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Speaker 1: Hello.

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Speaker 2: My name is Santasha Nabananga Bamblet. I'm a proud or

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Speaker 2: the Order Kerni Whaltbury and a waddery woman. And before

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Speaker 2: we get started on She's on the Money podcast, I

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Speaker 2: would like to acknowledge the traditional custodians of the land

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Speaker 2: of which this podcast is recorded on a wondery country,

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Speaker 2: acknowledging the elders, the ancestors and the next generation coming

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Speaker 2: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 2: and the storytelling of you to make a difference for

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Speaker 2: today and lasting impact for tomorrow.

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Speaker 1: Let's get into it. She's on the Money. She's on

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Speaker 1: the Money.

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Speaker 3: Hello, and welcome to She's on the Money podcast that

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Speaker 3: makes personal finance fun, especially on Fridays. It is our

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Speaker 3: favorite day of the week because we get the team

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Speaker 3: together and we celebrate you the incredible She's on the

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Speaker 3: Money community. Mister Skrieky is here as always, and she's

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Speaker 3: going to be sharing our favorite money wins. I think

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Speaker 3: one of her money wins, Beck is going to be

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Speaker 3: discount easter eggs. Probably yep, fantastic.

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Speaker 1: Beck.

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Speaker 3: You're here obviously, and you're going to be sharing your

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Speaker 3: broke tips. We're going to be helping to answer a

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Speaker 3: money dilemma, which this week is all about setting boundaries

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Speaker 3: and knowing your worth and something that you slid into

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Speaker 3: our dms about what do you do when you want

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Speaker 3: to leave a relationship but you can't financially afford.

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Speaker 1: To do so?

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Speaker 3: Oh, I feel like that is a really good topic

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Speaker 3: to discuss. But before we get into the deep juicy stuff,

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Speaker 3: I need to know how have your weeks been, Jessica.

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Speaker 1: Have you gotten discount Easter eggs?

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Speaker 4: Oh?

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Speaker 5: You know, I was at the shop in the mornings

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Speaker 5: scooping them up, But you know what, half price this

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Speaker 5: year feels like full price last year.

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Speaker 1: So discussing, I'm getting why is that good? Why were

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Speaker 1: they fifteen dollars? Crazy?

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Speaker 5: I opted for baking all my Easter stuff this year

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Speaker 5: because I was just like, no, it's so.

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Speaker 3: Great, actually way better. And yeah, just made these like

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Speaker 3: Easter egg nests with.

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Speaker 1: What are they called the mini eggs?

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Speaker 3: Yep, the mini eggs, but like the conchy mini eggs. Oh,

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Speaker 3: she found them so.

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Speaker 6: Hard, hunt.

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Speaker 5: I had to buy the little individual tidy packets because

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Speaker 5: they were all God, I literally bought like fifteen I

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Speaker 5: was like, I feel like a bad person because I'm

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Speaker 5: taking all.

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Speaker 6: These nicecrew it I need them.

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Speaker 1: Yeah, but then she made it for me, so slaighty.

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Speaker 7: They're just so good and you're so cute, Jessa. It's

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Speaker 7: so sweet of you.

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Speaker 2: Cute.

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Speaker 6: I was your weekend, your Easter really nice?

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Speaker 7: My dad was randomly in Melbourne, so okay nice, Yeah random,

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Speaker 7: So that was a nice just like you know, extra

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Speaker 7: for the weekend. And then yeah, just saw some friends

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Speaker 7: ate a lot of chucky and yeah, having a great

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Speaker 7: time over here.

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Speaker 1: I love that about you.

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Speaker 3: Oh, mine was full of renovations actually, so we've recently

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Speaker 3: finished our bathrooms, which you'll see all over my social

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Speaker 3: media very very soon.

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Speaker 1: But I also decided, and I.

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Speaker 3: Feel like this is this is big, Jess is going

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Speaker 3: to be like I would never I have sacrificed my

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Speaker 3: walking wardrobe to make it my son's bedroom because we

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Speaker 3: have a split level house and upstairs there's one bedroom.

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Speaker 3: There was like a walking wardrobe downstairs were the additional bedrooms.

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Speaker 3: I didn't want Harvey to be like all the way downstairs,

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Speaker 3: like in the night, Like that just didn't fare like,

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Speaker 3: it just didn't feel right. So we have made a

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Speaker 3: very small bedroom upstairs by like knocking out a wall,

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Speaker 3: putting in a new one, and now I just have

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Speaker 3: an Ikea packs wardrobe like it's built into the wall.

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Speaker 3: We've done I would say a pretty good job of it,

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Speaker 3: but we've like built it into the wall as opposed

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Speaker 3: to having a walk in wardrobe. So we've lost a

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Speaker 3: lot of wardrobe space, which I don't think Jess would

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Speaker 3: ever consent to. But it means that Harvey can have

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Speaker 3: his own little bedroom upstairs, like right next to our bedroom.

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Speaker 3: Ye cute just feels right, Yeah that makes any sense.

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Speaker 1: I don't know.

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Speaker 3: I never thought i'd be this needy mum like Beck.

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Speaker 3: I just really didn't see this coming. Like I did

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Speaker 3: not think that I would be the mum that wants

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Speaker 3: to watch their baby on the monitor, like I screen

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Speaker 3: record him sometimes, Like I had this screen recording I

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Speaker 3: can show you later of him playing in his cut.

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Speaker 3: Once he woke up in the morning with one of

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Speaker 3: our cats, the most wholesome thing in the entire world.

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Speaker 3: He goes to sleep, I'm looking at videos and pictures

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Speaker 3: of him on my phone.

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Speaker 1: What that's so cute?

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Speaker 3: Like I can't be trusted And like I used to

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Speaker 3: think that the mums that were doing that I was like, weird, Okay,

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Speaker 3: have some you time, babe.

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Speaker 1: I don't want you time.

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Speaker 3: I want to look at pictures of my baby and

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Speaker 3: cry about how he's so much bigger than he was. Anyway,

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Speaker 3: it's been a very wholesome easter. Obviously, Harvey loved it.

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Speaker 3: I don't think he comprehends it, yees, because he's still

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Speaker 3: a little bit little for it. But he was very excited. Yeah,

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Speaker 3: because there was lots of colorful things and lots of

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Speaker 3: stuff on the ground that you could pick up, and

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Speaker 3: that's very fun. That was my weekend. Also, I've been

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Speaker 3: in the reviews. Do you guys want a five star review?

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Speaker 3: Absolutely before we get there. We did actually get a

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Speaker 3: couple of weeks ago saw this when I was looking

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Speaker 3: a two star review, which is hilarious because apparently, get this.

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Speaker 3: We should not be covering the budget because it's government based,

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Speaker 3: and somebody believes that only get this. Skilled journalists bring

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Speaker 3: a level of rigor and nuance that a lay person

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Speaker 3: might not achieve.

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Speaker 7: Well, Jess's face is like, but what the whole point

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Speaker 7: of this podcast is to make things more accessible to people?

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Speaker 1: I don't please agree that, Like.

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Speaker 5: You know, journalists do an incredible job, and they're so

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Speaker 5: important that they get no point.

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Speaker 6: Do we have a claim to be expert?

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Speaker 1: I actually do claim to be a finance expert.

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Speaker 3: Literally, I claim on a daily basis that I am

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Speaker 3: expert when it comes to finance, because I am.

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Speaker 1: I'm sorry.

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Speaker 3: I just thought it was so funny because obviously, like

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Speaker 3: there are so many beautiful people leaving beautiful reviews, but

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Speaker 3: like this two star one, I just thought was really

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Speaker 3: funny to bring up because I was like, do you

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Speaker 3: really think that I read this and go, yeah, you're right,

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Speaker 3: I wouldn't know how to interpret the budget or talk

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Speaker 3: about anything when it comes to politics.

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Speaker 6: Yeah, I mean, at least it was two stars and

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Speaker 6: not one.

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Speaker 3: Yeah, self aligning also cheers. But on the same page

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Speaker 3: we got another one that was five star. But if

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Speaker 3: you guys also think that maybe we should be covering

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Speaker 3: the budget, I loved covering the budget. I think I

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Speaker 3: was salty about that review because I was like, hold on,

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Speaker 3: I think we deciphered it in a really beautiful way

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Speaker 3: that made a lot of sense to our audience, and

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Speaker 3: we had so many nice messages from people saying I

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Speaker 3: have never engaged in the budget before until your episode,

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Speaker 3: or until your Instagram posts or until I saw you

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Speaker 3: guys like really getting into it and what it means

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Speaker 3: for me.

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Speaker 1: Yeah, I'm going to keep doing that.

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Speaker 3: Sorry, sorry, not sorry, but we got one five stars.

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Speaker 3: It's from Becky. She says, amazing, amazing, amazing. Hi, she's

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Speaker 3: on the Money Team. I just wanted to leave a

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Speaker 3: little review so that you guys know how much I

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Speaker 3: love your podcast. I'm a twenty four year old mum

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Speaker 3: of two toddlers and I need all of the broke tips, advice,

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Speaker 3: support and inspiration I can get. The podcast gives me

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Speaker 3: just that and more. I've started a master's degree in

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Speaker 3: accounting after leaving my healthcare job. As you three have

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Speaker 3: shown me my absolute love for money, numbers and still

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Speaker 3: being able to help people. I have you, guys to

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Speaker 3: thank for opening these doors for me. You three are

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Speaker 3: an absolute dynamic trio. I'm doing God's work for the

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Speaker 3: girlies and you.

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Speaker 1: Are also appreciated. Love you guys so much.

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Speaker 7: Oh my god, that is really beautiful. Congratulations, that's so sweet.

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Speaker 7: We love you, Thank you sweet, Thank you so much. Also,

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Speaker 7: look at this influence.

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Speaker 3: I don't know if you guys think this is as

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Speaker 3: sexy as I do, but more women in finance and accounting. Yeah, yeah,

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Speaker 3: I love to see it so much Like Masters.

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Speaker 7: That's incredible.

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Speaker 3: An icon who runs the World Girls exact. Oh, speaking

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Speaker 3: of the girls, tell me about the Facebook group. What

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Speaker 3: have our friends been up to? One of their favorite

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Speaker 3: money wins of the week.

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Speaker 5: Alrighty, first of this week, I have one from Chow Chow,

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Speaker 5: he said. I was sitting at home last night eating

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Speaker 5: a pint of salted caramel hugan Dos on my couch,

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Speaker 5: watching Netflix with my silly dog in my new apartment,

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Speaker 5: with a manageable mortgage and money in my offset account.

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Speaker 5: My bills are fully paid, my fridge is fully stocked,

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Speaker 5: and I am just loving my life.

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Speaker 7: Wow, my stomach felt really warm.

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Speaker 1: I also huggin us. Oh that I was going. He's

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Speaker 1: just so.

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Speaker 6: Good, gorgeous. I love the positive mind there. You love

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Speaker 6: to see it.

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Speaker 5: And she did give us a dog photo of said dog,

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Speaker 5: Chow Chow Dog.

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Speaker 1: Chow Chow Dog has a chow chow.

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Speaker 6: Oh my goodness, he's so fluffy. Girl. The photoguys he's adorable.

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Speaker 1: Oh my god.

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Speaker 3: Also, just a gentle reminder to the community, if you're

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Speaker 3: going to mention your dog and not give us a picture.

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Speaker 1: We do judge you. Pet taxis due ye.

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Speaker 5: Next of kind of money win from Teresa, who said

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Speaker 5: money win, I'm going to New Zealand for ten days

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Speaker 5: with free accommodation the whole time. Excuse me, how merely

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Speaker 5: by being an excellent friend. I haven't lived there for

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Speaker 5: fifteen plus years, but I still keep in touch with

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Speaker 5: all of my friends there. Some of them might even

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Speaker 5: chat to daily. I love that so much, right, and

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Speaker 5: I love the idea of yeah, staying with a friends cozy,

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Speaker 5: it's kitzy. Next, I've got a money win from Pullack,

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Speaker 5: who said money win. My Dyson vacuum stopped working, so

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Speaker 5: I reached out to Dyson customer support, who suggested I

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Speaker 5: either get a battery change, which would have been one

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Speaker 5: hundred and twenty dollars, or they could offer me twenty

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Speaker 5: five percent on off of a new purchase. I did

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Speaker 5: some research and I found the battery replacement off of

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Speaker 5: Amazon for forty dollars. It had great reviews and it

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Speaker 5: saved me eighty dollars total from what I would have

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Speaker 5: paid at Dyson.

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Speaker 3: That but also props to Dice and for good customer

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Speaker 3: service like they kind of said's out of warranty or

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Speaker 3: oh no, we don't do that, but they offered you

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Speaker 3: a discount on it.

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Speaker 1: That's pretty good, especially off dyce In.

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Speaker 6: Yeah, that's what I was thinking. You could probably stack

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Speaker 6: it with cash back too.

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Speaker 1: Exactly exactly started. That is great.

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Speaker 3: There is good cash back on Dyson as well, like

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Speaker 3: not being sponsored by any of those, but like, whenever

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Speaker 3: I see the cash back on Dyson, I'm like, maybe

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Speaker 3: I do need a new aerrap.

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Speaker 7: I know I don't need a new air rap that

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Speaker 7: you can get like up to twenty percent cash back,

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Speaker 7: which is so good cash back twenty five percent.

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Speaker 3: Maybe I'll just DM them they have like a live

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Speaker 3: chat function and be like, hey guys, I have working

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Speaker 3: dyce In products. But I did see that you released

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Speaker 3: a baby pink air wrap and I find that quite rude. Yeah,

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Speaker 3: get this baby pink and rose gold.

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Speaker 8: Oh anyway I could pretend that you have I can say, well,

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Speaker 8: I actually just think that's really rude because I have

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Speaker 8: a hot pink one and while that is really chic,

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Speaker 8: baby think would suit Jess.

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Speaker 1: Had my aesthetic much better?

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Speaker 6: Yeah you think it's beautiful?

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Speaker 3: Yeah, yeah, I had my hair draps so maybe it's

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Speaker 3: time for my hair drap. It would match my hair

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Speaker 3: dryer which I have in the baby Pink. Well, you've

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Speaker 3: got to have it exactly, say.

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Speaker 6: Set up the customer support chattered.

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Speaker 3: This is why Beck, I have to have my savings

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Speaker 3: at a different bank.

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Speaker 5: Next, I've got a money win from Nicole who said

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Speaker 5: I finally transitioned my old budget to the shees on

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Speaker 5: the money budget, and I've discovered a few places where

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Speaker 5: I could capture some lost savings.

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Speaker 1: Iconic or just love almost like I spent ages building

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Speaker 1: that to work.

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Speaker 6: Imagine.

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Speaker 5: Next, I've got the money win from Ruth, who said

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Speaker 5: she bought a dress she's wondered for ages the secondhand

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Speaker 5: off of Deep Hop. Instead of spending one hundred and

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Speaker 5: ninety dollars to buy it brain new she bought it

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Speaker 5: for sixty two dollars including shipping. And the bonus was

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Speaker 5: it had only.

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Speaker 6: Been worn once.

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Speaker 1: Oh how good is that?

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Speaker 6: I'm loving Deep Hop.

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Speaker 1: Oh my god.

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Speaker 3: I bought a pair of shoes off Deepop. I have

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Speaker 3: them in my car. I will show you them to you.

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Speaker 3: This is going to mean not a lot to Beck,

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Speaker 3: but like it. I bought a pair on Deepop of

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Speaker 3: vintage Manolo Blanets. Oh they cost me delivered eighty dollars,

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Speaker 3: which obviously eighty dollars on a pair of shoes, you

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Speaker 3: might go whatever, but there's like thousand dollar shoes. But

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Speaker 3: they're like a beautiful vintage pair and they had some

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Speaker 3: stains on them, but I cleaned them up and they

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Speaker 3: are perfect and I'm obsessed with them. And they're in

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Speaker 3: like my perfect size, like they're a thirty eight and

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Speaker 3: a half. Amaze, that is right, that's right. Anyway, deepop

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Speaker 3: is giving. Yeah, I got it was so cute, see

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Speaker 3: it was very happy with it. And then lastly this week,

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Speaker 3: I've got money in from Rannon who said she claimed

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Speaker 3: eleven dollars and seventy five cents for her cancer counsel

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Speaker 3: sunscreen through her health insurance.

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Speaker 1: Yes.

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Speaker 7: Good.

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Speaker 5: Just reminded to double check that we're coming towards end

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Speaker 5: of financial year, so claim your things, claim your things,

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Speaker 5: double check what you can claim to you because sunscreen

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Speaker 5: is a great one.

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Speaker 7: Oh I love that for us, and that did for

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Speaker 7: me this week. I was going to make a joke,

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Speaker 7: but it's too late now. Oh is it just give

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Speaker 7: your head too quick?

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Speaker 9: No?

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Speaker 7: It was relating to pet tags, and I was gonna say.

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Speaker 1: Oh, yeah, it's really delayed your that.

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Speaker 7: Sound statements delivery. But anyway, let's move on as quickly

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Speaker 7: as possible. So my broke tips if you'd like to hear,

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Speaker 7: of course, yep. This first one comes from Jock, which

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Speaker 7: is an interesting one. So you know, sometimes you go

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Speaker 7: to like parties or like you have people over and

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Speaker 7: you're like, I'm gonna get some snacks and they've suggested

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Speaker 7: cheesels instead of chips because it looks more impressive and

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Speaker 7: they're often cheaper.

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Speaker 3: I love a cheesel to It reminds me of like

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Speaker 3: a kindergarten party, Like the cheesels. They actually sit right

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Speaker 3: beside the fairy bread and they're across from the party

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Speaker 3: pie and like a little.

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Speaker 1: Plastic what did you used to call them?

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Speaker 3: I don't know, like the cocktail frankfurts, the like little

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Speaker 3: red frank fet Like.

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Speaker 1: No, I'm not actually a.

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Speaker 7: Little boy wiener.

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Speaker 3: So what I used to call them when I was

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Speaker 3: little was little boys, and I just really inappropriate. But

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Speaker 3: like when you were little, you didn't you wouldn't know,

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Speaker 3: you don't know, And then yes, I was trying to

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Speaker 3: say cocktail Frankfurt, Jessica, not weener.

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Speaker 7: Cocktail is just a suggestive yeah, but like.

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Speaker 1: Who doesn't love a little cocktail? Frank Fit.

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Speaker 3: We need the little toothpick though in it with a

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Speaker 3: little flag. We should have a kid's party at work, Conde.

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Speaker 7: I would love that.

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Speaker 1: Do you want what surely you had?

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Speaker 7: Cavanosi?

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Speaker 1: What is Cavanossi?

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Speaker 7: He's basically saying he's just like harder, more gristly, way,

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Speaker 7: less yummy and like you know, long long, like the

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Speaker 7: red twiggs called twiggy sticks. Sorry it must be used

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Speaker 7: other whales thing.

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Speaker 2: I have.

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Speaker 1: Tweaky stick.

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Speaker 10: Hey everyone, editor Sam here, and I was listening to

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Speaker 10: this audio. I heard the girls guess the Cavanossi is

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Speaker 10: twiggy sticks. Knew immediately that if we didn't correct that

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Speaker 10: the dms would blow up with people letting them know.

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Speaker 10: So just want to let everyone know. I've informed them,

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Speaker 10: and they wanted me to let you know that they

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Speaker 10: now know the very specific difference between these meats. Not

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Speaker 10: really sure why we're doing a full sandwich meat conversation,

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Speaker 10: but we are. Let's get back to it.

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Speaker 3: For a second, I thought she was going to go

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Speaker 3: on to explain like Devon, like you know, like the

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Speaker 3: smiley face devon. Oh yes, And you know what, when

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Speaker 3: I was growing up, I used to think I was

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Speaker 3: so hard done by it because so many kids in

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Speaker 3: my class got Devon sandwiches with tomato sauce, and like,

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Speaker 3: I used to trade my mum's sandwiches for those, And

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Speaker 3: in hindsight, like my mom used to bake the bread.

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Speaker 3: My mom used to make like these beautiful salad sandwiches,

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Speaker 3: and I would hate on them so hard for because

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Speaker 3: I'd be like, ill, she puts mail on them and

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Speaker 3: the mayo goes soggy and all they wanted was a

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Speaker 3: Devon and sauce sandwich. Yeah, strasin sauce is what they

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Speaker 3: called it. Yep, jealous.

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Speaker 7: You used to be crazy how everything's got a different

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Speaker 7: name every week go.

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Speaker 4: You know.

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Speaker 1: Yeah, it's like if I say, what's a prima?

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Speaker 6: Like a juice box?

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Speaker 1: But would you call them primus? You call them like,

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Speaker 1: no prima.

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Speaker 3: In my head, I thought of like hem, Yeah, so

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Speaker 3: like at school, we used to call them premias, and

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Speaker 3: I was having this conversation.

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Speaker 1: Brand, wasn't it Yeah yeah yeah, no, definitely different.

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Speaker 2: No.

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Speaker 3: I am glad that we got that whole sideline sorry, God,

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Speaker 3: how did we get there? How did we get to

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Speaker 3: Devin and jess Rickie?

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Speaker 7: Somehow we always end up in the same spot with

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Speaker 7: our broke tip money wins.

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Speaker 1: We really are. And I was gonna say, if you try.

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Speaker 7: And either do what our listener did with the dice

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Speaker 7: and kind of reach out. I just recommend if anything

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Speaker 7: breaks anywhere in the world in something you know, something

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Speaker 7: that you own, let's say your dice and hair app

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Speaker 7: or whatever. Try And I was going to say, market

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00:16:51,760 --> 00:16:53,920
Speaker 7: go and market place and look for the parts or

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Speaker 7: google the parts and.

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Speaker 1: Just choose a hand. Deep down you have.

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Speaker 7: My robot vacuum, like the little brushy thing e. I

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Speaker 7: replace those myself. Yes, And some people will be like,

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Speaker 7: I don't understand what's happening here. I'm just gonna get

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Speaker 7: a whole new, brand new one, you know, And so

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00:17:09,440 --> 00:17:11,399
Speaker 7: just just try and do that first, or yes, go

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Speaker 7: to customer service. I'm sure there's a cheaper way. If

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Speaker 7: you've bought it once, you shouldn't have to buy it

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Speaker 7: again and again, you.

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Speaker 6: Know what I'm saying.

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Speaker 7: Yes, and oh sorry that one came from Emma. I'm

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Speaker 7: giving you credit where credit is to you and my

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Speaker 7: one for this week is if you can afford it.

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Speaker 7: So just want to like a tiny, little, very very

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Speaker 7: short backstory, you know how I'm saying that I have

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Speaker 7: like a million gym memberships.

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Speaker 1: Do you still have a millionaire?

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Speaker 7: I canceled all of them, I want to know on

395
00:17:39,440 --> 00:17:42,119
Speaker 7: but I got another one, just one, just one, So

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Speaker 7: it's like all clean. And I was like, you know,

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Speaker 7: signing up, and I realized that this is probably more

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Speaker 7: so if you are in a position of, you know,

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Speaker 7: you have some money to put towards something, which is

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Speaker 7: already a very privileged position to be. And so of course,

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00:17:57,040 --> 00:17:58,720
Speaker 7: but as I was signing up, he gave me options

402
00:17:58,760 --> 00:18:01,480
Speaker 7: or three dollars per week or one hundred dollars a month,

403
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Speaker 7: or twenty dollars a week if I paid bi annually.

404
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Speaker 10: Oh yeah.

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Speaker 7: So it just made me realize, like, if you can

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Speaker 7: afford that, try to do I know a lot of

407
00:18:10,280 --> 00:18:10,800
Speaker 7: just that.

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00:18:10,880 --> 00:18:14,119
Speaker 3: It's where money has power, right, Like, that's where I

409
00:18:14,160 --> 00:18:17,159
Speaker 3: would call that, in the most non offensive way possible,

410
00:18:17,200 --> 00:18:19,800
Speaker 3: the poor tax. Yes, I agree, And I feel like

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00:18:19,840 --> 00:18:22,400
Speaker 3: that is so rude because they're saying, if you've got

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00:18:22,400 --> 00:18:24,400
Speaker 3: the cash, will give you an even better deal. Yeah,

413
00:18:24,400 --> 00:18:26,439
Speaker 3: and I love that, but the people who need the

414
00:18:26,440 --> 00:18:28,800
Speaker 3: better deal are the ones that don't have heaps of cash,

415
00:18:28,800 --> 00:18:30,480
Speaker 3: which I think is why it's so important to get

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00:18:30,480 --> 00:18:32,359
Speaker 3: on top of our budgeting and our cash flow so

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00:18:32,400 --> 00:18:35,280
Speaker 3: that we can seize opportunities like that. Like, how good

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00:18:35,320 --> 00:18:36,760
Speaker 3: would it be if you had a heap of cash

419
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Speaker 3: in like saved, not even heaps, but like enough cash

420
00:18:40,119 --> 00:18:42,879
Speaker 3: so that you can save cash? Yeah, exactly, it's so

421
00:18:42,960 --> 00:18:44,560
Speaker 3: frustrating exactly.

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Speaker 7: But even if you like what because legitimately what I'm

423
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Speaker 7: gonna do is put twenty bucks away every week for

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Speaker 7: six months, Yeah, and then hopefully I'll be able to

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Speaker 7: afford it, because right now obviously it cannot. But I

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00:18:54,560 --> 00:18:57,160
Speaker 7: just thought, like, wow, wow, those people really be getting

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Speaker 7: some benefits.

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00:19:00,000 --> 00:19:02,800
Speaker 3: Same thing happens with like your life insurance and your

429
00:19:02,840 --> 00:19:05,640
Speaker 3: car insurance and like all of these other things. They

430
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Speaker 3: often offer a pretty nice discount to do a lump sum.

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00:19:10,359 --> 00:19:13,920
Speaker 7: Yeah, and like rude, I know, but anyway, that broke

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00:19:14,000 --> 00:19:17,239
Speaker 7: tip is somewhat depressing, but also just good to know

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Speaker 7: it's actually a good broke tip, Thank you so much.

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Speaker 1: Also, if they.

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Speaker 3: Don't offer that and you have the cash, ask yeah,

436
00:19:25,200 --> 00:19:26,800
Speaker 3: what if I paid for a year can I get

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00:19:26,800 --> 00:19:28,160
Speaker 3: a discount totally?

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00:19:28,480 --> 00:19:31,600
Speaker 1: Yeah, do that. I think that's a good one. I

439
00:19:31,640 --> 00:19:32,040
Speaker 1: love that.

440
00:19:32,480 --> 00:19:34,240
Speaker 3: All right, Well, how about we go to a really

441
00:19:34,280 --> 00:19:36,800
Speaker 3: quick break we can talk more about party food and

442
00:19:36,880 --> 00:19:39,040
Speaker 3: on the flip side, we're going to be talking about

443
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Speaker 3: setting boundaries and knowing your worth, which is something I

444
00:19:42,040 --> 00:19:45,240
Speaker 3: am wildly passionate about talking about and something that you

445
00:19:45,280 --> 00:19:48,080
Speaker 3: slid into our dms about this week. What do you

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00:19:48,080 --> 00:19:50,840
Speaker 3: do when you want to leave a relationship but financially

447
00:19:50,960 --> 00:19:53,080
Speaker 3: you just can't see how that's going to work?

448
00:19:53,640 --> 00:19:54,880
Speaker 1: Guys, don't go anywhere.

449
00:19:59,080 --> 00:20:01,520
Speaker 6: Welcome back, everybody. Let's take a listen to this week's

450
00:20:01,560 --> 00:20:02,440
Speaker 6: money dilemma.

451
00:20:04,680 --> 00:20:04,840
Speaker 7: Hi.

452
00:20:04,920 --> 00:20:07,320
Speaker 3: There, have you got a money dilemma you just can't

453
00:20:07,359 --> 00:20:10,040
Speaker 3: solve The She's on the Money team is here to help.

454
00:20:10,400 --> 00:20:13,399
Speaker 3: Every week we tackle your dilemmas, both big and small,

455
00:20:13,440 --> 00:20:16,520
Speaker 3: to answer your most burning money, career and life questions.

456
00:20:16,720 --> 00:20:19,240
Speaker 3: To get involved, simply head to our website and leave

457
00:20:19,320 --> 00:20:21,440
Speaker 3: us a short voice recording and you might just find

458
00:20:21,440 --> 00:20:24,160
Speaker 3: yourself on the show. Now, let's take a listen to

459
00:20:24,200 --> 00:20:27,480
Speaker 3: this week's money dilemma.

460
00:20:28,080 --> 00:20:31,880
Speaker 4: Hi, guys, I have a money dilemma with a side

461
00:20:31,960 --> 00:20:35,160
Speaker 4: hustle that I really should be turning into a business,

462
00:20:35,240 --> 00:20:38,920
Speaker 4: because I feel that it's gone too far. I work

463
00:20:39,000 --> 00:20:41,639
Speaker 4: full time in a quite a good paying job, and

464
00:20:41,680 --> 00:20:46,720
Speaker 4: I also work casually in another quite good paying job, so.

465
00:20:46,040 --> 00:20:47,160
Speaker 1: My time's quite full.

466
00:20:47,520 --> 00:20:49,680
Speaker 4: But on the side, I also do a lot of

467
00:20:49,720 --> 00:20:54,280
Speaker 4: photography and videography work as a hobby. This hobby has

468
00:20:54,680 --> 00:20:57,120
Speaker 4: really expanded and I've had a lot of people reach

469
00:20:57,200 --> 00:20:59,960
Speaker 4: out to do their weddings. I've also had local councils

470
00:21:00,119 --> 00:21:03,760
Speaker 4: reach out to ask me to do events like it's

471
00:21:03,800 --> 00:21:07,800
Speaker 4: become quite a big thing. My issue is every time

472
00:21:08,080 --> 00:21:10,800
Speaker 4: I do a large job, so like a full day

473
00:21:10,800 --> 00:21:15,720
Speaker 4: wedding with videography or like a big event, I can't

474
00:21:15,800 --> 00:21:19,280
Speaker 4: charge them. I feel really guilty and I let them

475
00:21:19,280 --> 00:21:22,800
Speaker 4: have the work free, even though I have spent hours

476
00:21:22,880 --> 00:21:27,679
Speaker 4: doing this. I'm now beginning to hate photography, so I

477
00:21:27,800 --> 00:21:31,399
Speaker 4: don't know what to do. I don't know how to

478
00:21:31,600 --> 00:21:35,280
Speaker 4: now start charging or whether this is something I should

479
00:21:35,560 --> 00:21:38,760
Speaker 4: completely stop and just let this hobby go.

480
00:21:39,840 --> 00:21:40,639
Speaker 1: Please help.

481
00:21:40,840 --> 00:21:44,399
Speaker 4: I'm burning myself out in doing this, but I also

482
00:21:44,640 --> 00:21:46,320
Speaker 4: really struggle to say no.

483
00:21:46,520 --> 00:21:49,600
Speaker 1: Girl, no stop that I want to get it. I

484
00:21:49,960 --> 00:21:52,320
Speaker 1: like tap tap tap on your hands, like absolutely not,

485
00:21:52,600 --> 00:21:53,080
Speaker 1: I get it.

486
00:21:53,119 --> 00:21:55,000
Speaker 3: I get it, Like I get it too, but like

487
00:21:55,640 --> 00:21:57,840
Speaker 3: it's not just about knowing your worth, Like people are

488
00:21:57,880 --> 00:21:59,680
Speaker 3: genuinely taking advantage of you.

489
00:22:00,000 --> 00:22:02,240
Speaker 1: We know that you're bad at saying no.

490
00:22:02,800 --> 00:22:03,040
Speaker 4: Yeah.

491
00:22:03,080 --> 00:22:07,040
Speaker 5: Those industries specifically, like weddings particularly, are known for being

492
00:22:07,119 --> 00:22:11,399
Speaker 5: really lucrative for photographers and videographers understandably, so it's a

493
00:22:11,400 --> 00:22:13,840
Speaker 5: lot of hard work and it's judging on that. But

494
00:22:14,560 --> 00:22:17,160
Speaker 5: like knowing what people pay for wedding photographers and they

495
00:22:17,280 --> 00:22:21,080
Speaker 5: know as well. If you're saying that those are big organizations,

496
00:22:21,080 --> 00:22:23,000
Speaker 5: it's not like, oh I did like a shoot for

497
00:22:23,040 --> 00:22:25,880
Speaker 5: a girlfriend who's starting a brand who maybe didn't know

498
00:22:26,040 --> 00:22:30,000
Speaker 5: how much photographers get paid, right, yeah, But like you're

499
00:22:30,040 --> 00:22:32,520
Speaker 5: saying you did big, They've done this before.

500
00:22:32,600 --> 00:22:33,919
Speaker 1: This ain't their first rodeo.

501
00:22:34,160 --> 00:22:40,280
Speaker 3: I get so angry about big organizations taking advantage of

502
00:22:40,320 --> 00:22:43,239
Speaker 3: smaller people. It actually happens so much, And Jess can

503
00:22:43,280 --> 00:22:46,639
Speaker 3: attest to this in our industry as well, of like

504
00:22:46,880 --> 00:22:50,719
Speaker 3: people reaching out and expecting that I would speak at

505
00:22:50,720 --> 00:22:53,560
Speaker 3: events for free, or expecting that I would go on

506
00:22:53,600 --> 00:22:56,679
Speaker 3: a panel for free when they're selling tickets to that

507
00:22:56,800 --> 00:22:59,480
Speaker 3: event and making money off it. Like there are so

508
00:22:59,560 --> 00:23:02,359
Speaker 3: many can you imagine Jesse, if I went public with

509
00:23:02,440 --> 00:23:06,160
Speaker 3: who takes advantage like, you would be shocked. Obviously I'm

510
00:23:06,200 --> 00:23:09,320
Speaker 3: not gonna do that, but you would be shocked about

511
00:23:09,440 --> 00:23:13,840
Speaker 3: the level of audacity that some organizations have and how

512
00:23:13,960 --> 00:23:18,160
Speaker 3: much power they hold. Like it's often the smaller businesses

513
00:23:18,160 --> 00:23:20,120
Speaker 3: that are like, oh my god, like how much does

514
00:23:20,119 --> 00:23:23,080
Speaker 3: it cost to do xyz? Because we'd love the opportunity

515
00:23:23,119 --> 00:23:24,720
Speaker 3: to work with you. And they're the ones that we're like,

516
00:23:24,840 --> 00:23:27,240
Speaker 3: hold on your brand new small business like gol We'll

517
00:23:27,280 --> 00:23:29,600
Speaker 3: do that, you know, for free or for a significant

518
00:23:29,640 --> 00:23:32,760
Speaker 3: discountel look after you. But like, it's the big business

519
00:23:32,760 --> 00:23:36,480
Speaker 3: says that take advantage and that kisses me off. I

520
00:23:36,480 --> 00:23:38,720
Speaker 3: don't think she should stop doing something she loves. We

521
00:23:38,800 --> 00:23:41,560
Speaker 3: need to flip it, though, into something that you continue

522
00:23:41,600 --> 00:23:44,360
Speaker 3: to love because you don't like it because it's being

523
00:23:44,440 --> 00:23:47,639
Speaker 3: associated with being taken advantage of and that's not fun.

524
00:23:48,000 --> 00:23:49,760
Speaker 1: Beck, what would you do in this situation?

525
00:23:49,920 --> 00:23:54,359
Speaker 7: Well, I totally totally get this feeling, because obviously I

526
00:23:54,480 --> 00:23:56,800
Speaker 7: do like little arts and crafts on the side, and

527
00:23:57,320 --> 00:24:00,560
Speaker 7: when someone asks me for a commissioned piece something that.

528
00:24:00,560 --> 00:24:02,119
Speaker 3: I did and I tried to pay you for it

529
00:24:02,160 --> 00:24:04,439
Speaker 3: and you said no, So I don't know what to

530
00:24:04,440 --> 00:24:05,560
Speaker 3: do about this situation.

531
00:24:05,640 --> 00:24:07,520
Speaker 7: So well, this is the thing is that if it's commissioned,

532
00:24:07,520 --> 00:24:09,360
Speaker 7: then it's like someone's giving me an idea and I'm

533
00:24:09,400 --> 00:24:11,239
Speaker 7: making it and they have no control over how it's

534
00:24:11,280 --> 00:24:13,879
Speaker 7: going to look. I have no control over whether they'll

535
00:24:14,000 --> 00:24:16,440
Speaker 7: enjoy it or not. And so in those situations, which

536
00:24:16,480 --> 00:24:19,600
Speaker 7: is weird because commissioned you expect, in any other situation

537
00:24:19,720 --> 00:24:22,120
Speaker 7: to be more expensive. Those pieces I do not even

538
00:24:22,200 --> 00:24:24,280
Speaker 7: charge for because no, I don't know what.

539
00:24:24,560 --> 00:24:26,880
Speaker 1: I have a back, so I'm still going to pay it.

540
00:24:27,000 --> 00:24:30,199
Speaker 3: No, they might hate it, I don't know, and so

541
00:24:30,240 --> 00:24:31,640
Speaker 3: that's I'm not going to hate it. It was made

542
00:24:31,720 --> 00:24:34,000
Speaker 3: with love by beck That's why it's very sweet.

543
00:24:34,119 --> 00:24:35,560
Speaker 5: But can you just put a step in the middle

544
00:24:35,720 --> 00:24:37,560
Speaker 5: in an instance where you're like, oh, I'll draw up

545
00:24:37,600 --> 00:24:39,440
Speaker 5: a quick sketch so you have an understanding of what

546
00:24:39,440 --> 00:24:40,119
Speaker 5: it's going to look like.

547
00:24:40,200 --> 00:24:42,640
Speaker 7: Kind of it it depends on because if it's ceramics,

548
00:24:42,680 --> 00:24:45,040
Speaker 7: and it depends on like it will look different after

549
00:24:45,119 --> 00:24:48,199
Speaker 7: both firings and after I've hand molded it, and like

550
00:24:48,760 --> 00:24:51,600
Speaker 7: there's no telling. So I'm sorry asking for a custom

551
00:24:51,680 --> 00:24:55,240
Speaker 7: piece based on seeing your previous custom work and enjoying

552
00:24:55,280 --> 00:24:56,320
Speaker 7: the way you craft things.

553
00:24:56,359 --> 00:24:57,840
Speaker 1: No, you charge for that, that's true.

554
00:24:57,840 --> 00:25:00,639
Speaker 7: Well, the thing I've decided to do is just not

555
00:25:00,880 --> 00:25:03,440
Speaker 7: do and maybe this will help for this person as well.

556
00:25:03,680 --> 00:25:06,240
Speaker 7: I'm not gonna do commission pieces unless, like you know,

557
00:25:06,280 --> 00:25:08,320
Speaker 7: it's a friend or something. And I because I actually

558
00:25:08,320 --> 00:25:09,879
Speaker 7: do enjoy doing it, it's not a problem for me.

559
00:25:10,119 --> 00:25:12,159
Speaker 7: But what I'm gonna do instead is I'm going to

560
00:25:12,560 --> 00:25:15,159
Speaker 7: make stuff and then put it online with already a

561
00:25:15,240 --> 00:25:17,080
Speaker 7: price on it, and then they people pay for it,

562
00:25:17,119 --> 00:25:19,720
Speaker 7: and then I sell it. Because that way, I can

563
00:25:19,760 --> 00:25:21,919
Speaker 7: imagine with this person, like they've come in, they've been

564
00:25:21,960 --> 00:25:24,359
Speaker 7: asked to a job, they come do the job. Afterward,

565
00:25:24,400 --> 00:25:27,280
Speaker 7: when they're discussing money, it's like, oh, this is really awkward.

566
00:25:27,280 --> 00:25:28,919
Speaker 7: I don't want to do this. I'm not going to charge.

567
00:25:28,960 --> 00:25:30,920
Speaker 7: But instead, if you had an option, maybe like an

568
00:25:30,920 --> 00:25:34,760
Speaker 7: online situation where someone paid in advance, you pay for

569
00:25:34,960 --> 00:25:38,159
Speaker 7: a let's say like a package where you're like, I

570
00:25:38,240 --> 00:25:41,199
Speaker 7: send one hundred photos, I take out however many I

571
00:25:41,200 --> 00:25:44,200
Speaker 7: send you one hundred, I have a thirty second video.

572
00:25:44,520 --> 00:25:48,000
Speaker 7: You have packages, and you pay for the package in advance,

573
00:25:48,080 --> 00:25:50,000
Speaker 7: so by the time you go and do the work,

574
00:25:50,240 --> 00:25:52,320
Speaker 7: everything's being paid for. You don't need to discuss it.

575
00:25:52,760 --> 00:25:55,080
Speaker 7: You send everything you need. It says a problem after

576
00:25:55,280 --> 00:25:57,080
Speaker 7: they'll come to you, and then you can be like

577
00:25:57,480 --> 00:25:58,960
Speaker 7: and the chances of them coming back to you and

578
00:25:58,960 --> 00:26:01,480
Speaker 7: being like, I have a problem with whatever, then you

579
00:26:01,520 --> 00:26:04,280
Speaker 7: know the chance is very low. So but if that happens,

580
00:26:04,320 --> 00:26:06,960
Speaker 7: then you can decide to give fifty percent back or

581
00:26:06,960 --> 00:26:08,320
Speaker 7: all of the back, or whatever the hell you want

582
00:26:08,320 --> 00:26:12,080
Speaker 7: to do. But paying an advance and just completely separating

583
00:26:12,119 --> 00:26:15,080
Speaker 7: yourself from them. It's just a complete stranger on your

584
00:26:15,119 --> 00:26:18,919
Speaker 7: website deciding to buy something. You get notified someone's paid

585
00:26:18,960 --> 00:26:22,040
Speaker 7: for a service, then you go forward with the service.

586
00:26:22,520 --> 00:26:25,080
Speaker 7: That kind of like because I get I really get

587
00:26:25,119 --> 00:26:26,679
Speaker 7: the feeling of like talking to someone and then be

588
00:26:26,720 --> 00:26:27,840
Speaker 7: like how much is this and be like.

589
00:26:28,760 --> 00:26:32,199
Speaker 3: Ah, it's really awkward, am I? And that's where I

590
00:26:32,600 --> 00:26:35,440
Speaker 3: that's where I think you need to get really clean

591
00:26:35,480 --> 00:26:38,040
Speaker 3: and clear on your language, and like, this is something

592
00:26:38,080 --> 00:26:40,680
Speaker 3: that I think Jess is really bloody good at. So yes,

593
00:26:41,760 --> 00:26:43,640
Speaker 3: let's pretend it's us for a hot second, because it's

594
00:26:43,720 --> 00:26:46,720
Speaker 3: really good and it does have example right, So let's

595
00:26:46,720 --> 00:26:49,320
Speaker 3: pretend that we've got a client that we worked with

596
00:26:49,440 --> 00:26:52,160
Speaker 3: and that's never paid us, and we're like, yeah, cool,

597
00:26:52,880 --> 00:26:55,120
Speaker 3: we would like to be now paid for the work

598
00:26:55,160 --> 00:26:55,560
Speaker 3: that we do.

599
00:26:55,600 --> 00:26:57,720
Speaker 1: How would you approach that? I think?

600
00:26:58,080 --> 00:26:59,960
Speaker 6: So what we because.

601
00:26:59,720 --> 00:27:01,960
Speaker 3: Also backtrack for those of you because we've got a

602
00:27:02,000 --> 00:27:04,119
Speaker 3: lot of new listeners at the moment, which is very cool.

603
00:27:04,280 --> 00:27:04,480
Speaker 1: Jess.

604
00:27:04,480 --> 00:27:07,240
Speaker 3: There's also head of Partnerships for she's on the money.

605
00:27:07,440 --> 00:27:09,399
Speaker 3: So she's not just like the hot girl that's on

606
00:27:09,440 --> 00:27:13,119
Speaker 3: our podcast, is she like? She's also actually really really

607
00:27:13,160 --> 00:27:16,240
Speaker 3: smart in this space. So you've come to the right place, guys.

608
00:27:16,480 --> 00:27:18,480
Speaker 5: Yeah, I think the biggest thing, and this is something

609
00:27:18,520 --> 00:27:21,040
Speaker 5: you taught me VD, is just operate on the assumption

610
00:27:21,119 --> 00:27:23,480
Speaker 5: when somebody comes to you, like someone says, hey, I

611
00:27:23,480 --> 00:27:25,800
Speaker 5: really want to work with you, even though they haven't

612
00:27:25,840 --> 00:27:27,960
Speaker 5: said it, they want to pay you for your work,

613
00:27:28,040 --> 00:27:31,200
Speaker 5: because in our minds, we assume that all professionals should

614
00:27:31,200 --> 00:27:34,000
Speaker 5: be paid for the jobs that they're doing, so because it's.

615
00:27:33,880 --> 00:27:37,480
Speaker 3: Way more awkward if they have to put on the table. Oh,

616
00:27:37,640 --> 00:27:40,520
Speaker 3: I just assumed you'd work for free, correct And you go,

617
00:27:41,040 --> 00:27:43,040
Speaker 3: I don't know why you would have had that assumption

618
00:27:43,160 --> 00:27:46,080
Speaker 3: as opposed to working on the opposite assumption that they

619
00:27:46,119 --> 00:27:47,760
Speaker 3: think it's going to be free, and you have to

620
00:27:47,800 --> 00:27:50,600
Speaker 3: convince them yea, because that is a power play.

621
00:27:50,800 --> 00:27:51,040
Speaker 1: Yeah.

622
00:27:51,080 --> 00:27:53,480
Speaker 5: So it's when someone messages you or emails you or

623
00:27:53,520 --> 00:27:55,080
Speaker 5: whatever it is and says, hey, we really love to

624
00:27:55,080 --> 00:27:56,760
Speaker 5: work with you. The first thing that you should be

625
00:27:56,760 --> 00:28:00,200
Speaker 5: doing is sending off your rate card. So what Beck

626
00:28:00,240 --> 00:28:02,240
Speaker 5: was saying, whether you have individual you know, you might

627
00:28:02,240 --> 00:28:04,760
Speaker 5: have a day rate, a half day rate, or packages

628
00:28:04,880 --> 00:28:07,359
Speaker 5: for you know, X amount of photos, x amount of hours, whatever,

629
00:28:07,400 --> 00:28:09,120
Speaker 5: however you want to set it up, have a think

630
00:28:09,119 --> 00:28:11,119
Speaker 5: about what you want to charge, look at other people

631
00:28:11,119 --> 00:28:12,640
Speaker 5: in your industry, put.

632
00:28:12,480 --> 00:28:15,200
Speaker 3: Together what that looks like for you. Anytime someone inquires

633
00:28:15,240 --> 00:28:17,560
Speaker 3: with you, you're oh, my goodness, I would love to

634
00:28:17,560 --> 00:28:18,800
Speaker 3: help you bring your vision to life.

635
00:28:18,800 --> 00:28:21,760
Speaker 5: This is so exciting. I've attached my rate card. Let

636
00:28:21,760 --> 00:28:24,120
Speaker 5: me know if you've got any questions, because that then you.

637
00:28:24,040 --> 00:28:24,760
Speaker 1: Can go from there.

638
00:28:24,760 --> 00:28:27,080
Speaker 3: You're like putting a line in the sand that these

639
00:28:27,119 --> 00:28:28,320
Speaker 3: are your expectations.

640
00:28:28,359 --> 00:28:29,160
Speaker 1: And now these.

641
00:28:29,000 --> 00:28:32,040
Speaker 3: People have to come back and say, oh, well, we

642
00:28:32,040 --> 00:28:35,280
Speaker 3: were actually hoping you'd do it for free, or we

643
00:28:35,520 --> 00:28:37,760
Speaker 3: are we didn't expect that, and that's so fine.

644
00:28:37,880 --> 00:28:40,320
Speaker 1: But I think it's about updating your language.

645
00:28:40,360 --> 00:28:43,680
Speaker 3: So if we've done it, for free historically, Like, even

646
00:28:43,720 --> 00:28:45,520
Speaker 3: if we've done it for free, we can use the

647
00:28:45,600 --> 00:28:50,360
Speaker 3: language of like, oh, hey, we've actually recently updated our rates. Yeah, yes,

648
00:28:50,400 --> 00:28:54,320
Speaker 3: my rates before were zero, but now I'm charging for them.

649
00:28:54,360 --> 00:28:55,840
Speaker 1: I don't have to justify that to you.

650
00:28:55,880 --> 00:28:59,480
Speaker 3: I do not owe you an explanation on wanting to

651
00:28:59,520 --> 00:29:03,400
Speaker 3: be paid for work that I'm doing. Like, I don't

652
00:29:03,440 --> 00:29:07,160
Speaker 3: owe you an explanation. So, hey, our rates have updated recently.

653
00:29:07,200 --> 00:29:09,440
Speaker 3: I've actually attached them for you. Have a quick look

654
00:29:09,440 --> 00:29:11,440
Speaker 3: at that, and then once you've got a good idea

655
00:29:11,480 --> 00:29:13,520
Speaker 3: of what you want to lock in, let me know when.

656
00:29:13,360 --> 00:29:14,040
Speaker 1: We can have a meeting.

657
00:29:14,120 --> 00:29:14,400
Speaker 6: Yeah.

658
00:29:14,400 --> 00:29:16,720
Speaker 5: Correct, And from there you can negotiate, you can do whatever.

659
00:29:16,760 --> 00:29:18,600
Speaker 5: If you want to offer discounts for friends and family,

660
00:29:18,640 --> 00:29:20,120
Speaker 5: you can do all those things. But I think it's

661
00:29:20,280 --> 00:29:23,840
Speaker 5: genuinely just going oh, like, my default is I charge

662
00:29:23,880 --> 00:29:27,080
Speaker 5: these prices, and my expectation is that anyone contacting me

663
00:29:27,520 --> 00:29:29,560
Speaker 5: would understand that there's a fee attached, and I'm just

664
00:29:29,640 --> 00:29:31,720
Speaker 5: letting them know what those fees are one hundred percent.

665
00:29:31,760 --> 00:29:32,440
Speaker 1: That's really nice.

666
00:29:32,600 --> 00:29:35,959
Speaker 3: Also, how good is the transparency of letting people know

667
00:29:36,080 --> 00:29:39,960
Speaker 3: the fees before wasting either of our times on having

668
00:29:40,000 --> 00:29:44,120
Speaker 3: a conversation, because there's nothing worse right even as me. Like,

669
00:29:44,360 --> 00:29:46,960
Speaker 3: you know, let's say I am hiring a new photographer

670
00:29:47,360 --> 00:29:50,000
Speaker 3: and I do this all the time, and you know,

671
00:29:50,080 --> 00:29:53,080
Speaker 3: I'm engaging the service of somebody in a once off capacity.

672
00:29:53,240 --> 00:29:56,120
Speaker 3: We're doing a cute Xella money photoshoot, and I want

673
00:29:56,120 --> 00:29:58,320
Speaker 3: to work with somebody I love when they send the

674
00:29:58,400 --> 00:30:01,320
Speaker 3: rates first so that I know what to expect, because

675
00:30:01,360 --> 00:30:04,520
Speaker 3: then I'm not having a whole conversation about me being like, oh,

676
00:30:04,520 --> 00:30:06,320
Speaker 3: I found you on Instagram and I really liked your

677
00:30:06,360 --> 00:30:07,800
Speaker 3: work and I really want to work with you. And

678
00:30:07,800 --> 00:30:09,720
Speaker 3: then the rate comes back at like five times what

679
00:30:09,920 --> 00:30:12,000
Speaker 3: I had thought it might be, and then I have

680
00:30:12,040 --> 00:30:14,640
Speaker 3: to go, oh, hey, like that's actually not in budget

681
00:30:14,640 --> 00:30:17,040
Speaker 3: for us right now, like I've wasted their time, I've

682
00:30:17,040 --> 00:30:20,040
Speaker 3: wasted my time. If they are giving me the rates upfront,

683
00:30:20,080 --> 00:30:22,520
Speaker 3: I can go, oh my goodness, I'm brainstorming in my head. Okay,

684
00:30:22,520 --> 00:30:24,520
Speaker 3: well that fits in budget, and oh I could add

685
00:30:24,560 --> 00:30:27,040
Speaker 3: in this social aspect, all this, this and this. It's

686
00:30:27,040 --> 00:30:30,280
Speaker 3: an opportunity for upsell before you've even sold to me. Yeah,

687
00:30:30,320 --> 00:30:32,480
Speaker 3: Like I'm looking at that and going okay, well that's

688
00:30:32,520 --> 00:30:35,480
Speaker 3: reasonable and that if it's not within budget. I might

689
00:30:35,520 --> 00:30:39,120
Speaker 3: go back and be like, hey, Jess, for example, I've

690
00:30:39,120 --> 00:30:40,720
Speaker 3: had a look at your rate card and unfortunately it

691
00:30:40,760 --> 00:30:43,320
Speaker 3: doesn't fit within budget. Thank you so much for your time.

692
00:30:43,760 --> 00:30:47,160
Speaker 3: That's then their opportunity to if they wanted.

693
00:30:46,840 --> 00:30:47,959
Speaker 1: To offer a discount.

694
00:30:48,200 --> 00:30:52,360
Speaker 3: But from my perspective, I'm not undervaluing a freelancer or

695
00:30:52,400 --> 00:30:55,480
Speaker 3: a service provider by saying can you do it cheaper.

696
00:30:55,800 --> 00:30:58,280
Speaker 3: It's like, there's a reason they have those rates, And

697
00:30:58,360 --> 00:31:00,800
Speaker 3: if they have those rates, I can promise you they

698
00:31:00,800 --> 00:31:03,400
Speaker 3: have thought long and hard about what their value is

699
00:31:03,760 --> 00:31:06,200
Speaker 3: and just because I can't afford it doesn't mean they

700
00:31:06,240 --> 00:31:09,920
Speaker 3: have to lower their prices to meet my expectations.

701
00:31:10,040 --> 00:31:11,440
Speaker 6: No, it's actually it's the flip.

702
00:31:11,480 --> 00:31:13,720
Speaker 5: Really like, if that's what happens when someone comes back

703
00:31:13,720 --> 00:31:15,520
Speaker 5: and goes, oh, I'm so sorry, I only had Let's

704
00:31:15,520 --> 00:31:17,560
Speaker 5: say you're going to charge two thousand and they only

705
00:31:17,600 --> 00:31:20,320
Speaker 5: had one thousand, that's your opportunity to say, okay, four

706
00:31:20,360 --> 00:31:22,880
Speaker 5: one thousand dollars. I can do xyz and maybe you

707
00:31:22,960 --> 00:31:25,200
Speaker 5: drop some of the deliverables off, or you take a

708
00:31:25,200 --> 00:31:27,040
Speaker 5: couple of hours off of the day so ice they're

709
00:31:27,040 --> 00:31:28,520
Speaker 5: doing a full day, or do a half day or

710
00:31:28,560 --> 00:31:31,000
Speaker 5: something like that, like that's your chance to then go, Okay,

711
00:31:31,000 --> 00:31:35,160
Speaker 5: well I we can negotiate this XYZ within your existing budget,

712
00:31:35,440 --> 00:31:37,680
Speaker 5: because I think the thing for freelancers all of the

713
00:31:37,720 --> 00:31:40,560
Speaker 5: time is the fear of when you you're scared of

714
00:31:40,600 --> 00:31:42,120
Speaker 5: putting your rates out there. And I get this as

715
00:31:42,120 --> 00:31:45,000
Speaker 5: someone who freelances. You're scared of putting your rates out

716
00:31:45,040 --> 00:31:48,120
Speaker 5: there and then the opportunity going away completely. You're almost like, well,

717
00:31:48,160 --> 00:31:50,600
Speaker 5: I'd rather to have one hundred dollars than no money

718
00:31:50,600 --> 00:31:50,880
Speaker 5: at all.

719
00:31:50,960 --> 00:31:53,360
Speaker 3: But if you're being paid to begin with, I don't

720
00:31:53,360 --> 00:31:55,320
Speaker 3: think you should be working with those people. To be

721
00:31:55,440 --> 00:31:58,200
Speaker 3: quite blunt, like, yeah, if you are working with people

722
00:31:58,240 --> 00:32:00,440
Speaker 3: that you adore but they aren't paying you, and then

723
00:32:00,480 --> 00:32:02,680
Speaker 3: you put rates on the table and they go away,

724
00:32:02,880 --> 00:32:04,840
Speaker 3: they were never there for you. They were there because

725
00:32:04,840 --> 00:32:07,760
Speaker 3: they were able to take advantage of you. They weren't

726
00:32:07,800 --> 00:32:09,920
Speaker 3: there because they're like, oh, Jess is the best ever

727
00:32:09,960 --> 00:32:12,960
Speaker 3: there this? Go find your people. Go find clients that

728
00:32:13,080 --> 00:32:15,760
Speaker 3: actually pay you. Go find people that see value in

729
00:32:15,800 --> 00:32:18,000
Speaker 3: the work that you have, because right now you're just

730
00:32:18,600 --> 00:32:21,600
Speaker 3: finding free loaders who are taking advantage of a situation.

731
00:32:21,880 --> 00:32:23,120
Speaker 1: Let them go find someone else.

732
00:32:23,280 --> 00:32:26,800
Speaker 5: Yeah, and local councils specifically always have budget allocated of

733
00:32:26,800 --> 00:32:29,800
Speaker 5: these things they do before.

734
00:32:29,560 --> 00:32:31,680
Speaker 6: Like they have budget, so like they can afford to

735
00:32:31,680 --> 00:32:32,040
Speaker 6: pay you.

736
00:32:32,120 --> 00:32:33,280
Speaker 1: Yeah, one hundred percent.

737
00:32:33,360 --> 00:32:36,040
Speaker 3: And like if they have decided that they want you

738
00:32:36,720 --> 00:32:38,520
Speaker 3: and you've put rates on the table, it can be

739
00:32:38,560 --> 00:32:40,680
Speaker 3: so overwhelming putting your rates out and being like, oh,

740
00:32:40,760 --> 00:32:43,280
Speaker 3: i'm exper hour, I'm this, or i'm that. You're like

741
00:32:43,440 --> 00:32:45,760
Speaker 3: what if they come back, if they really want you,

742
00:32:45,800 --> 00:32:49,360
Speaker 3: they're going to come back and politely explain, I'm so sorry, Jess,

743
00:32:49,360 --> 00:32:53,240
Speaker 3: we don't have budget, and that's your opportunity to let

744
00:32:53,280 --> 00:32:54,200
Speaker 3: them know what.

745
00:32:54,040 --> 00:32:54,880
Speaker 1: That looks like.

746
00:32:55,200 --> 00:32:57,720
Speaker 3: But then on the flip side, it means that they

747
00:32:57,760 --> 00:33:00,560
Speaker 3: always see your value, so like that they know that

748
00:33:00,600 --> 00:33:04,400
Speaker 3: they're getting a significant discount. Like and we always if

749
00:33:04,440 --> 00:33:07,040
Speaker 3: we're working with a client at a discount, which we

750
00:33:07,080 --> 00:33:11,040
Speaker 3: do sometimes, we always make sure we articulate why we're

751
00:33:11,080 --> 00:33:12,920
Speaker 3: doing it, so we're not just like, oh, yeah, we

752
00:33:12,960 --> 00:33:15,800
Speaker 3: could definitely do it for less. We're like, oh, look

753
00:33:15,840 --> 00:33:18,720
Speaker 3: we've had it, and we'll taliate to the clients for examples,

754
00:33:18,760 --> 00:33:22,200
Speaker 3: yeah for example exactly, but we will articulate to them

755
00:33:22,360 --> 00:33:25,720
Speaker 3: why they are getting a budget discount or whatever it is,

756
00:33:25,800 --> 00:33:28,320
Speaker 3: because I might go, look, you're a really good brand

757
00:33:28,360 --> 00:33:31,000
Speaker 3: for my community, and while you don't have budget, I

758
00:33:31,000 --> 00:33:32,800
Speaker 3: think that they would get a lot of value out

759
00:33:32,800 --> 00:33:35,120
Speaker 3: of this as well. We clearly don't do this often,

760
00:33:35,200 --> 00:33:39,440
Speaker 3: but it gives us an opportunity to build the relationship,

761
00:33:39,520 --> 00:33:42,280
Speaker 3: and they're obviously grateful because it now fits within budget.

762
00:33:42,560 --> 00:33:46,520
Speaker 3: But then if they revisit us again, like the same rate, supply,

763
00:33:46,680 --> 00:33:50,160
Speaker 3: I can't always discount my rates, so we're not setting

764
00:33:50,200 --> 00:33:53,760
Speaker 3: an expectation that now our relationship is worthless, like I'll

765
00:33:53,800 --> 00:33:56,480
Speaker 3: work for less this time and we'll see how it goes.

766
00:33:56,520 --> 00:33:57,320
Speaker 1: Because I think that.

767
00:33:57,320 --> 00:33:59,000
Speaker 3: The community would love it, or I think that this

768
00:33:59,040 --> 00:34:01,800
Speaker 3: would work really well, and I think going from there.

769
00:34:01,840 --> 00:34:03,880
Speaker 3: But like, if people are taking advantage of you, they

770
00:34:03,920 --> 00:34:06,280
Speaker 3: are not your people. They're not good clients, full stop.

771
00:34:06,320 --> 00:34:06,840
Speaker 1: End of story.

772
00:34:06,960 --> 00:34:08,759
Speaker 7: Yeah, yeah, start charging for your work.

773
00:34:09,480 --> 00:34:11,480
Speaker 1: Go on before I actually lose my mind.

774
00:34:11,880 --> 00:34:15,239
Speaker 3: Guys, we had a DM this week and you know what,

775
00:34:15,600 --> 00:34:18,760
Speaker 3: this one makes me really sad because there are lots

776
00:34:18,760 --> 00:34:20,160
Speaker 3: of people in this situation.

777
00:34:20,440 --> 00:34:22,040
Speaker 1: Would you like to hear it? Yes? Please?

778
00:34:23,000 --> 00:34:26,200
Speaker 3: High shes on the money. I haven't told anybody this yet.

779
00:34:26,440 --> 00:34:28,719
Speaker 3: I want to leave my husband, but I don't think

780
00:34:28,800 --> 00:34:32,040
Speaker 3: I can afford to financially. We've wrapped up debt in

781
00:34:32,120 --> 00:34:34,680
Speaker 3: both our names over the years, and most of it

782
00:34:34,760 --> 00:34:37,680
Speaker 3: was from his spending, as it's in both of our names.

783
00:34:37,719 --> 00:34:40,839
Speaker 3: If I walk away, I still owe Huff. I've run

784
00:34:40,880 --> 00:34:44,080
Speaker 3: the numbers and between rent bills and my share of debt,

785
00:34:44,200 --> 00:34:46,200
Speaker 3: I actually don't think I can make this work on

786
00:34:46,280 --> 00:34:49,400
Speaker 3: my own. I feel completely stuck. I'm trapped in a

787
00:34:49,440 --> 00:34:51,800
Speaker 3: relationship I don't want to be in because of money.

788
00:34:52,000 --> 00:34:55,120
Speaker 3: Has anyone else been here? How do you leave when

789
00:34:55,120 --> 00:34:57,160
Speaker 3: it feels financially impossible.

790
00:34:58,160 --> 00:35:00,400
Speaker 7: I'm really glad we're talking about this because there's so

791
00:35:00,400 --> 00:35:02,960
Speaker 7: many people in this situation, and it will always looks

792
00:35:03,000 --> 00:35:06,560
Speaker 7: so different. In the most ideal world, your husband is

793
00:35:06,560 --> 00:35:09,359
Speaker 7: a very sweet person and is willing to work with

794
00:35:09,400 --> 00:35:13,320
Speaker 7: you on this, But in a lot of cases, either

795
00:35:13,320 --> 00:35:15,560
Speaker 7: they're really hostile, they're not very happy that you want

796
00:35:15,560 --> 00:35:17,760
Speaker 7: to separate, and they're going to make things very difficult

797
00:35:17,800 --> 00:35:21,600
Speaker 7: for you, and in really, really really sad cases, they're

798
00:35:21,719 --> 00:35:25,239
Speaker 7: quite abusive and you feel scared for your life to leave.

799
00:35:25,360 --> 00:35:25,959
Speaker 1: It's so cooked.

800
00:35:26,040 --> 00:35:28,279
Speaker 3: It gives me goosebumps talking about this because there are

801
00:35:28,280 --> 00:35:30,439
Speaker 3: so many women that have approached me over the years

802
00:35:30,480 --> 00:35:34,800
Speaker 3: in this exact situation, and just I don't want anyone

803
00:35:34,840 --> 00:35:37,000
Speaker 3: to be in that, Like I want you to have cash,

804
00:35:37,160 --> 00:35:39,480
Speaker 3: not just so that we can buy cool shiny things.

805
00:35:40,000 --> 00:35:41,800
Speaker 3: I want you to have cash that you've got choices

806
00:35:41,880 --> 00:35:43,600
Speaker 3: so you can leave a situation you don't want to

807
00:35:43,600 --> 00:35:47,040
Speaker 3: be in, whether that is a partner or a workplace,

808
00:35:47,280 --> 00:35:49,400
Speaker 3: or even just like you're out for the night and

809
00:35:49,440 --> 00:35:51,239
Speaker 3: you don't want to be anymore and you don't feel

810
00:35:51,280 --> 00:35:53,480
Speaker 3: safe getting the train home, Like I want you to

811
00:35:53,480 --> 00:35:56,400
Speaker 3: be able to leave places, and all women deserve that,

812
00:35:56,760 --> 00:35:59,960
Speaker 3: Like it just, oh my god, Beck, it just upsets.

813
00:35:59,560 --> 00:36:02,800
Speaker 7: Me totally, and what I immediately think of now, I

814
00:36:02,840 --> 00:36:04,840
Speaker 7: don't know, I don't know how financially smart this is,

815
00:36:04,840 --> 00:36:07,239
Speaker 7: but I'm just thinking about like my world and my

816
00:36:07,360 --> 00:36:09,319
Speaker 7: mom as well. Like luckily for us, we were in

817
00:36:09,360 --> 00:36:12,319
Speaker 7: a situation where, like you know, we were scared for

818
00:36:12,360 --> 00:36:15,719
Speaker 7: our lives or scared of being harassed and kind of

819
00:36:15,760 --> 00:36:18,319
Speaker 7: like chased down for leaving. So we were very lucky

820
00:36:18,320 --> 00:36:20,560
Speaker 7: in that situation. But the first thing that came to

821
00:36:20,600 --> 00:36:26,360
Speaker 7: mind was can you maybe if it's wise or possible

822
00:36:26,400 --> 00:36:28,640
Speaker 7: for you, I would file for bankruptcy. Personally, this is

823
00:36:28,640 --> 00:36:31,120
Speaker 7: probably not good advice, but I would file for bankruptcy.

824
00:36:31,160 --> 00:36:32,040
Speaker 1: I would clear that debt.

825
00:36:32,120 --> 00:36:34,480
Speaker 7: I would get myself a job anywhere I can, and

826
00:36:34,600 --> 00:36:37,759
Speaker 7: just be like, Okay, I'm starting from zero now, and

827
00:36:37,800 --> 00:36:39,440
Speaker 7: I'm going to move into a sharehouse, or I'm going

828
00:36:39,480 --> 00:36:42,280
Speaker 7: to go and look at what resources are available, maybe

829
00:36:42,280 --> 00:36:45,640
Speaker 7: a what are they called, sorry, the women's shelters. Sorry,

830
00:36:45,680 --> 00:36:48,200
Speaker 7: that's the word. With or without children? Obviously it's very

831
00:36:48,280 --> 00:36:50,759
Speaker 7: very difficult, but without I'm thinking as long as you're

832
00:36:50,800 --> 00:36:53,120
Speaker 7: kind of like starting from scratch, I'm also assuming there

833
00:36:53,120 --> 00:36:56,120
Speaker 7: are not sources available, friends, family, things like that, just

834
00:36:56,160 --> 00:36:59,840
Speaker 7: in case, so shelters. Personally, i'd file for bankruptcy. I

835
00:36:59,840 --> 00:37:03,200
Speaker 7: don't know about you, guys, because I'm like, I'm trying

836
00:37:03,200 --> 00:37:05,759
Speaker 7: to leave a situation and I can't afford to it,

837
00:37:05,880 --> 00:37:08,560
Speaker 7: literally cannot afford to do that. And so I'm finding

838
00:37:09,000 --> 00:37:12,799
Speaker 7: as cheap and as affordable housing as I can. I'm

839
00:37:12,840 --> 00:37:16,399
Speaker 7: getting any job that I can. My priority right now

840
00:37:16,480 --> 00:37:18,400
Speaker 7: is not to get on top of my debt and

841
00:37:18,400 --> 00:37:20,399
Speaker 7: get on top of my finances and make sure I've

842
00:37:20,400 --> 00:37:23,160
Speaker 7: got an emergency fund. As not my worry right now.

843
00:37:23,239 --> 00:37:27,359
Speaker 7: My worry is feeding myself, finding housing starting from there,

844
00:37:27,520 --> 00:37:30,560
Speaker 7: and then going wherever the hell you can. But yes,

845
00:37:30,719 --> 00:37:34,839
Speaker 7: that's my advice. I don't know if you guys are

846
00:37:34,880 --> 00:37:36,360
Speaker 7: on the bankruptcy train with me.

847
00:37:36,719 --> 00:37:38,239
Speaker 1: It does. It depends how much debt.

848
00:37:38,239 --> 00:37:41,280
Speaker 3: It depends how much how much debt because bankruptcy, while

849
00:37:41,640 --> 00:37:45,160
Speaker 3: I know you've spoken publicly about having utilized that yourself,

850
00:37:45,560 --> 00:37:47,600
Speaker 3: you were in so much debt that you weren't going

851
00:37:47,680 --> 00:37:50,760
Speaker 3: to get out of it. Like you know, bankruptcy stays

852
00:37:50,760 --> 00:37:52,799
Speaker 3: on your record for seven years, and there's a lot

853
00:37:52,840 --> 00:37:55,080
Speaker 3: of stuff that like a lot of criteria that you

854
00:37:55,160 --> 00:37:57,160
Speaker 3: need to meet during that period of time, right and

855
00:37:57,200 --> 00:38:00,399
Speaker 3: like you've like is the word struggled or you've you've

856
00:38:00,440 --> 00:38:02,920
Speaker 3: dealt with this over the last yeah, six or seven years,

857
00:38:02,960 --> 00:38:03,600
Speaker 3: like your phone plan.

858
00:38:04,120 --> 00:38:05,880
Speaker 7: Yeah, And I do want to say, like for context

859
00:38:06,000 --> 00:38:09,080
Speaker 7: and just so this person knows, I don't think it

860
00:38:09,120 --> 00:38:11,160
Speaker 7: has affected me at all. But I also haven't needed

861
00:38:11,160 --> 00:38:13,440
Speaker 7: to get a home loan or anything like that. But

862
00:38:13,560 --> 00:38:16,320
Speaker 7: right now I am able to get everything because it's.

863
00:38:16,360 --> 00:38:19,440
Speaker 3: It was tweet if it's like thousands and thousands, or

864
00:38:19,480 --> 00:38:21,480
Speaker 3: if it's like two thousand dollars worth of debt at

865
00:38:21,480 --> 00:38:24,239
Speaker 3: this point and like it's a good option, but I

866
00:38:24,280 --> 00:38:28,960
Speaker 3: think from my perspective, it wouldn't be the first Porto call, Like,

867
00:38:29,480 --> 00:38:31,239
Speaker 3: I want you to make a plan and see what

868
00:38:31,280 --> 00:38:35,200
Speaker 3: we can do with outgoing bankrupt because I literally run

869
00:38:35,239 --> 00:38:37,719
Speaker 3: a mortgage broking business. I have seen women come out

870
00:38:37,760 --> 00:38:41,000
Speaker 3: of these situations and in two years flip their entire

871
00:38:41,040 --> 00:38:43,759
Speaker 3: situation and own their own home. And like, I don't

872
00:38:43,760 --> 00:38:47,400
Speaker 3: want anybody to have to wait because of a situation

873
00:38:47,520 --> 00:38:49,279
Speaker 3: they were in. I think for you it made a

874
00:38:49,360 --> 00:38:51,799
Speaker 3: lot of sense. And like there are and we've done

875
00:38:51,840 --> 00:38:54,399
Speaker 3: podcasts on bankruptcy. Maybe we'll link them in the show

876
00:38:54,440 --> 00:38:58,359
Speaker 3: notes as well. But there are so many situations where

877
00:38:58,400 --> 00:39:02,400
Speaker 3: bankruptcy is the perfect bit like clean slate for somebody,

878
00:39:02,719 --> 00:39:07,200
Speaker 3: like it just wipes everything. It is actually sometimes so

879
00:39:07,480 --> 00:39:09,360
Speaker 3: empowering to go, you know what, I'm going to surrender

880
00:39:09,400 --> 00:39:13,120
Speaker 3: to this, wipe me clean. I know that there are

881
00:39:13,320 --> 00:39:15,719
Speaker 3: like rules and regulations and whatever that I'm going to

882
00:39:15,760 --> 00:39:17,840
Speaker 3: have to abide by, but that is so much better

883
00:39:18,200 --> 00:39:20,520
Speaker 3: than the fifty plus years it probably would have taken

884
00:39:20,520 --> 00:39:22,239
Speaker 3: me to get out of that debt. And I can

885
00:39:22,320 --> 00:39:25,360
Speaker 3: just start building well for on my own and taking

886
00:39:25,360 --> 00:39:28,440
Speaker 3: my power back. I adore that, but like, let's look

887
00:39:28,480 --> 00:39:30,719
Speaker 3: at all our options that can be one of them

888
00:39:31,040 --> 00:39:33,360
Speaker 3: and make the decision that makes sense for our situation.

889
00:39:33,960 --> 00:39:36,239
Speaker 1: If that is fair, ess what would you be doing?

890
00:39:36,600 --> 00:39:38,160
Speaker 5: I'm not sure if how Lis is only sorry, it

891
00:39:38,160 --> 00:39:40,960
Speaker 5: sounds like maybe you have, but if you haven't running

892
00:39:41,000 --> 00:39:42,719
Speaker 5: a full budget of what you would need to pay

893
00:39:42,760 --> 00:39:44,960
Speaker 5: to exist on your own, because obviously, as you're kind

894
00:39:45,000 --> 00:39:46,960
Speaker 5: of getting out, in addition to taking on your debt,

895
00:39:46,960 --> 00:39:50,200
Speaker 5: repayments and stuff, you're going to be no longer splitting

896
00:39:50,200 --> 00:39:52,640
Speaker 5: costs that historically you probably were, like the cost of.

897
00:39:52,600 --> 00:39:54,760
Speaker 6: Food, your electricity, you're housing.

898
00:39:55,120 --> 00:39:57,640
Speaker 5: So put together a budget, figure out what that housing

899
00:39:57,680 --> 00:39:59,920
Speaker 5: situation looks like. Are you looking at shelters, are you

900
00:40:00,000 --> 00:40:02,040
Speaker 5: looking to share house? Have you got somebody you can

901
00:40:02,080 --> 00:40:04,080
Speaker 5: move in with? How long will that term be for?

902
00:40:04,760 --> 00:40:07,200
Speaker 5: Run your numbers, figure out what you need to live on,

903
00:40:07,600 --> 00:40:10,080
Speaker 5: figure out what the deficity is, and then go, Okay,

904
00:40:10,920 --> 00:40:12,640
Speaker 5: do I need to get a second job? You know,

905
00:40:12,760 --> 00:40:15,200
Speaker 5: it's no one wants to do that, but as someone

906
00:40:15,239 --> 00:40:18,440
Speaker 5: who works two jobs for the majority of their working life,

907
00:40:18,840 --> 00:40:19,520
Speaker 5: it's doable.

908
00:40:19,840 --> 00:40:20,080
Speaker 2: You know.

909
00:40:20,200 --> 00:40:23,200
Speaker 5: It's sometimes we have to sacrifice short term to put

910
00:40:23,200 --> 00:40:25,879
Speaker 5: ourselves in a good position long term. So whatever hold,

911
00:40:25,920 --> 00:40:27,759
Speaker 5: whatever job you've got now, can you waitress in the

912
00:40:27,840 --> 00:40:30,279
Speaker 5: evenings or on the weekends, can you bartend? Can you

913
00:40:30,760 --> 00:40:33,359
Speaker 5: do some kind of shift work, warehousing. There's a lot

914
00:40:33,400 --> 00:40:36,160
Speaker 5: of options out there. It is hard, like I'm not

915
00:40:36,200 --> 00:40:38,319
Speaker 5: going to lie to you, but it is better than

916
00:40:38,360 --> 00:40:40,239
Speaker 5: being in a situation that you don't want to be in.

917
00:40:40,800 --> 00:40:42,680
Speaker 5: Once you've got an idea of your numbers, I would

918
00:40:42,719 --> 00:40:45,040
Speaker 5: also be calling our friends in the National Debt Help

919
00:40:45,080 --> 00:40:46,680
Speaker 5: Line they are to spread.

920
00:40:46,360 --> 00:40:49,160
Speaker 1: About them out. Yes, absolutely, they're a great resource.

921
00:40:49,160 --> 00:40:51,400
Speaker 5: They have access to financial counselors. They'll be able to

922
00:40:51,400 --> 00:40:55,040
Speaker 5: be financial counselors, and they will be able to help

923
00:40:55,320 --> 00:40:57,719
Speaker 5: you come up with a plan. They have access to

924
00:40:57,760 --> 00:40:59,920
Speaker 5: a lot of resources. They're well versed in all the

925
00:41:00,200 --> 00:41:03,200
Speaker 5: support programs that are available. You know that our government

926
00:41:03,239 --> 00:41:07,480
Speaker 5: assistance programs for people who are leaving hard situations. Again,

927
00:41:07,520 --> 00:41:10,040
Speaker 5: we don't really know exactly what your situation looks like,

928
00:41:10,160 --> 00:41:12,560
Speaker 5: but if those resources are needed, they will be able

929
00:41:12,560 --> 00:41:14,680
Speaker 5: to point you in the right direction. So have a

930
00:41:14,760 --> 00:41:16,279
Speaker 5: chat to them because they will be able to kind

931
00:41:16,280 --> 00:41:18,359
Speaker 5: of table for you what all the options are. It

932
00:41:18,400 --> 00:41:22,160
Speaker 5: will likely include bankruptcy as an option. It might include,

933
00:41:22,360 --> 00:41:24,840
Speaker 5: you know, consolidating your debt. They will be able to

934
00:41:24,880 --> 00:41:27,480
Speaker 5: talk you through all the different things having looked at

935
00:41:27,480 --> 00:41:30,520
Speaker 5: your situation holistically, because obviously, where we've just got a

936
00:41:30,560 --> 00:41:32,760
Speaker 5: DM to go off of, we we can only provide

937
00:41:33,080 --> 00:41:36,759
Speaker 5: very generalized insite. So I think having someone look at

938
00:41:36,760 --> 00:41:39,560
Speaker 5: your situation in depth and provide you all of your

939
00:41:39,640 --> 00:41:42,600
Speaker 5: options will probably be really empowering for you to help

940
00:41:42,600 --> 00:41:45,759
Speaker 5: you see what the right move is. So I would

941
00:41:45,800 --> 00:41:47,239
Speaker 5: be having a chat to them and yeah, I would

942
00:41:47,280 --> 00:41:49,840
Speaker 5: really just be running your numbers and seeing, Okay, well

943
00:41:50,120 --> 00:41:51,839
Speaker 5: how much money do I need to make and what

944
00:41:51,880 --> 00:41:54,520
Speaker 5: can I do to make that happen? Because it is

945
00:41:54,560 --> 00:41:57,759
Speaker 5: a short term thing. We've said before, living by yourself

946
00:41:58,080 --> 00:42:00,359
Speaker 5: is far more expensive than living with a cup. That's

947
00:42:00,440 --> 00:42:03,520
Speaker 5: unfortunately just the reality of it. But there are lots

948
00:42:03,520 --> 00:42:05,680
Speaker 5: of things that you can do to lessen that burden,

949
00:42:05,960 --> 00:42:07,520
Speaker 5: like share housing and things like that too.

950
00:42:07,640 --> 00:42:09,879
Speaker 7: Yes, also sendlink is also a really good option. Also,

951
00:42:09,920 --> 00:42:12,000
Speaker 7: if you're on sendlink for a certain amount of time,

952
00:42:12,080 --> 00:42:14,560
Speaker 7: you can claim financial hardship. It's a whole thing.

953
00:42:14,800 --> 00:42:17,640
Speaker 3: Maybe just Google yah literally can get in touch with

954
00:42:17,719 --> 00:42:21,400
Speaker 3: the National Debt Helpline. They are incredible and They're not

955
00:42:21,680 --> 00:42:24,960
Speaker 3: just for people who are up Chip Creek without a paddle.

956
00:42:25,160 --> 00:42:27,359
Speaker 3: I think so many times you think you can't call

957
00:42:27,400 --> 00:42:30,319
Speaker 3: these services because your situation isn't bad enough for that,

958
00:42:30,360 --> 00:42:34,319
Speaker 3: you aren't as in need just call like because they'll

959
00:42:34,360 --> 00:42:36,760
Speaker 3: let you know and be like, oh, actually you're fine,

960
00:42:37,080 --> 00:42:39,880
Speaker 3: and maybe that's the validation you need to leave, Like

961
00:42:40,239 --> 00:42:43,040
Speaker 3: you might be not budgeting correctly and they can like

962
00:42:43,280 --> 00:42:45,360
Speaker 3: tweak a few things and then you're on in your.

963
00:42:45,239 --> 00:42:45,879
Speaker 1: Way, right.

964
00:42:46,040 --> 00:42:48,920
Speaker 3: Yeah, But I think that the other thing I want

965
00:42:48,960 --> 00:42:51,840
Speaker 3: to say is one eight hundred. Respect is a really

966
00:42:51,880 --> 00:42:56,440
Speaker 3: fantastic resource that again is underutilized because so many times

967
00:42:56,520 --> 00:42:58,520
Speaker 3: you think, oh, I have to be in a super

968
00:42:58,560 --> 00:43:00,880
Speaker 3: abusive relationship or I have to be in these like

969
00:43:01,040 --> 00:43:04,880
Speaker 3: really really bad situations to reach out. But you could

970
00:43:04,880 --> 00:43:06,680
Speaker 3: pick up the phone and they can give you the

971
00:43:06,719 --> 00:43:09,319
Speaker 3: emotional support you need, a little bit of guidance, like

972
00:43:09,360 --> 00:43:11,800
Speaker 3: some resources that are going to point you in the

973
00:43:11,880 --> 00:43:15,120
Speaker 3: right direction and on the right path. And then also

974
00:43:16,000 --> 00:43:19,360
Speaker 3: it takes a village, so like you've obviously sat down

975
00:43:19,560 --> 00:43:21,200
Speaker 3: and done all of the numbers and you're just like

976
00:43:21,320 --> 00:43:24,040
Speaker 3: probably in your own head about the plans and what's

977
00:43:24,080 --> 00:43:29,000
Speaker 3: going on. Sometimes we need to reach out sometimes we

978
00:43:29,040 --> 00:43:32,000
Speaker 3: need to get in contact with these resources. I'm not

979
00:43:32,080 --> 00:43:34,040
Speaker 3: saying you have to tell your friends and family. And

980
00:43:34,080 --> 00:43:37,000
Speaker 3: I feel so privileged to have seen this DM coming

981
00:43:37,040 --> 00:43:39,840
Speaker 3: through because you've just told me. I haven't told anybody,

982
00:43:39,840 --> 00:43:42,239
Speaker 3: but I think I'm going to leave my husband. Thank

983
00:43:42,280 --> 00:43:45,160
Speaker 3: you for trusting us with that. Like, I want to

984
00:43:45,200 --> 00:43:47,520
Speaker 3: know that you are safe and well and on the

985
00:43:47,600 --> 00:43:50,279
Speaker 3: right path. But the best way to do that is

986
00:43:50,320 --> 00:43:53,120
Speaker 3: to literally reach out to some professionals and be like, look,

987
00:43:53,640 --> 00:43:56,799
Speaker 3: I really want to leave my husband, and I have

988
00:43:56,880 --> 00:43:58,920
Speaker 3: done all the budget and I don't think it's going

989
00:43:58,960 --> 00:44:00,879
Speaker 3: to be possible, and they're going to go, Okay, sit down,

990
00:44:00,920 --> 00:44:01,319
Speaker 3: sit down.

991
00:44:01,400 --> 00:44:03,200
Speaker 1: What we can do is and they're.

992
00:44:03,000 --> 00:44:04,960
Speaker 3: Going to be able to lean on different resources and

993
00:44:05,000 --> 00:44:08,120
Speaker 3: work out what you're eligible for, and just they're there

994
00:44:08,200 --> 00:44:11,000
Speaker 3: to help you. They aren't there for the worst of

995
00:44:11,040 --> 00:44:14,160
Speaker 3: the worst situations. They absolutely are, but like they're also

996
00:44:14,200 --> 00:44:16,960
Speaker 3: there for you. So we're going to put those resources

997
00:44:16,960 --> 00:44:20,480
Speaker 3: in the show notes, and I'm hoping that you know,

998
00:44:20,800 --> 00:44:23,040
Speaker 3: you take us up on those because they are literally

999
00:44:23,040 --> 00:44:26,799
Speaker 3: beautiful people. We also asked the community, so we said,

1000
00:44:26,800 --> 00:44:29,440
Speaker 3: what would you guys do if you are our community? Member,

1001
00:44:30,280 --> 00:44:32,600
Speaker 3: sixty eight percent of you said I'm going to start

1002
00:44:32,840 --> 00:44:36,719
Speaker 3: planning for a secret financial exit, sixteen percent of you

1003
00:44:36,760 --> 00:44:38,920
Speaker 3: said I'm going to leave even if it means struggling,

1004
00:44:39,600 --> 00:44:42,200
Speaker 3: fifteen percent said I honestly don't know what to do,

1005
00:44:42,400 --> 00:44:44,600
Speaker 3: and then one percent said I'm actually just going to

1006
00:44:44,600 --> 00:44:46,279
Speaker 3: stay to share the financial load.

1007
00:44:47,320 --> 00:44:49,719
Speaker 5: It's horrible that people find themselves in a situation where

1008
00:44:49,719 --> 00:44:51,319
Speaker 5: they feel that they have to do that.

1009
00:44:51,520 --> 00:44:52,239
Speaker 1: Yeah.

1010
00:44:52,320 --> 00:44:54,640
Speaker 3: We then asked, have you ever felt stuck in a

1011
00:44:54,680 --> 00:44:58,600
Speaker 3: relationship because of money? Fifty three percent of you, thank god,

1012
00:44:58,760 --> 00:45:02,120
Speaker 3: said no. Luckily, twenty eight percent of you said no,

1013
00:45:02,200 --> 00:45:05,279
Speaker 3: but I've seen it all around me. Thirteen percent of

1014
00:45:05,280 --> 00:45:07,920
Speaker 3: you said yes and I left, and six percent of

1015
00:45:08,000 --> 00:45:10,640
Speaker 3: you said, yep, I'm still there. So then we said

1016
00:45:10,719 --> 00:45:13,279
Speaker 3: we want you two cents, like, what advice have you

1017
00:45:13,320 --> 00:45:15,880
Speaker 3: got for our listener? What advice have you got for

1018
00:45:15,960 --> 00:45:19,360
Speaker 3: our community member? First person said, legal advice is the

1019
00:45:19,400 --> 00:45:22,760
Speaker 3: best step here. Often the debt isn't actually split evenly,

1020
00:45:23,000 --> 00:45:25,360
Speaker 3: as overall it may not be fifty to fifty, and

1021
00:45:25,400 --> 00:45:27,520
Speaker 3: it can be allocated more to your partner.

1022
00:45:27,640 --> 00:45:28,319
Speaker 1: It's a great point.

1023
00:45:28,680 --> 00:45:30,960
Speaker 3: Well, I think it's a really good point as well, because,

1024
00:45:30,960 --> 00:45:33,279
Speaker 3: like you're just operating under the assumption. Well, both of

1025
00:45:33,280 --> 00:45:34,400
Speaker 3: our names are on it.

1026
00:45:34,400 --> 00:45:35,200
Speaker 1: It is my debt.

1027
00:45:35,560 --> 00:45:37,880
Speaker 3: Like that doesn't mean it can't be negotiated to go,

1028
00:45:38,280 --> 00:45:42,680
Speaker 3: hey mate, yes, we're getting a divorce. Obviously financially, we've

1029
00:45:42,680 --> 00:45:45,120
Speaker 3: wracked up heaps of credit card debt. It actually was

1030
00:45:45,160 --> 00:45:47,160
Speaker 3: all you and not me, and I want to leave

1031
00:45:47,200 --> 00:45:50,959
Speaker 3: this relationship cleanly, like obviously might not be as clean

1032
00:45:50,960 --> 00:45:53,240
Speaker 3: as this, But they go, yeah, no worries.

1033
00:45:53,760 --> 00:45:55,239
Speaker 5: Or can you sell some the asset, Like if he's

1034
00:45:55,239 --> 00:45:57,120
Speaker 5: brought a boat, great, like either you take on the

1035
00:45:57,160 --> 00:45:58,480
Speaker 5: debt or selling the boat, you know.

1036
00:45:58,800 --> 00:45:59,359
Speaker 1: Things like that.

1037
00:45:59,480 --> 00:46:03,359
Speaker 3: Yeah, like filing for bankruptcy would impact him as well

1038
00:46:03,400 --> 00:46:06,160
Speaker 3: in this situation, so like there might be some ting

1039
00:46:06,200 --> 00:46:08,200
Speaker 3: and throwing. And if you talk to the National Debt

1040
00:46:08,239 --> 00:46:10,440
Speaker 3: Helpline they can give you options on what that might

1041
00:46:10,480 --> 00:46:11,360
Speaker 3: actually look like.

1042
00:46:12,080 --> 00:46:15,480
Speaker 1: Someone else said, I've been there, Please call the National

1043
00:46:15,520 --> 00:46:17,360
Speaker 1: Debt Hotline. They were awesome.

1044
00:46:18,200 --> 00:46:20,360
Speaker 3: Someone else said, what you said, Beck, go to sentling

1045
00:46:20,440 --> 00:46:21,920
Speaker 3: and see what you might be entitled to.

1046
00:46:22,040 --> 00:46:22,399
Speaker 2: Mm hmm.

1047
00:46:22,960 --> 00:46:26,839
Speaker 3: Another person didla a three parter. So first was this

1048
00:46:26,960 --> 00:46:30,360
Speaker 3: was me I left with debt as our credit card

1049
00:46:30,480 --> 00:46:33,280
Speaker 3: was in my name. I sold our unit at a loss.

1050
00:46:33,440 --> 00:46:35,760
Speaker 3: I have regrets as I wish I bought the unit,

1051
00:46:35,840 --> 00:46:38,400
Speaker 3: but don't regret leaving him for a minute. That was

1052
00:46:38,440 --> 00:46:41,600
Speaker 3: the best decision ever. Now, thirteen years later, I am

1053
00:46:41,640 --> 00:46:45,160
Speaker 3: in a great financial position with a fantastic husband and father.

1054
00:46:46,280 --> 00:46:50,040
Speaker 3: Isn't that so cute? Someone else said, can you safely

1055
00:46:50,239 --> 00:46:53,200
Speaker 3: be honest with him? If not, can you lean on

1056
00:46:53,239 --> 00:46:55,840
Speaker 3: your support system, Like can you sit down and have

1057
00:46:55,880 --> 00:46:59,600
Speaker 3: a chat, because obviously he doesn't know yet. Someone said,

1058
00:46:59,719 --> 00:47:01,960
Speaker 3: stayid with someone eight months un till he paid me

1059
00:47:02,120 --> 00:47:04,640
Speaker 3: back the fifteen thousand dollars I lent him and then

1060
00:47:04,680 --> 00:47:05,120
Speaker 3: I left.

1061
00:47:05,920 --> 00:47:08,560
Speaker 1: I mean, as you should, absolutely, but like.

1062
00:47:08,520 --> 00:47:11,160
Speaker 3: They should be paying it back, not be stuck in

1063
00:47:11,200 --> 00:47:13,720
Speaker 3: a relationship with you, Like if money is owed, money

1064
00:47:13,760 --> 00:47:14,120
Speaker 3: is owed.

1065
00:47:14,480 --> 00:47:17,520
Speaker 1: And then I've got two more. Someone said, leave your husband.

1066
00:47:17,520 --> 00:47:20,640
Speaker 3: You're going to be better off financially, mentally and emotionally.

1067
00:47:21,280 --> 00:47:21,560
Speaker 2: We know.

1068
00:47:22,080 --> 00:47:24,720
Speaker 3: And then the last one is my friend tried creating

1069
00:47:24,760 --> 00:47:28,080
Speaker 3: a plan, but he continued to increase the debt. You

1070
00:47:28,120 --> 00:47:31,839
Speaker 3: actually just need to get help now and leave, yes,

1071
00:47:31,920 --> 00:47:34,480
Speaker 3: because like otherwise it might just compound, like he might

1072
00:47:34,560 --> 00:47:36,879
Speaker 3: just get more spend ye, And I mean we know

1073
00:47:36,960 --> 00:47:40,400
Speaker 3: that if you're not happy and in a relationship spending

1074
00:47:40,440 --> 00:47:42,719
Speaker 3: my increase and budgets aren't stuck to like.

1075
00:47:43,920 --> 00:47:45,759
Speaker 7: That is a really tricky one, but I do hope

1076
00:47:45,760 --> 00:47:47,880
Speaker 7: this is okay. Please keep us updated if you have

1077
00:47:47,920 --> 00:47:50,719
Speaker 7: any questions about the bankruptcy thing. I almost got done

1078
00:47:50,800 --> 00:47:53,240
Speaker 7: by someone who was like, I'll pay me x amount

1079
00:47:53,280 --> 00:47:54,719
Speaker 7: of money and I'll do your bankruptcy. You can do

1080
00:47:54,719 --> 00:47:56,759
Speaker 7: it for free by yourself. Let me know if you

1081
00:47:56,840 --> 00:47:58,400
Speaker 7: need any help with that, and we'll.

1082
00:47:58,280 --> 00:48:00,399
Speaker 5: Put all the links to all the recent as we're

1083
00:48:00,400 --> 00:48:03,759
Speaker 5: trying to hundred for anyone you know might need them.

1084
00:48:03,840 --> 00:48:06,680
Speaker 5: There's some really great organizations out there that can help

1085
00:48:06,719 --> 00:48:07,160
Speaker 5: you get.

1086
00:48:07,000 --> 00:48:07,840
Speaker 1: One hundred percent.

1087
00:48:07,960 --> 00:48:11,080
Speaker 3: Well that's all from us today, guys. We will see

1088
00:48:11,080 --> 00:48:13,600
Speaker 3: you next week. I've got a money diary brighton early

1089
00:48:13,640 --> 00:48:14,640
Speaker 3: on Monday morning for you.

1090
00:48:14,680 --> 00:48:16,480
Speaker 1: But have the best weekend, by guys.

1091
00:48:16,600 --> 00:48:25,080
Speaker 3: By the advice shared on She's on the Money is

1092
00:48:25,160 --> 00:48:28,760
Speaker 3: general in nature and does not consider your individual circumstances.

1093
00:48:29,120 --> 00:48:32,520
Speaker 3: She's on the Money exists purely for educational purposes and

1094
00:48:32,560 --> 00:48:35,000
Speaker 3: should not be relied upon to make an investment or

1095
00:48:35,080 --> 00:48:36,080
Speaker 3: financial decision.

1096
00:48:36,480 --> 00:48:38,720
Speaker 1: If you do choose to buy a financial.

1097
00:48:38,280 --> 00:48:42,280
Speaker 9: Product, read the pds TMD and obtain appropriate financial.

1098
00:48:41,840 --> 00:48:43,640
Speaker 1: Advice tailored towards your needs.

1099
00:48:44,000 --> 00:48:47,960
Speaker 9: Victoria Divine and She's on the Money are authorized representatives

1100
00:48:48,000 --> 00:48:51,880
Speaker 9: of money sheirper Pty Ltd ABN three two one IS

1101
00:48:51,920 --> 00:48:55,759
Speaker 9: six four nine two seven seven zero eight AFSL four

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00:48:55,880 --> 00:49:00,640
Speaker 9: five one two eight ninet