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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud your

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it. She's on the Money, She's on

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Speaker 2: the Money. Hello, and welcome to She's on the Money.

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Speaker 3: The team who were going to Taylor sway, it's not.

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Speaker 2: Even this year, it's next year, but we got the tickets.

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Speaker 4: We are going to be insufferable.

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Speaker 2: I'm sorry. It's started. Very excited for oh straight in.

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Speaker 2: This is the podcast for millennials who want financial freedom

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Speaker 2: but also sometimes make really dumb financial decisions, which is

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Speaker 2: you know, we're doing it to be relatable with him.

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Speaker 2: We feel so lucky though, I'm so excited. But as

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Speaker 2: you guys know, today is Friday, our favorite day of

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Speaker 2: the week, which means our team has come together to

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Speaker 2: celebrate you, our incredible community and our incredible tailors tickets.

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Speaker 2: Today we're going to be sharing our favorite money wins

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Speaker 2: or mister Grieches going to We've got beck on broke

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Speaker 2: tips once again, we're going to be answering a juicy

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Speaker 2: money dilemma, which this week is all about working from

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Speaker 2: home expenses and claiming them in your tax return. And

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Speaker 2: we're unpacking something that you slid into our DMS about

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Speaker 2: which this week we're chatting all about holiday budgets and

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Speaker 2: how to divvy them up between friends fair So, as

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Speaker 2: always my friends, I'm going to ask you first, Beck

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Speaker 2: because I know how Jess this week was. How was

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Speaker 2: your week?

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Speaker 5: My week has been lovely, as you know, I was

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Speaker 5: in Sydney last week. Get to have you back, Thank

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Speaker 5: you so much. It's actually really good to be back.

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Speaker 5: Can you know when you like go visit family and

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Speaker 5: there's a sweet spot, there's like two three days in

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Speaker 5: and you're like, I cannot wait to get home, and

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Speaker 5: then spend a week then and you kind of get attached.

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Speaker 5: So it's been a weird week, but I am happy

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Speaker 5: to be home.

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Speaker 2: So that's was your mama happy to see you? I think?

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Speaker 2: So why was your mama would have been like, heck

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Speaker 2: and yeah, Burke's home. Well it's so nice and think

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Speaker 2: you definitely got sick of me till the end, but

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Speaker 2: good reason. Honestly, I'm very.

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Speaker 5: Excited to see her again.

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Speaker 4: Oh good, my mamma, Hi mom, shout out to Mama Beck.

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Speaker 2: Let's just how her week was, Jessic, how is your week?

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Speaker 2: The best?

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Speaker 4: Like the best, the best?

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Speaker 2: Stuttering she cried about the cry literally, I'm just thinking

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Speaker 2: about it.

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Speaker 4: I went to bed at three in the morning. I

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Speaker 4: was so emped.

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Speaker 2: But it wasn't because I hadn't got tickets since she

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Speaker 2: was waiting for them. Works because she'd already got tickets

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Speaker 2: and was now excited about it.

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Speaker 4: Be adrenaline is what I put on my Instagram.

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Speaker 2: Sorry.

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Speaker 4: I was like, this must be what it feels like

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Speaker 4: to jump out of a plane because I was the

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Speaker 4: one who got through. And I've never been so scared

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Speaker 4: in my life that I was going to lose something.

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Speaker 4: I was like, I.

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Speaker 2: Don't know what to do. There was actually video evidence

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Speaker 2: of this, so we will be putting it in our

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Speaker 2: stories today so that you guys can experience. I would

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Speaker 2: say very chaotic. She's on the money, tea prick energy.

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Speaker 4: But good luck to everybody who's going in for general

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Speaker 4: admin tickets today, Congratulations to everyone who already got them

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Speaker 4: this week. And just no, I'm not saying anything. I'm

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Speaker 4: not promising anything, but I'm just saying when we do things,

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Speaker 4: we always think about you. And if I was you

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Speaker 4: and I wasn't following us on Instagram or Facebook or

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Speaker 4: the newsletter, I would maybe want to do that. But

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Speaker 4: I am saying for me, what's she's saying. I don't know.

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Speaker 2: I very cryptic, it's relatively cryptic. But if you're a

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Speaker 2: swifty you read with scream aller, you're.

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Speaker 6: You know.

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Speaker 4: But that's it on that. No more from me.

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Speaker 2: Hot tips from us, though, if you're going in for tickets,

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Speaker 2: one browser, one internet connection, one tab open. If you

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Speaker 2: have multiple, they're gonna eat them. And another hot tip

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Speaker 2: for tickets is if it says sold out really early,

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Speaker 2: just keep refreshing and keep trying because they're probably in

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Speaker 2: everyone's baskets and if they either expire or people decide

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Speaker 2: they don't want to spend that, they might actually, you know,

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Speaker 2: come available again. Because yes, that's exactly what happened to us.

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Speaker 4: We got them like fifty minutes in.

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Speaker 2: Yeah, and a lot of people were very shocked that

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Speaker 2: we did because they were saying, oh, ten pasted, they

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Speaker 2: were completely sold out. Here's my screenshots, and I was like, yeah,

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Speaker 2: but here's my screenshots, bestie of my ticket. Anyway. Honestly,

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Speaker 2: this is what it is like to spend adult money.

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Speaker 2: This is the only time I've allowed Jessica to even

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Speaker 2: look side eye at her emergency fun side. I feel

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Speaker 2: like it's been a journey. We've been trying to get

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Speaker 2: these tickets for four months. Like we work in radio,

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Speaker 2: so we've been like pestering every single person with ever

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Speaker 2: met and ever known, like you have, you're going to

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Speaker 2: get pre sal You're going to get presu presa presut.

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Speaker 2: We sound like little seagulls. We'll pay you, We'll pay you.

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Speaker 2: That's exactly what we were like. Turns out we didn't

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Speaker 2: need any of you guys.

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Speaker 5: We did it all by ourselves, So thanks anyway, Thanks anyway.

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Speaker 2: But everybody was so kind. I think that they could

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Speaker 2: see jess and the fact that she's already started making

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Speaker 2: friendship bracelets and wearing on right now, Yah's friendship blot

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Speaker 2: for who? What do you mean you trade them at

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Speaker 2: the show? You make friendship bracelets.

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Speaker 4: Yeah, and people trade them or give them to each other.

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Speaker 2: It's in the crowd. Yeah, it's so whole. That's so cute.

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Speaker 5: Really, is this the thing with all tailors swift concert

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Speaker 5: or every concert?

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Speaker 2: I think it's just I don't know if it was

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Speaker 2: the least a brave thing. So I'm not a raver,

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Speaker 2: but I'm on TikTok and there are a lot of ravers.

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Speaker 2: They're like, that's the thing that we do at our concerts,

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Speaker 2: So now all the swifties are doing it, And I

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Speaker 2: was like, you don't know that idea. It's wholesome. It's wholesome.

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Speaker 4: Everyone can do that.

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Speaker 2: You make bracelets. They have to be homemade. They can't

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Speaker 2: just be like bracelets that you buy. I don't want those,

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Speaker 2: and then you trade them on the night and then

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Speaker 2: you take home a heap of bracelets and everybody has

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Speaker 2: one of yours.

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Speaker 4: That's very cute.

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Speaker 6: Cute.

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Speaker 4: Anyway, we should get moving along because there's probably people going,

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Speaker 4: I don't like Daylor Swift, and to you, I say,

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Speaker 4: what's wrong with you?

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Speaker 1: Anyway?

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Speaker 5: Do I see, that's completely fine. I forgot we were

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Speaker 5: doing a show right now.

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Speaker 2: Up. Maybe you're here for the money wins. So, Jessica

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Speaker 2: Richard Strange, what have you got for us this week?

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Speaker 4: My first money when this week comes from Casey.

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Speaker 2: To VICKI, and she got Taylor Swift ticket literally me

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Speaker 2: right at the.

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Speaker 4: Top money and added money off. My first money when

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Speaker 4: is from Casey, who said money win. I saved us

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Speaker 4: about one thousand dollars. My yard was in need of

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Speaker 4: some serious landscaping, and we thought about hiring someone to

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Speaker 4: do it a while back, and this past weekend, I

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Speaker 4: just thought, I'm going to do it myself. I already

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Speaker 4: had most of the tools, and I spent around two

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Speaker 4: hundred dollars on plants and supplies. It took me all

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Speaker 4: day to do it because I was by myself and

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Speaker 4: it was hot outside and I was ready to throw

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Speaker 4: in the towel so many times, but I pushed through.

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Speaker 4: And it looks a lot better than before, and she

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Speaker 4: has a little before.

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Speaker 2: Oh my gosh, that actually looks real cute.

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Speaker 4: And it's one of those things you're so right, like

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Speaker 4: you can pay someone else to do it, and it

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Speaker 4: is totally a payment for convenience, but you can also

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Speaker 4: do it yourself, and I love that. My next money

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Speaker 4: mean is also a bit of a DII from Sally,

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Speaker 4: who said I just moved into a new place and

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Speaker 4: I wanted a bougie olive oil bottle. All the ones

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Speaker 4: that I could five were twenty five dollars or more.

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Speaker 4: So I went to the op shop and I found

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Speaker 4: a beautiful bottle for two dollars. What grabbed a pora

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Speaker 4: from Dan Murphy's for five bucks and seven dollars later,

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Speaker 4: I have myself a pretty bottle.

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Speaker 2: Do we have another picture?

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Speaker 4: You have another picture?

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Speaker 2: Oh you want a picture? That one's really cute. I've

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Speaker 2: been looking at those, but I can't justify them like

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Speaker 2: they literally are twenty five bucks. And I'm like, well,

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Speaker 2: the olive oil I bought comes in a bottle. I

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Speaker 2: guess that one will do.

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Speaker 4: Yeah, that is by they need.

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Speaker 2: Sally's got you self post a picture of my olive

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Speaker 2: oil bottle actually on the thread because I've tried to

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Speaker 2: peel the label off so now to make it cuter. Yep,

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Speaker 2: it didn't work. Now, No, it's sticky, you know how

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Speaker 2: like the stick apart goes real sticky.

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Speaker 5: It's sticky and just like those like almost like claws.

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Speaker 2: Yeah, it's not a money win. It's not a money loss.

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Speaker 2: It's just weird.

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Speaker 5: It's just a big inconvenience.

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Speaker 2: One out of ten looks gross.

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Speaker 4: Next, I've got money in from Emma, who said a

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Speaker 4: friend of mine just bought land and was really honest

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Speaker 4: with me about brunch not being in their budget for

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Speaker 4: a while. I suggested, how about we do brunch in

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Speaker 4: important to note, I'm a former chef. She's a good cook,

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Speaker 4: so no worries about nice to do it nice breakfast

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Speaker 4: from home. I hosted the first one, and twenty five

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Speaker 4: dollars later, I had brunch items for five of us

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Speaker 4: and my toddler.

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Speaker 2: Who how could that? That's a good deal.

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Speaker 4: That's less than I feel like what you would pay

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Speaker 4: for one brunch.

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Speaker 2: That's less than five mins each, including that toddler.

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Speaker 4: And now they're going to rotate through and take turns,

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Speaker 4: so next time brunch will be free.

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Speaker 2: We should start doing that. How awesome, that's a really

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Speaker 2: good idea, like the breakfast club. Oh yeah, but gin

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Speaker 2: know what else Jess and a doing potato club? What

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Speaker 2: is this entail? We are having a dinner party that

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Speaker 2: you're invited to actually everybody. We can't feed everybody, but

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Speaker 2: you're invited. The you make the list back, the rest

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Speaker 2: of the team will be invited and we'll share it

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Speaker 2: on socials. But we're gonna do a potato party where

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Speaker 2: every single item on the menu has to include potatoes,

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Speaker 2: including the drinks.

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Speaker 4: Everyone brings a plate. Do potatoes your favorite way? Think

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Speaker 4: about that. That's a great idea.

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Speaker 5: Ten different ways of eating potatoes and cheap, so cheap.

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Speaker 5: If you're Noki and a baked potato.

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Speaker 2: Inted, you're invited, think about all right, that's on the lead.

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Speaker 6: I am.

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Speaker 2: I have been looking up whether sweet potatoes make the

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Speaker 2: car Are they in or are they out? Because there

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Speaker 2: are a lot of desserts you can make with sweet

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Speaker 2: potatoes but not normal potatoes, so we'll have to be crafty.

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Speaker 2: But I did find a recipe for pastry made from

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Speaker 2: potato and flour.

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Speaker 4: Oh, we can be really creative. I am going to

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Speaker 4: try my bestst My next money this week is not

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Speaker 4: potato related, but it comes from Jody who said my

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Speaker 4: boss paid me a sick day when he didn't have

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Speaker 4: to buy law and I was just like, oh, that's

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Speaker 4: kind of nice. Like, I know that you're like, h,

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Speaker 4: that's not exciting. I can see it in your face.

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Speaker 4: But remember, for some people, that's very exciting. Not everyone

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Speaker 4: has a cool boss.

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Speaker 2: I'm not a recoss. I'm a cool boss. I appreciate

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Speaker 2: the ego boost, Jessica, but I also just go, is

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Speaker 2: that not the bare minimum? I know what you mean,

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Speaker 2: but let's celebrate. Let's celebrate it, I guess and beyond

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Speaker 2: and I get it. I totally get it, but I

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Speaker 2: also just think there should be more responsibility on people.

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Speaker 4: Just being nice. Well well done to I don't know

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Speaker 4: a boss's name, but well done, Tim Jody. My next

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Speaker 4: money when it comes from Chloe, who said my skincare

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Speaker 4: is running out and I've been wanting to try go

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Speaker 4: to for a while. Today they had a special on

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Speaker 4: so while I spent forty dollars on simonees to try,

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Speaker 4: I'm also going to get ninety dollars of other product

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Speaker 4: to use as well.

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Speaker 2: What how did I miss these?

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Speaker 4: I got that targeted at this morning and it looks

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Speaker 4: very good. Oh, I'm not sponsored, just avan. I love

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Speaker 4: a targeted dad. Ah, they do be targeting the algorithm algorithm, Yeah,

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Speaker 4: I love it and lastly got to finish on theme.

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Speaker 4: I have a money win from Charlotte, who says I've

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Speaker 4: been putting aside small amounts of money for three years

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Speaker 4: just in case Taylor Swift tours as a huge Swifty.

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Speaker 4: I'm hoping to be buying tickets this week without sacrificing

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Speaker 4: other financial goals.

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Speaker 2: Love Charlotte and everybody else. It makes me so happy

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Speaker 2: because Jess and I were talking about this before and

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Speaker 2: we feel incredibly privileged to have been able to buy

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Speaker 2: tickets in the pre sale because they are obviously, let's

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Speaker 2: be honest, significantly more expensive than normal tickets, but as

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Speaker 2: as Swifty since two thousand and six, like I have

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Speaker 2: been playing her music on piano until my parents will

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Speaker 2: literally like, baby, you need a new book, like we're here,

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Speaker 2: and my dad bought me Delta Gudrum's book instead. Yeah exactly.

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Speaker 2: But I couldn't afford to go to her first concert.

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Speaker 2: I couldn't afford to go to her eighteen concept, none

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Speaker 2: of them. And now I can and I'm just like

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Speaker 2: we are living like past Victoria. She is crying. She's

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Speaker 2: so proud of future Victoria. I know, but like I

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Speaker 2: felt like I missed out. Should be back again. It's

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Speaker 2: Taylor Swift, like if you miss out this time, Like

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Speaker 2: I totally get that, it would be heartbreaking. I think

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Speaker 2: Jess would actually have to take sick days if we

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Speaker 2: didn't get tickets, Like I think she'd be on mental health.

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Speaker 4: Leave enough a hundred percent.

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Speaker 2: Like I'd grant it too, I'd allow that. I'd be

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Speaker 2: like understandable. It's basically like a death in the family because.

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Speaker 4: She's a cool boss.

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Speaker 5: Yeah, she'd be in the moneymans next week, Like my

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Speaker 5: boss didn't need to give me time on Jess.

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Speaker 2: It was Jess. But I just I think it's important

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Speaker 2: to point it out because there are going to be

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Speaker 2: people listening that are like I can't afford it, or

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Speaker 2: I can't do that, or it's really overwhelming at the moment,

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Speaker 2: and it's like this too will pass. There's always going

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Speaker 2: to be another opportunity, and I think that we need

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Speaker 2: to remind ourselves of that as well.

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Speaker 5: Back on track, Beck, Okay, so broke tip for this week,

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Speaker 5: I've got two from our community, and then I will

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Speaker 5: give you one as it usually goes.

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Speaker 2: So the first one is from Hannah.

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Speaker 5: Hana wrote to me and said, so, I work in

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Speaker 5: agriculture slash horticulture, and I'm always giving up planned tips.

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Speaker 5: But I'm sure there are loads of people out there

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Speaker 5: with random job skills that can share to the community.

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Speaker 5: For example, my cousin who is a mechanic, taught me

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Speaker 5: how to install six buck windscreen wipers, which is tips

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Speaker 5: of the trade, which I.

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Speaker 2: Think is a really great easy I have no idea

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Speaker 2: what that is. It's like, basically, you know a thing

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Speaker 2: that windscreen, the windscreen wipers, but basically what the point

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Speaker 2: of this is that you know you can go to

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Speaker 2: like there's.

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Speaker 5: A Brunswick tool library, or.

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Speaker 2: You can learn how to Yeah there is, Oh that's sick.

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Speaker 2: I don't know where it is.

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Speaker 5: I've never been to it. Maybe to shut down, but anyway,

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Speaker 5: please Google. There should be one around you hopefully. But

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Speaker 5: you know, if someone like, for example, I learned how

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Speaker 5: to change my tire. Now, anytime my tire blows and

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Speaker 5: literally just change it myself. I don't have to go pay, Like,

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Speaker 5: I don't know how much it costs. I don't know

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Speaker 5: how much cost because I've never had to do it.

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Speaker 5: Because you're really smart because I know how to change

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Speaker 5: my tire. Yeah, and even your windscreen wipers. If you

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Speaker 5: just know where to buy them and how to fit

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Speaker 5: them yourself, you can do that yourself. You're saving so

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Speaker 5: much money by learning how to do these things on

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Speaker 5: your own, which I think is really just a.

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Speaker 2: Good life tip, let's be honest, a life tip.

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Speaker 5: And also I guess if you have the money and

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Speaker 5: you want to be you want things to be more convenient,

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Speaker 5: and you can'tform it, you can go to the mechanic

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Speaker 5: or whatever.

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Speaker 4: It doesn't have to be mechanic, but you know what

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Speaker 4: I mean.

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Speaker 2: Me learning that you need to replace your in screen wipers,

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Speaker 2: I had no idea.

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Speaker 4: Are they not like here here?

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Speaker 1: And they are?

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Speaker 4: I just thought that was because my old rusty as wow, I.

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Speaker 5: Like, doesn't even wipe off all the rain or no

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00:14:28,440 --> 00:14:31,280
Speaker 5: streaky that makes my blood and cold come.

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Speaker 2: She'll sort you out. I'll sell you out for a

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Speaker 2: great price. If you know what I just said.

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Speaker 5: It's sexual aboute hundred dollars, so I'll do it for

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00:14:38,960 --> 00:14:39,680
Speaker 5: you for like eighty.

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Speaker 2: Okay, that's a good deal.

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Speaker 5: Great, And my next broke tip for this week is

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Speaker 5: from I hope I'm saying this right. And Alise or

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00:14:46,720 --> 00:14:49,840
Speaker 5: Lease I believe their name might be or their nickname

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00:14:49,920 --> 00:14:52,640
Speaker 5: might be. They pretty much just said, if you are

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Speaker 5: wanting a to kind of like double up here, feel

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00:14:55,480 --> 00:14:57,560
Speaker 5: a little bit wholesome, do something good for the community,

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00:14:57,600 --> 00:15:01,480
Speaker 5: and also potentially get a little free feed, donate blood

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Speaker 5: where possible.

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Speaker 2: Which is a really good tip you've shared.

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Speaker 5: Yeah, thank you. Well I wish I could take credit,

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00:15:08,440 --> 00:15:11,680
Speaker 5: but this one is all analyst, so yeah. And they

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Speaker 5: did say, you know, if you are low and iron

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Speaker 5: or something, which is kind of my thing as well,

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00:15:16,520 --> 00:15:18,920
Speaker 5: you can donate plasma. So obviously just like go and

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Speaker 5: talk to them and see what you can do and

354
00:15:20,360 --> 00:15:22,400
Speaker 5: what you can donate and what you can't donate, et cetera,

355
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Speaker 5: and you might get a free feed and.

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Speaker 2: You're doing something really good for the world.

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Speaker 4: You get those really nice texts after you've donated blood.

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00:15:30,040 --> 00:15:31,960
Speaker 4: They tell you when it's going somewhere, like you get

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00:15:31,960 --> 00:15:34,760
Speaker 4: an update that says your blood's going to children's hospital

360
00:15:34,840 --> 00:15:37,520
Speaker 4: in XYZ and you're, oh, my god, like it's actually, yeah,

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00:15:37,640 --> 00:15:39,200
Speaker 4: I love helping someone. It's so lovely.

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Speaker 2: Unless you're like me and you faint on them and

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Speaker 2: they say please don't come back.

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Speaker 4: Yeah, I have done that, and then they say you

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Speaker 4: can't get in your car and you have to uper

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Speaker 4: home money.

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00:15:48,800 --> 00:15:51,400
Speaker 5: Loss, money loss, Okay, don't do that.

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Speaker 3: I was like, okay, so sorry, I can I still

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Speaker 3: take a chalky milk? Did you still get a choking

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00:16:00,160 --> 00:16:02,480
Speaker 3: still got the tricky meal? Oh that's very cute. So

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Speaker 3: you're a thief.

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00:16:05,360 --> 00:16:08,320
Speaker 2: I needed it for my recovery bet. That's no, that's

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Speaker 2: very true. That's very true. Okay.

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00:16:10,960 --> 00:16:13,240
Speaker 5: I feel like you guys are usually disappointed with my

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00:16:13,760 --> 00:16:16,160
Speaker 5: personal broked in, but no we're not.

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Speaker 2: But that's very nice. Okay, we already dub a different

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00:16:19,840 --> 00:16:22,480
Speaker 2: broke tip my favorite though, So this better be good.

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00:16:23,040 --> 00:16:27,400
Speaker 5: It's not gonna be no pressure, yes, pressure, it's on me.

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00:16:27,720 --> 00:16:28,120
Speaker 4: Okay.

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00:16:28,360 --> 00:16:30,320
Speaker 5: If you are going out with friends and you are

381
00:16:30,440 --> 00:16:32,280
Speaker 5: partial to a drink and you don't want to spend

382
00:16:32,280 --> 00:16:35,040
Speaker 5: too much money, slept with a man, sleep with a man.

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00:16:38,960 --> 00:16:42,440
Speaker 2: Sorry, or women, or or flirt with out.

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00:16:42,480 --> 00:16:47,080
Speaker 5: Peopleson who who is rich? So marry a rich person. No,

385
00:16:47,200 --> 00:16:50,160
Speaker 5: before you do that, go to the servo, not to service, sorry,

386
00:16:50,200 --> 00:16:52,120
Speaker 5: go to this liquor store and get yourself a four

387
00:16:52,160 --> 00:16:55,240
Speaker 5: dollars bottle of red wine. I'm sure you get that

388
00:16:55,280 --> 00:16:57,480
Speaker 5: in white one too. You can, and if you are

389
00:16:57,520 --> 00:17:00,480
Speaker 5: broke Unfortunately, you're just gonna have to deal with it, okay,

390
00:17:00,520 --> 00:17:02,280
Speaker 5: because it doesn't It doesn't taste bad.

391
00:17:03,040 --> 00:17:06,800
Speaker 2: I quite like the cheap makes you sexier if you're

392
00:17:06,800 --> 00:17:09,640
Speaker 2: into the cask, but if you buy a terrible here

393
00:17:09,800 --> 00:17:13,600
Speaker 2: this is Victoria's actual life hat. Yes, sorry to hijack

394
00:17:13,640 --> 00:17:15,560
Speaker 2: you there. Please, I think you need to try this

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00:17:15,600 --> 00:17:18,600
Speaker 2: out for the community. By the way, cheap bottle of

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00:17:18,640 --> 00:17:22,520
Speaker 2: red wine. Put it in the blender. What pinch of salt?

397
00:17:23,440 --> 00:17:27,320
Speaker 2: Blend it? The salt counteracts the sul fights in it,

398
00:17:27,400 --> 00:17:31,520
Speaker 2: so it doesn't taste as black and the aeration makes

399
00:17:31,560 --> 00:17:34,359
Speaker 2: it taste like a better wine. Oh, so you like

400
00:17:34,480 --> 00:17:36,399
Speaker 2: have to blend the hell out of it. Then just

401
00:17:36,400 --> 00:17:38,840
Speaker 2: like let it settle and pour it back into the bottle,

402
00:17:38,840 --> 00:17:42,919
Speaker 2: because there's it does feel a bit dank pouring a

403
00:17:42,960 --> 00:17:44,600
Speaker 2: glass of wine from your blender.

404
00:17:45,560 --> 00:17:50,119
Speaker 5: What a nutritious set That is delicious and so.

405
00:17:50,000 --> 00:17:52,920
Speaker 2: Good fights I swear by university Victoria did that all

406
00:17:52,960 --> 00:17:55,080
Speaker 2: the time. That's actually a really good idea, So thank

407
00:17:55,080 --> 00:17:57,280
Speaker 2: you for that, bro tip. You're not going to do that,

408
00:17:57,480 --> 00:17:59,879
Speaker 2: so you're recommending for dollar wine.

409
00:18:00,520 --> 00:18:02,159
Speaker 5: Yeah, personally, I'm not going to do that because I

410
00:18:02,200 --> 00:18:05,800
Speaker 5: know I'm used to the flavor, very very cheap things,

411
00:18:05,800 --> 00:18:06,720
Speaker 5: and I quite enjoy.

412
00:18:07,080 --> 00:18:09,159
Speaker 4: So what's your recommendation my brand?

413
00:18:09,680 --> 00:18:12,040
Speaker 2: Oh, my recommendation for a brand? I love a clean Skin.

414
00:18:12,960 --> 00:18:15,240
Speaker 5: I think that's trually the name of the brand. And

415
00:18:15,280 --> 00:18:18,119
Speaker 5: I don't know if that's crazy to say, but I don't.

416
00:18:17,920 --> 00:18:19,640
Speaker 2: Think it's actually clean.

417
00:18:19,680 --> 00:18:23,080
Speaker 5: It's it's literally called clean skin, and it's like six

418
00:18:23,119 --> 00:18:26,240
Speaker 5: dollars I think, and it's very tasty. I love a chirasm.

419
00:18:26,840 --> 00:18:30,000
Speaker 2: So okay, thanks taking over the world. So let's go

420
00:18:30,000 --> 00:18:32,240
Speaker 2: to a really break and after we're going to be

421
00:18:32,280 --> 00:18:34,760
Speaker 2: talking about working from home expenses and how to claim

422
00:18:34,800 --> 00:18:37,439
Speaker 2: them on your tax return. And we're unpacking a DM

423
00:18:37,480 --> 00:18:40,639
Speaker 2: all about how to budget when traveling with friends and

424
00:18:40,760 --> 00:18:44,320
Speaker 2: splitting costs, and it does get a little bit spicy,

425
00:18:44,400 --> 00:18:45,680
Speaker 2: so guys, don't go anywhere.

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00:18:50,560 --> 00:18:53,119
Speaker 4: Welcome back, everybody. Let's have a listen to this week's

427
00:18:53,160 --> 00:18:53,800
Speaker 4: money dilemma.

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00:18:56,119 --> 00:18:58,480
Speaker 2: Hi, there, have you got a money dilemma you just

429
00:18:58,520 --> 00:19:01,480
Speaker 2: can't solve the She's on the team is here to help.

430
00:19:01,840 --> 00:19:04,840
Speaker 2: Every week we tackle your dilemmas, both big and small,

431
00:19:04,920 --> 00:19:08,000
Speaker 2: to answer your most burning money, career and life questions.

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00:19:08,200 --> 00:19:10,680
Speaker 2: To get involved, simply head to our website and leave

433
00:19:10,760 --> 00:19:12,880
Speaker 2: us a short voice recording and you might just find

434
00:19:12,880 --> 00:19:15,640
Speaker 2: yourself on the show. Now, let's take a listen to

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00:19:15,680 --> 00:19:16,880
Speaker 2: this week's Money dilemma.

436
00:19:20,200 --> 00:19:23,399
Speaker 6: Hi, she's on the Money team. I have a question

437
00:19:23,560 --> 00:19:28,800
Speaker 6: following the tax time episode, I was planning to claim

438
00:19:28,840 --> 00:19:31,960
Speaker 6: the fixed rate tax method for working from home, and

439
00:19:32,000 --> 00:19:34,199
Speaker 6: I've been keeping a detailed record of the days and

440
00:19:34,200 --> 00:19:38,239
Speaker 6: hours that I do work for My question is do

441
00:19:38,320 --> 00:19:41,040
Speaker 6: I need to also have a record of the bills

442
00:19:41,080 --> 00:19:44,200
Speaker 6: that I've been paying, so the electricity bills, the water bills, etc.

443
00:19:45,280 --> 00:19:48,159
Speaker 6: For me, I currently live home with my parents, so

444
00:19:48,320 --> 00:19:50,840
Speaker 6: a lot of those bills are in their name other

445
00:19:50,920 --> 00:19:54,600
Speaker 6: than see my telephone bill. I'm not sure if I

446
00:19:54,680 --> 00:19:57,880
Speaker 6: can then claim or what I should be doing. I'm

447
00:19:57,880 --> 00:19:59,760
Speaker 6: a bit confused, and I'm sure there's lots of other

448
00:19:59,760 --> 00:20:02,679
Speaker 6: peop out there in the same boat, So thanks for

449
00:20:02,720 --> 00:20:03,040
Speaker 6: your help.

450
00:20:03,240 --> 00:20:06,480
Speaker 2: This one's an interesting one because the ATO recently came

451
00:20:06,520 --> 00:20:09,240
Speaker 2: out and said that this year their focus is on

452
00:20:09,359 --> 00:20:12,560
Speaker 2: making sure that people are not claiming things they shouldn't

453
00:20:12,600 --> 00:20:16,000
Speaker 2: be when working from home. Because we went through COVID,

454
00:20:16,040 --> 00:20:18,239
Speaker 2: everybody worked from home, there are a whole heap of

455
00:20:18,280 --> 00:20:21,080
Speaker 2: I guess liberties that we could take to claim while

456
00:20:21,119 --> 00:20:24,240
Speaker 2: working from home, and now they've been like mmmmmm not forever,

457
00:20:24,359 --> 00:20:28,040
Speaker 2: my friends. So I find this an interesting one. Obviously,

458
00:20:28,119 --> 00:20:30,119
Speaker 2: I'm not an accountant, and we really should preface it

459
00:20:30,160 --> 00:20:32,600
Speaker 2: with that, because I think that this is a topic

460
00:20:32,640 --> 00:20:36,280
Speaker 2: that ultimately I can't directly answer. You need to talk

461
00:20:36,320 --> 00:20:38,840
Speaker 2: to your accountant. But what I do know is you

462
00:20:39,000 --> 00:20:43,000
Speaker 2: need documentation. My other question is I'm making the assumption

463
00:20:43,040 --> 00:20:45,359
Speaker 2: that if your parents are paying the bill, they're maybe

464
00:20:45,440 --> 00:20:48,720
Speaker 2: splitting it with you, and if that's the case, you

465
00:20:48,760 --> 00:20:51,879
Speaker 2: could potentially claim your portion, but you would need proof

466
00:20:51,960 --> 00:20:54,760
Speaker 2: of one the total bilberd to what your portion was

467
00:20:54,840 --> 00:20:57,640
Speaker 2: of it. But if you're not, for some reason, actually

468
00:20:57,680 --> 00:21:00,439
Speaker 2: directly paying the bill, maybe your parents just charge you.

469
00:21:00,840 --> 00:21:02,720
Speaker 2: This is an assumption, like two hundred dollars a week

470
00:21:02,760 --> 00:21:05,760
Speaker 2: board or something. You can't go ahead and then claim

471
00:21:05,800 --> 00:21:08,520
Speaker 2: an expense that wasn't directly related to you even though

472
00:21:08,560 --> 00:21:10,560
Speaker 2: you used it. It's kind of like you coming over

473
00:21:10,600 --> 00:21:12,920
Speaker 2: Beck and being like, oh, I work from Victoria's house,

474
00:21:13,240 --> 00:21:14,719
Speaker 2: you know, a couple of days a week, I'm going

475
00:21:14,760 --> 00:21:17,240
Speaker 2: to claim the internet access that I used at her place.

476
00:21:17,359 --> 00:21:19,080
Speaker 2: Like that's not how it works. So I think it's

477
00:21:19,240 --> 00:21:22,240
Speaker 2: it's an interesting question. There's a lot of information this year,

478
00:21:22,400 --> 00:21:25,159
Speaker 2: particularly about working from home and what you can and

479
00:21:25,200 --> 00:21:27,960
Speaker 2: can't claim, on the ATO website, which is ATO dot

480
00:21:28,000 --> 00:21:31,640
Speaker 2: gov dot au, and I would check that out because, honestly,

481
00:21:32,240 --> 00:21:34,640
Speaker 2: the game has kind of changed a little bit. They've

482
00:21:34,640 --> 00:21:38,600
Speaker 2: definitely refreshed the way that they are letting taxpayers claim things,

483
00:21:38,840 --> 00:21:41,960
Speaker 2: but also what costs they're letting you take advantage of

484
00:21:42,040 --> 00:21:44,320
Speaker 2: and not. So I think it's really important to I guess,

485
00:21:44,560 --> 00:21:47,720
Speaker 2: do a bit of research. There's definitely merit in keeping

486
00:21:47,760 --> 00:21:49,760
Speaker 2: that diary that you've kept of when you're working from

487
00:21:49,800 --> 00:21:52,040
Speaker 2: home and how that works. But at the end of

488
00:21:52,080 --> 00:21:53,960
Speaker 2: the day, you need to kind of look at what

489
00:21:54,160 --> 00:21:56,320
Speaker 2: is most applicable to you and what you think is

490
00:21:56,359 --> 00:22:00,000
Speaker 2: fair and reasonable. So I would, honestly, if you're confused,

491
00:22:00,200 --> 00:22:02,520
Speaker 2: talk to an accountant. As you guys know, I'm a

492
00:22:02,520 --> 00:22:05,199
Speaker 2: big fan of getting professional advice where you can afford it.

493
00:22:05,520 --> 00:22:07,760
Speaker 2: The other money win with seeing an accountant is you

494
00:22:07,800 --> 00:22:10,680
Speaker 2: can claim the accountant's fees next year on your tax

495
00:22:10,720 --> 00:22:12,399
Speaker 2: returns to their tax deductible, which is.

496
00:22:12,440 --> 00:22:14,800
Speaker 4: Kind of sexy and more often than not they pay

497
00:22:14,800 --> 00:22:17,240
Speaker 4: for themselves. Last year was my first year seeing someone

498
00:22:17,320 --> 00:22:19,720
Speaker 4: a tax agent, and it literally they claimed me so

499
00:22:19,840 --> 00:22:21,199
Speaker 4: much more than I knew that I could. So if

500
00:22:21,240 --> 00:22:24,200
Speaker 4: you're in that situation, it might pay for itself.

501
00:22:24,560 --> 00:22:28,280
Speaker 5: Okay, so I obviously can't be giving advice on this,

502
00:22:28,440 --> 00:22:31,160
Speaker 5: but I think everything you guys have said is elite.

503
00:22:31,320 --> 00:22:32,879
Speaker 4: You can have the first crack at the community to

504
00:22:32,960 --> 00:22:33,560
Speaker 4: let me have about that.

505
00:22:33,720 --> 00:22:36,600
Speaker 2: Okay, that found great. You're nothing if not generous, Jess.

506
00:22:37,480 --> 00:22:38,480
Speaker 4: I just won't need to go first.

507
00:22:40,200 --> 00:22:44,320
Speaker 2: So that's a good idea. You're nothing if not generous.

508
00:22:44,800 --> 00:22:48,360
Speaker 2: I'm nothing. That is not how we speak to our

509
00:22:48,400 --> 00:22:53,480
Speaker 2: fellow team members. For you, what's weird for me?

510
00:22:53,560 --> 00:22:54,600
Speaker 5: I'm so sorry.

511
00:22:55,280 --> 00:22:58,119
Speaker 2: You're not sorry. You're sorry you got called out. I

512
00:22:58,200 --> 00:23:01,800
Speaker 2: am sure even three people left listening to this.

513
00:23:02,520 --> 00:23:02,760
Speaker 4: I know.

514
00:23:03,000 --> 00:23:05,720
Speaker 2: Thanks for coming all the way. All right, community dilemma,

515
00:23:05,800 --> 00:23:08,000
Speaker 2: let's dive in this week. I got a message and

516
00:23:08,000 --> 00:23:10,960
Speaker 2: it sounded like this, Hi, Ve, I would love your advice.

517
00:23:11,200 --> 00:23:13,480
Speaker 2: So I'm going to Europe soom with two of my

518
00:23:13,560 --> 00:23:16,600
Speaker 2: best friends. Like everybody else in the country. At this point,

519
00:23:16,840 --> 00:23:19,440
Speaker 2: as we get closer, I've realized that I think we're

520
00:23:19,440 --> 00:23:22,159
Speaker 2: on totally different pages about what type of holiday and

521
00:23:22,200 --> 00:23:26,320
Speaker 2: experience we want. Me and friend number one are quite similar,

522
00:23:26,320 --> 00:23:29,439
Speaker 2: and we've already compromised on accommodation and we met the

523
00:23:29,440 --> 00:23:33,159
Speaker 2: budget of quote friend too. We personally would have been

524
00:23:33,200 --> 00:23:35,560
Speaker 2: willing to pay a bit more, but she wasn't, so

525
00:23:35,600 --> 00:23:38,160
Speaker 2: we were happy to do this for her. But now

526
00:23:38,160 --> 00:23:40,679
Speaker 2: I'm looking at booking a bunch of restaurants and activities

527
00:23:40,680 --> 00:23:43,960
Speaker 2: for us, and she's rejected all of my suggestions, saying

528
00:23:43,960 --> 00:23:46,640
Speaker 2: that they're too expensive and she wouldn't pay that. I'm

529
00:23:46,680 --> 00:23:48,960
Speaker 2: stuck on what to do now, as me and friend

530
00:23:49,040 --> 00:23:51,480
Speaker 2: number one would love to go to nice restaurants and

531
00:23:51,520 --> 00:23:54,560
Speaker 2: treat ourselves. I've worked so hard to save up for

532
00:23:54,600 --> 00:23:56,560
Speaker 2: this trip, and if it comes down to it, I

533
00:23:56,600 --> 00:23:58,400
Speaker 2: would go and do these things, even if it meant

534
00:23:58,400 --> 00:24:01,000
Speaker 2: going without her. But is that awful of us to

535
00:24:01,080 --> 00:24:03,119
Speaker 2: leave her to do all these things when we're all

536
00:24:03,160 --> 00:24:08,080
Speaker 2: meant to be traveling together? Mmmmmm tricky? Tricky?

537
00:24:08,840 --> 00:24:12,639
Speaker 5: Well, you know, I think we've all been that friend

538
00:24:12,800 --> 00:24:15,919
Speaker 5: that's kind of afford anything, But I think that there

539
00:24:15,920 --> 00:24:18,879
Speaker 5: are al ways around it. It doesn't maybe sound like

540
00:24:19,280 --> 00:24:22,440
Speaker 5: the would I say, Friend number three, could I call

541
00:24:22,520 --> 00:24:26,840
Speaker 5: this person that Friend number three is willing to compromise

542
00:24:27,000 --> 00:24:30,040
Speaker 5: that much, but hopefully it's just like a financial compromise.

543
00:24:30,080 --> 00:24:32,119
Speaker 5: Hopefully they're willing to be like, cool, I'll come to

544
00:24:32,160 --> 00:24:33,879
Speaker 5: this thing with you. I might just like eat first.

545
00:24:34,000 --> 00:24:35,680
Speaker 5: That way I don't have to I can just buy

546
00:24:35,680 --> 00:24:37,359
Speaker 5: a starter and not have to spend too much money.

547
00:24:37,480 --> 00:24:39,320
Speaker 5: I still want to experience these things with you, but

548
00:24:39,760 --> 00:24:43,240
Speaker 5: just not spend the money, which is completely You're able

549
00:24:43,320 --> 00:24:45,560
Speaker 5: to do that, like you don't have to miss out

550
00:24:45,600 --> 00:24:47,920
Speaker 5: on things. But I would say, just have a I

551
00:24:47,960 --> 00:24:49,439
Speaker 5: don't know, just have a chat with this person, be

552
00:24:49,440 --> 00:24:52,160
Speaker 5: like is it financially you're not willing or not able

553
00:24:52,240 --> 00:24:52,680
Speaker 5: to do this?

554
00:24:53,119 --> 00:24:53,760
Speaker 2: Or do you?

555
00:24:54,240 --> 00:24:57,280
Speaker 5: Are you feeling like this is overwhelming? You like, is

556
00:24:57,280 --> 00:24:59,679
Speaker 5: there an underlying reason why this person is kind of

557
00:24:59,680 --> 00:25:03,040
Speaker 5: like things? Because it's literally just financial. There are so

558
00:25:03,200 --> 00:25:06,720
Speaker 5: many ways around that eat first, go get some street food,

559
00:25:06,800 --> 00:25:10,000
Speaker 5: go whatever, you know, do cheaper things, and also do

560
00:25:10,040 --> 00:25:12,000
Speaker 5: the more expensive things. But your friend doesn't have to

561
00:25:12,160 --> 00:25:14,879
Speaker 5: the participate or spend as much money as you're going

562
00:25:14,920 --> 00:25:16,720
Speaker 5: to spend. There are definitely ways around them.

563
00:25:16,800 --> 00:25:21,760
Speaker 4: I think it's hard because in my mind, everyone's entitled

564
00:25:21,760 --> 00:25:23,720
Speaker 4: to holiday that the way that they won and going

565
00:25:23,760 --> 00:25:26,120
Speaker 4: to Europe is no small undertaking. So on one hand,

566
00:25:26,119 --> 00:25:28,520
Speaker 4: I'm like, well, for the friend with the smaller budget, who,

567
00:25:28,560 --> 00:25:31,000
Speaker 4: as you said, we have all been there, you know,

568
00:25:31,119 --> 00:25:32,720
Speaker 4: she might just want to get there, and she might

569
00:25:32,760 --> 00:25:34,080
Speaker 4: just be like, oh my gosh, I'm real happy to

570
00:25:34,080 --> 00:25:37,800
Speaker 4: be here, can barely afford to do anything, but excited nonetheless.

571
00:25:38,200 --> 00:25:39,960
Speaker 4: But at the same time, the friends who have the

572
00:25:40,040 --> 00:25:42,119
Speaker 4: larger budget, I also go for a lot of people,

573
00:25:42,119 --> 00:25:44,200
Speaker 4: a trip to Europe is a once in a lifetime trip,

574
00:25:44,400 --> 00:25:46,879
Speaker 4: and so if there's really exciting things that they've saved

575
00:25:46,880 --> 00:25:48,800
Speaker 4: and they want to do, they should also be able

576
00:25:48,840 --> 00:25:51,479
Speaker 4: to do those. So I feel like it is a

577
00:25:51,520 --> 00:25:54,800
Speaker 4: matter of getting on the same page before you go.

578
00:25:55,280 --> 00:25:57,000
Speaker 4: You don't leave it till you get there, because that

579
00:25:57,080 --> 00:25:59,679
Speaker 4: is a recipe for disaster and for ruining everybody's time

580
00:25:59,720 --> 00:26:02,760
Speaker 4: and way everybody's money. But I think you kind of

581
00:26:02,760 --> 00:26:04,360
Speaker 4: have to find a way, as you said, to either

582
00:26:04,440 --> 00:26:07,200
Speaker 4: compromise and meet in the middle. Like they've compromised on

583
00:26:07,240 --> 00:26:09,520
Speaker 4: the accommodation. It's within the budget of everyone. Are there

584
00:26:09,560 --> 00:26:11,280
Speaker 4: some restaurants that you can add to lists that are

585
00:26:11,320 --> 00:26:14,199
Speaker 4: in the budget of everyone? But I also think that

586
00:26:14,960 --> 00:26:17,240
Speaker 4: they may be the girls with the bigger budget need

587
00:26:17,280 --> 00:26:19,920
Speaker 4: to do some lower budget activities and the girl with

588
00:26:19,960 --> 00:26:22,320
Speaker 4: the lower budget needs to be okay with the girls

589
00:26:22,320 --> 00:26:24,639
Speaker 4: with the larger budget maybe going off and doing some

590
00:26:24,720 --> 00:26:26,560
Speaker 4: things on their own, because I think when you travel

591
00:26:26,600 --> 00:26:29,320
Speaker 4: in a group, there's this misconception that you always have

592
00:26:29,359 --> 00:26:31,960
Speaker 4: to be together all of the time. As well, we've

593
00:26:32,000 --> 00:26:32,320
Speaker 4: done that.

594
00:26:32,440 --> 00:26:34,000
Speaker 2: Jess and I went to Europe in a group of

595
00:26:34,040 --> 00:26:36,160
Speaker 2: what was there five of us and it didn't mean

596
00:26:36,160 --> 00:26:38,240
Speaker 2: that we were all doing the same thing. So guess

597
00:26:38,240 --> 00:26:41,760
Speaker 2: what beck no chance was I getting up at six

598
00:26:41,800 --> 00:26:44,600
Speaker 2: am in Paris to go to the fancy museum to

599
00:26:44,600 --> 00:26:47,080
Speaker 2: get the content photos. Who was doing this?

600
00:26:47,200 --> 00:26:50,040
Speaker 4: Oh wow, I've always wanted to see water lilies and

601
00:26:50,080 --> 00:26:51,840
Speaker 4: I got to sit there and absorb it and it

602
00:26:51,880 --> 00:26:52,560
Speaker 4: was the best experence.

603
00:26:52,560 --> 00:26:53,760
Speaker 2: There was nobody else there.

604
00:26:54,040 --> 00:26:56,520
Speaker 4: It was like me and the paintings was gorgeous, and

605
00:26:56,560 --> 00:27:01,399
Speaker 4: I was like, I'm going to get me up. So

606
00:27:01,440 --> 00:27:03,920
Speaker 4: that's the thing, right, Like everyone has different values, and everyone,

607
00:27:04,040 --> 00:27:05,919
Speaker 4: I think should be able to enjoy their holiday in

608
00:27:05,960 --> 00:27:08,359
Speaker 4: a way that they can afford. I think if you

609
00:27:08,400 --> 00:27:10,360
Speaker 4: do all want to travel together, you've got to compromise

610
00:27:10,400 --> 00:27:12,120
Speaker 4: and find a way to meet in the middle. If

611
00:27:12,160 --> 00:27:15,119
Speaker 4: you can't, it might be that maybe your trips just

612
00:27:15,160 --> 00:27:17,280
Speaker 4: aren't a one and that is also okay. If you go,

613
00:27:17,359 --> 00:27:20,320
Speaker 4: we want to have a really fancy, bougie holiday, and

614
00:27:20,560 --> 00:27:22,639
Speaker 4: Friend number three goes, oh, I just want to kind

615
00:27:22,680 --> 00:27:24,240
Speaker 4: of do a budget, just want to see the world,

616
00:27:24,720 --> 00:27:28,800
Speaker 4: backpack it across, also very fine. But it may be

617
00:27:29,240 --> 00:27:32,280
Speaker 4: that you actually can't do the two concurrently, and maybe

618
00:27:32,280 --> 00:27:34,119
Speaker 4: you just go, oh, maybe we do two separate trips.

619
00:27:34,160 --> 00:27:36,920
Speaker 4: Maybe Friend three fines Friend four to go with them,

620
00:27:37,000 --> 00:27:38,720
Speaker 4: and friend want and two go off on their own,

621
00:27:38,800 --> 00:27:40,520
Speaker 4: or maybe you travel together for a little bit and

622
00:27:40,600 --> 00:27:44,120
Speaker 4: split off or something like that. Because you don't want

623
00:27:44,160 --> 00:27:46,600
Speaker 4: anyone to come home from something like that, which is

624
00:27:46,600 --> 00:27:49,359
Speaker 4: such a huge financial investment to come from Australia just

625
00:27:49,400 --> 00:27:52,040
Speaker 4: to get there is several thousand dollars before you pay

626
00:27:52,080 --> 00:27:54,760
Speaker 4: for anything else. You don't want anyone to come home

627
00:27:54,760 --> 00:27:57,760
Speaker 4: from that feeling disappointed. And that's you know what I mean.

628
00:27:57,800 --> 00:27:59,359
Speaker 4: I feel like they're doing the right thing. Now hash

629
00:27:59,359 --> 00:28:01,000
Speaker 4: it out now, I think.

630
00:28:01,160 --> 00:28:05,359
Speaker 2: Again reiterating what you said, Jess, like have the conversation

631
00:28:05,560 --> 00:28:09,080
Speaker 2: beforehand is perfect, but we're clearly not in that situation.

632
00:28:09,160 --> 00:28:11,480
Speaker 2: We've now booked we're in the middle of it. I'd

633
00:28:11,480 --> 00:28:13,480
Speaker 2: actually sit down and go, all right, well, let's wipe

634
00:28:13,480 --> 00:28:16,040
Speaker 2: off the table everything that we want to talk about, like,

635
00:28:16,160 --> 00:28:17,679
Speaker 2: I don't care about what you want to do, I

636
00:28:17,680 --> 00:28:19,880
Speaker 2: don't care what you want to do back, and we're

637
00:28:19,880 --> 00:28:21,919
Speaker 2: going to sit down and just talk about all right, well,

638
00:28:21,920 --> 00:28:24,439
Speaker 2: what was your daily budget, what did that look like?

639
00:28:24,720 --> 00:28:28,439
Speaker 2: How can we mix and match activities to suit? Because

640
00:28:28,640 --> 00:28:31,760
Speaker 2: when you're in Europe, if you do enough good research,

641
00:28:32,119 --> 00:28:34,400
Speaker 2: there are so many free things to do. And some

642
00:28:34,480 --> 00:28:38,200
Speaker 2: of my favorite things when I have traveled to different locations,

643
00:28:38,200 --> 00:28:39,720
Speaker 2: and I think I've said this on the podcast, on

644
00:28:39,760 --> 00:28:42,600
Speaker 2: the travel episodes, my favorite thing to do when I

645
00:28:42,680 --> 00:28:44,800
Speaker 2: get to a new location I've never been on is

646
00:28:44,840 --> 00:28:47,760
Speaker 2: finding a walking tour and going on one of those

647
00:28:47,800 --> 00:28:50,800
Speaker 2: because you get to see like the town and honestly,

648
00:28:51,160 --> 00:28:54,080
Speaker 2: they're free because they run by, Let's be honest, crazy

649
00:28:54,080 --> 00:28:57,000
Speaker 2: passionate people about the town. They know all of the tips,

650
00:28:57,120 --> 00:28:59,040
Speaker 2: they know all of the good bars, they know all

651
00:28:59,080 --> 00:29:01,680
Speaker 2: the really interesting fact they'll point out their cemetery and

652
00:29:01,720 --> 00:29:04,720
Speaker 2: tell you who is in there, Like it's just so interesting.

653
00:29:04,800 --> 00:29:07,320
Speaker 2: And I mean, yes, you probably should be tipping your

654
00:29:07,480 --> 00:29:09,800
Speaker 2: travel guide and whoever has taken you. But if you

655
00:29:09,840 --> 00:29:12,440
Speaker 2: can't afford that, then they're absolutely free. But there are

656
00:29:12,480 --> 00:29:14,440
Speaker 2: so many things that you can do that are free

657
00:29:14,480 --> 00:29:16,240
Speaker 2: that means that might free up a bit of that

658
00:29:16,360 --> 00:29:18,920
Speaker 2: daily budget to have a nice at dinner. And at

659
00:29:18,960 --> 00:29:20,680
Speaker 2: that point you can say, well, we want to go

660
00:29:20,800 --> 00:29:25,000
Speaker 2: and do this and this. Jess what day would suit you? Oh,

661
00:29:25,120 --> 00:29:27,320
Speaker 2: I don't really want to go Okay, no worries. What

662
00:29:27,440 --> 00:29:29,680
Speaker 2: day would suit you for Beck and I to go

663
00:29:29,720 --> 00:29:32,360
Speaker 2: off and have that fancy dinner? Is there something like

664
00:29:32,440 --> 00:29:34,280
Speaker 2: that you know you've worked out you want to see

665
00:29:34,320 --> 00:29:37,280
Speaker 2: and you might go just oh, actually I found this

666
00:29:37,360 --> 00:29:41,000
Speaker 2: pub in London that does truviaut and tend doll the Parmers,

667
00:29:41,040 --> 00:29:42,880
Speaker 2: and I'm going to go to that see if i

668
00:29:42,880 --> 00:29:45,160
Speaker 2: can make some new friends and I go bingo. That's

669
00:29:45,200 --> 00:29:46,800
Speaker 2: the day Beck and I are going to go off

670
00:29:46,840 --> 00:29:48,960
Speaker 2: because we all have something that we can get up to.

671
00:29:49,240 --> 00:29:52,440
Speaker 2: So I think planning is really important, but also just

672
00:29:52,480 --> 00:29:55,000
Speaker 2: being really honest, like we really want to do these things,

673
00:29:55,000 --> 00:29:57,720
Speaker 2: they're on our list. How can we make those things happen?

674
00:29:58,240 --> 00:30:00,880
Speaker 2: When you travel as a group. From my perspective, it

675
00:30:00,960 --> 00:30:04,320
Speaker 2: is about compromise, like it's not my dream holiday. It's

676
00:30:04,360 --> 00:30:06,240
Speaker 2: our dream holiday. So it's not going to be one

677
00:30:06,320 --> 00:30:08,680
Speaker 2: hundred percent what Victoria wants or one hundred percent what

678
00:30:08,800 --> 00:30:11,000
Speaker 2: Jess wants. We kind of have to go, well, what

679
00:30:11,080 --> 00:30:13,440
Speaker 2: does this budget look like, how does this work? How

680
00:30:13,440 --> 00:30:16,560
Speaker 2: can we save? And something that you know Jess knows

681
00:30:16,600 --> 00:30:19,440
Speaker 2: because I'm unlucky for her. She traveled with me quite

682
00:30:19,480 --> 00:30:19,760
Speaker 2: a bit.

683
00:30:19,840 --> 00:30:20,080
Speaker 4: Now.

684
00:30:20,840 --> 00:30:25,360
Speaker 2: I don't care about breakfast in other countries. I am

685
00:30:25,440 --> 00:30:29,120
Speaker 2: a brunch girly through and through in Australia. Going out

686
00:30:29,160 --> 00:30:31,680
Speaker 2: for breakfast in other countries to me, Jess, what do

687
00:30:31,760 --> 00:30:36,560
Speaker 2: I think of it? Not much? Absolutely absolute lost money.

688
00:30:36,600 --> 00:30:40,280
Speaker 2: I'm like, this is for fuel. I'm not enjoying myself

689
00:30:40,320 --> 00:30:43,120
Speaker 2: before ten am. It's not gonna happen. So if there's

690
00:30:43,200 --> 00:30:46,560
Speaker 2: free breakfast buffet, it's fantastic. Am I adding it on

691
00:30:46,720 --> 00:30:48,680
Speaker 2: to my hotel experience though, Jessica?

692
00:30:48,760 --> 00:30:49,440
Speaker 4: Absolutely not.

693
00:30:49,520 --> 00:30:51,920
Speaker 2: No, we're not paying for that. I'm not paying for

694
00:30:52,000 --> 00:30:55,280
Speaker 2: the privilege of two slices of not even veggie, might

695
00:30:55,360 --> 00:30:58,360
Speaker 2: toast because you don't offer that in Europe. But a

696
00:30:58,480 --> 00:31:02,840
Speaker 2: toast what another ten euros or something? Absolutely not, Jess,

697
00:31:02,840 --> 00:31:03,440
Speaker 2: what are we doing?

698
00:31:03,600 --> 00:31:05,160
Speaker 4: We're going to the supermarket thank you.

699
00:31:06,320 --> 00:31:09,200
Speaker 5: Whoa You guys did not even rehearses ahead of time

700
00:31:10,240 --> 00:31:17,240
Speaker 5: because she knows, she knows Rain. I cannot believe what's

701
00:31:17,240 --> 00:31:19,800
Speaker 5: happening right in front of my knows.

702
00:31:19,840 --> 00:31:22,440
Speaker 2: Like the second we got to America, I was like, right,

703
00:31:22,480 --> 00:31:25,160
Speaker 2: we're off to target. What do you want? What's your

704
00:31:25,240 --> 00:31:28,320
Speaker 2: cereal of choice? Got a big thing of boat milk coffee.

705
00:31:28,480 --> 00:31:30,560
Speaker 2: Oh no, we're not paying for American coffee.

706
00:31:30,600 --> 00:31:32,360
Speaker 4: No, we wint buy breakfast for a week.

707
00:31:32,680 --> 00:31:32,760
Speaker 6: No.

708
00:31:33,160 --> 00:31:33,680
Speaker 5: Wow.

709
00:31:33,800 --> 00:31:37,800
Speaker 2: It was like twenty dollars American and we got in America.

710
00:31:37,920 --> 00:31:41,800
Speaker 2: Like their coffee is honestly, it's not better. Australian coffee

711
00:31:41,840 --> 00:31:44,120
Speaker 2: is elite, but their bottled coffee is better, and they

712
00:31:44,160 --> 00:31:47,760
Speaker 2: like do bottled Starbucks. So it's like what like cold

713
00:31:47,800 --> 00:31:50,360
Speaker 2: filtered coffee just doesn't drink coffee because it's a psychopath

714
00:31:50,400 --> 00:31:53,240
Speaker 2: but filtered coffee and then like you can buy a creamer.

715
00:31:53,320 --> 00:31:55,800
Speaker 2: So I was making my own coffee is in the

716
00:31:55,920 --> 00:31:59,440
Speaker 2: room and I was Jess. I took my own sippy cup,

717
00:32:00,200 --> 00:32:02,640
Speaker 2: like you know, like the plastic reusables you know, the

718
00:32:02,680 --> 00:32:07,720
Speaker 2: Starbucks like were usable, like made my owner slatt and

719
00:32:07,760 --> 00:32:09,120
Speaker 2: would take them back to the conference.

720
00:32:09,320 --> 00:32:11,840
Speaker 5: Yeah, that's not embarrassed.

721
00:32:11,360 --> 00:32:14,400
Speaker 2: Of me sometimes not wasting money on that like that

722
00:32:14,520 --> 00:32:16,960
Speaker 2: to me. You know what, if you love breakfast, you

723
00:32:17,040 --> 00:32:19,480
Speaker 2: do you the idea that we could have a really

724
00:32:19,520 --> 00:32:21,840
Speaker 2: relaxed warning, we'd get up. I'd be like, oh, do

725
00:32:21,840 --> 00:32:23,080
Speaker 2: you want me to make your cereal?

726
00:32:25,480 --> 00:32:28,840
Speaker 4: Don't start with me. No one's safe in this room.

727
00:32:29,240 --> 00:32:30,760
Speaker 2: She is a dry.

728
00:32:31,440 --> 00:32:39,840
Speaker 5: What Jessica, Jessica raw dog cerealso not obvious.

729
00:32:40,080 --> 00:32:40,680
Speaker 4: My hands.

730
00:32:43,280 --> 00:32:45,280
Speaker 2: Dry not all. You can't do it.

731
00:32:45,320 --> 00:32:47,720
Speaker 4: You can't do it all cereals, Like, there is a

732
00:32:47,840 --> 00:32:53,680
Speaker 4: select few cereals that taste better dry rice bubbles, but I.

733
00:32:53,600 --> 00:32:58,160
Speaker 2: Would never use a spoon. You use your hands into

734
00:32:58,200 --> 00:33:01,480
Speaker 2: a chick. It's not a chip. Yeah, they're like tiny.

735
00:33:01,840 --> 00:33:07,160
Speaker 4: Yeah, you goop up a handful of snacks. That's true.

736
00:33:07,200 --> 00:33:08,960
Speaker 4: That's the good point with.

737
00:33:09,000 --> 00:33:11,480
Speaker 2: The bag, and you like get all, you like pour it,

738
00:33:11,680 --> 00:33:13,280
Speaker 2: Like what were you missing here?

739
00:33:13,440 --> 00:33:13,560
Speaker 6: Is?

740
00:33:13,600 --> 00:33:18,160
Speaker 2: She said, rice bubbles the most blend of cereals. That

741
00:33:18,360 --> 00:33:18,880
Speaker 2: really good.

742
00:33:21,920 --> 00:33:23,440
Speaker 4: Lucky charms also delicious.

743
00:33:23,960 --> 00:33:27,520
Speaker 2: I love it Lucky okay, but they're mini marshmallows. So

744
00:33:27,600 --> 00:33:30,040
Speaker 2: she was eating dry cereal every morning.

745
00:33:30,080 --> 00:33:34,880
Speaker 4: And the victory would make my cereal and make my cereal.

746
00:33:36,280 --> 00:33:39,400
Speaker 2: And I was like breakfast in bed baby that it

747
00:33:39,560 --> 00:33:43,120
Speaker 2: was actually really good. And then America again everything is

748
00:33:43,120 --> 00:33:46,880
Speaker 2: made for convenience. We bore what did we buy those?

749
00:33:46,960 --> 00:33:51,440
Speaker 2: Like uncrustable sandwiches. Love those un crustable sandwiches are my

750
00:33:51,440 --> 00:33:52,600
Speaker 2: favorite thing in the entire world.

751
00:33:52,920 --> 00:33:54,240
Speaker 5: Crustable sandwich.

752
00:33:54,920 --> 00:33:57,080
Speaker 2: It is exactly what you think it is. It's not

753
00:33:57,840 --> 00:33:59,240
Speaker 2: a sandwich without a crust.

754
00:33:59,680 --> 00:33:59,960
Speaker 6: Cool.

755
00:34:00,080 --> 00:34:02,520
Speaker 2: It's like they made a white bread sandwich with peanut

756
00:34:02,520 --> 00:34:05,320
Speaker 2: butter and jelly, and then they got around cookie cutter

757
00:34:05,520 --> 00:34:06,680
Speaker 2: and cut the middle out.

758
00:34:06,560 --> 00:34:09,719
Speaker 4: And then they gave the great idea and your m

759
00:34:09,719 --> 00:34:11,600
Speaker 4: ands is really good. They do a lot of little

760
00:34:11,640 --> 00:34:15,120
Speaker 4: pre done you can do like a apples and peanut butter,

761
00:34:15,320 --> 00:34:17,960
Speaker 4: or they do these really yummy cuoses that come with

762
00:34:18,000 --> 00:34:19,640
Speaker 4: their own little sauce. Like there's lots of things that

763
00:34:19,680 --> 00:34:22,360
Speaker 4: you can get that will cost you very little money

764
00:34:22,400 --> 00:34:24,480
Speaker 4: that if you stash them in your hotel fridge.

765
00:34:24,760 --> 00:34:26,879
Speaker 2: I feel like this lunch is done leading us into

766
00:34:26,880 --> 00:34:30,840
Speaker 2: another like Victoria and Jess travel hacks, because we, honestly,

767
00:34:30,960 --> 00:34:34,440
Speaker 2: I would think every time we've traveled, when we've done America,

768
00:34:34,520 --> 00:34:37,239
Speaker 2: we've done a lot of Europe, we did the UK,

769
00:34:37,719 --> 00:34:40,440
Speaker 2: we go into America again this year for another conference.

770
00:34:40,840 --> 00:34:42,680
Speaker 2: I would say that the most money we spend on

771
00:34:42,760 --> 00:34:45,080
Speaker 2: food is definitely dinner, Like we'll go out for a

772
00:34:45,160 --> 00:34:47,040
Speaker 2: nice dinner and have a nice dinner, but we're very

773
00:34:47,120 --> 00:34:49,439
Speaker 2: likely to eat our breakfast in our rooms before we go,

774
00:34:50,080 --> 00:34:54,719
Speaker 2: carry snacks and maybe go and just do convenience lunches. Yeah,

775
00:34:54,960 --> 00:34:58,040
Speaker 2: like somewhere cheap, like we're not dining out for lunch.

776
00:34:58,080 --> 00:35:00,279
Speaker 2: It's or like is it five bucks? Yep, that's a

777
00:35:00,280 --> 00:35:00,680
Speaker 2: good deal.

778
00:35:00,920 --> 00:35:02,560
Speaker 4: Yeah, you can do it cheap. And so you like

779
00:35:02,680 --> 00:35:05,239
Speaker 4: as to get bring back around to the point like

780
00:35:05,280 --> 00:35:07,919
Speaker 4: you can do it really affordably, I think. But it's

781
00:35:07,960 --> 00:35:10,239
Speaker 4: again it's about finding someone who's happy to do the

782
00:35:10,239 --> 00:35:12,680
Speaker 4: same thing as you. Because if I was like no, no, no,

783
00:35:12,840 --> 00:35:15,120
Speaker 4: like I want to go to the Riots for breakfast

784
00:35:15,120 --> 00:35:17,000
Speaker 4: every morning and have something really fancy, and Victoria's like,

785
00:35:17,040 --> 00:35:20,279
Speaker 4: oh well, I really want my one dollar uncrustable, So

786
00:35:20,280 --> 00:35:23,480
Speaker 4: I do do either we go okay, great, we go

787
00:35:23,560 --> 00:35:26,360
Speaker 4: to our own things, or someone's going to have to

788
00:35:26,360 --> 00:35:27,480
Speaker 4: compromise or it's not true work.

789
00:35:27,560 --> 00:35:29,920
Speaker 2: But it's all about communication, right, And I think it's

790
00:35:29,960 --> 00:35:32,840
Speaker 2: also about the experience that you make it like having

791
00:35:32,880 --> 00:35:34,960
Speaker 2: a quick lunch might not be for you, But the

792
00:35:35,000 --> 00:35:36,719
Speaker 2: way we made it was like, let's go to M

793
00:35:36,760 --> 00:35:39,120
Speaker 2: and S or let's go to the supermarket in France,

794
00:35:39,120 --> 00:35:43,080
Speaker 2: we went a board of bread and butter and I think, yeah, literally,

795
00:35:43,160 --> 00:35:45,239
Speaker 2: but we went and had a picnic and like did

796
00:35:45,400 --> 00:35:47,600
Speaker 2: like just little things like that where it's like, well,

797
00:35:47,600 --> 00:35:50,560
Speaker 2: how do we make this into an experience without upgrading

798
00:35:50,600 --> 00:35:53,000
Speaker 2: how much it costs? And I think just talking about

799
00:35:53,040 --> 00:35:55,600
Speaker 2: it and going, oh cool, Well, what area are we

800
00:35:55,719 --> 00:35:58,399
Speaker 2: going to be in? Oh, a quick lunch would make

801
00:35:58,480 --> 00:36:02,319
Speaker 2: sense because we're going from one venue to another, or oh,

802
00:36:02,360 --> 00:36:04,440
Speaker 2: we actually have a couple of hours. I don't want

803
00:36:04,440 --> 00:36:05,960
Speaker 2: to do a long lunch that would be expert. How

804
00:36:05,960 --> 00:36:07,799
Speaker 2: about we do a little picnic. We can go to

805
00:36:07,800 --> 00:36:10,279
Speaker 2: the supermarket and get a tump of homics and some dip.

806
00:36:10,480 --> 00:36:13,400
Speaker 2: Like we can actually make this a very cheap lunch.

807
00:36:13,480 --> 00:36:16,200
Speaker 2: That works out all right. So we did ask the community.

808
00:36:16,280 --> 00:36:19,360
Speaker 2: We said, have you had a similar experience when traveling

809
00:36:19,400 --> 00:36:21,919
Speaker 2: with a friend? Fifty five percent of you said yes,

810
00:36:22,320 --> 00:36:25,680
Speaker 2: And we said, if yes, did it negatively impact your friendship?

811
00:36:26,320 --> 00:36:30,040
Speaker 2: Fifty eight percent said yes. Then we said, do you

812
00:36:30,040 --> 00:36:32,279
Speaker 2: think it's okay for the two friends to do things

813
00:36:32,320 --> 00:36:35,640
Speaker 2: without the third friend, and eighty six percent of you

814
00:36:35,760 --> 00:36:38,279
Speaker 2: said yes, absolutely. I just think it needs to be

815
00:36:38,320 --> 00:36:41,839
Speaker 2: well communicated. I don't think it's a bad thing to go, oh, well, Jess,

816
00:36:41,880 --> 00:36:44,360
Speaker 2: I really want to do X, Y and Z, like

817
00:36:44,400 --> 00:36:46,760
Speaker 2: if it's not in line with their values, like why

818
00:36:46,800 --> 00:36:49,440
Speaker 2: are you pushing it on them in every other circumstance

819
00:36:49,520 --> 00:36:52,880
Speaker 2: of your life? That is not acceptable from my perspective.

820
00:36:52,960 --> 00:36:55,520
Speaker 2: Why would it change when you're on holidays? If you feel.

821
00:36:55,280 --> 00:36:58,920
Speaker 5: Loved and cared for and secure in your friendship, and

822
00:36:59,000 --> 00:37:01,759
Speaker 5: you make someone feel secure in the friendship, then you

823
00:37:01,800 --> 00:37:02,359
Speaker 5: can go and.

824
00:37:02,239 --> 00:37:03,840
Speaker 2: Do And I think there's the right way to go

825
00:37:03,920 --> 00:37:06,240
Speaker 2: about communicating that. And that's why I go, let's strip

826
00:37:06,239 --> 00:37:08,960
Speaker 2: it back and actually go, well, what's our daily budget

827
00:37:08,960 --> 00:37:11,680
Speaker 2: and yours might be so wildly different. Were oh, that

828
00:37:11,840 --> 00:37:14,080
Speaker 2: is a bit different. So I've got one hundred dollars

829
00:37:14,120 --> 00:37:16,319
Speaker 2: a day and you might have eighty dollars a day.

830
00:37:16,360 --> 00:37:18,960
Speaker 2: That is the difference. And I think that there's a

831
00:37:18,960 --> 00:37:21,120
Speaker 2: really good conversation if we go all the way back

832
00:37:21,120 --> 00:37:23,040
Speaker 2: to the start. Whereas if what if Jess and I

833
00:37:23,080 --> 00:37:25,480
Speaker 2: have identified that you don't want to come beck, and

834
00:37:25,520 --> 00:37:28,080
Speaker 2: so we go oh maybe, Actually, Jess, do you really

835
00:37:28,160 --> 00:37:29,759
Speaker 2: want to go to this restaurant? All right, well, don't

836
00:37:29,760 --> 00:37:31,480
Speaker 2: mention it to Beck because you might feel bad. Then

837
00:37:31,520 --> 00:37:35,120
Speaker 2: it becomes this like secret and it becomes like, oh,

838
00:37:35,200 --> 00:37:37,520
Speaker 2: we really want to go, but we haven't told Beck,

839
00:37:37,640 --> 00:37:39,360
Speaker 2: and Beck, oh we don't know, do you know what

840
00:37:39,400 --> 00:37:41,520
Speaker 2: I mean? It becomes this awkward thing. How about we

841
00:37:41,560 --> 00:37:43,319
Speaker 2: just go all right, well, I really want to go

842
00:37:43,320 --> 00:37:45,520
Speaker 2: to these restaurants or do this thing or these are

843
00:37:45,560 --> 00:37:48,359
Speaker 2: my expectations. And as I said, we can work out

844
00:37:48,360 --> 00:37:50,919
Speaker 2: a time that works for everybody so that no one

845
00:37:50,960 --> 00:37:53,680
Speaker 2: feels left out or no one feels like we're being

846
00:37:53,680 --> 00:37:57,640
Speaker 2: a little bit sneaky. Back to the community, Basically, everybody

847
00:37:57,719 --> 00:38:00,280
Speaker 2: said the same thing. Do what you want is your why.

848
00:38:00,400 --> 00:38:03,160
Speaker 2: Someone else said, don't let someone else's money values override

849
00:38:03,200 --> 00:38:05,239
Speaker 2: your own. If this is important to you, go and

850
00:38:05,280 --> 00:38:09,440
Speaker 2: spend that money. Sis. Someone said, spend some days spreading

851
00:38:09,440 --> 00:38:11,440
Speaker 2: out and doing things that you really want to do.

852
00:38:11,560 --> 00:38:14,880
Speaker 2: It's your holiday, enjoy it. Someone else said, it's actually

853
00:38:14,880 --> 00:38:17,360
Speaker 2: really healthy to not spend twenty four seven with the

854
00:38:17,360 --> 00:38:18,520
Speaker 2: people you're traveling with.

855
00:38:18,600 --> 00:38:20,160
Speaker 4: Great points, that's very true.

856
00:38:20,239 --> 00:38:22,680
Speaker 2: Yeah, I think we needed some space.

857
00:38:23,320 --> 00:38:25,520
Speaker 4: I think, yeah, well, you just spend so much time

858
00:38:25,520 --> 00:38:27,560
Speaker 4: with somebody and like you can have a lot of fun.

859
00:38:27,960 --> 00:38:31,359
Speaker 4: But you also, I think in our circumstance, particularly like

860
00:38:31,440 --> 00:38:35,120
Speaker 4: we lived together, we were eating together, we were working together,

861
00:38:35,440 --> 00:38:37,560
Speaker 4: like I mean, we live together on holiday not like normally,

862
00:38:37,719 --> 00:38:39,600
Speaker 4: but Jerry, like you spend so we probably should just

863
00:38:39,600 --> 00:38:41,800
Speaker 4: move in at this point, let's be honest. Yeah, but

864
00:38:42,520 --> 00:38:44,560
Speaker 4: no matter how good of a friends you are with somebody,

865
00:38:45,000 --> 00:38:47,960
Speaker 4: I think everybody needs a break at the point, right,

866
00:38:48,160 --> 00:38:50,360
Speaker 4: and doing separate activities is a great way to do that.

867
00:38:50,640 --> 00:38:53,320
Speaker 2: Yeah, someone said, and we did this a couple of times. Actually,

868
00:38:53,680 --> 00:38:56,160
Speaker 2: someone said we would split up for the day and

869
00:38:56,200 --> 00:38:58,279
Speaker 2: then come back for dinner together to share what we've

870
00:38:58,280 --> 00:39:01,000
Speaker 2: gotten up to. I love that. Isn't that cute? I

871
00:39:01,040 --> 00:39:03,200
Speaker 2: think that's really wholesome. Someone said, I paid for some

872
00:39:03,280 --> 00:39:06,360
Speaker 2: of the things I wasn't willing to compromise on. So

873
00:39:06,440 --> 00:39:08,400
Speaker 2: that's kind of good if you want to upgrade it

874
00:39:08,440 --> 00:39:10,920
Speaker 2: and be like beck, I don't want to go out

875
00:39:10,920 --> 00:39:13,480
Speaker 2: for dinner by myself. I'll pay for you. I still

876
00:39:13,520 --> 00:39:16,439
Speaker 2: get my experience. You come along. You're not stressed. I'm

877
00:39:16,440 --> 00:39:19,760
Speaker 2: not stressed. Everybody's happy. You call that the Victoria define special.

878
00:39:23,120 --> 00:39:24,680
Speaker 4: It's very loving and very generous.

879
00:39:25,239 --> 00:39:28,759
Speaker 2: I feel it attached, but also it's kind of like, ah, Jess,

880
00:39:28,800 --> 00:39:30,319
Speaker 2: I really want to do this, and you're like God,

881
00:39:30,440 --> 00:39:32,120
Speaker 2: I'm like I'll pay, and you're like, I mean.

882
00:39:33,239 --> 00:39:34,080
Speaker 4: I'm s sold.

883
00:39:35,600 --> 00:39:39,360
Speaker 2: All of a sudden, I'm very excited for this, Taylor Swift.

884
00:39:40,920 --> 00:39:43,880
Speaker 2: Someone said you don't need to do everything on holidays together.

885
00:39:44,000 --> 00:39:47,160
Speaker 2: This is a massive misconception. Make a list of events, compare,

886
00:39:47,280 --> 00:39:49,839
Speaker 2: and then organize. I think that's really good. And then

887
00:39:49,880 --> 00:39:51,680
Speaker 2: the last one I'm going to read out today says

888
00:39:51,960 --> 00:39:55,360
Speaker 2: my priority is open honest communication. Lay the cards on

889
00:39:55,400 --> 00:39:58,279
Speaker 2: the table and see what all your friends think. I

890
00:39:58,280 --> 00:40:00,200
Speaker 2: think that's a good place to leave it today, my friend.

891
00:40:00,040 --> 00:40:03,640
Speaker 2: And open honest communication is always the key.

892
00:40:03,880 --> 00:40:06,000
Speaker 4: Let's do travel themed broke tips one week.

893
00:40:06,200 --> 00:40:09,799
Speaker 2: Yeah, good idea, people travel, great idea. Actually, let's see

894
00:40:09,840 --> 00:40:13,319
Speaker 2: that next week. Yeah all right, we will see you

895
00:40:13,360 --> 00:40:16,320
Speaker 2: next week, guys for a money diary, bright and early

896
00:40:16,360 --> 00:40:19,160
Speaker 2: on Monday till then it's my birthday and.

897
00:40:22,840 --> 00:40:23,759
Speaker 4: A week my.

898
00:40:30,160 --> 00:40:32,720
Speaker 2: The advice shared on She's on the Money is general

899
00:40:32,760 --> 00:40:36,640
Speaker 2: in nature and does not consider your individual circumstances. She's

900
00:40:36,680 --> 00:40:40,120
Speaker 2: on the Money exists purely for educational purposes and should

901
00:40:40,160 --> 00:40:43,320
Speaker 2: not be relied upon to make an investment or financial decision.

902
00:40:43,719 --> 00:40:46,160
Speaker 2: If you do choose to buy a financial product, read

903
00:40:46,200 --> 00:40:50,320
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

904
00:40:50,360 --> 00:40:53,640
Speaker 2: your needs. Victoria Divine and She's on the Money are

905
00:40:53,680 --> 00:40:58,439
Speaker 2: authorized representatives of Money. Sheper Pty Ltd. A BN three

906
00:40:58,480 --> 00:41:01,319
Speaker 2: two one IS six four nine two seven seven zero

907
00:41:01,520 --> 00:41:04,239
Speaker 2: eight a f s L four five one two eight

908
00:41:04,360 --> 00:41:14,000
Speaker 2: nine