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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 Them the podcast for

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Speaker 4: millennials who want to.

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Speaker 2: Go to Taylor Swift.

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Speaker 4: Today is Friday, which means it is time to get

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Speaker 4: the team together and celebrate you our incredible She's on

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Speaker 4: the Money community. Today we're going to be sharing our

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Speaker 4: favorite money wins. We're going to be helping to answer

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

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Speaker 4: about emergency funds for travel, and we're going to be

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Speaker 4: unpacking something you slid into our DMS about And this

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Speaker 4: week we're going to be chatting about should you pay

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Speaker 4: when someone else is driving you and you get a fine,

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Speaker 4: which I think is going to get a little bit spicy.

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Speaker 4: But my friends, Beck, you're here, Miss jessic Ricci, you're

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Speaker 4: here as always.

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Speaker 2: How have your weeks been?

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Speaker 5: Mine has been so relaxing. It's relaxing work. Yeah, and

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Speaker 5: I'm just on cloud night, like you know how.

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Speaker 2: Much you love your job before.

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Speaker 6: We will always be the best, so true.

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Speaker 5: So it's been yeah, super chill too chill.

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Speaker 4: Oh good.

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Speaker 5: I'm still leating East eggs, are you? Guys?

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Speaker 4: We literally have Easter eggs on the desk right now,

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Speaker 4: and Ess is brought in those American marshmallow rabbit things.

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Speaker 2: Sorry the peeps they're not their chickens.

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Speaker 4: I don't know what they are, little bodies, but Jess,

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Speaker 4: you always embrace effective season.

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Speaker 2: How was your Easter?

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Speaker 5: So good?

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Speaker 6: My little fresh baby nephew got dressed up in a

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Speaker 6: little rabbit costume.

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Speaker 2: Eat him. I would have eaten it.

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Speaker 6: It was delicious and ever so edible, but it was

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Speaker 6: really fun. It was so good, family time, lots of chocolate.

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Speaker 6: I don't know what else you could possibly ask for.

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Speaker 2: Really, how good?

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Speaker 4: Mine was very very similar lots of babies, yes, lots

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Speaker 4: of kids around, lots of making sure that there was

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Speaker 4: some dinner on the table by five point thirty pm,

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Speaker 4: which I am not used to. There was way more

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Speaker 4: screaming in our household over the weekend than has ever

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Speaker 4: been before. But it was really, really good. And I

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Speaker 4: have decided to plan my Barbie birthday party. Oh yeah,

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Speaker 4: We've planned our Barbie birthday party. And Jessica Ici has

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Speaker 4: said that she will also sell a kidney for a

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Speaker 4: Taylor Swift ticket. They come out, it's all happening. Yeah,

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Speaker 4: we're very excited.

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Speaker 5: Taylor Swift is listening to the podcasts, which I am

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Speaker 5: not myself. I don't know, Guys, I think she might.

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Speaker 4: She's like, hey, I'm literally worth hundreds of millions, then

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Speaker 4: some budget to.

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Speaker 5: She kind of wants to know how to budget.

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Speaker 4: I don't know.

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Speaker 6: She's a girl's girl, Like, if anyone's going to support

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Speaker 6: the girlies, I'm convinced. Yeah, Swift, So you know, you know.

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Speaker 4: We will basically say that we're endorsed by Taylor Swift

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Speaker 4: if that's the case basically. But before we get into

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Speaker 4: some pr issues, Jessica, you have some community money wins

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Speaker 4: for us.

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Speaker 2: Can you do a little quick whipp around of your

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Speaker 2: faves from this week?

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Speaker 6: Sure? Can? A bit of a self care theme this

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Speaker 6: week's My first money win comes from Brianna, who said

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Speaker 6: money win. One of my girlfriends who used to study

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Speaker 6: skincare offered to give me an at home facial and

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Speaker 6: teach me how to look after my specific skin type

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Speaker 6: on a budget. I've been finding it so hard to

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Speaker 6: justify my expensive cosmeceutical skincare with the rising cost of living,

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Speaker 6: so this came at the perfect time.

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Speaker 2: How good can we have that list?

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Speaker 6: Yeah?

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Speaker 4: Taking applications for new friends who have cosmetics licenses. If

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Speaker 4: you would like to give me facials at home, Yeah,

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Speaker 4: I'm willing willing to take that sacrifice.

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Speaker 6: Love that. My next money win came from Jess, who

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Speaker 6: said I booked all of my europ accommodation using a

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Speaker 6: shot back. Total game changer. Anyone who's lucky enough to

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Speaker 6: be booking a holiday, I would be making sure you

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Speaker 6: get your cash back because you will save yourself a

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Speaker 6: pretty penny. My next money win came from Rebecca, who said,

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Speaker 6: I randomly thought I would check Deepop for the dress

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Speaker 6: I've been eyeing off for an upcoming wedding and I

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Speaker 6: found the exact dress in my size for a third

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Speaker 6: of the price and it had only been listed twelve

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Speaker 6: hours earlier. Oh my god, wow, perfect, immaculate. My next

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Speaker 6: money win is from Alana, who said I desperately needed

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Speaker 6: a massage and went to the massage clinic at a

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Speaker 6: tape where students practice a one hour of remedial massage

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Speaker 6: on you for only fifteen dollars.

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Speaker 5: Sorry, what that is a great idea.

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Speaker 2: Let's go.

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Speaker 6: All it was required at the end is filling out

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Speaker 6: a feedback form on how this it was an amazing

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Speaker 6: experience and not to mention a relaxic one.

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Speaker 4: Oh my gosh, that's actually the biggest money win of

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Speaker 4: the year. You can't even buy anything for fifteen dollars

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Speaker 4: a year this day.

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Speaker 6: If you're in Melbourne, there is a tafe I.

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Speaker 4: Think it's a beauty clinic on in the city. It's

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Speaker 4: in the city about finds Elie Lucas.

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Speaker 6: I think so.

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Speaker 4: Yeah, I used to go there and get like my

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Speaker 4: eyelashes tinted, or like facials and stuff.

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Speaker 7: You can get massages, yeah, I'm sure you can. Okay,

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Speaker 7: Oh my god, I'm slow key.

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Speaker 6: Look up your local tape, it's a lot cheaper, and honestly,

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Speaker 6: if anything, I feel like they're going to be better

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Speaker 6: because they're trying, like they're practicing, they're at school, they're

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Speaker 6: trying really hard to.

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Speaker 4: Be good and do their best possible job one hundred percent.

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Speaker 4: Also on that, I think it's important. So my hairdresser Boder,

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Speaker 4: I'm obsessed with them. They've obviously got sounds everywhere, but

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Speaker 4: I go to the one in Richmond. If you follow

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Speaker 4: hairdressers on Instagram, often they'll post things like, oh, we

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Speaker 4: need a hair model for this, or we need like

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Speaker 4: a hair model for a blowwave. And the other day

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Speaker 4: I saw the Boda had done a like oh we

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Speaker 4: need like three blowwave models, and I was like, if

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Speaker 4: I was free, I would take the reblowave.

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Speaker 2: Yeah, Like can you imagine.

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Speaker 6: They do highlights and stuff too. I'm pretty su When

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Speaker 6: I was younger, I got my highlights done once for

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Speaker 6: free because I needed someone to practice that.

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Speaker 4: So it's a good idea to follow your favorite hairdresser

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Speaker 4: and like keep an eye on their stories and see

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Speaker 4: if they are ever wanting a hair model or anything,

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Speaker 4: because you might end up with a free haircut, free

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Speaker 4: hair color, or even like a severely discounted one at best,

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Speaker 4: so huge. Anyway, that's my hot tip.

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Speaker 5: I really like that. It's actually very very smart.

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Speaker 6: That's a good one.

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Speaker 4: I don't know if everyone does it, but I do

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Speaker 4: know bod does, so get in on it.

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Speaker 6: Next money Win comes from Zoe, who said money win

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Speaker 6: where when I got East Chocolate, the half price lind

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Speaker 6: Bunnies were four dollars and my favorite Ferrero Royshare mini

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Speaker 6: eggs were three dollars twenty five for packet genius.

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Speaker 2: Did you play that?

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Speaker 6: I did not. That's from Zoe from Zoe Joey Scout.

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Speaker 2: Are you sure hold on? Because it's a little bit convenient?

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Speaker 2: Is it just?

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Speaker 4: How many packets of Kinder hazelnut mini eggs did you purchase.

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Speaker 2: This this Easter?

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Speaker 6: I would not like to disclose it. Information at this

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Speaker 6: time may or may not be a double digit We.

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Speaker 2: Know it is.

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Speaker 4: She she disclosed to us before, and I was like,

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Speaker 4: I don't even know when you're going to use all these.

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Speaker 6: But respect you can only get them at Easter exact

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Speaker 6: once a year opportunity and they were half priced.

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Speaker 4: Okay, you know what money they're good year round, Yeah,

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Speaker 4: they're good year round.

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Speaker 2: If they've got that little bit of white on them,

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Speaker 2: still good.

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Speaker 5: It's still good.

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Speaker 6: It's extra prote and what is it antibotics? Last money

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Speaker 6: when it comes from and she said everyone's money winds

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Speaker 6: are so epic. I was so stoked this week because

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Speaker 6: Muffin Break gave me and my kids six free scones

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Speaker 6: under muffin Ye. They when we were walking past. We

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Speaker 6: had a fancy scone with jam and cream breakfast this morning.

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Speaker 6: Gone or Scott, same sentenced Scot. It's gone scone. If

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Speaker 6: you're really rich and from Europe.

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Speaker 4: Yes, if you're posh, if you're push yeah, I gave

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Speaker 4: you from Britain.

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Speaker 6: I did one of each Popote to see that guarantee pockets.

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Speaker 5: That's it.

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Speaker 4: Oh yeah, he's actually my favorite.

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Speaker 2: He just like goes through. Oh he's great.

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Speaker 6: I'll send him to you. Yes, effectively de influences so

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Speaker 6: someone will be showing like things that they brought on

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Speaker 6: Amazon to make their life more organized, and he just

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Speaker 6: comments on it in such a satirical way. He's like, Pillo,

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Speaker 6: you take things out of boxes to put them in

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Speaker 6: other little boxes. No, you don't, because you're Popo is

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Speaker 6: taking good. He's taking the Mickey out of over consumption,

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Speaker 6: not because it could be a bit.

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Speaker 4: Anybody like people's videos, so like you're watching theirs at

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Speaker 4: the same time as him narrating.

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Speaker 2: It is absolutely delete content.

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Speaker 6: So it sounds great.

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Speaker 2: Like yeah, that's me, but like I'm the opposite.

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Speaker 4: I put the little clear containers in my fridge and

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Speaker 4: now I feel attacked by this guy because he's not wrong.

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Speaker 2: He's not wrong wrong my eggs he a clear carton.

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Speaker 6: Hope they didn't. But you like it, and that's okay.

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Speaker 6: He's coming for me on that note. That's the end

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Speaker 6: of my money wins.

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

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Speaker 4: because after the break, I want to talk about emergency

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Speaker 4: funds for travel. I also want to talk about Taylor

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Speaker 4: Swift Barbie parties. And we're also going to talk about

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Speaker 4: what happens if you get a parking fine while driving

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Speaker 4: for other people?

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Speaker 2: Should they be paying or should you be paying?

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Speaker 3: Should you just.

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Speaker 2: Cough it up because it's your car? I don't know.

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Speaker 4: Don't go anywhere, guys, because it is going to get hot.

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Speaker 4: On the other side, Welcome back, everybody. I feel like

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Speaker 4: it's getting into winter here in Australia and we're all

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Speaker 4: dreaming of travel, right, We're all dreaming of going somewhere else. Which,

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Speaker 4: if you're Jess and you're embracing the warm winter coats

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Speaker 4: and the fact that you can stay home and eat

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Speaker 4: your ten packets of Easter eggs.

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Speaker 6: Living the dream, why would I ever want to leave?

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Speaker 6: But this week's question is all about emergency funds for

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Speaker 6: travel I believe.

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Speaker 5: Let's take a listen.

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Speaker 2: Hi, there, have you.

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Speaker 4: Got a money dilemma you just can't solve? The Sheese

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Speaker 4: on the Money team is here to help. Every week,

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Speaker 4: we tackle your dilemmas, both big and small, to answer

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Speaker 4: your most burning money.

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Speaker 2: 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 8: Hi, guys, EGO, question about emergency funds for traveling. I'll

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Speaker 8: be going overseas for about a month, mostly staying with family.

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Speaker 8: I want to make sure that I have a emergency

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Speaker 8: fund available, which is planned. But do you guys have

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Speaker 8: any advice on making sure that that emergency fund is

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Speaker 8: definitely sufficient? And I won't be caught out. I do

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Speaker 8: have travel insurance organized, but obviously having the emergency fund

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Speaker 8: is kind of important to me. Any advice on how

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Speaker 8: to figure out how much should be in there to

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Speaker 8: make sure that I don't become brick thanks.

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Speaker 6: First, like kudos to her for thinking an emergency fund,

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Speaker 6: because I literally would go overseas and come back with

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Speaker 6: not eve yeah, not even.

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Speaker 4: Yes, go to get McDonald's at the airport because you're

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Speaker 4: like exhausted, and you're like, I deserve.

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Speaker 2: Hash brown in your bank accounts, Like no, you don't.

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Speaker 5: Be No, you don't. You cannot afford a.

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Speaker 4: Single Okay, humbled, But I'll just wait for the dodgy

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Speaker 4: plane food and hope that there's a wetash brown in that.

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Speaker 2: Oh my gosh, plain food. Have you ever had anything crispy?

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Speaker 5: That's true? No, that's true.

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Speaker 2: Everything just comes out half steamed.

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Speaker 5: The steamers from up there, everything's steamed.

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Speaker 2: I don't know, I don't know, I don't e's efficient.

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Speaker 6: They're best back, they're in the sky. What do you expecting?

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Speaker 5: Their beggas can't be choosers.

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Speaker 4: Actually they can. Because Jess refuses to eat plain.

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Speaker 6: Food, Victoria gives me her role and I eat two rolls.

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Speaker 4: That's really he is very good. I also, I'm really nice.

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Speaker 4: I even donate the butter to her. I'm like, you

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Speaker 4: can have the butter as well because you can't have

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Speaker 4: a plane roll. And then if there's something she will eat,

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Speaker 4: I just will be like, I know you'll eat this.

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Speaker 4: Takeen because I scared she's going to starve because she

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Speaker 4: literally gets in the plane she's like, I'm not going

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Speaker 4: to eat that.

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Speaker 5: Oh, great friend.

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Speaker 4: I don't know if I am a great friend. Because

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Speaker 4: the flip side is I'm like, what's in yours around yours?

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Speaker 4: There's a trade happening.

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Speaker 5: That's a good trade off.

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Speaker 2: I feel like this.

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Speaker 4: Question is really important because it's something that none of

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Speaker 4: us do when traveling, but it's actually really essential. So

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Speaker 4: the first thing I was going to say before listening

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Speaker 4: to the whole question, because I'm really good at jumping

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Speaker 4: into conclusions before the actual question has been asked, is

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Speaker 4: I was going to say travel insurance is your number

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Speaker 4: one best friend. I've said it before on the podcast,

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Speaker 4: and is it privileged to say?

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Speaker 2: Absolutely? It is?

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Speaker 4: But I think it's really important. I do not believe

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Speaker 4: that you can afford to travel if you have not

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Speaker 4: purchased travel insurance, Like, I don't care if you're saying, oh,

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Speaker 4: but it makes the travel so much more expensive, cool,

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Speaker 4: you can't afford to travel, Like, I don't care how

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Speaker 4: aggressive I am with that, because I have seen the

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Speaker 4: flip side of how expensive it can be, how dangerous

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Speaker 4: it can be to travel without it. I have said

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Speaker 4: it before as well, I want insurance to be the

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Speaker 4: biggest waste of money in the entire world. I want

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Speaker 4: you to be like, well, I didn't use that travel insurance.

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Speaker 2: And I'll go good.

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Speaker 4: Yeah, because my good friend who ended up a paraplegic

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Speaker 4: by jumping into a pool completely stone cold, sober in Bali,

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Speaker 4: and had she not had travel insurance, she would have

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Speaker 4: ended up in hundreds of thousands of dollars worth of

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Speaker 4: debt just to get herself from Bali.

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Speaker 2: Back to Australia.

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Speaker 4: So it's one of those things where there's obviously always

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Speaker 4: a worst case scenario and we should be planning for it.

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Speaker 4: So that's why emergency funds are really important as well.

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Speaker 4: So once you've got your insurance, the other thing to

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Speaker 4: make sure is that everything you want to be included

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Speaker 4: is included. So something that I don't think a lot

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Speaker 4: of us realize because we just go, oh yeah, I'll

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Speaker 4: just pay for travel insurance. Often when you're going through

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Speaker 4: like booking flights, at the end, it'll say do you

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Speaker 4: want to add travel insurance and you go tickbox. Great,

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Speaker 4: that seems like a good price, but it might not

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Speaker 4: include the activities you're doing. So you need to be

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Speaker 4: careful go through all of the activities included and the

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Speaker 4: ones that I excluded. Because I remember when I was

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Speaker 4: headed and this is again really privileged.

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Speaker 2: Don't mind. I'll share.

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Speaker 4: I was going to New Zealand and I was like, okay, cool,

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Speaker 4: obviously going to get travel insurance, but I had to

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Speaker 4: pay more for snow cover because I was going overseas

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Speaker 4: to ski, which was really really fun. But then also

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Speaker 4: in the ski package there are exclusions like you can't

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Speaker 4: go off pissed, you can't do all of this other

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Speaker 4: stuff like helly skiing?

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Speaker 2: What off pissed?

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Speaker 4: Sorrys No, it means that like you're skiing on the

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Speaker 4: non groomed runs. So like if you go skiing and

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Speaker 4: there's like groomed runs, that's skiing on groomed field. If

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Speaker 4: you go up the top and you kind of go

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Speaker 4: a bit rogue god bit cross country that's called off

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Speaker 4: Pieced skiing, and yeah, it's not included. Sorry, I feel

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Speaker 4: like it makes me sound makes me sound real rish,

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Speaker 4: like when I talk off Pierce skiing, like I don't

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Speaker 4: do it because I'm very much of a chicken. If

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Speaker 4: you think I'm leaving this blue Run, you are wrong.

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Speaker 4: I'm not leaving the Blue Run. I will stay there.

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Speaker 4: I am there for the app ray ski. I want

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Speaker 4: the appar role in the snow. That's why I go ski.

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Speaker 4: My husband, on the other case, I think he goes

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Speaker 4: there to try and kill himself. Yeah, I think he

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Speaker 4: just goes, you know what, straight down the double black Diamond.

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Speaker 2: Can I skate? He's like, well, we'll find out.

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Speaker 6: Chin Box is not going to cover.

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Speaker 2: Stiff No, no, no no.

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Speaker 4: So you've just got to be really careful about what

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Speaker 4: is in isn't included, because things like whitewater rafting might

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Speaker 4: not be included. If you're going to Bali and I

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Speaker 4: think that, you know, you might think that's a really

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Speaker 4: good thing to do. Cars might not be included. So

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Speaker 4: it's important to make sure these things are included before

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Speaker 4: you go into it. And it can be a bit

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Speaker 4: of a boring exercise. Important though. On top of that,

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Speaker 4: an emergency fund. I don't know where you're going. You

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Speaker 4: said a month, a month in the south of Italy,

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Speaker 4: different story to a month in Bali. Obviously those things

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Speaker 4: cost different amounts of money. On average, I'd probably be

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Speaker 4: looking at having maybe about twenty percent of your travel

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Speaker 4: costs in an emergency fund should something happen. This is

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Speaker 4: above and beyond you're like spending money and what you're

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Speaker 4: actually planning. This is in case something happens and you

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Speaker 4: need to get emergency accommodation or an emergency flight. It's

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Speaker 4: going to depend on your circumstances as to what is

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Speaker 4: applicable because I don't know. Maybe you booked non refundable flights.

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Speaker 4: What if you booked flights that are flexible and you

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Speaker 4: can just change the date on them, that might change

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Speaker 4: how much emergency money you actually need. Because Jesse, if

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Speaker 4: you needed to get home early, we could just change

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Speaker 4: the travel booking for forty dollars. Whereas maybe you booked

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Speaker 4: with a cheaper airline where you don't have refundable or

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Speaker 4: changeable flights. Well, to get home early, you're going to

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Speaker 4: have to book an entirely new flight, and that may be,

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Speaker 4: you know.

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Speaker 2: Six hundred dollars, it might be two thousand dollars.

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Speaker 4: You don't know, So it's really important to kind of

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Speaker 4: look at what that looks like. In a perfect world,

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Speaker 4: you don't use your emergency money, and I know that

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Speaker 4: you go, oh, what's the point in having an emergency

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Speaker 4: fund for travel? I think it's really important to put

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Speaker 4: it to the side. But hopefully you get home and

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Speaker 4: that money can either go into your pre existing emergency

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Speaker 4: fund to top that up, or it can go into

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Speaker 4: your next trip. So it's not going to be money

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Speaker 4: that's wasted. It's money that's going towards something really practical,

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Speaker 4: and some I think that's actually going to, you know,

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Speaker 4: put you in the best position. And what's better than

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Speaker 4: having a stress free holiday, Like you're not going overseas

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Speaker 4: to stress. You're going overseas hopefully to have a bit

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Speaker 4: of a break, and I promise you're going to be

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Speaker 4: far less stressed if you feel like everything financially is sorted.

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Speaker 6: Question does your holiday emergency fund need to be a

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Speaker 6: separate emergency fund from your regular one?

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Speaker 2: No, it doesn't.

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Speaker 5: Good question.

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Speaker 2: It is a good question, Thank you. No, it doesn't.

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Speaker 4: But I think a lot of people are in circumstances

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Speaker 4: where they might not have an emergency fund yet, and

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Speaker 4: they ask this question. If I personally was going overseas,

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Speaker 4: I wouldn't be allocating money to a specific emergency fund

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Speaker 4: because I have access to my normal emergency fund. But

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Speaker 4: I think a lot of people are in circumstances where

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Speaker 4: they might still live at home, and they're like, oh,

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Speaker 4: I don't really need an emergency fund or their emergency

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Speaker 4: funds just like three or four hundred dollars because the

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Speaker 4: bank of Mum and Dad comes into it.

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Speaker 2: Let's be honest.

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Speaker 4: It's a very privileged position to be in, but that's

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Speaker 4: the real of a lot of our community. So I

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Speaker 4: think it's important to go, have I got an emergency

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Speaker 4: fund that I could use for travel. If the answer

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Speaker 4: is no, we need to create it before we go.

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Speaker 4: And if the answer is yes, then we can just

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Speaker 4: rely on the pre existing one. But at the end

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Speaker 4: of the day, it is important to have access to

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Speaker 4: money if you are not at home. It's important to

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Speaker 4: have access to money at all times. But I think

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Speaker 4: baby steps are really important. And if it's like your

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Speaker 4: first time traveling overseas, and you're eighteen and you're not

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Speaker 4: really sure. The answer is yes, Yeah.

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Speaker 6: I wish eighteen year old Jess had thought about that

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Speaker 6: before she got her iPhone stolen in a foreign country.

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Speaker 2: She was fine, wasn't she? She was fine?

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Speaker 6: But came home no money and no iPhone. Oh sucks

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Speaker 6: to me.

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Speaker 2: What did you do?

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Speaker 4: Just go into debt to get in your iPhone? Because

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Speaker 4: that's probably what eighteen year old Victoria would have done. Yeah, samely,

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Speaker 4: liaber All on the same page.

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Speaker 7: Did you feel a bit wholesome having screen off time?

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Speaker 7: It's not phone addicted then, so it wasn't you know?

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Speaker 5: Yeah, that makes sense.

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Speaker 2: If you took my phone off me, i'd legitimately feel naked.

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Speaker 5: Yeah, yeah, I feel like that.

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Speaker 2: Yeah, like she actually would. Yeah, let's be honest.

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Speaker 4: All right, let's move on because this week, Jess, we

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Speaker 4: have a community concern that I think it's going to

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Speaker 4: get a little bit heated. And I don't mean heated

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Speaker 4: from this table. I feel like I feel like I've

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Speaker 4: learned bex ways of the world thus far.

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Speaker 5: I feel like on the fence.

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Speaker 4: Yees sit on the fence, don't have no I feel

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Speaker 4: like we're going to be on the same page about this.

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Speaker 6: Okay, I have a very clear like as soon as

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Speaker 6: I read this question, I was like, there is one

442
00:19:25,880 --> 00:19:28,160
Speaker 6: answer in my mind and one answer.

443
00:19:28,359 --> 00:19:30,439
Speaker 4: Agreed, agreed, and I feel like we're all going to

444
00:19:30,440 --> 00:19:31,800
Speaker 4: be on the same page. But I want to see

445
00:19:31,840 --> 00:19:34,679
Speaker 4: what our DM's say. Okay, So our community dilemma was this,

446
00:19:34,920 --> 00:19:37,240
Speaker 4: It's aid, hello, ladies, A bit of a weird one

447
00:19:37,280 --> 00:19:39,879
Speaker 4: for you. I drove my girlfriends into the train station

448
00:19:40,000 --> 00:19:42,320
Speaker 4: on a night out because everyone was a little bit

449
00:19:42,359 --> 00:19:44,680
Speaker 4: too poor to a for manouver, so I volunteered to

450
00:19:44,720 --> 00:19:47,600
Speaker 4: drives all in the place I parked ended up getting

451
00:19:47,600 --> 00:19:49,760
Speaker 4: me a parking fine in Bracketts. She said it was

452
00:19:49,840 --> 00:19:52,280
Speaker 4: dark and I didn't check the parking signs. I'm feeling

453
00:19:52,320 --> 00:19:54,280
Speaker 4: a little bit salty now, and I know it's my fault,

454
00:19:54,320 --> 00:19:56,560
Speaker 4: but I feel like we should be splitting this between

455
00:19:56,600 --> 00:19:58,560
Speaker 4: all of us. I took one for the team, and

456
00:19:58,600 --> 00:20:01,240
Speaker 4: I also used my fuel and none of us noticed

457
00:20:01,280 --> 00:20:03,320
Speaker 4: the signs. So I don't really want to be coughing

458
00:20:03,359 --> 00:20:05,720
Speaker 4: up one hundred and twenty three dollars for a parking

459
00:20:05,800 --> 00:20:06,600
Speaker 4: fine at the moment.

460
00:20:06,760 --> 00:20:08,199
Speaker 6: So much money for a parking fine.

461
00:20:08,480 --> 00:20:10,360
Speaker 5: Yeah, that's very like there used.

462
00:20:10,160 --> 00:20:11,560
Speaker 2: To be like eighty dollars.

463
00:20:11,760 --> 00:20:14,080
Speaker 6: Yeah, Max, even seventy. I'm pretty sure I've paid one

464
00:20:14,080 --> 00:20:15,200
Speaker 6: before that was like seventy dollars.

465
00:20:15,280 --> 00:20:18,600
Speaker 2: Yeah, it's insane, La, it's insane. Do you know what?

466
00:20:18,840 --> 00:20:21,520
Speaker 4: Like side note, parking in the city is going to

467
00:20:21,560 --> 00:20:23,679
Speaker 4: cost you the same, so maybe just risk it for

468
00:20:23,720 --> 00:20:24,240
Speaker 4: the biscuit.

469
00:20:24,359 --> 00:20:25,560
Speaker 5: Yeah, I do that. I do that.

470
00:20:25,640 --> 00:20:26,160
Speaker 2: I do that.

471
00:20:26,400 --> 00:20:27,840
Speaker 5: I mean I feel like we're all going to agree

472
00:20:28,040 --> 00:20:28,440
Speaker 5: on this.

473
00:20:29,119 --> 00:20:29,960
Speaker 2: I would not.

474
00:20:31,119 --> 00:20:33,120
Speaker 4: Jess would never risk it for the biscuit. She'd pay

475
00:20:33,119 --> 00:20:34,400
Speaker 4: for the parking. I know it.

476
00:20:34,600 --> 00:20:35,920
Speaker 5: Yeah, oh you paid the parking.

477
00:20:35,920 --> 00:20:38,320
Speaker 7: But if you did get a fine, yeah, and you

478
00:20:38,359 --> 00:20:40,360
Speaker 7: were driving your mates around and you got a fine,

479
00:20:40,560 --> 00:20:43,800
Speaker 7: I personally would one hundred percent pay the fine. But

480
00:20:44,560 --> 00:20:47,520
Speaker 7: this is all by yourself or by myself. This is

481
00:20:47,560 --> 00:20:49,040
Speaker 7: my little hack though.

482
00:20:49,440 --> 00:20:54,320
Speaker 4: And are you about to say are you about to say,

483
00:20:54,680 --> 00:20:56,760
Speaker 4: just never volunteer to drive your friends around?

484
00:20:57,240 --> 00:21:00,680
Speaker 7: No, much worse, much more. I just don't pay it.

485
00:21:00,840 --> 00:21:02,920
Speaker 7: And then but wait, but then it goes to it.

486
00:21:03,640 --> 00:21:05,600
Speaker 5: No, it goes it goes to VIC fines.

487
00:21:06,000 --> 00:21:09,240
Speaker 7: And then I jump online and do pay in installments

488
00:21:09,240 --> 00:21:11,320
Speaker 7: and I do like ten bucks a month and then

489
00:21:11,320 --> 00:21:13,200
Speaker 7: I can pay it off. It doesn't feel like anything

490
00:21:13,280 --> 00:21:13,919
Speaker 7: that's gen I.

491
00:21:13,960 --> 00:21:16,600
Speaker 2: Just gotta wait, what are you two doing? That is debt?

492
00:21:16,760 --> 00:21:20,600
Speaker 5: No? No, I mean yes, yes, yes you can existed.

493
00:21:21,040 --> 00:21:23,439
Speaker 6: Yes it is debt, but I believe like it's a

494
00:21:23,480 --> 00:21:26,000
Speaker 6: payment plan. It's not as if you're taking out a loan,

495
00:21:26,200 --> 00:21:29,200
Speaker 6: and I believe that. I feel like that's actually a

496
00:21:29,240 --> 00:21:33,159
Speaker 6: really stort to pay then have to pay differently for a.

497
00:21:33,200 --> 00:21:36,240
Speaker 7: Different because I feel like if you just cannot satom

498
00:21:36,280 --> 00:21:38,840
Speaker 7: paying one hundred and twenty three dollars in the parking fine.

499
00:21:38,600 --> 00:21:42,399
Speaker 5: Then honestly wait until it goes to VIC fines and

500
00:21:42,440 --> 00:21:44,560
Speaker 5: then paid off as as fast or as slow as

501
00:21:44,560 --> 00:21:45,080
Speaker 5: you need to.

502
00:21:45,240 --> 00:21:47,280
Speaker 6: Yeah, where do you sit on this? Because now I

503
00:21:47,320 --> 00:21:48,800
Speaker 6: feel like maybe we don't have the same.

504
00:21:48,840 --> 00:21:49,720
Speaker 5: Yeah, I'm kind of confused.

505
00:21:49,880 --> 00:21:52,240
Speaker 2: I thought we were all going to have the same opinion.

506
00:21:52,440 --> 00:21:53,520
Speaker 6: Do you think they should split it?

507
00:21:53,680 --> 00:21:57,879
Speaker 4: I'm assuming given the context of the message, so saying,

508
00:21:58,080 --> 00:22:01,400
Speaker 4: you know, we all couldn't afford that, uber like, it's

509
00:22:01,440 --> 00:22:05,000
Speaker 4: not I am in a full time working environment where

510
00:22:05,040 --> 00:22:07,359
Speaker 4: one hundred and twenty three dollars, you know, could be

511
00:22:07,400 --> 00:22:11,480
Speaker 4: split over a few months and become palatable. I'm getting

512
00:22:11,520 --> 00:22:15,040
Speaker 4: the vibe. I'm picking up that they're unique students. I

513
00:22:15,080 --> 00:22:17,200
Speaker 4: think that there should be some hey, we got a fine,

514
00:22:17,280 --> 00:22:19,240
Speaker 4: what should we do and have a chat? Like I

515
00:22:19,240 --> 00:22:21,639
Speaker 4: would be mortified to find out that Beck got a

516
00:22:21,680 --> 00:22:24,679
Speaker 4: parking fine for driving me to the train station and

517
00:22:24,720 --> 00:22:27,720
Speaker 4: then she didn't say anything to me, Like I would

518
00:22:27,720 --> 00:22:31,359
Speaker 4: not want her to be financially impacted by helping me

519
00:22:31,600 --> 00:22:35,199
Speaker 4: or doing something for me, especially if the driving was

520
00:22:35,359 --> 00:22:38,520
Speaker 4: a joint decision of Beck and I. I didn't see

521
00:22:38,520 --> 00:22:41,680
Speaker 4: it either, Like I didn't see the signs either. Why

522
00:22:41,680 --> 00:22:44,960
Speaker 4: would Beck see the signs? I think that it's some

523
00:22:45,240 --> 00:22:46,359
Speaker 4: of my responsibility.

524
00:22:46,560 --> 00:22:48,760
Speaker 6: I fully see where you're coming from, Like, I completely

525
00:22:48,840 --> 00:22:51,000
Speaker 6: understand that logic, and I think, like, are you.

526
00:22:51,040 --> 00:22:52,520
Speaker 2: Saying that if I get a fine, I've got to

527
00:22:52,520 --> 00:22:53,240
Speaker 2: pay for the whole thing.

528
00:22:55,560 --> 00:22:58,560
Speaker 6: I just think I see myself out on this one.

529
00:22:58,920 --> 00:23:01,800
Speaker 6: I my stands on this, and like I'm the same

530
00:23:01,800 --> 00:23:03,399
Speaker 6: as you. I think if someone drove me somewhere and

531
00:23:03,400 --> 00:23:05,320
Speaker 6: they got to find like I would want to contribute.

532
00:23:05,520 --> 00:23:07,679
Speaker 6: But I think it's very different to being like I

533
00:23:07,800 --> 00:23:09,960
Speaker 6: drove everyone and I want people to put in for

534
00:23:10,000 --> 00:23:12,119
Speaker 6: petrol because they knew that I was getting in and

535
00:23:12,119 --> 00:23:16,399
Speaker 6: they were going to drive versus ultimately you, as the driver,

536
00:23:16,840 --> 00:23:20,560
Speaker 6: made a mistake. That was your responsibility to look in

537
00:23:20,600 --> 00:23:23,000
Speaker 6: the same way that if you had gotten a speeding fine, yes,

538
00:23:23,119 --> 00:23:25,760
Speaker 6: I would say the same thing, like that's yea as

539
00:23:25,800 --> 00:23:28,800
Speaker 6: the driver, particularly of a car of people who did

540
00:23:28,800 --> 00:23:29,720
Speaker 6: she say they've been drinking.

541
00:23:29,840 --> 00:23:31,399
Speaker 4: No, she didn't say they've been drinking. I think we

542
00:23:31,560 --> 00:23:34,199
Speaker 4: just assumed because they were, like you might have.

543
00:23:34,240 --> 00:23:38,280
Speaker 6: Had a couple of beverages, perhaps even like regardless of

544
00:23:38,280 --> 00:23:38,720
Speaker 6: whether they had to.

545
00:23:38,960 --> 00:23:41,679
Speaker 4: I don't want someone to be financially worse off because

546
00:23:41,720 --> 00:23:42,160
Speaker 4: I didn't.

547
00:23:42,359 --> 00:23:43,600
Speaker 2: I agree, Like, I agree.

548
00:23:43,600 --> 00:23:45,000
Speaker 6: I think the nice thing, yeah, I would be for

549
00:23:45,080 --> 00:23:47,280
Speaker 6: maybe be like, oh my god, I got a parking fine.

550
00:23:47,359 --> 00:23:48,000
Speaker 6: How annoying.

551
00:23:48,720 --> 00:23:48,960
Speaker 8: Guys.

552
00:23:49,280 --> 00:23:51,600
Speaker 2: I'd pay your parking fines, but you wouldn't pay mine.

553
00:23:52,560 --> 00:23:54,520
Speaker 6: I'm happy with that outcoud No. But I just think

554
00:23:54,720 --> 00:23:57,480
Speaker 6: if you're taking on the responsibility of driving in the

555
00:23:57,480 --> 00:23:59,320
Speaker 6: same way that you take on the responsibility of not

556
00:23:59,440 --> 00:24:02,360
Speaker 6: hitting someone with your car as the driver, you take

557
00:24:02,400 --> 00:24:05,000
Speaker 6: on the responsibility of not speeding and getting a speeding fine,

558
00:24:05,040 --> 00:24:07,520
Speaker 6: you take on the responsible and it sucks. Melbourne parking

559
00:24:07,680 --> 00:24:11,280
Speaker 6: the worst. The signs so confusing, like fully, no judgment

560
00:24:11,320 --> 00:24:13,960
Speaker 6: from rebabe. I've been there. But I do think and

561
00:24:14,000 --> 00:24:15,560
Speaker 6: I know that she's not gonna like this answer because

562
00:24:15,560 --> 00:24:17,600
Speaker 6: it is kind of a sucking answer because she's wanting

563
00:24:17,640 --> 00:24:18,680
Speaker 6: us to have her back, but.

564
00:24:19,080 --> 00:24:23,200
Speaker 2: I've got your back. Might not, but I do.

565
00:24:23,359 --> 00:24:27,800
Speaker 5: Emotionally I do. Yeah, technically technically not, but I emotionally do.

566
00:24:27,960 --> 00:24:30,960
Speaker 4: In reality, if I got a parking fine, you've met me,

567
00:24:31,080 --> 00:24:32,520
Speaker 4: do you really think I'm just going to be accepted

568
00:24:32,560 --> 00:24:36,359
Speaker 4: sitting down, I'm going to be arguing it. I'm gonna

569
00:24:36,359 --> 00:24:38,400
Speaker 4: be like, okay, cool, where were the signs? I didn't

570
00:24:38,400 --> 00:24:40,360
Speaker 4: see them? Can you please provide the photos of my.

571
00:24:40,359 --> 00:24:45,320
Speaker 6: Car coming full circle? Situation sucks? Don't support that either?

572
00:24:45,400 --> 00:24:48,159
Speaker 6: Do the payment things? Or did you know that? You

573
00:24:48,200 --> 00:24:50,240
Speaker 6: don't just have to copy fine? You can argue it,

574
00:24:50,640 --> 00:24:53,679
Speaker 6: and you can say if you've never had an infringement before,

575
00:24:53,760 --> 00:24:56,040
Speaker 6: they're very likely to be kind and let you off

576
00:24:56,040 --> 00:24:57,640
Speaker 6: with a want if you explain the situation you say

577
00:24:57,640 --> 00:24:58,800
Speaker 6: it was time.

578
00:24:59,400 --> 00:25:01,680
Speaker 4: I've never had infringement because I've talked my way out

579
00:25:01,680 --> 00:25:02,680
Speaker 4: of every single one of them.

580
00:25:02,960 --> 00:25:04,200
Speaker 5: Wow, that's really impressive.

581
00:25:04,320 --> 00:25:05,000
Speaker 6: No, that's not true.

582
00:25:05,160 --> 00:25:07,679
Speaker 4: That's gabby.

583
00:25:08,200 --> 00:25:10,840
Speaker 6: I've definitely had one instance where I felt like I

584
00:25:10,880 --> 00:25:13,159
Speaker 6: was not at fault and I said that, and I,

585
00:25:13,359 --> 00:25:15,080
Speaker 6: you know, the system was really kind to me, and

586
00:25:15,119 --> 00:25:20,159
Speaker 6: they system was going, yeah, they the find. So I

587
00:25:20,160 --> 00:25:21,879
Speaker 6: feel like, if you're in that situation where it was

588
00:25:21,920 --> 00:25:23,639
Speaker 6: really dark and maybe the sign was covered by some

589
00:25:23,760 --> 00:25:26,080
Speaker 6: leaves or whatever, the worst thing you can do is

590
00:25:26,080 --> 00:25:28,879
Speaker 6: appeal it and see what happens so that nobody is

591
00:25:29,000 --> 00:25:32,359
Speaker 6: stressed financially. But I think if I was the driver,

592
00:25:32,720 --> 00:25:34,600
Speaker 6: I would just be copying it on the chin personally.

593
00:25:35,280 --> 00:25:36,360
Speaker 2: But what are the people.

594
00:25:38,680 --> 00:25:39,120
Speaker 6: I did.

595
00:25:39,200 --> 00:25:41,520
Speaker 4: I thought that you guys would have my back, and

596
00:25:41,560 --> 00:25:43,080
Speaker 4: then you did it.

597
00:25:43,080 --> 00:25:45,640
Speaker 5: It's like a conger line of having each other's back.

598
00:25:46,000 --> 00:25:49,840
Speaker 4: Yeah, okay, the common line circle and it's just you

599
00:25:49,920 --> 00:25:53,159
Speaker 4: two holding hands watching me stand by myself in the is.

600
00:25:53,280 --> 00:25:55,000
Speaker 5: Yeah, nowadays, I really okay different.

601
00:25:55,440 --> 00:25:58,240
Speaker 4: So it turns out I'm actually in the minority here.

602
00:25:59,280 --> 00:26:03,240
Speaker 5: That's kindness. I'm fine, I'm not vacation.

603
00:26:04,480 --> 00:26:06,680
Speaker 4: I'm not surprised you guys are happy with this. I'm

604
00:26:06,720 --> 00:26:11,160
Speaker 4: not paying for lunch today. Just so you know, there

605
00:26:11,160 --> 00:26:13,720
Speaker 4: were a fair few comments, all of them really validating

606
00:26:13,760 --> 00:26:14,480
Speaker 4: the two of you.

607
00:26:14,960 --> 00:26:16,480
Speaker 2: It was their own fault. They're the driver.

608
00:26:16,800 --> 00:26:18,680
Speaker 4: I don't want to be splitting the cost for something

609
00:26:18,680 --> 00:26:20,600
Speaker 4: that was not my fault because I wasn't the driver.

610
00:26:21,200 --> 00:26:24,280
Speaker 4: Someone did say, get it, queen, thank you. I'd offer

611
00:26:24,320 --> 00:26:27,440
Speaker 4: to split, as it's not fair on the driver. Someone said,

612
00:26:27,480 --> 00:26:29,119
Speaker 4: I'd just be too scared to ask my friends to

613
00:26:29,160 --> 00:26:32,399
Speaker 4: split it, so I'd just pay it. Someone said, sadly,

614
00:26:32,600 --> 00:26:34,720
Speaker 4: I really think this one's on the driver. If you

615
00:26:34,800 --> 00:26:37,600
Speaker 4: got a speeding ticket, would you expect them to split it.

616
00:26:38,240 --> 00:26:41,440
Speaker 4: I swear you've got little minions in our community. Jessica

617
00:26:41,760 --> 00:26:44,320
Speaker 4: who just comment on things to have your back. It's

618
00:26:44,320 --> 00:26:48,640
Speaker 4: just me from ten thousand different accounts, be bothered.

619
00:26:50,000 --> 00:26:51,680
Speaker 6: She's got really great opinions.

620
00:26:52,160 --> 00:26:55,320
Speaker 4: Someone said, I don't think that they should be paying.

621
00:26:55,520 --> 00:26:58,200
Speaker 4: Maybe they should have paid for some fuel or shouting

622
00:26:58,200 --> 00:27:01,639
Speaker 4: in a drink or something, but not the fine. Someone

623
00:27:01,680 --> 00:27:03,600
Speaker 4: said this happened to me on the Gold Coast. My

624
00:27:03,680 --> 00:27:06,280
Speaker 4: friends just sent me their share without me even asking.

625
00:27:06,640 --> 00:27:07,560
Speaker 6: Oh that's nice.

626
00:27:07,680 --> 00:27:10,639
Speaker 2: See, that's nice. They are the types of friends I

627
00:27:10,880 --> 00:27:13,359
Speaker 2: want to have, knows.

628
00:27:14,000 --> 00:27:16,760
Speaker 4: Someone said, perhaps not splitting the whole cost, but they

629
00:27:16,800 --> 00:27:21,160
Speaker 4: definitely should have contributed towards petrol. I feel like everybody's

630
00:27:21,280 --> 00:27:25,640
Speaker 4: just beckon jests team today. Yeah, splitting it. Everyone could

631
00:27:25,640 --> 00:27:28,639
Speaker 4: have checked for parking signs and they drove and us petrol.

632
00:27:29,160 --> 00:27:32,639
Speaker 4: Someone said, nope, Unfortunately the cost goes straight to the

633
00:27:32,720 --> 00:27:35,520
Speaker 4: driver unless a friend pointed out where to park and

634
00:27:35,560 --> 00:27:36,800
Speaker 4: they disregarded it.

635
00:27:37,160 --> 00:27:37,840
Speaker 6: That's a good point.

636
00:27:37,920 --> 00:27:39,159
Speaker 5: That is a good point.

637
00:27:39,359 --> 00:27:42,120
Speaker 4: Yeah, if you're the passenger, that is not your responsibility.

638
00:27:42,280 --> 00:27:44,600
Speaker 4: Someone else said. Someone said, I think you can always

639
00:27:44,600 --> 00:27:47,080
Speaker 4: ask your friends, but be prepared for them to just

640
00:27:47,119 --> 00:27:50,600
Speaker 4: say no. So I'm not going to go on and

641
00:27:50,640 --> 00:27:53,720
Speaker 4: on because I genuinely think that you guys might be

642
00:27:54,359 --> 00:27:56,760
Speaker 4: in the majority here and I'm in the minority, and

643
00:27:56,840 --> 00:27:58,679
Speaker 4: going on and on is actually going to put me

644
00:27:58,720 --> 00:28:01,240
Speaker 4: in a worse off hole. So you know what, I'm

645
00:28:01,240 --> 00:28:03,480
Speaker 4: going to pay for the parking fines. Moving on, I'm

646
00:28:03,520 --> 00:28:05,360
Speaker 4: not going to ask you to pay for my parking

647
00:28:05,400 --> 00:28:09,080
Speaker 4: fines because you guys, you know you guys.

648
00:28:08,840 --> 00:28:18,040
Speaker 2: Will be walking your driving past. So yeah, we'll see

649
00:28:18,040 --> 00:28:19,040
Speaker 2: you on the flip side.

650
00:28:18,960 --> 00:28:20,800
Speaker 5: See you then, Bye bye everyone.

651
00:28:27,400 --> 00:28:29,919
Speaker 4: The advice shared on She's on the Money is general

652
00:28:29,960 --> 00:28:33,199
Speaker 4: in nature and does not consider your individual circumstances.

653
00:28:33,560 --> 00:28:35,680
Speaker 2: She's on the Money exists purely for.

654
00:28:35,760 --> 00:28:38,600
Speaker 4: Educational purposes and should not be relied upon to make

655
00:28:38,640 --> 00:28:41,920
Speaker 4: an investment or financial decision. If you do choose to

656
00:28:41,920 --> 00:28:45,200
Speaker 4: buy a financial product, read the PDS TMD and obtain

657
00:28:45,240 --> 00:28:49,680
Speaker 4: appropriate financial advice tailored towards your needs. Victoria Divine and

658
00:28:49,800 --> 00:28:52,880
Speaker 4: She's on the Money are authorized representatives of Money.

659
00:28:52,880 --> 00:28:54,920
Speaker 2: Sheper Pty lt D A

660
00:28:54,920 --> 00:28:57,520
Speaker 4: B N three two one IS six four nine two

661
00:28:57,560 --> 00:29:01,400
Speaker 4: seven seven zero eight AFSL four five one two eight

662
00:29:01,560 --> 00:29:06,800
Speaker 4: nine