Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Yr
Speaker 1: the Order Kerni Whaltbury 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 2: Hello, and welcome to She's on the Money, the podcast
Speaker 2: us that makes personal finance fun, especially on Fridays. It
Speaker 2: is our favorite day of the week because we get
Speaker 2: our little team together to celebrate you the incredible She's
Speaker 2: on the Money community, Misters Greed. She is going to
Speaker 2: be sharing her favorite money wins and confessions from the community.
Speaker 2: Miss beck Sayed is going to be sharing her broke tips.
Speaker 2: We're going to be helping to answer a juicy money dilemma,
Speaker 2: which this week is all about how to work out
Speaker 2: if you'll have your hex step forever and something that
Speaker 2: you slid into our dms about whether you should pay
Speaker 2: for an accident that happened while you were helping a
Speaker 2: friend out with something they maybe should have been paying
Speaker 2: a professional form. But before we get there, have you
Speaker 2: new year and you year? You meet guys? How are
Speaker 2: we feeling? Are we? Yeah? It's twenty twenty thrive, which
Speaker 2: is kind of funny because it's only good in audio,
Speaker 2: so we're going to be using it on the podcast
Speaker 2: a lot. But if you write it down it looks
Speaker 2: like two O two thrive and then people are quite confused. Yes, oh,
Speaker 2: just taking so much? Yeah, you too hard? Too hard? Anyway?
Speaker 4: How are we?
Speaker 2: Yeah? Really good?
Speaker 4: I've I feel it's like there's something about starting afresh
Speaker 4: that is like it doesn't mean anything, like it's the same.
Speaker 4: It's just like, you know, it's the same week, Like
Speaker 4: it's like Tuesday's last.
Speaker 2: It's new, it's new, it's fresh. It feels like there's
Speaker 2: a fucial line in the sand. And that's the most
Speaker 2: annoying thing in the world, right, Like you could start
Speaker 2: new anytime, and we always say like there's no time
Speaker 2: like the present. Well that's why do it when you're ready.
Speaker 2: If you're like, oh my gosh, I really want to
Speaker 2: get my money life together or I really want to change,
Speaker 2: like just do it, just get it done.
Speaker 4: But like, oh, the motivation levels right now much higher,
Speaker 4: Like imagine starting something at four point thirty on a Tuesday.
Speaker 2: Weird, weird, get it and we should we should, like
Speaker 2: do you know what? I also see it as the
Speaker 2: me that I want to become. She doesn't wait totally
Speaker 2: the me that I want to become. She doesn't wait
Speaker 2: for things the me that I currently am. She does.
Speaker 4: So I need the new and she is welcome here
Speaker 4: exactly the new year energy.
Speaker 3: I love it.
Speaker 2: Ha you done you board, Jessica, done my vision board.
Speaker 4: I've reviewed.
Speaker 5: I write my goals in my phone like my resolutions,
Speaker 5: goals whatever you want to call them for the yeah,
Speaker 5: my phone every year, so I've reviewed last year's, made
Speaker 5: this year's. I sprinkleaned my hout like was feeling for good.
Speaker 2: Question is the Christmas tree down?
Speaker 4: Of course it is?
Speaker 2: Oh my god, that is so depressing, Jessica. I have
Speaker 2: to leave mine down until I have an argument with
Speaker 2: my husband about it being up in February.
Speaker 4: So what are you excited about right now for the
Speaker 4: new year. Yeah, she's on the money.
Speaker 2: Really obviously, I'm excited to just.
Speaker 4: What am I excited? I'm alrs.
Speaker 5: The next holiday is a Valentine's Day, So right now
Speaker 5: Valentine's Day, baking, Valentine's decorator.
Speaker 4: You know we're right.
Speaker 2: On a cycle. Do you know what? Now is the
Speaker 2: time to book in your Valentine's dinner? Like, Beck, you're
Speaker 2: a romantic. It is so hard to get a Valentine's
Speaker 2: Day dinner booking, so like now it's the time to
Speaker 2: shine ate.
Speaker 4: No way, someone else is cooking on Valentine's Day?
Speaker 2: Are you not cooking for somebody on Valentine's Day cooking?
Speaker 4: I'm not getting booking anywhere, you know, Okay, okay, Park,
Speaker 4: it's sun, it's grass, it's sweet romance.
Speaker 2: Oh no, I need a fancy dinner, Like I want
Speaker 2: to be wined and I want to be dying. And
Speaker 2: I don't ask for that any other time of the year.
Speaker 2: I don't. I just don't simply don't care. But I
Speaker 2: want to go out for Valentine's Day. I want to
Speaker 2: be treated like a pretty princess. Like that's really lame,
Speaker 2: but yep, like all of my feminist goals go out
Speaker 2: the window. I need flowers, I need to go out
Speaker 2: for dinner. I need to be told that I'm the
Speaker 2: prettiest princess that ever walked this planet on Valentine's Day,
Speaker 2: and I think that's valet I don't even care if
Speaker 2: it's tacky. I am a commercial Dreamwe rejoicing more Victoria
Speaker 2: Devines in this world. But let's get into it because
Speaker 2: New Year knew me. But we are still harping on
Speaker 2: about our five star review use because they are so fun.
Speaker 2: This week, I have one for you, and I feel
Speaker 2: like it sets the tone. Well, are you ready? It's
Speaker 2: from Natalie Haya. This is the mood we're taking into
Speaker 2: twenty twenty five or twenty twenty three. You ready? You
Speaker 2: girls are guaranteed to light up my day no matter
Speaker 2: my mood, particularly if I've been feeling down. Your cheery
Speaker 2: voices always make me feel better. Not only do you
Speaker 2: come up with the facts and the helpful tips and tricks,
Speaker 2: you come with a whole lot of empathy and genuine
Speaker 2: support as well, and that really shines through. This is
Speaker 2: so nice, But Victoria, you are a literal ray of
Speaker 2: sunshine in human form. And such a great role model
Speaker 2: for women. Not to mention, of course, your fabulous co
Speaker 2: hostesses Beck and Jess. Together, you guys make an amazing team,
Speaker 2: perfectly curated to make us feel uplifted, seen, heard, and educated.
Speaker 2: Love you all and so grateful for what you done too.
Speaker 4: Heart emojis they're so sweet, Natalie Ever, Yeah, yeah, maybe
Speaker 4: feel Oh my god, totally and like honestly feeling seen
Speaker 4: and heard two of I feel like the most important
Speaker 4: things so.
Speaker 2: And I feel like our community does that for us
Speaker 2: as well. Really yeah, the second I read that, I
Speaker 2: was like, Oh, that's how I feel about our community.
Speaker 2: I feel like I go there and anything that we're
Speaker 2: struggling with or like wanting to chat about, everyone's like, yeah, girl.
Speaker 4: What is it really like that? It's so nice.
Speaker 2: It's like when you call a friend and you're like
Speaker 2: what should I wear? I don't know and they're like,
Speaker 2: I don't care, come as you and you're like nice, exactly.
Speaker 2: But I love this and I feel like we're going
Speaker 2: to carry this energy past January.
Speaker 4: Absolutely.
Speaker 2: I think we have been equipped with all the tools
Speaker 2: we have been and we will continue to equip you
Speaker 2: with even more tools this year. You just wait, this
Speaker 2: so much in store. I didn't call it twenty twenty
Speaker 2: thrive for nothing, But Miss Jess Bricci community money wins
Speaker 2: and confessions, what do you bring into the table this
Speaker 2: fancy new year already?
Speaker 5: Firstly, I've got a lot of on theme with you know, refreshing, reviewing,
Speaker 5: all on brand, correct, all the things we should be
Speaker 5: doing at the moment. So firstly from Kendall, she said
Speaker 5: she realized that the RSPCA was advertising a reduced rate
Speaker 5: on pet insurance that was lower than what she's currently
Speaker 5: being charged. She called up to query it and she's
Speaker 5: been given the reduced.
Speaker 4: Rate and three months for free.
Speaker 2: I love it.
Speaker 4: How good is that?
Speaker 2: Great?
Speaker 5: Next, I've got money in from Audrey who's flying with
Speaker 5: Virgin to Brisbane next year. It's a round trip and
Speaker 5: she's used points from her flybys and credit card to
Speaker 5: adults and a ten year old flying totally for free.
Speaker 4: WHOA how good is that? Yeah?
Speaker 5: Next, I've got a money win from April, she said,
Speaker 5: money win. She managed to score a free school uniform.
Speaker 5: She sold her previous uniform second hand, it was in
Speaker 5: really good condition, and then she managed to find an
Speaker 5: equally awesome condition uniform at.
Speaker 4: The school shops. Okay, crazy expensive.
Speaker 5: I now understand why parents are like, buy this blazer
Speaker 5: that's ten sizes too big.
Speaker 2: That okay, So I confession New Year confession. Apologies to
Speaker 2: my mum. This happened in grade seven. Actually it would
Speaker 2: have been grade six when I was picking my grade
Speaker 2: seven blazer. The tantrum I had in the uniform shop
Speaker 2: because I didn't want the blazer you wanted me to
Speaker 2: have and I wanted the well fitted one. I'm really sorry.
Speaker 4: Yeah, we get it loas and just get like the
Speaker 4: same colored.
Speaker 5: No logo ours had to be had to be logoed whatever.
Speaker 5: They were very particular at our school, like I see,
Speaker 5: very privileged.
Speaker 2: I went to a Catholic school, so like the blazer
Speaker 2: was like the thing beck. If we were seen outside
Speaker 2: of our school, so like after school with down the shops,
Speaker 2: not wearing our blazer, immediate detention. It's so crazy, really
Speaker 2: immediate rule. If you were seen outside of school and
Speaker 2: you were wearing your school dress without a blazer. Done,
Speaker 2: you were done. Seems so portrayed to get written up
Speaker 2: and people would like dip it off as well, that's me.
Speaker 2: Like you yet called to the office and then be like, oh,
Speaker 2: mister so and so from such and such as class
Speaker 2: saw you at the coals and you were wearing your blazer.
Speaker 2: Well and you were just growing a jumper.
Speaker 4: Oh well, how yes, you know, not by us, but
Speaker 4: someone will.
Speaker 2: And it won't be yes, but she'll threaten it really angrily.
Speaker 5: No, our legacy was we had a winter in a
Speaker 5: summer uniform, and so the girls winter and summer uniforms
Speaker 5: were both skirts. You couldn't wear pants or shorts. And
Speaker 5: so our friend group legacy was we petitioned and girls
Speaker 5: at the school can now wear pants.
Speaker 2: Really, I love that. I remember it was the biggest
Speaker 2: drama in the entire world when one of the girls
Speaker 2: was like, I'm not comfortable in a skirt and wanted
Speaker 2: to wear the pants the salad, So she just bought
Speaker 2: them and started wearing them. Riot actually insane. Also the time,
Speaker 2: and this is probably not what my ex school wants
Speaker 2: to be perpetuated, the time that they suspended kid from
Speaker 2: my class because he came to school with a shaved
Speaker 2: head and you weren't allowed a shaved head at our
Speaker 2: school because like part of the uniform was like your
Speaker 2: hair had to be a minimum of two centimeters long
Speaker 2: or something for the boys, right wild. But he had
Speaker 2: a shaved head because he'd raised money for cancer.
Speaker 4: Oh really, yeah I know that.
Speaker 2: Yeah, of course they like. And even if they didn't
Speaker 2: know that, and they called him to the office, like
Speaker 2: what is he going to sit there and not say anything,
Speaker 2: he would have been like, dude, I shaved my head
Speaker 2: on the weekend to raise money for leukemia, Like be
Speaker 2: for real. And they still did it and it made
Speaker 2: the news so good. Not to mention the time that
Speaker 2: one of the ex teachers married one of the students.
Speaker 2: Oh yeah, that was good. I will send you the links.
Speaker 4: This school, Oh my god, this is jess school.
Speaker 5: Was catholicing thoughts and prayers to everyone going back to school.
Speaker 4: We needed you to elaborate after.
Speaker 2: Jesse, I'll let you know, Jessicat, what else have you
Speaker 2: got next.
Speaker 5: I've got money in from Samantha who said money balanced.
Speaker 5: She had a money lost. She bought a Costcame membership,
Speaker 5: which would argue that.
Speaker 2: That's not a money, that's an investment in your like
Speaker 2: that's an activity, she.
Speaker 5: Said, money counterbalance, Like she only left with a pizza
Speaker 5: and a hot chook.
Speaker 4: So I'm choky.
Speaker 2: You know the hot chooks. They're like four ninety nine
Speaker 2: at Costco.
Speaker 5: Oh really, that's a good deal. That's a good deal.
Speaker 5: They lose what is it called they lose money?
Speaker 2: Money?
Speaker 4: Yeah, I say they like lose money as soon as
Speaker 4: they leave the you know.
Speaker 2: Can't yeah, and I can't resell it.
Speaker 4: Yeah, it's already three ninety nine.
Speaker 2: What the hell?
Speaker 4: Cost pizza is so good?
Speaker 5: If I had a membership, just go buy a cost
Speaker 5: Co pizza for dinner because they're so big anyway.
Speaker 4: Next, I've got a money win.
Speaker 2: I'm surprised Jessica doesn't have a Costcome membership.
Speaker 4: I'm shocked by that too.
Speaker 2: I'm horrified our friends have a Costcome membership, so we
Speaker 2: use that. There was always good.
Speaker 4: She's getting in the.
Speaker 5: Next, I've got money win from Amy, who said she
Speaker 5: didn't realize there was such a thing as Microsoft points,
Speaker 5: which I also had never So apparently you can earn
Speaker 5: points for doing things like using their native search engine,
Speaker 5: which is being and then you can then cash them
Speaker 5: in for gift cards. So apparently she's inadvertently earned herself
Speaker 5: enough points to get fifty bucks off her next Airbnb. Okay,
Speaker 5: so you just have to use bing apparently that's one
Speaker 5: of the ways I really diluted that.
Speaker 4: I'm sure there's.
Speaker 2: More, there's more to it, but like you have to
Speaker 2: use bing is it funny?
Speaker 4: I know that's the thing is that I remember well my.
Speaker 2: Story one time was like sorry, Microsoft, she's ten, but.
Speaker 4: Bing is her. You know, bing is the future. So
Speaker 4: I'm so sorry to anybody. It's called I did look
Speaker 4: it up.
Speaker 5: It's called Microsoft for rewards, so you can earn rewards
Speaker 5: by simply doing what you love to do.
Speaker 2: So I'm just trying to wrap my head around fly By,
Speaker 2: like I can't get Yes, that's.
Speaker 5: Incredible, though, if you want to stack on a new
Speaker 5: you know, point system, or if you're already being user,
Speaker 5: I'm sure there's people out there you can be earning.
Speaker 2: There, go show yourselves.
Speaker 5: And lastly, this week, I've got a money in from
Speaker 5: Meg who said money in.
Speaker 4: She's swopped from Teltra to Optors.
Speaker 5: She's on the exact same plan with the exact same data,
Speaker 5: but she's saving herself forty bucks a month.
Speaker 2: Money new phone plan.
Speaker 4: Yes, now is the time.
Speaker 2: Now it's the time time plan, new insurances. We are
Speaker 2: cleaning financial house, we're setting ourselves up for success if
Speaker 2: you got an email the same as me saying Apple
Speaker 2: took a subscription amount and you don't know what it's for.
Speaker 4: Now is the time? Yes, fix it, work out?
Speaker 2: Why figure it out?
Speaker 4: You are doing?
Speaker 2: Put your big girl pants on?
Speaker 4: All right? Well?
Speaker 2: Moving on, Beck, Yes, new year, new broke tip. What
Speaker 2: have you got?
Speaker 4: Okay? So I was thinking that when I first started
Speaker 4: broke tips in my brain, they were going to be unhinged.
Speaker 4: So I'm thinking week they have been happy, they could
Speaker 4: be slightly more unhinged up.
Speaker 2: I'm thinking and chips that nobody's ever going to do
Speaker 2: what exactly.
Speaker 4: But you know what's crazy is that I've always I
Speaker 4: had always done these things and didn't think that they
Speaker 4: were weird or whatever.
Speaker 2: You know what I mean anyway, So it's just like
Speaker 2: when people eat like the skin of the kiwi fruit bizarre,
Speaker 2: or like the tops of the strawberries, like the strawberries.
Speaker 4: What are you a hamster?
Speaker 2: Sometimes I feel like one, just on a hamster wheel
Speaker 2: tops tops of carrots.
Speaker 4: No, I couldn't if I tried.
Speaker 2: If you couldn't if you tried.
Speaker 4: So it's quite corky. What's the word like? Woody? Is it?
Speaker 4: It's fine yeah, that's true. Well i'll go, I'll start.
Speaker 4: I'll start right, fine, I don't eat that black bit
Speaker 4: at the end of the banana, if you guys do.
Speaker 2: Okay, that's unhinged that but you have to pull that out. No, no,
Speaker 2: the black bit at the end of the banana is
Speaker 2: where I draw my line bills. All right, So tell
Speaker 2: me about your broake tips.
Speaker 4: All that to say, I can't promise every single week
Speaker 4: they'll be unhinged, but this week they're a little bit unhinged.
Speaker 4: So this first one comes from MMn. This one is
Speaker 4: not unhinged, of course. I make a wish list on
Speaker 4: Carted and wait for things to go on sale. What
Speaker 4: is Carted and why haven't ever used it? I'm gonna
Speaker 4: start now. It's a plug in online, I believe so.
Speaker 5: They it's one of those platforms where you can it's
Speaker 5: really handed because you can link things you want. So
Speaker 5: it's great if you have people who go what do
Speaker 5: you want for your birthday? You can keep like a
Speaker 5: running list. Also very good for putting twenty four hours
Speaker 5: between you and you're spending. Yes, But the really good
Speaker 5: thing is it notifies you when things go on sale,
Speaker 5: so if you go Oh, I really want to dice
Speaker 5: an air up, but I don't want to pay full
Speaker 5: price for it. You put it in and then you
Speaker 5: get a notification if it finds it discounted anywhere, which
Speaker 5: is pretty clearly.
Speaker 4: Yeah, that's great. So it's like it doesn't have to
Speaker 4: be on the website that you saved it. It could
Speaker 4: be anywhere on the web. Yeah, that's really cool, Thank you, amenda.
Speaker 4: This next one comes from B, who says if you
Speaker 4: sign up at Point of Fitness, you can bring a
Speaker 4: friend for free anytime during staffing hours, which I think
Speaker 4: is great and it doesn't seem like from what I'm reading.
Speaker 4: B says that it's not like it hasn't said this. Sorry,
Speaker 4: if I've inferred this. It's not like a kind of
Speaker 4: like a promotion or anything like that. It's just like
Speaker 4: an an ongoing can you could literally share a membership
Speaker 4: if they're a limit to how many friends you can
Speaker 4: limit to, well, yeah, because in my mind I'm like, well,
Speaker 4: surely people just split a gym membership and you know, yeah,
Speaker 4: you'd have to be smart about it though, because you'd
Speaker 4: have to go together, always, always together, and always do
Speaker 4: during staffed hours. So it's like I.
Speaker 2: Mean, that's where possible. That's possible, that's completely possible. What
Speaker 2: if you're in a relationship perfect.
Speaker 4: Perfect, you could conceivably be spending half price on a
Speaker 4: gym membership for I think that's a.
Speaker 2: Very good tip. Yeah, that is really good. That's good.
Speaker 4: So obviously this next one is mine. But my friend
Speaker 4: who I work with reminded me that this is something
Speaker 4: I actually used to do a lot so and I'm
Speaker 4: sure a lot of people do this. I feel like
Speaker 4: it was a trend back in the day at I e.
Speaker 4: Actually days ago that was wiry sandwich bag tires can
Speaker 4: hold a sandal together, fears genuinely, And I know that
Speaker 4: sounds dumb because like you just buy new sandals people
Speaker 4: metal its metal exactly.
Speaker 2: And also also they're changing all the sandwich ties to
Speaker 2: being cardboards, so this is.
Speaker 4: Going to be yes, well that's very true, that doesn't
Speaker 4: work out, but yes, yes, But also I was thinking,
Speaker 4: like when I first read his message, I was like,
Speaker 4: and then I thought of like when you get like
Speaker 4: a sandwich bag of ziploc.
Speaker 2: Ones, And I was like, oh, yeah, I guess you
Speaker 2: could do that, And so I thought we were talking
Speaker 2: about the like little wires like a little size twist.
Speaker 4: Tie and also the clippy. Yes, all I'm trying to
Speaker 4: is just forget about what people say, don't worry about
Speaker 4: social rules, the arbitrary. If there's a way to fix something,
Speaker 4: whether it's duct.
Speaker 2: Tape, oh, fixing some that is a good broke tip though,
Speaker 2: because how many of us just go, oh, I could
Speaker 2: never do that, but then you don't even try. Yeah, yeah,
Speaker 2: you can't do it. There's a YouTube tutorial for anything
Speaker 2: pure you can probably fix it totally. And I know
Speaker 2: if it's four.
Speaker 4: But anytime I would get like I actually did wear
Speaker 4: stockings in high school and sometimes they rip, I would
Speaker 4: literally color my leg in black.
Speaker 2: That yeah, totally, I still do.
Speaker 5: I'm doing that with my runners currently. My runners are
Speaker 5: like they're that mesh. And they started to tear really
Speaker 5: soon after I got them, and I was like, well,
Speaker 5: I'm not buying new one.
Speaker 2: Oh my gosh, mine did that too, But I sewed
Speaker 2: them back up.
Speaker 5: Oh my, it was very like holy, so I couldn't
Speaker 5: and then I just left it. And now there's literally
Speaker 5: like ten holes on my shoes and everyone looks at
Speaker 5: them and they're like why why Also socks instead of black,
Speaker 5: so instead wearing white socks and you could see them
Speaker 5: through I just started wearing black socks.
Speaker 2: Literally the story of honestly, this is a story of values,
Speaker 2: because miss Jessica Ricci, I know what you earn. I
Speaker 2: know what's in your savings account, and I know what
Speaker 2: you're disposable income hooks, like you can afford new shoes,
Speaker 2: but you're like that is not worth it. And I
Speaker 2: think that that is iconic totally.
Speaker 4: Your motto is if it ain't broke, don't fix it,
Speaker 4: and if it is broken.
Speaker 5: Don't fix it with just use it.
Speaker 4: Just use it, Just use it. You know, you know
Speaker 4: what broke?
Speaker 5: Actually, so I'm getting so off topic, but personal anecdote.
Speaker 5: My we spoke up to the podcast my beloved Top
Speaker 5: Ofwar Rice my wear.
Speaker 2: What happened?
Speaker 1: I know?
Speaker 5: So there's like it has the lid and there's two
Speaker 5: handles that clip down to the waid so the steam
Speaker 5: doesn't push the lid off.
Speaker 4: One of the handles broke. No, I'm still using it.
Speaker 4: I don't care.
Speaker 2: I love Yes, it would still work right, yeah once
Speaker 2: it's a little bit loose, But does it matter? Does
Speaker 2: the rice cook? Well? So far yes, not broken.
Speaker 4: That's what I totally you chuck. It just looks differing
Speaker 4: of water on top.
Speaker 2: I tried looking to find one I found on eBay.
Speaker 2: It was one hundred dollars. Absolutely, no, sir, No, So
Speaker 2: what is this? Is this just like a little shameless
Speaker 2: call out if anyone has an old tupware rice cooker
Speaker 2: by slide into Jessica's GMS with a fair price, okay,
Speaker 2: and she's she's probably going to invest in that, but
Speaker 2: she won't invest in her shoes.
Speaker 4: No, god, no, itally agree if it works, it works
Speaker 4: totally totally. And if you have new shoes that you
Speaker 4: want to give yess don't tell her but she doesn't
Speaker 4: want to. But the rice cook it definitely. Can you
Speaker 4: just put something heavy on top? No Ah, there's holes
Speaker 4: for the steam coming out.
Speaker 2: You know.
Speaker 4: I'll look into it, look into it, we'll work it.
Speaker 2: Sorry, broke, don't fix it. If it is broke, don't
Speaker 2: fix it completely. So let's go from really quick break
Speaker 2: and on the flip side, we're going to be talking
Speaker 2: about what happens to your hex step if you're not
Speaker 2: going to be able to pay it off, Like are
Speaker 2: you going to be in hex step forever? And something
Speaker 2: that you slid into our dms about should you be
Speaker 2: paying for an accident that happened while you're helping a
Speaker 2: friend out with something that they maybe should have just
Speaker 2: been paying a professional for. Don't go anywhere.
Speaker 4: Welcome back everyone.
Speaker 5: Let's take a listen to the first money dilemma of
Speaker 5: the year.
Speaker 4: Hi.
Speaker 2: There, have you got a money dilemma you just can't solve?
Speaker 2: The Sheese on the Money Team is here to help.
Speaker 2: Every week, we tackle your dilemmas, both big and small,
Speaker 2: to answer your most burning money, career and life questions.
Speaker 2: To get involved, simply head to our website and leave
Speaker 2: us a short voice recording and you might just find
Speaker 2: yourself on the show. Now, let's take a listen to
Speaker 2: this week's money dilemma, Victoria.
Speaker 3: You recently said on the podcast that there are some
Speaker 3: people who will just never pay off their hex. How
Speaker 3: do you work out if you're one of those people?
Speaker 3: I earn around sixty thousand dollars a year working part time,
Speaker 3: and I have a hex step of thirty thousand dollars.
Speaker 3: I'm wondering if I'm one of those people.
Speaker 2: Thanks, I did say that on the show, didn't I?
Speaker 2: I did? I back it up there are definitely some
Speaker 2: people who will never pay off their hex steps and
Speaker 2: that sounds terrifying, But I think we need to contextualize
Speaker 2: it a little bit as well, because in Australia our
Speaker 2: hex slash help loan scheme, while it doesn't have interest
Speaker 2: that gets added to it, it does have indexation. And
Speaker 2: if obviously there's been a lot of talk, like last
Speaker 2: year we were talking about how ridiculous the indexation was.
Speaker 2: It was that like seven point one percent, which was unhere,
Speaker 2: but on average over the last thirty years, the average
Speaker 2: help slash hex debt indexation sits at about two point
Speaker 2: seven percent, So like we can spread that across our
Speaker 2: lifetimes and use that as kind of like the average
Speaker 2: indexation rate, which could be interchanged if you really wanted to,
Speaker 2: with an interest rate. And in this situation, when it
Speaker 2: comes to debt repayment, we're just going to look at
Speaker 2: it as that's the interest rate that it's going to
Speaker 2: grow by. Now this community member has written in and said, hey,
Speaker 2: v I'm one of these people, Like I have a
Speaker 2: sixty thousand dollars income, I work part time, and I
Speaker 2: have a thirty thousand dollars hex. Now I'm going to
Speaker 2: assume that you earn that full sixty thousand dollars a year.
Speaker 2: That's like your part time income. It's not like pro rata.
Speaker 2: Just taking it as pace value thirty thousand dollars hex
Speaker 2: stet means that you are probably paying back each and
Speaker 2: every single year about six hundred dollars worth of your
Speaker 2: HEX debt, which I'm really sorry, means you will have
Speaker 2: your hex step for life. I'm going to open it
Speaker 2: up to you too before I give the solution or
Speaker 2: the conversation. How does that make you feel thinking that
Speaker 2: there are people in our community that are never going
Speaker 2: to pay off their hex debt, or that are always
Speaker 2: going to have this quote debt looming over them.
Speaker 5: Thankful that I didn't go to university.
Speaker 2: Like it pays to be uneducated by I.
Speaker 5: Mean, I think that it would annoy me knowing that
Speaker 5: the debt was there, and knowing that, like every year
Speaker 5: for the rest of your life, you're contributing whatever amount.
Speaker 2: Six hundred bucks a year at this point, yeah, which like.
Speaker 5: Is not a small amount of money, like especially when
Speaker 5: it's not or would I imagine it would feel like
Speaker 5: you're not putting a dent in one you You're like, oh, well,
Speaker 5: what am I just going to pay six hundred dollars
Speaker 5: and it's going to increase? Is it's indexed you know,
Speaker 5: every year for the rest of my life. That seems
Speaker 5: really annoying to me. I mean, I guess on the
Speaker 5: flip side, is it the cost of your education? Like
Speaker 5: you could make extra contribution. I don't like it, but
Speaker 5: we know that I don't love like debt makes me
Speaker 5: feel a little bit iicky, just generally, like because of
Speaker 5: my past experience with it, I don't love having it
Speaker 5: if I can avoid it. But it's like one of
Speaker 5: those things at the same time where at least it
Speaker 5: doesn't pass on to somebody else switch I think you're
Speaker 5: or somebody here. If I pass away, it's it's not
Speaker 5: going to become someone else's burden. But I mean, like,
Speaker 5: unless you want to make extra contributions, what can you do?
Speaker 5: Like all of these things that's like, well, well, you
Speaker 5: stuck between a rock and a hard place.
Speaker 4: Totally. I did go to UNI. I didn't ever actually
Speaker 4: finish anything, as you guys know, but so I do
Speaker 4: have like random bits of units. Yes, sorry, you know what.
Speaker 4: Actually it's crazy. I've never finished a unit and never
Speaker 4: finished a module and I've never been agree but I've
Speaker 4: paid for them, and I checked my.
Speaker 2: Right in and dispute that I.
Speaker 4: Didn't think it was a possibility.
Speaker 2: I checked it. Even now, I would definitely write in
Speaker 2: and say, hey, I just want to have a chat
Speaker 2: with somebody or like raise it because I actually never
Speaker 2: finished any of this. Is there a way that I
Speaker 2: can write it? Because like, I'm not saying that they
Speaker 2: will waive it, but there is a census state where
Speaker 2: you are meant to pull out by and if you
Speaker 2: pull out of a unit before then you can not
Speaker 2: pay for the course. Yes, and I'm not saying that
Speaker 2: they'll honor it, but I have heard of people being
Speaker 2: able to write in and say, hey, I never finished X,
Speaker 2: y Z and I'm never going to be able to
Speaker 2: pay this off. Is there a way too and it's
Speaker 2: been hon it so, like I mean, if you don't ask,
Speaker 2: you don't get right totally.
Speaker 4: That's true. Okay, that's that's something'll I'll.
Speaker 2: Think about it.
Speaker 4: It would be too much, It would be really nice though.
Speaker 4: It's at thirty thousand dollars somehow, and I don't know
Speaker 4: what a quick I've been doing. I'm just like it's
Speaker 4: not that much if you're not really seeing it, like
Speaker 4: I don't. I feel like if at the end of
Speaker 4: the year, unless like your employee employer is doing something right,
Speaker 4: you don't have to like get to tax time and
Speaker 4: be like, oh I owe this much in hex like
Speaker 4: you don't really see it, So I'm like, and also,
Speaker 4: if you're making a certain amount then you start paying
Speaker 4: a little bit, it just feels like nothing to me personally,
Speaker 4: Like I've no concern even if it's a million dollars,
Speaker 4: Like a million dollars in next step, I'd be like,
Speaker 4: I don't care.
Speaker 2: Is that because the debt repayments aren't crippling to your
Speaker 2: financial life? What said about because obviously a million dollars
Speaker 2: saying oh, I wouldn't care if it's a million, Like
Speaker 2: I get, I get where you're coming from. But also
Speaker 2: there are people like Jess if that was looming over her,
Speaker 2: she would even though you're right, it's not of a
Speaker 2: lot of consequence totally.
Speaker 4: And that's why I've been bankrupt and Jess has been no.
Speaker 4: But I think everyone has different feelings. Yeah, yeah, and
Speaker 4: and and and like honestly, like I'm at a point
Speaker 4: where I just I don't think not at a point,
Speaker 4: like I feel like I've always been like this, like
Speaker 4: education and learning is never a waste of time or money.
Speaker 4: And I'm like, even though I didn't finish anything just
Speaker 4: because it got to like exam, but like this, but yeah,
Speaker 4: I learned so much, I think from all these things,
Speaker 4: and I don't regret that at all. But yeah, I
Speaker 4: think just because it's like I'm not seeing if it
Speaker 4: was like money I had to pay and I had
Speaker 4: to remember to pay it after different stories and after
Speaker 4: the money came in different story, but I'm not seeing it.
Speaker 2: Exactly. Yeah, And like I can completely see where you're
Speaker 2: coming from. Jess, you mentioned something before, like about the
Speaker 2: debt not continuing. I have said on this podcast before
Speaker 2: Hex Slash Help, debt is the only debt that dies
Speaker 2: with you. And when I say that, I mean it
Speaker 2: is the only debt that is canceled out when you die.
Speaker 2: It's a little bit morbid, but I think it's important
Speaker 2: for you to understand that because I think a lot
Speaker 2: of us get stressed about the idea of passing on
Speaker 2: debt to our kids or our family or our friends
Speaker 2: or whatever. That looks like. I mean, you do have
Speaker 2: to wrap up your tax return. So say you die, Like,
Speaker 2: let's just be real morbid here. Let's say I died
Speaker 2: in February. Next month, that means I'm still going to
Speaker 2: my state will have to submit a tax return in June.
Speaker 2: So June thirty comes, I need to do my tax return,
Speaker 2: and whatever hex's debt I had owing for that period,
Speaker 2: I need to pay. But the rest of the debt
Speaker 2: would get wiped because I'm now deceased. And I think
Speaker 2: that that's important to understand because it doesn't make up
Speaker 2: part of your estate. So let's say you have a
Speaker 2: thirty thousand dollar hextet and one hundred thousand dollars in savings.
Speaker 2: If that was like credit card debt, or if that
Speaker 2: was a home loan, or if that was any other
Speaker 2: type of personal loan, what would happen with your estate?
Speaker 2: And estate is a fancy word for saying all your
Speaker 2: stuff in one bucket that you owned when you die,
Speaker 2: your estate would pay for that. So, say you've got
Speaker 2: your debt, all of that would be you know, organized,
Speaker 2: and you'd get seventy thousand dollars out of that to
Speaker 2: distribute to your friends and family when you pass away.
Speaker 2: In your will. However, HEXT doesn't come into your little
Speaker 2: bucket of your estate. It doesn't come in and say, hey,
Speaker 2: just so you know, you still owned the government thirty grand.
Speaker 2: They'll just go, you died, don't worry about it, like
Speaker 2: that was bad enough, so they don't take it from you.
Speaker 2: And I think that that is a really important point,
Speaker 2: because a lot of people are making the decision to
Speaker 2: just not care about their hex stet anymore. They're like,
Speaker 2: I see it's index at two point seven percent. I
Speaker 2: see that that means that, you know, if I have
Speaker 2: a sixty thousand dollars come and I've got thirty thousand
Speaker 2: dollars owing, I'm going to be paying six hundred bucks
Speaker 2: a year on that for forever more. I just don't care.
Speaker 2: Like that's what a lot of people are deciding, because
Speaker 2: they look at it and they go, even if I
Speaker 2: extinguished that amount of money, So even if I saved
Speaker 2: up thirty thousand dollars and paid off that entire hex stet,
Speaker 2: it doesn't actually put me even in a better borrowing situation,
Speaker 2: Like getting rid of that hex stet doesn't mean that
Speaker 2: I'm going to increase my borrowing capacity. I'd actually prefer
Speaker 2: to have that thirty thousand dollars in my savings account
Speaker 2: or invested or in property or somewhere else. So a
Speaker 2: lot of people are deprioritizing paying off their hexts. Is
Speaker 2: that the right thing to do? Who knows, It's just
Speaker 2: an experience that's happening in our community. But yes, there
Speaker 2: are definitely people who are going to have their HEX
Speaker 2: debts forever. And do I think that's a negative thing?
Speaker 2: Honestly no, Because you were able to get the education
Speaker 2: that you consented to. You knew how much it was
Speaker 2: going to be and what the repayments would look like
Speaker 2: and how that worked, and maybe it just doesn't work
Speaker 2: out that you paid off forever. I'm just glad that
Speaker 2: we don't have an education financing system like the US,
Speaker 2: where it becomes completely crippling to get into student debt.
Speaker 2: And I also love that our system means that if
Speaker 2: you lose your income or you don't have you know,
Speaker 2: the income needed to pay back, you don't have to.
Speaker 2: So I think there's a lot, like there's pros and cons,
Speaker 2: like nobody wants to die in debt, but I think
Speaker 2: we also need to remember that we're getting a lot
Speaker 2: from that and even if you are earning a sixty
Speaker 2: thousand dollars part time income, Yes, you're paying back your debt,
Speaker 2: but you got this massive degree and maybe part time,
Speaker 2: like part time sixty grand, that's a good income. That's
Speaker 2: why you're able to earn it. Maybe because you went
Speaker 2: to UNI, you were able to get this good job
Speaker 2: with the degree that you had, and now that's just
Speaker 2: like paying the way of being able to do that.
Speaker 2: So true. So I just think there's a lot to it.
Speaker 2: And I think people put a lot of importance on
Speaker 2: smashing down the hextet without talking about the bigger repercussions.
Speaker 2: And there have been when I was a financial advisor
Speaker 2: a lot of people that I sat down with that
Speaker 2: would be like, oh my god, V I'm so glad
Speaker 2: I'm here. I've got, you know, all of these savings
Speaker 2: and all of this hex stet, and we need to
Speaker 2: get rid of the hex stet and then next we'll
Speaker 2: do and then we do their financial advice and paying
Speaker 2: more of the hextet was never part of the plan.
Speaker 2: So I think it's just take it with a grain
Speaker 2: of salt. Debt can be scary, but that's one of
Speaker 2: the debts that's not good or bad. Debt just sits
Speaker 2: in the middle.
Speaker 4: Yes, she's gray, Yeah, she's grey.
Speaker 5: Should we get into the juicyday?
Speaker 2: It was hextet and you Dying not juicy enough.
Speaker 4: It's a little bit sad. I'm ready for the good stuff.
Speaker 2: I'm always ready for the good stuff. Are you ready?
Speaker 2: We go to DM. DM said, hey, she's on the money.
Speaker 2: I am in an awkward situation. My friend wanted to
Speaker 2: save some money on Reno's before their baby arrived, so
Speaker 2: they asked me to help paint their house. Great cool,
Speaker 2: We've all done that tricks out so far. Of course,
Speaker 2: I said yes, how could I not? But while I
Speaker 2: was moving the ladder, it slipped and I accidentally knocked
Speaker 2: over their brand new TV that was propped up waiting
Speaker 2: to be mounted. Now they're asking me to pay for it,
Speaker 2: and I feel awful, But I kind of feel like
Speaker 2: it wouldn't have happened if they hadn't asked me for
Speaker 2: help in the first place. I was doing them a
Speaker 2: favor to save some money, and now I'm the one
Speaker 2: out of pocket. Am I being unreasonable for thinking I
Speaker 2: shouldn't have to pay? I would love to hear the
Speaker 2: team's thoughts.
Speaker 4: So this is actually really hard. This is really like.
Speaker 2: My tongue so hard.
Speaker 4: I just think, like maybe go hard. I just that
Speaker 4: is a really really good one because I'm like, if
Speaker 4: your friends were gonna pay, Like so, I don't know
Speaker 4: how much a painter costs, but let's say two thousand
Speaker 4: dollars for a painter.
Speaker 2: Yeah, you go about that because I am currently having
Speaker 2: my house repainted. Oh yeah, yep, we've got some quotes,
Speaker 2: so two grand yep.
Speaker 4: It is an accident, it really does. I get it.
Speaker 4: Like it feels so crappy when you're not doing I
Speaker 4: don't know if this our listener is doing really well financially,
Speaker 4: not doing well financially, whatever it is. But like when
Speaker 4: you're in a situation.
Speaker 2: Respect, it's about the blame game. It's not about how
Speaker 2: much money you've got your account totally responsibility. Is this broken?
Speaker 2: Tell exactly?
Speaker 4: And it's like it's when you accidentally do something, you
Speaker 4: have no intention of anything, and all of a sudden
Speaker 4: you're in the whole like five k I don't know,
Speaker 4: I'm assuming it's like five k I but it's like
Speaker 4: a big one that's need to be mounted on a TV.
Speaker 4: How much are they these days?
Speaker 2: I don't know, but there's no way i'd spend five.
Speaker 5: It's like on a big black I don't know that's
Speaker 5: that's a that's a blue job in our house, A
Speaker 5: big Yeah.
Speaker 4: It was all my boyfriend tell me how much sale.
Speaker 2: I'm not buying it totally. I think my last TV
Speaker 2: was maybe fifteen hundred bucks. I didn't get the bigger
Speaker 2: one because I was like, I'm not spending that. Well, yeah,
Speaker 2: I mean you can get. It really depends on how small.
Speaker 4: Big sure, sure, sure, sure, yeah. I've always just had one.
Speaker 4: I have no idea how but anyway, so this, you know,
Speaker 4: it really sucks when that happens. I understand that you're
Speaker 4: kind of like, if I think of it from their side,
Speaker 4: if they're like, oh, this brand new TV. We've saved
Speaker 4: up for this and we're so excited to use it.
Speaker 4: My friend accidentally broke it totally totally not their fault.
Speaker 4: They're here to help me. Maybe let's try and find
Speaker 4: a way where we can go halves or or something.
Speaker 4: I just don't know that it's either one's responsibility completely,
Speaker 4: I think, But you guys look like you definitely don't agree.
Speaker 4: So I'm gonna.
Speaker 2: Beck if you came to my No, you know what
Speaker 2: I want justice opinion. I want justice opinion. Jess, what
Speaker 2: are your thoughts to me?
Speaker 4: It's not a gray area like if you.
Speaker 5: Damage Jess as like, No, I just think if you
Speaker 5: damage something that is not yours, your responsibility is to
Speaker 5: fix it or pay for it to be fixed, right,
Speaker 5: because I think if you like broaden it.
Speaker 4: Oh, Victoria does not agree.
Speaker 2: I don't.
Speaker 5: I don't think because I think that like if you
Speaker 5: take I think, helping them paint their house, you have
Speaker 5: to take that out of it. Like why you were
Speaker 5: there is irrelevant to me. Yeah, Like if I'm at
Speaker 5: anyone's house for any reason. It's like if you hit
Speaker 5: somebody's car, Like it doesn't matter if I was doing
Speaker 5: a good deed in stopping so the ducklings could cross,
Speaker 5: like you hit someone's car, Like, I just think the
Speaker 5: reason you're there is not Like I understand that. Maybe
Speaker 5: in our listener's mind they're like, oh, I was doing
Speaker 5: a nice thing and that nice thing is and I
Speaker 5: totally get that that's a shitty feeling, but like you've
Speaker 5: broken Like I just I think I know what VD
Speaker 5: is gonna say. But my opinion is, like you are
Speaker 5: responsible for your actions in this world, and be they
Speaker 5: accidental or be they intentional. It's not fair to expect
Speaker 5: somebody else to foot the bill for something that you've done.
Speaker 4: Right, I was just sorry if it is despert to talk,
Speaker 4: despert to talk. But also I do agree. And it's
Speaker 4: also like, if you're doing good deed, there shouldn't be
Speaker 4: any like things like oh, then that means that I
Speaker 4: can either get away with this, or you would do
Speaker 4: this for me or whatever. It's just like you just
Speaker 4: doing a nice thing for a friend. Yeah, yeah, that
Speaker 4: is separate. I see what you're saying. Anyway, so I
Speaker 4: speak the first time we've all had completely opinion. I
Speaker 4: was going to say this is I don't think this
Speaker 4: has ever happened before you knew us.
Speaker 2: Wow, just what is my opinion? What do you think
Speaker 2: my opinion is?
Speaker 5: I know that you're going to say that when you
Speaker 5: invited somebody to your house, you took on the risk
Speaker 5: or whatever.
Speaker 4: You should chance.
Speaker 2: Why was your TV out while you're painting?
Speaker 4: I mean, totally fair. We aren't we mounted yet.
Speaker 2: Okay, all right, it's on the floor. Why is the
Speaker 2: TV in a room where you've got a massive ladder
Speaker 2: ah see, So you're telling me you've got a ladder
Speaker 2: that could potentially fall over, like a dodgy one at that,
Speaker 2: and there's a massive TV that is a hazard in
Speaker 2: this Like, are we not clearing the room to paint
Speaker 2: the room? Like, yeah, that would have been, but we're
Speaker 2: not getting rid of all of the expensive things while
Speaker 2: getting paint out, paint on a television to begin with,
Speaker 2: terrible outcome ladder Like literally, you've got amateurs climbing up
Speaker 2: a ladder and you thought leaving the TV on the
Speaker 2: ground is a good idea.
Speaker 4: It's a good point.
Speaker 2: It is a good point.
Speaker 4: Now I really want to how it happens.
Speaker 2: I need to know so much about this situation. But also,
Speaker 2: say Jess comes to my house. I know, like Jess
Speaker 2: is the sweetest person ever. I said, Jess, I need
Speaker 2: help painting my house. What's she going to say, Oh,
Speaker 2: I'll be there at ten.
Speaker 4: Yeah that's fun.
Speaker 2: She's not getting up early to do it, but she'll
Speaker 2: be there with bells on. And then she climbs up
Speaker 2: a ladder to help me paint. I know she's an amateur.
Speaker 2: I know she's never done this. She falls off the
Speaker 2: ladder and breaks her leg, who's faults are I still.
Speaker 4: Put that on me, Like I'm not who to fallen
Speaker 4: off the ladder.
Speaker 2: Yeah, but like you're in my house on my dodgy
Speaker 2: ladder that I should have, you know, be like, just
Speaker 2: be really careful. But like I just I think that
Speaker 2: that is your fault for leaving the TV out in
Speaker 2: a space where you were doing amateur DIY, Like you've
Speaker 2: left a TV out, Like, I know, it's really shitty.
Speaker 2: I know that you don't want to have to buy
Speaker 2: another TV, and I know that you're trying to save money,
Speaker 2: but I think that was a cost where you go, oh,
Speaker 2: I'm so sorry you fell off the ladder, Jess. Yeah,
Speaker 2: like that's a safety issue that you didn't like Jess
Speaker 2: came to my house. She fell off my ladder because
Speaker 2: I didn't protect her to do like, yeah, we're doing
Speaker 2: something that she's never done before. But like she didn't
Speaker 2: sign up to full of ladder. She didn't like she
Speaker 2: signed up to paint some walls that should be relatively inconsequential.
Speaker 2: It might be dodgy, there might be runs all over
Speaker 2: the walls. Who knows, but that's the risk I'm taking.
Speaker 2: Would you then sue Jess or be mad if like
Speaker 2: Jess did a really shitty job of painting the wall,
Speaker 2: so like flip it around. We're going to talk about
Speaker 2: another financial impact. Jess comes to my house, she paints
Speaker 2: my walls, but she wasn't clean out the brush. She
Speaker 2: like kept putting it on the ground. There's a dirt
Speaker 2: in the brush. She's just kept painting the walls.
Speaker 4: Whatever.
Speaker 2: There's runs all over the walls. There's bits of dirt
Speaker 2: in the walls. She's gone home, it's dried. I have
Speaker 2: to then pay someone to come back and fix that
Speaker 2: because she's messed it up. Who's paying for that?
Speaker 4: I see what you're saying.
Speaker 2: Okay, ah, but YEA just did that, but did like?
Speaker 2: I mean, I'm making just pay for it. If she
Speaker 2: got frustrated at the paint brush through it across the
Speaker 2: room and kicked my TV, breaking it just didn't mean
Speaker 2: to break the TV and I left it in a
Speaker 2: spot where it could be broken when it definitely shouldn't
Speaker 2: have been there in the first place. And what now
Speaker 2: I'm going to financially impact my friend who was doing
Speaker 2: a good deed coming to my house to help me.
Speaker 2: Absolutely not interesting, I would say, asked me if they
Speaker 2: have content insurance and can you pay their excess payment?
Speaker 4: That would be my solution.
Speaker 2: We were for TV.
Speaker 4: Yeah, oh yeah, make content. Yeah.
Speaker 2: I come to your house like flip it. You've had
Speaker 2: issues with your walls, You've had it, like I come
Speaker 2: and help. I'm standing on your bedside table. I'm trying
Speaker 2: to help you patch up the wall and the roof
Speaker 2: like we're sticking Marley's spoon. Oh yeah, yeah, you know
Speaker 2: you know, but like that's what I'm doing for you.
Speaker 2: I trip, I fall, I break your bedside lamp. Am
Speaker 2: I buying you a new lamp? I wouldn't ask you to,
Speaker 2: you know, Okay, why wouldn't you ask me to? Well?
Speaker 2: I feel like I would be like.
Speaker 4: Well, you've done. I get with you.
Speaker 5: But I still also like, I don't know, maybe it's
Speaker 5: just me, but if I had fallen and broken the lamp,
Speaker 5: I do think I would still say you.
Speaker 2: Would often replace the lamp. Yeah, I know you would,
Speaker 2: because you're a kind person. Would I let you know?
Speaker 2: You wouldn't exactly, And it's because it was like I
Speaker 2: should have moved the lamp. Yeah, should the lamp? Should
Speaker 2: the lamp have been on the bedside table when I
Speaker 2: was climbing up there. No. Should I have thought about
Speaker 2: moving it myself? Probably, but it's not my house life.
Speaker 3: I know.
Speaker 4: But I'm like, I'm really thinking about like both parties,
Speaker 4: and I do think they should maybe split the different you.
Speaker 2: Should have a conversation. But I pay by.
Speaker 4: In storm or something. But I just know that when
Speaker 4: I bought my new phone, for examples, like a thousand dollars,
Speaker 4: and I saved it for a long time, for that
Speaker 4: was the whole thing. If one of my friends was like,
Speaker 4: oh my god, let me see your phone and then
Speaker 4: dropped it and broke it, I'll be like, I'd be like, oh,
Speaker 4: that's okay. And then inside you'd be like I will
Speaker 4: never financially and actually recover. And I would be like,
Speaker 4: I want them to pay because they broke it, And
Speaker 4: so I can understand both.
Speaker 2: I gotta know whatever I know, Okay, Okay, so you
Speaker 2: know whatever I say, I'm feeling validated. Just so you
Speaker 2: guys know, we asked the community and we said, if
Speaker 2: you were the homeowner, would you ask your friend to
Speaker 2: help pay seventy one percent? And you said no. I
Speaker 2: asked them for help twenty nine percent and said, yeah,
Speaker 2: they broke it.
Speaker 5: Yeah, I don't think i'd ask them to pay, but
Speaker 5: I would hope that they would offer or I would.
Speaker 2: Then I asked, if you were the friend who break
Speaker 2: the TV, would you pay for it? Forty percent of you,
Speaker 2: which is the highest percentage, says yes, I broke it,
Speaker 2: so it's giving Jess energy. It's giving Jess energy. So
Speaker 2: she's like, oh, I'd offer. But then I'm like, but
Speaker 2: I wouldn't make you pay. Yeah, right, Thirty seven percent
Speaker 2: of you said yes, but only to stop the drama,
Speaker 2: and twenty three percent of you said no. I'd tell
Speaker 2: them I wasn't paying. Awkward we did then say all right,
Speaker 2: we need you two cents.
Speaker 4: Yeah, tell us more.
Speaker 2: First person said were they getting paid to paint? No?
Speaker 2: Then no? Yes, then okay to contribute.
Speaker 4: Oh that's interesting stick.
Speaker 2: Someone else said I would have moved it to a
Speaker 2: safer place before opening a ladder in that room to
Speaker 2: my own heart. Someone else said, this is just Jess
Speaker 2: coded at least for it. I just think our community,
Speaker 2: our community, and we share one brain cell used to
Speaker 2: just be Jess and I. Yeah, everybody communal brains are
Speaker 2: They said they should have had insurance if not hiring
Speaker 2: professionals and not set up carefully for you. Their fault.
Speaker 2: I'm not getting insurance if I am not paying a
Speaker 2: professional painter like low Key I have.
Speaker 4: Professional painter would come with insurance.
Speaker 5: Yeah.
Speaker 2: But like, look, if I'm asking Jess to come over
Speaker 2: and help with paint, I'll pay you in Yeah. Like
Speaker 2: we're ordering a pizzai at the end of the day,
Speaker 2: and hopefully it's a nice day, We're gonna eat it
Speaker 2: outside with an app roll. Yeah, you know what I mean.
Speaker 4: Yeah.
Speaker 2: Someone else said, you break it, you buy it. I
Speaker 2: mean that's yeah, it's a good sign.
Speaker 4: But also Christmas.
Speaker 2: Chriss anymore.
Speaker 4: But you can still ride the wave.
Speaker 2: Yeah. Someone else said, I can't imagine asking my friend
Speaker 2: to pay, but I would pay if I was the friend. Yeah,
Speaker 2: that's why I sayest did all the comments. Someone else said,
Speaker 2: seems they value the TV more than their friend and
Speaker 2: their time. If they're asking for money but won't pay
Speaker 2: their friend, do you do you.
Speaker 4: Reckon the painters would have to pay my God, imagine it.
Speaker 2: Short, but imagine imagine so Jess comes to my house,
Speaker 2: she breaks my TV because she's fallen off my dodgy ladder,
Speaker 2: and I say, Jess, you need to pay for that.
Speaker 2: You need to pay for the Telly just goes, no worries.
Speaker 2: He's an invoice for my time.
Speaker 5: Literally, yeah, right to that off the to take it
Speaker 5: off the top.
Speaker 2: Right then, Oh my gosh. Someone else said I would
Speaker 2: pay for it to stop the drama and then never
Speaker 2: be friends with them again. Oh what imagine like, guys,
Speaker 2: because we're not saying that you're fighting or that there's
Speaker 2: any animosity. I suppose we're saying you broke the TV.
Speaker 2: We just want to know who's fold it is. You're
Speaker 2: going to cut a friend out. If my friendship, it's
Speaker 2: my friendship is so fragile that a broken TV is
Speaker 2: going to fracture it, keep it, Keep the broken TV.
Speaker 2: I don't need you as my friend.
Speaker 4: I mean, because there are valid points on both sides,
Speaker 4: you don't really chuck it out.
Speaker 2: Or someone else said, doing a favor doesn't mean you're
Speaker 2: exempt from righting wrongs, even if accidental. M that's dramatic.
Speaker 2: Someone else said if they wanted to save money by
Speaker 2: having someone that's not a professional with insurance, that's on them.
Speaker 2: They also shouldn't have left their brand new TV in
Speaker 2: the room where the work was being done powder, why
Speaker 2: was the TV there? It's a great point anyway. You know,
Speaker 2: there's always context missing from a lot of these dms,
Speaker 2: which is fine. That makes it fun, that makes it spicy.
Speaker 2: But I think this, guys, is the first.
Speaker 4: I think it is.
Speaker 2: Yeah, it's the first. What is it, Jess? The first?
Speaker 4: What disagreement?
Speaker 5: No?
Speaker 2: Yes, maybe same? But I was going to say, this
Speaker 2: is the first DM where we haven't said the answer
Speaker 2: is communication.
Speaker 4: Oh, I hate It's not too late.
Speaker 2: You knew us, you knew us. All right. With that,
Speaker 2: we are off. Thank you for tuning into our first
Speaker 2: Friday episode of the year. We are hoping to ride
Speaker 2: this motivation wave. I want to remind you as well
Speaker 2: if you're feeling incredibly motivated. I am running a financial
Speaker 2: Foundation's workshop on January eighth, which I know is going
Speaker 2: to be pivotal for a lot of people. I ran
Speaker 2: it last year as kind of like a test because
Speaker 2: I knew it'd be good. But I was like, let's
Speaker 2: just do it late last year, see how it goes,
Speaker 2: so that I could set everybody up for success in
Speaker 2: the new year. And I think it is going to
Speaker 2: be the perfect way to start your year on a
Speaker 2: Financial high So that is running on the eighth of January,
Speaker 2: and I will put all the information in the show notes.
Speaker 2: It's also going to be spammed all over our Instagram,
Speaker 2: all over my Instagram. It's probably a new newsletter. If
Speaker 2: you miss it, that's on you, not on me.
Speaker 4: I promise all right.
Speaker 2: Have a good day, guys, and we will see you
Speaker 2: bright early on Monday for our money Diary.
Speaker 4: By guys, I've been here.
Speaker 2: The advice shared on She's on the Money is general
Speaker 2: in nature and does not consider your individual circumstances. She's
Speaker 2: on the Money exists purely for educational purposes and should
Speaker 2: not be relied upon to make an investment or financial decision.
Speaker 2: If you do choose to buy a financial product, read
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards
Speaker 2: your needs. Victoria Divine and She's on the Money are
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