1 00:00:00,680 --> 00:00:04,920 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,960 --> 00:00:08,680 Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before 3 00:00:08,680 --> 00:00:11,160 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,319 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:17,680 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,240 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,320 --> 00:00:26,960 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,080 --> 00:00:30,120 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,240 --> 00:00:32,640 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,320 --> 00:00:37,120 Speaker 2: Let's get into it. She's on the Money. She's on 11 00:00:37,159 --> 00:01:00,000 Speaker 2: the Money. Hello, and welcome to She's on the Mune, 12 00:01:00,320 --> 00:01:04,040 Speaker 2: the podcast for millennials who want financial freedom. My friends, 13 00:01:04,080 --> 00:01:06,959 Speaker 2: today is Friday again, which means it is time to 14 00:01:07,000 --> 00:01:10,520 Speaker 2: get the team together and celebrate you ow incredible. She's 15 00:01:10,560 --> 00:01:13,959 Speaker 2: on the Money community today, Miss Grici over there is 16 00:01:14,000 --> 00:01:16,360 Speaker 2: going to be sharing our favorite money wins. We're going 17 00:01:16,440 --> 00:01:18,800 Speaker 2: to be helping to answer a juicy money dilemma, which 18 00:01:18,880 --> 00:01:21,039 Speaker 2: this week is all about hextet, and we're going to 19 00:01:21,040 --> 00:01:23,759 Speaker 2: be unpacking something you slid into our DMS about this week. 20 00:01:23,800 --> 00:01:25,640 Speaker 2: We're talking about when your friend pulls out of a 21 00:01:25,680 --> 00:01:28,920 Speaker 2: trip and the cost goes up. My friends, how has 22 00:01:28,959 --> 00:01:32,160 Speaker 2: your week been? Hi? Good? Good week for me? Good 23 00:01:32,200 --> 00:01:34,399 Speaker 2: to know? Beck? Yeah, good to know good busy good 24 00:01:34,440 --> 00:01:36,840 Speaker 2: busy good busy? Becau's your new job going? Are we 25 00:01:36,840 --> 00:01:38,520 Speaker 2: still loving it? Still loving it? 26 00:01:38,680 --> 00:01:41,440 Speaker 3: Always too much? I'm like, is there something I'm missing? 27 00:01:43,120 --> 00:01:45,680 Speaker 2: Yeah? Yeah, I don't lulling you into her false sense 28 00:01:45,680 --> 00:01:48,880 Speaker 2: of security must be Yeah, they might be. It's exactly 29 00:01:48,920 --> 00:01:52,920 Speaker 2: how it went for me. Ess. Have we decompressed off 30 00:01:52,960 --> 00:01:55,560 Speaker 2: the IWD high that we've been riding for the last 31 00:01:55,600 --> 00:01:57,280 Speaker 2: couple of weeks. Yeah, feeling good. 32 00:01:57,400 --> 00:01:59,680 Speaker 4: Back into routine, which is a bit sad but also 33 00:01:59,760 --> 00:02:01,360 Speaker 4: kind of nice. Like it's kind of a you know, 34 00:02:01,440 --> 00:02:03,600 Speaker 4: too sad a thing like it's sad because the travel 35 00:02:03,600 --> 00:02:06,800 Speaker 4: and sing everyone's so fun, but it's good because productivity. 36 00:02:07,640 --> 00:02:10,600 Speaker 2: Much when you can just sit down to your emails 37 00:02:10,760 --> 00:02:12,960 Speaker 2: and just like get through them and then be like, wow, 38 00:02:13,120 --> 00:02:15,480 Speaker 2: I don't have to get up and run away right now. 39 00:02:15,840 --> 00:02:18,560 Speaker 2: It's actually very liberating. I like it. I like it. 40 00:02:19,639 --> 00:02:22,280 Speaker 2: My week has been really good. So sorry what. 41 00:02:22,320 --> 00:02:24,359 Speaker 3: Oh no, I just said something silly. We are just 42 00:02:24,400 --> 00:02:26,720 Speaker 3: talking about doing laundry in your own house is nice. 43 00:02:26,760 --> 00:02:29,359 Speaker 2: Anyway, doing laundry in your own house is nice. Why 44 00:02:29,360 --> 00:02:31,160 Speaker 2: would we not be doing laundry our own house because 45 00:02:31,160 --> 00:02:33,200 Speaker 2: we've been on holiday and we've been traveling. 46 00:02:33,600 --> 00:02:35,520 Speaker 4: Because you're only gone short days. I just was like, 47 00:02:35,760 --> 00:02:37,040 Speaker 4: that's the problem when I get home. 48 00:02:37,520 --> 00:02:40,360 Speaker 2: Yeah, I bent all mine up. Actually it's a good point. 49 00:02:40,520 --> 00:02:42,880 Speaker 2: I do only do laundry in my own house. And 50 00:02:43,080 --> 00:02:45,480 Speaker 2: you guys actually worked from my house earlier this week 51 00:02:45,520 --> 00:02:47,600 Speaker 2: and I think everyone that walked in the front door 52 00:02:47,720 --> 00:02:50,000 Speaker 2: was like, wow, it smells like laundry in here, because 53 00:02:50,040 --> 00:02:52,000 Speaker 2: like I had just done heaps of loads of laundry, 54 00:02:52,000 --> 00:02:53,440 Speaker 2: and I was like, yeah, because they banked it all 55 00:02:53,520 --> 00:02:59,480 Speaker 2: up from travel. So sorry, sorry, but miss JESSI I 56 00:02:59,520 --> 00:03:01,239 Speaker 2: want to know what are you going to be sharing 57 00:03:01,320 --> 00:03:03,880 Speaker 2: with us this week? What are our community money wins? 58 00:03:04,000 --> 00:03:04,360 Speaker 2: All right? 59 00:03:04,400 --> 00:03:06,040 Speaker 4: I'm actually going to start off this week with a 60 00:03:06,160 --> 00:03:08,880 Speaker 4: money loss which came from Lauren. But it's a good 61 00:03:08,960 --> 00:03:11,720 Speaker 4: reminder for everybody because she said money loss. My doctor 62 00:03:11,720 --> 00:03:13,760 Speaker 4: didn't tell me I could go to a bulk billing 63 00:03:13,880 --> 00:03:15,680 Speaker 4: MRI clinic and sent me to one where I had 64 00:03:15,720 --> 00:03:17,800 Speaker 4: to pay had to pay two hundred and seventy dollars 65 00:03:17,840 --> 00:03:20,320 Speaker 4: each time for two MRIs. I'm now in a whole 66 00:03:20,320 --> 00:03:22,840 Speaker 4: heap of medical fees my fracture hand. Many tears have 67 00:03:22,840 --> 00:03:25,320 Speaker 4: been shared, Lauren. I hope you're feeling okay. I hope 68 00:03:25,360 --> 00:03:27,520 Speaker 4: your week got better. But also I had to book 69 00:03:27,520 --> 00:03:29,480 Speaker 4: a doctor's appointment this week just to pick up a 70 00:03:29,520 --> 00:03:33,160 Speaker 4: new medication. And my normal doctor no longer bulk bills. 71 00:03:33,720 --> 00:03:35,560 Speaker 4: I've heard that, and I've got on and I checked, 72 00:03:35,560 --> 00:03:37,520 Speaker 4: and I've heard it's a pretty widespread thing. A lot 73 00:03:37,520 --> 00:03:41,880 Speaker 4: of local gps are shifting to normal billing, not bulk billings. 74 00:03:42,680 --> 00:03:44,720 Speaker 4: You're going to go in check or use the hot 75 00:03:44,760 --> 00:03:47,680 Speaker 4: dog app because it tells you whether they're bulk built 76 00:03:47,760 --> 00:03:48,000 Speaker 4: or not. 77 00:03:48,400 --> 00:03:50,080 Speaker 2: Hot doc apps grow. It's so yady. 78 00:03:50,160 --> 00:03:51,640 Speaker 4: I don't know what we did before it, but yeah, 79 00:03:51,680 --> 00:03:53,160 Speaker 4: if you're going to the doctor, I would say, don't 80 00:03:53,160 --> 00:03:55,560 Speaker 4: get stung, because I, like Lauren, got bit in the 81 00:03:55,600 --> 00:04:00,040 Speaker 4: butt unfortunately, So check your doctors. But moving on to 82 00:04:00,040 --> 00:04:02,400 Speaker 4: a money win this week, I have one from Alexandra 83 00:04:02,480 --> 00:04:04,280 Speaker 4: who said I went to the Hunter Markets on the 84 00:04:04,280 --> 00:04:06,880 Speaker 4: weekend as a storeholder. I made seven hundred dollars on 85 00:04:06,920 --> 00:04:10,440 Speaker 4: clothes I was just throwing out nice I also managed 86 00:04:10,480 --> 00:04:12,920 Speaker 4: to score Tony Bianco sandals for ten dollars brain New. 87 00:04:13,200 --> 00:04:15,480 Speaker 2: Money Ween money Ween. We held a store that once 88 00:04:15,600 --> 00:04:18,960 Speaker 2: we did, I didn't make seven hundred bucks. Stock was 89 00:04:19,000 --> 00:04:21,920 Speaker 2: she selling? I know, if you've got any tips for Alexander, 90 00:04:22,040 --> 00:04:25,200 Speaker 2: let us know. She's like, have better outfits, Jessica. Maybe 91 00:04:25,200 --> 00:04:29,240 Speaker 2: that was exactly Stop trying to sell everybody your trash 92 00:04:29,240 --> 00:04:32,240 Speaker 2: and start partying with those Maxi dresses. Everyone keeps asking 93 00:04:32,279 --> 00:04:32,760 Speaker 2: me for this. 94 00:04:33,480 --> 00:04:35,560 Speaker 4: Next money win comes from a Laura who said I 95 00:04:35,560 --> 00:04:37,479 Speaker 4: wanted to buy the She's on the Money budget journal, 96 00:04:37,520 --> 00:04:40,000 Speaker 4: but because it was my birthday on Saturday, I ended 97 00:04:40,080 --> 00:04:43,000 Speaker 4: up getting it as a gift. Money win hard. 98 00:04:43,320 --> 00:04:48,760 Speaker 2: I love a little She's on the Money gift. 99 00:04:47,000 --> 00:04:49,960 Speaker 4: As a present. I think it's so sweet. Next, I've 100 00:04:50,000 --> 00:04:52,080 Speaker 4: got a money win from Taylor, who said money win. 101 00:04:52,320 --> 00:04:56,120 Speaker 4: I purchased a very reasonably priced secondhand reformer from my 102 00:04:56,200 --> 00:04:57,320 Speaker 4: local Coloni studio. 103 00:04:57,400 --> 00:05:01,039 Speaker 2: That's not a thing so reasonably priced reform. It's a reformer, 104 00:05:01,080 --> 00:05:03,159 Speaker 2: how clever, though I would never have even thought to 105 00:05:03,160 --> 00:05:06,680 Speaker 2: buy one. A pillartis reformer. It's like apparatus that you 106 00:05:06,720 --> 00:05:09,720 Speaker 2: know when you see like those really skinny women on 107 00:05:09,839 --> 00:05:12,760 Speaker 2: Instagram on the reformer Pilarates massage like the thing you 108 00:05:12,839 --> 00:05:16,120 Speaker 2: lay down on. Yeah, oh she thought the whole thing 109 00:05:16,240 --> 00:05:17,640 Speaker 2: she bought, like whole thing. She put a photo. It 110 00:05:17,680 --> 00:05:20,839 Speaker 2: looks real cute. Noo my god, wowow wow, oh my gosh. 111 00:05:21,000 --> 00:05:23,080 Speaker 2: I want one of those so bad. But I didn't 112 00:05:23,080 --> 00:05:26,000 Speaker 2: realize how expensive they were, and I tried to buy one. 113 00:05:26,040 --> 00:05:28,320 Speaker 2: I was looking everywhere. IL was on like eBay and Facebook, 114 00:05:28,360 --> 00:05:30,560 Speaker 2: Marketplace and gum Tree, and they were all a couple 115 00:05:30,560 --> 00:05:33,279 Speaker 2: of thousand dollars. So the massage has nabbed one cheaply 116 00:05:33,560 --> 00:05:35,280 Speaker 2: money wine, I love that for you. 117 00:05:35,360 --> 00:05:36,960 Speaker 4: And then one last money win that we shared on 118 00:05:37,040 --> 00:05:40,800 Speaker 4: Instagram this week. The Victorian Energy bonus if you're in. 119 00:05:40,839 --> 00:05:44,599 Speaker 2: VIC is back, so previously fifty dollars rus Jessica. 120 00:05:44,880 --> 00:05:45,080 Speaker 1: Yeah. 121 00:05:45,120 --> 00:05:47,000 Speaker 4: And if you're thinking, oh I already got it, I 122 00:05:47,040 --> 00:05:47,560 Speaker 4: can't get it. 123 00:05:47,640 --> 00:05:49,239 Speaker 2: No, No, it's renewed. 124 00:05:49,320 --> 00:05:51,839 Speaker 4: It's just renewed, so even if you compared your energy 125 00:05:51,839 --> 00:05:54,120 Speaker 4: bill previously, you can jump on the website and we'll 126 00:05:54,120 --> 00:05:55,520 Speaker 4: have it linked in the show notes. Or I think 127 00:05:55,520 --> 00:05:57,800 Speaker 4: we popped on as stories this week and get yourself 128 00:05:57,800 --> 00:06:01,919 Speaker 4: a free two hundred and fifty bucks because why not week. 129 00:06:01,480 --> 00:06:03,440 Speaker 2: Don't say we don't do anything for you. With She'ese 130 00:06:03,440 --> 00:06:05,960 Speaker 2: on the Money, You're welcome. All right, guys, we're going 131 00:06:06,000 --> 00:06:07,480 Speaker 2: to go to a really quick break. But on the 132 00:06:07,520 --> 00:06:09,840 Speaker 2: flip side, we're going to be talking about hex stet 133 00:06:10,000 --> 00:06:13,200 Speaker 2: and we're also unpacking what happens when your friend pulls 134 00:06:13,200 --> 00:06:14,840 Speaker 2: out of a trip but you've already paid and now 135 00:06:14,880 --> 00:06:24,480 Speaker 2: it's going to cost you more. Don't go anywhere. Welcome back, everybody. 136 00:06:24,520 --> 00:06:27,000 Speaker 4: Should we jump arriety into this week's money dilemma because 137 00:06:27,000 --> 00:06:28,440 Speaker 4: I feel like we're gonna have a lot to say. 138 00:06:29,000 --> 00:06:33,200 Speaker 2: I'm ready leg go. Hi there. Have you got a 139 00:06:33,200 --> 00:06:35,760 Speaker 2: money dilemma you just can't solve? The She's on the 140 00:06:35,760 --> 00:06:38,839 Speaker 2: Money team is here to help. Every week we tackle 141 00:06:38,880 --> 00:06:41,520 Speaker 2: your dilemmas, both big and small, to answer your most 142 00:06:41,560 --> 00:06:45,120 Speaker 2: burning money, career and life questions. To get involved, simply 143 00:06:45,160 --> 00:06:47,279 Speaker 2: head to our website and leave us a short voice 144 00:06:47,279 --> 00:06:50,200 Speaker 2: recording and you might just find yourself on the show. Now, 145 00:06:50,320 --> 00:06:54,640 Speaker 2: let's take a listen to this week's money dilemma. 146 00:06:55,279 --> 00:06:58,160 Speaker 5: Heyving and team, I just have a question about HEX. 147 00:06:58,800 --> 00:07:02,160 Speaker 5: I currently around twenty thousand dollars in my HEX debt 148 00:07:02,640 --> 00:07:05,000 Speaker 5: at my current job. I have been working there for 149 00:07:05,040 --> 00:07:09,039 Speaker 5: about two years now, and obviously with every paycheck I get, 150 00:07:09,480 --> 00:07:11,680 Speaker 5: I get a little bit less, and that is going 151 00:07:11,720 --> 00:07:15,280 Speaker 5: towards paying my HEX off. I have noticed, though, recently, 152 00:07:15,360 --> 00:07:19,400 Speaker 5: that my job has only made one repayment on my 153 00:07:19,560 --> 00:07:22,440 Speaker 5: HEX and it's only been for about one thousand dollars, 154 00:07:22,960 --> 00:07:25,200 Speaker 5: which doesn't really add up with the amount of money 155 00:07:25,240 --> 00:07:27,880 Speaker 5: that's been coming out of my pay packet because of that, 156 00:07:28,240 --> 00:07:31,840 Speaker 5: So I wanted to know how often should our employers 157 00:07:31,880 --> 00:07:34,600 Speaker 5: be making these repayments and what can we do about 158 00:07:34,640 --> 00:07:35,360 Speaker 5: it if they're not. 159 00:07:35,880 --> 00:07:38,120 Speaker 3: I don't have any advice for this one, obviously. Okay, 160 00:07:38,440 --> 00:07:40,240 Speaker 3: I know that's not shocking, but that is a really 161 00:07:40,280 --> 00:07:44,120 Speaker 3: good question. I do wonder that myself. Is the interest, 162 00:07:44,160 --> 00:07:46,440 Speaker 3: like is the interest on HEX indexation? 163 00:07:46,680 --> 00:07:50,520 Speaker 2: There's indexations I'm paying interest, which, yeah, Jess, carry on. 164 00:07:50,640 --> 00:07:52,720 Speaker 2: I'll let you you take the reins on this one, 165 00:07:52,920 --> 00:07:53,680 Speaker 2: because I know you know. 166 00:07:54,280 --> 00:07:58,280 Speaker 4: So indexation is adjusted for inflation every year, if I am, 167 00:07:58,480 --> 00:07:59,040 Speaker 4: is it that correct? 168 00:07:59,080 --> 00:08:01,840 Speaker 2: Victoria after far? Yes, yes, this is great. It's an 169 00:08:01,880 --> 00:08:04,400 Speaker 2: average of the previous two financial years, so you're not 170 00:08:04,440 --> 00:08:07,960 Speaker 2: going to get slammed with this year's inflation rate. But 171 00:08:08,240 --> 00:08:10,280 Speaker 2: obviously it's going to be high because this year's inflation 172 00:08:10,360 --> 00:08:12,840 Speaker 2: rate was relatively high. It will be an average of 173 00:08:12,840 --> 00:08:14,120 Speaker 2: the last two financial years. 174 00:08:14,280 --> 00:08:16,280 Speaker 4: Yeah, So saying that this year indexational grapple. And we 175 00:08:16,280 --> 00:08:18,000 Speaker 4: had question a few weeks ago from someone, if I 176 00:08:18,080 --> 00:08:20,679 Speaker 4: remember correctly, asking about if they should look at paying 177 00:08:20,720 --> 00:08:24,200 Speaker 4: that back because indexation is jumping quite a bit this year. 178 00:08:24,240 --> 00:08:26,559 Speaker 4: But that's all we're asking. We're asking how often should 179 00:08:26,640 --> 00:08:28,880 Speaker 4: we contributing? And I actually don't know the answer to that. VD. 180 00:08:29,160 --> 00:08:32,320 Speaker 2: So your employer is actually going to withhold additional amounts 181 00:08:32,360 --> 00:08:35,079 Speaker 2: from each of your pay period and then send that 182 00:08:35,240 --> 00:08:38,520 Speaker 2: full amount to the ATO, So obviously I don't know 183 00:08:38,559 --> 00:08:41,480 Speaker 2: what you're earning. That context would have helped. Obviously it's 184 00:08:41,520 --> 00:08:43,400 Speaker 2: going to be in line with your income as to 185 00:08:43,400 --> 00:08:45,960 Speaker 2: how much you're paying back each year. But a thousand 186 00:08:46,000 --> 00:08:49,920 Speaker 2: dollars does not sound correct in any circumstance. So I'm 187 00:08:49,920 --> 00:08:51,719 Speaker 2: assuming that they haven't done that. There could be a 188 00:08:51,760 --> 00:08:55,040 Speaker 2: couple of reasons for this. So as an employer, I 189 00:08:55,160 --> 00:08:57,720 Speaker 2: pay back HEX every time I do tax, and I 190 00:08:57,760 --> 00:09:00,640 Speaker 2: do tax four times a year. I do my business 191 00:09:00,720 --> 00:09:03,640 Speaker 2: tax whenever I get my best statement, which was my 192 00:09:03,679 --> 00:09:06,280 Speaker 2: business activity statement, and that's just a way for small 193 00:09:06,320 --> 00:09:09,600 Speaker 2: business owners or even just normal business owners to keep 194 00:09:09,760 --> 00:09:12,880 Speaker 2: up with making sure that you know, come June thirty, 195 00:09:13,000 --> 00:09:15,400 Speaker 2: I don't get lumped with every single dollar of tax 196 00:09:15,400 --> 00:09:17,360 Speaker 2: that I was meant to pay for that twelve month period. 197 00:09:17,440 --> 00:09:19,440 Speaker 2: Like that does not sound sexy. So I do it 198 00:09:19,440 --> 00:09:21,760 Speaker 2: every three months. So I make sure that your souper 199 00:09:21,880 --> 00:09:23,720 Speaker 2: is done quarterly, and I make sure that you know 200 00:09:23,800 --> 00:09:27,040 Speaker 2: everything is up to date and squeaky clean. But I 201 00:09:27,080 --> 00:09:29,319 Speaker 2: pay on a monthly basis, So I take it out 202 00:09:29,320 --> 00:09:32,160 Speaker 2: of your pages every single month and withhold it and 203 00:09:32,200 --> 00:09:34,800 Speaker 2: then pay it in a quarterly amount because that's just 204 00:09:34,800 --> 00:09:38,320 Speaker 2: when I log in and do that process. In saying 205 00:09:38,360 --> 00:09:41,040 Speaker 2: that there are some employers who might do that on 206 00:09:41,080 --> 00:09:43,040 Speaker 2: a weekly basis, because you can do that on a 207 00:09:43,040 --> 00:09:45,560 Speaker 2: weekly basis, I just don't like admins light put it 208 00:09:45,600 --> 00:09:48,840 Speaker 2: off at the end of the day. It's going to 209 00:09:49,400 --> 00:09:52,600 Speaker 2: you know, depend on the employer. But obviously at the 210 00:09:52,760 --> 00:09:55,960 Speaker 2: end of each pay period or financial year, they should 211 00:09:56,040 --> 00:09:58,880 Speaker 2: have sent the full amount to your HEX to make 212 00:09:58,920 --> 00:10:02,079 Speaker 2: sure it is being paid off. So what happens then 213 00:10:02,200 --> 00:10:04,480 Speaker 2: is the ATO is going to calculate your help or 214 00:10:04,520 --> 00:10:07,840 Speaker 2: HEX repayments when you lodd your tax return to make 215 00:10:07,880 --> 00:10:10,080 Speaker 2: sure that everything's lining up, because what could have happened 216 00:10:10,120 --> 00:10:12,480 Speaker 2: is you got a higher paying job halfway through the years, 217 00:10:12,520 --> 00:10:15,040 Speaker 2: so your help repayments were higher and therefore you know 218 00:10:15,080 --> 00:10:18,080 Speaker 2: there might be a difference there, or maybe you forgot 219 00:10:18,080 --> 00:10:20,520 Speaker 2: to tell your new employer that you even had a 220 00:10:20,559 --> 00:10:22,920 Speaker 2: help repayment and you're in a bit of a pickle 221 00:10:22,960 --> 00:10:24,840 Speaker 2: and have to pay back a bit more. So they're 222 00:10:24,880 --> 00:10:26,840 Speaker 2: just making sure that all the boxes are ticked and 223 00:10:26,880 --> 00:10:30,439 Speaker 2: everything has been done correctly. Obviously, if it turns out 224 00:10:30,440 --> 00:10:33,200 Speaker 2: that your employers withheld too much, you might get a refund, 225 00:10:33,200 --> 00:10:35,360 Speaker 2: which could be really sexy. And obviously if they've not 226 00:10:35,440 --> 00:10:37,880 Speaker 2: paid enough, you might need to actually pay and that 227 00:10:37,960 --> 00:10:40,600 Speaker 2: might be a liability for you. But essentially, you doing 228 00:10:40,640 --> 00:10:42,560 Speaker 2: your tax return is going to tell you whether your 229 00:10:42,559 --> 00:10:45,480 Speaker 2: employer paid that or not. So it's not just like 230 00:10:45,520 --> 00:10:48,800 Speaker 2: a voluntary thing. It's obviously necessary and you're going to 231 00:10:48,800 --> 00:10:50,920 Speaker 2: find out when you do your tax return because your 232 00:10:50,920 --> 00:10:54,000 Speaker 2: help slash hex's debt is related to the ATO and 233 00:10:54,080 --> 00:10:57,200 Speaker 2: completely connected, so they'll be able to tell you. So 234 00:10:57,320 --> 00:10:59,839 Speaker 2: if you're worried that your employer hasn't done this, I 235 00:11:00,040 --> 00:11:02,640 Speaker 2: wouldn't go full gung ho to begin with, I would 236 00:11:02,640 --> 00:11:05,240 Speaker 2: actually contact the ATO and ask about it. I would 237 00:11:05,240 --> 00:11:08,040 Speaker 2: log into my portal on the MyGov website first have 238 00:11:08,040 --> 00:11:10,160 Speaker 2: a look at it. If that's not making sense, I 239 00:11:10,160 --> 00:11:13,320 Speaker 2: would then literally call the ATO. They're super friendly there, 240 00:11:13,360 --> 00:11:15,960 Speaker 2: I promise, and they will help you, and they will 241 00:11:15,960 --> 00:11:18,040 Speaker 2: go all right, no worries, Let's have a look at 242 00:11:18,080 --> 00:11:20,959 Speaker 2: what should have been paid versus what we have currently 243 00:11:21,000 --> 00:11:24,160 Speaker 2: withheld for it to be processed. But the best way 244 00:11:24,200 --> 00:11:27,079 Speaker 2: to find that out is if you do tax return basically, 245 00:11:27,559 --> 00:11:31,439 Speaker 2: and then at that point, if your employer isn't actually 246 00:11:31,440 --> 00:11:33,719 Speaker 2: paying the right amount or there's been stuff that has 247 00:11:33,760 --> 00:11:36,080 Speaker 2: been missed, that's when you would talk to your employer. 248 00:11:36,160 --> 00:11:38,560 Speaker 2: If the business is bigger, I would talk directly to 249 00:11:38,600 --> 00:11:40,600 Speaker 2: payroll and be like, what the heck is going on? 250 00:11:41,080 --> 00:11:44,280 Speaker 2: Obviously it's less and this is not a good thing, 251 00:11:44,360 --> 00:11:46,760 Speaker 2: but it's less of an issue the bigger the company. 252 00:11:47,280 --> 00:11:50,000 Speaker 2: So obviously the bigger the company, the more clean the 253 00:11:50,040 --> 00:11:52,600 Speaker 2: processes are usually going to be. And if your HEX 254 00:11:52,679 --> 00:11:55,959 Speaker 2: repayments have been missed, it's usually just like literally a 255 00:11:56,679 --> 00:11:59,800 Speaker 2: processing slash admin error and they'll probably fix it up 256 00:12:00,160 --> 00:12:02,960 Speaker 2: quick smart. If your employer is a little bit of 257 00:12:02,960 --> 00:12:05,240 Speaker 2: a cheeky rabbit and not doing the right thing, and 258 00:12:05,240 --> 00:12:07,679 Speaker 2: they're a small business. That might be a harder conversation 259 00:12:07,840 --> 00:12:11,120 Speaker 2: to be had, but know you're worth and follow it. 260 00:12:11,320 --> 00:12:13,800 Speaker 2: I think we don't need to be aggressive in these circumstances. 261 00:12:13,880 --> 00:12:15,960 Speaker 2: Just hey, you haven't paid me this. It needs to 262 00:12:16,000 --> 00:12:18,080 Speaker 2: be fixed. Otherwise I'll take it up with the ATO. 263 00:12:18,320 --> 00:12:21,760 Speaker 3: Could it be possible that it looks like that amount 264 00:12:22,080 --> 00:12:24,040 Speaker 3: or you know, what you think should have been paid 265 00:12:24,120 --> 00:12:27,560 Speaker 3: hasn't been paid simply because of that indexation thing, so 266 00:12:27,600 --> 00:12:29,800 Speaker 3: it looks like only a thousand dollars been paid. 267 00:12:29,760 --> 00:12:32,600 Speaker 4: Potentially, like if she's looking at like the total amount 268 00:12:32,760 --> 00:12:35,319 Speaker 4: on your hex statement, Like if you go into your 269 00:12:35,360 --> 00:12:38,400 Speaker 4: Mygove portal and click on your hex statement, it will 270 00:12:38,400 --> 00:12:40,840 Speaker 4: tell you what payments have been made and what indexation 271 00:12:40,960 --> 00:12:43,560 Speaker 4: has been implied in separate line items, so it will 272 00:12:43,600 --> 00:12:44,559 Speaker 4: be really broken down. 273 00:12:44,679 --> 00:12:46,480 Speaker 2: It will be very clear for you to be able 274 00:12:46,480 --> 00:12:48,800 Speaker 2: to see as somebody who has a ridiculous hex step. 275 00:12:48,920 --> 00:12:51,200 Speaker 2: Still I look at that and it makes me angry. 276 00:12:51,240 --> 00:12:54,120 Speaker 2: So I do know that that document quite well. But 277 00:12:54,920 --> 00:12:57,040 Speaker 2: also it might just be because your tax hasn't been 278 00:12:57,080 --> 00:12:59,400 Speaker 2: lodged yet and it hasn't all been reconciled. So that's 279 00:12:59,440 --> 00:13:01,679 Speaker 2: why I'm saying, just check first, because you don't want 280 00:13:01,679 --> 00:13:04,240 Speaker 2: to accuse your employer of not paying it when maybe 281 00:13:04,240 --> 00:13:06,640 Speaker 2: they have, because that could especially if they're a small business, 282 00:13:06,640 --> 00:13:09,560 Speaker 2: it could just be really awkward. Like I mean, Jess, 283 00:13:09,600 --> 00:13:11,199 Speaker 2: I'd find it really awkward if you're like the you 284 00:13:11,240 --> 00:13:12,720 Speaker 2: haven't paid this, and I'd be like, oh my gosh, 285 00:13:12,720 --> 00:13:14,880 Speaker 2: I definitely have let me go fix this. Yeah, Like, 286 00:13:14,960 --> 00:13:17,520 Speaker 2: I'm not saying that obviously i'd tackle that head on, 287 00:13:17,960 --> 00:13:19,920 Speaker 2: but I think it's one of those things where I'd 288 00:13:19,960 --> 00:13:22,120 Speaker 2: be really upset if there was a lack of trust. 289 00:13:22,360 --> 00:13:24,800 Speaker 2: And I'm not saying that that should ever come into play. 290 00:13:24,920 --> 00:13:27,760 Speaker 2: I'm just saying, like, approach these things with a level 291 00:13:27,760 --> 00:13:30,200 Speaker 2: of caution just because you don't want to get someone offside, 292 00:13:30,280 --> 00:13:33,560 Speaker 2: because by saying that, you're kind of saying I don't 293 00:13:33,559 --> 00:13:36,880 Speaker 2: really trust this process. Please fix but dott all your 294 00:13:36,920 --> 00:13:38,960 Speaker 2: eyes and cross all UT's beforehand to make sure it 295 00:13:38,960 --> 00:13:41,160 Speaker 2: hasn't been paid before you go all right, you haven't 296 00:13:41,200 --> 00:13:43,880 Speaker 2: paid my hex, and I can go, heck, what has happened. 297 00:13:43,960 --> 00:13:46,160 Speaker 2: Maybe I've forgotten to do it, or maybe I've taken 298 00:13:46,160 --> 00:13:47,800 Speaker 2: it out of the wrong account. Maybe it hasn't been 299 00:13:47,840 --> 00:13:50,079 Speaker 2: processed yet, and it can be an open honest conversation. 300 00:13:50,559 --> 00:13:53,199 Speaker 2: I think approaching these things as though it should be 301 00:13:53,280 --> 00:13:56,280 Speaker 2: an open honest conversation. Like if I just said to you, hey, Beck, 302 00:13:56,640 --> 00:13:58,640 Speaker 2: my hex hasn't been paid, can we just fix that? 303 00:13:59,280 --> 00:14:01,760 Speaker 2: It's not so much. I was just wondering, No, no, 304 00:14:01,840 --> 00:14:04,240 Speaker 2: my hex hasn't been paid. It needs to be paid. Yeah, 305 00:14:04,280 --> 00:14:05,680 Speaker 2: Like at the end of the day, it's just a 306 00:14:05,800 --> 00:14:09,239 Speaker 2: very pragmatic conversation. We don't need to make this emotional. 307 00:14:09,640 --> 00:14:11,160 Speaker 2: So that's where I would be going. 308 00:14:11,440 --> 00:14:14,480 Speaker 4: Yeah, speaking of open honest conversations, this week, someone's let 309 00:14:14,559 --> 00:14:17,520 Speaker 4: into our DMS about a topic that I feel like 310 00:14:17,600 --> 00:14:18,880 Speaker 4: requires exactly that. 311 00:14:18,960 --> 00:14:21,040 Speaker 2: What did they say? You're right, Jess. We had a 312 00:14:21,200 --> 00:14:23,880 Speaker 2: very interesting community dilemma because I feel like this could 313 00:14:24,280 --> 00:14:27,200 Speaker 2: cause a few arguments in friendship grips. So did our 314 00:14:27,280 --> 00:14:30,840 Speaker 2: DM set hello, this is for the community DM. My 315 00:14:30,960 --> 00:14:33,200 Speaker 2: friends and I have planned a trip to Bali. We 316 00:14:33,280 --> 00:14:35,640 Speaker 2: paid for everything and it was all locked and loaded 317 00:14:35,800 --> 00:14:38,000 Speaker 2: until one of my friends said she can't make the 318 00:14:38,040 --> 00:14:41,120 Speaker 2: trip anymore because of work. She pulled out and it's 319 00:14:41,160 --> 00:14:44,200 Speaker 2: going to cost us around three hundred dollars extra each 320 00:14:44,480 --> 00:14:46,440 Speaker 2: and we just don't think we should have to foot 321 00:14:46,440 --> 00:14:49,520 Speaker 2: her bill after she's agreed. Her argument is that we're 322 00:14:49,520 --> 00:14:51,920 Speaker 2: the ones going and she isn't, so it's not fair 323 00:14:51,960 --> 00:14:54,440 Speaker 2: for her to pay. Not sure how to approach it 324 00:14:54,560 --> 00:14:56,600 Speaker 2: or frame it for her in a way that she's 325 00:14:56,640 --> 00:15:02,120 Speaker 2: going to understand. Awkward, that is awkward, no chance. 326 00:15:02,280 --> 00:15:04,520 Speaker 3: If I've done that before, I've pulled out of a 327 00:15:04,560 --> 00:15:06,920 Speaker 3: trip last minute, I just I'm sorry. That's not my 328 00:15:06,960 --> 00:15:07,560 Speaker 3: money anymore. 329 00:15:07,600 --> 00:15:10,960 Speaker 4: That's gone into the petty couple loss. Like I feel 330 00:15:11,000 --> 00:15:13,200 Speaker 4: like in this situation, and I've been that person too. 331 00:15:13,240 --> 00:15:14,800 Speaker 4: I did it last year when we went to Europe. 332 00:15:14,840 --> 00:15:17,000 Speaker 4: I had like a little weekend away booked and then 333 00:15:17,520 --> 00:15:18,600 Speaker 4: you're like, do you want to go to Europe? 334 00:15:18,600 --> 00:15:19,720 Speaker 2: And I was like, yes, I would like to go 335 00:15:19,720 --> 00:15:23,120 Speaker 2: to Europe. So obviously, like I didn't know that happened. 336 00:15:23,120 --> 00:15:24,680 Speaker 2: Sorry for putting you in that situation. 337 00:15:24,440 --> 00:15:25,720 Speaker 4: But no, it's so fine, and it's a group of 338 00:15:25,720 --> 00:15:27,640 Speaker 4: friends that we go away with pretty regularly, so I 339 00:15:27,680 --> 00:15:28,400 Speaker 4: didn't feel bad. 340 00:15:28,440 --> 00:15:30,520 Speaker 2: It wasn't black guy, Now I feel bad. 341 00:15:30,560 --> 00:15:32,280 Speaker 4: No, No, it wasn't like a one year thing that 342 00:15:32,320 --> 00:15:34,080 Speaker 4: I like bailed on because then I would feel bad. 343 00:15:34,200 --> 00:15:36,640 Speaker 4: But in that situation, I literally said, oh, I can't 344 00:15:36,640 --> 00:15:38,480 Speaker 4: make it, and that was the end of the conversation 345 00:15:38,760 --> 00:15:42,080 Speaker 4: because from my perspective, if I pull my money out, 346 00:15:42,240 --> 00:15:45,480 Speaker 4: you've accommodated for me within that group. Like the accommodation, 347 00:15:45,600 --> 00:15:49,360 Speaker 4: you've accounted for ten people so instead of nine people, 348 00:15:49,680 --> 00:15:53,000 Speaker 4: and you've if you've pre booked activities. I don't see 349 00:15:53,040 --> 00:15:57,280 Speaker 4: the reason that somebody else should wear change of mind. 350 00:15:57,320 --> 00:15:59,360 Speaker 4: And I know that it's more complex if maybe you've 351 00:15:59,360 --> 00:16:00,880 Speaker 4: pulled out because you're sick and you don't want to 352 00:16:00,880 --> 00:16:02,000 Speaker 4: get other people or whatever, but. 353 00:16:01,960 --> 00:16:04,200 Speaker 2: I'm sorry, that's still that's still a cost, like as 354 00:16:04,200 --> 00:16:07,680 Speaker 2: an offunable booking. From my perspective, I don't mean to 355 00:16:07,680 --> 00:16:10,240 Speaker 2: be rude, but like it's the risky tech pay to 356 00:16:10,280 --> 00:16:13,760 Speaker 2: play baby totally and like you know, if if someone 357 00:16:13,760 --> 00:16:15,400 Speaker 2: else is like, hey, i'll take your place and I'll 358 00:16:15,400 --> 00:16:19,320 Speaker 2: pay you for it, oh yeah, but if not, then unfortunately, 359 00:16:19,360 --> 00:16:20,800 Speaker 2: it's just yeah, there's going to be a bed there 360 00:16:20,840 --> 00:16:24,080 Speaker 2: that was allocated to you have to soak that up. Like, yeah, 361 00:16:24,120 --> 00:16:26,240 Speaker 2: we've done group trips before, and I'm sure you guys 362 00:16:26,280 --> 00:16:28,720 Speaker 2: have done it where everyone kind of has this chat 363 00:16:28,760 --> 00:16:30,400 Speaker 2: we all want to go on a group trip. You know, 364 00:16:30,440 --> 00:16:33,160 Speaker 2: there's ten of us going, so we find a place 365 00:16:33,200 --> 00:16:35,560 Speaker 2: that's within our budget because we know, all right, well 366 00:16:35,560 --> 00:16:38,280 Speaker 2: Beck said that she reckons two hundred bucks for accommodation 367 00:16:38,320 --> 00:16:40,440 Speaker 2: for the weekndle it's you know, times that by the 368 00:16:40,480 --> 00:16:43,280 Speaker 2: ten people that are there. If you've set your budgets 369 00:16:43,280 --> 00:16:45,960 Speaker 2: and you've you know, communicated with your friends like this 370 00:16:46,120 --> 00:16:48,440 Speaker 2: is what this is, and you know you've all agreed, ye, 371 00:16:48,720 --> 00:16:50,720 Speaker 2: for me to then say, oh well, I don't want 372 00:16:50,760 --> 00:16:53,240 Speaker 2: to come, My two hundred dollars for the weekend should 373 00:16:53,240 --> 00:16:55,400 Speaker 2: be divided and you know, soaked out by the rest 374 00:16:55,400 --> 00:16:59,800 Speaker 2: of you. Absolutely not, Like, if you've committed to taking that, 375 00:17:00,360 --> 00:17:03,000 Speaker 2: you've committed to that expense and if you think you're 376 00:17:03,000 --> 00:17:04,840 Speaker 2: going to pull out, why are you committing to that 377 00:17:04,880 --> 00:17:07,520 Speaker 2: trip and lulling people into the false sense of security 378 00:17:07,560 --> 00:17:09,400 Speaker 2: that they're going to have a cheaper trip than they 379 00:17:09,400 --> 00:17:10,840 Speaker 2: actually are. That's not fair. 380 00:17:11,520 --> 00:17:14,359 Speaker 4: Like from my perspective, it's just an inability to take 381 00:17:14,440 --> 00:17:17,760 Speaker 4: I think responsibility for yourself and your choices, or you'll 382 00:17:17,800 --> 00:17:20,199 Speaker 4: and again obviously like being sick for example, maybe not 383 00:17:20,240 --> 00:17:23,560 Speaker 4: a choice. However, you know, if you book something really 384 00:17:23,600 --> 00:17:25,280 Speaker 4: far in advance, you know that there's a risk of 385 00:17:25,359 --> 00:17:28,000 Speaker 4: that happening. That's why you have insurance if you're traveling 386 00:17:28,040 --> 00:17:31,760 Speaker 4: and things like that. But I think you can't expect 387 00:17:31,800 --> 00:17:35,959 Speaker 4: other people to be responsible for your issues or your problems, 388 00:17:36,000 --> 00:17:38,520 Speaker 4: or your choices or whatever, like whatever comes up, that's 389 00:17:38,680 --> 00:17:41,119 Speaker 4: a you problem, Like I don't think it's reasonable, and 390 00:17:41,160 --> 00:17:43,239 Speaker 4: you don't know the circumstances that everyone else is in, 391 00:17:43,359 --> 00:17:46,200 Speaker 4: Like maybe they've really stretched their budget to go on this. 392 00:17:46,160 --> 00:17:49,000 Speaker 2: Holiday to Bali, which lots of people do. Ah. 393 00:17:49,080 --> 00:17:51,240 Speaker 4: I used to literally come home with like seventies sens 394 00:17:51,280 --> 00:17:54,480 Speaker 4: in my bank account when ice like, I've definitely been there. 395 00:17:54,520 --> 00:17:56,359 Speaker 4: And so if you had said to me if I 396 00:17:56,400 --> 00:17:58,600 Speaker 4: was in that situation a week before, you like, you're 397 00:17:58,600 --> 00:18:00,159 Speaker 4: gonna have to cough up an extra to go a 398 00:18:00,200 --> 00:18:00,800 Speaker 4: few bucks. 399 00:18:00,600 --> 00:18:02,240 Speaker 2: I would have been like, I do not have that. 400 00:18:02,400 --> 00:18:05,040 Speaker 2: You literally do not have the dollars to give you, 401 00:18:05,040 --> 00:18:07,720 Speaker 2: you know, and it's not fair, Like I don't think 402 00:18:07,760 --> 00:18:10,800 Speaker 2: that you should become a financial burden on other people, 403 00:18:11,240 --> 00:18:14,160 Speaker 2: Like it is not other people's responsibility to carry you. 404 00:18:14,560 --> 00:18:16,359 Speaker 2: So I'm pretty cut and dry with that because I 405 00:18:16,400 --> 00:18:18,800 Speaker 2: have been stung by that before. I've had those arguments 406 00:18:18,840 --> 00:18:21,120 Speaker 2: where it's like, well, if you're not coming, either replace 407 00:18:21,240 --> 00:18:25,280 Speaker 2: yourself or pay for it. And I feel like there 408 00:18:25,320 --> 00:18:27,960 Speaker 2: are also circumstances where it's like it's not appropriate to 409 00:18:28,000 --> 00:18:30,560 Speaker 2: replace yourself either. So like there might be like a 410 00:18:30,600 --> 00:18:33,119 Speaker 2: couple's trip and you know, Jess, I've invited you and 411 00:18:33,160 --> 00:18:35,000 Speaker 2: your partner and my partner and I going away and 412 00:18:35,000 --> 00:18:37,160 Speaker 2: there's another couple and we've all agreed that we're comfortable 413 00:18:37,160 --> 00:18:39,040 Speaker 2: with that. I don't want you to turn around and 414 00:18:39,080 --> 00:18:41,199 Speaker 2: be like, all right, well, I'll find another couple that 415 00:18:41,240 --> 00:18:43,159 Speaker 2: I know that can pay for this and go on 416 00:18:43,200 --> 00:18:47,520 Speaker 2: a holiday with you guys that we don't know. Like that, 417 00:18:47,560 --> 00:18:50,960 Speaker 2: to me, it's not an appropriate compromise. Like I think 418 00:18:51,000 --> 00:18:53,040 Speaker 2: that that's just you're going to get slapped with that 419 00:18:53,200 --> 00:18:56,360 Speaker 2: cost because I booked a house with three bedrooms and 420 00:18:56,520 --> 00:18:58,639 Speaker 2: one of those, regardless of whether you're there or not, 421 00:18:58,760 --> 00:19:01,560 Speaker 2: is going to be allocated to you, whether you sleep 422 00:19:01,560 --> 00:19:04,560 Speaker 2: in that bed or not. So I just I think 423 00:19:04,600 --> 00:19:07,120 Speaker 2: it's a really awkward conversation to have. And I think 424 00:19:07,160 --> 00:19:10,320 Speaker 2: that this is such an issue that I think it 425 00:19:10,359 --> 00:19:12,240 Speaker 2: happened a lot when I was younger, Right, I think 426 00:19:12,280 --> 00:19:14,800 Speaker 2: now that most of my friends are a little bit 427 00:19:14,800 --> 00:19:18,400 Speaker 2: more financially secure and maybe a little bit more mature 428 00:19:18,440 --> 00:19:22,680 Speaker 2: about these things. They are like, I can't imagine that happening. Yeah, 429 00:19:22,840 --> 00:19:24,760 Speaker 2: but I remember when I was like in my twenties 430 00:19:24,800 --> 00:19:27,159 Speaker 2: and we're traveling and like, you know, doing the Bali 431 00:19:27,280 --> 00:19:30,080 Speaker 2: thing or going away for girls' weekends, and then someone 432 00:19:30,119 --> 00:19:31,800 Speaker 2: will drop out because they've got a shift at work 433 00:19:31,920 --> 00:19:34,080 Speaker 2: or something, and being like, oh, well, no, beg you, 434 00:19:34,119 --> 00:19:36,200 Speaker 2: actually you should be paying for that, and they're like, nah, 435 00:19:36,240 --> 00:19:38,840 Speaker 2: I've got to go to work. Like that's not like, oh, 436 00:19:38,920 --> 00:19:40,679 Speaker 2: I do not miss the drama of being in my 437 00:19:40,760 --> 00:19:41,440 Speaker 2: early twenties. 438 00:19:41,600 --> 00:19:45,240 Speaker 4: Yeah, acknowledging that it sucks being the person sometimes, Like 439 00:19:45,280 --> 00:19:47,760 Speaker 4: I'm sure that if this person's got a job, they're 440 00:19:47,760 --> 00:19:48,960 Speaker 4: probably bummed out. 441 00:19:49,040 --> 00:19:50,560 Speaker 2: Or if you've gotten sick and you can't got to 442 00:19:50,560 --> 00:19:52,800 Speaker 2: pay for something I can't use. I get it, totally 443 00:19:52,840 --> 00:19:53,520 Speaker 2: get that that sucks. 444 00:19:53,520 --> 00:19:55,480 Speaker 4: But I'm interested to know what everyone else thought, because 445 00:19:55,520 --> 00:19:56,840 Speaker 4: it feels like we're all on the same page. 446 00:19:56,880 --> 00:19:57,080 Speaker 1: Yeah. 447 00:19:57,080 --> 00:19:59,000 Speaker 2: I just think that if you're going to book a 448 00:19:59,320 --> 00:20:02,119 Speaker 2: trip with girl friends or a trip with any other people, 449 00:20:02,240 --> 00:20:04,800 Speaker 2: you need to have the mindset of this. If I 450 00:20:04,880 --> 00:20:07,720 Speaker 2: pay it is a non refundable trip, regardless of what 451 00:20:07,760 --> 00:20:11,600 Speaker 2: the booking says, it's non refundable because all your friends 452 00:20:11,600 --> 00:20:14,639 Speaker 2: are still going, and that's just not fair totally. We 453 00:20:14,680 --> 00:20:17,919 Speaker 2: did ask some exploratory questions, jess So we said, have 454 00:20:17,960 --> 00:20:19,800 Speaker 2: you ever had a friend pull out of a holiday 455 00:20:19,880 --> 00:20:23,240 Speaker 2: last minute? Thirty six percent of you said yes, lower 456 00:20:23,280 --> 00:20:25,680 Speaker 2: than I thought. To be honest, really, I kind of 457 00:20:25,720 --> 00:20:28,320 Speaker 2: thought it would be like almost fifty to fifty. So 458 00:20:28,359 --> 00:20:31,080 Speaker 2: someone said, if yes, did this impact the cost of 459 00:20:31,119 --> 00:20:35,400 Speaker 2: the holiday you're having? Sixty seven percent said yes, they 460 00:20:35,440 --> 00:20:38,640 Speaker 2: had to absorb the cost. Yeah, I'm not surprised. I'm 461 00:20:38,720 --> 00:20:39,560 Speaker 2: just mad about it. 462 00:20:39,640 --> 00:20:39,879 Speaker 1: I know. 463 00:20:40,440 --> 00:20:42,800 Speaker 2: Someone said, did you pay the difference or did they? 464 00:20:43,040 --> 00:20:45,119 Speaker 2: Fifty one percent said yeah, we had to make up 465 00:20:45,160 --> 00:20:47,680 Speaker 2: the difference. Forty nine percent Nope, the person who pulled 466 00:20:47,680 --> 00:20:51,280 Speaker 2: out paid the extra. Yeah, the heck. And then when 467 00:20:51,320 --> 00:20:54,240 Speaker 2: we asked for your two cents. A lot of people obviously, 468 00:20:54,720 --> 00:20:57,080 Speaker 2: I'm not surprised that this happened, as that happens every week. 469 00:20:57,240 --> 00:20:59,639 Speaker 2: They agreed with our point of view. Jessica's almost like 470 00:21:00,240 --> 00:21:03,200 Speaker 2: our community. But also people were like, oh my gosh, 471 00:21:03,200 --> 00:21:05,439 Speaker 2: this is such a tough one. Both sides are valid 472 00:21:05,600 --> 00:21:08,920 Speaker 2: can't wait to hear the consensus on the pod. You're welcome, Yes, indeed, 473 00:21:09,160 --> 00:21:12,119 Speaker 2: you're enjoyed. Someone said I'd feel so uncomfortable asking a 474 00:21:12,119 --> 00:21:15,120 Speaker 2: friend to pay for a holiday they can't attend, which 475 00:21:15,119 --> 00:21:17,200 Speaker 2: I think is a flip side, Like I get. 476 00:21:17,000 --> 00:21:19,280 Speaker 3: That, I get it, I get it, But if it's 477 00:21:19,320 --> 00:21:22,119 Speaker 3: everything's being booked already, then they're not going out of 478 00:21:22,119 --> 00:21:25,000 Speaker 3: their way to pay for something that they can't attend. 479 00:21:25,080 --> 00:21:28,680 Speaker 3: It's more like everyone paid. I'm assuming everything's being paid 480 00:21:28,720 --> 00:21:31,320 Speaker 3: for and they kind of want their money back. Is 481 00:21:31,320 --> 00:21:32,160 Speaker 3: that what's happening? 482 00:21:32,320 --> 00:21:33,159 Speaker 2: Yeah, I think so. 483 00:21:33,680 --> 00:21:37,439 Speaker 4: I feel like it really filters into the reason that 484 00:21:37,440 --> 00:21:39,359 Speaker 4: they're not going as well. So like if your friend 485 00:21:39,359 --> 00:21:42,119 Speaker 4: had said, oh my gosh, I've just found out that 486 00:21:42,119 --> 00:21:44,800 Speaker 4: I've been made redundant I have no job. Yeah, I 487 00:21:44,840 --> 00:21:47,119 Speaker 4: feel like in that circumstance you probably would be more 488 00:21:47,160 --> 00:21:50,080 Speaker 4: open to having the conversation. Were like, okay, we get it. 489 00:21:50,119 --> 00:21:53,880 Speaker 4: Like being empathetic, I can understand and be more inclined. 490 00:21:53,440 --> 00:21:54,440 Speaker 2: To absorb the cost. 491 00:21:54,720 --> 00:21:56,840 Speaker 4: But I think if in this situation, I'm really sorry, 492 00:21:56,840 --> 00:21:58,840 Speaker 4: I can't go at clashes. I've just got a new job. 493 00:21:59,680 --> 00:22:02,240 Speaker 4: You're applying for jobs knowing that you had that coming up, 494 00:22:02,320 --> 00:22:04,119 Speaker 4: and it's either a conversation that maybe you could have 495 00:22:04,119 --> 00:22:06,840 Speaker 4: had with you and your employer, like can I start afterwards? 496 00:22:07,680 --> 00:22:10,760 Speaker 2: It's not really something that I think is reasonable to 497 00:22:10,800 --> 00:22:13,760 Speaker 2: put back on. I just I couldn't agree. More like, 498 00:22:14,160 --> 00:22:17,360 Speaker 2: the general consensus for me is you should not be 499 00:22:17,480 --> 00:22:21,399 Speaker 2: somebody else's financial burden. Like that's from me, and a 500 00:22:21,440 --> 00:22:23,800 Speaker 2: few other people said, Look, it depends how far in 501 00:22:23,840 --> 00:22:26,480 Speaker 2: advance the trip was booked. Can they find a replacement 502 00:22:26,600 --> 00:22:28,320 Speaker 2: or is it too late. If it's too late, they 503 00:22:28,359 --> 00:22:31,000 Speaker 2: have to pay, which we obviously have just touched on. 504 00:22:31,160 --> 00:22:33,639 Speaker 2: Someone said, it makes me so frustrated as this has 505 00:22:33,640 --> 00:22:35,879 Speaker 2: happened to me. It's why I just choose to travel 506 00:22:35,920 --> 00:22:39,720 Speaker 2: alone or only with my boyfriend. Someone said, obviously, it's 507 00:22:39,720 --> 00:22:43,560 Speaker 2: completely dependent on the reason they've dropped out. Someone said, 508 00:22:43,680 --> 00:22:46,080 Speaker 2: if they knew it was non refundable, ie with the 509 00:22:46,080 --> 00:22:48,240 Speaker 2: hotel or the airline, then they have to front the 510 00:22:48,240 --> 00:22:51,280 Speaker 2: bill and then yeah, everything else was a little bit 511 00:22:51,440 --> 00:22:53,320 Speaker 2: very similar to what we said, and then someone else 512 00:22:53,359 --> 00:22:56,679 Speaker 2: said it seems pretty greedy on my friend's behalf. I 513 00:22:56,720 --> 00:22:59,040 Speaker 2: was like, oh, okay, Like I feel like that's aggressive 514 00:22:59,040 --> 00:23:01,920 Speaker 2: because I think you've touched on something, Jess. It really 515 00:23:01,920 --> 00:23:04,320 Speaker 2: depends on what it is. Like I mean, if a 516 00:23:04,400 --> 00:23:06,880 Speaker 2: parent got sick or something really popped up, I would 517 00:23:06,920 --> 00:23:09,040 Speaker 2: be like, oh my gosh, Like obviously I would prefer 518 00:23:09,200 --> 00:23:11,280 Speaker 2: not to spend this, but like I don't want my 519 00:23:11,359 --> 00:23:14,520 Speaker 2: friend to be out. I think that friendships are give 520 00:23:14,600 --> 00:23:17,639 Speaker 2: and take, like I want to support my friends where possible. 521 00:23:18,040 --> 00:23:20,960 Speaker 2: And I'm not the type of person, even though being 522 00:23:21,040 --> 00:23:23,359 Speaker 2: quite aggressive in this conversation, I would say I'm a 523 00:23:23,400 --> 00:23:27,040 Speaker 2: relatively generous person, Like I don't want other people to, 524 00:23:27,640 --> 00:23:30,639 Speaker 2: you know, be financially struggling or you know, I'm the 525 00:23:30,640 --> 00:23:32,119 Speaker 2: first to go, oh my god, well, Beck, if you 526 00:23:32,119 --> 00:23:34,080 Speaker 2: can't afford it, like I'm happy to chip in a 527 00:23:34,080 --> 00:23:37,080 Speaker 2: little bit more. That's showing my privilege. But at the 528 00:23:37,080 --> 00:23:40,200 Speaker 2: same time, if I didn't have that amount of money, 529 00:23:40,280 --> 00:23:41,880 Speaker 2: like it would be a stress on me, and that's 530 00:23:41,920 --> 00:23:44,760 Speaker 2: not fair to expect. So I think it's one of 531 00:23:44,800 --> 00:23:47,440 Speaker 2: those things where it is really situational. I have a 532 00:23:47,520 --> 00:23:50,479 Speaker 2: hypothetical for you, right, I'm ready. So ten of us 533 00:23:50,480 --> 00:23:51,840 Speaker 2: have booked to go to Bali together. 534 00:23:51,960 --> 00:23:55,480 Speaker 4: Yeah, yeah, someone's pulled out because they've got a new job. 535 00:23:55,520 --> 00:23:59,000 Speaker 4: They've given us eight weeks. Notice the hotel, we can 536 00:23:59,080 --> 00:24:02,639 Speaker 4: still refund it. Do we go through the effort of 537 00:24:02,840 --> 00:24:06,480 Speaker 4: refunding the hotel, finding a new hotel, rebooking the hotel 538 00:24:07,000 --> 00:24:09,000 Speaker 4: based on the fact that this person can't come and 539 00:24:09,040 --> 00:24:12,199 Speaker 4: they're refusing to pay the cost? Like, would you like, 540 00:24:12,240 --> 00:24:14,639 Speaker 4: do you think it is worth with that much notice 541 00:24:14,680 --> 00:24:16,840 Speaker 4: going to that effort with that much? 542 00:24:16,920 --> 00:24:17,280 Speaker 3: Yeah? 543 00:24:17,440 --> 00:24:20,479 Speaker 2: Yeah, so I would say no. Do you know why 544 00:24:20,480 --> 00:24:23,200 Speaker 2: I'd say no? Why? Because you told me that we're 545 00:24:23,240 --> 00:24:26,640 Speaker 2: traveling in a group of ten. How much is the accommodation? 546 00:24:27,160 --> 00:24:29,399 Speaker 2: Like is it, you know, two hundred bucks? Or is 547 00:24:29,440 --> 00:24:31,359 Speaker 2: it two thousand dollars? Like? Are we staying in a 548 00:24:31,400 --> 00:24:34,639 Speaker 2: luxury filler? Because I'm assuming if we're traveling as a 549 00:24:34,640 --> 00:24:37,399 Speaker 2: group of ten, we probably had to book somewhere that 550 00:24:37,440 --> 00:24:39,760 Speaker 2: sleeps twelve to begin with. Do you know what I mean? 551 00:24:40,000 --> 00:24:43,520 Speaker 2: If you book somewhere that sleeps ten, then it's usually 552 00:24:43,600 --> 00:24:45,960 Speaker 2: like four bedrooms and then two people have to sleep 553 00:24:46,000 --> 00:24:48,359 Speaker 2: on the couch. But if you like, I'm just thinking 554 00:24:48,359 --> 00:24:51,200 Speaker 2: too much about this, I'm really sorry but saying would 555 00:24:51,280 --> 00:24:51,640 Speaker 2: you rather? 556 00:24:51,840 --> 00:24:52,040 Speaker 1: Yeah? 557 00:24:52,080 --> 00:24:54,159 Speaker 2: I hate playing would you rather? We do this? All 558 00:24:54,200 --> 00:24:56,600 Speaker 2: the time? Beck we play would you rather? When we 559 00:24:56,640 --> 00:24:58,399 Speaker 2: go to airports and we're sitting like in the lounge 560 00:24:58,400 --> 00:25:00,960 Speaker 2: waiting for our fly love that game, and Gabby always 561 00:25:00,960 --> 00:25:03,920 Speaker 2: asks the best would you rather questions? But then Jess 562 00:25:03,960 --> 00:25:06,120 Speaker 2: gets into the nitty gritty of like, well, okay, well 563 00:25:06,160 --> 00:25:08,160 Speaker 2: if I had need to have all the information, yeah, 564 00:25:08,200 --> 00:25:10,200 Speaker 2: like I need to have all the information, And if 565 00:25:10,200 --> 00:25:12,360 Speaker 2: I was going to be a dog with human hands 566 00:25:13,400 --> 00:25:17,040 Speaker 2: or a cat with a human face, like, am I pretty? 567 00:25:17,359 --> 00:25:17,560 Speaker 3: Yeah? 568 00:25:17,720 --> 00:25:19,399 Speaker 2: You really? I totally get it. 569 00:25:19,400 --> 00:25:21,320 Speaker 3: You're gonna get right into the nitty gritty of it. 570 00:25:21,400 --> 00:25:23,639 Speaker 2: She's like a decision on my hands. If I'm a 571 00:25:23,640 --> 00:25:26,040 Speaker 2: dog with human hands, are they functional? Like Cahn? I 572 00:25:26,080 --> 00:25:30,360 Speaker 2: wave like yeah, okay, anyway, I think that that's important 573 00:25:30,440 --> 00:25:33,080 Speaker 2: because am I going to go find another place? Is 574 00:25:33,119 --> 00:25:35,399 Speaker 2: the cost actually just going to be the same to 575 00:25:35,440 --> 00:25:38,560 Speaker 2: have somewhere that sleeps nine people instead of ten because 576 00:25:38,600 --> 00:25:42,000 Speaker 2: it's a group booking? Or do we book separate hotel 577 00:25:42,080 --> 00:25:44,439 Speaker 2: rooms for every single person staying, in which case it 578 00:25:44,520 --> 00:25:47,119 Speaker 2: might be worth it. But if we've booked a group 579 00:25:47,160 --> 00:25:49,800 Speaker 2: holiday and we've booked a nice villa and there's ten 580 00:25:49,880 --> 00:25:52,840 Speaker 2: beds and ones allocated to you, I don't think we 581 00:25:52,840 --> 00:25:56,119 Speaker 2: should be changing locations or if you're probably why people 582 00:25:56,119 --> 00:25:57,359 Speaker 2: don't go on holidays with me. 583 00:25:58,520 --> 00:26:01,119 Speaker 4: If you're a person who is cam, Yeah, do you 584 00:26:01,119 --> 00:26:03,520 Speaker 4: think a good way to approach the conversation if you 585 00:26:03,640 --> 00:26:07,240 Speaker 4: have this theoretical abundance of time is to say, I've 586 00:26:07,240 --> 00:26:08,600 Speaker 4: looked at the cost, I don't want to put you 587 00:26:08,680 --> 00:26:11,720 Speaker 4: guys out. Here's a potential alternative. I'm happy to do 588 00:26:11,760 --> 00:26:14,520 Speaker 4: the admin work to cancel and rod that's kind. We 589 00:26:14,560 --> 00:26:16,600 Speaker 4: think that that's maybe like a happy medium if you're 590 00:26:16,640 --> 00:26:20,160 Speaker 4: this person in a situation that we're acknowledging does suck. Absolutely, 591 00:26:20,280 --> 00:26:22,240 Speaker 4: Is that maybe a middle ground to approach it? 592 00:26:22,359 --> 00:26:25,199 Speaker 2: Absolutely, if there's a cheaper alternative and you've offered to 593 00:26:25,200 --> 00:26:27,880 Speaker 2: do the grunt work. Absolutely, Yeah, I think that that's 594 00:26:27,920 --> 00:26:33,560 Speaker 2: actually the smart thing to do, or even offered suitable alternatives. Yeah, Yeah, 595 00:26:33,600 --> 00:26:35,680 Speaker 2: that's a nice middle Like the finding of the. 596 00:26:35,640 --> 00:26:37,320 Speaker 4: Person that you were saying before, Like if you have 597 00:26:37,359 --> 00:26:40,080 Speaker 4: an activity and it's reasonable to you know, bring someone 598 00:26:40,080 --> 00:26:41,560 Speaker 4: else in, like, oh, I can't make it, but my 599 00:26:41,600 --> 00:26:42,720 Speaker 4: other friend that you're also. 600 00:26:42,560 --> 00:26:47,240 Speaker 2: Friends with, my colleague, Yeah, here's my coworker. But to 601 00:26:47,440 --> 00:26:50,600 Speaker 2: overlay that, like let's say we do that someone's yeaeded 602 00:26:50,800 --> 00:26:52,600 Speaker 2: and they're not coming on our group cheery. But at 603 00:26:52,640 --> 00:26:54,760 Speaker 2: ten it's now down to nine. You and I know 604 00:26:54,960 --> 00:26:57,679 Speaker 2: Jess that there's a spare bed, so we invite another friend. 605 00:26:58,880 --> 00:27:02,639 Speaker 2: You now under the obligation to release the first person, 606 00:27:02,800 --> 00:27:07,360 Speaker 2: I think, because you've replaced them, absolutely give We give 607 00:27:07,400 --> 00:27:10,040 Speaker 2: Beck her money away. No, no, no, they can't pay 608 00:27:10,080 --> 00:27:13,120 Speaker 2: an addition, So like you, you replace it go all right, Beck, 609 00:27:13,440 --> 00:27:15,240 Speaker 2: like you get your money back because we actually found 610 00:27:15,240 --> 00:27:16,119 Speaker 2: someone to replace you. 611 00:27:16,400 --> 00:27:16,560 Speaker 1: Ah. 612 00:27:16,800 --> 00:27:19,120 Speaker 2: Yes, But you should have been in the position, from 613 00:27:19,119 --> 00:27:22,040 Speaker 2: my perspective, to say, okay, well I'm going to pay 614 00:27:22,080 --> 00:27:25,479 Speaker 2: for this unless I'm replaced. Yes, okay, okay, but that 615 00:27:25,480 --> 00:27:26,960 Speaker 2: person who's replacing can't pay. 616 00:27:27,040 --> 00:27:28,800 Speaker 3: Is that what you're saying? No, No, they pay, they 617 00:27:29,000 --> 00:27:31,000 Speaker 3: pay you exactly. I think the person replacing pays. 618 00:27:31,240 --> 00:27:33,200 Speaker 2: They pay you. Yeah, they don't get a free ride. 619 00:27:33,480 --> 00:27:37,560 Speaker 3: No, it's like a bond transfer when you're geology. 620 00:27:37,920 --> 00:27:41,040 Speaker 2: It's a bond transfer in the share house, the temporary 621 00:27:41,119 --> 00:27:45,760 Speaker 2: share house, share house, temporary share villa. We should Bali. 622 00:27:46,040 --> 00:27:49,560 Speaker 2: I love where this is going in Bali. She's on 623 00:27:49,600 --> 00:27:54,639 Speaker 2: the money. A single who listens to this podcast for covering, 624 00:27:56,760 --> 00:27:59,040 Speaker 2: would you Balley meet and greet to make it a 625 00:27:59,160 --> 00:28:03,320 Speaker 2: tax to doc in. We could take we could pack 626 00:28:03,359 --> 00:28:05,639 Speaker 2: up all our pod stuff. Oh god, we can potcasts 627 00:28:05,640 --> 00:28:08,639 Speaker 2: from anywhere. I just I don't want to say trip 628 00:28:08,920 --> 00:28:11,960 Speaker 2: I was anyone? Does anyone that went down really well? 629 00:28:12,200 --> 00:28:16,239 Speaker 2: Just car back in the day. I'm getting can't a 630 00:28:16,240 --> 00:28:20,040 Speaker 2: makeup brand in the eye? Oh yeah, tart tr t. 631 00:28:20,760 --> 00:28:21,840 Speaker 2: I'm getting way off track. 632 00:28:21,840 --> 00:28:22,240 Speaker 4: I might not. 633 00:28:22,840 --> 00:28:24,760 Speaker 2: No, I love it if this makes it to the 634 00:28:24,800 --> 00:28:29,359 Speaker 2: cod Just no. Content this week was dire. It's a 635 00:28:29,359 --> 00:28:29,880 Speaker 2: beauty brand. 636 00:28:29,880 --> 00:28:32,080 Speaker 4: They used to do make up trips for influencers and 637 00:28:32,119 --> 00:28:33,520 Speaker 4: so that they would go and they would go to 638 00:28:33,560 --> 00:28:35,879 Speaker 4: Bali and they'd do these huge villas and they'd brand 639 00:28:35,920 --> 00:28:37,440 Speaker 4: everything and they'd be free stuff. Anyway. It was a 640 00:28:37,440 --> 00:28:39,640 Speaker 4: whole thing, okay, And then they did it again this year. 641 00:28:39,680 --> 00:28:41,200 Speaker 4: It was like the first time post COVID, and it 642 00:28:41,200 --> 00:28:42,680 Speaker 4: blew up on TikTok because there was a lot of 643 00:28:42,680 --> 00:28:44,520 Speaker 4: discourse around who was invited. 644 00:28:44,160 --> 00:28:47,000 Speaker 2: And I was like, li truly no diversity it was, 645 00:28:48,120 --> 00:28:50,920 Speaker 2: but also people not really comprehending the fact that it 646 00:28:51,000 --> 00:28:53,680 Speaker 2: was probably more affordable for them to send everyone on 647 00:28:53,720 --> 00:28:55,120 Speaker 2: this luxury trip to Dubai. 648 00:28:55,240 --> 00:28:56,880 Speaker 4: I think it was then it would be for them 649 00:28:56,920 --> 00:28:59,000 Speaker 4: to buy and add on television, for example. So it's 650 00:28:59,000 --> 00:29:01,440 Speaker 4: like a cost benefiting getting very off track, but anyway, 651 00:29:01,480 --> 00:29:03,080 Speaker 4: like we could do that, but everything's. 652 00:29:02,640 --> 00:29:05,600 Speaker 2: Also just a little bit insensitive coming out of COVID, 653 00:29:05,680 --> 00:29:08,680 Speaker 2: being like here's a big fancy influencer tree. Anyway, there's 654 00:29:08,680 --> 00:29:11,560 Speaker 2: a lot to break down about that circumstance and slip 655 00:29:11,640 --> 00:29:13,720 Speaker 2: into it. Just you guys know that's in Bali one 656 00:29:13,800 --> 00:29:16,680 Speaker 2: day soon we can they can brandon villa. She's on 657 00:29:16,720 --> 00:29:19,400 Speaker 2: the money. Do you know what, It'll probably be cheaper 658 00:29:19,720 --> 00:29:21,800 Speaker 2: to have a villa in Bali for a month that 659 00:29:21,880 --> 00:29:23,560 Speaker 2: it is to run our office in the city for 660 00:29:23,560 --> 00:29:25,720 Speaker 2: a month. So I reckon, that's a good trade off. 661 00:29:25,800 --> 00:29:28,360 Speaker 2: Let's go, let's do it. Let's do it really really 662 00:29:28,440 --> 00:29:30,800 Speaker 2: quickly to get back on track. We don't want to 663 00:29:30,880 --> 00:29:32,640 Speaker 2: us back on track. We don't want to sorry for 664 00:29:32,760 --> 00:29:35,760 Speaker 2: you guys work. We want to go to Bali. We 665 00:29:35,800 --> 00:29:37,000 Speaker 2: can do that. We can do that straight after. 666 00:29:37,320 --> 00:29:40,000 Speaker 3: So in this DM they did mention, how do I 667 00:29:40,080 --> 00:29:44,360 Speaker 3: best approach this so that the other person can understand it? 668 00:29:44,400 --> 00:29:46,880 Speaker 2: Such a good send them this episode, send them episode. 669 00:29:46,920 --> 00:29:50,280 Speaker 2: But also I would say very aggressive. They might know 670 00:29:50,320 --> 00:29:52,160 Speaker 2: you've been talking about really aggressive. 671 00:29:52,160 --> 00:29:55,400 Speaker 3: Imagine just sending this without any context. Maybe don't don't 672 00:29:55,400 --> 00:29:56,960 Speaker 3: do that. Actually, maybe just. 673 00:29:56,840 --> 00:29:59,040 Speaker 2: Like send it to them with a time stamp so 674 00:29:59,080 --> 00:30:01,560 Speaker 2: they can't see how the stuff. Yeah, only listen to 675 00:30:01,560 --> 00:30:03,440 Speaker 2: the path that's about them. Yeah, yeah, yeah. 676 00:30:03,760 --> 00:30:07,840 Speaker 3: Or I would say, just kind of explain it, give 677 00:30:07,920 --> 00:30:08,840 Speaker 3: them some quick math. 678 00:30:08,920 --> 00:30:09,760 Speaker 2: Actually, maybe give. 679 00:30:09,600 --> 00:30:11,440 Speaker 3: Them too many numbers so they get a bit confused, 680 00:30:11,440 --> 00:30:13,720 Speaker 3: and just say, Okay, I'm happy to release the money, 681 00:30:13,720 --> 00:30:13,960 Speaker 3: but that. 682 00:30:13,960 --> 00:30:18,720 Speaker 2: It's not acceptable back community, not in this is the 683 00:30:18,720 --> 00:30:20,160 Speaker 2: best way to do it. He knows them. 684 00:30:20,360 --> 00:30:23,600 Speaker 3: Just explain that. You know it's you guys all took 685 00:30:23,600 --> 00:30:26,320 Speaker 3: into consideration how much you're willing to spend with that 686 00:30:26,400 --> 00:30:29,440 Speaker 3: person in mind, and you would have calculated it differently 687 00:30:29,840 --> 00:30:31,400 Speaker 3: if you knew that they were going to bail, So 688 00:30:31,440 --> 00:30:33,480 Speaker 3: you can't all afford to put out any more money 689 00:30:33,640 --> 00:30:36,680 Speaker 3: at this stage, And hopefully they understand. That's my two cents. 690 00:30:36,440 --> 00:30:38,640 Speaker 4: And a good lesson for anyone going forward if you 691 00:30:38,680 --> 00:30:41,160 Speaker 4: are booking big group trips is maybe have that conversation 692 00:30:41,240 --> 00:30:42,960 Speaker 4: up front and just say, hey, everyone, we're locking this 693 00:30:43,040 --> 00:30:46,000 Speaker 4: in if anyone's got to pull out, are we all 694 00:30:46,080 --> 00:30:48,520 Speaker 4: on the same page in regards to you bail too. 695 00:30:48,600 --> 00:30:51,720 Speaker 2: Bout. There's a whole conversation to have around that as well, 696 00:30:51,760 --> 00:30:55,160 Speaker 2: about what happens if everybody doesn't want to chip in 697 00:30:55,200 --> 00:30:57,200 Speaker 2: and then someone's put it on their credit card and 698 00:30:57,200 --> 00:30:59,360 Speaker 2: they're out. Oh my gosh. It's a whole thing. But 699 00:30:59,440 --> 00:31:02,120 Speaker 2: I think we just need to be the future. Yes, 700 00:31:02,280 --> 00:31:05,280 Speaker 2: let's do another episode about traveling to Bali, but we 701 00:31:05,320 --> 00:31:06,040 Speaker 2: do it from Bari. 702 00:31:06,880 --> 00:31:09,840 Speaker 4: Yeah, she's really, she's like hypher fixated this. 703 00:31:10,080 --> 00:31:12,000 Speaker 2: I'm going to do it. Catch me in Bali, guys, 704 00:31:12,040 --> 00:31:14,000 Speaker 2: I will see you there all right, talking about catching 705 00:31:14,000 --> 00:31:16,240 Speaker 2: me later. I think we should go. This episode has 706 00:31:16,280 --> 00:31:18,280 Speaker 2: gotten off track. I think our producer is going to 707 00:31:18,360 --> 00:31:20,200 Speaker 2: have something to say about it. But what we can 708 00:31:20,240 --> 00:31:22,680 Speaker 2: do is go to Barli so she can't catch us. 709 00:31:23,240 --> 00:31:32,920 Speaker 2: See you next week, guys, Bye guys. By The advice 710 00:31:32,960 --> 00:31:35,520 Speaker 2: shared on She's on the Money is general in nature 711 00:31:35,600 --> 00:31:39,080 Speaker 2: and does not consider your individual circumstances. She's on the 712 00:31:39,120 --> 00:31:42,680 Speaker 2: Money exists purely for educational purposes and should not be 713 00:31:42,760 --> 00:31:46,120 Speaker 2: relied upon to make an investment or financial decision. If 714 00:31:46,120 --> 00:31:48,480 Speaker 2: you do choose to buy a financial product, read the 715 00:31:48,520 --> 00:31:53,160 Speaker 2: PDS TMD and obtain appropriate financial advice tailored towards your needs. 716 00:31:53,480 --> 00:31:57,400 Speaker 2: Victoria divine and she's on the money. Are authorized representatives 717 00:31:57,440 --> 00:32:00,680 Speaker 2: of Money SPA pty Ltd. A B E N three 718 00:32:00,720 --> 00:32:03,960 Speaker 2: two one six four nine two seven seven zero eight 719 00:32:04,240 --> 00:32:08,920 Speaker 2: A F s L four five one two eight nine