1
00:00:00,680 --> 00:00:04,920
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr

2
00:00:04,960 --> 00:00:08,680
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

3
00:00:08,680 --> 00:00:11,160
Speaker 1: we get started on She's on the Money podcast, I

4
00:00:11,160 --> 00:00:14,319
Speaker 1: would like to acknowledge the traditional custodians of the land

5
00:00:14,400 --> 00:00:17,680
Speaker 1: of which this podcast is recorded on a wondery country,

6
00:00:18,120 --> 00:00:22,240
Speaker 1: acknowledging the elders, the ancestors and the next generation coming

7
00:00:22,320 --> 00:00:26,960
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

8
00:00:27,080 --> 00:00:30,120
Speaker 1: and the storytelling of you to make a difference for

9
00:00:30,240 --> 00:00:32,640
Speaker 1: today and lasting impact for tomorrow.

10
00:00:33,320 --> 00:00:34,120
Speaker 2: Let's get into it.

11
00:00:34,760 --> 00:00:47,880
Speaker 3: She's on the Money. She's on the Money.

12
00:00:57,760 --> 00:01:01,520
Speaker 4: Hello, and welcome to She's on the the podcast Millennials

13
00:01:01,520 --> 00:01:05,039
Speaker 4: who want Financial Freedom. Today, my friends, is Friday, which

14
00:01:05,040 --> 00:01:07,119
Speaker 4: means it is time to get our little team together

15
00:01:07,200 --> 00:01:10,640
Speaker 4: and celebrate you how incredible She's on the Money community

16
00:01:11,040 --> 00:01:13,319
Speaker 4: today is just greed. She is going to be sharing

17
00:01:13,400 --> 00:01:16,640
Speaker 4: her favorite money wins from the community. Beck Sayed is

18
00:01:16,720 --> 00:01:19,200
Speaker 4: going to be sharing her best broke tips which have

19
00:01:19,240 --> 00:01:21,240
Speaker 4: been going very well by my dad.

20
00:01:21,280 --> 00:01:23,000
Speaker 2: We get lots of good feedback. Beck.

21
00:01:23,280 --> 00:01:25,400
Speaker 4: We're going to be answering a juicy money dilemma which

22
00:01:25,400 --> 00:01:28,160
Speaker 4: this week is all about buying a house with your partner.

23
00:01:28,680 --> 00:01:31,280
Speaker 2: That clicking is just pulling out her invisil.

24
00:01:30,840 --> 00:01:34,440
Speaker 4: Line because she forgot to take it out for recording

25
00:01:34,760 --> 00:01:38,640
Speaker 4: and unpacking something that you slid into our DMS about

26
00:01:38,640 --> 00:01:42,080
Speaker 4: which this week we're talking about splitting the bill at dinner.

27
00:01:42,959 --> 00:01:45,120
Speaker 2: Let's ask Jessica, how are in visil line? Is it

28
00:01:45,160 --> 00:01:45,600
Speaker 2: this week?

29
00:01:45,920 --> 00:01:46,399
Speaker 5: Really good?

30
00:01:46,680 --> 00:01:48,280
Speaker 2: It's really good? Fuck great?

31
00:01:48,560 --> 00:01:51,880
Speaker 5: Oh, you know, I've had him for so long and

32
00:01:51,880 --> 00:01:53,640
Speaker 5: I'm on like, I've only got a couple of days

33
00:01:53,680 --> 00:01:57,160
Speaker 5: left on this trace. She didn't hurt too much at all.

34
00:01:58,640 --> 00:01:59,960
Speaker 2: The little click click click.

35
00:02:01,880 --> 00:02:02,960
Speaker 5: You're welcome everyone.

36
00:02:04,200 --> 00:02:06,720
Speaker 4: I have done in Fizzle Liner as well. And it's

37
00:02:06,760 --> 00:02:09,120
Speaker 4: funny because at the very beginning, if you're in Fizzlene Journey,

38
00:02:09,160 --> 00:02:11,720
Speaker 4: I feel like everybody just like walks out of the room,

39
00:02:11,840 --> 00:02:15,160
Speaker 4: goes to the bathroom, take rinses them, puts them back

40
00:02:15,200 --> 00:02:17,880
Speaker 4: in the case, pops them in their handbag. And then

41
00:02:18,040 --> 00:02:20,600
Speaker 4: obviously jess is a heap of mumps in because she's

42
00:02:20,600 --> 00:02:23,480
Speaker 4: just whipping them out of that they're sitting.

43
00:02:22,720 --> 00:02:23,360
Speaker 5: On the table.

44
00:02:26,360 --> 00:02:32,359
Speaker 2: She's not going to rinse them. I remember at the start, though,

45
00:02:32,400 --> 00:02:34,480
Speaker 2: you were like so particular about putting. Do you even

46
00:02:34,480 --> 00:02:35,360
Speaker 2: know where your case is?

47
00:02:35,840 --> 00:02:35,880
Speaker 1: No?

48
00:02:37,680 --> 00:02:40,240
Speaker 5: Actually it's it's in my car. I think, yeah, okay,

49
00:02:40,720 --> 00:02:41,200
Speaker 5: when I take.

50
00:02:41,160 --> 00:02:45,360
Speaker 2: Her in your car when you through the drive through, because.

51
00:02:45,080 --> 00:02:48,480
Speaker 5: When I eat my mac, I put my in throw

52
00:02:48,480 --> 00:02:49,520
Speaker 5: them out by accident.

53
00:02:49,680 --> 00:02:53,400
Speaker 2: That makes sense, very responsible. The rest of your week being.

54
00:02:53,320 --> 00:02:59,520
Speaker 5: Jess, I'm getting on a plane today. Oh my gosh,

55
00:02:59,680 --> 00:03:02,040
Speaker 5: but I like nothing this week really can trump the

56
00:03:02,080 --> 00:03:05,760
Speaker 5: exciting news, like forget my news. We have an emails count,

57
00:03:08,080 --> 00:03:08,840
Speaker 5: then you go first.

58
00:03:09,280 --> 00:03:18,160
Speaker 2: That's okay, Well you're elips I know, no, but okay, Well,

59
00:03:18,160 --> 00:03:20,960
Speaker 2: my week was actually really good. It was full of

60
00:03:21,440 --> 00:03:23,520
Speaker 2: just so many I have had so many plans like

61
00:03:23,800 --> 00:03:27,480
Speaker 2: it started from Friday last week literally up until today.

62
00:03:27,560 --> 00:03:30,239
Speaker 2: It was just full of people that friends that I've

63
00:03:30,240 --> 00:03:31,920
Speaker 2: known for a long time that I feel comfortable with

64
00:03:31,919 --> 00:03:34,600
Speaker 2: in myself with, and new friends that I felt connected to.

65
00:03:34,880 --> 00:03:38,200
Speaker 2: And it's been a really full week. All my buckets

66
00:03:38,200 --> 00:03:39,320
Speaker 2: are full. I feel great.

67
00:03:39,640 --> 00:03:40,520
Speaker 5: Oh my gosh.

68
00:03:40,560 --> 00:03:43,560
Speaker 2: But is it because you got English muffins?

69
00:03:43,800 --> 00:03:44,360
Speaker 5: Thank you so much.

70
00:03:44,400 --> 00:03:47,080
Speaker 2: That's so nice. It's very oily. That's probably why week

71
00:03:47,360 --> 00:03:49,360
Speaker 2: it's sleep I think this is the big news. Actually,

72
00:03:49,440 --> 00:03:51,840
Speaker 2: Victoria brought us some I'm really lovely English muffins.

73
00:03:51,960 --> 00:03:54,320
Speaker 5: I got the best English I always thought we have.

74
00:03:54,760 --> 00:03:58,920
Speaker 4: I always give the most rogue presence, Like if I'm

75
00:03:58,960 --> 00:04:01,200
Speaker 4: into something, I'm like, hey, Jess, I brought you this

76
00:04:01,320 --> 00:04:02,840
Speaker 4: jam and.

77
00:04:02,760 --> 00:04:03,240
Speaker 5: I love it.

78
00:04:03,320 --> 00:04:05,440
Speaker 4: You're never going to get like, oh, here's a really

79
00:04:05,440 --> 00:04:07,400
Speaker 4: thoughtful president that costs lots and lots of money. I

80
00:04:07,400 --> 00:04:12,520
Speaker 4: bought you English muffins, but that's they do cost. They

81
00:04:12,640 --> 00:04:15,520
Speaker 4: are very very good for those of you in Melbourne.

82
00:04:15,560 --> 00:04:18,480
Speaker 4: They are the Dreary Lane English muffins and I am

83
00:04:18,560 --> 00:04:21,640
Speaker 4: obsessed with them, like they are honestly the best English

84
00:04:21,680 --> 00:04:23,800
Speaker 4: muffins in the entire world. I also think it's a

85
00:04:23,839 --> 00:04:25,840
Speaker 4: really good name for an English muffin company.

86
00:04:26,920 --> 00:04:28,720
Speaker 2: Lane hard to say.

87
00:04:29,680 --> 00:04:30,360
Speaker 5: Where does he live?

88
00:04:30,800 --> 00:04:33,520
Speaker 2: Drewy Lane? Is that not the best English muffin company

89
00:04:33,600 --> 00:04:37,640
Speaker 2: name ever? Is it is? I really like it. I mean,

90
00:04:37,880 --> 00:04:39,920
Speaker 2: I'm just dying to get to the elephant in the room.

91
00:04:39,920 --> 00:04:42,240
Speaker 2: I don't know if it's not really an elephant's.

92
00:04:41,800 --> 00:04:43,240
Speaker 5: Trying to think of a funny segue. And I was

93
00:04:43,279 --> 00:04:45,160
Speaker 5: going to like make it a size related comment, but

94
00:04:45,200 --> 00:04:46,960
Speaker 5: I feel like I don't know, I know.

95
00:04:47,040 --> 00:04:53,640
Speaker 2: Well, this is maybe about news. Is the size of

96
00:04:53,640 --> 00:04:54,480
Speaker 2: the English Muffin.

97
00:04:54,880 --> 00:04:57,680
Speaker 4: This is so strange announcing it on the podcast, but

98
00:04:57,760 --> 00:05:02,680
Speaker 4: my husband Steve and I are having baby. Yeah, yeah,

99
00:05:02,720 --> 00:05:06,080
Speaker 4: it's really really fun. We're very obviously grateful for it.

100
00:05:06,080 --> 00:05:09,560
Speaker 4: It has been a journey getting here, but I feel

101
00:05:09,600 --> 00:05:12,599
Speaker 4: like it is, yeah, very exciting to announce. Also, I

102
00:05:12,600 --> 00:05:14,680
Speaker 4: guess in the same breath they want to say that

103
00:05:14,760 --> 00:05:16,840
Speaker 4: news could have hit you in the chest like a

104
00:05:16,880 --> 00:05:19,479
Speaker 4: ton of bricks if you're hearing it and going through

105
00:05:19,640 --> 00:05:21,040
Speaker 4: I guess fertility challenges.

106
00:05:21,120 --> 00:05:22,480
Speaker 2: I know that when I was in.

107
00:05:22,400 --> 00:05:25,200
Speaker 4: That position where I'd had a few losses and it

108
00:05:25,240 --> 00:05:27,880
Speaker 4: was really hard getting pregnant and life was just at

109
00:05:27,880 --> 00:05:30,640
Speaker 4: that point, it felt really dark, like I didn't like

110
00:05:30,720 --> 00:05:32,360
Speaker 4: hearing other people's pregnancy news.

111
00:05:32,360 --> 00:05:34,159
Speaker 2: And I get it if you're not excited. I totally

112
00:05:34,160 --> 00:05:36,760
Speaker 2: get at your feelings are so valid, and I think

113
00:05:36,800 --> 00:05:39,440
Speaker 2: that that is part of the journey. But I think

114
00:05:39,880 --> 00:05:40,960
Speaker 2: it's holy we're.

115
00:05:40,800 --> 00:05:42,080
Speaker 5: Going to add another Guiarlie to the squad.

116
00:05:42,120 --> 00:05:43,880
Speaker 2: Well we don't know, we don't know, but everybody's just

117
00:05:43,920 --> 00:05:45,200
Speaker 2: assuming it's a girl.

118
00:05:45,279 --> 00:05:47,480
Speaker 4: We're nearly halfway at this point, so I did leave

119
00:05:47,520 --> 00:05:49,039
Speaker 4: it a little bit late. I think it was like

120
00:05:49,080 --> 00:05:52,359
Speaker 4: the worst kept secret in the history of ever because

121
00:05:52,400 --> 00:05:55,400
Speaker 4: I have been so sick. So everybody in our office

122
00:05:55,760 --> 00:05:59,520
Speaker 4: absolutely well and truly knows. There were a few questions, Yeah,

123
00:06:00,120 --> 00:06:03,000
Speaker 4: mich whenever I did speaking events, like I do have

124
00:06:03,040 --> 00:06:04,520
Speaker 4: a bit of a bump, So there was a lot

125
00:06:04,560 --> 00:06:07,640
Speaker 4: of like bombastic side eye, she just.

126
00:06:07,600 --> 00:06:10,320
Speaker 2: Bloated or she pregnant. No, you can't ask that question.

127
00:06:13,000 --> 00:06:15,280
Speaker 2: That ring on a string. No, I haven't done any

128
00:06:15,320 --> 00:06:18,080
Speaker 2: of those things. Yeah, we do it off, we can

129
00:06:18,120 --> 00:06:18,360
Speaker 2: do it.

130
00:06:18,400 --> 00:06:18,880
Speaker 5: We can do it.

131
00:06:18,920 --> 00:06:21,080
Speaker 4: Absolutely. I'm all about it. Because we're not finding out

132
00:06:21,080 --> 00:06:22,679
Speaker 4: the gender. It's going to be a surprise.

133
00:06:23,000 --> 00:06:25,680
Speaker 2: But yeah, I'm all about those wives tales because I

134
00:06:25,680 --> 00:06:28,080
Speaker 2: feel like I just play into it so much. Does

135
00:06:28,120 --> 00:06:28,800
Speaker 2: it mean anything?

136
00:06:28,880 --> 00:06:29,040
Speaker 5: No?

137
00:06:29,560 --> 00:06:32,279
Speaker 4: My ov was like no, Victoria, like that means nothing.

138
00:06:32,520 --> 00:06:34,280
Speaker 4: I was like, yeah, but I'm carrying really high. It's

139
00:06:34,320 --> 00:06:34,960
Speaker 4: probably a girl.

140
00:06:35,000 --> 00:06:38,240
Speaker 2: And she's like that that is not actually accurate, and

141
00:06:38,279 --> 00:06:42,000
Speaker 2: I was like, cool, let me have it. So that's

142
00:06:42,320 --> 00:06:45,200
Speaker 2: that's the fun news of the week of the month.

143
00:06:45,400 --> 00:06:48,680
Speaker 2: I suppose the last four and a half months. I

144
00:06:48,720 --> 00:06:51,600
Speaker 2: suppose you could say it is that's very exciting. But yes,

145
00:06:51,760 --> 00:06:52,719
Speaker 2: I'm sure that broke.

146
00:06:52,880 --> 00:06:55,800
Speaker 4: Our video producer is probably going to put together a

147
00:06:55,839 --> 00:06:58,640
Speaker 4: really awful video of me and all of the cuts

148
00:06:58,640 --> 00:07:00,560
Speaker 4: in between episodes of me just gagging.

149
00:07:01,600 --> 00:07:06,000
Speaker 2: So can't wait for that content me sympathy gagging a

150
00:07:06,080 --> 00:07:08,480
Speaker 2: gag and then you'd be like ooh, and then I

151
00:07:08,600 --> 00:07:11,280
Speaker 2: producer gags and everyone being a very sexy trip.

152
00:07:11,320 --> 00:07:13,840
Speaker 4: But this episode is not about me, It is actually

153
00:07:13,880 --> 00:07:17,360
Speaker 4: about our community. So, miss Jessic GRICI, what are your

154
00:07:17,400 --> 00:07:20,000
Speaker 4: favorite money wins from our community this week?

155
00:07:20,160 --> 00:07:22,200
Speaker 5: My first money when this week comes from Hannah, who

156
00:07:22,200 --> 00:07:24,680
Speaker 5: said money win. I had an abundance of clothes. I've

157
00:07:24,680 --> 00:07:28,520
Speaker 5: tried selling a marketplace and everywhere else imaginable until I

158
00:07:28,600 --> 00:07:31,360
Speaker 5: came across a market in my state that specializes in

159
00:07:31,440 --> 00:07:33,840
Speaker 5: plus sized clothing, so I thought, why not give it

160
00:07:33,880 --> 00:07:36,000
Speaker 5: a go. My goal was not to bring one single

161
00:07:36,000 --> 00:07:38,800
Speaker 5: item of clothing home. My goal was almost achieved. I

162
00:07:38,960 --> 00:07:41,400
Speaker 5: came home with seven items when I left with about

163
00:07:41,440 --> 00:07:44,840
Speaker 5: two hundred. I'm very proud of myself, and I made

164
00:07:44,880 --> 00:07:47,520
Speaker 5: a huge profit going towards my house deposit, and we

165
00:07:47,600 --> 00:07:49,840
Speaker 5: got clean. Very fun and I know what we always

166
00:07:49,840 --> 00:07:52,320
Speaker 5: get a lot of people asking about reselling specifically for

167
00:07:52,400 --> 00:07:56,360
Speaker 5: the plus size market, is called double It's in Adelaide,

168
00:07:56,680 --> 00:07:59,239
Speaker 5: and I love the idea that that exists, and I'm

169
00:07:59,280 --> 00:08:01,880
Speaker 5: so cool. Anyone knows of one's in other states? Definitely

170
00:08:01,920 --> 00:08:02,120
Speaker 5: not a.

171
00:08:02,080 --> 00:08:05,280
Speaker 2: Snow Facebook group. Yeah, that's weird. I love it.

172
00:08:05,480 --> 00:08:08,160
Speaker 5: Next, I've got another shopping money in from Simone who

173
00:08:08,200 --> 00:08:09,840
Speaker 5: said I went to the opshop and I bought a

174
00:08:09,880 --> 00:08:12,800
Speaker 5: seven dollar biochemistry book, which was more than what I

175
00:08:12,800 --> 00:08:14,679
Speaker 5: wanted to pay, But then I saw it on Amazon

176
00:08:14,760 --> 00:08:18,560
Speaker 5: for five hundred bucks. Safe to say, happy with seven dollars.

177
00:08:18,600 --> 00:08:20,920
Speaker 2: Now, I've never been to an op shop in search

178
00:08:21,000 --> 00:08:22,760
Speaker 2: of a biochemistry book back, can you?

179
00:08:23,000 --> 00:08:24,840
Speaker 5: I cannot light reading.

180
00:08:25,000 --> 00:08:28,559
Speaker 2: Just don't like reading one five hundred dollars book all

181
00:08:28,600 --> 00:08:33,360
Speaker 2: for seven dollars. Repressive. I don't know. Universities maybe just

182
00:08:33,760 --> 00:08:34,760
Speaker 2: god I didn't go.

183
00:08:34,760 --> 00:08:39,640
Speaker 4: I wouldn't know, honestly, I swear my book list every

184
00:08:39,679 --> 00:08:41,800
Speaker 4: semester would cost about one thousand dollars.

185
00:08:42,000 --> 00:08:43,959
Speaker 2: Fine, one out of.

186
00:08:43,880 --> 00:08:46,240
Speaker 4: Ten, and then they make you buy the new volume

187
00:08:46,400 --> 00:08:50,760
Speaker 4: every year. Yeah, oh that one's outdated. My math's it's

188
00:08:50,800 --> 00:08:51,560
Speaker 4: not going to change.

189
00:08:51,679 --> 00:08:52,960
Speaker 5: No, No, I don't like it.

190
00:08:53,080 --> 00:08:53,560
Speaker 2: I don't like it.

191
00:08:53,559 --> 00:08:54,959
Speaker 4: I don't care if I have to flip a few

192
00:08:55,000 --> 00:08:57,400
Speaker 4: more pages. I'm using the old edition, so I've always

193
00:08:57,440 --> 00:09:01,680
Speaker 4: been like that. Yeah, absolutely good for money win like

194
00:09:01,760 --> 00:09:04,040
Speaker 4: that a lot. Next, I've got one from Lily who

195
00:09:04,040 --> 00:09:06,840
Speaker 4: said money win. I finally reviewed and updated my extras

196
00:09:06,840 --> 00:09:09,520
Speaker 4: only health insurance and I've saved myself forty a month.

197
00:09:09,600 --> 00:09:12,360
Speaker 2: Oh my gosh, that's a big money love.

198
00:09:12,760 --> 00:09:15,280
Speaker 5: Next, I've got one from Stephanie who said she scored

199
00:09:15,360 --> 00:09:17,800
Speaker 5: free leggings at the lskd opening.

200
00:09:17,880 --> 00:09:20,520
Speaker 2: Oh my gosh, yes, how excited.

201
00:09:20,240 --> 00:09:22,600
Speaker 5: Very fun. And then she got some thermals on super

202
00:09:22,600 --> 00:09:25,040
Speaker 5: clearance at Target for her Europe trip as well.

203
00:09:25,280 --> 00:09:25,760
Speaker 2: Money win.

204
00:09:26,160 --> 00:09:28,120
Speaker 5: Next, I've got a money in from Maren, who said

205
00:09:28,160 --> 00:09:30,360
Speaker 5: I've wanted Nike high Tops for work shoes for about

206
00:09:30,360 --> 00:09:32,560
Speaker 5: twelve months. I tried them on and loved them, thought

207
00:09:32,559 --> 00:09:34,880
Speaker 5: about it, and then remembered I had more than enough

208
00:09:34,920 --> 00:09:36,000
Speaker 5: in shopback.

209
00:09:35,559 --> 00:09:38,000
Speaker 2: Rewards or yes, how good is that really.

210
00:09:37,840 --> 00:09:40,120
Speaker 5: Purchasing the ones the money is transferred instead of buying

211
00:09:40,160 --> 00:09:40,640
Speaker 5: them tonight.

212
00:09:41,040 --> 00:09:42,680
Speaker 2: Oh that is so good.

213
00:09:42,800 --> 00:09:44,319
Speaker 5: What a genius, very clever.

214
00:09:44,600 --> 00:09:46,839
Speaker 2: That's literally a money win, Like that's money that you

215
00:09:46,880 --> 00:09:51,160
Speaker 2: wouldn't have had otherwise. It's free. It's really free money free, free,

216
00:09:52,160 --> 00:09:54,760
Speaker 2: free Nike high tops. So I was about to say airtops.

217
00:09:54,760 --> 00:09:57,480
Speaker 5: I don't know what I'm talking about. She gets it.

218
00:09:57,600 --> 00:09:59,800
Speaker 2: I'm a cool kid. She's so cool.

219
00:10:00,120 --> 00:10:02,320
Speaker 5: Lastly, I've got money one from Tara, who just said

220
00:10:02,320 --> 00:10:04,720
Speaker 5: a little fyi, if you order a water from maccas,

221
00:10:04,800 --> 00:10:12,360
Speaker 5: you still get the Monopoly ticket. Very clever mc donald's.

222
00:10:12,360 --> 00:10:15,080
Speaker 2: If you're listening, no you're not. But I have two

223
00:10:15,120 --> 00:10:21,400
Speaker 2: hundred free waters. I'm very thirsty. It's Monopoly back on macas.

224
00:10:21,520 --> 00:10:21,920
Speaker 5: It is.

225
00:10:23,520 --> 00:10:27,520
Speaker 2: Love is the clean of macas Monopoly so fine. I

226
00:10:27,559 --> 00:10:28,679
Speaker 2: tried to win the barbecue last year.

227
00:10:28,720 --> 00:10:29,240
Speaker 5: Didn't go well.

228
00:10:29,280 --> 00:10:29,840
Speaker 2: Oh I'm sorry.

229
00:10:29,880 --> 00:10:31,360
Speaker 4: Here, We're back on it. We're back on it. What

230
00:10:31,400 --> 00:10:33,040
Speaker 4: are we manifesting this year? Have you looked at the

231
00:10:33,120 --> 00:10:33,600
Speaker 4: prize list?

232
00:10:33,679 --> 00:10:34,280
Speaker 5: You know what I haveppened?

233
00:10:34,280 --> 00:10:36,040
Speaker 2: I've just collecting tickets.

234
00:10:36,520 --> 00:10:39,000
Speaker 4: Next next week on the show, we're going to be

235
00:10:39,200 --> 00:10:41,200
Speaker 4: updating you on something very exciting and it will be

236
00:10:41,280 --> 00:10:47,480
Speaker 4: Jess gives McDonald's monopoly, which list yes for everyone, Yeah, exactly.

237
00:10:47,840 --> 00:10:50,040
Speaker 2: Your win is everyone's wim. I think so too.

238
00:10:50,080 --> 00:10:52,439
Speaker 4: It was like the time she got the free kitchen

239
00:10:52,520 --> 00:10:54,880
Speaker 4: Aid mixer from all of her flybys points.

240
00:10:54,920 --> 00:10:57,440
Speaker 2: Everybody went nuts over that. So can you imagine if

241
00:10:57,440 --> 00:10:58,680
Speaker 2: she won stuff from Monopoly?

242
00:10:58,880 --> 00:11:00,560
Speaker 5: I know a right.

243
00:11:02,520 --> 00:11:04,480
Speaker 4: Speaking of being in it to win it, miss Beck,

244
00:11:05,120 --> 00:11:07,200
Speaker 4: what have you got when it comes to broke tips

245
00:11:07,240 --> 00:11:07,680
Speaker 4: this week?

246
00:11:07,920 --> 00:11:10,679
Speaker 2: Okay, So I've got a couple of good ones, very

247
00:11:10,800 --> 00:11:14,199
Speaker 2: Willwards related, I'm noticing, but just sponsored and like, have

248
00:11:14,280 --> 00:11:15,400
Speaker 2: they slid into your dms?

249
00:11:16,200 --> 00:11:17,840
Speaker 5: Not yet, Actually I don't know.

250
00:11:17,880 --> 00:11:20,080
Speaker 2: I find kind of weird. But let them know they can. Yeah,

251
00:11:20,120 --> 00:11:23,600
Speaker 2: they absolutely can. Free fruit for kids and for Beck Healy,

252
00:11:23,840 --> 00:11:26,439
Speaker 2: I'm still a kid at Okay. So the first one

253
00:11:26,480 --> 00:11:29,320
Speaker 2: is from Caitlin who said, I'm currently listening to an

254
00:11:29,320 --> 00:11:31,520
Speaker 2: episode of your podcast, and you guys had a lady

255
00:11:31,559 --> 00:11:34,199
Speaker 2: that had written in about Woolwards half price specials. But

256
00:11:34,280 --> 00:11:36,520
Speaker 2: let's go one better. I too work at Wooli's and

257
00:11:36,600 --> 00:11:38,360
Speaker 2: know that a lot of the wools brands are actually

258
00:11:38,400 --> 00:11:41,000
Speaker 2: still cheaper than the half priced specials. You have to

259
00:11:41,040 --> 00:11:45,000
Speaker 2: go by unit price to realize this, which is very clever.

260
00:11:45,480 --> 00:11:48,880
Speaker 2: Sninky sninky lady. Yes, I can't believe I forgot to

261
00:11:48,880 --> 00:11:52,719
Speaker 2: meet her name, so Woolies don't go for it, I know. Actually, yeah,

262
00:11:53,360 --> 00:11:56,080
Speaker 2: there's probably a lot of Caitlin's, so good luck. Yeah,

263
00:11:56,120 --> 00:12:01,400
Speaker 2: exactly what if we made up that is a fake name? Exactly?

264
00:12:01,440 --> 00:12:03,120
Speaker 2: You don't know if we're ahead of the game, which

265
00:12:03,160 --> 00:12:05,840
Speaker 2: we were not. No, But also you know, even when

266
00:12:05,880 --> 00:12:08,240
Speaker 2: you're going to like buy toilet paper or something like,

267
00:12:08,240 --> 00:12:10,880
Speaker 2: something looks cheaper or it's on special, it looks like fancy.

268
00:12:10,920 --> 00:12:14,079
Speaker 2: But if you go down and see how many cents

269
00:12:14,120 --> 00:12:17,760
Speaker 2: per role, yeah, you end up That's important. It's very important.

270
00:12:17,760 --> 00:12:19,520
Speaker 2: You don't realize it at the time because you're like, oh,

271
00:12:19,559 --> 00:12:21,800
Speaker 2: this one's on special, but it's still more expensive. So

272
00:12:21,920 --> 00:12:24,200
Speaker 2: always look at the unit price. You will get more

273
00:12:24,240 --> 00:12:26,400
Speaker 2: bang for your buck that way, and it's always on

274
00:12:26,440 --> 00:12:27,840
Speaker 2: the tag. You don't have to do the mass like

275
00:12:27,880 --> 00:12:30,520
Speaker 2: they have to show it on the little price tag

276
00:12:30,720 --> 00:12:34,559
Speaker 2: exactly exactly. So do that because sometimes it can be

277
00:12:34,679 --> 00:12:38,400
Speaker 2: very deceptive. Not gonna lie. When I'm looking at toilet paper,

278
00:12:38,480 --> 00:12:40,920
Speaker 2: I'm looking at how many ply it is, not how

279
00:12:41,000 --> 00:12:43,600
Speaker 2: much it is per role, because have you ever picked

280
00:12:43,679 --> 00:12:45,559
Speaker 2: up one ply toilet paper by accident?

281
00:12:45,840 --> 00:12:48,880
Speaker 5: Sandreat it's controversial.

282
00:12:48,960 --> 00:12:53,679
Speaker 2: I prefer one ply, but you would use more of it,

283
00:12:54,360 --> 00:12:57,400
Speaker 2: that's true. But something about three plat I feel like

284
00:12:57,400 --> 00:13:00,800
Speaker 2: like you can't justify it. I can't know, it's too soft.

285
00:13:00,840 --> 00:13:04,440
Speaker 2: It's just like, so, well, that's what we need. Too slippery.

286
00:13:04,760 --> 00:13:06,400
Speaker 5: You know you're broke. Tip from a couple of weeks

287
00:13:06,400 --> 00:13:09,320
Speaker 5: ago that someone sent in saying, squeeze the role. So

288
00:13:09,440 --> 00:13:11,160
Speaker 5: I don't squeeze the role because I don't like the

289
00:13:11,160 --> 00:13:15,760
Speaker 5: aesthetic of it. However looks, but it made me think

290
00:13:15,800 --> 00:13:19,120
Speaker 5: about the fact that I've never consciously considered how I

291
00:13:19,240 --> 00:13:20,840
Speaker 5: pull it. And it's true, like you just pull it

292
00:13:20,840 --> 00:13:23,040
Speaker 5: and when it stopped rolling, your stop and I've started

293
00:13:23,080 --> 00:13:26,960
Speaker 5: paying attention, and I could use like five percent of

294
00:13:27,000 --> 00:13:27,880
Speaker 5: what I normally use.

295
00:13:28,080 --> 00:13:33,520
Speaker 2: So like for you broke in, Jessica, and in the

296
00:13:33,559 --> 00:13:35,640
Speaker 2: long way, you do end up saving more money. Yeah,

297
00:13:35,800 --> 00:13:39,440
Speaker 2: so you don't let it go, like pay attention, pay attention,

298
00:13:39,640 --> 00:13:43,080
Speaker 2: be mindful, put down your phone. No, it's impossible. Are

299
00:13:43,080 --> 00:13:44,560
Speaker 2: you a scruncher or a folder?

300
00:13:44,559 --> 00:13:44,760
Speaker 5: Though?

301
00:13:44,800 --> 00:13:47,320
Speaker 2: Like what's the most economical use of paper?

302
00:13:47,800 --> 00:13:48,160
Speaker 1: Um?

303
00:13:48,280 --> 00:13:48,680
Speaker 5: I fold?

304
00:13:48,760 --> 00:13:49,360
Speaker 2: Yeah of course you.

305
00:13:49,440 --> 00:13:52,199
Speaker 5: But but it's like it's going to scrunch to it.

306
00:13:52,400 --> 00:13:56,920
Speaker 2: Yeah, you gotta scrunch to the fold. All right, let's

307
00:13:56,920 --> 00:14:00,320
Speaker 2: move on before this goes somewhere else have you got

308
00:14:00,320 --> 00:14:00,760
Speaker 2: for us?

309
00:14:00,880 --> 00:14:01,160
Speaker 5: Okay?

310
00:14:01,200 --> 00:14:04,400
Speaker 2: So the next broke tip is from Eleanor, who says

311
00:14:04,760 --> 00:14:07,040
Speaker 2: I have been using Willers rewards for a while now

312
00:14:07,120 --> 00:14:09,480
Speaker 2: and I have noticed they now do boosted points when

313
00:14:09,520 --> 00:14:13,160
Speaker 2: you purchase particular items. So if you go on their

314
00:14:13,160 --> 00:14:15,520
Speaker 2: website you can see that maybe for one week they're

315
00:14:15,559 --> 00:14:19,000
Speaker 2: doing like a thousand points per banana. But this is

316
00:14:19,080 --> 00:14:26,920
Speaker 2: relevant because either you'll get like that's definitely that's definitely

317
00:14:26,920 --> 00:14:27,680
Speaker 2: a bad example.

318
00:14:28,000 --> 00:14:31,080
Speaker 5: I love it, I wish, but also you know what.

319
00:14:31,160 --> 00:14:33,680
Speaker 2: Will sound like they're doing a good.

320
00:14:34,600 --> 00:14:36,280
Speaker 4: I was gonna be like, after we should reach out

321
00:14:36,280 --> 00:14:38,640
Speaker 4: to Elise because like I can see us working together.

322
00:14:39,040 --> 00:14:41,240
Speaker 2: Not now that you're like going, oh, they'll give you

323
00:14:41,320 --> 00:14:46,280
Speaker 2: a thousand points. BA, They're gonna go no, you guys, Yeah,

324
00:14:46,400 --> 00:14:48,440
Speaker 2: I'm so sorry to everyone listening. They're probably not going

325
00:14:48,520 --> 00:14:50,080
Speaker 2: to do that, but you never know. That was a

326
00:14:50,080 --> 00:14:52,840
Speaker 2: really bad example. So basically, the more points you get,

327
00:14:52,920 --> 00:14:55,160
Speaker 2: you eventually get ten dollars off per shop. And if

328
00:14:55,200 --> 00:14:57,400
Speaker 2: you just if you go to all Words and you

329
00:14:57,480 --> 00:15:00,760
Speaker 2: actually need these items, just check if the boosted that

330
00:15:00,800 --> 00:15:04,920
Speaker 2: week and fly By she did mention Flybys. Actually what

331
00:15:04,920 --> 00:15:07,480
Speaker 2: did she say here? Once you get two thousand points,

332
00:15:07,520 --> 00:15:09,000
Speaker 2: you can get ten dolls free off your next shop,

333
00:15:09,120 --> 00:15:12,320
Speaker 2: or you can transfer to quantous points. Sorry I thought

334
00:15:12,320 --> 00:15:16,160
Speaker 2: I said Flybys. I didn't quantaus points, so that's kind

335
00:15:16,160 --> 00:15:17,760
Speaker 2: of irrelevant for me. I'm not I'm not much of

336
00:15:17,760 --> 00:15:20,600
Speaker 2: a flyer, but if you are, that's.

337
00:15:20,440 --> 00:15:23,240
Speaker 5: Kind of cool. Save some cash on your holiday, exactly exactly.

338
00:15:23,320 --> 00:15:26,680
Speaker 2: I love that. Yeah, we're definitely a Flybys household in

339
00:15:26,720 --> 00:15:31,720
Speaker 2: this office. It's getting tense. It's not no, it's not

340
00:15:31,960 --> 00:15:36,640
Speaker 2: we fly Virgin, but we like Flybys. I feel like it.

341
00:15:36,600 --> 00:15:38,560
Speaker 5: All plugs in. You gotta have I feel like you

342
00:15:38,600 --> 00:15:39,680
Speaker 5: have to have an ecosystem.

343
00:15:39,720 --> 00:15:41,400
Speaker 2: But it's definitely a point in ecosystem.

344
00:15:41,440 --> 00:15:44,080
Speaker 5: Yeah. Yeah, aside stain Lane.

345
00:15:44,040 --> 00:15:47,520
Speaker 4: Speaking of Virgin, speaking a Virgin. Jess and I earlier

346
00:15:47,560 --> 00:15:51,440
Speaker 4: this week flew to Sydney for the Chaersa's second birthday party,

347
00:15:51,840 --> 00:15:55,840
Speaker 4: and oh we got upgraded to business.

348
00:15:56,080 --> 00:15:56,840
Speaker 2: That's a money win.

349
00:15:58,760 --> 00:16:02,720
Speaker 5: That is very cool, a huge money I'm an excited.

350
00:16:03,120 --> 00:16:05,240
Speaker 2: I want all the goths when we're I mean, we

351
00:16:05,280 --> 00:16:06,480
Speaker 2: can do it now if you want. So, we're going

352
00:16:06,560 --> 00:16:08,640
Speaker 2: to get lunch on the plane and everything. That is

353
00:16:08,760 --> 00:16:09,480
Speaker 2: so exciting.

354
00:16:09,480 --> 00:16:11,080
Speaker 3: I hadn't eat a lunch that day.

355
00:16:12,080 --> 00:16:15,840
Speaker 2: That is very very cool. Full transparency. This is a

356
00:16:15,880 --> 00:16:21,800
Speaker 2: pre recorded episode Jess is finding out right now, Jess

357
00:16:21,920 --> 00:16:24,920
Speaker 2: is flying business in approximately one point five hours and

358
00:16:25,000 --> 00:16:29,640
Speaker 2: she just found out is that. She was like, it

359
00:16:29,720 --> 00:16:34,080
Speaker 2: was so fancy. I was like, you don't you really?

360
00:16:34,080 --> 00:16:37,120
Speaker 4: You really got me a really busy week this week,

361
00:16:37,160 --> 00:16:39,520
Speaker 4: so we are recording Friday drinks on a Tuesday.

362
00:16:39,880 --> 00:16:43,640
Speaker 2: Sorry everyone, we've deceived you, but we are still drunk.

363
00:16:44,560 --> 00:16:48,080
Speaker 2: Jess wish not the rest of the table. Maybe you,

364
00:16:48,280 --> 00:16:51,560
Speaker 2: but thank you for coming prepared. But that's why Jess

365
00:16:51,600 --> 00:16:53,880
Speaker 2: was so excited. And to be honest, I'm really impressed

366
00:16:54,320 --> 00:16:58,440
Speaker 2: because usually she can't lie to save her life. To

367
00:16:58,560 --> 00:17:00,840
Speaker 2: bring it up, and I think that's why you scroll back.

368
00:17:01,080 --> 00:17:03,960
Speaker 5: If anyone saw that clip, I feel like my face

369
00:17:04,000 --> 00:17:06,840
Speaker 5: you can probably yeah, confused because.

370
00:17:09,240 --> 00:17:10,160
Speaker 2: Telling me something else.

371
00:17:10,240 --> 00:17:13,359
Speaker 4: The voice said, heck you, I'm so excited. And the

372
00:17:13,480 --> 00:17:14,440
Speaker 4: voice said.

373
00:17:14,359 --> 00:17:16,320
Speaker 2: I hadn't eaten that day.

374
00:17:18,520 --> 00:17:19,520
Speaker 5: Such a fast wire.

375
00:17:21,560 --> 00:17:23,320
Speaker 2: All right, all right, let's move on.

376
00:17:24,520 --> 00:17:27,040
Speaker 4: Jess is broke tip is fly with Victoria and she

377
00:17:27,160 --> 00:17:29,119
Speaker 4: will bid for an upgrade for you.

378
00:17:29,440 --> 00:17:33,000
Speaker 2: That is a good brow tip. Actually my personal break

379
00:17:33,000 --> 00:17:34,520
Speaker 2: tip for this week. Yeah, I want to know that

380
00:17:34,640 --> 00:17:38,440
Speaker 2: is relevant to this. It's not so much broke broke,

381
00:17:38,800 --> 00:17:40,760
Speaker 2: And I do apologize for those listening that might not

382
00:17:40,800 --> 00:17:43,000
Speaker 2: be able to relate to this. But let's say you

383
00:17:43,040 --> 00:17:46,199
Speaker 2: are traveling and you only have a set amount of budget.

384
00:17:46,640 --> 00:17:49,480
Speaker 2: My best friend's sister was telling about how she had

385
00:17:49,840 --> 00:17:53,840
Speaker 2: X amount to spend, but every resort or accommodation they

386
00:17:53,840 --> 00:17:55,960
Speaker 2: were a little bit more pricey. Yeah, she wanted to

387
00:17:55,960 --> 00:17:58,320
Speaker 2: say somewhere nice, so she called up a couple places

388
00:17:58,320 --> 00:18:00,359
Speaker 2: and emailed a couple of places and said, this is

389
00:18:00,359 --> 00:18:02,639
Speaker 2: my budget, what are you going to do for me?

390
00:18:02,880 --> 00:18:05,560
Speaker 2: And I think at least two places came back and

391
00:18:05,560 --> 00:18:08,520
Speaker 2: said we can, we can do that. Really, it's so

392
00:18:08,680 --> 00:18:12,240
Speaker 2: cool that I don't even thought no, I feel like

393
00:18:12,680 --> 00:18:14,800
Speaker 2: no worries. If not, i'd be too scared to like

394
00:18:15,119 --> 00:18:15,760
Speaker 2: what do you lose?

395
00:18:15,920 --> 00:18:18,200
Speaker 5: Like if you have a if you have a queen move.

396
00:18:18,160 --> 00:18:19,200
Speaker 2: I know, like, what are they going to do to

397
00:18:19,240 --> 00:18:20,440
Speaker 2: say no? What's who cares?

398
00:18:20,760 --> 00:18:21,160
Speaker 5: Exactly?

399
00:18:21,200 --> 00:18:22,680
Speaker 2: Who cares?

400
00:18:22,880 --> 00:18:24,920
Speaker 5: Yes, because they don't have many if they have heaps

401
00:18:24,920 --> 00:18:26,840
Speaker 5: of empty rooms, they probably some money.

402
00:18:26,920 --> 00:18:29,520
Speaker 2: Yeah, money, Yes, I think I think this was like

403
00:18:29,640 --> 00:18:31,240
Speaker 2: a little bit. It wasn't super last minute, but it

404
00:18:31,240 --> 00:18:33,000
Speaker 2: was a little bit more last minute. So that's okay,

405
00:18:33,080 --> 00:18:35,160
Speaker 2: best time to like reach out and be like quite cool,

406
00:18:35,320 --> 00:18:37,160
Speaker 2: may as well have someone in there for a little

407
00:18:37,160 --> 00:18:37,680
Speaker 2: bit of money.

408
00:18:37,880 --> 00:18:38,480
Speaker 5: Great tip.

409
00:18:38,720 --> 00:18:40,359
Speaker 2: I feel like that is a brilliant tip. It actually

410
00:18:40,400 --> 00:18:42,399
Speaker 2: leans into my favorite quote of the week, which has

411
00:18:42,440 --> 00:18:45,960
Speaker 2: been really helping me actually, and the quote is it's

412
00:18:45,960 --> 00:18:49,360
Speaker 2: not that deep. Oh yeah, I like email them. It's

413
00:18:49,440 --> 00:18:50,600
Speaker 2: not that deep deep.

414
00:18:51,000 --> 00:18:52,400
Speaker 5: I think such a big deal.

415
00:18:52,480 --> 00:18:54,760
Speaker 2: Yeah, exactly, that's not a big deal. Like email them,

416
00:18:55,240 --> 00:18:56,000
Speaker 2: go get it, queen.

417
00:18:56,119 --> 00:18:56,480
Speaker 5: I love that.

418
00:18:56,960 --> 00:18:59,280
Speaker 4: Here I am being like, oh, my money saving tip

419
00:18:59,320 --> 00:19:03,199
Speaker 4: is don't for buffet breakfast. Baoh breakfast, So poor Jessica.

420
00:19:03,240 --> 00:19:05,560
Speaker 4: Whenever we stay anywhere, I'm like, I'm not paying for that.

421
00:19:06,080 --> 00:19:11,119
Speaker 4: We are going to be buying cereals and fact, if

422
00:19:11,160 --> 00:19:13,639
Speaker 4: buffet breakfast is included, you best believe there's a TopWare

423
00:19:13,680 --> 00:19:16,159
Speaker 4: container in my bag so I can steal pastries for

424
00:19:16,240 --> 00:19:17,040
Speaker 4: morning tea and lunch.

425
00:19:18,920 --> 00:19:19,800
Speaker 2: It's just who I amas.

426
00:19:20,760 --> 00:19:22,679
Speaker 5: Follow us for more travel saving tips.

427
00:19:23,320 --> 00:19:25,280
Speaker 4: Let's go to a really quick break and on the

428
00:19:25,280 --> 00:19:26,920
Speaker 4: flip side, we're going to be talking about buying a

429
00:19:26,920 --> 00:19:29,359
Speaker 4: house with your partner and how to have a conversation

430
00:19:29,400 --> 00:19:31,280
Speaker 4: about splitting the bill at dinner.

431
00:19:31,440 --> 00:19:35,720
Speaker 2: Don't go anywhere, guys.

432
00:19:37,600 --> 00:19:40,320
Speaker 5: Welcome back, everybody. Let's take a listen to the money dilemma.

433
00:19:42,440 --> 00:19:42,920
Speaker 2: Hi, there.

434
00:19:43,240 --> 00:19:45,400
Speaker 4: Have you got a money dilemma you just can't solve.

435
00:19:45,640 --> 00:19:47,800
Speaker 4: The Sheese on the Money Team is here to help.

436
00:19:48,160 --> 00:19:51,159
Speaker 4: Every week, we tackle your dilemmas, both big and small,

437
00:19:51,240 --> 00:19:53,200
Speaker 4: to answer your most burning money.

438
00:19:52,920 --> 00:19:54,280
Speaker 2: Career and life questions.

439
00:19:54,520 --> 00:19:57,000
Speaker 4: To get involved, simply head to our website and leave

440
00:19:57,080 --> 00:19:59,200
Speaker 4: us a short voice recording and you might just find

441
00:19:59,200 --> 00:20:01,960
Speaker 4: yourself on the show. Now, let's take a listen to

442
00:20:02,000 --> 00:20:04,200
Speaker 4: this week's money dilemma.

443
00:20:06,280 --> 00:20:08,119
Speaker 6: Hey, teams, So, my partner and I are looking to

444
00:20:08,119 --> 00:20:10,639
Speaker 6: buy our first home together. My partner's already on a

445
00:20:10,680 --> 00:20:13,240
Speaker 6: mortgage with his family and he doesn't make any of payments,

446
00:20:13,320 --> 00:20:15,280
Speaker 6: but it does mean the banks still see him as liable,

447
00:20:15,320 --> 00:20:18,200
Speaker 6: so it's impacted our borrowing power and first home buyer benefits.

448
00:20:18,359 --> 00:20:20,960
Speaker 6: His parents have generously offered us one hundred thousand dollars

449
00:20:20,960 --> 00:20:23,560
Speaker 6: to contribute towards our deposit, and at first I felt

450
00:20:23,560 --> 00:20:26,640
Speaker 6: guilty about taking money from them, but as their decisions

451
00:20:26,640 --> 00:20:28,600
Speaker 6: have impacted our borrowing power, I kind of feel like

452
00:20:28,600 --> 00:20:31,080
Speaker 6: a balance is out. But there's also been talk of

453
00:20:31,160 --> 00:20:34,159
Speaker 6: a financial agreement about who owns how much of our house,

454
00:20:34,600 --> 00:20:37,320
Speaker 6: and I feel quite uncomfortable about the whole thing because

455
00:20:37,359 --> 00:20:39,359
Speaker 6: it's very generous of them. But I also feel like

456
00:20:39,359 --> 00:20:41,480
Speaker 6: it's now my partner and his family buying a house,

457
00:20:41,520 --> 00:20:43,000
Speaker 6: and I'm just tacked onto the ride.

458
00:20:43,160 --> 00:20:45,040
Speaker 2: It's making me feel like I don't want to buy anymore.

459
00:20:45,480 --> 00:20:47,399
Speaker 6: I'll be talking about it with my partner, of course,

460
00:20:47,440 --> 00:20:49,640
Speaker 6: but I wondered if the community had any thoughts.

461
00:20:49,920 --> 00:20:52,439
Speaker 2: Thanks, this did not go the way I thought it would.

462
00:20:52,640 --> 00:20:54,240
Speaker 5: No kind of a couldurn to be in there, didn't I?

463
00:20:54,400 --> 00:20:55,800
Speaker 2: Yeah, but I can see where it's just coming from.

464
00:20:55,880 --> 00:20:58,720
Speaker 2: Of course, I totally understand that feeling. Let's start this

465
00:20:58,760 --> 00:21:02,119
Speaker 2: side of the table, good idea, better to start with

466
00:21:02,200 --> 00:21:04,840
Speaker 2: the expert. Actually, yeah, you just go hard to go home.

467
00:21:04,960 --> 00:21:08,919
Speaker 2: That's guys. So what when it comes to buying power?

468
00:21:09,200 --> 00:21:12,840
Speaker 2: This is what I suggest. Just take care of yourself

469
00:21:13,320 --> 00:21:15,600
Speaker 2: everyone around you, and that's it for me.

470
00:21:16,600 --> 00:21:19,760
Speaker 4: I think I think Bec's tip might be, if this

471
00:21:20,040 --> 00:21:22,840
Speaker 4: is not too rude, understand what buying power is.

472
00:21:23,480 --> 00:21:26,719
Speaker 2: Ah, that's a very very good piece. We can talk

473
00:21:26,760 --> 00:21:28,840
Speaker 2: about it after. Sure, we can talk about it after.

474
00:21:28,920 --> 00:21:31,680
Speaker 4: But I think it's interesting because that is a very

475
00:21:31,720 --> 00:21:35,600
Speaker 4: generous gift and it obviously gets you ahead. But at

476
00:21:35,600 --> 00:21:39,840
Speaker 4: the same time, I feel like I don't know if

477
00:21:40,160 --> 00:21:41,880
Speaker 4: saying this is mean, but I feel like you're taking

478
00:21:41,920 --> 00:21:44,399
Speaker 4: it the wrong way, like it totally gets you ahead.

479
00:21:44,760 --> 00:21:47,800
Speaker 4: I totally understand there being a financial agreement. In fact,

480
00:21:47,840 --> 00:21:49,879
Speaker 4: if you forget the fact that your partner already has

481
00:21:49,920 --> 00:21:52,200
Speaker 4: a mortgage with his family and the fact that it's

482
00:21:52,240 --> 00:21:55,080
Speaker 4: being gifted, Like, for a hot second, pretend that your

483
00:21:55,119 --> 00:21:57,760
Speaker 4: partner has one hundred thousand dollars deposit. If I was

484
00:21:57,800 --> 00:21:59,520
Speaker 4: going in and buying a house with Jess and she

485
00:21:59,560 --> 00:22:02,120
Speaker 4: had a hund and I didn't, I would actually expect

486
00:22:02,160 --> 00:22:05,200
Speaker 4: there to be a financial agreement that says, hey, if

487
00:22:05,200 --> 00:22:06,960
Speaker 4: we go and sell this house or Jess and I

488
00:22:07,040 --> 00:22:09,879
Speaker 4: break up for some reason, Jess gets her hundred grand

489
00:22:10,040 --> 00:22:13,440
Speaker 4: back because that doesn't instantly become my money. So maybe

490
00:22:13,520 --> 00:22:16,240
Speaker 4: a little bit of a mindset shift around that and going, well,

491
00:22:16,280 --> 00:22:19,119
Speaker 4: actually that makes sense because if Jess brings one hundred

492
00:22:19,119 --> 00:22:21,800
Speaker 4: grand to the table and I get to invest and

493
00:22:22,400 --> 00:22:25,600
Speaker 4: you know, acquire an asset that can appreciate in value,

494
00:22:25,640 --> 00:22:28,080
Speaker 4: I'm still in a good position here. You know, you're

495
00:22:28,119 --> 00:22:31,119
Speaker 4: not tacked along for the ride, Like Jess wouldn't be

496
00:22:31,160 --> 00:22:33,560
Speaker 4: giving me one hundred grand to you know, do that

497
00:22:34,000 --> 00:22:36,440
Speaker 4: if she didn't expect this relationship to last, so I

498
00:22:36,480 --> 00:22:39,040
Speaker 4: would assume that the same thing is happening with his family, Like,

499
00:22:39,080 --> 00:22:41,919
Speaker 4: there's no way, let's be honest, there's no way I

500
00:22:41,920 --> 00:22:44,840
Speaker 4: would give my kid one hundred grand by house with

501
00:22:44,920 --> 00:22:48,600
Speaker 4: a duofist that I don't like. Yeah, honestly, I wouldn't there,

502
00:22:48,760 --> 00:22:51,280
Speaker 4: Like I'd just be like absolutely not, like that's going nowhere,

503
00:22:51,440 --> 00:22:53,280
Speaker 4: Like they probably see a lot in the relationship.

504
00:22:53,280 --> 00:22:54,840
Speaker 2: What do you reckon, Jess? I mean if the shoe

505
00:22:54,880 --> 00:22:56,480
Speaker 2: was on the other foot, And I think I've spoken

506
00:22:56,480 --> 00:22:58,639
Speaker 2: about this before, like if I buy a house and

507
00:22:58,720 --> 00:23:01,639
Speaker 2: my partner lives with me, like I would be putting

508
00:23:01,680 --> 00:23:04,000
Speaker 2: in an agreement if I'm already sat just down back

509
00:23:04,040 --> 00:23:05,480
Speaker 2: and ben like, all right, what are we doing about

510
00:23:05,480 --> 00:23:06,680
Speaker 2: this binding financial agreement?

511
00:23:06,760 --> 00:23:06,960
Speaker 1: Yeah?

512
00:23:07,040 --> 00:23:10,000
Speaker 5: Like, I just think if if the roles were reversed

513
00:23:10,040 --> 00:23:12,080
Speaker 5: in the partner message and say, hey, my parents want

514
00:23:12,080 --> 00:23:13,600
Speaker 5: to give us this money, but I'm not sure, like

515
00:23:13,640 --> 00:23:15,560
Speaker 5: should I put an agreement in place? Like my advice

516
00:23:15,560 --> 00:23:18,639
Speaker 5: would be absolutely, Like I I completely understand why they

517
00:23:18,640 --> 00:23:20,400
Speaker 5: want to do that, and I can see how from

518
00:23:20,480 --> 00:23:23,639
Speaker 5: our listener's perspective, she goes, oh, well, I feel like

519
00:23:23,760 --> 00:23:26,960
Speaker 5: maybe I'm just you know, tacked on or I feel valid. Yeah,

520
00:23:27,000 --> 00:23:29,080
Speaker 5: I understand those feelings, but you have to think about

521
00:23:29,119 --> 00:23:30,720
Speaker 5: I guess from their end is that they're trying to

522
00:23:30,760 --> 00:23:33,280
Speaker 5: make sure that everyone's best interests are protected and that

523
00:23:33,400 --> 00:23:38,119
Speaker 5: everyone's contributions are recognized equitably. So I think that you

524
00:23:38,160 --> 00:23:40,320
Speaker 5: could like, you're absolutely still part of this journey. You're

525
00:23:40,320 --> 00:23:42,040
Speaker 5: going to be on the title, you're going to I assume,

526
00:23:42,119 --> 00:23:45,000
Speaker 5: be contributing to the mortgage or payments and creating the

527
00:23:45,080 --> 00:23:48,359
Speaker 5: home and doing all of those fun things. But from

528
00:23:48,359 --> 00:23:51,160
Speaker 5: my perspective, I guess that agreement is about making sure

529
00:23:51,200 --> 00:23:54,360
Speaker 5: that everyone is looked after should something go wrong touch

530
00:23:54,400 --> 00:23:56,560
Speaker 5: with that, of course it wouldn't, But should anything go wrong,

531
00:23:56,840 --> 00:24:00,000
Speaker 5: you've got a really clear delineation between what everybody's contribute

532
00:24:00,160 --> 00:24:02,760
Speaker 5: it and I guess if you are feeling like you're

533
00:24:02,800 --> 00:24:05,320
Speaker 5: not as involved, maybe talking to your partner about the

534
00:24:05,320 --> 00:24:07,399
Speaker 5: fact that you're feeling a little bit left out and

535
00:24:07,440 --> 00:24:09,800
Speaker 5: making sure that you're super involved in the process of

536
00:24:09,800 --> 00:24:12,399
Speaker 5: touring the houses, or you know, you and your partner

537
00:24:12,440 --> 00:24:14,760
Speaker 5: are sitting down and putting your wish list together and

538
00:24:14,880 --> 00:24:17,399
Speaker 5: that's something that's for you and your partner should do together.

539
00:24:17,800 --> 00:24:19,600
Speaker 5: The parents are really just trying to kind of help

540
00:24:19,640 --> 00:24:21,399
Speaker 5: you along the way. I don't think they're trying to

541
00:24:21,720 --> 00:24:24,120
Speaker 5: jump into bed between you, you know, but.

542
00:24:24,359 --> 00:24:26,400
Speaker 2: I mean it might be nice that's your.

543
00:24:26,320 --> 00:24:29,000
Speaker 4: First if that's what you're into, that's what you're into,

544
00:24:29,240 --> 00:24:32,800
Speaker 4: no judgment if there's consent. But I think the conversation

545
00:24:33,080 --> 00:24:35,520
Speaker 4: for me actually, like if she's not feeling a part

546
00:24:35,520 --> 00:24:36,720
Speaker 4: of it, I think it might be a bit of

547
00:24:36,760 --> 00:24:37,440
Speaker 4: a bigger problem.

548
00:24:37,560 --> 00:24:40,280
Speaker 2: Right, you said, are you touring the houses? Are his

549
00:24:40,440 --> 00:24:43,360
Speaker 2: parents now just getting involved and sending him the properties

550
00:24:43,400 --> 00:24:44,920
Speaker 2: and being like, we think you should buy this one,

551
00:24:45,000 --> 00:24:47,960
Speaker 2: And it's like not your narrative anymore, Like do you

552
00:24:47,960 --> 00:24:50,399
Speaker 2: feel cut out because of that? Like is it just

553
00:24:50,480 --> 00:24:52,480
Speaker 2: the financial side of things? Because if it is just

554
00:24:52,560 --> 00:24:55,040
Speaker 2: the financial side of things, and they've gone, hey, son,

555
00:24:55,160 --> 00:24:57,520
Speaker 2: here's one hundred grand, we want to do X, Y

556
00:24:57,560 --> 00:24:58,560
Speaker 2: and Z for you, and.

557
00:24:58,480 --> 00:25:02,320
Speaker 4: He goes, great, Jessic, let's buy our first home together. Like,

558
00:25:02,400 --> 00:25:04,400
Speaker 4: I think that needs some working through. And I do

559
00:25:04,440 --> 00:25:06,600
Speaker 4: think it's so valid regardless of where it's coming from.

560
00:25:06,680 --> 00:25:09,480
Speaker 4: Someone asking for a financial agreement when you know there's

561
00:25:09,480 --> 00:25:12,199
Speaker 4: big sums of money being thrown around like that is

562
00:25:12,440 --> 00:25:15,080
Speaker 4: very fair. But I can see if that on top

563
00:25:15,119 --> 00:25:17,000
Speaker 4: of already feeling out of the loop, on top of

564
00:25:17,000 --> 00:25:18,960
Speaker 4: you know, maybe not being in the family group chat

565
00:25:19,000 --> 00:25:20,160
Speaker 4: of the properties.

566
00:25:19,720 --> 00:25:21,040
Speaker 5: That are being sent back and forth.

567
00:25:21,200 --> 00:25:23,200
Speaker 2: You know, I can imagine that being quite hard.

568
00:25:23,240 --> 00:25:23,399
Speaker 5: You know.

569
00:25:23,440 --> 00:25:25,320
Speaker 2: You imagine if I was buying a house with Steve

570
00:25:25,560 --> 00:25:28,520
Speaker 2: and his parents were texting him links to go and

571
00:25:28,600 --> 00:25:30,479
Speaker 2: see on the weekend, and then he comes home and says, Oh,

572
00:25:30,480 --> 00:25:32,399
Speaker 2: I'm going to go to this inspection with my dad.

573
00:25:32,600 --> 00:25:35,119
Speaker 4: I'd be like, of what, Like, yeah, I don't feel

574
00:25:35,119 --> 00:25:37,880
Speaker 4: involved in this, and this is my purchase too, because

575
00:25:38,320 --> 00:25:41,639
Speaker 4: even though they're coughing up the cash, the responsibility is

576
00:25:41,680 --> 00:25:44,200
Speaker 4: sitting on your shoulders to pay that mortgage.

577
00:25:44,400 --> 00:25:46,679
Speaker 2: This is your acquisition, not just his.

578
00:25:47,040 --> 00:25:49,440
Speaker 4: So I would yeah, obviously you say'd have a chat

579
00:25:49,440 --> 00:25:51,320
Speaker 4: with your partner, but I think have her sit down

580
00:25:51,359 --> 00:25:53,920
Speaker 4: and think about where you're at first, and like, why

581
00:25:53,960 --> 00:25:56,560
Speaker 4: do you feel this way? What is triggering you to

582
00:25:56,600 --> 00:26:00,640
Speaker 4: feel like this, because importantly we need to work through

583
00:26:00,680 --> 00:26:03,480
Speaker 4: this before you actually get into bed, you could say,

584
00:26:03,920 --> 00:26:06,440
Speaker 4: in a financial way, because that could just harm the

585
00:26:06,520 --> 00:26:09,159
Speaker 4: relationship and we don't want that, especially if you're in

586
00:26:09,200 --> 00:26:11,800
Speaker 4: a happy place where you're talking about buying property together.

587
00:26:11,560 --> 00:26:15,920
Speaker 5: Decide fighting exactly. We're talking about couples this week, aren't we?

588
00:26:15,920 --> 00:26:18,719
Speaker 4: We are talking a lot about girls this week, Jess.

589
00:26:19,000 --> 00:26:21,359
Speaker 4: In fact, one of our dms this week that we

590
00:26:21,400 --> 00:26:24,159
Speaker 4: took to the community was about splitting the bill at dinner.

591
00:26:24,200 --> 00:26:25,680
Speaker 2: Do you want to hear what it had to say?

592
00:26:26,760 --> 00:26:27,240
Speaker 5: All right?

593
00:26:27,320 --> 00:26:29,800
Speaker 4: So this week the DM we received sounded a lot

594
00:26:29,840 --> 00:26:33,000
Speaker 4: like this because I'm reading it verbatim. Hey, she's on

595
00:26:33,040 --> 00:26:36,280
Speaker 4: the money squad. Would love some advice. Every time I

596
00:26:36,320 --> 00:26:38,760
Speaker 4: go out for dinner or drinks with my friends, the

597
00:26:38,800 --> 00:26:41,159
Speaker 4: group always tends to split the bill evenly at the

598
00:26:41,240 --> 00:26:43,200
Speaker 4: end of the night, which I am not a big

599
00:26:43,240 --> 00:26:45,879
Speaker 4: fan of. I'm trying super hard to save at the moment,

600
00:26:45,920 --> 00:26:47,840
Speaker 4: so I'll often order a cheaper.

601
00:26:47,560 --> 00:26:48,480
Speaker 2: Meal on the menu.

602
00:26:48,760 --> 00:26:51,240
Speaker 4: I'm also not a big drinker, so I always order

603
00:26:51,280 --> 00:26:54,000
Speaker 4: less drinks than my friends. I'm finding that I'm always

604
00:26:54,040 --> 00:26:56,520
Speaker 4: spending more when we split the bill evenly versus if

605
00:26:56,520 --> 00:26:58,840
Speaker 4: I just paid for what I had. I don't want

606
00:26:58,840 --> 00:27:01,000
Speaker 4: my friends to think that I'm being stingy, and I

607
00:27:01,000 --> 00:27:04,080
Speaker 4: am a super anti confrontational kind of person, so I

608
00:27:04,160 --> 00:27:06,760
Speaker 4: always just cut along with it. Do you have any

609
00:27:06,800 --> 00:27:09,600
Speaker 4: advice on how I could prevent this from happening again,

610
00:27:09,760 --> 00:27:10,600
Speaker 4: Thank you so much.

611
00:27:10,760 --> 00:27:12,280
Speaker 5: I feel like it's a super common problem.

612
00:27:12,400 --> 00:27:14,480
Speaker 4: I feel like we're having this conversation the other day.

613
00:27:14,520 --> 00:27:17,040
Speaker 4: When are we having this conversation? Wasn't Why does it

614
00:27:17,040 --> 00:27:18,400
Speaker 4: feel so familiar.

615
00:27:18,040 --> 00:27:20,439
Speaker 2: All the time, our producers all the time, when we

616
00:27:20,520 --> 00:27:22,679
Speaker 2: just talk about snacks and drinks and splitting bills all

617
00:27:22,680 --> 00:27:23,040
Speaker 2: the time?

618
00:27:23,240 --> 00:27:24,040
Speaker 5: Favorite us too.

619
00:27:24,280 --> 00:27:27,200
Speaker 4: Yeah, Beck, I know you're not a big drinker. How

620
00:27:27,240 --> 00:27:29,760
Speaker 4: do you approach this if you're going out for dinner

621
00:27:29,760 --> 00:27:31,560
Speaker 4: and drinks with friends and you're like, well, I don't

622
00:27:31,640 --> 00:27:32,399
Speaker 4: drink wine.

623
00:27:32,720 --> 00:27:33,040
Speaker 5: Cool.

624
00:27:33,680 --> 00:27:36,959
Speaker 2: Luckily, with my close friend group, it's always it's just

625
00:27:37,080 --> 00:27:38,760
Speaker 2: I don't have to even mention it, Like we all

626
00:27:38,800 --> 00:27:40,280
Speaker 2: know I don't drink, so I'm not going to be

627
00:27:40,400 --> 00:27:42,440
Speaker 2: We all just kind of like pay what we order.

628
00:27:42,880 --> 00:27:44,760
Speaker 2: Someone pays everything, they get the receipt, and we just

629
00:27:44,760 --> 00:27:47,160
Speaker 2: pay what we order. Blah blah blah. But people I'm

630
00:27:47,160 --> 00:27:49,879
Speaker 2: not super super comfortable with. I always try and make

631
00:27:49,880 --> 00:27:54,760
Speaker 2: it as like less conflict as possible. I don't, I don't.

632
00:27:54,920 --> 00:27:56,680
Speaker 2: I know that doesn't really make sense, but as least

633
00:27:57,000 --> 00:27:58,520
Speaker 2: just no, no, no, that's what we want to hear.

634
00:27:58,600 --> 00:28:01,480
Speaker 2: Like she just said she's an oncommon friend exactly, the

635
00:28:01,520 --> 00:28:03,600
Speaker 2: advice exactly. So what I do is I try and

636
00:28:03,600 --> 00:28:05,399
Speaker 2: make it as joky as possible. So as soon as

637
00:28:05,440 --> 00:28:07,439
Speaker 2: we sit down and be like, I don't want to

638
00:28:07,440 --> 00:28:13,240
Speaker 2: be that guy. Yes, I'll always like self deprecation goes

639
00:28:13,280 --> 00:28:15,159
Speaker 2: a long way when you're trying to be joking. So

640
00:28:15,200 --> 00:28:16,440
Speaker 2: I'll be like, I don't want to be that guy,

641
00:28:16,520 --> 00:28:18,439
Speaker 2: but I'm really broke. So what I'm going to do

642
00:28:18,560 --> 00:28:21,360
Speaker 2: is not order that much and then I'll just pay whatever.

643
00:28:21,720 --> 00:28:24,680
Speaker 2: If that's okay with everyone, And literally all the time people.

644
00:28:24,520 --> 00:28:31,040
Speaker 4: Like, yeah, if you imagine exactly, it's way more possible outcome.

645
00:28:31,200 --> 00:28:33,359
Speaker 2: Oh my gosh, beck, are you okay? That's what we

646
00:28:33,400 --> 00:28:33,800
Speaker 2: want to hear.

647
00:28:35,600 --> 00:28:36,680
Speaker 5: Would be nice.

648
00:28:37,520 --> 00:28:39,680
Speaker 2: It wouldn't turn that down, no, but it's always way

649
00:28:39,720 --> 00:28:42,400
Speaker 2: more awkward at the end of your meal or your

650
00:28:42,640 --> 00:28:46,440
Speaker 2: whatever you're having cocktails or whatever you're doing, if they've

651
00:28:46,520 --> 00:28:50,160
Speaker 2: expected that it will be seat and they've gone ordered

652
00:28:50,200 --> 00:28:52,280
Speaker 2: another thing. Because I think people do that, I feel

653
00:28:52,280 --> 00:28:53,840
Speaker 2: like they're like, oh, it's finally splitting it. I will

654
00:28:53,840 --> 00:29:00,880
Speaker 2: have another cocktail. Rude exactly. Not, So I would say

655
00:29:01,080 --> 00:29:03,440
Speaker 2: get that conversation out of the way. As early as possible,

656
00:29:03,440 --> 00:29:06,040
Speaker 2: even while you're making plans, if you want to be like, hey, yeah,

657
00:29:06,120 --> 00:29:07,920
Speaker 2: let's go here, just so you guys know, I'm kind

658
00:29:07,920 --> 00:29:09,640
Speaker 2: of broke, so I'm not gonna order that much. Let's

659
00:29:09,680 --> 00:29:11,600
Speaker 2: just sort out the bill layer blah blah blah. Yeah,

660
00:29:11,680 --> 00:29:13,160
Speaker 2: but get get that conversation out of the way as

661
00:29:13,160 --> 00:29:14,960
Speaker 2: early as possible. You feel like you're good at having

662
00:29:15,040 --> 00:29:18,640
Speaker 2: those conversations though, thank you, thank you so much, as jokey,

663
00:29:18,840 --> 00:29:22,160
Speaker 2: as self deprecating as possible, so that it's not like,

664
00:29:22,520 --> 00:29:24,040
Speaker 2: you know, conflicting or all the world.

665
00:29:24,480 --> 00:29:25,840
Speaker 5: You know, not that you should have to do that.

666
00:29:26,120 --> 00:29:28,640
Speaker 5: You have to have to minimize yourself.

667
00:29:28,240 --> 00:29:31,160
Speaker 2: Absolutely not, but just if you're feeling it doesn't work

668
00:29:31,200 --> 00:29:34,240
Speaker 2: in our social circle. Whenever there self deprecates, I'm like,

669
00:29:34,280 --> 00:29:36,240
Speaker 2: can you not that's true? You guys, I'm always like,

670
00:29:36,800 --> 00:29:39,600
Speaker 2: are you done? Because that's not okay? And then you go,

671
00:29:39,680 --> 00:29:46,320
Speaker 2: oh damn. I think and I've said this before on

672
00:29:46,360 --> 00:29:50,360
Speaker 2: the podcast, like we could be really clear and go yeah, cool, Well, Jessica,

673
00:29:50,360 --> 00:29:51,960
Speaker 2: you should walk in and just tell your friends that

674
00:29:52,000 --> 00:29:53,440
Speaker 2: they need to respect you.

675
00:29:53,480 --> 00:29:55,680
Speaker 4: No one's gonna do that, Like I want a non

676
00:29:55,880 --> 00:29:59,080
Speaker 4: I'm not a confrontational person, like I don't want to

677
00:29:59,120 --> 00:30:01,480
Speaker 4: walk in and be a agressive about something, even though

678
00:30:01,520 --> 00:30:03,200
Speaker 4: you're right, like I do deserve that, and there are

679
00:30:03,200 --> 00:30:05,440
Speaker 4: some people that that works really well for. But I

680
00:30:05,480 --> 00:30:08,400
Speaker 4: think it's these softer ways of approaching things, even if

681
00:30:08,440 --> 00:30:10,680
Speaker 4: it means, you know, being a little bit self deprecating,

682
00:30:10,680 --> 00:30:13,320
Speaker 4: if you're like, that's the thing that makes me feel

683
00:30:13,640 --> 00:30:15,840
Speaker 4: confident enough to ask for what I need. Like, I

684
00:30:15,880 --> 00:30:17,160
Speaker 4: think that we should give that a little bit of

685
00:30:17,200 --> 00:30:19,280
Speaker 4: credit to sometimes even though I'm like, you shouldn't do

686
00:30:19,320 --> 00:30:22,320
Speaker 4: that totally if it makes like if it makes you comfy,

687
00:30:22,400 --> 00:30:24,400
Speaker 4: like sometimes we just do things that make ourselves a

688
00:30:24,400 --> 00:30:26,440
Speaker 4: little bit more comfy totally.

689
00:30:26,040 --> 00:30:28,200
Speaker 2: Jess, what would you do? How do you do it

690
00:30:28,240 --> 00:30:28,680
Speaker 2: at dinner?

691
00:30:28,840 --> 00:30:32,000
Speaker 5: I mean, I think we don't even have to do

692
00:30:32,040 --> 00:30:34,880
Speaker 5: it because I hang out with effectively two groups of friends.

693
00:30:35,040 --> 00:30:36,880
Speaker 5: You guys are my other grad friends.

694
00:30:36,920 --> 00:30:39,440
Speaker 2: Like we've just kind of like got our team and

695
00:30:39,520 --> 00:30:42,120
Speaker 2: mean like we're our friends now yeah, now kiss one.

696
00:30:42,880 --> 00:30:45,400
Speaker 5: But I think the interesting thing is is once you

697
00:30:45,760 --> 00:30:49,280
Speaker 5: establish a precedent, once you have that conversation once, I

698
00:30:49,320 --> 00:30:50,840
Speaker 5: don't think you ever have to have it in because

699
00:30:50,840 --> 00:30:52,280
Speaker 5: when I reflect on how we do it in our

700
00:30:52,280 --> 00:30:54,680
Speaker 5: friend group. If we go out to dinner a lot

701
00:30:54,720 --> 00:30:56,560
Speaker 5: of the time we will kind of split it evenly

702
00:30:56,880 --> 00:30:59,640
Speaker 5: unless there is someone like we have one friend who's

703
00:30:59,640 --> 00:31:03,240
Speaker 5: currently doing the fodmap thing and so he's having real

704
00:31:03,280 --> 00:31:06,440
Speaker 5: specific food, he's not drinking alcohol, Like it's very, very particular.

705
00:31:06,800 --> 00:31:08,120
Speaker 5: And so when we all went out to dinner that

706
00:31:08,160 --> 00:31:10,320
Speaker 5: like that long ago, we said, okay, cool, so like

707
00:31:10,360 --> 00:31:12,200
Speaker 5: the six of us, we're all going to share plates.

708
00:31:12,240 --> 00:31:15,040
Speaker 5: Everyone's gonna you know, bit CPC. We all good to

709
00:31:15,040 --> 00:31:17,880
Speaker 5: split it. Yeah cool, you sean you to your own

710
00:31:18,280 --> 00:31:20,760
Speaker 5: and we just took it off the top. And once

711
00:31:20,840 --> 00:31:22,959
Speaker 5: we've done that once, that's just how it always is. Yea,

712
00:31:23,040 --> 00:31:24,800
Speaker 5: And you can set the precedent. Yeah, Or if someone's

713
00:31:24,840 --> 00:31:28,880
Speaker 5: pregnant and they're not drinking, because that exactly right, then

714
00:31:28,920 --> 00:31:32,440
Speaker 5: you kind of I think you just automatically consider that

715
00:31:32,560 --> 00:31:34,640
Speaker 5: because you've done it before. So I think once you've

716
00:31:34,680 --> 00:31:37,040
Speaker 5: had that conversation that Beck was saying once or twice

717
00:31:37,040 --> 00:31:40,440
Speaker 5: and you've made that point, it kind of theoretically just

718
00:31:40,480 --> 00:31:42,960
Speaker 5: becomes a second nature. Like you just have to establish

719
00:31:43,000 --> 00:31:46,400
Speaker 5: the parameters, like hey, do we all pay for ourselves always?

720
00:31:46,480 --> 00:31:48,959
Speaker 5: Or hey do one or two people consume less, and

721
00:31:49,000 --> 00:31:51,360
Speaker 5: therefore should we just make sure that we're always knocking

722
00:31:51,360 --> 00:31:53,800
Speaker 5: theirs off the top first and then splitting. So it's

723
00:31:53,840 --> 00:31:55,720
Speaker 5: I think once you get over that hump, it probably

724
00:31:55,720 --> 00:31:56,719
Speaker 5: also gets a lot easier.

725
00:31:56,920 --> 00:32:00,840
Speaker 2: Yeah. I think for this particular question, they say, every

726
00:32:00,840 --> 00:32:02,680
Speaker 2: time I go out, we just split it evenly, Like,

727
00:32:02,800 --> 00:32:03,880
Speaker 2: how do we change that?

728
00:32:04,200 --> 00:32:05,800
Speaker 5: You got togae something to change something?

729
00:32:05,880 --> 00:32:07,720
Speaker 4: Yeah, exactly, you've just got to put your head out,

730
00:32:07,760 --> 00:32:09,680
Speaker 4: and you know what, I reckon that you're not the

731
00:32:09,720 --> 00:32:11,880
Speaker 4: only person thinking that I was gonna see you can't

732
00:32:11,920 --> 00:32:14,120
Speaker 4: be the only one at the table if that's the case,

733
00:32:14,200 --> 00:32:15,840
Speaker 4: in which case I'd just get on the front foot,

734
00:32:16,200 --> 00:32:18,840
Speaker 4: not like front foot like you beck where you're saying

735
00:32:18,920 --> 00:32:21,640
Speaker 4: it upfront. I would be like, oh, let's get the

736
00:32:21,640 --> 00:32:23,560
Speaker 4: bill and I can work out what everybody owes and

737
00:32:23,600 --> 00:32:26,360
Speaker 4: like kind of take control of the conversation and be like,

738
00:32:26,520 --> 00:32:28,520
Speaker 4: oh my gosh, it would be so unfair because Jess

739
00:32:28,560 --> 00:32:30,920
Speaker 4: only had one cocktail and kind of just try and

740
00:32:31,000 --> 00:32:33,800
Speaker 4: put it in a position where you're the one asking

741
00:32:33,840 --> 00:32:36,080
Speaker 4: for the bill, like, oh, hey, let's grab the bill

742
00:32:36,120 --> 00:32:38,440
Speaker 4: so we can all work out what we owe And

743
00:32:38,480 --> 00:32:41,400
Speaker 4: then if somebody says, oh, we'll just split it evenly. Go, oh,

744
00:32:41,400 --> 00:32:43,880
Speaker 4: that's not the fairest way, though, because like, what are

745
00:32:43,880 --> 00:32:45,800
Speaker 4: they going to do argue with you when you say

746
00:32:45,800 --> 00:32:48,560
Speaker 4: that's not the fairest way, Whereas it's from my perspective

747
00:32:48,560 --> 00:32:50,600
Speaker 4: a lot harder. Once they're like, oh, we'll just split

748
00:32:50,640 --> 00:32:52,400
Speaker 4: it evenly, and everyone's like nodding, and you're like, I

749
00:32:52,440 --> 00:32:52,960
Speaker 4: don't want to.

750
00:32:52,880 --> 00:32:55,000
Speaker 2: Be like, don't want to be that guy. I don't

751
00:32:55,000 --> 00:32:57,200
Speaker 2: want to be that guy. Don't want to be that guy.

752
00:32:57,400 --> 00:32:59,959
Speaker 4: But I think if you put yourself in they're like

753
00:33:00,040 --> 00:33:01,880
Speaker 4: control seat of like, oh, let's work out what we

754
00:33:01,960 --> 00:33:04,400
Speaker 4: all are. I'll get my calculator up out, like you

755
00:33:04,560 --> 00:33:07,520
Speaker 4: can be the instigator in a way, sure of that,

756
00:33:07,560 --> 00:33:08,960
Speaker 4: And then you know what, other people are going to go,

757
00:33:09,040 --> 00:33:10,720
Speaker 4: oh great, I don't have to do the maths of it,

758
00:33:10,760 --> 00:33:12,480
Speaker 4: because there are going to be people sitting at that

759
00:33:12,520 --> 00:33:16,440
Speaker 4: table who are in the financially comfortable position where they're like,

760
00:33:16,840 --> 00:33:19,400
Speaker 4: doesn't worry me if we split it evenly, doesn't worry

761
00:33:19,440 --> 00:33:22,960
Speaker 4: me if we do it you know individually, I can't

762
00:33:22,960 --> 00:33:24,000
Speaker 4: be bothered working it out.

763
00:33:24,120 --> 00:33:25,440
Speaker 2: Someone just tell me what I owe?

764
00:33:25,680 --> 00:33:28,000
Speaker 4: Yeah, And like I have been guilty of that, like

765
00:33:28,120 --> 00:33:31,080
Speaker 4: I have definitely been guilty where you know, I'll be like,

766
00:33:31,160 --> 00:33:33,560
Speaker 4: that's fine, Like I'll pay whatever you want, like after

767
00:33:33,560 --> 00:33:36,400
Speaker 4: two wines, Like I'm not that interested in whipping out

768
00:33:36,440 --> 00:33:39,000
Speaker 4: my calculator up and working it out, so I'll just

769
00:33:39,000 --> 00:33:40,040
Speaker 4: be like, Yep, you guys.

770
00:33:39,800 --> 00:33:41,680
Speaker 2: Tell me what we're doing, and that's fine, and that's

771
00:33:41,720 --> 00:33:44,280
Speaker 2: not the best way to be, but you know, it's

772
00:33:44,280 --> 00:33:46,880
Speaker 2: all own up to our our failures, but that's okay.

773
00:33:47,120 --> 00:33:49,320
Speaker 5: Did anyone else have suggestions on how you can handle us?

774
00:33:49,360 --> 00:33:50,160
Speaker 2: So many suggestions.

775
00:33:50,200 --> 00:33:52,320
Speaker 4: Before we get to suggestions, though, we did ask a

776
00:33:52,320 --> 00:33:55,720
Speaker 4: few questions. We said, how does your friend group split

777
00:33:55,760 --> 00:33:58,160
Speaker 4: the bill on a night out? Twenty nine percent of

778
00:33:58,200 --> 00:34:01,000
Speaker 4: you said you split evenly, and eventy one percent of

779
00:34:01,040 --> 00:34:03,600
Speaker 4: you said you just pay for what you ordered individually.

780
00:34:03,640 --> 00:34:06,560
Speaker 2: So that's good. Yeah, but we're all savvy finance queens,

781
00:34:06,560 --> 00:34:08,279
Speaker 2: so I don't reckon that's the norm. I reckon that's

782
00:34:08,280 --> 00:34:10,080
Speaker 2: just the shees on the money community, because I've got

783
00:34:10,120 --> 00:34:11,880
Speaker 2: tickets on them being good.

784
00:34:12,239 --> 00:34:12,560
Speaker 3: Agreed.

785
00:34:12,760 --> 00:34:15,240
Speaker 2: We said, if you split it evenly, are you happy

786
00:34:15,280 --> 00:34:18,080
Speaker 2: to do this? Thirty nine percent of you said, yep,

787
00:34:18,080 --> 00:34:20,640
Speaker 2: it's actually just the easiest way sixty one percent of

788
00:34:20,680 --> 00:34:22,880
Speaker 2: you said not not really, but I just go along

789
00:34:22,920 --> 00:34:23,160
Speaker 2: with it.

790
00:34:23,640 --> 00:34:23,920
Speaker 5: Yeah, I.

791
00:34:25,520 --> 00:34:26,160
Speaker 2: Relatable.

792
00:34:26,600 --> 00:34:28,640
Speaker 4: We said, do you think you would spend less money

793
00:34:28,640 --> 00:34:31,080
Speaker 4: if you paid for only what you ordered?

794
00:34:31,680 --> 00:34:35,879
Speaker 2: Sixty seven percent of you said, yeah, oh is that bad?

795
00:34:36,120 --> 00:34:40,239
Speaker 2: That is bad. So there's always someone just going a

796
00:34:40,320 --> 00:34:43,640
Speaker 2: dragon drinks. There's always one. I'm thinking, there's always one.

797
00:34:44,160 --> 00:34:45,000
Speaker 5: There's always one.

798
00:34:45,120 --> 00:34:47,759
Speaker 2: It'd be so boring going out for dinner nowadays with us.

799
00:34:47,840 --> 00:34:50,399
Speaker 4: You don't drink. I can't drink. Jess is a one

800
00:34:50,440 --> 00:34:53,120
Speaker 4: and done kind of girly. Oh yeh, would'd be fine?

801
00:34:53,280 --> 00:34:56,319
Speaker 2: Cheat you get silly, Yeah, like we get. You've heard

802
00:34:56,360 --> 00:34:58,799
Speaker 2: us on the podcast. None of us really drink, and

803
00:34:58,880 --> 00:35:02,080
Speaker 2: that's how silly we are, exactly, like, that's how do

804
00:35:02,120 --> 00:35:05,080
Speaker 2: you know what actually? Complete side notes. I was pregnant

805
00:35:05,080 --> 00:35:09,000
Speaker 2: at my my Barbie Themes birthday and the amount of

806
00:35:09,000 --> 00:35:12,000
Speaker 2: people that you know, after my birthday, I was announcing

807
00:35:12,000 --> 00:35:14,040
Speaker 2: that I was pregnant, you know, told my friends They're like,

808
00:35:14,440 --> 00:35:16,319
Speaker 2: you were drinking at your birthday. I was like, no,

809
00:35:16,360 --> 00:35:18,200
Speaker 2: Badbell was high on life, like I did not have

810
00:35:18,320 --> 00:35:22,120
Speaker 2: one drink. I in fact, had mocktails all night. I

811
00:35:22,200 --> 00:35:24,960
Speaker 2: was just vibing and they're like, oh, okay, I'm like

812
00:35:27,120 --> 00:35:28,279
Speaker 2: the bar stuff worrying on it.

813
00:35:28,160 --> 00:35:29,400
Speaker 5: It was pocastery.

814
00:35:29,680 --> 00:35:32,160
Speaker 2: Wow, I was had some fake champagne going so I

815
00:35:32,200 --> 00:35:34,799
Speaker 2: could hold it in photos and everybody knew true. I

816
00:35:34,840 --> 00:35:37,360
Speaker 2: just wasn't ready to share it. Okay, Yeah, that's okay,

817
00:35:37,440 --> 00:35:40,279
Speaker 2: all right. So back to the question. This is what

818
00:35:40,320 --> 00:35:43,520
Speaker 2: the community had to say. Lots of responses on this one.

819
00:35:43,920 --> 00:35:46,439
Speaker 4: So someone said, try and choose places where you pay

820
00:35:46,480 --> 00:35:50,759
Speaker 4: when you order or are still using a QR code system.

821
00:35:50,560 --> 00:35:54,920
Speaker 5: You are coded savior. It gets rid of the awkward

822
00:35:54,960 --> 00:35:56,640
Speaker 5: thing like everyone just whip out your phone. Right, we

823
00:35:56,800 --> 00:35:58,600
Speaker 5: were going to fonder literally done.

824
00:35:58,960 --> 00:36:01,279
Speaker 4: I reckon I could how to deal with Jess where

825
00:36:01,280 --> 00:36:02,839
Speaker 4: if I said, every time we go out for dinner

826
00:36:02,920 --> 00:36:04,560
Speaker 4: or lunch in the future, it'll always be it fun,

827
00:36:04,680 --> 00:36:07,120
Speaker 4: she'd agree to it. Yeah, not because of QR code.

828
00:36:07,200 --> 00:36:12,040
Speaker 4: She just really likes that she can read over. Someone

829
00:36:12,120 --> 00:36:14,759
Speaker 4: else said, it's really related to age and live stage.

830
00:36:14,920 --> 00:36:18,520
Speaker 4: As we've gotten older and have higher disposable income, the

831
00:36:18,640 --> 00:36:21,480
Speaker 4: less issue we have with splitting. Yeah, like you said,

832
00:36:21,520 --> 00:36:23,800
Speaker 4: I'm actually finding that to be very true.

833
00:36:24,120 --> 00:36:25,800
Speaker 2: It's interesting now that I'm in my thirties.

834
00:36:25,880 --> 00:36:28,799
Speaker 4: Guys, and you know, it's no longer us just going

835
00:36:28,800 --> 00:36:31,520
Speaker 4: out for like UNI lunches or you know, dinner with

836
00:36:31,600 --> 00:36:34,960
Speaker 4: friends at reasonable places. Like I have expensive taste, and

837
00:36:35,040 --> 00:36:37,120
Speaker 4: sometimes I really want to go out for like, you know,

838
00:36:37,239 --> 00:36:40,560
Speaker 4: my husband's birthday and to spend a really nice amount

839
00:36:40,680 --> 00:36:43,440
Speaker 4: on dinner. We do definitely budget in in like he

840
00:36:43,520 --> 00:36:46,880
Speaker 4: does not get any uber eats that week. But I

841
00:36:46,920 --> 00:36:50,399
Speaker 4: find the more expensive the restaurant, the more likely I

842
00:36:50,480 --> 00:36:53,560
Speaker 4: am to with another couple just split it met because

843
00:36:53,560 --> 00:36:56,080
Speaker 4: you end up like ordering a bottle of wine together

844
00:36:56,520 --> 00:36:59,120
Speaker 4: and the meals are all kind of comparable, and it

845
00:36:59,239 --> 00:37:01,560
Speaker 4: just becomes a bit of an issue.

846
00:37:01,600 --> 00:37:03,560
Speaker 2: I would say to kind of go, all right, well

847
00:37:03,600 --> 00:37:05,319
Speaker 2: did you have this? And I had that? And like,

848
00:37:06,040 --> 00:37:08,560
Speaker 2: I think, the more expensive the restaurant, the less likely

849
00:37:08,640 --> 00:37:11,120
Speaker 2: you are to split it item by item. Sure, because

850
00:37:11,120 --> 00:37:13,600
Speaker 2: if you're concerned about saving you're probably not not going

851
00:37:13,680 --> 00:37:17,160
Speaker 2: to Mathilda onto Main Road. Yeah, yeah, yeah, no, it's true.

852
00:37:17,160 --> 00:37:20,399
Speaker 4: But it's interesting because that's when you probably should be

853
00:37:20,440 --> 00:37:22,759
Speaker 4: a little bit more cautious because of lifestyle creep and

854
00:37:22,840 --> 00:37:26,520
Speaker 4: things getting away from you. And yeah, I just totally reflecting.

855
00:37:26,560 --> 00:37:29,480
Speaker 4: That's interesting. Someone said I have in the past just

856
00:37:29,520 --> 00:37:31,759
Speaker 4: handed over cash towards the bill and said, hey, this

857
00:37:31,800 --> 00:37:33,000
Speaker 4: amount covers my meal.

858
00:37:34,200 --> 00:37:35,480
Speaker 5: I feel like that's a smart way to do it.

859
00:37:35,480 --> 00:37:36,040
Speaker 5: Pretty good.

860
00:37:36,400 --> 00:37:38,439
Speaker 4: I feel like it's a good way, but it might

861
00:37:38,760 --> 00:37:43,880
Speaker 4: make you a bit like, I don't know, well, what

862
00:37:43,920 --> 00:37:46,680
Speaker 4: if you have the right cash, you might have to

863
00:37:46,719 --> 00:37:51,000
Speaker 4: like go and research the meals beforehand, like if everybody

864
00:37:51,000 --> 00:37:53,200
Speaker 4: else was expecting to split it and then it does it.

865
00:37:53,360 --> 00:37:53,759
Speaker 2: I don't know.

866
00:37:53,840 --> 00:37:56,600
Speaker 4: I feel like that's a good one because it's definitely

867
00:37:56,680 --> 00:37:59,680
Speaker 4: putting it in control. But I think, yeah, that might

868
00:37:59,719 --> 00:38:01,480
Speaker 4: be a little bit harder because I'd hate for them

869
00:38:01,520 --> 00:38:03,000
Speaker 4: to turn around and be like, oh, Beck, like we're

870
00:38:03,040 --> 00:38:05,600
Speaker 4: splitting it evenly, it's an extra ten bucks, and you go, well,

871
00:38:05,640 --> 00:38:06,399
Speaker 4: I don't have it.

872
00:38:06,640 --> 00:38:07,840
Speaker 2: Yeah, yeah, true.

873
00:38:08,000 --> 00:38:11,400
Speaker 4: I just don't want an awkward situation to arise next.

874
00:38:11,520 --> 00:38:13,759
Speaker 4: Someone said, just check with the waiter if you can

875
00:38:13,800 --> 00:38:18,120
Speaker 4: pay separately before they order. It often helps to manage expectations.

876
00:38:17,960 --> 00:38:19,359
Speaker 4: That's a good idea.

877
00:38:19,360 --> 00:38:21,880
Speaker 2: It's very good. That's very good. Someone else said.

878
00:38:22,120 --> 00:38:23,960
Speaker 4: Sometimes I say, at the start of the meal, I'm

879
00:38:23,960 --> 00:38:26,719
Speaker 4: going to splurge and order X y Z tonight, So

880
00:38:27,000 --> 00:38:29,600
Speaker 4: let's check with the waiter and see if they can

881
00:38:29,640 --> 00:38:30,319
Speaker 4: split the bill.

882
00:38:30,840 --> 00:38:32,319
Speaker 2: Yeah, that's a good idea.

883
00:38:33,320 --> 00:38:33,799
Speaker 5: I like that.

884
00:38:33,880 --> 00:38:38,880
Speaker 2: It's like yours. Yeah, okay, Beck is going to be

885
00:38:38,960 --> 00:38:41,799
Speaker 2: more positive this year. I can feel it in my bones. Yeah,

886
00:38:41,960 --> 00:38:45,480
Speaker 2: I can feel it too, right. Someone said it's especially

887
00:38:45,560 --> 00:38:48,080
Speaker 2: unfair for those who don't drink. It reminds me of

888
00:38:48,120 --> 00:38:51,360
Speaker 2: that Friends episode if you know, you know, never watched.

889
00:38:51,680 --> 00:38:55,520
Speaker 2: I definitely know what she's talking about. It's a Seinfeld

890
00:38:55,520 --> 00:39:02,799
Speaker 2: girly I oh, no, one said that. Someone said, you

891
00:39:02,840 --> 00:39:04,520
Speaker 2: know what, you should be able to talk to your

892
00:39:04,520 --> 00:39:10,200
Speaker 2: friends in an open conversation about money. True. Ideally friends

893
00:39:10,520 --> 00:39:14,160
Speaker 2: be friends. That's true exactly. Someone said it really depends

894
00:39:14,160 --> 00:39:15,200
Speaker 2: if you shared meals or not.

895
00:39:15,320 --> 00:39:15,640
Speaker 5: Ah.

896
00:39:15,719 --> 00:39:18,600
Speaker 2: Yes, if you're at one of those tapasy kind of restaurants,

897
00:39:18,640 --> 00:39:21,200
Speaker 2: we like, do what Jess was saying before, We have

898
00:39:21,239 --> 00:39:25,640
Speaker 2: little bits of everything, do you Yeah, my favorite way.

899
00:39:25,840 --> 00:39:28,239
Speaker 2: I know everyone loves them, but I just like, if

900
00:39:28,280 --> 00:39:30,080
Speaker 2: I'd like the taste of something, I want a whole

901
00:39:30,160 --> 00:39:30,680
Speaker 2: plate of it.

902
00:39:30,840 --> 00:39:34,759
Speaker 5: Be fussy, fussy, you do not really, I don't think.

903
00:39:35,200 --> 00:39:37,799
Speaker 2: I also, I just don't like the idea that like,

904
00:39:38,080 --> 00:39:40,120
Speaker 2: if there's a shrimp or I don't I call it

905
00:39:40,160 --> 00:39:42,239
Speaker 2: a shrimp a prawn, that I like in like a

906
00:39:42,239 --> 00:39:44,520
Speaker 2: plate of maybe you get five prawns, for example, you're

907
00:39:44,520 --> 00:39:46,799
Speaker 2: eating with five people. If you like the taste of

908
00:39:46,800 --> 00:39:48,319
Speaker 2: it so much, that's it.

909
00:39:48,920 --> 00:39:50,279
Speaker 5: You're done after the one.

910
00:39:50,480 --> 00:39:52,040
Speaker 2: I don't like it. I don't like it.

911
00:39:52,080 --> 00:39:55,120
Speaker 4: Okay, So this is where jess and I really like

912
00:39:55,200 --> 00:39:58,520
Speaker 4: duning it Chinchin. What do we do with the entrees

913
00:39:58,560 --> 00:40:00,960
Speaker 4: that we like the most? Yess we just order like

914
00:40:01,000 --> 00:40:01,600
Speaker 4: double of them.

915
00:40:03,280 --> 00:40:05,960
Speaker 2: Okay, that's not a bad idea. Actually it was so

916
00:40:06,080 --> 00:40:07,799
Speaker 2: nice we bought it twice.

917
00:40:08,600 --> 00:40:10,799
Speaker 4: But there's yeah, there's one no tree at Chincin where

918
00:40:10,800 --> 00:40:14,160
Speaker 4: I'm not like we can share everything, Jessica, but you

919
00:40:14,200 --> 00:40:15,960
Speaker 4: will be getting your own one if these do not

920
00:40:16,239 --> 00:40:17,000
Speaker 4: touch mine.

921
00:40:17,280 --> 00:40:19,319
Speaker 2: Yes, yes, yes, yes, that's exactly right.

922
00:40:19,360 --> 00:40:20,040
Speaker 5: Don't touch it.

923
00:40:20,040 --> 00:40:20,760
Speaker 2: It's not happening.

924
00:40:20,880 --> 00:40:21,160
Speaker 5: No.

925
00:40:21,840 --> 00:40:23,120
Speaker 2: Not good at sharing though.

926
00:40:23,040 --> 00:40:24,480
Speaker 5: So yes, exactly.

927
00:40:27,440 --> 00:40:29,160
Speaker 4: A lot of the other I won't go too far

928
00:40:29,200 --> 00:40:31,880
Speaker 4: into them, because honestly, there were hundreds of responses, but

929
00:40:32,040 --> 00:40:35,360
Speaker 4: lots of the conversation was really about please communicate with

930
00:40:35,440 --> 00:40:39,480
Speaker 4: your friends about setting expectations. In fact, something might come

931
00:40:39,560 --> 00:40:41,880
Speaker 4: up where they suggest you don't even go out at

932
00:40:41,880 --> 00:40:44,000
Speaker 4: all and you all save money by having a few

933
00:40:44,000 --> 00:40:47,200
Speaker 4: more dinner parties at home, which I think is brilliant

934
00:40:47,280 --> 00:40:49,600
Speaker 4: and quite smart, and to be honest, very she's on

935
00:40:49,640 --> 00:40:52,880
Speaker 4: the money. I feel like at this point in this economy,

936
00:40:52,960 --> 00:40:57,040
Speaker 4: Jessica Rici, Yeah, in this economy, we can't actually afford

937
00:40:57,080 --> 00:41:01,040
Speaker 4: to be always dining out and just having open on conversations.

938
00:41:01,320 --> 00:41:03,120
Speaker 4: They're going to make everybody at the table feel so

939
00:41:03,239 --> 00:41:05,200
Speaker 4: much more confident, so much more comfortable.

940
00:41:05,360 --> 00:41:07,560
Speaker 2: Like, oh, I went to one of make girlfriends the

941
00:41:07,640 --> 00:41:07,920
Speaker 2: other day.

942
00:41:07,960 --> 00:41:10,439
Speaker 4: She's recently had a baby, and I made sandwiches before

943
00:41:10,480 --> 00:41:14,399
Speaker 4: I went like, sandwiches yep.

944
00:41:15,800 --> 00:41:17,800
Speaker 2: Love that had some lemonade on her balcony.

945
00:41:18,239 --> 00:41:19,919
Speaker 5: Yeah, so fun.

946
00:41:20,280 --> 00:41:22,000
Speaker 4: But like, I think we need to remember why you're

947
00:41:22,000 --> 00:41:23,680
Speaker 4: catching up with these people in the first place. I

948
00:41:23,880 --> 00:41:26,800
Speaker 4: promise it's not because you are worried about splitting a prawn.

949
00:41:27,040 --> 00:41:31,759
Speaker 2: Yeah, I'm worried. Next time we're out for dinner, let

950
00:41:31,840 --> 00:41:33,200
Speaker 2: Beck have the X, you can have all the prime.

951
00:41:33,280 --> 00:41:35,920
Speaker 5: Thank you so much, Thank you.

952
00:41:36,160 --> 00:41:38,440
Speaker 4: All right, well, I think that is unfortunately all we

953
00:41:38,520 --> 00:41:41,360
Speaker 4: have time for this week. As always, we wish you

954
00:41:41,440 --> 00:41:43,719
Speaker 4: the best weekend and we cannot wait to.

955
00:41:43,719 --> 00:41:45,840
Speaker 2: See you on Monday for our money diary. Bright and

956
00:41:45,880 --> 00:41:47,400
Speaker 2: early bye guys.

957
00:41:47,160 --> 00:41:56,120
Speaker 4: Bye, The advice shared on Cheese on the Money is

958
00:41:56,200 --> 00:41:59,760
Speaker 4: generally in nature and does not consider your individual circumstances.

959
00:42:00,160 --> 00:42:03,560
Speaker 4: She's on the Money exists purely for educational purposes and

960
00:42:03,600 --> 00:42:06,000
Speaker 4: should not be relied upon to make an investment or

961
00:42:06,120 --> 00:42:09,720
Speaker 4: financial decision. If you do choose to buy a financial product,

962
00:42:09,760 --> 00:42:13,760
Speaker 4: read the PDS TMD and obtain appropriate financial advice tailored

963
00:42:13,800 --> 00:42:17,200
Speaker 4: towards your needs. Victoria Divine and She's on the Money

964
00:42:17,280 --> 00:42:21,840
Speaker 4: are authorized representatives of money Sherpa Pty Ltd a BN

965
00:42:22,000 --> 00:42:25,120
Speaker 4: three two one six four nine two seven seven zero

966
00:42:25,280 --> 00:42:30,520
Speaker 4: eight AFSL four five one two eight nine