Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it. She's on the Money.
Speaker 3: She's on the Money.
Speaker 2: Hello, and welcome to She's on the Mune, the podcast
Speaker 2: for millennials who want financial freedom. My friends, today is
Speaker 2: Friday again, which means it is time to get the
Speaker 2: team together and celebrate you ow incredible. She's on the
Speaker 2: Money community today, Miss Grici over there is going to
Speaker 2: be sharing our favorite money wins. We're going to be
Speaker 2: helping to answer a juicy money dilemma, which this week
Speaker 2: is all about hextet, and we're going to be unpacking
Speaker 2: something you slid into our DMS about this week. We're
Speaker 2: talking about when your friend pulls out of a trip
Speaker 2: and the cost goes up. My friends, how has your
Speaker 2: week been? Hi?
Speaker 3: Good? Good week for me?
Speaker 2: Good to know?
Speaker 3: Beck?
Speaker 2: Yeah, good to know good busy good busy good busy?
Speaker 2: Becau's your new job going? Are we still loving it?
Speaker 3: Still loving it?
Speaker 4: Always too much? I'm like, is there something I'm missing?
Speaker 2: Yeah? Yeah, I don't lulling you into her false sense
Speaker 2: of security must be Yeah, they might be.
Speaker 3: It's exactly how it went for me.
Speaker 2: Ess. Have we decompressed off the IWD high that we've
Speaker 2: been riding for the last couple of weeks.
Speaker 3: Yeah, feeling good. Back into routine, which is a bit
Speaker 3: sad but also kind of nice. Like it's kind of
Speaker 3: a you know, too sad a thing like it's sad
Speaker 3: because the travel and sing everyone's so fun, but it's
Speaker 3: good because productivity.
Speaker 2: Much when you can just sit down to your emails
Speaker 2: and just like get through them and then be like, wow,
Speaker 2: I don't have to get up and run away right now.
Speaker 2: It's actually very liberating.
Speaker 3: I like it. I like it.
Speaker 2: My week has been really good. So sorry what.
Speaker 4: Oh no, I just said something silly. We are just
Speaker 4: talking about doing laundry in your own house is nice.
Speaker 2: Anyway, doing laundry in your own house is nice. Why
Speaker 2: would we not be doing laundry our own house because
Speaker 2: we've been on holiday and we've been traveling.
Speaker 3: Just because you're only gone short days. I just was like,
Speaker 3: that's the problem. When I got home.
Speaker 2: Yeah, I bent all mine up. Actually it's a good point.
Speaker 2: I do only do laundry in my own house. And
Speaker 2: you guys actually worked from my house earlier this week,
Speaker 2: and I think everyone that walked in the front door
Speaker 2: was like, wow, it smells like laundry in here, because
Speaker 2: like I had just done heaps of loads of laundry,
Speaker 2: and I was like, yeah, because they banked it all
Speaker 2: up from us travel. So sorry, sorry, but miss JESSI
Speaker 2: I want to know what are you going to be
Speaker 2: sharing with us this week? What are our community money wins?
Speaker 3: All right? I'm actually going to start off this week
Speaker 3: with a money loss which came from Lauren. But it's
Speaker 3: a good reminder for everybody because she said money loss.
Speaker 3: My doctor didn't tell me I could go to a
Speaker 3: bulk billing MRI clinic and sent me to one where
Speaker 3: I had to pay had to pay two hundred and
Speaker 3: seventy dollars each time for two MRIs. I'm now in
Speaker 3: a whole heap of medical fees my fracture hand. Many
Speaker 3: tears have been shared, Lauren. I hope you're feeling okay.
Speaker 3: I hope your week got better. But also I had
Speaker 3: to book a doctor's appointment this week just to pick
Speaker 3: up a new medication. And my normal doctor no longer
Speaker 3: bulk bills. I've heard that, and I've got on and
Speaker 3: I checked, and I've heard it's a pretty widespread thing.
Speaker 3: A lot of local gps are shifting to normal billing,
Speaker 3: not bulk billings. You're going to go in check or
Speaker 3: use the hot dog app because it tells you whether
Speaker 3: they're bulk built or not. Hot doc apps grow. It's
Speaker 3: so yady. I don't know what we did before it,
Speaker 3: but yeah, if you're going to the doctor, I would say,
Speaker 3: don't get stung, because I, like Lauren, got bit in
Speaker 3: the butt unfortunately, So check your doctors. But moving on
Speaker 3: to a money win this week, I have one from
Speaker 3: Alexandra who said I went to the Hunter Markets on
Speaker 3: the weekend as a storeholder. I made seven hundred dollars
Speaker 3: on clothes I was just throwing out nice I also
Speaker 3: managed to score Tony Bianco sandals for ten dollars brain
Speaker 3: New money Ween money Ween. We held a store that
Speaker 3: once we.
Speaker 2: Did, I didn't make seven hundred bucks. Stock was she selling?
Speaker 3: I know, if you've got any tips for Alexander, let
Speaker 3: us know.
Speaker 2: She's like, have better outfits, Jessica.
Speaker 3: Maybe that was exactly stop trying to.
Speaker 2: Sell everybody your trash and start partying with those Maxi
Speaker 2: dresses everyone keeps asking me for.
Speaker 3: Next, money win comes from a Laura who said I
Speaker 3: wanted to buy the She's on the Money budget journal,
Speaker 3: but because it was my birthday on Saturday, I ended
Speaker 3: up getting it as a gift. Money win hard.
Speaker 2: I love a little She's on the Money gift.
Speaker 3: As a present. I think it's so sweet. Next, I've
Speaker 3: got a money win from Taylor, who said money win.
Speaker 3: I purchased a very reasonably priced secondhand reformer from my
Speaker 3: local Coloni studio.
Speaker 2: That's not a thing so reasonably priced reform.
Speaker 3: It's a reformer, how clever, though I would never have
Speaker 3: even thought to buy one.
Speaker 2: A pillartis reformer. It's like apparatus that you know when
Speaker 2: you see like those really skinny women on Instagram on
Speaker 2: the reformer pilarates mission like the thing you lay down on.
Speaker 5: Yeah, oh she.
Speaker 2: Thought the whole thing she bought like a whole thing.
Speaker 3: She put a photo. It looks real cute nook. My god, wowow, wow, gosh.
Speaker 2: I want one of those so bad, but I didn't
Speaker 2: realize how expensive they were, and I tried to buy one.
Speaker 2: I was looking everywhere IL was on, like eBay and Facebook,
Speaker 2: Marketplace and gum Tree, and they were all a couple
Speaker 2: of thousand dollars. So the massage has nabbed one cheaply
Speaker 2: money wine.
Speaker 3: I love that for you. And then one last money
Speaker 3: win that we shared on Instagram this week, The Victorian
Speaker 3: Energy Bonus if you're in VIC is back, so previously
Speaker 3: fifty dollars rus Jessica.
Speaker 1: Yeah.
Speaker 3: And if you're thinking, oh I already got it, I
Speaker 3: can't get it. No, No, it's renewed. It's just renewed,
Speaker 3: so even if you compared your energy bill previously, you
Speaker 3: can jump on the website and we'll have it linked
Speaker 3: in the show notes. Or I think we popped on
Speaker 3: as stories this week and get yourself a free two
Speaker 3: hundred and fifty bucks because why not week?
Speaker 2: Don't say we don't do anything for you. With She'ese
Speaker 2: on the Money, You're welcome. All right, guys, we're going
Speaker 2: to go to a really quick break. But on the
Speaker 2: flip side, we're going to be talking about hex stet
Speaker 2: and we're also unpacking what happens when your friend pulls
Speaker 2: out of a trip but you've already paid and now
Speaker 2: it's going to cost you more. Don't go anywhere.
Speaker 3: Welcome back, everybody. Should we jump arriety into this week's
Speaker 3: money dilemma because I feel like we're gonna have a
Speaker 3: lot to say.
Speaker 2: I'm ready leg go Hi there. Have you got a
Speaker 2: money dilemma you just can't solve? The She's on the
Speaker 2: Money team is here to help. Every week we tackle
Speaker 2: your dilemmas, both big and small, to answer your most
Speaker 2: burning money, career and life questions. To get involved, simply
Speaker 2: head to our website and leave us a short voice
Speaker 2: recording and you might just find yourself on the show. Now,
Speaker 2: let's take a listen to this week's money dilemma.
Speaker 5: Heyving and team, I just have a question about HEX.
Speaker 5: I currently around twenty thousand dollars in my HEX debt
Speaker 5: at my current job. I have been working there for
Speaker 5: about two years now, and obviously with every paycheck I get,
Speaker 5: I get a little bit less, and that is going
Speaker 5: towards paying my HEX off. I have noticed, though, recently,
Speaker 5: that my job has only made one repayment on my
Speaker 5: HEX and it's only been for about one thousand dollars,
Speaker 5: which doesn't really add up with the amount of money
Speaker 5: that's been coming out of my pay packet because of that,
Speaker 5: So I wanted to know how often should our employers
Speaker 5: be making these repayments and what can we do about
Speaker 5: it if they're not.
Speaker 4: I don't have any advice for this one, obviously. Okay,
Speaker 4: I know that's not shocking, but that is a really
Speaker 4: good question. I do wonder that myself. Is the interest,
Speaker 4: like is the interest on HEX indexation?
Speaker 2: There's indexations I'm paying interest, which, yeah, Jess, carry on.
Speaker 2: I'll let you you take the reins on this one,
Speaker 2: because I know you know.
Speaker 3: So indexation is adjusted for inflation every year, if I am,
Speaker 3: is it that correct? Victoria after far?
Speaker 2: Yes, yes, this is great. It's an average of the
Speaker 2: previous two financial years, so you're not going to get
Speaker 2: slammed with this year's inflation rate. But obviously it's going
Speaker 2: to be high because this year's inflation rate was relatively high.
Speaker 2: It will be an average of the last two financial years.
Speaker 3: Yeah, So saying that this year indexational grapple. And we
Speaker 3: had question a few weeks ago from someone, if I
Speaker 3: remember correctly, asking about if they should look at paying
Speaker 3: that back because indexation is jumping quite a bit this year.
Speaker 3: But that's all we're asking. We're asking how often should
Speaker 3: we contributing? And I actually don't know the answer to that. VD.
Speaker 2: So your employer is actually going to withhold additional amounts
Speaker 2: from each of your pay period and then send that
Speaker 2: full amount to the ATO, So obviously I don't know
Speaker 2: what you're earning. That context would have helped. Obviously it's
Speaker 2: going to be in line with your income as to
Speaker 2: how much you're paying back each year. But a thousand
Speaker 2: dollars does not sound correct in any circumstance. So I'm
Speaker 2: assuming that they haven't done that. There could be a
Speaker 2: couple of reasons for this. So as an employer, I
Speaker 2: pay back HEX every time I do tax, and I
Speaker 2: do tax four times a year. I do my business
Speaker 2: tax whenever I get my best statement, which was my
Speaker 2: business activity statement, And that's just a way for small
Speaker 2: business owners or even just normal business owners to keep
Speaker 2: up with making sure that you know, come June thirty,
Speaker 2: I don't get lumped with every single dollar of tax
Speaker 2: that I was meant to pay for that twelve month period.
Speaker 2: Like that does not sound sexy. So I do it
Speaker 2: every three months. So I make sure that your souper
Speaker 2: is done quarterly, and I make sure that you know
Speaker 2: everything is up to date and squeaky clean. But I
Speaker 2: pay on a monthly basis, So I take it out
Speaker 2: of your pages every single month and withhold it and
Speaker 2: then pay it in a quarterly amount because that's just
Speaker 2: when I log in and do that process. In saying
Speaker 2: that there are some employers who might do that on
Speaker 2: a weekly basis, because you can do that on a
Speaker 2: weekly basis, I just don't like admins light put it
Speaker 2: off at the end of the day. It's going to,
Speaker 2: you know, depend on the employer. But obviously at the
Speaker 2: end of each pay period or financial year, they should
Speaker 2: have sent the full amount to your HEX to make
Speaker 2: sure it is being paid off. So what happens then
Speaker 2: is the ATO is going to calculate your help or
Speaker 2: HEX repayments when you lodd your tax return to make
Speaker 2: sure that everything's lining up, because what could have happened
Speaker 2: is you got a higher paying job halfway through the years,
Speaker 2: so your help repayments were higher and therefore you know
Speaker 2: there might be a difference there, or maybe you forgot
Speaker 2: to tell your new employer that you even had a
Speaker 2: help repayment and you're in a bit of a pickle
Speaker 2: and have to pay back a bit more. So they're
Speaker 2: just making sure that all the boxes are ticked and
Speaker 2: everything has been done correctly. Obviously, if it turns out
Speaker 2: that your employers withheld too much, you might get a refund,
Speaker 2: which could be really sexy. And obviously if they've not
Speaker 2: paid enough, you might need to actually pay and that
Speaker 2: might be a liability for you. But essentially, you doing
Speaker 2: your tax return is going to tell you whether your
Speaker 2: employer paid that or not. So it's not just like
Speaker 2: a voluntary thing. It's obviously necessary and you're going to
Speaker 2: find out when you do your tax return because your
Speaker 2: help slash hex's debt is related to the ATO and
Speaker 2: completely connected, so they'll be able to tell you. So
Speaker 2: if you're worried that your employer hasn't done this, I
Speaker 2: wouldn't go full gung ho to begin with I would
Speaker 2: actually contact the ATO and ask about it. I would
Speaker 2: log into my portal on the MyGov website first, have
Speaker 2: a look at it. If that's not making sense, I
Speaker 2: would then literally call the ATO. They're super friendly there,
Speaker 2: I promise, and they will help you, and they will
Speaker 2: go all right, no worries, Let's have a look at
Speaker 2: what should have been paid versus what we have currently
Speaker 2: withheld for it to be processed. But the best way
Speaker 2: to find that out is if you do tax return basically,
Speaker 2: and then at that point, if your employer isn't actually
Speaker 2: paying the right amount or there's been stuff that has
Speaker 2: been missed, that's when you would talk to your employer.
Speaker 2: If the business is bigger, I would talk directly to
Speaker 2: payroll and be like, what the heck is going on?
Speaker 2: Obviously it's less and this is not a good thing,
Speaker 2: but it's less of an issue the bigger the company.
Speaker 2: So obviously the bigger the company, the more clean the
Speaker 2: processes are usually going to be. And if your hex
Speaker 2: repayments have been missed, it's usually just like literally a
Speaker 2: processing slash admin error and they'll probably fix it up
Speaker 2: quick smart. If your employer is a little bit of
Speaker 2: a cheeky rabbit and not doing the right thing, and
Speaker 2: they're a small business. That might be a harder conversation
Speaker 2: to be had, but know you're worth and follow it.
Speaker 2: I think we don't need to be aggressive in these circumstances.
Speaker 2: Just hey, you haven't paid me this. It needs to
Speaker 2: be fixed. Otherwise I'll take it up with the ATO.
Speaker 4: Could it be possible that it looks like that amount
Speaker 4: or you know, what you think should have been paid
Speaker 4: hasn't been paid simply because of that indexation thing, so
Speaker 4: it looks like only a thousand dollars been paid.
Speaker 3: Potentially, like if she's looking at like the total amount
Speaker 3: on your hex statement, Like if you go into your
Speaker 3: Mygove portal and click on your hex statement, it will
Speaker 3: tell you what payments have been made and what indexation
Speaker 3: has been implied in separate line items, so it will
Speaker 3: be really broken down.
Speaker 2: It will be very clear for you to be able
Speaker 2: to see as somebody who has a ridiculous hex step.
Speaker 2: Still I look at that and it makes me angry.
Speaker 2: So I do know that that document quite well. But
Speaker 2: also it might just be because your tax hasn't been
Speaker 2: lodged yet and it hasn't all been reconciled. So that's
Speaker 2: why I'm saying, just check first, because you don't want
Speaker 2: to accuse your employer of not paying it when maybe
Speaker 2: they have, because that could especially if they're a small business,
Speaker 2: it could just be really awkward. Like I mean, Jess,
Speaker 2: I'd find it really awkward if you're like the you
Speaker 2: haven't paid this, and I'd be like, oh my gosh,
Speaker 2: I definitely have let me go fix this. Yeah, Like,
Speaker 2: I'm not saying that obviously i'd tackle that head on,
Speaker 2: but I think it's one of those things where I'd
Speaker 2: be really upset if there was a lack of trust.
Speaker 2: And I'm not saying that that should ever come into play.
Speaker 2: I'm just saying, like, approach these things with a level
Speaker 2: of caution just because you don't want to get someone offside,
Speaker 2: because by saying that, you're kind of saying I don't
Speaker 2: really trust this process. Please fix but dott all your
Speaker 2: eyes and cross all UT's beforehand to make sure it
Speaker 2: hasn't been paid before you go all right, you haven't
Speaker 2: paid my hex, and I can go, heck, what has happened.
Speaker 2: Maybe I've forgotten to do it, or maybe I've taken
Speaker 2: it out of the wrong account. Maybe it hasn't been
Speaker 2: processed yet, and it can be an open honest conversation.
Speaker 2: I think approaching these things as though it should be
Speaker 2: an open honest conversation. Like if I just said to you, hey, Beck,
Speaker 2: my hex hasn't been paid, can we just fix that?
Speaker 2: It's not so much. I was just wondering, No, no,
Speaker 2: my hex hasn't been paid. It needs to be paid. Yeah,
Speaker 2: Like at the end of the day, it's just a
Speaker 2: very pragmatic conversation. We don't need to make this emotional.
Speaker 2: So that's where I would be going.
Speaker 3: Yeah, speaking of open honest conversations, this week, someone's let
Speaker 3: into our DMS about a topic that I feel like
Speaker 3: requires exactly that. What did they say?
Speaker 2: You're right, Jess. We had a very interesting community dilemma
Speaker 2: because I feel like this could cause a few arguments
Speaker 2: in friendship grips. So did our DM set hello, this
Speaker 2: is for the community DM. My friends and I have
Speaker 2: planned a trip to Bali. We paid for everything and
Speaker 2: it was all locked and loaded until one of my
Speaker 2: friends said she can't make the trip anymore because of work.
Speaker 2: She pulled out and it's going to cost us around
Speaker 2: three hundred dollars extra each and we just don't think
Speaker 2: we should have to foot her bill after she's agreed.
Speaker 2: Her argument is that we're the ones going and she isn't,
Speaker 2: so it's not fair for her to pay. Not sure
Speaker 2: how to approach it or frame it for her in
Speaker 2: a way that she's going to understand.
Speaker 3: Awkward, that is awkward, no chance.
Speaker 4: If I've done that before, I've pulled out of a
Speaker 4: trip last minute, I just I'm sorry. That's not my
Speaker 4: money anymore.
Speaker 3: That's gone into the petty couple loss. Like I feel
Speaker 3: like in this situation, and I've been that person too.
Speaker 3: I did it last year when we went to Europe.
Speaker 3: I had like a little weekend away booked and then
Speaker 3: you're like, do you want to go to Europe? And
Speaker 3: I was like, yes, I would like to go to Europe.
Speaker 2: So obviously, like I didn't know that happened. Sorry for
Speaker 2: putting you in that situation, but.
Speaker 3: No, it's so fine, and it's a group of friends
Speaker 3: that we go away with pretty regularly, so I didn't
Speaker 3: feel bad.
Speaker 2: It wasn't black guy, now I feel bad.
Speaker 3: No, No, it wasn't like a one year thing that
Speaker 3: I like bailed on, because then I would feel bad
Speaker 3: but in that situation, I literally said, oh, I can't
Speaker 3: make it, and that was the end of the conversation
Speaker 3: because from my perspective, if I pull my money out,
Speaker 3: you've accommodated for me within that group, Like the accommodation,
Speaker 3: you've accounted for ten people so instead of nine people,
Speaker 3: and you've if you've pre booked activities. I don't see
Speaker 3: the reason that somebody else should wear change of mind.
Speaker 3: And I know that it's more complex if maybe you've
Speaker 3: pulled out because you're sick and you don't want to
Speaker 3: get other people or whatever, but.
Speaker 2: I'm sorry, that's still that's still a cost, like as
Speaker 2: an offable booking. From my perspective, I don't mean to
Speaker 2: be rude, but like it's the risky tech pay to
Speaker 2: play baby totally and like you know, if if someone
Speaker 2: else is like, hey, I'll take your place and I'll
Speaker 2: pay you for it, oh yeah, but if not, then unfortunately,
Speaker 2: it's just yeah, there's going to be a bed there
Speaker 2: that was allocated to you have to soak that up. Like, yeah,
Speaker 2: we've done group trips before, and I'm sure you guys
Speaker 2: have done it where everyone kind of has this chat
Speaker 2: we all want to go on a group trip. You know,
Speaker 2: there's ten of us going, so we find a place
Speaker 2: that's within our budget because we know, all right, well
Speaker 2: Beck said that she reckons two hundred bucks for accommodation
Speaker 2: for the weekndle it's you know, times that by the
Speaker 2: ten people that are there. If you've set your budgets
Speaker 2: and you've you know, communicated with your friends like this
Speaker 2: is what this is, and you know you've all agreed,
Speaker 2: ye for me to then say, oh, well I don't
Speaker 2: want to come, my two hundred dollars for the weekend
Speaker 2: should be divided and you know, soaked out by the
Speaker 2: rest of you. Absolutely not, Like, if you've committed to
Speaker 2: taking that, you've committed to that expense, and if you
Speaker 2: think you're going to pull out, why are you committing
Speaker 2: to that trip and lulling people into the false sense
Speaker 2: of security that they're going to have a cheaper trip
Speaker 2: than they actually are. That's not fair.
Speaker 3: Like from my perspective, it's just an inability to take
Speaker 3: I think responsibility for yourself and your choices or you'll
Speaker 3: and again obviously like being sick for example, maybe not
Speaker 3: a choice. However, you know, if you book something really
Speaker 3: far in advance, you know that there's a risk of
Speaker 3: that happening. That's why you have insurance if you're traveling
Speaker 3: and things like that. But I think you can't expect
Speaker 3: other people to be responsible for your issues or your
Speaker 3: problems or your choices or whatever, like whatever comes up,
Speaker 3: that's a you problem, Like I don't think it's reasonable,
Speaker 3: and you don't know the circumstances that everyone else is in,
Speaker 3: Like maybe they've really stretched their budget to go on
Speaker 3: this holiday to Bali.
Speaker 2: Which lots of people do. Ah.
Speaker 3: I used to literally come home with like seventiesens in
Speaker 3: my bank account when I like, I've definitely been there.
Speaker 3: And so if you had said to me if I
Speaker 3: was in that situation a week before, you like, you're
Speaker 3: gonna have to cough up an extrap to go a
Speaker 3: few bucks, I would have been like, I do not
Speaker 3: have that. You literally do not have the dollars to
Speaker 3: give you, you.
Speaker 2: Know, and it's not fair, Like I don't think that
Speaker 2: you should become a financial burden on other people, Like
Speaker 2: it is not other people's responsibility to carry you. So
Speaker 2: I'm pretty cut and dry with that because I have
Speaker 2: been stung by that before. I've had those arguments where
Speaker 2: it's like, well, if you're not coming, either replace yourself
Speaker 2: or pay for it. And I feel like there are
Speaker 2: also circumstances where it's like it's not appropriate to replace
Speaker 2: yourself either. So like there might be like a couple's
Speaker 2: trip and you know, Jess, I've invited you and your
Speaker 2: partner and my partner and I going away and there's
Speaker 2: another couple and we've all agreed that we're comfortable with that.
Speaker 2: I don't want you to turn around and be like,
Speaker 2: all right, well, I'll find another couple that I know
Speaker 2: that can pay for this and go on a holiday
Speaker 2: with you guys that we don't know. Like that, to me,
Speaker 2: it's not an appropriate compromise. Like I think that that's
Speaker 2: just you're going to get slapped with that cost because
Speaker 2: I booked a house with three bedrooms, and one of those,
Speaker 2: regardless of whether you're there or not, is going to
Speaker 2: be allocated to you, whether you sleep in that bed
Speaker 2: or not. So I just I think it's a really
Speaker 2: awkward conversation to have. And I think that this is
Speaker 2: such an issue that I think it happened a lot
Speaker 2: when I was younger, right, I think now that most
Speaker 2: of my friends are a little bit more financially secure
Speaker 2: and maybe a little bit more mature about these things.
Speaker 2: They are like, I can't imagine that happening.
Speaker 3: Yeah, but I.
Speaker 2: Remember when I was like in my twenties and we're
Speaker 2: traveling and like, you know, doing the Bali thing or
Speaker 2: going away for girls' weekends, and then someone will drop
Speaker 2: out because they've got a shift at work or something,
Speaker 2: and being like, oh, well, no, beg you, actually you
Speaker 2: should be paying for that, and they're like, nah, I've
Speaker 2: got to go to work, Like that's not like, oh,
Speaker 2: I do not miss the drama of being in my
Speaker 2: early twenties.
Speaker 3: Yeah, acknowledging that it sucks being the person sometimes, Like
Speaker 3: I'm sure that if this person's got a job, they're
Speaker 3: probably bummed out. Or if you've gotten sick and you can't.
Speaker 2: Got to pay for something I can't use. I get it, totally.
Speaker 3: Get that that sucks. But I'm interested to know what
Speaker 3: everyone else thought, because it feels like we're all on
Speaker 3: the same page.
Speaker 1: Yeah.
Speaker 2: I just think that if you're going to book a
Speaker 2: trip with girl friends or a trip with any other people,
Speaker 2: you need to have the mindset of this. If I pay,
Speaker 2: it is a non refundable trip, regardless of what the
Speaker 2: booking says, it's non refundable because all your friends are
Speaker 2: still going, and that's just not fair totally. We did
Speaker 2: ask some exploratory questions, jess So, we said, have you
Speaker 2: ever had a friend pull out of a holiday last minute?
Speaker 2: Thirty six percent of you said yes.
Speaker 3: Lower than I thought. To be honest, really, I kind
Speaker 3: of thought it would be like almost fifty to fifty.
Speaker 2: So someone said, if yes, did this impact the cost
Speaker 2: of the holiday you're having?
Speaker 3: Sixty seven percent said yes, they.
Speaker 2: Had to absorb the cost. Yeah, I'm not surprised. I'm
Speaker 2: just mad about it.
Speaker 1: I know.
Speaker 2: Someone said, did you pay the difference or did they?
Speaker 2: Fifty one percent said yeah, we had to make up
Speaker 2: the difference. Forty nine percent nope, the person who pulled
Speaker 2: out paid the extra. Yeah, the heck. And then when
Speaker 2: we asked for your two cents. A lot of people obviously,
Speaker 2: I'm not surprised that this happened. Does that happens every week?
Speaker 2: They agreed with our point of view, Jessica. It's almost
Speaker 2: like our community. But also people were like, oh my gosh,
Speaker 2: this is such a tough one. Both sides are valid.
Speaker 2: Can't wait to hear the consensus on the pod. You're welcome, Yes, indep,
Speaker 2: you enjoyed. Someone said I'd feel so uncomfortable asking a
Speaker 2: friend to pay for a holiday they can't attend, which
Speaker 2: I think is a flip side, Like I get.
Speaker 4: That, I get it, I get it, But if it's
Speaker 4: everything's being booked already, then they're not going out of
Speaker 4: their way to pay for something that they can't attend.
Speaker 4: It's more like everyone paid. I'm assuming everything's being paid
Speaker 4: for and they kind of want their money back. Is
Speaker 4: that what's happening?
Speaker 3: Yeah, I think so. I feel like it really filters
Speaker 3: into the reason that they're not going as well. So
Speaker 3: like if your friend had said, oh my gosh, I've
Speaker 3: just found out that I've been made redundant. I have
Speaker 3: no job. Yeah, I feel like in that circumstance you
Speaker 3: probably would be more open to having the conversation. Were like, okay,
Speaker 3: we get it. Like being empathetic, I can understand and
Speaker 3: be more inclined to absorb the cost. But I think
Speaker 3: if in this situation, I'm really sorry, I can't go
Speaker 3: at clashes. I've just got a new job. You're applying
Speaker 3: for jobs knowing that you had that coming up, and
Speaker 3: it's either a conversation that maybe you could have had
Speaker 3: with you and your employer, like can I start afterwards?
Speaker 3: It's not really something that I think is reasonable to
Speaker 3: put back on.
Speaker 2: I just I couldn't agree. More like the general consensus
Speaker 2: for me is you should not be somebody else's financial burden.
Speaker 2: Like that's from me, and a few other people said, Look,
Speaker 2: it depends how far in advance the trip was booked.
Speaker 2: Can they find a replacement or is it too late.
Speaker 2: If it's too late, they have to pay, which we
Speaker 2: obviously have just touched on. Someone said, it makes me
Speaker 2: so frustrated as this has happened to me. It's why
Speaker 2: I just choose to travel alone or only with my boyfriend.
Speaker 2: Someone said, obviously, it's completely dependent on the reason they've
Speaker 2: dropped out. Someone said, if they knew it was non refundable,
Speaker 2: ie with the hotel or the airline, then they have
Speaker 2: to front the bill. And then yeah, everything else was
Speaker 2: a little bit very similar to what we said, and
Speaker 2: then someone else said it seems pretty greedy on my
Speaker 2: friend's behalf. I was like, oh, okay, Like I feel
Speaker 2: like that's aggressive because I think you've touched on something Jess.
Speaker 2: It really depends on what it is. Like I mean,
Speaker 2: if a parent got sick or something really popped up,
Speaker 2: I would be like, oh my gosh, Like obviously I
Speaker 2: would prefer not to spend this, but like, I don't
Speaker 2: want my friend to be out. I think that friendships
Speaker 2: give and take, Like I want to support my friends
Speaker 2: where possible. And I'm not the type of person, even
Speaker 2: though being quite aggressive in this conversation, I would say,
Speaker 2: I'm a relatively generous person, Like I don't want other
Speaker 2: people to, you know, be financially struggling or you know,
Speaker 2: I'm the first to go, oh my god, well, Beck,
Speaker 2: if you can't afford it, like I'm happy to chip
Speaker 2: in a little bit more. That's showing my privilege. But
Speaker 2: at the same time, if I didn't have that amount
Speaker 2: of money, like it would be a stress on me,
Speaker 2: and that's not fair to expect. So I think it's
Speaker 2: one of those things where it is really situational.
Speaker 3: I have a hypothetical for you, right, I'm ready. So
Speaker 3: ten of us have booked to go to Bali together.
Speaker 4: Yeah.
Speaker 3: Yeah, someone's pulled out because they've got a new job.
Speaker 3: They've given us eight weeks notice. The hotel, we can
Speaker 3: still refund it. Do we go through the effort of
Speaker 3: refunding the hotel, finding a new hotel, rebooking the hotel
Speaker 3: based on the fact that this person can't come and
Speaker 3: they're refusing to pay the cost? Like, would you like,
Speaker 3: do you think it is worth with that much notice
Speaker 3: going to that effort with that much Yeah?
Speaker 2: Yeah, so I would say no. Do you know why
Speaker 2: I'd say no? Why because you told me that we're
Speaker 2: traveling in a group of ten. How much is the accommodation,
Speaker 2: Like is it, you know, two hundred bucks or is
Speaker 2: it two thousand dollars? Like? Are we staying in a
Speaker 2: luxury filler? Because I'm assuming if we're traveling as a
Speaker 2: group of ten, we probably had to book somewhere that
Speaker 2: sleeps twelve to begin with. Do you know what I mean?
Speaker 2: If you book somewhere that sleeps ten, then it's usually
Speaker 2: like four bedrooms and then two people have to sleep
Speaker 2: on the couch. But if you like, I'm just thinking
Speaker 2: too much about this, I'm really sorry.
Speaker 3: But saying would you rather?
Speaker 1: Yeah?
Speaker 2: I hate playing would you rather? We do this all
Speaker 2: the time? Beck we play would you rather? When we
Speaker 2: go to airports and We're sitting like in the lounge
Speaker 2: waiting for our fly love that game, and Gabby always
Speaker 2: asks the best would you rather questions? But then Jess
Speaker 2: gets into the nitty gritty of like, well, okay, well
Speaker 2: if I had need to have all the information, yeah,
Speaker 2: like I need to have all the information, And if
Speaker 2: I was going to be a dog with human hands
Speaker 2: or a cat with a human face, like, am I pretty?
Speaker 1: Yeah?
Speaker 3: You really?
Speaker 2: I totally get it.
Speaker 4: You're gonna get right into the nitty gritty of it.
Speaker 2: She's like a decision on my hands. If I'm a
Speaker 2: dog with human hands, are they functional? Like Cahn? I
Speaker 2: wave like yeah, okay, anyway, I think that that's important
Speaker 2: because am I going to go find another place? Is
Speaker 2: the cost actually just going to be the same to
Speaker 2: have somewhere that sleeps nine people instead of ten because
Speaker 2: it's a group booking? Or do we book separate hotel
Speaker 2: rooms for every single person staying, in which case it
Speaker 2: might be worth it. But if we've booked a group
Speaker 2: holiday and we've booked a nice villa and there's ten
Speaker 2: beds and ones allocated to you, I don't think we
Speaker 2: should be changing locations. Or if you're probably why people
Speaker 2: don't go on holidays with me.
Speaker 3: If you're a person who is cam, Yeah, do you
Speaker 3: think a good way to approach the conversation if you
Speaker 3: have this theoretical abundance of time is to say, I've
Speaker 3: looked at the cost, I don't want to put you
Speaker 3: guys out. Here's a potential alternative. I'm happy to do
Speaker 3: the admin work to cancel and rod that's kind. We
Speaker 3: think that that's maybe like a happy medium if you're
Speaker 3: this person in a situation that we're acknowledging does suck. Absolutely,
Speaker 3: Is that maybe a middle ground to approach it?
Speaker 2: Absolutely, if there's a cheaper alternative and you've offered to
Speaker 2: do the grunt work. Absolutely, Yeah, I think that that's
Speaker 2: actually the smart thing to do, or even offered suitable alternatives.
Speaker 3: Yeah, Yeah, that's a nice middle Like the finding of
Speaker 3: the person that you were saying before, Like if you
Speaker 3: have an activity and it's reasonable to you know, bring
Speaker 3: someone else in, like, oh, I can't make it, but
Speaker 3: my other friend that you're also friends with, my colleague, Yeah,
Speaker 3: here's my coworker.
Speaker 2: But to overlay that, like let's say we do that
Speaker 2: someone's yeaeded and they're not coming on our group cheery,
Speaker 2: but at ten it's now down to nine. You and
Speaker 2: I know Jess that there's a spare bed. So we
Speaker 2: invite another friend. You now under the obligation to release
Speaker 2: the first person, I think, because you've replaced them. Absolutely
Speaker 2: give We give Beck her money away. No, no, no,
Speaker 2: they can't pay an addition, so like you replace it
Speaker 2: go all right, Beck, Like you get your money back
Speaker 2: because we actually found someone to replace you.
Speaker 1: Ah.
Speaker 2: Yes, But you should have been in the position, from
Speaker 2: my perspective, to say, Okay, well I'm going to pay
Speaker 2: for this unless I'm replaced. Yes, okay, okay, but that
Speaker 2: person who's replacing can't pay, is that what you're saying?
Speaker 3: No, No, they pay, They pay you exactly. I think
Speaker 3: the person replacing pay.
Speaker 2: They pay you.
Speaker 3: Yeah, they don't get a free ride.
Speaker 4: No, it's like a bond transfer when you're geology.
Speaker 2: It's a bond transfer in the share house.
Speaker 3: Yeah, the temporary.
Speaker 2: Share house, share house, temporary share villa. We should Bali.
Speaker 3: I love where this is going in Bali.
Speaker 2: She's on the money.
Speaker 3: A single who listens to this podcast for covering.
Speaker 2: Would you have Balley meet and greet to make it
Speaker 2: a tax deduction? We could take. We could pack up
Speaker 2: all our pod stuff.
Speaker 3: Oh god, we can potcasts from anywhere.
Speaker 2: I just I don't want to say trip.
Speaker 3: I was anyone does.
Speaker 2: Anyone that went down really well?
Speaker 3: Just car so back in the day, I'm getting I can't.
Speaker 2: A makeup brand in the eye.
Speaker 3: Oh yeah, tart tr T. I'm getting way off track.
Speaker 3: I might not.
Speaker 2: No, I love it if this makes it to the
Speaker 2: cod Just no content this week was dire.
Speaker 3: It's a beauty brand. They used to do make up
Speaker 3: trips for influencers and so that they would go and
Speaker 3: they would go to Bali and they'd do these huge
Speaker 3: villas and they'd brand everything and they'd be free stuff.
Speaker 1: Anyway.
Speaker 3: It was a whole thing, okay, And then they did
Speaker 3: it again this year. It was like the first time
Speaker 3: post COVID, and it blew up on TikTok because there
Speaker 3: was a lot of discourse around who was invited and
Speaker 3: I was like literruly no diversity it was, but also
Speaker 3: people not really comprehending the fact that it was probably
Speaker 3: more affordable for them to send everyone on this luxury
Speaker 3: trip to Dubai. I think it was then it would
Speaker 3: be for them to buy and add on television for example.
Speaker 3: So it's like a cost benefit thing, getting very off track.
Speaker 3: But anyway, like we could do that, but everything's.
Speaker 2: Also just a little bit insensitive coming out of COVID,
Speaker 2: being like here's a big fancy influencer tree. Anyway, there's
Speaker 2: a lot to break down about that circumstance and.
Speaker 3: Slip into it. Just you guys know that's in Bali
Speaker 3: one day soon.
Speaker 2: We can they can brandon villa. She's on the money.
Speaker 2: Do you know what, It'll probably be cheaper to have
Speaker 2: a villa in Bali for a month that it is
Speaker 2: to run our office in the city for a month.
Speaker 2: So I reckon, that's a good trade off. Let's go,
Speaker 2: let's do it.
Speaker 3: Let's do it really really quickly to get back on track.
Speaker 2: We don't want to us back on track.
Speaker 3: We don't want to know, sorry for you guys work.
Speaker 2: We want to go to Bali.
Speaker 3: We can do that.
Speaker 2: We can do that straight after.
Speaker 4: So in this DM they did mention, how do I
Speaker 4: best approach this so that the other person can understand it?
Speaker 2: Such a good send them this episode, send them episode.
Speaker 2: But also I would say very aggressive. They might know
Speaker 2: you've been talking.
Speaker 3: About really aggressive.
Speaker 4: Imagine just sending this without any context. Maybe don't don't
Speaker 4: do that. Actually, maybe just like.
Speaker 2: Send it to them with a time stamp so they
Speaker 2: can't see how the stuff. Yeah, only listen to the
Speaker 2: path that's about them. Yeah, yeah, yeah.
Speaker 4: Or I would say, just kind of explain it, give
Speaker 4: them some quick math.
Speaker 2: Actually, maybe give.
Speaker 4: Them too many numbers so they get a bit confused,
Speaker 4: and just say, Okay, I'm happy to release the money,
Speaker 4: but that.
Speaker 2: It's not acceptable back community, not in this.
Speaker 3: Is the best way to do it.
Speaker 2: He knows them.
Speaker 4: Just explain that. You know it's you guys all took
Speaker 4: into consideration how much you're willing to spend with that
Speaker 4: person in mind, and you would have calculated it differently
Speaker 4: if you knew that they were going to bail, So
Speaker 4: you can't all afford.
Speaker 3: To put out any more money at this stage. And
Speaker 3: hopefully they understand. That's my two cents and a good
Speaker 3: lesson for anyone going forward if you are booking big
Speaker 3: group trips is maybe have that conversation up front and
Speaker 3: just say, hey, everyone, we're locking this in if anyone's
Speaker 3: got to pull out, are we all on the same
Speaker 3: page in regards to you bail too? Bout there's a
Speaker 3: whole conversation to have around that as well, about what
Speaker 3: happens if everybody doesn't want to chip in and then
Speaker 3: someone's put it on their credit card and they're out.
Speaker 2: Oh my gosh. It's a whole thing. But I think
Speaker 2: we just need to be the future. Yes, let's do
Speaker 2: another episode about traveling to Bali, but we do it
Speaker 2: from Barlie.
Speaker 3: Yeah, she's really, she's like hypher fixated at this day.
Speaker 3: I'm going to do it.
Speaker 2: Catch me in Bali, guys. I will see you there
Speaker 2: all right, talking about catching me later. I think we
Speaker 2: should go. This episode has gotten off track. I think
Speaker 2: our producer is going to have something to say about it.
Speaker 2: But what we can do is go to Bali so
Speaker 2: she can't catch us. See you next week, guys. Bye, guys.
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