1 00:00:00,200 --> 00:00:01,920 Speaker 1: She's on the Money. 2 00:00:02,160 --> 00:00:26,840 Speaker 2: She's on the Money. 3 00:00:29,440 --> 00:00:32,360 Speaker 1: Hello, and welcome to She's on the Money, the podcast 4 00:00:32,360 --> 00:00:35,800 Speaker 1: for millennials who want financial freedom. Moving out of home 5 00:00:35,960 --> 00:00:39,800 Speaker 1: is an incredibly exciting step. There's the independence, the freedom, 6 00:00:39,960 --> 00:00:42,040 Speaker 1: the thrill of living with mates for the first time. 7 00:00:42,560 --> 00:00:45,080 Speaker 1: But as I quickly learned when I moved out for 8 00:00:45,120 --> 00:00:47,880 Speaker 1: the first time, along with all of that excitement comes 9 00:00:47,920 --> 00:00:49,600 Speaker 1: a whole lot of expense. 10 00:00:49,760 --> 00:00:51,599 Speaker 3: It's real, Yeah, it really is. 11 00:00:52,159 --> 00:00:54,720 Speaker 1: So today we'll be talking you through the A to 12 00:00:54,840 --> 00:00:57,400 Speaker 1: z of how to prepare financially before you take the 13 00:00:57,480 --> 00:01:00,360 Speaker 1: leap and move out. Plus, we'll be listing our top 14 00:01:00,400 --> 00:01:02,960 Speaker 1: tips and some tips from the community for frugal living 15 00:01:03,120 --> 00:01:06,720 Speaker 1: when you're set up and in your new home. My 16 00:01:06,880 --> 00:01:10,200 Speaker 1: name is Georgia King, and joining me as always is 17 00:01:10,280 --> 00:01:12,080 Speaker 1: financial advisor Vicki. 18 00:01:11,920 --> 00:01:14,759 Speaker 3: D hill v. They're still using that name. 19 00:01:14,880 --> 00:01:16,959 Speaker 1: Have we noticed that it's taken off a little bit? 20 00:01:18,040 --> 00:01:20,160 Speaker 1: Like it's really it took off ages ago and now 21 00:01:20,160 --> 00:01:22,240 Speaker 1: it's really up in the dem sky. 22 00:01:22,440 --> 00:01:25,600 Speaker 3: I feel like our community kind of act like friends 23 00:01:25,640 --> 00:01:28,840 Speaker 3: but also siblings to me, Like you know how they 24 00:01:28,959 --> 00:01:31,560 Speaker 3: use like annoying nicknames that they know you don't like, 25 00:01:31,640 --> 00:01:33,360 Speaker 3: but they're like but she'll put up with it because 26 00:01:33,400 --> 00:01:36,280 Speaker 3: like she tells stuff like yeah, I get it, like 27 00:01:36,319 --> 00:01:39,160 Speaker 3: it's endearing, but it's just it's just not my national. 28 00:01:38,920 --> 00:01:40,880 Speaker 1: She loves it. Guys, keep on, keep on keeping on. 29 00:01:41,680 --> 00:01:44,080 Speaker 1: So V there is a lot to consider when it 30 00:01:44,080 --> 00:01:45,360 Speaker 1: comes to moving out of home. 31 00:01:45,680 --> 00:01:46,959 Speaker 3: There is what do we need. 32 00:01:46,880 --> 00:01:49,880 Speaker 1: To factor in from a financial perspective before we move out? 33 00:01:50,040 --> 00:01:52,680 Speaker 3: Well, if we're in the position where we are thinking 34 00:01:52,680 --> 00:01:54,680 Speaker 3: about moving out of home, some of us were forced 35 00:01:54,680 --> 00:01:56,760 Speaker 3: into it. So I just want to like acknowledge that 36 00:01:56,840 --> 00:02:00,480 Speaker 3: this podcast, I guess this specific topic has come from 37 00:02:00,520 --> 00:02:03,240 Speaker 3: an overwhelming amount of people in our community being like 38 00:02:03,320 --> 00:02:05,480 Speaker 3: we need help, what is going on? What is this? 39 00:02:05,640 --> 00:02:07,560 Speaker 3: But I think we also need to acknowledge that to 40 00:02:07,640 --> 00:02:10,280 Speaker 3: make the conscious decision to plan to move out of 41 00:02:10,320 --> 00:02:13,040 Speaker 3: home and go okay, well can I afford it or 42 00:02:13,080 --> 00:02:16,440 Speaker 3: not is not afforded to absolutely everybody, And some people 43 00:02:16,680 --> 00:02:19,200 Speaker 3: were forced out of home. Some people were kicked out 44 00:02:19,200 --> 00:02:21,720 Speaker 3: of home, some people didn't have a home. So I 45 00:02:21,880 --> 00:02:24,120 Speaker 3: just want to acknowledge that we're not so naive that 46 00:02:24,160 --> 00:02:28,040 Speaker 3: we don't know that this is not the quote usual process. 47 00:02:28,600 --> 00:02:32,120 Speaker 3: But this pod is literally to talk about the costs 48 00:02:32,120 --> 00:02:34,560 Speaker 3: of moving out of home for the very first time, 49 00:02:34,600 --> 00:02:37,160 Speaker 3: whether that is you being a unie student or you've 50 00:02:37,240 --> 00:02:39,360 Speaker 3: got your first job and you're finally doing it like 51 00:02:39,680 --> 00:02:42,080 Speaker 3: this pod is I guess a little bit more specific. 52 00:02:42,120 --> 00:02:44,800 Speaker 3: I mean, it's still going to be useful information for anybody, 53 00:02:44,800 --> 00:02:47,600 Speaker 3: but I didn't want to just dive straight in and say, oh, well, 54 00:02:47,680 --> 00:02:49,880 Speaker 3: this is the process and this is how it works, 55 00:02:49,919 --> 00:02:51,079 Speaker 3: like we're not silly a guy. 56 00:02:51,160 --> 00:02:53,200 Speaker 1: No, that's really good to make clear at the top. 57 00:02:53,280 --> 00:02:56,799 Speaker 3: But first things first, back to your question, gking, what 58 00:02:56,800 --> 00:03:00,360 Speaker 3: do we need to consider first, which I remember being 59 00:03:00,400 --> 00:03:02,519 Speaker 3: really stumped by because it was like me too, I 60 00:03:02,600 --> 00:03:04,880 Speaker 3: didn't see it coming, like just kind of like came 61 00:03:04,919 --> 00:03:07,680 Speaker 3: out of nowhere and hit me in the face. The bond, 62 00:03:08,200 --> 00:03:11,640 Speaker 3: So the bond is usually a month's worth of rent 63 00:03:11,720 --> 00:03:14,440 Speaker 3: that you have to pay in advance that gets held 64 00:03:14,480 --> 00:03:16,880 Speaker 3: as kind of like a security over the property in 65 00:03:16,919 --> 00:03:18,680 Speaker 3: case you like damage it and then run away. They 66 00:03:18,680 --> 00:03:22,000 Speaker 3: can use the bond to fix the property. So that 67 00:03:22,160 --> 00:03:24,960 Speaker 3: to me ended up being far more expensive than I 68 00:03:24,960 --> 00:03:26,919 Speaker 3: thought it was going to be. So it's usually four weeks, 69 00:03:27,160 --> 00:03:29,680 Speaker 3: can be six weeks, can be more. It's actually up 70 00:03:29,680 --> 00:03:31,959 Speaker 3: to the landlord how much bond they want to take 71 00:03:32,000 --> 00:03:34,160 Speaker 3: for the specific property, Like if you were going to 72 00:03:34,240 --> 00:03:36,360 Speaker 3: rent a mega mansion, maybe the bond would be a 73 00:03:36,360 --> 00:03:38,960 Speaker 3: bit more because there's a lot of costs, but usually 74 00:03:38,960 --> 00:03:42,080 Speaker 3: between four and six weeks worth of rent and you 75 00:03:42,160 --> 00:03:44,840 Speaker 3: have to pay that upfront in addition to paying a 76 00:03:44,960 --> 00:03:46,480 Speaker 3: month's rent up front. 77 00:03:46,520 --> 00:03:48,280 Speaker 1: Yes, that's a lot from the outset, isn't it. 78 00:03:48,280 --> 00:03:50,960 Speaker 3: It's speno And you know, it's really overwhelmed me because 79 00:03:51,000 --> 00:03:52,920 Speaker 3: sometimes when you're just thinking about moving out of home, 80 00:03:53,000 --> 00:03:55,000 Speaker 3: you're like, oh, well, I can afford two hundred dollars 81 00:03:55,040 --> 00:03:56,880 Speaker 3: a week if that's what your rent is like. We 82 00:03:56,920 --> 00:03:59,000 Speaker 3: often don't consider that we need to save for a 83 00:03:59,040 --> 00:04:01,440 Speaker 3: bond and make sure that we have the first month 84 00:04:01,480 --> 00:04:04,840 Speaker 3: of rent in advance to pay. It can just feel like, 85 00:04:04,920 --> 00:04:08,160 Speaker 3: oh my gosh, this got really expensive really quickly. Then 86 00:04:08,160 --> 00:04:10,760 Speaker 3: there's bills. Sometimes you get lucky and some of them 87 00:04:10,760 --> 00:04:13,520 Speaker 3: are included in rent. Definitely have a look at that. 88 00:04:13,920 --> 00:04:16,200 Speaker 3: My last rental, we didn't have to pay a water 89 00:04:16,240 --> 00:04:19,400 Speaker 3: bill really because it was like in a townhouse complex 90 00:04:19,680 --> 00:04:22,960 Speaker 3: and the water bill was paid by body corporate money wins. 91 00:04:23,040 --> 00:04:24,479 Speaker 1: Do you have to pay a body corporate piece? 92 00:04:24,839 --> 00:04:27,440 Speaker 3: No? Because I was renting, and that was that was 93 00:04:27,440 --> 00:04:30,400 Speaker 3: a cost that the landlord had to thank you money win. 94 00:04:30,560 --> 00:04:33,839 Speaker 3: But you'll have things like electricity and gas and Wi 95 00:04:33,839 --> 00:04:37,160 Speaker 3: Fi and water and potentially insurances that you want to 96 00:04:37,200 --> 00:04:39,760 Speaker 3: set up, but we'll talk about them in a hot minute. Then, 97 00:04:39,960 --> 00:04:42,560 Speaker 3: if you don't have family or mates that have big 98 00:04:42,600 --> 00:04:44,520 Speaker 3: station wagons, you can chuck all this stuff in the 99 00:04:44,560 --> 00:04:46,920 Speaker 3: back of or like me when I first moved out 100 00:04:46,960 --> 00:04:49,800 Speaker 3: of home, a two door, tiny coupe car that you like, 101 00:04:50,000 --> 00:04:52,240 Speaker 3: put the seats in the back down and stuff full 102 00:04:52,240 --> 00:04:54,960 Speaker 3: and do one hundred trips back and forth. I'm not 103 00:04:55,000 --> 00:04:57,080 Speaker 3: paying a removal list, but you might need to pay 104 00:04:57,120 --> 00:05:00,279 Speaker 3: a removal list. And then a really niche one is 105 00:05:00,360 --> 00:05:04,040 Speaker 3: parking permits. So if you're moving into a CBD location 106 00:05:04,240 --> 00:05:07,799 Speaker 3: that has a permit on the property that maybe doesn't 107 00:05:07,800 --> 00:05:10,440 Speaker 3: already exist, you'll have to pay to apply for the permit. 108 00:05:10,520 --> 00:05:13,240 Speaker 3: If you want that parking space, again, ask your real 109 00:05:13,360 --> 00:05:15,840 Speaker 3: estate agent. They'll no more than me. But I remember 110 00:05:15,880 --> 00:05:18,520 Speaker 3: being super surprised when I moved out of home to 111 00:05:18,600 --> 00:05:20,680 Speaker 3: the city and I was like, what do you mean, 112 00:05:20,800 --> 00:05:23,080 Speaker 3: what's a parking permit? Like how does that work? And 113 00:05:23,200 --> 00:05:26,479 Speaker 3: just being genuinely shook that you had to pay for 114 00:05:26,520 --> 00:05:27,279 Speaker 3: that as rude. 115 00:05:27,320 --> 00:05:29,159 Speaker 1: I know, yeah, I think from memory it's about one 116 00:05:29,279 --> 00:05:31,480 Speaker 1: hundred dollars a year for a parking permit. 117 00:05:31,560 --> 00:05:33,719 Speaker 3: Yeah, like it's not heaps, but like when you're moving 118 00:05:33,800 --> 00:05:36,280 Speaker 3: down another one hundred dollars on top of everything else 119 00:05:36,320 --> 00:05:38,359 Speaker 3: you're already paying, and how much you've already spent it 120 00:05:38,440 --> 00:05:39,800 Speaker 3: came out it's a lot, Georgia. 121 00:05:39,800 --> 00:05:44,120 Speaker 1: Okay. So they're the main things we need to factor 122 00:05:44,160 --> 00:05:46,760 Speaker 1: in before we've moved out. What about when we're in, 123 00:05:47,200 --> 00:05:49,480 Speaker 1: we live in, we're doing it, what should we expect 124 00:05:49,480 --> 00:05:49,920 Speaker 1: to pay then? 125 00:05:50,240 --> 00:05:54,039 Speaker 3: So obviously rent, like we need to consistently pay that. 126 00:05:54,040 --> 00:05:57,880 Speaker 3: That was the agreement. You'll have bills obviously again mention 127 00:05:58,000 --> 00:06:01,840 Speaker 3: them already, but there'll be things that are ongoing and 128 00:06:01,920 --> 00:06:05,920 Speaker 3: things that fluctuate. Important to understand as well, like sometimes 129 00:06:05,960 --> 00:06:09,120 Speaker 3: you have to overbudget because you don't know what the 130 00:06:09,160 --> 00:06:11,559 Speaker 3: electricity bill is going to be, especially in that first 131 00:06:11,680 --> 00:06:13,400 Speaker 3: year of moving out. You're kind of like, well, I've 132 00:06:13,440 --> 00:06:15,320 Speaker 3: never lived in a house with two other people, and 133 00:06:15,400 --> 00:06:18,760 Speaker 3: I don't know what that's going to look like. It 134 00:06:18,800 --> 00:06:21,040 Speaker 3: makes sense, so sometimes you have to overbudget to make 135 00:06:21,080 --> 00:06:24,120 Speaker 3: sure that you can afford the bills because electricity is 136 00:06:24,120 --> 00:06:27,160 Speaker 3: based on consumption, whereas like your phone bill, you might 137 00:06:27,200 --> 00:06:29,040 Speaker 3: be fifty bucks a month and you just know that 138 00:06:29,360 --> 00:06:32,479 Speaker 3: for sure. So it's about understanding your bills and then 139 00:06:32,680 --> 00:06:34,880 Speaker 3: you know if you are a bit confused. I've said 140 00:06:34,880 --> 00:06:38,159 Speaker 3: this about insurances, I've said this about super call the 141 00:06:38,240 --> 00:06:40,839 Speaker 3: call center. Call up Red Energy and be like, hey, 142 00:06:40,880 --> 00:06:44,120 Speaker 3: Red Energy, I leave in Richmond and I have two housemates. 143 00:06:44,279 --> 00:06:46,920 Speaker 3: Can you give me an idea of what my electricity 144 00:06:46,960 --> 00:06:49,200 Speaker 3: bill is going to be. It will help you and 145 00:06:49,279 --> 00:06:51,240 Speaker 3: they will know because they'll have all the averages and 146 00:06:51,279 --> 00:06:53,400 Speaker 3: all the research and they will know or ask your 147 00:06:53,440 --> 00:06:56,960 Speaker 3: friends that live in a similar area. You also have groceries, 148 00:06:57,480 --> 00:07:00,320 Speaker 3: so food, obviously you got to eat it. I was 149 00:07:00,360 --> 00:07:05,320 Speaker 3: really good at Ramen at UNI. Like every stereotypical university 150 00:07:05,360 --> 00:07:08,839 Speaker 3: student raman frozen vegetables. You have got yourself a krem 151 00:07:08,920 --> 00:07:13,640 Speaker 3: Del fremmeal. But you'll also have ongoing costs which can 152 00:07:13,720 --> 00:07:18,040 Speaker 3: be causes the tension in relationships with your housemates, which 153 00:07:18,040 --> 00:07:22,800 Speaker 3: I think we covered recently. Yeah, because I was talking 154 00:07:22,800 --> 00:07:26,800 Speaker 3: about my quote fake housemate Chloe. That's correct, her name's 155 00:07:26,800 --> 00:07:31,480 Speaker 3: not Chloe, but interesting. But you'll have household expenses like 156 00:07:31,640 --> 00:07:34,160 Speaker 3: toilet paper and cleaning items, and maybe you have instant 157 00:07:34,200 --> 00:07:37,040 Speaker 3: coffee that you all share. And if you're living with housemates, 158 00:07:37,200 --> 00:07:38,800 Speaker 3: it's going to be up to you on how you 159 00:07:38,880 --> 00:07:41,119 Speaker 3: do groceries, Like you might just do a big shop 160 00:07:41,120 --> 00:07:44,000 Speaker 3: together and share those things, or you might have your 161 00:07:44,040 --> 00:07:46,520 Speaker 3: separate shelves in the fridge and you eat your flour 162 00:07:46,600 --> 00:07:48,920 Speaker 3: and I ate mine and we don't cross over, but 163 00:07:49,080 --> 00:07:51,120 Speaker 3: maybe we share the salt and pepper. Like this is 164 00:07:51,160 --> 00:07:54,640 Speaker 3: where communication is really important to understand the expectations of 165 00:07:54,680 --> 00:07:58,280 Speaker 3: your future housemates. And it's something that I didn't have 166 00:07:58,320 --> 00:08:01,240 Speaker 3: that conversation when I moved out for the first time. 167 00:08:01,880 --> 00:08:04,440 Speaker 3: I just didn't know I needed to. Like, I moved 168 00:08:04,440 --> 00:08:05,960 Speaker 3: out and it was all sunshine and roses, and I 169 00:08:05,960 --> 00:08:08,120 Speaker 3: was so excited because we had this apartment. I was 170 00:08:08,200 --> 00:08:10,880 Speaker 3: eighteen and that was just like so cool and I 171 00:08:10,920 --> 00:08:13,080 Speaker 3: was like, all my friends can come up on the weekend. 172 00:08:13,720 --> 00:08:15,920 Speaker 3: That was all I cared about. But then having a 173 00:08:15,960 --> 00:08:19,200 Speaker 3: discussion around grocery bills, we ended up doing it as 174 00:08:19,200 --> 00:08:22,960 Speaker 3: a house I don't eat meat, yeah, so that made 175 00:08:23,000 --> 00:08:26,280 Speaker 3: it really expensive and I was paying for something that 176 00:08:26,400 --> 00:08:29,680 Speaker 3: I wasn't consuming or using. And then other people liked 177 00:08:29,800 --> 00:08:32,640 Speaker 3: like chips and snacks and stuff, but mine were different. 178 00:08:32,720 --> 00:08:35,520 Speaker 3: And I think it's just important to set those expectations 179 00:08:35,520 --> 00:08:38,320 Speaker 3: and know what that really means. So in theory, great, 180 00:08:38,320 --> 00:08:41,040 Speaker 3: I'd love to share the grocery bill, do you though? 181 00:08:41,400 --> 00:08:42,160 Speaker 1: Yeah? 182 00:08:42,160 --> 00:08:44,800 Speaker 3: So I think it's really important. And we mentioned last 183 00:08:44,800 --> 00:08:48,360 Speaker 3: time as well the apps split wise flagged before really 184 00:08:48,360 --> 00:08:50,960 Speaker 3: great up not sponsored. Wish we were, we could do 185 00:08:51,040 --> 00:08:54,120 Speaker 3: such great promos for that business. But split wise is 186 00:08:54,120 --> 00:08:56,160 Speaker 3: a really good app to keep track of your spending 187 00:08:56,240 --> 00:08:59,400 Speaker 3: and make sure that you're not having to text Gking 188 00:08:59,480 --> 00:09:02,040 Speaker 3: fifty times and like, how's just wondering? Yeah, can you 189 00:09:02,040 --> 00:09:05,000 Speaker 3: please transfer me X for the grocery bill or for 190 00:09:05,160 --> 00:09:07,760 Speaker 3: electricity or whatever like, and it just doesn't get lost. 191 00:09:07,960 --> 00:09:08,640 Speaker 3: Really helpful. 192 00:09:09,440 --> 00:09:13,839 Speaker 1: So what is the easiest way to manage our expenses? Then? VD, 193 00:09:14,760 --> 00:09:17,520 Speaker 1: we're young, we're out of home, and now we're like, 194 00:09:17,559 --> 00:09:21,040 Speaker 1: oh my hat life, it's expensive. How do we deal 195 00:09:21,080 --> 00:09:21,199 Speaker 1: with that? 196 00:09:21,320 --> 00:09:24,520 Speaker 3: You have a budget And I'm sorry that that's so bland, 197 00:09:24,960 --> 00:09:27,160 Speaker 3: but a budget is just going to tell you what 198 00:09:27,320 --> 00:09:29,600 Speaker 3: to expect. There's a free one on the She's on 199 00:09:29,600 --> 00:09:32,600 Speaker 3: the money website, download it, use it. I've put as 200 00:09:32,640 --> 00:09:36,800 Speaker 3: many categories in as I think are necessary completely editable, 201 00:09:36,800 --> 00:09:39,040 Speaker 3: though you can add your own categories. You can delete 202 00:09:39,040 --> 00:09:42,000 Speaker 3: all mine if you think they're terrible. But it will 203 00:09:42,120 --> 00:09:44,040 Speaker 3: show you what your income is, It will show you 204 00:09:44,080 --> 00:09:46,640 Speaker 3: what your expenses are, and you could even play around 205 00:09:46,679 --> 00:09:49,840 Speaker 3: with that budget and just put in pretend expenses, like 206 00:09:50,080 --> 00:09:53,200 Speaker 3: do a mock budget, Like that's something that I think 207 00:09:53,280 --> 00:09:55,440 Speaker 3: is a really good tool. If you're thinking about moving 208 00:09:55,480 --> 00:09:59,120 Speaker 3: out or even thinking about leasing somewhere more expensive, put 209 00:09:59,120 --> 00:10:00,920 Speaker 3: in the new expenses and see what that does to 210 00:10:00,920 --> 00:10:02,320 Speaker 3: your cash flow and how much you'll be able to 211 00:10:02,320 --> 00:10:04,640 Speaker 3: save or how much you'll be able to live on 212 00:10:04,760 --> 00:10:07,839 Speaker 3: for groceries or whatever that looks like. But I do 213 00:10:08,000 --> 00:10:11,360 Speaker 3: genuinely think you need to plan and actually just break 214 00:10:11,400 --> 00:10:14,280 Speaker 3: it down, like we can't not have a budget. A 215 00:10:14,280 --> 00:10:18,080 Speaker 3: budget is not something that's restrictive. It's actually something that 216 00:10:18,120 --> 00:10:19,920 Speaker 3: tells you how much money is going into your bank 217 00:10:19,960 --> 00:10:22,160 Speaker 3: account and how much is coming out and do I 218 00:10:22,200 --> 00:10:25,280 Speaker 3: have enough to meet my commitments? Like it's not actually 219 00:10:25,559 --> 00:10:28,079 Speaker 3: going well, actually, Georgia, you only have fifty dollars a 220 00:10:28,160 --> 00:10:31,840 Speaker 3: week for groceries. It's how much are you spending on groceries? 221 00:10:31,960 --> 00:10:34,480 Speaker 3: And is that stopping you from paying the electricity bill, 222 00:10:34,720 --> 00:10:36,479 Speaker 3: because if it is, you're not going to have electricity 223 00:10:36,559 --> 00:10:38,000 Speaker 3: or you might get kicked out of your house. Like, 224 00:10:38,200 --> 00:10:41,840 Speaker 3: it's actually really important for you to understand how much 225 00:10:41,880 --> 00:10:44,040 Speaker 3: money you have coming in and how much you have 226 00:10:44,200 --> 00:10:46,520 Speaker 3: going out, even if you're at UNI, even if you're 227 00:10:46,559 --> 00:10:49,080 Speaker 3: casually employed and just do a few shifts here and there, 228 00:10:49,280 --> 00:10:51,920 Speaker 3: even if you're on centlink, it doesn't matter. You just 229 00:10:52,000 --> 00:10:54,160 Speaker 3: need to understand how much do I have each and 230 00:10:54,200 --> 00:10:56,960 Speaker 3: every single week to allocate towards the expenses that I 231 00:10:57,040 --> 00:10:59,680 Speaker 3: have in my life. That's as simple as it gets. 232 00:11:00,080 --> 00:11:04,440 Speaker 1: Probably as well be assume the worst with those fluctuating 233 00:11:04,600 --> 00:11:09,559 Speaker 1: bills just as expensive as I always like to build 234 00:11:09,559 --> 00:11:11,559 Speaker 1: in a buffer and make sure I have a little 235 00:11:11,600 --> 00:11:13,920 Speaker 1: bit more. And I know that's a luxury that not 236 00:11:14,080 --> 00:11:17,600 Speaker 1: everyone can afford. But if you can build in a buffer, great, 237 00:11:18,040 --> 00:11:21,080 Speaker 1: And if you can have your emergency account, that's also 238 00:11:21,160 --> 00:11:24,240 Speaker 1: really important. And I'd actually like to go back right now, 239 00:11:24,400 --> 00:11:27,160 Speaker 1: so like pretend there's like a little rewind sound and 240 00:11:27,320 --> 00:11:29,320 Speaker 1: go back to the top of the podcast where I said, 241 00:11:29,320 --> 00:11:31,640 Speaker 1: what are expenses that you'd want to have before you're 242 00:11:31,640 --> 00:11:35,000 Speaker 1: moving out? If you have the grace of time to 243 00:11:35,360 --> 00:11:38,840 Speaker 1: plan and save before you're moving out. Save your emergency fund, 244 00:11:39,160 --> 00:11:41,120 Speaker 1: put it to the side. You're going to feel a 245 00:11:41,320 --> 00:11:44,640 Speaker 1: million times better. You're going to feel financially secure if 246 00:11:44,679 --> 00:11:47,480 Speaker 1: you don't pick up a shift at work or something changes, 247 00:11:47,600 --> 00:11:49,840 Speaker 1: or you know, you break a light and you have 248 00:11:49,920 --> 00:11:51,520 Speaker 1: to replace it and then you have to split it 249 00:11:51,559 --> 00:11:55,200 Speaker 1: between the housemates, Like, you're not stressed about those costs. 250 00:11:55,480 --> 00:12:00,679 Speaker 1: So how much rent is too much? Rent? Is percentage 251 00:12:00,720 --> 00:12:02,800 Speaker 1: of our income? I know you're gonna say no. 252 00:12:03,880 --> 00:12:06,880 Speaker 3: I don't like percentages, and I just don't like percentages 253 00:12:06,920 --> 00:12:10,040 Speaker 3: because it makes you compare yourself to other people. So 254 00:12:10,200 --> 00:12:13,640 Speaker 3: it's immediately saying, well, that's the expectation, compare yourself to that. 255 00:12:13,679 --> 00:12:16,840 Speaker 3: Are you meeting that expectation when in reality that's not 256 00:12:17,080 --> 00:12:20,560 Speaker 3: the case. Like I've said this before, but say I 257 00:12:20,720 --> 00:12:24,560 Speaker 3: said to you the optimal amount Georgia to save is 258 00:12:24,600 --> 00:12:26,960 Speaker 3: twenty percent of your income, You'd be like, okay, great, 259 00:12:27,000 --> 00:12:30,080 Speaker 3: love having a goal, But if you earn four hundred 260 00:12:30,080 --> 00:12:32,400 Speaker 3: thousand dollars a year, I'd want you to be saving 261 00:12:32,440 --> 00:12:34,959 Speaker 3: a lot more than that, because obviously that's a lot 262 00:12:34,960 --> 00:12:38,240 Speaker 3: of cash flow. But if you're a single mum, and 263 00:12:38,280 --> 00:12:40,920 Speaker 3: you earn forty grand a year. That's an expectation that 264 00:12:40,960 --> 00:12:43,200 Speaker 3: you're putting on yourself. That just makes you feel terrible 265 00:12:43,240 --> 00:12:46,640 Speaker 3: about yourself because that's not possible. So that's why we 266 00:12:46,720 --> 00:12:50,120 Speaker 3: don't like percentages. But working out what your goals and 267 00:12:50,160 --> 00:12:52,920 Speaker 3: what your cash flow is and what you're comfortable is 268 00:12:52,920 --> 00:12:58,400 Speaker 3: is really important. Now to completely contradict myself, I would 269 00:12:58,440 --> 00:13:00,280 Speaker 3: never want to see you paying like more more than 270 00:13:00,360 --> 00:13:03,160 Speaker 3: thirty percent of your income towards rent. But I have 271 00:13:03,360 --> 00:13:05,960 Speaker 3: seen friends, I've seen people in the community who are 272 00:13:05,960 --> 00:13:08,680 Speaker 3: paying fifty percent of their income towards rent or sixty 273 00:13:08,679 --> 00:13:11,440 Speaker 3: percent of their income towards rent, And you know what, 274 00:13:11,559 --> 00:13:15,240 Speaker 3: in some situations, completely unavoidable. Like I'm not judging it, 275 00:13:15,800 --> 00:13:18,640 Speaker 3: but it is not constructive. You need to really re 276 00:13:18,800 --> 00:13:22,400 Speaker 3: evaluate that because that's a lot of money for rent. 277 00:13:22,920 --> 00:13:25,079 Speaker 3: Like and I don't see rent money as dead money. 278 00:13:25,080 --> 00:13:27,760 Speaker 3: That is not how we view rent. Is you choosing 279 00:13:27,800 --> 00:13:30,480 Speaker 3: a lifestyle you could choose to live in the city. 280 00:13:30,559 --> 00:13:33,440 Speaker 3: That is your investment in that lifestyle and living your 281 00:13:33,440 --> 00:13:36,080 Speaker 3: best life, and you know your mental health in your 282 00:13:36,240 --> 00:13:39,600 Speaker 3: living experience. That's really important. But I think it's also 283 00:13:39,640 --> 00:13:41,920 Speaker 3: really important to go Okay, cool, Like how much money 284 00:13:41,960 --> 00:13:44,680 Speaker 3: do you actually have coming in? Are you a real 285 00:13:44,679 --> 00:13:46,800 Speaker 3: Wrencher UNI student, so it doesn't matter so much, so 286 00:13:46,840 --> 00:13:49,400 Speaker 3: you can have the nicer apartment. Like how much can 287 00:13:49,440 --> 00:13:51,720 Speaker 3: you personally afford out of your cash flow? Is it 288 00:13:51,760 --> 00:13:53,800 Speaker 3: one hundred and fifty dollars a week? Is it three 289 00:13:53,920 --> 00:13:56,079 Speaker 3: hundred dollars a week? Just work out what that is 290 00:13:56,120 --> 00:13:57,040 Speaker 3: and then go from there. 291 00:13:58,400 --> 00:14:02,120 Speaker 1: You hear a little bit about Renter's insurance fee. Yes, 292 00:14:02,200 --> 00:14:03,839 Speaker 1: what are your thoughts on that? Is that something that 293 00:14:03,880 --> 00:14:05,480 Speaker 1: we should be I. 294 00:14:05,520 --> 00:14:08,680 Speaker 3: Love insurance, Yeah, because I'm very averse to risk, and 295 00:14:08,720 --> 00:14:11,720 Speaker 3: I like to cover any risk that I have. Renter's 296 00:14:11,760 --> 00:14:14,000 Speaker 3: insurance is not going to cover the property, but it 297 00:14:14,040 --> 00:14:16,680 Speaker 3: will cover your assets if there's a fire in the 298 00:14:16,720 --> 00:14:19,280 Speaker 3: property and they get damaged, or flood in the property 299 00:14:19,280 --> 00:14:21,600 Speaker 3: and it gets damaged, or a burglar breaks in steals 300 00:14:21,600 --> 00:14:24,680 Speaker 3: your iMac. So I think it's important to have because 301 00:14:24,680 --> 00:14:27,720 Speaker 3: it's just protecting yourself. And Renter's insurance can actually be 302 00:14:27,800 --> 00:14:29,920 Speaker 3: quite reasonable. Like you might not have looked into it 303 00:14:29,920 --> 00:14:33,360 Speaker 3: because you're like, I cannot afford another cost. I get it, 304 00:14:33,720 --> 00:14:36,960 Speaker 3: but average from our research Georgia King, and I mean 305 00:14:36,960 --> 00:14:39,680 Speaker 3: we could have been more comprehensive here, but we weren't. 306 00:14:39,920 --> 00:14:42,400 Speaker 3: Is about one hundred and fifty dollars a year, so 307 00:14:42,480 --> 00:14:44,640 Speaker 3: that's pretty reasonable, especially when. 308 00:14:44,560 --> 00:14:46,840 Speaker 1: You split it between multiple housemates or you and your 309 00:14:46,880 --> 00:14:47,680 Speaker 1: partner whatever it means. 310 00:14:47,800 --> 00:14:50,520 Speaker 3: Yes, and that's the important thing with Renter's insurance. You 311 00:14:50,600 --> 00:14:53,840 Speaker 3: can't just get it for Georgia King's bedroom like you can't. 312 00:14:54,040 --> 00:14:57,520 Speaker 3: It's for that house. So you could choose to split 313 00:14:57,560 --> 00:15:00,440 Speaker 3: it between your housemates and go cool, three me fifty 314 00:15:00,480 --> 00:15:04,000 Speaker 3: dollars and then we've got insurance, or you could pay 315 00:15:04,040 --> 00:15:06,400 Speaker 3: for it outright if your housemates don't want it and 316 00:15:06,520 --> 00:15:09,280 Speaker 3: just not list their items or you know, it's your insurance, 317 00:15:09,280 --> 00:15:12,320 Speaker 3: but it does cover the whole house. I urge towards 318 00:15:12,360 --> 00:15:14,400 Speaker 3: having it because I like peace of mind to know 319 00:15:14,440 --> 00:15:16,680 Speaker 3: that it's protected. And if you're a UNI student or 320 00:15:16,720 --> 00:15:19,120 Speaker 3: you're like moving out for the first time, like a 321 00:15:19,200 --> 00:15:22,920 Speaker 3: three thousand dollars MacBook, going missing is seriously going to 322 00:15:22,920 --> 00:15:25,480 Speaker 3: impact your budgeting, and knowing that you've got an insurance 323 00:15:25,480 --> 00:15:28,960 Speaker 3: policy that just protects that, to me is really important. Yeah, 324 00:15:29,040 --> 00:15:31,080 Speaker 3: And I mean I have a lot of nice shoes, 325 00:15:31,200 --> 00:15:33,360 Speaker 3: so I want to make sure they were protected. 326 00:15:32,960 --> 00:15:35,080 Speaker 1: Too, and some nice earrings which I saw earlier. 327 00:15:35,120 --> 00:15:35,880 Speaker 3: They were on my desk. 328 00:15:36,040 --> 00:15:39,040 Speaker 1: Lovely. All right, let's leave it there for now, but 329 00:15:39,160 --> 00:15:41,800 Speaker 1: after the break we will be chatting through our tips 330 00:15:41,800 --> 00:15:43,640 Speaker 1: and the tips from the Shoes on the Money community 331 00:15:43,960 --> 00:15:47,040 Speaker 1: on how to save when you're out of home. So please, guys, 332 00:15:47,080 --> 00:15:59,200 Speaker 1: do not go anywhere. Let's get straight into it. We've 333 00:15:59,280 --> 00:16:01,720 Speaker 1: knocked our heads together, we've had to look through the group. 334 00:16:02,120 --> 00:16:05,680 Speaker 1: Let's talk about how to save when we're out of home. 335 00:16:05,880 --> 00:16:10,320 Speaker 3: Okay, we could consider having that conversation. I was really bad, 336 00:16:10,440 --> 00:16:13,080 Speaker 3: did it? Yeah? Look, I was really bad at saving. 337 00:16:13,520 --> 00:16:17,080 Speaker 3: But here's an aspirational list of things Victoria wished she 338 00:16:17,240 --> 00:16:19,720 Speaker 3: did when she was between the ages of eighteen and 339 00:16:19,800 --> 00:16:20,400 Speaker 3: twenty three. 340 00:16:20,520 --> 00:16:22,800 Speaker 1: Yeah. Well, hey, I've got some tips. Remember my tip 341 00:16:22,800 --> 00:16:25,960 Speaker 1: from Friday drinks, eat your mango, ditch lunch with your friends. 342 00:16:26,120 --> 00:16:27,600 Speaker 1: Just have your dried mango from your back. 343 00:16:27,840 --> 00:16:30,840 Speaker 3: Look, if you were in a position where that was necessary, 344 00:16:31,000 --> 00:16:32,960 Speaker 3: I would totally agree and be like, you know what, 345 00:16:33,000 --> 00:16:34,520 Speaker 3: you're doing the best thing for you at that point 346 00:16:34,520 --> 00:16:39,120 Speaker 3: in time. But knowing you, okay, Georgia, of course you did. 347 00:16:39,320 --> 00:16:41,360 Speaker 1: Yeah, that could have been the most boring story I've 348 00:16:41,360 --> 00:16:43,920 Speaker 1: ever told on the podcast as well. So apologies, guys. 349 00:16:44,160 --> 00:16:46,720 Speaker 3: That's not the case. But I know you went through 350 00:16:46,720 --> 00:16:48,720 Speaker 3: the Facebook group and got a couple of tips and 351 00:16:48,760 --> 00:16:50,600 Speaker 3: tricks from our community. What are they? 352 00:16:50,680 --> 00:16:53,280 Speaker 1: Okay, So we've broken this up. So the first section 353 00:16:53,440 --> 00:16:57,160 Speaker 1: is home day call and essential. So because you do 354 00:16:57,320 --> 00:17:00,360 Speaker 1: have to style your place, you it has to look cute, yeah, 355 00:17:00,400 --> 00:17:03,040 Speaker 1: like obviously not like we haven't gone straight into the 356 00:17:03,120 --> 00:17:05,200 Speaker 1: essentials of like cool, you need to buy a toilet 357 00:17:05,200 --> 00:17:10,159 Speaker 1: brush and please have a mattress like bedframe negotiable, not necessary. 358 00:17:11,320 --> 00:17:13,880 Speaker 1: I had a housemate for a while who had milk crates. Yeah. 359 00:17:13,960 --> 00:17:17,160 Speaker 3: Also fine, they work, Yeah, they work, they do the job. 360 00:17:17,200 --> 00:17:18,919 Speaker 3: But yeah, I think this conversation is just about, like, 361 00:17:18,960 --> 00:17:21,480 Speaker 3: how do you actually save while also having a whole 362 00:17:21,480 --> 00:17:23,240 Speaker 3: ep of overheads that you've never had before. 363 00:17:23,280 --> 00:17:27,560 Speaker 1: Precisely so Joanne from our group. She suggested the brilliant, 364 00:17:27,600 --> 00:17:30,959 Speaker 1: the obvious gum Tree marketplace and eBay for those bigger 365 00:17:31,000 --> 00:17:34,640 Speaker 1: items like couches, TVs, fridges, washing machines. 366 00:17:34,760 --> 00:17:37,480 Speaker 3: Yeah, and that's actually one of the best ways to 367 00:17:37,520 --> 00:17:39,600 Speaker 3: do it. So, like, I remember you and I having 368 00:17:39,600 --> 00:17:42,520 Speaker 3: this conversation, and my sister has done this as well. 369 00:17:42,520 --> 00:17:45,199 Speaker 3: She's a little horder. I love it. But before she 370 00:17:45,320 --> 00:17:48,520 Speaker 3: moved out, she started collecting things and stealing things from 371 00:17:48,520 --> 00:17:50,959 Speaker 3: my mum and putting them in her box in her 372 00:17:50,960 --> 00:17:53,159 Speaker 3: bedroom for her future kitchen. She's like, oh, you have 373 00:17:53,160 --> 00:17:55,760 Speaker 3: two colanders. What a co inky dink? You now have one, 374 00:17:56,520 --> 00:18:00,280 Speaker 3: but preparing for it before you move out great idea. 375 00:18:00,320 --> 00:18:02,480 Speaker 3: Like if you go to op shops, you can get cutlery, 376 00:18:02,560 --> 00:18:05,080 Speaker 3: you can get plates and bowls and like look around. 377 00:18:05,200 --> 00:18:07,840 Speaker 3: That is how I furnished my first house because I 378 00:18:07,880 --> 00:18:10,080 Speaker 3: also had the privilege of taking things from my mum's 379 00:18:10,160 --> 00:18:13,400 Speaker 3: kitchen that I knew she wasn't using. But how good 380 00:18:13,440 --> 00:18:16,280 Speaker 3: is it to get secondhand stuff? Like usually you can 381 00:18:16,320 --> 00:18:19,560 Speaker 3: get a pretty good quality count that's the cost of 382 00:18:19,600 --> 00:18:22,560 Speaker 3: an Ica one? Like sure for me, Yeah, I like 383 00:18:22,600 --> 00:18:24,040 Speaker 3: to have a look around though, but it does take 384 00:18:24,080 --> 00:18:27,119 Speaker 3: a lot more effort than just going on the Ikea 385 00:18:27,200 --> 00:18:30,040 Speaker 3: website and having one delivered. I'm not saying that that's 386 00:18:30,040 --> 00:18:32,480 Speaker 3: what you should do. I'm just saying more a really 387 00:18:32,560 --> 00:18:32,960 Speaker 3: nice one. 388 00:18:33,080 --> 00:18:36,320 Speaker 1: Yeah, but yeah, I mean there's so much choice on 389 00:18:36,320 --> 00:18:38,760 Speaker 1: there and you can get pretty much everything that you need. 390 00:18:39,119 --> 00:18:43,119 Speaker 1: Thoughts on mattresses, I think a mattress is a good investment. 391 00:18:43,280 --> 00:18:45,639 Speaker 3: I don't know who told me this. I feel like 392 00:18:45,680 --> 00:18:48,760 Speaker 3: it was my dad, but I don't know. But whoever, 393 00:18:48,960 --> 00:18:53,240 Speaker 3: this smart person was said that you should save money 394 00:18:53,240 --> 00:18:56,919 Speaker 3: on everything that doesn't separate you from the ground. So 395 00:18:57,040 --> 00:18:59,920 Speaker 3: you should buy good mattresses, good wheels for your car. 396 00:19:00,200 --> 00:19:03,240 Speaker 3: You should buy good shoes because they impact your posture. 397 00:19:03,359 --> 00:19:05,840 Speaker 1: And I just thought that was smart from Papa Eric. 398 00:19:06,240 --> 00:19:09,800 Speaker 3: Maybe Papa Eric, We don't know. Maybe Dad, Yeah, maybe Dad, 399 00:19:09,880 --> 00:19:12,280 Speaker 3: I don't know. We'll confirm with him later. We'll just 400 00:19:12,320 --> 00:19:14,240 Speaker 3: give him the credit because that's a good tip. 401 00:19:16,240 --> 00:19:18,720 Speaker 1: The obvious here as well is Camart. Guys. 402 00:19:19,160 --> 00:19:21,639 Speaker 3: Look, I know that Camart is great. We all love it, 403 00:19:21,720 --> 00:19:24,320 Speaker 3: we all go there. If you're in a position where 404 00:19:24,359 --> 00:19:27,760 Speaker 3: you can be more sustainable and buy more things, I 405 00:19:27,800 --> 00:19:30,080 Speaker 3: think that is great. But I also think it's just 406 00:19:30,160 --> 00:19:33,280 Speaker 3: about being a little bit more conscious with our spending. 407 00:19:33,600 --> 00:19:36,480 Speaker 3: Like Camart's really accessible, and if you're going to be 408 00:19:36,600 --> 00:19:38,680 Speaker 3: using this item all the time and it's going to 409 00:19:38,720 --> 00:19:40,720 Speaker 3: break every two months and you go buy a new one, 410 00:19:40,840 --> 00:19:43,480 Speaker 3: I'd probably err towards saying, well, Georgia, buy the more 411 00:19:43,480 --> 00:19:46,400 Speaker 3: expensive can opener, like buy the thing that keeps breaking, 412 00:19:46,520 --> 00:19:49,520 Speaker 3: Like stop being disposable about it. But do you know 413 00:19:49,560 --> 00:19:51,240 Speaker 3: how much stuff I have in my kitchen that's from 414 00:19:51,280 --> 00:19:53,399 Speaker 3: Kmart like ten years ago. I still use it, I 415 00:19:53,440 --> 00:19:55,080 Speaker 3: still love it. I'm not going to get rid of it. 416 00:19:55,119 --> 00:19:58,280 Speaker 3: And I think that it's just about making the decision 417 00:19:58,280 --> 00:20:01,439 Speaker 3: that's right for you, not necessarily what everybody else thinks. 418 00:20:02,560 --> 00:20:06,440 Speaker 1: The number one essential to home decor is, of course, plants. 419 00:20:06,480 --> 00:20:08,360 Speaker 1: V day, I'm gonna handball this one to you. 420 00:20:08,600 --> 00:20:09,879 Speaker 3: Why are you going to hand all it to me? 421 00:20:09,960 --> 00:20:12,640 Speaker 3: Because you are the plant lord I am. I actually 422 00:20:12,640 --> 00:20:15,040 Speaker 3: thought you were going to say, because you take clippings 423 00:20:15,040 --> 00:20:17,560 Speaker 3: of everybody else's plants and therefore you get free plants. 424 00:20:17,600 --> 00:20:23,159 Speaker 3: Precisely true. But in my opinion, plants are essential apart 425 00:20:23,160 --> 00:20:27,720 Speaker 3: from like a mattress also essential. But obviously Bunning's really 426 00:20:27,720 --> 00:20:31,880 Speaker 3: great place. Really cheap plants at Ikea. Yeah, really cheap 427 00:20:31,880 --> 00:20:37,480 Speaker 3: plants on Facebook marketplace as well. I feel like I'm biased, 428 00:20:37,800 --> 00:20:39,520 Speaker 3: but if you're moving out of home, don't have a 429 00:20:39,520 --> 00:20:42,320 Speaker 3: lot of decre like a plant might be fifteen bucks, 430 00:20:42,480 --> 00:20:44,399 Speaker 3: but it adds a lot to the space to make 431 00:20:44,400 --> 00:20:45,879 Speaker 3: it feel a little bit more homey, a little bit 432 00:20:45,920 --> 00:20:49,840 Speaker 3: more comfortable. Again. Personal opinion I mean, you probably are 433 00:20:49,880 --> 00:20:52,920 Speaker 3: listening to this podcast trying to get legit advice, being 434 00:20:52,920 --> 00:20:55,080 Speaker 3: like Victoria, how much do I need to say, buy 435 00:20:55,119 --> 00:20:56,480 Speaker 3: a plant or marketplace? 436 00:20:56,560 --> 00:20:57,240 Speaker 1: Head to Bunning. 437 00:20:57,359 --> 00:21:00,840 Speaker 3: I have no regrets about that though, but yeah, again 438 00:21:01,480 --> 00:21:05,119 Speaker 3: worth it obviously, but again, don't feel pressure to have 439 00:21:05,200 --> 00:21:09,280 Speaker 3: your home ready for the architectural design tour. Like just 440 00:21:09,320 --> 00:21:12,280 Speaker 3: make it your home and your stuff. And I guess 441 00:21:12,280 --> 00:21:14,480 Speaker 3: that's why I really liked when I was first moving 442 00:21:14,520 --> 00:21:17,000 Speaker 3: out of home looking at op shops and like, I 443 00:21:17,119 --> 00:21:19,760 Speaker 3: had the grace of time on my side, so I 444 00:21:19,840 --> 00:21:21,560 Speaker 3: knew I was going to move out, so I could 445 00:21:21,600 --> 00:21:23,400 Speaker 3: go to lots of different op shops and I wasn't 446 00:21:23,440 --> 00:21:26,320 Speaker 3: like desperate to get stuff in a week. Like for 447 00:21:26,359 --> 00:21:28,800 Speaker 3: the six months before I moved out, I was looking 448 00:21:28,840 --> 00:21:31,359 Speaker 3: online and I was going to different op shops and 449 00:21:31,640 --> 00:21:33,399 Speaker 3: browsing around, and I had a list of things I 450 00:21:33,440 --> 00:21:36,480 Speaker 3: wanted to get, and op shops were really great, Like 451 00:21:36,520 --> 00:21:39,280 Speaker 3: I remember picking up a really sick looking coffee table 452 00:21:39,600 --> 00:21:42,080 Speaker 3: that my last housemates doll So that was good. 453 00:21:43,720 --> 00:21:46,200 Speaker 1: The next lot giv is bill management. 454 00:21:46,320 --> 00:21:47,800 Speaker 3: Yeah, that one's a tough one. 455 00:21:47,840 --> 00:21:50,359 Speaker 1: We did touch on it earlier. But what's the best 456 00:21:50,359 --> 00:21:52,560 Speaker 1: way for us to keep costs down when it comes 457 00:21:52,560 --> 00:21:53,159 Speaker 1: to our bills. 458 00:21:53,359 --> 00:21:56,560 Speaker 3: Being savvy. So when I say being savvy, obviously keeping 459 00:21:56,560 --> 00:21:59,560 Speaker 3: a budget and knowing what your expenses are going to be, 460 00:22:00,160 --> 00:22:02,439 Speaker 3: but also just being curious, like can I get a 461 00:22:02,440 --> 00:22:04,879 Speaker 3: better deal, what's going on over there, how much of 462 00:22:04,880 --> 00:22:07,520 Speaker 3: my friend's paying yea, and just being on top of 463 00:22:07,560 --> 00:22:10,840 Speaker 3: it because so many times, good example of this is 464 00:22:10,920 --> 00:22:13,400 Speaker 3: my phone bill. I thought I was getting a really 465 00:22:13,440 --> 00:22:15,359 Speaker 3: good deal because I broke it, this good deal like 466 00:22:15,400 --> 00:22:17,080 Speaker 3: two and a half years ago or something on the 467 00:22:17,080 --> 00:22:21,320 Speaker 3: phone with the guy from my phone provider, and I 468 00:22:21,359 --> 00:22:23,000 Speaker 3: was really happy with it, so I didn't think about 469 00:22:23,040 --> 00:22:25,359 Speaker 3: it again. But it had been two and a half years. 470 00:22:26,000 --> 00:22:28,600 Speaker 3: So my friends were getting a better deal, and when 471 00:22:28,800 --> 00:22:30,600 Speaker 3: we're at brunch one time, they were like, oh yeah, 472 00:22:30,600 --> 00:22:32,600 Speaker 3: like my phone plans like thirty bucks and I have 473 00:22:32,720 --> 00:22:35,680 Speaker 3: unlimited data. And I was like, wait, what, Like mine's 474 00:22:35,720 --> 00:22:39,360 Speaker 3: like fifty dollars and I have like two gigs of data. 475 00:22:39,440 --> 00:22:41,720 Speaker 3: So I think it's just important that even though you 476 00:22:41,800 --> 00:22:43,520 Speaker 3: got a good deal in the first place, at that 477 00:22:43,560 --> 00:22:48,320 Speaker 3: point in time, renewing and refreshing things often is really important. 478 00:22:48,640 --> 00:22:51,760 Speaker 3: And this is not a sponsored mention. I just think 479 00:22:51,880 --> 00:22:54,840 Speaker 3: is a really good recommendation. We do work with them, though. 480 00:22:55,359 --> 00:22:58,520 Speaker 3: Get reminded the app. You can download it and put 481 00:22:58,560 --> 00:23:01,520 Speaker 3: all of your reminders in, and it's not reminding you 482 00:23:01,600 --> 00:23:03,520 Speaker 3: that your bill's do you can set it up for that, 483 00:23:03,800 --> 00:23:06,280 Speaker 3: but it will remind you in twelve months to be like, hey, ge, 484 00:23:06,440 --> 00:23:11,119 Speaker 3: you last reviewed your electricity twelve months ago. Spend five minutes, 485 00:23:11,200 --> 00:23:13,720 Speaker 3: go do a quick quote comparison. Do the same for 486 00:23:13,760 --> 00:23:16,359 Speaker 3: your car insurance and make sure you're always getting the 487 00:23:16,400 --> 00:23:19,159 Speaker 3: best deal. And I think there's also a lot of 488 00:23:19,200 --> 00:23:21,840 Speaker 3: power even if you can't find a better deal online. 489 00:23:22,440 --> 00:23:25,119 Speaker 3: Once a year, give them a buzz. Hello. I am 490 00:23:25,160 --> 00:23:27,680 Speaker 3: a very valued customer of yours, and I was just wondering, 491 00:23:28,240 --> 00:23:31,720 Speaker 3: am I eligible for any discounts or any you know, 492 00:23:31,840 --> 00:23:34,200 Speaker 3: rebates or anything like that, or is there a better 493 00:23:34,240 --> 00:23:36,080 Speaker 3: deal that you could do? And if you're kind on 494 00:23:36,160 --> 00:23:39,560 Speaker 3: the phone, that person's probably very likely to be like, oh, 495 00:23:39,600 --> 00:23:42,159 Speaker 3: this girl's nice, I'd love to help her out. So 496 00:23:42,240 --> 00:23:44,919 Speaker 3: I think that there's a lot of power in just 497 00:23:45,000 --> 00:23:48,040 Speaker 3: being curious and on top of it and never feeling 498 00:23:48,119 --> 00:23:50,480 Speaker 3: like you are a burden. Does that make sense? Like 499 00:23:50,520 --> 00:23:52,040 Speaker 3: so many times we're like, oh my gosh, I don't 500 00:23:52,040 --> 00:23:54,480 Speaker 3: want to call. It's literally the people on the other 501 00:23:54,600 --> 00:23:57,640 Speaker 3: end of the line's job, and hopefully they like their 502 00:23:57,760 --> 00:24:00,120 Speaker 3: jobs and they want to have a chat with you. 503 00:24:00,160 --> 00:24:02,240 Speaker 3: Otherwise they wouldn't have applied for that job. 504 00:24:02,440 --> 00:24:04,040 Speaker 1: And they want to keep you on board. They want 505 00:24:04,080 --> 00:24:05,840 Speaker 1: to give you a good deal so you stay with them. 506 00:24:05,840 --> 00:24:08,480 Speaker 3: And a couple of Friday episodes ago, we were talking 507 00:24:08,520 --> 00:24:11,200 Speaker 3: and Ryan John said, like, it's not like you're picking 508 00:24:11,280 --> 00:24:15,320 Speaker 3: up the phone and the CEO answers, like, they're people 509 00:24:15,440 --> 00:24:18,200 Speaker 3: like you and I and they're people in our community, 510 00:24:18,320 --> 00:24:20,880 Speaker 3: and I just think, Yeah, it's not as scary to call. 511 00:24:20,960 --> 00:24:25,080 Speaker 1: I promise definitely not. The next point here is from Nikita, 512 00:24:25,240 --> 00:24:27,760 Speaker 1: and she said, to help keep bills down, turn off 513 00:24:27,840 --> 00:24:30,560 Speaker 1: power when you're not using it. Yeah, only use the 514 00:24:30,560 --> 00:24:33,200 Speaker 1: heater when you really need it, Okay, jump. 515 00:24:33,000 --> 00:24:36,720 Speaker 3: Here on really important. Yeah, the heater in winter really 516 00:24:36,760 --> 00:24:40,320 Speaker 3: does add up, and also the aircn in summer. Like, 517 00:24:40,840 --> 00:24:43,960 Speaker 3: I feel like there's a lot there to unpack. 518 00:24:43,720 --> 00:24:46,000 Speaker 1: And have the chat with your housemates as well, because 519 00:24:46,080 --> 00:24:47,760 Speaker 1: if one of you is working from home and the 520 00:24:48,040 --> 00:24:49,919 Speaker 1: others are in the office, but that person has a 521 00:24:49,920 --> 00:24:50,840 Speaker 1: heater on all days. 522 00:24:51,480 --> 00:24:54,800 Speaker 3: Does that look like ya, and to be honest, it 523 00:24:54,880 --> 00:24:56,960 Speaker 3: can be really frustrating, Like if you haven't moved out 524 00:24:56,960 --> 00:24:59,800 Speaker 3: of home yet, you're like, oh, I'll be chill. These 525 00:24:59,840 --> 00:25:02,200 Speaker 3: things that up and they grind your gears and they 526 00:25:02,240 --> 00:25:06,080 Speaker 3: create unnecessary frustration with your housemates. It is better to 527 00:25:06,160 --> 00:25:09,240 Speaker 3: just have a conversation and say, hey, like your home 528 00:25:09,280 --> 00:25:11,199 Speaker 3: all the time, what are we going to do about it? 529 00:25:11,320 --> 00:25:11,520 Speaker 1: Yeah? 530 00:25:11,520 --> 00:25:15,280 Speaker 3: I think hot tip here not related to cost, but 531 00:25:15,359 --> 00:25:18,359 Speaker 3: more related to communication. When it comes to talking to 532 00:25:18,600 --> 00:25:23,320 Speaker 3: potential housemates, don't accuse them of something. Use a motive 533 00:25:23,400 --> 00:25:27,120 Speaker 3: language like oh, I feel like you're potentially using more electricity. 534 00:25:27,720 --> 00:25:31,080 Speaker 3: That's much easier to have a proper adult conversation than Georgia, 535 00:25:31,200 --> 00:25:33,840 Speaker 3: you work from home and you use more electricity, Like, 536 00:25:34,240 --> 00:25:38,040 Speaker 3: that's you going in really confrontationally. So I think thinking 537 00:25:38,080 --> 00:25:40,520 Speaker 3: about our language before we want to have a conversation 538 00:25:40,560 --> 00:25:43,160 Speaker 3: with a housemate is going to pay off because we've 539 00:25:43,160 --> 00:25:46,160 Speaker 3: all been in a situation where you're frustrated with a housemate, 540 00:25:46,200 --> 00:25:49,960 Speaker 3: because lord knows, they can get really frustrating. But having 541 00:25:50,040 --> 00:25:53,200 Speaker 3: an adult conversation and approaching it from a position like hey, 542 00:25:53,520 --> 00:25:56,760 Speaker 3: it's actually you and I against the problem, not you 543 00:25:56,800 --> 00:25:59,600 Speaker 3: and I against each other, So how are we going 544 00:25:59,640 --> 00:26:02,080 Speaker 3: to deal with It's like, what's the most fair way 545 00:26:02,440 --> 00:26:05,160 Speaker 3: to split the electricity? J You work from home five 546 00:26:05,240 --> 00:26:07,879 Speaker 3: days a week and I don't yeap. Like that's an 547 00:26:07,960 --> 00:26:11,840 Speaker 3: adult and very helpful conversation to have instead of getting 548 00:26:11,840 --> 00:26:14,560 Speaker 3: frustrated and being like Georgia, you work from home and 549 00:26:14,640 --> 00:26:16,919 Speaker 3: you use more electricity and it's unfair. 550 00:26:17,040 --> 00:26:19,440 Speaker 1: Yeah, and they might not have even thought about it exactly, 551 00:26:19,480 --> 00:26:21,520 Speaker 1: just like have the chat. Don't let resentment build for 552 00:26:21,560 --> 00:26:21,960 Speaker 1: no reason. 553 00:26:22,000 --> 00:26:24,040 Speaker 3: Yeah, And nine times out of ten the other person's 554 00:26:24,119 --> 00:26:25,000 Speaker 3: just oblivious. Yeah. 555 00:26:25,040 --> 00:26:27,000 Speaker 1: And you're like, I can't believe they're audacity and they 556 00:26:27,080 --> 00:26:29,920 Speaker 1: it's like they don't know, Like just tell them, yeah, 557 00:26:30,040 --> 00:26:33,080 Speaker 1: yeah for sure. Okay. The next lot here is our 558 00:26:33,200 --> 00:26:36,440 Speaker 1: food tips. V Lord Courtney in our group said that 559 00:26:36,480 --> 00:26:38,560 Speaker 1: when it comes to food, it really pays to be 560 00:26:38,600 --> 00:26:41,359 Speaker 1: as organized as you can, which really makes sense. Plan 561 00:26:41,480 --> 00:26:44,720 Speaker 1: ahead so that you don't end up at the supermarket 562 00:26:44,840 --> 00:26:47,520 Speaker 1: night after night by yeah, you know, more chips. 563 00:26:47,720 --> 00:26:50,320 Speaker 3: Yeah. And one hot tip that I have is have 564 00:26:50,400 --> 00:26:53,520 Speaker 3: a few backup meals in the pantry, things that last. 565 00:26:53,960 --> 00:26:57,480 Speaker 3: So have some pasta and a few like packet sources, 566 00:26:57,520 --> 00:26:59,399 Speaker 3: and I know that. You know, maybe you're a good 567 00:26:59,520 --> 00:27:02,239 Speaker 3: chef and you want to cook everything from scratch, but 568 00:27:02,280 --> 00:27:04,480 Speaker 3: I guarantee you if you've just come home from work 569 00:27:04,560 --> 00:27:06,639 Speaker 3: or UNI or whatever you've been doing that day and 570 00:27:06,640 --> 00:27:08,560 Speaker 3: you're exhausting, you're like, I don't want to go to 571 00:27:08,560 --> 00:27:10,679 Speaker 3: the supermarket. You've got a back up. It was a 572 00:27:10,720 --> 00:27:13,199 Speaker 3: really cost effective backup that's in the pantry for the 573 00:27:13,240 --> 00:27:15,320 Speaker 3: times where you're just a bit tired, don't want to 574 00:27:15,359 --> 00:27:17,520 Speaker 3: go and do the supermarket, but would have leaned on 575 00:27:17,600 --> 00:27:18,080 Speaker 3: New Breats. 576 00:27:18,160 --> 00:27:18,679 Speaker 1: Yeah, exactly. 577 00:27:18,680 --> 00:27:21,600 Speaker 3: So have a few backup meals and factor that into 578 00:27:21,600 --> 00:27:24,120 Speaker 3: the budget to have in the pantry. Make sure they're 579 00:27:24,119 --> 00:27:25,600 Speaker 3: long lasting though, because you don't want to go to 580 00:27:25,600 --> 00:27:27,560 Speaker 3: the supermarket everywhere and be like, oh, heaps of fresh 581 00:27:27,640 --> 00:27:30,080 Speaker 3: produce and veggies and then they go off and you're 582 00:27:30,080 --> 00:27:32,840 Speaker 3: throwing them out. Like we're thinking long term, So like 583 00:27:32,960 --> 00:27:34,960 Speaker 3: frozen veggies in the freezer, which. 584 00:27:34,760 --> 00:27:37,920 Speaker 1: Are really good sources of nutrients, and having like some 585 00:27:38,000 --> 00:27:40,360 Speaker 1: pasta and like maybe some sauces that you can use, 586 00:27:40,359 --> 00:27:44,360 Speaker 1: which I think are really helpful or better yet, if. 587 00:27:44,160 --> 00:27:46,679 Speaker 3: You're cooking, always cook an extra meal and chuck it 588 00:27:46,720 --> 00:27:49,520 Speaker 3: in the freezer. Much She's gonna thank you for that one. 589 00:27:49,520 --> 00:27:51,439 Speaker 1: And we're all about future you aren't we you? We 590 00:27:51,560 --> 00:27:54,760 Speaker 1: absolutely are sticking to a price limit on groceries. Also 591 00:27:54,800 --> 00:27:57,200 Speaker 1: a hot tip that I used to try and do. 592 00:27:57,760 --> 00:28:01,040 Speaker 1: I think i'd stick around the sixty to eighty a week. Yeah, 593 00:28:01,160 --> 00:28:03,480 Speaker 1: that's pretty all right. Yeah, and I'd be like, oh, 594 00:28:03,560 --> 00:28:05,000 Speaker 1: do you need that extra thing? Maybe not? 595 00:28:05,440 --> 00:28:07,920 Speaker 3: Yeah? And hot tip to make you think about it 596 00:28:08,040 --> 00:28:10,399 Speaker 3: more while you're actually shopping, because it's so easy to 597 00:28:10,400 --> 00:28:13,000 Speaker 3: slip another block of chocolate into the cart, take the 598 00:28:13,040 --> 00:28:16,280 Speaker 3: cash out, Yeah, spend that for a while. Yet know 599 00:28:16,400 --> 00:28:18,080 Speaker 3: that that eighty bucks is in your wallet and you 600 00:28:18,119 --> 00:28:20,000 Speaker 3: can't go over it because you don't have anymore. So 601 00:28:20,040 --> 00:28:23,320 Speaker 3: you're going to be more conscious going around the supermarke 602 00:28:23,359 --> 00:28:25,960 Speaker 3: and be like, oh do I need it? Yeah, I've 603 00:28:25,960 --> 00:28:27,640 Speaker 3: got that. And you might know that you've only spent 604 00:28:27,720 --> 00:28:30,080 Speaker 3: sixty bucks so you can have the chocolate. Yeah, exactly. 605 00:28:30,160 --> 00:28:32,000 Speaker 3: We just don't want unnecessary spending. 606 00:28:32,200 --> 00:28:34,960 Speaker 1: Yeah. Final tip is, of course, to get around gossips 607 00:28:35,000 --> 00:28:38,000 Speaker 1: wine four dollars a bottle Georgia. You're gonna love it, 608 00:28:38,440 --> 00:28:40,880 Speaker 1: are you. We used to pretend we were just cooking 609 00:28:41,040 --> 00:28:44,320 Speaker 1: a stew. Your sister and I yeah, of course you were. 610 00:28:44,600 --> 00:28:47,440 Speaker 1: We just need the six we're making a stewicer. Oh 611 00:28:47,480 --> 00:28:49,160 Speaker 1: and ye that'll be twenty dollars. 612 00:28:49,200 --> 00:28:53,040 Speaker 3: You cheap, cheap lady. I don't think I could get 613 00:28:53,080 --> 00:28:54,240 Speaker 3: around Gossip's wine. 614 00:28:54,320 --> 00:28:58,080 Speaker 1: Probably not. Now to the finer things, yeah, the finer 615 00:28:58,120 --> 00:29:01,640 Speaker 1: things in life, like six dollar bottles, But yeah, I 616 00:29:01,640 --> 00:29:04,480 Speaker 1: think I think that's one thing that can really add up. 617 00:29:04,600 --> 00:29:07,680 Speaker 1: And you know, again, when I was at UNI, food 618 00:29:07,760 --> 00:29:10,760 Speaker 1: did get out of control quite often. I'm someone who 619 00:29:10,840 --> 00:29:14,480 Speaker 1: loves having my friends over and entertaining, and I'd always 620 00:29:14,480 --> 00:29:15,880 Speaker 1: feel like, oh, I had to cook them the meal. 621 00:29:16,240 --> 00:29:18,680 Speaker 1: So get around it. If someone's going to come. 622 00:29:18,600 --> 00:29:21,120 Speaker 3: Over, hey, gee, you bring the wine, I'll cook dinner. 623 00:29:21,200 --> 00:29:23,520 Speaker 3: And just like have conversations that are a little bit 624 00:29:23,520 --> 00:29:25,280 Speaker 3: more money conscious because they're going to pay off in 625 00:29:25,320 --> 00:29:27,440 Speaker 3: the long term and make everybody feel a little bit 626 00:29:27,480 --> 00:29:28,280 Speaker 3: more equitable. 627 00:29:29,120 --> 00:29:33,520 Speaker 1: And also remember we did that a cookbook online last year. 628 00:29:33,720 --> 00:29:36,239 Speaker 3: We tell friend Millie Padulla, who is one of the 629 00:29:36,240 --> 00:29:38,840 Speaker 3: most delightful humans an angel. I follow her on Instagram. 630 00:29:38,920 --> 00:29:40,120 Speaker 3: She's getting like real popular. 631 00:29:40,200 --> 00:29:42,400 Speaker 1: She is Dietitian edition if you want to follow her. 632 00:29:42,480 --> 00:29:46,040 Speaker 1: But we we collaborated last year and did a big 633 00:29:46,040 --> 00:29:49,920 Speaker 1: cookbook with lots of budget recipes, which, yeah, now she's 634 00:29:49,960 --> 00:29:55,760 Speaker 1: gone viral. Love Your Meal v. To round out today's show, 635 00:29:55,760 --> 00:29:58,000 Speaker 1: there was a final tip from Jess in our group, 636 00:29:58,280 --> 00:30:00,320 Speaker 1: who said that we do need to be careful about 637 00:30:00,320 --> 00:30:02,680 Speaker 1: who we choose to live with, because it's true living 638 00:30:02,800 --> 00:30:04,480 Speaker 1: with friends can be risky. 639 00:30:04,680 --> 00:30:08,360 Speaker 3: Any thoughts on that really hard again communication. I've seen 640 00:30:08,400 --> 00:30:11,760 Speaker 3: a lot of friendships dissolve completely because they've moved out 641 00:30:11,760 --> 00:30:15,240 Speaker 3: with their best friend ever and then it's hit the fan. 642 00:30:16,160 --> 00:30:18,120 Speaker 3: I think you just need to be really conscious of 643 00:30:18,160 --> 00:30:21,400 Speaker 3: it because it can be really hard. I have lived 644 00:30:21,400 --> 00:30:23,560 Speaker 3: with my best friend, so Steph and I live together 645 00:30:23,600 --> 00:30:25,920 Speaker 3: for like three years or just over that, which I 646 00:30:26,280 --> 00:30:28,160 Speaker 3: is a pretty good stint when it comes to having 647 00:30:28,200 --> 00:30:31,480 Speaker 3: a housemate, and there were some hot times where it's 648 00:30:31,520 --> 00:30:34,080 Speaker 3: got a little bit spicy between the two of us, 649 00:30:34,560 --> 00:30:37,600 Speaker 3: but I guess both of us having psychology degrees and 650 00:30:37,760 --> 00:30:41,760 Speaker 3: being relatively good at communicating, they never lasted too long. 651 00:30:41,880 --> 00:30:43,880 Speaker 3: But I think you need to really evaluate who you 652 00:30:43,920 --> 00:30:47,040 Speaker 3: do live with because it can get pretty nasty if not. 653 00:30:47,080 --> 00:30:49,040 Speaker 3: I'm not trying to be scary, but like, if you 654 00:30:49,120 --> 00:30:51,240 Speaker 3: really value that friendship and don't want to put it 655 00:30:51,280 --> 00:30:56,240 Speaker 3: at risk, Like saying that is putting that relationship first, 656 00:30:56,280 --> 00:30:57,920 Speaker 3: and I think that's really nice. I feel like, oh, 657 00:30:57,920 --> 00:31:00,520 Speaker 3: I would never want to lose that friend. We both 658 00:31:00,680 --> 00:31:03,120 Speaker 3: be hot headed and I just don't want it to 659 00:31:03,120 --> 00:31:05,560 Speaker 3: blow up. I think it's really important but also really 660 00:31:05,600 --> 00:31:08,000 Speaker 3: important to remember that more often than not, your housemate 661 00:31:08,120 --> 00:31:11,880 Speaker 3: is very unaware of how your pentapanger is building up, 662 00:31:11,960 --> 00:31:14,560 Speaker 3: Like they don't know, they've got no idea. Talk to them, 663 00:31:14,960 --> 00:31:17,960 Speaker 3: Like so many times. I remember when I was like eighteen, 664 00:31:18,120 --> 00:31:20,080 Speaker 3: just moved out. I moved out with like a relatively 665 00:31:20,160 --> 00:31:22,480 Speaker 3: large group of people and not always be so frustrated, 666 00:31:22,680 --> 00:31:23,520 Speaker 3: but no one knew. 667 00:31:23,360 --> 00:31:24,320 Speaker 1: I was frostrated. 668 00:31:25,360 --> 00:31:29,520 Speaker 3: So yeah, talk to them, have chats, be good at communication, 669 00:31:29,840 --> 00:31:34,520 Speaker 3: and don't be accusatory when trying to have discussions because regardless, 670 00:31:34,560 --> 00:31:39,080 Speaker 3: like now this is a relationships podcast, but in any situation, 671 00:31:39,160 --> 00:31:41,360 Speaker 3: whether that is work or life or with your partner, 672 00:31:41,720 --> 00:31:44,360 Speaker 3: Like if you accuse someone of something, they're gonna immediately 673 00:31:44,400 --> 00:31:47,360 Speaker 3: be defensive. Because if I go, Georgia, you did X. 674 00:31:47,760 --> 00:31:49,320 Speaker 3: If you did it, you're gonna be like, oh, I 675 00:31:49,400 --> 00:31:52,040 Speaker 3: have to be defensive because like they're seeing this is 676 00:31:52,080 --> 00:31:54,400 Speaker 3: a bad thing. If they didn't do it. They're going 677 00:31:54,480 --> 00:31:57,600 Speaker 3: to be defensive because they have to defend themselves because 678 00:31:57,640 --> 00:32:00,280 Speaker 3: you've just said something incorrect. Whereas if you go, hey, 679 00:32:00,400 --> 00:32:03,640 Speaker 3: I feel, and the I feel comments are really helpful, 680 00:32:03,760 --> 00:32:07,280 Speaker 3: especially when it comes to housemates or hey, there's this 681 00:32:07,400 --> 00:32:09,880 Speaker 3: issue that we need to solve together, is really helpful. 682 00:32:10,040 --> 00:32:12,120 Speaker 3: Sounds a bit fluffy, but I promise you it will 683 00:32:12,120 --> 00:32:12,720 Speaker 3: come in handy. 684 00:32:12,800 --> 00:32:14,960 Speaker 1: It's good and face to face. Don't don't be sending 685 00:32:14,960 --> 00:32:17,280 Speaker 1: those passive messages girls. 686 00:32:17,600 --> 00:32:20,560 Speaker 3: No passive aggressive Facebook messages to the group. Once you've 687 00:32:20,640 --> 00:32:24,760 Speaker 3: left the house. No passive aggressive notes left in the fridge. 688 00:32:24,840 --> 00:32:27,280 Speaker 3: You talk to your housemate like the person that they are. 689 00:32:27,880 --> 00:32:31,760 Speaker 3: If we could do an entire housemate Tales podcast, wouldn't 690 00:32:31,800 --> 00:32:33,640 Speaker 3: we just It wouldn't even just be an episode. It 691 00:32:33,640 --> 00:32:34,680 Speaker 3: to be a serious. 692 00:32:34,320 --> 00:32:37,120 Speaker 1: Week past past housemates in on the mi. 693 00:32:37,760 --> 00:32:41,240 Speaker 3: Like money da stories about our housemates. We are done here, 694 00:32:41,400 --> 00:32:44,640 Speaker 3: have fun moving out friends and share all your money 695 00:32:44,640 --> 00:32:46,720 Speaker 3: saving tips and tricks with us in the Facebook group. 696 00:32:46,760 --> 00:32:47,440 Speaker 3: But we want to hear it. 697 00:32:47,560 --> 00:32:49,000 Speaker 1: We love it absolutely. 698 00:32:49,120 --> 00:32:51,520 Speaker 3: But as always, just before we head off, we'd like 699 00:32:51,560 --> 00:32:54,840 Speaker 3: to acknowledge and pay respect to Australia's Aboriginal and Torres 700 00:32:54,840 --> 00:32:58,560 Speaker 3: Strait Island to people's they're the traditional custodians of the lands, 701 00:32:58,600 --> 00:33:02,200 Speaker 3: the waterways and the skies all across Australia. We thank 702 00:33:02,240 --> 00:33:04,280 Speaker 3: you for sharing and for caring for the land on 703 00:33:04,320 --> 00:33:07,000 Speaker 3: which we are able to learn. We pay respects to 704 00:33:07,080 --> 00:33:09,640 Speaker 3: elders past and present, and we share our friendship and 705 00:33:09,720 --> 00:33:11,040 Speaker 3: our kindness and. 706 00:33:10,920 --> 00:33:13,240 Speaker 1: The advice shared on She's on the Money is general 707 00:33:13,320 --> 00:33:16,800 Speaker 1: in nature and does not consider your individual circumstances. She's 708 00:33:16,800 --> 00:33:20,080 Speaker 1: on the Money exists purely for educational purposes and should 709 00:33:20,080 --> 00:33:22,080 Speaker 1: not be relied upon to make an investment or a 710 00:33:22,080 --> 00:33:25,880 Speaker 1: financial decision. And we promise Victoria Divine is an authorized 711 00:33:25,880 --> 00:33:29,880 Speaker 1: representative of Australia Pacific Funds Management Propriety Limited ABN three 712 00:33:29,960 --> 00:33:32,040 Speaker 1: four one three two four six three two five seven 713 00:33:32,080 --> 00:33:34,720 Speaker 1: AFSL through through nine one five one and Big Love 714 00:33:34,760 --> 00:33:38,440 Speaker 1: two large who has whipped together today's potty. 715 00:33:38,600 --> 00:33:41,160 Speaker 3: She'd be a great housemate, I think she would. She 716 00:33:41,240 --> 00:33:44,400 Speaker 3: makes a really good spicy margarita and that is very 717 00:33:44,440 --> 00:33:46,200 Speaker 3: good trait for any. 718 00:33:46,280 --> 00:33:47,600 Speaker 1: Oh speak of the devil. 719 00:33:47,800 --> 00:33:48,560 Speaker 3: She's just walked in. 720 00:33:48,600 --> 00:34:00,760 Speaker 1: We have happeny to go bye bye bye