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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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

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Speaker 4: Millennials who want financial Freedom. Today, my friends, it is Friday,

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Speaker 4: which means it would be time to get the team together,

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Speaker 4: but Jessica is still in Japan living her best life.

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Speaker 4: But it's time for Beck and I to celebrate you,

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Speaker 4: our incredible She's on the Money community. Today we're going

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Speaker 4: to be sharing our favorite money wins. We're going to

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Speaker 4: be helping to answer a juicy money dilemma, which this

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Speaker 4: week is all about protecting yourself and your investment when

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Speaker 4: you purchase a property with your partner, but your deposit

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Speaker 4: amounts aren't equal. It's very specific, and we're going to

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Speaker 4: be unpacking something that you slid into our DMS about.

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Speaker 4: And this week we're talking what do you do when

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Speaker 4: you've been gifted a gift foucher but you can't afford

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Speaker 4: to use it? Ah, I feel like this one had

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Speaker 4: some really good responses from the community and I'm looking

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Speaker 4: forward to it. But before we get there, beck Hi,

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Speaker 4: it's just you and me bad I know, this is

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Speaker 4: so interesting. We're just hanging out, having a cup of tea,

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Speaker 4: doing a little potty record.

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Speaker 2: How's your week being?

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Speaker 5: My week has been very, very nice, very chill, picking

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Speaker 5: up a little bit, which is good because I make

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Speaker 5: it work hard, and you're going to make me work hard. Yeah,

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Speaker 5: I'll have im paster syndrome every single day of the week.

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Speaker 2: No, not you, not me, not me.

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Speaker 6: Nobody's really good.

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Speaker 2: And you know, just the sun's been out and it's

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Speaker 2: just been hasn't it been? Literally the best?

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Speaker 6: Like the best?

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Speaker 4: This is obviously dropping on Friday. Today's weather stunning stunning.

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Speaker 4: The weekend stunning. That's a long weekend. This weekend stunning.

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Speaker 4: I mean you're going to enjoy the long weekend. But

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Speaker 4: I am actually as we speak back, I mean Brisbane.

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Speaker 4: I'm not actually because we recorded this the day before

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Speaker 4: I left.

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Speaker 2: But I'm in Brisbane. Oh crazy, what are you doing that?

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Speaker 2: Oh my gosh, it's so exciting.

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Speaker 4: We're running out very first health and Wealth event with

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Speaker 4: our friends at LSKD where we're doing like a full

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Speaker 4: like health session, like a workout, kind of like have

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Speaker 4: some smoothies, have some health food, and then we're doing

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Speaker 4: like a wealth event where I then tell you how

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Speaker 4: to take.

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Speaker 2: Care of your money. That's signing it goes so well together.

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Speaker 4: So we're only doing one of them, and it's in

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Speaker 4: Brisbane at the moment, but if all goes well today,

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Speaker 4: my friends will be rolling out a few more of

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Speaker 4: them because I think they'll be popular.

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Speaker 6: Yes, do you want to Melbourne?

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Speaker 2: I will. If it goes well. It doesn't go so.

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Speaker 4: Well, I'll be like, oh yeah, haha, we don't have

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Speaker 4: the capacity.

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Speaker 6: True, maybe we'll never speak of it ever again.

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Speaker 2: I'll be like, I don't know what you're talking about.

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Speaker 4: But also, like the health and Wealth event, ye, like

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Speaker 4: those two words go really well together.

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Speaker 5: That's true, So it almost has to be done just

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Speaker 5: so you can think up clean exactly.

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Speaker 4: Been good, Yeah, it's been very good. I'm less nauseous.

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Speaker 4: That's good, which is stunning.

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Speaker 2: Get this, I can eat food and it doesn't come

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Speaker 2: back up.

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Speaker 4: Oh that this week only, this week only. I don't

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Speaker 4: know how long it's gonna last. We're not gonna like

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Speaker 4: jinx it knock on wood, all of those things.

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Speaker 2: But that's the best.

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Speaker 6: That's so exciting me.

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Speaker 4: I'm very excited to do so, Like I'm excited to

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Speaker 4: now go on a plane. I was terrified to go

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Speaker 4: on a plane because that could have been a very

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Speaker 4: awkward trip for not just me, everybody else involve.

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Speaker 5: There's nothing more than when not you, but someone in

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Speaker 5: your either your bus or your train or your plane

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Speaker 5: is not nauseated, and unfortunately have to see that.

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Speaker 2: It keeps me anxiety as well.

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Speaker 4: I mean, like if you've ever been pregnant, you know

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Speaker 4: it's not just nausea. It's like consistent gagging. So I

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Speaker 4: just sound like I'm going to be sick every two

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Speaker 4: seconds exactly, you know exactly what it's like, Like I

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Speaker 4: cannot wait. I know what's happening. Because Brooke is she's

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Speaker 4: the best video producer in the entire world hired by

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Speaker 4: She's on the money because you're also a video producer.

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Speaker 4: And I wouldn't want you to feel like I don't respond,

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Speaker 4: but I do.

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Speaker 2: That's very nice.

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Speaker 4: She's real mean sometimes, and I know she's been collecting

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Speaker 4: over the last few months all of those like little

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Speaker 4: videos and snippets of me, like mid record that we've

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Speaker 4: cut out, like that we cut out.

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Speaker 2: I know she's like piled them away.

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Speaker 6: We're not safe.

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Speaker 2: No, we're not safe.

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Speaker 6: I think especially you, You're especially not safe.

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Speaker 2: No.

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Speaker 4: And like I'm the easiest to pick on as well,

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Speaker 4: Like I feel like I just do oh whole heap

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Speaker 4: of weird stuff. But anyway, I want to get onto

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Speaker 4: the show. Yes, we have so much to get through today.

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Speaker 4: But first things first, Jess usually shares here her money

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Speaker 4: wins and confessions from the group. But guess what, I'm

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Speaker 4: in control again this week because Jess is not here,

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Speaker 4: so we are going roguan. I got to pick them

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Speaker 4: this week. Wow, I'm really excited about it. Are you ready?

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Speaker 6: I'm ready.

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Speaker 2: So, first, we have a money win from Kim.

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Speaker 4: She said, I hit my twenty thousand savings goal for

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Speaker 4: this year.

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Speaker 2: Siah are you joking? She did say money loss.

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Speaker 4: My puppy ended up in emergency care on the weekend.

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Speaker 4: But money wing guys don't forget. I've got twenty grand

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Speaker 4: in savings, so I don't have to worry about that bill.

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Speaker 6: Oh my god, that's great.

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Speaker 4: I also really love her mindset around that, like it's

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Speaker 4: not like, oh my gosh, money lost the dog, like

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Speaker 4: my savings are going to go backwards. She's like, look

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Speaker 4: at this thing that I can lean on that is

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Speaker 4: there for this exact purpose.

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Speaker 6: This is here for a reason.

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Speaker 2: Isn't that cool?

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Speaker 6: That's great?

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Speaker 2: Adore.

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Speaker 4: Also, she gets a special mention because, without being prompted

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Speaker 4: by me, she also uploaded this and it says also

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Speaker 4: VD will probably want to see a picture, and it

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Speaker 4: is a photo of her dog.

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Speaker 6: She knows you too well, you know me.

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Speaker 2: I love it all right.

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Speaker 4: Money in from Mahalia, she says, start a maternity leave today.

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Speaker 2: Congrats. She says, it's a little bit earlier than planned.

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Speaker 4: But I've been putting extra towards bills and stocking up

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Speaker 4: on items for months now, which means we're at least

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Speaker 4: six months.

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Speaker 2: Ahead on a majority of our bills and rates.

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Speaker 4: And I'm stocked up on all of the household items

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Speaker 4: like washing powder, softener, dishwasher tablets, liquid, and pet food,

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Speaker 4: which is gonna be coming in handy on a reduced

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Speaker 4: income soon. I'm stressed about the reduced income part, but

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Speaker 4: I'm trying to focus on the positives, on how we've

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Speaker 4: prepared so much to get to this point.

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Speaker 6: Yeah, that's a really, really good idea.

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Speaker 4: I didn't even think about. I mean, I'm pregnant. I'm

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Speaker 4: the worst pregnant person ever. Like, I have made no

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Speaker 4: real big purchases yet, and to the big purchases.

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Speaker 2: I have made a little truly not even that exciting.

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Speaker 4: But like stocking up on washing powder, dishwashing liquid, and

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Speaker 4: like dishwasher tablets, that's going to cut down your grocery

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Speaker 4: budgets so much when you go to one income. Yes,

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Speaker 4: and if you're shopping over a few months, you can

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Speaker 4: get them all on sale. Yes, that's so smart, really

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Speaker 4: good idea. All right, Jennifer, she's got a money loss

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Speaker 4: this week. She had to purchase a new fridge, but

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Speaker 4: she also gave us some money win. She's like, I'm

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Speaker 4: going to counteract the bad with the good. She said,

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Speaker 4: I was going to purchase the fridge the good guys,

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Speaker 4: but they were lazy and wouldn't get back to us

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Speaker 4: with whether they had it in stock or not. So

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Speaker 4: popped on over to JB High Fight, got free delivery,

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Speaker 4: took the old fridge away for free, and through my

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Speaker 4: husband's job, he got five percent off purchases through JB

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Speaker 4: High Fight, So we ended up saving more than two

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Speaker 4: hundred and fifty dollars.

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Speaker 6: WHOA, that's very good. That's a big money win.

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Speaker 4: She's also, you know, added a life win in here,

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Speaker 4: which I think all of us are going to be

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Speaker 4: a little bit envious of.

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Speaker 2: Are you ready?

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Speaker 6: I'm ready?

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Speaker 2: Life win. She's like, I didn't even have to clean

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Speaker 2: the old fridge before we threw it away.

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Speaker 6: Oh yes, how annoying is it.

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Speaker 4: To thrusting your fridge wiping it out like it's gross?

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Speaker 4: No thanks, no, no thanks? All right, I've got two

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Speaker 4: more for you, beck, Are you ready? This one is

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Speaker 4: from Renee? She said, I changed my home insurance, saved

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Speaker 4: four hundred dollars. Then girl masked myself into buying your

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Speaker 4: diceon air up because they're on sale everywhere you got to, you.

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Speaker 2: Gotta get it.

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Speaker 4: I appreciate that, Renee and then we have one last

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Speaker 4: one from our friend Mary, and she said, for the

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Speaker 4: first time in months, I haven't had to dip into

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Speaker 4: my savings.

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Speaker 2: Isn't that really good? Good on you get it, Mary.

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Speaker 6: Yeah, that's great, Mary.

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Speaker 4: I feel like that's so good. That's like a positive

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Speaker 4: money habit that.

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Speaker 2: I feel like so many of us struggle with, especially

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Speaker 2: at the moments.

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Speaker 4: We're in the middle of a cost of living crisis,

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Speaker 4: and I swear everything is fifty times.

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Speaker 2: Not exaggerating more expensive than it used to be.

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Speaker 6: Yah, so true.

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Speaker 2: It just feels that way. Abor Grapes of the Day

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Speaker 2: twelve dollars for like a little little bunch.

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Speaker 1: No.

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Speaker 4: I feel like I saw him main the other day

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Speaker 4: and it said one hundred dollars is equivalent to one

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Speaker 4: dollar in adult and I was.

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Speaker 2: Like, that's how it feels.

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Speaker 6: Yeah, that's true, actually what it feels.

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Speaker 2: And I was like, that's gross.

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Speaker 5: Yeah, I'm actually curious to know how much you get

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Speaker 5: for a dollar back in like twenty years ago.

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Speaker 2: I don't know I could calculate it for it.

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Speaker 4: I mean, I could absolutely calculate it for you, but

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Speaker 4: we're not going to because it is time to do

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Speaker 4: Bex broke tips.

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Speaker 5: What have you got for us this week? Okay, so

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Speaker 5: this week I have one broke tip. Sorry, I have

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Speaker 5: my two broake tips, and then I've got one from myself.

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Speaker 5: A right, but like the the first one is what

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Speaker 5: I'm trying to say, thank you, Victoria. So my first

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Speaker 5: one comes from Jane, who says, I buy movie vouchers

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Speaker 5: through shot back money I've earned, so when you're having

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Speaker 5: a poor week, you can still go to the movies,

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Speaker 5: which I think is a really cool idea.

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Speaker 6: It's maybe something that.

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Speaker 5: Like, sure, if you're like a little bit broke, it's

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Speaker 5: not like your top priority, but it is also nice

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Speaker 5: to do things that make you feel good. If you

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Speaker 5: don't necessarily have a lot of money coming in, or

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Speaker 5: you can't do those little things, it can be really

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Speaker 5: hard for your mental health to be like I actually

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Speaker 5: done money and I can't do anything.

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Speaker 4: I feel like that's a really good one too, because

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Speaker 4: shopback's basically free money, Like if you're using shopback on

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Speaker 4: your purchases, it's cash back that you wouldn't have otherwise gotten,

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Speaker 4: and a lot of our community like using it as

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Speaker 4: kind of like a cheeky little savings account, kind of

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Speaker 4: like to the side for splurges because obviously, like if

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Speaker 4: you can't afford heaps, you're not going to pay for

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Speaker 4: movie tickets as well. Yes, but like they feel free

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Speaker 4: through shopbacks, so I feel like that's good. And also

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Speaker 4: like if you pre purchase them you kind of have

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Speaker 4: something to look forward to as well.

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Speaker 2: I like it.

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Speaker 5: I like it so and maybe instead of going out

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Speaker 5: and be like, oh my gosh, I've got to take

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Speaker 5: my partner or my friend out for dinner or something,

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Speaker 5: you go to the movies instead. It spend zero dollars

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Speaker 5: instead of spending your last fifty dollars or whatever it is.

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Speaker 4: So I don't know if you've ever done this, spepack.

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Speaker 4: When I was in Uni, I used to put my

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Speaker 4: dinner in a tupperware container with my housemate and then

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Speaker 4: we'd go to the movies. And I'd obviously take my

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Speaker 4: full handbag and put my dinner in the bottom of it,

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Speaker 4: but we'd have like dinner in a.

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Speaker 2: Movie, and I was like genius.

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Speaker 4: We also went on cheap Tuesdays, so we got like

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Speaker 4: the two for one because obviously we're not paying full

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Speaker 4: price to movie tickets in this house, absolutely not, so

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Speaker 4: we'd like package up our little dinner and have like

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Speaker 4: I don't know, a like movie theater picnic. They probably

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Speaker 4: won't like that, like don't come at me village cinemas.

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Speaker 4: I'm really sorry, true, I forgot, You're not meant to

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Speaker 4: do that. But like kind of for gold class and

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Speaker 4: table service. So I di wied totally totally under the table.

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Speaker 4: Don't tell anyone we said that. Good idea, all right?

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Speaker 2: Next what else you got for us?

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Speaker 5: Next one from Mindy who says, learn to tint your

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Speaker 5: own brows. It is so easy draw outline with pencil.

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Speaker 6: This this is.

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Speaker 5: Kind of like more so for any kind of oh

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Speaker 5: would say maintenance. It's still also something you wouldn't prioritize

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Speaker 5: if you are really really broke.

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Speaker 4: Absolutely, but this is going to save some money. This

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Speaker 4: is going to save some good money. It's going to

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Speaker 4: save some good money. And it's not only for eyebrows.

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Speaker 4: It's for you know, learn how to do your own head.

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Speaker 2: And I was about to be like, what other hair

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Speaker 2: are you tinting?

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Speaker 6: You know you can.

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Speaker 5: Tint your arm hairs if you want to, anywhere you want,

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Speaker 5: learn how to tint, learn how to cut, learn how

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Speaker 5: to and I know, like you know, I don't know

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Speaker 5: if you know this or not, but I've never been

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Speaker 5: to a headresser, so.

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Speaker 2: This one I'm quite aware. I'm quite aware. Not because

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Speaker 2: I can tell that is a stunning mullet, thank you.

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Speaker 2: In fact, do you look like a stun mullet.

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Speaker 4: You have bragged on the show a few times about

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Speaker 4: diying hair, and you.

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Speaker 6: Know what, don't you still have some?

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Speaker 5: Exactly? Don't be scared. Don't be scared to learn how

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Speaker 5: to do your nails. I don't do my nails, but

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Speaker 5: if you did do your nails. Learn how to ten

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Speaker 5: your eyebrows yourself, learn how to do a little wax yourself.

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Speaker 5: I do all the kind of like beauty maintenance, all

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Speaker 5: these kind of things.

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Speaker 2: All right, beck, I want to know what is your

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Speaker 2: broke tip of the week?

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Speaker 5: Okay, So mine, probably as usual, is a little bit

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Speaker 5: rogue and maybe not all that relatable, but.

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Speaker 2: Not relatable content.

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Speaker 1: I love it.

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Speaker 4: Let's put it on a podcast and send it live

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Speaker 4: to the one point six million people.

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Speaker 5: A really good idea. Yes, that's a really good idea.

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Speaker 5: That's what I was hoping to do today.

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Speaker 2: Ye actually great.

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Speaker 5: I was talking to our fill in producer Indiana yesterday

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Speaker 5: and I was talking about how we're both talking about

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Speaker 5: how we go to the gym and we use the showers,

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Speaker 5: we use, the hair dryers, we use the they have

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Speaker 5: like little like moisturizers, Yeah, tampons, pads, all this stuff

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Speaker 5: at your gym.

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Speaker 6: I paid.

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Speaker 2: You're already paying for your gym membership. Yeah, you paid

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Speaker 2: it all the week.

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Speaker 5: And also it's a really good way, like if this

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Speaker 5: is more so for saving on utilities like energy, water. Literally,

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Speaker 5: if you do it for long enough and if you

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Speaker 5: do it enough times, it will have an impact.

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Speaker 6: It will have an impact.

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Speaker 4: I mean, if you don't shower at home, you're going

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Speaker 4: to say a lot of money exactly.

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Speaker 5: And it's a really good way to get you out

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Speaker 5: of the house and maybe go to the gym. If

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Speaker 5: you didn't want to go to the gym, you're like,

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Speaker 5: I want to save money on essentials that could be

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Speaker 5: moisturizer pads, tampon's hair dryer everything.

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Speaker 6: They have everything there.

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Speaker 4: Okay, So I can and will save money on doing

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Speaker 4: my eyebrows, and I can and will save money doing

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Speaker 4: you know, my own pedicures and manicures.

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Speaker 2: You are not going to get me in the gym

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Speaker 2: have fun.

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Speaker 5: What if you couldn't afford a hair dryer, and you're like,

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Speaker 5: but I do have gym membership. Maybe I'll just go

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Speaker 5: and use the gym's hair dryer while you're there. Maybe

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Speaker 5: I'll do I've canceled the gym membership and buy the

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Speaker 5: hair dry That's actually very good idea. That's a good

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Speaker 5: way to do like two things in one, you know

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Speaker 5: what I mean if you go the gym anyway.

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Speaker 2: If you want to hate yourself and go to the gym,

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Speaker 2: you do that.

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Speaker 5: Exactly, and take advantage of their utilities water, energy, electricity.

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Speaker 2: GENI, anything else for those who are interested.

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Speaker 5: Exactly if you're interested, also if you're there is also

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Speaker 5: a little bit more more rogue than that. If you're

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Speaker 5: in a Campa van and you're driving around Australia, very

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Speaker 5: relatable content and you don't want to get an Airbnb

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Speaker 5: or a hotel because you have a van. You do

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Speaker 5: have a camp of van. But if you wanted like

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Speaker 5: a knight of luxury, you want to have a good

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Speaker 5: shower or something like that. This is also where would

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Speaker 5: come in handy. You have a nice hot shower in

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Speaker 5: a gym anyway, that's my But do.

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Speaker 4: You have to pay for the gym, or if you

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Speaker 4: got like one of these memberships where it's any club

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Speaker 4: in Australia.

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Speaker 6: Yeah, I use anytime finish. I think I should say

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Speaker 6: that just in case.

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Speaker 4: Yeah, no, give them a little plug, because you're abusing

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Speaker 4: them enough that they probably deserve the free advertising.

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Speaker 6: I should be paying their utilities at this point, I.

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Speaker 2: Couldn't agree more.

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

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Speaker 4: because on the flip side, we're going to be talking

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Speaker 4: about a money dilemma of how to protect your yourself

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Speaker 4: and your investment when you're going to purchase a property

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Speaker 4: with a partner but you don't have equal deposit amounts.

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

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Speaker 4: slid into our DMS about this week.

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Speaker 2: We're talking about what do you do when you've been gifted.

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Speaker 4: A gift voucher that you can't afford to you so

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Speaker 4: don't go anywhere, guys. All right, beck, we are back.

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Speaker 4: Let's have a listen to this week's money dilemma. Hi, there,

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Speaker 4: have you got a money dilemma you just can't solve that.

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Speaker 4: She's on the Money team is.

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Speaker 2: Here to help.

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Speaker 4: Every week we tackle your dilemmas both big and small

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Speaker 4: to answer your most burning money, career and life questions.

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Speaker 4: To get involved, simply head to our website and leave

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Speaker 4: us a short voice recording and you might just find

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Speaker 4: yourself on the show. Now, let's take a listen to

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Speaker 4: this week's money dilemma.

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Speaker 7: Hello, she's on the money question. What can you legally

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Speaker 7: do to protect yourself when purchasing a property with your partner,

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Speaker 7: significant other, husband, et cetera. If you have deposit amounts

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Speaker 7: that aren't equally matched. For example, if I put in

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Speaker 7: eighty percent of the deposit and they put in twenty percent.

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Speaker 7: What can be done so you can protect your assets

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Speaker 7: if that relationship doesn't work in the future.

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Speaker 2: Thanks, this is a good one, Beck, What would you do? I?

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Speaker 2: She said legal?

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Speaker 6: Legally?

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Speaker 2: What can you legally do? Not? What would Beck actually do?

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Speaker 1: Yeah?

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Speaker 2: Could you legally?

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Speaker 4: I was going to give only illegal Yeah, that's why

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Speaker 4: I was disclaiming it.

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Speaker 5: Yeah, that's probably a good idea. Well, in that case,

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Speaker 5: I have nothing, But you're like to start a fight.

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Speaker 5: Start a fight, broke up and you know to deal

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Speaker 5: with it.

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Speaker 4: No, I'm just kidding, because if you're trying to separate it,

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Speaker 4: you probably have broken up back right, So we're forward planning.

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Speaker 2: What's your exit plan? What's your exit strategy?

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Speaker 5: Gosh, you know, v I do you want me to

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Speaker 5: just take because you know I'll never probably I'll probably

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Speaker 5: never find myself in this position, So I'm I'm happy for.

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Speaker 2: You you will.

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Speaker 4: So first things first, we need to do a few things. One,

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Speaker 4: we need to have open, honest conversations about where we're

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Speaker 4: going and what we want to do. So, if let's

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Speaker 4: pretend it's around one hundred thousand dollars and you've contributed

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Speaker 4: seventy thousand and your partner has contributed thirty thousand, that

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Speaker 4: is a significant difference in deposit amount, Like we're not

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Speaker 4: talking about two or three thousand dollars where it's kind

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Speaker 4: of like here or there in the grand scheme of things,

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Speaker 4: it all comes out in the wash, Like that's significant.

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Speaker 4: Are you going to be splitting the mortgage in the

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Speaker 4: same percentages or are you just going to be fifty

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Speaker 4: to fifty after that? If so, if you're selling the house,

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Speaker 4: will you be getting that seventy thousand dollars back before profit?

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Speaker 4: What does that look like? Are you going to purchase

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Speaker 4: the house? And then if you know your exit plan,

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Speaker 4: is no worries we'll leave when we get our deposit back,

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Speaker 4: we'll split it equally. Why would you do that if

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Speaker 4: you contributed literally seventy percent and they contributed thirty. So

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Speaker 4: I think it's important to have that open, honest conversation first. Yes,

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Speaker 4: you could take it a step further, get what's called

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Speaker 4: a binding financial agreement, which I think is really important,

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Speaker 4: especially if you're like, oh, I don't really know, it's

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Speaker 4: never going to be fifty to fifty, Like it just

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Speaker 4: makes you a little bit more financially secure, and I

439
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Speaker 4: think that's really important. The other thing is understanding property

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Speaker 4: ownership and that there's not just one way to own

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Speaker 4: a property. So the first thing that popped into my

442
00:18:21,800 --> 00:18:24,720
Speaker 4: head was are you going to be tenants in common

443
00:18:25,080 --> 00:18:28,000
Speaker 4: or are you going to be joint tenants? So if

444
00:18:28,000 --> 00:18:31,000
Speaker 4: you're a joint tenant, that means that each owner has

445
00:18:31,040 --> 00:18:34,200
Speaker 4: an undivided equal share in the whole amount of the land,

446
00:18:34,240 --> 00:18:37,320
Speaker 4: and the premise of one means that their share passes

447
00:18:37,320 --> 00:18:40,080
Speaker 4: to the other joint owner if they passed away, Like Beck,

448
00:18:40,119 --> 00:18:41,920
Speaker 4: you or and I are in a relationship, we buy

449
00:18:41,920 --> 00:18:45,879
Speaker 4: a house together, I die yesterday. It means automatically becomes

450
00:18:46,040 --> 00:18:49,080
Speaker 4: entirely your house. Is that how it's going to work.

451
00:18:49,160 --> 00:18:51,840
Speaker 4: Is that what you're comfortable with? If so, that's fine.

452
00:18:52,240 --> 00:18:54,960
Speaker 4: But the flip side is tenants in common, and that's

453
00:18:55,000 --> 00:18:58,720
Speaker 4: where each party has a very well defined share.

454
00:18:58,600 --> 00:19:00,840
Speaker 2: In that property and in the land.

455
00:19:00,880 --> 00:19:02,600
Speaker 4: And it could be you know, fifty to fifty, it

456
00:19:02,600 --> 00:19:05,480
Speaker 4: could be that seventy thirty that we were talking about,

457
00:19:05,640 --> 00:19:08,879
Speaker 4: or any other percentage. So it really depends are you

458
00:19:09,440 --> 00:19:12,280
Speaker 4: going to be going equal on the mortgage repayments?

459
00:19:12,320 --> 00:19:13,680
Speaker 2: And like who owns the house?

460
00:19:13,920 --> 00:19:16,119
Speaker 4: Like you know, you might have contributed seventy percent of

461
00:19:16,160 --> 00:19:18,880
Speaker 4: the deposit, but do you own seventy percent of the house?

462
00:19:19,080 --> 00:19:19,359
Speaker 7: Right?

463
00:19:19,480 --> 00:19:21,840
Speaker 4: What does that conversation look like? How does that work?

464
00:19:21,880 --> 00:19:23,680
Speaker 4: Where are we going with it? So I think it's

465
00:19:23,760 --> 00:19:27,080
Speaker 4: really important to have these open, honest conversations of like, okay,

466
00:19:27,119 --> 00:19:30,600
Speaker 4: like hypothetically if we break up, and it sounds bad

467
00:19:30,640 --> 00:19:32,800
Speaker 4: because no one wants to talk about breaking up, right,

468
00:19:32,880 --> 00:19:35,920
Speaker 4: But I think the best time to have these conversations

469
00:19:36,440 --> 00:19:39,199
Speaker 4: is when everything sunshine and roses, like, yes, we're so

470
00:19:39,359 --> 00:19:41,600
Speaker 4: in love together. Yes, I want the best for you

471
00:19:41,640 --> 00:19:43,080
Speaker 4: and you want the best for me. Why aren't we

472
00:19:43,119 --> 00:19:45,480
Speaker 4: making those decisions and putting them on paper. Now where

473
00:19:45,520 --> 00:19:47,679
Speaker 4: I go, No, if we broke up, I mean, if

474
00:19:47,720 --> 00:19:48,640
Speaker 4: you cheat on me, Beck.

475
00:19:48,440 --> 00:19:49,480
Speaker 2: We've got to have a fight.

476
00:19:50,200 --> 00:19:53,919
Speaker 4: But if everything worked out in our relationship hasn't, this

477
00:19:54,080 --> 00:19:56,240
Speaker 4: is what I would want for you. And you go, yeah, okay,

478
00:19:56,280 --> 00:19:59,280
Speaker 4: that seems fair. Let's do it when we're level headed

479
00:19:59,359 --> 00:20:01,520
Speaker 4: and still in love and want the best for each other.

480
00:20:01,560 --> 00:20:05,000
Speaker 4: Because to me, that's the kindest outcome. And also, those

481
00:20:05,040 --> 00:20:08,760
Speaker 4: conversations suck when you haven't had them and now you're

482
00:20:08,800 --> 00:20:10,600
Speaker 4: trying to have them with a partner you don't even

483
00:20:10,640 --> 00:20:11,399
Speaker 4: want to answer.

484
00:20:11,160 --> 00:20:13,880
Speaker 2: Text messages from. So I think it's important to.

485
00:20:14,600 --> 00:20:17,200
Speaker 4: I guess, be open and honest, Like if you're at

486
00:20:17,200 --> 00:20:20,240
Speaker 4: a point where you're buying a property with a partner,

487
00:20:21,160 --> 00:20:24,199
Speaker 4: protect yourself. And I mean you said protect yourself and

488
00:20:24,240 --> 00:20:27,000
Speaker 4: your investment. It's an investment. We don't put money in

489
00:20:27,080 --> 00:20:30,159
Speaker 4: hopefully get less back. So put it in, put a

490
00:20:30,200 --> 00:20:32,679
Speaker 4: plan in place, and you know, sign off on it

491
00:20:32,720 --> 00:20:34,440
Speaker 4: even if it doesn't. And I don't want to say

492
00:20:34,440 --> 00:20:37,000
Speaker 4: even if it isn't legally binding, because all of the

493
00:20:37,080 --> 00:20:39,600
Speaker 4: estate planning lawyers in my DMS will blow up at me.

494
00:20:40,400 --> 00:20:42,640
Speaker 2: But sometimes we just don't have the money to pay

495
00:20:42,640 --> 00:20:43,840
Speaker 2: for an estate planning lawyer.

496
00:20:43,920 --> 00:20:46,280
Speaker 4: So at least, at the very least, have that open,

497
00:20:46,359 --> 00:20:50,040
Speaker 4: honest conversation and go, well, Beck, this is what I

498
00:20:50,080 --> 00:20:50,399
Speaker 4: would do.

499
00:20:50,840 --> 00:20:52,120
Speaker 2: Yes, does that make sense?

500
00:20:52,160 --> 00:20:53,359
Speaker 6: That's totally makes sense.

501
00:20:53,480 --> 00:20:54,880
Speaker 2: Let's just be kind to each other.

502
00:20:55,080 --> 00:20:57,840
Speaker 5: Yeah, and also, congrats on getting to a point where

503
00:20:57,840 --> 00:20:58,840
Speaker 5: you have a deposit.

504
00:20:59,040 --> 00:21:00,120
Speaker 2: That's big dog, isn't it.

505
00:21:00,160 --> 00:21:01,000
Speaker 6: That's really really cool.

506
00:21:01,119 --> 00:21:05,320
Speaker 2: That is very cool. All right, moving on, Okay, I'm

507
00:21:05,359 --> 00:21:06,800
Speaker 2: so excited for this, are you? Actually?

508
00:21:06,960 --> 00:21:07,639
Speaker 6: I'm really excited.

509
00:21:07,720 --> 00:21:09,960
Speaker 4: We have a DM and I'm very excited about it

510
00:21:10,000 --> 00:21:13,199
Speaker 4: because every single week someone slides into our DMS about

511
00:21:13,240 --> 00:21:16,440
Speaker 4: what to do with a bit of a dilemma. Sometimes

512
00:21:16,440 --> 00:21:20,359
Speaker 4: it's spicy, sometimes not. This week we received a dilemma

513
00:21:20,440 --> 00:21:22,040
Speaker 4: and it sounded a lot like this.

514
00:21:23,080 --> 00:21:25,040
Speaker 2: Hi, she's on the money. I have a money dilemma.

515
00:21:25,359 --> 00:21:28,520
Speaker 4: My friend kindly gifted me a one hundred dollars gift

516
00:21:28,600 --> 00:21:31,720
Speaker 4: voucher to a very very fancy and SPANOSPA for my

517
00:21:31,800 --> 00:21:32,680
Speaker 4: thirtieth birthday.

518
00:21:33,400 --> 00:21:34,159
Speaker 2: That's nice.

519
00:21:35,000 --> 00:21:39,440
Speaker 4: However, every treatment is way out of my budget, so

520
00:21:39,600 --> 00:21:41,680
Speaker 4: I just thought, you know what, I'll have my eyebrows

521
00:21:41,720 --> 00:21:43,000
Speaker 4: done well.

522
00:21:43,240 --> 00:21:44,080
Speaker 2: The voucher comes.

523
00:21:43,960 --> 00:21:47,199
Speaker 4: With terms and conditions that say the minimum treatment is

524
00:21:47,320 --> 00:21:50,560
Speaker 4: ninety minutes and it needs to be used within six months.

525
00:21:51,040 --> 00:21:54,000
Speaker 4: The cheapest option would actually leave me out of pocket

526
00:21:54,119 --> 00:21:56,240
Speaker 4: by more than one hundred and sixty dollars once I've

527
00:21:56,320 --> 00:21:57,120
Speaker 4: used the voucher.

528
00:21:57,960 --> 00:21:59,560
Speaker 2: I simply can't afford this right now.

529
00:21:59,680 --> 00:22:00,440
Speaker 6: What I do?

530
00:22:00,960 --> 00:22:03,119
Speaker 4: Give the voucher back to her, try to sell it

531
00:22:03,160 --> 00:22:05,800
Speaker 4: on Facebook marketplace, or do I just let this blow

532
00:22:05,840 --> 00:22:08,720
Speaker 4: over and just waste it. I'd hate to waste her money,

533
00:22:08,760 --> 00:22:11,800
Speaker 4: but it's honestly not a priority right now to contribute

534
00:22:11,840 --> 00:22:14,159
Speaker 4: so much money to a massage. HM.

535
00:22:15,359 --> 00:22:17,800
Speaker 6: I totally know this feeling.

536
00:22:17,880 --> 00:22:19,680
Speaker 5: It's like, you know, when you get any package ever

537
00:22:19,800 --> 00:22:23,240
Speaker 5: and there's like a one hundred dollars naked wines Thatchy there, and.

538
00:22:23,080 --> 00:22:24,040
Speaker 6: You're like, oh my god.

539
00:22:24,040 --> 00:22:25,760
Speaker 5: If I use this and you go online, you're like, oh,

540
00:22:25,760 --> 00:22:27,920
Speaker 5: I have to spend at least seven thousand.

541
00:22:27,480 --> 00:22:30,840
Speaker 6: Dollars, you know, And so it's the worst.

542
00:22:30,880 --> 00:22:32,600
Speaker 4: And so I was like, okay, this is actually imagine

543
00:22:32,600 --> 00:22:34,879
Speaker 4: if that was your thirtieth birthday as well.

544
00:22:35,040 --> 00:22:36,600
Speaker 5: Yeah, and you don't want to like, yes, you want

545
00:22:36,600 --> 00:22:38,200
Speaker 5: to use it, but one hundred and sixty bucks there's

546
00:22:38,240 --> 00:22:40,400
Speaker 5: a lot of money. Maybe, Like I would say, sit

547
00:22:40,480 --> 00:22:42,800
Speaker 5: on it until maybe a month or two out of

548
00:22:42,880 --> 00:22:46,679
Speaker 5: the actual expiration thing, and if you still can't afford it,

549
00:22:46,720 --> 00:22:49,160
Speaker 5: then I would just have a nice, honest, open conversation

550
00:22:49,240 --> 00:22:51,080
Speaker 5: with the friend and be like, this is the situation.

551
00:22:51,520 --> 00:22:54,200
Speaker 5: I want it to be used, and I want maybe you.

552
00:22:54,200 --> 00:22:56,200
Speaker 2: To use it. Yeah, that's kind.

553
00:22:56,440 --> 00:22:58,919
Speaker 5: I think it's kind. Or maybe your friend will be like, oh,

554
00:22:59,000 --> 00:23:00,640
Speaker 5: I'm so sorry. I'm going to give you one hundred

555
00:23:00,640 --> 00:23:03,199
Speaker 5: and sixty dollars and you can go get a nice treatment. Upe.

556
00:23:04,880 --> 00:23:06,920
Speaker 2: I mean that's how i'd solve it, because I'd feel

557
00:23:06,920 --> 00:23:07,600
Speaker 2: bloody awful.

558
00:23:07,720 --> 00:23:10,679
Speaker 4: Yeah, I feel like I don't know, I've got a

559
00:23:10,680 --> 00:23:11,960
Speaker 4: bone to pick with the spa.

560
00:23:12,000 --> 00:23:13,680
Speaker 2: Why are you selling one hundred dollars.

561
00:23:13,560 --> 00:23:15,919
Speaker 4: Vouchers if you don't even have a service. That's one

562
00:23:15,960 --> 00:23:17,359
Speaker 4: hundred dollars true?

563
00:23:17,440 --> 00:23:18,920
Speaker 6: What the hell I did you even think of that?

564
00:23:19,160 --> 00:23:21,560
Speaker 2: Like? Why are you putting terms and conditions on it?

565
00:23:21,600 --> 00:23:24,600
Speaker 4: Like I can almost guarantee that Beck if I went, oh,

566
00:23:24,680 --> 00:23:27,520
Speaker 4: I'm gonna buy Beck one hundred dollars voucher to a SPA.

567
00:23:27,680 --> 00:23:30,159
Speaker 4: In my head, you'd just be able to use that

568
00:23:30,240 --> 00:23:34,240
Speaker 4: on like whatever you want, Like I would be mortified

569
00:23:34,400 --> 00:23:36,880
Speaker 4: to find out that they then put a ninety minute

570
00:23:37,080 --> 00:23:38,840
Speaker 4: cap on it and then you had to spend more,

571
00:23:38,920 --> 00:23:42,040
Speaker 4: Like that wasn't the purpose of me giving you a voucher,

572
00:23:42,119 --> 00:23:43,960
Speaker 4: Like I wanted you to go to have a really

573
00:23:43,960 --> 00:23:48,200
Speaker 4: relaxing time on me, not have a financially expensive time

574
00:23:48,280 --> 00:23:49,919
Speaker 4: or me. Yeah, do you know what I mean? Like,

575
00:23:49,960 --> 00:23:51,840
Speaker 4: I feel like that doesn't make a lot of sense.

576
00:23:52,240 --> 00:23:55,000
Speaker 4: So if you're confident enough, I'd pick up the phone

577
00:23:55,040 --> 00:23:58,800
Speaker 4: and just have a conversation with whoever answers, Like obviously

578
00:23:58,800 --> 00:24:01,680
Speaker 4: you're calling the SPA disclaimer that, but call the spar

579
00:24:01,760 --> 00:24:04,359
Speaker 4: and be like, hey, like why like what can I

580
00:24:04,480 --> 00:24:06,840
Speaker 4: use the one hundred dollars for? Like it's not within

581
00:24:06,880 --> 00:24:09,120
Speaker 4: my budget? You know, could I break it up? Could

582
00:24:09,160 --> 00:24:11,280
Speaker 4: I actually use it for this eyebrow wax? I know

583
00:24:11,320 --> 00:24:13,560
Speaker 4: your terms and conditions say ninety minutes, but that doesn't

584
00:24:13,560 --> 00:24:16,160
Speaker 4: feel like it's in line with fair trading if we're honest,

585
00:24:17,520 --> 00:24:19,639
Speaker 4: Like I don't want to be that Karen, But like

586
00:24:19,720 --> 00:24:22,679
Speaker 4: I also go, that's not very fair because also if

587
00:24:22,760 --> 00:24:26,600
Speaker 4: they do offer cheaper services, hey, like I feel like

588
00:24:26,640 --> 00:24:29,520
Speaker 4: that's quite reasonable. You're not missing your money, like my

589
00:24:29,600 --> 00:24:32,800
Speaker 4: friend paid you one hundred dollars, I in turn got

590
00:24:32,800 --> 00:24:35,200
Speaker 4: this voucher. I would now like one hundred dollars worth

591
00:24:35,200 --> 00:24:38,800
Speaker 4: of services. If an eyebrow, you know, wax is thirty dollars,

592
00:24:38,880 --> 00:24:41,240
Speaker 4: let's say, can you just break it up and give

593
00:24:41,240 --> 00:24:43,439
Speaker 4: me three of those or four foot the extra ten dollars?

594
00:24:43,720 --> 00:24:44,840
Speaker 2: Yeah, like you know what I mean?

595
00:24:45,000 --> 00:24:48,160
Speaker 4: Like, maybe try and negotiate it, Like I can completely

596
00:24:48,200 --> 00:24:50,639
Speaker 4: understand that the terms and conditions might say that. I

597
00:24:50,680 --> 00:24:52,760
Speaker 4: don't think that they stand up because that feels a

598
00:24:52,760 --> 00:24:56,280
Speaker 4: bit dodged wack. But yeah, I would do that. But

599
00:24:56,480 --> 00:24:59,520
Speaker 4: in saying that, let's pretend that's all kosher. Sure, honestly

600
00:25:00,000 --> 00:25:02,959
Speaker 4: I wouldn't say anything to the friend at all. I

601
00:25:03,000 --> 00:25:07,080
Speaker 4: don't feel like this is their problem. Yes, I also

602
00:25:07,119 --> 00:25:10,159
Speaker 4: wouldn't want them feeling bad. But for me, if I

603
00:25:10,240 --> 00:25:12,960
Speaker 4: gift you something back, I would never be offended if

604
00:25:13,000 --> 00:25:15,760
Speaker 4: you regifted it, like if it doesn't serve that purpose.

605
00:25:16,000 --> 00:25:18,240
Speaker 4: But the gift I gave you served the purpose when

606
00:25:18,280 --> 00:25:19,960
Speaker 4: I gave it to you, and it was to make

607
00:25:20,000 --> 00:25:22,800
Speaker 4: you feel thought of and you know you feel special

608
00:25:22,920 --> 00:25:25,000
Speaker 4: and you you know, might use it.

609
00:25:24,960 --> 00:25:25,439
Speaker 2: Or might not.

610
00:25:25,840 --> 00:25:28,320
Speaker 4: But ultimately I'm giving you a gift because it's an

611
00:25:28,640 --> 00:25:31,360
Speaker 4: act of kindness from my behalf going, Hey, I really

612
00:25:31,440 --> 00:25:33,479
Speaker 4: want to show my gratitude and how much I love you,

613
00:25:33,560 --> 00:25:34,600
Speaker 4: and here's this gift.

614
00:25:35,320 --> 00:25:38,800
Speaker 2: Did you feel like you got that out of that

615
00:25:38,880 --> 00:25:40,280
Speaker 2: gift when your friend gave it to you?

616
00:25:40,640 --> 00:25:42,320
Speaker 6: Yeah, you probably. That's a good question. I think that though.

617
00:25:42,480 --> 00:25:43,720
Speaker 2: Why do I need to keep the gift?

618
00:25:43,880 --> 00:25:44,120
Speaker 6: Yeah?

619
00:25:44,200 --> 00:25:44,480
Speaker 7: True?

620
00:25:44,520 --> 00:25:44,720
Speaker 6: True?

621
00:25:44,800 --> 00:25:45,040
Speaker 1: True?

622
00:25:45,080 --> 00:25:46,800
Speaker 2: Why does it matter what I do with the gift?

623
00:25:46,880 --> 00:25:48,640
Speaker 6: You wouldn't resell it, you would regift it.

624
00:25:48,840 --> 00:25:50,280
Speaker 4: Oh no, no, no, like you could sell it, you

625
00:25:50,280 --> 00:25:52,119
Speaker 4: could regift it. I don't mind what you do with it.

626
00:25:52,200 --> 00:25:55,600
Speaker 4: But sure the purpose of the gift happened. Yeah, Okay,

627
00:25:56,000 --> 00:25:59,000
Speaker 4: it wasn't. Oh she didn't even care. She doesn't have it. Well,

628
00:25:59,000 --> 00:26:01,199
Speaker 4: I gave it to her. She felt appreciated. You know,

629
00:26:01,240 --> 00:26:02,840
Speaker 4: if you really want to get in the nitty gritty

630
00:26:02,840 --> 00:26:05,320
Speaker 4: when you post on Facebook, marketplace, hide it from your

631
00:26:05,320 --> 00:26:07,560
Speaker 4: friends when you post it. True, that just feels like

632
00:26:07,560 --> 00:26:09,880
Speaker 4: the smart thing to do. But I think it's one

633
00:26:09,880 --> 00:26:13,280
Speaker 4: of those things where the gift did technically serve its purpose.

634
00:26:13,640 --> 00:26:16,600
Speaker 4: And that's why I'm such a fan of I guess regifting,

635
00:26:16,720 --> 00:26:18,639
Speaker 4: like because if someone gifts me something and it's a

636
00:26:18,680 --> 00:26:21,960
Speaker 4: really thoughtful present. Pretend it's my favorite candle, Like I've

637
00:26:22,000 --> 00:26:24,679
Speaker 4: got a favorite candle, loll but I know what it is,

638
00:26:24,720 --> 00:26:26,679
Speaker 4: do you know, like the Marco and Co candles.

639
00:26:27,000 --> 00:26:28,080
Speaker 2: It's like beachy one.

640
00:26:28,119 --> 00:26:30,959
Speaker 4: I don't know what I'm running at our sight now anyway, Anyway,

641
00:26:31,040 --> 00:26:33,399
Speaker 4: my favorite candle ever. But let's pretend somebody gifted me

642
00:26:33,440 --> 00:26:35,400
Speaker 4: that I've already been gifted, like two of them. I've

643
00:26:35,400 --> 00:26:37,919
Speaker 4: got them in my draw. Do I add it to

644
00:26:37,960 --> 00:26:40,200
Speaker 4: that and just let it sit there? Or when your

645
00:26:40,200 --> 00:26:42,080
Speaker 4: birthday comes up back, do I go, oh, my gosh,

646
00:26:42,119 --> 00:26:43,560
Speaker 4: this is my favorite candle.

647
00:26:44,119 --> 00:26:46,880
Speaker 2: That's gonna love it. I'm gonna give her one. Yeah,

648
00:26:46,920 --> 00:26:47,840
Speaker 2: the gift for me.

649
00:26:47,840 --> 00:26:50,359
Speaker 4: Served a purpose. I feel really heard from my friend.

650
00:26:50,400 --> 00:26:53,040
Speaker 4: I feel like my friend really thought about me. But

651
00:26:53,160 --> 00:26:55,520
Speaker 4: also that gift serving another purpose and that I don't

652
00:26:55,560 --> 00:26:56,120
Speaker 4: have to buy.

653
00:26:55,920 --> 00:26:57,240
Speaker 2: A present to give to someone else.

654
00:26:57,480 --> 00:27:00,159
Speaker 4: Yes, so you could regift it, you could sell it,

655
00:27:00,320 --> 00:27:02,760
Speaker 4: you could you know, call and negotiate, but I don't

656
00:27:02,760 --> 00:27:05,359
Speaker 4: think your friend needs to be involved. Okay, your friend

657
00:27:05,520 --> 00:27:08,080
Speaker 4: was just trying to do something really nice and to

658
00:27:08,119 --> 00:27:10,880
Speaker 4: be honest, if you came to me back and said, hey,

659
00:27:10,720 --> 00:27:13,000
Speaker 4: the voucher that you gave me can't do anything with

660
00:27:13,359 --> 00:27:15,159
Speaker 4: I'm just going to feel bad unless you want to

661
00:27:15,160 --> 00:27:17,000
Speaker 4: have that conversation and you're really close to them.

662
00:27:17,040 --> 00:27:17,960
Speaker 2: But that's my take.

663
00:27:18,560 --> 00:27:21,280
Speaker 6: Yeah, Okay, while we're on completely different ends of the spectrum.

664
00:27:20,960 --> 00:27:23,439
Speaker 4: Here, I know, but like, also, I think I'm a

665
00:27:23,440 --> 00:27:26,040
Speaker 4: bit more I don't know fluffy when it comes to

666
00:27:26,080 --> 00:27:28,160
Speaker 4: gift giving because I think it's really about the act

667
00:27:28,240 --> 00:27:31,040
Speaker 4: of gift giving, not necessarily the outcome. It's like the

668
00:27:31,080 --> 00:27:33,040
Speaker 4: thought that counts, right, Yeah, so like why it's the

669
00:27:33,040 --> 00:27:34,040
Speaker 4: thought not counting here?

670
00:27:34,400 --> 00:27:35,679
Speaker 6: Yep, that's true.

671
00:27:35,920 --> 00:27:36,960
Speaker 2: So very good point.

672
00:27:37,000 --> 00:27:39,480
Speaker 4: We did ask the community what did they say? We said,

673
00:27:39,760 --> 00:27:42,040
Speaker 4: what would you do if you were in this situation?

674
00:27:42,800 --> 00:27:45,119
Speaker 4: Thirty seven percent of you said, we'd give the voucher

675
00:27:45,200 --> 00:27:47,680
Speaker 4: back to our friend, forty eight percent of you said

676
00:27:47,720 --> 00:27:50,920
Speaker 4: we'd sell it, and fourteen percent of you said, I'm

677
00:27:50,960 --> 00:27:51,240
Speaker 4: just not.

678
00:27:51,200 --> 00:27:52,439
Speaker 2: Going to use it. I'm going to let it go

679
00:27:52,480 --> 00:27:55,760
Speaker 2: to waste. Don't do that, I see. Don't let something

680
00:27:55,800 --> 00:27:56,280
Speaker 2: go to waste.

681
00:27:56,400 --> 00:27:57,560
Speaker 6: Yes, try not to.

682
00:27:57,880 --> 00:28:00,600
Speaker 4: But you know, the next question we are was if

683
00:28:00,600 --> 00:28:03,160
Speaker 4: you found out your friend sold a present you gifted

684
00:28:03,160 --> 00:28:06,239
Speaker 4: them or marketplace, how would you feel. Thirty percent of

685
00:28:06,240 --> 00:28:08,720
Speaker 4: you said I'd feel upset and angry even if I

686
00:28:08,760 --> 00:28:11,560
Speaker 4: knew the situation. I think you need to have a

687
00:28:11,720 --> 00:28:14,600
Speaker 4: hard think about your values here and why you even

688
00:28:14,640 --> 00:28:16,040
Speaker 4: gifted it to them in the first place.

689
00:28:16,080 --> 00:28:18,800
Speaker 5: Oh true, Yeah, yeah, yeah, I think it's I don't know. Yeah,

690
00:28:18,840 --> 00:28:20,880
Speaker 5: that's fair. I mean, I can see both sides, but.

691
00:28:21,160 --> 00:28:23,399
Speaker 4: I can totally see both sides. But like, I also

692
00:28:23,640 --> 00:28:26,080
Speaker 4: very much are like, it's the thought that counts.

693
00:28:26,200 --> 00:28:28,000
Speaker 6: Yeah, yeah, definitely.

694
00:28:28,080 --> 00:28:30,840
Speaker 4: Seventy percent of you said i'd understand given the situation.

695
00:28:32,600 --> 00:28:34,960
Speaker 4: We said, do you think it seems ungrateful to give

696
00:28:35,000 --> 00:28:38,760
Speaker 4: a present back? Thirty eight percent of you said yes,

697
00:28:39,680 --> 00:28:40,320
Speaker 4: and I agree.

698
00:28:40,400 --> 00:28:42,560
Speaker 2: I agree. I wouldn't give a present back. I didn't

699
00:28:42,560 --> 00:28:43,120
Speaker 2: give it back.

700
00:28:43,320 --> 00:28:45,440
Speaker 4: I would find another purpose for it, because I don't

701
00:28:45,440 --> 00:28:46,640
Speaker 4: want you to think that the.

702
00:28:46,640 --> 00:28:47,680
Speaker 2: Thought wasn't worth it.

703
00:28:48,920 --> 00:28:51,600
Speaker 4: Sixty two percent of you said no, I don't think

704
00:28:51,600 --> 00:28:55,240
Speaker 4: it's ungrateful. We then obviously opened our DMS and said,

705
00:28:55,440 --> 00:28:56,520
Speaker 4: give us your.

706
00:28:56,320 --> 00:28:59,120
Speaker 2: Two cents, and here are some of the responses back.

707
00:28:59,360 --> 00:29:02,800
Speaker 4: So, someone said, isn't there rules on how long gift

708
00:29:02,800 --> 00:29:03,920
Speaker 4: cards need to last? Now?

709
00:29:04,040 --> 00:29:06,400
Speaker 2: Yes, true, Yes, they can't expire.

710
00:29:06,880 --> 00:29:07,600
Speaker 6: It can expire.

711
00:29:08,120 --> 00:29:08,440
Speaker 5: They can't.

712
00:29:08,520 --> 00:29:10,560
Speaker 2: Well, they've got your money, right.

713
00:29:10,400 --> 00:29:12,440
Speaker 4: Like, you can't be like hahaha, it's not going to

714
00:29:12,520 --> 00:29:13,800
Speaker 4: work after this amount of time.

715
00:29:14,320 --> 00:29:15,920
Speaker 2: True, someone said.

716
00:29:15,760 --> 00:29:18,920
Speaker 4: I think offering it back and kindly explaining before selling

717
00:29:18,920 --> 00:29:20,120
Speaker 4: it would be polite.

718
00:29:20,520 --> 00:29:23,400
Speaker 2: Great. She could regift it to someone in her circle

719
00:29:23,440 --> 00:29:26,160
Speaker 2: that knows she could use it, perhaps somebody who they

720
00:29:26,240 --> 00:29:27,800
Speaker 2: know already goes to that spa.

721
00:29:27,920 --> 00:29:28,280
Speaker 5: True.

722
00:29:29,160 --> 00:29:30,920
Speaker 6: Or to stand outside the spar and be like, you

723
00:29:30,960 --> 00:29:32,360
Speaker 6: want one hundred bucks off your treatment?

724
00:29:32,680 --> 00:29:34,720
Speaker 4: Yeah, exactly, stand out the front and be like, hey,

725
00:29:35,000 --> 00:29:35,800
Speaker 4: I've got this voucher.

726
00:29:35,880 --> 00:29:36,720
Speaker 2: Are you going in there?

727
00:29:37,080 --> 00:29:38,720
Speaker 6: Just have someone who looks nice.

728
00:29:38,840 --> 00:29:39,440
Speaker 2: Yes.

729
00:29:39,680 --> 00:29:39,880
Speaker 1: Yeah.

730
00:29:40,160 --> 00:29:41,960
Speaker 4: It's like when you give your parking ticket to the

731
00:29:42,000 --> 00:29:46,720
Speaker 4: next PERI. It's like my favorite thing to do, all right. Next,

732
00:29:46,800 --> 00:29:49,440
Speaker 4: someone said, we need to change your mindset. My friend,

733
00:29:49,520 --> 00:29:51,880
Speaker 4: I am your friend. She said, I don't have many friends,

734
00:29:51,920 --> 00:29:55,240
Speaker 4: but it's all about open and honest communication. In this circumstance,

735
00:29:56,200 --> 00:29:59,239
Speaker 4: You've got enough friends, I promise. Next someone said, let

736
00:29:59,320 --> 00:30:01,240
Speaker 4: it expire or let them know that the.

737
00:30:01,240 --> 00:30:03,719
Speaker 2: Terms and conditions suck. She might not have known and

738
00:30:03,760 --> 00:30:05,800
Speaker 2: gift it to somebody else too in the future.

739
00:30:06,280 --> 00:30:06,680
Speaker 1: Oh.

740
00:30:07,000 --> 00:30:07,240
Speaker 2: Point.

741
00:30:07,240 --> 00:30:08,720
Speaker 6: It's a very good point.

742
00:30:08,560 --> 00:30:11,360
Speaker 2: Because if Becky, you pretended to love the gift that

743
00:30:11,400 --> 00:30:11,960
Speaker 2: I gave you.

744
00:30:12,000 --> 00:30:13,560
Speaker 4: I'd be like, that's sick. I'm going to get it

745
00:30:13,560 --> 00:30:15,800
Speaker 4: for Indy when her birthday comes up. And then Indy's like, fuck,

746
00:30:15,880 --> 00:30:18,160
Speaker 4: she got me one of those gift vouchers that you.

747
00:30:18,280 --> 00:30:22,080
Speaker 2: Got that you just can't use about me behind my back.

748
00:30:22,280 --> 00:30:23,760
Speaker 2: We would never, No, you wouldn't.

749
00:30:25,080 --> 00:30:27,920
Speaker 6: You would just sell this whole cycle, just give gift everything.

750
00:30:28,080 --> 00:30:31,800
Speaker 2: No, it's true. Someone else said, if she's a true friend,

751
00:30:31,960 --> 00:30:34,280
Speaker 2: she's gonna understand. Just talk to her about it.

752
00:30:34,840 --> 00:30:36,720
Speaker 4: Someone else is on the same page as me and said,

753
00:30:36,800 --> 00:30:38,719
Speaker 4: ring up the SPA and tell them that they need

754
00:30:38,760 --> 00:30:39,720
Speaker 4: to be flexible with their.

755
00:30:39,640 --> 00:30:40,440
Speaker 2: Terms and conditions.

756
00:30:40,560 --> 00:30:44,480
Speaker 4: Seriously, someone said, ask other clothes, family or friends if

757
00:30:44,480 --> 00:30:46,600
Speaker 4: they would like it so it doesn't go to waste,

758
00:30:46,680 --> 00:30:48,960
Speaker 4: or ask for an extension, which I think is very fair.

759
00:30:49,080 --> 00:30:51,760
Speaker 4: Extension noneth less, like six months is not enough time.

760
00:30:52,160 --> 00:30:53,960
Speaker 4: Someone else has said, and I'll give you two more

761
00:30:54,000 --> 00:30:56,000
Speaker 4: of these. I'd regift it to someone in a better

762
00:30:56,040 --> 00:30:58,600
Speaker 4: financial position. I'd give it to my mum or something

763
00:30:58,680 --> 00:31:01,720
Speaker 4: like that. And then someone said, sell it or gift

764
00:31:01,760 --> 00:31:03,680
Speaker 4: it to someone close to you. Just pass on the

765
00:31:03,680 --> 00:31:07,280
Speaker 4: good vibes. That's what it was for like that, because

766
00:31:07,280 --> 00:31:09,640
Speaker 4: I just feel like when you're giving a gift, it's the.

767
00:31:09,640 --> 00:31:12,640
Speaker 2: Thought that counts, bought that counts. Like that's what tend.

768
00:31:12,680 --> 00:31:15,160
Speaker 4: I gave you a mug, and I go, beck, I

769
00:31:15,200 --> 00:31:17,120
Speaker 4: picked this mug because I thought you'd really love it,

770
00:31:17,680 --> 00:31:19,720
Speaker 4: but then it turns out you just drink out of

771
00:31:19,800 --> 00:31:21,400
Speaker 4: drink bottle and you're never going to use it.

772
00:31:22,480 --> 00:31:24,520
Speaker 2: Does the thought go to waste there? I don't think

773
00:31:24,600 --> 00:31:25,560
Speaker 2: it does never.

774
00:31:26,120 --> 00:31:28,440
Speaker 4: So if you regifted it, you'd be like, well, it

775
00:31:28,560 --> 00:31:30,800
Speaker 4: is a really nice mug, I'm just not going to

776
00:31:30,880 --> 00:31:31,200
Speaker 4: use it.

777
00:31:31,280 --> 00:31:34,040
Speaker 6: And arguably opening a gift is so much funner than

778
00:31:34,280 --> 00:31:35,040
Speaker 6: usually the gift.

779
00:31:35,120 --> 00:31:37,320
Speaker 4: Yeah, exactly, And also is it not a gift that

780
00:31:37,360 --> 00:31:39,480
Speaker 4: I just saved you money from having to like buy

781
00:31:39,560 --> 00:31:40,880
Speaker 4: your other friend and another process.

782
00:31:40,880 --> 00:31:41,360
Speaker 6: Exactly.

783
00:31:41,520 --> 00:31:44,880
Speaker 4: You are welcome, You are welcome. Don't say I don't

784
00:31:44,920 --> 00:31:45,680
Speaker 4: do anything for you.

785
00:31:45,840 --> 00:31:48,600
Speaker 2: Regift all the time, especially coming up to Christmas. Maybe

786
00:31:48,640 --> 00:31:49,400
Speaker 2: go through your cupboard.

787
00:31:49,400 --> 00:31:52,040
Speaker 4: What haven't you used from Christmas last year that you

788
00:31:52,080 --> 00:31:53,600
Speaker 4: can add it to Chris Kringle this year?

789
00:31:57,200 --> 00:31:59,520
Speaker 6: Not hoping maybe.

790
00:31:59,320 --> 00:32:01,880
Speaker 2: There's a lot. There is a lot, all right.

791
00:32:01,960 --> 00:32:04,880
Speaker 4: Unfortunately, I do think that is all we have time

792
00:32:04,960 --> 00:32:07,600
Speaker 4: for today. So Beck you have the best we can

793
00:32:07,720 --> 00:32:10,320
Speaker 4: you too, and we will see you guys on Monday.

794
00:32:10,520 --> 00:32:16,080
Speaker 5: Bye guys, love you, bye bye.

795
00:32:18,440 --> 00:32:20,960
Speaker 4: The advice shared on She's on the Money is general

796
00:32:21,000 --> 00:32:24,840
Speaker 4: in nature and does not consider your individual circumstances. She's

797
00:32:24,920 --> 00:32:28,320
Speaker 4: on the Money exists purely for educational purposes and should

798
00:32:28,400 --> 00:32:31,560
Speaker 4: not be relied upon to make an investment or financial decision.

799
00:32:31,960 --> 00:32:34,400
Speaker 4: If you do choose to buy a financial product, read

800
00:32:34,440 --> 00:32:38,600
Speaker 4: the PDS TMD and obtain appropriate financial advice tailored towards

801
00:32:38,600 --> 00:32:41,880
Speaker 4: your needs. Victoria Divine and She's on the Money are

802
00:32:41,960 --> 00:32:46,960
Speaker 4: authorized representatives of money. Sheper pty Ltd ABN three two

803
00:32:47,000 --> 00:32:50,000
Speaker 4: one is six four nine two seven seven zero eight

804
00:32:50,280 --> 00:32:55,640
Speaker 4: AFSL four five one two eight nine.

805
00:33:00,440 --> 00:33:01,920
Speaker 3: You will be that you want me