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

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Speaker 1: the Order Kerni Wholbury 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.

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

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Speaker 4: Hello, and welcome to She's on the Money podcast that

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Speaker 4: makes personal finance fun, especially on Fridays. It is our

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Speaker 4: favorite day of the week because we get our little

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Speaker 4: team together and we celebrate you, our incredible She's on

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Speaker 4: the Money community, Miss Jess Gricci's got some money wins

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Speaker 4: and confessions for us. Miss beck sayed, I think she's

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Speaker 4: got a few unhinged broke tips to share. This week,

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Speaker 4: we're going to be helping to answer our money dilemma,

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Speaker 4: which this week is all about how to finance a

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Speaker 4: removable home and then something you slid into our DMS

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Speaker 4: about ADHD tax and feeling like a burden on your

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Speaker 4: partner relatable not the removable home thing, but I do

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Speaker 4: happen to know how to finance one of those.

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Speaker 2: So we'll get there later. Find Yeah, you can find out.

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Speaker 2: You can find out.

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Speaker 4: But before we get there, first things first, how have

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Speaker 4: your week's been?

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Speaker 3: Really?

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Speaker 5: Good?

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Speaker 2: Team, She's on the money is for the most part,

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Speaker 2: back on deck now, which is very exciting.

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Speaker 4: I feel like everyone is just like a lull, Like slowly,

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Speaker 4: slowly things are starting to.

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Speaker 2: Take I'm having a lot of circling back emails from

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Speaker 2: all the ones I sent you into THEMBAR saying back

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Speaker 2: to this in January, and now everyone's coming back.

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Speaker 4: Actually I didn't want you to actually come back. I

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Speaker 4: didn't mean that. Also circle back corporate speak, we're canceling.

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Speaker 2: That my actions with January didn't say yeah.

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Speaker 4: I actually meant next year. Yeah, you're like you go away. No,

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Speaker 4: It's it's been fun Beck being back on deck.

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Speaker 2: How's how's life?

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Speaker 4: If you kept up the motivation levels that we had

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Speaker 4: last week, you know what I.

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Speaker 2: Think I actually have.

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Speaker 5: But it is such a weirdly sad time of year

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Speaker 5: because it's like, oh I got to with now we

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Speaker 5: have to wait a whole another year for this like

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Speaker 5: nice period where everyone's excited, everyone's in the mood of

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Speaker 5: like like to be festive.

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Speaker 4: Okay, but like, let's reframe it. We've got a year,

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Speaker 4: We've got a year to look forward to it, We've

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Speaker 4: got a year to set up our savings accounts. So

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Speaker 4: this period of the year is not financially stressful.

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Speaker 2: Yes. No, I've got a money team this week. You've

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Speaker 2: got a money team, you know, one of those old

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Speaker 2: school ones. And I like a cute with the can

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Speaker 2: open up. Yeah, made the outside cute, and we're putting

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Speaker 2: coins in it and I'm going to buy my treat

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Speaker 2: myself to.

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Speaker 4: Okay, Okay, I've got questions.

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Speaker 2: I love that. Where are you getting coins? Well, I'm

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Speaker 2: trying so when I saw things cause I just don't

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Speaker 2: have cash, when I saw things on Facebook, Mark place

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Speaker 2: all the time, you get cash, and I'm trying to

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Speaker 2: use it a little bit more because I feel like

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Speaker 2: I like that I have the coins that I then

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Speaker 2: squirre all away.

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Speaker 4: See, I've got a little dish beside our front door. Yeah,

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Speaker 4: you're gonna rob me, Like, that's where to go gas.

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Speaker 4: All the coins are there, good to know, but I

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Speaker 4: don't know what to do with the twenty and fifty

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Speaker 4: cent pieces in there. Put them in my money, sir,

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Speaker 4: I'll bring them in because at this point, at this

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Speaker 4: point they're a burden.

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Speaker 2: I am so annoying.

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Speaker 5: I literally yesterday it is actually I like I had

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Speaker 5: five cents, tense, it's all the coins in the world,

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Speaker 5: and I like kind of put them into little piles

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Speaker 5: of my hand and then just like went and filled

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Speaker 5: up my pedal tank and I was like thirty and

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Speaker 5: then with fifty cents And.

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Speaker 4: You are really annoying but also sligh.

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Speaker 2: Yeah, it's like free petrol. Also, you know that you

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Speaker 2: can put them in a coin counter at the bank

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Speaker 2: and just deposit them into account. Yeah, but that's.

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Speaker 4: Another it is. But also like once it's in the account,

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Speaker 4: it doesn't feel no, it becomes real money again. Yeah. Yeah,

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Speaker 4: coins are fake money, fake money anything which points fake

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Speaker 4: money not actually a real purchase. Basically financial advice right there.

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Speaker 2: Did we get a good review this week?

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Speaker 4: I was an award winning financial advisor. Yep, we did.

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Speaker 4: We got a beautiful review this week. Would you like

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Speaker 4: me to read it out?

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Speaker 2: Yes? Yes, please?

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Speaker 4: This one comes from Linn Britt. I don't know if

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Speaker 4: her name's Britt or Linn to use the name, but

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Speaker 4: five star review. I stumbled onto the She's on the

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Speaker 4: Money podcast a few weeks after I had separated from

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Speaker 4: my husband, and it was a godsend. I devoured all

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Speaker 4: of the previous episodes and have religiously listened every week

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Speaker 4: for the last several years. All the ladies and the

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Speaker 4: show are so relatable, even though they are so diverse.

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Speaker 4: Victoria's financial knowledge has supported me to set up an

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Speaker 4: emergency fund, manage my cash flow so that I could

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Speaker 4: buy my husband out of our joint mortgage. Yes gross,

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Speaker 4: arranged my kids to be beneficiaries for my superannuation and insurances,

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Speaker 4: and I've started investing and I'm in the most secure

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Speaker 4: financial position I've ever been in, despite now relying on

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Speaker 4: just one wage. I wouldn't have done any of that

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Speaker 4: without Sheese on the Money being so accessible and easy

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Speaker 4: to understand. Thanks a million times over. Oh God, that

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Speaker 4: is so illeged. Leaving your husband and being more financially

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Speaker 4: stable than ever and arriving and that's like, that is

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Speaker 4: what people are so stressed about, like, oh my god,

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Speaker 4: I'm going to leave, I'm going to do this.

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Speaker 2: It's going to become a clown car like what. But

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Speaker 2: you've got your stuff together.

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Speaker 5: That's incredible. That is so that would be not a

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Speaker 5: easy task at all. That's really really right.

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Speaker 2: I love our community. I know of what you go achieve.

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Speaker 2: I love that you give us some credit.

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Speaker 4: But I think it's also so important that wasn't us

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Speaker 4: we had a podcast, but like this podcast has existed

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Speaker 4: for so long. Yeah, and that doesn't mean that we

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Speaker 4: do the work for you. We can't do the work

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Speaker 4: for you. If I could, I would totally like I'd

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Speaker 4: be like, let me get your bank accounts, but unfortunately

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Speaker 4: you actually have to do the work. Like kudos to you,

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Speaker 4: because yeah, we gave you the information, but like when

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Speaker 4: people get the information.

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Speaker 5: And do nothing with that exactly me for example, And

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Speaker 5: so you you actually got it, you did.

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Speaker 4: It, are though, and last year became an investor.

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Speaker 5: Beck, Oh true, look at her go I wanted to

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Speaker 5: check that.

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Speaker 2: Yeah.

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Speaker 4: Alright, moving on, miss Jess, you got some money wins

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Speaker 4: and confessions to share with the fam?

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Speaker 2: I sure do. First of this week, I've got one

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Speaker 2: from Olivia, who I just wanted to say we have

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Speaker 2: matching profile pictures. She's a photo of the tar her

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Speaker 2: out front of the taj my Hull twinty.

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Speaker 4: I thought she borrowed your photo and I'd be like,

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Speaker 4: the time, you do look really cute, but that's weird.

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Speaker 2: Olivia said, I'm a bit addicted to chat GPT now,

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Speaker 2: and she said, can we all elect to use just

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Speaker 2: the free version? She said she's someone who struggles with

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Speaker 2: meal planning and staying under budget, so she'll ask a

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Speaker 2: questions like give me lunch ideas based on the coll

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Speaker 2: specials this week, or give me some dinner ideas that

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Speaker 2: I can cook in under twenty minutes with fruits and

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Speaker 2: veggies that are currently in season. She said it's also

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Speaker 2: great when she needs to reduce her takeaway cots and

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Speaker 2: she asks it what she can use based off what's

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Speaker 2: in her fridge. I adore it.

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Speaker 4: And for those of you who are like, oh, chat GPIT,

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Speaker 4: it's only okay, you're not giving it enough information. You

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Speaker 4: need to prime that baby so well and be so specific.

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Speaker 4: Like the more specific the better it takes. All of

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Speaker 4: that Intoicate said, I love it in our team chat

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Speaker 4: GPT is a team member called Gizelle. You asked Gizelle

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Speaker 4: to do that, she will do it. She's a model,

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Speaker 4: she's so good like that exactly.

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Speaker 2: Just what else have you got?

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Speaker 6: Next?

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Speaker 2: I've got money in from Chow said I started turning

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Speaker 2: things off at the wall socket and I had my

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Speaker 2: power bill. WHOA, she said, you got the second bill

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Speaker 2: since studying, and it was eighty seven dollars. That what

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Speaker 2: what for the month was for the quarter? For the

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Speaker 2: I'm assuming for the months. That's really really I really

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Speaker 2: love that.

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Speaker 4: I think that is great. I'm a skeptic and think

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Speaker 4: that there's a bigger issue in the Maybe you had

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Speaker 4: a piece of equipment that was draining your power significantly

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Speaker 4: or was not working.

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Speaker 2: I feel was really high. But one of those tester

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Speaker 2: things that you can plug things into.

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Speaker 4: Yeah, one of those.

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Speaker 2: In a good way.

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Speaker 4: I can also imagine her getting a hard hat, putting

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Speaker 4: it on and walking around there.

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Speaker 2: I'm going to inspect this. It's the cutest image. Next,

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Speaker 2: I've got to own you in from Abby, who said

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Speaker 2: she got a four hundred and twenty dollars refund from

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Speaker 2: the ATYO because she had previously paid off her hex

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Speaker 2: after the big indexation. How good. I feel like a

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Speaker 2: lot of people have probably seen that rolling out over

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Speaker 2: the past few weeks, haven't looked at your hext.

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Speaker 4: We've got a lot of people in our community as

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Speaker 4: well who choose to still contribute to their hex quote

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Speaker 4: because they told their employer that it's still there, and

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Speaker 4: then at tax time they get a heap of money

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Speaker 4: back because they're like, I'm so bad at saving, so

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Speaker 4: I'm just going to do this. Whether or not that's

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Speaker 4: a good strategy is still to be determined, but it's

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Speaker 4: just a strategy, and an interesting one at that.

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Speaker 2: Next, I've want of money in from Molly, who said

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Speaker 2: she logged into her iron G bank account to see

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Speaker 2: she'd been gifted one hundred dollars as part as their

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Speaker 2: giving program is give iron G very clever whoever came

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Speaker 2: up with that. In the marketing team, she covered lunch

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Speaker 2: for her and her friends on Saturday's on Money Team

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Speaker 2: also free money, saying where is it?

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Speaker 4: Yes?

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Speaker 2: Lease thanks? Last of this week, I've got money from Holly,

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Speaker 2: who said she just Molly and Holly.

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Speaker 4: I like it.

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Speaker 2: That actually is very cute. I didn't even realize that

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Speaker 2: money in from Holly who said she just grabbed groceries.

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Speaker 2: Thanks to every Day Rewards and Flybys points, she spent

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Speaker 2: a little over ten dollars instead of three hundred and twenty. Sorry,

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Speaker 2: what crazy working the system? He has hacked the system.

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Speaker 2: That's so good.

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Speaker 4: I'm so impressed. But like proof that it all adds up.

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Speaker 2: Yeah, if you're an everyday rewards person, turn on your

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Speaker 2: savings thing now for Christmas because you can turn it

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Speaker 2: onto your points bank. So I'm not. I'm not. I'm

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Speaker 2: a Coles girlie.

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Speaker 4: I am a coldly I'm going to hack the fly

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Speaker 4: By system this year. You best believe one pass. Watch out, Yeah,

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Speaker 4: watch out for you. Watch out if you think I'm

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Speaker 4: not going to abuse your system within the breadth that

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Speaker 4: you've set.

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Speaker 2: Yeah, she's milking it.

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Speaker 4: Yeah, I'm going to milk it for all you are

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Speaker 4: going to let me have It's excited, clever. Have you

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Speaker 4: got some broke tips this week?

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Speaker 5: Okay, So I don't know if anyone listened last week,

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Speaker 5: you might have heard me mention I'm kind of doing

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Speaker 5: some more hinge things this year, more unhinged than last.

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Speaker 2: Year, more unhinged than last year.

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Speaker 4: Would we be concerned for your mental health? Yeah?

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Speaker 2: I think, so you let me know what you need,

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Speaker 2: and I'm right here.

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Speaker 5: Well, this one actually comes from clothes. This one was unhinged,

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Speaker 5: but I really like it. I know it's silly and.

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Speaker 4: Probably maybe still saving money. Yes, exactly, so clothes, there's unhinged.

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Speaker 4: But put clothes that are too big in the dryer

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Speaker 4: so they shrink and fit you better.

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Speaker 2: Honestly, I've done that, but honestly I do.

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Speaker 4: That with my genes all the time. Like my jeans

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Speaker 4: are one. It's too big because I ordered them on

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Speaker 4: the Iconic and I couldn't be bothered returning them, and

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Speaker 4: so I put them extra hot in the dryer and

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Speaker 4: now they fit.

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Speaker 2: So yeah, personal, it's fantastic. Yes, there you go. I've

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Speaker 2: really really back this.

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Speaker 5: I think, don't buy new clothes, just keep drying them

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Speaker 5: til they get small, like that Picasso. This next one

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Speaker 5: comes from I believe the names Owen, but I could

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Speaker 5: be wrong. So I care memberships are apparently free, and it

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Speaker 5: means you can return your furniture within three hundred and

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Speaker 5: sixty five days for a full refund if you do.

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Speaker 2: I can't key membership.

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Speaker 4: I don't know. So you're saying, if I'm moving to

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Speaker 4: Melbourne for six months, I could dip my house out

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Speaker 4: in I Care furniture then for genal That's what.

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Speaker 2: I'm thinking, Never do that. Who's an option?

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Speaker 5: It's an option, but genuinely that's what I'm thinking. I'm like,

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Speaker 5: you want to impress someone, you have someone coming over

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Speaker 5: for a date. Now I've got my I K Calyx

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Speaker 5: shelves with the tags still on.

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Speaker 2: They're not coming off. Yeah, Like I think that's really really.

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Speaker 4: I'm impressed totally. That's actually really good to know.

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Speaker 2: And especially it's a big trip to IKr. So it's

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Speaker 2: like if you go and you buy stuff and then

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Speaker 2: you don't need it and you're like, well, I'm not

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Speaker 2: going to get there for another six months.

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Speaker 4: That's the time where you didn't measure your ceiling height

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Speaker 4: and bought a Christmas tree that was too big?

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Speaker 2: Is it like that arguably very comparable? Yes, I like it. Yeah.

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Speaker 5: It's also like if you move into a house and

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Speaker 5: then you leave after a year after your lease over,

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Speaker 5: and you're like, oh, what do I do this stuff?

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Speaker 5: I'm going to take it back to by K And

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Speaker 5: then this next one comes from myself obviously, have you

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Speaker 5: guys sort of mister Rebates.

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Speaker 4: Not yet, but I'm sure you're going to teach us. Yeah,

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Speaker 4: I think I myster rebates.

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Speaker 2: I know it's like fun, it's giving mister minute.

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Speaker 5: Yeah, yeah, I don't know what that is, but I'm like,

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Speaker 5: is that a.

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Speaker 2: Yeah? Okay, you only last time something of all able

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Speaker 2: to use a slur. It's not just.

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Speaker 5: No, but mister Rebate is very It's similar to your

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Speaker 5: cash backs or your shot backs of the world things

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Speaker 5: like that.

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Speaker 2: Yes, okay, mister rebates, mister rebates.

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Speaker 5: And I was like, I was just looking at it

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Speaker 5: because I was like, oh, I need to buy some

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Speaker 5: pre workout.

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Speaker 2: There's no way my supplement store is going to be

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Speaker 2: on here. It was the random stores.

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Speaker 5: In't there that that like, it's just like you wouldn't

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Speaker 5: no one's I've never heard of it.

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Speaker 2: How did you find out about it?

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Speaker 4: Because sometimes I feel like I live under a rock

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Speaker 4: and I you know, obviously I am very privy to

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Speaker 4: like shot back and cash rewards in all of those

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Speaker 4: platforms because I use them and love them. I've like,

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Speaker 4: sometimes I can't even remember how I found them. Where'd

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Speaker 4: you find mister rebates?

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Speaker 5: God, I got to tell you, I have not a

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Speaker 5: single clue.

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Speaker 2: It must have been like a TikTok. I think a

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Speaker 2: TikTok to TikTok.

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Speaker 4: It's changing lives.

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Speaker 5: It's really like, I'm really on on money talk at

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Speaker 5: the moment.

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Speaker 4: Yeah, money talk is a good place to be. Yeah,

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Speaker 4: I'm on cosmetic talk and I'd like to get off

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Speaker 4: it because I keep buying more cosmetics.

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Speaker 2: Mecca called me. How we change our algorithm? Anyway?

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Speaker 4: You can reset your algorithm? How Yep, you can go

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Speaker 4: in and completely clear your cage and like it will

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Speaker 4: reset and give you a brand new for you page

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Speaker 4: if you were sad for some reason.

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Speaker 2: I don't want to do that.

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Speaker 4: I want to lose it because I feel like it's

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Speaker 4: reflective of my personalityxation.

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Speaker 2: See that no one knows us like TikTok knows exactly.

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Speaker 4: All right, let's go to a really quick break because

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Speaker 4: on the flip side, we are going to be talking

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Speaker 4: about a money dilemma, which this week is all about

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Speaker 4: how to finance a removable home, And we're going to

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Speaker 4: be chatting about something that you lead into our DMS,

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Speaker 4: about ADHD tax and feeling like a burden on your partner.

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Speaker 4: So guys, don't go anywhere Welcome back, everybody. Let's take

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Speaker 4: a listen to this week's money dilemma. Hi, there, have

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Speaker 4: you got a money dilemma you just can't solve. The

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Speaker 4: Sheese on the Money team is here to help. Every

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Speaker 4: week we tackle your dilemmas, both big and small, to

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Speaker 4: answer your most burning money.

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Speaker 2: Career and life questions.

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Speaker 4: To get involved, we head to our website and leave

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Speaker 4: us a short voice recording, and you might just find

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Speaker 4: yourself on the show. Now, let's take a listen to

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Speaker 4: this week's money dilemma.

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Speaker 2: I vi Juria.

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Speaker 7: I'm wondering if you should shed some light on removable homes.

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Speaker 7: I'm looking at buying a few acres in the upcoming

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Speaker 7: years as I have horses. However, there are some great

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Speaker 7: block with night houses on them. I have briefly locked

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Speaker 7: into removable homes through a local company and they seem

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Speaker 7: somewhat affordable. I'm wondering how they work in regards to

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Speaker 7: the mortgage and the loans I deal. I would like

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Speaker 7: to buy the block and the house within a relatively

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Speaker 7: closed time frame. I'm the first home over. Is it

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Speaker 7: in the scope of a mortgage rife to it'ssis being

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Speaker 7: a through removable home? As long as the block of wed.

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Speaker 7: Do I get a mortgage that will cover both or

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Speaker 7: will I need to have put warns for any information

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Speaker 7: on removable homes and buying block would be great.

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Speaker 2: Thank you, I got it, not a whole lot. I'm

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Speaker 2: gonna be honest with you.

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Speaker 4: Well, you've never mortgaged a removable.

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Speaker 2: Home, and even no what a removable home was inuntil

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Speaker 2: just then.

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Speaker 4: Okay, So removable homes are increasing in popularity, which kind

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Speaker 4: of makes sense.

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Speaker 2: Because everything's so expensive.

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Speaker 4: And this is you need to have a chat with

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Speaker 4: a mortgage broker because a removable home could mean a

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Speaker 4: plethora of different things, Like are you talking about like

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Speaker 4: a caravan that you're going to put there, at which

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Speaker 4: point you probably don't need counsel approval, But if you're

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Speaker 4: going to put like a whole setup and plummet in,

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Speaker 4: and it's like technically if you're home kind of like

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Speaker 4: a tiny home, you're going to need counsel approval for that.

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Speaker 4: So you're going to need to look into it. So

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Speaker 4: we need to talk about what a broker would do.

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Speaker 4: So land easy, bread and butter. We can get you

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Speaker 4: land finance because it's a secure asset. It's quite hard

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Speaker 4: to secure finance for the home because it's actually not

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Speaker 4: that stable, Like it's not seen as an asset that

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Speaker 4: they can flog off and get their money. But like

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Speaker 4: the bank can't just liquidate it and get rid of it.

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Speaker 4: And the other issue and the reason that a bank

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Speaker 4: is very unlikely to connect the two so go, oh yeah,

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Speaker 4: no worries because like stepping back for a minute, if

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Speaker 4: you were asking a mortgage broker to help you finance

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Speaker 4: a home and land package, is it great, We do

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Speaker 4: that all the time. But you're asking a broker to

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Speaker 4: help you finance a removable home which arguably adds no

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Speaker 4: value to the land. And because it doesn't add any

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Speaker 4: value to the land, the bank is very unlikely to go, yeah, sure,

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Speaker 4: have even more money on this loan that is now

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Speaker 4: not as secure as it was before.

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Speaker 2: So even if it.

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Speaker 4: Did add some value, the value would only be able

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Speaker 4: to like be counted after the move had been completed,

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Speaker 4: if that makes sense. So when you talk to a broker,

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Speaker 4: obviously take everything with a grain of salt. All of

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Speaker 4: these situations are going to be different, but they're going

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Speaker 4: to be able to assess your personal situation and work

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Speaker 4: it out. But the broker will probably have a look

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Speaker 4: at financing the land and really bread and butter normal,

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00:18:02,280 --> 00:18:05,600
Speaker 4: then maybe trying to finance the tiny home via mortgage

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00:18:05,680 --> 00:18:08,359
Speaker 4: if that's an option, if it's seen as stable. We

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Speaker 4: don't know, maybe there's some issues with how big it

404
00:18:11,400 --> 00:18:13,480
Speaker 4: is and the footprint and whatnot, and you know how

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00:18:13,600 --> 00:18:17,080
Speaker 4: quote removable it is. But on the flip side, you

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Speaker 4: might also need to go down a more unsecured finance

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Speaker 4: root for that, or you might save up buy the

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Speaker 4: property on finance and then use the cash that you

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Speaker 4: have for the tiny home because often tiny homes are

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Speaker 4: significantly cheaper than like proper homes. Right, So there are

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Speaker 4: a lot of different options, but I think it's important

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00:18:35,600 --> 00:18:38,520
Speaker 4: to start conversations probably now with a broker around what

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00:18:38,560 --> 00:18:40,440
Speaker 4: that might look like, because the last thing you want

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Speaker 4: is to find the perfect block of land and find

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Speaker 4: the perfect home and then realize I actually can't finance

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Speaker 4: any of this because the bank actually won't finance the

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Speaker 4: home and I don't have the cash to do that,

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Speaker 4: or I need all the cash to get the block

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Speaker 4: of land as my deposit.

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Speaker 2: Right, So just work out all.

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Speaker 4: The moving parts and what that would look like, because

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00:18:59,400 --> 00:19:03,320
Speaker 4: they're all going to be very different, but I wouldn't

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Speaker 4: be surprised if the route you go down is kind

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00:19:05,560 --> 00:19:08,760
Speaker 4: of like personal finance for the house in the same

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00:19:08,760 --> 00:19:11,720
Speaker 4: way that you might personally finance like a Winnebago or

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00:19:11,800 --> 00:19:13,719
Speaker 4: a caravan or something like that.

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00:19:14,840 --> 00:19:15,280
Speaker 2: There you go.

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Speaker 5: I mean, like, whatever you do, good luck on your journey.

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Speaker 5: It sounds like a really sounds like a really cool idea.

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Speaker 5: I feel like I would like to in my head

431
00:19:22,880 --> 00:19:25,439
Speaker 5: it was like a freedom right tent or something, but

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00:19:26,400 --> 00:19:29,680
Speaker 5: no fold up ten. It's a tiny hoe that makes

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00:19:29,680 --> 00:19:31,159
Speaker 5: so much sense. For some reason, I thought it was

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00:19:31,200 --> 00:19:34,400
Speaker 5: something like that, like something fold down. But that's really cool.

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00:19:34,400 --> 00:19:36,000
Speaker 5: I feel like the freedom to just be like, I

436
00:19:36,000 --> 00:19:36,920
Speaker 5: don't want to live here anymore.

437
00:19:36,960 --> 00:19:42,280
Speaker 2: Yea, yeah, doing whatever you want?

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Speaker 7: All right?

439
00:19:43,160 --> 00:19:45,359
Speaker 4: Do you want to get into this week's DM Absolutely?

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00:19:45,440 --> 00:19:47,040
Speaker 2: Of course you do. You ready? Yeah?

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00:19:47,200 --> 00:19:49,280
Speaker 4: Hey, she's on the money. I really need some advice

442
00:19:49,320 --> 00:19:52,080
Speaker 4: because I feel like I'm letting my partner down. I

443
00:19:52,080 --> 00:19:55,639
Speaker 4: have ADHD, and while there always are so understanding, I

444
00:19:55,680 --> 00:19:58,280
Speaker 4: can't help but feel like a burden. We are always

445
00:19:58,359 --> 00:20:01,000
Speaker 4: paying the ADHD tax because I forget to pay the

446
00:20:01,000 --> 00:20:03,119
Speaker 4: bills on time, and then we get hit with fees,

447
00:20:03,160 --> 00:20:06,080
Speaker 4: and I procrastinate on big purchases, so the price goes up.

448
00:20:06,680 --> 00:20:08,760
Speaker 4: My partner has had to take over most of the

449
00:20:08,880 --> 00:20:12,040
Speaker 4: financial management to keep us on track, and even though

450
00:20:12,080 --> 00:20:15,560
Speaker 4: they never complain, I know it's exhausting for them. They're

451
00:20:15,600 --> 00:20:18,320
Speaker 4: patient and supportive, but every time I mess up, I

452
00:20:18,359 --> 00:20:20,960
Speaker 4: feel like I'm adding to their stress. It's hard to

453
00:20:21,000 --> 00:20:23,520
Speaker 4: not feel inadequate when they're picking up the slack for

454
00:20:23,640 --> 00:20:26,440
Speaker 4: something I know I should be better at. I want

455
00:20:26,440 --> 00:20:29,359
Speaker 4: to contribute more and be a true partner, but I

456
00:20:29,400 --> 00:20:31,240
Speaker 4: don't even know where to start. I just want to

457
00:20:31,280 --> 00:20:34,119
Speaker 4: find a way to lighten their load without making things

458
00:20:34,119 --> 00:20:35,240
Speaker 4: worse or feeling like.

459
00:20:35,240 --> 00:20:39,520
Speaker 2: I'm failing them. That breaks my heart. You're feeling that way.

460
00:20:39,600 --> 00:20:41,159
Speaker 2: That sucks. Yeah, I get that.

461
00:20:41,600 --> 00:20:45,480
Speaker 5: I live adhd Well, that's it exactly exactly I think.

462
00:20:45,760 --> 00:20:49,680
Speaker 5: With my partner Jess, I'm like constantly, like constantly barking

463
00:20:49,720 --> 00:20:52,840
Speaker 5: on about mental load, mental load, and like she's very

464
00:20:53,200 --> 00:20:55,760
Speaker 5: organized and things like that. So I'm like hyper aware

465
00:20:55,760 --> 00:20:57,000
Speaker 5: of that and I don't want her to like take

466
00:20:57,040 --> 00:20:59,440
Speaker 5: on more than she needs to. I don't want to

467
00:20:59,480 --> 00:21:02,040
Speaker 5: like stress or exhausts her. She is just naturally better

468
00:21:02,080 --> 00:21:03,720
Speaker 5: at those things. That's something you must keep in mind

469
00:21:03,800 --> 00:21:06,600
Speaker 5: that if your partner does not have ADHD, maybe they're

470
00:21:06,960 --> 00:21:09,360
Speaker 5: this kind of stuff like life admin and stuff might

471
00:21:09,359 --> 00:21:10,760
Speaker 5: not stress them out.

472
00:21:10,680 --> 00:21:13,560
Speaker 2: As much as someone who does have ADHD.

473
00:21:13,680 --> 00:21:16,480
Speaker 5: So that's something to keep in mind, but not to

474
00:21:16,480 --> 00:21:18,359
Speaker 5: say that don't worry about it, that'll be fine.

475
00:21:18,560 --> 00:21:20,000
Speaker 4: They can deal with that kind of thing. Just to

476
00:21:20,000 --> 00:21:23,600
Speaker 4: say that you can wear this much too, yeah, totally.

477
00:21:23,680 --> 00:21:26,280
Speaker 4: Well that's just me, that's just how I am.

478
00:21:26,560 --> 00:21:30,240
Speaker 5: Yeah, totally totally, so I can completely understand that. But yeah,

479
00:21:30,280 --> 00:21:32,680
Speaker 5: I think when you are conscious of a mental load

480
00:21:32,720 --> 00:21:34,720
Speaker 5: and then you're like, I'm going to make sure I'm

481
00:21:34,760 --> 00:21:35,320
Speaker 5: really good at this.

482
00:21:35,480 --> 00:21:37,240
Speaker 2: I'm going to make sure that I remember this, and.

483
00:21:37,160 --> 00:21:40,600
Speaker 5: Then you just consistently are like, oh crap, this person

484
00:21:40,600 --> 00:21:41,920
Speaker 5: had to remind me to do this or whatever.

485
00:21:42,119 --> 00:21:43,479
Speaker 2: It's like, I feel like I'm failing.

486
00:21:43,480 --> 00:21:46,160
Speaker 5: But I'm curious to know if this If our listener

487
00:21:46,200 --> 00:21:49,840
Speaker 5: has any kind of like For example, for me, I

488
00:21:49,880 --> 00:21:52,919
Speaker 5: have Google calendar that sink also to my phone. I

489
00:21:53,000 --> 00:21:54,920
Speaker 5: check it every day, and also have like an everything

490
00:21:55,240 --> 00:21:58,800
Speaker 5: literally list that says everything every day and it's every

491
00:21:58,880 --> 00:22:01,280
Speaker 5: single thing I have to do every single day, including

492
00:22:01,320 --> 00:22:06,159
Speaker 5: brushing my teeth, including I'm impressed every sability, yeah, and

493
00:22:06,200 --> 00:22:10,520
Speaker 5: everything I need to check like petrol, everything, everything, because

494
00:22:10,600 --> 00:22:12,840
Speaker 5: there's something that's going to be lacking and I'm going

495
00:22:12,880 --> 00:22:16,080
Speaker 5: to forget about it for months. And so I wonder

496
00:22:16,119 --> 00:22:18,960
Speaker 5: if our listener has any of those, like alarms to

497
00:22:19,200 --> 00:22:21,439
Speaker 5: alarms constantly going off on my phone for things like

498
00:22:21,680 --> 00:22:23,720
Speaker 5: I just dismissed No, so that doesn't work for me.

499
00:22:23,960 --> 00:22:25,280
Speaker 2: That's fair final work.

500
00:22:25,320 --> 00:22:27,679
Speaker 4: But the list thing, that's why I'm known for my

501
00:22:27,720 --> 00:22:31,120
Speaker 4: cleaning schedule. Like people are like, oh my gosh, V

502
00:22:31,440 --> 00:22:35,280
Speaker 4: so organized. No, V so disorganized. That's why she needs

503
00:22:35,280 --> 00:22:38,119
Speaker 4: a whole schedule. This is when this has to happen.

504
00:22:38,160 --> 00:22:39,679
Speaker 4: And this is when this has to happen, because like

505
00:22:39,720 --> 00:22:42,680
Speaker 4: I get overwhelmed, and so if you said, hey, they

506
00:22:42,960 --> 00:22:45,800
Speaker 4: on Tuesday you have to clean the house where yeah,

507
00:22:45,800 --> 00:22:49,760
Speaker 4: oh my god, you start get analysis paralysis and then

508
00:22:49,800 --> 00:22:51,720
Speaker 4: you know what we're doing. We're actually just going to

509
00:22:51,920 --> 00:22:56,800
Speaker 4: organize the cosmetics. Yeah, we're actually just gonna pull the

510
00:22:56,960 --> 00:23:00,679
Speaker 4: entire laundry apart and reassemble it. And then you're going

511
00:23:00,760 --> 00:23:03,359
Speaker 4: to come home and did I'm mop the floors? Absolutely not.

512
00:23:03,400 --> 00:23:07,880
Speaker 4: But look at this other thing that I did pantry organization, Stella.

513
00:23:08,359 --> 00:23:11,160
Speaker 4: Why is the bathroom an absolute mess?

514
00:23:11,200 --> 00:23:14,719
Speaker 2: Victoria. Yes, the priorities are off. That is why I

515
00:23:14,760 --> 00:23:15,600
Speaker 2: need a whole schedule.

516
00:23:15,600 --> 00:23:18,119
Speaker 4: If this is what happens on a day to day basis,

517
00:23:18,160 --> 00:23:20,040
Speaker 4: this is what happens on a week to week basis,

518
00:23:20,040 --> 00:23:22,280
Speaker 4: and every month, this is what I do because when

519
00:23:22,280 --> 00:23:24,600
Speaker 4: I'm feeling overwhelmed, I go back to my list. And

520
00:23:24,640 --> 00:23:27,679
Speaker 4: I think that that is a really great coping tool

521
00:23:28,160 --> 00:23:31,440
Speaker 4: for ADHD because then your job is to just check

522
00:23:31,480 --> 00:23:35,960
Speaker 4: the list. And in this situation where you're managing finances,

523
00:23:36,000 --> 00:23:38,280
Speaker 4: maybe you need to write a list of like every

524
00:23:38,280 --> 00:23:40,520
Speaker 4: week I pay for netball, and every month I pay

525
00:23:40,520 --> 00:23:42,719
Speaker 4: my phone bill, and like you have a date that

526
00:23:42,760 --> 00:23:44,840
Speaker 4: you go through and check and pay those things. So

527
00:23:44,880 --> 00:23:47,240
Speaker 4: instead of like, oh, every week, I will make sure

528
00:23:47,280 --> 00:23:49,280
Speaker 4: that I check X, like you know what date it

529
00:23:49,320 --> 00:23:51,600
Speaker 4: comes in, so on that week that gets paid on

530
00:23:51,640 --> 00:23:54,920
Speaker 4: that date. How I do manage it just as somebody

531
00:23:54,960 --> 00:23:56,600
Speaker 4: who doesn't struggle with these things.

532
00:23:56,760 --> 00:24:00,400
Speaker 2: No, I think for most people that exist somewhere obviously,

533
00:24:00,440 --> 00:24:02,879
Speaker 2: neurodivergens is a spectrum. There's so many different things, and

534
00:24:02,920 --> 00:24:06,359
Speaker 2: I think a lot of what can be done regardless

535
00:24:06,400 --> 00:24:08,359
Speaker 2: of you know what kind of point of difference you

536
00:24:08,440 --> 00:24:11,240
Speaker 2: have is finding coping mechanisms that work for you. So

537
00:24:11,280 --> 00:24:13,639
Speaker 2: you've both just listed two different you know, types of

538
00:24:13,760 --> 00:24:15,919
Speaker 2: or ways of doing things that work really well for

539
00:24:15,960 --> 00:24:17,600
Speaker 2: you guys. They might not work for somebody else. But

540
00:24:17,640 --> 00:24:20,200
Speaker 2: I think it's about a little bit of trial and error,

541
00:24:20,240 --> 00:24:23,720
Speaker 2: like trying list error is trying, you know, remind us

542
00:24:23,760 --> 00:24:26,840
Speaker 2: of your phone trying like some people use what is

543
00:24:26,840 --> 00:24:30,200
Speaker 2: it like audio, some kind of audio thing. Like, there's

544
00:24:30,240 --> 00:24:32,359
Speaker 2: lots and lots of different things out there, and I

545
00:24:32,359 --> 00:24:34,600
Speaker 2: think it's largely about finding what works for.

546
00:24:34,720 --> 00:24:36,679
Speaker 4: You to do, because it's like the alarm thing you

547
00:24:36,760 --> 00:24:37,600
Speaker 4: said that worked for you.

548
00:24:37,840 --> 00:24:39,720
Speaker 2: I tried all idea, and.

549
00:24:39,760 --> 00:24:41,560
Speaker 4: It's not because I think I'll switch it off. It's

550
00:24:41,600 --> 00:24:43,840
Speaker 4: because I put all the alarms. I went in and

551
00:24:43,880 --> 00:24:45,439
Speaker 4: I set them all up. Because like one thing that

552
00:24:45,440 --> 00:24:47,960
Speaker 4: we're good at is like the motivation at the start

553
00:24:48,000 --> 00:24:50,119
Speaker 4: to get it all organized. Did that and then I

554
00:24:50,119 --> 00:24:51,720
Speaker 4: see it pop up and I'm like, I don't want

555
00:24:51,760 --> 00:24:54,160
Speaker 4: to do that, dismiss and then I never think about

556
00:24:54,200 --> 00:24:54,760
Speaker 4: it ever again.

557
00:24:54,840 --> 00:24:56,639
Speaker 2: Yeah, there's trial and error to find what works for you.

558
00:24:56,640 --> 00:24:59,240
Speaker 2: I also think perhaps automation of your bank account so

559
00:24:59,280 --> 00:25:02,080
Speaker 2: having money ortomatically debit from one plate, you know your money.

560
00:25:02,080 --> 00:25:03,760
Speaker 2: Maybe you have a bill's fund. Yeah, all your bill's

561
00:25:03,760 --> 00:25:05,399
Speaker 2: autod debbit out of there, and it's set up so

562
00:25:05,520 --> 00:25:08,280
Speaker 2: you actually can be quite hands off, but everything goes

563
00:25:08,359 --> 00:25:10,280
Speaker 2: where it needs to go, so it can debit and

564
00:25:10,680 --> 00:25:11,359
Speaker 2: you can do that.

565
00:25:11,400 --> 00:25:13,560
Speaker 4: I think a lot of people assume that, Oh, if

566
00:25:13,600 --> 00:25:16,320
Speaker 4: the you know, phone company, for example, didn't offer a

567
00:25:16,359 --> 00:25:18,800
Speaker 4: direct debit option, I can't do that, like I have

568
00:25:18,840 --> 00:25:20,600
Speaker 4: to manually do it. But you can go into your

569
00:25:20,600 --> 00:25:23,560
Speaker 4: bank account and set up an automatic transfer on a

570
00:25:23,560 --> 00:25:27,399
Speaker 4: particular date to a specific account number and BSB code

571
00:25:27,480 --> 00:25:30,760
Speaker 4: or a bpay reference like and you could go, okay, well,

572
00:25:31,119 --> 00:25:33,480
Speaker 4: every month, I know that my phone bill is thirty

573
00:25:33,480 --> 00:25:37,480
Speaker 4: five dollars, so two days after the bill comes in,

574
00:25:37,480 --> 00:25:39,520
Speaker 4: in my head, I'm going to set up that automatic

575
00:25:39,560 --> 00:25:42,040
Speaker 4: thing and then if I go over then at least

576
00:25:42,080 --> 00:25:42,360
Speaker 4: I know.

577
00:25:42,320 --> 00:25:44,080
Speaker 2: The base bill is covered. Yeah.

578
00:25:44,119 --> 00:25:46,480
Speaker 4: So I think that that is a really good wages

579
00:25:46,520 --> 00:25:48,679
Speaker 4: of automating things because it's like one and done. You

580
00:25:48,720 --> 00:25:50,679
Speaker 4: set it all up and then just check in on

581
00:25:50,720 --> 00:25:53,160
Speaker 4: it every couple of months to make sure that things

582
00:25:53,160 --> 00:25:55,840
Speaker 4: haven't changed and they're still going through and like, that's

583
00:25:55,880 --> 00:25:57,240
Speaker 4: a good idea. Yeah.

584
00:25:57,320 --> 00:25:59,120
Speaker 2: The other thing I would say is, like I guess

585
00:25:59,200 --> 00:26:02,919
Speaker 2: the moretional aspect of it is I would remind you

586
00:26:02,960 --> 00:26:06,000
Speaker 2: that a partnership is exactly that, Like there's it's give

587
00:26:06,000 --> 00:26:08,919
Speaker 2: and take, and so it's filling the gaps, you know,

588
00:26:09,040 --> 00:26:11,440
Speaker 2: of where the other might have. What is a mental

589
00:26:11,480 --> 00:26:13,320
Speaker 2: crack for you might be something that's so simple for

590
00:26:13,359 --> 00:26:15,840
Speaker 2: your partner. So rather than feeling like you're a burden,

591
00:26:15,840 --> 00:26:18,359
Speaker 2: which I'm sure that you're not, I would say, what

592
00:26:18,400 --> 00:26:20,320
Speaker 2: are your strength what are your strong suits? Like, I'm

593
00:26:20,400 --> 00:26:22,240
Speaker 2: sure that there are things that you're really good at.

594
00:26:22,480 --> 00:26:24,840
Speaker 2: Do you get your you know, hyper fixated and a

595
00:26:24,880 --> 00:26:27,440
Speaker 2: cleaning task? Can you once a month do a deep

596
00:26:27,480 --> 00:26:29,720
Speaker 2: clean of a part of the house, or can you

597
00:26:30,200 --> 00:26:32,640
Speaker 2: take on, you know, yard duties, or can you walk

598
00:26:32,640 --> 00:26:35,399
Speaker 2: the dog every day? Or is there something that you

599
00:26:35,440 --> 00:26:37,359
Speaker 2: can do with you know, within the realm of what

600
00:26:37,480 --> 00:26:39,800
Speaker 2: needs to be done as a part of your partnership,

601
00:26:39,800 --> 00:26:42,080
Speaker 2: within the household that you can take on that then

602
00:26:42,160 --> 00:26:44,000
Speaker 2: comes off your partner's plate. Because I think it's all

603
00:26:44,040 --> 00:26:46,960
Speaker 2: about balance and just because you know, you feel like

604
00:26:47,000 --> 00:26:49,000
Speaker 2: they're taking a lot of the mental load. I think

605
00:26:49,280 --> 00:26:51,320
Speaker 2: it's really kind that you're so aware of this and

606
00:26:51,359 --> 00:26:53,360
Speaker 2: wanting to make sure that it's good and that's awesome,

607
00:26:53,520 --> 00:26:55,600
Speaker 2: but also give yourself some grace and know that there's

608
00:26:55,960 --> 00:26:58,960
Speaker 2: absolutely somewhere within the relationship that you can add value

609
00:26:59,000 --> 00:27:01,320
Speaker 2: and that you can do whatever what you're really good at.

610
00:27:01,680 --> 00:27:03,639
Speaker 2: And I think that you know you've said your partner

611
00:27:03,640 --> 00:27:06,040
Speaker 2: doesn't complain, they love you, right, Like, at the end

612
00:27:06,040 --> 00:27:07,480
Speaker 2: of the day, we.

613
00:27:07,600 --> 00:27:10,600
Speaker 4: Love my partner, and I still complain. So interesting, but

614
00:27:10,680 --> 00:27:11,680
Speaker 4: we you know, a.

615
00:27:11,680 --> 00:27:17,120
Speaker 2: Partnership is appreciating someone good and bad. You're seeing arguably

616
00:27:17,160 --> 00:27:18,080
Speaker 2: the worst, probably.

617
00:27:17,880 --> 00:27:19,720
Speaker 4: Got some things that they're like, oh my god, I

618
00:27:19,760 --> 00:27:23,080
Speaker 4: wish I was better at XYZ for my partner, So.

619
00:27:23,080 --> 00:27:24,600
Speaker 2: Talk to them, be like what can I do? Like,

620
00:27:24,640 --> 00:27:27,200
Speaker 2: what's something like if it's not finding you know, if

621
00:27:27,320 --> 00:27:28,720
Speaker 2: you get to the point where say I've tried all

622
00:27:28,760 --> 00:27:30,359
Speaker 2: the things, I've set the alarms, I've done the bladh

623
00:27:30,400 --> 00:27:32,919
Speaker 2: lah dah, and it just doesn't work for me, go Okay,

624
00:27:33,720 --> 00:27:35,879
Speaker 2: what's a different area that I can focus on that

625
00:27:35,920 --> 00:27:38,080
Speaker 2: I can then add my own value? And I think

626
00:27:38,119 --> 00:27:40,480
Speaker 2: that's very valid and fair too. Yeah, no, I like it,

627
00:27:40,520 --> 00:27:41,640
Speaker 2: we very well said. Yeah.

628
00:27:41,680 --> 00:27:43,800
Speaker 4: We did also ask the community. So we said, in

629
00:27:43,840 --> 00:27:48,680
Speaker 4: your relationships, how has managing finances worked. Fifty five percent

630
00:27:48,680 --> 00:27:51,040
Speaker 4: of you said, one person naturally takes charge.

631
00:27:51,119 --> 00:27:52,040
Speaker 2: I think that's very common.

632
00:27:52,080 --> 00:27:54,760
Speaker 4: Twenty nine percent of you said it's usually shared pretty evenly,

633
00:27:54,840 --> 00:27:57,280
Speaker 4: and sixteen percent of you said, I've only ever managed

634
00:27:57,320 --> 00:28:00,800
Speaker 4: my own. We then asked how if you ever felt

635
00:28:00,800 --> 00:28:04,439
Speaker 4: like you're letting down your partner financially. Thirteen percent of

636
00:28:04,480 --> 00:28:07,920
Speaker 4: you said, oh, my god, all the time, thirty five

637
00:28:07,960 --> 00:28:10,399
Speaker 4: percent of you said yeah, sometimes, and fifty two percent

638
00:28:10,400 --> 00:28:12,320
Speaker 4: of you said no, I'm pretty on top of everything.

639
00:28:12,440 --> 00:28:13,640
Speaker 2: Wow. Okay, she's on.

640
00:28:13,560 --> 00:28:17,399
Speaker 4: The muddy clean like a sligh but for this community member,

641
00:28:17,520 --> 00:28:19,959
Speaker 4: not relatable. We then said, all right, what are your

642
00:28:19,960 --> 00:28:23,760
Speaker 4: two cents? One person said, try out a money date

643
00:28:23,840 --> 00:28:26,560
Speaker 4: every so often and do it together. Automation is going

644
00:28:26,560 --> 00:28:29,080
Speaker 4: to be the best hute. Someone else said, their partner

645
00:28:29,119 --> 00:28:31,800
Speaker 4: sounds like a gem. It's okay to have different strengths

646
00:28:31,840 --> 00:28:35,800
Speaker 4: in a relationship. Someone else said, your ADHD isn't a burden.

647
00:28:35,880 --> 00:28:39,000
Speaker 4: It makes you caring and special and that is so valuable.

648
00:28:39,200 --> 00:28:39,600
Speaker 2: I love that.

649
00:28:39,880 --> 00:28:42,960
Speaker 4: Ye I love that too, but I'm not gonna lie

650
00:28:43,000 --> 00:28:48,400
Speaker 4: my ADHD. It's a superpower. It's fantastic. It's also a burden, Like,

651
00:28:48,560 --> 00:28:52,160
Speaker 4: don't get me wrong. Like on one side, I'm like, oh,

652
00:28:52,240 --> 00:28:55,280
Speaker 4: it's why I'm as successful as I am, and it's

653
00:28:55,280 --> 00:28:56,840
Speaker 4: why I get to do what I do, and it's

654
00:28:56,920 --> 00:28:59,840
Speaker 4: why I you know, function well in all these spaces.

655
00:28:59,840 --> 00:29:02,200
Speaker 4: But like, my gosh, it is a burden on the

656
00:29:02,200 --> 00:29:04,520
Speaker 4: flip side. And I'm not disagreeing with you. This is

657
00:29:04,560 --> 00:29:07,600
Speaker 4: a really nice sentiment, but to sometimes say like, oh,

658
00:29:07,640 --> 00:29:10,240
Speaker 4: it's not a burden at all, Like, girlfriend, I'm stressed.

659
00:29:10,600 --> 00:29:12,320
Speaker 2: That is a burden, Like.

660
00:29:12,280 --> 00:29:14,080
Speaker 4: I just need to work through it, and I just

661
00:29:14,120 --> 00:29:16,040
Speaker 4: need a framework or a structure that works for me.

662
00:29:16,280 --> 00:29:19,320
Speaker 4: And it's work to then get to that framework or structure,

663
00:29:19,560 --> 00:29:21,920
Speaker 4: because it's so disheartening when you try something right, like

664
00:29:21,920 --> 00:29:23,600
Speaker 4: when you go through your phone and you set up

665
00:29:23,640 --> 00:29:26,760
Speaker 4: all the alarms so that everything happens, and then you

666
00:29:27,480 --> 00:29:30,080
Speaker 4: literally it just doesn't work, and you're like, nothing's gonna work.

667
00:29:30,120 --> 00:29:32,680
Speaker 4: You just need to like have a bit more grit, Yeah,

668
00:29:32,720 --> 00:29:35,000
Speaker 4: try and try again and find another solution, because I

669
00:29:35,000 --> 00:29:36,840
Speaker 4: promise there'll be one that fits. It just might not

670
00:29:36,880 --> 00:29:40,400
Speaker 4: be that one. Yeah, someone else said I feel like

671
00:29:40,480 --> 00:29:43,200
Speaker 4: this with my chores. I have ADHD and struggle with

672
00:29:43,320 --> 00:29:47,240
Speaker 4: day to day stuff ADHD can be exhausting. Do you

673
00:29:47,280 --> 00:29:50,800
Speaker 4: know what I'm seeing is that a lot of people

674
00:29:50,840 --> 00:29:55,080
Speaker 4: are saying, like I'm really struggling with it, medication is

675
00:29:55,080 --> 00:30:00,880
Speaker 4: not always the answer, going and seeing somebody and talking

676
00:30:01,040 --> 00:30:04,640
Speaker 4: about like ways to manage it. Yeah, like a therapist,

677
00:30:04,720 --> 00:30:10,000
Speaker 4: a psychologist, a psychiatrist, Like my entire life is different.

678
00:30:10,600 --> 00:30:13,440
Speaker 4: Like I'm talking about medication here because that's the one

679
00:30:13,440 --> 00:30:16,239
Speaker 4: thing that has really really worked for me. But just

680
00:30:16,280 --> 00:30:20,320
Speaker 4: like my days are different when I'm medicated and when

681
00:30:20,360 --> 00:30:24,000
Speaker 4: I'm not. My team you guys know, I walk into

682
00:30:24,080 --> 00:30:27,440
Speaker 4: the studio jess lgo you're not medicated today, I'd be

683
00:30:27,440 --> 00:30:29,840
Speaker 4: like pounded, you're not And.

684
00:30:29,800 --> 00:30:36,440
Speaker 2: I'm like halfway up the wall. Oh, you just had

685
00:30:36,440 --> 00:30:40,000
Speaker 2: a different handbag today to ADHD.

686
00:30:40,320 --> 00:30:43,040
Speaker 4: And I'm not saying that that's right or wrong, but

687
00:30:43,480 --> 00:30:46,160
Speaker 4: there are lots of different coping mechanisms, and if you're

688
00:30:46,200 --> 00:30:49,560
Speaker 4: really struggling, please reach out for help and support and

689
00:30:49,720 --> 00:30:51,680
Speaker 4: ask for it. Because when people are like, oh, I

690
00:30:51,680 --> 00:30:55,120
Speaker 4: feel like this with chores, like you don't have to

691
00:30:55,120 --> 00:30:57,480
Speaker 4: feel like that with chores. You don't have to feel

692
00:30:57,480 --> 00:30:59,480
Speaker 4: like that with your partner, Like you don't have to

693
00:30:59,520 --> 00:31:02,640
Speaker 4: feel like a burden, Like there are solutions that you

694
00:31:02,640 --> 00:31:04,040
Speaker 4: can look into, and lots of people are going to

695
00:31:04,120 --> 00:31:06,360
Speaker 4: be like, oh, I don't want medicate, You don't need medication.

696
00:31:06,480 --> 00:31:09,000
Speaker 4: There are lots of things that you can do that

697
00:31:09,080 --> 00:31:12,240
Speaker 4: would help here, but a lot of it involves professional intervention.

698
00:31:12,480 --> 00:31:14,880
Speaker 2: Yeah, it's been intersessional. Explore your options and if you

699
00:31:14,880 --> 00:31:16,360
Speaker 2: know whether or not you take them, it's up to you.

700
00:31:16,480 --> 00:31:19,000
Speaker 4: Yeah, someone else said, as an ADHD queen, as soon

701
00:31:19,040 --> 00:31:20,720
Speaker 4: as I get a bill, I have to pay it instantly.

702
00:31:20,800 --> 00:31:25,680
Speaker 4: Direct debit is also a god sent someone else said, automate, automate, automate,

703
00:31:25,720 --> 00:31:28,680
Speaker 4: and I put reminders for three times in my phone

704
00:31:28,680 --> 00:31:29,440
Speaker 4: for everything else.

705
00:31:29,640 --> 00:31:30,080
Speaker 2: Yes, you.

706
00:31:33,120 --> 00:31:37,200
Speaker 4: Mean someone else said, please be kind to yourself. Money

707
00:31:37,240 --> 00:31:39,920
Speaker 4: is hard for everyone at some time in life. It's

708
00:31:39,960 --> 00:31:42,600
Speaker 4: all in communication with your partner. I think that one's

709
00:31:42,640 --> 00:31:43,800
Speaker 4: the perfect one to end on.

710
00:31:43,960 --> 00:31:44,160
Speaker 2: Yeah.

711
00:31:44,240 --> 00:31:47,120
Speaker 4: Greatious, Oh my gosh, have the best day, guys. I'm

712
00:31:47,160 --> 00:31:50,000
Speaker 4: so glad to be back. If you haven't been following along,

713
00:31:50,160 --> 00:31:53,400
Speaker 4: we still have the thirty day Reset going on online

714
00:31:53,560 --> 00:31:55,640
Speaker 4: and it is available to sign up for for all

715
00:31:55,720 --> 00:31:58,440
Speaker 4: of January. So if you've been thinking about kick starting

716
00:31:58,440 --> 00:32:01,080
Speaker 4: your finances or just get on track, or even just

717
00:32:01,160 --> 00:32:04,520
Speaker 4: joining a community of women who just want better for themselves,

718
00:32:04,800 --> 00:32:06,720
Speaker 4: like we're just doing stuff when we're getting it done,

719
00:32:06,840 --> 00:32:10,360
Speaker 4: like thirty day reset, I can't think of something sexier.

720
00:32:09,880 --> 00:32:12,200
Speaker 2: At the start of the year. So motivating exactly.

721
00:32:12,240 --> 00:32:13,640
Speaker 4: And if you also were like, oh, I'm going to

722
00:32:13,680 --> 00:32:15,120
Speaker 4: set goals at the start of the year and then

723
00:32:15,120 --> 00:32:17,240
Speaker 4: you didn't do it, like there's still time, I have

724
00:32:17,320 --> 00:32:19,840
Speaker 4: got you. But anyway, guys, have the best day and

725
00:32:19,880 --> 00:32:21,840
Speaker 4: we'll see you bright early on Monday for a money

726
00:32:21,880 --> 00:32:22,880
Speaker 4: diary by guys.

727
00:32:23,000 --> 00:32:27,600
Speaker 2: Bye.

728
00:32:29,040 --> 00:32:31,600
Speaker 4: The advice shared on She's on the Money is general

729
00:32:31,640 --> 00:32:32,920
Speaker 4: in nature and does not.

730
00:32:32,920 --> 00:32:34,880
Speaker 2: Consider your individual circumstances.

731
00:32:35,240 --> 00:32:38,640
Speaker 4: She's on the Money exists purely for educational purposes and

732
00:32:38,680 --> 00:32:41,120
Speaker 4: should not be relied upon to make an investment or

733
00:32:41,200 --> 00:32:45,200
Speaker 4: financial decision. If you do choose to buy a financial product.

734
00:32:44,880 --> 00:32:48,400
Speaker 6: Read the PDS TMD and obtain appropriate financial.

735
00:32:48,000 --> 00:32:49,800
Speaker 4: Advice tailored towards your needs.

736
00:32:50,160 --> 00:32:54,080
Speaker 6: Victoria Divine and She's on the Money are authorized representatives

737
00:32:54,160 --> 00:32:58,000
Speaker 6: of Money Shirper Pty Ltd ABN three two one is

738
00:32:58,040 --> 00:33:01,280
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739
00:33:01,360 --> 00:33:05,600
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740
00:33:13,960 --> 00:33:14,000
Speaker 1: M