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Speaker 1: My name's Sasha Bamblet. I'm a proud First Nations woman

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Speaker 1: and I'm here to acknowledge country t Glenn Young Ganya

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Speaker 1: Niana Kaka yah y and beIN Ahaka Nian our gay

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Speaker 1: In Mbini yakarum Jar Dominyamika Umagahawaka Woman Damon Imlan Bumba

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Speaker 1: ban Gadabomba in and now in wakah ghan On yak

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Speaker 1: rum Jar water Nadaa. Hello, beautiful friends, we gather on

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Speaker 1: the lands of the Aboriginal people. We thank, acknowledge and

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Speaker 1: respect the Abigin people's land that we're gathering on today.

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Speaker 1: Take pleasure in all the land and respect all that

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Speaker 1: you see. She's on the Money podcast acknowledges culture, country,

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Speaker 1: community and connections, bringing you the tools, knowledge and resources

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Speaker 1: for you to thrive.

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Speaker 2: She's on the Money.

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Speaker 3: 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: that makes personal finance fun, especially on Fridays. It's our

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Speaker 4: favorite day of the week because we get our team

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Speaker 4: together and we celebrate you our incredible.

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Speaker 5: She's on the Money community.

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Speaker 4: Mister Garci, She's here as always sharing her favorite money wins.

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Speaker 4: Miss Becksayed has a few cheeky broke tips, and today

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Speaker 4: we're going to be helping to answer money dilemma about

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Speaker 4: what you should do with your tax return and something

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Speaker 4: that you slid into our dms about should you be

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Speaker 4: footing the bill for a housemate.

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Speaker 5: That is working from home.

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Speaker 4: I feel like this is a good one, and we've

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Speaker 4: kind of touched on it before because you work from

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Speaker 4: home and your partner.

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Speaker 6: Does housemates the west from home, but it's also.

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Speaker 4: A different conversation when your housemate's not partners.

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Speaker 3: Well, that's it.

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Speaker 4: I get there before we get there, though, my loves,

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Speaker 4: How were your weeks?

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Speaker 3: You go first?

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Speaker 6: He's been good. I have just kind of in bubbing

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Speaker 6: along living life, not doing anything super exciting. To be honest,

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Speaker 6: I wish I had any fun to report, but gorgeous,

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Speaker 6: I don't.

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Speaker 3: It's okay, what about you? Really good week? I'm going

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Speaker 3: to Thailand in like three days. That's I'm sorry about that.

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Speaker 7: Talk about that just for one week because my girlfriend's

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Speaker 7: going over there for a dance retreat and she was

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Speaker 7: like a treat.

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Speaker 3: She's a dancer, isn't.

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Speaker 5: That Like I knew that, but like so very cool.

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Speaker 7: It's so like that of course, you know, like she's

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Speaker 7: already so hot and then she also is a dancer.

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Speaker 3: It's like this, you have lucked out. I know, I

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Speaker 3: don't know how I did it. I really didn't know

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Speaker 3: how to do this, but anyway, and so I'm not

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Speaker 3: going to meet her over there after the dance stuff.

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Speaker 7: I should really be listening more to what she's been

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Speaker 7: telling me, because I'm just calling it dance stuff.

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Speaker 3: But I'm sure there's more to it. So I'm kind

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Speaker 3: of excited for that. But I hate flying, so I'm anxious,

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Speaker 3: But that's okay.

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Speaker 5: What is your strategy when flooring?

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Speaker 2: Man?

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Speaker 5: If you're anxious?

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Speaker 7: I don't recommend this, but I either go to my

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Speaker 7: doctor right and I get some things prescribed, or I

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Speaker 7: just pinch my eyebrow so brow hard no that I'm like, no,

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Speaker 7: I can't focus on anything but the pain.

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Speaker 6: I do it.

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Speaker 3: I do like all my thighs. Like the pinching is

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Speaker 3: an annoying feeling.

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Speaker 5: You know, this is just not how I saw this

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Speaker 5: conversation going.

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Speaker 4: I thought you'd have like breathing strategies or something, and

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Speaker 4: you pinch yourself.

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Speaker 3: I need to disassociate, you know, But that's me, And

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Speaker 3: how about you VD.

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Speaker 4: Like when I fly, I you have a valium and

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Speaker 4: then have a red wine on the plane and I

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Speaker 4: find that does the job. Yeah, that does a job.

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Speaker 4: Can I medically recommend that?

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Speaker 5: Absolutely?

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Speaker 8: Not?

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Speaker 4: Is that probably irresponsible? Absolutely? But my doctor prescribed it,

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Speaker 4: so it must be legal. And nobody stopped me. Like

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Speaker 4: before they served me that red wine on the plane,

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Speaker 4: they went, like, you had a valium.

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Speaker 5: Maybe I have, Maybe I haven't.

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Speaker 3: Who's okay, it's so chill.

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Speaker 5: Yeah, No, my week has been good.

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Speaker 4: I just cannot seem to shake this post laryngitis voice,

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Speaker 4: and it is driving me insane because I actually feel fine,

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Speaker 4: you know when you're like, I'm fine, but my vocal

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Speaker 4: cards have not recovered, and like obviously I'm on the

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Speaker 4: pod right now, so I'm not exactly giving them any

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Speaker 4: type of chance to get better on their own. I've

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Speaker 4: just been willing it into reality. I've been like, no, tomorrow,

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Speaker 4: I'm waking up and I'll be fine.

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Speaker 5: And then I wake up and I actually sounds like

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Speaker 5: the devil. It sounds than thank you.

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Speaker 4: It's just really annoying because like then I feel like

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Speaker 4: my voice gets exhausted really quickly.

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Speaker 5: Yes, anyway, so live love laugh. I suppose just like Jess,

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Speaker 5: do you.

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Speaker 3: Guys report I had that a couple of years ago.

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Speaker 7: I feel like listeners hopefully remember it is Christmas time

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Speaker 7: and I was on the show, but I wasn't making

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Speaker 7: any sound, and so we're like dah, yeah, like listening,

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Speaker 7: you would be like they're responding.

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Speaker 3: To nothing because I wasn't making any noise.

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Speaker 5: It can be so it's the worst. Oh my god.

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Speaker 4: Before we dive any further in, would you guys like

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Speaker 4: to hear a little five star review? Read in my

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Speaker 4: husky voice? Yes, please, I knew you'd want this, especially Beck. Alright,

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Speaker 4: so we have a beautiful one from Steph b R.

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Speaker 4: So she says, thank you. I started listening to She's

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Speaker 4: on the Money in twenty nineteen, upon my sister's recommendation.

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Speaker 4: I was kid free and in my second year of

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Speaker 4: full time work. It helped me immensely to focus on

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Speaker 4: my savings goals and finance several overseas trips. Before and

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Speaker 4: after COVID hit your Christmas Savings episodes with a push,

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Speaker 4: I needed to start a Christmas savings account that I

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Speaker 4: add to fortnightly and saves me so much stress. Once

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Speaker 4: that wonderful time of year starts now that I'm a

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Speaker 4: mom of two small kids and money.

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Speaker 5: Is way more tight. I love the feeling of community.

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Speaker 4: She's on the Money Provides, and listening to v Jess

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Speaker 4: and Beck as I wheel the double.

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Speaker 5: Bram around makes my day. Oh wow is so cute.

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Speaker 5: That is so cute.

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Speaker 4: Well, hi, we met you in your single era and

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Speaker 4: now she's a mummy.

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Speaker 3: Yeah, wow, we grew with you.

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Speaker 4: I'm obsessed, Like, I just love our community so much,

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Speaker 4: like just the idea that like we have got to

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Speaker 4: hang out with people in just like such different life phases.

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Speaker 4: We're not just like a Oh I listened to that

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Speaker 4: podcast while it was relevant, Like I just thought that's

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Speaker 4: how our podcast would go.

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Speaker 5: I don't know if that's silly or not.

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Speaker 4: But then people are saying, I've listened to you for

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Speaker 4: literal years and my entire life's changed, but still relevant.

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Speaker 5: I'm like, yes, this is so good. A're still my friends.

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Speaker 7: That's so nice, and like we people associate us as

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Speaker 7: different paths like the walking the pram or oh it's

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Speaker 7: so cute.

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Speaker 3: I think it's really really sweet.

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Speaker 4: Someone messaged me on Instagram the other day and said

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Speaker 4: that they'd just driven to Adelaide and done a She's

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Speaker 4: on the Money binge listen. They'd organized their episodes so

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Speaker 4: that like they were like, all right, I'm going to

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Speaker 4: drive two hours to like this stop location. And she

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Speaker 4: picked a few episodes because she was like, in the morning,

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Speaker 4: I'm learning it about investing.

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Speaker 7: And I'm doing this.

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Speaker 4: And I was like, God, what You're like, that's crazy

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Speaker 4: crazy cool, that's really cool.

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Speaker 5: So just so you guys know, we went on a

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Speaker 5: road trip to Adelaide. I can't so for us.

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Speaker 3: Yeah, that's good.

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Speaker 5: Yeah, And we helped someone learn all about invest That's

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Speaker 5: so cool.

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Speaker 3: What a great idea.

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Speaker 5: It's so cute.

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Speaker 4: Anyway, Miss Jessica Greed she what money wins and confessions

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Speaker 4: are you bringing to the table?

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Speaker 6: Alrighty, first of this week, I've got a money win

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Speaker 6: it from Lisa, who said she automatically transfers a certain

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Speaker 6: amount towards her pet fund each week, which is meant

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Speaker 6: to cover like food and flenworm treatment things like that. However,

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Speaker 6: she makes sure she has a little bit of a

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Speaker 6: buffer on the amount that she transfers that overtime, it

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Speaker 6: slowly builds up. This week, she had to take one

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Speaker 6: of her goldens to the vet and there was enough

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Speaker 6: in there to cover the appointment the medicine, and she

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Speaker 6: bought a little treat for the cats as well from

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Speaker 6: the same pet fund. She said, it's such a good

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Speaker 6: feeling knowing that she had the money there pettily because

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Speaker 6: money's a little bit tighter while she's on matt leave.

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Speaker 6: And she did provide us a beautiful pet tax photo.

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Speaker 6: Well done, Lisa. Next, I've got a money confession from Madison,

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Speaker 6: who said she ticked an item off from her bucket list,

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Speaker 6: stopping at the Cookers County Cookies Factory in donald.

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Speaker 3: That's a bloody Halftimes fast.

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Speaker 6: She said she spent fifty three dollars on cookies and

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Speaker 6: merch and she's really happy. But she definitely didn't need

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Speaker 6: to do it. And there are a lot of people

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Speaker 6: who commented saying that like various things from the Cookers

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Speaker 6: County Cookies factory were very very good.

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Speaker 3: So God, where is this?

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Speaker 6: Where is I have in I'm assuming Cookers County, Okay,

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Speaker 6: not sure where that is because Country Cookies apologies, Cookers

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Speaker 6: Country Cookies.

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Speaker 5: I mean that feels still like a mouthful.

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Speaker 6: It is still a mouthful.

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Speaker 5: I will have to look good it.

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Speaker 6: I wonder if it's in Victoria. If it is, maybe

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Speaker 6: she's on the money road trip.

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Speaker 3: Yeah yeah, yeah, we're not too.

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Speaker 6: We love a sweet treet. Next, I've got a money

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Speaker 6: win from Jamie, who said my gym just installed a

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Speaker 6: coffee machine, so I'm saving six bucks a day by

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Speaker 6: not purchasing a coffee on the way to work.

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Speaker 5: Just so good.

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Speaker 4: My coffee machine has been sleighing recently, putting in the

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Speaker 4: hard yards. Yeah, one hundred percent. I got a new

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Speaker 4: brevel for those of you following along at home. As

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Speaker 4: I know, there was a question about like, well, coffee

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Speaker 4: machine did you pick?

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Speaker 5: Because I did a.

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Speaker 4: Whole Instagram thing a Brevel and then I buy my

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Speaker 4: beans at the local cafe, which is probably not a

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Speaker 4: money win, but I feel like we have it at

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Speaker 4: home now.

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Speaker 5: Yeah.

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Speaker 6: Same so perfu Well, Jamie said that she's now investing

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Speaker 6: that six dollars that she would have spent on a

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Speaker 6: coffee every day into a chares.

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Speaker 4: I need to say, okay, change to set that up,

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Speaker 4: because it's just it's mindless things and from little things,

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Speaker 4: big things grow.

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Speaker 3: Absolutely.

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Speaker 6: Next, I've got a money win from Celia, who said

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Speaker 6: she found address that she really wanted. The retail price

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Speaker 6: for it was one hundred and fifty dollars, so she

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Speaker 6: went on to deep op and found the exact same

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Speaker 6: dress for ten bucks stop. She put it it off

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Speaker 6: for eight and they accepted, so with eighteen dollars totally

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Speaker 6: including shipping.

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Speaker 5: That's such a funny win, which.

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Speaker 3: Is very well down.

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Speaker 6: Lastly, I have a money win from Aunt who said

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Speaker 6: they had to change the weekends that they were going

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Speaker 6: to visit a friend. Thankfully they hadn't booked their flights

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Speaker 6: yet and the weekend they ended up going is one

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Speaker 6: hundred twenty dollars week cheaper the weekend it was planned.

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Speaker 6: Love and also just the difference of a week that

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Speaker 6: your flights can make. If you have flexibility it can

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Speaker 6: be one.

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Speaker 5: Hundred dollars opion flight times.

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Speaker 6: Yeah, exactly right.

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Speaker 4: Happy to take one for the team sometimes it's worth it,

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Speaker 4: absolutely And then you can upgrade to business with your points.

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Speaker 4: And why would you not an out of ten missed?

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Speaker 4: What have you got for us when it comes to

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Speaker 4: broke tips this week?

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Speaker 7: So the first thing comes from Bridget who says Woolwa's

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Speaker 7: metro stores. If you have like a Woolies rewards card,

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Speaker 7: and you spend more than thirty dollars in one shop,

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Speaker 7: you get a voucher for a free coffee.

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Speaker 3: I did not know that.

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Speaker 5: That's actually such a good deal.

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Speaker 6: I don't know that either, man, that's so cool for

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Speaker 6: dinner that night or something.

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Speaker 3: And then get yeah, and well maybe.

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Speaker 7: It goes into your rewards app because I've never seen

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Speaker 7: I shove it a metro.

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Speaker 3: But that's really cool. Thank you, Bridget.

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Speaker 7: I will be using that constantly. And the next one

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Speaker 7: comes from Beck great game, My little cleaning broke tip.

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Speaker 7: I swear by five dollars seventy five methlated spirits from

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Speaker 7: Woolies with one lit lasting ages. I pour it into

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Speaker 7: those magnetic Kmart spray bottles. They stick to the fridge,

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Speaker 7: washing machine, garage shelves and use it for just about everything. Sorry,

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Speaker 7: magnetic spray bottles is low key genius. Yeah, that's machine

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Speaker 7: and stuff.

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Speaker 6: I can't rethlated spirits.

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Speaker 7: Well, just before anyone buys any she has a like

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Speaker 7: a recipe. It's the wrong words metho, yes, and you win.

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Speaker 7: Oh sorry, I'm sorry that was so slowly wind withds

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Speaker 7: rays fifty to fifty metho and water for streak free,

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Speaker 7: magic bench spray. I won't go through all these, but

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Speaker 7: if you go into the She's the Money your Facebook

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Speaker 7: group and just have a lookout for Bex brick tip.

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Speaker 4: Be very careful with your cleaning We're very careful with

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Speaker 4: your cleaning products, and don't mix cleaning products without checking.

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Speaker 6: At least it sounds like the method is being watered down.

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Speaker 3: Water down.

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Speaker 5: Yeah, but there's things you can't mix as well.

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Speaker 4: So if you're thinking, oh, that's great, I'll just add

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Speaker 4: my favorite cleaning product as well, don't do it because

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Speaker 4: I know that if you mix bleach and like vinegar,

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Speaker 4: for example, you create gas and that can actually seriously

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Speaker 4: harm you.

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Speaker 5: So don't mix things.

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Speaker 6: Really.

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Speaker 4: Yes, that's good to know. No mixing unless it's a

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Speaker 4: proper recipe. Alright, guys, Yeah, it's very good to know.

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Speaker 4: And then my broke tip. I came across this and

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Speaker 4: I think it's only for Victoria. I'm really sorry to say,

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Speaker 4: but right now me, it's only for Victoria.

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Speaker 7: Device. You can get a free water efficient share head

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Speaker 7: through the Victorian Energy Upgrades Program. This initiative, funded by

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Speaker 7: a Victorian government, aims to reduce water and energy consumption,

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Speaker 7: so you can just you already know it's going to

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Speaker 7: be one of those like weak as hell shower heads,

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Speaker 7: but it is, you know, it's still it's still good.

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Speaker 7: It's like a free shower head replacement. And I did

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Speaker 7: replace mine the other day, and I thought it would

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Speaker 7: be like five dollars. It's like one of those you know,

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Speaker 7: just this standards stock standard. It's like twenty three dollars.

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Speaker 7: So I'm like, that's actually such a good broke to

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Speaker 7: bougie tip. So like, if you live in a rental

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Speaker 7: more often than not, you can actually screw off a

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Speaker 7: shower head and store it in your bathroom cupboard and

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Speaker 7: put in one that you like. I remember, I lived

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Speaker 7: in a sharehouse for a very long time without that

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Speaker 7: knowledge and had the worst shower head, but it had

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Speaker 7: the best shower pressure. Yeah, So like I just remember it,

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Speaker 7: and I never changed the shower head. I just remember

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Speaker 7: the opportunity that presented.

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Speaker 4: I could have had a good shower head in that

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Speaker 4: shower and had an elite, elevated experience. You did it,

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Speaker 4: but it attacked me every time I went in there.

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Speaker 4: You know, like the ones that you get at the

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Speaker 4: swimming pool, you get stream it's kind of like there's

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Speaker 4: lots of holes, but they all go in one direction

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Speaker 4: and just like kind of beat the hell out of

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Speaker 4: you the second you get in the shower.

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Speaker 3: Yeah, I kind of like it.

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Speaker 6: Want a high pressure.

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Speaker 5: I like pressure everywhere, but like I need a bigger

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Speaker 5: shower head.

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Speaker 4: Anyway, you can purchase a shower head and you can

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Speaker 4: just screw it in on your own, very easy, and

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Speaker 4: like I would say, a bougie upgrade to yeah, your

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Speaker 4: next rental, Oh yeah, and don't forget it when you

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Speaker 4: move out, because that would be a money loss.

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Speaker 5: Is that it from you?

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Speaker 4: Beck? That is it for me?

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Speaker 7: But I was just going to say it is very

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Speaker 7: very quick and easy. I mean, if you have any troubles.

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Speaker 7: But when I moved into the sharehouse that I'm in now,

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Speaker 7: we had water just coming out of the wall.

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Speaker 3: That's so I was like, oh, well, we have no choice,

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Speaker 3: but I wish this was.

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Speaker 5: That's actually insane. Is that not the bare minimum?

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Speaker 3: I probably?

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Speaker 5: Oh God, but that's not willing to put up.

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Speaker 7: We're not going to be a botherea You just kind

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Speaker 7: of like put our hands against the wall and then

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Speaker 7: smash side.

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Speaker 5: All right, let's talk about this.

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Speaker 4: We're going to go to a break on the flip side,

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Speaker 4: We're going to be helping to answer money dilemma about

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Speaker 4: what you should be doing with your tax return and

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Speaker 4: something that you slid into our dms about should you

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Speaker 4: be footing the bill for a housemate that works from home? Guys,

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Speaker 4: don't go anywhere.

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Speaker 6: Welcome back, everybody. Let's take a listen to this week's

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Speaker 6: money dilemma.

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Speaker 8: Hi, there, have you got a money dilemma you just

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00:14:32,200 --> 00:14:32,760
Speaker 8: can't solve?

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Speaker 3: The Sheese on the Money team is here to help.

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Speaker 8: Every week, we tackle your dilemmas, both big and small,

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Speaker 8: to answer your most burning money, career and life questions.

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Speaker 8: To get involved, simply head to our website and leave

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Speaker 8: us a short voice recording and you might just find

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Speaker 8: yourself on the show.

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Speaker 3: Now, let's take a listen to this week's money dilemma.

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Speaker 2: Hije's on the Money, just wanting to get your opinion

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Speaker 2: on something. So I received quite a sizable tax return

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Speaker 2: and I'm just wondering what to do with a certain

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Speaker 2: portion of it. So I've already put a fair chunk

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Speaker 2: of it into my savings, and I've also topped up

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Speaker 2: my emergency fund topped up some of my savers. I

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Speaker 2: put some into my investments, and I of course kept

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Speaker 2: a little bit decided for a treat yourself moment. And

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Speaker 2: after having done all that, I have about five hundred

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Speaker 2: dollars left over. I'm just not quite sure what to

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Speaker 2: do with it. I have considered putting it into my superannuation,

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Speaker 2: and I was exploring the co contribution scheme, but I

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Speaker 2: just don't fully understand that scheme, so I'm not too

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Speaker 2: sure about that. But otherwise, I've got this five hundred

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Speaker 2: dollars and I'm not quite sure what to do with it.

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Speaker 2: And I'd love to hear what you guys would do

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Speaker 2: with five hundred dollars from a tax return. Thanks guys,

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Speaker 2: let's start with Beck.

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Speaker 8: Beck.

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Speaker 4: What are you doing five hundred bucks on your tax return?

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Speaker 3: Hmmm, such a good question.

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Speaker 7: And this is really not relevant to write now, but

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Speaker 7: I currently have one thousand dollars in my Shares's account.

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Speaker 5: Sorry, I would be putting it in.

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Speaker 3: You know, I don't even know how this happened. I

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Speaker 3: can't actually remember it. Just I put around the little things.

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Speaker 5: Yes, seriously, they grow.

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Speaker 3: I've never had that.

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Speaker 4: Just you know, you were crazy creating financial freedom for yourself.

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Speaker 4: Now tell me does feel good?

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Speaker 5: What does that feel like?

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Speaker 3: It feels very good.

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Speaker 7: And so with that five hundred probably, I mean I

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00:16:20,400 --> 00:16:23,720
Speaker 7: would definitely be really irresponsible, but I'm just trying to investment.

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Speaker 3: Think.

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Speaker 7: Yeah, I'm trying to think about Like, if I'm being

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Speaker 7: really responsible, i'd probably put it in chazyas.

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Speaker 4: But if you're not being responsible, I'm like, you're just

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Speaker 4: being back and no one's looking.

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Speaker 7: Oh my god, that would be gone in one nanosecond.

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Speaker 7: I have a long list of things that I want

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Speaker 7: to buy for my girlfriend, and you.

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Speaker 5: Are so lovely.

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Speaker 7: So as I said, as I said that, I was like,

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00:16:45,160 --> 00:16:47,080
Speaker 7: sounds so lame, but I also would buy I'd buy

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Speaker 7: like three vapes just so I don't have to keep

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Speaker 7: going back and forth every week, okay, And then I

404
00:16:51,680 --> 00:16:56,080
Speaker 7: would maybe buy like like an item of clothing, just one,

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Speaker 7: you know, I'm just like the same kind of clothes

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Speaker 7: every day kind of girl.

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Speaker 3: And then then yeah, it would just go. It would

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Speaker 3: be going to uber E.

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Speaker 4: It's I'd just be living large for a little while.

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Speaker 4: I love this, Miss Jessicricci. I think I know, but

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Speaker 4: I don't know.

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Speaker 6: Well, I just got my taxi turn back. Actuallyusly I'm

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Speaker 6: very lucky. I got a similar to our listener a

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Speaker 6: good return, and I did a similar thing investments, house deposit.

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Speaker 6: Not to be like that really boring person, but that's

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Speaker 6: where all my spare money goes. But I am a

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Speaker 6: big fan of a tax treet. You guys know, I

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Speaker 6: buy a tax treat every year. I think it's if

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00:17:25,760 --> 00:17:27,920
Speaker 6: you have it and you've paid all the things that

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Speaker 6: you should pay, it's kind of nice to let yourself

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Speaker 6: get one little treats like something else would. This year,

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Speaker 6: I haven't actually bought mine next only just come through,

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Speaker 6: but I like you back. I have like a wish

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Speaker 6: list of things. I was just looking at it, trying

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00:17:39,520 --> 00:17:42,399
Speaker 6: to think at yeah, because I keep a list on

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Speaker 6: my phone of like things like you know, what's really

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Speaker 6: high on my list? But it's too big for a

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Speaker 6: tax treat. I really need a Plartes Reformer, so maybe

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Speaker 6: I'll put it into my Pilarates reformer funf Yeah.

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Speaker 5: Yeah, Reformer ones keep appearing on my Instagram. Oh they're

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Speaker 5: so beautiful.

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Speaker 4: Ye they're not just like functional, they're pretty Anyway, Am.

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Speaker 5: I allowed to be a down or on this?

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Speaker 7: No?

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Speaker 4: I mean yes, your tax return is returning income to

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00:18:08,119 --> 00:18:11,600
Speaker 4: you that you paid over and above what you needed to.

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00:18:12,280 --> 00:18:15,159
Speaker 4: So it's not free money. It's actually your money that

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Speaker 4: you worked really hard to earn. And yes, it is

439
00:18:18,520 --> 00:18:21,399
Speaker 4: very attractive because oh lump some I can do whatever

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Speaker 4: I want. But like girl, that's still part of your

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Speaker 4: taxable income. If you made eighty thousand dollars, that's part

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Speaker 4: of the eighty thousand dollars. It's not like above and

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Speaker 4: beyond like it's literally your money that you worked your

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Speaker 4: butt off for. And don't get me wrong, we all

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Speaker 4: deserve a little treat, So don't get me wrong. I

446
00:18:37,359 --> 00:18:39,160
Speaker 4: don't think it's a bad thing, just that you're doing

447
00:18:39,240 --> 00:18:41,680
Speaker 4: your we're not anti taxing treat, but you're also a

448
00:18:41,800 --> 00:18:43,840
Speaker 4: very financially responsible human being.

449
00:18:44,200 --> 00:18:46,160
Speaker 5: So I kind of I'll let that one slide a lot.

450
00:18:46,359 --> 00:18:46,879
Speaker 5: I appreciate it.

451
00:18:47,200 --> 00:18:48,680
Speaker 4: But on the flip side, I think a lot of

452
00:18:48,800 --> 00:18:51,200
Speaker 4: us get it and we just immediately go free money.

453
00:18:51,320 --> 00:18:52,680
Speaker 5: It feels good. What are you doing?

454
00:18:52,800 --> 00:18:55,320
Speaker 4: Like the amount of women I have spoken to, And again,

455
00:18:55,720 --> 00:18:58,800
Speaker 4: no shade, no judgment. I actually don't care what you

456
00:18:58,880 --> 00:19:01,959
Speaker 4: do with your money. I could not give two flying

457
00:19:02,160 --> 00:19:04,359
Speaker 4: monkeys what you do with your money as long as

458
00:19:04,440 --> 00:19:07,119
Speaker 4: I have given you every single tool and every single

459
00:19:07,200 --> 00:19:10,200
Speaker 4: resource that I believe you deserve to make the decisions

460
00:19:10,240 --> 00:19:12,760
Speaker 4: that are right for you. Then go and make those decisions.

461
00:19:13,320 --> 00:19:13,879
Speaker 5: Go make them.

462
00:19:13,920 --> 00:19:15,840
Speaker 4: I don't care Beck you want to buy three vapes

463
00:19:16,200 --> 00:19:19,240
Speaker 4: hop off, Queen, I love that for you. But what

464
00:19:19,359 --> 00:19:21,360
Speaker 4: I want to remind people of is that is your

465
00:19:21,400 --> 00:19:23,680
Speaker 4: money and you worked really hard for it. And it's

466
00:19:23,760 --> 00:19:26,280
Speaker 4: not often, especially if we're not good at saving or

467
00:19:26,320 --> 00:19:28,639
Speaker 4: we're not good at investing, we are presented with a

468
00:19:28,760 --> 00:19:34,080
Speaker 4: lump sum opportunity to get ourselves ahead. So for me personally,

469
00:19:34,560 --> 00:19:36,680
Speaker 4: I would just whack it into my investment. Like, but

470
00:19:36,840 --> 00:19:40,880
Speaker 4: I already have a setup, tried, true strategy, Like I'm

471
00:19:41,400 --> 00:19:44,480
Speaker 4: when it comes to money, if you dug under the covers,

472
00:19:45,119 --> 00:19:49,240
Speaker 4: kind of boring, Like I'm not a massive spender on

473
00:19:49,400 --> 00:19:51,879
Speaker 4: clothes and stuff. I don't know if people even pay

474
00:19:51,960 --> 00:19:54,679
Speaker 4: attention to that anymore. Like I feel like I wear

475
00:19:54,720 --> 00:19:57,320
Speaker 4: the same jumper, are the same jeans on rotation every

476
00:19:57,400 --> 00:20:00,520
Speaker 4: single week. It actually really annoys our video wayit to

477
00:20:00,560 --> 00:20:03,680
Speaker 4: Brook because she's like, Victoria, you wear the same thing

478
00:20:03,840 --> 00:20:05,960
Speaker 4: over and over again, so it looks like we recorded

479
00:20:06,040 --> 00:20:07,160
Speaker 4: everything within the same day.

480
00:20:08,119 --> 00:20:10,600
Speaker 5: That's un lucky for you. That's so lucky for you.

481
00:20:10,720 --> 00:20:12,520
Speaker 4: That looks a lot like not a me problem. My

482
00:20:12,600 --> 00:20:14,600
Speaker 4: hair might be different because I didn't wush it one day.

483
00:20:14,840 --> 00:20:18,159
Speaker 4: Yeah yeah, Anyway, for me, it's about putting future you

484
00:20:18,280 --> 00:20:21,080
Speaker 4: in the best possible position. And if you are ridiculously

485
00:20:21,119 --> 00:20:23,960
Speaker 4: excited about getting your tax return, I get it. But

486
00:20:24,119 --> 00:20:26,840
Speaker 4: that's probably because you don't have access to a lot

487
00:20:26,880 --> 00:20:29,920
Speaker 4: of funds right now. Like when it's five hundred dollars

488
00:20:29,960 --> 00:20:32,080
Speaker 4: but you've already got one hundred thousand dollars invested, you're

489
00:20:32,119 --> 00:20:34,040
Speaker 4: kind of like, Okay, cool, I'm going to do the

490
00:20:34,160 --> 00:20:37,639
Speaker 4: right thing. But when you get five hundred dollars and

491
00:20:37,840 --> 00:20:40,040
Speaker 4: you don't have five hundred dollars in your account, you

492
00:20:40,119 --> 00:20:44,960
Speaker 4: just see endless possibility. I do want you to seriously consider.

493
00:20:45,960 --> 00:20:47,800
Speaker 4: Have I got an emergency fund set up? Could I

494
00:20:47,880 --> 00:20:50,280
Speaker 4: top that up? What could that look like? Have I

495
00:20:50,359 --> 00:20:52,760
Speaker 4: got some bills due that I could take some pressure off,

496
00:20:52,960 --> 00:20:55,680
Speaker 4: like future me for because as much as like an

497
00:20:55,720 --> 00:20:58,960
Speaker 4: air wrap or a pilarate's reform or or anything good, like,

498
00:20:59,080 --> 00:21:01,800
Speaker 4: I get it, I want that stuff too. Is fun.

499
00:21:02,240 --> 00:21:05,320
Speaker 4: I can almost promise you that, oh, five hundred dollars

500
00:21:05,400 --> 00:21:07,960
Speaker 4: maybe I'll put two hundred and fifty dollars on credit

501
00:21:08,000 --> 00:21:10,879
Speaker 4: to my energy company so that I don't get bit

502
00:21:10,960 --> 00:21:13,439
Speaker 4: in the butt next time that comes around. And future

503
00:21:13,640 --> 00:21:15,480
Speaker 4: is going to be like, oh, that was so good

504
00:21:15,520 --> 00:21:18,040
Speaker 4: when your bill does come and it's fifteen dollars. So

505
00:21:18,160 --> 00:21:20,480
Speaker 4: for me, I think it's about driving home what is

506
00:21:20,560 --> 00:21:22,440
Speaker 4: important to you. I know you set everything up, but

507
00:21:22,560 --> 00:21:25,239
Speaker 4: could you, you know, turbo charge your investment a little bit,

508
00:21:25,359 --> 00:21:28,600
Speaker 4: or turbo charge your savings account. I hate the fact

509
00:21:28,680 --> 00:21:30,600
Speaker 4: that we're in the middle of a cost of living crisis.

510
00:21:31,240 --> 00:21:33,320
Speaker 4: We're going to need that money at some point. Yeah,

511
00:21:33,480 --> 00:21:34,640
Speaker 4: it's not free money.

512
00:21:34,800 --> 00:21:35,000
Speaker 1: Yeah.

513
00:21:35,160 --> 00:21:37,520
Speaker 6: And on the government co contribution thing, am I right

514
00:21:37,680 --> 00:21:41,720
Speaker 6: in remembering that that is mainly targeted at low income earners,

515
00:21:41,760 --> 00:21:44,040
Speaker 6: So check that you qualify before you put the money in.

516
00:21:44,160 --> 00:21:44,320
Speaker 1: Yeah.

517
00:21:44,320 --> 00:21:46,400
Speaker 4: I would go to the ATO website and just check

518
00:21:46,480 --> 00:21:48,480
Speaker 4: what's going on. I mean, you want a turbo charge

519
00:21:48,480 --> 00:21:51,280
Speaker 4: your suberannuation. I'm all about that because if you contributed

520
00:21:51,320 --> 00:21:53,680
Speaker 4: it today as well next tax return, you can claim

521
00:21:53,720 --> 00:21:55,840
Speaker 4: that contribution on tax again, which that you're just like

522
00:21:56,000 --> 00:21:59,960
Speaker 4: taxi taxi taxi can work for you. But I also

523
00:22:00,000 --> 00:22:02,840
Speaker 4: so I think, how can you get ahead. How can

524
00:22:02,880 --> 00:22:04,720
Speaker 4: you put future you in the best possible position.

525
00:22:04,920 --> 00:22:05,320
Speaker 5: I get it.

526
00:22:05,520 --> 00:22:08,520
Speaker 4: Get a little treat. Yeah, like I'm a sweet trearee.

527
00:22:08,880 --> 00:22:11,280
Speaker 4: You are never going to catch me going, oh my god,

528
00:22:12,000 --> 00:22:14,560
Speaker 4: I can do the fire. I could do financial independence,

529
00:22:14,600 --> 00:22:16,800
Speaker 4: retire early and save all my money. That's not for me,

530
00:22:16,960 --> 00:22:20,560
Speaker 4: but I am about Let's create a secure financial house

531
00:22:20,680 --> 00:22:22,280
Speaker 4: that you can live in comfortably.

532
00:22:22,760 --> 00:22:25,560
Speaker 5: Yeah, let's do that. Yeah, put future you in the

533
00:22:25,640 --> 00:22:26,200
Speaker 5: driver's seat.

534
00:22:26,440 --> 00:22:26,720
Speaker 8: Cool.

535
00:22:26,800 --> 00:22:27,280
Speaker 5: I love you.

536
00:22:27,560 --> 00:22:31,440
Speaker 3: She'll think you're so cool and that's why you're where

537
00:22:31,480 --> 00:22:32,119
Speaker 3: you are today.

538
00:22:32,640 --> 00:22:36,520
Speaker 4: Exactly right, crying and I don't have a reformer. H yeah,

539
00:22:38,440 --> 00:22:43,560
Speaker 4: yeahsolutely absolutely all right. So our DM this week. Hi,

540
00:22:43,680 --> 00:22:45,800
Speaker 4: she's on the money. My fine works from home and

541
00:22:45,920 --> 00:22:48,240
Speaker 4: I'm on the road all the time. We split bills

542
00:22:48,320 --> 00:22:51,000
Speaker 4: like power and internet fifty to fifty. But he can

543
00:22:51,040 --> 00:22:53,119
Speaker 4: claim part of that back on his tax return.

544
00:22:53,320 --> 00:22:54,200
Speaker 5: Well I can't.

545
00:22:54,800 --> 00:22:57,040
Speaker 4: I'm not sure if it really makes a big difference,

546
00:22:57,320 --> 00:22:59,840
Speaker 4: but it's been on my mind because our last power

547
00:23:00,400 --> 00:23:04,520
Speaker 4: was huge. He's getting a really big tax return surprise coincidence,

548
00:23:05,000 --> 00:23:08,399
Speaker 4: and I've got an unexpected bill from a payroll error.

549
00:23:08,960 --> 00:23:10,879
Speaker 4: I agreed to fifty to fifty when I moved in,

550
00:23:11,119 --> 00:23:13,280
Speaker 4: so I've never had an issue with it, but now

551
00:23:13,320 --> 00:23:16,119
Speaker 4: I'm wondering if I'm kind of subsidizing his work.

552
00:23:16,000 --> 00:23:16,960
Speaker 5: From home costs.

553
00:23:17,359 --> 00:23:20,120
Speaker 4: Do other people take this into account when splitting bills

554
00:23:20,160 --> 00:23:23,159
Speaker 4: with a partner or housemates or am I just overthinking this.

555
00:23:24,760 --> 00:23:28,240
Speaker 7: I'd be curious to know how often you're this person's

556
00:23:28,240 --> 00:23:30,200
Speaker 7: on the road, because it sounds like they're like a

557
00:23:30,240 --> 00:23:33,359
Speaker 7: lot of their job is kind of like they're often

558
00:23:33,440 --> 00:23:34,440
Speaker 7: not even home at all.

559
00:23:34,600 --> 00:23:36,520
Speaker 3: I would be a bit irritated that, Like, like.

560
00:23:36,520 --> 00:23:38,359
Speaker 7: If it was the other way around, if I was

561
00:23:38,440 --> 00:23:40,520
Speaker 7: working from home all the time and my partner was

562
00:23:40,640 --> 00:23:43,320
Speaker 7: not really and then we had a huge energy bill,

563
00:23:43,600 --> 00:23:46,320
Speaker 7: they wouldn't even have to use expend any mental energy

564
00:23:46,320 --> 00:23:49,920
Speaker 7: at all. I would be like, Wow, I'm home most

565
00:23:49,920 --> 00:23:52,480
Speaker 7: of the time. I'm going to figure this out so

566
00:23:53,080 --> 00:23:55,679
Speaker 7: you don't have to be paying fifty to fifty. Also

567
00:23:56,200 --> 00:23:57,679
Speaker 7: that the fact that you can get a little bit

568
00:23:57,720 --> 00:23:59,160
Speaker 7: back on tax so you can claim in on tax

569
00:23:59,720 --> 00:24:02,680
Speaker 7: would absolutely come to my mind, and I, like the

570
00:24:02,760 --> 00:24:04,879
Speaker 7: other person wouldn't need to think twice about it. I

571
00:24:04,880 --> 00:24:08,320
Speaker 7: would already be like, cool, this is the split because

572
00:24:08,400 --> 00:24:09,800
Speaker 7: I'm always home, You're never home.

573
00:24:10,160 --> 00:24:12,119
Speaker 3: You know, like it's so annoying that that's.

574
00:24:12,040 --> 00:24:15,879
Speaker 4: Not just like a default thing but just goes to

575
00:24:16,040 --> 00:24:19,560
Speaker 4: logic and putting the other person in the best possible suction, because.

576
00:24:19,320 --> 00:24:21,520
Speaker 7: Then you're you feel awkward and you've got to like

577
00:24:21,760 --> 00:24:23,400
Speaker 7: maybe you will have a fight, maybe you won't, maybe

578
00:24:23,400 --> 00:24:26,120
Speaker 7: they'll get angry maybe, and so it's just like anxiety inducing,

579
00:24:26,200 --> 00:24:28,040
Speaker 7: you know what I mean. So that sucks, and I'm

580
00:24:28,040 --> 00:24:31,440
Speaker 7: really sorry. But with that, it's probably pretty clear where

581
00:24:31,480 --> 00:24:34,520
Speaker 7: I sit on this. I think absolutely really like it

582
00:24:34,600 --> 00:24:36,359
Speaker 7: should be about and I think this is the right

583
00:24:36,400 --> 00:24:37,120
Speaker 7: word equity.

584
00:24:37,600 --> 00:24:37,639
Speaker 4: No.

585
00:24:37,920 --> 00:24:42,840
Speaker 7: Yes, And if you're home far less, like if you're

586
00:24:42,880 --> 00:24:46,879
Speaker 7: home every evening, then maybe like from five pm onward,

587
00:24:47,200 --> 00:24:48,919
Speaker 7: maybe it kind of all comes out in the wash.

588
00:24:49,040 --> 00:24:51,520
Speaker 7: But still you still shouldn't be paying as much. But

589
00:24:51,600 --> 00:24:53,640
Speaker 7: if you're like on the road a lot and you're

590
00:24:54,119 --> 00:24:56,320
Speaker 7: barely home except for on the weekends or something like that,

591
00:24:56,480 --> 00:25:00,520
Speaker 7: then it's a no brainer. It's a no brainer that

592
00:25:00,760 --> 00:25:03,879
Speaker 7: your partner should be paying like seventy percent depending on

593
00:25:04,359 --> 00:25:07,240
Speaker 7: figure out how how often your home. If it's thirty

594
00:25:07,240 --> 00:25:09,920
Speaker 7: percent of the time, then you pay in thirty percent

595
00:25:09,960 --> 00:25:11,320
Speaker 7: of the energy, you know what I mean.

596
00:25:11,600 --> 00:25:13,240
Speaker 3: So yeah, I don't know. I feel like it's a

597
00:25:13,280 --> 00:25:15,000
Speaker 3: no brainer for me. You should definitely be paying less.

598
00:25:15,280 --> 00:25:19,680
Speaker 6: Yeah, to play Devil's Advocate. Interestingly, energy off peak rates

599
00:25:19,720 --> 00:25:21,720
Speaker 6: are during the day, so it's actually cheaper to use

600
00:25:21,840 --> 00:25:24,600
Speaker 6: energy during the day than it is in the evenings.

601
00:25:24,720 --> 00:25:27,639
Speaker 6: Generally speaking, I would say, yeah, kind of like similar

602
00:25:27,640 --> 00:25:29,640
Speaker 6: to working out if you have a provider, or maybe

603
00:25:29,680 --> 00:25:32,000
Speaker 6: look at change into a provider. Some providers allow you

604
00:25:32,080 --> 00:25:34,080
Speaker 6: to track your hourly energy U see, which I think

605
00:25:34,119 --> 00:25:35,760
Speaker 6: that's a really good way to look at it, because

606
00:25:35,760 --> 00:25:38,399
Speaker 6: if I think about me working from home, the only

607
00:25:38,640 --> 00:25:43,520
Speaker 6: significant electrical cost is heating cooling, like when I'm not

608
00:25:43,640 --> 00:25:45,960
Speaker 6: using lights because it's daytime, so I don't actually need

609
00:25:46,000 --> 00:25:46,639
Speaker 6: to turn the lights on.

610
00:25:47,320 --> 00:25:50,400
Speaker 5: I will tell you, also pretty good with the heater

611
00:25:50,480 --> 00:25:51,280
Speaker 5: in the cooler anyway.

612
00:25:51,359 --> 00:25:52,800
Speaker 6: Well, I was gonna say, the way that we've kind

613
00:25:52,840 --> 00:25:55,000
Speaker 6: of worked it out is we'll turn the heater on

614
00:25:55,000 --> 00:25:57,159
Speaker 6: in the morning when we're both home. As soon as

615
00:25:57,200 --> 00:25:59,560
Speaker 6: it hits like eighteen degrees, like a comfortable temperature. We

616
00:25:59,640 --> 00:26:02,080
Speaker 6: then it to like our holding temperature, which is like

617
00:26:02,240 --> 00:26:02,800
Speaker 6: thirteen four.

618
00:26:03,000 --> 00:26:05,119
Speaker 5: Would have left it on that anyway, correct, So.

619
00:26:05,200 --> 00:26:07,160
Speaker 6: Like we've kind of worked out and that was something

620
00:26:07,200 --> 00:26:09,080
Speaker 6: we had to kind of trial and error, Like we

621
00:26:09,200 --> 00:26:11,920
Speaker 6: went through a phase where our heating bill was astronomically high,

622
00:26:11,960 --> 00:26:14,880
Speaker 6: and absolutely I recognized, Okay, well, i'm home a lot

623
00:26:15,040 --> 00:26:17,520
Speaker 6: like does need to be on let's change that. But

624
00:26:17,680 --> 00:26:19,840
Speaker 6: I think looking at the breakdown actually would probably be

625
00:26:19,960 --> 00:26:22,480
Speaker 6: quite interesting because if I reflect on, like me being

626
00:26:22,520 --> 00:26:26,359
Speaker 6: at home, the electricity usage would actually be relatively minimal

627
00:26:26,600 --> 00:26:29,240
Speaker 6: outside of here and calling, which we've obviously now found

628
00:26:29,240 --> 00:26:31,680
Speaker 6: a middle ground on. Obviously, like me and my partner

629
00:26:31,680 --> 00:26:32,960
Speaker 6: are spoke about it. He's really happy for it to

630
00:26:32,960 --> 00:26:34,760
Speaker 6: be fifty to fifty, he says, up late when I

631
00:26:34,800 --> 00:26:36,199
Speaker 6: go to bed. So for us, it kind of does

632
00:26:36,280 --> 00:26:38,639
Speaker 6: come out in the wash, but it would be if

633
00:26:38,680 --> 00:26:40,400
Speaker 6: that's something that's on your mind, so you're stressing about,

634
00:26:40,400 --> 00:26:42,440
Speaker 6: I think, exactly as you said, finding a way to

635
00:26:43,200 --> 00:26:46,159
Speaker 6: quantify the difference in usage the difference in cost is

636
00:26:46,240 --> 00:26:49,720
Speaker 6: important because it may also be that you might discover,

637
00:26:49,920 --> 00:26:52,520
Speaker 6: oh well, actually in the evenings when we're both home

638
00:26:52,640 --> 00:26:54,879
Speaker 6: and peak usage is really high and we're running the

639
00:26:54,960 --> 00:26:57,239
Speaker 6: TV and the dryer and cooking dinner and doing all

640
00:26:57,320 --> 00:26:59,840
Speaker 6: of those things. That accounts for a lot of our

641
00:27:00,000 --> 00:27:02,560
Speaker 6: electricity usage. And you don't realize it so, and it

642
00:27:02,600 --> 00:27:03,680
Speaker 6: could be the other way. It could be that the

643
00:27:03,760 --> 00:27:06,879
Speaker 6: daytime usage is absolutely eating up, in which case completely

644
00:27:07,000 --> 00:27:09,040
Speaker 6: agree equity is the way to go if that's what

645
00:27:09,160 --> 00:27:11,440
Speaker 6: you want, and that's very fair and valid. But I

646
00:27:11,560 --> 00:27:14,720
Speaker 6: think having an understanding of how it actually all breaks down,

647
00:27:14,880 --> 00:27:18,440
Speaker 6: because it isn't quite as black and white as whoeverres

648
00:27:18,480 --> 00:27:21,159
Speaker 6: grown is what the usage equals, it's just worth considering.

649
00:27:21,200 --> 00:27:21,919
Speaker 6: I would say, it's a.

650
00:27:21,880 --> 00:27:23,200
Speaker 5: Really good pose, that's really fair.

651
00:27:23,600 --> 00:27:26,440
Speaker 4: I feel like I'm kind of on both sides, Like

652
00:27:26,760 --> 00:27:30,119
Speaker 4: if you're working from home more consistently, I would also

653
00:27:30,200 --> 00:27:33,040
Speaker 4: assume that your grocery bill is being impacted by this,

654
00:27:33,200 --> 00:27:36,760
Speaker 4: because maybe they're eating lunch at home or regularly. I'd

655
00:27:36,800 --> 00:27:39,000
Speaker 4: be like, Okay, how do we split this and what

656
00:27:39,200 --> 00:27:41,800
Speaker 4: is fair? I mean, for me personally, it's never been

657
00:27:41,880 --> 00:27:43,800
Speaker 4: something that I've had to discuss. I've never lived with

658
00:27:43,880 --> 00:27:45,920
Speaker 4: someone who worked from home, and if they did, it

659
00:27:46,119 --> 00:27:49,119
Speaker 4: was like an odd rarity because I had housemates all

660
00:27:49,200 --> 00:27:51,520
Speaker 4: prior to COVID and we weren't allowed to work from home.

661
00:27:52,040 --> 00:27:54,320
Speaker 4: And now my husband works from home a bit. I

662
00:27:54,440 --> 00:27:56,080
Speaker 4: work from home a bit, and it's just not something

663
00:27:56,119 --> 00:27:58,600
Speaker 4: I've really thought of. But I do think the equity

664
00:27:58,680 --> 00:28:01,960
Speaker 4: thing is the fairest because it's like, well, I don't know,

665
00:28:02,200 --> 00:28:04,879
Speaker 4: maybe your partner isn't as considerate as a jest in

666
00:28:04,960 --> 00:28:07,600
Speaker 4: this situation and does have the heater on twenty four

667
00:28:07,960 --> 00:28:09,840
Speaker 4: all day while you're out, all the lights are on,

668
00:28:10,080 --> 00:28:12,920
Speaker 4: like they leave the fridge open. Who knows at which

669
00:28:12,960 --> 00:28:15,080
Speaker 4: point I would probably be saying, Hey, how do I

670
00:28:15,200 --> 00:28:19,120
Speaker 4: have this conversation? I don't think any conversation is unwarranted,

671
00:28:19,600 --> 00:28:22,879
Speaker 4: but like I would be open to what their thoughts

672
00:28:22,920 --> 00:28:25,359
Speaker 4: are on that first, not going to them with a solution.

673
00:28:25,600 --> 00:28:27,520
Speaker 4: I'd be like, hey, do we need a solution for

674
00:28:27,600 --> 00:28:30,000
Speaker 4: this because this kind of seems crazy? Or blame the

675
00:28:30,080 --> 00:28:32,240
Speaker 4: Shees on the Money community and say, oh, someone in

676
00:28:32,280 --> 00:28:33,840
Speaker 4: the Shees on the Money community you was saying they

677
00:28:34,080 --> 00:28:36,640
Speaker 4: slip their bills like this. Differently, should we be relooking

678
00:28:36,680 --> 00:28:39,600
Speaker 4: at ours because you work from home and seeing what happens,

679
00:28:39,640 --> 00:28:41,320
Speaker 4: because I think that that can be a little less

680
00:28:41,400 --> 00:28:43,720
Speaker 4: confrontational because you're right back, Like if you get the

681
00:28:43,760 --> 00:28:46,160
Speaker 4: bill and then you have to have the conversation, that

682
00:28:46,320 --> 00:28:48,480
Speaker 4: can be quite confrontational, and they'll be like, oh, I

683
00:28:48,520 --> 00:28:50,040
Speaker 4: don't what the hell you said you.

684
00:28:50,080 --> 00:28:50,760
Speaker 5: Pay fifty cent?

685
00:28:50,840 --> 00:28:53,360
Speaker 4: While you're going back on that as opposed to an open,

686
00:28:53,440 --> 00:28:55,000
Speaker 4: honest conversation about.

687
00:28:54,840 --> 00:28:57,520
Speaker 5: Like, okay, times have changed. Yeah I saw this thing.

688
00:28:57,960 --> 00:28:59,000
Speaker 5: Could this benefit us?

689
00:28:59,360 --> 00:28:59,560
Speaker 8: Yeah?

690
00:28:59,720 --> 00:29:01,720
Speaker 5: Yeah, absolutely, that's probably where I'm sitting.

691
00:29:01,880 --> 00:29:02,880
Speaker 6: What did everybody else say?

692
00:29:03,120 --> 00:29:05,640
Speaker 4: So obviously we all had thoughts and feelings, but we

693
00:29:05,720 --> 00:29:08,440
Speaker 4: first asked a few questions. First question was, what is

694
00:29:08,520 --> 00:29:11,719
Speaker 4: the work from home situation in your house? Forty eight

695
00:29:11,760 --> 00:29:13,720
Speaker 4: percent of you said one or some of us work

696
00:29:13,760 --> 00:29:16,800
Speaker 4: from home, forty percent said none of us work from home,

697
00:29:17,040 --> 00:29:19,760
Speaker 4: and twelve percent said all of us work from home.

698
00:29:20,680 --> 00:29:22,920
Speaker 4: We then said what would you do in this situation?

699
00:29:23,560 --> 00:29:27,959
Speaker 4: Thirty six percent said, add the tax refund to the bills, kitty, Oh,

700
00:29:28,000 --> 00:29:30,360
Speaker 4: that's a good idea. Yeah, thirty two percent said it

701
00:29:30,560 --> 00:29:32,800
Speaker 4: just based on usage, and the other thirty two percent

702
00:29:32,880 --> 00:29:36,360
Speaker 4: said keep it fifty fifty. Now, we also went to

703
00:29:36,400 --> 00:29:38,480
Speaker 4: the community and said, guys, what is your two cents?

704
00:29:38,560 --> 00:29:41,080
Speaker 4: First person said he should only be claiming tax back

705
00:29:41,200 --> 00:29:42,960
Speaker 4: on the portion of bills he paid, not the full

706
00:29:43,000 --> 00:29:45,400
Speaker 4: bill anyway, which is true. Yeah, it's a good point.

707
00:29:46,160 --> 00:29:48,880
Speaker 4: Next person said, tell them to buy you something pretty.

708
00:29:49,760 --> 00:29:51,680
Speaker 6: I'm not mad about that as a solution, I'm going

709
00:29:51,720 --> 00:29:52,360
Speaker 6: to be really honest.

710
00:29:53,360 --> 00:29:55,560
Speaker 4: I put it in there because I was like, that's funny.

711
00:29:56,040 --> 00:29:59,080
Speaker 4: Next person said, these situations can turn into tit for tat.

712
00:29:59,160 --> 00:30:01,800
Speaker 4: For example, I'm not home on the weekends, though I

713
00:30:01,880 --> 00:30:04,040
Speaker 4: go to footy all day. Yeah, and I don't use

714
00:30:04,080 --> 00:30:04,520
Speaker 4: any power.

715
00:30:04,680 --> 00:30:05,160
Speaker 5: What about that?

716
00:30:05,600 --> 00:30:07,480
Speaker 4: So I think we need to just zoom out and

717
00:30:07,520 --> 00:30:09,520
Speaker 4: have a holistic view of these things before we start

718
00:30:09,520 --> 00:30:13,240
Speaker 4: a conversation. Next person said, Internet built same either way.

719
00:30:13,400 --> 00:30:17,360
Speaker 4: Electrocity would be hardly a little different overthinking, but it's

720
00:30:17,400 --> 00:30:20,200
Speaker 4: good to be aware. Next person said, I work from

721
00:30:20,200 --> 00:30:23,360
Speaker 4: home two or three out of three days. I try

722
00:30:23,400 --> 00:30:26,200
Speaker 4: not to add edy additional power minus my laptop because

723
00:30:26,280 --> 00:30:28,040
Speaker 4: that shit is no true.

724
00:30:28,200 --> 00:30:28,400
Speaker 7: Yeah.

725
00:30:28,640 --> 00:30:31,120
Speaker 4: Next person said if this was a housemate, I'd probably

726
00:30:31,120 --> 00:30:32,600
Speaker 4: have an issue, but with a partner, I think it

727
00:30:32,720 --> 00:30:33,520
Speaker 4: balances out.

728
00:30:34,080 --> 00:30:37,520
Speaker 5: And then another person said, equity is not equal.

729
00:30:38,120 --> 00:30:39,920
Speaker 4: Fifty to fifty only works if you are using and

730
00:30:40,000 --> 00:30:43,480
Speaker 4: earning exactly the same, Otherwise you need to split proportionally.

731
00:30:43,680 --> 00:30:45,880
Speaker 4: You've been in the comment section back it sounds a

732
00:30:45,920 --> 00:30:48,760
Speaker 4: little bit like me. And then the last one that

733
00:30:48,800 --> 00:30:50,240
Speaker 4: I'm going to leave you with is a really good

734
00:30:50,320 --> 00:30:52,560
Speaker 4: contribution and they said Finder dot com dot A, you

735
00:30:52,960 --> 00:30:55,239
Speaker 4: actually has a really good breakdown of what worked from

736
00:30:55,320 --> 00:30:56,400
Speaker 4: home costs look like.

737
00:30:56,720 --> 00:30:58,240
Speaker 5: Have a look and go from there.

738
00:30:58,320 --> 00:31:00,960
Speaker 4: Oh lover, we've got a little resource, we've got a

739
00:31:01,040 --> 00:31:05,120
Speaker 4: little opinion. You got everything I think from that response. Yeah, guys,

740
00:31:05,440 --> 00:31:07,080
Speaker 4: I think that's a very good way to wrap it.

741
00:31:07,600 --> 00:31:09,920
Speaker 4: Thank you for doing another Friday episode with me, and

742
00:31:09,920 --> 00:31:11,880
Speaker 4: we'll see you write nearly your Monday for money Darry.

743
00:31:11,920 --> 00:31:13,360
Speaker 5: Have a good weekend, Hi, guys.

744
00:31:13,480 --> 00:31:21,880
Speaker 8: By The advice shared on She's on the Money is

745
00:31:22,000 --> 00:31:25,560
Speaker 8: general in nature and does not consider your individual circumstances.

746
00:31:25,960 --> 00:31:29,320
Speaker 8: She's on the Money exists purely for educational purposes and

747
00:31:29,400 --> 00:31:31,800
Speaker 8: should not be relied upon to make an investment or

748
00:31:31,920 --> 00:31:35,479
Speaker 8: financial decision. If you do choose to buy a financial product,

749
00:31:35,600 --> 00:31:39,520
Speaker 8: read the PDS TMD and obtain appropriate financial advice tailored

750
00:31:39,560 --> 00:31:43,000
Speaker 8: towards your needs. Victoria Divine and She's on the Money

751
00:31:43,080 --> 00:31:48,000
Speaker 8: are authorized representatives of Money sirper Pty Ltd ABN three

752
00:31:48,120 --> 00:31:50,920
Speaker 8: two one IS six four nine two seven seven zero

753
00:31:51,120 --> 00:31:54,200
Speaker 8: eight AFSL four five one two eight nine

754
00:32:00,000 --> 00:32:01,320
Speaker 2: Do you any