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Speaker 1: Hello.

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Speaker 2: My name is Santasha Nabananga Bamblet. I'm a proud Order

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Speaker 2: Order Kerney Whoalbury and a waddery woman. And before we

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Speaker 2: get started on She's on the Money podcast, I would

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Speaker 2: like to acknowledge the traditional custodians of the land of

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Speaker 2: which this podcast is recorded on a wondery country, acknowledging

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Speaker 2: the elders, the ancestors and the next generation coming through

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Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and

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Speaker 2: the storytelling of you to make a difference for today

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Speaker 2: and lasting impact for tomorrow.

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Speaker 1: Let's get into it.

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

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Speaker 1: Hello and welcome to She's on the Money podcast that

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Speaker 1: makes personal finance feel a little less daunting and a

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Speaker 1: lot more doable. Today, my friends, it is Friday, which

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Speaker 1: means it's time to get our little team together and

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Speaker 1: celebrate you the ingredible she is on the Money community.

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Speaker 1: Today is discreed. She is going to be sharing her

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Speaker 1: favorite money wins from the community. Beck has a few

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Speaker 1: Brooke tips that I'm excited to hear about. She hasn't

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Speaker 1: let any cat out of the bag yet, so we

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Speaker 1: don't know where they're coming from. We don't know how

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Speaker 1: rogue they're going to be. We don't know if we

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Speaker 1: have to edit them out because of legalities, but but

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Speaker 1: we're here for it. We're going to be talking this

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Speaker 1: week about how to be smart with a payout that

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Speaker 1: you receive, and we're going to be unpacking something that

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Speaker 1: you slid into our DMS about this week, we're chatting

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Speaker 1: about how to handle a friend who asks to be

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Speaker 1: reimbursed for something that they got for free.

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Speaker 4: Ooh, that's interesting.

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Speaker 1: I can't wait to read that one out. But before

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Speaker 1: we get there.

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Speaker 5: It's just creachy. Yes, how was your week? Let's start

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Speaker 5: happy spring? I feel like day one September. First, I

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Speaker 5: was like, we must spring clean everything.

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Speaker 1: And then you came wearing black for the first time

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Speaker 1: I've seen all.

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Speaker 4: Literally I know that in your spring clean.

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Speaker 5: I literally did, I haven't.

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Speaker 1: Worn this it like yeah, and it was cute, so

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Speaker 1: I know where you put it on.

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Speaker 5: Thank you. And because it's cold, it's spring, but it's cold.

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Speaker 5: It hailed at our house this week. It looks like crazy.

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Speaker 1: I had all of the pets basically on my head,

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Speaker 1: like when it was really windy, I like woke up

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Speaker 1: in the middle of the night because there was a

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Speaker 1: dog climbing over my chest, and then when I looked around,

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Speaker 1: I realized that on either side of my head I

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Speaker 1: had a cat, and then the dog was trying to

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Speaker 1: lay on top of me, and I was like, what

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Speaker 1: is personal space?

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Speaker 5: She doesn't exist.

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Speaker 4: It was scary, though, I told were they scared?

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Speaker 1: They weren't like shaking scared, but they were definitely concerned

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Speaker 1: and like, Mum, help us, help us. Yeah, and both

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Speaker 1: of those cats they're not outside cats, they're only the inside.

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Speaker 1: So I'm like, what are you worried about. Nothing's ever happened.

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Speaker 1: No one's going to put you outside.

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Speaker 5: Yeah, you're fine, don't even stress totally.

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Speaker 1: And then Lucy's being a little princess because it's been

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Speaker 1: raining so much over the last few weeks. She refuses

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Speaker 1: to go outside. So when you're like you need to

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Speaker 1: go to the bathroom, dog, she's like, oh, no, thank you,

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Speaker 1: I'd prefer to get a uti. That's all good, that's

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Speaker 1: so good, And you're just like, go outside. So I'm

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Speaker 1: literally picking up this loaf of a dog, carrying her

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Speaker 1: up the backsteps, putting her on the grass where she

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Speaker 1: looks at me like I'm trying to murder her and

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Speaker 1: being like go to the bathroom and she's like a

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Speaker 1: quick quick and then runs inside. It's an experience.

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Speaker 4: We're scary out there.

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Speaker 1: But I mean, Jess said the other day, she's like

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Speaker 1: I would do that if I was I'm not.

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Speaker 5: Going I'd be like I heard think, So the bath

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Speaker 5: bat's looking pretty good to me.

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Speaker 1: Right, don't tell Lucy she's a dog. She's not aware.

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Speaker 1: She's not aware. Beck, what have you been up to

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Speaker 1: this week?

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Speaker 6: I also was really scared about that win. That was

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Speaker 6: really weird because my share house is like like literally

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Speaker 6: the front wall that is because it's like two story

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Speaker 6: that there's like a room upstairs and then downstairs is

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Speaker 6: like the you know, the front entrance, and that wall

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Speaker 6: does not really attached to the rest of the house.

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Speaker 4: So it's like what it's.

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Speaker 6: Like any second hour, this is the front of the

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Speaker 6: house is gonna be away, and which is fine, Like

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Speaker 6: we love it there, so we'll take it.

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Speaker 4: We'll take a house as no front whole wall.

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Speaker 1: You have known for not complaining, not not missing, you'd

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Speaker 1: be like, damn, I really didn't want this to happen. Yes,

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Speaker 1: this is our situation.

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Speaker 6: More no stress, But do you mind if we get

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Speaker 6: a wall on, but we're no bother.

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Speaker 1: But yeah, I was really popping out and just getting

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Speaker 1: a tarp and fixed it. It's all good.

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Speaker 5: YEA beautiful open concept front of the front house.

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Speaker 4: Beautiful art dacer.

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Speaker 6: I don't know if you've seen my window right now,

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Speaker 6: because my window was broken months ago. But it's it's

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Speaker 6: just duct taped, and I duck tape everything. It absolutely

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Speaker 6: does and there's no water penetrating that duct tape. So

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Speaker 6: but you's fixed because so exactly now, It's been really

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Speaker 6: a really lovely week, really chill. I kind of do nothing,

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Speaker 6: So that's me.

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Speaker 4: I love that being nice.

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Speaker 1: You sometimes need weeks like that. Yeah, well, I'm hoping

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Speaker 1: that your broke tips are a little bit more exciting

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Speaker 1: than the week that you've had.

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Speaker 6: Then, well, thank you so much. I think they might

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Speaker 6: not be. But what did you How was your week?

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Speaker 5: Oh?

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Speaker 1: My week was great. I had pets all over my head.

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Speaker 1: I have been working my life away. We have a

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Speaker 1: master class coming out. She has just been announced that

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Speaker 1: the Investing master Class is going live very soon. The

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Speaker 1: wait list has just opened for that, and I'm just

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Speaker 1: I feel like this month is like my month. It's

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Speaker 1: like everything we've been working towards for the last twelve months.

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Speaker 1: Like in the background, we've been building this platform and

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Speaker 1: like trying to make it absolutely everything we want it

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Speaker 1: to be more. And now I'm like a little bit

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Speaker 1: scared because like everyone's going to have access to it,

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Speaker 1: you know. So that's been really fun?

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Speaker 4: How exciting? Yeah, you start fun?

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Speaker 5: I'm so scared.

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Speaker 1: But that is okay. I mean the whole team. I

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Speaker 1: feel like so many people message me, and they have

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Speaker 1: been messaging me while I have been posting about this,

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Speaker 1: like thee when do you stop? I'm like, I'm sorry,

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Speaker 1: when does my team stop? Because like that wasn't me, friend,

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Speaker 1: Like I didn't do all of this, Like thank god

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Speaker 1: they're here, because otherwise it just never would have gotten

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Speaker 1: out the door. That's why I've been talking about it

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Speaker 1: for three years and saying it's coming, it's coming, it's coming.

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Speaker 1: It's finally here.

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Speaker 4: Finally, it's finally here.

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Speaker 1: And the team Jess is gonna laugh at this. The

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Speaker 1: team have not let me talk about it or say

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Speaker 1: anything online about it until we had every video recorded,

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Speaker 1: every piece of content uploaded, because they're like the you've

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Speaker 1: promised this for so long, No more promising until there's

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Speaker 1: an actual product that we can get out the door

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Speaker 1: without having you as a hurdle.

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Speaker 5: And I get that, I get that she's been a

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Speaker 5: long time coming. I'm very exciting. So I'm sure there's

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Speaker 5: a lot of people out there who are humped.

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Speaker 1: I hope so, because like I feel like I'm pumped,

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Speaker 1: I cannot wait to dive in. So let's move on

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Speaker 1: because I want to go to the Money Wins. But

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Speaker 1: before we get there, all of the information for the

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Speaker 1: Investing Masterclass is going to be in the show notes.

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Speaker 1: So go there, join our weight list because obviously if

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Speaker 1: you're on the wait list, there is a special surprise

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Speaker 1: that will end up in your inbox once it launches,

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Speaker 1: and you're only going to get it if you're there,

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Speaker 1: So go and join the wait list. I can't wait

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Speaker 1: for you guys to dive in. But speaking about things,

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Speaker 1: I can't wait for Miss jessic Ricci, what happened in

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Speaker 1: the Facebook group this week? What money Wins and confessions

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Speaker 1: A you're bringing to the table. I've got some good

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Speaker 1: ones this.

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Speaker 5: Week, and I will say we had a lot of

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Speaker 5: pet wins with plenty of pet tax being paid. So

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Speaker 5: go have a look at the thread because I love

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Speaker 5: this of cute photos in there.

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Speaker 1: This week, I feel like, because we talk about the

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Speaker 1: pet tax being necessary, people go, I have pet tax

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Speaker 1: already on my phone. I'm going to go drop it

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Speaker 1: in the thread. You are my people.

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Speaker 5: So lots of fun this week. I'm going to start

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Speaker 5: off with a money win from Melissa, who said she

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Speaker 5: bit the bullet and she asked for a pay rise.

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Speaker 5: Was really really nerve racking, but she ended up with

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Speaker 5: twenty thousands dollars extra. She never would have had it

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Speaker 5: if she didn't ask.

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Speaker 6: Great, But now now I'm thinking, like, how long do

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Speaker 6: they knowingly underpay her for?

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Speaker 5: There is that?

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Speaker 4: Yeah, but anyway, that's not what her frame it.

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Speaker 1: If we asked Melissa, was the scaries worth it, She's

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Speaker 1: gonna be like, yes, absolutely, it was worth twenty grand completely.

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Speaker 1: But would you ask someone a really awkward question for

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Speaker 1: twenty grand? I would depend I'd do it for much.

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Speaker 5: Next, I've got a money win from Miya, who said

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Speaker 5: her top tip is to buy Father's Day gifts from

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Speaker 5: overseas when they're fifty percent off. She also recommends doing

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Speaker 5: this seasonally for clothes. She said specifically from America because

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Speaker 5: obviously they go really hard for their holidays, and you know,

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Speaker 5: they just have a lot of extra stuff, so it's

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Speaker 5: really easy and affordable for her to get it discounted.

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Speaker 5: And so many sites hip here now.

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Speaker 1: So I love that. My Father's Day gift to Steve

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Speaker 1: was that I made him a father.

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Speaker 5: So you welcome, happy father.

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Speaker 1: I'm the gift, like you are welcome. Are you meant

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Speaker 1: to celebrate me on Father's Day?

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Speaker 5: No?

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Speaker 6: Okay, no, arguably the hardest and most impressive gift.

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Speaker 4: Like, I don't know. I just think that literally growing

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Speaker 4: a human is probably the best gift you could nige.

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Speaker 1: You know what, I did celebrate Steve because like, I

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Speaker 1: feel like it takes a very special person to be

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Speaker 1: like a good dad, And like, I don't know, Also

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Speaker 1: about celebrating me, I picked that, you know, I picked him.

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Speaker 1: I was like, I picked you to be the dad

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Speaker 1: of my kids. This day's about me. I'm a genius.

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Speaker 5: Everybody does well in that situation. Next, I've got a

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Speaker 5: money in from Lizzie who said this is the first

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Speaker 5: fortnight where she hasn't had to dip into one of

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Speaker 5: her accounts. She's finally got her cash flow organized and

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Speaker 5: she knows on her average what she's spending each pacycle,

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Speaker 5: so now she can plan accordingly.

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Speaker 1: I love that so much.

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Speaker 5: Such a good win and a good reminder to review

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Speaker 5: everything if you haven't already done that recently. Next, I've

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Speaker 5: got a money win from Jessica. This one's for years back,

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Speaker 5: great name. She was at her local NQR, which is

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Speaker 5: we mentioned it last week on the show, at chain

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Speaker 5: in Victoria selling not quite right products, and she found

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Speaker 5: a six pack of mini Tonic waters on sale for

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Speaker 5: a dollar. She's since returned the cans for the ten

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Speaker 5: cent refund at the recycling depot, so she effectively paid

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Speaker 5: forty cents for six candle drink.

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Speaker 1: How good is down Queen. Also, those tiny bottles of

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Speaker 1: tonic are so expensive crazy.

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Speaker 5: A dollar for six is amazing and very very smart

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Speaker 5: to then return those cans.

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Speaker 6: Yes, smart, if you got like a twenty four pack

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Speaker 6: of something you could even be making money doing potentially.

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Speaker 1: Yeah, it's like saving stacking. I'm just so excited about it.

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Speaker 1: It's like we're all talking about the other day on

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Speaker 1: the podcast where someone bought a gift card for their

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Speaker 1: like fuel and then also got points, and I was

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Speaker 1: just like you are smart.

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Speaker 5: So clever, extreme couponing basically. Next, I've got money in

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Speaker 5: from Molly, who said a local bookstore in her area

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Speaker 5: was closing down and dumping a ton of high quality

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Speaker 5: books into skips and dumpsters. She spent most of her

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Speaker 5: weekends salvaging them before the rain and all the rubbish

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Speaker 5: being collected, and she now has thousands of beautiful books.

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Speaker 5: She said. The best party is she recently opened a small,

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Speaker 5: preloved bookstore a few months ago.

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Speaker 1: No, she didn't help perfect.

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Speaker 5: So she can now triple the size of the store.

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Speaker 5: And she did say, I doubt I'll ever get this

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Speaker 5: lucky ever again.

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Speaker 1: That is all so perfectly timed. That's the universe.

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Speaker 5: I reckon the universe providing. But also I've been getting

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Speaker 5: a lot of tiktoks of stores dumping product and I

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Speaker 5: just want to say, why do we do that? Like literally,

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Speaker 5: they'll take perfectly good things and throw them out because

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Speaker 5: maybe they were returns or you know, they're out of

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Speaker 5: season or whatever, and they just like they have to

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Speaker 5: destroy them. I think they ruins, like when you could

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Speaker 5: donate them, like share the dignity they put together these

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Speaker 5: handbags And I'm telling you, right now and if it's

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Speaker 5: not like an essential, like it's a hand cream or

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Speaker 5: like some makeup or something, as long as it's not used,

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Speaker 5: Like yeah, those would be perfect.

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Speaker 1: For them to be. Like I don't know, I feel

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Speaker 1: like the share of the dignity bags. One of my

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Speaker 1: favorite things about them is like they obviously give women

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Speaker 1: back and people back their dignity in times that they're

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Speaker 1: experiencing challenge and having like a nice little piece of

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Speaker 1: makeup or like some little special treat in there. That's

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Speaker 1: beyond like making sure you have the essentials, Like why

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Speaker 1: can't companies just partner and not throw good product out?

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Speaker 1: Like it frustrates me beyond belief.

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Speaker 5: Like the video I saw specifically, I remember there was

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Speaker 5: like hair tools and they'd cut the cords and stuff,

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Speaker 5: and I was like, I get that maybe you couldn't

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Speaker 5: donate something if it was returned and opened, because as

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Speaker 5: you were saying, like tool, but could you not just

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Speaker 5: donate it or put it in a box out the

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Speaker 5: front somewhere just like a freeze sign on it and

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Speaker 5: let people if you want to peepally, It just is

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Speaker 5: crazy to me that you would throw it out like.

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Speaker 1: You no, even if you donate it, Like I know,

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Speaker 1: if you donate to the Salvos and Electronic good they

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Speaker 1: will test it, like they safety test it before they

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Speaker 1: sell it, So like that's not on you, And like

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Speaker 1: I get that probably like Sephora doesn't want to have

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Speaker 1: like a free box out the front, but surely you

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Speaker 1: could do a sneaky you know, making sure it goes

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Speaker 1: somewhere else, Like yes, you've posted on your TikTok a

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Speaker 1: number of times like go to this charity shop because

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Speaker 1: there's heaps of dish stuff and you just know that

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Speaker 1: like in the background Dish has been like, hey, this

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Speaker 1: is old stock or old product that we can't sell,

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Speaker 1: but they're not destroying it. They're sending it to a

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Speaker 1: second hand store, which I know some brands might see

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Speaker 1: is like oh but at Devalues, No, no, no, I

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Speaker 1: am more likely to purchase from you because I know

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Speaker 1: that you're not taking the mickey and slashing stuff up

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Speaker 1: just because you don't want it to be at a

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Speaker 1: charity shop.

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Speaker 6: Like absolutely, I'm gonna spend thousands of dollars in a

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Speaker 6: place that I know is actually given back to the community.

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Speaker 1: That actually has good ethics.

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Speaker 6: Have I talked about good and fuggly before, No, what's

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Speaker 6: good in fuggly it's like a frim bed company that

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Speaker 6: kind of like sell all the ugly fruits that no

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Speaker 6: one wants to buy.

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Speaker 5: That's so cute. Yeah, that's it for me this week.

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Speaker 6: That's your mind.

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Speaker 1: If I absolutely no, turn so good and fugly, that's

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Speaker 1: just like a little bones.

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Speaker 6: Yeah that's true. Actually, it's not really a broke tip,

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Speaker 6: because although they are doing really good stuff for the

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Speaker 6: environment and the planet, it's probably on par with.

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Speaker 1: Are you saying I have to pay the same as

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Speaker 1: normal carrots? Possibly you don't know what I would do it.

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Speaker 6: Yeah, because they're they're all the same, and you often

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Speaker 6: get like more carrot for your carrot because you got

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Speaker 6: like a little weird growth on the carrot.

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Speaker 1: I like it Picasso.

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Speaker 4: So maybe that is a broke tip.

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Speaker 1: My mum grew carrots actually complete side note, and they

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Speaker 1: looked really fancy, like up the top, like heaps of

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Speaker 1: like carrot top, right, and so they pull them out,

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Speaker 1: and honestly, the carrots were real fat, and so like

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Speaker 1: you think, as you're going to pull them out, like

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Speaker 1: the top is like, you know, indicative of a good carrot.

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Speaker 1: I'm thinking like this is going to be and then

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Speaker 1: there were like two or three centimeters, so their dog,

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Speaker 1: Sunday used them as a dog toy, Like.

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Speaker 4: Did they come to a point still or is it too.

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Speaker 1: Like no, no, no, it was just I think the

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Speaker 1: word here that I'm thinking of is probably really inappropriate,

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Speaker 1: but like very fitting. It was very chody, I understand.

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Speaker 1: I was like, no one wants those carrots, and so

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Speaker 1: the dog was very excited to get a little treaty

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Speaker 1: treat What are your broke tips for today? Back?

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Speaker 6: Okay, So this one comes from Taylor, who's prepping for

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Speaker 6: a bodybuilding in competition. All go you and it's very

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Speaker 6: actually hard to do. I was listening to a podcast

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Speaker 6: about this and it's it's just like the most intense

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Speaker 6: diet and exercise program anyway. Great.

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Speaker 4: I like how.

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Speaker 1: Bodybuilding has made it to the broke tips, very related.

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Speaker 4: I love this.

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Speaker 6: Basically, Taylor says that they put water in their yoga,

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Speaker 6: which I know it doesn't sound great, but because it's

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Speaker 6: already quite like thick and creamy, and you probably could

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Speaker 6: get away with adding water to it, and it extends it.

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Speaker 4: It keeps you full.

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Speaker 6: It's quite feeling, and it does not even taste that bad,

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Speaker 6: so I would recommend it has no taste. Water has

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Speaker 6: no taste, and you can add things to add more taste.

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Speaker 6: But basically it's probably a good way to just like

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Speaker 6: keep your yoga lasting long because it's actually quite expensive

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Speaker 6: these days.

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Speaker 1: Yoga is insane. Yoga luxury item. You know what's more

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Speaker 1: of a luxury item?

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Speaker 5: Kids yogurts.

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Speaker 1: I love a kids. You're like, why are they so expensive?

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Speaker 1: And in the teeny tiny pouches like Harvey's not on

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Speaker 1: them yet. I just see my nieces and nephews get them,

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Speaker 1: and I'm thinking, I'm never going to financially recover from

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Speaker 1: this like that, and their consumption of berries in off season.

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Speaker 4: Insane when I get them burried from.

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Speaker 1: I don't know their parents who pay seven dollars upon.

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Speaker 4: It checks out.

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Speaker 1: Our producer is shaking her head because she has two

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Speaker 1: tiny humans, and I think she knows this all too well.

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Speaker 6: Sexcellon comes from one of my friends. She said that,

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Speaker 6: so right now, there's like a hard rubbish collection. I

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Speaker 6: feel like I've probably maybe mentioned some variation of hard

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Speaker 6: rubbish before, but I really recommend like googling where the

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Speaker 6: council hard rubbishes are in your state or city and

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Speaker 6: just like making a day out of it, Like we've

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Speaker 6: got a hallway table. Someone got a lounge, you can

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Speaker 6: get a fair way table.

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Speaker 4: I love that.

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Speaker 1: That's something that when I lived in a sharehouse. You're

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Speaker 1: not getting me to spend money on that. Absolutely not

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Speaker 1: absolutely not like no way, but like would it be

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Speaker 1: really handy for keys and just dumping something? Yeah, exactly,

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Speaker 1: I want that, but I don't want to pay for that.

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Speaker 6: I think hallway table. And also you know there's like

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Speaker 6: toilet brushes. I don't think i've.

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Speaker 1: Ever Please tell me, I have no doubt that you'd be.

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Speaker 5: Like, that is good rush. That's not a hard rubbish.

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Speaker 4: Rush.

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Speaker 1: That should have gone straight in the beginning. If anyone's

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Speaker 1: put that out for hard rubbish, I can't. I can't

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Speaker 1: loud enough to be.

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Speaker 5: Put out for hard rubbish. You know that that brushes

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Speaker 5: seems quietly really shit.

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Speaker 4: That's how you know it works. And that's no but

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Speaker 4: basically just.

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Speaker 1: Tried and true. Yes, a brand new one from the

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Speaker 1: supermarket that's not been tested.

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Speaker 6: You could tell it was tested, so I took it

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Speaker 6: home with me.

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Speaker 4: No, just kidding, I was.

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Speaker 6: Only what I meant to say was, those are two

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Speaker 6: things that I've never I don't think anyone in the world.

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Speaker 6: I've never seen anyone buy these items, but they just

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Speaker 6: always exist somehow in your space. I can almost guarantee

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Speaker 6: that both Jess and I have both been the people

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Speaker 6: in the sharehouse that buy the toilet.

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Speaker 5: That okay, because friend, oh the magic Fairy came the toilet.

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Speaker 4: My library is always done. That's not equal distribution.

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Speaker 1: I remember a housemate one time, and this is the

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Speaker 1: same housemate that the infamous housemate Yea borrowed my underwing

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Speaker 1: so wild. I remember her looking at me one time

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Speaker 1: when we were in the kitchen frustrated and I was like, oh,

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Speaker 1: you're all right, and she's like, we're out of olive oil.

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Speaker 1: And I was like, we you mean my shelf in

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Speaker 1: the pan trees olive oil is empty. And she just

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Speaker 1: was so pressed that the apparently communal olive oil that

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Speaker 1: I did not know about was communal was empty. And

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Speaker 1: I was like, yeah, like have you run out of it?

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Speaker 1: Like you can borrow mine, and she's like, no, the

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Speaker 1: olive oil is empty. And I'm like, no, there's not

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Speaker 1: the olive oil, my olive oil. And then there should

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Speaker 1: be your olive oil. And at the time, like olive

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Speaker 1: oil was expensive, Like I remember it was like eight

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Speaker 1: bucks a bottle, and like that was a lot. Do

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Speaker 1: you know how much olive oil is now? I only

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Speaker 1: fell off my tree when I paid twenty three dollars

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Speaker 1: for a bottle of olive oil the other day, and

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Speaker 1: I was like, yeah, and this is just like the

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Speaker 1: stock standard olive oil. Like anyway, I could go on

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Speaker 1: a round. But olive oil not a broke tip.

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Speaker 4: No, absolutely not.

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Speaker 6: If you can hold it with one hand comfortably, you

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Speaker 6: should not be paying twenty three dollars.

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Speaker 1: Yeah, exactly. If it doesn't have a handle on.

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Speaker 4: T with a little three little thing.

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Speaker 1: Anyway, I cannot No, we're not buying that's olive oil anymore.

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Speaker 4: I'm so sorry really, but.

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Speaker 6: Anyway, the whole table back to my broke tip, my

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Speaker 6: personal one. There's what just happened upon on TikTok. It's

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Speaker 6: called Nielsen i Q. It's an app. I downloaded it

439
00:20:22,680 --> 00:20:25,240
Speaker 6: because it said on the TikTok that you can scan

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Speaker 6: your groceries to get vouchers. I'm assuming that, yeah, immediately

441
00:20:31,359 --> 00:20:33,560
Speaker 6: got me. But then basically you have to go in

442
00:20:33,640 --> 00:20:35,359
Speaker 6: you have to fill out like a survey just to

443
00:20:35,400 --> 00:20:38,440
Speaker 6: see your their target market, and then if you are,

444
00:20:38,480 --> 00:20:41,760
Speaker 6: then you get the opportunity to scan your groceries for vouchers.

445
00:20:41,840 --> 00:20:43,640
Speaker 4: So I was not target.

446
00:20:43,760 --> 00:20:46,960
Speaker 6: Even though that's not fair, it's not and I feel

447
00:20:47,000 --> 00:20:49,400
Speaker 6: like I'm very I think I might have to change

448
00:20:49,400 --> 00:20:52,720
Speaker 6: who I am. But I would recommend to anyone who's listening,

449
00:20:53,040 --> 00:20:56,040
Speaker 6: try just download it see if you could possibly be

450
00:20:56,280 --> 00:20:58,679
Speaker 6: you know who they're looking for, and you might just

451
00:20:58,840 --> 00:21:01,000
Speaker 6: score yourself some vouchers. I don't know what these vouches before.

452
00:21:01,000 --> 00:21:02,960
Speaker 6: I didn't get that far, but I just knew the

453
00:21:03,040 --> 00:21:04,159
Speaker 6: vouchers are present.

454
00:21:04,400 --> 00:21:07,920
Speaker 1: I like that. I will do some further investigating. When

455
00:21:07,960 --> 00:21:10,960
Speaker 1: you said I'm not the average person, do you genuinely

456
00:21:11,000 --> 00:21:14,280
Speaker 1: believe that the average person would take a toilet brush

457
00:21:14,280 --> 00:21:15,280
Speaker 1: from hard rawish?

458
00:21:17,320 --> 00:21:17,480
Speaker 7: Who?

459
00:21:18,440 --> 00:21:18,840
Speaker 1: I think?

460
00:21:18,880 --> 00:21:18,960
Speaker 7: So?

461
00:21:19,480 --> 00:21:20,200
Speaker 1: Is that the line?

462
00:21:20,880 --> 00:21:21,879
Speaker 5: It takes all types.

463
00:21:21,920 --> 00:21:22,160
Speaker 1: Baby.

464
00:21:23,280 --> 00:21:24,159
Speaker 4: They didn't ask me that.

465
00:21:24,240 --> 00:21:26,040
Speaker 1: They were like, would you take yeah, and they were

466
00:21:26,080 --> 00:21:26,400
Speaker 1: like that.

467
00:21:26,400 --> 00:21:27,040
Speaker 5: Was what excluded.

468
00:21:27,240 --> 00:21:28,920
Speaker 1: Yeah, that's what got you kicked out.

469
00:21:28,920 --> 00:21:31,280
Speaker 4: Okay, Well that makes sense.

470
00:21:31,240 --> 00:21:33,560
Speaker 1: All right, I love it. Picasso. Let's go to a

471
00:21:33,600 --> 00:21:35,320
Speaker 1: really quick break on the flip side. We're going to

472
00:21:35,320 --> 00:21:37,919
Speaker 1: be talking about a juicy money dilemma about how to

473
00:21:37,920 --> 00:21:40,360
Speaker 1: be smart with a payout that you receive. But then

474
00:21:40,480 --> 00:21:42,760
Speaker 1: we get to have a chat about a spicier topic,

475
00:21:42,880 --> 00:21:45,560
Speaker 1: something you slid into our dms about this week about

476
00:21:45,600 --> 00:21:48,040
Speaker 1: how to handle a friend who asked to be reimbursed

477
00:21:48,160 --> 00:21:49,720
Speaker 1: for something that they got for free.

478
00:21:50,480 --> 00:21:51,000
Speaker 5: Crazy.

479
00:21:51,160 --> 00:21:51,760
Speaker 1: I can't wait.

480
00:21:55,920 --> 00:21:58,160
Speaker 5: Welcome back, everybody. Let's take a listen to this week's

481
00:21:58,200 --> 00:22:00,560
Speaker 5: money telemma.

482
00:22:00,840 --> 00:22:03,199
Speaker 8: Hi, there, have you got a money dilemma you just

483
00:22:03,240 --> 00:22:05,760
Speaker 8: can't solve? The Sheese on the Money Team is here

484
00:22:05,800 --> 00:22:09,040
Speaker 8: to help. Every week, we tackle your dilemmas, both big

485
00:22:09,080 --> 00:22:11,800
Speaker 8: and small, to answer your most burning money, career and

486
00:22:11,840 --> 00:22:15,000
Speaker 8: life questions. To get involved, simply head to our website

487
00:22:15,080 --> 00:22:17,200
Speaker 8: and leave us a short voice recording and you might

488
00:22:17,240 --> 00:22:19,800
Speaker 8: just find yourself on the show. Now, let's take a

489
00:22:19,840 --> 00:22:21,600
Speaker 8: listen to this week's money dilemma.

490
00:22:24,720 --> 00:22:28,280
Speaker 7: Hi, ladies, my fiance and I have recently been paid

491
00:22:28,320 --> 00:22:32,680
Speaker 7: out a sixty thousand dollars insurance settlement and we're wondering

492
00:22:32,840 --> 00:22:35,359
Speaker 7: what is the best thing to do with this money.

493
00:22:35,760 --> 00:22:39,280
Speaker 7: We currently have no debt other than our mortgage, which

494
00:22:39,320 --> 00:22:41,879
Speaker 7: is the house that we live in. We don't have

495
00:22:42,080 --> 00:22:46,919
Speaker 7: any money invested in stocks or property. So we're wondering

496
00:22:47,000 --> 00:22:49,440
Speaker 7: if we should whack this money on our home loan

497
00:22:49,920 --> 00:22:52,800
Speaker 7: invest or use it as a nest egg for when

498
00:22:52,800 --> 00:22:54,879
Speaker 7: we decide to have our first baby.

499
00:22:55,440 --> 00:22:55,920
Speaker 4: Thanks.

500
00:22:56,080 --> 00:22:59,040
Speaker 1: This is an interesting one because even though you own

501
00:22:59,080 --> 00:23:01,679
Speaker 1: your own house and you said that you don't have

502
00:23:01,720 --> 00:23:05,399
Speaker 1: any investments, do you have an emergency fund? My friend?

503
00:23:05,680 --> 00:23:09,040
Speaker 1: What does that look like? What are your savings accounts

504
00:23:09,080 --> 00:23:11,000
Speaker 1: looking I just have a lot of questions.

505
00:23:11,320 --> 00:23:13,760
Speaker 5: Yeah, I don reminder that we can't provide your personal advice,

506
00:23:13,760 --> 00:23:15,720
Speaker 5: so this is just a general chat. We can't tell you.

507
00:23:15,800 --> 00:23:17,520
Speaker 1: Yeah, no we can't, But I do want to know

508
00:23:17,960 --> 00:23:19,720
Speaker 1: if you came into sixty grand, what are you doing

509
00:23:19,760 --> 00:23:20,080
Speaker 1: with it.

510
00:23:20,320 --> 00:23:22,280
Speaker 6: My situation is very different, but I would obviously like.

511
00:23:22,640 --> 00:23:24,440
Speaker 1: Well, you don't have to disclaim with that. We already

512
00:23:24,520 --> 00:23:26,800
Speaker 1: knew you were the type of girl who gets toilet

513
00:23:26,800 --> 00:23:28,840
Speaker 1: brush from out rubbishes.

514
00:23:28,520 --> 00:23:32,359
Speaker 6: And I would be using that money to buy possibly more.

515
00:23:33,240 --> 00:23:37,080
Speaker 6: But I think I would definitely treat myself. I reckon,

516
00:23:37,080 --> 00:23:39,840
Speaker 6: I'd put like ten towards treating myself and going on

517
00:23:39,840 --> 00:23:42,520
Speaker 6: a holiday and treating my friends and go to the pub,

518
00:23:42,760 --> 00:23:45,320
Speaker 6: you know, doing all these things, and then I'd like ten.

519
00:23:45,760 --> 00:23:48,240
Speaker 1: She's like and treating my friends like you're just so

520
00:23:48,359 --> 00:23:50,520
Speaker 1: happy to look after everybody else.

521
00:23:50,600 --> 00:23:54,280
Speaker 6: Oh that's so sweet, and you know it's the most

522
00:23:54,320 --> 00:23:56,560
Speaker 6: of the joy comes from the people you surround yourself with.

523
00:23:56,640 --> 00:23:58,440
Speaker 6: So if I'm just living my best life but no

524
00:23:58,520 --> 00:24:00,879
Speaker 6: one else is not happy, I probably put ten k

525
00:24:00,960 --> 00:24:03,360
Speaker 6: in savings, ten k in investing.

526
00:24:04,000 --> 00:24:05,400
Speaker 4: So do you think that's good?

527
00:24:05,440 --> 00:24:05,800
Speaker 5: Anyway?

528
00:24:06,880 --> 00:24:11,240
Speaker 1: This is not me. This is about what you would do.

529
00:24:11,480 --> 00:24:14,800
Speaker 6: Ten k in fixing my car and getting myself things

530
00:24:14,840 --> 00:24:17,159
Speaker 6: that I like. You know, I probably should now I

531
00:24:17,160 --> 00:24:18,879
Speaker 6: should be better with my money, but I still haven't, like,

532
00:24:18,920 --> 00:24:21,040
Speaker 6: you know, gotten a really good quality like maybe just

533
00:24:21,040 --> 00:24:22,240
Speaker 6: buy a whole new car because.

534
00:24:22,040 --> 00:24:22,920
Speaker 4: It is so bad.

535
00:24:23,000 --> 00:24:25,800
Speaker 1: But you could with that amount, I really could, absolutely could.

536
00:24:25,880 --> 00:24:28,000
Speaker 6: So just fix up little things like get a whole

537
00:24:28,000 --> 00:24:31,000
Speaker 6: new wardrobe, get like really good bed sheets, you know,

538
00:24:31,040 --> 00:24:33,680
Speaker 6: things like that, and then the rest, you.

539
00:24:33,640 --> 00:24:36,359
Speaker 4: Know what, I'd probably treat myself. Honestly, I think I

540
00:24:36,359 --> 00:24:37,120
Speaker 4: probably would.

541
00:24:36,880 --> 00:24:39,880
Speaker 1: Treat spending sixty grand on herself. I love it. Let's

542
00:24:39,920 --> 00:24:42,359
Speaker 1: flip the table, though. On the other side of the

543
00:24:42,359 --> 00:24:45,840
Speaker 1: table is sitting Mistress Creechy. If you came into sixty

544
00:24:45,880 --> 00:24:47,439
Speaker 1: grand to day, what are you doing with it?

545
00:24:47,560 --> 00:24:55,120
Speaker 5: Team boring over here with David, were ten grand into

546
00:24:55,160 --> 00:24:57,280
Speaker 5: my emergency fund because one of my goals that I'm

547
00:24:57,280 --> 00:25:04,440
Speaker 5: working on right now is increasing one of my goals

548
00:25:04,520 --> 00:25:06,320
Speaker 5: is to increase my emergency funds. The ten around were

549
00:25:06,359 --> 00:25:08,880
Speaker 5: kind of white. What I wanted to do, I would

550
00:25:10,240 --> 00:25:13,280
Speaker 5: I'd probably split the difference, then invest half and put

551
00:25:13,280 --> 00:25:15,159
Speaker 5: half in my house deposit, and that would be it.

552
00:25:15,200 --> 00:25:17,639
Speaker 5: Like I would just literally in one hand out the

553
00:25:17,720 --> 00:25:19,439
Speaker 5: other to goals and stuff.

554
00:25:19,480 --> 00:25:21,760
Speaker 1: Basically, are you spoiling yourself?

555
00:25:22,160 --> 00:25:23,280
Speaker 5: Probably not really.

556
00:25:23,280 --> 00:25:25,280
Speaker 4: You wouln't even get uber it. What's one nut?

557
00:25:25,440 --> 00:25:28,720
Speaker 5: I mean, you know what. I was already in a budget,

558
00:25:29,240 --> 00:25:31,800
Speaker 5: so I got actually not quite close, but I got

559
00:25:31,840 --> 00:25:33,760
Speaker 5: four grand back on my tax I said this last

560
00:25:33,760 --> 00:25:36,840
Speaker 5: week must be nice, honestly, as I thought I was

561
00:25:36,840 --> 00:25:38,880
Speaker 5: gonna earn money. But I did buy myself a tax

562
00:25:38,920 --> 00:25:41,240
Speaker 5: time treat. I bought a projector. So I feel like

563
00:25:41,240 --> 00:25:42,840
Speaker 5: I would do something like that. I would die okay

564
00:25:43,080 --> 00:25:46,400
Speaker 5: if yeah, yeah, but nothing crazy.

565
00:25:46,720 --> 00:25:49,320
Speaker 1: But I love this because I asked you back and

566
00:25:49,359 --> 00:25:51,640
Speaker 1: then I asked you yes, and they were wildly different.

567
00:25:52,160 --> 00:25:55,080
Speaker 1: So what is the best thing to do with a settlement?

568
00:25:55,200 --> 00:25:58,520
Speaker 1: Is actually really subjective and what you do with it

569
00:25:58,560 --> 00:26:01,040
Speaker 1: is completely up to you. And that's not why you

570
00:26:01,080 --> 00:26:03,840
Speaker 1: wrote in you've got a mortgage, what I would be

571
00:26:03,880 --> 00:26:06,119
Speaker 1: doing if you want to get the best bang for

572
00:26:06,200 --> 00:26:10,560
Speaker 1: your buck, like you've got sixty grand, do some maths,

573
00:26:10,840 --> 00:26:14,359
Speaker 1: like obviously, put your values over the top of this.

574
00:26:14,440 --> 00:26:16,679
Speaker 1: And we've just seen a really good example of what

575
00:26:16,800 --> 00:26:20,000
Speaker 1: values look like in different human beings. And I can't

576
00:26:20,000 --> 00:26:21,160
Speaker 1: tell you what yours are.

577
00:26:21,359 --> 00:26:22,080
Speaker 5: But if you're.

578
00:26:21,920 --> 00:26:25,160
Speaker 1: Looking for advice on like financially, what's the best decision,

579
00:26:25,680 --> 00:26:28,760
Speaker 1: do some maths. What does sixty thousand dollars in the

580
00:26:28,760 --> 00:26:31,399
Speaker 1: share market look like in thirty years? What does it

581
00:26:31,440 --> 00:26:34,000
Speaker 1: look like in your superannuation? What does it look like

582
00:26:34,080 --> 00:26:37,640
Speaker 1: sitting in your offset account against your mortgage. Obviously you've

583
00:26:37,680 --> 00:26:39,840
Speaker 1: got some plans that you gave us a little bit

584
00:26:39,840 --> 00:26:42,719
Speaker 1: of an insight into, like is it for a future baby?

585
00:26:43,000 --> 00:26:45,119
Speaker 1: What is a future baby going to cost you? We

586
00:26:45,200 --> 00:26:47,679
Speaker 1: have a heap of episodes around how to budget for

587
00:26:47,680 --> 00:26:51,000
Speaker 1: your first baby and what that looks like. So dividing

588
00:26:51,080 --> 00:26:53,760
Speaker 1: it up based on your values is probably what's going

589
00:26:53,840 --> 00:26:56,840
Speaker 1: to happen. But when it comes to making the most

590
00:26:56,880 --> 00:26:59,640
Speaker 1: of it from a financial perspective, like, have a look

591
00:26:59,640 --> 00:27:01,840
Speaker 1: at the res that are in the share market, have

592
00:27:01,920 --> 00:27:04,080
Speaker 1: a look at what it's going to mean for your mortgage.

593
00:27:04,119 --> 00:27:07,160
Speaker 1: Sixty grand on a mortgage is definitely going to cut

594
00:27:07,200 --> 00:27:09,320
Speaker 1: down the amount of time that you're paying off your

595
00:27:09,359 --> 00:27:12,439
Speaker 1: mortgage for. But then also remember if you're putting it

596
00:27:12,480 --> 00:27:15,800
Speaker 1: into your offset account, you still have access to that,

597
00:27:16,000 --> 00:27:18,600
Speaker 1: so it cuts down how much interest you're paying today.

598
00:27:18,680 --> 00:27:20,439
Speaker 1: But then maybe when you have a baby in the

599
00:27:20,480 --> 00:27:23,520
Speaker 1: future you could use some of that as your nest egg.

600
00:27:23,760 --> 00:27:25,520
Speaker 1: So even if it's going to become a nest egg,

601
00:27:25,560 --> 00:27:27,520
Speaker 1: I want it to be a productive nestig, right, Like,

602
00:27:27,560 --> 00:27:29,280
Speaker 1: don't put it in a savings account where you're not

603
00:27:29,320 --> 00:27:34,080
Speaker 1: getting any interest. But also this is a probably spicy topic.

604
00:27:34,800 --> 00:27:38,159
Speaker 1: If you have a mortgage and a savings account, please

605
00:27:38,200 --> 00:27:41,879
Speaker 1: don't forget that inside your savings account, if you're earning

606
00:27:42,000 --> 00:27:45,640
Speaker 1: any interest, any interest, you're going to have to pay

607
00:27:45,680 --> 00:27:48,439
Speaker 1: tax on. That is money that you have earned, and

608
00:27:48,560 --> 00:27:50,600
Speaker 1: so when you earn money here in Australia, you have

609
00:27:50,640 --> 00:27:53,520
Speaker 1: to pay tax on it. However, if you then had

610
00:27:53,520 --> 00:27:57,000
Speaker 1: it in an offset account and instead of earning you

611
00:27:57,160 --> 00:28:00,920
Speaker 1: interest is cutting down how much interest you're paying that

612
00:28:01,119 --> 00:28:05,639
Speaker 1: could be financially better for you than a savings account

613
00:28:05,640 --> 00:28:07,639
Speaker 1: where you're like, but I'm earning money, be yes, but

614
00:28:07,680 --> 00:28:10,479
Speaker 1: you're not paying money, and arguably because you don't have

615
00:28:10,520 --> 00:28:13,959
Speaker 1: to pay any tax on it, you're saving more. So

616
00:28:14,119 --> 00:28:17,440
Speaker 1: do the mass between the two. But always remember that

617
00:28:17,600 --> 00:28:20,800
Speaker 1: you will be paying your marginal tax rate on any

618
00:28:20,840 --> 00:28:23,280
Speaker 1: money that you earn inside that savings accounts. So even

619
00:28:23,280 --> 00:28:25,560
Speaker 1: though it's really sexy and it might be like seven

620
00:28:25,600 --> 00:28:29,960
Speaker 1: percent or something and your mortgage is lower, maybe it's

621
00:28:30,040 --> 00:28:33,680
Speaker 1: more cost effective or financially beneficial to be against your

622
00:28:33,720 --> 00:28:35,719
Speaker 1: lower mortgage because there's no tax element.

623
00:28:36,040 --> 00:28:39,000
Speaker 5: I also just out of curiosity to get an insurance payout.

624
00:28:39,480 --> 00:28:45,480
Speaker 5: Normally the money is needed for something like it or

625
00:28:45,880 --> 00:28:48,120
Speaker 5: I got in an accident or I had a loss

626
00:28:48,120 --> 00:28:51,640
Speaker 5: of income. So if sixty grand is your total payout,

627
00:28:52,400 --> 00:28:54,480
Speaker 5: does it need to cover something because I would focus

628
00:28:54,480 --> 00:28:57,000
Speaker 5: on covering that. Yeah, and one percent. And I mean,

629
00:28:57,040 --> 00:28:59,000
Speaker 5: sometimes you're lucky and your insurance is a set up

630
00:28:59,000 --> 00:29:00,680
Speaker 5: really well and you get more more than you need,

631
00:29:00,720 --> 00:29:02,880
Speaker 5: and that's love that for you. But like I would,

632
00:29:02,880 --> 00:29:05,360
Speaker 5: assumably some part of that money has to go towards

633
00:29:05,440 --> 00:29:07,320
Speaker 5: whatever the payout was meant to be for.

634
00:29:07,400 --> 00:29:12,840
Speaker 1: Yeah, and also remembering yet that often within insurance, if

635
00:29:12,840 --> 00:29:15,320
Speaker 1: you get a payout, it might stop you from getting

636
00:29:15,320 --> 00:29:19,880
Speaker 1: a future payout. So I know that some insurances might go, Okay, Beck,

637
00:29:19,920 --> 00:29:21,480
Speaker 1: we're going to pay you out for this, but in

638
00:29:21,520 --> 00:29:24,600
Speaker 1: the future, like your policy now, has an exclusion for

639
00:29:24,640 --> 00:29:27,040
Speaker 1: that particular cause. And this is why it's so important

640
00:29:27,080 --> 00:29:29,840
Speaker 1: to get good insurance advice, to know what it covers

641
00:29:29,880 --> 00:29:33,360
Speaker 1: what it doesn't cover. Because I know that if I

642
00:29:33,560 --> 00:29:37,360
Speaker 1: get an insurance payout from my personal insurances, I won't

643
00:29:37,360 --> 00:29:40,320
Speaker 1: have exclusions because I have set it up and if

644
00:29:40,320 --> 00:29:42,280
Speaker 1: you want to go check out sky Wealth will put

645
00:29:42,320 --> 00:29:45,200
Speaker 1: their link in these show notes. But like if I

646
00:29:45,320 --> 00:29:49,280
Speaker 1: suffer a personal traumatic event, I know I'll get paid

647
00:29:49,280 --> 00:29:51,200
Speaker 1: out for it, but depending on what it is, I

648
00:29:51,280 --> 00:29:53,440
Speaker 1: might get an exclusion for it or I might not.

649
00:29:53,960 --> 00:29:57,880
Speaker 1: So like a heart attack for example, in my personal situation,

650
00:29:58,080 --> 00:30:01,560
Speaker 1: if I have that event happened to me and I recover, fine,

651
00:30:01,600 --> 00:30:03,959
Speaker 1: I'll get a payout, but I can get a future

652
00:30:04,000 --> 00:30:07,960
Speaker 1: one right as well. You're maybe suggesting that they sit

653
00:30:08,000 --> 00:30:11,520
Speaker 1: on this, they maybe save it in case something else happens.

654
00:30:11,640 --> 00:30:14,480
Speaker 1: To Jess's point, the insurance payout is usually for something

655
00:30:14,760 --> 00:30:19,560
Speaker 1: unless it was like compensation above and beyond covering the cost,

656
00:30:19,720 --> 00:30:22,080
Speaker 1: Like did you crash your car and it's worth sixty

657
00:30:22,080 --> 00:30:23,800
Speaker 1: grand and you actually need a family car?

658
00:30:23,920 --> 00:30:25,040
Speaker 5: Like, what does that look like?

659
00:30:25,200 --> 00:30:25,520
Speaker 6: Gotch?

660
00:30:26,280 --> 00:30:29,320
Speaker 1: Is it an insurance payout? Because you know, God forbid

661
00:30:29,400 --> 00:30:31,880
Speaker 1: something happened yesterday and you had a personal injury and

662
00:30:31,880 --> 00:30:35,920
Speaker 1: now you need to modify your bathrooms. Renovations are expensive,

663
00:30:36,200 --> 00:30:38,320
Speaker 1: so it just depends.

664
00:30:38,080 --> 00:30:40,280
Speaker 5: Yes, should get into the juice.

665
00:30:40,400 --> 00:30:41,400
Speaker 1: Oh yeah, you ready?

666
00:30:41,520 --> 00:30:42,760
Speaker 4: Yeah?

667
00:30:41,840 --> 00:30:46,320
Speaker 1: All right, So here's a DM that we got this week. Hey,

668
00:30:46,360 --> 00:30:48,520
Speaker 1: she's on the money. I need some advice on an

669
00:30:48,560 --> 00:30:52,280
Speaker 1: awkward money situation. A friend offered to drive us both

670
00:30:52,320 --> 00:30:54,400
Speaker 1: to the airport for an upcoming trip, and I was

671
00:30:54,440 --> 00:30:57,200
Speaker 1: super thankful since it saved me the hussle of finding

672
00:30:57,240 --> 00:30:59,920
Speaker 1: some transport. But after the trip, they asked me to

673
00:31:00,160 --> 00:31:03,000
Speaker 1: pay them some petrol money. The thing is, I know

674
00:31:03,040 --> 00:31:06,640
Speaker 1: that they get their petrol for free through work. It's

675
00:31:06,640 --> 00:31:09,080
Speaker 1: a perk that they've mentioned time and time again, so

676
00:31:09,240 --> 00:31:12,160
Speaker 1: I was surprised when they asked me to pay. It's

677
00:31:12,200 --> 00:31:13,520
Speaker 1: not like I'm not grateful.

678
00:31:13,600 --> 00:31:14,000
Speaker 3: I am.

679
00:31:14,200 --> 00:31:16,400
Speaker 1: It just feels really weird to be paying for something

680
00:31:16,400 --> 00:31:19,400
Speaker 1: that didn't cost them anything. I don't want to seem stingy,

681
00:31:19,480 --> 00:31:21,760
Speaker 1: but I feel like I should bring this up or

682
00:31:21,840 --> 00:31:23,880
Speaker 1: am I seeing this in the wrong way?

683
00:31:24,240 --> 00:31:27,080
Speaker 5: I mean there are many layers to this, Yes, so

684
00:31:27,240 --> 00:31:30,640
Speaker 5: many layers. I feel so this is a weird rule

685
00:31:30,640 --> 00:31:33,800
Speaker 5: that I have in my head. But so VEDI. If

686
00:31:33,800 --> 00:31:35,640
Speaker 5: I said to you, can you please take me to

687
00:31:35,680 --> 00:31:38,520
Speaker 5: the airport? Ye, I would offer to pay you. But

688
00:31:38,600 --> 00:31:40,880
Speaker 5: if you said to me, I'm going to the airport,

689
00:31:40,920 --> 00:31:44,200
Speaker 5: do you want to come? Like? I would be like, yeah,

690
00:31:44,680 --> 00:31:46,040
Speaker 5: do you know what I mean? Like I don't feel

691
00:31:46,080 --> 00:31:47,680
Speaker 5: like you. I would be like, oh, I'll grab us

692
00:31:47,680 --> 00:31:49,560
Speaker 5: coffees in the morning or something like.

693
00:31:49,840 --> 00:31:51,840
Speaker 6: Did the person was the person already going to the airport?

694
00:31:51,840 --> 00:31:54,680
Speaker 6: They were like it said they drove both of us.

695
00:31:56,160 --> 00:31:59,320
Speaker 5: I have asked someone to put themselves out. In my mind,

696
00:31:59,440 --> 00:32:02,440
Speaker 5: immediately go. I should sweeten the deal and be like,

697
00:32:02,440 --> 00:32:04,280
Speaker 5: can you drive me to the airport. I'll pay you

698
00:32:04,320 --> 00:32:07,120
Speaker 5: a petrol or like I'll buy breakfast or whatever. But

699
00:32:07,200 --> 00:32:09,840
Speaker 5: if we're both already going and you just go, do

700
00:32:09,880 --> 00:32:12,520
Speaker 5: you want to jump in the car? I don't know why.

701
00:32:12,560 --> 00:32:15,440
Speaker 5: In my mind that's different. I still would be like, oh, like,

702
00:32:15,480 --> 00:32:16,959
Speaker 5: I'll grab the coffee at the airport, or I'll pick

703
00:32:17,000 --> 00:32:18,720
Speaker 5: up breakfast at Macas on the way through or whatever.

704
00:32:19,280 --> 00:32:21,600
Speaker 5: But in my you're already going.

705
00:32:21,640 --> 00:32:22,840
Speaker 4: I get you, I get you.

706
00:32:23,640 --> 00:32:24,640
Speaker 5: Is that make me a bad person?

707
00:32:24,640 --> 00:32:24,880
Speaker 8: No?

708
00:32:24,880 --> 00:32:29,560
Speaker 1: No, no, not one thing i'd make you.

709
00:32:31,000 --> 00:32:35,600
Speaker 6: I guess I'm wondering, Like, firstly, if I'm offering, I'm

710
00:32:35,680 --> 00:32:38,160
Speaker 6: kind of on the same page as you, but like

711
00:32:38,240 --> 00:32:40,280
Speaker 6: a little slightly different. If I'm offering to take them

712
00:32:40,320 --> 00:32:41,520
Speaker 6: to the airport or they want me to take them

713
00:32:41,520 --> 00:32:44,280
Speaker 6: to the airport, I assume that it's all free, because

714
00:32:44,320 --> 00:32:49,120
Speaker 6: otherwise they would just take a skybus or anything transport anything. Otherwise,

715
00:32:49,160 --> 00:32:51,200
Speaker 6: why would you bother asking for a lift anywhere?

716
00:32:51,240 --> 00:32:53,400
Speaker 5: Like if you offer your being a nice friend, like

717
00:32:53,440 --> 00:32:56,520
Speaker 5: I'm not offering to get something out of it, Like

718
00:32:56,520 --> 00:32:58,160
Speaker 5: I'm just saying you need to lift to the airport,

719
00:32:58,280 --> 00:33:00,600
Speaker 5: Like I wouldn't expect you to pay.

720
00:33:00,080 --> 00:33:03,000
Speaker 1: Yes, I guess it's also like also weird that you're

721
00:33:03,040 --> 00:33:08,000
Speaker 1: asking to be paid after after it's weird, ketch you

722
00:33:08,120 --> 00:33:11,240
Speaker 1: weird pyjs. I can take you to the airport and

723
00:33:11,240 --> 00:33:13,320
Speaker 1: then what you get there, And I'm like cough up,

724
00:33:13,600 --> 00:33:14,480
Speaker 1: like how.

725
00:33:14,640 --> 00:33:17,680
Speaker 5: Yeah, it's giving a foreign country where they're like, can

726
00:33:17,720 --> 00:33:19,480
Speaker 5: I take your suitcases? And you're like, oh, sure, and

727
00:33:19,520 --> 00:33:21,040
Speaker 5: then they're like, that'll be twenty.

728
00:33:20,760 --> 00:33:26,360
Speaker 1: Euro yeah, traveling, and they're like, oh, I can take

729
00:33:26,360 --> 00:33:28,400
Speaker 1: your suitcase up to the room. I look like a

730
00:33:28,480 --> 00:33:30,600
Speaker 1: crazy person. I'm like, don't touch them. I don't know,

731
00:33:31,640 --> 00:33:32,520
Speaker 1: don't touch my bags.

732
00:33:32,520 --> 00:33:33,520
Speaker 4: It's fine, We've got them.

733
00:33:34,400 --> 00:33:39,880
Speaker 6: Yeah, I guess like I'm also wondering, I'm sorry, I

734
00:33:40,200 --> 00:33:42,080
Speaker 6: just realized that the side of my sentence is always

735
00:33:42,080 --> 00:33:45,560
Speaker 6: the same. But anyway, we could maybe assume that they

736
00:33:45,600 --> 00:33:48,200
Speaker 6: had to park there, and maybe that's what they want

737
00:33:48,200 --> 00:33:50,600
Speaker 6: the money for the in which case they shouldn't say that,

738
00:33:51,080 --> 00:33:52,800
Speaker 6: but yeah, do you want to split parking with me

739
00:33:52,920 --> 00:33:53,200
Speaker 6: or something?

740
00:33:53,320 --> 00:33:53,960
Speaker 4: Split parking?

741
00:33:54,040 --> 00:33:58,680
Speaker 6: Sure? But I also am thinking, like, do they sorry?

742
00:33:58,680 --> 00:34:00,240
Speaker 4: I didn't mention if they're going in the same.

743
00:34:00,640 --> 00:34:03,320
Speaker 1: Yes, so the message said a friend offered to drive

744
00:34:03,400 --> 00:34:07,000
Speaker 1: us both to the airport for an upcoming trip. Us

745
00:34:07,040 --> 00:34:10,760
Speaker 1: both like, as my friend I offered to drive Jess

746
00:34:10,760 --> 00:34:13,120
Speaker 1: and I to the airport for an upcoming trip, I

747
00:34:13,120 --> 00:34:14,560
Speaker 1: would assume they're both on the same tree.

748
00:34:14,560 --> 00:34:14,840
Speaker 8: I don't know.

749
00:34:15,239 --> 00:34:16,640
Speaker 4: It's so hard for me to absorb that that.

750
00:34:16,600 --> 00:34:18,879
Speaker 1: Makes it I think that they're both going together. Both

751
00:34:18,920 --> 00:34:21,440
Speaker 1: going to and then I was like, you have to

752
00:34:21,440 --> 00:34:23,840
Speaker 1: pay for the petrol. I'm not paying for the petrol.

753
00:34:23,960 --> 00:34:24,600
Speaker 5: That's line.

754
00:34:24,640 --> 00:34:25,960
Speaker 1: I have to pay for the petrol.

755
00:34:27,120 --> 00:34:31,239
Speaker 9: I haven't even so we haven't even discussed friend for trash,

756
00:34:31,320 --> 00:34:34,040
Speaker 9: which I totally think is fine, but like, do that

757
00:34:34,160 --> 00:34:36,359
Speaker 9: up front, Like if I go, yes, oh hey, Beck,

758
00:34:36,400 --> 00:34:38,120
Speaker 9: I can drive us to the airport, would you mind

759
00:34:38,160 --> 00:34:40,440
Speaker 9: chipping in ten barks or whatever it is?

760
00:34:41,120 --> 00:34:42,919
Speaker 1: And like, let's be honest, that's a bit of a joke.

761
00:34:43,080 --> 00:34:46,279
Speaker 1: Petrol is not ten bucks anymore. Like I sneeze and

762
00:34:46,320 --> 00:34:50,600
Speaker 1: it's fifty dollars day. But that's when you have to

763
00:34:51,440 --> 00:34:55,040
Speaker 1: communicate that, because that's giving Beck the option to go no,

764
00:34:55,280 --> 00:34:58,040
Speaker 1: actually I already have a skybus ticket booked. I pre

765
00:34:58,040 --> 00:35:00,919
Speaker 1: booked it. There was like a sale or something, and

766
00:35:01,600 --> 00:35:05,280
Speaker 1: you've got the option of saying no to incurring another expense,

767
00:35:05,560 --> 00:35:07,560
Speaker 1: like or you might be like, oh no, thanks, my

768
00:35:07,640 --> 00:35:10,440
Speaker 1: mum can drop me there, like you might actually have

769
00:35:10,560 --> 00:35:14,360
Speaker 1: someone who can transport you for free, but you I

770
00:35:14,680 --> 00:35:16,040
Speaker 1: could go on and on. I think we're all on

771
00:35:16,120 --> 00:35:17,000
Speaker 1: the same page though.

772
00:35:17,200 --> 00:35:19,600
Speaker 5: But then the yeah, the element of paying when they're

773
00:35:19,640 --> 00:35:22,600
Speaker 5: not paying is very strange to me. Like if anything,

774
00:35:22,600 --> 00:35:24,480
Speaker 5: I'd be go, oh my god, VD, do you want

775
00:35:24,520 --> 00:35:26,320
Speaker 5: to drive as the airport. I don't have to pay petrol,

776
00:35:26,320 --> 00:35:29,560
Speaker 5: it's on work. Yeah, Like yet money with strange to

777
00:35:29,640 --> 00:35:32,719
Speaker 5: me unless maybe they like it would make sense to

778
00:35:32,760 --> 00:35:35,360
Speaker 5: me that petrol's covered within work hours or there's a

779
00:35:35,400 --> 00:35:37,800
Speaker 5: log book method and maybe our list and I doesn't

780
00:35:37,840 --> 00:35:40,120
Speaker 5: realize that, you know, I mean maybe the petals.

781
00:35:40,160 --> 00:35:43,239
Speaker 1: It's actually weird even if that exists, to go back

782
00:35:43,280 --> 00:35:46,200
Speaker 1: and ask your mate for money after incurring something that

783
00:35:46,280 --> 00:35:48,520
Speaker 1: they probably thought was free.

784
00:35:48,440 --> 00:35:50,400
Speaker 5: Yeah, the whole thing is uncomfort.

785
00:35:50,520 --> 00:35:54,040
Speaker 6: You need a sad things your expectation us. I would

786
00:35:54,200 --> 00:35:57,600
Speaker 6: maybe ask my friend in this situation. It is awkward,

787
00:35:57,640 --> 00:36:00,239
Speaker 6: but I'd be like, oh did work did work want

788
00:36:00,280 --> 00:36:01,800
Speaker 6: you to cover or did you get like be a

789
00:36:01,840 --> 00:36:03,359
Speaker 6: bit cheeky like or did you get in trouble from

790
00:36:03,400 --> 00:36:05,839
Speaker 6: work or something like that, like petrol.

791
00:36:05,520 --> 00:36:07,239
Speaker 1: You're like, I'm going to dig your grave for you,

792
00:36:07,880 --> 00:36:08,480
Speaker 1: like a shovel.

793
00:36:08,960 --> 00:36:11,400
Speaker 6: Yeah, Like and then they'd be like, oh, that's right.

794
00:36:11,480 --> 00:36:13,680
Speaker 6: I did tell them that work pays for my petrol.

795
00:36:13,880 --> 00:36:15,640
Speaker 6: But like, maybe just make a little cheeky joke and

796
00:36:15,719 --> 00:36:17,560
Speaker 6: be like yeah, just say something like that, like oh,

797
00:36:17,640 --> 00:36:20,080
Speaker 6: did work, get angry that you whatever, and then kind

798
00:36:20,120 --> 00:36:23,440
Speaker 6: of say, you know, I guess it depends on how

799
00:36:23,520 --> 00:36:25,279
Speaker 6: much it is, too, because if it's like ten bucks,

800
00:36:25,320 --> 00:36:27,760
Speaker 6: it's not enough to make a bit of a If it's.

801
00:36:27,680 --> 00:36:32,279
Speaker 1: Super significant, ah, it frustrates me because obviously I think

802
00:36:32,480 --> 00:36:34,480
Speaker 1: that if you're ever gonna ask someone for money, we

803
00:36:34,560 --> 00:36:37,319
Speaker 1: need to be setting clear expectations and not surprising them

804
00:36:37,360 --> 00:36:41,040
Speaker 1: with it. I mean, hopefully because you're going on a holiday,

805
00:36:41,560 --> 00:36:45,480
Speaker 1: you've got some extra budget for transport, because obviously you

806
00:36:45,560 --> 00:36:47,800
Speaker 1: can never predict what's going on on a holiday, and

807
00:36:47,920 --> 00:36:50,399
Speaker 1: maybe that can be part of that budget. Because it's

808
00:36:50,440 --> 00:36:52,120
Speaker 1: going to depend on who your friend is as well,

809
00:36:52,200 --> 00:36:54,560
Speaker 1: because like I know, I've got friends that if I

810
00:36:54,640 --> 00:36:56,799
Speaker 1: pushed back on them if they asked for cash, I'd

811
00:36:56,840 --> 00:36:58,799
Speaker 1: be like, oh weird, like I didn't think it was there,

812
00:36:58,840 --> 00:37:00,759
Speaker 1: and then they'd be like, oh, sorry, I really should

813
00:37:00,760 --> 00:37:03,560
Speaker 1: have chatted you about it. If I had someone else, though,

814
00:37:03,640 --> 00:37:06,640
Speaker 1: like a different friend, it would be really awkward, like

815
00:37:07,239 --> 00:37:09,440
Speaker 1: and it would make the friendship awkward, and I wouldn't

816
00:37:09,440 --> 00:37:11,719
Speaker 1: bring it up. So I feel like read the room

817
00:37:11,800 --> 00:37:15,560
Speaker 1: on it as well, like from a personal perspective, yeah.

818
00:37:15,560 --> 00:37:19,480
Speaker 5: Oh, thing's weird, weird. I like it not one bit.

819
00:37:20,560 --> 00:37:24,520
Speaker 1: We asked the community, and no one's going to be surprised,

820
00:37:24,840 --> 00:37:28,080
Speaker 1: they're exactly like us. We said, should friends expect money

821
00:37:28,160 --> 00:37:30,880
Speaker 1: for favors like giving them a lift? Eighty seven percent

822
00:37:30,920 --> 00:37:32,720
Speaker 1: of you said no, favors.

823
00:37:32,400 --> 00:37:34,640
Speaker 5: Should be free, agree completely.

824
00:37:34,920 --> 00:37:37,279
Speaker 1: Thirteen percent of you said, yep, everyone should be paying

825
00:37:37,280 --> 00:37:40,800
Speaker 1: their own way. Well, that's cool, that's cool. Could you

826
00:37:40,960 --> 00:37:43,359
Speaker 1: just let your mates know that you'll be charging them

827
00:37:43,400 --> 00:37:46,800
Speaker 1: before you charge? That's all we are, that's all we ask, like.

828
00:37:47,360 --> 00:37:49,879
Speaker 1: I don't mind if that's your point of view. Each

829
00:37:49,960 --> 00:37:52,600
Speaker 1: to their own, but you've got to be super transparent

830
00:37:52,640 --> 00:37:54,640
Speaker 1: about that. Yes, you're going to offer a favor and

831
00:37:54,680 --> 00:37:56,279
Speaker 1: then say, but the favor is going to cost you.

832
00:37:56,760 --> 00:37:59,920
Speaker 1: Maybe that's actually not a favor, that's a business.

833
00:38:00,080 --> 00:38:00,279
Speaker 5: Six.

834
00:38:02,520 --> 00:38:04,719
Speaker 1: We then asked the community, how would you deal with

835
00:38:04,800 --> 00:38:07,280
Speaker 1: a friend who is asking for money and you don't

836
00:38:07,400 --> 00:38:11,120
Speaker 1: feel like it's justified. Fifty nine percent of you your

837
00:38:11,200 --> 00:38:14,200
Speaker 1: she's on the money, girls, We're gonna have an open conversation.

838
00:38:14,520 --> 00:38:15,520
Speaker 4: Good, fair, good, Yes.

839
00:38:15,600 --> 00:38:17,640
Speaker 1: Forty one percent of you said, I'm just going to

840
00:38:17,680 --> 00:38:19,080
Speaker 1: pay to avoid the drama.

841
00:38:19,400 --> 00:38:22,319
Speaker 5: Understand it's the money girl.

842
00:38:23,400 --> 00:38:25,240
Speaker 1: We then said, all right, give us you two cents.

843
00:38:25,320 --> 00:38:27,600
Speaker 1: What do you think about this situation? And as always,

844
00:38:27,719 --> 00:38:31,279
Speaker 1: you had some colorful opinions. First person said, petrol can

845
00:38:31,320 --> 00:38:34,239
Speaker 1: be like an umbrella term for everything related to a

846
00:38:34,360 --> 00:38:36,840
Speaker 1: car's wear and tear in insurance and redro and stuff.

847
00:38:37,120 --> 00:38:39,320
Speaker 5: You've drive me to the airport once. I don't know

848
00:38:39,400 --> 00:38:41,520
Speaker 5: that I need to be chipped in for Redro just yet.

849
00:38:42,080 --> 00:38:44,520
Speaker 1: You're going to be like, oh, but yes, it's we're

850
00:38:44,560 --> 00:38:48,120
Speaker 1: in tearror on my car, babe, you were driving it

851
00:38:48,239 --> 00:38:50,879
Speaker 1: to the air You're already going Are we talking about

852
00:38:51,040 --> 00:38:52,919
Speaker 1: wear and tear on the passenger seat?

853
00:38:53,160 --> 00:38:56,000
Speaker 4: Maybe they were just like kind of gross, oh.

854
00:38:58,280 --> 00:38:59,399
Speaker 5: Drunk and they in the car.

855
00:39:01,400 --> 00:39:04,520
Speaker 4: Really sweaty. Maybe they farted one too many times.

856
00:39:05,880 --> 00:39:08,359
Speaker 1: Someone else said, does her work cover all her fuel

857
00:39:08,440 --> 00:39:11,080
Speaker 1: costs or just work related travel? And I like, so

858
00:39:11,200 --> 00:39:12,880
Speaker 1: I get that. But if you're going to do your

859
00:39:12,960 --> 00:39:16,000
Speaker 1: friend a favor and offer them something, I think that

860
00:39:16,160 --> 00:39:18,560
Speaker 1: that should be with nothing expected in return. And you

861
00:39:18,600 --> 00:39:21,760
Speaker 1: know I did. Jess is laughing, Beck is laughing.

862
00:39:24,800 --> 00:39:26,400
Speaker 5: I really try to pull it together.

863
00:39:26,719 --> 00:39:29,120
Speaker 1: Pull it together back, because I looked up favor in

864
00:39:29,200 --> 00:39:33,399
Speaker 1: the dictionary and it says that it is an act

865
00:39:33,440 --> 00:39:37,080
Speaker 1: of kindness beyond what is due or usual, with no

866
00:39:37,480 --> 00:39:39,840
Speaker 1: expectation for service in return.

867
00:39:39,960 --> 00:39:41,720
Speaker 4: Oh that's quite literally the definition.

868
00:39:42,239 --> 00:39:44,399
Speaker 1: So I mean, we're meant to do a favor for free.

869
00:39:46,000 --> 00:39:47,080
Speaker 1: But I'm thinking.

870
00:39:48,920 --> 00:39:52,920
Speaker 6: Maybe they like got their toll bill and their parking

871
00:39:53,000 --> 00:39:55,560
Speaker 6: bill and they're like, it's weirly. Didn't communicate any of this.

872
00:39:55,680 --> 00:39:58,160
Speaker 6: They're saying it like it's a normal request. Like doesn't

873
00:39:58,160 --> 00:40:01,480
Speaker 6: seem like they explain anything. But it could be that

874
00:40:01,560 --> 00:40:03,760
Speaker 6: they're you know, they realize the tolls like so expensive.

875
00:40:03,760 --> 00:40:06,040
Speaker 1: Well, see, it's an act of kindness that has no

876
00:40:06,239 --> 00:40:10,239
Speaker 1: expectation for a remuneration. According to Google, that's true.

877
00:40:10,400 --> 00:40:11,520
Speaker 4: Yeah, it's very weird.

878
00:40:12,000 --> 00:40:16,760
Speaker 1: You a favor, I'm not paying you. That becomes a service.

879
00:40:18,760 --> 00:40:22,960
Speaker 1: You became my uber jover, you were actually my personal assistant.

880
00:40:23,120 --> 00:40:25,960
Speaker 1: Yeah weird, But okay, if I didn't realize this was

881
00:40:26,000 --> 00:40:28,759
Speaker 1: the dynamic. So I get that you're trying to justified that.

882
00:40:28,880 --> 00:40:30,920
Speaker 1: It could be a lot of things. But I just

883
00:40:31,640 --> 00:40:34,759
Speaker 1: I think as somebody who would be mortified to ask

884
00:40:34,880 --> 00:40:37,440
Speaker 1: their friend to pay me for a favor. Yeah, I

885
00:40:37,560 --> 00:40:39,759
Speaker 1: just couldn't do it. It's a lot. Someone else said,

886
00:40:39,760 --> 00:40:42,560
Speaker 1: approach this with compassion. Maybe the friend is now having

887
00:40:42,640 --> 00:40:45,880
Speaker 1: money trouble but doesn't want to say anything. Totally agree.

888
00:40:45,960 --> 00:40:47,920
Speaker 6: I was thinking that too, but I'm like say that.

889
00:40:48,160 --> 00:40:50,400
Speaker 5: You know, yeah, I think it's in the communication to say, hey,

890
00:40:50,440 --> 00:40:52,200
Speaker 5: oh my god, I didn't realize how many tolls we'd

891
00:40:52,280 --> 00:40:55,400
Speaker 5: hit on the way through. It's cost me sixty bucks.

892
00:40:55,760 --> 00:40:58,520
Speaker 5: Would you mind splitting it is a much better way

893
00:40:58,520 --> 00:40:59,080
Speaker 5: to approach it.

894
00:40:59,280 --> 00:41:01,800
Speaker 6: You must give context. I can't just be like, just

895
00:41:01,840 --> 00:41:07,400
Speaker 6: give me ten bucks. Yeah, right now, you would. You've

896
00:41:07,400 --> 00:41:11,200
Speaker 6: got to give would Yeah, I completely agree. It's only

897
00:41:11,239 --> 00:41:13,719
Speaker 6: to how it's communicated. It sounds like maybe, yeah, like

898
00:41:13,840 --> 00:41:16,240
Speaker 6: totally valid. If you're like, oh god, it's so expensive,

899
00:41:16,320 --> 00:41:17,920
Speaker 6: but like, don't be addicapated.

900
00:41:17,960 --> 00:41:20,880
Speaker 1: The next one it's going to make you laugh, she says,

901
00:41:21,120 --> 00:41:24,680
Speaker 1: play dumb go. I'm sorry I didn't actually offer you

902
00:41:24,760 --> 00:41:26,800
Speaker 1: petrol money. I thought your work was paying for it.

903
00:41:26,880 --> 00:41:27,759
Speaker 1: How much do I owe you?

904
00:41:28,120 --> 00:41:29,960
Speaker 4: Oh yeah, yeah, though that's good.

905
00:41:30,800 --> 00:41:33,000
Speaker 1: I would die. I would simply pass away.

906
00:41:33,040 --> 00:41:33,600
Speaker 4: Oh that's good.

907
00:41:33,680 --> 00:41:35,839
Speaker 6: Oh sorry, I would have offered. But I thought, yeah,

908
00:41:35,960 --> 00:41:36,880
Speaker 6: that's a great idea.

909
00:41:37,280 --> 00:41:40,400
Speaker 1: Someone else said, if you give someone a favor, it

910
00:41:40,480 --> 00:41:43,160
Speaker 1: doesn't equal money. It actually equals a favor of a

911
00:41:43,239 --> 00:41:44,000
Speaker 1: similar amount.

912
00:41:44,960 --> 00:41:46,759
Speaker 5: Oh yeah, like in the future, like if they need

913
00:41:46,840 --> 00:41:49,239
Speaker 5: to lift the airport, yeah, you drive them. Yeah.

914
00:41:49,840 --> 00:41:51,000
Speaker 1: Isn't that just friendship?

915
00:41:51,800 --> 00:41:53,120
Speaker 4: Yes, and that's all.

916
00:41:53,320 --> 00:41:56,520
Speaker 6: But then we're going into like expecting something in return.

917
00:41:56,920 --> 00:41:57,879
Speaker 5: Yeah, that's true.

918
00:41:57,920 --> 00:42:00,520
Speaker 1: If someone else said, and I like this girl, she said,

919
00:42:00,960 --> 00:42:03,600
Speaker 1: I always offered a drive if a group is going

920
00:42:03,680 --> 00:42:06,360
Speaker 1: somewhere because I don't pay for my petrol thanks to

921
00:42:06,440 --> 00:42:08,440
Speaker 1: my job. This is wild to me that she's asking

922
00:42:08,520 --> 00:42:12,120
Speaker 1: for cash. I agree her friends, she's a good friend friend.

923
00:42:12,440 --> 00:42:14,600
Speaker 1: Someone else said, offer to shout her brunch as a

924
00:42:14,680 --> 00:42:18,000
Speaker 1: thank you instead. Someone else said, to be honest, if

925
00:42:18,040 --> 00:42:19,840
Speaker 1: I thought i'd be paying fuel money, I'm just going

926
00:42:19,920 --> 00:42:24,600
Speaker 1: to get into damn cab totally. I laughed so hard, because,

927
00:42:24,719 --> 00:42:29,400
Speaker 1: like sometimes if it's asked in the wrong way, petty

928
00:42:29,520 --> 00:42:32,520
Speaker 1: me would have gone the damn cab. I would have

929
00:42:32,560 --> 00:42:34,879
Speaker 1: been like, that's why I'll meet you there. Yeah, that's

930
00:42:34,960 --> 00:42:37,800
Speaker 1: absolutely fine. Someone else said, I'd be curious to know

931
00:42:37,960 --> 00:42:40,200
Speaker 1: if the friend had to then pay for parking at

932
00:42:40,239 --> 00:42:42,960
Speaker 1: the airport, because that could be expensive and perhaps she

933
00:42:43,040 --> 00:42:46,000
Speaker 1: should have asked to split that. And then someone else

934
00:42:46,239 --> 00:42:49,520
Speaker 1: another one of our petty queens said, I'd be sarcastic

935
00:42:49,600 --> 00:42:52,080
Speaker 1: and then asked, did you want that money transferred directly

936
00:42:52,160 --> 00:42:58,240
Speaker 1: to you or your boss's account? Before real before imagine

937
00:42:58,280 --> 00:42:59,880
Speaker 1: me being like, did you want that in your account?

938
00:43:00,000 --> 00:43:02,279
Speaker 1: I call your boss's account, so Gi.

939
00:43:02,600 --> 00:43:04,880
Speaker 5: Gosh, please reprop back. I'm curious to know what happens there.

940
00:43:05,520 --> 00:43:08,000
Speaker 1: Can we please have an update anyway? I feel like

941
00:43:08,520 --> 00:43:11,680
Speaker 1: that is all we've got time for today. A little

942
00:43:11,680 --> 00:43:15,600
Speaker 1: bit spicy, a little bit petty, but that's okay because,

943
00:43:15,680 --> 00:43:21,000
Speaker 1: like money, conversations should be fun as well as sometimes confrontational.

944
00:43:21,960 --> 00:43:24,520
Speaker 1: So have the best weekend. I have a fun episode

945
00:43:24,600 --> 00:43:26,920
Speaker 1: another solo coming for you tomorrow, and then we're going

946
00:43:26,960 --> 00:43:28,920
Speaker 1: to see you bright early for a money diary on Monday.

947
00:43:29,000 --> 00:43:30,560
Speaker 1: So have the best weekend, Guys.

948
00:43:30,520 --> 00:43:31,359
Speaker 5: By Guys by.

949
00:43:37,840 --> 00:43:40,360
Speaker 8: The advice shared on She's on the Money is general

950
00:43:40,400 --> 00:43:44,239
Speaker 8: in nature and does not consider your individual circumstances. She's

951
00:43:44,320 --> 00:43:47,720
Speaker 8: on the Money exists purely for educational purposes and should

952
00:43:47,800 --> 00:43:50,960
Speaker 8: not be relied upon to make an investment or financial decision.

953
00:43:51,360 --> 00:43:53,799
Speaker 8: If you do choose to buy a financial product, read

954
00:43:53,840 --> 00:43:57,920
Speaker 8: the PDS TMD and obtain appropriate financial advice tailored towards

955
00:43:58,000 --> 00:44:01,279
Speaker 8: your needs. Victoria divine and she's on the money. Are

956
00:44:01,360 --> 00:44:04,719
Speaker 8: authorized representatives of money sherper P T y L T

957
00:44:04,880 --> 00:44:07,600
Speaker 8: D A b N three two one six four nine

958
00:44:07,760 --> 00:44:10,680
Speaker 8: two seven seven zero eight a F s L four

959
00:44:10,760 --> 00:44:12,239
Speaker 8: five one two eight nine