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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it. She's on the Money, She's on

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

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Speaker 2: the podcast for millennials who want financial freedom. Today my

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Speaker 2: loves it is Friday, which means it is time to

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Speaker 2: get our team together and celebrate you our incredible She's

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Speaker 2: on the Money community. Today we're going to be sharing

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Speaker 2: our favorite money in as well. That's actually just a

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Speaker 2: great geys job. Hello. We're going to be helping answer

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Speaker 2: a juicy money dilemma, which this week is all about

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Speaker 2: how to record information on your tax return, and we're

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Speaker 2: going to be unpacking something new slid into our DMS,

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Speaker 2: about which this week is all about how to have

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Speaker 2: a conversation about splitting group gifts with friends, which I

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Speaker 2: think is gonna get a little bit spicy. But we

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Speaker 2: like spicy in this team, Yes, we do, certainly do.

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Speaker 3: My loves.

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Speaker 2: How have your weeks been, Jess, Let's start with you,

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Speaker 2: because I always feel like we throwed a beck.

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Speaker 3: Oh I was not ready.

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Speaker 2: I look, I looked. It's been good.

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Speaker 3: It's been a I would tell, like a normal good week,

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Speaker 3: just like doing things. It's a short week this week,

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Speaker 3: happy good Friday, be good if if you're listening.

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Speaker 2: I have the day of him. We're going to do

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Speaker 2: an Easter egg stop. I'm so excited. There's so many

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Speaker 2: little humans in our friend group and family at the moment,

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Speaker 2: and I just feel like times like this I just

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Speaker 2: made so much more special when there's like little people

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Speaker 2: who are excited about fantasy, Like isn't it like Easter

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Speaker 2: Bunny's coming? And they're like, holy, Holy, is that not

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Speaker 2: the most fun thing? Ever?

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Speaker 3: Yeah, how excited they get about it is the best.

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Speaker 3: My personal favorite part of the long weekend is the

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Speaker 3: day after the long weekend when all of.

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Speaker 2: These chocolate.

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Speaker 3: I will be buying every available part of kind eggs

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Speaker 3: that exists.

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Speaker 2: Hold up kindo egg I think I don't know they're

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Speaker 2: officially Bueno, but they taste like Bueno mini eggs. Okay,

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Speaker 2: if I see any I will pick them up for you.

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Speaker 2: Because I'm a nice person, so kind, and I also

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Speaker 2: know how to bribe. I'll bring something she's not going

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Speaker 2: to share. You know what she's going to do. I'm

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Speaker 2: onto Jess. She is incredibly generous, but she's going to

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Speaker 2: bring all of her Cadbury solid eggs that she doesn't

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Speaker 2: want anymore and share those with the team. Ah and

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Speaker 2: Gate keep the kinder Yeah maybe actually okay with that,

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Speaker 2: He's still she's still incredibly generous. But like the ones

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Speaker 2: she's sold us on, you got to leave her house.

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Speaker 4: I see, I see, I see saving the best for

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Speaker 4: the best.

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Speaker 2: For the last, Like when you share a meal with somebody.

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Speaker 2: I was talking to Steve about this the other day,

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Speaker 2: and I save my favorite part of the meal to

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Speaker 2: the very end. If there's like a good bit or

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Speaker 2: something crispy or like I don't know, really like mashed potato,

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Speaker 2: I will like leave that till last and eat or

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Speaker 2: may not favorite things first Steve just eats it first.

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Speaker 2: Is that rogue?

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Speaker 1: To you?

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Speaker 2: That is rogue.

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Speaker 4: My best friend does the exact same thing, she says,

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Speaker 4: in case she gets full, she wants to eat the

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Speaker 4: best thing first. No, no, no, you had to get

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Speaker 4: it over and done with.

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Speaker 2: But what about do you eat?

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Speaker 3: Like if you have a plate with four like you've

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Speaker 3: got some corn, some peas, some mashed potatoes, and some tofu.

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Speaker 2: You don't eat meat?

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Speaker 3: Do you go section by section? Or do you have

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Speaker 3: a little bit of peas, a little bit of corn,

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Speaker 3: some taties and jump around.

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Speaker 2: If there's a boiled broccoli, this is.

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Speaker 4: I'm going to go a boiled broccoli, boiled carrot, buy

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Speaker 4: itself first so I can get it out of the way.

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Speaker 2: And you don't use those as vehicles for the.

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Speaker 4: Mass like a wetness, Like to quench your thirst while

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Speaker 4: you eat?

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Speaker 2: Sometimes I do, but I prefer to just get it

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Speaker 2: out of the way. Where is this going quench your

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Speaker 2: thirst while you beat the carrot? You get it it's juicy,

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Speaker 2: I know it's moist. No, I like hop around the

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Speaker 2: plate and I kind of it's like the other day

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Speaker 2: I got sushi rolls right, and like I love like

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Speaker 2: I think they're called the Californian roles, but I don't

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Speaker 2: get the California, and I get like the tempura veggie

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Speaker 2: and cucumber, and then I get like there's like a

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Speaker 2: tiarchy tofu and anyway, so I get three of those rolls,

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Speaker 2: I will psycho or what, I will bite all three,

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Speaker 2: taste all three of them, and decide which is the

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Speaker 2: best one. I will then put the best one to

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Speaker 2: the side, eat the other ones, and then go back

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Speaker 2: to my favorite, so that I end on my favorite

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Speaker 2: because I don't want to start one of those roles

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Speaker 2: and then realize that that was the best role that

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Speaker 2: I had.

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Speaker 3: Yeah, and they're saying they have the same stuff and

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Speaker 3: they don't.

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Speaker 2: I don't want to eat that. And then like get

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Speaker 2: to the teriarchy tofu one and it's not as good

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Speaker 2: as it usually is. So got to taste test all

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Speaker 2: of them. And yesterday the tempio vegetable and cucumba was elite,

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Speaker 2: so I just I saved that for last. Then go

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Speaker 2: and if I'm getting a bit full, to counteract your

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Speaker 2: best friend's behavior, if I'm getting a bit full, all right,

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Speaker 2: well I'm going to give up the middle food and

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Speaker 2: go directly to the end and have all my favorite

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Speaker 2: food and then we're done.

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Speaker 3: And now you know more about us than you ever

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Speaker 3: needed to know.

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Speaker 4: Anyway, there, how are you? How's your week going? My

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Speaker 4: wek was so sick. The comedy vessel had started.

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Speaker 2: Oh my god.

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Speaker 4: Yeah, so I into two shows already. I want to

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Speaker 4: fit in more though. I want every second of my

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Speaker 4: day to be crammed, jam ACKed with love.

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Speaker 2: Comedy.

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Speaker 3: Such a Melbourne thing, isn't it? The comedy fast? Like

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Speaker 3: say tore it, but like it's so iconic, it's.

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Speaker 2: So good, it's so good.

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Speaker 4: So and obviously short week, Easter, whole week has just

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Speaker 4: been great.

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Speaker 2: It was your favorite person you saw.

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Speaker 4: I really like alex Ward, which I know is she's

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Speaker 4: not very I don't know, maybe she's famous, do.

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Speaker 2: You guys know alex Ward? No, but like you're gonna

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Speaker 2: make her famous putting her on this podcast.

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Speaker 4: Basically she's like a friend and a friend and also

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Speaker 4: and I didn't know that.

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Speaker 2: At the time, so famous.

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Speaker 4: Well you know, kin' well, technically, basically I don't know you.

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Speaker 2: That is not famous. There's a difference between famous and

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Speaker 2: infamous notorious. I guess it's a good thing. I see,

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Speaker 2: I see.

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Speaker 4: I'm gonna have to Yeah, I'm gonna have to try

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Speaker 4: and figure out what those two meanings are.

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Speaker 2: But she was really really good. Have you ever seen

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Speaker 2: any No? No, Because at the moment, I think we've

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Speaker 2: spoken about it, I'm not living close to the city

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Speaker 2: at the moment while they finish our renovation like an

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Speaker 2: hour and a half away. And this year when I

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Speaker 2: was trying to work out what I could go to,

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Speaker 2: I just I couldn't be bothered with the commute. And

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Speaker 2: after the last month March for us was massive and

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Speaker 2: we were, you know, traveling so much, I'm just like

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Speaker 2: becoming really evasive of any type of travel that is

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Speaker 2: not necessary. Like, if you want to put me in

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Speaker 2: a car, there's going to have to be a good

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Speaker 2: reason for it. This month fair enough. So yeah, I

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Speaker 2: couldn't justify it.

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Speaker 3: Is that perhaps some money when you're saving on fuel.

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Speaker 3: Let that go with that excellent segue from me.

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Speaker 4: Actually, sorry, Discourachi before we continue. Our producer is death

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Speaker 4: to talk about because actually, all morning.

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Speaker 2: We not give up enough about how weird we are.

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Speaker 2: When we explained our process of elimination of vegetables on

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Speaker 2: our plat, think we've opened.

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Speaker 4: The door, and we need to This is the only

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Speaker 4: opportunity you're going to get.

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Speaker 2: I mean, it's Easter, so like this doesn't come up often.

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Speaker 4: No, So we just want to know because all morning

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Speaker 4: we have been eating Easter eggs, unwrapping them carefully, hollow

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Speaker 4: Easter eggs.

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Speaker 2: The big boys, yeah, like time, but I do it

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Speaker 2: with the tiny ones. To do it with the tiny ones,

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Speaker 2: and then.

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Speaker 4: Smoothing the hell out of it until it is within

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Speaker 4: an inch of its life. It's like you iron the

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Speaker 4: foil with your fingertips, yes, or some people scrunch, which no, no, no,

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Speaker 4: that's like O behavior. We have agreed that in this team,

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Speaker 4: we all are smoothers, except for our producer and also

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Speaker 4: who apparently just rips up foil like a psychopath.

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Speaker 2: I wish I had known that before I became a friend.

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Speaker 2: I don't know if she's going to continue being our producer,

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Speaker 2: but I'm not. Who doesn't meticulously unwrap a foil egg

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Speaker 2: and then smooth out the like the foil and then

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Speaker 2: if it doesn't get any rips, this particular one that

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Speaker 2: looks like glass on the back of a water bottle lid. Yeah, yep,

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Speaker 2: I did that one and then I gifted it to

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Speaker 2: Beck because it was like a book, like a magar.

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Speaker 2: Give it a little shake.

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Speaker 4: I'm going to give it a little shake in the

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Speaker 4: mic for everyone listening at home.

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Speaker 2: You can how smooth it. That's starting ISMR. It's a

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Speaker 2: money win that I gifted that to you. But Jessica,

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Speaker 2: let's segue into the community money wins, because honestly, we're

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Speaker 2: gonna lose a lot of people who listen to this

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Speaker 2: podcast if we continue on the currentry trategery.

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Speaker 3: All right, well, let me start with a goodie this

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Speaker 3: week from Catherine, who said, I went back into working

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Speaker 3: in childcare after taking many years off. I found out

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Speaker 3: that my children get a sixty percent discount because I

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Speaker 3: work in the industry. So helpful considering I've got two

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Speaker 3: kids in daycare at the moment.

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Speaker 2: That's probly a really good money win.

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Speaker 3: Very good money when I feel like we might have

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Speaker 3: a few childcare workers out there. If you didn't know that,

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Speaker 3: now you know.

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Speaker 2: I actually love that. You guys deserve it as well,

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Speaker 2: because you're already underpaid from my perspective, So getting a

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Speaker 2: little bit of a money wins sixty percent. That command

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Speaker 2: that's good, not bad.

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Speaker 3: My next win comes from Vanessa, who said, I sold

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Speaker 3: some shares that had increased by just over five hundred dollars.

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Speaker 3: They didn't align with my values, and I'll be putting

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Speaker 3: the money into an ETF instead.

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Speaker 2: Oh see, that is a solid strategy. So I think

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Speaker 2: when we start our investing journeys sometimes we pick things

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Speaker 2: that in a couple of years when you know more

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Speaker 2: about investing. Here, oh, I wouldn't have had that, But

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Speaker 2: that doesn't mean you need to dispose of them immediately,

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Speaker 2: like waiting for a circumstance where they're up, they're putting

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Speaker 2: you in a good position. You can then dispose of

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Speaker 2: them and put them into something else like that's just

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Speaker 2: smart investing behavior, guys.

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Speaker 3: And as I said, you'll have some capital gains. But

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Speaker 3: her brother is an accountant and he'll sort it out

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Speaker 3: for her a tax time, double warnings, sick, double weird.

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Speaker 3: My next one comes from Tanya, who said, I had

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Speaker 3: to credit the dentist for what I thought was going

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Speaker 3: to be major work. Turns out just a normal scale

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Speaker 3: and polish and it was twelve dollars after my health

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Speaker 3: insurance raved dollars. Who's ever gone to the dentist and

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Speaker 3: walked out being what is this nineteen sixty two?

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Speaker 2: The dream just so good? Yeah? How cool is that? Yeah?

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Speaker 2: The economy's five? We're all wrong, we were all wrong.

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Speaker 2: That's actually incredible.

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Speaker 3: My next money comes from Danielle, who said, I managed

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Speaker 3: to consolidate my debt and now instead of having an

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Speaker 3: all a most twenty percent interest rate, it's going to

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Speaker 3: be sitting at around the eight percent mark.

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Speaker 2: Huge. Oh, how good is that? And I know that

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Speaker 2: obviously being in personal debts not something we all want,

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Speaker 2: but at the moment, I feel like a lot of

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Speaker 2: us are going to be leaning on this and we

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Speaker 2: just need to have open, honest, transparent conversations about what

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Speaker 2: it takes to get by. And if that's the case,

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Speaker 2: just find the best solution for you. Don't just go

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Speaker 2: with the first one that comes across. And if you've

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Speaker 2: got a number of personal debts, have a chat to

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Speaker 2: a finance broker who could maybe sit you down and go, okay, cool,

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Speaker 2: you've got you know, three debts across a credit card

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Speaker 2: and maybe two personal loans. How about we whack them

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Speaker 2: all together and get a lower interest rate for you.

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Speaker 3: Eight percent versus twenty percent. I Fegel got down here,

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Speaker 3: so money will be something there. Yeah, and then very

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Speaker 3: on them. For my last money win today from at Tina,

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Speaker 3: she said, free local Easter egg hunts are going around

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Speaker 3: at this time of year. Our local real estate agent

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Speaker 3: put an Easter egg hunt on for kids under twelve,

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Speaker 3: free ice cream and coffee, prize and color and competitions,

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Speaker 3: and then our daycare center will also be putting on

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Speaker 3: an Easter egg hunt.

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Speaker 2: Oh love. This made me think a lot.

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Speaker 3: My local council does one every year, so I feel like,

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Speaker 3: if you've got the kiddies and you're a bit strapped

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Speaker 3: for cash, it could.

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Speaker 2: Be a fun way to do something special. Cue. That

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Speaker 2: was one of my radio tips. So for those of

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Speaker 2: you who still listen to the radio, I have a

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Speaker 2: radio segment on Kiss FM and Gold one oh four

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Speaker 2: I Believe and also Mix which is wild and every

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Speaker 2: day I give like money tips and tricks. Yeah, that

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Speaker 2: was just one of my tips and tricks for this week.

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Speaker 2: Was like check your council websites and check your Facebook

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Speaker 2: groups and stuff and see what's going on. Because as

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Speaker 2: the cost of living continues to increase, like free activities

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Speaker 2: way more sexy than they used to be. Three used

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Speaker 2: to be good now. Free is epic. We love free,

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Speaker 2: especially when it's free chocolate. Yeah, oh yeah, one hundred percent.

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Speaker 2: I'm very excited for Easter, like given given there are

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Speaker 2: so many kids around, so many chocolates around, but I'm

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Speaker 2: making people do Easter activities like we are doing an

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Speaker 2: egg and spoon race. We are doing we are channeling

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Speaker 2: school fate, but in Victoria's backyard this week weekend. Yeah,

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Speaker 2: don't wait to update you guys. All right, let's go

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Speaker 2: to a really quick break on the flip side. We're

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Speaker 2: going to come back with a money dilemma. We want

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Speaker 2: to talk about how to record information on your tax return,

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Speaker 2: but then we're also going to be talking about how

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Speaker 2: to split group gifts for friends, because I think that

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Speaker 2: that can get a little bit topical, a little bit spicy,

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Speaker 2: not so diplomatic. So don't go anywhere, guys, We will

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Speaker 2: see you on the flip side. All right. You know

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Speaker 2: what time?

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Speaker 1: It is?

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Speaker 2: Money dollar time?

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Speaker 1: Yeah?

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Speaker 2: Hi, there. Have you got a money dilemma you just

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Speaker 2: can't solve. The Sheese on the Money Team is here

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Speaker 2: to help. Every week, we tackle your dilemmas, both big

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Speaker 2: and small, to answer your most burning money career and

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Speaker 2: life questions. To get involved, simply head to our website

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Speaker 2: and leave us a short voice recording and you might

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Speaker 2: just find yourself on the show. Now, let's take a

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

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Speaker 5: Hi lady, I love your work, love your podcast, and

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Speaker 5: wondering if you can help me with some information about

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Speaker 5: software or an app or an interface of some kind

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Speaker 5: to help me with my tax time each year, just

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Speaker 5: collecting my expenses and my income in an easier way

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Speaker 5: than I do it right now, which is by hand.

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Speaker 5: So thanks so much, I can't wait to hear what

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Speaker 5: you've got to say. And lots of hugs from Mandy.

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Speaker 2: Thanks by lots of bugs right, a billion hugs right back.

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Speaker 2: I am oh so wholesome. But also such a good question,

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Speaker 2: very good question. So many of us are probably still

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Speaker 2: doing it manually, and I'm even a little bit guilty

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Speaker 2: of this while I'm still the girl with the shoebox,

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Speaker 2: Like I still have a shoebox full of receipts and stuff.

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Speaker 2: It's like beside my desk, it's a designer shoebox. Does

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Speaker 2: that help? Does that okay? Or maybe worse? I'm not

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Speaker 2: claiming the shoes though, so that's maybe better moving on.

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Speaker 2: It's a really good question. And there are a million

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Speaker 2: different apps and stuff if you tie up tax into

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Speaker 2: the app store, and it's not helpful, right, But the

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Speaker 2: best app that I have come across is the most

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Speaker 2: boring recommendation. Are you ready for this? The Australian Taxation

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Speaker 2: Office have an app? Really, I do if I have

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Speaker 2: it on my phone. No, it's called the ATO app.

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Speaker 2: They're probably real proud of this one. I love them.

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Speaker 2: I think they're doing a really good job. But the

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Speaker 2: ATO app is essentially a really simple and easy way

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Speaker 2: for you to access and manage your tax and super

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Speaker 2: on the go, which is sounds like a it does

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Speaker 2: sound like I'm trying to sell it to you, which

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Speaker 2: I am, and you have and I have call, but

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Speaker 2: it's free. We love that. If you're an individual, or

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Speaker 2: you're a soul trader, or you even have a business,

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Speaker 2: you can access your personal tax and SUPER information on

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Speaker 2: that app. But there are also a whole heap of

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Speaker 2: really helpful features like tracking receipts really and keeping track

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Speaker 2: of things. And you know what it does, files it away,

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Speaker 2: so when you do ride that, I believe, correct me

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Speaker 2: if I'm wrong, But they also have if you're someone

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Speaker 2: who claims travel in your car because you use the

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Speaker 2: log book method more often than not, I'm pretty sure

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Speaker 2: there's a feature in that same app where you can

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Speaker 2: track your travel. So it's all plugged directly in as well.

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Speaker 2: All right, we'll just take the words right out of

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Speaker 2: my mouth, miss Treat. They also have another app. They

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Speaker 2: don't just have one app, They've got two apps. Look

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Speaker 2: at them. Go is called My Deductions brilliant, and it

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Speaker 2: is a record keeping tool so you can actually keep

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Speaker 2: record of all your work related expenses like vehicle trips

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Speaker 2: Jessica huge that you make in general expenses so maybe

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Speaker 2: like the cost of managing your tax affairs, or like

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Speaker 2: gifts or donations that you make, and then you can

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Speaker 2: upload these records a tax time to make lodging your

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Speaker 2: tax return a whole heap easier. I promise it is

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Speaker 2: actually really easy. The ATO have made that so that

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Speaker 2: absolutely everybody can just access it and use it like

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Speaker 2: it's a really simple interface, which, to be honest, and

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Speaker 2: I think is really important. But that's what I would recommend.

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Speaker 2: The at app and then the My Deductions app are

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Speaker 2: both of them are government runs, so you know that

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Speaker 2: it's not like trying to clip the ticket in the

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Speaker 2: background or like sell you something else, and you know

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Speaker 2: that you're not going to have to ever pay for them.

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Speaker 2: It's just a simple way to keep I guess your

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Speaker 2: record straight. If you don't want a app tholk, there

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Speaker 2: are going to be some people are out there that

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Speaker 2: are like, you don't have a smart Troyer. Yeah, and

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Speaker 2: if you're as lazy as me, so like I have

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Speaker 2: a smartphone, jess just can probably attest to this back.

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Speaker 2: Do I use it efficiently? Probably?

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Speaker 1: Not?

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Speaker 2: How many how many times do I answer the phone

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Speaker 2: when you call? It's like, it's not that's not even

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Speaker 2: what it's for. I am convinced that I have a

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Speaker 2: phone so that I can use TikTok Yep, that's it.

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Speaker 2: Don't try calling me machine. Why are you, Jessica trying

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Speaker 2: to interrupt me talking anyway? I am pretty basic, but

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Speaker 2: I'm also the bit complicated because I have business expenses

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Speaker 2: and personal expenses and all of that. And when you

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Speaker 2: have as many different entities as I do, I just

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Speaker 2: I put it all in one place. And I actually

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Speaker 2: have a folder on my phone called tax time two

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Speaker 2: two three, and I take photos of all my receipts

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Speaker 2: and pop them in there so that come tax time,

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Speaker 2: I just go to the one album, like taking a

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Speaker 2: photo of it good, but actually filing it into an

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Speaker 2: album so you don't have to like scroll back through

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Speaker 2: the six hundred million photos you've taken of your cat.

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Speaker 2: Really extra helpful. Yeah, yeah, so that's what I do,

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Speaker 2: the ato app that my deductions are app and then

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Speaker 2: if you don't want to do that, just taking photos

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Speaker 2: of everything and keeping it in one clean and clear

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Speaker 2: space so when you're doing your tax return it can

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Speaker 2: just be a much cleaner and simpler process because it

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Speaker 2: turns out having a designer shoe box beside your desk

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Speaker 2: is not that sexy. And to be honest, my accountant

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Speaker 2: last year threatened violence.

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Speaker 3: So yeah, well, you know what, talking about receipts and

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Speaker 3: doing things the manual difficult way. This week someone set

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Speaker 3: into our DMS to ask about splitting expenses.

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Speaker 2: Did they not?

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Speaker 5: They did?

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Speaker 2: And I feel like this can be a really do

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Speaker 2: we want to call it like spicy topic? Dam popped off?

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Speaker 2: The dams popped off, our social media manager says, the

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Speaker 2: dams popped off. It means it's slegit guy is serified.

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Speaker 2: So this week we got a question and we posted

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Speaker 2: it on our stories and the question was, Hey, girls,

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Speaker 2: I'm facing an annoying gamma at the moment with my

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Speaker 2: friends and I. I have a big group of around

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Speaker 2: fifteen girls, unrelatable content, and it is getting really hard

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Speaker 2: buying everyone at a birthday present. I feel like I

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00:19:33,280 --> 00:19:35,359
Speaker 2: can never quite afford it, and it just feels like

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Speaker 2: an expense that's unnecessary. Is there a way I can

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Speaker 2: go about this with my friends or an alternative I

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Speaker 2: can offer. Someone offered the idea of everyone puts in

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Speaker 2: what they can afford, but one of my friends didn't

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Speaker 2: like how people who put in ten dollars get the

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Speaker 2: same credit as people who might put in one hundred dollars,

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Speaker 2: which I think is silly. But anyway, I need help, Okay,

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Speaker 2: First week gift giving is not about getting credit. I

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Speaker 2: understand that, especially as you get older made be you

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00:20:00,680 --> 00:20:03,119
Speaker 2: know your income increases and you want to give a

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Speaker 2: better present. But I feel like the best gifts, and

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Speaker 2: some of my favorite gifts that I've gotten have been

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Speaker 2: gifts that perhaps weren't expensive, but they were very thoughtful.

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Speaker 2: It's the act of giving if you're giving just for

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Speaker 2: the sake of credit, I feel like you're not really

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Speaker 2: giving for the right reason. Yes, I mean I gave

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Speaker 2: beck that piece of tin foil before because I was

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00:20:20,480 --> 00:20:22,399
Speaker 2: really proud of it and I knew she'd appreciate it.

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Speaker 2: How do you save our life? Yes, this is this

438
00:20:24,600 --> 00:20:27,040
Speaker 2: is a free We would say maybe money. We made

439
00:20:27,080 --> 00:20:29,040
Speaker 2: like forty cents for the egg, but I didn't even

440
00:20:29,160 --> 00:20:31,000
Speaker 2: Analsa bought them for me. She says it was the

441
00:20:31,040 --> 00:20:32,920
Speaker 2: Easter Bunny, but I know she did it. I'm pretty

442
00:20:32,920 --> 00:20:35,639
Speaker 2: sure I saw a bunny though. Oh okay, Well, you

443
00:20:35,720 --> 00:20:39,280
Speaker 2: know what, I just don't believe Analisa, because it's not time.

444
00:20:39,359 --> 00:20:41,159
Speaker 2: Well it's not time for Easter Bunny to come, is it?

445
00:20:41,320 --> 00:20:44,840
Speaker 2: So what's he doing in my office? That's a fair question.

446
00:20:44,960 --> 00:20:46,960
Speaker 2: That's a fair question. And then I don't like being

447
00:20:47,040 --> 00:20:50,000
Speaker 2: lied to. No, Well that's okay. Look, this is such

448
00:20:50,040 --> 00:20:51,520
Speaker 2: a relatable topic.

449
00:20:51,600 --> 00:20:55,119
Speaker 4: I think I definitely have this exact same anxiety like

450
00:20:55,560 --> 00:21:01,119
Speaker 4: year round for anything, birthdays, Christmas, Easter, wedding, wedding weddings

451
00:21:01,119 --> 00:21:04,520
Speaker 4: are hard, Hen's parties, babies, like so many gifts you

452
00:21:04,600 --> 00:21:08,200
Speaker 4: gotta buy all the time. Again, unreal there are some

453
00:21:08,480 --> 00:21:12,639
Speaker 4: friends that I have, and it's we've genuinely come to

454
00:21:12,720 --> 00:21:15,119
Speaker 4: a mutual decision to not buy each other gifts, and

455
00:21:15,160 --> 00:21:17,439
Speaker 4: that's something we're both gonna stick to, you know, when

456
00:21:17,480 --> 00:21:19,159
Speaker 4: you come it comes to your birthday and they're like, oh,

457
00:21:19,240 --> 00:21:20,680
Speaker 4: I know that we said we're not going to buy gifts,

458
00:21:20,720 --> 00:21:21,679
Speaker 4: but I just bought you this sort of thing.

459
00:21:22,000 --> 00:21:23,399
Speaker 2: None of that, None of that.

460
00:21:23,600 --> 00:21:26,760
Speaker 4: So I guess like in this instance, maybe having that

461
00:21:26,800 --> 00:21:29,800
Speaker 4: conversation with the group of friends, it seems like they're

462
00:21:29,840 --> 00:21:31,320
Speaker 4: buying for each other anyway.

463
00:21:31,560 --> 00:21:34,520
Speaker 2: Having a conversation with my teen girlfriends that you buy

464
00:21:34,640 --> 00:21:36,440
Speaker 2: for to me is wild.

465
00:21:36,600 --> 00:21:37,639
Speaker 4: I don't know what that feels like.

466
00:21:39,200 --> 00:21:47,399
Speaker 2: Real friends. Yeah, one of them's jests believable. Let's all

467
00:21:47,480 --> 00:21:49,760
Speaker 2: agree not to buy each other gifts. Done, and that's

468
00:21:49,800 --> 00:21:52,919
Speaker 2: what you No, I'm not. I'm done, but I'm going

469
00:21:52,960 --> 00:21:53,440
Speaker 2: to be that friendly.

470
00:21:53,880 --> 00:21:57,440
Speaker 3: But I wouldn't but I wouldn't expect anything like you know,

471
00:21:57,560 --> 00:21:59,000
Speaker 3: if you're one of those, because that's probably a good

472
00:21:59,000 --> 00:22:00,920
Speaker 3: flip side is if you're or we've had this conversation,

473
00:22:00,960 --> 00:22:03,760
Speaker 3: if your love language is gift giving, it might be

474
00:22:04,080 --> 00:22:06,600
Speaker 3: something that really fulfills you, but you don't necessarily need

475
00:22:06,720 --> 00:22:09,320
Speaker 3: to get one back, so there's going to be people

476
00:22:09,400 --> 00:22:11,600
Speaker 3: on the other side of that as well.

477
00:22:11,600 --> 00:22:14,240
Speaker 2: I think that's such a relevant point. And we've talked

478
00:22:14,280 --> 00:22:17,280
Speaker 2: about gift giving and just love languages in general on

479
00:22:17,320 --> 00:22:22,280
Speaker 2: the podcast before, right, And it's interesting because I feel

480
00:22:22,280 --> 00:22:24,520
Speaker 2: like I know Jess really well now. One of her

481
00:22:24,560 --> 00:22:27,679
Speaker 2: love languages is gift giving, but also I know one

482
00:22:27,720 --> 00:22:31,800
Speaker 2: of her love languages is gift receiving. Yeah, she loves you,

483
00:22:32,240 --> 00:22:34,480
Speaker 2: she loves it, right, And that's okay, Like it's just

484
00:22:34,560 --> 00:22:37,120
Speaker 2: good to know. But if you look at me, gift

485
00:22:37,160 --> 00:22:39,440
Speaker 2: giving is one of my love languages. I don't like

486
00:22:39,480 --> 00:22:41,160
Speaker 2: getting gifts speed I'm the same as that. I feel

487
00:22:41,160 --> 00:22:44,280
Speaker 2: really awkward when people gift me something. I know it's

488
00:22:44,400 --> 00:22:48,600
Speaker 2: my birthday, and like, I love birthdays. I love celebrations.

489
00:22:48,680 --> 00:22:51,200
Speaker 2: I love the love that surrounds that. I love the

490
00:22:51,280 --> 00:22:55,359
Speaker 2: attention of people saying happy birthday. I feel really uncomfortable

491
00:22:55,400 --> 00:22:57,400
Speaker 2: when you gift me something and I don't have something

492
00:22:57,440 --> 00:23:00,400
Speaker 2: to reciprocate with. I just go oh, like and I'm

493
00:23:00,440 --> 00:23:03,720
Speaker 2: so grateful, right, Like, I love it. And I feel

494
00:23:03,760 --> 00:23:06,800
Speaker 2: like I'm surrounded by people who always give really thoughtful gifts,

495
00:23:06,920 --> 00:23:09,480
Speaker 2: so it always really appreciate it, but also I just

496
00:23:09,560 --> 00:23:14,320
Speaker 2: feel uncomfortable with that. Yeah, like it's okay, but it's

497
00:23:14,400 --> 00:23:17,879
Speaker 2: my love language to give gifts. Yeah, and I adore

498
00:23:17,960 --> 00:23:20,119
Speaker 2: doing it. I've probably done it to both of you

499
00:23:20,359 --> 00:23:22,600
Speaker 2: at some point where I've been like, oh, you said

500
00:23:22,640 --> 00:23:24,399
Speaker 2: you wanted this, or you said that you liked this,

501
00:23:24,640 --> 00:23:26,480
Speaker 2: or I thought you might have needed Like I am

502
00:23:26,560 --> 00:23:28,440
Speaker 2: that person that he is giving gifts even when it's

503
00:23:28,480 --> 00:23:30,240
Speaker 2: not your birthday, even when it's not Christmas. Like, I

504
00:23:30,359 --> 00:23:32,240
Speaker 2: just love that if I speak that I can help

505
00:23:32,680 --> 00:23:35,159
Speaker 2: or do something like I just it gives me this

506
00:23:35,480 --> 00:23:38,320
Speaker 2: deep sense of joy, right, I love it.

507
00:23:38,800 --> 00:23:41,639
Speaker 4: You did buy me Oliplex. I did because bleached to

508
00:23:41,720 --> 00:23:42,040
Speaker 4: a Believi.

509
00:23:42,200 --> 00:23:44,320
Speaker 2: Yeah, and you said, oh my gosh, I would love oliplex,

510
00:23:44,359 --> 00:23:46,280
Speaker 2: but it's so expensive. And then I had some Oliplex

511
00:23:46,280 --> 00:23:47,639
Speaker 2: at home, so I gifted it to you, and I

512
00:23:47,720 --> 00:23:49,480
Speaker 2: knew that you'd appreciate it because you'd said that you

513
00:23:49,560 --> 00:23:49,879
Speaker 2: wanted it.

514
00:23:49,960 --> 00:23:51,000
Speaker 4: It was really really beautiful.

515
00:23:51,200 --> 00:23:54,240
Speaker 2: But not everybody is like that, and that's okay. But

516
00:23:54,359 --> 00:23:58,000
Speaker 2: I think this is why money is so complicated, because

517
00:23:58,359 --> 00:24:01,720
Speaker 2: right now, the question at hand is about fifteen different

518
00:24:01,800 --> 00:24:05,399
Speaker 2: people or coming to a general consensus, and even sitting

519
00:24:05,480 --> 00:24:08,680
Speaker 2: at this table with just three, we can't come to

520
00:24:08,760 --> 00:24:11,240
Speaker 2: a general consensus on what we should and shouldn't do.

521
00:24:11,640 --> 00:24:16,040
Speaker 2: I think we're all relatively open minded, yeah, I think

522
00:24:16,040 --> 00:24:19,840
Speaker 2: we're all, but also just logical, Yeah, Like, it does

523
00:24:19,960 --> 00:24:24,000
Speaker 2: not make sense financially, just in this economy to be

524
00:24:24,440 --> 00:24:28,800
Speaker 2: buying everybody gifts. So I think at this particular table,

525
00:24:29,080 --> 00:24:30,760
Speaker 2: I think we'd all be like, well, that's done, let's

526
00:24:30,800 --> 00:24:32,240
Speaker 2: just not buy each other gifts. And I think we

527
00:24:32,280 --> 00:24:34,000
Speaker 2: would respect that, yeah, or just be.

528
00:24:34,080 --> 00:24:37,600
Speaker 4: Like, hey, let's set a limit five dollars each maximum. Yep,

529
00:24:37,760 --> 00:24:39,560
Speaker 4: just have a nice conversation with everyone, because if you

530
00:24:39,720 --> 00:24:42,600
Speaker 4: work out the math behind it all, that's fifteen different birthdays.

531
00:24:42,800 --> 00:24:43,800
Speaker 4: That's fifteen times.

532
00:24:45,200 --> 00:24:47,359
Speaker 2: More than once a month on average.

533
00:24:48,040 --> 00:24:50,080
Speaker 4: And then you've also like, it's not like they're your

534
00:24:50,119 --> 00:24:53,040
Speaker 4: only friends. You've probably got family, maybe maybe you've got

535
00:24:53,080 --> 00:24:53,520
Speaker 4: a partner.

536
00:24:53,840 --> 00:24:55,800
Speaker 2: There's more people, you're fifteen friends.

537
00:24:55,920 --> 00:24:58,439
Speaker 3: I just can't can't comprehend that as the person who

538
00:24:58,560 --> 00:25:01,399
Speaker 3: loves to receive gifts. As you said, no shame about it,

539
00:25:01,400 --> 00:25:03,879
Speaker 3: there's nothing wrong with that. But if someone said to me, hey, like,

540
00:25:04,000 --> 00:25:05,600
Speaker 3: financially it's really hard, can.

541
00:25:05,880 --> 00:25:06,840
Speaker 2: You wouldn't want the gift.

542
00:25:06,960 --> 00:25:09,200
Speaker 3: I'd be like, that's fine, Like I would have much

543
00:25:09,400 --> 00:25:11,800
Speaker 3: rather you be in a comfortable, happy position.

544
00:25:12,240 --> 00:25:14,440
Speaker 2: That's what I mean. You're logical, right, yeah, Like it's

545
00:25:14,520 --> 00:25:16,480
Speaker 2: not like Jess is like, well, myne needs need to

546
00:25:16,560 --> 00:25:19,640
Speaker 2: be met. She loves it. But I think that there's

547
00:25:19,720 --> 00:25:21,680
Speaker 2: also a line of like, Jess, would you love it

548
00:25:21,720 --> 00:25:23,200
Speaker 2: if you knew it financially crippled me?

549
00:25:23,440 --> 00:25:24,840
Speaker 3: Or if I knew it was stressing you out, I'd

550
00:25:24,880 --> 00:25:26,000
Speaker 3: feel so terrible exactly.

551
00:25:26,240 --> 00:25:29,239
Speaker 2: So I think that gift giving is important if it's

552
00:25:29,280 --> 00:25:32,200
Speaker 2: important to you, but we also need to I guess,

553
00:25:32,720 --> 00:25:36,879
Speaker 2: balance those opinions at the same time as balanced budgets.

554
00:25:36,960 --> 00:25:39,720
Speaker 2: And as you were saying, fifteen people, that's not even everybody.

555
00:25:40,160 --> 00:25:43,359
Speaker 2: So if we then included, let's pretend you've got a

556
00:25:43,440 --> 00:25:47,120
Speaker 2: wholesome nuclear family and you're buying for mum and dad

557
00:25:47,200 --> 00:25:50,000
Speaker 2: and siblings and aunts and uncles and grandparents, Like you're

558
00:25:50,040 --> 00:25:52,360
Speaker 2: buying at least two presents a month at this rate?

559
00:25:53,320 --> 00:25:57,480
Speaker 2: What who has the budget for that? Like it's unreasonable?

560
00:25:57,640 --> 00:26:00,600
Speaker 2: And then you know, I don't know how everybody else works,

561
00:26:01,080 --> 00:26:03,160
Speaker 2: But in my head, is this the thing? I don't

562
00:26:03,160 --> 00:26:05,240
Speaker 2: know if it's a thing. There's a gift giving hierarchy,

563
00:26:06,280 --> 00:26:08,200
Speaker 2: so I have that to some people get better presents

564
00:26:08,200 --> 00:26:11,320
Speaker 2: than others. Yes, yes, there's a gift giving hierarchy. So

565
00:26:11,520 --> 00:26:15,919
Speaker 2: like at the top of the pyramid, my parents, they

566
00:26:16,000 --> 00:26:19,000
Speaker 2: get the best presence, they get the most money allocated

567
00:26:19,040 --> 00:26:21,960
Speaker 2: to them. Then there's my sister. I like to remind

568
00:26:22,000 --> 00:26:23,840
Speaker 2: her that I don't spend as much on her as

569
00:26:23,880 --> 00:26:26,040
Speaker 2: I do with my parents. But she's my sister, so

570
00:26:26,160 --> 00:26:28,720
Speaker 2: she's going to get more than my best friend. But

571
00:26:28,960 --> 00:26:31,880
Speaker 2: they're my best friend. She probably gets more than Jess,

572
00:26:31,960 --> 00:26:34,320
Speaker 2: who's not my best friend, but he's a really close friend.

573
00:26:34,840 --> 00:26:38,000
Speaker 2: And then under that is everybody else, and it kind

574
00:26:38,040 --> 00:26:40,600
Speaker 2: of falls down in terms of how close you are

575
00:26:40,680 --> 00:26:43,640
Speaker 2: to me. But then the hierarchy gets mixed up again.

576
00:26:44,000 --> 00:26:47,800
Speaker 2: Beck like, yeah, depends what the occasion is, because that's

577
00:26:47,880 --> 00:26:51,159
Speaker 2: for birthdays. True, what if you're getting married, then you

578
00:26:51,240 --> 00:26:53,240
Speaker 2: might fly to the top of the hierarchy, because I

579
00:26:53,400 --> 00:26:56,399
Speaker 2: think from my perspective, I spend more on wedding gifts

580
00:26:56,440 --> 00:26:59,239
Speaker 2: than I would on birthdays or if you just had

581
00:26:59,280 --> 00:27:03,440
Speaker 2: a baby and we buy me baby stuff. One also,

582
00:27:04,160 --> 00:27:06,879
Speaker 2: that's a really good point, is this gift self serving

583
00:27:06,960 --> 00:27:10,399
Speaker 2: to me. I love buying baby stuff. The probability of

584
00:27:10,560 --> 00:27:13,240
Speaker 2: me buying you more baby stuff just purely because I

585
00:27:13,400 --> 00:27:16,840
Speaker 2: enjoy buying that stuff very high. You bought a horse,

586
00:27:16,960 --> 00:27:19,960
Speaker 2: probably not that interested in buyings, do you know what

587
00:27:20,040 --> 00:27:22,840
Speaker 2: I mean. Yeah, So there's like this hierarchy and I'm

588
00:27:22,880 --> 00:27:25,480
Speaker 2: not saying that that's everyone's experience, but like that just

589
00:27:25,600 --> 00:27:28,520
Speaker 2: means we can't average out the gifts and be like, Okay, Beck,

590
00:27:28,600 --> 00:27:31,680
Speaker 2: you should budget twenty dollars a month for gifts, because

591
00:27:31,720 --> 00:27:34,840
Speaker 2: that's not reflective of our experience. I also know some

592
00:27:34,960 --> 00:27:37,680
Speaker 2: people don't give gifts at all, full stop, end of story,

593
00:27:37,720 --> 00:27:40,160
Speaker 2: because they think that's that's silly, and that's cool yep,

594
00:27:40,280 --> 00:27:44,960
Speaker 2: totally because we're all different. Also, not everybody who wants

595
00:27:45,040 --> 00:27:49,120
Speaker 2: to give gifts can afford to give gift, true, exactly,

596
00:27:49,359 --> 00:27:51,879
Speaker 2: Like I'm in a very privileged position where I can

597
00:27:51,920 --> 00:27:55,680
Speaker 2: afford this, right, like, and I have an income that

598
00:27:55,800 --> 00:27:59,280
Speaker 2: can support that. You might have my personality and not

599
00:27:59,480 --> 00:28:02,040
Speaker 2: have the in come, and then that might break your

600
00:28:02,080 --> 00:28:04,200
Speaker 2: heart because like that's what you want to do, Like

601
00:28:04,280 --> 00:28:05,920
Speaker 2: you might want to get your friend a gift, but

602
00:28:06,040 --> 00:28:08,280
Speaker 2: it's just not not just someone in the budget and

603
00:28:08,320 --> 00:28:10,199
Speaker 2: it's not doable. So I think we need to address

604
00:28:10,240 --> 00:28:12,840
Speaker 2: all of that, because in that group of fifteen girls

605
00:28:12,920 --> 00:28:15,119
Speaker 2: that we're talking about, I'm sure that there are very

606
00:28:15,240 --> 00:28:16,600
Speaker 2: varying incomes.

607
00:28:16,440 --> 00:28:19,600
Speaker 3: And that hierarchy concept is probably applicable to in a

608
00:28:19,640 --> 00:28:22,560
Speaker 3: group so large, you would imagine that you probably would

609
00:28:22,560 --> 00:28:24,120
Speaker 3: be like you would have a couple of girls who

610
00:28:24,160 --> 00:28:26,399
Speaker 3: are really close. They're the first people that you go to,

611
00:28:26,840 --> 00:28:28,400
Speaker 3: and there would be other girls that you're really great

612
00:28:28,440 --> 00:28:31,119
Speaker 3: friends with, but maybe you're not so connected they're connected

613
00:28:31,160 --> 00:28:33,960
Speaker 3: with other people. Because when there's fifteen of you, you're

614
00:28:33,960 --> 00:28:35,880
Speaker 3: probably not going to have the same relationship with every person.

615
00:28:35,960 --> 00:28:37,520
Speaker 3: So then are you spending more on the ones you're

616
00:28:37,560 --> 00:28:40,840
Speaker 3: closer with? And then like the social complications come into play. Yeah,

617
00:28:41,040 --> 00:28:42,640
Speaker 3: it's a real tough situation.

618
00:28:42,840 --> 00:28:45,560
Speaker 2: And as it's not cut and narrow, right, No, I

619
00:28:45,680 --> 00:28:48,479
Speaker 2: might be closer to Jess, so come Jess's birthday, I'm like, oh,

620
00:28:48,840 --> 00:28:51,200
Speaker 2: I'll stick fifty bucks in that because I love Jess.

621
00:28:51,800 --> 00:28:54,680
Speaker 2: And then you know, Beck, you might come up to

622
00:28:54,760 --> 00:28:56,680
Speaker 2: Jess's birthday and you're like, well, I've only just joined

623
00:28:56,760 --> 00:28:58,440
Speaker 2: the show. I don't really know Jess as well as

624
00:28:58,520 --> 00:29:00,720
Speaker 2: Victoria does. I'm going to pull that twenty bucks in

625
00:29:00,880 --> 00:29:05,320
Speaker 2: or whatever. That's so fine. But then the question around

626
00:29:05,440 --> 00:29:07,760
Speaker 2: who gets credit, Like I just what I was.

627
00:29:07,840 --> 00:29:09,800
Speaker 3: Just going to say, coming back to that credit thing,

628
00:29:10,280 --> 00:29:13,640
Speaker 3: no shaming people for their contributions and their gifts, please,

629
00:29:13,760 --> 00:29:14,720
Speaker 3: that's so route.

630
00:29:15,560 --> 00:29:19,040
Speaker 2: Yeah, because to I guess, put a bit more context

631
00:29:19,120 --> 00:29:22,160
Speaker 2: into it. Using that exact example, twenty dollars to Beck

632
00:29:22,320 --> 00:29:25,600
Speaker 2: might be a whole heit more than what fifty dollars

633
00:29:25,720 --> 00:29:28,720
Speaker 2: means to me, the.

634
00:29:28,760 --> 00:29:31,800
Speaker 4: Cent of your income entirely for every single.

635
00:29:31,640 --> 00:29:35,640
Speaker 2: Person, Like what if Beck used the last twenty dollars

636
00:29:35,720 --> 00:29:37,920
Speaker 2: she had in her bank account this month to put

637
00:29:37,960 --> 00:29:41,040
Speaker 2: towards your present? Exactly crazy? But like, do you know

638
00:29:41,120 --> 00:29:44,680
Speaker 2: what I mean? Like that context of credit? Why is

639
00:29:44,760 --> 00:29:50,240
Speaker 2: it financial? Why isn't it the actual situation? Because in

640
00:29:50,360 --> 00:29:53,080
Speaker 2: that circumstance, if we're just using that as a base example,

641
00:29:53,160 --> 00:29:57,160
Speaker 2: Beck actually put in more than me. Beck actually valued

642
00:29:57,240 --> 00:30:01,120
Speaker 2: you more than I did in that circumstance, And I

643
00:30:01,200 --> 00:30:03,800
Speaker 2: think it's wild. I think, you know, to I guess

644
00:30:03,840 --> 00:30:05,320
Speaker 2: wrap this because I want to read out some of

645
00:30:05,360 --> 00:30:09,640
Speaker 2: the community contributions. From my perspective, I don't think group

646
00:30:10,040 --> 00:30:12,480
Speaker 2: gift giving is a good idea at a base level,

647
00:30:12,960 --> 00:30:15,720
Speaker 2: I think that if it's birthdays, a birthday comes around

648
00:30:15,840 --> 00:30:18,680
Speaker 2: every single year. To me, birthdays are really special that

649
00:30:18,840 --> 00:30:20,720
Speaker 2: celebrate the person. If you want to get them a

650
00:30:20,800 --> 00:30:23,480
Speaker 2: gift individually, you do, you boo. But I don't think

651
00:30:23,560 --> 00:30:26,080
Speaker 2: that there should be this like group circus around it.

652
00:30:26,560 --> 00:30:29,880
Speaker 2: But I do think that group gifts can and I

653
00:30:30,080 --> 00:30:31,960
Speaker 2: love it because I'm in that stage in my life

654
00:30:31,960 --> 00:30:34,480
Speaker 2: where my friends are getting married, right. I love giving

655
00:30:34,560 --> 00:30:38,040
Speaker 2: someone a more valuable gift. So, like, our friend group

656
00:30:38,160 --> 00:30:40,520
Speaker 2: goes in and instead of you know, getting you a

657
00:30:40,560 --> 00:30:44,400
Speaker 2: cutlery setback, we actually get you a really nice weekend

658
00:30:44,480 --> 00:30:48,200
Speaker 2: away for you and your new husband or wife or partner. Yeah, like,

659
00:30:48,400 --> 00:30:50,720
Speaker 2: and our friends put in for that, and that's what

660
00:30:50,920 --> 00:30:53,440
Speaker 2: we would. We just want you to have an experience,

661
00:30:53,520 --> 00:30:55,640
Speaker 2: or we want you to have something that's more high value.

662
00:30:56,040 --> 00:30:58,640
Speaker 2: When one of our friends had their first baby, we

663
00:30:58,800 --> 00:31:01,360
Speaker 2: all put in and we bought a and it was like,

664
00:31:01,720 --> 00:31:04,160
Speaker 2: prams are really expensive. I could not have bought that

665
00:31:04,320 --> 00:31:06,720
Speaker 2: for them. I probably could have afforded, you know, a

666
00:31:06,760 --> 00:31:09,880
Speaker 2: few smaller baby things. But when we all went in together,

667
00:31:10,240 --> 00:31:12,400
Speaker 2: they got their dream pram that they had already said.

668
00:31:12,440 --> 00:31:15,200
Speaker 2: It's probably not in the budget, and so I think

669
00:31:15,280 --> 00:31:19,680
Speaker 2: they're for things like that. Absolutely, But from my perspective,

670
00:31:19,800 --> 00:31:21,960
Speaker 2: group birthday giving unless it's like a thirtieth or like

671
00:31:22,040 --> 00:31:25,120
Speaker 2: a really big celebration where we are actually going to

672
00:31:25,160 --> 00:31:27,920
Speaker 2: a party and contributing, I just think annual birthday presents

673
00:31:28,400 --> 00:31:31,200
Speaker 2: for friends, especially not best friends tough, you know what.

674
00:31:31,360 --> 00:31:34,160
Speaker 4: Not in this economy, no economy economy.

675
00:31:34,240 --> 00:31:36,400
Speaker 3: I feel like the people had some really good suggestions

676
00:31:36,480 --> 00:31:39,560
Speaker 3: on alternative like methods or ideas that we could use.

677
00:31:39,720 --> 00:31:42,600
Speaker 3: Did you have any that stood out? TOVD You are correct, yess.

678
00:31:43,200 --> 00:31:45,680
Speaker 3: We have literally hundreds of responses, so I'm going to

679
00:31:45,760 --> 00:31:49,960
Speaker 3: read but a few. So one person said, I tend

680
00:31:50,000 --> 00:31:51,960
Speaker 3: not to buy because most of the time it costs

681
00:31:52,040 --> 00:31:53,600
Speaker 3: you money to attend the dinner.

682
00:31:53,720 --> 00:31:57,040
Speaker 2: If there is one great point, yep, yeah. Someone said

683
00:31:57,120 --> 00:32:01,640
Speaker 2: presence for big birthdays, I e. Thirtieth page baby, otherwise

684
00:32:01,920 --> 00:32:05,760
Speaker 2: rerecky slash lunch slash dinner, but no gift. Someone said,

685
00:32:06,040 --> 00:32:09,000
Speaker 2: if everyone's contributing, you should be setting a limit on

686
00:32:09,120 --> 00:32:11,959
Speaker 2: how much everyone can give so you can give up

687
00:32:12,040 --> 00:32:14,280
Speaker 2: to it a certain amount. That's a smart way. I

688
00:32:14,360 --> 00:32:17,040
Speaker 2: haven't not thought of that. Someone said, I buy my

689
00:32:17,160 --> 00:32:20,440
Speaker 2: friends gifts from myself and I don't ask for help.

690
00:32:20,680 --> 00:32:23,160
Speaker 2: They know exactly what I can afford and what I can't,

691
00:32:23,760 --> 00:32:27,760
Speaker 2: and I'm okay with that. Someone said presence over presents.

692
00:32:28,200 --> 00:32:32,040
Speaker 3: I love that presence with a ce over presents in case.

693
00:32:34,480 --> 00:32:37,160
Speaker 2: Sorry I tried. I tried.

694
00:32:37,600 --> 00:32:40,320
Speaker 4: It really threw me, actually see in your face, like,

695
00:32:40,440 --> 00:32:41,520
Speaker 4: I'm sure, people, I'm.

696
00:32:41,320 --> 00:32:42,840
Speaker 2: Going to fix this. I'm going to fix this.

697
00:32:43,240 --> 00:32:43,520
Speaker 4: Thank you.

698
00:32:44,040 --> 00:32:47,120
Speaker 2: Someone said a group of fifteen girls would be really expensive.

699
00:32:47,320 --> 00:32:49,800
Speaker 2: I only buy for a few of my close friends.

700
00:32:50,600 --> 00:32:53,080
Speaker 2: Someone else said, my friends and I don't do presents

701
00:32:53,120 --> 00:32:55,719
Speaker 2: at all. We just get together for some quality birthday

702
00:32:55,800 --> 00:32:59,520
Speaker 2: time love that I really like. There's been a few suggestions,

703
00:32:59,520 --> 00:33:00,760
Speaker 2: and I'm not going to read all of them out,

704
00:33:00,800 --> 00:33:03,240
Speaker 2: but a lot of people have said do DIY gifts.

705
00:33:03,600 --> 00:33:06,520
Speaker 2: Other people have said they avoid group gifts, and that

706
00:33:06,720 --> 00:33:08,440
Speaker 2: was a fair few of you, and I feel like

707
00:33:08,520 --> 00:33:10,680
Speaker 2: that makes sense because that's when it gets complicated one

708
00:33:10,720 --> 00:33:13,960
Speaker 2: hundred percent. But also the thing we haven't considered in

709
00:33:14,080 --> 00:33:19,160
Speaker 2: this circumstance is peer pressure, and like, Beck, what if

710
00:33:19,240 --> 00:33:22,320
Speaker 2: you and I really wanted to get Jesse present, but

711
00:33:22,400 --> 00:33:24,720
Speaker 2: then we have this other friend that's like I wasn't

712
00:33:24,760 --> 00:33:26,800
Speaker 2: going to get Jesse present. It can be awkward to

713
00:33:26,840 --> 00:33:28,520
Speaker 2: say no, yeah, it can be awkward to say me,

714
00:33:28,880 --> 00:33:31,800
Speaker 2: And then are they contributing to something else? And also

715
00:33:32,480 --> 00:33:35,600
Speaker 2: what if right, so, Jess is usually the ringleader in

716
00:33:35,640 --> 00:33:38,880
Speaker 2: this circumstance. She's a big, big gift giver and I

717
00:33:38,960 --> 00:33:41,280
Speaker 2: love it, But what if the rest of our team,

718
00:33:41,360 --> 00:33:43,120
Speaker 2: and thankfully they are, what if the rest of our

719
00:33:43,160 --> 00:33:45,719
Speaker 2: team weren't the same. What if Jess is like, oh,

720
00:33:45,840 --> 00:33:48,120
Speaker 2: I love giving gifts, Let's organize beck a gift. But

721
00:33:48,200 --> 00:33:51,200
Speaker 2: when it comes around to Jess's birthday, no one organizes.

722
00:33:50,680 --> 00:33:51,080
Speaker 1: It for her.

723
00:33:51,680 --> 00:33:56,080
Speaker 2: It'd be sad, yes, single tear, But like, is there

724
00:33:56,120 --> 00:33:58,800
Speaker 2: an expectation that this happens for every single one of

725
00:33:58,840 --> 00:34:01,360
Speaker 2: these fifteen girls that's putting into this? Or are there

726
00:34:01,400 --> 00:34:04,280
Speaker 2: going to be you know, fourteen times where people are

727
00:34:04,320 --> 00:34:06,960
Speaker 2: putting in and then that one time someone else misses out?

728
00:34:07,040 --> 00:34:08,160
Speaker 2: Like is this consistent?

729
00:34:08,320 --> 00:34:11,160
Speaker 3: Is if someone's financial position changes, Like if you in

730
00:34:11,280 --> 00:34:14,359
Speaker 3: January you're like, yeah, absolutely, I can put in fifty bucks,

731
00:34:14,400 --> 00:34:15,560
Speaker 3: and then by the end of the year you're like

732
00:34:16,440 --> 00:34:19,600
Speaker 3: no money left, like I care nothing like and then

733
00:34:19,600 --> 00:34:21,360
Speaker 3: are you character shit because you're not putting in the

734
00:34:21,400 --> 00:34:23,440
Speaker 3: same amounts, one's not getting as good as a gifts.

735
00:34:23,520 --> 00:34:26,239
Speaker 2: It's so hard, it's really tough. And then how do

736
00:34:26,320 --> 00:34:28,080
Speaker 2: you say no, I don't want to contribute to the

737
00:34:28,160 --> 00:34:32,960
Speaker 2: group present without feeling awkwarsh And I've said this before.

738
00:34:33,160 --> 00:34:36,560
Speaker 2: You should No is a full sentence, Like no, it's

739
00:34:36,600 --> 00:34:38,920
Speaker 2: absolutely a full sentence, and you can use that. You

740
00:34:39,040 --> 00:34:42,920
Speaker 2: don't have to justify anything. But my personality is to

741
00:34:43,280 --> 00:34:45,760
Speaker 2: you know, be like, oh, hey, beg Unfortunately I can't

742
00:34:46,000 --> 00:34:47,759
Speaker 2: because of this, this and this, because it makes me

743
00:34:47,880 --> 00:34:50,200
Speaker 2: more comfortable. I'm not saying you need to do that

744
00:34:50,760 --> 00:34:52,880
Speaker 2: because you could just say no, thank you, full stop,

745
00:34:53,000 --> 00:34:56,160
Speaker 2: end of story. But it's fine. How do you make

746
00:34:56,200 --> 00:34:58,040
Speaker 2: that not awkward? If I don't want to contribute to

747
00:34:58,080 --> 00:35:00,759
Speaker 2: the group present and they're mad because you like did

748
00:35:00,800 --> 00:35:02,520
Speaker 2: the maths in your head and you did, like fifteen

749
00:35:02,560 --> 00:35:04,920
Speaker 2: times twenty is this amount and we now have this

750
00:35:05,040 --> 00:35:07,120
Speaker 2: total amount to play with, And then by me pulling out,

751
00:35:07,200 --> 00:35:08,320
Speaker 2: is it making it more expensive?

752
00:35:08,320 --> 00:35:10,400
Speaker 4: And then it gets me I don't know, Yeah, it

753
00:35:10,440 --> 00:35:12,000
Speaker 4: gets a bit awkward to when you're like a group

754
00:35:12,040 --> 00:35:13,680
Speaker 4: of friends and one person doesn't want to pay, and

755
00:35:13,719 --> 00:35:15,400
Speaker 4: then you like, should we be petty and.

756
00:35:15,440 --> 00:35:16,279
Speaker 2: Not put them on the card.

757
00:35:16,640 --> 00:35:21,440
Speaker 4: Oh yes, but like because they didn't technically contribute it.

758
00:35:21,440 --> 00:35:23,440
Speaker 2: But that's like the credit that they're talking about. The

759
00:35:23,480 --> 00:35:25,719
Speaker 2: credit that they're talking about exactly. I feel like the

760
00:35:25,800 --> 00:35:28,120
Speaker 2: key takeaway here. I always put my dog on the card.

761
00:35:28,480 --> 00:35:32,840
Speaker 2: She doesn't contribute anything. Everyone just relax with the presence.

762
00:35:32,920 --> 00:35:34,120
Speaker 2: Let's give everyone credit.

763
00:35:34,160 --> 00:35:36,399
Speaker 4: If you're in the friendship group, is probably because you're

764
00:35:36,400 --> 00:35:39,520
Speaker 4: a good Person's because you've contributed somehow at some point.

765
00:35:39,600 --> 00:35:41,480
Speaker 2: So just put them on the card, no matter what

766
00:35:41,560 --> 00:35:42,440
Speaker 2: they're contributing.

767
00:35:42,520 --> 00:35:45,000
Speaker 3: Yeah, and sit down, all fifteen of you have a

768
00:35:45,000 --> 00:35:48,840
Speaker 3: little power. Talk it through and don't feel bad like

769
00:35:48,960 --> 00:35:51,640
Speaker 3: you're all friends here. Talk about what works for you.

770
00:35:51,680 --> 00:35:54,000
Speaker 3: And if that means that maybe the group gifts stop,

771
00:35:54,600 --> 00:35:57,200
Speaker 3: that's okay. So this episode, maybe it'll.

772
00:35:57,000 --> 00:35:58,920
Speaker 2: Help the rising cost of living. I just think we

773
00:35:59,000 --> 00:36:03,520
Speaker 2: should eat presents out in this economy. Economy. But let's

774
00:36:03,640 --> 00:36:06,040
Speaker 2: just call it like cost of living core, Like on

775
00:36:06,160 --> 00:36:11,120
Speaker 2: TikTok there's like, you know, a cottage court. It's cost

776
00:36:11,200 --> 00:36:14,440
Speaker 2: of living core. Budgeting now, really cool part of my

777
00:36:14,719 --> 00:36:18,799
Speaker 2: esthetic eating just beans on toast. It's not a bad dinner, Jess.

778
00:36:19,200 --> 00:36:22,120
Speaker 2: It's cost of living core. Oh my gosh, I think

779
00:36:22,160 --> 00:36:23,000
Speaker 2: I can make this happen.

780
00:36:23,280 --> 00:36:23,440
Speaker 5: Oh.

781
00:36:23,719 --> 00:36:25,799
Speaker 2: On that note, I'm going to go make this work

782
00:36:25,960 --> 00:36:28,160
Speaker 2: over the weekend and work out what is going to

783
00:36:28,200 --> 00:36:30,120
Speaker 2: be made up of my cost of living? Call like,

784
00:36:30,200 --> 00:36:32,479
Speaker 2: what's that esthetic actually look like? Tags in your story

785
00:36:32,880 --> 00:36:36,960
Speaker 2: in your cost of living cost Have the best weekend.

786
00:36:37,040 --> 00:36:38,880
Speaker 2: We love you and we will see you for a

787
00:36:38,920 --> 00:36:49,000
Speaker 2: money dary on Monday. Bye guys, Bye. The advice shared

788
00:36:49,080 --> 00:36:51,640
Speaker 2: on She's on the Money is generally nature and does

789
00:36:51,760 --> 00:36:55,680
Speaker 2: not consider your individual circumstances. She's on the Money exists

790
00:36:55,840 --> 00:36:59,040
Speaker 2: purely for educational purposes and should not be relied upon

791
00:36:59,120 --> 00:37:02,120
Speaker 2: to make an investment or financial decision. If you do

792
00:37:02,320 --> 00:37:05,240
Speaker 2: choose to buy a financial product, read the PDS TMD

793
00:37:05,480 --> 00:37:09,680
Speaker 2: and obtain appropriate financial advice tailored towards your needs. Victoria

794
00:37:09,760 --> 00:37:13,600
Speaker 2: Divine and She's on the Money are authorized representatives of Money.

795
00:37:13,640 --> 00:37:16,359
Speaker 2: Sheirper P T y lt D A b N three

796
00:37:16,440 --> 00:37:19,680
Speaker 2: two one six four nine two seven seven zero eight

797
00:37:20,000 --> 00:37:22,520
Speaker 2: AFS L four five one two eight nine