speaker 1: fair bit to make sure that everything was going to
Speaker 1: be hunky dor and it was okay, and things happen,
Speaker 1: they get thrown off. Course, mistakes are made, materials are
Speaker 1: going to be more expensive than you thought, so buffet
Speaker 1: is going to be incredibly important. I mean, I didn't
Speaker 1: realize how much it costs to have our gas moved,
Speaker 1: Like I just assumed it would be easy enough and
Speaker 1: you'd get a plumber and get it all done. But
Speaker 1: like we got stung with a few things, so we're
Speaker 1: going to get into that. I think it's a bit
Speaker 1: of a spicy episode, but like a really good one
Speaker 1: because we are renovating now again and I feel like
Speaker 1: we're doing it so much smarter this time.
Speaker 4: Beck, Yeah, I'm really interested. Were there any like surprise
Speaker 4: costs or like really costly mistakes that you made along
Speaker 4: the way? This gas thing sounds like it's a vessel
Speaker 4: that holds no content.
Speaker 1: And I feel like people listening to this, if you
Speaker 1: work in the industry, you're gonna be like Victoria, you
Speaker 1: are so daft. Of course, that costs a lot of money.
Speaker 1: It's like financial advice, right, Like I know how much
Speaker 1: it costs, and then when I tell you, Beck, You're
Speaker 1: like horrified. You're like, oh my gosh, how could it
Speaker 1: be thousands of dollars? And then I start breaking it down.
Speaker 1: I'm like, Okay, well, you know you've got the research,
Speaker 1: you've got, the development, you've got, you know, all of
Speaker 1: the admin support you've got, you know, all of this
Speaker 1: other stuff that goes into it in the time and
Speaker 1: the energy and the effort, like it's really expensive. And
Speaker 1: then you go, oh, that makes sense, but like you
Speaker 1: didn't know the background because you don't work in the industry.
Speaker 1: So I guess this is just my plea please be
Speaker 1: kind because, like I know, I'm going to sound really
Speaker 1: dumb on this for some of the decisions that I've made,
Speaker 1: but I'm sharing them with you and the community, Beck,
Speaker 1: so that hopefully you don't copy me.
Speaker 4: I think it's so lovely for you.
Speaker 1: But moving the gas was really expect Yeah what was that?
Speaker 2: Like?
Speaker 1: It wasn't because it was super complicated. Like we contacted
Speaker 1: a plumber and he said, yeap, no worries, I can
Speaker 1: do that. But it was complicated for him to actually
Speaker 1: do that because he needed to like extend the pipes
Speaker 1: and move like where things were connecting, and we actually
Speaker 1: planned when we did our renovation, I like went to
Speaker 1: somebody who if you guys know and we won't name names,
Speaker 1: but it didn't work out so well. They ended up
Speaker 1: being an absolute not good human being. But what happened
Speaker 1: was we got these beautiful designs back and I was like,
Speaker 1: oh my god, I'm in love with them. I can't wait.
Speaker 1: And then we took them to our plumber and our
Speaker 1: electrician and said, hey, these are the plans, like, you know,
Speaker 1: you okay with them? And they were like, oh, they
Speaker 1: are you sure you want to move the plumbing and
Speaker 1: I was like, well yeah, because like it just makes
Speaker 1: a lot of sense to have the bathroom there connects
Speaker 1: really nicely, Like, you know, I don't want to walk
Speaker 1: into my bathroom and just see the toilet right there,
Speaker 1: so like the move makes sense. And they're like, so
Speaker 1: that will add about twenty five thousand dollars to your budget.
Speaker 1: I would love to see the toilet right there, Like
Speaker 1: I would actually love that. Actually, now that I look
Speaker 1: at it again, yeah, I've actually changed my mind. So
Speaker 1: it was interesting seeing how changes that I didn't think
Speaker 1: were big were actually really big, and things that I
Speaker 1: didn't think were in my budget, were actually really obtainable
Speaker 1: because of the process that we're in. So, like something
Speaker 1: else that I thought was really bougie that we'd never have,
Speaker 1: right underfloor heating. Oh that sounds expensively. Yeah, so in
Speaker 1: our bathrooms we have underfloor heating. That's glagious. That sounds
Speaker 1: so lux right, yeah, But because we were retiling anyway,
Speaker 1: I think it cost us like five hundred dollars to
Speaker 1: add it. Oh, which is a lot of money. Please
Speaker 1: don't get me wrong, but renovating is expensive. But five
Speaker 1: hundred dollars for the bathroom to have underfloor heating. I
Speaker 1: was like, hold on, I thought this was going to
Speaker 1: be thousands and thousands. And our electrician was like, no, v,
Speaker 1: it's cheap because essentially, you're putting it in before you
Speaker 1: put the flooring on. If you wanted to go and
Speaker 1: put it in post, we'd have to rip up the floor,
Speaker 1: put the underfloor heating in, and then redo the floors.
Speaker 1: And I was like, oh, so you're saying, if I
Speaker 1: make this decision now, you just like lay down the
Speaker 1: underfloor heating and then do the floorboards over at the top.
Speaker 1: And he was like yes, And I was like this
Speaker 1: is genius. So, don't get me wrong, that's a very
Speaker 1: boogie addition to our house and I love it. Like Beck,
Speaker 1: I think you and I can both agree that Melbourne
Speaker 1: it's frigid at the moment. It is so cold, Like
Speaker 1: I got out the other morning and I had to
Speaker 1: pour water over my windscreen so that it would defrost
Speaker 1: my car so I could drive to work. Like, don't
Speaker 1: get me wrong, not a complaint, but still cold. Oh yeah,
Speaker 1: but I walked into my bathroom and the tiles were warm.
Speaker 1: Oh that is so that's luxury to me.
Speaker 4: Yeah, I really thought it was way more. And as
Speaker 4: you say, like, it makes so much sense that if
Speaker 4: you do it, pretile ease. You even see this in
Speaker 4: like rich people houses.
Speaker 1: I think it's a rich person housing and that's what
Speaker 1: makes me feel rich. And don't get me wrong, absolute privileged. Still,
Speaker 1: but I think that that would shock you when you
Speaker 1: start to go, well, actually, what are things that we
Speaker 1: could do while renovating that we might not have thought about?
Speaker 1: And to be honest, I didn't even look into underfloor heating.
Speaker 1: And I mean this is a very side note conversation,
Speaker 1: but I hope it's interesting. But I didn't even look
Speaker 1: into it because I just in my head, I was
Speaker 1: like eight thousand dollars. I don't know why, but I
Speaker 1: just thought that's going to be so expensive. I didn't
Speaker 1: even explore the option. And I think that when you're
Speaker 1: doing your budget, just explore the options and understand them,
Speaker 1: even if you're like, oh, I'm not really sure, like
Speaker 1: this is probably going to be completely out of budget,
Speaker 1: because like if that electrician hadn't said, oh, are you
Speaker 1: going to do this? And I go, absolutely not, it's
Speaker 1: too expensive and he explained it to me, we wouldn't
Speaker 1: have it, And had we wanted to do it post,
Speaker 1: it wouldn't have been an option. So I think that
Speaker 1: these are little things that I had no idea about,
Speaker 1: but now I know. I'm just grateful to have gone through.
Speaker 1: If that makes sense. Yeah, definitely. So, yes, there are
Speaker 1: things in the budget that had surprised me. Both they
Speaker 1: were too expensive or they were much cheaper than I
Speaker 1: thought it was going to be.
Speaker 4: Cool, like costly mistakes. Was there anything that you did
Speaker 4: along the way that were like, oh my god, I
Speaker 4: wish I could go back.
Speaker 1: And yeah, there were a couple and I absolutely wasted
Speaker 1: some money because I didn't do things properly or in
Speaker 1: the right order, so from maybe just not thinking about
Speaker 1: it and thinking it would be an easy change. So,
Speaker 1: for example, I had agreed for everything in the house
Speaker 1: to be painted, and I was like, Yep, cool, no worries,
Speaker 1: everything's just going to be painted like this, crispy white.
Speaker 1: I really liked it. But I hadn't really thought about
Speaker 1: the fact that I did want to paint our bedroom
Speaker 1: and I wanted our bedroom to be a gray, and
Speaker 1: I just hadn't communicated that. I didn't think it would
Speaker 1: be this big change later to go back and do it,
Speaker 1: and ultimately I should have had that conversation. You would
Speaker 1: think that I would have. I just don't know why
Speaker 1: I didn't. I think because I wasn't up to the
Speaker 1: styling part. I just thought it doesn't matter, like, just
Speaker 1: make everything white. It'll be fine. And it basically would
Speaker 1: have been free had I communicated that from the beginning
Speaker 1: that the bedroom was meant to be great. Because when
Speaker 1: they were purchasing paint, I mean I still had to
Speaker 1: purchase it, right, They had allocated white paint for the bedroom,
Speaker 1: and then they went and purchased the white paint for
Speaker 1: the bedroom and painted my bedroom and it was all
Speaker 1: within budget and scope. And then when my husband and
Speaker 1: I did a walk through, I was like, oh, hey,
Speaker 1: actually I was thinking about making this room gray and
Speaker 1: they're like, I mean we can, but we're going to
Speaker 1: have to purchase more paint and then you're going to
Speaker 1: have to pay for the trade to come in and
Speaker 1: paint just this room.
Speaker 4: And I was like, right, did you end up doing it? Yeah?
Speaker 1: I did.
Speaker 3: I did.
Speaker 1: And by did you actually end up doing it, I
Speaker 1: mean I purchased the paint. My dad helped me paint it.
Speaker 1: Because the trades, Like, there are some things that you
Speaker 1: can do yourself, Like, you don't need trades for absolutely everything.
Speaker 1: I'm the Queen of YouTube sometimes oh yeah, if it's
Speaker 1: a flat pack, we can do the flat packs. So
Speaker 1: I think that, yeah, there are things that you can
Speaker 1: definitely do yourself. And then there are also things that
Speaker 1: I would never compromise. Beck I'm not going to do
Speaker 1: the electrician stuff. I'm also not going to be doing
Speaker 1: any plumbing. I'm not going to be messing around with
Speaker 1: things that I have no business messing around with. So like, yeah,
Speaker 1: you've got to find a happy medium. Yeah, so don't
Speaker 1: bite off more than you can chew. So like, don't
Speaker 1: be like, oh, I can absolutely paint the entire house.
Speaker 1: Don't get me wrong, you totally could, but do you
Speaker 1: actually want to do? You know how long that was?
Speaker 1: Ike you? So I didn't paint the entire house. I
Speaker 1: just painted the bedroom like a whole day plus okay,
Speaker 1: and then we had to let it dry and then
Speaker 1: we had to do another coat the next day. Yes,
Speaker 1: I see, So I was grateful for the painters. Also,
Speaker 1: my dad and I with our brushes and rollers the
Speaker 1: whole day. And then I saw them come in to
Speaker 1: do the rest of the lound room and they had
Speaker 1: spray guns and it took them like five minutes. And
Speaker 1: I was like, I'll just see myself out.
Speaker 4: You go and get yourself a spray gun.
Speaker 1: Yeah, but that's another course.
Speaker 4: Yeah, that's true. That's true.
Speaker 1: So I think it's important to not just budget but
Speaker 1: think about every tiny little thing that you think is
Speaker 1: maybe little, because it might not be that the brand.
Speaker 4: Scheme of things, and even if it is, it really
Speaker 4: does that up. But v as you know, I've never owned,
Speaker 4: I've kind of only been in rentals, so it's always
Speaker 4: been about like making like cosmetic changes to personal space.
Speaker 4: Is it worth thinking about just making like cosmetic change
Speaker 4: to a house or do you feel like if you
Speaker 4: have the money to renovate, you should. I guess if
Speaker 4: you're like me and you've only ever rented, is it
Speaker 4: a waste of space to be hanging artwork like chucking
Speaker 4: some nails?
Speaker 1: You're allowed? Yeah, I definitely believe in making a space
Speaker 1: your own. So even if you don't own, there are
Speaker 1: lots of things that you can do that don't damage
Speaker 1: the property to make the space your own. Like, please
Speaker 1: don't get me wrong. You don't want to be going, oh,
Speaker 1: I really don't like this kitchen. I'm going to install
Speaker 1: a brand new kitchen in this rental property because that
Speaker 1: doesn't make a lot of sense. But you've got to
Speaker 1: remember that this is your home, Like you've got to
Speaker 1: feel comfortable coming into it, and if there's something about
Speaker 1: your home that you're not comfortable with, I would be
Speaker 1: looking at ways to change it or ways to make
Speaker 1: yourself comfortable with it. Right, So, like, whether that is
Speaker 1: hanging art on the walls, maybe you're not allowed to,
Speaker 1: you know, nail things into the walls, but could you
Speaker 1: call the real estate agent and go, hey, Can I
Speaker 1: use those command strips and put some artwork up? Can I,
Speaker 1: you know, maybe get one of those pressure rods and
Speaker 1: I can put up some beautiful curtains. If that's something
Speaker 1: that you know, it adds to the vibe of your space.
Speaker 1: So I think there's lots you can do that are
Speaker 1: not necessarily permanent changes if you're renting to make your
Speaker 1: space your own. And don't get me wrong, they're things
Speaker 1: that you're going to spend money on, but like, to me,
Speaker 1: that's spending money in order to benefit your mental health.
Speaker 1: Like you that's like true. Do you want to feel
Speaker 1: like super comfy in your own bedroom even if you're
Speaker 1: in a big sharehouse, like adding a few little things,
Speaker 1: or maybe you've got dank carpets, Like I remember my
Speaker 1: first sharehouse back like they'd redone the carpets and there
Speaker 1: were those ones you could see the edges of the squares.
Speaker 1: They'd like done those tiles. Oh, I just remember thinking
Speaker 1: it was so dank because they were like so thin.
Speaker 1: Like the carpet was awful. And I went to Ikia
Speaker 1: and I think I just bought like a fifty dollars rug.
Speaker 1: It honestly changed the way I felt about my bedroom
Speaker 1: because before it just felt ick to be on the
Speaker 1: carpet and also, well I don't afford anything else, like
Speaker 1: it's not going to happen. But this rug changed my space.
Speaker 1: So can you do to make yourself feel comfortable in it?
Speaker 1: And I mean, we are definitely talking about knockdown, rebuild,
Speaker 1: actual renovation today, but I think it's also worth acknowledging
Speaker 1: that to me, that was an investment into my mental health,
Speaker 1: into me having a safe and cozy space that I
Speaker 1: just felt at home in.
Speaker 4: Yeah, And I think it's also relevant for people who
Speaker 4: have moved into a house can't afford to renovate exactly
Speaker 4: the same.
Speaker 1: There's so many cheap tips and tricks and stuff that
Speaker 1: you can.
Speaker 4: Do to make the space cozy, even if you're not
Speaker 4: loving it yet and you feel like you have intention
Speaker 4: of changing it, just put your coziness your mental health first.
Speaker 1: One hundred percent. It's like the time that I went
Speaker 1: and bought a pantry because like the house that I
Speaker 1: moved into, the one I'm talking about with the carpet squares,
Speaker 1: had the worst kitchen storage, like dank kitchen cabinets were
Speaker 1: falling off like they were also really water damaged, like
Speaker 1: you know those ones where the male of mine is
Speaker 1: like real puffed out. So the kitchen was horrendous, Beck
Speaker 1: and I just went and bought on Facebook marketplace a
Speaker 1: used pantry and put it in the corner. Changed the
Speaker 1: way we used our kitchen. Yeah. Absolutely, So there are
Speaker 1: things that you can do that you think, oh, I
Speaker 1: didn't even know you could buy a pantry. They I'm like, yes,
Speaker 1: you can buy a pantry, Like you can put it
Speaker 1: all together, like you could go down to Bunnings and
Speaker 1: buy one of those flat pack pantrees, or you could
Speaker 1: buy one of the shelving cabinets so everyone has a
Speaker 1: space for all their cereals and stuff, because otherwise the
Speaker 1: cupbods get packed. There are lots of things you can
Speaker 1: do in a rental that don't damage the property, that
Speaker 1: add value to your life.
Speaker 4: I think, yes, I totally agree. And you don't even
Speaker 4: realize when things are clotted, it really makes your brain
Speaker 4: feel clutter. You don't really get work done as well
Speaker 4: as you exactly if your cereals were on their own shelf.
Speaker 1: Oh yeah, and if you're me, you need a container
Speaker 1: for your cereal and then you feel like your life
Speaker 1: is like made. That's people who have their dry goods
Speaker 1: in containers. I just think they've got their life together.
Speaker 1: It might not be true, but like if you've got
Speaker 1: a jaffa flower, Oh my gosh, are you saying that,
Speaker 1: you don't crumple the top of the paper and just
Speaker 1: shove it in the back of the pantry. Get an
Speaker 1: old rubber buet.
Speaker 4: I really really admire people to do that. This is
Speaker 4: kind of like going back to what you're saying about DIY.
Speaker 4: So it's obviously a good way to save but are
Speaker 4: there any like caveats?
Speaker 1: Yeah, I think you need to be really really stick
Speaker 1: about what is achievable for you. So obviously, can you
Speaker 1: paint your own house as I was saying before, Yeah,
Speaker 1: you probably could, But is it a good use of
Speaker 1: your time and your patience and the relationship that you
Speaker 1: have with your dad? Thankfully, my dad and I are
Speaker 1: still on good terms. But like, that was such fiddly
Speaker 1: work that I didn't even think about. And I'm very,
Speaker 1: very privileged to have a dad that is basically the
Speaker 1: DIY king. So he was an accountant, as everybody knows
Speaker 1: because I've mentioned it before on the pod, but he
Speaker 1: basically built our entire house. He should have been a
Speaker 1: bill but he ended up an accountant, so he knows
Speaker 1: what he's doing when it comes to painting. And I
Speaker 1: don't like taking direction from other people. Beck That's why
Speaker 1: I ended up being a business owner, not an employee,
Speaker 1: because I think that to be thirty two, I probably
Speaker 1: would have been fired a number of times along the
Speaker 1: way had this been you know, my reality. But you know,
Speaker 1: Dad going all right, so we have to cut in,
Speaker 1: and I'm like, what's cutting in? He's like, well, you've
Speaker 1: got to like paint around the edges so that they're
Speaker 1: like really crispy and nice, and then you paint the middle.
Speaker 1: And I was like, can't you just paint the whole thing.
Speaker 1: He's like no, then it would really look like you
Speaker 1: did a diy job. And I was like, Okay, no worry. So, like,
Speaker 1: you've got to do it properly, and that takes time
Speaker 1: and energy and effort, and I would have a think
Speaker 1: about is there another job in the list that you
Speaker 1: can or you want to do? So, for example, we
Speaker 1: have put a new kitchen in our house, which is
Speaker 1: really exciting, and we got a quote to demo it,
Speaker 1: and my husband and I were like absolutely not. So
Speaker 1: we spent a weekend and we had a little bit
Speaker 1: of a working be with my family, and his dad
Speaker 1: came down and we demoed it ourselves. To be honest,
Speaker 1: it was so expensive to have it demoed, and I
Speaker 1: was like, what's the worst that could go wrong? Please,
Speaker 1: don't get me wrong, Like we didn't want to mess
Speaker 1: around with the like gas or the electricity or whatever,
Speaker 1: and we cut the power off first. We did it properly,
Speaker 1: but like, I can pull out the kitchen, because what's
Speaker 1: the worst that can happen? I break the kitchen that
Speaker 1: we're already getting rid of.
Speaker 4: So just a silly question.
Speaker 1: But demo is demolish, demolishing it. So for me, pulling
Speaker 1: out the old kitchen made the most sense to us
Speaker 1: because I was like, I'm not paying somebody else thousands
Speaker 1: of dollars to do a job that, to be honest,
Speaker 1: was just a lot of hard work. To me, it
Speaker 1: wasn't about skill. It was literally about getting it out
Speaker 1: and having to carry the kitchen downstairs would be kind
Speaker 1: of fun, like for the first part, Like it wasn't
Speaker 1: fun when I was doing all the fi lily bits
Speaker 1: and like, you know, unscrewing things. I was like, because
Speaker 1: we did try and save a lot of the kitchen.
Speaker 1: In fact, that's a side tip. We listed the kitchen
Speaker 1: on Facebook marketplace because I did like to go to waste.
Speaker 1: Like at the end of the day. It was a
Speaker 1: very damaged, old, water damaged kitchen that needed to go
Speaker 1: because it's been in the cow since what the early eighties,
Speaker 1: Like she had had her time, but some guy came
Speaker 1: and picked it up. We listed it for free on
Speaker 1: Facebook marketplace and he was like, I'm fitting out my
Speaker 1: workshop with this, And I was like, Oh, what a
Speaker 1: good way to use it, because it's not going to
Speaker 1: be wasted. You're going to fit out your workshop and
Speaker 1: your tools are going to live in it.
Speaker 4: Yeah, and he's probably going to take it apart himself.
Speaker 4: I assume you have to. I mean we pulled it.
Speaker 1: All out because we had deadlines. But yes, you can
Speaker 1: also tell people that they have to take it out
Speaker 1: too if you really want. That's so that's a money win, right.
Speaker 1: Did you sis a kick anything?
Speaker 4: What's it called when you like run and then you
Speaker 4: put your legs up to kick something?
Speaker 1: Oh? Is that a siss a kick? I didn't sciss
Speaker 1: a kick anything. So it was like a whole kitchen. Yeah,
Speaker 1: it's like I mean, if it was like a plaster
Speaker 1: board wall, maybe we would have had a crack, but
Speaker 1: like it was like melamine. I don't trust my skill. Also,
Speaker 1: I mentioned flat packs before because I've used them a
Speaker 1: lot historically, but so many of them are made so well. Now,
Speaker 1: in fact, we went with a flat pack kitchen from Kaboodle.
Speaker 1: Like I'll upload some videos to Instagram and show you,
Speaker 1: but the quality of the Kaboodle kitchen, the quality is
Speaker 1: honestly on part if not better than. And that's not
Speaker 1: me even being dramatic because they're sponsoring this episode. This
Speaker 1: is just me being like this was actually sick beck
Speaker 1: is better than the kitchen that we had installed in
Speaker 1: our primary residence. Like I was actually a little bit frustrated,
Speaker 1: Like yeah, I was like is this a joke? Like
Speaker 1: this is so good, Like why didn't we just put
Speaker 1: this in our other house?
Speaker 4: Like we would have saved literally thousands of dollars.
Speaker 1: Anyway, I will upload videos because even like the draw runners,
Speaker 1: like you know, those fancy like soft clothes, we don't
Speaker 1: have that in our actual house because it was too expensive.
Speaker 1: And I was like oh, like that upgrade's not worth it, Like,
Speaker 1: no worries, It's just an automatic feature in my kaboodle kitchen,
Speaker 1: and it was so much cheaper, you know when you
Speaker 1: just like, I'm not even trying to brag about them
Speaker 1: because we're working with them. I'm just really upset.
Speaker 4: Yeah, kicking yourself a little bit, I know.
Speaker 1: So obviously I feel like flat packs have come a
Speaker 1: really long way because these are beautiful. They're also designed
Speaker 1: to be user friendly, Like I mean, my relationship with
Speaker 1: my dad's still intact and we put some together. So
Speaker 1: that's a pretty good deal. That is huge, and they
Speaker 1: obviously have a really big range of options for whole
Speaker 1: heaps of different price points. So the question of v
Speaker 1: did you go with the cheapest option, No, we didn't.
Speaker 1: We went with like I would say, the very middle
Speaker 1: definitely a budget kitchen in comparison to like, you know,
Speaker 1: everything else we could have done. But we definitely did
Speaker 1: a few upgrades. So like instead of just having the
Speaker 1: playing cupboard doors, we went with the ones with the
Speaker 1: cute like you know, outlines on the edges. Yeah, and
Speaker 1: made things a little bit cuter, which obviously adds a
Speaker 1: little bit of price to it. But it was definitely
Speaker 1: worth it. Like, it's definitely something that I'm like, I'm
Speaker 1: really glad with the decisions that we made. And I mean,
Speaker 1: to my other very important point that I made earlier,
Speaker 1: one thing that we did do that wasn't DIY is
Speaker 1: paying professionals to do things that we can't do. So
Speaker 1: obviously I paid for an electrician and I paid for
Speaker 1: a plumber because that's not something that you should ever
Speaker 1: play with. But it's also something that you don't want
Speaker 1: to mess up because imagine being like, you know what
Speaker 1: I can do my own plumbing, You're going to ruin
Speaker 1: your whole kitchen if it went wrong, that's own electricity.
Speaker 1: You're probably going to kill yourself. Like that's not a
Speaker 1: good idea. Endure it exactly. And I just feel like
Speaker 1: that's where you should be spending money. But if you're
Speaker 1: going to spend money on trades like that, do what
Speaker 1: I did. Shop around. We got a few different quotes
Speaker 1: before settling on the electricians, and you know, the trades
Speaker 1: that we wanted to work with, because I really just
Speaker 1: wanted to make sure that we were working with people
Speaker 1: who weren't taking advantage. Yes, and I don't think anyone
Speaker 1: that we got quotes from was. But I feel like
Speaker 1: I've heard so many stories recently of trades being absolutely
Speaker 1: overwhelmed with work that they're overquoting and just being like, well,
Speaker 1: I'm not doing it unless you pay me triple and
Speaker 1: stuff like that, and then you think that that's the
Speaker 1: norm and that's not it. So I feel like, yeah,
Speaker 1: trades really good if you've got friends who are renovated,
Speaker 1: like ask them for recommendations. If you don't have recommendations.
Speaker 1: Local Facebook groups are really good for being like, hey,
Speaker 1: can anyone recommend like a sparky in my area? And
Speaker 1: they usually go, oh, yeah, my husband does it, and
Speaker 1: then you can like look them up and see what
Speaker 1: their reviews are like, which is really helpful.
Speaker 4: Yes, so true. Even like, just tell everyone you've ever
Speaker 4: run into in your entire life about what you're doing,
Speaker 4: because there'll be someone who says, I've got a friend
Speaker 4: who does this, I've got a friend who does.
Speaker 1: That exactly and post on Instagram. On Instagram, don't get
Speaker 1: me wrong, even if you have like three hundred followers,
Speaker 1: someone's gonna see and be like, oh, actually I did this,
Speaker 1: or I've got a mate who does this, Like yeah,
Speaker 1: ask for recommendations, Like, I feel like that's the best
Speaker 1: way to get anything totally.
Speaker 4: You need someone who's a real person who actually has
Speaker 4: experience with the same thing to tell you what their
Speaker 4: experience is. Like, it's the best way to do it,
Speaker 4: just word of mouth.
Speaker 1: So from my perspective, get some rough quotes before you
Speaker 1: even purchase the kitchen or before you actually do anything,
Speaker 1: because I think in our heads we go, all right,
Speaker 1: we want to do this renovation, and I've done some googling,
Speaker 1: and you know it's going to cost ABC and D
Speaker 1: Call the electrician, call the sparky, explain what you're doing,
Speaker 1: and go, hey, can you give me a rough estimate
Speaker 1: just budgeting it all together? Like really want to use
Speaker 1: you because one of the things that we got told
Speaker 1: and in my head this made sense. Right, So we've
Speaker 1: demoed the kitchen back. Our floors need resanding and repolishing
Speaker 1: because they were dank. Oh, upload a photo and I'll
Speaker 1: show your photo after this of the floors. They're a
Speaker 1: completely different color now because of how old they were.
Speaker 1: Like the house that we're renovating is from the late
Speaker 1: sixties and they're the same floorboards. Quite clearly they'd never
Speaker 1: been resealed, the celant had worn off, and then they
Speaker 1: were completely water damaged, dirt like disgusting. They've gone from
Speaker 1: basically being a dark dark brown, which I thought, Okay,
Speaker 1: we'll just reseal them. That brown's not too bad, to
Speaker 1: like a light beech wood. And I was shook. But
Speaker 1: in my head, what happens is you remove the kitchen,
Speaker 1: then you do the floors, and then you put the
Speaker 1: brand your kitchen on top. Right, Yeah, no, what do
Speaker 1: you mean? Well that's what I thought. And when I
Speaker 1: called the electrician and was like, yeah, I need you
Speaker 1: to like change the power here and here, and we've
Speaker 1: got the sanders coming on this day. He's like, why
Speaker 1: are you doing the floors? I said, well, we've got
Speaker 1: the kitchen to then install on top. He's like, no,
Speaker 1: absolutely not. Do not polish your brand new flaws and
Speaker 1: then have a whole heap of like trade going in
Speaker 1: and out. Your floors are going to get dinted, they're
Speaker 1: going to get damaged, you know, do a light sand
Speaker 1: install your kitchen and then get them to do the
Speaker 1: floors around the kitchen. Oh that makes sense, doesn't it.
Speaker 1: But I didn't know that. So having these conversations before
Speaker 1: you actually do anything, I think is really helpful.
Speaker 4: In my mind, I was like, what is it floating?
Speaker 2: No?
Speaker 1: No, no, we just didn't put the kickboards in at
Speaker 1: the bottom, which was really easy to do because we
Speaker 1: can install them later. But they're going to come in.
Speaker 1: They're going to do the floors because we're paying a
Speaker 1: professional to do that. I do not trust myself to
Speaker 1: do the floors. We can do the kitchen, we can't
Speaker 1: do the floors, and then we will install the kickboards
Speaker 1: after the floors have been properly sealed. But he was like,
Speaker 1: you know, not going to drag flat pack boxes up
Speaker 1: and down those stairs and then across your floorboards exactly.
Speaker 1: He's like you're gonna get gougers, You're gonna get scratches.
Speaker 1: He's like you're gonna get glue and stuff, like from
Speaker 1: all the tiling on the floor. Like, just don't do it.
Speaker 1: And I was like, I wish I had you earlier. Yeah,
Speaker 1: I mean I did this time. But when you're getting
Speaker 1: your budget together, it's kind of like a budget slash
Speaker 1: project plan. So you're not only making a plan for
Speaker 1: like what you have to pay for sure, but like
Speaker 1: you're making a plan for when that process goes in,
Speaker 1: because it's one thing to go. I can afford it. Okay,
Speaker 1: but when are the trades available? Is the trade that
Speaker 1: you want not available for another month? What does that
Speaker 1: look like? Because for us, we got a couple of quotes,
Speaker 1: and the quotes were not only like you know, here
Speaker 1: are the different price points, but they were also like, oh,
Speaker 1: we booked out for three months so we could do
Speaker 1: it here. And I was like, oh, you are cheaper,
Speaker 1: but it's not worth waiting because I need to get
Speaker 1: this done sooner rather than later. Yes, that makes sense.
Speaker 4: Yeah, totally.
Speaker 1: Okay.
Speaker 4: I think I need to go to Google kickboards and
Speaker 4: maybe like practice my sissy kick Yeah, okay, kickboards are
Speaker 4: not what you're expecting. Okay, given you have just said, Sizzy, keep.
Speaker 1: Well explain a kickboard to you in the break, and
Speaker 1: then when we get back, we're going to have a
Speaker 1: deeper chat about budgets and materials in all of that
Speaker 1: fun renovating.
Speaker 4: Stuff fun see soon. Welcome back everyone, and we're talking
Speaker 4: about renovation on a budget with someone who has just
Speaker 4: been through this. Victoria Devine, Hello, that's me. I want
Speaker 4: to talk materials now.
Speaker 1: How can we save here, all right, So I feel
Speaker 1: like I've done a really good job this time of
Speaker 1: like keeping everything within budget. Obviously, I'm going to tell
Speaker 1: you to always shop around for discounts and like codes
Speaker 1: or price matching. Often brands won't advertise that they do
Speaker 1: price matching, so I will like google the brand and
Speaker 1: then price matching and see what comes up on their website,
Speaker 1: because often you'll find their terms and conditions and they'll
Speaker 1: say we do price match And then some brands even
Speaker 1: do like price beat, like you know Bunnings. They obviously
Speaker 1: say we'll beat it by five percent. That's a money win. Yeah,
Speaker 1: you hold them to that. I see them like, I
Speaker 1: think it's really important to have a little bit of
Speaker 1: conviction around keeping to your budget and it can really
Speaker 1: save you. The one thing I would do is look
Speaker 1: around it recycled or leftover materials. So I know that
Speaker 1: that sounds a bit lame, but we have in our
Speaker 1: kitchen that we're renovating a very small patch for where
Speaker 1: we want tiles, right, and I was like, oh my gosh,
Speaker 1: what am I going to do. I got some quotes
Speaker 1: for some tiles and it was really expensive. I didn't
Speaker 1: realize how expensive they were, and I was like, I
Speaker 1: don't know, this is meant to be a budget renovation,
Speaker 1: Like I don't want to go buy bougie tiles. But
Speaker 1: then obviously, Beck, if you met me, like you show
Speaker 1: me a cheap option and a bougie option, and somehow
Speaker 1: I will always go I want the boogie option, even
Speaker 1: if you haven't told me the price points, Like I'll
Speaker 1: just immediately look at it and be like, well, that's
Speaker 1: the one I like, isn't it. It's the first expensive
Speaker 1: have it I have. Anyway, I found some tiles on
Speaker 1: Facebook Marketplace that were left over from a renovation. I
Speaker 1: had to do some calculations to work out because they
Speaker 1: had said how many tiles they had, and I found
Speaker 1: the tiles that I wanted from tile Cloud on Facebook Marketplace.
Speaker 4: Oh that's so paff and it was enough and enough.
Speaker 1: Yeah, it covers the whole space. And I mean, I'm
Speaker 1: going to have to go buy the grout and stuff,
Speaker 1: but that's something that I'm going to do myself because
Speaker 1: it's such a small spot in our kitchen that I
Speaker 1: think will work really well. So have a look on
Speaker 1: Facebook Marketplace because so often people buy more of what
Speaker 1: they needed because they're like I don't know, obviously rolling
Speaker 1: in money, and they're like, oh, I'll just get extra
Speaker 1: tiles that I don't need, but they pop them on
Speaker 1: Facebook Marketplace. It's like how I put our kitchen on
Speaker 1: Facebook Marketplace and got rid of it. Yes, and I
Speaker 1: mean obviously massive shout out to like Facebook Marketplace and
Speaker 1: gum Tree in general, because you can save a whole
Speaker 1: heap of money. The other thing I did beck was
Speaker 1: I needed new appliances. So the appliances that were in
Speaker 1: our kitchen were not savable still using the same fridge
Speaker 1: that we had, but I needed to purchase a new
Speaker 1: gas cook top because ours was cooked in the punt
Speaker 1: and an oven and a gas cook top. I think
Speaker 1: we ended up spending about twelve hundred dollars on it,
Speaker 1: which was a lot more than I thought that they were,
Speaker 1: but like that's how renovation goes. You end up realizing
Speaker 1: that things are so much more expensive than you'd anticipated.
Speaker 1: I was like wanting this really nice looking oven to
Speaker 1: go under it, and it was like three thousand dollars back. Like,
Speaker 1: don't get me wrong, you can get cheaper ovens, but
Speaker 1: I found one online from a company that does refurbished
Speaker 1: ovens and it cost me six hundred and fifty bucks.
Speaker 1: Oh my god, that's so good. Yeah, and we just
Speaker 1: picked it up who was in Frankston, which was close.
Speaker 1: I mean Frankston. Is that a red flag buying secondhand
Speaker 1: things there? I don't know. I did it. It's coming
Speaker 1: up to me. The price was worth it. I had
Speaker 1: sent it to my sparky first and said do you
Speaker 1: have any concerns and he'd actually said NAHVI, like they're
Speaker 1: actually really good. They just refurbished things that have been
Speaker 1: pulled out of display homes. And I was like, okay,
Speaker 1: so you're telling me that this hasn't been used at all,
Speaker 1: like great. So it ended up costing me six hundred
Speaker 1: and fifty dollars for our oven instead of like close
Speaker 1: to three thousand. So like shop around and like I
Speaker 1: think that people often assume I'm buying a secondhand oven.
Speaker 1: Well you might think that that means it's like one
Speaker 1: that someone's used a million times and it's not that good,
Speaker 1: so you don't even explore the option. This oven does
Speaker 1: not even look like it's been used right, like brand
Speaker 1: new basically, And I mean disclaimer, I don't get the
Speaker 1: warranty that would have gone with it. Sure, given I'm
Speaker 1: saving so much money and it costs me six hundred
Speaker 1: and fifty dollars, I was really happy to, you know,
Speaker 1: take that risk. Absolutely, And it's being installed professionally, so
Speaker 1: we're getting all of these things. He's installing it, like,
Speaker 1: I'm not doing that on my own, but I did
Speaker 1: source something that was much cheaper. The other thing I
Speaker 1: wanted to say was look at revamping the materials that
Speaker 1: you already have in your home. So like flooring is
Speaker 1: a really good example. Do you hate the carpet, rip
Speaker 1: it up? See what's underneath there? Like, don't get me wrong,
Speaker 1: don't rip it up if you can't afford to replace
Speaker 1: the carpet, But are there floorboards under there that could
Speaker 1: be polished up? If you looked at my floors beck
Speaker 1: before we had resanded them, you would have been like, well,
Speaker 1: via you getting new floorboards put down, because those are awful.
Speaker 1: And we genuinely had to consider that as an option
Speaker 1: because I wasn't sure how they would come up. But
Speaker 1: we got a good flooring guy in. Again, we got
Speaker 1: a couple of quotes before settling on one flooring guy,
Speaker 1: and he came in and said, yeah, you're right, there
Speaker 1: is a fair bit of damage here. But I can
Speaker 1: just replace those boards and then we can sand everything
Speaker 1: and it'll look great. I was like, a great idea,
Speaker 1: but I think it's really important to not just jump
Speaker 1: to get Oh that's absolutely cooked. We're going to have
Speaker 1: to replace it. And now once we've sanded it, we're
Speaker 1: actually able to get a color that I like even
Speaker 1: more than what I thought we were working within. So
Speaker 1: that's a money win, I think. Because to replace the
Speaker 1: floorboards in our house, I did get a quote for
Speaker 1: that too, because I wanted to be able to share it.
Speaker 1: It was going to be about eleven and a half
Speaker 1: thousand dollars. Oh my godness, going to be so much. Yeah,
Speaker 1: So to get the upstairs of our house re floorboarded,
Speaker 1: the quote was eleven grand. That was including installation, just
Speaker 1: to be really clear, but to have them standed back
Speaker 1: and re polished, it's going to cost us two thousand
Speaker 1: dollars and that includes the floorboards that he's fixing, and
Speaker 1: he's charging me two hundred dollars per floorboard, which is
Speaker 1: obviously a lot for a piece of wood, but it's
Speaker 1: like him sourcing wood that matches and then like installing it.
Speaker 1: So I think that that's a pretty good deal. But
Speaker 1: like two grand versus eleven and a half, like, be
Speaker 1: for real, that's a really good saving. Be for real.
Speaker 1: I think it's also important as well, because my husband
Speaker 1: and I were so certain that we were going to
Speaker 1: have to put different floorboards over the top, but we said,
Speaker 1: you know what, we should just get the flooring guy
Speaker 1: that does the standing and stuff out to look at
Speaker 1: them first and do a bit of a test before
Speaker 1: we pulled the trigger on that. And we're really glad
Speaker 1: that we did.
Speaker 4: That's so good. Did you have any lino in there?
Speaker 1: There was lino. It had been pulled out before we
Speaker 1: moved in, but the adhesive from the liner was still
Speaker 1: on our floors. So like when I say it was bad,
Speaker 1: beck like that's how bad it was, Like the adhesive
Speaker 1: lines and all the glue marks were still there, like
Speaker 1: no one had cleaned it up. They'd just like ripped
Speaker 1: out the lino and been like, oh it's good now.
Speaker 1: It was not good bad and it's not good. And
Speaker 1: I think the other thing that really annoyed me about
Speaker 1: it is the flaws just consistently felt dirty. Yeah, because
Speaker 1: like you're just looking at glue and adhesive, and like
Speaker 1: all of the little bits of stuff that had stuck
Speaker 1: to the adhesive over the years made it look black.
Speaker 1: It was horrendous.
Speaker 4: Yeah yeah, yeah, Lino is no good for anyone.
Speaker 1: No rip out. You lie. I know there's probably floorboards
Speaker 1: under there, because that's what the Boomers did. They put
Speaker 1: the lino down. Why they do that? I don't know
Speaker 1: why they did that. You ask them, not me. But anyway,
Speaker 1: I think that having a think about every option and
Speaker 1: actually exploring it a bit, even if you don't think
Speaker 1: it's the one for you, could end up saving you
Speaker 1: a whole heap of money. So you're not spending money
Speaker 1: to get opinions. You're spending money when you really have
Speaker 1: an outcome that makes sense for you. Do you know
Speaker 1: how upset I would have been if we had installed
Speaker 1: the floorboards, because, like Beck, you and I both know
Speaker 1: if I had gone and gotten a quote from a
Speaker 1: dude who installs floorboards and he came to my house
Speaker 1: and he's like, yeah, cool, like I'll give you this quote,
Speaker 1: which he did. He didn't mention that we could re
Speaker 1: polish them all then they'd come up nicely. Sure, Like
Speaker 1: he's not going to mention that and be like, oh, Beck,
Speaker 1: did you know you could save heaps of money if
Speaker 1: you'd actually just not employed me or paid me. Yeah,
Speaker 1: but don't pay me, go play this other guy. So
Speaker 1: do the research yourself. And I know that that sounds
Speaker 1: overwhelming because it can feel like a lot, but it's
Speaker 1: saving us thousands of dollars.
Speaker 4: Okay, that's really cheeky, but also is cheeky, but also like,
Speaker 4: if you do a job and then you've asked me
Speaker 4: for a quote, I'm not going to try and talk
Speaker 4: you out of it. Via the Sunder's episode, you talked
Speaker 4: about the importance of project managing. Let's finish with that.
Speaker 1: Yeah. I love project management. It's one of my I
Speaker 1: guess strong points you could say, because I like to
Speaker 1: do a budget, but I also like to have like
Speaker 1: the stages at which that budget is going to be
Speaker 1: and on what and where and how, And I think
Speaker 1: it's important that while you can do things bit by bit,
Speaker 1: and I definitely would recommend that if you're renovating, like
Speaker 1: you know, do it room by room or level by level,
Speaker 1: starting with the floors and doing the whole house. For example,
Speaker 1: had I just decided to do the kitchen, right, it
Speaker 1: would have cost me more money to do the kitchen
Speaker 1: now and then you know, wait and then do the
Speaker 1: laundroom and then do the floors in the loundroom. So
Speaker 1: we're doing the flaws for the entire house at the
Speaker 1: same time, right after the kitchen has been installed. But
Speaker 1: we're not doing the bathrooms yet. But we're going to
Speaker 1: get to the bathrooms at some stage, and we're going
Speaker 1: to get to the laundroom and you know, change up
Speaker 1: stuff in there, but we're definitely not doing it at
Speaker 1: the same time as the kitchen. But because the flaws
Speaker 1: are such a big task, we're just like one and done.
Speaker 1: I don't want to pay someone to come out and
Speaker 1: just do the kitchen and then come out again and
Speaker 1: have more service fees and more charges, just like quote
Speaker 1: me for the whole thing and get it done. So
Speaker 1: I think that project management is really important because it's
Speaker 1: going to tell you like when you can do things
Speaker 1: and what your budget for things looks like. So we
Speaker 1: are budgeting at the moment to do our bathrooms, but
Speaker 1: we're not doing our bathrooms yet because I'm kind of like,
Speaker 1: I don't want to do the kitchens and the bathrooms
Speaker 1: all at once. That's going to be really expensive. So
Speaker 1: we're doing the kitchen now, and as you guys know,
Speaker 1: I've posted a lot about it on social media. We've
Speaker 1: been doing planning for that for the last what eight
Speaker 1: months or so, right, Like, I've been in and out
Speaker 1: of Bunnings a million times because I couldn't decide which
Speaker 1: white cabinets I wanted, and like, they have the samples there,
Speaker 1: so I kept going in. Like back when Gabby worked
Speaker 1: for us, I was like dragging her in and being like,
Speaker 1: but is this white tu cream And She's like, no,
Speaker 1: that's really nice, and I'd be like okay, and then
Speaker 1: I'd settle on it, and then I'd go home and
Speaker 1: be like, I just need to see it in person
Speaker 1: one more time with the sample of the bench tops, right,
Speaker 1: So it was really nice to have a long lead
Speaker 1: up period so that now the kitchen's in and it
Speaker 1: is in, I'm really excited about it, and I go, yeah, no,
Speaker 1: I know these were the right color selections for me.
Speaker 1: But I think that being able to do things and
Speaker 1: having a plan has helped a lot. And like, even
Speaker 1: if you're not a spreadsheet wizard, like there are so
Speaker 1: many templates out there that you could use that really
Speaker 1: help you. And I mean we'll drop something that I
Speaker 1: have used so that you guys can use it as well.
Speaker 1: I mean, it's not the best thing in the entire world,
Speaker 1: because I'm not a super professional, but I think it
Speaker 1: does you know the job, and really helps you think
Speaker 1: about things and get on the right page. Because we
Speaker 1: have made sure that we've like dotted all our eyes
Speaker 1: and crossed our our t's because beck I did it
Speaker 1: the wrong way the first time and the second time.
Speaker 1: We are not doing that again. It's not my first rodeo,
Speaker 1: you know, like we're just not going to fall off
Speaker 1: the ball again.
Speaker 4: We hope, not exactly. I don't know about you, but
Speaker 4: I feel like it's a pretty good place to leave it.
Speaker 1: I think it's a good place to leave it. But
Speaker 1: also I think it's important if you're going to renovate
Speaker 1: budget budget, budget, and the best way to budget is
Speaker 1: to be really clear about what it's going to cost.
Speaker 1: We're not guestimating, Like if it means that you pop
Speaker 1: on down to Reese Plumbing and spend an hour or
Speaker 1: two looking at taps and going, oh, I thought that
Speaker 1: the tap would cost me, you know, fifty bucks and going, oh, actually,
Speaker 1: I've realized I like a more expensive option, or I
Speaker 1: like something else. Like you're getting a good idea for
Speaker 1: what your taste is as well as what budget is
Speaker 1: because it's so easy to google, like what's the average
Speaker 1: cost for renovating a kitchen and that will come up,
Speaker 1: but like you don't know what you're actually going to
Speaker 1: choose or what that's actually going to look like go
Speaker 1: down to Bunnings and have a look at the kitchens there,
Speaker 1: Like they have a full kerboodle installation in most Bunnings
Speaker 1: that you can go down to and see what the
Speaker 1: quality is. Like you might go far out, this is
Speaker 1: actually great, I do want to put this in my house.
Speaker 1: But you can have a look at what the different
Speaker 1: cabnet options are going to be, and you know, you
Speaker 1: might be renovating on a budget, but also on a
Speaker 1: really short timeframe, like maybe you're like, oh my gosh,
Speaker 1: I've got to lease this property out, but the kitchen's
Speaker 1: got to change. Like have a chat to them there,
Speaker 1: because they have off the shelf options, so like what
Speaker 1: can you use or what's going to take a little
Speaker 1: bit longer to order in the cabinet draws. I pitched
Speaker 1: we had to order. They weren't off the shelf, but
Speaker 1: the cabinet frames were off the shelf. So I think
Speaker 1: it's really important to just understand not only your budget,
Speaker 1: but what that timeframe looks like. Yeah, let's leave it there,
Speaker 1: because I feel like I've spoken about flaws a lot,
Speaker 1: and i'd like to talk about coffee with you. Is
Speaker 1: that okay? I'd love that. We don't have any more
Speaker 1: time today, but I have loved chatting to you Beck.
Speaker 1: We'll see you next week, guys, Bye, guys. The advice
Speaker 1: shared on She's on the Money is general in nature
Speaker 1: and does not consider your individual circumstances. She's on the
Speaker 1: Money exists purely for educational purposes and should not be
Speaker 1: relied upon to make an investment or financial decision. If
Speaker 1: you do choose to buy a financial product, read the
Speaker 1: PDS TMD and obtain appropriate financial advice tailored towards your needs.
Speaker 1: Victoria Devine and She's on the Money are authorized representatives
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