1
00:00:00,640 --> 00:00:04,880
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr

2
00:00:04,920 --> 00:00:08,600
Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before

3
00:00:08,640 --> 00:00:11,119
Speaker 1: we get started on She's on the Money podcast, I

4
00:00:11,119 --> 00:00:14,280
Speaker 1: would like to acknowledge the traditional custodians of the land

5
00:00:14,360 --> 00:00:17,640
Speaker 1: of which this podcast is recorded on a wondery country,

6
00:00:18,079 --> 00:00:22,200
Speaker 1: acknowledging the elders, the ancestors and the next generation coming

7
00:00:22,280 --> 00:00:26,920
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

8
00:00:27,040 --> 00:00:30,080
Speaker 1: and the storytelling of you to make a difference for

9
00:00:30,200 --> 00:00:33,040
Speaker 1: today and lasting impact for tomorrow.

10
00:00:33,280 --> 00:00:36,640
Speaker 2: Let's get into it. She's on the Money. She's on

11
00:00:36,680 --> 00:00:38,360
Speaker 2: the Money.

12
00:00:57,440 --> 00:01:00,639
Speaker 3: Hello, and welcome to She's on the Money, the podcast

13
00:01:00,640 --> 00:01:02,480
Speaker 3: that makes personal finance fun.

14
00:01:02,560 --> 00:01:04,080
Speaker 4: Especially on Fridays.

15
00:01:04,440 --> 00:01:06,319
Speaker 3: It is our favorite day of the week this week

16
00:01:06,360 --> 00:01:09,240
Speaker 3: because we get the team together and celebrate you our

17
00:01:09,360 --> 00:01:11,720
Speaker 3: incredible She's on the Money community.

18
00:01:12,000 --> 00:01:14,600
Speaker 4: Today, Miss Jessica Ricci is going to be sharing.

19
00:01:14,360 --> 00:01:17,240
Speaker 3: Her favorite money wins. Miss Becks say Ed is going

20
00:01:17,280 --> 00:01:20,000
Speaker 3: to be sharing her favorite brook tips. We're going to

21
00:01:20,080 --> 00:01:22,360
Speaker 3: be helping to answer a juicy money dilemma, which this

22
00:01:22,440 --> 00:01:24,240
Speaker 3: week is all about whether you have to tell your

23
00:01:24,240 --> 00:01:26,400
Speaker 3: bank if you move and start renting out your home

24
00:01:26,760 --> 00:01:29,440
Speaker 3: and we unpack something that you slid into our DMS

25
00:01:29,480 --> 00:01:32,440
Speaker 3: about what happens to the money you've already paid when

26
00:01:32,440 --> 00:01:34,119
Speaker 3: you drop out of the bridal party.

27
00:01:35,640 --> 00:01:39,319
Speaker 2: Wedding stuff away so juicy. So we've got a.

28
00:01:39,240 --> 00:01:42,800
Speaker 3: Lot of opinions, and if anybody follows me on social media,

29
00:01:42,840 --> 00:01:46,560
Speaker 3: you already know my opinions. But let's get straight into it.

30
00:01:46,800 --> 00:01:49,680
Speaker 3: This week we got a few new five star reviews.

31
00:01:49,760 --> 00:01:52,200
Speaker 3: Miss Beggs say, ed, could you share with us the

32
00:01:52,240 --> 00:01:54,440
Speaker 3: five star review you picked out to read on the show.

33
00:01:54,800 --> 00:01:57,280
Speaker 2: This one comes from Fiona. She says, I absolutely love

34
00:01:57,360 --> 00:02:00,920
Speaker 2: she has the money, educational, empowering and fun. Is amazing

35
00:02:00,920 --> 00:02:04,400
Speaker 2: at explaining finance in a non judgmental and very consistent way.

36
00:02:04,680 --> 00:02:07,360
Speaker 2: The co hosts are so fun and great. If you're

37
00:02:07,360 --> 00:02:09,360
Speaker 2: not listening, you should be and you won't regret it.

38
00:02:10,600 --> 00:02:15,600
Speaker 2: Part Let's be honest. I love that. I love that.

39
00:02:15,680 --> 00:02:19,160
Speaker 3: This is just like a boost the team's ego session

40
00:02:19,320 --> 00:02:21,600
Speaker 3: before we do the Friday episode and I am so

41
00:02:21,760 --> 00:02:22,120
Speaker 3: here for it.

42
00:02:22,280 --> 00:02:23,919
Speaker 4: Jess, what have you picked out this week?

43
00:02:23,960 --> 00:02:26,920
Speaker 5: I've got one from Chu Kwan who said I found

44
00:02:27,080 --> 00:02:31,040
Speaker 5: this one incidentally and I'm now hooked onto. It so relatable,

45
00:02:31,240 --> 00:02:34,760
Speaker 5: very helpful, supportive and informative podcast about money by women

46
00:02:35,040 --> 00:02:37,880
Speaker 5: for women, presented in a fun and enjoyable format.

47
00:02:37,960 --> 00:02:41,240
Speaker 3: I love that makes fun, which is something that I

48
00:02:41,320 --> 00:02:44,080
Speaker 3: never thought I would say, Like, let's be honest, go

49
00:02:44,200 --> 00:02:46,520
Speaker 3: back like ten years, hey e, you're going to work

50
00:02:46,560 --> 00:02:47,280
Speaker 3: in finance and.

51
00:02:47,280 --> 00:02:48,200
Speaker 4: You're gonna make it fun.

52
00:02:48,240 --> 00:02:50,640
Speaker 3: I'd be like, I can't think of anything worse, So

53
00:02:50,840 --> 00:02:55,280
Speaker 3: thank you anyway, look at us now, all right, I

54
00:02:55,360 --> 00:02:57,040
Speaker 3: have one and it is from Fari.

55
00:02:57,400 --> 00:03:00,480
Speaker 4: So Fari has said I have bingeen to.

56
00:03:00,560 --> 00:03:03,080
Speaker 3: She's on the Money podcasts for years now, and it

57
00:03:03,160 --> 00:03:07,200
Speaker 3: keeps me consistently coming back. Victoria is truly passionate about

58
00:03:07,200 --> 00:03:10,639
Speaker 3: financial literacy, and every word she utters sounds genuine.

59
00:03:10,919 --> 00:03:12,720
Speaker 2: It is sometimes unhinged.

60
00:03:14,160 --> 00:03:18,280
Speaker 3: I love Jessie humor and independent thoughts. Bex liight bulb

61
00:03:18,320 --> 00:03:22,000
Speaker 3: moments are the cutest. The diversity of the interviews is.

62
00:03:22,000 --> 00:03:23,160
Speaker 4: A very strong point.

63
00:03:23,240 --> 00:03:25,520
Speaker 3: I'm not ashamed to admit that your podcast in books

64
00:03:25,520 --> 00:03:28,840
Speaker 3: have changed my life. Fee keep up the great work, ladies,

65
00:03:28,960 --> 00:03:31,040
Speaker 3: and thank you for your weekly shows.

66
00:03:31,280 --> 00:03:35,280
Speaker 2: Oh my god, that's a cute, sweet little bold moments.

67
00:03:35,520 --> 00:03:37,800
Speaker 3: But it's so true, Like my one of my favorite

68
00:03:37,840 --> 00:03:39,800
Speaker 3: things about this show is when I'm explaining something in

69
00:03:39,840 --> 00:03:42,400
Speaker 3: a deep dipe tune, you go, oh, yes.

70
00:03:43,640 --> 00:03:46,560
Speaker 2: So you get it. Yeah, yeah, yeah, because.

71
00:03:46,280 --> 00:03:48,720
Speaker 3: We all knew that you didn't read the script before

72
00:03:48,720 --> 00:03:50,440
Speaker 3: we record it, absolutely not.

73
00:03:50,880 --> 00:03:51,840
Speaker 2: Was it in your inbox?

74
00:03:52,200 --> 00:03:52,480
Speaker 4: Yes?

75
00:03:53,080 --> 00:03:54,240
Speaker 2: Yes, did you read it?

76
00:03:54,400 --> 00:03:54,600
Speaker 3: No?

77
00:03:54,680 --> 00:03:57,280
Speaker 4: But I mean, yollow, you do what you can do.

78
00:03:57,600 --> 00:03:59,120
Speaker 6: I just want I just want to hear it from

79
00:03:59,120 --> 00:03:59,800
Speaker 6: the horse's mouth.

80
00:04:00,080 --> 00:04:01,960
Speaker 2: That's that's fair. That's fair.

81
00:04:02,280 --> 00:04:04,680
Speaker 4: And Jess, I mean someone thinks so funny.

82
00:04:05,000 --> 00:04:07,480
Speaker 2: I will take that because I say to you guys all.

83
00:04:07,560 --> 00:04:09,680
Speaker 5: You're like, I'm not funny. I can't say funny. I'm

84
00:04:09,680 --> 00:04:14,240
Speaker 5: not a funny person, so that are always funny. But

85
00:04:14,240 --> 00:04:14,880
Speaker 5: that just made it.

86
00:04:14,960 --> 00:04:16,440
Speaker 2: This can be the woman fuzzy, easy guy.

87
00:04:17,200 --> 00:04:18,039
Speaker 4: I think it's so funny.

88
00:04:18,040 --> 00:04:20,200
Speaker 3: And I didn't point out, oh, someone thinks it funny, Jess,

89
00:04:20,200 --> 00:04:22,840
Speaker 3: because I'm being mean. I'm literally like Jess always says

90
00:04:22,920 --> 00:04:24,919
Speaker 3: I'm not funny because I'm always like, why are you

91
00:04:25,000 --> 00:04:25,520
Speaker 3: so funny?

92
00:04:26,080 --> 00:04:27,599
Speaker 2: In the background, she'll say stuffy.

93
00:04:27,680 --> 00:04:29,919
Speaker 3: She's a bit more reserved on the show because she's like, oh,

94
00:04:30,000 --> 00:04:33,159
Speaker 3: I don't want to seem silly, Jess, just crack her.

95
00:04:34,200 --> 00:04:37,599
Speaker 2: She is like she's a silly goose.

96
00:04:37,720 --> 00:04:41,880
Speaker 3: Yeah, she actually a silly goose. All right, Jess, what

97
00:04:41,960 --> 00:04:43,560
Speaker 3: have you got when it comes to money wins and

98
00:04:43,560 --> 00:04:45,359
Speaker 3: convensions from the community this week?

99
00:04:45,480 --> 00:04:47,760
Speaker 5: There were so many good ones this week on the thread.

100
00:04:47,800 --> 00:04:49,800
Speaker 5: You guys, you should definitely if anyone's listening and it

101
00:04:49,800 --> 00:04:50,440
Speaker 5: hasn't read it, you.

102
00:04:50,400 --> 00:04:51,120
Speaker 2: Should go have a look.

103
00:04:51,120 --> 00:04:53,640
Speaker 5: Because I have so many that I screenshoted it. I'm

104
00:04:53,880 --> 00:04:56,440
Speaker 5: like rapid fire, Right, what have we got? Firstly, I've

105
00:04:56,440 --> 00:04:58,919
Speaker 5: got one from Chantelle said money win. Last week, I

106
00:04:58,960 --> 00:05:01,159
Speaker 5: took up uber each having on the weekends when my

107
00:05:01,240 --> 00:05:03,480
Speaker 5: kids are with their dad so it can stop myself

108
00:05:03,480 --> 00:05:06,080
Speaker 5: from doing the social media doom scroll and get out

109
00:05:06,120 --> 00:05:09,119
Speaker 5: of the crappy dating scene. We've been there, and she said, Plus,

110
00:05:09,120 --> 00:05:11,080
Speaker 5: I'm saving the money to get my kids to FEEDI

111
00:05:11,120 --> 00:05:12,880
Speaker 5: next year to celebrate me turning.

112
00:05:12,680 --> 00:05:17,320
Speaker 2: Forty queen behavior and I love.

113
00:05:17,640 --> 00:05:19,039
Speaker 5: I always forget that you can just pick up like

114
00:05:19,040 --> 00:05:20,919
Speaker 5: an uber e. It's or something like if times are tough,

115
00:05:21,080 --> 00:05:23,200
Speaker 5: it's not a commitment, right, like you just do it when.

116
00:05:23,040 --> 00:05:25,840
Speaker 3: It suits, and like, how good that you've got some flexibility.

117
00:05:25,880 --> 00:05:29,120
Speaker 3: I know that, Like obviously most people don't go into

118
00:05:29,160 --> 00:05:31,279
Speaker 3: a relationship, have a kid with the idea that you'll

119
00:05:31,279 --> 00:05:33,520
Speaker 3: co parent one day. But like, I love the idea

120
00:05:33,560 --> 00:05:36,440
Speaker 3: that you're using the time where your kids are away

121
00:05:36,640 --> 00:05:39,200
Speaker 3: to really help you financially and put you in the

122
00:05:39,240 --> 00:05:41,240
Speaker 3: best possible position because it means that when your kids

123
00:05:41,320 --> 00:05:42,520
Speaker 3: with you, you can spend more.

124
00:05:42,440 --> 00:05:43,559
Speaker 4: Quality time with them.

125
00:05:43,600 --> 00:05:44,640
Speaker 2: Like, isn't that cute?

126
00:05:44,920 --> 00:05:48,120
Speaker 5: Yeah, chantale. Next, I've got one from Riley, who said

127
00:05:48,160 --> 00:05:51,239
Speaker 5: money win. We did our frozen embryo transfer and paid

128
00:05:51,279 --> 00:05:54,000
Speaker 5: one nine hundred and eighty five dollars out of pocket,

129
00:05:54,120 --> 00:05:56,600
Speaker 5: but turns out we got one thousand, six hundred and

130
00:05:56,640 --> 00:05:59,280
Speaker 5: forty two dollars back thanks to Medicare redates.

131
00:05:59,279 --> 00:06:01,400
Speaker 4: Cool, but it really so cheap.

132
00:06:01,600 --> 00:06:02,520
Speaker 2: I didn't realize.

133
00:06:02,600 --> 00:06:04,240
Speaker 5: I mean, I'm sure there's probably lots of other bits

134
00:06:04,279 --> 00:06:06,440
Speaker 5: and pieces she had to do and pay. Sure, but

135
00:06:06,800 --> 00:06:09,120
Speaker 5: that's a great thing from rebates. I didn't realize it

136
00:06:09,120 --> 00:06:10,720
Speaker 5: was such a significant coverage.

137
00:06:11,200 --> 00:06:14,120
Speaker 4: Also sending all of the sticky baby love. Yes, that

138
00:06:14,279 --> 00:06:15,800
Speaker 4: is a very sticky baby.

139
00:06:15,640 --> 00:06:16,799
Speaker 2: One hundred percent.

140
00:06:17,200 --> 00:06:19,400
Speaker 5: Next, I've got a money went from Sarah who said,

141
00:06:19,560 --> 00:06:21,960
Speaker 5: I'm in love with the Stanley cup aesthetic, but I'm

142
00:06:22,080 --> 00:06:24,039
Speaker 5: terrible with drink bottles. And didn't want to waste the

143
00:06:24,040 --> 00:06:26,440
Speaker 5: money if I ended up hating it, and she hashtagged

144
00:06:27,279 --> 00:06:30,320
Speaker 5: I don't even know how to say AUDHD life like AUDHD,

145
00:06:30,440 --> 00:06:30,800
Speaker 5: life like.

146
00:06:32,360 --> 00:06:35,200
Speaker 2: The combo. Yeah, and also hashtag drink goblin, which made

147
00:06:35,240 --> 00:06:35,599
Speaker 2: me giggle.

148
00:06:37,760 --> 00:06:39,120
Speaker 4: You're a drink goblin, aren't you?

149
00:06:39,200 --> 00:06:41,279
Speaker 2: Jess? Absolutely, I just has.

150
00:06:41,120 --> 00:06:43,800
Speaker 3: Her Stanley cup and like it's a full aesthetic Like

151
00:06:43,880 --> 00:06:46,280
Speaker 3: last year for Christmas, Jess bought me because I also

152
00:06:46,320 --> 00:06:49,440
Speaker 3: have a Stanley cup. Just bought me a little like

153
00:06:49,520 --> 00:06:51,520
Speaker 3: gadget that goes on the top of my Stanley cup

154
00:06:51,560 --> 00:06:52,800
Speaker 3: that I can keep my snacks in.

155
00:06:52,920 --> 00:06:53,120
Speaker 7: Yeah.

156
00:06:53,160 --> 00:06:55,680
Speaker 2: Oh, that's it's really so cute.

157
00:06:55,760 --> 00:06:56,560
Speaker 6: Not drinking.

158
00:06:57,800 --> 00:07:03,039
Speaker 2: Water, she is a hydrated. But Sarah said she got

159
00:07:03,080 --> 00:07:04,600
Speaker 2: a dup from kmart.

160
00:07:04,600 --> 00:07:07,360
Speaker 5: It was only fifteen dollars and she's in her hot

161
00:07:07,400 --> 00:07:08,080
Speaker 5: car all day.

162
00:07:08,120 --> 00:07:08,800
Speaker 2: She loved it.

163
00:07:08,800 --> 00:07:10,600
Speaker 5: It still had icy in it twenty four hours after

164
00:07:10,640 --> 00:07:12,400
Speaker 5: feeling it. Oh wow, So if you don't feel like

165
00:07:12,480 --> 00:07:14,320
Speaker 5: dropping what is that like sixty bucks or something on

166
00:07:14,320 --> 00:07:15,080
Speaker 5: a Stanley.

167
00:07:14,800 --> 00:07:18,840
Speaker 3: More than sixty our Oh and also like we just

168
00:07:18,920 --> 00:07:21,240
Speaker 3: needed to wait a little bit of time and then

169
00:07:21,320 --> 00:07:22,840
Speaker 3: Camart came through with the goods.

170
00:07:22,960 --> 00:07:25,160
Speaker 4: Like I saw those I'm always in Kmar.

171
00:07:25,480 --> 00:07:27,360
Speaker 3: I didn't buy it because I was like, I already

172
00:07:27,400 --> 00:07:30,120
Speaker 3: have one, but I was looking at them. They're identical,

173
00:07:30,160 --> 00:07:32,480
Speaker 3: except they just don't have the logo, like someone is

174
00:07:32,520 --> 00:07:35,200
Speaker 3: mass producing them and importing them and like I'm here

175
00:07:35,200 --> 00:07:35,480
Speaker 3: for it.

176
00:07:35,600 --> 00:07:38,720
Speaker 5: Yeah, fifteen dollars, you can't go wrong. Next, I've got

177
00:07:38,800 --> 00:07:41,120
Speaker 5: money in from Danielle, who said she was preparing for

178
00:07:41,160 --> 00:07:43,320
Speaker 5: Matt leave and she read a comment on an old

179
00:07:43,360 --> 00:07:45,640
Speaker 5: Facebook post in a group that said to contact your

180
00:07:45,680 --> 00:07:48,120
Speaker 5: super fund because they might be able to pause the

181
00:07:48,160 --> 00:07:50,880
Speaker 5: fees for the period that you're on materially. So she

182
00:07:50,960 --> 00:07:53,040
Speaker 5: checked in with her super fund and turns out they do,

183
00:07:53,160 --> 00:07:54,920
Speaker 5: in fact do it. She just needed her work to

184
00:07:54,960 --> 00:07:57,560
Speaker 5: do some paperwork for her. But she's really happy because

185
00:07:57,600 --> 00:07:59,840
Speaker 5: her super was about to crack one hundred K and

186
00:08:00,000 --> 00:08:01,800
Speaker 5: didn't want to slip back under with fees while she's

187
00:08:01,800 --> 00:08:03,920
Speaker 5: not with Cool.

188
00:08:03,960 --> 00:08:05,240
Speaker 2: So you go. If you're going on Matt Lee.

189
00:08:05,320 --> 00:08:05,880
Speaker 4: I love that.

190
00:08:06,000 --> 00:08:08,880
Speaker 3: Also, maybe start talking to your partner, if you have

191
00:08:08,960 --> 00:08:10,840
Speaker 3: a partner and you're going through the you know, Matt

192
00:08:10,920 --> 00:08:15,760
Speaker 3: leave journey, about splitting some super ross into your account

193
00:08:15,920 --> 00:08:17,280
Speaker 3: so that you don't go backwards.

194
00:08:17,440 --> 00:08:19,760
Speaker 4: Yes, that could be a very attractive conversation.

195
00:08:19,880 --> 00:08:22,440
Speaker 2: Absolutely could be funny. We love to see it.

196
00:08:22,600 --> 00:08:24,400
Speaker 5: Next, I've got a money in from Natasha, who said,

197
00:08:24,440 --> 00:08:27,520
Speaker 5: because it's officially Christmas season, Queen, I've been looking for

198
00:08:27,520 --> 00:08:29,200
Speaker 5: a big bow to go on my front door.

199
00:08:29,480 --> 00:08:32,440
Speaker 2: Which this is a very like this is in your area.

200
00:08:33,040 --> 00:08:35,760
Speaker 3: But also this is so relevant because Jess, I've been

201
00:08:35,800 --> 00:08:39,200
Speaker 3: sending you videos of people decorating their houses and putting

202
00:08:39,240 --> 00:08:42,920
Speaker 3: bows on their doors on every platform. I see this

203
00:08:43,120 --> 00:08:46,320
Speaker 3: Instagram video, see this TikTok video or YouTube shorts. Hey, Jess,

204
00:08:46,320 --> 00:08:48,720
Speaker 3: look at this video of people putting bows on things.

205
00:08:49,200 --> 00:08:51,400
Speaker 5: Everything in my house will in fact be covered with bows.

206
00:08:51,520 --> 00:08:54,480
Speaker 5: And Natasha said she originally was looking for the big

207
00:08:54,679 --> 00:08:57,160
Speaker 5: red door ones you guy's probably seen. They're like forty

208
00:08:57,200 --> 00:08:59,160
Speaker 5: five to seventy dollars on Amazon, and then she went

209
00:08:59,200 --> 00:09:01,839
Speaker 5: to the rejection and they had the same style for

210
00:09:01,880 --> 00:09:02,480
Speaker 5: twenty ducks.

211
00:09:02,679 --> 00:09:04,480
Speaker 2: And you're going to put one on your door? I think,

212
00:09:04,600 --> 00:09:06,800
Speaker 2: so front door. I feel like it's very cute.

213
00:09:06,920 --> 00:09:10,880
Speaker 6: It is cute too, It's like your house of the present. Yeah, okay,

214
00:09:11,120 --> 00:09:12,360
Speaker 6: and maybe not, that's maybe not.

215
00:09:12,320 --> 00:09:13,160
Speaker 2: What the vibe is.

216
00:09:13,559 --> 00:09:18,080
Speaker 3: That's yeah, you like wrap your front door it's really cute.

217
00:09:19,600 --> 00:09:20,840
Speaker 5: I did, in fact put a picture in the group

218
00:09:20,920 --> 00:09:22,760
Speaker 5: so you can see the musum in for you.

219
00:09:22,960 --> 00:09:27,360
Speaker 2: Oh God, like that. Oh that's very cute. The door

220
00:09:27,480 --> 00:09:28,679
Speaker 2: is in and it's.

221
00:09:28,520 --> 00:09:30,920
Speaker 4: Like chul as well. It looks like one of the

222
00:09:30,920 --> 00:09:32,680
Speaker 4: really nice ones is really expensive.

223
00:09:32,679 --> 00:09:34,280
Speaker 3: Because I was at Spotlight the other day because I

224
00:09:34,320 --> 00:09:37,400
Speaker 3: am actually in my like home crafting era. Of course,

225
00:09:37,440 --> 00:09:41,800
Speaker 3: I didn't realize this was going to come back out

226
00:09:42,320 --> 00:09:43,920
Speaker 3: because like when I was younger, I used.

227
00:09:43,840 --> 00:09:46,040
Speaker 4: To do a lot of like I was really cool, so.

228
00:09:46,240 --> 00:09:50,880
Speaker 3: Just debating, of course, stating team captain, did athletics, all

229
00:09:50,880 --> 00:09:54,440
Speaker 3: of those things. But I used to when I was

230
00:09:54,480 --> 00:09:58,760
Speaker 3: sixteen be really into embroidery, so I'd make lots of things.

231
00:09:58,840 --> 00:10:00,880
Speaker 3: And now I have a baby and it's coming into

232
00:10:00,920 --> 00:10:04,040
Speaker 3: Christmas season, I'm like, oh my god, like I want

233
00:10:04,080 --> 00:10:07,280
Speaker 3: to make him everything. So I'm currently making him Santa

234
00:10:07,280 --> 00:10:10,160
Speaker 3: sac and like I'm embroidering a couple of like T

235
00:10:10,360 --> 00:10:13,840
Speaker 3: shirts for Christmas, so he's got like little Christmas T shirts.

236
00:10:13,880 --> 00:10:17,000
Speaker 3: Like I just I have this overwhelming urge to make

237
00:10:17,040 --> 00:10:21,640
Speaker 3: things for my child and decorate my house more obnoxiously.

238
00:10:21,000 --> 00:10:22,240
Speaker 2: Than I ever have before.

239
00:10:22,679 --> 00:10:26,760
Speaker 3: But ChIL At spotlight incredibly expensive, so that's actually a

240
00:10:26,840 --> 00:10:27,839
Speaker 3: really good deal to me.

241
00:10:28,080 --> 00:10:30,240
Speaker 5: Go, I'm exad to see how all your little crafties

242
00:10:30,280 --> 00:10:31,200
Speaker 5: turn out. I can't wait.

243
00:10:31,320 --> 00:10:33,800
Speaker 3: She'll come over because like, my partner doesn't care that

244
00:10:33,880 --> 00:10:35,439
Speaker 3: much about putting the Christmas.

245
00:10:36,120 --> 00:10:38,160
Speaker 4: Right exactly exactly.

246
00:10:38,640 --> 00:10:42,800
Speaker 3: So again, my fill in partner just comes over, yes,

247
00:10:42,840 --> 00:10:46,199
Speaker 3: and we drink cocktails, festive cocktails.

248
00:10:46,520 --> 00:10:50,040
Speaker 4: Listen, what did we have last year? We had cranberry?

249
00:10:50,240 --> 00:10:51,000
Speaker 2: There was something red.

250
00:10:51,160 --> 00:10:55,040
Speaker 3: Yeah, we had cranberry, I think Martini's or something. And

251
00:10:55,200 --> 00:10:58,040
Speaker 3: we played Christmas music and we put my tree up

252
00:10:58,080 --> 00:11:01,200
Speaker 3: and we danced with our cat or sorry, my cats,

253
00:11:01,240 --> 00:11:04,240
Speaker 3: her cat kind of and we addressed the pets up.

254
00:11:04,280 --> 00:11:06,080
Speaker 3: And then my husband came home and was like, what are.

255
00:11:05,960 --> 00:11:06,440
Speaker 4: You two doing?

256
00:11:06,480 --> 00:11:07,560
Speaker 2: And we were get.

257
00:11:07,440 --> 00:11:15,360
Speaker 3: Out, get out, I can't wait. We looked at him like,

258
00:11:15,600 --> 00:11:17,959
Speaker 3: you know, stunned DearS, being like, what have you.

259
00:11:18,120 --> 00:11:21,480
Speaker 2: Come across Alpha?

260
00:11:22,520 --> 00:11:24,160
Speaker 6: Oh my god, that's so cute.

261
00:11:24,360 --> 00:11:27,160
Speaker 2: I have two more money been sorry.

262
00:11:27,720 --> 00:11:30,360
Speaker 5: One from Leah who said she's been saving her Flyboys

263
00:11:30,360 --> 00:11:32,800
Speaker 5: points for a new barbecue and she claimed it yesterday.

264
00:11:32,840 --> 00:11:35,480
Speaker 5: So she had a whole barbecue from Bunnings because she

265
00:11:35,559 --> 00:11:38,520
Speaker 5: exchanged the points for Bunnings vouchers picked it up. It's

266
00:11:38,559 --> 00:11:42,800
Speaker 5: like a big fancy one. Look, we love a photo.

267
00:11:43,280 --> 00:11:45,920
Speaker 3: I love a photo like I feel like pet Taxi

268
00:11:46,040 --> 00:11:48,599
Speaker 3: is really good. Obviously that will continue to be a

269
00:11:48,679 --> 00:11:51,760
Speaker 3: rule in our group. But also show me what you

270
00:11:51,800 --> 00:11:54,800
Speaker 3: have to It feels like group chat. Yeah, oh you

271
00:11:54,880 --> 00:11:56,240
Speaker 3: got a new barbecue. I want to see it.

272
00:11:56,920 --> 00:11:59,560
Speaker 5: Don't just tell me you too, So redeem those points

273
00:11:59,559 --> 00:12:02,440
Speaker 5: if you can, and lotstly coming into Christmas, maybe you

274
00:12:02,480 --> 00:12:05,800
Speaker 5: could try and redeem some points at Christmas time to

275
00:12:05,960 --> 00:12:06,920
Speaker 5: use for presents.

276
00:12:07,240 --> 00:12:07,960
Speaker 2: They'd dealt with.

277
00:12:08,000 --> 00:12:11,080
Speaker 5: Cards and stuff, which I think makes it a lot easier. Lastly,

278
00:12:11,120 --> 00:12:12,960
Speaker 5: this week, I've got my name from Kerry, which I'm

279
00:12:12,960 --> 00:12:15,200
Speaker 5: going to look into this because I'm doing.

280
00:12:15,000 --> 00:12:15,800
Speaker 2: This, She said.

281
00:12:15,840 --> 00:12:19,800
Speaker 5: She downgraded her Apple iCloud subscription, which is normally fourteen

282
00:12:19,880 --> 00:12:21,760
Speaker 5: ninety nine, which is I know what I pay to

283
00:12:21,880 --> 00:12:25,160
Speaker 5: five dollars. She said, I took screenshots because the whole

284
00:12:25,160 --> 00:12:28,040
Speaker 5: process was difficult to downgrade, and she thinks this is

285
00:12:28,040 --> 00:12:30,719
Speaker 5: intentional to make it like hard cool to get it cheaper. Yes,

286
00:12:31,120 --> 00:12:33,040
Speaker 5: and then apparently they charged at the old price and

287
00:12:33,080 --> 00:12:34,680
Speaker 5: she had to email them to say hey, like I

288
00:12:34,720 --> 00:12:37,160
Speaker 5: dowbn it was a whole thing, but they canceled it.

289
00:12:37,240 --> 00:12:39,720
Speaker 5: They issued the refund, and she says, if you adjust

290
00:12:39,800 --> 00:12:43,840
Speaker 5: your pricing for the year. She managed to resubscribe to

291
00:12:43,920 --> 00:12:46,080
Speaker 5: the one ninety nine a month, so she only pays

292
00:12:46,120 --> 00:12:46,760
Speaker 5: like twenty four.

293
00:12:46,640 --> 00:12:48,240
Speaker 3: Bucks for the hour instead of one hundred and eighty.

294
00:12:48,320 --> 00:12:51,280
Speaker 3: Oh that's great, so good, that's worthy saving. The muck

295
00:12:51,280 --> 00:12:54,920
Speaker 3: around shouldn't exist, but that is worth putting the work in. Absolutely,

296
00:12:54,960 --> 00:12:56,720
Speaker 3: And yeah, Kerry said, just wanted to let everyone know.

297
00:12:56,840 --> 00:12:58,600
Speaker 3: Check your subscription, see if you can downgrade.

298
00:12:58,640 --> 00:13:01,400
Speaker 2: So everybody this weekend, that's what we're all doing.

299
00:13:01,600 --> 00:13:02,400
Speaker 4: That's what we're all doing.

300
00:13:02,400 --> 00:13:05,280
Speaker 3: And we're canceling out our Netflix or our stand that

301
00:13:05,360 --> 00:13:06,360
Speaker 3: we don't actually use.

302
00:13:06,720 --> 00:13:09,280
Speaker 6: I can go to seven ninety nine.

303
00:13:10,559 --> 00:13:10,839
Speaker 4: Version.

304
00:13:10,920 --> 00:13:14,320
Speaker 3: And I am so mad that they are charging many

305
00:13:15,520 --> 00:13:18,480
Speaker 3: If you're having ads on your show, your show should

306
00:13:18,520 --> 00:13:18,959
Speaker 3: be free.

307
00:13:19,120 --> 00:13:20,480
Speaker 2: Yeah, well, love, it doesn't.

308
00:13:20,760 --> 00:13:22,000
Speaker 4: I'll be watching Free to Wear.

309
00:13:22,200 --> 00:13:25,319
Speaker 2: Is it less frequent than TV ads? Yes, that's the thing.

310
00:13:25,320 --> 00:13:26,440
Speaker 6: It's actually not that bad.

311
00:13:26,760 --> 00:13:29,040
Speaker 2: Yeah, it's also like one ad every movie. Sorry.

312
00:13:29,080 --> 00:13:31,760
Speaker 3: Yeah, and it's also because we're in Australia, so like

313
00:13:31,880 --> 00:13:35,040
Speaker 3: not that many advertisers, No, not that many advertisers have

314
00:13:35,080 --> 00:13:37,960
Speaker 3: got Netflix advertising yet, and obviously if you're like a

315
00:13:38,040 --> 00:13:40,320
Speaker 3: Telco company, we're not going to have a T and

316
00:13:40,400 --> 00:13:44,000
Speaker 3: TV advertised here. So like in America, I've heard when

317
00:13:44,000 --> 00:13:45,719
Speaker 3: I say I've heard I've watched a TikTok, we all

318
00:13:45,760 --> 00:13:47,280
Speaker 3: do that right, Like, oh my god, I was reading

319
00:13:47,280 --> 00:13:49,920
Speaker 3: something the other day. No, Victoria, you're on TikTok. You

320
00:13:50,120 --> 00:13:52,760
Speaker 3: just chronically online and you're trying to downplay that. I

321
00:13:52,800 --> 00:13:55,720
Speaker 3: was watching TikTok's about how the American Netflix is really

322
00:13:55,800 --> 00:13:58,080
Speaker 3: addy but ours kind of gotten away.

323
00:13:58,080 --> 00:13:59,439
Speaker 4: A little bit's got free for now.

324
00:14:00,480 --> 00:14:03,720
Speaker 2: Absolutely like that Jess or that job.

325
00:14:03,840 --> 00:14:04,319
Speaker 5: But there you go.

326
00:14:04,760 --> 00:14:07,040
Speaker 3: Jess is going to update her Christmas door, She's going

327
00:14:07,080 --> 00:14:08,920
Speaker 3: to look into her fly Bys points, she's going to

328
00:14:08,960 --> 00:14:12,200
Speaker 3: downgrade her Apple, like do you start driving?

329
00:14:12,360 --> 00:14:13,959
Speaker 4: Like I feel like there's so much.

330
00:14:14,120 --> 00:14:15,480
Speaker 6: Genuinely and thinking about it.

331
00:14:15,559 --> 00:14:16,840
Speaker 2: That's a fantastic idea.

332
00:14:17,000 --> 00:14:19,440
Speaker 3: I feel like this was a very ess list of

333
00:14:20,040 --> 00:14:23,960
Speaker 3: the Stanley Cup. Like, honestly, Beck, what have you got

334
00:14:24,000 --> 00:14:25,520
Speaker 3: when it comes to broke tips?

335
00:14:25,600 --> 00:14:28,200
Speaker 2: Okay, just really quickly on the subscription thing. If anyone's listening,

336
00:14:28,320 --> 00:14:30,280
Speaker 2: could tell me I have a one dollar forty nine

337
00:14:30,360 --> 00:14:32,720
Speaker 2: charge from Apple that constantly comes out no matter if

338
00:14:32,760 --> 00:14:35,480
Speaker 2: I create a new account, I don't still have it

339
00:14:35,480 --> 00:14:39,640
Speaker 2: Apple anything. You have a MacBook, You have a MacBook

340
00:14:39,640 --> 00:14:41,560
Speaker 2: that's a work one dragon that still counts. I don't

341
00:14:41,560 --> 00:14:44,680
Speaker 2: know every single account I've ever created without putting any

342
00:14:44,760 --> 00:14:46,920
Speaker 2: details in an Apple charge.

343
00:14:47,120 --> 00:14:47,880
Speaker 6: I don't know how it's happening.

344
00:14:47,920 --> 00:14:50,800
Speaker 2: But anyway, if anyone is listening and knows the answer.

345
00:14:50,640 --> 00:14:52,320
Speaker 5: We don't know the you know what?

346
00:14:52,400 --> 00:14:52,760
Speaker 4: You could do?

347
00:14:53,040 --> 00:14:53,720
Speaker 2: Email Apple?

348
00:14:54,320 --> 00:14:56,400
Speaker 6: Oh you know, I don't really like life.

349
00:14:56,480 --> 00:14:56,760
Speaker 7: You know what?

350
00:14:57,440 --> 00:15:00,480
Speaker 3: You ask one point eight million people on the Sheet's

351
00:15:00,520 --> 00:15:02,640
Speaker 3: on the Money podcast instead of one email to someone

352
00:15:02,680 --> 00:15:05,920
Speaker 3: who actually knows you, do you boom?

353
00:15:06,080 --> 00:15:07,840
Speaker 7: But I'll try.

354
00:15:07,880 --> 00:15:08,280
Speaker 6: I'll try.

355
00:15:08,680 --> 00:15:11,360
Speaker 2: Okay, So this first one comes from one of our

356
00:15:11,400 --> 00:15:15,880
Speaker 2: listeners and they send me a TikTok. That's basically, you know,

357
00:15:15,920 --> 00:15:19,000
Speaker 2: if you have like any some resource, yes, you know,

358
00:15:19,160 --> 00:15:21,320
Speaker 2: have different ones for that you can propagate.

359
00:15:21,400 --> 00:15:25,960
Speaker 3: There's ways to like make it last longer. Yeahapagating herbs

360
00:15:26,000 --> 00:15:28,360
Speaker 3: at the moment. Yeah, I think it's a fantastic idea.

361
00:15:28,440 --> 00:15:31,440
Speaker 2: You can deal it with basically any anything that comes

362
00:15:31,440 --> 00:15:32,320
Speaker 2: from the ground, right.

363
00:15:32,440 --> 00:15:36,240
Speaker 3: Are also sorry sidetrack completely. I am in my local

364
00:15:36,360 --> 00:15:40,560
Speaker 3: Facebook group for my postcode, which is obviously very niche

365
00:15:40,600 --> 00:15:45,360
Speaker 3: I know you you know, like I mean, people the

366
00:15:45,440 --> 00:15:49,160
Speaker 3: other day were posting where are herbs and they were

367
00:15:49,240 --> 00:15:52,120
Speaker 3: like on on Berkley Street there are a few, you know,

368
00:15:52,320 --> 00:15:55,600
Speaker 3: rosemary bushes and whatnot. Check your Facebook group and if

369
00:15:55,680 --> 00:15:58,400
Speaker 3: the Facebook group doesn't have it, ask because so many

370
00:15:58,440 --> 00:16:01,080
Speaker 3: people have like free herb in their front garden and

371
00:16:01,160 --> 00:16:04,480
Speaker 3: coming up to Christmas, don't spend four dollars on a

372
00:16:04,560 --> 00:16:07,080
Speaker 3: packet of rosemary. Yes, like we all know that you're

373
00:16:07,080 --> 00:16:09,960
Speaker 3: probably going to need to because your last minute, but

374
00:16:11,000 --> 00:16:14,040
Speaker 3: have a look around, have a forage, have a forage. Yeah,

375
00:16:14,080 --> 00:16:15,160
Speaker 3: it's actually fantastic.

376
00:16:15,600 --> 00:16:17,120
Speaker 4: Do you know what my best hip is?

377
00:16:17,680 --> 00:16:20,040
Speaker 3: What if you're going to pick the rosemary, are you

378
00:16:20,120 --> 00:16:23,680
Speaker 3: going to pick any type of herb that has been

379
00:16:23,760 --> 00:16:25,040
Speaker 3: like free range?

380
00:16:25,200 --> 00:16:25,880
Speaker 4: Is that the right word.

381
00:16:26,080 --> 00:16:28,800
Speaker 2: I don't know, you know, just make sure it's.

382
00:16:28,680 --> 00:16:33,760
Speaker 3: Above dog pea heights.

383
00:16:33,840 --> 00:16:34,280
Speaker 6: Fantastic.

384
00:16:34,400 --> 00:16:35,040
Speaker 2: It's a great point.

385
00:16:35,080 --> 00:16:35,960
Speaker 4: It's a great point.

386
00:16:37,240 --> 00:16:43,240
Speaker 2: And like dude, yeah, like drunken male, yes, yeah, like

387
00:16:43,360 --> 00:16:44,280
Speaker 2: above whiz level.

388
00:16:46,680 --> 00:16:49,480
Speaker 3: So that's my tip for today. Sorry for the side tracking,

389
00:16:49,680 --> 00:16:51,480
Speaker 3: but yes, propagate your plants.

390
00:16:51,560 --> 00:16:52,400
Speaker 6: That's actually a great one.

391
00:16:52,440 --> 00:16:55,000
Speaker 2: And check your yes, check your local community page if

392
00:16:55,040 --> 00:16:56,080
Speaker 2: you have one, if you're part of one, and.

393
00:16:56,080 --> 00:16:57,960
Speaker 3: If you're going to do sorry, I'm a plants lady

394
00:16:57,960 --> 00:16:59,720
Speaker 3: as well embroidery plants lady.

395
00:16:59,800 --> 00:17:02,880
Speaker 2: I'm just in a wholesome error. Yeah, anyway, it's so cute.

396
00:17:03,040 --> 00:17:03,320
Speaker 2: Thank you.

397
00:17:03,680 --> 00:17:05,639
Speaker 3: If you get mint, you just strip off the bottom

398
00:17:05,680 --> 00:17:07,040
Speaker 3: leaves and chuck it in a cup of water.

399
00:17:07,200 --> 00:17:07,480
Speaker 7: That's it.

400
00:17:07,760 --> 00:17:08,639
Speaker 6: Yeah, yeah, that's it.

401
00:17:08,760 --> 00:17:10,640
Speaker 4: And mine already have little tentacles.

402
00:17:10,720 --> 00:17:11,040
Speaker 2: There you go.

403
00:17:11,320 --> 00:17:12,760
Speaker 4: They're called roots, but tentacles.

404
00:17:13,040 --> 00:17:14,840
Speaker 2: They do look a bit spooky for the first few months.

405
00:17:14,880 --> 00:17:17,600
Speaker 2: But okay, so this one is similar to that. But

406
00:17:17,840 --> 00:17:21,119
Speaker 2: the TikTok showed someone putting a bunch of herbs in

407
00:17:21,240 --> 00:17:24,000
Speaker 2: like a little mason jar with water, and then putting

408
00:17:24,080 --> 00:17:28,960
Speaker 2: a larger mason jar on top. And then this doesn't

409
00:17:28,960 --> 00:17:32,280
Speaker 2: make sense right now, but you put the lid on

410
00:17:32,440 --> 00:17:36,000
Speaker 2: the bench, you put the little mason jar on top

411
00:17:36,040 --> 00:17:38,720
Speaker 2: of the lid and with water with the bunch, and

412
00:17:38,760 --> 00:17:40,480
Speaker 2: then you put the bigger mason jar on top. You

413
00:17:40,520 --> 00:17:44,359
Speaker 2: screw it together so like a snow globe exactly, so

414
00:17:44,480 --> 00:17:49,520
Speaker 2: it's like air tight sealed and mason jar to make

415
00:17:49,560 --> 00:17:51,560
Speaker 2: it last longer. I think in the fridge or whatever.

416
00:17:52,200 --> 00:17:53,639
Speaker 2: Your herbs in the fridge and it dies in.

417
00:17:54,840 --> 00:17:57,480
Speaker 4: Honestly, that sounds so complicated that I prefer my homes to.

418
00:18:00,000 --> 00:18:00,320
Speaker 2: Promise.

419
00:18:00,359 --> 00:18:02,120
Speaker 6: I've made it sound way, way, way more.

420
00:18:02,160 --> 00:18:04,280
Speaker 2: But that's a good tip. What's your next one? Okay,

421
00:18:04,280 --> 00:18:06,080
Speaker 2: the next one come from actually a friend of mine

422
00:18:06,160 --> 00:18:08,120
Speaker 2: who I do this too. I know it's a bit cheeky,

423
00:18:08,200 --> 00:18:09,720
Speaker 2: but if you're going away, if you're going to like

424
00:18:10,040 --> 00:18:12,520
Speaker 2: stay to hotel or go into a restaurant called the

425
00:18:12,600 --> 00:18:15,280
Speaker 2: tiny toilet trees, you can take the tiny toiletrees your

426
00:18:15,320 --> 00:18:16,520
Speaker 2: bags full of them from every time.

427
00:18:16,600 --> 00:18:21,520
Speaker 3: I basically just please chip it upside into my luggage

428
00:18:22,320 --> 00:18:24,760
Speaker 3: if you're not allowed. That's honestly, if you're not taking

429
00:18:24,840 --> 00:18:32,040
Speaker 3: the tiny toilet trees when you stay out a hotel, No,

430
00:18:32,359 --> 00:18:35,000
Speaker 3: you're not taking the tiny toilet trees. You probably live

431
00:18:35,040 --> 00:18:37,160
Speaker 3: a far more privileged life than any of us at AH,

432
00:18:38,400 --> 00:18:39,880
Speaker 3: but you need the tiny toilet trees.

433
00:18:39,920 --> 00:18:41,280
Speaker 2: You've never had to buy an aail file or a

434
00:18:41,320 --> 00:18:42,040
Speaker 2: shower cap.

435
00:18:42,080 --> 00:18:44,360
Speaker 6: True, I mean yeah, I guess they just throw them out.

436
00:18:44,640 --> 00:18:47,680
Speaker 3: Sometimes I feel so bougie when I steal the toothbrushes,

437
00:18:47,960 --> 00:18:50,879
Speaker 3: because then if I have friends stay over I'm like toothbrush.

438
00:18:51,119 --> 00:18:53,119
Speaker 2: Yeah, that's a flex when you're like, oh, I actually

439
00:18:53,119 --> 00:18:53,920
Speaker 2: have a speared tooth.

440
00:18:53,960 --> 00:18:55,280
Speaker 3: Yeah, and it's like a hotel one and you get

441
00:18:55,320 --> 00:18:57,000
Speaker 3: it in the box and you get the tiny toothpaste.

442
00:18:57,000 --> 00:18:59,480
Speaker 2: Oh my god, you got your life together exactly.

443
00:19:00,040 --> 00:19:01,280
Speaker 4: Of course, I'm meant thief.

444
00:19:02,040 --> 00:19:05,840
Speaker 6: But on the set in the same vein as that

445
00:19:05,960 --> 00:19:06,320
Speaker 6: kind of thing.

446
00:19:06,480 --> 00:19:08,159
Speaker 2: I think, if you're going to get to a restaurant

447
00:19:08,240 --> 00:19:10,680
Speaker 2: or a hotel whatever, if you mentioned that it's like

448
00:19:10,720 --> 00:19:14,160
Speaker 2: an anniversary or a birthday, things like that or whatever

449
00:19:14,240 --> 00:19:16,359
Speaker 2: it is you. I mean, this has happened to me

450
00:19:16,400 --> 00:19:20,560
Speaker 2: a couple of times. Okay, yes, we walked into me

451
00:19:20,680 --> 00:19:22,639
Speaker 2: and my best friendly have stated the soft tail for

452
00:19:22,800 --> 00:19:24,119
Speaker 2: no reason. We just had a bunch of money one

453
00:19:24,160 --> 00:19:26,040
Speaker 2: day and were like, let's just go crazy as we

454
00:19:26,080 --> 00:19:27,720
Speaker 2: say the soft tail. We told them that we were

455
00:19:27,800 --> 00:19:30,600
Speaker 2: dating into our anniversary. We got bottle of champagne. We

456
00:19:30,760 --> 00:19:36,119
Speaker 2: got macaroons, macaroons that we call them all macaroons and macarons,

457
00:19:37,200 --> 00:19:42,800
Speaker 2: the circle caron French ones, and the macaroons they actually

458
00:19:42,840 --> 00:19:46,120
Speaker 2: coconut based. Oh that's try it. Yes, not, they're delicious

459
00:19:46,160 --> 00:19:48,240
Speaker 2: coconut ones. The other ones and.

460
00:19:50,080 --> 00:19:50,639
Speaker 4: Macaroon.

461
00:19:50,960 --> 00:19:55,720
Speaker 2: Oh well, now that's as hurting macaron.

462
00:19:56,000 --> 00:19:57,679
Speaker 4: Everyone's already stopped listening.

463
00:19:59,040 --> 00:20:01,680
Speaker 6: By guys. If you're still here, thank you so much.

464
00:20:02,119 --> 00:20:03,960
Speaker 2: But yeah, I just I'll just say, you know, throw

465
00:20:04,000 --> 00:20:05,600
Speaker 2: it in there, just say it's an anniversary, a birthday.

466
00:20:05,600 --> 00:20:06,359
Speaker 2: Will see whatever.

467
00:20:07,320 --> 00:20:09,440
Speaker 5: Just remember if you go to the same place multiple times,

468
00:20:09,480 --> 00:20:10,920
Speaker 5: they might put like a note on your file.

469
00:20:11,320 --> 00:20:12,440
Speaker 2: So that's true.

470
00:20:12,560 --> 00:20:15,879
Speaker 3: Yes, just switch up your hotels and hotels all the

471
00:20:16,000 --> 00:20:17,680
Speaker 3: time for the free champagne.

472
00:20:17,920 --> 00:20:19,400
Speaker 4: You're probably can afford the shit pain.

473
00:20:19,560 --> 00:20:20,880
Speaker 2: True, that's true.

474
00:20:21,160 --> 00:20:23,040
Speaker 6: That's true. So maybe if you have enough money to

475
00:20:23,080 --> 00:20:24,680
Speaker 6: be going to these places, don't be doing it.

476
00:20:24,920 --> 00:20:25,800
Speaker 2: Just kidding you can still.

477
00:20:25,960 --> 00:20:28,639
Speaker 3: But also I find it low key embarrassing at restaurants

478
00:20:28,680 --> 00:20:30,280
Speaker 3: if they know it's my birthday and they come across.

479
00:20:31,680 --> 00:20:34,359
Speaker 3: So like, if anybody goes to lunch with me and

480
00:20:34,480 --> 00:20:37,520
Speaker 3: it's my birthday, I will actually find you and I

481
00:20:37,720 --> 00:20:38,399
Speaker 3: will harm you.

482
00:20:39,040 --> 00:20:46,560
Speaker 2: I love it. Everyone looks like everyone's attention For a second.

483
00:20:46,800 --> 00:20:49,040
Speaker 3: I was at dinner the other night celebrating our actual

484
00:20:49,160 --> 00:20:51,399
Speaker 3: like my wedding anniversary with my husband a couple of

485
00:20:51,480 --> 00:20:54,879
Speaker 3: weeks ago, and it happened to a table like they

486
00:20:54,920 --> 00:20:57,480
Speaker 3: were having a birthday, and like the waiters were like

487
00:20:57,560 --> 00:21:00,200
Speaker 3: clapping in the air, and all the other tables got involve, don't.

488
00:21:00,240 --> 00:21:02,280
Speaker 3: I just had secondhand embarrassment. I was like, I'm so

489
00:21:02,560 --> 00:21:05,159
Speaker 3: glad that when we booked we didn't tell anybody why

490
00:21:05,200 --> 00:21:07,239
Speaker 3: we were coming. And when they when they were like, oh,

491
00:21:07,240 --> 00:21:09,320
Speaker 3: are you celebrating anything special? When we walked in, I

492
00:21:09,400 --> 00:21:11,440
Speaker 3: was like, Nah, can't we just come here all the

493
00:21:11,520 --> 00:21:16,960
Speaker 3: time with my brother? Yeah, we're coming for a pub?

494
00:21:17,720 --> 00:21:21,359
Speaker 2: Yeah, yeah, exactly, what's yours mind's bit of it like

495
00:21:21,400 --> 00:21:23,280
Speaker 2: a money win but also like a broke tip. But

496
00:21:23,320 --> 00:21:25,119
Speaker 2: it's all it's kind of common knowledge anyway. So I

497
00:21:25,200 --> 00:21:28,960
Speaker 2: bought these like sashets sashets from woods. You can also

498
00:21:29,000 --> 00:21:30,920
Speaker 2: get really good ones Frowndy. You know, there's like cappuccino

499
00:21:31,000 --> 00:21:34,879
Speaker 2: ones minimal like minimal sugar, like if not you know,

500
00:21:35,480 --> 00:21:39,280
Speaker 2: I sugar personally, but if you're like conscious of that,

501
00:21:39,520 --> 00:21:42,160
Speaker 2: we can't get the ones. It's just like a little

502
00:21:42,200 --> 00:21:45,720
Speaker 2: bit milky, a little bit coffee, you know, just they're.

503
00:21:45,560 --> 00:21:47,920
Speaker 3: Full of like palm oil. But you just don't think

504
00:21:47,960 --> 00:21:50,360
Speaker 3: about it too. I don't know, but I just start

505
00:21:50,400 --> 00:21:52,560
Speaker 3: out of mind. Yeah, exactly, Like they're good for the.

506
00:21:52,640 --> 00:21:56,320
Speaker 2: Soul, totally, totally, but I would say, yeah, if you can,

507
00:21:56,680 --> 00:21:59,040
Speaker 2: hopefully you can find an ethical one that's sourced.

508
00:21:59,280 --> 00:22:01,600
Speaker 3: Oh no, no, no, I doesn't even talk about ethics.

509
00:22:01,640 --> 00:22:04,680
Speaker 3: I'm talking about you're healthier to fix, sure, but like

510
00:22:04,840 --> 00:22:06,200
Speaker 3: they're probably just full of trash.

511
00:22:06,359 --> 00:22:09,720
Speaker 2: Hey, that's okay. Basically what I do is I every

512
00:22:09,760 --> 00:22:11,920
Speaker 2: time I make myself one of those, I put my

513
00:22:12,000 --> 00:22:13,600
Speaker 2: soy milk. I got those little like you know, there's

514
00:22:13,600 --> 00:22:15,199
Speaker 2: one dollar like the buzzers.

515
00:22:15,320 --> 00:22:17,280
Speaker 4: Yeah, the but of those, that's exactly how I.

516
00:22:17,320 --> 00:22:19,479
Speaker 2: Do it too, Yes, and you just froth your your

517
00:22:19,520 --> 00:22:21,520
Speaker 2: milk like that and it actually turns out pretty similar.

518
00:22:21,800 --> 00:22:23,880
Speaker 2: So every time I do that, because it's like ten

519
00:22:23,960 --> 00:22:25,960
Speaker 2: pack for five bucks, it's.

520
00:22:27,520 --> 00:22:28,720
Speaker 4: They often go on sale.

521
00:22:29,200 --> 00:22:31,240
Speaker 2: They do often go on sale, and they actually taste

522
00:22:31,560 --> 00:22:32,320
Speaker 2: really delicious.

523
00:22:32,400 --> 00:22:34,520
Speaker 3: My favorite is I think it's is it Nest Cafe,

524
00:22:34,920 --> 00:22:37,600
Speaker 3: but they have a milky bar one, so it's coffee.

525
00:22:39,480 --> 00:22:41,960
Speaker 3: I told you I don't pick the healthy ones, butter delicious.

526
00:22:42,280 --> 00:22:42,960
Speaker 2: That doesn't sound good.

527
00:22:43,080 --> 00:22:44,120
Speaker 6: Yeah, that just sounds great.

528
00:22:44,359 --> 00:22:46,239
Speaker 2: So yeah, you just make Basically every time I make

529
00:22:46,280 --> 00:22:48,400
Speaker 2: one of those, I would usually have spent six dollars

530
00:22:48,440 --> 00:22:49,240
Speaker 2: fifty on my coffee.

531
00:22:49,240 --> 00:22:50,159
Speaker 6: That's how much my coffee is.

532
00:22:50,400 --> 00:22:52,440
Speaker 2: Because you get the large, boy, I do get a

533
00:22:52,560 --> 00:22:54,840
Speaker 2: large and soy milk. So every time I do that,

534
00:22:55,320 --> 00:22:58,560
Speaker 2: instead of paying for the coffee, I transfer that exact

535
00:22:58,560 --> 00:23:01,960
Speaker 2: amount to Shade a Genieah. Right now have nothing because

536
00:23:01,960 --> 00:23:04,359
Speaker 2: I have depleted that account again. But the money was

537
00:23:04,440 --> 00:23:08,000
Speaker 2: there for you to deplete exactly exactly, so you don't

538
00:23:08,000 --> 00:23:09,600
Speaker 2: think about it because you're just buying coffees and then

539
00:23:09,640 --> 00:23:12,600
Speaker 2: that money's gone. Now has to say things.

540
00:23:12,480 --> 00:23:16,760
Speaker 3: Account you're saying sorry, sorry, have you been playing with

541
00:23:16,840 --> 00:23:17,800
Speaker 3: your budget in cash flo.

542
00:23:17,880 --> 00:23:20,360
Speaker 2: It's a little bit you know, nothing to write home

543
00:23:20,480 --> 00:23:23,080
Speaker 2: out at the moment, but it exists. It exists now.

544
00:23:23,280 --> 00:23:24,960
Speaker 4: Yeah, I'm so proud of.

545
00:23:26,680 --> 00:23:29,760
Speaker 2: Yeah, if you'll be thank you so much. Doesn't feel good,

546
00:23:30,000 --> 00:23:32,480
Speaker 2: it feels really good. Looks like sometimes it's thirteen bucks

547
00:23:32,480 --> 00:23:34,879
Speaker 2: in there, but that's still more than enough for me.

548
00:23:35,240 --> 00:23:38,600
Speaker 2: That is so much more than you didn't have exactly,

549
00:23:38,800 --> 00:23:40,920
Speaker 2: And I feel like so many people like, what's the point.

550
00:23:41,000 --> 00:23:43,160
Speaker 3: And it's like even if over a year, like let's

551
00:23:43,160 --> 00:23:45,959
Speaker 3: be honest, times are freaking tough, even if every year

552
00:23:46,040 --> 00:23:48,399
Speaker 3: you end up with like fifty bucks in that account

553
00:23:49,119 --> 00:23:53,280
Speaker 3: bill pops up like you have cash instead of having

554
00:23:53,359 --> 00:23:55,800
Speaker 3: to rely on debt like and it feels good knowing

555
00:23:55,880 --> 00:23:57,199
Speaker 3: that there's some money sitting to the.

556
00:23:57,320 --> 00:24:01,560
Speaker 2: Side, exactly, lean on exactly. It's a good feeling. Yes,

557
00:24:02,520 --> 00:24:05,960
Speaker 2: that's me. I love this for you, so so much,

558
00:24:06,320 --> 00:24:06,800
Speaker 2: so much.

559
00:24:07,040 --> 00:24:09,399
Speaker 3: All right, let's go to a really quick break because

560
00:24:09,480 --> 00:24:12,439
Speaker 3: on the flip side, I'm really excited to talk about this. First,

561
00:24:12,600 --> 00:24:14,159
Speaker 3: we're going to be talking about whether you need to

562
00:24:14,200 --> 00:24:16,160
Speaker 3: tell your bank if you move and start renting out

563
00:24:16,200 --> 00:24:19,560
Speaker 3: your home, which is very relevant because I talk about

564
00:24:19,720 --> 00:24:21,040
Speaker 3: purchasing homes all the time.

565
00:24:21,680 --> 00:24:22,960
Speaker 2: But then something a.

566
00:24:22,960 --> 00:24:25,200
Speaker 3: Little bit spicy that you split into our dms about

567
00:24:25,240 --> 00:24:27,520
Speaker 3: this week, we're going to be asking what happens to

568
00:24:27,640 --> 00:24:30,000
Speaker 3: the money you've already paid when you drop out.

569
00:24:29,840 --> 00:24:30,760
Speaker 4: Of the bridle party.

570
00:24:31,400 --> 00:24:32,800
Speaker 3: I'm going to need to know why you dropped out

571
00:24:32,800 --> 00:24:33,440
Speaker 3: of the bridal party.

572
00:24:33,960 --> 00:24:36,640
Speaker 4: There's just so much there. All right, guys, don't go anywhere.

573
00:24:40,720 --> 00:24:43,119
Speaker 2: Welcome back everyone. Let's take a listen to this week's

574
00:24:43,160 --> 00:24:43,920
Speaker 2: money dilemma.

575
00:24:46,560 --> 00:24:48,879
Speaker 3: Hi, there, have you got a money dilemma you just

576
00:24:48,960 --> 00:24:51,439
Speaker 3: can't solve? The Sheese on the Money Team is here

577
00:24:51,520 --> 00:24:54,720
Speaker 3: to help. Every week we tackle your dilemmas both big

578
00:24:54,800 --> 00:24:57,480
Speaker 3: and small to answer your most burning money, career and

579
00:24:57,600 --> 00:25:00,840
Speaker 3: life questions. To get involved, simply to our website and

580
00:25:00,960 --> 00:25:03,040
Speaker 3: leave us a short voice recording and you might just

581
00:25:03,119 --> 00:25:04,200
Speaker 3: find yourself on the show.

582
00:25:04,680 --> 00:25:07,280
Speaker 4: Now, let's take a listen to this week's money dilemma.

583
00:25:10,520 --> 00:25:13,879
Speaker 7: Hi, team, My money dilemma is that I'm thinking of

584
00:25:13,960 --> 00:25:16,720
Speaker 7: renting out the property that I've lived in and owned

585
00:25:16,760 --> 00:25:19,960
Speaker 7: for six years while I go work into state for

586
00:25:20,080 --> 00:25:22,480
Speaker 7: one or two years. But does this mean I have

587
00:25:22,640 --> 00:25:26,719
Speaker 7: to change my home loan to an investment loan? They

588
00:25:26,800 --> 00:25:29,800
Speaker 7: often have high interest rates. I plan on returning to

589
00:25:29,920 --> 00:25:32,320
Speaker 7: the property and living it and again in one to

590
00:25:32,440 --> 00:25:35,399
Speaker 7: two years. Just wasn't really sure if I have to

591
00:25:35,480 --> 00:25:37,960
Speaker 7: tell my bank if I rent out my property for

592
00:25:38,040 --> 00:25:38,720
Speaker 7: a short time.

593
00:25:39,400 --> 00:25:41,680
Speaker 2: Thanks, I'm going to be so for real.

594
00:25:41,880 --> 00:25:43,560
Speaker 5: I didn't even know that investor loans were a thing,

595
00:25:44,000 --> 00:25:45,800
Speaker 5: much less what the difference is or what you do

596
00:25:45,920 --> 00:25:46,200
Speaker 5: with them.

597
00:25:46,280 --> 00:25:48,120
Speaker 2: So to handle this one straight.

598
00:25:47,920 --> 00:25:51,920
Speaker 3: To it, Well, Jess, you wouldn't know that because the

599
00:25:52,040 --> 00:25:55,240
Speaker 3: process that you're going through, and when you sat down

600
00:25:55,359 --> 00:25:57,480
Speaker 3: with one of the Zella money brokers, they would have

601
00:25:57,520 --> 00:25:59,320
Speaker 3: said what do you want and you said, I want

602
00:25:59,320 --> 00:26:01,120
Speaker 3: to purchase my own home, and they would have said,

603
00:26:01,520 --> 00:26:03,320
Speaker 3: do you plan a living in the property, and you

604
00:26:03,359 --> 00:26:04,840
Speaker 3: would have said, absolutely, I do.

605
00:26:04,960 --> 00:26:05,720
Speaker 4: I'm very excited.

606
00:26:05,800 --> 00:26:07,240
Speaker 3: So they would have gone down the root of what's

607
00:26:07,280 --> 00:26:11,080
Speaker 3: called an owner occupy a loan, and those usually carry

608
00:26:11,480 --> 00:26:15,840
Speaker 3: lower interest rates than an investment property loan. And there's

609
00:26:15,840 --> 00:26:18,120
Speaker 3: a number of different reasons for this. Obviously, the risk

610
00:26:18,240 --> 00:26:20,280
Speaker 3: is higher when it's an investment because it's not your

611
00:26:20,320 --> 00:26:23,760
Speaker 3: family home, more likely to be like damaged or whatnot.

612
00:26:24,160 --> 00:26:27,480
Speaker 3: But then also you're able to claim an investment on

613
00:26:27,680 --> 00:26:30,919
Speaker 3: tasks of course, right, so the bankers, I won't say

614
00:26:30,920 --> 00:26:33,560
Speaker 3: they're taking advantage, but like, I don't like that they're different,

615
00:26:33,600 --> 00:26:35,680
Speaker 3: but they are very different. In fact, there's been a

616
00:26:35,720 --> 00:26:37,399
Speaker 3: few times, and this is why you have to be

617
00:26:37,520 --> 00:26:42,120
Speaker 3: really honest with your broker when you know a broker

618
00:26:42,240 --> 00:26:45,840
Speaker 3: has been applying for an owner OC loan, so they've

619
00:26:45,840 --> 00:26:47,879
Speaker 3: been applying for the loan where you're going to live

620
00:26:47,920 --> 00:26:50,160
Speaker 3: in the property, and then the client's like, yeah, yeah,

621
00:26:50,160 --> 00:26:52,760
Speaker 3: I'm going to rent it out, and their broker's like, ah,

622
00:26:53,480 --> 00:26:56,360
Speaker 3: I can't legally sign you up to this, because once

623
00:26:56,400 --> 00:27:00,359
Speaker 3: your broker knows some information, they can't not do anything.

624
00:27:00,400 --> 00:27:02,720
Speaker 3: About it, like we are you know, at the end

625
00:27:02,720 --> 00:27:05,440
Speaker 3: of the day, ethical and moral and like we can't

626
00:27:05,760 --> 00:27:07,480
Speaker 3: lie on your behalf to a bank, like we don't

627
00:27:07,520 --> 00:27:09,280
Speaker 3: want to lose our license even if you're like, but

628
00:27:09,400 --> 00:27:11,399
Speaker 3: I just want the only OK loan because it'll be

629
00:27:11,560 --> 00:27:14,200
Speaker 3: lower interest rate, Like I get that, But also the

630
00:27:14,320 --> 00:27:18,520
Speaker 3: investment is what lines you up? So too long didn't read. Yes,

631
00:27:18,600 --> 00:27:20,320
Speaker 3: you do need to tell your bank that you're moving.

632
00:27:20,400 --> 00:27:22,880
Speaker 3: It's actually in your terms and conditions of the line

633
00:27:22,920 --> 00:27:24,359
Speaker 3: that you have with your bank. Yeah, there are a

634
00:27:24,400 --> 00:27:26,560
Speaker 3: heap of them. So when you sign up, you'll get

635
00:27:26,560 --> 00:27:28,720
Speaker 3: all your banking docs and in that it will say

636
00:27:28,800 --> 00:27:31,239
Speaker 3: if you move, you need to tell us. Also, did

637
00:27:31,320 --> 00:27:33,040
Speaker 3: you know you need to tell your bank if you're renovating.

638
00:27:33,680 --> 00:27:35,720
Speaker 4: Really, yeah, you need to tell your bank.

639
00:27:37,800 --> 00:27:41,480
Speaker 3: But like they technically own your property, Jess, Like they're

640
00:27:41,520 --> 00:27:44,680
Speaker 3: the ones that have looked at your property and gone, hey, Jess,

641
00:27:44,800 --> 00:27:46,600
Speaker 3: we are going to lend some money to you to

642
00:27:46,680 --> 00:27:50,000
Speaker 3: purchase this particular property and they're putting a security over

643
00:27:50,080 --> 00:27:53,840
Speaker 3: that property that if hypothetically Jess wasn't funny anymore and

644
00:27:53,920 --> 00:27:56,800
Speaker 3: she left, she's on the money and she lost a job.

645
00:27:57,400 --> 00:28:00,000
Speaker 3: Like they could sell the property and make their money.

646
00:28:00,480 --> 00:28:03,960
Speaker 3: But if you bulldoze the bloody house, yeah it's worthless.

647
00:28:04,600 --> 00:28:06,800
Speaker 3: So they don't want you to do that without approval.

648
00:28:06,880 --> 00:28:10,200
Speaker 3: So this is where reading your terms and conditions is

649
00:28:10,280 --> 00:28:12,240
Speaker 3: really important because it will say in your terms and

650
00:28:12,280 --> 00:28:14,960
Speaker 3: conditions that you need to keep the bank aware of

651
00:28:15,080 --> 00:28:18,280
Speaker 3: this any changes. Even if you go, oh, it's only

652
00:28:18,359 --> 00:28:20,760
Speaker 3: small and just redoing the bathrooms, bank needs to note

653
00:28:20,760 --> 00:28:22,880
Speaker 3: they're not going to care that much. But also it'll

654
00:28:22,920 --> 00:28:25,080
Speaker 3: probably add to the value, so it's not a bad thing.

655
00:28:25,160 --> 00:28:27,320
Speaker 3: But if you're moving out, you do need to talk

656
00:28:27,920 --> 00:28:28,560
Speaker 3: to somebody.

657
00:28:28,920 --> 00:28:29,760
Speaker 2: I have heard.

658
00:28:29,680 --> 00:28:32,480
Speaker 3: Stories is because I like live on oz finance on

659
00:28:32,600 --> 00:28:35,639
Speaker 3: Reddit where someone was literally dabbed in by a friend

660
00:28:36,160 --> 00:28:36,680
Speaker 3: to their bank.

661
00:28:36,840 --> 00:28:38,800
Speaker 2: Isn't the dodge that's so many?

662
00:28:39,520 --> 00:28:40,720
Speaker 4: Exactly so bad?

663
00:28:41,040 --> 00:28:43,640
Speaker 3: They were dubbed in by their friend who called the

664
00:28:43,680 --> 00:28:45,720
Speaker 3: bank and said, did you know that Jess has moved

665
00:28:45,760 --> 00:28:47,800
Speaker 3: out of the property and is no longer owner? Ok,

666
00:28:48,080 --> 00:28:51,680
Speaker 3: and the bank just changed their loan without any conversation,

667
00:28:51,960 --> 00:28:54,720
Speaker 3: without any permission, up to a higher interest rate and

668
00:28:54,840 --> 00:28:57,400
Speaker 3: moved them over to an investment loan as opposed to

669
00:28:57,640 --> 00:29:00,440
Speaker 3: an owner OK loan, And like I was like, through.

670
00:29:00,640 --> 00:29:02,680
Speaker 6: Do they didn't even check to make sure this is mine.

671
00:29:02,720 --> 00:29:06,840
Speaker 3: I know. Anyway, I just thought that's obviously one dog

672
00:29:06,960 --> 00:29:09,920
Speaker 3: of your friend to tell you in that is not

673
00:29:10,040 --> 00:29:13,440
Speaker 3: a friend indeed. But also I didn't realize that they

674
00:29:13,520 --> 00:29:16,640
Speaker 3: took it as seriously, Whereas we've dealt with clients who

675
00:29:16,680 --> 00:29:18,880
Speaker 3: are like, oh, V, because obviously I own a mortgage

676
00:29:18,880 --> 00:29:20,760
Speaker 3: breaking company r V, We're going to move out of

677
00:29:20,840 --> 00:29:23,360
Speaker 3: the property and do X Y Z, and it's fine.

678
00:29:23,440 --> 00:29:25,640
Speaker 3: We've called the bank on their behalf, and some banks

679
00:29:25,680 --> 00:29:28,080
Speaker 3: are like, oh, what's their plan. Oh, they're moving back

680
00:29:28,160 --> 00:29:30,240
Speaker 3: in in six months. They're just moving. The bank's like,

681
00:29:30,320 --> 00:29:32,280
Speaker 3: don't worry, we've put it on file. They're not going

682
00:29:32,360 --> 00:29:34,560
Speaker 3: to change it because they're going to be moving back in.

683
00:29:35,120 --> 00:29:38,440
Speaker 3: But it's a conversation to have with your your lender,

684
00:29:38,840 --> 00:29:41,120
Speaker 3: because at the end of the day, it's all about risk.

685
00:29:41,200 --> 00:29:43,720
Speaker 3: It's all about making sure that you're doing the right thing.

686
00:29:44,240 --> 00:29:46,200
Speaker 3: And they could actually be like, hey, we're no longer

687
00:29:46,280 --> 00:29:47,040
Speaker 3: going to lend.

688
00:29:46,920 --> 00:29:48,600
Speaker 2: To you, so you need to sell up the property.

689
00:29:48,800 --> 00:29:53,440
Speaker 3: Oh scary really what they found out. If they found out,

690
00:29:53,480 --> 00:29:56,080
Speaker 3: they could absolutely take action. At the end of the day,

691
00:29:56,120 --> 00:29:58,000
Speaker 3: if you're renting out your home while paying it off.

692
00:29:58,040 --> 00:30:02,040
Speaker 3: It has to be an investment loan back. It's not sexy,

693
00:30:02,080 --> 00:30:04,920
Speaker 3: it's not nice because obviously it's a higher interest rate.

694
00:30:05,400 --> 00:30:09,600
Speaker 3: But if you do decide while you are living in

695
00:30:09,680 --> 00:30:12,480
Speaker 3: your home to rent out your home and go from

696
00:30:12,520 --> 00:30:15,720
Speaker 3: an owner occupy alone, you're probably going to need to refinance.

697
00:30:16,240 --> 00:30:19,720
Speaker 3: And if you lie, there are some pretty serious consequences.

698
00:30:19,800 --> 00:30:21,800
Speaker 3: I mean, they'll give you warning. But one of the

699
00:30:21,920 --> 00:30:24,600
Speaker 3: examples when I was looking into some terms and conditions

700
00:30:24,880 --> 00:30:27,320
Speaker 3: is that the bank, this bank that I looked into

701
00:30:27,520 --> 00:30:31,120
Speaker 3: not naming and shaming, the bank said you've got thirty

702
00:30:31,200 --> 00:30:33,000
Speaker 3: days to pay off the balance that is owing, at

703
00:30:33,040 --> 00:30:35,320
Speaker 3: which point the lender might sell the property to recoup

704
00:30:35,360 --> 00:30:38,480
Speaker 3: the money. With that, it feels aggressive, so it can

705
00:30:38,600 --> 00:30:42,280
Speaker 3: be really aggressive. But it's really important to understand that guys,

706
00:30:42,360 --> 00:30:46,520
Speaker 3: it's twenty twenty four and data matching and whatnot exists,

707
00:30:46,760 --> 00:30:50,160
Speaker 3: and the bank will report to the ATO because the

708
00:30:50,200 --> 00:30:52,400
Speaker 3: ATO is going to care about what you're claiming. Right,

709
00:30:52,520 --> 00:30:54,640
Speaker 3: So if you move out of your property, you're probably

710
00:30:54,680 --> 00:30:57,400
Speaker 3: thinking it's an investment. Now I'm going to be able

711
00:30:57,440 --> 00:31:00,560
Speaker 3: to claim a heap of expenses and you're claiming in things.

712
00:31:00,600 --> 00:31:02,920
Speaker 3: But then the bank finds out that you're not actually

713
00:31:03,040 --> 00:31:05,760
Speaker 3: paying the right loan, you could be found out, so

714
00:31:05,880 --> 00:31:08,800
Speaker 3: it's not like they aren't on top of it. And

715
00:31:08,960 --> 00:31:12,640
Speaker 3: banks and lenders all have their own processes for checking

716
00:31:12,720 --> 00:31:15,800
Speaker 3: on whether you are actually an owner occupier, and banks

717
00:31:15,880 --> 00:31:18,200
Speaker 3: are going to have their own processes for checking if

718
00:31:18,240 --> 00:31:20,440
Speaker 3: you are an owner occupier or not. So they might

719
00:31:20,560 --> 00:31:22,440
Speaker 3: check if you live at the property for the majority

720
00:31:22,480 --> 00:31:24,760
Speaker 3: of the year. They might have a look at your documentation,

721
00:31:25,240 --> 00:31:27,720
Speaker 3: so they might request a tax return and see that

722
00:31:27,920 --> 00:31:30,440
Speaker 3: your tax return or your driver's license doesn't have that

723
00:31:30,520 --> 00:31:32,720
Speaker 3: address on it, it has the house that you live in.

724
00:31:33,520 --> 00:31:36,640
Speaker 3: Or they might see someone apply for a loan and go,

725
00:31:37,080 --> 00:31:39,200
Speaker 3: that address is Jess's house.

726
00:31:39,880 --> 00:31:42,280
Speaker 4: Ah, what's going on there?

727
00:31:42,400 --> 00:31:45,760
Speaker 3: Did two families live at that address? And then you go, no, no, no,

728
00:31:45,880 --> 00:31:48,640
Speaker 3: we're renting it off Jess. So I think it's really

729
00:31:49,080 --> 00:31:52,760
Speaker 3: important to just be on top of it and be truthful.

730
00:31:52,840 --> 00:31:54,320
Speaker 3: It doesn't mean that the bank is going to charge

731
00:31:54,360 --> 00:31:56,240
Speaker 3: you through your nose, but it could also be something

732
00:31:56,320 --> 00:31:59,720
Speaker 3: that you call the bank and ask them, hey, what

733
00:32:00,200 --> 00:32:01,360
Speaker 3: happen if I moved out?

734
00:32:01,640 --> 00:32:04,080
Speaker 2: Hypothetically it's the process, but also.

735
00:32:04,080 --> 00:32:06,320
Speaker 3: That should be a part of your decision making process

736
00:32:06,360 --> 00:32:08,280
Speaker 3: if you are planning on taking like a job out

737
00:32:08,320 --> 00:32:10,920
Speaker 3: of state or something, to make sure that you're not

738
00:32:11,200 --> 00:32:12,560
Speaker 3: financially putting yourself behind.

739
00:32:12,840 --> 00:32:13,560
Speaker 2: Yeah, totally.

740
00:32:14,200 --> 00:32:17,160
Speaker 3: Anyway, I know you guys are shocked by that, But nothing.

741
00:32:16,920 --> 00:32:18,840
Speaker 2: To add for me except I had no idea that

742
00:32:18,920 --> 00:32:21,440
Speaker 2: that was a thing. You're like, that's crazy, Yeah, filing that.

743
00:32:21,440 --> 00:32:22,000
Speaker 4: Away for later.

744
00:32:22,600 --> 00:32:24,280
Speaker 2: The only thing I want add is, I'm assuming this

745
00:32:24,560 --> 00:32:28,960
Speaker 2: makes rental prices higher than the maybe should be for

746
00:32:29,400 --> 00:32:32,080
Speaker 2: because of the higher cost and a loan exactly.

747
00:32:32,200 --> 00:32:35,640
Speaker 3: Well, yeah, and that's something to take into consideration as well.

748
00:32:35,680 --> 00:32:38,080
Speaker 3: And I mean there's a lot of conversation about being

749
00:32:38,120 --> 00:32:41,080
Speaker 3: an ethical landlord, and like there's a very big push

750
00:32:41,200 --> 00:32:43,720
Speaker 3: when it comes to people who are purchasing property right

751
00:32:43,760 --> 00:32:45,360
Speaker 3: and you hear it on money daries where they're like, oh,

752
00:32:45,400 --> 00:32:48,160
Speaker 3: I have a positively gid property where the amount of

753
00:32:48,240 --> 00:32:51,120
Speaker 3: money that they earn from their property in rent actually

754
00:32:51,240 --> 00:32:54,840
Speaker 3: covers all of the mortgage. And that's really attractive. But

755
00:32:55,320 --> 00:32:58,920
Speaker 3: if cost of living happens and your interest rate increases

756
00:32:59,480 --> 00:33:02,600
Speaker 3: but you're hasn't increased, that's why a lot of landlords

757
00:33:02,640 --> 00:33:04,160
Speaker 3: would then turn around and be like, hey, Beck I'm

758
00:33:04,200 --> 00:33:06,520
Speaker 3: going to increase your rent because they don't want to

759
00:33:06,560 --> 00:33:08,280
Speaker 3: be financially out for it. And I think at some

760
00:33:08,440 --> 00:33:11,160
Speaker 3: point you need to be an ethical landlord and say, hey,

761
00:33:11,320 --> 00:33:13,280
Speaker 3: I took this on as an investment, and one of

762
00:33:13,320 --> 00:33:15,280
Speaker 3: the risks was that at some point I would have

763
00:33:15,360 --> 00:33:17,520
Speaker 3: to tip in some of my own money. It's actually

764
00:33:17,600 --> 00:33:21,880
Speaker 3: not Bex or Jess's responsibility to pay more on my

765
00:33:22,000 --> 00:33:24,920
Speaker 3: mortgage just because the bank's now charging me more like

766
00:33:25,440 --> 00:33:27,240
Speaker 3: I think you should be charged market value.

767
00:33:27,240 --> 00:33:29,600
Speaker 4: But that's probably a whole damn podcast in itself.

768
00:33:29,720 --> 00:33:32,440
Speaker 2: Sure, true, just got served a notice of INTA again.

769
00:33:33,000 --> 00:33:33,600
Speaker 2: It's been a year.

770
00:33:34,360 --> 00:33:36,800
Speaker 3: Oh, I feel like time does fly when you're having fun,

771
00:33:36,880 --> 00:33:37,200
Speaker 3: doesn't it?

772
00:33:38,160 --> 00:33:41,760
Speaker 2: How much thirty bucks a week? Yeah? Like an actually

773
00:33:41,760 --> 00:33:43,040
Speaker 2: thirty bucks a week? Because when I first art, I

774
00:33:43,080 --> 00:33:44,400
Speaker 2: was like, oh, thirty box month, that's not so bad.

775
00:33:44,440 --> 00:33:47,440
Speaker 2: Like obviously you're taking the meeky week. So it's literally

776
00:33:47,440 --> 00:33:48,840
Speaker 2: like another hundred bucks a month.

777
00:33:49,240 --> 00:33:51,560
Speaker 4: Be for real. You can't even get brunch these days

778
00:33:51,600 --> 00:33:52,640
Speaker 4: for thirty dollars a week?

779
00:33:52,800 --> 00:33:53,000
Speaker 3: Yeah?

780
00:33:53,360 --> 00:33:53,719
Speaker 2: Crazy?

781
00:33:54,320 --> 00:33:54,880
Speaker 5: Hey that for me?

782
00:33:55,280 --> 00:33:55,640
Speaker 7: All right?

783
00:33:55,760 --> 00:33:58,720
Speaker 3: Well, are you ready to stop this conversation and go

784
00:33:58,880 --> 00:34:02,720
Speaker 3: into our spicyd Absolutely? All right, so here's the damn

785
00:34:02,760 --> 00:34:05,200
Speaker 3: we received. Hi, she's on the money team. I would

786
00:34:05,280 --> 00:34:07,760
Speaker 3: love to hear your thoughts on this. I was part

787
00:34:07,800 --> 00:34:10,320
Speaker 3: of a bridal party, and four months out from the wedding,

788
00:34:10,480 --> 00:34:12,959
Speaker 3: due to personal reasons, I decided I could no longer

789
00:34:13,000 --> 00:34:15,680
Speaker 3: fulfill this role. I had transferred my share of the

790
00:34:15,760 --> 00:34:19,399
Speaker 3: payment for accommodation for a Hens weekend and was told

791
00:34:19,440 --> 00:34:23,400
Speaker 3: I wouldn't receive this back upon deciding to no longer go. However,

792
00:34:23,640 --> 00:34:26,360
Speaker 3: the Hen's party has just gone and I've seen that

793
00:34:26,440 --> 00:34:28,640
Speaker 3: they didn't stay at the apartment we had booked, and

794
00:34:29,200 --> 00:34:33,160
Speaker 3: I thought we paid for. The accommodation provider's websites state

795
00:34:33,280 --> 00:34:37,000
Speaker 3: that they don't take prepayment and provides a full refund

796
00:34:37,200 --> 00:34:39,560
Speaker 3: up until a week prior to the booking. It doesn't

797
00:34:39,560 --> 00:34:41,840
Speaker 3: seem right that they used my money to book and

798
00:34:42,080 --> 00:34:45,200
Speaker 3: or pay for something else. Is it reasonable to want

799
00:34:45,239 --> 00:34:46,319
Speaker 3: my share of the payment back?

800
00:34:46,760 --> 00:34:47,120
Speaker 4: Thanks.

801
00:34:47,800 --> 00:34:48,360
Speaker 2: I don't like it.

802
00:34:48,400 --> 00:34:49,800
Speaker 6: I don't like it. I don't like it. It feels

803
00:34:49,880 --> 00:34:50,319
Speaker 6: very icky.

804
00:34:50,600 --> 00:34:52,600
Speaker 4: It feels like it just got worse as I read

805
00:34:52,600 --> 00:34:53,800
Speaker 4: it out, didn't I yeah.

806
00:34:53,920 --> 00:34:56,920
Speaker 2: Seriously did. Because it's like, let's ignore the fact that

807
00:34:57,480 --> 00:35:01,440
Speaker 2: maybe someone somewhere must have lied about the pre payment situation.

808
00:35:01,840 --> 00:35:05,960
Speaker 2: Ew but like someone's idea is that like, oh, he's

809
00:35:06,000 --> 00:35:07,959
Speaker 2: a pool of money, and with this pool of money,

810
00:35:08,320 --> 00:35:12,160
Speaker 2: we will either you know, book this really fancy hotel

811
00:35:12,239 --> 00:35:15,280
Speaker 2: or whatever. It's like, that's not actually how it is working.

812
00:35:15,400 --> 00:35:18,719
Speaker 2: It's like everyone's paying their own kind of slice of

813
00:35:18,760 --> 00:35:21,919
Speaker 2: the pie. And if the pie is now smaller then

814
00:35:22,560 --> 00:35:25,440
Speaker 2: because I'm assuming that someone collected all the money for

815
00:35:25,680 --> 00:35:28,759
Speaker 2: say ten people, and then one person pulls out and like,

816
00:35:28,880 --> 00:35:31,360
Speaker 2: oh cool, we have the money for ten, but we

817
00:35:31,719 --> 00:35:33,960
Speaker 2: now just have to divide it by nine, you know.

818
00:35:34,120 --> 00:35:37,560
Speaker 2: And it's like that I understand if you couldn't get

819
00:35:37,560 --> 00:35:39,160
Speaker 2: your money back, you still have to stay at the

820
00:35:39,200 --> 00:35:42,440
Speaker 2: same place. But they've taken that money, not even considered

821
00:35:42,480 --> 00:35:44,759
Speaker 2: the person who has to drop out, probably for some

822
00:35:44,920 --> 00:35:48,080
Speaker 2: good reason, I assume, and it's like, thank you so

823
00:35:48,160 --> 00:35:50,040
Speaker 2: much for giving us a little bit more, We're going

824
00:35:50,120 --> 00:35:51,719
Speaker 2: to go here instead, and now we just have a

825
00:35:51,719 --> 00:35:53,480
Speaker 2: little bit more cash to splash. I just think that's

826
00:35:53,600 --> 00:35:56,640
Speaker 2: really really mean, and that's not actually how it works.

827
00:35:56,760 --> 00:35:59,480
Speaker 3: Yeah, And I mean, I'm so interested in why you

828
00:35:59,560 --> 00:36:02,239
Speaker 3: drop down, But I have a sninky suspicion because.

829
00:36:02,000 --> 00:36:03,320
Speaker 4: You have terrible friends.

830
00:36:05,560 --> 00:36:08,600
Speaker 6: Yes, and it's and it's it's just like a big fight.

831
00:36:08,719 --> 00:36:12,680
Speaker 4: It sounds really mean me I meant it. Yeah, just

832
00:36:12,840 --> 00:36:13,359
Speaker 4: what do you think?

833
00:36:13,560 --> 00:36:14,040
Speaker 2: I agree?

834
00:36:14,120 --> 00:36:16,200
Speaker 5: I think like, as you said, back, if they hadn't

835
00:36:16,200 --> 00:36:17,759
Speaker 5: been able to get the money back and you had

836
00:36:17,800 --> 00:36:21,160
Speaker 5: pulled out, I think that like you've already committed. I

837
00:36:21,239 --> 00:36:22,960
Speaker 5: don't think it's reasonable to ask the money back because

838
00:36:22,960 --> 00:36:23,480
Speaker 5: then people have.

839
00:36:23,520 --> 00:36:24,320
Speaker 2: To cover you.

840
00:36:25,320 --> 00:36:28,680
Speaker 5: But the fact that they changed the venue, unless they

841
00:36:28,719 --> 00:36:31,120
Speaker 5: had already changed the venue ahead of time and she

842
00:36:31,239 --> 00:36:34,960
Speaker 5: didn't know, I don't know it Just yeah, I agree.

843
00:36:34,960 --> 00:36:37,640
Speaker 5: I think that it's a bit icky that they had

844
00:36:37,719 --> 00:36:40,040
Speaker 5: maybe the flexibility and didn't give it back because as

845
00:36:40,080 --> 00:36:42,200
Speaker 5: you said, like, theoretically you're covering x amount of rooms.

846
00:36:42,320 --> 00:36:44,160
Speaker 5: Everyone's put in an x amount to cover X amount

847
00:36:44,160 --> 00:36:46,319
Speaker 5: of rooms, and you need one less room.

848
00:36:48,080 --> 00:36:49,839
Speaker 3: We all know, I was about to say, we all

849
00:36:49,960 --> 00:36:53,080
Speaker 3: know on like a bridal trip, people are sharing rooms

850
00:36:53,200 --> 00:36:56,120
Speaker 3: or getting apartments that you know, oh, one of us

851
00:36:56,160 --> 00:36:58,560
Speaker 3: will sleep on the couch, Like, I don't know. I'm

852
00:36:58,600 --> 00:37:01,440
Speaker 3: not justifying it because I think that she should have

853
00:37:01,480 --> 00:37:03,880
Speaker 3: got her money back. But I think that her friends

854
00:37:04,000 --> 00:37:06,719
Speaker 3: might see it a little bit differently, that they were like, oh, well,

855
00:37:06,760 --> 00:37:09,440
Speaker 3: when this person was involved, we you know, let everybody

856
00:37:09,520 --> 00:37:11,600
Speaker 3: know we could have this type of accommodation. But now

857
00:37:11,640 --> 00:37:13,520
Speaker 3: they've pulled out, we would have to change it. So

858
00:37:13,600 --> 00:37:15,800
Speaker 3: we're going to keep their part of the budgeting. Like

859
00:37:16,239 --> 00:37:18,360
Speaker 3: I could see maybe as as we like talking about it,

860
00:37:18,440 --> 00:37:20,279
Speaker 3: maybe like if you had two girls to every room,

861
00:37:20,320 --> 00:37:22,759
Speaker 3: for example, yeah, like and then you're okay, well, one

862
00:37:22,800 --> 00:37:24,360
Speaker 3: girl's going to have a single room.

863
00:37:24,320 --> 00:37:28,000
Speaker 2: Because she shouldn't have charge her more because she just

864
00:37:28,080 --> 00:37:28,560
Speaker 2: has someone.

865
00:37:28,840 --> 00:37:30,680
Speaker 5: But then if she pays the same amount as everyone else,

866
00:37:30,760 --> 00:37:32,359
Speaker 5: is everyone else going to be pissed off because she's

867
00:37:32,360 --> 00:37:34,240
Speaker 5: got a single room but they're all paying the same amount.

868
00:37:34,320 --> 00:37:35,959
Speaker 5: Like I can see how it does get a little

869
00:37:36,000 --> 00:37:36,560
Speaker 5: bit messy.

870
00:37:37,000 --> 00:37:37,400
Speaker 2: Ultimately.

871
00:37:37,480 --> 00:37:39,560
Speaker 3: I think like it's probably a conversation that they should

872
00:37:39,600 --> 00:37:41,239
Speaker 3: have had with you, Like they should have said, hey,

873
00:37:41,440 --> 00:37:45,360
Speaker 3: like X y Z, we already allocated, like we've pre

874
00:37:45,440 --> 00:37:47,920
Speaker 3: booked a different hotel, or you know, we're going to

875
00:37:47,960 --> 00:37:50,359
Speaker 3: have to charge someone double or whatever. At least had

876
00:37:50,400 --> 00:37:52,640
Speaker 3: the conversation. I think you're well within your rights to

877
00:37:52,719 --> 00:37:54,799
Speaker 3: ask it back or to at least raise it and say, hey,

878
00:37:54,960 --> 00:37:58,680
Speaker 3: like you know, I understood that if it was non refundable.

879
00:37:58,960 --> 00:38:00,759
Speaker 3: Like I was never going to ask for that money back,

880
00:38:00,840 --> 00:38:03,279
Speaker 3: but doubt it was refundable, So like, is there a

881
00:38:03,400 --> 00:38:05,000
Speaker 3: chance for that money to come? I think that's a

882
00:38:05,080 --> 00:38:07,600
Speaker 3: very reasonable conversation to have. I would put together a

883
00:38:07,680 --> 00:38:10,600
Speaker 3: nice message and basically ask that, I think on the

884
00:38:10,640 --> 00:38:13,200
Speaker 3: flip side as well as somebody who has had to

885
00:38:13,400 --> 00:38:15,400
Speaker 3: I wasn't in the bridal party, but I had to

886
00:38:15,480 --> 00:38:19,320
Speaker 3: pull out of a Hen's party because I was really pregnant.

887
00:38:19,680 --> 00:38:21,440
Speaker 3: And it is back when I had so I had

888
00:38:21,520 --> 00:38:25,080
Speaker 3: like preclampsy when I was pregnant, right, So my entire day,

889
00:38:26,040 --> 00:38:28,800
Speaker 3: every single day when I was pregnant, was really dictated

890
00:38:28,840 --> 00:38:31,200
Speaker 3: by my blood pressure. So I would wake up and

891
00:38:31,200 --> 00:38:32,920
Speaker 3: I would do my blood pressure, and if I did

892
00:38:32,960 --> 00:38:35,560
Speaker 3: my blood pressure that day, and it was often one

893
00:38:35,680 --> 00:38:37,680
Speaker 3: eighty over like one ten, which was cooked, I'd have

894
00:38:37,719 --> 00:38:39,440
Speaker 3: to go into the hospital and like deal with it.

895
00:38:39,560 --> 00:38:42,040
Speaker 3: It was actually the biggest shit show, remember, Jess, Like

896
00:38:42,200 --> 00:38:44,239
Speaker 3: it was very it was like, oh, hey, Jess, sorry,

897
00:38:44,360 --> 00:38:46,040
Speaker 3: I was about to come into recording. Now I can't

898
00:38:46,080 --> 00:38:47,760
Speaker 3: come into recording because I have to go to the hospital.

899
00:38:48,000 --> 00:38:50,200
Speaker 3: Or like the flip side, where it was like really

900
00:38:50,320 --> 00:38:52,799
Speaker 3: high and my doctor would say, if it's this level,

901
00:38:52,840 --> 00:38:54,480
Speaker 3: you actually just have to stay in bed that day,

902
00:38:54,560 --> 00:38:57,440
Speaker 3: like not moving. And then some other days my blood

903
00:38:57,440 --> 00:38:59,160
Speaker 3: pressure was fine and I'd be like, Jess, it's on.

904
00:38:59,280 --> 00:39:01,640
Speaker 3: Should we be like some more podcasts out right? So

905
00:39:01,800 --> 00:39:04,440
Speaker 3: like every day was different. But I remember having to

906
00:39:04,640 --> 00:39:09,000
Speaker 3: literally pull out the day of a Hen's party and

907
00:39:09,120 --> 00:39:11,480
Speaker 3: be like, hey, really sorry, I can't come when I

908
00:39:11,600 --> 00:39:13,200
Speaker 3: was like thirty eight weeks pregnant, so I was pushing

909
00:39:13,239 --> 00:39:16,480
Speaker 3: it already, but can't come. Would have loved to come,

910
00:39:17,560 --> 00:39:19,960
Speaker 3: but I'm not allowed. And at that point, I just

911
00:39:20,080 --> 00:39:23,399
Speaker 3: knew that that was a cost that the entire time

912
00:39:23,520 --> 00:39:26,000
Speaker 3: I might lose, but I wanted to be involved. And

913
00:39:26,120 --> 00:39:30,040
Speaker 3: I wonder if at this point, when you paid, that's

914
00:39:30,160 --> 00:39:33,359
Speaker 3: the cost of now missing out, Like that you paid that, yes,

915
00:39:33,440 --> 00:39:35,480
Speaker 3: you had to pull out, but like is that a

916
00:39:35,680 --> 00:39:38,680
Speaker 3: just a lost cause? Like I don't know, Like go

917
00:39:38,800 --> 00:39:41,080
Speaker 3: to other things too, Like if there's a dinner or

918
00:39:41,160 --> 00:39:44,000
Speaker 3: an activity like a you know, flower crowd making or

919
00:39:44,040 --> 00:39:46,279
Speaker 3: perfume making or whatever you're doing, like has something else

920
00:39:46,360 --> 00:39:49,080
Speaker 3: been paid for? And shout out to the person that

921
00:39:49,160 --> 00:39:52,160
Speaker 3: has to organize the henscript chat and like collect payments

922
00:39:52,200 --> 00:39:54,120
Speaker 3: because that's hard because you're right, there might not have

923
00:39:54,200 --> 00:39:56,640
Speaker 3: been any prepayment, So like you might be on the

924
00:39:56,719 --> 00:39:58,800
Speaker 3: website and it might say, oh, you can have a

925
00:39:58,840 --> 00:40:01,880
Speaker 3: complete one hundred percent fun. But like I have been

926
00:40:01,920 --> 00:40:05,160
Speaker 3: the person that has organized a hens before and I'm like, okay, cool,

927
00:40:05,520 --> 00:40:07,560
Speaker 3: so drinks and food are going to be this, and

928
00:40:07,680 --> 00:40:09,400
Speaker 3: we'll make sure that we have you know, pre drinks

929
00:40:09,440 --> 00:40:12,719
Speaker 3: at the hotel. And then there's like some accommodation. Okay, guys,

930
00:40:12,800 --> 00:40:14,480
Speaker 3: it's two hundred and fifty dollars ahead.

931
00:40:15,239 --> 00:40:15,680
Speaker 4: I don't have.

932
00:40:16,000 --> 00:40:17,759
Speaker 3: At the time, I didn't have the budget to cover

933
00:40:17,880 --> 00:40:19,800
Speaker 3: all of that. So before I booked in anything, I

934
00:40:19,920 --> 00:40:21,960
Speaker 3: was asking all the girls, can you just transfer me

935
00:40:22,040 --> 00:40:23,920
Speaker 3: the cash because like, this is how much I need?

936
00:40:24,640 --> 00:40:27,120
Speaker 3: And then I would go and book everything out, like

937
00:40:27,680 --> 00:40:28,200
Speaker 3: and that is what.

938
00:40:28,239 --> 00:40:29,040
Speaker 4: If I went the other way?

939
00:40:29,080 --> 00:40:31,239
Speaker 2: Yeah, what if someone didn't transfer and you had to

940
00:40:31,320 --> 00:40:31,640
Speaker 2: cover it?

941
00:40:31,920 --> 00:40:33,800
Speaker 4: Yeah, which always happens.

942
00:40:34,160 --> 00:40:36,960
Speaker 3: Like just if you commit to doing something, just transfer

943
00:40:37,120 --> 00:40:39,840
Speaker 3: the cash I get it, or have an open conversation

944
00:40:40,080 --> 00:40:43,760
Speaker 3: and be like, hey, v I really want to be involved,

945
00:40:43,800 --> 00:40:45,640
Speaker 3: but I don't have two hundred and fifty bucks. But

946
00:40:45,760 --> 00:40:47,560
Speaker 3: the events in December, is there any way I can

947
00:40:47,640 --> 00:40:49,759
Speaker 3: like pay you off over time, or like what can

948
00:40:49,800 --> 00:40:51,319
Speaker 3: I do? And at that point I might be like, oh,

949
00:40:51,400 --> 00:40:54,400
Speaker 3: don't worry, girlfriend, I only need to lock in the

950
00:40:54,480 --> 00:40:56,800
Speaker 3: accommodation and like that's not the full amount, so like

951
00:40:57,200 --> 00:40:57,960
Speaker 3: just transfer what you.

952
00:40:58,000 --> 00:40:58,840
Speaker 4: Can and we'll like work it.

953
00:40:58,960 --> 00:40:59,680
Speaker 2: Like we'll work it out.

954
00:40:59,719 --> 00:41:02,440
Speaker 3: But so many people go like stone cold silent and

955
00:41:02,640 --> 00:41:06,080
Speaker 3: don't have these money. Is awkward, but like have the

956
00:41:06,120 --> 00:41:08,920
Speaker 3: conversation because I can promise someone coming to me and

957
00:41:08,960 --> 00:41:10,760
Speaker 3: being like, hey, b I don't have the two fifty

958
00:41:10,880 --> 00:41:13,960
Speaker 3: or whatever it has been decided is the amount, but

959
00:41:14,120 --> 00:41:15,520
Speaker 3: I'll get it to you on this date or I'll

960
00:41:15,560 --> 00:41:15,759
Speaker 3: do it.

961
00:41:16,400 --> 00:41:19,279
Speaker 2: I don't care, Like I'll work it out. But like

962
00:41:19,400 --> 00:41:21,520
Speaker 2: if you just go radio signed and how awkward it

963
00:41:21,600 --> 00:41:22,359
Speaker 2: is to follow you up?

964
00:41:22,560 --> 00:41:24,560
Speaker 4: I hate that. Don't do that to people.

965
00:41:24,960 --> 00:41:27,080
Speaker 5: Yeah, so it sounds like our listener did the right thing,

966
00:41:27,160 --> 00:41:29,719
Speaker 5: like they let them know early. But it just maybe

967
00:41:29,719 --> 00:41:31,360
Speaker 5: it was a failure of the friends to have the

968
00:41:31,400 --> 00:41:33,840
Speaker 5: communication that they need to have. So I think you

969
00:41:34,080 --> 00:41:36,440
Speaker 5: ask for it back and see what happens. But so

970
00:41:36,520 --> 00:41:38,560
Speaker 5: we asked the community, do you think it's fair for

971
00:41:38,640 --> 00:41:40,880
Speaker 5: the group to keep her money? Seventy three percent of

972
00:41:40,920 --> 00:41:42,759
Speaker 5: you said no, she's owed her money back.

973
00:41:43,000 --> 00:41:43,680
Speaker 4: I kind of agree.

974
00:41:43,760 --> 00:41:45,839
Speaker 3: I was trying to play Devil's advocate and like be like, oh,

975
00:41:45,920 --> 00:41:48,600
Speaker 3: but what if, And then twenty seven percent of you said, yep,

976
00:41:48,719 --> 00:41:52,279
Speaker 3: she stepped down, it's a sunk cost. The next question

977
00:41:52,480 --> 00:41:55,359
Speaker 3: I asked was, would you ask for a refund if

978
00:41:55,400 --> 00:41:58,400
Speaker 3: you were in her shoes? Sixty seven percent of you

979
00:41:58,520 --> 00:42:01,440
Speaker 3: said absolutely, they changed plans, and thirty three percent of

980
00:42:01,520 --> 00:42:03,239
Speaker 3: you said no, just take it as a loss and

981
00:42:03,320 --> 00:42:06,960
Speaker 3: move on. I would always ask for a refund. I

982
00:42:07,000 --> 00:42:10,760
Speaker 3: feel like always if you don't ask, you don't care exactly,

983
00:42:10,800 --> 00:42:13,520
Speaker 3: and if you're kind about it, like, hey, I know

984
00:42:13,680 --> 00:42:17,680
Speaker 3: I pulled out. I'm hoping this hasn't like financially impacted anybody.

985
00:42:18,200 --> 00:42:21,319
Speaker 3: But I was wondering, given you know, and give them

986
00:42:21,360 --> 00:42:23,719
Speaker 3: a little bit of invoke, so like you know that

987
00:42:23,800 --> 00:42:26,560
Speaker 3: the way, like the hotel was refundable. Yeah, I know,

988
00:42:26,680 --> 00:42:28,680
Speaker 3: the hotel's refundable. So I was just wondering if I

989
00:42:28,719 --> 00:42:30,680
Speaker 3: could get you know, the money I transferred you back,

990
00:42:31,440 --> 00:42:33,719
Speaker 3: Like if they say no, you are well within your

991
00:42:33,800 --> 00:42:35,640
Speaker 3: rights to say, hey, I'd love to understand a bit

992
00:42:35,680 --> 00:42:37,520
Speaker 3: more about like why, like where is it gone? Like

993
00:42:37,680 --> 00:42:39,839
Speaker 3: surely it's just sitting in your account because they don't

994
00:42:39,880 --> 00:42:42,640
Speaker 3: charge you until you check in, like have that conversation

995
00:42:42,760 --> 00:42:46,680
Speaker 3: because you might learn, oh, well, actually you transferred one

996
00:42:46,760 --> 00:42:50,320
Speaker 3: hundred dollars and the accommodation per head was actually fifty

997
00:42:50,400 --> 00:42:53,360
Speaker 3: and I've spent another fifty on the entertainment and the

998
00:42:53,440 --> 00:42:55,600
Speaker 3: food and the drill, like and that's been and that's

999
00:42:55,640 --> 00:42:57,920
Speaker 3: been painful, and like now we're going to have to

1000
00:42:58,040 --> 00:43:00,800
Speaker 3: like spread your cost across the other girls. And I

1001
00:43:00,840 --> 00:43:03,040
Speaker 3: don't feel like it's fair to charge Jess and beck

1002
00:43:03,239 --> 00:43:04,719
Speaker 3: more like do you know what I mean? Like they

1003
00:43:04,760 --> 00:43:06,879
Speaker 3: could explain it, and you go, oh, actually, that makes

1004
00:43:06,920 --> 00:43:09,160
Speaker 3: a lot of sense for having a chat totally.

1005
00:43:09,200 --> 00:43:10,799
Speaker 2: And when you can see that there's there's a good

1006
00:43:10,840 --> 00:43:12,600
Speaker 2: reason for it, cause I'm sure that this other person

1007
00:43:12,640 --> 00:43:14,759
Speaker 2: has like valid points, it makes you just feel better

1008
00:43:15,040 --> 00:43:16,759
Speaker 2: knowing like, oh, okay, I have lost that money, but

1009
00:43:17,160 --> 00:43:17,960
Speaker 2: now I understand why.

1010
00:43:18,040 --> 00:43:19,680
Speaker 4: But at least I don't feel like I've been taken

1011
00:43:19,760 --> 00:43:20,400
Speaker 4: advantage of.

1012
00:43:20,680 --> 00:43:21,960
Speaker 2: Yeah, maybe I give you like.

1013
00:43:21,960 --> 00:43:23,759
Speaker 5: The hotel portion like in that example, I can give

1014
00:43:23,760 --> 00:43:25,520
Speaker 5: you like the room for portion back, but not the

1015
00:43:25,560 --> 00:43:27,239
Speaker 5: food that you know they couldn't refund or whatever.

1016
00:43:27,440 --> 00:43:28,040
Speaker 2: One hundred percent.

1017
00:43:28,080 --> 00:43:31,080
Speaker 3: And I guess there's a good reminder that before booking

1018
00:43:31,160 --> 00:43:34,520
Speaker 3: in anything for Hen's parties or group things like, have

1019
00:43:34,719 --> 00:43:37,239
Speaker 3: in the group chat a conversation about budget. It can

1020
00:43:37,280 --> 00:43:39,560
Speaker 3: feel awkward bringing it up, but be like, hey, guys,

1021
00:43:39,960 --> 00:43:42,239
Speaker 3: we want to do like a weekend for Jess because

1022
00:43:42,320 --> 00:43:44,759
Speaker 3: she's getting married. I don't even think just wants to

1023
00:43:44,760 --> 00:43:47,919
Speaker 3: get married, but like hypothetically we're having a weekend for Jess. Yeah,

1024
00:43:48,800 --> 00:43:52,000
Speaker 3: and I just want to know, like, what what budget

1025
00:43:52,040 --> 00:43:54,239
Speaker 3: would you be happy to allocate to this? And some

1026
00:43:54,400 --> 00:43:57,799
Speaker 3: people we've done I've done this before. Reply and be like, hey,

1027
00:43:57,920 --> 00:43:59,759
Speaker 3: I have one hundred dollars that I could allocate. But

1028
00:44:00,040 --> 00:44:02,560
Speaker 3: if you guys did like a house thing, I wouldn't

1029
00:44:02,600 --> 00:44:04,759
Speaker 3: have to stay, like I'd go home that night, and

1030
00:44:04,960 --> 00:44:07,279
Speaker 3: like ask people because like they might have kids, or

1031
00:44:07,320 --> 00:44:09,520
Speaker 3: they might have different plans, or they might not want

1032
00:44:09,560 --> 00:44:11,680
Speaker 3: to do or sleepover. So that you can get a

1033
00:44:11,800 --> 00:44:14,439
Speaker 3: guys on like okay, cool, Well you know twenty people

1034
00:44:14,480 --> 00:44:18,120
Speaker 3: will come, but six of those people actually want accommodation. Yeah,

1035
00:44:18,320 --> 00:44:20,520
Speaker 3: so that you're not fighting off more than you can

1036
00:44:20,640 --> 00:44:23,200
Speaker 3: chew and charging people for more, do you know what

1037
00:44:23,239 --> 00:44:23,520
Speaker 3: I mean?

1038
00:44:23,680 --> 00:44:23,839
Speaker 7: Yeah?

1039
00:44:24,040 --> 00:44:26,279
Speaker 3: Very true Anyway, we did go to the community and

1040
00:44:26,320 --> 00:44:28,239
Speaker 3: said what is your two cents? And I have a

1041
00:44:28,320 --> 00:44:30,560
Speaker 3: lot of different opinions to share with you guys. So

1042
00:44:30,680 --> 00:44:33,880
Speaker 3: first person said what they did sucks, but I'd be

1043
00:44:33,960 --> 00:44:35,359
Speaker 3: burying the hatchet and keep.

1044
00:44:35,280 --> 00:44:37,600
Speaker 4: A map of where you leave it as pertata.

1045
00:44:41,360 --> 00:44:44,440
Speaker 3: Someone else said, what bride's expect of others to spend

1046
00:44:44,520 --> 00:44:45,759
Speaker 3: for their wedding is too much?

1047
00:44:45,920 --> 00:44:49,360
Speaker 4: It's just a day, and it's this good point.

1048
00:44:49,560 --> 00:44:51,759
Speaker 2: I don't want to say too much here, but I agree.

1049
00:44:51,760 --> 00:44:54,200
Speaker 2: I don't think that we should be spending any money

1050
00:44:54,280 --> 00:44:56,320
Speaker 2: on someone else's I get it sometimes.

1051
00:44:56,360 --> 00:44:57,120
Speaker 4: Right, I agree.

1052
00:44:57,280 --> 00:44:59,520
Speaker 3: So I'm a bit spicy and I have been crucified

1053
00:44:59,560 --> 00:45:04,160
Speaker 3: for this, but none of my bride'smaids paid for a thing,

1054
00:45:04,360 --> 00:45:06,960
Speaker 3: and that's very entitled because obviously I had the budget

1055
00:45:07,080 --> 00:45:09,520
Speaker 3: for it. But I was very much of the opinion,

1056
00:45:09,640 --> 00:45:11,640
Speaker 3: as was my husband, that we didn't want to get

1057
00:45:11,719 --> 00:45:14,640
Speaker 3: married until we were in a financial position where I

1058
00:45:14,800 --> 00:45:18,000
Speaker 3: didn't make my wedding a financial burden on somebody else. Yeah,

1059
00:45:18,080 --> 00:45:21,360
Speaker 3: and potentially that's you know, because I'm in finance and

1060
00:45:21,440 --> 00:45:23,040
Speaker 3: I talk about it all the time, and you hear

1061
00:45:23,120 --> 00:45:25,440
Speaker 3: these things, and we have these conversations. But like I

1062
00:45:25,560 --> 00:45:28,839
Speaker 3: just remember being like bridesmaid's dresses I will be paying

1063
00:45:28,960 --> 00:45:31,399
Speaker 3: for because it's the dress I want you to wear.

1064
00:45:32,280 --> 00:45:35,239
Speaker 3: And again being a little bit spicy, you're a bit

1065
00:45:35,320 --> 00:45:37,560
Speaker 3: delusional if you think you're going to pick a matching

1066
00:45:37,640 --> 00:45:41,080
Speaker 3: bridesmaid's dress and then try and convince Jess. Don't worry, babe, Like,

1067
00:45:41,120 --> 00:45:43,280
Speaker 3: if you spend four hundred dollars on dress, you'll probably

1068
00:45:43,320 --> 00:45:44,000
Speaker 3: wear it again.

1069
00:45:43,840 --> 00:45:45,040
Speaker 2: Because just hemet and wear it again.

1070
00:45:45,920 --> 00:45:50,360
Speaker 4: Nobody's gonna hamm it and wear it again. Nobody like nobody.

1071
00:45:50,560 --> 00:45:53,080
Speaker 3: Yeah, anyway, I've just got a lot of opinions about this,

1072
00:45:53,239 --> 00:45:55,440
Speaker 3: but I was very much of the opinion that my

1073
00:45:55,640 --> 00:45:59,200
Speaker 3: wedding day shouldn't put a financial burden on other people. Yeah,

1074
00:45:59,239 --> 00:46:02,279
Speaker 3: and so we've paid for everything. Does that mean that

1075
00:46:02,400 --> 00:46:04,960
Speaker 3: I think everyone should do that? No, because everybody has

1076
00:46:05,040 --> 00:46:08,560
Speaker 3: different budgets. But I think everybody should have open, honest

1077
00:46:08,640 --> 00:46:12,200
Speaker 3: conversations about that. Like if I was to ask you

1078
00:46:12,280 --> 00:46:14,920
Speaker 3: Beck to be my bridesmaid, we should be having a

1079
00:46:14,960 --> 00:46:16,680
Speaker 3: bit of a conversation up front, like, oh my god,

1080
00:46:16,719 --> 00:46:18,920
Speaker 3: you want to be my bridesmaid, and you go.

1081
00:46:19,320 --> 00:46:22,480
Speaker 2: I'd love that, But like, also, what are the expectations totally.

1082
00:46:22,480 --> 00:46:23,920
Speaker 6: I think got the money for bridesmaids.

1083
00:46:24,040 --> 00:46:24,760
Speaker 4: Yeah, exactly.

1084
00:46:24,880 --> 00:46:26,480
Speaker 3: But if I said, hey, Beck, I'd love you to

1085
00:46:26,520 --> 00:46:29,600
Speaker 3: be my bridesmaid, by the way, I wouldn't ever want

1086
00:46:29,640 --> 00:46:31,040
Speaker 3: this to be a financial burden on you.

1087
00:46:31,080 --> 00:46:32,000
Speaker 4: I'll be covering everything.

1088
00:46:32,040 --> 00:46:34,480
Speaker 2: You might go, oh, okay, I would.

1089
00:46:34,360 --> 00:46:36,640
Speaker 3: Actually love that, like I would love to be involved. Like,

1090
00:46:36,719 --> 00:46:38,919
Speaker 3: thanks for thinking of me. But you're right, Beck, it's

1091
00:46:39,080 --> 00:46:42,200
Speaker 3: not your day. Why are you paying so much? We're

1092
00:46:42,239 --> 00:46:44,400
Speaker 3: in a cost of living crisis. We are all worried

1093
00:46:44,400 --> 00:46:47,120
Speaker 3: about groceries, We're worried about our electrical bills, and then

1094
00:46:47,160 --> 00:46:50,239
Speaker 3: all of a sudden, your mate's getting married and a

1095
00:46:50,320 --> 00:46:53,080
Speaker 3: three hundred dollars dress seems to be reasonable.

1096
00:46:52,680 --> 00:46:55,560
Speaker 2: To ask you to purchase. I know, stressful.

1097
00:46:56,640 --> 00:46:59,440
Speaker 3: You need matching shoes, like I have a pair of

1098
00:46:59,520 --> 00:47:02,000
Speaker 3: new shoes. Why can't I just wag anyway, It's like

1099
00:47:02,120 --> 00:47:05,919
Speaker 3: a whole conversation. I just obviously I am a little

1100
00:47:05,920 --> 00:47:06,640
Speaker 3: bit heated about it.

1101
00:47:06,719 --> 00:47:08,320
Speaker 6: Back, I completely get it.

1102
00:47:08,440 --> 00:47:09,760
Speaker 4: More comments from the community.

1103
00:47:09,960 --> 00:47:12,480
Speaker 3: One person said, if they stayed at the original accommodation,

1104
00:47:12,760 --> 00:47:14,680
Speaker 3: she would have had to take the loss, but they didn't,

1105
00:47:14,800 --> 00:47:17,399
Speaker 3: so she should get her money back. Someone else said,

1106
00:47:17,560 --> 00:47:20,719
Speaker 3: there's never any harm in asking. That's what VD would say.

1107
00:47:20,840 --> 00:47:22,880
Speaker 3: If they say no, I'd take it.

1108
00:47:23,600 --> 00:47:23,799
Speaker 2: Yeah.

1109
00:47:24,040 --> 00:47:27,120
Speaker 3: Someone else said, people are real weird about Hens. You'd

1110
00:47:27,160 --> 00:47:29,399
Speaker 3: need to be willing to lose a friendship or the money.

1111
00:47:30,120 --> 00:47:32,040
Speaker 3: They do seem like they can be a dramatic sometimes,

1112
00:47:32,080 --> 00:47:32,400
Speaker 3: don't they.

1113
00:47:32,920 --> 00:47:35,000
Speaker 2: Yeah, it's actually terrifying.

1114
00:47:35,760 --> 00:47:37,719
Speaker 3: Someone else said, I wouldn't let the money in this

1115
00:47:37,880 --> 00:47:41,440
Speaker 3: instance come between what I assume is a close relationship.

1116
00:47:42,360 --> 00:47:46,719
Speaker 3: But also where's the goss? Like why don't we know why?

1117
00:47:46,960 --> 00:47:49,960
Speaker 3: I know you said personal reasons, but like girl, it

1118
00:47:50,040 --> 00:47:51,759
Speaker 3: was anonymous, I need to know.

1119
00:47:52,120 --> 00:47:53,560
Speaker 6: I need to know it's a message.

1120
00:47:53,640 --> 00:47:54,560
Speaker 4: Yeah, like we need to know.

1121
00:47:55,080 --> 00:47:57,680
Speaker 3: Someone else said people kept pulling out of my hands

1122
00:47:57,760 --> 00:47:59,399
Speaker 3: and it got super frustrating and hard.

1123
00:48:00,200 --> 00:48:01,520
Speaker 2: Oh I can understand that.

1124
00:48:01,560 --> 00:48:02,279
Speaker 4: I totally get that.

1125
00:48:02,400 --> 00:48:03,120
Speaker 2: Good perspective.

1126
00:48:03,280 --> 00:48:05,360
Speaker 3: I totally get that. And if you've already paid and

1127
00:48:05,400 --> 00:48:07,760
Speaker 3: then people are pulling out of the Hens party because

1128
00:48:07,800 --> 00:48:10,480
Speaker 3: you've probably allocated the budget, but we're talking about bride

1129
00:48:10,560 --> 00:48:13,600
Speaker 3: or party, like one of your bridesmaids has left, and

1130
00:48:13,719 --> 00:48:14,640
Speaker 3: if that kept happening to.

1131
00:48:14,680 --> 00:48:15,560
Speaker 4: You, I'm so sorry.

1132
00:48:15,840 --> 00:48:17,200
Speaker 2: Yeah, that would be really hard.

1133
00:48:17,440 --> 00:48:19,080
Speaker 4: I like three bridesmaids can you.

1134
00:48:19,080 --> 00:48:21,479
Speaker 3: Imagine if people kept pulling out and would have had nothing,

1135
00:48:22,880 --> 00:48:25,160
Speaker 3: and someone else said, and we'll leave it here. It's

1136
00:48:25,200 --> 00:48:27,600
Speaker 3: not fair on the other bridesmaids to absorb the extra

1137
00:48:27,719 --> 00:48:28,960
Speaker 3: cost from her pulling out.

1138
00:48:30,000 --> 00:48:31,280
Speaker 6: Yeah, it's a bit of a push.

1139
00:48:31,120 --> 00:48:31,800
Speaker 2: And pull, isn't it.

1140
00:48:31,920 --> 00:48:33,440
Speaker 5: Like you've got to you got to kind of figure

1141
00:48:33,440 --> 00:48:37,640
Speaker 5: out what happened, why it happened, where the money did go,

1142
00:48:37,920 --> 00:48:39,719
Speaker 5: and you know, I think that will probably inform whether

1143
00:48:39,800 --> 00:48:41,520
Speaker 5: or not some of it can come back. But I think,

1144
00:48:41,640 --> 00:48:42,600
Speaker 5: just yeah, have the conversation.

1145
00:48:42,920 --> 00:48:43,799
Speaker 2: I'm not what's the.

1146
00:48:43,800 --> 00:48:48,000
Speaker 3: Worst they can say, No, exactly exactly, that's so true.

1147
00:48:48,280 --> 00:48:51,120
Speaker 3: I think with that, let's take this conversation offline. Let's

1148
00:48:51,160 --> 00:48:53,399
Speaker 3: go buy a six dollar fifty coffee and talk about

1149
00:48:53,400 --> 00:48:56,279
Speaker 3: a real thought about people paying for hens parties. Yeah,

1150
00:48:57,040 --> 00:48:59,040
Speaker 3: all right, guys, have a good Friday, and we hope

1151
00:48:59,080 --> 00:49:00,920
Speaker 3: you enjoy the weekend and we will see you bright

1152
00:49:01,000 --> 00:49:03,160
Speaker 3: early on Monday for a money diary by guys.

1153
00:49:03,320 --> 00:49:03,600
Speaker 2: Bye.

1154
00:49:09,960 --> 00:49:12,480
Speaker 3: The advice shared on She's on the Money is general

1155
00:49:12,560 --> 00:49:16,359
Speaker 3: in nature and does not consider your individual circumstances. She's

1156
00:49:16,440 --> 00:49:19,840
Speaker 3: on the Money exists purely for educational purposes and should

1157
00:49:19,920 --> 00:49:23,080
Speaker 3: not be relied upon to make an investment or financial decision.

1158
00:49:23,480 --> 00:49:25,920
Speaker 3: If you do choose to buy a financial product, read

1159
00:49:25,960 --> 00:49:29,200
Speaker 3: the PDS TMD and obtain appropriate financial.

1160
00:49:28,880 --> 00:49:30,640
Speaker 2: Advice tailored towards your needs.

1161
00:49:31,040 --> 00:49:34,920
Speaker 3: Victoria Divine and She's on the Money are authorized representatives

1162
00:49:35,000 --> 00:49:35,440
Speaker 3: of money.

1163
00:49:35,480 --> 00:49:37,040
Speaker 2: Sheper pty Ltd

1164
00:49:37,320 --> 00:49:40,399
Speaker 3: ABN three two one IS six four nine two seven

1165
00:49:40,520 --> 00:49:44,359
Speaker 3: seven zero eight AFSL four five one two eight nine