Speaker 1: Hello.
Speaker 2: My name is Santasha Nabananga Bamblet. I'm a proud Order
Speaker 2: Order Kerney Whoalbury and a waddery woman. And before we
Speaker 2: get started on She's on the Money podcast, I would
Speaker 2: like to acknowledge the traditional custodians of the land of
Speaker 2: which this podcast is recorded on a wondery country, acknowledging
Speaker 2: the elders, the ancestors and the next generation coming through
Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and
Speaker 2: the storytelling of you to make a difference for today
Speaker 2: and lasting impact for tomorrow. Let's get into it.
Speaker 3: She's on the Money. She's on the Money.
Speaker 1: Hello and welcome to She's on the Money podcast that
Speaker 1: makes personal finance feel a little less daunting and a
Speaker 1: lot more doable. Today, my friends, it is Friday, which
Speaker 1: means it's time to get our little team together and
Speaker 1: celebrate you the ingredible she is on the Money community.
Speaker 1: Today is discoured. She is going to be sharing her
Speaker 1: favorite money wins from the community. Beck has a few
Speaker 1: Brooke tips that I'm excited to hear about. She hasn't
Speaker 1: let any cat out of the bag yet, so we
Speaker 1: don't know where they're coming from. We don't know how
Speaker 1: rogue they're going to be. We don't know if we
Speaker 1: have to edit them out because of legalities, but but
Speaker 1: we're here for it. We're going to be talking this
Speaker 1: week about how to be smart with a payout that
Speaker 1: you receive, and we're going to be unpacking something that
Speaker 1: you slid into our DMS about this week, we're chatting
Speaker 1: about how to handle a friend who asks to be
Speaker 1: reimbursed for something that they got for free.
Speaker 4: Ooh, that's interesting.
Speaker 1: I can't wait to read that one out. But before
Speaker 1: we get there, it's just creachy.
Speaker 5: Yes, how was your week? Let's start happy spring? I
Speaker 5: feel like day one September. First, I was like, we
Speaker 5: must spring clean everything.
Speaker 1: And then you came wearing black for the first time
Speaker 1: I've seen all.
Speaker 4: Literally I know that in your spring clean.
Speaker 5: I literally did, I haven't.
Speaker 1: Worn this it like yeah, and it was cute, so
Speaker 1: I know where you put it on.
Speaker 4: Thank you.
Speaker 5: And because it's cold, it's spring, but it's cold. It
Speaker 5: hailed at our house this week.
Speaker 1: It looks like.
Speaker 5: Crazy.
Speaker 1: I had all of the pets basically on my head,
Speaker 1: like when it was really windy, I like woke up
Speaker 1: in the middle of the night because there was a
Speaker 1: dog climbing over my chest, and then when I looked around,
Speaker 1: I realized that on either side of my head I
Speaker 1: had a cat, and then the dog was trying to
Speaker 1: lay on top of me, and I was like, what
Speaker 1: is personal space?
Speaker 5: She doesn't exist.
Speaker 4: It was scary, though, I told were they scared?
Speaker 1: They weren't like shaking scared, but they were definitely concerned
Speaker 1: and like, Mum, help us, help us. Yeah, and both
Speaker 1: of those cats they're not outside cats, they're only the inside.
Speaker 1: So I'm like, what are you worried about. Nothing's ever happened.
Speaker 1: No one's going to put you outside.
Speaker 5: Yeah, you're fine, don't even stress totally.
Speaker 1: And then Lucy's being a little princess because it's been
Speaker 1: raining so much over the last few weeks. She refuses
Speaker 1: to go outside. So when you're like you need to
Speaker 1: go to the bathroom, dog, she's like, oh, no, thank you,
Speaker 1: I'd prefer to get a uti. That's all good, that's
Speaker 1: so good, And you're just like, go outside. So I'm
Speaker 1: literally picking up this loaf of a dog, carrying her
Speaker 1: up the backsteps, putting her on the grass where she
Speaker 1: looks at me like I'm trying to murder her and
Speaker 1: being like go to the bathroom and she's like a
Speaker 1: quick quick and then runs inside. It's an experience.
Speaker 4: We're scary out there.
Speaker 1: But I mean, Jess said the other day, she's like
Speaker 1: I would do that if I was I'm.
Speaker 5: Not going I'd be like I heard think, So the
Speaker 5: bath bat's looking pretty good to me.
Speaker 1: Right, don't tell Lucy she's a dog. She's not aware.
Speaker 1: She's not aware. Beck, what have you been up to
Speaker 1: this week?
Speaker 4: I also was really scared about that win. That was
Speaker 4: really weird because my share house is like like literally
Speaker 4: the front wall that is because it's like two story
Speaker 4: that there's like a room upstairs and then downstairs is
Speaker 4: like the you know, the front entrance, and that wall
Speaker 4: does not really attached to the rest of the house.
Speaker 4: So it's like what it's like any second hour, this
Speaker 4: is the front of the house is gonna be away,
Speaker 4: and which is fine, Like we love it there, so
Speaker 4: we'll take it. We'll take a house as no front
Speaker 4: whole wall.
Speaker 1: You have known for not complaining, not not missing. You'd
Speaker 1: be like, damn, I really didn't want this to happen. Yes,
Speaker 1: this is our situation, no more, no.
Speaker 4: Stress, But do you mind if we get a wall on,
Speaker 4: but we're no bother.
Speaker 1: But yeah, I was really popping out and just getting
Speaker 1: a tarp and fixed it.
Speaker 5: It's all good, beautiful open concept front of the front.
Speaker 4: House, beautiful art dacer. I don't know if you've seen
Speaker 4: my window right now, because my window was broken months ago,
Speaker 4: but it's it's just duct taped, and I duck tape everything.
Speaker 4: It absolutely does and there's no water penetrating that duct tape.
Speaker 4: So but you's fixed because so exactly now, it's been
Speaker 4: really a really lovely week, really chill. I kind of
Speaker 4: do nothing, So that's me. I love that being nice.
Speaker 1: You sometimes need weeks like that. Yeah, well, I'm hoping
Speaker 1: that your broke tips are a little bit more exciting
Speaker 1: than the week that you've had.
Speaker 4: Then, well, thank you so much. I think they might
Speaker 4: not be. But what did you How was your week?
Speaker 5: Oh?
Speaker 1: My week was great. I had pets all over my head.
Speaker 1: I have been working my life away. We have a
Speaker 1: master class coming out. She has just been announced that
Speaker 1: the Investing master Class is going live very soon. The
Speaker 1: wait list has just opened for that, and I'm just
Speaker 1: I feel like this month is like my month. It's
Speaker 1: like everything we've been working towards for the last twelve months.
Speaker 1: Like in the background, we've been building this platform and
Speaker 1: like trying to make it absolutely everything we want it
Speaker 1: to be more. And now I'm like a little bit
Speaker 1: scared because like everyone's going to have access to it,
Speaker 1: you know. So that's been really fun?
Speaker 4: How exciting? Yeah you start fun?
Speaker 1: I'm so scared. But that is okay. I mean the
Speaker 1: whole team. I feel like so many people message me,
Speaker 1: and they have been messaging me while I have been
Speaker 1: posting about this, like thee when do you stop? I'm like,
Speaker 1: I'm sorry, when does my team stop? Because like that
Speaker 1: wasn't me, friend, Like I didn't do all of this,
Speaker 1: Like thank god they're here, because otherwise it just never
Speaker 1: would have gotten out the door. That's why I've been
Speaker 1: talking about it for three years and saying it's coming,
Speaker 1: it's coming, it's coming. It's finally here.
Speaker 4: Finally, it's finally here.
Speaker 1: And the team, Jess is gonna laugh at this. The
Speaker 1: team have not let me talk about it or say
Speaker 1: anything online about it until we had every video recorded,
Speaker 1: every piece of content uploaded, because they're like the you've
Speaker 1: promised this for so long, no more promising until there's
Speaker 1: an actual product that we can get out the door
Speaker 1: without having you as a hurdle. And I get that,
Speaker 1: I get that she's been a long time coming.
Speaker 5: I'm very exciting. So I'm sure there's a lot of
Speaker 5: people out there who are humped.
Speaker 1: I hope so, because like I feel like I'm pumped,
Speaker 1: I cannot wait to dive in. So let's move on
Speaker 1: because I want to go to the Money Wins. But
Speaker 1: before we get there, all of the information for the
Speaker 1: Investing Masterclass is going to be in the show notes.
Speaker 1: So go there, join our weight list because obviously if
Speaker 1: you're on the wait list, there is a special surprise
Speaker 1: that will end up in your inbox once it launches,
Speaker 1: and you're only going to get it if you're there,
Speaker 1: So go and join the wait list. I can't wait
Speaker 1: for you guys to dive in. But speaking about things,
Speaker 1: I can't wait for Miss jessic Ricci, what happened in
Speaker 1: the Facebook group this week? What money Wins and confessions
Speaker 1: A you're bringing to the table. I've got some good
Speaker 1: ones this.
Speaker 5: Week, and I will say we had a lot of
Speaker 5: pet wins with plenty of pet tax being paid. So
Speaker 5: go have a look at a thread because I love
Speaker 5: this of cute photos in there.
Speaker 1: This week, I feel like, because we talk about the
Speaker 1: pet tax being necessary, people go, I have pet tax
Speaker 1: already on my phone. I'm going to go drop it
Speaker 1: in the thread. You are my people.
Speaker 5: So lots of fun this week. I'm going to start
Speaker 5: off with a money win from Melissa, who said she
Speaker 5: bit the bullet and she asked for a pay rise.
Speaker 5: Was really really nerve racking, but she ended up with
Speaker 5: twenty thousands dollars extra. She never would have had it
Speaker 5: if she didn't ask.
Speaker 4: Great, But now now I'm thinking, like, how long do
Speaker 4: they knowingly underpay her for?
Speaker 5: There is that?
Speaker 4: Yeah, but anyway, that's.
Speaker 1: Not what her frame it. If we asked Melissa, was
Speaker 1: the scaries worth it, She's gonna be like, yes, absolutely,
Speaker 1: it was worth twenty grand completely. But would you ask
Speaker 1: someone a really awkward question for twenty grand? I would
Speaker 1: depend I'd do it for much.
Speaker 5: Next, I've got a money win from Miya, who said
Speaker 5: her top tip is to buy Father's Day gifts from
Speaker 5: overseas when they're fifty percent off. She also recommends doing
Speaker 5: this seasonally for clothes. She said specifically from America because
Speaker 5: obviously they go really hard for their holidays, and you know,
Speaker 5: they just have a lot of extra stuff, so it's
Speaker 5: really easy and affordable for her to get it discounted.
Speaker 5: And so many sites hip here now.
Speaker 1: So I love that. My Father's Day gift to Steve
Speaker 1: was that I made him a father.
Speaker 5: So you welcome, Happy father.
Speaker 1: Sign the gift, like you are welcome. Are you meant
Speaker 1: to celebrate me on Father's Day?
Speaker 5: No?
Speaker 4: Okay, No, arguably the hardest and most impressive gift. Like,
Speaker 4: I don't know. I just think that literally growing a
Speaker 4: human is probably the best gift you could nige.
Speaker 1: You know what. I did celebrate Steve because like, I
Speaker 1: feel like it takes a very special person to be
Speaker 1: like a good dad, And like I don't know, also
Speaker 1: about celebrating me, I picked that, you know, I picked him.
Speaker 1: I was like, I picked you to be the dad
Speaker 1: of my kids. This day's about me. I'm a genius.
Speaker 5: Everybody does well in that situation. Next, I've got a
Speaker 5: money in from Lizzie who said this is the first
Speaker 5: fortnight where she hasn't had to dip into one of
Speaker 5: her accounts. She's finally got her cash flow organized and
Speaker 5: she knows on her average what she's spending each pacycle,
Speaker 5: so now she can plan accordingly.
Speaker 1: I love that so much.
Speaker 5: Such a good win and a good reminder to review
Speaker 5: everything if you haven't already done that recently. Next, I've
Speaker 5: got a money win from Jessica. This one's for years back,
Speaker 5: great name. She was at her local NQR, which is
Speaker 5: we mentioned it last week on the show, at chain
Speaker 5: in Victoria selling not quite right products, and she found
Speaker 5: a six pack of mini Tonic waters on sale for
Speaker 5: a dollar. She's since returned the cans for the ten
Speaker 5: cent refund at the recycling depot, so she effectively paid
Speaker 5: forty cents for six candle drink.
Speaker 4: How good is down queen?
Speaker 1: Also, those tiny bottles of tonic are so expensive.
Speaker 5: Crazy A dollar for six is amazing and very very
Speaker 5: smart to then return those cans.
Speaker 4: Yes, smart, if you got like a twenty four pack
Speaker 4: of something you could even be making money doing potentially.
Speaker 1: Yeah, it's like saving stacking. Like I'm just so excited
Speaker 1: about it. It's like we're all talking about the other
Speaker 1: day on the podcast where someone bought a gift card
Speaker 1: for their like fuel and then also got points, and
Speaker 1: I was just like you are smart.
Speaker 5: So clever, extreme couponing basically. Next, I've got money in
Speaker 5: from Molly, who said a local bookstore in her area
Speaker 5: was closing down and dumping a ton of high quality
Speaker 5: books into skips and dumpsters. She spent most of her
Speaker 5: weekends salvaging them before the rain and all the rubbish
Speaker 5: being collected, and she now has thousands of beautiful books.
Speaker 5: She said. The best party is she recently opened a small,
Speaker 5: preloved bookstore a few months ago.
Speaker 1: No, she didn't help perfect so.
Speaker 5: She can now triple the size of the store. And
Speaker 5: she did say I doubt I'll ever get this lucky
Speaker 5: ever again.
Speaker 1: That is all so perfectly timed. That's the universe.
Speaker 5: I reckon the universe providing. But also I've been getting
Speaker 5: a lot of tiktoks of stores dumping product and I
Speaker 5: just want to.
Speaker 4: Say, why do we do that?
Speaker 5: Like literally, they'll take perfectly good things and throw them
Speaker 5: out because maybe they were returns or you know, they're
Speaker 5: out of season or whatever, and they just like they
Speaker 5: have to destroy them. I think they ruins, like when
Speaker 5: you could donate them, like share the dignity.
Speaker 1: Well, they put together these handbags and I'm telling you, right,
Speaker 1: now and if it's not like an essential, like it's
Speaker 1: a hand cream or like some makeup or something, as
Speaker 1: long as it's not used, Like yeah, those would be
Speaker 1: perfect for them to be. Like I don't know, I
Speaker 1: feel like the share of the dignity bags. One of
Speaker 1: my favorite things about them is like they obviously give
Speaker 1: women back and people back their dignity in times that
Speaker 1: they're experiencing challenge and having like a nice little piece
Speaker 1: of makeup or like some little special treat in there.
Speaker 1: That's beyond like making sure you have the essentials, Like
Speaker 1: why can't companies just partner and not throw good product out?
Speaker 1: Like it frustrates me beyond belief.
Speaker 5: Like the video I saw specifically, I remember there was
Speaker 5: like hair tools and they'd cut the cords and stuff,
Speaker 5: and I was like, I get that maybe you couldn't
Speaker 5: donate something if it was returned and opened, because as
Speaker 5: you were saying, like tool, but could you not just
Speaker 5: donate it or put it in a box out the
Speaker 5: front somewhere just like a freeze sign on it and
Speaker 5: let people if you want to peepally, It just is
Speaker 5: crazy to me that you would throw it out like.
Speaker 1: You no, even if you donate it, Like I know,
Speaker 1: if you donate to the Salvos and Electronic good they
Speaker 1: will test it, like they safety test it before they
Speaker 1: sell it, So like that's not on you, And like
Speaker 1: I get that probably like Sephora doesn't want to have
Speaker 1: like a free box out the front, but surely you
Speaker 1: could do a sneaky you know, making sure it goes
Speaker 1: somewhere else, Like yes, you've posted on your TikTok a
Speaker 1: number of times like go to this charity shop because
Speaker 1: there's heaps of dish stuff and you just know that
Speaker 1: like in the background Dish has been like, hey, this
Speaker 1: is old stock or old product that we can't sell,
Speaker 1: but they're not destroying it. They're sending it to a
Speaker 1: second hand store, which I know some brands might see
Speaker 1: is like oh but at Devalues, No, no, no, I
Speaker 1: am more likely to purchase from you because I know
Speaker 1: that you're not taking the mickey and slashing stuff up
Speaker 1: just because you don't want it to be at a
Speaker 1: charity shop.
Speaker 4: Like absolutely, I'm gonna spend thousands of dollars in a
Speaker 4: place that I know is actually given back to the community.
Speaker 1: That actually has good ethics.
Speaker 4: Have I talked about good and fuggly before, No, what's
Speaker 4: good in fuggly. It's like a frin bed company that
Speaker 4: kind of like sell all the ugly fruits that no
Speaker 4: one wants to buy. That's so cute.
Speaker 5: Yeah, that's it for me this week.
Speaker 4: That's your mind.
Speaker 1: If I absolutely turned so good and fuggly, that's just
Speaker 1: like a little bones.
Speaker 4: Yeah, that's true. Actually, it's not really a broke tip,
Speaker 4: because although they are doing really good stuff for the
Speaker 4: environment and the planet, it's probably on par with.
Speaker 1: Are you saying I have to pay the same as
Speaker 1: normal carrots? Possibly you don't know what I would do it.
Speaker 4: Yeah, because they're they're all the same, and you often
Speaker 4: get like more carrot for your carrot because you got
Speaker 4: like a little weird growth on the carrot.
Speaker 1: I like it Picasso.
Speaker 4: So maybe that is a broke tip.
Speaker 1: My mum grew carrots actually complete side note, and they
Speaker 1: looked really fancy, like up the top, like heaps of
Speaker 1: like carrot top, right, and so they pull them out,
Speaker 1: and honestly, the carrots were real fat, and so like
Speaker 1: you think, as you're going to pull them out, like
Speaker 1: the top is like you know, indicative of a good carrot.
Speaker 1: I'm thinking like this is going to be and then
Speaker 1: there were like two or three centimeters, so their dog,
Speaker 1: Sunday used them as a dog toy.
Speaker 4: Like did they come to a point still or is
Speaker 4: it too like?
Speaker 1: No, no, no, it was just I think the word
Speaker 1: here that I'm thinking of is probably really inappropriate, but
Speaker 1: like very fitting. It was very chody, I understand. I
Speaker 1: was like, no one wants those carrots, and so the
Speaker 1: dog was very excited to get a little treaty treat
Speaker 1: What are your broke tips for today? Back?
Speaker 4: Okay, So this one comes from Taylor, who's prepping for
Speaker 4: a bodybuilding in competition. All go you. It's very actually
Speaker 4: hard to do. I was listening to a podcast about
Speaker 4: this and it's it's just like the most intense diet
Speaker 4: and exercise program anyway. Great.
Speaker 1: I like how bodybuilding has made it to the broke tips,
Speaker 1: very related.
Speaker 4: I love this or going Basically, Taylor says that they
Speaker 4: put water in their yoga, which I know it doesn't
Speaker 4: sound great, but because it's already quite like thick and creamy,
Speaker 4: and you probably could get away with adding water to it,
Speaker 4: and it extends it. It keeps you full. It's quite feeling,
Speaker 4: and it does not even taste that bad, so I
Speaker 4: would recommend it has no taste. Water has no taste,
Speaker 4: and you can add things to add more taste. But
Speaker 4: basically it's probably a good way to just like keep
Speaker 4: your yoga lasting long because it's actually quite expensive these days.
Speaker 1: Yoga is insane. Yoga luxury item. You know what's more
Speaker 1: of a luxury item? Kids yogurts. I love a kids.
Speaker 1: You're like, why are they so expensive? And in the
Speaker 1: teeny tiny pouches like Harvey's not on them yet. I
Speaker 1: just see my nieces and nephews get them, and I'm thinking,
Speaker 1: I'm never going to financially recover from this like that,
Speaker 1: and their consumption of berries in off season.
Speaker 4: Insane when I get them burried from.
Speaker 1: I don't know their parents who pay seven dollars upon.
Speaker 4: It checks out.
Speaker 1: Our producer is shaking her head because she has two
Speaker 1: tiny humans, and I think she knows this all too well.
Speaker 4: Sexcellon comes from one of my friends. She said that,
Speaker 4: so right now, there's like a hard rubbish collection. I
Speaker 4: feel like I've probably maybe mentioned some variation of hard
Speaker 4: rubbish before, but I really recommend like googling where the
Speaker 4: council hard rubbishes are in your state or city and
Speaker 4: just like making a day out of it, Like we've
Speaker 4: got a hallway table. Someone got a lounge, you can
Speaker 4: get a fair way table.
Speaker 1: I love that. That's something that when I lived in
Speaker 1: a sharehouse. You're not getting me to spend money on that.
Speaker 1: Absolutely not absolutely not like no way, but like would
Speaker 1: it be really handy for keys and just dumping something? Yeah, exactly,
Speaker 1: I want that, but I don't want to pay for that.
Speaker 4: I think hallway table. And also you know there's like
Speaker 4: toilet brushes. I don't think i've.
Speaker 1: Ever Please tell me, I have no doubt that you'd
Speaker 1: be like, that is good rush.
Speaker 5: That's not a hard rubbish.
Speaker 4: Rush.
Speaker 1: That should have gone straight in the beginning. If anyone's
Speaker 1: put that out for hard rubbish, I can't. I can't
Speaker 1: loud enough to be.
Speaker 5: Put out for hard rubbish. You know that that brushes
Speaker 5: seems quietly really shit.
Speaker 4: That's how you know it works. And that's no but
Speaker 4: basically just.
Speaker 1: Tried and true. Yes, a brand new one from the
Speaker 1: supermarket that's not been tested.
Speaker 4: You could tell it was tested, so I took it
Speaker 4: home with me. No, just kidding, I was only what
Speaker 4: I meant to say was, those are two things that
Speaker 4: I've never I don't think anyone in the world. I've
Speaker 4: never seen anyone buy these items, but they just always
Speaker 4: exist somehow in your space. I can almost guarantee that
Speaker 4: both Jess and I have both been the people in
Speaker 4: the sharehouse that buy the toilet.
Speaker 5: That okay, because friend, oh the magic Fairy came the toilet.
Speaker 4: My library is always done. That's not equal distribution.
Speaker 1: I remember a housemate one time, and this is the
Speaker 1: same housemate that the Infamous Housemates Yea borrowed my underwing
Speaker 1: so wild. I remember her looking at me one time
Speaker 1: when we were in the kitchen frustrated and I was like, oh,
Speaker 1: you're all right, and she's like, we're out of olive oil.
Speaker 1: And I was like, we you mean my shelf in
Speaker 1: the pan trees olive oil is empty. And she just
Speaker 1: was so pressed that the apparently communal olive oil that
Speaker 1: I did not know about was communal was empty. And
Speaker 1: I was like, yeah, like have you run out of it?
Speaker 1: Like you can borrow mine, and she's like, no, the
Speaker 1: olive oil is empty, and I'm like, no, there's not
Speaker 1: a the olive oil my olive oil and then there
Speaker 1: should be your olive oil. And at the time, like
Speaker 1: olive oil was expensive, Like I remember it was like
Speaker 1: eight bucks a bottle, and like that was a lot.
Speaker 1: Do you know how much olive oil is now? I
Speaker 1: only fell off my tree when I paid twenty three
Speaker 1: dollars for a bottle of olive oil the other day,
Speaker 1: and I was like, yeah, and this is just like
Speaker 1: the stock standard olive oil. Like anyway, I could go
Speaker 1: on a round, But olive oil not a broke tip.
Speaker 4: No, absolutely not. If you can hold it with one
Speaker 4: hand comfortably, you should not be paying twenty three dollars.
Speaker 1: Yeah, exactly. If it doesn't have a handle.
Speaker 4: On t with a little three little figure.
Speaker 1: Anyway, I cannot We're not buying that to olive oil anymore.
Speaker 4: I'm so sorry really, but anyway, the whole table back
Speaker 4: to my broke tip, my personal one. There's what just
Speaker 4: happened upon on TikTok. It's called Nielsen i Q. It's
Speaker 4: an app. I downloaded it because it said on the
Speaker 4: TikTok that you can scan your groceries to get vouchers.
Speaker 4: I'm assuming that, yeah, immediately got me. But then basically
Speaker 4: you have to go in you have to fill out
Speaker 4: like a survey just to see your their target market,
Speaker 4: and then if you are, then you get the opportunity
Speaker 4: to scan your groceries for vouchers. So I was not
Speaker 4: target even though that's not fair, it's not and I
Speaker 4: feel like I'm very I think I might have to
Speaker 4: change who I am. But I would recommend to anyone
Speaker 4: who's listening, try just download it see if you could
Speaker 4: possibly be you know who they're looking for, and you
Speaker 4: might just score yourself some vouchers. I don't know what
Speaker 4: these vouches before. I didn't get that far, but I
Speaker 4: just knew the vouchers are present.
Speaker 1: I like that. I will do some further investigating. When
Speaker 1: you said I'm not the average person, do you genuinely
Speaker 1: believe that the average person would take a toilet brush
Speaker 1: from hard rawish?
Speaker 4: Who?
Speaker 1: I think?
Speaker 6: So?
Speaker 1: Is that the line?
Speaker 5: It takes all types. Baby.
Speaker 4: They didn't ask me that.
Speaker 1: They were like, would you take yeah, and they were
Speaker 1: like that was what excluded. Yeah, that's what got you
Speaker 1: kicked out.
Speaker 4: Okay, Well that makes sense.
Speaker 1: All right, I love it. Picasso. Let's go to a
Speaker 1: really quick break on the flip side. We're going to
Speaker 1: be talking about a juicy money dilemma about how to
Speaker 1: be smart with a payout that you receive. But then
Speaker 1: we get to have a chat about a spicier topic,
Speaker 1: something you slid into our dms about this week about
Speaker 1: how to handle a friend who asked to be reimbursed
Speaker 1: for something that they got for free.
Speaker 5: Crazy.
Speaker 1: I can't wait.
Speaker 5: Welcome back, everybody. Let's take a listen to this week's
Speaker 5: money telemma.
Speaker 7: Hi, there, have you got a money dilemma you just
Speaker 7: can't solve? The Sheese on the Money Team is here
Speaker 7: to help. Every week, we tackle your dilemmas, both big
Speaker 7: and small, to answer your most burning money, career and
Speaker 7: life questions. To get involved, simply head to our website
Speaker 7: and leave us a short voice recording and you might
Speaker 7: just find yourself on the show. Now, let's take a
Speaker 7: listen to this week's money dilemma.
Speaker 6: Hi, ladies, my fiance and I have recently been paid
Speaker 6: out a sixty thousand dollars insurance settlement and we're wondering
Speaker 6: what is the best thing to do with this money.
Speaker 6: We currently have no debt other than our mortgage, which
Speaker 6: is the house that we live in. We don't have
Speaker 6: any money invested in stocks or property. So we're wondering
Speaker 6: if we should whack this money on our home loan
Speaker 6: invest or use it as a nest egg for when
Speaker 6: we decide to have our first baby.
Speaker 4: Thanks.
Speaker 1: This is an interesting one because even though you own
Speaker 1: your own house and you said that you don't have
Speaker 1: any investments, do you have an emergency fund? My friend?
Speaker 1: What does that look like? What are your savings accounts
Speaker 1: looking I just have a lot of questions.
Speaker 5: Yeah, I don't reminder that we can't provide your personal advice,
Speaker 5: so this is just a general chat. We can't tell you.
Speaker 1: Yeah, no we can't, But I do want to know
Speaker 1: if you came into sixty grand, what are you doing
Speaker 1: with it.
Speaker 4: My situation is very different, but I would obviously.
Speaker 1: Like, well, you don't have to disclaim with that. We
Speaker 1: already knew you were the type of girl who gets
Speaker 1: toilet brush from out rubbishes.
Speaker 4: And I would be using that money to buy possibly more.
Speaker 4: But I think I would definitely treat myself. I reckon,
Speaker 4: I'd put like ten towards treating myself and going on
Speaker 4: a holiday and treating my friends and go to the pub,
Speaker 4: you know, doing all these things, and then I'd like ten.
Speaker 1: She's like, and treating my friends like you're just so
Speaker 1: happy to look after everybody else.
Speaker 4: Oh that's so sweet, and you know it's the most
Speaker 4: of the joy comes from the people you surround yourself with.
Speaker 4: So if I'm just living my best life but no
Speaker 4: one else is not happy, I probably put ten k
Speaker 4: in savings, ten k in investing. So do you think
Speaker 4: that's good?
Speaker 5: Anyway?
Speaker 1: This is not me. This is about what you would do.
Speaker 4: Ten k in fixing my car and getting myself things
Speaker 4: that I like. You know, I probably should now I
Speaker 4: should be better with my money, but I still haven't, like,
Speaker 4: you know, gotten a really good quality like maybe just
Speaker 4: buy a whole new car because it is so bad.
Speaker 1: But you could with that amount, I could, absolutely could.
Speaker 4: So just fix up little things like get a whole
Speaker 4: new wardrobe, get like really good bed sheets, you know,
Speaker 4: things like that, and then the rest, you know what,
Speaker 4: I'd probably treat myself. Honestly, I think I probably would.
Speaker 1: Treat spending sixty grand on herself. I love it. Let's
Speaker 1: flip the table, though. On the other side of the
Speaker 1: table is sitting Mistress Creechy. If you came into sixty
Speaker 1: grand to day, what are you doing with it?
Speaker 5: Team boring over here with David, were ten grand into
Speaker 5: my emergency fund because one of my goals that I'm
Speaker 5: working on right now is increasing one of my goals
Speaker 5: is to increase my emergency funds. The ten around were
Speaker 5: kind of white. What I wanted to do, I would
Speaker 5: I'd probably split the difference, then invest half and put
Speaker 5: half in my house deposit, and that would be it.
Speaker 5: Like I would just literally in one hand out the
Speaker 5: other to goals and stuff.
Speaker 1: Basically, are you spoiling yourself? Probably not really.
Speaker 4: You wouln't even get uber it. What's one nut? I mean,
Speaker 4: you know what.
Speaker 5: I was already in a budget, so I got actually
Speaker 5: not quite close, but I got four grand back on
Speaker 5: my tax I said this last week must be nice, honestly,
Speaker 5: as I thought I was gonna earn money. But I
Speaker 5: did buy myself a tax time treat. I bought a projector.
Speaker 5: So I feel like I would do something like that.
Speaker 5: I would die okay if yeah, yeah, but nothing crazy.
Speaker 1: But I love this because I asked you back and
Speaker 1: then I asked you yes, and they were wildly different.
Speaker 1: So what is the best thing to do with a settlement?
Speaker 1: Is actually really subjective and what you do with it
Speaker 1: is completely up to you. And that's not why you
Speaker 1: wrote in you've got a mortgage, what I would be
Speaker 1: doing if you want to get the best bang for
Speaker 1: your buck, like you've got sixty grand, do some maths,
Speaker 1: like obviously, put your values over the top of this.
Speaker 1: And we've just seen a really good example of what
Speaker 1: values look like in different human beings. And I can't
Speaker 1: tell you what yours are. But if you're looking for
Speaker 1: advice on like financially, what's the best decision, do some maths.
Speaker 1: What does sixty thousand dollars in the share market look
Speaker 1: like in thirty years? What does it look like in
Speaker 1: your superannuation? What does it look like sitting in your
Speaker 1: offset account against your mortgage. Obviously you've got some plans
Speaker 1: that you gave us a little bit of an insight into,
Speaker 1: like is it for a future baby? What is a
Speaker 1: future baby going to cost you? We have a heap
Speaker 1: of episodes around how to budget for your first baby
Speaker 1: and what that looks like. So dividing it up based
Speaker 1: on your values is probably what's going to happen. But
Speaker 1: when it comes to making the most of it from
Speaker 1: a financial perspective, like, have a look at the res
Speaker 1: that are in the share market, have a look at
Speaker 1: what it's going to mean for your mortgage. Sixty grand
Speaker 1: on a mortgage is definitely going to cut down the
Speaker 1: amount of time that you're paying off your mortgage for.
Speaker 1: But then also remember if you're putting it into your
Speaker 1: offset account, you still have access to that, so it
Speaker 1: cuts down how much interest you're paying today. But then
Speaker 1: maybe when you have a baby in the future you
Speaker 1: could use some of that as your nest egg. So
Speaker 1: even if it's going to become a nest egg, I
Speaker 1: want it to be a productive nestig, right, Like, don't
Speaker 1: put it in a savings account where you're not getting
Speaker 1: any interest. But also this is a probably spicy topic.
Speaker 1: If you have a mortgage and a savings account, please
Speaker 1: don't forget that inside your savings account, if you're earning
Speaker 1: any interest, any interest, you're going to have to pay
Speaker 1: tax on. That is money that you have earned, and
Speaker 1: so when you earn money here in Australia, you have
Speaker 1: to pay tax on it. However, if you then had
Speaker 1: it in an offset account and instead of earning you
Speaker 1: interest is cutting down how much interest you're paying that
Speaker 1: could be financially better for you than a savings account
Speaker 1: where you're like, but I'm earning money, Bee, Yes, but
Speaker 1: you're not paying money, and arguably because you don't have
Speaker 1: to pay any tax on it, you're saving more. So
Speaker 1: do the mass between the two. But always remember that
Speaker 1: you will be paying your marginal tax rate on any
Speaker 1: money that you earn inside that savings accounts. So even
Speaker 1: though it's really sexy and it might be like seven
Speaker 1: percent or something and your mortgage is lower, maybe it's
Speaker 1: more cost effective or financially beneficial to be against your
Speaker 1: lower mortgage because there's no tax element.
Speaker 5: I also just out of curiosity to get an insurance payout.
Speaker 5: Normally the money is needed for something like it or
Speaker 5: I got in an accident or I had a loss
Speaker 5: of income. So if sixty grand is your total payout,
Speaker 5: does it need to cover something? Because I would focus
Speaker 5: on covering that.
Speaker 1: Yeah, and one percent.
Speaker 5: And I mean, sometimes you're lucky and your insurance is
Speaker 5: a set up really well and you get more more
Speaker 5: than you need, and that's love that for you. But
Speaker 5: like I would, assumably some part of that money has
Speaker 5: to go towards whatever the payout was meant to be for.
Speaker 1: Yeah, and also remembering yet that often within insurance, if
Speaker 1: you get a payout, it might stop you from getting
Speaker 1: a future payout. So I know that some insurances might go, Okay, Beck,
Speaker 1: we're going to pay you out for this, but in
Speaker 1: the future, like your policy now has an exclusion for
Speaker 1: that particular cause. And this is why it's so important
Speaker 1: to get good insurance advice, to know what it covers
Speaker 1: what it doesn't cover, Because I know that if I
Speaker 1: get an insurance payout from my personal insurances, I won't
Speaker 1: have exclusions because I have set it up and if
Speaker 1: you want to go check out sky Wealth will put
Speaker 1: their link in these show notes. But like if I
Speaker 1: suffer a personal traumatic event, I know I'll get paid
Speaker 1: out for it, but depending on what it is, I
Speaker 1: might get an exclusion for it or I might not.
Speaker 1: So like a heart attack for example, in my personal situation,
Speaker 1: if I have that event happened to me and I recover, fine,
Speaker 1: I'll get a payout, but I can get a future
Speaker 1: one right as well.
Speaker 4: You're maybe suggesting that they sit on this.
Speaker 1: They maybe save it in case something else happens. To
Speaker 1: Justsic's point, the insurance payout is usually for something unless
Speaker 1: it was like compensation above and beyond covering the cost,
Speaker 1: Like did you crash your car and it's worth sixty
Speaker 1: grand and you actually need a family car? Like, what
Speaker 1: does that look like?
Speaker 4: Goch?
Speaker 1: Is it an insurance payout? Because you know, God forbid
Speaker 1: something happened yesterday and you had a personal injury and
Speaker 1: now you need to modify your bathrooms. Renovations are expensive,
Speaker 1: so it just depends.
Speaker 5: Yes, should get into the juice.
Speaker 1: Oh yeah, you ready?
Speaker 4: Yeah?
Speaker 1: All right, So here's a DM that we got this week. Hey,
Speaker 1: she's on the money. I need some advice on an
Speaker 1: awkward money situation. A friend offered to drive us both
Speaker 1: to the airport for an upcoming trip, and I was
Speaker 1: super thankful since it saved me the hussle of finding
Speaker 1: some transport. But after the trip, they asked me to
Speaker 1: pay them some petrol money. The thing is, I know
Speaker 1: that they get their petrol for free through work. It's
Speaker 1: a perk that they've mentioned time and time again, so
Speaker 1: I was surprised when they asked me to pay. It's
Speaker 1: not like I'm not grateful.
Speaker 3: I am.
Speaker 1: It just feels really weird to be paying for something
Speaker 1: that didn't cost them anything. I don't want to seem stingy,
Speaker 1: but I feel like I should bring this up or
Speaker 1: am I seeing this in the wrong way?
Speaker 5: I mean there are many layers to this, Yes, so
Speaker 5: many layers. I feel so this is a weird rule
Speaker 5: that I have in my head. But so VEDI. If
Speaker 5: I said to you, can you please take me to
Speaker 5: the airport, yeah, I would offer to pay you. But
Speaker 5: if you said to me, I'm going to the airport,
Speaker 5: do you want to come? Like? I would be like, yeah,
Speaker 5: do you.
Speaker 1: Know what I mean?
Speaker 5: Like I don't feel like you. I would be like, oh,
Speaker 5: I'll grab us coffees in the morning or something like.
Speaker 4: Did the person was the person already going to the airport?
Speaker 4: They were like it said they drove both of us.
Speaker 4: I have asked someone to put themselves out. In my mind,
Speaker 4: immediately go.
Speaker 5: I should sweeten the deal and be like, can you
Speaker 5: drive me to the airport. I'll pay you a petrol
Speaker 5: or like I'll buy breakfast or whatever. But if we're
Speaker 5: both already going and you just go, do you want
Speaker 5: to jump in the car?
Speaker 1: I don't know why.
Speaker 5: In my mind that's different. I still would be like, oh, like,
Speaker 5: I'll grab the coffee at the airport, or I'll pick
Speaker 5: up breakfast at Macas on the way through or whatever.
Speaker 5: But in my you're already going.
Speaker 4: I get you, I get you. Is that make me
Speaker 4: a bad person?
Speaker 7: No?
Speaker 1: No, no, not one thing i'd make you.
Speaker 4: I guess I'm wondering, Like, firstly, if I'm offering, I'm
Speaker 4: kind of on the same page as you, but like
Speaker 4: a little slightly different. If I'm offering to take them
Speaker 4: to the airport or they want me to take them
Speaker 4: to the airport, I assume that it's all free, because
Speaker 4: otherwise they would just take a skybus or anything transport anything. Otherwise,
Speaker 4: why would you bother asking for a lift anywhere?
Speaker 5: Like if you offer your being a nice friend, like
Speaker 5: I'm not offering to get something out of it, Like
Speaker 5: I'm just saying you need to lift to the airport,
Speaker 5: Like I wouldn't expect you to pay.
Speaker 1: Yes, I guess it's also like also weird that you're
Speaker 1: asking to be paid after after it's weird, ketch you
Speaker 1: weird pyjs. I can take you to the airport and
Speaker 1: then what you get there, And I'm like cough up,
Speaker 1: like how.
Speaker 5: Yeah, it's giving a foreign country where they're like, can
Speaker 5: I take your suitcases? And you're like, oh, sure, and
Speaker 5: then they're like, that'll be twenty.
Speaker 1: Euro yeah, traveling, and they're like, oh, I can take
Speaker 1: your suitcase up to the room. I look like a
Speaker 1: crazy person. I'm like, don't touch them. I don't know,
Speaker 1: don't touch my bags.
Speaker 4: It's fine, We've got them. Yeah, I guess like I'm
Speaker 4: also wondering, I'm sorry, I just realized that the side
Speaker 4: of my sentence is always the same. But anyway, we
Speaker 4: could maybe assume that they had to park there, and
Speaker 4: maybe that's what they want the money for the in
Speaker 4: which case they shouldn't say that, but yeah, do you
Speaker 4: want to split parking with me or something? Split parking? Sure?
Speaker 4: But I also am thinking, like, do they sorry? I
Speaker 4: didn't mention if they're going in the same.
Speaker 1: Yes, so the message said a friend offered to drive
Speaker 1: us both to the airport for an upcoming trip. Us
Speaker 1: both like, as my friend I offered to drive Jess
Speaker 1: and I to the airport for an upcoming trip, I
Speaker 1: would assume they're both on the same tree. I don't know.
Speaker 4: It's so hard for me to absorb that that.
Speaker 1: Makes it I think that they're both going together. Both
Speaker 1: going to and then I was like, yes, you have
Speaker 1: to pay for the petrol. I'm not paying for the petrol.
Speaker 4: That's line.
Speaker 1: I have to pay for the petrol.
Speaker 8: I haven't even so we haven't even discussed friend for trash,
Speaker 8: which I totally think is fine, but like, do that
Speaker 8: up front, Like if I go, yes, oh, hey, Beck,
Speaker 8: I can drive us to the airport, would you mind
Speaker 8: chipping in ten barks or whatever it is?
Speaker 1: And like, let's be honest, that's a bit of a joke.
Speaker 1: Petrol is not ten bucks anymore. Like I sneeze and
Speaker 1: it's fifty dollars.
Speaker 5: Yay.
Speaker 1: But that's when you have to communicate that, because that's
Speaker 1: giving Beck the option to go no, actually I already
Speaker 1: have a skybus ticket booked. I pre booked it. There
Speaker 1: was like a sale or something, and you've got the
Speaker 1: option of saying no to incurring another expense, like or
Speaker 1: you might be like, oh no, thanks, my mum can
Speaker 1: drop me there, like you might actually have someone who
Speaker 1: can transport you for free, but you I could go
Speaker 1: on and on. I think we're all on the same
Speaker 1: page though.
Speaker 5: But then the yeah, the element of paying when they're
Speaker 5: not paying is very strange. To me, like if anything,
Speaker 5: I'd be go, oh my god, VD, do you want
Speaker 5: to drive as the airport? I don't have to pay petrol,
Speaker 5: it's on work. Yeah, Like yet money with strange to
Speaker 5: me unless maybe they like it would make sense to
Speaker 5: me that petrol's covered within work hours or there's a
Speaker 5: log book method and maybe our list and I doesn't
Speaker 5: realize that, you know, I mean maybe the petrol.
Speaker 1: It's actually weird even if that exists, to go back
Speaker 1: and ask your mate for money after incurring something that
Speaker 1: they probably thought was free.
Speaker 4: Yeah, the whole thing is uncomfort.
Speaker 1: You need to things your expectation us.
Speaker 4: I would maybe ask my friend in this situation. It
Speaker 4: is awkward, but I'd be like, oh did work did
Speaker 4: work want you to cover or did you get like
Speaker 4: be a bit cheeky like or did you get in
Speaker 4: trouble from work or something like that, like petrol.
Speaker 1: You're like, I'm going to dig your grave for you,
Speaker 1: like a shovel.
Speaker 4: Yeah, Like and then they'd be like, oh, that's right.
Speaker 4: I did tell them that work pays for my petrol.
Speaker 4: But like, maybe just make a little cheeky joke and
Speaker 4: be like yeah, just say something like that, like oh,
Speaker 4: did work, get angry that you whatever, and then kind
Speaker 4: of say, you know, I guess it depends on how
Speaker 4: much it is, too, because if it's like ten bucks,
Speaker 4: it's not enough to make a bit of a If it's.
Speaker 1: Super significant, ah, it frustrates me because obviously I think
Speaker 1: that if you're ever gonna ask someone for money, we
Speaker 1: need to be setting clear expectations and not surprising them
Speaker 1: with it. I mean, hopefully because you're going on a holiday,
Speaker 1: you've got some extra budget for transport, because obviously you
Speaker 1: can never predict what's going on on a holiday, and
Speaker 1: maybe that can be part of that budget. Because it's
Speaker 1: going to depend on who your friend is as well,
Speaker 1: because like I know, I've got friends that if I
Speaker 1: pushed back on them if they asked for cash, I'd
Speaker 1: be like, oh weird, like I didn't think it was there,
Speaker 1: and then they'd be like, oh, sorry, I really should
Speaker 1: have chatted you about it. If I had someone else, though,
Speaker 1: like a different friend, it would be really awkward, like
Speaker 1: and it would make the friendship awkward, and I wouldn't
Speaker 1: bring it up. So I feel like read the room
Speaker 1: on it as well, like from a personal perspective, yeah.
Speaker 5: Oh, thing's weird, weird. I like it not one bit.
Speaker 1: We asked the community, and no one's going to be surprised,
Speaker 1: they're exactly like us. We said, should friends expect money
Speaker 1: for favors like giving them a lift? Eighty seven percent
Speaker 1: of you said no, favors.
Speaker 5: Should be free, agree completely.
Speaker 1: Thirteen percent of you said, yep, everyone should be paying
Speaker 1: their own way. Well, that's cool, that's cool. Could you
Speaker 1: just let your mates know that you'll be charging them
Speaker 1: before you charge? That's all we are, that's all we ask, like.
Speaker 1: I don't mind if that's your point of view. Each
Speaker 1: to their own, but you've got to be super transparent
Speaker 1: about that. Yes, you're going to offer a favor and
Speaker 1: then say, but the favor is going to cost you.
Speaker 1: Maybe that's actually not a favor, that's a business. Six.
Speaker 1: We then asked the community, how would you deal with
Speaker 1: a friend who is asking for money and you don't
Speaker 1: feel like it's justified. Fifty nine percent of you your
Speaker 1: she's on the money, girls, We're gonna have an open conversation.
Speaker 4: Good, fair, good, Yes.
Speaker 1: Forty one percent of you said, I'm just going to
Speaker 1: pay to avoid the drama.
Speaker 5: Understand it's the money girl.
Speaker 1: We then said, all right, give us you two cents.
Speaker 1: What do you think about this situation? And as always,
Speaker 1: you had some colorful opinions. First person said, petrol can
Speaker 1: be like an umbrella term for everything related to a
Speaker 1: car's wear and tear in insurance and redro and stuff.
Speaker 1: You've give me to the airport once.
Speaker 5: I don't know that I need to be chipped in
Speaker 5: for Redro just yet.
Speaker 1: You're going to be like, oh, but yes, it's we're
Speaker 1: in tearor on my car, babe, you were driving it
Speaker 1: to the air You're already going Are we talking about
Speaker 1: wear and tear on the passenger seat?
Speaker 4: Maybe they were just like kind of gross, oh.
Speaker 1: Drunk and the car.
Speaker 4: Really sweaty. Maybe they farted one too many times.
Speaker 1: Someone else said does her work cover all her fuel
Speaker 1: costs or just work related travel? And I like, so
Speaker 1: I get that. But if you're going to do your
Speaker 1: friend a favor and offer them something, I think that
Speaker 1: that should be with nothing expected in return. And you
Speaker 1: know I did. Jess is laughing, Beck is laughing.
Speaker 5: I really try to pull it together.
Speaker 1: Pull it together back, because I looked up favor in
Speaker 1: the dictionary and it says that it is an act
Speaker 1: of kindness beyond what is due or usual, with no
Speaker 1: expectation for service in return.
Speaker 4: Oh that's quite literally the definition.
Speaker 1: So I mean, we're meant to do a favor for free.
Speaker 1: But I'm thinking.
Speaker 4: Maybe they like got their toll bill and their parking
Speaker 4: bill and they're like, it's we didn't communicate.
Speaker 1: Any of this.
Speaker 4: They're saying it like it's a normal request. Like doesn't
Speaker 4: seem like they explain anything. But it could be that they're,
Speaker 4: you know, they realize the tolls like so expensive.
Speaker 1: Well see, it's an act of kindness that has no
Speaker 1: expectation for a remuneration.
Speaker 4: According to Google, that's true. Yeah, it's very weird.
Speaker 1: You do a favor, I'm not paying you. That becomes
Speaker 1: a service. You became my Uber driver, you were actually
Speaker 1: my personal assistant. Yeah weird, But okay, if I didn't
Speaker 1: realize this was the dynamic. So I get that you're
Speaker 1: trying to justified that. It could be a lot of things,
Speaker 1: But I just I think as somebody who would be
Speaker 1: mortified to ask their friend to pay me for a favor. Yeah,
Speaker 1: I just couldn't do it.
Speaker 4: It's a lot.
Speaker 1: Someone else said, approach this with compassion. Maybe the friend
Speaker 1: is now having money trouble, but doesn't want to say anything.
Speaker 1: Totally agree.
Speaker 4: I was thinking that too, but I'm like say that,
Speaker 4: you know.
Speaker 5: Yeah, I think it's in the communication to say, hey,
Speaker 5: oh my god, I didn't realize how many tolls we'd
Speaker 5: hit on the way through. It's cost me sixty bucks?
Speaker 5: Would you mind splitting it is a much better way
Speaker 5: to approach it.
Speaker 4: You must give context. I can't just be like, just
Speaker 4: give me ten bucks. Yeah, right now, you would, You've
Speaker 4: got to give would Yeah, I completely agree.
Speaker 5: It's only to how it's communicated. It sounds like maybe, yeah,
Speaker 5: like totally valid if you're like, oh god, it's so expensive,
Speaker 5: but like, don't be addicapated.
Speaker 1: The next one, it's going to make you laugh, she says,
Speaker 1: play dumb go. I'm sorry I didn't actually offer you
Speaker 1: petrol money. I thought your work was paying for it.
Speaker 1: How much do I owe you?
Speaker 4: Oh yeah, yeah, though that's good.
Speaker 1: I would die. I would simply pass away.
Speaker 4: Oh that's good. Oh sorry, I would have offered. But
Speaker 4: I thought, yeah, that's a great idea.
Speaker 1: Someone else said, if you give someone a favor, it
Speaker 1: doesn't equal money. It actually equals a favor of a
Speaker 1: similar amount.
Speaker 5: Oh yeah, like in the future, like if they need
Speaker 5: to lift the airport, yeah, you drive them.
Speaker 1: Yeah. Isn't that just friendship?
Speaker 4: Yes, and that's all. But then we're going into like
Speaker 4: expecting something in return to Yeah, that's true.
Speaker 1: If someone else said, and I like this girl, she said,
Speaker 1: I always offered a drive if a group is going
Speaker 1: somewhere because I don't pay for my petrol thanks to
Speaker 1: my job. This is wild to me that she's asking
Speaker 1: for cash. I agree her friends, she's a good friend friend.
Speaker 1: Someone else said, offer to shout her brunch as a
Speaker 1: thank you instead. Someone else said, to be honest, if
Speaker 1: I thought I'd be paying fuel money, I'm just going
Speaker 1: to get into damn cab Totally. I laughed so hard because,
Speaker 1: like sometimes if it's asked in the wrong way, petty
Speaker 1: me would have gone the damn cab. I would have
Speaker 1: been like, that's why I'll meet you there. Yeah, that's
Speaker 1: absolutely fine. Someone else said, I'd be curious to know
Speaker 1: if the friend had to then pay for parking at
Speaker 1: the airport, because that could be expensive and perhaps she
Speaker 1: should have asked to split that. And then someone else
Speaker 1: another one of our petty queens said, I'd be sarcastic
Speaker 1: and then asked, did you want that money transferred directly
Speaker 1: to you or your boss's account? Before real before imagine
Speaker 1: me being like, did you want that in your account?
Speaker 1: I call your boss's account, so Gi Gosh, please reprop back.
Speaker 1: I'm curious to know what happens there. Can we please
Speaker 1: have an update anyway? I feel like that is all
Speaker 1: we've got time for today. A little bit spicy, a
Speaker 1: little bit petty, but that's okay because, like money, conversations
Speaker 1: should be fun as well as sometimes confrontational. So have
Speaker 1: the best weekend. I have a fun episode another solo
Speaker 1: coming for you tomorrow, and then we're going to see
Speaker 1: you bright early for a money diary on Monday. So
Speaker 1: have the best weekend. Guys by Guys By.
Speaker 7: The advice shared on She's on the Money is general
Speaker 7: in nature and does not consider your individual circumstances. She's
Speaker 7: on the.
Speaker 1: Money exists purely for educational purposes and should not be
Speaker 1: relied upon to make an investment or financial decision. If
Speaker 1: you do choose to buy a financial product, read the
Speaker 1: PDS TMD and obtain appropriate.
Speaker 7: Financial advice tailored towards your needs. Victoria Divine and she's
Speaker 7: on the money. Are authorized representatives of money sherper P
Speaker 7: T y L t D A b N three two
Speaker 7: one six four nine two seven seven zero eight a
Speaker 7: F s L four five one two eight nine