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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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

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Speaker 2: for millennials who want financial freedom. Today, my friends, is Friday,

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Speaker 2: which means we usually get the team together, but Jess

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Speaker 2: is sick, so Beck, it's you and me today. I'm

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Speaker 2: okay with that look. I think it's gonna be fine.

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Speaker 2: I don't awful do the episode justice because Jess always

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Speaker 2: keeps us on track and we're the rogue ones. I'm

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Speaker 2: going to miss a what's this going to be called?

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Speaker 2: The B in B VB the VB episode? Yeah, all right,

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Speaker 2: So this week, as always, we're going to be sharing

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Speaker 2: our favorite money wins, which I get the privilege of doing.

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Speaker 2: We're going to be talking broke tips. Beck said something

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Speaker 2: about a banana before. I'm sure it's a secret. Okay, sorry.

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Speaker 2: We're also going to be answering a juicy money dilemma,

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Speaker 2: which this week is all about what to prioritize when

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Speaker 2: returning from maternity leave. And we're going to be unpacking

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Speaker 2: something that you slid into our DMS about which this week, Beck,

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Speaker 2: we're going to be talking about a topic that he

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Speaker 2: gives me the ig. Yeah, housemates who let their friends

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Speaker 2: use your room when you're on Oh, oh my god,

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Speaker 2: it's gonna be a little bit gross. But this first

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Speaker 2: things first, my love, how was your week? My week

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Speaker 2: was really good. I went to Actually it's a four.

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Speaker 2: It's been a full week.

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Speaker 4: I feel rejuvenated, I feel great. I feel like it's

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Speaker 4: been a good week. It's been a really really good week.

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Speaker 4: So a lot of friends and did a lot of

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Speaker 4: things and did a lot of chores and that's really exciting.

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Speaker 2: Yeah, it's very fun, not just working my life away.

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Speaker 2: I am halfway through not recording, but scripting up and

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Speaker 2: like doing all the research, which always takes me the

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Speaker 2: longest of our investing masterclass. It's is coming out soon. Yeah,

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Speaker 2: I'm really excited about it. I asked a question in

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Speaker 2: the Facebook group the other day and I was just like, hey, guys,

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Speaker 2: like I'm putting these together, Like what do you need

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Speaker 2: to know? Because obviously I've already done so much research.

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Speaker 2: I've written a book on investing, but I just want

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Speaker 2: to jam pack so much more into it. Like I

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Speaker 2: genuinely think that maybe like ten percent of what I

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Speaker 2: talk about in the course is like in the book. Right,

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Speaker 2: It's like just gone real rogue like because it's my

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Speaker 2: course and I don't have a producer or an editor

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Speaker 2: in the same way that I had a book. I'm like, well,

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Speaker 2: that's staying in. That's staying in. I'm the boss here.

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Speaker 2: So yeah. I asked the group what you guys want,

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Speaker 2: and I was like, hey, what can I include? And

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Speaker 2: there were just so many good suggestions. So I went

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Speaker 2: back to the drawing board and I like, redid my skeleton.

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Speaker 2: And we're halfway there, which means I'm recording it soon,

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Speaker 2: which means it will launch soon. And I'm very excited

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Speaker 2: about it. That's lost. So maybe nobody else cares about

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Speaker 2: an investing master class. I do because I think it's

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Speaker 2: gonna be lit. So that's mainly what I have done

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Speaker 2: literally a week. Wow. Wow, I get like hyper fixated

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Speaker 2: on something. Yeah, so like I've been doing it. Not

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Speaker 2: that you should brag about how many hours you're putting in,

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Speaker 2: but like I'm like up to like ten eleven every

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Speaker 2: night doing this, like on the couch. Sure, just because

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Speaker 2: I'm just so excited. I'm like, oh yep. And then

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Speaker 2: like I just keep typing and my husband's like, I'll

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Speaker 2: just play video games this week. I guess that is

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Speaker 2: very exciting me.

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Speaker 4: You're a very hard worker and I'm very very impressed

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Speaker 4: by everything you do.

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Speaker 2: Yeah, I don't even know if it's hard work. I've

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Speaker 2: just got a hyperfixation at the moment. So that's a symptom, right,

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Speaker 2: you know what. We'll just Yeah, it's definitely an ADHD scotcha.

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Speaker 2: I'm definitely hyper excited on it. So we're definitely not

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Speaker 2: going to be putting the same hours in moving forward.

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Speaker 2: But like you get what you get and you don't

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Speaker 2: get up exactly all right. So this is where I

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Speaker 2: usually would hand over to our friend Jessica and be like, Hey,

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Speaker 2: what community money wins have you got this week? Beck,

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Speaker 2: She's not here? No, so do we just skip? Absolutely?

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Speaker 2: I've got them. Are you ready? I'm ready. I've rounded

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Speaker 2: up my favorites. Okay, first things first, Rosalie, She says,

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Speaker 2: money loss. I bought a ten pack of nuggets and

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Speaker 2: they only had nine in there.

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Speaker 4: Oh, it's usually the other way around. You usually get

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Speaker 4: a few more, you don't usually get less.

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Speaker 2: Yeah, that's really rude. That's really rude. I'd be salty

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Speaker 2: about that too. We've got a money whin from Katie,

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Speaker 2: who's new to our community. Hi Katie, she says, I

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Speaker 2: have three kids, and I used our separate door Dash

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Speaker 2: accounts and I used the one dollar deal promotion for

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Speaker 2: an easy Sunday night takeaway dinner. Four burghers and chips

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Speaker 2: cost me four bucks. No way, is that a good money?

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Speaker 4: Way?

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Speaker 5: Very sick.

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Speaker 2: Maybe we'll talk about this off, Mike, but I really

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Speaker 2: want to know how. So door Dash had a promotion recently,

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Speaker 2: spob I don't know, we can google it, but they

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Speaker 2: had a promotion recently where one item from like random menus,

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Speaker 2: So it would depend on what area you were in.

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Speaker 2: But like some burger places were like, okay, we'll out

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Speaker 2: chicken burger today is a dollar and so she clearly

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Speaker 2: has hacked it. So four burgos four bucks. You can't

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Speaker 2: even make that a year. That seriously, that's so good.

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Speaker 2: And chips and jip chippies these days as an add

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Speaker 2: on spenot they're like seven dollars fifty at a minute.

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Speaker 2: And now what the heck is that star? Just see potato.

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Speaker 2: Still going to do it, yeah, still going to do

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Speaker 2: it for sure. All right, we've got a money win

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Speaker 2: from Charlotte, she said. I don't usually share, but I

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Speaker 2: really have to. We direct debit weekly to our gas

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Speaker 2: and electricity account, a bit more expensive than required to

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Speaker 2: cover any unexpected laid bills. We recently moved house and

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Speaker 2: turns out we were eight hundred dollars in credit. Whoa.

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Speaker 2: We've been refunded the money and we're hoping to repurpose

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Speaker 2: that money on some fun projects on the new house

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Speaker 2: we didn't even think we could fund straight away. That

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Speaker 2: is so sime win. I love this. I have a

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Speaker 2: couple more. Do you want me to keep going?

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Speaker 4: Please?

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Speaker 2: Yes? This one's from Hugh. Hugh says money win a

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Speaker 2: month ago, I changed my SIM card plan from Optis

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Speaker 2: to a Masim, which saves me twenty dollars a month.

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Speaker 2: Since then, Optis contacted me with a different offer. They

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Speaker 2: offered me the same price with more data. I thought

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Speaker 2: that was pretty good. Then today a Masim was like, hey,

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Speaker 2: we'll give you ten dollars less, So obviously I said yes.

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Speaker 2: And it's a fifty percent discount on what I should

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Speaker 2: be paying. Wow, that's good money. When I literally love

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Speaker 2: when people hustle yes and to like negotiate a phone bill.

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Speaker 2: Do you know these days you can basically just go

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Speaker 2: online and talk to the online chat function. You don't

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Speaker 2: even have to pick up the phone, which is what

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Speaker 2: I think is most of our community a bit of anxiety.

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Speaker 2: It gives me anxiety, like picking up the phone and

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Speaker 2: having to be like, can I have a better deal,

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Speaker 2: Like just get on the chat function? But it can

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Speaker 2: be a keyboard warrior in that way. Oh my gosh,

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Speaker 2: it's so much better. I've got two more. This one's

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Speaker 2: from Renee. Renee says money win. I worked three out

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Speaker 2: of four days from home last week, which meant no

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Speaker 2: using petrol, and I saved forty five dollars worth of pucking.

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Speaker 2: And I also didn't spend any money on coffees or

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Speaker 2: juices that I will usually purchase while I'm at work.

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Speaker 2: How could's that? That's probably I don't know, one hundred bucks.

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Speaker 2: I feel like it's a lot of money, A lot

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Speaker 2: of money because like what's your coffee cost a day?

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Speaker 2: Like six bucks or something? To school stim I know

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Speaker 2: the school stick, Like you know, three or four a day?

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Speaker 2: You serious? I really have excite yet three or four

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Speaker 2: a day? It depends what week we are on the

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Speaker 2: page cycle. You go down to the cafe three or

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Speaker 2: four times a day? Yeah, sometimes just to have a chat.

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Speaker 2: But then I'll also get a coffee for.

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Speaker 1: Do you know.

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Speaker 2: I don't know how to tell you. They're scared. We

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Speaker 2: have free coffee in the office.

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Speaker 4: Inston Coffee, Babe, I'm not having instant coffee.

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Speaker 2: I don't know how to make that. I will teach

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Speaker 2: you how to make that, okay. But also you can

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Speaker 2: have like one a day. I'm not trying to budget

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Speaker 2: for you, but like three or four that is probably

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Speaker 2: where all my money goes. Yeah, because that would be

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Speaker 2: twenty four times five. Oh, I just truly calculated it now,

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Speaker 2: So three or four. Do you want to go based

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Speaker 2: on three or based on we're going to go three?

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Speaker 2: And you said that was six bucks each. You're spending

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Speaker 2: eighteen dollars a day, and if you come to work

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Speaker 2: every single day, that's ninety dollars a week, not even

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Speaker 2: including your weekend coffee. Your work coffees are costing that.

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Speaker 2: You know, let's be conservative, you get four weeks leave

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Speaker 2: a year. Obviously, we're not kept factoring in those coffees.

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Speaker 2: So instead of doing fifty what fifty two weeks in year,

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Speaker 2: forty eight weeks in a year, four thousand, three hundred

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Speaker 2: and twenty dollars back you're spending on coffee at work? Wow,

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Speaker 2: honestly at work.

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Speaker 4: To be honest, I probably now you're going to say

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Speaker 4: you didn't do it. No, No, I was going to say,

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Speaker 4: I may maybe even drink more on the weekend.

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Speaker 2: You like, even more on the weekend. That was just

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Speaker 2: like corporate coffees exactly.

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Speaker 4: I'm very, very modest when I'm in the office, but

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Speaker 4: when it's the weekend, I'm having five or six.

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Speaker 2: Oh my gosh, how do we function if you don't

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Speaker 2: have coffee? No, it doesn't really hit me that much.

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Speaker 2: I'm like a two coffee wonder. Like, if I've had

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Speaker 2: two coffees, I'm picking off the walls and usually I

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Speaker 2: am already. But like if you offer me another coffee,

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Speaker 2: I have to be like no, because I'll start shaking.

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Speaker 4: Oh you're one of those people that kind of tea

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Speaker 4: after two PM or something.

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Speaker 2: Oh no, I can have tea. I can have so

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Speaker 2: many tea's, but I definitely can't have more coffees. Right, Okay, gotcha,

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Speaker 2: gotcha coffee inside Tira massue. Different story though, of course, Yeah,

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Speaker 2: of course that's very different. All right, I have one

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Speaker 2: more money win to share with you. This one is

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Speaker 2: from Amy and you know what, fifty six people liked

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Speaker 2: this money in. Oh it's a bit long, so sit down.

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Speaker 2: So she says, money in used what was in the pantry,

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Speaker 2: and our grocery shop only cost us seventy five dollars

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Speaker 2: last week, half the normal budget, including all the fun

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Speaker 2: things we bought because it was a small shop. She says, Also,

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Speaker 2: I want to share not my money in, but I

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Speaker 2: also hear pressure to friend's husband into creating a savings

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Speaker 2: account this weekend. He has tens of thousands of dollars

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Speaker 2: just sitting in his transaction account. He moved pretty quick

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Speaker 2: once I told him how much interest we were making

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Speaker 2: with the same bank. I won't hear pressure my friends

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Speaker 2: into drinking or taking drugs, but you best believe I

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Speaker 2: will be peer pressuring them into a better financial situation.

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Speaker 2: Sounds like a very good friend. What a queen. I

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Speaker 2: love queen. I love that. I feel like that's me

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Speaker 2: on the weekends. Like me offline, I'm always like, what

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Speaker 2: are you doing with that money? Where you're gonna where

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Speaker 2: you're gonna put him? How do I help you? Do

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Speaker 2: you want to do a budget together? Do you want

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Speaker 2: to hang out and sit down and do a budget?

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Speaker 2: And you're like, do you really want.

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Speaker 6: To do that?

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Speaker 4: Yes, that's true. If anyone listening, if you're wondering what

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Speaker 4: V's like off Mike, it.

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Speaker 2: Is exactly the same about budgeting. She is exactly the same.

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Speaker 4: And sometimes I might be like, let's go watch a movie,

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Speaker 4: but maybe you instead want the budget.

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Speaker 2: Yeah, exactly, exactly. Only financial movie is Please Street financial documentary?

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Speaker 2: So financial documentary?

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Speaker 3: Yeah?

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Speaker 2: All right, all right, right, let's move on, because I

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Speaker 2: have heard that there's a banana involved in your broke tips,

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Speaker 2: and I just cannot work out how or why? So

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Speaker 2: could you please elaborate, my friend, what if you got

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Speaker 2: this week?

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Speaker 4: Of course this would have looked so funny because our

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Speaker 4: producer kindly printed this off for me today. She definitely

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Speaker 4: didn't print all of the doodles all over that piece

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Speaker 4: of paper.

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Speaker 2: You've absolutely ruined it for everyone listening. I don't know.

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Speaker 2: Once I have a pen in hand, I can't help myself,

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Speaker 2: but I must. Yeah, we had to take it off

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Speaker 2: you a couple of weeks ago because you had a

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Speaker 2: permanent markroo and you were drawing on the table.

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Speaker 4: But also, when you say doodles, it's not doodles. It's

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Speaker 4: the old school version of a doodle, which is just

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Speaker 4: literally drawing silly things went there except oh okay, maybe

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Speaker 4: literally just me ilsing him. There's not a single doodle

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Speaker 4: on this paper.

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Speaker 2: There are That whole paper is coveting doodles. Sorry, moving along,

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Speaker 2: Moving along, okay.

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Speaker 4: So v my broke tips for this week, I as

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Speaker 4: always have two from the community and one from myself.

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Speaker 4: I will start with cat. Cat sent me a broke tip.

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Speaker 4: She said, if you downward Woolys app and go to

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Speaker 4: the half price section and you only eat what is

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Speaker 4: half priced that week, you'll save a lot of money.

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Speaker 2: Wait, so you're saying there's a whole section, whole section,

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Speaker 2: so I don't have to like flick through catalogs or

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Speaker 2: like go through the aisles. If the supermarket work out

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Speaker 2: what's half rice? The app tell you exactly. She's a genius.

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Speaker 2: Thanks for that cat Yes, isn't it?

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Speaker 4: And to extend on that, she says that she works

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Speaker 4: at Woolies only on a Sunday morning, stay at her

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Speaker 4: mum life so that she can keep her employee discounts,

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Speaker 4: which is a great idea I guess doesn't maybe work

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Speaker 4: for the general population, but also Sunday right at Sunday rates.

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Speaker 4: She also says Woolies is fifteen dollars unlimited delivery a month.

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Speaker 4: It costs about that much to drive to and from

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Speaker 4: there every week because she lives about ten kilometers from

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Speaker 4: a supermarket on the Sunshine Coast.

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Speaker 2: Well, if it's fifteen bucks unlimited for a month, how

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Speaker 2: many times do you go to the supermarket each month?

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Speaker 1: Oh?

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Speaker 2: Yeah, true?

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Speaker 4: Maybe like me, maybe two or three times a month.

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Speaker 4: But I think I feel like a lot of people

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Speaker 4: would go more often.

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Speaker 2: Yeah, but like even if you're going two or three times.

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Speaker 2: Like if you do public transport, what's a mikey these days,

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Speaker 2: like five bucks? Yeah, so that already covers your three trips. True,

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Speaker 2: like car car insurance, petrol is so expensive fifteen bucks.

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Speaker 2: And also what if you can just if it's unlimited,

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Speaker 2: you could just jump online and be like I actually

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Speaker 2: do want to top up with bread and milk and

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Speaker 2: just the basics to come on Friday, and like it's

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Speaker 2: not gonna cost you any more than what the bread

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Speaker 2: and milk is gonna be. Yeah, that's so true. It's

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Speaker 2: a bit of a money wins. It is a great idea.

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Speaker 2: I like that turn out, and if.

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Speaker 4: Someone packs it for you and delivers to your do

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Speaker 4: you don't have to do that thing where you're carrying

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Speaker 4: like seven bags of grocery.

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Speaker 2: That's what I do, because you best believe I'm doing

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Speaker 2: two trips. I'm not gone back. Sometimes I just leave

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Speaker 2: stuff in my car for like an extended period of

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Speaker 2: time because I'm like, well, I guess it lives there now.

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Speaker 2: Me too.

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Speaker 4: If it's not a perishable lives there now. It's gonna

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Speaker 4: stay in my car until all of eternity.

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Speaker 2: It's additional storage for my house. Yeah, it's like a ship.

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Speaker 4: Exactly back of the car is a shd. All right,

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Speaker 4: what else have you got for me? Okay, so this

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Speaker 4: one's from Caitlin. He sent me a video of a Basically,

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Speaker 4: it's a frugal man who peels bananas before weighing them

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Speaker 4: to say money.

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Speaker 2: No, he doesn't. I think it's so clever. What you

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Speaker 2: think that's clever?

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Speaker 4: Yeah, I mean, like if our producer said it's probably

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Speaker 4: not legal, which fair enough, Sure, I.

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Speaker 2: Don't think it's legal either, But like, also there's stingy.

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Speaker 2: Then there's like real stingchy. It's like have you seen

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Speaker 2: that frugal show, think it's on Netflix where that woman

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Speaker 2: cooks her lazonia in the dishwasher.

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Speaker 4: Oh, I've seen this in like salmon in foil in

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Speaker 4: the dish washer.

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Speaker 6: Yeah.

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Speaker 2: And also there was that guy. I don't know. If

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Speaker 2: it's involving money, I've watched it. If it's on Netflix.

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Speaker 2: If it has anything to do with money, I've watched it.

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Speaker 2: That guy. They have a spa out the back, but

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Speaker 2: to justify the cost of the spa, they don't bath

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Speaker 2: or shower. They just go in the spa and they

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Speaker 2: also do all their washing in there. Oh no, yeah,

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Speaker 2: I can see you make a tea in there. Absolute

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Speaker 2: absolutely not. I can't. I can't. Then there was like

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Speaker 2: some dude who had heaps of money but lived in

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Speaker 2: a house with absolutely no furniture, because he's like, why

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Speaker 2: waste money on furniture when I can sit on the floor,

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Speaker 2: And I'm like, it's a good point. It's yeah, that's

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Speaker 2: a good point. Oh my gosh.

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Speaker 4: This is unrelated and it's definitely not a money win.

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Speaker 4: But the other day I couldn't be bothered going downstairs

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Speaker 4: to make a tea, so I got my bottle of water,

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Speaker 4: cold bottle of water, put it in a cup, and

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Speaker 4: I used coffee cup and had a tea bag that

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Speaker 4: was just sitting room and heated it by the radiant heater.

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Speaker 2: You do that the second you get to work, though,

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Speaker 2: you're like four coffee is a day.

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Speaker 4: Yeah, yeah, yeah, bro I decided and all this energy

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Speaker 4: comes over me and I can go downstairs and get

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Speaker 4: a coffee.

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Speaker 2: Those are our broke tips from our community in our

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Speaker 2: community love.

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Speaker 4: And actually I don't know if this is legal, but

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Speaker 4: if you take the stem off broccoli, this is legal.

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Speaker 6: I shouldn't.

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Speaker 2: I shouldn't.

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Speaker 4: Perhaps I should not be saying it if. I don't know,

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Speaker 4: but if you take the stem off broccoli, that could

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Speaker 4: be cheaper. I'm not sure if it's bag.

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Speaker 2: Is that you're broke tea allowed, I don't know, it's not.

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Speaker 2: That's not yours. That's just like off of chickens broke tip,

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Speaker 2: you know what. I just feel like the stem is

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Speaker 2: the best bit, so I get rid of it. Oh yeah,

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Speaker 2: that makes sense in stir fries and stuff. I really

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Speaker 2: like it. That's because I'm a bit weird. I cut

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Speaker 2: it up and eat it while I'm cooking. Oh okay,

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Speaker 2: I might try that. As I said, I'm a bit weird,

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Speaker 2: but not weird. I want to know what's your broke tip?

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Speaker 4: Yes, okay, so my broke tip for this week. I

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Speaker 4: guess it's like, you know, it's a little bit of work,

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Speaker 4: but if.

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Speaker 2: You have the time. Bit of work, if you have

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Speaker 2: the energy is the woman who made tea in her

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Speaker 2: bedroom with an old tea.

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Speaker 4: Bag exactly exactly. It's it's slightly less work than that.

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Speaker 4: But I would say for myself personally, if I'm paying

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Speaker 4: for a lot of things in a particular month or whatever,

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Speaker 4: your pay cycle is fortnightly, whatever, if I know, if

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Speaker 4: I predict that I'm going to run out of money quickly,

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Speaker 4: and i have a few bills coming up, and I'm

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Speaker 4: feeling super stressed out spending what I used.

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Speaker 2: To time at the cafe.

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Speaker 4: Yeah, exactly what I used to do is I would

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Speaker 4: just not pay the bills and then have people chasing

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Speaker 4: me and feel extremely anxious and terrible idea. It's a

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Speaker 4: really bad idea. But honestly, what I have noticed in

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Speaker 4: my adult life, and that's from twenty eight onward. If

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Speaker 4: you call up places, let's say Linked for example, I

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Speaker 4: always I'm always paying for tolls, you'll gas and electricity, if

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Speaker 4: you have payments going on, I used to use hum

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Speaker 4: anything like that. If you call them up, explain a situation.

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Speaker 4: You can even do it on that little chatbot thing.

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Speaker 4: As you were saying before, you will be able to

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Speaker 4: either have an extension on a due date or you'll

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Speaker 4: be able to pay things off in smaller amounts.

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Speaker 2: Just so good. Just try and put in the time

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Speaker 2: set aside some time.

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Speaker 4: If you're stressed about money, if you're stressed about bills

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Speaker 4: that are coming out, about it, talk about it because people,

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Speaker 4: I'm sure companies would way rather you say I'm going

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Speaker 4: to pay on this date or maybe at than just

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Speaker 4: like literally ghost and then they have to chase you.

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Speaker 2: You know of them have hardship policies as well. Yes,

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Speaker 2: so you reach out and be like, hey, I'm going

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Speaker 2: through a bit of a rough patch. Often they'll be like, oh, Beck,

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Speaker 2: we totally.

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Speaker 4: Get it, exactly, here's some relief exactly. And they don't

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Speaker 4: make you feel silly about it. You should not feel

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Speaker 4: embarrassed about it.

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Speaker 2: It's all good. Just consider that if you're going through

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Speaker 2: a tough time and you have a lot of bills coming.

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Speaker 6: I love it.

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Speaker 2: So smart and a good reminder, especially right now now. Yes,

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Speaker 2: all right, let's go to a really quick break on

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Speaker 2: the flip side. We're going to be talking about what

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Speaker 2: to prioritize when returning from maternity leave and the icky

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Speaker 2: question of what do you do when your housemate lets

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Speaker 2: their friends sleep in your bed when you're not there.

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Speaker 2: Don't go anywhere, guys, Welcome back everyone. Let's have a

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Speaker 2: listen to our money dilemma. Hi, there, have you got

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Speaker 2: a money dilemma you just can't solve? The Sheese on

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00:18:26,720 --> 00:18:29,480
Speaker 2: the Money Team is here to help. Every week we

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Speaker 2: tackle your dilemmas both big and small to answer your

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Speaker 2: most burning money, career and life questions. To get involved,

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00:18:35,840 --> 00:18:37,960
Speaker 2: simply head to our website and leave us a short

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00:18:38,040 --> 00:18:41,240
Speaker 2: voice recording and you might just find yourself on the show. Now,

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Speaker 2: let's take a listen to this week's money dilemma.

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Speaker 6: Okay, a dilemma.

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Speaker 3: I'm set to return back to work after my unpaid

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Speaker 3: maternity leave next month. However, I was severely underpaid and

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Speaker 3: only took that role because I was desperate.

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Speaker 6: At the time. But all so, I simply just don't

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Speaker 6: want to leave my son.

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Speaker 3: I have been researching and wanting to start my own business,

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Speaker 3: which will cost me thirty five thousand dollars.

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Speaker 4: To start.

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Speaker 3: This business is something I am passionate about, but will

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Speaker 3: also allow me to stay at home with my son.

433
00:19:15,960 --> 00:19:19,200
Speaker 3: I have a twenty five thousand dollar car loan which

434
00:19:19,240 --> 00:19:22,040
Speaker 3: I pay five hundred dollars a month for, and I

435
00:19:22,080 --> 00:19:25,360
Speaker 3: also only have forty thousand dollars in savings. My partner

436
00:19:25,400 --> 00:19:27,680
Speaker 3: and I are also looking to buy a place.

437
00:19:27,480 --> 00:19:30,080
Speaker 6: In the next two months with our money. But what

438
00:19:30,160 --> 00:19:31,240
Speaker 6: do I do with money?

439
00:19:31,359 --> 00:19:32,119
Speaker 2: Do I do with mine?

440
00:19:32,320 --> 00:19:32,520
Speaker 6: Yeah?

441
00:19:32,560 --> 00:19:33,959
Speaker 2: I think mine all right?

442
00:19:34,000 --> 00:19:34,240
Speaker 1: Back?

443
00:19:34,280 --> 00:19:36,520
Speaker 2: What did you do when you returned from Mattleeth.

444
00:19:36,680 --> 00:19:42,480
Speaker 4: What it did was I forgot that I had a baby.

445
00:19:43,480 --> 00:19:45,240
Speaker 4: When I was listening to this, I was seeing you

446
00:19:45,280 --> 00:19:48,119
Speaker 4: write things down, and I was really trying to think

447
00:19:48,160 --> 00:19:51,159
Speaker 4: of something because I obviously this is very unrelatable to me.

448
00:19:51,200 --> 00:19:54,200
Speaker 2: I'm so sorry. My advice is be kind to yourself

449
00:19:54,320 --> 00:19:59,200
Speaker 2: and haven't I stay and you lets it be thy fruit,

450
00:20:00,080 --> 00:20:03,240
Speaker 2: the fruits. I love that I did write a few notes.

451
00:20:03,400 --> 00:20:06,720
Speaker 2: I think this is such a sticky situation that a

452
00:20:06,800 --> 00:20:09,040
Speaker 2: lot of new parents find themselves in.

453
00:20:09,200 --> 00:20:09,400
Speaker 1: Right.

454
00:20:09,480 --> 00:20:12,600
Speaker 2: Lots of people go on matt leave with every intention

455
00:20:12,680 --> 00:20:15,640
Speaker 2: of returning, but don't know what it's like having a baby,

456
00:20:15,720 --> 00:20:17,800
Speaker 2: and then once they do have a baby, they're like,

457
00:20:17,840 --> 00:20:19,600
Speaker 2: I don't want to leave, like this is great, or

458
00:20:19,640 --> 00:20:21,800
Speaker 2: I'm really enjoying my time off, or I want more.

459
00:20:22,320 --> 00:20:25,680
Speaker 2: What I'm hearing from the start is I think there's

460
00:20:25,720 --> 00:20:28,720
Speaker 2: two parts to this. Right, so you don't want to

461
00:20:29,119 --> 00:20:31,879
Speaker 2: return to work, but you were very clear that you

462
00:20:31,920 --> 00:20:36,320
Speaker 2: were severely underpaid in your current job. So it's quite

463
00:20:36,400 --> 00:20:39,520
Speaker 2: clear that you don't feel respected, I would say, in

464
00:20:39,520 --> 00:20:41,960
Speaker 2: that role and don't want to return to that. Whether

465
00:20:42,000 --> 00:20:43,879
Speaker 2: you start a business or not, I think is a

466
00:20:43,920 --> 00:20:47,560
Speaker 2: different conversation. But what you're saying, let's pretend you didn't

467
00:20:47,560 --> 00:20:50,040
Speaker 2: say that you want to start a business. What you're

468
00:20:50,040 --> 00:20:53,159
Speaker 2: saying is these people don't respect you, they're underpaying you,

469
00:20:53,440 --> 00:20:56,280
Speaker 2: and if you return to work, you probably need a

470
00:20:56,280 --> 00:21:00,400
Speaker 2: new job. So that's all well and good. I would

471
00:21:00,400 --> 00:21:02,600
Speaker 2: be having a pragmatic think about, Okay, well, if I

472
00:21:02,640 --> 00:21:05,160
Speaker 2: don't return to that particular job, what are my options?

473
00:21:05,240 --> 00:21:09,119
Speaker 2: Obviously a business is one of them. I think businesses

474
00:21:09,160 --> 00:21:13,639
Speaker 2: are fantastic, as somebody who owns one. I adore the freedom.

475
00:21:13,920 --> 00:21:17,040
Speaker 2: But it's also not that free, right, So maybe it's

476
00:21:17,040 --> 00:21:19,679
Speaker 2: a bit risky. Especially it could be really risky. It

477
00:21:19,720 --> 00:21:22,320
Speaker 2: depends what it is. I always get, Beck, I get

478
00:21:22,359 --> 00:21:25,040
Speaker 2: so nervous when people say, I know my business startup

479
00:21:25,119 --> 00:21:26,960
Speaker 2: costs are going to be thirty five thousand dollars, Like

480
00:21:27,080 --> 00:21:29,399
Speaker 2: I don't have nearly enough context. Like I don't know

481
00:21:29,640 --> 00:21:32,760
Speaker 2: if you've gone and you know, created this big, beautiful

482
00:21:32,800 --> 00:21:36,080
Speaker 2: spreadsheet and actually fully comprehend what it's going to cost, right,

483
00:21:36,760 --> 00:21:40,440
Speaker 2: or has some multi level marketing company come along and said, hey, Beck,

484
00:21:40,560 --> 00:21:42,800
Speaker 2: you can get started for thirty five grand I don't

485
00:21:42,800 --> 00:21:44,680
Speaker 2: know if this is a good idea or not. Yeah,

486
00:21:44,720 --> 00:21:46,960
Speaker 2: I can't tell you if starting a business is I

487
00:21:46,960 --> 00:21:49,240
Speaker 2: don't even know what it is. What I can tell

488
00:21:49,280 --> 00:21:51,040
Speaker 2: you is it's a lot more work than you think

489
00:21:51,040 --> 00:21:52,840
Speaker 2: it is. And even if it enables you to be

490
00:21:52,920 --> 00:21:55,639
Speaker 2: home with your son, that does not necessarily mean that

491
00:21:55,680 --> 00:21:59,360
Speaker 2: you're home present with your son, true, and it could

492
00:21:59,480 --> 00:22:02,399
Speaker 2: weigh a lot heavier on you. It's something that I

493
00:22:02,440 --> 00:22:04,560
Speaker 2: think about a lot, because I would love to start

494
00:22:04,600 --> 00:22:08,320
Speaker 2: a family soon. But I also know that something's going

495
00:22:08,359 --> 00:22:10,560
Speaker 2: to have to give for me to be a present

496
00:22:10,720 --> 00:22:14,040
Speaker 2: parent rather than just one that's not there. And you know,

497
00:22:14,119 --> 00:22:16,560
Speaker 2: I look at my friends, who you know, just have

498
00:22:16,640 --> 00:22:18,880
Speaker 2: salary and wage journing jobs, and a few of them

499
00:22:18,920 --> 00:22:21,600
Speaker 2: have returned part time, and I'm like, how cool would

500
00:22:21,600 --> 00:22:24,240
Speaker 2: it be? And this is me not complaining. I adore

501
00:22:24,280 --> 00:22:26,760
Speaker 2: the situation I'm in. How cool would it be to

502
00:22:27,040 --> 00:22:29,119
Speaker 2: have a baby at home, go to work for my

503
00:22:29,160 --> 00:22:31,360
Speaker 2: part time hours, come home and have not one thing

504
00:22:31,400 --> 00:22:34,560
Speaker 2: to worry about. Yes, you don't have to worry about payroll,

505
00:22:34,760 --> 00:22:37,000
Speaker 2: you don't have to worry about tax. You're not doing

506
00:22:37,119 --> 00:22:39,760
Speaker 2: bass till all hours of the night. You're not you know,

507
00:22:39,880 --> 00:22:42,959
Speaker 2: doing your bookkeeping or being stressed about paying creditors, Like,

508
00:22:43,359 --> 00:22:47,240
Speaker 2: there's so much benefit being a salary and wage earning

509
00:22:47,280 --> 00:22:50,119
Speaker 2: employee that I just look at it and go, I

510
00:22:50,200 --> 00:22:52,480
Speaker 2: get it. But we need to see both sides of

511
00:22:52,520 --> 00:22:54,960
Speaker 2: the coin. I know being present for your son makes sense,

512
00:22:55,040 --> 00:22:57,199
Speaker 2: but that the crux of it. What I'm hearing is

513
00:22:57,560 --> 00:23:01,160
Speaker 2: you need to make an income. Yeah, so that outcome great,

514
00:23:01,800 --> 00:23:03,760
Speaker 2: How are you going to do that in a way

515
00:23:03,800 --> 00:23:06,440
Speaker 2: where you're still as present as you want to be

516
00:23:06,440 --> 00:23:09,159
Speaker 2: Because being home is one thing, but being a present

517
00:23:09,280 --> 00:23:12,040
Speaker 2: parent is another. And I think that those things need

518
00:23:12,080 --> 00:23:15,200
Speaker 2: to come into consideration when thinking about having a family

519
00:23:15,240 --> 00:23:18,160
Speaker 2: and thinking about, you know, what your post maternity leave

520
00:23:18,240 --> 00:23:22,320
Speaker 2: life looks like, because right now I'm assuming these are

521
00:23:22,320 --> 00:23:25,800
Speaker 2: all assumptions. Back, Yeah, you said you're on unpaid maternity leave.

522
00:23:26,280 --> 00:23:29,360
Speaker 2: You don't have any responsibilities. Your responsibility is, you know,

523
00:23:29,640 --> 00:23:31,960
Speaker 2: bringing up your child. They've got one hundred percent of

524
00:23:31,960 --> 00:23:35,960
Speaker 2: your undivided attention. Starting a business is hard. The first

525
00:23:36,000 --> 00:23:39,440
Speaker 2: five years are hard. Like this stuff is not easy,

526
00:23:39,480 --> 00:23:40,840
Speaker 2: and I'm not trying to talk you out of it.

527
00:23:40,880 --> 00:23:44,760
Speaker 2: I just want a balanced argument of Hey, is that

528
00:23:44,880 --> 00:23:47,800
Speaker 2: actually the right decision for right now? I know lots

529
00:23:47,800 --> 00:23:49,960
Speaker 2: of people who have started business as while on matt

530
00:23:50,040 --> 00:23:52,840
Speaker 2: leave or with new babies, and they've been so successful

531
00:23:52,920 --> 00:23:55,240
Speaker 2: and like it's the best decision they've ever made. But

532
00:23:55,320 --> 00:23:57,439
Speaker 2: I think that there is a lot of benefit in

533
00:23:57,440 --> 00:23:59,639
Speaker 2: stepping back and going like, all right, well, if you

534
00:23:59,680 --> 00:24:02,040
Speaker 2: want to out of business, that's fantastic, But like, what

535
00:24:02,080 --> 00:24:05,679
Speaker 2: are your motivations to do so? Because, as I said before,

536
00:24:05,800 --> 00:24:09,480
Speaker 2: this is personal opinion, there's a difference between being present

537
00:24:09,800 --> 00:24:12,679
Speaker 2: and being present. Yes, that makes sense, y so completely

538
00:24:12,760 --> 00:24:16,680
Speaker 2: makes sense. That would be my I guess take Obviously

539
00:24:16,720 --> 00:24:19,119
Speaker 2: you've got a car loan and you've got some savings.

540
00:24:19,200 --> 00:24:22,400
Speaker 2: I'd be looking at options to fund the business. Say

541
00:24:22,400 --> 00:24:25,800
Speaker 2: you go down that route and you need to, you know,

542
00:24:26,240 --> 00:24:28,280
Speaker 2: do the startup costs. There are a lot of costs

543
00:24:28,280 --> 00:24:30,359
Speaker 2: that you can't get away with, like you have to

544
00:24:30,359 --> 00:24:33,560
Speaker 2: pay immediately. Yeah, but what's this thirty five thousand dollars

545
00:24:33,560 --> 00:24:36,159
Speaker 2: made up of? Like can you break it down? Like

546
00:24:36,560 --> 00:24:39,000
Speaker 2: have you looked at other quotes? Let's say you've got

547
00:24:39,040 --> 00:24:41,040
Speaker 2: a quote for marketing and branding and it was like

548
00:24:41,240 --> 00:24:44,000
Speaker 2: sixteen thousand dollars, Like, have you gotten a few other quotes?

549
00:24:44,080 --> 00:24:46,240
Speaker 2: Is that actually the best use of your money? You

550
00:24:46,280 --> 00:24:49,359
Speaker 2: know what parts of this could you do yourself, because

551
00:24:49,359 --> 00:24:51,600
Speaker 2: they think that getting a business off the ground is

552
00:24:51,640 --> 00:24:54,960
Speaker 2: one thing, and then rebranding it so it thrives is another.

553
00:24:55,400 --> 00:24:58,080
Speaker 2: So I just think, how can we strip that thirty

554
00:24:58,080 --> 00:25:00,960
Speaker 2: five thousand dollars back to the absolute bare minimum so

555
00:25:01,000 --> 00:25:03,440
Speaker 2: that you can kind of go through that viability period

556
00:25:03,520 --> 00:25:06,280
Speaker 2: and go, am I actually going to do this? Is

557
00:25:06,320 --> 00:25:09,000
Speaker 2: this actually going to work for the least amount of money?

558
00:25:09,200 --> 00:25:11,480
Speaker 2: And then go from there. The other thing, if you're

559
00:25:11,480 --> 00:25:13,320
Speaker 2: saying we're planning on buying a house in a couple

560
00:25:13,359 --> 00:25:16,320
Speaker 2: of weeks, I can almost guarantee that if you're working

561
00:25:16,359 --> 00:25:18,840
Speaker 2: with a broker, that forty thousand dollars that you have

562
00:25:18,960 --> 00:25:21,960
Speaker 2: in savings right now has been taken into consideration as

563
00:25:22,000 --> 00:25:24,280
Speaker 2: an asset, and if you disposed of it, it would

564
00:25:24,359 --> 00:25:27,520
Speaker 2: change how much the bank wants to lend you. So

565
00:25:27,680 --> 00:25:29,760
Speaker 2: just be really careful and talk to a broker before

566
00:25:29,760 --> 00:25:33,320
Speaker 2: you make a decision. I know a couple at Zella Money. Yes,

567
00:25:33,400 --> 00:25:36,119
Speaker 2: you might know a couple. They're pretty good. Their boss

568
00:25:36,160 --> 00:25:40,000
Speaker 2: is really nice. Fair ha. What's the boss's name again? Oh,

569
00:25:40,119 --> 00:25:42,680
Speaker 2: don't even worry about it, it's not important, all right.

570
00:25:42,760 --> 00:25:46,160
Speaker 2: Let's move on to the spicy conversation. Is it spicy?

571
00:25:46,320 --> 00:25:47,879
Speaker 4: I don't know if it's spicy or just gives me

572
00:25:47,920 --> 00:25:50,119
Speaker 4: the I think it might be because I've got a

573
00:25:50,160 --> 00:25:52,280
Speaker 4: story and maybe you've probably got a story.

574
00:25:51,960 --> 00:25:54,520
Speaker 2: That's oh my gosh, I had the exact same story,

575
00:25:54,560 --> 00:25:56,399
Speaker 2: and it's this is I guess why it gives me

576
00:25:56,440 --> 00:25:59,040
Speaker 2: the hebgb's that makes me go, oh, don't do that.

577
00:25:59,200 --> 00:26:01,520
Speaker 2: I love it. Are you ready? I'm ready, I'm so ready.

578
00:26:01,560 --> 00:26:03,800
Speaker 2: All right here it is. This is what slid into

579
00:26:03,880 --> 00:26:07,680
Speaker 2: our DMS this week. Hey, ladies could really use some advice.

580
00:26:08,119 --> 00:26:11,600
Speaker 2: I've been traveling overseas for two months. Whilst I was away,

581
00:26:11,680 --> 00:26:14,240
Speaker 2: I continued to pay my rent and bills towards the house.

582
00:26:14,720 --> 00:26:17,120
Speaker 2: I recently got home to find out that my two

583
00:26:17,200 --> 00:26:20,480
Speaker 2: housemates essentially let their friends crash at our place when

584
00:26:20,480 --> 00:26:24,080
Speaker 2: I was away. Whilst they didn't quote move in, they

585
00:26:24,119 --> 00:26:27,719
Speaker 2: were sleeping at our place in my bedroom at a

586
00:26:27,760 --> 00:26:30,600
Speaker 2: minimum of three times a week, use the hot water,

587
00:26:30,800 --> 00:26:34,640
Speaker 2: use the electricity, and basically were me. I'm so annoyed

588
00:26:34,720 --> 00:26:37,520
Speaker 2: by this. I lowkey feel that this person should have

589
00:26:37,520 --> 00:26:40,080
Speaker 2: been paying my rent if they wanted to use my room,

590
00:26:40,359 --> 00:26:42,440
Speaker 2: or even just some of the bills if they were

591
00:26:42,440 --> 00:26:46,240
Speaker 2: sleeping in my bed multiple times a week. My housemates

592
00:26:46,320 --> 00:26:48,960
Speaker 2: naively think that they did nothing wrong and that it's

593
00:26:48,960 --> 00:26:51,360
Speaker 2: okay because they washed my sheets and cleaned my room,

594
00:26:51,440 --> 00:26:54,879
Speaker 2: So what's the big deal? They say that the person

595
00:26:54,960 --> 00:26:57,000
Speaker 2: was hanging out on the weekend and it got late,

596
00:26:57,080 --> 00:26:59,800
Speaker 2: so they just crashed there a few times. Do you

597
00:26:59,840 --> 00:27:02,320
Speaker 2: think I have a right to ask for some rent

598
00:27:02,440 --> 00:27:04,600
Speaker 2: or build money back or do I just drop it?

599
00:27:04,640 --> 00:27:07,240
Speaker 2: What do you think I should do? No, that's not okay.

600
00:27:07,600 --> 00:27:09,640
Speaker 2: So yeah, it's very much.

601
00:27:09,920 --> 00:27:12,359
Speaker 4: You know, I think even if you're the chillest, chilliest,

602
00:27:12,400 --> 00:27:14,720
Speaker 4: chillest person in the world, you don't mind if people

603
00:27:14,720 --> 00:27:17,240
Speaker 4: go into your room. It's still a little bit weird

604
00:27:17,280 --> 00:27:19,080
Speaker 4: when someone that you don't know is sleep in your bed.

605
00:27:19,119 --> 00:27:19,560
Speaker 2: Stranger.

606
00:27:19,800 --> 00:27:23,520
Speaker 4: Maybe they're friends, I get it, but like ask first, because.

607
00:27:23,240 --> 00:27:25,680
Speaker 2: I reckon if they were friends, Beck, the friend would

608
00:27:25,680 --> 00:27:27,640
Speaker 2: have met. Like if I was going to your house

609
00:27:27,680 --> 00:27:29,520
Speaker 2: to hang out with your housemates and you were traveling

610
00:27:29,960 --> 00:27:32,119
Speaker 2: and they were like, oh, just stay, I'd message you

611
00:27:32,160 --> 00:27:34,000
Speaker 2: and be like, hey, Beck, like is it all right

612
00:27:34,000 --> 00:27:35,840
Speaker 2: if I sleep in your room? And you'd be like, yeah,

613
00:27:35,880 --> 00:27:38,880
Speaker 2: that's fine because I know you. Whatever, But it's such

614
00:27:38,920 --> 00:27:41,280
Speaker 2: a different story when you don't know them. I had

615
00:27:41,560 --> 00:27:43,159
Speaker 2: you said before that you've had this happen in so

616
00:27:43,240 --> 00:27:44,600
Speaker 2: of eye, When did it happen to you?

617
00:27:44,840 --> 00:27:48,280
Speaker 4: Okay, so it didn't happen to me personally, and everyone

618
00:27:48,320 --> 00:27:48,920
Speaker 4: listening you.

619
00:27:48,840 --> 00:27:52,600
Speaker 2: Do it to somebody else. I would never. But there

620
00:27:52,640 --> 00:27:56,560
Speaker 2: was one person who I used to live with who

621
00:27:56,680 --> 00:28:01,359
Speaker 2: let their parents their mom stay in a room that

622
00:28:01,600 --> 00:28:06,240
Speaker 2: was vacant because our other housemate was like traveling but still.

623
00:28:06,160 --> 00:28:07,320
Speaker 6: Was still her room.

624
00:28:07,400 --> 00:28:09,400
Speaker 2: All their stuff was like in the stuff.

625
00:28:09,119 --> 00:28:09,600
Speaker 6: Was in there.

626
00:28:09,960 --> 00:28:13,240
Speaker 4: They didn't sleeping in there. I think even something broken

627
00:28:13,280 --> 00:28:16,240
Speaker 4: there at some point. And then when that housemate got back,

628
00:28:16,760 --> 00:28:17,680
Speaker 4: the person who let.

629
00:28:17,640 --> 00:28:19,520
Speaker 2: Their parents day said.

630
00:28:19,520 --> 00:28:22,200
Speaker 4: Oh, I just thought you were more chill than that,

631
00:28:22,240 --> 00:28:25,159
Speaker 4: Like I thought you'd be more like chill and like cool,

632
00:28:25,240 --> 00:28:27,359
Speaker 4: and like didn't at all say I'm so sorry, like

633
00:28:27,400 --> 00:28:29,000
Speaker 4: I probably should have fast or I'm so sorry this

634
00:28:29,440 --> 00:28:30,480
Speaker 4: I overstepped the boundary.

635
00:28:30,520 --> 00:28:32,680
Speaker 2: It was like, you are weird for not wanting this,

636
00:28:32,760 --> 00:28:36,240
Speaker 2: and it was so yes, oh my god.

637
00:28:36,280 --> 00:28:38,920
Speaker 4: I had no one ever listens to this because they

638
00:28:38,960 --> 00:28:40,400
Speaker 4: will know exactly who they are.

639
00:28:41,680 --> 00:28:44,000
Speaker 2: That happened to me too, the very first time I

640
00:28:44,080 --> 00:28:46,640
Speaker 2: moved out of home. I lived in a share house

641
00:28:47,040 --> 00:28:50,120
Speaker 2: with my at the time partner and two other housemates.

642
00:28:50,160 --> 00:28:53,200
Speaker 2: They had the downstairs bedrooms. We had an upstairs bedroom

643
00:28:53,240 --> 00:28:55,840
Speaker 2: that we shared. And at the time, because it was

644
00:28:55,840 --> 00:28:57,880
Speaker 2: like first time moving out, I would go home on

645
00:28:57,920 --> 00:29:00,840
Speaker 2: the weekends, as would my partner because I still worked

646
00:29:00,880 --> 00:29:04,560
Speaker 2: weekends like in retail and in hospitality back down the peninsula,

647
00:29:04,680 --> 00:29:07,240
Speaker 2: right So on a like Friday avot, I'd head back

648
00:29:07,280 --> 00:29:09,400
Speaker 2: down and sometimes I wouldn't even come back, depending on

649
00:29:09,440 --> 00:29:12,120
Speaker 2: when UNI was until like a Monday night or something.

650
00:29:12,120 --> 00:29:14,440
Speaker 2: So I'd just like spend time with my parents. And

651
00:29:14,520 --> 00:29:16,320
Speaker 2: I had no idea this had been going on for

652
00:29:16,360 --> 00:29:21,000
Speaker 2: like six months. My housemate downstairs had decided, well, it's

653
00:29:21,000 --> 00:29:23,360
Speaker 2: a free room over the weekend. She'd just let her

654
00:29:23,440 --> 00:29:26,680
Speaker 2: friends stay. No when they went out on like a

655
00:29:26,720 --> 00:29:30,160
Speaker 2: Saturday night or a Friday night, because I wasn't there, no,

656
00:29:30,560 --> 00:29:33,880
Speaker 2: and like I hadn't noticed. I feel like some things

657
00:29:33,880 --> 00:29:35,560
Speaker 2: were there, But you know when you live with a partner,

658
00:29:35,800 --> 00:29:38,200
Speaker 2: like maybe he moved to the pillows, like you just

659
00:29:38,240 --> 00:29:40,320
Speaker 2: don't think about it twice, Like it's not like it

660
00:29:40,360 --> 00:29:42,760
Speaker 2: was my own room where if I put something down

661
00:29:42,800 --> 00:29:45,480
Speaker 2: it shouldn't have moved, Like, you know, if I had

662
00:29:45,480 --> 00:29:48,400
Speaker 2: a tea cup beside the bed, maybe I my partner

663
00:29:48,440 --> 00:29:50,640
Speaker 2: put in a dishwasher or vice versa. Maybe the tea

664
00:29:50,680 --> 00:29:53,520
Speaker 2: cup beside the bed was from my partner, didn't think

665
00:29:53,560 --> 00:29:58,040
Speaker 2: it turns out no housemate, which I've told you about. Ah,

666
00:29:58,080 --> 00:30:02,800
Speaker 2: this one Steeler. Yep, she stole my underwear and also

667
00:30:03,280 --> 00:30:05,600
Speaker 2: shout out to her. She's the one that emptied my

668
00:30:05,720 --> 00:30:09,160
Speaker 2: freezer for me when I was eating it. Yeah, so yeah,

669
00:30:09,160 --> 00:30:11,400
Speaker 2: she was a delight to live with. Whoever lives with

670
00:30:11,440 --> 00:30:13,800
Speaker 2: her now, best of luck, maybe you'll devera bee in

671
00:30:13,800 --> 00:30:16,920
Speaker 2: your favor. But yeah, it was a very awkward experience

672
00:30:16,960 --> 00:30:20,920
Speaker 2: because they didn't even wash the sheets back. They would

673
00:30:20,960 --> 00:30:23,680
Speaker 2: just like crash in my bed when they came home

674
00:30:23,720 --> 00:30:26,320
Speaker 2: at three am and obviously leave the next morning, like

675
00:30:26,360 --> 00:30:30,360
Speaker 2: straighten up the sheets and call it a own file. Yeah,

676
00:30:30,520 --> 00:30:33,600
Speaker 2: so it'sorry not okay. I feel like it was an

677
00:30:33,640 --> 00:30:37,960
Speaker 2: invasion of my privacy. Yeah, totally. It just feels weird. Yeah,

678
00:30:38,000 --> 00:30:40,000
Speaker 2: it feels weird. All my stuff's in there, Like if

679
00:30:40,000 --> 00:30:42,200
Speaker 2: you open my bedside drawer, you might find my stash

680
00:30:42,240 --> 00:30:45,040
Speaker 2: of sour lullies, you know, like I just you will

681
00:30:45,040 --> 00:30:46,320
Speaker 2: find much worse in my room.

682
00:30:47,440 --> 00:30:51,880
Speaker 4: Yeah, you'll find a vape, find many many vapes, but.

683
00:30:51,920 --> 00:30:54,080
Speaker 2: It's one of those things that you just like, I

684
00:30:54,080 --> 00:30:57,560
Speaker 2: don't feel that comfortable with sure people coming in my space,

685
00:30:57,680 --> 00:31:01,120
Speaker 2: especially when it's unplanned, because like, I don't know about you, Beck,

686
00:31:01,280 --> 00:31:03,320
Speaker 2: but if you were coming to stay at my house

687
00:31:03,760 --> 00:31:06,120
Speaker 2: and you were going to like sleep in my bed

688
00:31:06,160 --> 00:31:08,960
Speaker 2: because I wasn't there, I'd like change the sheets for you.

689
00:31:09,120 --> 00:31:11,160
Speaker 2: I would like, you know, probably tidy it up a bit,

690
00:31:11,360 --> 00:31:13,080
Speaker 2: like move some stuff around the beds I take. Do

691
00:31:13,120 --> 00:31:15,160
Speaker 2: you know what I mean? Make me me more comfortable

692
00:31:15,200 --> 00:31:17,800
Speaker 2: that you're coming into my space? Totally a bit weird.

693
00:31:18,000 --> 00:31:21,080
Speaker 4: Yeah, it feels weird, But the real question is it's

694
00:31:21,080 --> 00:31:23,200
Speaker 4: weird or not. Basically, your feelings are valid.

695
00:31:23,280 --> 00:31:25,600
Speaker 2: This is very I don't that your housemate's gas like

696
00:31:25,840 --> 00:31:29,600
Speaker 2: exactly right. So the real question was do you think

697
00:31:29,640 --> 00:31:31,520
Speaker 2: I have a right to ask for some rent or

698
00:31:31,560 --> 00:31:33,800
Speaker 2: build money back or do I just drop it back?

699
00:31:34,240 --> 00:31:38,200
Speaker 4: You have every right, But would I try to do that?

700
00:31:38,880 --> 00:31:39,560
Speaker 2: I wouldn't.

701
00:31:39,680 --> 00:31:41,360
Speaker 4: I guess I would be like I already feel like

702
00:31:41,360 --> 00:31:44,800
Speaker 4: an outsider, unless you're you're thinking of leaving anyway because

703
00:31:44,800 --> 00:31:47,600
Speaker 4: of what's happened. If you are, then like, sure, maybe

704
00:31:47,600 --> 00:31:49,800
Speaker 4: give it a go. But if you're not and your

705
00:31:49,800 --> 00:31:51,920
Speaker 4: plan on staying there, it's already kind of like ah,

706
00:31:52,040 --> 00:31:56,200
Speaker 4: these people, these two people against me, they don't think

707
00:31:56,360 --> 00:31:58,800
Speaker 4: they did the wrong thing. Yeah, Now I'm going to

708
00:31:58,920 --> 00:32:01,600
Speaker 4: also be asking for rent money in electricity and bill

709
00:32:01,560 --> 00:32:01,880
Speaker 4: or whatever.

710
00:32:01,960 --> 00:32:03,960
Speaker 2: So it's going to become a fight because that person

711
00:32:04,080 --> 00:32:07,720
Speaker 2: doesn't maybe hasn't even budgeted for that either. You're asking

712
00:32:07,720 --> 00:32:09,920
Speaker 2: for money that they haven't allocated. It's just a bit

713
00:32:09,920 --> 00:32:13,400
Speaker 2: of a mess from my perspectively. But does that mean

714
00:32:13,400 --> 00:32:16,880
Speaker 2: you drop it? No? No, No, I would be going

715
00:32:16,920 --> 00:32:19,920
Speaker 2: and setting some very clear boundaries that your room is

716
00:32:19,960 --> 00:32:22,680
Speaker 2: not a shared space and that it is yours. If

717
00:32:22,680 --> 00:32:24,200
Speaker 2: you want to be real dramatic, you who put a

718
00:32:24,200 --> 00:32:27,560
Speaker 2: lock on real room do it because it's so it's

719
00:32:28,000 --> 00:32:29,720
Speaker 2: a violation of your it's a violation.

720
00:32:29,800 --> 00:32:32,440
Speaker 4: And now you're in this uncomfortable situation where you have

721
00:32:32,520 --> 00:32:35,760
Speaker 4: to tell people very very basic, normal things. It's like

722
00:32:35,800 --> 00:32:37,520
Speaker 4: being like, I don't know, I can't think of a

723
00:32:37,560 --> 00:32:39,959
Speaker 4: single thing that would like why would you even have

724
00:32:40,000 --> 00:32:40,800
Speaker 4: to have this conversation?

725
00:32:40,880 --> 00:32:43,880
Speaker 2: But you do, like it's not their space to share,

726
00:32:43,960 --> 00:32:46,360
Speaker 2: that's not a shared space in the house. Like, if

727
00:32:46,360 --> 00:32:49,080
Speaker 2: you're away for the weekend, Beck, I can't just turn

728
00:32:49,160 --> 00:32:52,000
Speaker 2: up to your house because it's convenient to sleep there

729
00:32:52,040 --> 00:32:54,760
Speaker 2: without your permission and just go in, Like why would

730
00:32:54,840 --> 00:32:58,480
Speaker 2: that be in that circumstance. From my perspective, it's exactly

731
00:32:58,520 --> 00:33:01,520
Speaker 2: the same, Like that is my personal space that I

732
00:33:01,640 --> 00:33:04,880
Speaker 2: own and I pay for. You can't just walk in

733
00:33:04,920 --> 00:33:07,760
Speaker 2: there willing nelly. Same with your house. I can't just

734
00:33:07,800 --> 00:33:09,400
Speaker 2: walk into your house. What makes you think that you

735
00:33:09,400 --> 00:33:11,320
Speaker 2: can walk into my room in the same way when

736
00:33:12,040 --> 00:33:15,640
Speaker 2: you're a housemate. You're not my partner. Weird, weird, weird,

737
00:33:15,680 --> 00:33:16,160
Speaker 2: weird weird.

738
00:33:16,560 --> 00:33:18,400
Speaker 4: But not to say that you don't deserve that money,

739
00:33:18,440 --> 00:33:20,959
Speaker 4: because you do and you probably are owed it.

740
00:33:21,160 --> 00:33:24,320
Speaker 2: Yeah, we did ask the community what do they say?

741
00:33:24,400 --> 00:33:26,520
Speaker 2: We said, would you be upset if you were this person?

742
00:33:26,960 --> 00:33:29,800
Speaker 2: Eighty eight percent said yeah, I'd be very angry and

743
00:33:29,880 --> 00:33:34,040
Speaker 2: very disappointed. Twelve percent of you can't relate, you said,

744
00:33:34,280 --> 00:33:37,520
Speaker 2: wouldn't bother me that much? Couple of chillis must be nice.

745
00:33:37,840 --> 00:33:39,959
Speaker 2: The next question we asked was do you think this

746
00:33:40,000 --> 00:33:42,120
Speaker 2: person has the right to ask for some money back?

747
00:33:42,600 --> 00:33:46,920
Speaker 2: Seventy nine percent of people said yes, okay. We said,

748
00:33:46,960 --> 00:33:50,200
Speaker 2: if yes, who do you think should be paying them back?

749
00:33:51,120 --> 00:33:54,400
Speaker 2: Sixty five percent of you said the housemates. Yeah, I'm

750
00:33:54,400 --> 00:33:57,520
Speaker 2: not a friend because the friend. I don't know what

751
00:33:57,640 --> 00:34:00,480
Speaker 2: if the friend was told yeah, it's fine exactly, Beck

752
00:34:00,520 --> 00:34:02,920
Speaker 2: said it was fine, and then they're fine with that,

753
00:34:03,120 --> 00:34:05,040
Speaker 2: Yeah exactly. I would say it's not on them. Person

754
00:34:05,120 --> 00:34:06,080
Speaker 2: staying had no idea.

755
00:34:06,200 --> 00:34:06,400
Speaker 6: Yeah.

756
00:34:06,440 --> 00:34:09,080
Speaker 2: We then also asked you, what are your two cents?

757
00:34:09,120 --> 00:34:10,520
Speaker 2: We need to know because Beck and I were a

758
00:34:10,520 --> 00:34:13,879
Speaker 2: bit opinionated on this, so let's hopefully balance it out.

759
00:34:13,960 --> 00:34:14,160
Speaker 3: Yeah.

760
00:34:14,239 --> 00:34:19,040
Speaker 2: Someone said inconsiderate, selfish. Oh my goodness, I would never

761
00:34:19,160 --> 00:34:22,960
Speaker 2: use this. Someone said these people are not your friends.

762
00:34:23,080 --> 00:34:25,560
Speaker 2: See if you can move out. Someone said, more than

763
00:34:25,560 --> 00:34:27,880
Speaker 2: the money, it tells us that they don't respect your

764
00:34:27,920 --> 00:34:31,839
Speaker 2: space or your privacy. Yeah. Absolutely rank. Could they let

765
00:34:31,880 --> 00:34:36,960
Speaker 2: somebody else sleep in your bed with like fifteen exclamation points? Ah?

766
00:34:37,080 --> 00:34:40,760
Speaker 2: Someone says, honestly, it's the fact they used your room.

767
00:34:41,200 --> 00:34:44,480
Speaker 2: I'd feel like my personal space had been invaded. Someone

768
00:34:44,480 --> 00:34:46,680
Speaker 2: said it's not cool, but is it worth having a

769
00:34:46,760 --> 00:34:49,960
Speaker 2: rocky housemate relationship when you ask for money? Yes, which

770
00:34:50,000 --> 00:34:52,640
Speaker 2: I think is a very valid point. I think that's

771
00:34:52,680 --> 00:34:55,560
Speaker 2: where probably we are more so. Yeah, a lot of people,

772
00:34:55,800 --> 00:34:57,960
Speaker 2: you know, there's heaps of comments. Basically, they're like, they

773
00:34:58,000 --> 00:35:00,600
Speaker 2: absolutely should have asked, they should have you know, gone

774
00:35:00,600 --> 00:35:03,440
Speaker 2: above and beyond. There were lots of people saying, look,

775
00:35:03,600 --> 00:35:06,239
Speaker 2: I would be absolutely ropable, but i'd be ropable at

776
00:35:06,239 --> 00:35:09,279
Speaker 2: my housemate's not the person that stayed over. And yes,

777
00:35:09,360 --> 00:35:11,960
Speaker 2: someone said, well it was three nights a week or

778
00:35:12,000 --> 00:35:14,840
Speaker 2: was it a casual sleepover. It's a very fine line.

779
00:35:16,440 --> 00:35:19,320
Speaker 2: I still think it's a bit ick. But yes, I

780
00:35:19,320 --> 00:35:21,040
Speaker 2: don't know about you, but I do feel a lot

781
00:35:21,080 --> 00:35:24,719
Speaker 2: better about a once off situation. Yeah, three nights a

782
00:35:24,760 --> 00:35:27,960
Speaker 2: week fine, But like, oh, Beck, I'm so sorry when

783
00:35:27,960 --> 00:35:31,920
Speaker 2: you're away. Jess, who's now sick, she stayed over because

784
00:35:31,960 --> 00:35:33,600
Speaker 2: she drunk a bit too much to drive and I

785
00:35:33,680 --> 00:35:35,799
Speaker 2: just said, look, it's a bit late, but crash in

786
00:35:35,840 --> 00:35:37,759
Speaker 2: Beck's beds. She won't mind. I've cleaned all your sheets,

787
00:35:37,800 --> 00:35:40,160
Speaker 2: I've done everything. I hope that's okay to me. That's

788
00:35:40,200 --> 00:35:44,279
Speaker 2: a different situation because that's about personal safety than I

789
00:35:44,320 --> 00:35:46,799
Speaker 2: don't know, I feel like the intension behind it. I

790
00:35:46,800 --> 00:35:49,399
Speaker 2: feel three nights a week for the entire time you're

791
00:35:49,440 --> 00:35:51,040
Speaker 2: away was on purpose.

792
00:35:51,200 --> 00:35:53,279
Speaker 4: Yeah, it's very much like, hey, this room's free now.

793
00:35:53,280 --> 00:35:55,359
Speaker 4: It is literally anyone's you know what I mean.

794
00:35:55,560 --> 00:35:58,000
Speaker 2: Yeah, Whereas like, oh, hey, you know, someone had a

795
00:35:58,000 --> 00:35:59,640
Speaker 2: bit too much to drink. I told them to sleep

796
00:35:59,640 --> 00:36:01,839
Speaker 2: in your because it was just not okay for them

797
00:36:01,880 --> 00:36:04,759
Speaker 2: to go home. Like yeah, that's actually really responsible And yeah,

798
00:36:04,760 --> 00:36:06,840
Speaker 2: I don't know, I feel like intention comes into it

799
00:36:06,840 --> 00:36:10,359
Speaker 2: all totally, totally, I would agree with that. All right, Well,

800
00:36:10,400 --> 00:36:11,560
Speaker 2: I think that's all we have time.

801
00:36:11,760 --> 00:36:14,279
Speaker 4: Yeah, that's a good place to leave it. But best

802
00:36:14,320 --> 00:36:16,240
Speaker 4: of luck and keep us posted.

803
00:36:16,560 --> 00:36:19,239
Speaker 2: Yeah, I'm going to post a picture of my bedside

804
00:36:19,320 --> 00:36:23,000
Speaker 2: draw on Instagram today actually to show you that I do,

805
00:36:23,120 --> 00:36:26,080
Speaker 2: in fact have a draw full of sour lollies. I

806
00:36:26,200 --> 00:36:29,640
Speaker 2: wasn't joking, that wasn't innuendo. So head over to my

807
00:36:29,719 --> 00:36:32,200
Speaker 2: Instagram and I will show you that. But otherwise, have

808
00:36:32,239 --> 00:36:33,960
Speaker 2: the best weekend and we'll see you one Monday for

809
00:36:34,000 --> 00:36:35,600
Speaker 2: a money diary. Bye, guys.

810
00:36:42,160 --> 00:36:44,720
Speaker 5: The advice sheared on She's on the Money is general

811
00:36:44,760 --> 00:36:48,600
Speaker 5: in nature and does not consider your individual circumstances. She's

812
00:36:48,680 --> 00:36:52,120
Speaker 5: on the Money exists purely for educational purposes and should

813
00:36:52,160 --> 00:36:55,320
Speaker 5: not be relied upon to make an investment or financial decision.

814
00:36:55,719 --> 00:36:57,960
Speaker 2: If you do choose to buy a financial.

815
00:36:57,520 --> 00:37:01,520
Speaker 5: Product, read the PDS TMD and obtain inappropriate financial.

816
00:37:01,080 --> 00:37:02,880
Speaker 2: Advice tailored towards your needs.

817
00:37:03,239 --> 00:37:07,200
Speaker 5: Victoria, Divine and She's on the Money are authorized representatives

818
00:37:07,200 --> 00:37:09,600
Speaker 5: of money sherper P, T y L t D A

819
00:37:09,719 --> 00:37:12,640
Speaker 5: b N three two one six four nine two seven

820
00:37:12,719 --> 00:37:16,239
Speaker 5: seven zero eight afs L four five one two eight

821
00:37:16,360 --> 00:37:17,360
Speaker 5: nine