Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order KERNI Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 4: Hello, and welcome to She's on the Money, the podcast
Speaker 4: for millennials who want financial freedom. Today, my friends, is Friday,
Speaker 4: which means we usually get the team together, but Jess
Speaker 4: is sick, so Beck, it's you and me today.
Speaker 5: I'm okay with that look.
Speaker 4: I think it's gonna be fine. I don't awful do
Speaker 4: the episode justice because Jess always keeps us on track
Speaker 4: and we're the rogue ones.
Speaker 2: I'm going to miss a.
Speaker 4: What's this going to be called? The B in B
Speaker 4: VB the VB episode? Yeah, all right, So this week,
Speaker 4: as always, we're going to be sharing our favorite money wins,
Speaker 4: which I get the privilege of doing. We're going to
Speaker 4: be talking broke tips. Beck said something about a banana before.
Speaker 4: I'm sure it's a secret. Okay, sorry. We're also going
Speaker 4: to be answering a juicy money dilemma, which this week
Speaker 4: is all about what to prioritize when returning from maternity leave.
Speaker 4: And we're going to be unpacking something that you slid
Speaker 4: into our DMS about which this week, Beck, we're going
Speaker 4: to be talking about a topic that he gives me
Speaker 4: the ig. Yeah, housemates who let their friends use your
Speaker 4: room when you're on Oh, oh my god, it's gonna
Speaker 4: be a little bit gross. But this first things first,
Speaker 4: my love, how was your week?
Speaker 5: My week was really good. I went to Actually it's
Speaker 5: a four. It's been a full week. I feel rejuvenated,
Speaker 5: I feel great. I feel like it's been a good week.
Speaker 5: It's been a really really good week. So a lot
Speaker 5: of friends and did a lot of things and did
Speaker 5: a lot of chores and that's really exciting.
Speaker 4: Yeah, it's very fun, not just working my life away.
Speaker 4: I am halfway through not recording, but scripting up and
Speaker 4: like doing all the research, which always takes me the
Speaker 4: longest of our investing masterclass. It's is coming out soon. Yeah,
Speaker 4: I'm really excited about it. I asked a question in
Speaker 4: the Facebook group the other day and I was just like, hey, guys,
Speaker 4: like I'm putting these together, Like what do you need
Speaker 4: to know? Because obviously I've already done so much research.
Speaker 4: I've written a book on investing, but I just want
Speaker 4: to jam pack so much more into it. Like I
Speaker 4: genuinely think that maybe like ten percent of what I
Speaker 4: talk about in the course is like in the book. Right,
Speaker 4: It's like just gone real rogue like because it's my
Speaker 4: course and I don't have a producer or an editor
Speaker 4: in the same way that I had a book. I'm like, well,
Speaker 4: that's staying in. That's staying in. I'm the boss here.
Speaker 4: So yeah. I asked the group what you guys want,
Speaker 4: and I was like, hey, what can I include? And
Speaker 4: there were just so many good suggestions. So I went
Speaker 4: back to the drawing board and I like, redid my skeleton.
Speaker 4: And we're halfway there, which means I'm recording it soon,
Speaker 4: which means it will launch soon. And I'm very excited
Speaker 4: about it. That's lost. So maybe nobody else cares about
Speaker 4: an investing master class. I do because I think it's
Speaker 4: gonna be lit. So that's mainly what I have done
Speaker 4: literally a week.
Speaker 2: Wow.
Speaker 4: Wow, I get like hyper fixated on something. Yeah, so
Speaker 4: like I've been doing it. Not that you should brag
Speaker 4: about how many hours you're putting in, but like I'm
Speaker 4: like up to like ten eleven every night doing this,
Speaker 4: like on the couch. Sure, just because I'm just so excited.
Speaker 4: I'm like, oh yep. And then like I just keep
Speaker 4: typing and my husband's like, I'll just play video games
Speaker 4: this week.
Speaker 2: I guess that is very exciting me.
Speaker 5: You're a very hard worker and I'm very very impressed
Speaker 5: by everything you do.
Speaker 4: Yeah, I don't even know if it's hard work. I've
Speaker 4: just got a hyperfixation at the moment. So that's a symptom, right,
Speaker 4: you know what. We'll just Yeah, it's definitely an ADHD scotcha.
Speaker 4: I'm definitely hyper excited on it. So we're definitely not
Speaker 4: going to be putting the same hours in moving forward.
Speaker 4: But like you get what you get and you don't
Speaker 4: get up exactly all right. So this is where I
Speaker 4: usually would hand over to our friend Jessica and be like, Hey,
Speaker 4: what community money wins have you got this week? Beck,
Speaker 4: She's not here? No, so do we just skip? Absolutely?
Speaker 4: I've got them. Are you ready?
Speaker 2: I'm ready.
Speaker 4: I've rounded up my favorites. Okay, first things first, Rosalie,
Speaker 4: She says, money loss. I bought a ten pack of
Speaker 4: nuggets and they only had nine in there.
Speaker 5: Oh, it's usually the other way around. You usually get
Speaker 5: a few more, you don't usually get less.
Speaker 4: Yeah, that's really rude. That's really rude. I'd be salty
Speaker 4: about that too. We've got a money win from Katie,
Speaker 4: who's new to our community. Hi Katie, she says, I
Speaker 4: have three kids, and I used our separate door dash
Speaker 4: accounts and I used the one dollar deal promotion for
Speaker 4: an easy Sunday night takeaway dinner. Four burghers and chips
Speaker 4: cost me four bucks.
Speaker 5: No way, is that a good money way? Very sick.
Speaker 5: Maybe we'll tal about this off, Mike, but I really
Speaker 5: want to know how.
Speaker 4: So door Dash had a promotion recently, spob, I don't know,
Speaker 4: we can google it, but they had a promotion recently
Speaker 4: where one item from like random menus, so it would
Speaker 4: depend on what area you were in. But like some
Speaker 4: burger places were like, okay, we'll out chicken burger today
Speaker 4: is a dollar and so she clearly has hacked it.
Speaker 4: So four burgos four bucks. You can't even make that
Speaker 4: a year.
Speaker 5: That seriously, that's so good.
Speaker 4: And chips and jip chippies these days as an add
Speaker 4: on spenot they're like seven dollars fifty at a minuet.
Speaker 5: Now, what the heck is that star?
Speaker 4: Just see potato.
Speaker 2: Still going to do it, yeah, still going to do
Speaker 2: it for sure.
Speaker 4: All right, we've got a money win from Charlotte, she said.
Speaker 4: I don't usually share, but I really have to. We
Speaker 4: direct debit weekly to our gas and electricity account, a
Speaker 4: bit more expensive than required to cover any unexpected laid bills.
Speaker 4: We recently moved house and turns out we were eight
Speaker 4: hundred dollars in credit. Whoa. We've been refunded the money
Speaker 4: and we're hoping to repurpose that money on some fun
Speaker 4: projects on the new house we didn't even think we
Speaker 4: could fund straight away.
Speaker 5: That is so same win.
Speaker 4: I love this. I have a couple more. Do you
Speaker 4: want me to keep going?
Speaker 5: Please? Yes?
Speaker 4: This one's from Hugh. Hugh says money win a month ago,
Speaker 4: I changed my SIM card plan from Optis to a Masim,
Speaker 4: which saves me twenty dollars a month. Since then, Optis
Speaker 4: contacted me with a different offer. They offered me the
Speaker 4: same price with more data. I thought that was pretty good.
Speaker 4: Then today a Masim was like, hey, we'll give you
Speaker 4: ten dollars less, so obviously I said yes. And it's
Speaker 4: a fifty percent discount on what I should be paying.
Speaker 2: Wow, that's good money.
Speaker 4: When I literally love when people hustle yes and to
Speaker 4: like negotiate a phone bill. Do you know these days
Speaker 4: you can basically just go online and talk to the
Speaker 4: online chat function. You don't even have to pick up
Speaker 4: the phone, which is what I think is most of
Speaker 4: our community a bit of anxiety. It gives me anxiety,
Speaker 4: like picking up the phone and having to be like,
Speaker 4: can I have a better deal, Like just get on
Speaker 4: the chat function? But it can be a keyboard warrior
Speaker 4: in that way.
Speaker 5: Oh my gosh, it's so much better.
Speaker 4: I've got two more. This one's from Renee. Renee says
Speaker 4: money win. I worked three out of four days from
Speaker 4: home last week, which meant no using petrol, and I
Speaker 4: saved forty five dollars worth of pucking. And I also
Speaker 4: didn't spend any money on coffees or juices that I
Speaker 4: will usually purchase while I'm at work.
Speaker 5: How could's that? That's probably I don't know, one hundred bucks.
Speaker 4: I feel like it's a lot of money. A lot
Speaker 4: of money because like what's your coffee cost a day?
Speaker 4: Like six bucks or something? To school stim, I know
Speaker 4: the school.
Speaker 5: Stick, Like you know, three or four a day?
Speaker 4: You serious?
Speaker 5: I really have yet three or four a day? It
Speaker 5: depends what week we are in the page cycle.
Speaker 4: You go down to the cafe three or four times
Speaker 4: a day?
Speaker 5: Yeah, sometimes just to have a chat. But then I'll
Speaker 5: also get a coffee for.
Speaker 1: Do you know.
Speaker 4: I don't know how to tell you. They're scared we
Speaker 4: have free coffee in the office.
Speaker 5: Instant coffee, babe, I'm not having instant coffee.
Speaker 2: I don't know how to make that.
Speaker 4: I will teach you how to make that, okay. But
Speaker 4: also you can have like one a day. I'm not
Speaker 4: trying to budget for you.
Speaker 5: But like three or four that is probably where all
Speaker 5: my money goes. Yeah, exactly, that would be twenty four
Speaker 5: times five. Oh, I just truly calculated it now.
Speaker 4: So three or four do you want to go based
Speaker 4: on three or based on we're going to go three.
Speaker 4: And you said that was six bucks each. You're spending
Speaker 4: eighteen dollars a day, and if you come to work
Speaker 4: every single day, that's ninety dollars a week, not even
Speaker 4: including your weekend coffee. Your work coffees are costing that.
Speaker 4: You know, let's be conservative, you get four weeks leave
Speaker 4: a year. Obviously, we're not kept factoring in those coffees.
Speaker 4: So instead of doing fifty what fifty two weeks in year,
Speaker 4: forty eight weeks in a year, four thousand, three hundred
Speaker 4: and twenty dollars back, you're spending on coffee at work. Wow,
Speaker 4: honestly at work.
Speaker 5: To be honest, I probably now you're going to say
Speaker 5: you didn't do it. No, No, I was going to say,
Speaker 5: I may maybe even drink more on the weekend.
Speaker 4: You like, even more on the weekend. That was just
Speaker 4: like corporate coffees exactly.
Speaker 5: I'm very, very modest when I'm in the office, but
Speaker 5: when it's the weekend, I'm having five or six.
Speaker 4: Oh my gosh, how do we function if you don't
Speaker 4: have coffee?
Speaker 2: No, it doesn't really hit me that much.
Speaker 4: I'm like a two coffee. Wonder Like, if I've had
Speaker 4: two coffees, I'm picking off the walls and usually I
Speaker 4: am already. But like, if you offer me another coffee,
Speaker 4: I have to be like no, because I'll start shaking.
Speaker 5: Oh you're one of those people that kind of tea
Speaker 5: after two PM or something.
Speaker 4: Oh no, I can have tea. I can have so
Speaker 4: many tea's, but I definitely can't have more coffees.
Speaker 5: Right, Okay, gotcha, gotcha coffee.
Speaker 4: Inside Tira massue. Different story though, of course, Yeah, of
Speaker 4: course that's very different. All right, I have one more
Speaker 4: money win to share with you. This one is from
Speaker 4: Amy and you know what, fifty six people liked this
Speaker 4: money in. Oh it's a bit long, so sit down.
Speaker 4: So she says, money in used what was in the pantry,
Speaker 4: and our grocery shop only cost us seventy five dollars
Speaker 4: last week, half the normal budget, including all the fun
Speaker 4: things we bought because it was a small shop. She says, Also,
Speaker 4: I want to share not my money in, but I
Speaker 4: also hear pressure to friend's husband into creating a savings
Speaker 4: account this weekend. He has tens of thousands of dollars
Speaker 4: just sitting in his transaction account. He moved pretty quick
Speaker 4: once I told him how much interest we were making
Speaker 4: with the same bank. I won't hear pressure my friends
Speaker 4: into drinking or taking drugs, but you best believe I
Speaker 4: will be peer pressuring them into a better financial situation.
Speaker 2: Sounds like a very good friend.
Speaker 4: What a queen. I love queen.
Speaker 5: I love that.
Speaker 4: I feel like that's me on the weekends. Like me offline,
Speaker 4: I'm always like, what are you doing with that money?
Speaker 4: Where you're gonna where you're gonna put him? How do
Speaker 4: I help you? Do you want to do a budget together?
Speaker 4: Do you want to hang out and sit down and
Speaker 4: do a budget? And you're like, do you really want
Speaker 4: to do that?
Speaker 5: Yes, that's true. If anyone listening, if you're wondering what
Speaker 5: V's like off Mike, it is exactly the same.
Speaker 4: About budgeting.
Speaker 5: She is exactly the same. And sometimes I might be like,
Speaker 5: let's go watch a movie, but maybe you instead want
Speaker 5: the budget. Yeah, exactly, exactly.
Speaker 4: Only financial movie is Please Street financial documentary, So financial documentary?
Speaker 3: Yeah?
Speaker 4: All right, all right, right, let's move on because I
Speaker 4: have heard that there's a banana involved in your broke
Speaker 4: tips and I just cannot work out how or why?
Speaker 4: So could you please elaborate, my friend, what if you
Speaker 4: got this week?
Speaker 5: Of course this would have looked so funny because our
Speaker 5: producer kindly printed this off for me today. She definitely
Speaker 5: didn't print all of the doodles all over that piece
Speaker 5: of paper.
Speaker 4: You've absolutely ruined it.
Speaker 2: For everyone listening. I don't know. Once I have a
Speaker 2: pen in hand, I can't help myself, but I must.
Speaker 4: Yeah, we had to take it off you a couple
Speaker 4: of weeks ago because you had a permanent markroo and
Speaker 4: you were drawing on the table.
Speaker 5: But also, when you say doodles, it's not doodles. It's
Speaker 5: the old school version of a doodle, which is just
Speaker 5: literally drawing silly things.
Speaker 4: Went there except oh, okay, maybe literally just.
Speaker 5: Me ilsing him. There's not a single doodle on this paper.
Speaker 4: There are That whole paper is coveting doodles.
Speaker 2: Sorry, moving along, Moving along.
Speaker 5: Okay, So v my broke tips for this week, I
Speaker 5: as always have two from the community and one from
Speaker 5: my self. I will start with Cat. Cat sent me
Speaker 5: a broke tip. She said, if you download Woolys app
Speaker 5: and go to the half price section and you only
Speaker 5: eat what is half priced, that week, you'll save a
Speaker 5: lot of money.
Speaker 4: Wait, so you're saying there's a whole section, whole sections
Speaker 4: so I don't have to like flick through catalogs or
Speaker 4: like go through the aisles. If the supermarket work out
Speaker 4: what's half rice? The app tell you exactly. She's a genius.
Speaker 4: Thanks for that cat.
Speaker 5: Yes, isn't it? And to extend on that, she says
Speaker 5: that she works at Woolies only on a Sunday morning
Speaker 5: stay at her mum life so that she can keep
Speaker 5: her employee discounts, which is a great idea I guess
Speaker 5: doesn't maybe work for the general population, but also Sunday
Speaker 5: right at Sunday rates. She also says Woolies is fifteen
Speaker 5: dollars unlimited delivery a month. It costs about that much
Speaker 5: to drive to and from there every week because she
Speaker 5: lives about ten kilometers from a supermarket on the Sunshine Coast.
Speaker 4: Well, if it's fifteen bucks unlimited for a month, how
Speaker 4: many times do you go to the supermarket each month?
Speaker 1: Oh?
Speaker 2: Yeah, true?
Speaker 5: Maybe like me, maybe two or three times a month.
Speaker 5: But I think I feel like a lot of people
Speaker 5: would go more often.
Speaker 4: Yeah, but like even if you're going two or three times,
Speaker 4: like if you do public transport, what's a mikey these days?
Speaker 4: Like five bucks? Yeah, so that already covers your three trips. True,
Speaker 4: like car car insurance, petrol is so expensive fifteen bucks.
Speaker 4: And also what if you can just if it's unlimited,
Speaker 4: you could just jump online and be like I actually
Speaker 4: do want to top up with bread and milk and
Speaker 4: just the basics to come on Friday, and like it's
Speaker 4: not gonna cost you any more than what the bread
Speaker 4: and milk is gonna be.
Speaker 5: Yeah, that's so true.
Speaker 4: A bit of a money wins.
Speaker 5: It is a great idea. I like that turn out
Speaker 5: and if someone packs it for you and delivers to
Speaker 5: your do you don't have to do that thing where
Speaker 5: you're carrying like seven bags of growthery.
Speaker 4: That's what I do because you best believe I'm doing
Speaker 4: two trips. I'm not gone back. Sometimes I just leave
Speaker 4: stuff in my car for like an extended period of
Speaker 4: time because I'm like, well, I guess it lives there now.
Speaker 5: Me too, if it's not a perishable lives there now.
Speaker 5: It's gonna stay in my car until all of eternity.
Speaker 4: Its additional storage for my house.
Speaker 5: Yeah, it's like a ship exactly. Back of the car
Speaker 5: is a shd All right, what else have you got
Speaker 5: for me? Okay, so this one's from Caitlin. He sent
Speaker 5: me a video of a basically, it's a frugal man
Speaker 5: who peels bananas before weighing them to say money.
Speaker 4: No, he doesn't.
Speaker 5: I think it's so clever.
Speaker 4: What you think that's clever?
Speaker 5: Yeah, I mean, like if our producer said it's probably
Speaker 5: not legal, which fair enough.
Speaker 4: Sure, I don't think it's legal either, But like, also
Speaker 4: there's stingy. Then there's like real stingchy. It's like have
Speaker 4: you seen that frugal show, think it's on Netflix where
Speaker 4: that woman cooks her lazonia in the dishwasher.
Speaker 5: Oh, I've seen this in like salmon in foil in
Speaker 5: the dish washer. Yeah.
Speaker 4: And also there was that guy. I don't know. If
Speaker 4: it's involving money, I've watched it. If it's on Netflix.
Speaker 4: If it has anything to do with money, I've watched it.
Speaker 4: That guy. They have a spa out the back, but
Speaker 4: to justify the cost of the spa, they don't bath
Speaker 4: or shower. They just go in the spa and they
Speaker 4: also do all their washing in there.
Speaker 2: Oh no, yeah, I can see you make a tea
Speaker 2: in there?
Speaker 4: Absolutely absolutely not. I can't. I can't. Then there was
Speaker 4: like some dude who had heaps of money but lived
Speaker 4: in a house with absolutely no furniture, because he's like,
Speaker 4: why waste money on furniture when I can sit on
Speaker 4: the floor, And I'm like, it's a good point.
Speaker 5: It's yeah, that's a good point.
Speaker 4: Oh my gosh.
Speaker 5: This is unrelated and it's definitely not a money win.
Speaker 5: But the other day I couldn't be bothered going downstairs
Speaker 5: to make a tea, so I got my bottle of water,
Speaker 5: cold bottle of water, put it in a cup, and
Speaker 5: I used coffee cup and had a tea bag that
Speaker 5: was just sitting room and heated it by the radiant heat.
Speaker 4: Bad you do that the second you get to work though,
Speaker 4: you're like, four coffee is a day?
Speaker 5: Yeah, yeah, yeah, bro I decided, and all this energy
Speaker 5: comes over me and I can go downstairs and get
Speaker 5: a coffee. Those are our broke tips from our community
Speaker 5: in my community.
Speaker 1: Love.
Speaker 5: And actually I don't know if this is legal, but
Speaker 5: if you take the stem.
Speaker 4: Off broccoli, this is legal. I shouldn't.
Speaker 5: I shouldn't. Perhaps I should not be saying it if.
Speaker 5: I don't know, but if you take the stem off broccoli,
Speaker 5: that could be cheaper.
Speaker 2: I'm not sure.
Speaker 4: If it's bag, is that you're broke tea not allowed?
Speaker 4: I don't know. It's not that's not yours. That's just
Speaker 4: like off of chickens broke tip, you know what. I
Speaker 4: just feel like the stem is the best bit, so
Speaker 4: I get rid of it. Oh yeah, that makes sense
Speaker 4: in stir fries and stuff. I really like it. That's
Speaker 4: because I'm a bit weird. I cut it up and
Speaker 4: eat it while I'm cooking. Oh okay, I might try that.
Speaker 4: As I said, I'm a bit weird, but not weird.
Speaker 4: I want to know what's your broke tip?
Speaker 5: Yes, okay, so my broke tip for this week. I
Speaker 5: guess it's like, you know, it's a little bit of work,
Speaker 5: but if.
Speaker 2: You have the time.
Speaker 4: Bit of work, if you have the energy is the
Speaker 4: woman who made tea in her bedroom with an old
Speaker 4: tea bag exactly exactly.
Speaker 5: It's it's slightly less work than that. But I would
Speaker 5: say for myself personally, if I'm paying for a lot
Speaker 5: of things in a particular month or whatever, your pay
Speaker 5: cycle is, fortnightly whatever, If I know, if I predict
Speaker 5: that I'm going to run out of money quickly, and
Speaker 5: i have a few bills coming up, and I'm feeling
Speaker 5: super stressed out spending what I.
Speaker 4: Used to time at the cafe.
Speaker 5: Yeah, exactly what I used to do is I would
Speaker 5: just not pay the bills and then have people chasing
Speaker 5: me and feel extremely anxious.
Speaker 4: And terrible idea.
Speaker 5: It's a really bad idea. But honestly, what I have
Speaker 5: noticed in my adult life, and that's from twenty eight onward.
Speaker 5: If you call up places, let's say Linked for example,
Speaker 5: I always I'm always paying for tolls, you'll gas and electricity,
Speaker 5: if you have payments going on, I used to use
Speaker 5: hum anything like that. If you call them up, explain
Speaker 5: a situation. You can even do it on that little
Speaker 5: chatbot thing. As you were saying before, you will be
Speaker 5: able to either have an extension on a due date,
Speaker 5: or you'll be able to pay things off in smaller amounts.
Speaker 4: Just so good.
Speaker 5: Just try and put in the time set aside some time.
Speaker 5: If you're stressed about money, if you're stressed about bills
Speaker 5: that are coming out, about it, talk about it, because people,
Speaker 5: I'm sure companies would way rather you say I'm going
Speaker 5: to pay on this date or maybe than just like
Speaker 5: literally ghost and then they have to chase you.
Speaker 4: You know of them have hardship policies as well. Yes,
Speaker 4: so you reach out and be like, hey, I'm going
Speaker 4: through a bit of a rough patch. Often they'll be like, oh, Beck,
Speaker 4: we totally.
Speaker 5: Get it, exactly, here's some relief exactly. And they don't
Speaker 5: make you feel silly about it. You should not feel
Speaker 5: embarrassed about it. It's all good. Just consider that if
Speaker 5: you're going through a tough time and you have a
Speaker 5: lot of bills coming.
Speaker 4: I love it. So smart and a good reminder, especially
Speaker 4: right now now. Yes, all right, let's go to a
Speaker 4: really quick break on the flip side. We're going to
Speaker 4: be talking about what to prioritize when returning from maternity
Speaker 4: leave and the icky question of what do you do
Speaker 4: when your housemate lets their friends sleep in your bed
Speaker 4: when you're not there. Don't go anywhere, guys.
Speaker 2: Welcome back everyone. Let's have a listen to our money dilemma.
Speaker 4: Hi, there, have you got a money dilemma you just
Speaker 4: can't solve? The Sheese on the Money Team is here
Speaker 4: to help. Every week we tackle your dilemmas both big
Speaker 4: and small to answer your most burning money, career and
Speaker 4: life questions. To get involved, simply head to our website
Speaker 4: and leave us a short voice recording and you might
Speaker 4: just find yourself on the show. Now, let's take a
Speaker 4: listen to this week's money dilemma. Okay, a dilemma.
Speaker 6: I'm set to return back to work after my unpaid
Speaker 6: maternity leave next month. However, I was severely underpaid and
Speaker 6: only took that role because I was desperate.
Speaker 4: At the time. But all so, I simply just don't
Speaker 4: want to leave my son.
Speaker 6: I have been researching and wanting to start my own business,
Speaker 6: which will cost me thirty five thousand dollars. To start.
Speaker 6: This business is something I am passionate about, but will
Speaker 6: also allow me to stay at home with my son.
Speaker 6: I have a twenty five thousand dollar car loan which
Speaker 6: I pay five hundred dollars a month for, and I
Speaker 6: also only have forty thousand dollars in savings. My partner
Speaker 6: and I are also looking to buy a place.
Speaker 4: In the next two months with our money. But what
Speaker 4: do I do with money? Do I do with mine?
Speaker 6: Yeah?
Speaker 4: I think mine all right?
Speaker 1: Back?
Speaker 4: What did you do when you returned from mattleeth.
Speaker 5: What it did was I forgot that I had a baby.
Speaker 2: When I was listening to this.
Speaker 5: I was seeing you write things down, and I was
Speaker 5: really trying to think of something because I obviously this
Speaker 5: is very unrelatable to me. I'm so sorry. My advice
Speaker 5: is be kind to yourself and haven't I stay.
Speaker 4: And you lets it be thy fruit, the fruits. I
Speaker 4: love that I did write a few notes. I think
Speaker 4: this is such a sticky situation that a lot of
Speaker 4: new parents find themselves in.
Speaker 1: Right.
Speaker 4: Lots of people go on matt leave with every intention
Speaker 4: of returning, but don't know what it's like having a baby,
Speaker 4: and then once they do have a baby, they're like,
Speaker 4: I don't want to leave, like this is great, or
Speaker 4: I'm really enjoying my time off, or I want more.
Speaker 4: What I'm hearing from the start is I think there's
Speaker 4: two parts to this. Right, So you don't want to
Speaker 4: return to work, but you were very clear that you
Speaker 4: were severely underpaid in your current job. So it's quite
Speaker 4: clear that you don't feel respected, I would say, in
Speaker 4: that role and don't want to return to that. Whether
Speaker 4: you start a business or not, I think is a
Speaker 4: different conversation. But what you're saying. Let's pretend you didn't
Speaker 4: say that you want to start a business. What you're
Speaker 4: saying is these people don't respect you, they're underpaying you,
Speaker 4: and if you return to work, you probably need a
Speaker 4: new job. So that's all well and good. I would
Speaker 4: be having a pragmatic think about, Okay, well, if I
Speaker 4: don't return to that particular job, what are my options?
Speaker 4: Obviously a business is one of them. I think businesses
Speaker 4: are fantastic, as somebody who owns one. I adore the freedom,
Speaker 4: but it's also not that free.
Speaker 2: Right, so maybe it's a bit risky.
Speaker 4: Especially it could be really risky. It depends what it is.
Speaker 4: I always get, Beck, I get so nervous when people say,
Speaker 4: I know my business startup costs are going to be
Speaker 4: thirty five thousand dollars, Like I don't have nearly enough context.
Speaker 4: Like I don't know if you've gone and you know,
Speaker 4: created this big, beautiful spreadsheet and actually fully comprehend what
Speaker 4: it's going to cost, right, or has some multi level
Speaker 4: marketing company come along and said, hey, Beck, you can
Speaker 4: get started for thirty five grand I don't know if
Speaker 4: this is a good idea or not. Yeah, I can't
Speaker 4: tell you if starting a business is I don't even
Speaker 4: know what it is. What I can tell you is
Speaker 4: it's a lot more work than you think it is.
Speaker 4: And even if it enables you to be home with
Speaker 4: your son, that does not necessarily mean that you're home
Speaker 4: present with your son, true, and it could weigh a
Speaker 4: lot heavier on you. It's something that I think about
Speaker 4: a lot because I would love to start a family soon.
Speaker 4: But I also know that something's going to have to
Speaker 4: give for me to be a present parent rather than
Speaker 4: just one that's not there. And you know, I look
Speaker 4: at my friends, who you know, just have salary and
Speaker 4: wage journing jobs, and a few of them have returned
Speaker 4: part time, and I'm like, how cool would it be?
Speaker 4: And this is me not complaining. I adore the situation
Speaker 4: I'm in. How cool would it be to have a
Speaker 4: baby at home, go to work for my part time hours,
Speaker 4: come home and have not one thing to worry about. Yes,
Speaker 4: you don't have to worry about payroll, you don't have
Speaker 4: to worry about tax. You're not doing bass till all
Speaker 4: hours of the night. You're not you know, doing your
Speaker 4: bookkeeping or being stressed about paying creditors. Like there's so
Speaker 4: much benefit being a salary and wage earning employee that
Speaker 4: I just look at it and go, I get it.
Speaker 4: But we need to see both sides of the coin.
Speaker 4: I know being present for your son makes sense, but
Speaker 4: that the crux of it. What I'm hearing is you
Speaker 4: need to make an income. Yeah, so that outcome great,
Speaker 4: How are you going to do that in a way
Speaker 4: where you're still as present as you want to be
Speaker 4: Because being home is one thing, but being a present
Speaker 4: parent is another. And I think that those things need
Speaker 4: to come into consideration when thinking about having a family
Speaker 4: and thinking about, you know, what your post maternity leave
Speaker 4: life looks like, because right now I'm assuming these are
Speaker 4: all assumptions. Back, Yeah, you said you're on unpaid maternity leave.
Speaker 4: You don't have any responsibilities. Your responsibility is, you know,
Speaker 4: bringing up your child. They've got one hundred percent of
Speaker 4: your undivided attention. Starting a business is hard. The first
Speaker 4: five years are hard. Like this stuff is not easy,
Speaker 4: and I'm not trying to talk you out of it.
Speaker 4: I just want a balanced argument of Hey, is that
Speaker 4: actually the right decision for right now? I know lots
Speaker 4: of people who have started business as while on matt leave.
Speaker 4: Or with new babies, and they've been so successful and
Speaker 4: like it's the best decision they've ever made. But I
Speaker 4: think that there is a lot of benefit in stepping
Speaker 4: back and going like, all right, well, if you want
Speaker 4: to out of business, that's fantastic, But like, what are
Speaker 4: your motivations to do so? Because as I said before,
Speaker 4: this is personal opinion, there's a difference between being present
Speaker 4: and being present.
Speaker 2: Yes, that makes sense, So it completely makes sense.
Speaker 4: That would be my I guess take Obviously you've got
Speaker 4: a car loan and you've got some savings. I'd be
Speaker 4: looking at options to fund the business. Say you go
Speaker 4: down that route and you need to, you know, do
Speaker 4: the startup costs. There are a lot of costs that
Speaker 4: you can't get away with, like you have to pay immediately. Yeah,
Speaker 4: but what's this thirty five thousand dollars made up of?
Speaker 4: Like can you break it down? Like have you looked
Speaker 4: at other quotes? Let's say you've got a quote for
Speaker 4: marketing and branding and it was like sixteen thousand dollars,
Speaker 4: Like have you gotten a few other quotes? Is that
Speaker 4: actually the best use of your money? You know? What
Speaker 4: parts of this could you do yourself? Because they think
Speaker 4: that getting a business off the ground is one thing,
Speaker 4: and then rebranding it so it thrives is another. So
Speaker 4: I just think, how can we strip that thirty five
Speaker 4: thousand dollars back to the absolute bare minimum so that
Speaker 4: you can kind of go through that viability period and go,
Speaker 4: am I actually going to do this? Is this actually
Speaker 4: going to work for the least amount of money? And
Speaker 4: then go from there. The other thing, if you're saying
Speaker 4: we're planning on buying a house in a couple of weeks,
Speaker 4: I can almost guarantee that if you're working with a broker,
Speaker 4: that forty thousand dollars that you have in savings right
Speaker 4: now has been taken into consideration as an asset, and
Speaker 4: if you disposed of it, it would change how much
Speaker 4: the bank wants to lend you. So just be really
Speaker 4: careful and talk to a broker before you make a decision.
Speaker 4: I know a couple at Zella Money. Yes, you might
Speaker 4: know a couple. They're pretty good. Their boss is really nice.
Speaker 5: Fair ha, what's the boss's name again?
Speaker 4: Oh, don't even worry about it. It's not important, all right,
Speaker 4: Let's move on to the spicy conversation. Is it spicy.
Speaker 5: I don't know if it's spicy or just gives me
Speaker 5: the I think it might be because I've got a
Speaker 5: story and maybe you've probably got a story.
Speaker 4: That's oh my gosh, I had the exact same story
Speaker 4: and it's this is I guess why it gives me
Speaker 4: the hebgb's that makes me goes, oh, don't do that.
Speaker 5: I love it.
Speaker 4: Are you ready?
Speaker 5: I'm ready, I'm so ready.
Speaker 4: All right here it is. This is what slid into
Speaker 4: our DMS this week. Hey, ladies could really use some advice.
Speaker 4: I've been traveling overseas for two months. Whilst I was away,
Speaker 4: I continued to pay my rent and bills towards the house.
Speaker 4: I recently got home to find out that my two
Speaker 4: housemates essentially let their friends crash at our place when
Speaker 4: I was away. Whilst they didn't quote move in, they
Speaker 4: were sleeping at our place in my bedroom at a
Speaker 4: minimum of three times a week, use the hot water,
Speaker 4: use the electricity, and basically were me. I'm so annoyed
Speaker 4: by this. I lowkey feel that this person should have
Speaker 4: been paying my rent if they wanted to use my room,
Speaker 4: or even just some of the bills if they were
Speaker 4: sleeping in my bed multiple times a week. My housemates
Speaker 4: naively think that they did nothing wrong and that it's
Speaker 4: okay because they washed my sheets and cleaned my room,
Speaker 4: So what's the big deal. They say that the person
Speaker 4: was hanging out on the weekend and it got late,
Speaker 4: so they just crashed there a few times. Do you
Speaker 4: think I have a right to ask for some rent
Speaker 4: or bill money back? Or do I just drop it?
Speaker 4: What do you think I should do?
Speaker 5: No, that's not okay. So yeah, it's very much. You know,
Speaker 5: I think even if you're the chillest, chilliest, chillest person
Speaker 5: in the world, you don't mind if people go into
Speaker 5: your room. It's still a little bit weird when someone
Speaker 5: that you don't know is sleep in your bed.
Speaker 4: Stranger.
Speaker 5: Maybe they're friends, I get it, but like, ask first, because.
Speaker 4: I reckon if they were friends, Beck, the friend would
Speaker 4: have met. Like if I was going to your house
Speaker 4: to hang out with your housemates and you were traveling
Speaker 4: and they were like, oh, just stay, I'd message you
Speaker 4: and be like hey, Beck, like is it all right
Speaker 4: if I sleep in your room? And you'd be like, yeah,
Speaker 4: that's fine because I know you. Whatever. But it's such
Speaker 4: a different story when you don't know them. I had
Speaker 4: you said before that you've had this happen in so
Speaker 4: of eye, When did it happen to you?
Speaker 5: Okay, so it didn't happen to me personally, and everyone
Speaker 5: listening you.
Speaker 4: Do it to somebody else.
Speaker 2: I would never.
Speaker 5: But there was one person who I used to live
Speaker 5: with who let their parents their mom stay in a
Speaker 5: room that was vacant because our other housemate was like
Speaker 5: traveling but still was still her room.
Speaker 4: All their stuff was like in the stuff.
Speaker 5: Was in there. They didn't sleeping in there. I think
Speaker 5: even something broken there at some point. And then when
Speaker 5: that housemate got back, the person who let their parents
Speaker 5: day said, oh, I just thought you were more chill
Speaker 5: than that, Like I thought you'd be more like chill
Speaker 5: and like cool, and like didn't at all say I'm
Speaker 5: so sorry, like I probably should have fast or I'm
Speaker 5: so sorry this I overstepped the boundary. It was like,
Speaker 5: you are weird for not wanting this, and it was
Speaker 5: so yes, oh my god. I had no one ever
Speaker 5: listens to this, because they will know exactly who they are.
Speaker 4: That happened to me too. The very first time I
Speaker 4: moved out of home, I lived in a share house
Speaker 4: with my at the time partner and two other housemates.
Speaker 4: They had the downstairs bedrooms. We had an upstairs bedroom
Speaker 4: that we shared, and at the time, because it was
Speaker 4: like first time moving out, I would go home on
Speaker 4: the weekends, as would my partner, because I still worked
Speaker 4: weekends like in retail and in hospitality back down the peninsula,
Speaker 4: right So on a like Friday avot, I'd head back
Speaker 4: down and sometimes I wouldn't even come back, depending on
Speaker 4: when UNI was until like a Monday night or something.
Speaker 4: So I'd just like spend time with my parents. And
Speaker 4: I had no idea this had been going on for
Speaker 4: like six months. My housemate downstairs had decided, well, it's
Speaker 4: a free room over the weekend, she'd just let her
Speaker 4: friends stay. No when they went out on like a
Speaker 4: Saturday night or a Friday night, because I wasn't there, no,
Speaker 4: and like I hadn't noticed. I feel like some things
Speaker 4: were there. But you know when you live with a partner,
Speaker 4: like maybe he moved to the pillows, like you just
Speaker 4: don't think about it twice, Like it's not like it
Speaker 4: was my own room where if I put something down,
Speaker 4: it shouldn't have moved, Like you know if I had
Speaker 4: a tea cup beside the bed, maybe I my partner
Speaker 4: put in a dishwasher or vice versa. Maybe the tea
Speaker 4: cup beside the bed was from my partner, didn't think
Speaker 4: it turns out no housemate, which I've told you about. Ah,
Speaker 4: this one Steeler. Yep, she stole my underweir and also
Speaker 4: shout out to her. She's the one that emptied my
Speaker 4: freezer for me when I was eating it. Yeah, so yeah,
Speaker 4: she was a delight to live with. Whoever lives with
Speaker 4: her now, best of luck. Maybe you'ld dever Bee in
Speaker 4: your favor. But yeah, it was a very awkward experience
Speaker 4: because they didn't even wash the sheets back. They would
Speaker 4: just like crash in my bed when they came home
Speaker 4: at three am and obviously leave the next morning, like
Speaker 4: straighten up the sheets and call it.
Speaker 5: A own file.
Speaker 2: Yeah. So it's sorry, not okay.
Speaker 4: I feel like it was an invasion of my privacy. Yeah, totally.
Speaker 5: It just feels weird.
Speaker 4: Yeah, it feels weird. All my stuff's in there, Like
Speaker 4: if you open my bedside drawer, you might find my
Speaker 4: stash of sour lullies, you know, like I.
Speaker 5: Just you will find much worse in my room. Yeah,
Speaker 5: you'll find a vape, find many many vapes.
Speaker 4: But it's one of those things that you just like,
Speaker 4: I don't feel that comfortable with sure people coming in
Speaker 4: my space, especially when it's unplanned, because like I don't
Speaker 4: know about you, Beck. If you were coming to stay
Speaker 4: at my house and you were going to like sleep
Speaker 4: in my bed because I wasn't there, I'd like change
Speaker 4: the sheets for you. I would like, you know, probably
Speaker 4: tidy it up a bit, like move some stuff around
Speaker 4: the beds I take. Do you know what I mean?
Speaker 4: Make me me more comfortable that you're coming into my space?
Speaker 2: Totally a bit weird.
Speaker 5: Yeah, it feels weird, But the real question is it's
Speaker 5: weird or not. Basically, your feelings are valid.
Speaker 4: This is very I don't that your housemate's gas like
Speaker 4: exactly right. So the real question was do you think
Speaker 4: I have a right to ask for some rent or
Speaker 4: build money back or do I just drop it back?
Speaker 5: You have every right, But would I try to do that?
Speaker 5: I wouldn't. I guess I would be like I already
Speaker 5: feel like an outsider, unless you're you're thinking of leaving
Speaker 5: anyway because of what's happened. If you are then like, sure,
Speaker 5: maybe give it a go. But if you're not and
Speaker 5: your plan on staying there, it's already kind of like ah,
Speaker 5: these people, these two people against me, they don't think
Speaker 5: they did the wrong thing. Yeah, now I'm going to
Speaker 5: also be asking for rent money in electricity and bill
Speaker 5: or whatever.
Speaker 4: So it's going to become a fight because that person
Speaker 4: doesn't maybe hasn't even budgeted for that either. You're asking
Speaker 4: for money that they haven't allocated. It's just a bit
Speaker 4: of a mess from my perspectively. But does that mean
Speaker 4: you drop it? No? No, No, I would be going
Speaker 4: and setting some very clear boundaries that your room is
Speaker 4: not a shared space and that it is yours. If
Speaker 4: you want to be real dramatic, you who put a
Speaker 4: lock on real room.
Speaker 5: Do it because it's so it's.
Speaker 4: A violation of your it's a violation.
Speaker 5: And now you're in this uncomfortable situation where you have
Speaker 5: to tell people very very basic, normal things. It's like
Speaker 5: being like, I don't know, I can't think of a
Speaker 5: single thing that would like why would you even have
Speaker 5: to have this conversation?
Speaker 4: But you do, like it's not their space to share,
Speaker 4: that's not a shared space in the house, Like, if
Speaker 4: you're away for the weekend, Beck, I can't just turn
Speaker 4: up to your house because it's convenient to sleep there
Speaker 4: without your permission and just go in, Like, why would
Speaker 4: that be in that circumstance. From my perspective, it's exactly
Speaker 4: the same, Like that is my personal space that I
Speaker 4: own and I pay for. You can't just walk in
Speaker 4: there willing Nelly. Same with your house. I can't just
Speaker 4: walk into your house. What makes you think that you
Speaker 4: can walk into my room in the same way when
Speaker 4: you're a housemate.
Speaker 2: You're not my partner.
Speaker 4: Weird, weird, weird, weird weird.
Speaker 5: But not to say that you don't deserve that money,
Speaker 5: because you do and you probably are owed it.
Speaker 4: Yeah, we did ask the community, what do they say?
Speaker 4: We said, would you be upset if you were this person?
Speaker 4: Eighty eight percent said yeah, I'd be very angry and
Speaker 4: very disappointed. Twelve percent of you can't relate, you said,
Speaker 4: wouldn't bother me that much?
Speaker 2: A couple of chillis must be nice.
Speaker 4: The next question we asked was do you think this
Speaker 4: person has the right to ask for some money back?
Speaker 4: Seventy nine percent of people said yes, Okay, We said
Speaker 4: If yes, who do you think should be paying them back?
Speaker 4: Sixty five percent of you said the housemates. Yeah, I'm
Speaker 4: not a friend because the friend.
Speaker 5: I don't know what if the friend was told yeah,
Speaker 5: it's fine exactly, Beck said it was fine, and then
Speaker 5: they're fine with that, Yeah exactly, I would say it's
Speaker 5: notood on them. Person staying had no idea.
Speaker 4: Yeah. We then also asked you, what are your two cents?
Speaker 4: We need to know because Beck and I were a
Speaker 4: bit opinionated on this, so let's hopefully balance it out.
Speaker 5: Yeah.
Speaker 4: Someone said inconsiderate, selfish.
Speaker 5: Oh my goodness, I would never use this.
Speaker 4: On Someone said these people are not your friends. See
Speaker 4: if you can move out. Someone said, more than the money,
Speaker 4: it tells us that they don't respect your space or
Speaker 4: your privacy. Yeah, absolutely, rank. Could they let somebody else
Speaker 4: sleep in your bed with like fifteen exclamation points?
Speaker 5: Ah?
Speaker 4: Someone says, honestly, it's the fact they used your room.
Speaker 4: I'd feel like my personal space had been invaded. Someone
Speaker 4: said it's not cool, but is it worth having a
Speaker 4: rocky housemate relationship when you ask for money? Yes, which
Speaker 4: I think is a very valid point. I think that's
Speaker 4: where probably we are more so. Yeah, a lot of people,
Speaker 4: you know, there's heaps of comments. Basically, they're like, they
Speaker 4: absolutely should have asked, they should have you know, gone
Speaker 4: above and beyond. There were lots of people saying, look,
Speaker 4: I would be absolutely ropable, but i'd be ropable at
Speaker 4: my housemate's not the person that stayed over. And yes,
Speaker 4: someone said, well it was three nights a week or
Speaker 4: was it a casual sleepover. It's a very fine line.
Speaker 4: I still think it's a bit ick. But yes, I
Speaker 4: don't know about you, but I do feel a lot
Speaker 4: better about a once off situation. Yeah, three nights a
Speaker 4: week fine, But like, oh, Beck, I'm so sorry when
Speaker 4: you're away. Jess, who's now sick, she stayed over because
Speaker 4: she drunk a bit too much to drive and I
Speaker 4: just said, look, it's a bit late, but crash in
Speaker 4: Beck's beds. She won't mind. I've cleaned all your sheets,
Speaker 4: I've done everything. I hope that's okay to me. That's
Speaker 4: a different situation because that's about personal safety than I
Speaker 4: don't know, I feel like the intension behind it. I
Speaker 4: feel three nights a week for the entire time you're
Speaker 4: away was on purpose.
Speaker 5: Yeah, it's very much like, hey, this room's free now.
Speaker 5: It is literally anyone's you know what I mean.
Speaker 4: Yeah, Whereas like, oh, hey, you know, someone had a
Speaker 4: bit too much to drink. I told them to sleep
Speaker 4: in your because it was just not okay for them
Speaker 4: to go home. Like yeah, that's actually really responsible And yeah,
Speaker 4: I don't know, I feel like intention comes into it.
Speaker 5: All totally, totally, I would agree with that. All right, Well,
Speaker 5: I think that's all we have time. Yeah, that's a
Speaker 5: good place to leave it. But best of luck and
Speaker 5: keep us posted.
Speaker 4: Yeah, I'm going to post a picture of my bedside
Speaker 4: draw on Instagram today actually to show you that I do,
Speaker 4: in fact have a draw full of sour lollies. I
Speaker 4: wasn't joking, that wasn't innuendo. So head over to my
Speaker 4: Instagram and I will show you that. But otherwise, have
Speaker 4: the best weekend and we'll see you one Monday for
Speaker 4: a money diary.
Speaker 5: Bye, guys.
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