Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud your
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it. She's on the Money. She's on
Speaker 2: the Money. Hello, and welcome to She's on the Money.
Speaker 2: The team who were going to Taylor Swift. It's not
Speaker 2: even this year, it's next year, but we got the tickets.
Speaker 3: We are going to be insufferable.
Speaker 2: I'm sorry. It's started. Very excited for oh straight in.
Speaker 4: This is the podcast for millennials who want financial freedom
Speaker 4: but also sometimes make really dumb financial decisions, which is
Speaker 4: you know, we're doing it to be relatable with him.
Speaker 4: We feel so lucky though, I'm so excited. But as
Speaker 4: you guys know, today is Friday, our favorite day of
Speaker 4: the week, which means our team has come together to
Speaker 4: celebrate you, our incredible community, and our.
Speaker 2: Incredible tailors tickets.
Speaker 4: Today we're going to be sharing our favorite money wins
Speaker 4: or mister Greech is going to We've got beck on
Speaker 4: broke tips once again, We're going to be answering a
Speaker 4: juicy money dilemma, which this week is all about working
Speaker 4: from home expenses and claiming them in your tax return.
Speaker 4: And we're unpacking something that you slid into our DMS
Speaker 4: about which this week we're chatting all about holiday budgets
Speaker 4: and how to divvy them up between friends. Fair So,
Speaker 4: as always my friends, I'm going to ask you first,
Speaker 4: Beck because I know how Jess this week was.
Speaker 2: How was your week? My week has been lovely, as
Speaker 2: you know, I was in Sydney last week. Get to
Speaker 2: have you back, Thank you so much. It's actually really
Speaker 2: good to be back. Can you know when you like
Speaker 2: go visit family and there's a sweet spot, there's like
Speaker 2: two three days in and you're like, I cannot wait
Speaker 2: to get home, and then spend a week then and
Speaker 2: you kind of get attached. So it's been a weird week,
Speaker 2: but I am happy to be home. So that's was
Speaker 2: your mama happy to see you? I think? So why
Speaker 2: was your mama would have been like, heck and yeah,
Speaker 2: Burke's home. Well it's so nice. I think you definitely
Speaker 2: got sick of me till the end, but good reason. Honestly,
Speaker 2: I'm very excited to see her again.
Speaker 3: Oh good, my mamma, Hi mom, shout out to Mama Beck.
Speaker 2: Let's just how her week was, Jessic, how is your week?
Speaker 2: The best?
Speaker 3: Like the best, the best? Stuttering she cried about the
Speaker 3: cry literally, I'm just thinking about it. I went to
Speaker 3: bed at three in the morning. I was so emped.
Speaker 2: But it wasn't because I hadn't got tickets since she
Speaker 2: was waiting for them.
Speaker 4: Works because she'd already got tickets and was now excited
Speaker 4: about it.
Speaker 3: Be adrenaline is what I put on my Instagram.
Speaker 2: Sorry.
Speaker 3: I was like, this must be what it feels like
Speaker 3: to jump out of a plane because I was the
Speaker 3: one who got through. And I've never been so scared
Speaker 3: in my life that I was going to lose something.
Speaker 2: I was like, I don't know what to do.
Speaker 4: There was actually video evidence of this, so we will
Speaker 4: be putting it in our stories today so that you
Speaker 4: guys can experience.
Speaker 2: I would say, very chaotic. She's on the money, tea
Speaker 2: pav energy.
Speaker 3: But good luck to everybody who's going in for general
Speaker 3: admin tickets today. Congratulations to everyone who already got them
Speaker 3: this week. And just no, I'm not saying anything. I'm
Speaker 3: not promising anything, but I'm just saying when we do things,
Speaker 3: we always think about you. And if I was you
Speaker 3: and I wasn't following us on Instagram or Facebook or
Speaker 3: the newsletter, I would maybe want to do that.
Speaker 2: But I am saying for me what she's saying.
Speaker 3: I don't know.
Speaker 2: I very cryptic. It's relatively cryptic. But if you're a
Speaker 2: swifty you read with screen aler, you're.
Speaker 5: You know.
Speaker 2: But that's it on that. No more from me.
Speaker 4: Hot tips from us though, if you're going in for tickets,
Speaker 4: one browser, one internet connection, one tab open. If you
Speaker 4: have multiple, they're gonna eat them. And another hot tip
Speaker 4: for tickets is if it says sold out really early,
Speaker 4: just keep refreshing and keep trying because they're probably in
Speaker 4: everyone's baskets and if they either expire or people decide
Speaker 4: they don't want to spend that they might actually you know,
Speaker 4: come available again.
Speaker 2: Because yes, that's exactly what happened to us. We got
Speaker 2: them like fifty minutes in.
Speaker 4: Yeah, and a lot of people were very shocked that
Speaker 4: we did because they were saying, oh, ten pasted, they
Speaker 4: were completely sold out. Here's my screenshots, and I was like, yeah,
Speaker 4: but here's my screenshots.
Speaker 2: Bestie of my ticket. Anyway.
Speaker 4: Honestly, this is what it is like to spend adult money.
Speaker 4: This is the only time I've allowed Jessica to even
Speaker 4: look side eye at her emergency fun.
Speaker 2: Side.
Speaker 4: I feel like it's been a journey. We've been trying
Speaker 4: to get these tickets for four months. Like we work
Speaker 4: in radio, so we've been like pestering every single person
Speaker 4: with ever met and ever known, like you have, you're
Speaker 4: going to get pre sal You're going to get presu
Speaker 4: presa presut. We sound like little seagulls. We'll pay you,
Speaker 4: We'll pay you. That's exactly what we were like. Turns
Speaker 4: out we didn't need any of you guys.
Speaker 2: We did it all by ourselves, So thanks anyway, Thanks anyway.
Speaker 2: But everybody was so kind.
Speaker 4: I think that they could see jess and the fact
Speaker 4: that she's already started making friendship bracelets and wearing on
Speaker 4: right now Yah's friendship blot for who what do you mean?
Speaker 2: You trade them at the show? You make friendship bracelets.
Speaker 3: Yeah, and people trade them or give them to each other.
Speaker 2: It's in the crowd. Yeah, it's so whole. That's so cute. Really,
Speaker 2: is this a thing with the All Tailors Swift concert
Speaker 2: or every concert? I think it's just I don't know
Speaker 2: if it was the least a brave thing.
Speaker 4: So I'm not a raver, but I'm on TikTok and
Speaker 4: there are a lot of ravers. They're like, that's the
Speaker 4: thing that we do at our concerts, So now all
Speaker 4: the swifties are doing it, And I was like, you
Speaker 4: don't know that idea.
Speaker 2: It's wholesome. It's wholesome. Everyone can do that.
Speaker 4: You make bracelets. They have to be homemade. They can't
Speaker 4: just be like bracelets that you buy. I don't want those,
Speaker 4: and then you trade them on the night and then
Speaker 4: you take home a heap of bracelets and everybody has
Speaker 4: one of yours.
Speaker 2: That's very cute.
Speaker 5: Cute.
Speaker 3: Anyway, we should get moving along because there's probably people going,
Speaker 3: I don't like Daylor Swift, and to you, I say,
Speaker 3: what's wrong with you?
Speaker 4: Anyway?
Speaker 2: Do I see that's completely fine. I forgot we were
Speaker 2: doing a show right now.
Speaker 1: Up.
Speaker 4: Maybe you're here for the money wins. So Jessica Richard Strange,
Speaker 4: what have you got for us this week?
Speaker 3: My first money when this week comes from Casey.
Speaker 2: To Vicki, and she got Taylor Swift ticket literally.
Speaker 3: Me right at the top money and added money off.
Speaker 3: My first money when is from Casey, who said money win.
Speaker 3: I saved us about one thousand dollars. My yard was
Speaker 3: in need of some serious landscaping, and we thought about
Speaker 3: hiring someone to do it a while back, and this
Speaker 3: past weekend, I just thought, I'm going to do it myself.
Speaker 3: I already had most of the tools, and I spent
Speaker 3: around two hundred dollars on plants and supplies. It took
Speaker 3: me all day to do it because I was by
Speaker 3: myself and it was hot outside and I was ready
Speaker 3: to throw in the towel so many times, but I
Speaker 3: pushed through. And it looks a lot better than before,
Speaker 3: and she has a little before.
Speaker 2: Oh my gosh, that actually looks real cute.
Speaker 3: And it's one of those things you're so right, like
Speaker 3: you can pay someone else to do it, and it
Speaker 3: is totally a payment for convenience, but you can also
Speaker 3: do it yourself, and I love that. My next money
Speaker 3: mean is also a bit of a DII from Sally,
Speaker 3: who said I just moved into a new place and
Speaker 3: I wanted a bougie olive oil bottle. All the ones
Speaker 3: that I could five were twenty five dollars or more.
Speaker 3: So I went to the op shop and I found
Speaker 3: a beautiful bottle for two dollars. What grabbed a pora
Speaker 3: from Dan Murphy's for five bucks and seven dollars later,
Speaker 3: I have myself a pretty bottle.
Speaker 2: Do we have another picture? You have another picture?
Speaker 5: Oh?
Speaker 2: You want a picture? That one's really cute.
Speaker 4: I've been looking at those, but I can't justify them
Speaker 4: like they literally are twenty five bucks. And I'm like, well,
Speaker 4: the olive oil I bought.
Speaker 2: Comes in a bottle. I guess that one will do. Yeah,
Speaker 2: that is by they need.
Speaker 4: Sally's got you self post a picture of my olive
Speaker 4: oil bottle actually on the thread because I've tried to
Speaker 4: peel the label off so.
Speaker 2: Now to make it cuter. Yep, it didn't work.
Speaker 4: Now, No, it's sticky, you know how like the stick
Speaker 4: apart goes real sticky. It's sticky and just like those
Speaker 4: like almost like claws. Yeah, it's not a money win.
Speaker 4: It's not a money loss. It's just weird.
Speaker 2: It's just a big inconvenience. One out of ten looks gross.
Speaker 3: Next, I've got money in from Emma, who said a
Speaker 3: friend of mine just bought land and was really honest
Speaker 3: with me about brunch not being in their budget for
Speaker 3: a while. I suggested, how about we do brunch in
Speaker 3: important to note, I'm a former chef. She's a good cook,
Speaker 3: so no worries about nice it nice breakfast from home.
Speaker 3: I hosted the first one, and twenty five dollars later,
Speaker 3: I had brunch items for five of us and my toddler.
Speaker 2: WHOA, how could that? That's a good deal. That's less
Speaker 2: than I feel like what you would pay for one brunch.
Speaker 2: That's less than five mins each, including that toddler.
Speaker 3: And now they're going to rotate through and take turns,
Speaker 3: so next time brunch will be free.
Speaker 2: We should start doing that. How awesome, that's a really
Speaker 2: good idea, like the breakfast club. Oh yeah, but do
Speaker 2: you know what else Jess and A doing potato club?
Speaker 2: What is this entail?
Speaker 4: We are having a dinner party that you're invited to
Speaker 4: actually everybody. We can't feed everybody, but you're invited the
Speaker 4: rest you make the list back, the rest of the
Speaker 4: team will be invited and we'll share it on socials.
Speaker 4: But we're gonna do a potato party where every single
Speaker 4: item on the menu has to include potatoes, including the drinks.
Speaker 3: Everyone brings a plate. Do potatoes your favorite way? Think
Speaker 3: about that.
Speaker 2: That's a great idea.
Speaker 3: Ten different ways of eating potatoes and cheap, so cheap.
Speaker 3: If you're Noki and a baked potato.
Speaker 4: Inted, you're invited, think about all right, that's on the lead.
Speaker 2: I am.
Speaker 4: I have been looking up whether sweet potatoes make the cart.
Speaker 2: Are they in or are they out?
Speaker 4: Because there are a lot of desserts you can make
Speaker 4: with sweet potatoes but not normal potatoes, so we'll have
Speaker 4: to be crafty. But I did find a recipe for
Speaker 4: pastry made from potato and flour.
Speaker 2: Oh, we can be really creative.
Speaker 3: I am going to try my bestst My next money
Speaker 3: this week is not potato related, but it comes from
Speaker 3: Jody who said my boss paid me a sick day
Speaker 3: when he didn't have to buy law and I was
Speaker 3: just like, oh, that's kind of nice. Like I know
Speaker 3: that you're like, h, that's not exciting. I can see
Speaker 3: it in your face. But remember, for some people, that's
Speaker 3: very exciting. Not everyone has a cool boss.
Speaker 2: I'm not a recoss. I'm a cool boss.
Speaker 4: I appreciate the ego boost, Jessica, but I also just go,
Speaker 4: is that not the bare minimum?
Speaker 2: I know what you mean, but let's celebrate. Let's celebrate it,
Speaker 2: I guess and beyond and I get it.
Speaker 4: I totally get it, but I also just think there
Speaker 4: should be more responsibility on people just being nice.
Speaker 3: Well well done to I don't know a boss's name,
Speaker 3: but well done, Tim Jody. My next money when it
Speaker 3: comes from Chloe, who said my skincare is running out
Speaker 3: and I've been wanting to try go to for a while.
Speaker 3: Today they had a special on so while I spent
Speaker 3: forty dollars on simonees to try, I'm also going to
Speaker 3: get ninety dollars of other product to use as well.
Speaker 2: What how did I miss these?
Speaker 3: I got that targeted at this morning and it looks
Speaker 3: very good. Oh, I'm not sponsored.
Speaker 2: Just avan. I love a targeted dad.
Speaker 3: Ah, they do be targeting the algorithm algorithm, Yeah, I
Speaker 3: love it and lastly got to finish on theme. I
Speaker 3: have a money win from Charlotte, who says I've been
Speaker 3: putting aside small amounts of money for three years just
Speaker 3: in case Taylor Swift tours as a huge Swifty. I'm
Speaker 3: hoping to be buying tickets this week without sacrificing other
Speaker 3: financial goals.
Speaker 2: Love Charlotte and everybody else.
Speaker 4: It makes me so happy because Jess and I were
Speaker 4: talking about this before and we feel incredibly privileged to
Speaker 4: have been able to buy tickets in the pre sale
Speaker 4: because they are obviously, let's be honest, significantly more expensive
Speaker 4: than normal tickets, but as as Swifty since two thousand
Speaker 4: and six, like I have been playing her music on
Speaker 4: piano until my parents will literally like, baby, you need
Speaker 4: a new book, like we're here, and my dad bought
Speaker 4: me Delta Gudrum's book instead. Yeah exactly. But I couldn't
Speaker 4: afford to go to her first concert. I couldn't afford
Speaker 4: to go to her eighteen concept, none of them. And
Speaker 4: now I can and I'm just like we are living
Speaker 4: like past Victoria.
Speaker 2: She is crying.
Speaker 4: She's so proud of future Victoria. I know, but like
Speaker 4: I felt like I missed out. Should be back again.
Speaker 4: It's Taylor Swift, like if you miss out this time,
Speaker 4: Like I totally get that, it would be heartbreaking. I
Speaker 4: think Jess would actually have to take sick days if
Speaker 4: we didn't get tickets, Like I think she'd be on
Speaker 4: mental health.
Speaker 2: Leave enough a hundred percent.
Speaker 4: Like I'd grant it too, I'd allow that. I'd be
Speaker 4: like understandable. It's basically like a death in the family because.
Speaker 2: She's a cool boss. Yeah, she'd be in the moneymans
Speaker 2: next week, Like my boss didn't need to give me
Speaker 2: time on Jess. It was Jess.
Speaker 4: But I just I think it's important to point it
Speaker 4: out because there are going to be people listening that
Speaker 4: are like I can't afford it, or I can't do that,
Speaker 4: or it's really overwhelming at the moment, and it's like
Speaker 4: this too will pass. There's always going to be another opportunity,
Speaker 4: and I think that we need to remind ourselves of
Speaker 4: that as well.
Speaker 2: Back on track, Beck, Okay, so broke tip for this week,
Speaker 2: I've got two from our community, and then I will
Speaker 2: give you one as it usually goes. So the first
Speaker 2: one is from Hannah. Hanna wrote to me and said, so,
Speaker 2: I work in agriculture slash horticulture, and I'm always giving
Speaker 2: up planned tips. But I'm sure there are loads of
Speaker 2: people out there with random job skills that can share
Speaker 2: to the community. For example, my cousin who is a mechanic,
Speaker 2: taught me how to install six buck windscreen wipers, which
Speaker 2: is tips of the trade, which I think is a
Speaker 2: really great easy I have no idea what that is.
Speaker 2: It's like, basically, you know a thing that windscreen the
Speaker 2: windscreen wipers. But basically what the point of this is
Speaker 2: that you know you can go to like there's a
Speaker 2: Brunswick tool library, or you can learn how to Yeah
Speaker 2: there is, Oh that's sick. I don't know where it is.
Speaker 2: I've never been to it. Maybe go to shut down,
Speaker 2: but anyway, please Google. There should be one around you hopefully.
Speaker 2: But you know, if someone like, for example, I learned
Speaker 2: how to change my tire. Now, anytime my tire blows
Speaker 2: and literally just change it myself. I don't have to
Speaker 2: go pay Like, I don't know how much it costs.
Speaker 2: I don't know how much cost because I've never had
Speaker 2: to do it. Because you're really smart because I know
Speaker 2: how to change my tire. Yeah, and even your windscreen wipers.
Speaker 2: If you just know where to buy them and how
Speaker 2: to fit them yourself, you can do that yourself. You're
Speaker 2: saving so much money by learning how to do these
Speaker 2: things on your own, which I think is really just
Speaker 2: a good life tip, let's be honest, a life tip.
Speaker 2: And also I guess if you have the money and
Speaker 2: you want to be you want things to be more convenient,
Speaker 2: and you can'tform it, you can go to the mechanic
Speaker 2: or whatever. It doesn't have to be mechanic, but you
Speaker 2: know what I mean me learning that you need to
Speaker 2: replace your in screen wipers, I had no idea. Are
Speaker 2: they not like here here?
Speaker 1: And they are?
Speaker 2: I just thought that was because my old rusty as wow,
Speaker 2: I like, doesn't even wipe off all the rain or
Speaker 2: no streaky that makes my blood and cold come. She'll
Speaker 2: sort you out. I'll sell you out for a great price.
Speaker 2: If you know what I just said. It's sexual aboute
Speaker 2: hundred dollars, so I'll do it for you for like eighty. Okay,
Speaker 2: that's a good deal. Great, And my next broke tip
Speaker 2: for this week is from I hope I'm saying this right.
Speaker 2: And Alise or Lease I believe their name might be
Speaker 2: or their nickname might be. They pretty much just said,
Speaker 2: if you are wanting a to kind of like double
Speaker 2: up here, feel a little bit wholesome, do something good
Speaker 2: for the community, and also potentially get a little free feed,
Speaker 2: donate blood where possible, which is a really good tip
Speaker 2: you've shared. Yeah, thank you. Well, I wish I could
Speaker 2: take credit, but this one is all analyst, so yeah.
Speaker 2: And they did say, you know, if you are low
Speaker 2: in iron or something, which is kind of my thing
Speaker 2: as well, you can donate plasma. So obviously just like
Speaker 2: go and talk to them and see what you can
Speaker 2: do and what you can donate and what you can't donate,
Speaker 2: et cetera, and you might get a free feed and
Speaker 2: you're doing something really good for the world.
Speaker 3: You get those really nice texts after you've donated blood.
Speaker 3: They tell you when it's going somewhere, like you get
Speaker 3: an update that says your blood's going to children's hospital
Speaker 3: in XYZ and you're, oh, my god, like it's actually, yeah,
Speaker 3: I love helping someone.
Speaker 2: It's so lovely.
Speaker 4: Unless you're like me and you faint on them and
Speaker 4: they say please don't come back.
Speaker 3: Yeah, I have done that, and then they say you
Speaker 3: can't get in your car and you have to uper home.
Speaker 2: Money loss, money loss, Okay, don't do that.
Speaker 6: I was like, okay, so sorry, I can I still
Speaker 6: take a chalky milk? Did you still get a choking
Speaker 6: still got the tricky meal? Oh that's very cute. So
Speaker 6: you're a thief.
Speaker 2: I needed it for my recovery bet. That's no, that's
Speaker 2: very true. That's very true. Okay. I feel like you
Speaker 2: guys are usually disappointed with my personal broked in, but
Speaker 2: no we're not. But that's very nice.
Speaker 4: Okay, we did already dub a different broke tip my
Speaker 4: favorite though, so this better be good.
Speaker 2: It's not gonna be no pressure, Yes, those pressure, it's
Speaker 2: on me. Okay. If you are going out with friends
Speaker 2: and you are partial to a drink and you don't
Speaker 2: want to spend too much money, slept with a man,
Speaker 2: sleep with a man sorry, or women, or or flirt
Speaker 2: with peopleson who who is rich? So marry a rich person. No,
Speaker 2: before you do that, go to the servo, not to service, sorry,
Speaker 2: go to this liquor store and get yourself a four
Speaker 2: dollars bottle of red wine. I'm sure you get that
Speaker 2: in white one too. You can. And if you are broke. Unfortunately,
Speaker 2: you're just gonna have to deal with it, okay, because
Speaker 2: it doesn't It doesn't taste bad. I quite like the.
Speaker 4: Cheap makes you sexier if you're into the cask, but
Speaker 4: if you buy a terrible here this is Victoria's actual
Speaker 4: life hat. Yes, sorry to hijack you there. Please, I
Speaker 4: think you need to try this out for the community.
Speaker 4: By the way, cheap bottle of red wine. Put it
Speaker 4: in the blender.
Speaker 2: What pinch of salt? Blend it?
Speaker 4: The salt counteracts the sul fights in it, so it
Speaker 4: doesn't taste as black, and the aeration makes it taste
Speaker 4: like a better wine.
Speaker 2: Oh, so you like have to blend the hell out
Speaker 2: of it.
Speaker 4: Then just like let it settle and pour it back
Speaker 4: into the bottle, because there's it does feel a bit
Speaker 4: dank pouring a glass of wine from your blender.
Speaker 2: What a nutritious sweet that is delicious and so good
Speaker 2: fights I swear by university Victoria did that all the time.
Speaker 4: That's actually a really good idea, So thank you for that,
Speaker 4: bro tip. You're not going to do that, so you're
Speaker 4: recommending for dollar wine.
Speaker 2: Yeah, personally, I'm not going to do that because I
Speaker 2: know I'm used to the flavor very very cheap things,
Speaker 2: and I quite enjoy.
Speaker 3: So what's your recommendation my brand?
Speaker 2: Oh, my recommendation for a brand? I love a clean Skin.
Speaker 2: I think that's trually the name of the brand. And
Speaker 2: I don't know if that's crazy to say, but I
Speaker 2: don't think it's actually clean. It's it's literally called clean skin,
Speaker 2: and it's like six dollars, I think, and it's very tasty.
Speaker 2: I love a chirasm. So, okay, thanks taking over the world.
Speaker 4: So let's go to a really break and after we're
Speaker 4: going to be talking about working from home expenses and
Speaker 4: how to claim them on your tax return. And we're
Speaker 4: unpacking a DM all about how to budget when traveling
Speaker 4: with friends and splitting costs, and it does get a
Speaker 4: little bit spicy, so guys, don't go anywhere.
Speaker 3: Welcome back, everybody. Let's have a listen to this week's
Speaker 3: money dilemma.
Speaker 4: Hi, there, have you got a money dilemma you just
Speaker 4: can't solve the She's on the team is here to help.
Speaker 4: Every week we tackle your dilemmas, both big and small,
Speaker 4: to answer your most burning money, career and life questions.
Speaker 4: To get involved, simply head to our website and leave
Speaker 4: us a short voice recording, and you might just find
Speaker 4: yourself on the show. Now, let's take a listen to
Speaker 4: this week's Money dilemma.
Speaker 5: Hi, she's on the Money team. I have a question
Speaker 5: following the tax time episode. I was planning to claim
Speaker 5: the fixed rate tax method for working from home, and
Speaker 5: I've been keeping a detailed record of the days and
Speaker 5: hours that I do work for My question is do
Speaker 5: I need to also have a record of the bills
Speaker 5: that I've been paying, so the electricity bills, the water bills, etc.
Speaker 5: For me, I currently live home with my parents, so
Speaker 5: a lot of those bills are in their name other
Speaker 5: than see my telephone bill. I'm not sure if I
Speaker 5: can then claim or what I should be doing. I'm
Speaker 5: a bit confused, and I'm sure there's lots of other
Speaker 5: peop people out there in the same boat. So thanks
Speaker 5: for your help.
Speaker 4: This one's an interesting one because the ATO recently came
Speaker 4: out and said that this year their focus is on
Speaker 4: making sure that people are not claiming things they shouldn't
Speaker 4: be when working from home. Because we went through COVID,
Speaker 4: everybody worked from home. There are a whole heap of
Speaker 4: I guess liberties that we could take to claim while
Speaker 4: working from home, and now they've been like mmmmmm not forever,
Speaker 4: my friends. So I find this an interesting one. Obviously,
Speaker 4: I'm not an accountant, and we really should preface it
Speaker 4: with that, because I think that this is a topic
Speaker 4: that ultimately I can't directly answer. You need to talk
Speaker 4: to your accountant. But what I do know is you
Speaker 4: need documentation. My other question is I'm making the assumption
Speaker 4: that if your parents are paying the bill, they're maybe
Speaker 4: splitting it with you, and if that's the case, you
Speaker 4: could potentially claim your portion, but you would need proof
Speaker 4: of one the total bilberd to what your portion was
Speaker 4: of it.
Speaker 2: But if you're not, for.
Speaker 4: Some reason, actually directly paying the bill, maybe your parents
Speaker 4: just charge you.
Speaker 2: This is an assumption, like two hundred dollars a week
Speaker 2: board or something.
Speaker 4: You can't go ahead and then claim an expense that
Speaker 4: wasn't directly related to you even though.
Speaker 2: You used it.
Speaker 4: It's kind of like you coming over Beck and being like, oh,
Speaker 4: I work from Victoria's house, you know, a couple of
Speaker 4: days a week, I'm going to claim.
Speaker 2: The internet access that I used at her place.
Speaker 4: Like that's not how it works, so I think it's
Speaker 4: it's an interesting question. There's a lot of information this year,
Speaker 4: particularly about working from home and what you can and
Speaker 4: can't claim, on the ATO website, which is ATO dot
Speaker 4: gov dot au, and I would check that out because, honestly,
Speaker 4: the game has kind of changed a little bit. They've
Speaker 4: definitely refreshed the way that they are letting taxpayers claim things,
Speaker 4: but also what costs they're letting you take advantage of
Speaker 4: and not. So I think it's really important to I guess,
Speaker 4: do a bit of research. There's definitely merit in keeping
Speaker 4: that diary that you've kept of when you're working from
Speaker 4: home and how that works. But at the end of
Speaker 4: the day, you need to kind of look at what
Speaker 4: is most applicable to you and what you think is
Speaker 4: fair and reasonable. So I would, honestly, if you're confused,
Speaker 4: talk to an accountant. As you guys know, I'm a
Speaker 4: big fan of getting professional advice where you can afford it.
Speaker 4: The other money win with seeing an accountant is you
Speaker 4: can claim the accountant's fees next year on your tax
Speaker 4: returns to their tax deductible, which is.
Speaker 3: Kind of sexy, and more often than not they pay
Speaker 3: for themselves. Last year was my first year seeing someone
Speaker 3: a tax agent, and it literally they claimed me so
Speaker 3: much more than I knew that I could. So if
Speaker 3: you're in that situation, it might pay for itself.
Speaker 2: Okay, so I obviously can't be giving advice on this,
Speaker 2: but I think everything you guys have said is elite.
Speaker 3: You can have the first crack at the community to
Speaker 3: let me have about that.
Speaker 2: Okay, that found great. You're nothing if not generous, Jess.
Speaker 2: I just won't need to go first. So that's a
Speaker 2: good idea. You're nothing if not generous. I'm nothing.
Speaker 4: That is not how we speak to our fellow team members.
Speaker 2: For you, what's weird for me? I'm so sorry. You're
Speaker 2: not sorry. You're sorry you got called out. I am
Speaker 2: sure even three people left listening to this.
Speaker 3: I know.
Speaker 2: Thanks for coming all the way.
Speaker 4: All right, community dilemma, let's dive in this week. I
Speaker 4: got a message and it sounded like this, Hi, Ve,
Speaker 4: I would love your advice. So I'm going to Europe
Speaker 4: soom with two of my best friends. Like everybody else
Speaker 4: in the country. At this point, as we get closer,
Speaker 4: I've realized that I think we're on totally different pages
Speaker 4: about what type of holiday and experience we want. Me
Speaker 4: and friend number one are quite similar, and we've already
Speaker 4: compromised on accommodation and we met the budget of quote
Speaker 4: friend too. We personally would have been willing to pay
Speaker 4: a bit more, but she wasn't, so we were happy
Speaker 4: to do this for her. But now I'm looking at
Speaker 4: booking a bunch of restaurants and activities for us, and
Speaker 4: she's rejected all of my suggestions, saying that they're too
Speaker 4: expensive and she wouldn't pay that. I'm stuck on what
Speaker 4: to do now, as me and friend number one would
Speaker 4: love to go to nice restaurants and treat ourselves. I've
Speaker 4: worked so hard to save up for this trip, and
Speaker 4: if it comes down to it, I would go and
Speaker 4: do these things, even if it meant going without her.
Speaker 4: But is that awful of us to leave her to
Speaker 4: do all these things when we're all meant to be
Speaker 4: traveling together?
Speaker 2: Mmmmmm, tricky? Tricky? Well, you know, I think we've all
Speaker 2: been that friend that's kind of afford anything, But I
Speaker 2: think that there are al ways around it. It doesn't
Speaker 2: maybe sound like the would I say friend number three?
Speaker 2: Could I call this person that friend number three? Is
Speaker 2: willing to compromise that much, but hopefully it's just like
Speaker 2: a financial compromise. Hopefully they're willing to be like, cool,
Speaker 2: I'll come to this thing with you. I might just
Speaker 2: like eat first. That way I don't have to I
Speaker 2: can just buy a starter and not have to spend
Speaker 2: too much money. I still want to experience these things
Speaker 2: with you, but just not spend the money, which is
Speaker 2: completely You're able to do that, like you don't have
Speaker 2: to miss out on things. But I would say, just
Speaker 2: have a I don't know, just have a chat with
Speaker 2: this person, be like is it financially you're not willing
Speaker 2: or not able to do this? Or do you? Are
Speaker 2: you feeling like this is overwhelming? You like, is there
Speaker 2: an underlying reason why this person is kind of like things?
Speaker 2: Because it's literally just financial. There are so many ways
Speaker 2: around that eat first, go get some street food, go whatever,
Speaker 2: you know, do cheaper things and also do the more
Speaker 2: expensive things. But your friend doesn't have to the participate
Speaker 2: or spend as much money as you're going to spend.
Speaker 2: There are definitely ways around them.
Speaker 3: I think it's hard because in my mind, everyone's entitled
Speaker 3: to holiday that the way that they won and going
Speaker 3: to Europe is no small undertaking. So on one hand,
Speaker 3: I'm like, well, for the friend with the smaller budget, who,
Speaker 3: as you said, we have all been there, you know,
Speaker 3: she might just want to get there, and she might
Speaker 3: just be like, oh my gosh, I'm real happy to
Speaker 3: be here, can barely afford to do anything, but excited nonetheless.
Speaker 3: But at the same time, the friends who have the
Speaker 3: larger budget, I also go for a lot of people,
Speaker 3: a trip to Europe is a once in a lifetime trip,
Speaker 3: and so if there's really exciting things that they've saved
Speaker 3: and they want to do, they should also be able
Speaker 3: to do those. So I feel like it is a
Speaker 3: matter of getting on the same page before you go.
Speaker 3: You don't leave it till you get there, because that
Speaker 3: is a recipe for disaster and for ruining everybody's time
Speaker 3: and way everybody's money. But I think you kind of
Speaker 3: have to find a way, as you said, to either
Speaker 3: compromise and meet in the middle. Like they've compromised on
Speaker 3: the accommodation. It's within the budget of everyone. Are there
Speaker 3: some restaurants that you can add to lists that are
Speaker 3: in the budget of everyone? But I also think that
Speaker 3: they may be the girls with the bigger budget need
Speaker 3: to do some lower budget activities, and the girl with
Speaker 3: the lower budget needs to be okay with the girls
Speaker 3: with the larger budget maybe going off and doing some
Speaker 3: things on their own. Because I think when you travel
Speaker 3: in a group, there's this misconception that you always have
Speaker 3: to be together all of the time. As well, we've
Speaker 3: done that.
Speaker 4: Jess and I went to Europe in a group of
Speaker 4: what was there five of us and it didn't mean
Speaker 4: that we were all doing the same thing. So guess
Speaker 4: what beck no chance was I getting up at six
Speaker 4: am in Paris to go to the fancy museum to
Speaker 4: get the content photos.
Speaker 2: Who was doing this?
Speaker 3: Oh wow, I've always wanted to see water lilies and
Speaker 3: I got to sit there and absorb it and it
Speaker 3: was the best experence.
Speaker 2: There was nobody else there.
Speaker 3: It was like me and the paintings was gorgeous, and
Speaker 3: I was like, I'm going to get me up. So
Speaker 3: that's the thing, right, Like everyone has different values, and
Speaker 3: everyone I think should be able to enjoy their holiday
Speaker 3: in a way that they can afford. I think if
Speaker 3: you do all want to travel together, you've got to
Speaker 3: compromise and find a way to meet in the middle.
Speaker 3: If you can't, it might be that maybe your trips
Speaker 3: just aren't a one and that is also okay. If
Speaker 3: you go, we want to have a really fancy, bougie holiday,
Speaker 3: and Friend number three goes, oh, I just want to
Speaker 3: kind of do a budget, just want to see the world,
Speaker 3: backpack it across, also very fine. But it may be
Speaker 3: that you actually can't do the two concurrently, and maybe
Speaker 3: you just go.
Speaker 2: Oh, maybe we do two separate trips.
Speaker 3: Maybe Friend three fines Friend four to go with them,
Speaker 3: and friend want and two go off on their own,
Speaker 3: or maybe you travel together for a little bit and
Speaker 3: split off, or something like that. Because you don't want
Speaker 3: anyone to come home from something like that, which is
Speaker 3: such a huge financial investment to come from Australia just
Speaker 3: to get there is several thousand dollars before you pay
Speaker 3: for anything else. You don't want anyone to come home
Speaker 3: from that feeling disappointed. And that's you know what I mean.
Speaker 3: I feel like they're doing the right thing. Now, hash
Speaker 3: it out now, I think.
Speaker 4: Again reiterating what you said, Jess, like, have the conversation
Speaker 4: beforehand is perfect, but we're clearly not in that situation.
Speaker 4: We've now booked, we're in the middle of it. I'd
Speaker 4: actually sit down and go, all right, well, let's wipe
Speaker 4: off the table everything that we want to talk about, Like,
Speaker 4: I don't care about what you want to do, I
Speaker 4: don't care what you want to do back, and we're
Speaker 4: going to sit down and just talk about all right, well,
Speaker 4: what was your daily budget? What did that look like?
Speaker 4: How can we mix and match activities to suit? Because
Speaker 4: when you're in Europe, if you do enough good research,
Speaker 4: there are so many free things to do. And some
Speaker 4: of my favorite things when I have traveled to different locations,
Speaker 4: and I think I've said this on the podcast on
Speaker 4: the travel episodes, my favorite thing to do when I
Speaker 4: get to a new location I've never been on is
Speaker 4: finding a walking tour and going on one of those
Speaker 4: because you get to see like the town and honestly,
Speaker 4: they're free because they run by, let's be honest, crazy
Speaker 4: passionate people about the town.
Speaker 2: They know all of the tips, they know.
Speaker 4: All of the good bars, they know all the really
Speaker 4: interesting fact they'll point out their cemetery and tell you
Speaker 4: who is in there, like it's just so interesting, and
Speaker 4: I mean, yes, you probably should be tipping your travel
Speaker 4: guide and whoever has taken you. But if you can't
Speaker 4: afford that, then they're absolutely free. But there are so
Speaker 4: many things that you can do that are free that
Speaker 4: means that might free up a bit of that daily
Speaker 4: budget to have a nice at dinner. And at that
Speaker 4: point you can say, well, we want to go and
Speaker 4: do this and this. Jess what day would suit you? Oh,
Speaker 4: I don't really want to go Okay, no worries. What
Speaker 4: day would suit you for Beck and I to go
Speaker 4: off and have that fancy dinner? Is there something like
Speaker 4: that you know you've worked out you want to see
Speaker 4: and you might go just oh, actually, I found this
Speaker 4: pub in London that does truviaut and tend doll the Parmers,
Speaker 4: and I'm going to go to that see if i
Speaker 4: can make some new friends and I go bingo. That's
Speaker 4: the day Beck and I are going to go off
Speaker 4: because we all have something that we can get up to.
Speaker 4: So I think planning is really important, but also just
Speaker 4: being really honest, like we really want to do these things,
Speaker 4: they're on our list. How can we make those things happen?
Speaker 4: When you travel as a group. From my perspective, it
Speaker 4: is about compromise, like, it's not my dream holiday, it's
Speaker 4: our dream holiday. So it's not going to be one
Speaker 4: hundred percent what Victoria wants or one hundred percent what
Speaker 4: Jess wants. We kind of have to go, well, what
Speaker 4: does this budget look like, how does this work? How
Speaker 4: can we save? And something that you know Jess knows
Speaker 4: because I'm.
Speaker 2: Unlucky for her. She traveled with me quite a bit.
Speaker 3: Now.
Speaker 4: I don't care about breakfast in other countries. I am
Speaker 4: a brunch girly through and through in Australia. Going out
Speaker 4: for breakfast in other countries. To me, Jess what do
Speaker 4: I think of it?
Speaker 2: Not much? Absolutely absolute lost money.
Speaker 4: I'm like, this is for fuel. I'm not enjoying myself
Speaker 4: before ten am. It's not gonna happen. So if there's
Speaker 4: free breakfast buffet, it's fantastic. Am I adding it on
Speaker 4: to my hotel experience though, Jessica?
Speaker 2: Absolutely not. No, We're not paying for that.
Speaker 4: I'm not paying for the privilege of two slices of
Speaker 4: not even veggie might toast because you don't offer that
Speaker 4: in Europe. But a toast what another ten euros or something?
Speaker 4: Absolutely not, Jess.
Speaker 3: What are we doing we're going to the supermarket.
Speaker 2: Thank you whoa You guys did not even rehearses ahead
Speaker 2: of time because she knows, she knows Rain. I cannot
Speaker 2: believe what's happening right in front of my knows.
Speaker 4: Like the second we got to America, I was like, right,
Speaker 4: we're off to target.
Speaker 2: What do you want?
Speaker 4: What's your cereal of choice? Got a big thing of
Speaker 4: boat milk coffee. Oh no, we're not paying for American coffee.
Speaker 2: No, we wint buy breakfast for a week.
Speaker 5: No.
Speaker 2: Wow.
Speaker 4: It was like twenty dollars American and we got in America.
Speaker 2: Like their coffee is honestly, it's not better.
Speaker 4: Australian coffee is elite, but their bottled coffee is better,
Speaker 4: and they like do bottled Starbucks.
Speaker 2: So it's like what like cold.
Speaker 4: Filtered coffee just doesn't drink coffee because it's a psychopath
Speaker 4: but filtered coffee and then like you can buy a creamer.
Speaker 4: So I was making my own coffee is in the room,
Speaker 4: and I was Jess. I took my own sippy cup,
Speaker 4: like you know, like the plastic reusables, you know, the
Speaker 4: Starbucks like were usable, like made my owner slatt and
Speaker 4: would take them back to the conference.
Speaker 2: Yeah, that's not embarrassed.
Speaker 4: Of me sometimes not wasting money on that like that
Speaker 4: to me. You know what, if you love breakfast, you
Speaker 4: do you the idea that we could have a really
Speaker 4: relaxed warning, we'd get up.
Speaker 2: I'd be like, oh, do you want me to make
Speaker 2: your cereal? Don't start with me. No one's safe in
Speaker 2: this room. She is a dry.
Speaker 4: What Jessica Jessica raw dog cerealso not obvious. My hands.
Speaker 2: Dry not all. You can't do it.
Speaker 3: You can't do it all cereals, Like, there is a
Speaker 3: select few cereals that taste better dry rice bubbles.
Speaker 2: But I would never use a spoon. You use your
Speaker 2: hands into a chick. It's not a chip. Yeah, they're
Speaker 2: like tiny.
Speaker 3: Yeah, just goop up a handful of.
Speaker 2: Snacks.
Speaker 3: That's true.
Speaker 2: That's the good point with the bag and you like
Speaker 2: get all, you like pour it? Like what were you
Speaker 2: missing here?
Speaker 5: Is?
Speaker 2: She said? Rice bubbles the most.
Speaker 4: Blend of cereals, which really good.
Speaker 3: Lucky Charms also delicious.
Speaker 2: I love it Lucky.
Speaker 4: Okay, but they're mini marshmallows. So she was eating dry
Speaker 4: cereal every morning.
Speaker 3: And the victory would make my cereal and make my cereal.
Speaker 2: And I was like breakfast in bed baby that it
Speaker 2: was actually really good. And then America again everything is
Speaker 2: made for convenience.
Speaker 4: We bore what did we buy? Those like uncrustable sandwiches.
Speaker 4: Love those un crustable sandwiches are my favorite thing in
Speaker 4: the entire world.
Speaker 2: Crustable sandwich.
Speaker 4: It is exactly what you think it is. It's not
Speaker 4: a sandwich without a crust.
Speaker 5: Cool.
Speaker 4: It's like they made a white bread sandwich with peanut
Speaker 4: butter and jelly and then they got around cookie cutter
Speaker 4: and cut the middle out.
Speaker 3: And then they gave the great idea and your m
Speaker 3: ands is really good. They do a lot of little
Speaker 3: pre done you can do like a apples and peanut butter,
Speaker 3: or they do these really yummy cuoses that come with
Speaker 3: their own little sauce. Like there's lots of things that
Speaker 3: you can get that will cost you very little money
Speaker 3: that if you stash them in your hotel fridge.
Speaker 4: I feel like this lunch is done, leading us into
Speaker 4: another like Victoria and Jess travel hacks, because we honestly,
Speaker 4: I would think every time we've traveled, when we've done America,
Speaker 4: we've done a lot of Europe we did the UK.
Speaker 4: We go into America again this year for another conference.
Speaker 4: I would say that the most money we spend on
Speaker 4: food is definitely dinner, Like we'll go out for a
Speaker 4: nice dinner and have a nice dinner, but we're very
Speaker 4: likely to eat our breakfast in our rooms before we go,
Speaker 4: carry snacks and maybe go and just do convenience lunches. Yeah,
Speaker 4: like somewhere cheap, like we're not dining out for lunch.
Speaker 2: It's or like is it five bucks? Yep, that's a
Speaker 2: good deal.
Speaker 3: Yeah, you can do it cheap, and so you like
Speaker 3: as to get bring back around to the point like
Speaker 3: you can do it really affordably, I think. But it's
Speaker 3: again it's about finding someone who's happy to do the
Speaker 3: same thing as you. Because if I was like no, no, no,
Speaker 3: like I want to go to the Riots for breakfast
Speaker 3: every morning and have something really fancy, and Victoria's like, oh, well,
Speaker 3: I really want my one dollar uncrustable, so I do
Speaker 3: do either we go okay, great, we go to our
Speaker 3: own things, or someone's going to have to compromise or
Speaker 3: it's not true.
Speaker 4: But it's all about communication, right, And I think it's
Speaker 4: also about the experience that you make it like having
Speaker 4: a quick lunch might not be for you. But the
Speaker 4: way we made it was like, let's go to M
Speaker 4: and S or let's go to the supermarket. In France,
Speaker 4: we went a board of bread and butter and I think, yeah, literally,
Speaker 4: but we went and had a picnic and like did
Speaker 4: like just little things like that where it's like, well,
Speaker 4: how do we make this into an experience without upgrading
Speaker 4: how much it costs? And I think just talking about
Speaker 4: it and going, oh cool, Well, what area are we.
Speaker 2: Going to be in?
Speaker 4: Oh, a quick lunch would make sense because we're going
Speaker 4: from one venue to another, or oh, we actually have
Speaker 4: a couple of hours. I don't want to do a
Speaker 4: long lunch that would be expert. How about we do
Speaker 4: a little picnic. We can go to the supermarket and
Speaker 4: get a tump of homics and some dip. Like we
Speaker 4: can actually make this a very cheap lunch. That works
Speaker 4: out all right. So we did ask the community. We said,
Speaker 4: have you had a similar experience when traveling with a friend?
Speaker 4: Fifty five percent of you said yes, And we said,
Speaker 4: if yes, did it negatively impact your friendship?
Speaker 2: Fifty eight percent said yes.
Speaker 4: Then we said, do you think it's okay for the
Speaker 4: two friends to do things without the third friend, and
Speaker 4: eighty six percent of you said yes, absolutely. I just
Speaker 4: think it needs to be well communicated. I don't think
Speaker 4: it's a bad thing to go, oh, well, Jess, I
Speaker 4: really want to do X, Y and Z, like if
Speaker 4: it's not in line with their values, like why are
Speaker 4: you pushing it on them in every other circumstance of
Speaker 4: your life? That is not acceptable from my perspective. Why
Speaker 4: would it change when you're on holidays?
Speaker 2: If you feel loved and cared for and secure in
Speaker 2: your friendship, and you make someone feel secure in the friendship,
Speaker 2: then you can go and.
Speaker 4: Do And I think there's the right way to go
Speaker 4: about communicating that. And that's why I go, let's strip
Speaker 4: it back and actually go, well, what's our daily budget
Speaker 4: and yours might be so wildly different.
Speaker 2: Were Oh, that is a bit different.
Speaker 4: So I've got one hundred dollars a day and you
Speaker 4: might have eighty dollars a day. That is the difference.
Speaker 4: And I think that there's a really good conversation if
Speaker 4: we go all the way back to the start. Whereas
Speaker 4: if what if Jess and I have identified that you
Speaker 4: don't want to come Beck, and so we go, oh, maybe, actually, Jess,
Speaker 4: do you really want to go to this restaurant? All right, well,
Speaker 4: don't mention it to Beck because you might feel bad.
Speaker 4: Then it becomes this like secret and it becomes like, oh,
Speaker 4: we really want to go, but we haven't told Beck,
Speaker 4: and Beck, oh we don't know, do you know what
Speaker 4: I mean?
Speaker 2: It becomes this awkward thing.
Speaker 4: How about we just go, all right, well, I really
Speaker 4: want to go to these restaurants or do this thing
Speaker 4: or these are my expectations. And as I said, we
Speaker 4: can work out a time that works for everybody so
Speaker 4: that no one feels left out or no one feels
Speaker 4: like we're being a little bit sneaky. Back to the community. Basically,
Speaker 4: everybody said the same thing. Do what you want is
Speaker 4: your why. Someone else said, don't let someone else's money
Speaker 4: values override your own. If this is important to you,
Speaker 4: go and spend that money.
Speaker 2: Sis.
Speaker 4: Someone said, spend some days spreading out and doing things
Speaker 4: that you really want to do. It's your holiday, enjoy it.
Speaker 4: Someone else said, it's actually really healthy to not spend
Speaker 4: twenty four seven with the people you're traveling with.
Speaker 3: Great points.
Speaker 2: That's very true. Yeah, I think yeah, we needed some space.
Speaker 3: I think, yeah, well, you just spend so much time
Speaker 3: with somebody and like you can have a lot of fun,
Speaker 3: but you also, I think in our circumstance, particularly like
Speaker 3: we lived together, we were eating together, we were working together,
Speaker 3: like I mean, we live together on holiday, not like normally,
Speaker 3: but Jerry, like you spend so.
Speaker 2: We probably should just move in at this point, let's
Speaker 2: be honest.
Speaker 3: Yeah, but no matter how good of a friends you
Speaker 3: are with somebody, I think everybody needs a break at
Speaker 3: the point, right, and doing separate activities is a great
Speaker 3: way to do that.
Speaker 4: Yeah, someone said, and we did this a couple of times. Actually,
Speaker 4: someone said we would split up for the day and
Speaker 4: then come back for dinner together to share what we've
Speaker 4: gotten not to I love that.
Speaker 2: Isn't that cute? I think that's really wholesome.
Speaker 4: Someone said, I paid for some of the things I
Speaker 4: wasn't willing to compromise on. So that's kind of good
Speaker 4: if you want to upgrade it and be like beck,
Speaker 4: I don't want to go out for dinner by myself.
Speaker 2: I'll pay for you.
Speaker 4: I still get my experience. You come along. You're not stressed.
Speaker 4: I'm not stressed. Everybody's happy. You call that the Victoria
Speaker 4: define special.
Speaker 3: It's very loving and very generous.
Speaker 4: I feel it attached, but also it's kind of like, Ah, Jess,
Speaker 4: I really want to do this, and you're like, God,
Speaker 4: I'm like i'll pay.
Speaker 2: You're like, I mean, I'm suld all of a sudden,
Speaker 2: I'm very excited for this, Taylor Swift.
Speaker 4: Someone said you don't need to do everything on holidays together.
Speaker 4: This is a massive misconception. Make a list of events, compare,
Speaker 4: and then organize. I think that's really good. And then
Speaker 4: the last one I'm going to read out today says
Speaker 4: my priority is open honest communication. Lay the cards on
Speaker 4: the table and see what all your friends think. I
Speaker 4: think that's a good place to leave it today, my friend.
Speaker 4: Open honest communication is always the key.
Speaker 3: Let's do travel themed broke tips one week.
Speaker 2: Yeah, good people travel, great idea. Actually, let's see that
Speaker 2: next week.
Speaker 4: Yeah all right, we will see you next week, guys
Speaker 4: for a money diary, bright and early on Monday till
Speaker 4: then it's my.
Speaker 2: Birthday and a week my.
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