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

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

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

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

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

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Speaker 1: the elders, the ancestors and the next generation coming through.

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Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and

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

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Speaker 1: and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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

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Speaker 2: who want financial freedom. Welcome back to another one of

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Speaker 2: our Friday episodes where we get our little team together

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Speaker 2: and celebrate you our incredible She's on the Money community.

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Speaker 2: This week, Miss j S. Greech is going to be

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Speaker 2: sharing her favorite money wins. Miss beck Sayed is back

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Speaker 2: and she has a couple of broke tips for us.

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Speaker 2: We're going to be talking this week about a juicy

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Speaker 2: money dilemma. This week, we're going to be answering a

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Speaker 2: question about how to be smart with your money when

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Speaker 2: you're single. And we're going to be unpacking something that

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Speaker 2: you slid into our DMS about this week. We're talking

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Speaker 2: about what to do when you've got concerns about your

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Speaker 2: partner's spending habits. Before we get there, though, Beck, Jess,

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Speaker 2: how are your weeks?

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Speaker 4: Jess, you go first, Thank you.

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Speaker 5: My wik's been good, nothing exciting. I've been watching a

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Speaker 5: lot of beame rush TikTok.

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Speaker 2: Yeah. I sent you the first video that came up

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Speaker 2: on you. Yeah, and I was like, I'm working on

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Speaker 2: the algorithm for you.

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Speaker 5: I have a curator. It's like every second video and

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Speaker 5: I'm living for and all I can think about is

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Speaker 5: how much I would have bodied being a sorority girl,

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Speaker 5: because they do like all these cute themes for each day.

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Speaker 2: And Jess was actually born to be American, Yeah, in

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Speaker 2: like the non offensive way yeah no no, no, no no,

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Speaker 2: but like in the Deep South sorority. Yeah, Jess was

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Speaker 2: meant to be born into a billionaire household so that

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Speaker 2: she could like seem everything not work, like just I.

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Speaker 5: Would have been a great rich housewife. Yeah, I'm okay

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Speaker 5: with that. Work towards that work towards.

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Speaker 4: Yeah, it's not impossible.

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Speaker 2: I just know that you would have been living your

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Speaker 2: best life. Like I just know that if I said

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Speaker 2: to Jess tomorrow, we're going to get up, We're going

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Speaker 2: to go to Starbucks, her ears would already be pricked. Yes,

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Speaker 2: we're going to Target. We're going to walk around Target.

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Speaker 2: We're going to go to pilates. At lunch time, we're

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Speaker 2: going to go get cobb salads and some Crispy diet coke.

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Speaker 2: She'd be like, I'll do anything.

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Speaker 5: It's fun. Whenever we go to the US for a

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Speaker 5: work trip, it's like we had to cosplay it for Like.

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Speaker 4: Do you know those TikTok where it's like they show

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Speaker 4: the college girls like they're about to go to college

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Speaker 4: and they're like, my name's.

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Speaker 5: And I'm going all this.

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Speaker 2: That.

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Speaker 4: I can see that for you. I don't want anything.

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Speaker 1: Else for you.

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Speaker 2: I just want that to come to fruition. So if

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Speaker 2: there is a billionaire listening that would like to adopt

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Speaker 2: Jess so she can live her best American sorority girl life, yes.

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Speaker 5: I'll be like maturity student already takes thirty.

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Speaker 2: Scho with skin like that, baby girl, you know what

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Speaker 2: you could do instead Mormon Housewife.

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Speaker 5: Did you say that they're making a reality show?

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Speaker 2: No, but I want to watch it.

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Speaker 5: What is it The Secret Lives of Mormon Wives or

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Speaker 5: something like that, say less less in the conversation.

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Speaker 2: We'll have this conversation later. We've just piped up Jess

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Speaker 2: and made her believe that things that are never going

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Speaker 2: to happen might happen. So I love that.

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Speaker 5: There.

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Speaker 2: Cow's your week, my week, My week, my week.

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Speaker 4: I got back from Sydney.

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Speaker 2: Birthday month.

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Speaker 4: It's birthday month. It is a bit of a shame.

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Speaker 4: I do feel like the birthday magic's wearing off. It's

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Speaker 4: now like midway through August, so I'm like.

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Speaker 5: You're right at the end of July, which makes it hard.

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Speaker 2: Yeah, I'm like, oh how much can I stretch this?

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Speaker 5: You know?

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Speaker 2: But I'm still trying. So it really feels like the month. Yeah,

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Speaker 2: we're only I think true. Okay, it does not exist.

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Speaker 4: Yeah, I think that's probably true. And once this is over,

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Speaker 4: then we've got Halloween, we've got Christmas. Like the magic just.

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Speaker 5: No, get it, you get it.

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Speaker 4: But no, my week's been really good. It's been really

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Speaker 4: I'm still trying to like look for a house so

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Speaker 4: anyone anywhere out there. I think at this point I'm

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Speaker 4: only going north side. I'm a beggar and I can't

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Speaker 4: be a chooser. So if anyone has also, she's being

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Speaker 4: a chooser by refusing to go east side.

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Speaker 5: What's outside or west side?

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Speaker 4: Yes, that's true. I think I will still be a

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Speaker 4: choosing but no, if anything comes up, but I'm like, hey,

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Speaker 4: Idlberg doesn't sound so bad, then maybe that's still north side.

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Speaker 2: I have no idea if we from the west, so

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Speaker 2: I'll go west. Geography is just not for me.

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Speaker 4: Well, I'll go anywhere. So that's that's my current situation.

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Speaker 4: So the weeks, Yeah, it's been, but otherwise it's been good.

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Speaker 4: What about you good?

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Speaker 2: Mine has been decidedly more boring than yours. I feel

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Speaker 2: like I've finally got into the daycare group, like I

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Speaker 2: am loving it, and I feel like we should talk

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Speaker 2: about this because I feel like so many mums on

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Speaker 2: TikTok and Instagram they're always talking about like, oh my gosh,

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Speaker 2: I feel so guilty going back to work, or I

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Speaker 2: feel so guilty that my kid's in daycare. Harvey loves it,

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Speaker 2: like he is having the best time ever. So they

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Speaker 2: have this little app where they upload photos throughout the

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Speaker 2: day and tell you what they're up to, and I'm

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Speaker 2: just like, these are things that I just don't have

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Speaker 2: the brain capacity for. Like he's doing all these sensory

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Speaker 2: activities and like last week they did baby Olympics for real.

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Speaker 2: Turns out maybe our educator is a really great storyteller,

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Speaker 2: because like the written thing said, oh my gosh, the

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Speaker 2: kids put on a spectacular performance today they were doing

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Speaker 2: artistic gymnastics, and Harvey really shone through. And then there's

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Speaker 2: just this picture of my baby who cannot sit up,

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Speaker 2: laying on a mat looking like a little sweet potato

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Speaker 2: holding a rainbow ribbon rattle, and that's his artistics, and

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Speaker 2: like I mean the other kids, because obviously the app

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Speaker 2: gets updated with all the kids they're like doing like

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Speaker 2: climbing activities and like running races and stuff, and it

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Speaker 2: was just so wholesome, and I just know that he's

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Speaker 2: having the best time while I get to come back

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Speaker 2: to work and be my best self. And I just

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Speaker 2: think it's so good and we need to talk more

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Speaker 2: about this, because like my week has been made knowing

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Speaker 2: that he's had a good week at daycare. And then

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Speaker 2: I come home and I'm like, tell me about your

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Speaker 2: baby day, like, what did you do? Obviously he can't

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Speaker 2: respond yet. I'm not that delusional, but I like go

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Speaker 2: through the app and I'm like, oh, you did this,

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Speaker 2: and then did you have this? And oh you had

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Speaker 2: a bottle at this time, and you know, I tell

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Speaker 2: him about my day and I'm like, this is going

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Speaker 2: to work for us. I really like it. So yeah,

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Speaker 2: a bit boring back at work, back in the office,

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Speaker 2: so I feel like I've spent a few days in

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Speaker 2: the office more than what I would usually, But so good,

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Speaker 2: so good.

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Speaker 4: You gotta keep your sanity. You got to talk to people.

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Speaker 4: You're in age.

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Speaker 2: I feel like you do. And I mean, if you

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Speaker 2: want to stay home, great, like fantastic. It's different horses

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Speaker 2: for different courses. But I just knew this was going

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Speaker 2: to be part of the narrative. And I have had

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Speaker 2: a few messages from people because I've posted on my

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Speaker 2: Instagram like Harvey is like daycare fit or whatever. They're like,

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Speaker 2: oh my gosh, how are you going with daycare? Do

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Speaker 2: you feel guilty? And I'm like, hold up, why is

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Speaker 2: that part of the Yeah, why is that part of

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Speaker 2: the narrative? Why would I feel guilty? Do you know

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Speaker 2: how expensive daycare is? Like if I turned around to you,

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Speaker 2: Beck and said I'm spending one hundred and ninety two

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Speaker 2: dollars a day on you, You'd be like blessed.

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Speaker 4: Yeah, hey, yeah, I would be like, do you feel guilty?

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Speaker 2: Well no, no, So I just yeah. I think it's

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Speaker 2: important to talk about because it's meant that I am

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Speaker 2: so much happier at work as well, knowing that he's

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Speaker 2: happy and having a really good time. But that's not

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Speaker 2: what today's about. Today's about our community. So let's dive

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Speaker 2: straight in, Jess, I saw the money Wins thread this

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Speaker 2: week and there were some good ones. What have you

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Speaker 2: pulled out to share?

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Speaker 5: Alrighty, My first one this week comes from Natasha who

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Speaker 5: said she's currently putting up curtains throughout her house. She

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Speaker 5: got a quote and they said for one room, a

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Speaker 5: singular room, it was going to cost her over twelve

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Speaker 5: hundred dollars.

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Speaker 4: Crazy.

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Speaker 5: Who new curtains were so expensive?

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Speaker 2: Not me, I know, we did remember when we got

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Speaker 2: that quote for.

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Speaker 5: The the office, and then well we did a bit

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Speaker 5: of a Natasha. We decided to do it ourselves, which

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Speaker 5: is exactly what she did. She went to Spotlight. They

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Speaker 5: had a forty percent off sale. She got all of

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Speaker 5: her curtains for six hundred bucks.

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Speaker 2: Money win, money Win. We did basically the same thing,

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Speaker 2: but we got them through Freedom and we just installed

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Speaker 2: them ourselves.

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Speaker 4: What do they do, Like, we're just like, you know

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Speaker 4: those sheer.

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Speaker 2: Curtains y, Yeah, Like it was so expensive.

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Speaker 4: And they like they just hang them, but you could just.

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Speaker 2: I'm assuming they also make them like they hang them,

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Speaker 2: And I mean you do get the extra bonus of

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Speaker 2: having them like trimmed to the right size. Sure, we

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Speaker 2: did that ourselves. Have you met Jess. She's now the

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Speaker 2: proud owner of a sewing machine. She can do anything.

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Speaker 5: Crafty queens. Next, even of money win from Anthea, who said,

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Speaker 5: money win. We've built a chicken coop out the back.

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Speaker 5: This one's for you back. We had stuff laying around

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Speaker 5: on our block. We only were forty dollars out of

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Speaker 5: pocket for lax and basic stuff like screws and buckets.

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Speaker 5: They already had the space in the yard and they

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Speaker 5: repurposed a aviary that their dad had built twenty eight

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Speaker 5: years ago. Oh my gosh, very wholesome. And there is

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Speaker 5: a photo of the chicken coop. I love photo pictures

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Speaker 5: a whole house literally like you could.

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Speaker 2: Is it in the north boat. Probably there's going to

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Speaker 2: be an issue if it's not.

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Speaker 5: A chicken coop.

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Speaker 2: No worries.

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Speaker 5: Next, even of money win from Alicia, who said, I

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Speaker 5: bought a very old, very burnt le crust pot for

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Speaker 5: anyone who doesn't know le cruse ah like super bougie,

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Speaker 5: very expensive, like four hundred dollars pots, but they're very

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Speaker 5: well made, their cast iron. They last you a lifetime.

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Speaker 2: I really, but I can't justify it.

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Speaker 5: I agree they're stunning.

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Speaker 2: I don't do enough like of that baking to get

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Speaker 2: the proper lucrat like I just don't have. Like if

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Speaker 2: you said, Victoria's a fry pan that you'd use every

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Speaker 2: night for dinner while cooking yourmaly spoons, I'd be like

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Speaker 2: slate can invest. No, not a.

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Speaker 5: Dutch And I think they do other stuff, but I'm

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Speaker 5: not sure anyway. At least she found this one for

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Speaker 5: fifty bucks on Facebook marketplace. She cleaned it up with

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Speaker 5: a lot of scrubbing and soaking and it looks perfect now.

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Speaker 5: She put in a photo and it was ninety percent

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Speaker 5: off of the normal retail price.

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Speaker 2: Oh look at her.

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Speaker 5: What a good job she did.

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Speaker 4: That is so good.

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Speaker 2: Do you know what this woman? Woman after my own heart? Really?

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Speaker 2: I think that she would like my cleaning stories highlight

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Speaker 2: on my Instagram because I'm a cleaner at heart. Have

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Speaker 2: you seen me in a canva ive and cleaner?

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Speaker 5: She loves to scrub.

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Speaker 2: I love it. Do you think I'm joking? Beck? No,

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Speaker 2: after the show, I'm going to show you my highlights.

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Speaker 2: I've seen you.

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Speaker 4: I've seen you. If I'm in a room with you

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Speaker 4: and a can of oven spray, I know that I'm

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Speaker 4: not being seen.

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Speaker 2: That's real tops and only spray oven spray outside.

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Speaker 5: Beck, Oh my gosh, all ranks.

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Speaker 2: I let you win.

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Speaker 5: From Matilda who said last night she got to see

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Speaker 5: Beauty in the Beast with a friend and they only

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Speaker 5: paid twenty four dollars per ticket because they won the lottery,

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Speaker 5: it's definitely worth entering the lotteries. So I'm getting there

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Speaker 5: with the context. It's definitely worth entering the lotteries. On

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Speaker 5: the Today ticks app, there's one for Wicked two. You

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Speaker 5: might remember me saying a while ago I was trying

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Speaker 5: to win tickets. Wicked didn't win sadly, but.

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Speaker 2: I never saw Wicked buy.

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Speaker 5: You can often enter last minute lottery when they have

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Speaker 5: extra seats left in the theater. They'll sometimes do it

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Speaker 5: like the stage door, but apps like today Ticks also

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Speaker 5: do it and you enter and you just go in

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Speaker 5: the for a chance to be able to buy like

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Speaker 5: a really cheap ticket. So in this case, they were

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Speaker 5: doing twenty four dollar tickets to see Beauty in the

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Speaker 5: Beast musical.

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Speaker 2: That's so cool. I feel like they're so expensive nowadays.

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Speaker 5: I was going to say, I feel like the ride

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Speaker 5: at the back seats are still like eighty ninety bucks normally,

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Speaker 5: and you know, up into the hundreds depending on how

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Speaker 5: close you get, So twenty four dollars is still my god.

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Speaker 2: Well, I was just thinking, wait, she won the lottery

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Speaker 2: and still had to pay.

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Speaker 4: Someone writes in one day, is like my money win

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Speaker 4: is I won the powerball?

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Speaker 2: My god. I had a client. I had a client,

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Speaker 2: do that, not a pre existing client. This is a

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Speaker 2: number of years ago. They came to me and said

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Speaker 2: I need financial advice, and I was like, great, no

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Speaker 2: worries come my way. And I was thinking like, oh,

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Speaker 2: this is probably like, you know, going to be a

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Speaker 2: smaller client, because you know, you have in your head

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Speaker 2: like maybe what a client's going to be like after

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Speaker 2: you read their fact find and like a few details

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Speaker 2: and they had omitted that. I was thinking, okay, Uni student,

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Speaker 2: like probably like we're going to talk about budget and

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Speaker 2: cash flow. And she's like, so I won like five

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Speaker 2: million dollars And I was like, sorry, what she's like?

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Speaker 2: And I just I don't really know what to do.

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Speaker 2: And I was like, this is very exciting. Who knows?

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Speaker 2: And she's like, well, a while ago you said on

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Speaker 2: a podcast like you don't have to tell anyone, so

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Speaker 2: I haven't told anyone. And I was like, oh, okay,

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Speaker 2: so you claimed the money yet, And I'm thinking that

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Speaker 2: maybe it's a joke. Any Way, full financial Plan. It

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Speaker 2: was not a joke. She didn't end up telling her parents,

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Speaker 2: doing some incredible things for her family. She donated some money,

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Speaker 2: she set herself up full life, but imagine winning five meal. Yeah,

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Speaker 2: you guys about what I would do, and like she

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Speaker 2: was most worried at that time. Sorry, I know that

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Speaker 2: the person who one listens to the show still so

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Speaker 2: hi Congress, but she was so worried in that meeting

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Speaker 2: with me. She's like do I have to pay you now?

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Speaker 2: Or like can I pay you later because I don't

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Speaker 2: have the money now, Like I can't pay for advice now.

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Speaker 2: And I was like, oh, this is fine, this is fine,

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Speaker 2: no worries, You're good for it. Imagine being like, I

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Speaker 2: know I have five million dollars coming, but I'm worried

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Speaker 2: about you know, a three thousand dollars invoice. Like I

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Speaker 2: get it, yeah, but holy moly.

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Speaker 4: Yeah.

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Speaker 2: I was like, how does that feel to live my dream?

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Speaker 5: I literally completely well speaking of living the dreams and

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Speaker 5: quit moved.

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Speaker 2: To America totally.

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Speaker 5: I'd becoming a I'd be my own rich, stay at homehouse.

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Speaker 5: You're like, I'm moving to Utah for the leader might

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Speaker 5: have been from Amanda talking about random crazy things. Apparently

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Speaker 5: Amazon Prime is filming a movie on the Goldie with

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Speaker 5: Mark Warwerk, and they asked if they could do some

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Speaker 5: filming on their cane farm. They pay them twenty grand

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Speaker 5: for three or four days of filming on their property.

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Speaker 2: You can have my house.

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Speaker 5: Literally, god crazy?

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Speaker 4: Is there any like negotiations? She's probably didn't mention or

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Speaker 4: they would just like, hey, we'll give you no idea.

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Speaker 5: I mean, if someone said to me, Hey, twenty grand

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Speaker 5: to use it, I'd be like buy all me.

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Speaker 2: Yeah, do you want me to clean the house first?

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Speaker 5: Literally, I'll do that. I'll sweep the fields, I'll do

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Speaker 5: whatever I've got to do the field.

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Speaker 4: Absolutely, like your cane field is going to feature in

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Speaker 4: a movie with.

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Speaker 5: You imagine seeing the movie being like kids, that's my cane.

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Speaker 4: Literally, that's They could pay me three dollars and I'd

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Speaker 4: still do that. That's really really cool.

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Speaker 5: So fun. And the last I have money in from

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Speaker 5: myself And a little reminder, it's after pay Day starting

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Speaker 5: today after pay Day's sales have been going on all

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Speaker 5: week though, which I have been taking advantage of. But

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Speaker 5: I wanted to buy something online. Actually, this jacket that

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Speaker 5: I'm wearing right now, I wanted to buy.

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Speaker 2: Already complimented on that it's very cute, but like it

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Speaker 2: looks very Garney, which is obviously very do you know

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Speaker 2: what you would love Garney. I'm gonna show you after

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Speaker 2: it's expensive. It's a gateway. You're not going to appreciate

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Speaker 2: me for showing you, but you will appreciate the fashion.

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Speaker 2: But it looks very Garney, which is expensive. And then

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Speaker 2: just was like, huh, I did a jess.

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Speaker 5: Yeah it's from Glassons Fan. I was wondering, but I

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Speaker 5: wanted to buy it online it was sold out and

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Speaker 5: after pay sale was only online. But I went into

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Speaker 5: the store anyway, and I just said, hey, like, I

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Speaker 5: saw this jacket online but it was on sale online,

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Speaker 5: but it's not on sale here. And they said, oh,

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Speaker 5: we can just price match it for you so I

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Speaker 5: could get my size. So if something you want is

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Speaker 5: a part of the sales, but it maybe is sold

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Speaker 5: out in your size or your color or whatever and

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Speaker 5: they have it in store, it's worth coming in store

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Speaker 5: and just trying to see if you can get a

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Speaker 5: price match, because I think a lot of the times

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Speaker 5: the stores will be happy to just have the sale

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Speaker 5: because a lot of people are probably not shopping in

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Speaker 5: store this week because they're using the after pay sales instead.

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Speaker 5: And reminder, you don't need to use after pay to

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Speaker 5: take advantage of the after pay sales because I've never

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Speaker 5: had after pay. I just want to take advantage of

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Speaker 5: the sales.

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Speaker 2: Yeah, yeah, yeah, And I was about to say oft

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Speaker 2: and they'll have a discount code for you to use

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Speaker 2: for after pay day that's like after pay day or something,

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Speaker 2: and you can use it even though your payment method

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Speaker 2: is not after pay, because it makes the sense, right,

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Speaker 2: like it makes sense for the company to make the

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Speaker 2: most of people who also don't have after paid they

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Speaker 2: might want to give that a crack.

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Speaker 5: They literally just branded it with their name. It's like

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Speaker 5: smart mouk. But you don't need to use it at all.

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Speaker 2: Seeh I also have a money when that I want

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Speaker 2: to share is that, Okay, please do this. One's for

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00:16:27,240 --> 00:16:31,520
Speaker 2: the Kindle goalies out there. So I currently have Kindle Unlimited,

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00:16:31,760 --> 00:16:34,520
Speaker 2: and if you have Kindle Unlimited, you know that you

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Speaker 2: don't get every single book that you might want to read. Anyway,

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Speaker 2: Kindle app is having a massive sale, and lots of

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Speaker 2: the books that I want to read at the moment

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Speaker 2: are like eighty to ninety percent off, so they're only

383
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Speaker 2: costing a couple of dollars to add to my Kindle.

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Speaker 2: So I've gone through added a heap of them and

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Speaker 2: I'm really excited about it. But that didn't come from me.

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Speaker 2: That actually came I was in the office yesterday and

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Speaker 2: the Zella girls were like, they're Kindle giralies. Like Maddie

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00:16:59,760 --> 00:17:03,080
Speaker 2: in the office, she reads like three books a week.

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Speaker 2: I don't know how she's like a speed reader and

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00:17:05,320 --> 00:17:08,880
Speaker 2: she doesn't even use the dyslexic font jesslexic fon Oh

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Speaker 2: my gosh, yes, what's that? Oh side note, So on

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Speaker 2: your kindle you can like change the fonts and like

393
00:17:17,080 --> 00:17:21,280
Speaker 2: how it's viewed and like the font size and stuff. Right, yes, yes,

394
00:17:21,400 --> 00:17:23,840
Speaker 2: but you're gonna love this, Jess. So there is a

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Speaker 2: font called open dyslexic and you don't have to be

396
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Speaker 2: dyslexic to use it. And I'm obsessed with it because

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00:17:29,680 --> 00:17:33,520
Speaker 2: it's basically been crafted to be easier on your eyes

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Speaker 2: to flow along the words and read quicker. So I

399
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Speaker 2: use it and it makes my kindle experience just much nicer,

400
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Speaker 2: much easier. We got into this debate in the office

401
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Speaker 2: a couple of weeks ago because we have an internal

402
00:17:46,240 --> 00:17:48,879
Speaker 2: we have book club at work. We're very cool, thanks

403
00:17:48,920 --> 00:17:52,160
Speaker 2: for asking, and we're currently reading something. I say, we'll

404
00:17:52,160 --> 00:17:53,879
Speaker 2: try the font that I'm obsessed with, and all the

405
00:17:53,920 --> 00:17:58,680
Speaker 2: girls were like, that looks like clown font does not

406
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Speaker 2: look legible, Victoria, and I was like, give it a crack.

407
00:18:01,920 --> 00:18:05,400
Speaker 2: Went in yesterday and Georgia was like, Victoria, I'm really sorry,

408
00:18:05,480 --> 00:18:07,399
Speaker 2: but like this is the best font ever, I'm reading

409
00:18:07,480 --> 00:18:09,639
Speaker 2: so much quicker. It is so good, so give it

410
00:18:09,680 --> 00:18:12,320
Speaker 2: a try. It's already on your kindle, like you don't

411
00:18:12,359 --> 00:18:14,399
Speaker 2: have to download or do anything, but it makes it

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Speaker 2: so much quicker. And that's not what I came here

413
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Speaker 2: to tell you. It came here to tell you that

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Speaker 2: lots of books are cheap right now.

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Speaker 5: Excellent.

416
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Speaker 4: We love that.

417
00:18:20,520 --> 00:18:21,520
Speaker 5: I can't wait to have a look.

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00:18:21,840 --> 00:18:24,120
Speaker 2: Would you like some broke tips though, because we've taken

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Speaker 2: over this segment.

420
00:18:25,240 --> 00:18:28,520
Speaker 4: Hey, no, that's quite all right. I'll be very quick.

421
00:18:28,600 --> 00:18:31,440
Speaker 4: Don't mind me. I'm just going to read you two

422
00:18:31,480 --> 00:18:32,920
Speaker 4: from the community. One for myself.

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00:18:32,960 --> 00:18:35,680
Speaker 2: Well I didn't see that come yeah, I had sort

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Speaker 2: of changed it off a little bit. Okay.

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00:18:37,680 --> 00:18:40,359
Speaker 4: So the first one comes from a friend of mine.

426
00:18:40,440 --> 00:18:43,280
Speaker 4: I posted on my story your girlfriend, if you're no,

427
00:18:43,400 --> 00:18:44,280
Speaker 4: not my girlfriend, this time?

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Speaker 2: Not my girlfriend. I like how she here, he always

429
00:18:45,960 --> 00:18:50,280
Speaker 2: says this time because we all know, we always.

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Speaker 4: We all know. No, she's in the UK, so the

431
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Speaker 4: time zone makes it very hard to ask her before

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Speaker 4: I come in here in a panic, what do I

433
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Speaker 4: do because she's currently asleep?

434
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Speaker 2: But wake up, it's broke tip time.

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00:19:01,000 --> 00:19:03,720
Speaker 4: So this one comes from Jacinta who says, buy upsized

436
00:19:03,880 --> 00:19:06,960
Speaker 4: am Pole fuel vouchers on shop back seven percent off,

437
00:19:07,280 --> 00:19:11,639
Speaker 4: then scan your Woolies card for points. Okay, Queen, that

438
00:19:11,800 --> 00:19:13,720
Speaker 4: sounds like a great idea, not.

439
00:19:13,720 --> 00:19:16,280
Speaker 2: Just that's genius. You're like hacking the system. You get

440
00:19:16,320 --> 00:19:19,240
Speaker 2: a better discount on fuel, do you reckon? You could

441
00:19:19,280 --> 00:19:23,159
Speaker 2: also use your like supermarket discount, I reckon, like you

442
00:19:23,520 --> 00:19:27,159
Speaker 2: stack them triple whamm it, you could stack them, oh,

443
00:19:27,200 --> 00:19:28,200
Speaker 2: discount stacking.

444
00:19:28,320 --> 00:19:30,440
Speaker 5: There's lots of upsized cash back this week with after

445
00:19:30,440 --> 00:19:32,679
Speaker 5: Payday too, so like, have a look at your favorite

446
00:19:32,680 --> 00:19:34,639
Speaker 5: brands and stuff. Because I got something on the Iconic

447
00:19:34,640 --> 00:19:36,240
Speaker 5: it was twenty cent cash back, So I was like.

448
00:19:36,680 --> 00:19:39,560
Speaker 2: Yeah, I actually bought something. It was for work. I

449
00:19:39,600 --> 00:19:42,320
Speaker 2: bought something on the Adobe website and I actually got

450
00:19:42,359 --> 00:19:45,959
Speaker 2: fifty percent cash back on shot back. Amazing, Wow, fifty

451
00:19:46,840 --> 00:19:48,760
Speaker 2: isn't that good and do expensive?

452
00:19:48,880 --> 00:19:49,719
Speaker 4: Yeah it is.

453
00:19:49,880 --> 00:19:52,520
Speaker 2: I was like money win because I actually had to

454
00:19:52,560 --> 00:19:55,400
Speaker 2: purchase it. It wasn't like I said to read. Yeah,

455
00:19:55,400 --> 00:19:58,359
Speaker 2: I had to purchase some Adobe pdafreeder for work, which

456
00:19:58,440 --> 00:20:00,000
Speaker 2: was not that sexy. But then when I got fifty

457
00:20:00,040 --> 00:20:02,840
Speaker 2: business cash back, I was like, Okay, so that's now

458
00:20:02,920 --> 00:20:05,119
Speaker 2: my money money.

459
00:20:06,520 --> 00:20:09,920
Speaker 4: Wow. Anyway, sorry story there, No, don't be sorry at all.

460
00:20:10,280 --> 00:20:12,280
Speaker 4: The next one comes from Bex. And now I just

461
00:20:12,320 --> 00:20:14,640
Speaker 4: want to preface this by saying that this person did

462
00:20:14,720 --> 00:20:17,359
Speaker 4: have permission to do this. So the office next door

463
00:20:17,440 --> 00:20:19,600
Speaker 4: I'm assuming to their office had to clear out, and

464
00:20:19,800 --> 00:20:23,479
Speaker 4: this person dumpster dove and sold items on Marketplace and

465
00:20:23,720 --> 00:20:25,520
Speaker 4: just got a free hundred fifty bucks, which is really

466
00:20:25,520 --> 00:20:27,560
Speaker 4: good because sometimes we do that here at this office,

467
00:20:27,600 --> 00:20:32,359
Speaker 4: and like we're not throwing out like old broken lounges,

468
00:20:32,400 --> 00:20:35,320
Speaker 4: like we're throwing out office chairs and desks that we

469
00:20:35,359 --> 00:20:38,040
Speaker 4: don't use anymore and just everything like key cups, all

470
00:20:38,080 --> 00:20:38,360
Speaker 4: these things.

471
00:20:38,600 --> 00:20:41,160
Speaker 2: Really put it on Facebook Marketplace, Well.

472
00:20:41,080 --> 00:20:42,280
Speaker 4: That's what you do if you're doing it for your

473
00:20:42,280 --> 00:20:44,120
Speaker 4: own house. But if it's like an office clear out,

474
00:20:44,119 --> 00:20:45,920
Speaker 4: which is what was happening here, and what does happen

475
00:20:45,960 --> 00:20:48,159
Speaker 4: in this office too, no one's going through.

476
00:20:48,200 --> 00:20:50,560
Speaker 2: It's a picture of it, like and say, we're gonna

477
00:20:50,560 --> 00:20:53,320
Speaker 2: put all of this outside, and it's at this location.

478
00:20:53,480 --> 00:20:55,920
Speaker 2: You can come and take it from, you know, near

479
00:20:55,960 --> 00:20:58,760
Speaker 2: the dumpster or whatever. I just hate the idea that

480
00:20:58,800 --> 00:21:00,399
Speaker 2: it's all going to waste.

481
00:21:00,440 --> 00:21:02,639
Speaker 4: But yeah, I think if it's like a big company

482
00:21:02,640 --> 00:21:05,000
Speaker 4: where there's like so many people and the person in

483
00:21:05,080 --> 00:21:07,520
Speaker 4: charge isn't going to be doing that. Ye, they're just like.

484
00:21:07,560 --> 00:21:09,560
Speaker 2: But if you if I did for our office, we

485
00:21:09,680 --> 00:21:12,359
Speaker 2: recently packed up one of our Zella officers and we

486
00:21:12,400 --> 00:21:15,359
Speaker 2: put so much stuff on Facebook marketplace because I was like,

487
00:21:15,480 --> 00:21:18,200
Speaker 2: I can't imagine throwing it out obviously, I don't want

488
00:21:18,200 --> 00:21:20,159
Speaker 2: to put it into storage, Like it just feels so

489
00:21:20,320 --> 00:21:24,760
Speaker 2: wasteful totally, and like it technically could have been sold,

490
00:21:25,240 --> 00:21:27,080
Speaker 2: Like I definitely could have made money from it. But

491
00:21:27,119 --> 00:21:29,320
Speaker 2: you know, when you want something to just move, I'm like,

492
00:21:29,440 --> 00:21:32,760
Speaker 2: I know if I put this like set of bookcases

493
00:21:32,840 --> 00:21:35,040
Speaker 2: up for free, someone's going to go that's a money

494
00:21:35,040 --> 00:21:37,359
Speaker 2: win and come and collect it that same day. Like

495
00:21:37,480 --> 00:21:41,720
Speaker 2: this stuff moves. Definitely offer it because like even like

496
00:21:41,800 --> 00:21:44,679
Speaker 2: desk chairs and stuff, like if you're in a share so.

497
00:21:45,040 --> 00:21:50,040
Speaker 5: Expensive, I'm like, five hundred dollars isn't like crazy.

498
00:21:50,320 --> 00:21:55,120
Speaker 2: This woman she's been complaining. I'm calling her out publicly now.

499
00:21:55,800 --> 00:21:59,880
Speaker 2: She has been complaining for what would you say, twelve months?

500
00:22:00,040 --> 00:22:03,280
Speaker 5: I worked at the company, two years, three years.

501
00:22:03,480 --> 00:22:05,479
Speaker 2: She's like, I don't have a good desk set up

502
00:22:05,480 --> 00:22:07,760
Speaker 2: at home, Like I don't have a good desk chair.

503
00:22:07,840 --> 00:22:09,920
Speaker 2: I don't have a desk. I really want one of

504
00:22:09,960 --> 00:22:14,760
Speaker 2: those standing desks. I've said I'll pay for it. I'm like,

505
00:22:16,280 --> 00:22:18,919
Speaker 2: I will buy that for you. Not only will I

506
00:22:18,920 --> 00:22:21,320
Speaker 2: buy it for you, just put it on my credit card.

507
00:22:21,600 --> 00:22:24,440
Speaker 2: You've got the details. Have you done it? Are you

508
00:22:24,480 --> 00:22:27,160
Speaker 2: still complaining about it?

509
00:22:26,359 --> 00:22:28,360
Speaker 4: I'm just going.

510
00:22:28,359 --> 00:22:30,200
Speaker 2: To get to a point where I just send it

511
00:22:30,240 --> 00:22:32,400
Speaker 2: to her house and it's not going to be what

512
00:22:32,440 --> 00:22:35,439
Speaker 2: she wants because she won't tell me what she wants.

513
00:22:35,920 --> 00:22:40,840
Speaker 2: But I'll out the amount of money this woman spends

514
00:22:40,840 --> 00:22:46,040
Speaker 2: it the chiropractor significantly what a new desk would compay

515
00:22:46,119 --> 00:22:46,360
Speaker 2: for a.

516
00:22:46,320 --> 00:22:49,399
Speaker 5: Desk by now true, which is like an imagine the

517
00:22:49,400 --> 00:22:49,960
Speaker 5: way would.

518
00:22:49,760 --> 00:22:50,840
Speaker 2: The fun in that bay?

519
00:22:51,040 --> 00:22:53,240
Speaker 4: Yeah, exactly, I imagine with a little treadmill. Do you

520
00:22:53,240 --> 00:22:54,080
Speaker 4: think you'd be one of those?

521
00:22:59,160 --> 00:23:01,440
Speaker 5: Sometimes I try. I put my laptop on the there's

522
00:23:01,480 --> 00:23:04,720
Speaker 5: like a bar for your hands. Sometimes I balance the laptop,

523
00:23:05,400 --> 00:23:06,720
Speaker 5: but it's very it's dangerous game.

524
00:23:06,760 --> 00:23:09,160
Speaker 2: And sometimes you zoomer and she's like wobbling and you're like, oh,

525
00:23:09,200 --> 00:23:13,680
Speaker 2: she's on the walking treadmill. I actually laughed so much

526
00:23:13,800 --> 00:23:16,919
Speaker 2: because she even has a spare room in her house

527
00:23:17,000 --> 00:23:20,280
Speaker 2: Beck for a study to go that is waiting for

528
00:23:20,320 --> 00:23:21,880
Speaker 2: this desk that she still hasn't order.

529
00:23:22,000 --> 00:23:24,320
Speaker 4: Maybe do it right before July.

530
00:23:24,359 --> 00:23:28,040
Speaker 2: So that you she leaves this office one do you

531
00:23:28,119 --> 00:23:29,640
Speaker 2: want let's order it.

532
00:23:29,640 --> 00:23:33,560
Speaker 5: All the gear? No idea anyway? Tip?

533
00:23:34,080 --> 00:23:36,720
Speaker 4: Oh yes, okay. So my one is also I just

534
00:23:36,760 --> 00:23:39,560
Speaker 4: want to shout out to my friend Amy who also

535
00:23:39,680 --> 00:23:41,560
Speaker 4: did the same thing, because I don't want them to

536
00:23:41,560 --> 00:23:44,360
Speaker 4: think that I'm stealing their idea. But I can't why

537
00:23:44,400 --> 00:23:44,800
Speaker 4: I had.

538
00:23:44,640 --> 00:23:46,520
Speaker 2: To disclaim it before. I was like, I didn't come

539
00:23:46,560 --> 00:23:48,320
Speaker 2: up with the kindle thing Maddie in the office did.

540
00:23:48,359 --> 00:23:50,439
Speaker 5: Sorry credit where credit is you?

541
00:23:50,880 --> 00:23:53,000
Speaker 4: And I know that this is one that we've probably

542
00:23:53,000 --> 00:23:55,440
Speaker 4: mentioned before about like you know, like house sitting, pet sitting,

543
00:23:55,440 --> 00:23:57,239
Speaker 4: all this kind of stuff. But my broke tip is

544
00:23:57,760 --> 00:23:59,800
Speaker 4: have a look, especially if you're in a situation like

545
00:24:00,240 --> 00:24:03,359
Speaker 4: where you're kind of like maybe needing to move. I

546
00:24:03,359 --> 00:24:05,919
Speaker 4: guess it's more for if you have the time, if

547
00:24:05,920 --> 00:24:08,480
Speaker 4: you have the luxury of time, and you do have

548
00:24:08,520 --> 00:24:10,960
Speaker 4: the option to kind of like go into a share

549
00:24:10,960 --> 00:24:12,679
Speaker 4: house or rent your own house or whatever, but it

550
00:24:12,720 --> 00:24:15,280
Speaker 4: could also help people who really are an urgent need

551
00:24:15,320 --> 00:24:18,040
Speaker 4: of you know, how accommodation. There are websites where you

552
00:24:18,080 --> 00:24:22,520
Speaker 4: can house sit for like long periods of time, and

553
00:24:23,080 --> 00:24:25,080
Speaker 4: I think that there are some that actually pay you

554
00:24:25,119 --> 00:24:27,879
Speaker 4: as well, so you get free accommodation. Sometimes you are

555
00:24:27,920 --> 00:24:30,800
Speaker 4: actually paid and you're just in someone else's house and

556
00:24:30,840 --> 00:24:33,720
Speaker 4: you're you know, obviously I think you need if you're

557
00:24:33,760 --> 00:24:36,239
Speaker 4: going to like register a on a website for other

558
00:24:36,280 --> 00:24:38,480
Speaker 4: people to find you, you do need some credentials or something.

559
00:24:39,640 --> 00:24:40,639
Speaker 4: Police checkers like that.

560
00:24:40,720 --> 00:24:42,920
Speaker 2: We've used one of those websites before when Steve and

561
00:24:42,960 --> 00:24:45,119
Speaker 2: I have gone on holiday because I don't like putting

562
00:24:45,160 --> 00:24:47,919
Speaker 2: my pets in categories yeah and or like the doggery

563
00:24:48,000 --> 00:24:51,200
Speaker 2: or whatever it is. And so they do have police checks,

564
00:24:51,280 --> 00:24:53,200
Speaker 2: like they all checked, and they often have really good

565
00:24:53,240 --> 00:24:55,720
Speaker 2: reviews so you can see what other pet parents have said,

566
00:24:55,880 --> 00:24:58,359
Speaker 2: like oh, Beck actually left the house so clean and

567
00:24:58,359 --> 00:25:00,399
Speaker 2: my pets are really happy, and that makes you like

568
00:25:00,720 --> 00:25:02,840
Speaker 2: feel a lot better. Yes, But then there's usually an

569
00:25:02,840 --> 00:25:04,800
Speaker 2: interview process too, so like you might come to my

570
00:25:04,840 --> 00:25:06,720
Speaker 2: place for a coffee, meet the pets, and then I

571
00:25:06,720 --> 00:25:08,240
Speaker 2: get a feel for you and then I go, yeah,

572
00:25:08,240 --> 00:25:10,000
Speaker 2: it should be great, so like it's not just like

573
00:25:10,040 --> 00:25:12,680
Speaker 2: a random coming into your house. I don't feel no,

574
00:25:12,840 --> 00:25:15,440
Speaker 2: totally so I think, Yeah, if you're in a position

575
00:25:15,720 --> 00:25:17,720
Speaker 2: like myself, or you just need housing, or you just

576
00:25:17,760 --> 00:25:20,960
Speaker 2: want to save a buck, try out house sitting. I

577
00:25:20,960 --> 00:25:22,640
Speaker 2: feel like that's a really good one, but I kind

578
00:25:22,640 --> 00:25:24,479
Speaker 2: of want to I don't know if this is building

579
00:25:24,480 --> 00:25:26,680
Speaker 2: on it or just questioning it. I feel like it

580
00:25:26,720 --> 00:25:29,480
Speaker 2: would low keep the genius even if you have accommodation

581
00:25:30,160 --> 00:25:33,440
Speaker 2: to house it over winter. Oh yeah, and like so

582
00:25:33,520 --> 00:25:37,440
Speaker 2: that you're not paying your electricity bill or your game brand,

583
00:25:39,200 --> 00:25:43,920
Speaker 2: go live in someone else's house, use their heater, get

584
00:25:44,000 --> 00:25:46,840
Speaker 2: paid for that privilege. Turn off the heater at home.

585
00:25:47,080 --> 00:25:48,919
Speaker 4: That's such a great idea. Or if you want it.

586
00:25:48,960 --> 00:25:50,760
Speaker 4: If you do want to go on holiday, you already

587
00:25:50,840 --> 00:25:53,280
Speaker 4: know that you're going on holiday from this period to

588
00:25:53,280 --> 00:25:56,200
Speaker 4: this period. If this just happens register.

589
00:25:56,040 --> 00:25:58,440
Speaker 2: Especially if you've booked a holiday in advance, which I'm

590
00:25:58,480 --> 00:26:02,960
Speaker 2: assuming most people do. Like go pop yourself up genius.

591
00:26:03,200 --> 00:26:05,520
Speaker 4: Yeah totally, So that's me for this.

592
00:26:06,280 --> 00:26:08,640
Speaker 2: I love that. I think that's a good one. Beck

593
00:26:08,920 --> 00:26:11,120
Speaker 2: Let's go to a really quick break because I am

594
00:26:11,240 --> 00:26:13,480
Speaker 2: excited to get into the nitty gritty. On the flip side,

595
00:26:13,520 --> 00:26:15,400
Speaker 2: we're gonna be talking about being smart with your money

596
00:26:15,400 --> 00:26:17,760
Speaker 2: when you're single, and then we're gonna be talking about

597
00:26:17,760 --> 00:26:19,640
Speaker 2: a topic that you slid into our dms about which

598
00:26:19,680 --> 00:26:21,440
Speaker 2: this week we're talking about what do you do when

599
00:26:21,480 --> 00:26:25,480
Speaker 2: you've got concerns about your partner's spending? So don't go anywhere, guys.

600
00:26:29,280 --> 00:26:31,639
Speaker 5: Welcome back everybody. Let's take a listen to this week's

601
00:26:31,720 --> 00:26:32,600
Speaker 5: money dilemma.

602
00:26:35,040 --> 00:26:37,399
Speaker 2: Hi. There, have you got a money dilemma you just

603
00:26:37,440 --> 00:26:39,960
Speaker 2: can't solve? The Sheese on the Money team is here

604
00:26:40,000 --> 00:26:43,240
Speaker 2: to help. Every week, we tackle your dilemmas, both big

605
00:26:43,280 --> 00:26:46,000
Speaker 2: and small, to answer your most burning money, career and

606
00:26:46,040 --> 00:26:49,240
Speaker 2: life questions. To get involved, simply head to our website

607
00:26:49,280 --> 00:26:51,400
Speaker 2: and leave us a short voice recording and you might

608
00:26:51,440 --> 00:26:54,000
Speaker 2: just find yourself on the show. Now, let's take a

609
00:26:54,040 --> 00:26:55,800
Speaker 2: listen to this week's money dilemma.

610
00:26:58,720 --> 00:27:01,800
Speaker 6: Hi. Girls. First of all, I really love your podcast

611
00:27:01,960 --> 00:27:05,560
Speaker 6: and Victoria your book has completely changed my life. I've

612
00:27:05,600 --> 00:27:08,120
Speaker 6: noticed that a lot of money diarists who call in

613
00:27:08,840 --> 00:27:11,600
Speaker 6: are part of a couple, but a lot of them

614
00:27:11,680 --> 00:27:14,680
Speaker 6: seem to be like double income, which is a little

615
00:27:14,720 --> 00:27:16,520
Speaker 6: bit of the wind in the back. And I notice

616
00:27:16,560 --> 00:27:20,240
Speaker 6: a lot of the finance talk and finance world is

617
00:27:20,280 --> 00:27:24,240
Speaker 6: sort of centered around a world where almost everyone seems

618
00:27:24,240 --> 00:27:26,760
Speaker 6: to be in a couple. I feel like, on top

619
00:27:26,800 --> 00:27:31,440
Speaker 6: of that, the tacks brackets are kind of stacked against singles,

620
00:27:31,480 --> 00:27:36,320
Speaker 6: particularly like I'm thirty seven, I'm divorced, I'm trying my

621
00:27:36,359 --> 00:27:38,720
Speaker 6: best on my own, I've only just started investing, and

622
00:27:38,760 --> 00:27:41,840
Speaker 6: I just feel like the whole finance world is screaming

623
00:27:41,880 --> 00:27:46,479
Speaker 6: at me to couple because it's so much easier. Do you,

624
00:27:46,800 --> 00:27:49,760
Speaker 6: I guess, have any tips for how to be smart

625
00:27:50,359 --> 00:27:53,280
Speaker 6: when you're on your own and when you're not looking

626
00:27:53,400 --> 00:27:57,080
Speaker 6: to couple, because I'm not really interested in sharing my finances.

627
00:27:57,240 --> 00:27:59,680
Speaker 2: That's a really good question, and I have been thinking

628
00:27:59,720 --> 00:28:04,000
Speaker 2: about this a lot recently. So first, thank you, how nice.

629
00:28:04,680 --> 00:28:07,080
Speaker 2: I love that you've read my book. Also, I noticed

630
00:28:07,080 --> 00:28:13,080
Speaker 2: your accent. Can you move in with Jess? But I

631
00:28:13,119 --> 00:28:16,000
Speaker 2: don't think we talk about this enough because I think

632
00:28:16,119 --> 00:28:18,200
Speaker 2: we are often like women power right, like, if you're

633
00:28:18,240 --> 00:28:21,120
Speaker 2: not in the right relationship, just leave, like you don't

634
00:28:21,160 --> 00:28:24,800
Speaker 2: deserve that. I totally get that. But the expense of

635
00:28:24,880 --> 00:28:29,439
Speaker 2: being single, especially right now, is astronomical. You are paying

636
00:28:29,600 --> 00:28:33,000
Speaker 2: so much more just to exist. Think about it like this, right, Like,

637
00:28:33,040 --> 00:28:35,840
Speaker 2: when I was twenty one, I was single, I lived

638
00:28:35,880 --> 00:28:37,840
Speaker 2: in a sharehouse, and if I had been listening to

639
00:28:37,880 --> 00:28:40,600
Speaker 2: this podcast episode, I'd be like, oh, well, it's not

640
00:28:40,680 --> 00:28:43,640
Speaker 2: that bad, Like I have housemates. You could just get housemates.

641
00:28:43,960 --> 00:28:45,840
Speaker 2: By the time you get to thirty five or forty,

642
00:28:46,200 --> 00:28:49,479
Speaker 2: you don't want housemates. You want your own sacred space.

643
00:28:49,520 --> 00:28:53,080
Speaker 2: You want your own property, and you want your own options.

644
00:28:53,120 --> 00:28:54,960
Speaker 2: You want your own car, like you don't want to

645
00:28:54,960 --> 00:28:58,280
Speaker 2: be reliant on someone else. So it literally doubles the

646
00:28:58,320 --> 00:29:01,800
Speaker 2: cost of Most things be significantly cheaper if you split

647
00:29:01,800 --> 00:29:04,880
Speaker 2: it with someone else. But even in a one bedroom apartment,

648
00:29:05,000 --> 00:29:06,960
Speaker 2: like let's say you've got a one bedroom apartment here

649
00:29:06,960 --> 00:29:09,040
Speaker 2: in Melbourne, you're paying like five hundred bucks a week.

650
00:29:10,120 --> 00:29:12,080
Speaker 2: Obviously that's a lot of money, but if you were

651
00:29:12,080 --> 00:29:15,640
Speaker 2: splitting it, it was two fifty a week. Immediately, your accommodation

652
00:29:15,720 --> 00:29:18,720
Speaker 2: is so much cheaper. Get a car. Maybe you live

653
00:29:18,760 --> 00:29:21,520
Speaker 2: in the city, you only need one car in the household,

654
00:29:21,640 --> 00:29:25,800
Speaker 2: but if you're single, that entire expense is on you. Groceries,

655
00:29:26,000 --> 00:29:30,320
Speaker 2: cleaning products, everything doubles, and it then makes the pressure

656
00:29:30,360 --> 00:29:33,440
Speaker 2: of going out so much higher because you know you're

657
00:29:33,480 --> 00:29:36,560
Speaker 2: going out. Yes, you're only paying for you, but you've

658
00:29:36,600 --> 00:29:38,760
Speaker 2: got all of these other expenses in the background that

659
00:29:38,800 --> 00:29:41,360
Speaker 2: you're coupled up friends don't have, and like you and

660
00:29:41,400 --> 00:29:43,880
Speaker 2: your friend, like one could be on seventy grand and

661
00:29:43,920 --> 00:29:46,400
Speaker 2: the others on seventy grand, but in a couple, their

662
00:29:46,440 --> 00:29:48,960
Speaker 2: disposable income is going to be so much higher. So

663
00:29:49,080 --> 00:29:51,120
Speaker 2: even though you're like, we're on part we earn the

664
00:29:51,160 --> 00:29:54,320
Speaker 2: same amount, you have different commitments and obligations. And I

665
00:29:54,360 --> 00:29:57,040
Speaker 2: think that it needs to be spoken about more. And

666
00:29:57,080 --> 00:29:59,240
Speaker 2: I mean, this is probably a really good time to

667
00:29:59,280 --> 00:30:02,200
Speaker 2: shout out some single queens in our community who are

668
00:30:02,200 --> 00:30:04,960
Speaker 2: doing that that want to share their stories on money diaries.

669
00:30:05,080 --> 00:30:08,000
Speaker 2: I am ready to chat with you, but we also

670
00:30:08,080 --> 00:30:10,240
Speaker 2: do have a lot of single diaries. I think the

671
00:30:10,240 --> 00:30:12,320
Speaker 2: best thing that you can do is use your podcasting app.

672
00:30:12,400 --> 00:30:14,880
Speaker 2: So if you type in single she's on the money

673
00:30:14,960 --> 00:30:18,840
Speaker 2: money diaries, a couple should come up. Because historically, if

674
00:30:18,880 --> 00:30:21,440
Speaker 2: you were looking for them by the name of the episode,

675
00:30:21,560 --> 00:30:24,760
Speaker 2: the SEO on podcasting apps didn't pick up the caption

676
00:30:25,000 --> 00:30:27,840
Speaker 2: or the show notes to explain what that diary is about.

677
00:30:27,880 --> 00:30:30,320
Speaker 2: Now it does, so it's much easier to find our content,

678
00:30:30,360 --> 00:30:33,160
Speaker 2: which we love. But I think that we need to

679
00:30:33,200 --> 00:30:37,280
Speaker 2: talk about more single costs it's so hard being single,

680
00:30:37,320 --> 00:30:39,160
Speaker 2: and I'm assuming that there are a lot of people

681
00:30:39,160 --> 00:30:41,800
Speaker 2: in our community who are like, look, there's nothing wrong

682
00:30:41,840 --> 00:30:45,720
Speaker 2: with my relationship. I'm not in love anymore, but it's

683
00:30:45,720 --> 00:30:48,720
Speaker 2: not worth leaving, so cbf. I'm living my best life

684
00:30:48,800 --> 00:30:50,800
Speaker 2: right now. I don't, particularly in this economy, want to

685
00:30:50,840 --> 00:30:53,800
Speaker 2: go and get a single apartment, like you know, we've

686
00:30:53,800 --> 00:30:56,840
Speaker 2: fallen into this, like I don't know dance of just

687
00:30:57,000 --> 00:30:59,840
Speaker 2: living together as housemates. I don't really want to change

688
00:31:00,160 --> 00:31:02,200
Speaker 2: right now because it's just too much of an upheaval.

689
00:31:02,760 --> 00:31:05,400
Speaker 2: I have friends in that position, and I just go,

690
00:31:05,840 --> 00:31:08,120
Speaker 2: what's the advice, Beck, you're good at a broke tip.

691
00:31:08,640 --> 00:31:13,280
Speaker 2: You've been single not now though, Yeah, what's that like

692
00:31:13,360 --> 00:31:13,720
Speaker 2: for you?

693
00:31:14,160 --> 00:31:16,520
Speaker 4: That's such a great question. And it's like it's that's

694
00:31:16,520 --> 00:31:18,200
Speaker 4: such a good thing that this person has pointed out

695
00:31:18,200 --> 00:31:20,720
Speaker 4: because I didn't even really notice. But there's something that

696
00:31:20,760 --> 00:31:24,240
Speaker 4: I hold very close to me is that I kind

697
00:31:24,240 --> 00:31:27,880
Speaker 4: of have never ever been a deity person. Like I've

698
00:31:27,880 --> 00:31:30,840
Speaker 4: never been like you must be with someone. It's never

699
00:31:30,840 --> 00:31:34,600
Speaker 4: been my life's goal, my life's dream. Before Jess, the

700
00:31:34,640 --> 00:31:38,200
Speaker 4: person i'm dating now, there was nothing before, Yes, nothing,

701
00:31:38,640 --> 00:31:40,960
Speaker 4: I didn't care I'd never thought about I love ever

702
00:31:41,040 --> 00:31:43,160
Speaker 4: being in a relationship, because it just like, if it

703
00:31:43,160 --> 00:31:45,640
Speaker 4: comes up organically, cool, if not, whatever. But I'm in

704
00:31:45,640 --> 00:31:47,600
Speaker 4: a very different position where I do live in the

705
00:31:47,640 --> 00:31:51,000
Speaker 4: sharehouse and I don't really want to live by myself

706
00:31:51,040 --> 00:31:53,480
Speaker 4: at the moment. I did notice this is a side note.

707
00:31:53,480 --> 00:31:56,360
Speaker 4: I've I started spending way more money when I started dating,

708
00:31:56,720 --> 00:32:06,000
Speaker 4: but that's because she's my princess you want. It is

709
00:32:06,040 --> 00:32:07,880
Speaker 4: such a good point because now that I'm like looking

710
00:32:08,000 --> 00:32:11,520
Speaker 4: at maybe wanting to buy my own apartment one day

711
00:32:11,520 --> 00:32:14,080
Speaker 4: and maybe wanting to live by myself one day, I'm like, oh,

712
00:32:14,160 --> 00:32:15,760
Speaker 4: this is so expensive, but.

713
00:32:15,680 --> 00:32:18,480
Speaker 2: It's astronomical even in your situation where you're like right now,

714
00:32:18,520 --> 00:32:22,080
Speaker 2: I'm not incurring these costs personally, But like, would living

715
00:32:22,120 --> 00:32:23,960
Speaker 2: on your own be an option for you.

716
00:32:24,440 --> 00:32:27,000
Speaker 4: At the moment? Probably not if I want to stay

717
00:32:27,080 --> 00:32:29,160
Speaker 4: exactly where I am, But if I want to like

718
00:32:29,240 --> 00:32:31,720
Speaker 4: move out a little bit more to cheaper places, absolutely

719
00:32:31,760 --> 00:32:34,000
Speaker 4: I could do that. I just I don't have that

720
00:32:34,040 --> 00:32:36,800
Speaker 4: desire at the moment. But I think, like I would

721
00:32:36,800 --> 00:32:39,040
Speaker 4: always this isn't really even that great advice, but I

722
00:32:39,080 --> 00:32:42,840
Speaker 4: would always put my own personal happiness, make sure all

723
00:32:42,880 --> 00:32:45,240
Speaker 4: my buckets are full in every other way. Maybe you

724
00:32:45,360 --> 00:32:47,680
Speaker 4: have community, maybe you have work, maybe you have friends,

725
00:32:47,880 --> 00:32:51,440
Speaker 4: all these other things. If at the core of myself

726
00:32:51,520 --> 00:32:53,880
Speaker 4: and at the end of every day I feel full

727
00:32:54,200 --> 00:32:57,720
Speaker 4: and happy. I have been broke for so long that

728
00:32:57,720 --> 00:33:00,080
Speaker 4: that doesn't actually bother me as much. But I know

729
00:33:00,240 --> 00:33:02,880
Speaker 4: that we're in a very different position because this person

730
00:33:02,920 --> 00:33:05,280
Speaker 4: who has rang in with their dilemma, I'm sure they're

731
00:33:05,280 --> 00:33:07,320
Speaker 4: probably in a different life stage so they can't really

732
00:33:07,360 --> 00:33:09,440
Speaker 4: rely on Like, as long as you're happy, it doesn't matter.

733
00:33:09,720 --> 00:33:12,000
Speaker 4: So I totally understand that, but I think, yeah, just

734
00:33:12,720 --> 00:33:15,880
Speaker 4: nothing's worth you know, your happiness. So if you're like

735
00:33:15,920 --> 00:33:18,440
Speaker 4: getting in a situation where you're dating someone just because

736
00:33:18,480 --> 00:33:22,240
Speaker 4: it's a lot actually cheaper to live, it's probably not

737
00:33:22,240 --> 00:33:23,240
Speaker 4: worth it at the end of the day. I know

738
00:33:23,320 --> 00:33:24,280
Speaker 4: that's not great money.

739
00:33:24,120 --> 00:33:26,600
Speaker 2: Advice, No, no, no, no, but it's real advice. And

740
00:33:26,640 --> 00:33:28,760
Speaker 2: I'm about to ask Jess the same question. Just is

741
00:33:28,760 --> 00:33:31,240
Speaker 2: in a very different situation. She lives with her partner,

742
00:33:31,360 --> 00:33:34,680
Speaker 2: they've got no intention of breaking up. This is a dramatization,

743
00:33:34,960 --> 00:33:38,040
Speaker 2: but like, Jess, what would your life look like if

744
00:33:38,040 --> 00:33:40,080
Speaker 2: you were single right now? Because you have a really

745
00:33:40,200 --> 00:33:42,760
Speaker 2: nice house, you've got, you know, a duel income, like

746
00:33:42,800 --> 00:33:45,680
Speaker 2: you've got two cars, all of this like stuff that

747
00:33:45,800 --> 00:33:49,320
Speaker 2: a lot of people go, oh my gosh, like goals.

748
00:33:49,520 --> 00:33:52,120
Speaker 2: But like, if you were to become single financially, what

749
00:33:52,160 --> 00:33:53,200
Speaker 2: do you think that would look like?

750
00:33:53,400 --> 00:33:55,400
Speaker 5: It's hard to picture you because I've been in a

751
00:33:55,520 --> 00:34:00,880
Speaker 5: relation nine years I think at this point, so well, yeah,

752
00:34:00,960 --> 00:34:03,920
Speaker 5: I've never When I was single, I was living in

753
00:34:03,920 --> 00:34:05,520
Speaker 5: a share house. I was in like iah, that's the

754
00:34:05,560 --> 00:34:07,880
Speaker 5: same things made me like, it's it was a very

755
00:34:07,920 --> 00:34:11,960
Speaker 5: different experience. I think, like, could I afford to keep

756
00:34:12,120 --> 00:34:14,000
Speaker 5: like if worst case there we broke up, could I

757
00:34:14,000 --> 00:34:15,759
Speaker 5: pay all of our rent because we're on like a lease,

758
00:34:15,880 --> 00:34:19,359
Speaker 5: Yes I could. Like could I continue to live my lifestyle? Yes, okay, career,

759
00:34:19,440 --> 00:34:21,600
Speaker 5: but I think like the big thing, thank you, But

760
00:34:21,640 --> 00:34:24,160
Speaker 5: I think the big thing is that exactly what our

761
00:34:24,200 --> 00:34:27,960
Speaker 5: listener highlighted, I would have to make compromises in your lifestyle.

762
00:34:28,040 --> 00:34:30,239
Speaker 5: So I probably would not like I wouldn't be able

763
00:34:30,239 --> 00:34:32,600
Speaker 5: to invest the money that I'm investing because that money

764
00:34:32,600 --> 00:34:34,920
Speaker 5: would have to go towards rent. Ye, I would probably

765
00:34:35,680 --> 00:34:39,520
Speaker 5: be saving significantly less if anything, towards my house deposit.

766
00:34:39,640 --> 00:34:41,840
Speaker 5: I would have to cut my discretionary spending, so like

767
00:34:41,880 --> 00:34:43,839
Speaker 5: could I keep like, could I pay my rent? Could

768
00:34:43,840 --> 00:34:47,160
Speaker 5: I pay my bills? Yes, but at the cost of

769
00:34:47,200 --> 00:34:48,600
Speaker 5: a lot of things, which I think is kind of

770
00:34:48,600 --> 00:34:51,360
Speaker 5: the point that our listener was making to coromise. Yeah, like,

771
00:34:51,600 --> 00:34:54,440
Speaker 5: is it possible to live by yourself? Of course it is,

772
00:34:54,960 --> 00:34:57,480
Speaker 5: but it is a lot harder, and I think it

773
00:34:57,520 --> 00:34:59,520
Speaker 5: would be I would find it really hard because I

774
00:34:59,520 --> 00:35:02,920
Speaker 5: would have to change the goalposts that I've had for

775
00:35:02,960 --> 00:35:05,120
Speaker 5: so long. And I can understand how for our listeners,

776
00:35:05,160 --> 00:35:06,920
Speaker 5: she's saying, oh, well, I'm not investing, and that might

777
00:35:06,920 --> 00:35:08,560
Speaker 5: be something that she's really wanting to do because she's

778
00:35:08,560 --> 00:35:10,239
Speaker 5: motivated and she's read the book and she's listened to

779
00:35:10,239 --> 00:35:11,719
Speaker 5: the show, but she's like, well, where do I get

780
00:35:11,840 --> 00:35:16,440
Speaker 5: the money from? And I think the really harsh reality

781
00:35:16,719 --> 00:35:20,120
Speaker 5: is you may not be able to just pull it

782
00:35:20,120 --> 00:35:21,879
Speaker 5: out of thin air, like as much as I want

783
00:35:21,920 --> 00:35:22,839
Speaker 5: to be able to say, oh my.

784
00:35:22,760 --> 00:35:24,480
Speaker 2: God, baby, actually he's a plan.

785
00:35:25,000 --> 00:35:27,320
Speaker 5: Yeah, Like I genuinely think like if that was me

786
00:35:27,400 --> 00:35:29,640
Speaker 5: in that situation tomorrow, I didn't have a boyfriend anymore

787
00:35:29,640 --> 00:35:31,480
Speaker 5: and I had to sort it out, like that would

788
00:35:31,480 --> 00:35:33,600
Speaker 5: be my reality. It would be I can't do the

789
00:35:33,640 --> 00:35:34,319
Speaker 5: things that I wanted.

790
00:35:34,360 --> 00:35:36,799
Speaker 2: She's a resourceful queen, so we know she would. Yeah,

791
00:35:36,920 --> 00:35:39,200
Speaker 2: like it would look different, and like there are lots

792
00:35:39,239 --> 00:35:41,080
Speaker 2: of like I would say, the biggest thing would be

793
00:35:41,080 --> 00:35:45,040
Speaker 2: to look at increasing your income decreasing your expenditure. Obviously

794
00:35:45,040 --> 00:35:47,880
Speaker 2: we don't know anything about what our listener, you know,

795
00:35:47,960 --> 00:35:50,400
Speaker 2: her personal situation, but like where you can can you

796
00:35:50,400 --> 00:35:52,160
Speaker 2: negotiate a pay rise, can you take on a little

797
00:35:52,160 --> 00:35:53,560
Speaker 2: bit of extra work, like can you get.

798
00:35:53,440 --> 00:35:55,879
Speaker 5: A side hustle or a second job or whatever. Can

799
00:35:55,920 --> 00:35:59,000
Speaker 5: you make cuts other things that you're willing to cut

800
00:35:59,080 --> 00:36:02,320
Speaker 5: or are even able to But beyond that, I think,

801
00:36:02,400 --> 00:36:05,480
Speaker 5: like I don't even fully know what to say. To

802
00:36:05,520 --> 00:36:07,719
Speaker 5: be honestly, it just it sucks, is what I want

803
00:36:07,760 --> 00:36:08,360
Speaker 5: to acknowledge.

804
00:36:08,440 --> 00:36:10,799
Speaker 2: Like it just you can't especially in a cost of

805
00:36:10,840 --> 00:36:13,520
Speaker 2: living christ Yeah, like I don't want everything's so much

806
00:36:13,560 --> 00:36:16,919
Speaker 2: more expensive. Yeah, And I don't want to sound tone

807
00:36:16,960 --> 00:36:19,360
Speaker 2: deaf in saying, well, it is what it is. But

808
00:36:19,400 --> 00:36:22,920
Speaker 2: I also I don't necessarily know what advice I have

809
00:36:23,000 --> 00:36:25,880
Speaker 2: to give you other than acknowledging that it's a shit situation,

810
00:36:26,080 --> 00:36:29,440
Speaker 2: and you know, if you can make those cuts and adjustments,

811
00:36:29,480 --> 00:36:32,799
Speaker 2: like that'll help a little bit. But like, honestly, I

812
00:36:32,880 --> 00:36:35,160
Speaker 2: just fully recognize that it's so much hard when you're

813
00:36:35,160 --> 00:36:37,800
Speaker 2: single real and I mean the grass is always greener

814
00:36:37,880 --> 00:36:41,080
Speaker 2: round like your friends that are coupled up that are

815
00:36:41,320 --> 00:36:44,400
Speaker 2: you know, maybe it's like me, right, I am so

816
00:36:44,520 --> 00:36:47,440
Speaker 2: happily coupled up, like I adore my husband, don't want

817
00:36:47,480 --> 00:36:49,399
Speaker 2: to change it. Sometimes I look at my single friend

818
00:36:49,440 --> 00:36:51,880
Speaker 2: and I'm like, must be nice to go out and

819
00:36:51,880 --> 00:36:53,960
Speaker 2: do whatever you want. Oh it's Wednesday and you're having

820
00:36:54,080 --> 00:36:56,759
Speaker 2: espresso martinis. Can't relate to have a baby, Like we

821
00:36:56,880 --> 00:37:01,120
Speaker 2: always look at different situations with rose colored glasses on.

822
00:37:01,520 --> 00:37:03,480
Speaker 2: And you know what, my friend's probably looking back at me,

823
00:37:03,600 --> 00:37:06,480
Speaker 2: going like I can't wait to find husband and finally

824
00:37:06,520 --> 00:37:09,919
Speaker 2: have a baby. And I think that putting blinkers back

825
00:37:09,960 --> 00:37:12,880
Speaker 2: on when it comes to your budget is really important here. Like,

826
00:37:13,000 --> 00:37:15,040
Speaker 2: I know it's tough, I know it's hard. It is

827
00:37:15,120 --> 00:37:18,000
Speaker 2: going to look significantly different to your coupled up friends

828
00:37:18,040 --> 00:37:20,880
Speaker 2: who are able to share expenses, but that is not

829
00:37:21,000 --> 00:37:25,080
Speaker 2: your reality, So stop comparing yourself to that situation. It's

830
00:37:25,080 --> 00:37:26,440
Speaker 2: like when I say, and I've said this before on

831
00:37:26,480 --> 00:37:30,400
Speaker 2: the podcast, you can't give a budget template to someone

832
00:37:30,400 --> 00:37:33,880
Speaker 2: who earns forty thousand dollars and expect that same budget

833
00:37:33,880 --> 00:37:36,120
Speaker 2: template to work for someone who has a four hundred

834
00:37:36,160 --> 00:37:38,920
Speaker 2: thousand dollar income. Not only are they going to have

835
00:37:39,160 --> 00:37:41,920
Speaker 2: different amounts of cash to disperse, but they could be

836
00:37:42,040 --> 00:37:45,399
Speaker 2: in different situations. Like that forty thousand dollars a year

837
00:37:45,440 --> 00:37:48,239
Speaker 2: income earner could be a single mum who you know

838
00:37:48,600 --> 00:37:52,000
Speaker 2: is just cutting her teeth to get by, and it's

839
00:37:52,040 --> 00:37:54,800
Speaker 2: incredible at this point that she's breaking even every single

840
00:37:54,840 --> 00:37:57,520
Speaker 2: month but can't save it, can't invest. I think we

841
00:37:57,600 --> 00:37:59,920
Speaker 2: need to see it often as a season of life,

842
00:38:00,200 --> 00:38:02,840
Speaker 2: not to say you have to couple up, because like,

843
00:38:02,920 --> 00:38:04,920
Speaker 2: you could be single by choice for the rest of

844
00:38:04,960 --> 00:38:07,560
Speaker 2: your life, and that is an epic outcome if that's

845
00:38:07,600 --> 00:38:09,040
Speaker 2: your choice. But I think we need to put some

846
00:38:09,080 --> 00:38:11,960
Speaker 2: blinkers on and go, well, what resources am I working with?

847
00:38:12,040 --> 00:38:14,600
Speaker 2: How much is coming into my account, what are my

848
00:38:14,680 --> 00:38:17,480
Speaker 2: long term goals? What do I want to achieve? Because

849
00:38:17,520 --> 00:38:20,319
Speaker 2: at the end of the day, every normal person has

850
00:38:20,360 --> 00:38:23,480
Speaker 2: to make compromises in their budget to achieve their goals.

851
00:38:23,800 --> 00:38:25,480
Speaker 2: And we go back to Jess right, and like, I'm

852
00:38:25,560 --> 00:38:27,200
Speaker 2: using you as an example because I think that it

853
00:38:27,360 --> 00:38:30,640
Speaker 2: is a very good example, because you know, you would

854
00:38:30,680 --> 00:38:32,040
Speaker 2: be in a position that a lot of people go,

855
00:38:32,120 --> 00:38:34,240
Speaker 2: oh my gosh, I would love to be in Jess's position,

856
00:38:34,280 --> 00:38:36,879
Speaker 2: where I have my house deposits saved, like I've got

857
00:38:36,880 --> 00:38:39,360
Speaker 2: a really nice boyfriend, Like we have two cars in

858
00:38:39,400 --> 00:38:43,319
Speaker 2: the driveway, like everything's okay, we're paying rent. But for

859
00:38:43,440 --> 00:38:47,080
Speaker 2: me to compare that person to you, it's crippling them

860
00:38:47,160 --> 00:38:50,760
Speaker 2: because even with that lifestyle that other people are envious of, Jess,

861
00:38:51,000 --> 00:38:53,719
Speaker 2: there are still things that I know you're making compromises on.

862
00:38:53,840 --> 00:38:55,200
Speaker 5: Yeah, like there are still.

863
00:38:54,880 --> 00:38:57,840
Speaker 2: Things that Jess is like, oh, I'm definitely not able

864
00:38:57,880 --> 00:39:00,399
Speaker 2: to do, you know. And we've had this conversation before.

865
00:39:00,440 --> 00:39:02,600
Speaker 2: You're like, I really love pilates, but I'm not going

866
00:39:02,680 --> 00:39:04,919
Speaker 2: to do two classes a week. I'm going to drop

867
00:39:04,960 --> 00:39:08,040
Speaker 2: back to one because it's just getting expensive. And I'm

868
00:39:08,080 --> 00:39:10,640
Speaker 2: not saying like that's a luxury. It's just an example.

869
00:39:10,760 --> 00:39:14,440
Speaker 2: Don't for two seconds think that I am completely dystopian

870
00:39:14,840 --> 00:39:18,040
Speaker 2: in the type of lifestyles we lead. But even Jess

871
00:39:18,160 --> 00:39:21,080
Speaker 2: is making compromises to live the lifestyle that she wants

872
00:39:21,200 --> 00:39:24,040
Speaker 2: to live, and I mean we all do that, So

873
00:39:24,080 --> 00:39:27,200
Speaker 2: I think it's don't compare yourself to others. Yeah, not

874
00:39:27,280 --> 00:39:30,080
Speaker 2: only are you not on the same journey, but you

875
00:39:30,280 --> 00:39:33,120
Speaker 2: just don't even have the same resources. Like if Jess

876
00:39:33,160 --> 00:39:37,280
Speaker 2: compared herself to me, it's completely different. Again, I also

877
00:39:37,320 --> 00:39:40,200
Speaker 2: have a completely different set of expenses that Jess is

878
00:39:40,200 --> 00:39:44,200
Speaker 2: not incurring. I pay for daycare, I pay for nappies,

879
00:39:44,320 --> 00:39:46,560
Speaker 2: I pay for formula, and just like, oh, they wouldn't

880
00:39:46,560 --> 00:39:48,560
Speaker 2: be in my budget. Yeah, so why are we looking

881
00:39:48,600 --> 00:39:50,719
Speaker 2: at the way that I do things? And I think

882
00:39:50,760 --> 00:39:53,879
Speaker 2: that's why I get so frustrated when I see these

883
00:39:53,920 --> 00:39:57,400
Speaker 2: percentage based budgets recommend it and people go theye, well,

884
00:39:57,440 --> 00:40:00,560
Speaker 2: how much should I be saving? Well, I don't know,

885
00:40:00,680 --> 00:40:04,160
Speaker 2: because I haven't had time to break down your entire

886
00:40:04,239 --> 00:40:07,080
Speaker 2: budget and work out what your non negotiable costs are

887
00:40:07,080 --> 00:40:09,560
Speaker 2: and what discretionary income we have left to play with.

888
00:40:10,040 --> 00:40:12,239
Speaker 2: And that's what we should be talking about. None of

889
00:40:12,239 --> 00:40:14,400
Speaker 2: this like, oh, Jess, you actually need to be saving

890
00:40:14,440 --> 00:40:17,480
Speaker 2: ten percent, because ten percent for someone on four hundred grand,

891
00:40:17,840 --> 00:40:21,520
Speaker 2: that's so much money. Yeah, ten percent for someone who

892
00:40:21,640 --> 00:40:24,600
Speaker 2: is on forty thousand dollars and a single mum mate,

893
00:40:24,680 --> 00:40:27,720
Speaker 2: that's way too much. There's no room in her budget

894
00:40:27,760 --> 00:40:30,000
Speaker 2: to save. So we need to just look at our

895
00:40:30,040 --> 00:40:33,279
Speaker 2: own situations and go, well, with the situation I'm in

896
00:40:33,440 --> 00:40:35,640
Speaker 2: and the resources that are coming in, what is possible

897
00:40:35,880 --> 00:40:38,080
Speaker 2: and what does this look like? And then if you're

898
00:40:38,080 --> 00:40:41,960
Speaker 2: not happy with that, what levers can we trigger to change?

899
00:40:41,960 --> 00:40:44,399
Speaker 2: And what compromise are we making? And it's not something

900
00:40:44,440 --> 00:40:46,200
Speaker 2: you want to hear, right, like no one wants to hear,

901
00:40:46,480 --> 00:40:49,840
Speaker 2: Oh beck will actually to achieve the life you want,

902
00:40:50,160 --> 00:40:53,360
Speaker 2: it's actually going to mean compromising, Like no one wants that.

903
00:40:53,400 --> 00:40:54,719
Speaker 2: I don't want to hear that. You don't want to

904
00:40:54,719 --> 00:40:57,000
Speaker 2: hear that. But that's the reality of the situation. And

905
00:40:57,040 --> 00:41:00,600
Speaker 2: while it's not that sexy, that's something we can work with, Like,

906
00:41:00,640 --> 00:41:02,920
Speaker 2: that's something we can take and go Okay, well, actually

907
00:41:02,920 --> 00:41:05,520
Speaker 2: that's quite tangible. I'm gonna go do this for me.

908
00:41:05,640 --> 00:41:07,640
Speaker 2: I'm going to create a plan. I'm going to see

909
00:41:07,640 --> 00:41:10,120
Speaker 2: if that works. And if investing is a goal, how

910
00:41:10,200 --> 00:41:13,120
Speaker 2: much do you have? If saving for a holidays a goal,

911
00:41:13,320 --> 00:41:15,160
Speaker 2: what's that going to look like? And there are just

912
00:41:15,320 --> 00:41:17,680
Speaker 2: lots of different levers that we can pull. You want

913
00:41:17,680 --> 00:41:19,920
Speaker 2: to go on a holiday back, great, how much is

914
00:41:19,920 --> 00:41:23,000
Speaker 2: it going to cost? Five grand? Okay, holy moly? How

915
00:41:23,000 --> 00:41:25,760
Speaker 2: long is that going to take you. It might take longer,

916
00:41:25,880 --> 00:41:29,040
Speaker 2: but it doesn't mean we can't achieve the same thing. Yes,

917
00:41:29,080 --> 00:41:31,680
Speaker 2: So I think that's probably where I would go with it.

918
00:41:31,719 --> 00:41:34,360
Speaker 2: And it's back to the blinkers, like, stop comparing yourselves,

919
00:41:34,360 --> 00:41:36,560
Speaker 2: because I've just gone around the table and there are

920
00:41:37,200 --> 00:41:40,960
Speaker 2: very different experiences. But we're in the same company, we're

921
00:41:40,960 --> 00:41:43,560
Speaker 2: in the same group, and still we're not comparable.

922
00:41:43,760 --> 00:41:45,600
Speaker 4: Yes, that's so true. I do would to say one

923
00:41:45,880 --> 00:41:48,680
Speaker 4: last thing, really, really really I love this just in

924
00:41:48,840 --> 00:41:52,080
Speaker 4: case our listener is in this kind of like because

925
00:41:52,080 --> 00:41:55,560
Speaker 4: I feel like societally we are living in a world

926
00:41:55,640 --> 00:41:58,480
Speaker 4: where it is assumed that you're in a couple. Yeah,

927
00:41:58,760 --> 00:42:02,080
Speaker 4: I really really don't like But anyway, that's the story

928
00:42:02,080 --> 00:42:04,680
Speaker 4: for another time. There are so many like assumptions here,

929
00:42:04,680 --> 00:42:06,520
Speaker 4: and one of them is that once you hit a

930
00:42:06,520 --> 00:42:08,319
Speaker 4: certain age, you're no longer allowed to live in a

931
00:42:08,320 --> 00:42:10,239
Speaker 4: sharehouse because it's like I don't know a mate.

932
00:42:10,320 --> 00:42:10,520
Speaker 1: No.

933
00:42:10,719 --> 00:42:13,319
Speaker 4: Basically, just in case our listener has that on their

934
00:42:13,400 --> 00:42:16,040
Speaker 4: radar but is thinking like, I don't know if I'm

935
00:42:16,440 --> 00:42:18,640
Speaker 4: I don't know, too old or too whatever. I mean,

936
00:42:18,680 --> 00:42:20,560
Speaker 4: if you want your own space, if you want to

937
00:42:20,600 --> 00:42:23,279
Speaker 4: do that, of course, but just in case that's a thought.

938
00:42:23,760 --> 00:42:26,880
Speaker 4: You are never ever too old, especially in this economy.

939
00:42:27,239 --> 00:42:29,600
Speaker 4: A lot of people, a lot of like people who

940
00:42:29,920 --> 00:42:32,279
Speaker 4: once were in relationships or just never have been or

941
00:42:32,320 --> 00:42:34,480
Speaker 4: just never want to be kind of like getting together

942
00:42:34,480 --> 00:42:38,120
Speaker 4: in this beautiful like you can find some really beautiful.

943
00:42:37,760 --> 00:42:41,560
Speaker 2: Friend single back like ever single. Yeah, I won't live alone.

944
00:42:41,920 --> 00:42:45,520
Speaker 4: No, it's it's quite. But you can also you know

945
00:42:45,640 --> 00:42:49,120
Speaker 4: sometimes friend, Yeah, you've made some and you can like

946
00:42:49,200 --> 00:42:51,720
Speaker 4: find these people like very flos or whatever your state's

947
00:42:51,760 --> 00:42:54,959
Speaker 4: equivalent is, find people that are similar to your age

948
00:42:55,120 --> 00:42:56,560
Speaker 4: or similar personality or whatever.

949
00:42:57,120 --> 00:43:00,000
Speaker 2: Very terrible housemate, Kick him out, Kick him out.

950
00:43:00,239 --> 00:43:01,440
Speaker 5: That's a great story.

951
00:43:01,920 --> 00:43:04,440
Speaker 2: Yeah, like my housemate who used to still my underwear. Anyway,

952
00:43:04,520 --> 00:43:07,040
Speaker 2: moving on, we have.

953
00:43:07,000 --> 00:43:11,640
Speaker 5: Another relationship seemed question actually today I'm excited about this one.

954
00:43:11,680 --> 00:43:12,040
Speaker 4: Guys.

955
00:43:12,360 --> 00:43:14,840
Speaker 2: So we had a DM this week and it sounded

956
00:43:15,040 --> 00:43:17,080
Speaker 2: a lot like this because I'm going to read it

957
00:43:17,080 --> 00:43:19,840
Speaker 2: to you for Baden Becka. You ready. So she's on

958
00:43:19,880 --> 00:43:22,640
Speaker 2: the money. I think my partner has an Amazon addiction.

959
00:43:23,080 --> 00:43:25,799
Speaker 2: He pays for the Prime membership for the free postage,

960
00:43:26,080 --> 00:43:28,600
Speaker 2: so it's his go to whenever he wants to shop.

961
00:43:29,040 --> 00:43:31,240
Speaker 2: Now it's getting to the stage where a package turns

962
00:43:31,320 --> 00:43:33,880
Speaker 2: up every other day. When I bring it up, he

963
00:43:33,920 --> 00:43:36,719
Speaker 2: gets defensive and says, they're all things we need. But

964
00:43:37,040 --> 00:43:39,719
Speaker 2: I think that they're nice to have, and I don't

965
00:43:39,719 --> 00:43:42,719
Speaker 2: think we'd buy them if Amazon wasn't so convenient with

966
00:43:42,800 --> 00:43:45,480
Speaker 2: the postage that he's already paid for. I don't want

967
00:43:45,480 --> 00:43:48,719
Speaker 2: to police his purchases. But all of these costs are

968
00:43:48,800 --> 00:43:51,360
Speaker 2: really adding up, and we've got goals we're meant to

969
00:43:51,360 --> 00:43:55,680
Speaker 2: be saving four Can you please help? Sounds like my house.

970
00:43:56,640 --> 00:43:58,040
Speaker 2: I think if you're my husband at me.

971
00:44:00,719 --> 00:44:03,200
Speaker 4: I think that like if it starts to eat into

972
00:44:03,520 --> 00:44:06,520
Speaker 4: your future goals, so I mean, I guess it would

973
00:44:06,520 --> 00:44:08,840
Speaker 4: be if you're like spending so much money on Amazon

974
00:44:08,920 --> 00:44:11,160
Speaker 4: or whatever it might be, if you have like future

975
00:44:11,200 --> 00:44:14,480
Speaker 4: goals that you set together and that's really encroaching on that.

976
00:44:15,080 --> 00:44:20,360
Speaker 4: Then it's all about communication, isn't it. Wow, It's key.

977
00:44:20,560 --> 00:44:23,960
Speaker 2: It's like we could just delete this entire segment of

978
00:44:24,000 --> 00:44:27,000
Speaker 2: our podcast ever, replace it with just a quicker reminder

979
00:44:27,080 --> 00:44:28,239
Speaker 2: that communication is key.

980
00:44:28,280 --> 00:44:30,640
Speaker 5: All right, have a good day, guys, exactly.

981
00:44:31,200 --> 00:44:34,279
Speaker 4: But I think if if you're like with me and

982
00:44:34,440 --> 00:44:37,600
Speaker 4: my partner, for example, like our finances aren't tied together.

983
00:44:37,719 --> 00:44:39,160
Speaker 4: So I feel like if I was in a posision

984
00:44:39,160 --> 00:44:42,200
Speaker 4: where I was not yet exactly and who knows.

985
00:44:42,239 --> 00:44:44,200
Speaker 2: But anyway, honestly, I'm at the point where I'm surprised

986
00:44:44,239 --> 00:44:47,040
Speaker 2: they aren't living together yet. Like it's just it's very

987
00:44:47,080 --> 00:44:49,440
Speaker 2: you hold it, but.

988
00:44:49,400 --> 00:44:52,799
Speaker 4: We are very alternative. Actually we will be together very.

989
00:44:56,120 --> 00:44:58,080
Speaker 2: When she was saying, you know, I might want to

990
00:44:58,080 --> 00:45:00,840
Speaker 2: live by myself at some stages, like really, really you do,

991
00:45:02,680 --> 00:45:03,480
Speaker 2: that's really cute.

992
00:45:03,520 --> 00:45:06,359
Speaker 4: I'm trying so hard not to like live this very

993
00:45:06,800 --> 00:45:08,200
Speaker 4: stereotypical lifestyle.

994
00:45:08,280 --> 00:45:13,080
Speaker 2: It's my favorite thing. Like my best friend is gay

995
00:45:13,200 --> 00:45:17,400
Speaker 2: as well, and whenever she's met someone historically, I'm always like,

996
00:45:17,440 --> 00:45:19,560
Speaker 2: so how long until you move in? And she's like, no,

997
00:45:19,640 --> 00:45:22,760
Speaker 2: it won't happen. Won't happen, Like we're not silly, Victoria.

998
00:45:22,800 --> 00:45:24,879
Speaker 2: And then the next week so we signed a lease.

999
00:45:25,920 --> 00:45:29,799
Speaker 2: Really I didn't see that coming's.

1000
00:45:29,320 --> 00:45:31,880
Speaker 4: Gonna be for sure. Yeah, I guess like at this

1001
00:45:31,960 --> 00:45:35,840
Speaker 4: point our finances aren't iied together. So if I was

1002
00:45:35,840 --> 00:45:38,200
Speaker 4: spending all my money on something that made me happy

1003
00:45:38,320 --> 00:45:41,520
Speaker 4: or just like was maybe like an addiction of some kind,

1004
00:45:41,920 --> 00:45:44,400
Speaker 4: that is my own problem to deal with. And she

1005
00:45:44,480 --> 00:45:46,640
Speaker 4: can like have a little say and like be like, oh,

1006
00:45:46,640 --> 00:45:49,840
Speaker 4: I'm noticing your maybe addicted to buying things on Amazon.

1007
00:45:50,239 --> 00:45:51,920
Speaker 4: But that's like, that's as far as it goes in

1008
00:45:52,040 --> 00:45:54,400
Speaker 4: terms of like affecting her and vice versa. So I

1009
00:45:54,400 --> 00:45:57,560
Speaker 4: guess if you're at that point, like again like cute communication,

1010
00:45:57,760 --> 00:46:02,440
Speaker 4: but if it's not affecting you, ah in your financial goals,

1011
00:46:02,840 --> 00:46:06,080
Speaker 4: I guess it still is in an indirect way. Yeah,

1012
00:46:06,239 --> 00:46:09,000
Speaker 4: I really feel like that's a very annoying than say

1013
00:46:09,040 --> 00:46:09,680
Speaker 4: that communication.

1014
00:46:09,960 --> 00:46:13,400
Speaker 2: Everything just got argue you also have an Amazon addiction.

1015
00:46:13,640 --> 00:46:17,640
Speaker 5: I love Chek, I do Do you pay for Prime?

1016
00:46:17,840 --> 00:46:18,160
Speaker 1: Of course?

1017
00:46:18,239 --> 00:46:18,759
Speaker 5: Yet me too?

1018
00:46:22,719 --> 00:46:25,440
Speaker 2: They just I don't even know. I think it's carry

1019
00:46:25,480 --> 00:46:28,800
Speaker 2: a pigeon beck, Like the stuff gets there so quick.

1020
00:46:28,960 --> 00:46:31,400
Speaker 5: It's the fact that I ordered something that I did,

1021
00:46:31,800 --> 00:46:34,440
Speaker 5: realized I needed very last minute at like eleven o'clock,

1022
00:46:34,520 --> 00:46:37,520
Speaker 5: and by eight am the next morning my doors. Really

1023
00:46:37,560 --> 00:46:40,920
Speaker 5: it was crazy. Who crazy?

1024
00:46:41,160 --> 00:46:44,040
Speaker 2: That's actually more efficient than waiting for JB High Fighter

1025
00:46:44,120 --> 00:46:46,600
Speaker 2: open and going out and getting it myself there. Like

1026
00:46:46,719 --> 00:46:49,840
Speaker 2: so I can empathize, but jess if it was becoming

1027
00:46:49,840 --> 00:46:51,840
Speaker 2: a problem, what will be a look at To me?

1028
00:46:51,920 --> 00:46:54,200
Speaker 5: It's a very simple solution, and I don't know if

1029
00:46:54,200 --> 00:46:57,120
Speaker 5: that means that I'm oversimplifying it, But it's just a

1030
00:46:57,120 --> 00:46:59,759
Speaker 5: matter of how much money do you have allocated for

1031
00:46:59,840 --> 00:47:01,560
Speaker 5: just verationary spending's going.

1032
00:47:01,480 --> 00:47:03,000
Speaker 2: To go with it. I was like, have you done

1033
00:47:03,040 --> 00:47:05,759
Speaker 2: a budget? No one wants to hear that anymore, Like

1034
00:47:06,080 --> 00:47:10,080
Speaker 2: everyone's over me going budget budget, budget, budget.

1035
00:47:10,080 --> 00:47:12,480
Speaker 5: But it's like it's for a reason if you I'm

1036
00:47:12,520 --> 00:47:15,600
Speaker 5: assuming they're sharing expenses because she's saying that it's compromising

1037
00:47:15,719 --> 00:47:18,840
Speaker 5: their shared goals, in which case I would say that

1038
00:47:18,920 --> 00:47:21,120
Speaker 5: when you share expenses, and obviously it's totally up to

1039
00:47:21,200 --> 00:47:25,520
Speaker 5: you as a couple how you structure your expenditure, but

1040
00:47:26,320 --> 00:47:29,560
Speaker 5: you should each have an allocation from my perspective of

1041
00:47:29,600 --> 00:47:32,319
Speaker 5: money that you can spend on whatever you want. So

1042
00:47:32,440 --> 00:47:34,439
Speaker 5: like you each get twenty bucks a week or fifty

1043
00:47:34,480 --> 00:47:36,280
Speaker 5: bucks a week or whatever fits within.

1044
00:47:36,160 --> 00:47:38,200
Speaker 2: Your budget, and that's not questioned.

1045
00:47:38,360 --> 00:47:40,279
Speaker 5: Yeah. Literally, it's like you, that's your money. If you

1046
00:47:40,280 --> 00:47:41,759
Speaker 5: want to buy a coffee every day, if you want

1047
00:47:41,760 --> 00:47:43,520
Speaker 5: to go out for drinks on Friday night, if you

1048
00:47:43,560 --> 00:47:46,120
Speaker 5: want to buy ten million things on Amazon, as long

1049
00:47:46,160 --> 00:47:49,040
Speaker 5: as it fits within that allocated money, that's your money

1050
00:47:49,080 --> 00:47:52,960
Speaker 5: to spend. Anything outside of that then becomes Okay, that

1051
00:47:53,080 --> 00:47:55,839
Speaker 5: is a cost that needs to be discussed because you've

1052
00:47:55,880 --> 00:47:58,359
Speaker 5: got your money that's allocated for spending, for fun money,

1053
00:47:58,440 --> 00:48:01,280
Speaker 5: as Victoria calls it. If you've spent your fun money,

1054
00:48:01,880 --> 00:48:03,840
Speaker 5: then it's kind of you need to talk, well, are

1055
00:48:03,920 --> 00:48:06,320
Speaker 5: we going to take more money away from our holiday

1056
00:48:06,360 --> 00:48:09,680
Speaker 5: fund or whatever it is? To me, it's as simple

1057
00:48:09,719 --> 00:48:12,760
Speaker 5: as that. So if you don't have allocated discretionary spending,

1058
00:48:13,000 --> 00:48:15,719
Speaker 5: implement it. If you do have it and he's going

1059
00:48:15,760 --> 00:48:17,480
Speaker 5: over it, then it's a conversation that needs to be

1060
00:48:17,560 --> 00:48:20,560
Speaker 5: had about, Okay, well we set these ground rules or

1061
00:48:20,600 --> 00:48:22,879
Speaker 5: these amounts of money that we could spend, and you're

1062
00:48:23,160 --> 00:48:26,040
Speaker 5: going over that, and that's compromising other things. So do

1063
00:48:26,080 --> 00:48:28,560
Speaker 5: we need to redo our budget or do you need

1064
00:48:28,600 --> 00:48:30,839
Speaker 5: to stop pressing ad to cut? And you know that's

1065
00:48:30,880 --> 00:48:32,280
Speaker 5: a conversation between you guys.

1066
00:48:32,360 --> 00:48:36,719
Speaker 2: But is that like that's quite simple. I know that

1067
00:48:36,800 --> 00:48:39,799
Speaker 2: it's probably a bit emotionally charged as well, because you're

1068
00:48:39,800 --> 00:48:43,000
Speaker 2: probably seeing all these packages arrive and every single time

1069
00:48:43,040 --> 00:48:45,520
Speaker 2: you see them arrive, you're probably getting like, oh another one,

1070
00:48:45,600 --> 00:48:47,680
Speaker 2: Like you're getting frustrated with this. So we need to

1071
00:48:48,000 --> 00:48:51,239
Speaker 2: probably sit down and do as Jess is recommending, go

1072
00:48:51,400 --> 00:48:53,799
Speaker 2: have a look at your budget. What is going on there?

1073
00:48:54,120 --> 00:48:56,799
Speaker 2: Is this actually coming out of their fund money? If not,

1074
00:48:57,239 --> 00:48:59,640
Speaker 2: what is it coming out of and have you, I

1075
00:48:59,680 --> 00:49:02,480
Speaker 2: guess zoomed out and looked at the bigger picture you

1076
00:49:02,560 --> 00:49:05,080
Speaker 2: mentioned before my fun money, And I think that it's

1077
00:49:05,120 --> 00:49:08,319
Speaker 2: a really good idea to label it that way. I know,

1078
00:49:08,600 --> 00:49:10,719
Speaker 2: so like actually's on the money We pay monthly, right,

1079
00:49:10,840 --> 00:49:14,240
Speaker 2: So I get my income into my account every month,

1080
00:49:14,600 --> 00:49:18,240
Speaker 2: but then I have an autodirect debit transfer that happens

1081
00:49:18,280 --> 00:49:21,760
Speaker 2: every single week on a Thursday to my fun money account.

1082
00:49:22,000 --> 00:49:24,080
Speaker 2: And I know if I wanted to purchase something on

1083
00:49:24,120 --> 00:49:25,799
Speaker 2: Amazon but there was nothing in there, I just put

1084
00:49:25,800 --> 00:49:27,680
Speaker 2: it off a bit until I have more fun money.

1085
00:49:27,840 --> 00:49:30,560
Speaker 2: And I think that that helps me a lot because

1086
00:49:30,640 --> 00:49:33,279
Speaker 2: I know it's a consistent, Like I know that every

1087
00:49:33,320 --> 00:49:35,920
Speaker 2: single week I have that amount that I can spend

1088
00:49:36,000 --> 00:49:39,480
Speaker 2: money on and it's not eating into our bigger goals.

1089
00:49:39,800 --> 00:49:42,719
Speaker 2: It would be a bigger conversation for Steve and I

1090
00:49:42,719 --> 00:49:44,920
Speaker 2: if it was and I was moving money from different

1091
00:49:44,920 --> 00:49:47,719
Speaker 2: places to make these purchases. But for me, I'm like, oh,

1092
00:49:47,800 --> 00:49:50,160
Speaker 2: I spent it all, Okay, I wait to next Thursday.

1093
00:49:50,320 --> 00:49:52,520
Speaker 2: I'm still going to order it like it's still happening.

1094
00:49:52,719 --> 00:49:55,520
Speaker 2: But I'm allowed to do that because that's within our

1095
00:49:55,680 --> 00:50:00,440
Speaker 2: budgeting like parameters, I suppose, So is it within that?

1096
00:50:00,600 --> 00:50:03,400
Speaker 2: If not, how are you going to manage for that?

1097
00:50:03,840 --> 00:50:06,240
Speaker 2: If you feel like you're not on the same page

1098
00:50:06,320 --> 00:50:10,000
Speaker 2: about budgeting and spending and all of these purchases, I

1099
00:50:10,000 --> 00:50:13,040
Speaker 2: would argue that bringing up his Amazon purchases as the

1100
00:50:13,080 --> 00:50:16,000
Speaker 2: main point of the conversation isn't a good idea. I'd

1101
00:50:16,000 --> 00:50:18,839
Speaker 2: actually go, Hey, I'm feeling a little bit in disarray.

1102
00:50:19,200 --> 00:50:23,319
Speaker 2: I'd really love to do a refresh, like let's just

1103
00:50:23,400 --> 00:50:26,040
Speaker 2: do a brand new budget, start from scrap should we

1104
00:50:26,080 --> 00:50:29,200
Speaker 2: can go through all of our expenses and that way, one,

1105
00:50:29,440 --> 00:50:32,200
Speaker 2: you're doing a really nice financial health check on your

1106
00:50:32,239 --> 00:50:36,319
Speaker 2: own financial health. But you're also able to bring this

1107
00:50:36,440 --> 00:50:39,640
Speaker 2: up as a really small part of a bigger conversation

1108
00:50:39,719 --> 00:50:42,440
Speaker 2: about where as a couple you're heading. Because it can

1109
00:50:42,480 --> 00:50:44,680
Speaker 2: be quite confrontational. I know that if I went to

1110
00:50:44,760 --> 00:50:46,640
Speaker 2: Jess and said, Jess, you're spending too much on Amazon,

1111
00:50:46,680 --> 00:50:49,040
Speaker 2: she'd be like, what, No, I'm not. You spend so

1112
00:50:49,160 --> 00:50:51,239
Speaker 2: much on drinks, and you know, you go out with

1113
00:50:51,280 --> 00:50:54,040
Speaker 2: your friends and you're always paying for coffee she might

1114
00:50:54,120 --> 00:50:57,920
Speaker 2: be right, like she might be spending her fun money

1115
00:50:57,960 --> 00:51:00,400
Speaker 2: and mine just looks different. But because I don't have

1116
00:51:00,480 --> 00:51:03,680
Speaker 2: anything physical that I bring homese is so much more

1117
00:51:03,760 --> 00:51:06,000
Speaker 2: visible than mine. So I think we need to just

1118
00:51:06,160 --> 00:51:09,319
Speaker 2: zoom out a bit, have a look at the big picture, communicate,

1119
00:51:09,560 --> 00:51:12,480
Speaker 2: and do a budget. That's usually what gets everyone back

1120
00:51:12,480 --> 00:51:15,640
Speaker 2: on the same page. And then if you identify that

1121
00:51:15,640 --> 00:51:18,360
Speaker 2: that is an issue that is eating into your goals,

1122
00:51:18,719 --> 00:51:21,160
Speaker 2: then we can have a conversation about what that looks

1123
00:51:21,200 --> 00:51:23,640
Speaker 2: like and how maybe we could change that or maybe

1124
00:51:23,680 --> 00:51:27,440
Speaker 2: setting limits. Because at the end of the day, I

1125
00:51:27,480 --> 00:51:29,719
Speaker 2: think we need to enjoy the journey, like we need

1126
00:51:29,760 --> 00:51:32,200
Speaker 2: to be enjoying life at the same time as working

1127
00:51:32,239 --> 00:51:35,440
Speaker 2: towards financial freedom. I mean, don't get me wrong, the

1128
00:51:35,520 --> 00:51:39,680
Speaker 2: fire community financial independence retire early, they wouldn't have this,

1129
00:51:40,200 --> 00:51:42,120
Speaker 2: But I think that to be on the best page.

1130
00:51:42,200 --> 00:51:46,799
Speaker 2: Guess what I'm going to say. Communication, Oh yeah, that

1131
00:51:46,880 --> 00:51:51,080
Speaker 2: a part, a really healthy part of communication is clarity, right,

1132
00:51:51,400 --> 00:51:56,600
Speaker 2: and to give yourself clarity. Conversation tools and communication tools

1133
00:51:56,680 --> 00:51:59,279
Speaker 2: do look like budgets and things that you can bring

1134
00:51:59,320 --> 00:52:02,480
Speaker 2: to the table that are structured, so these conversations aren't

1135
00:52:02,600 --> 00:52:05,400
Speaker 2: as emotional they're not, Jess, I feel like you're spending

1136
00:52:05,440 --> 00:52:07,880
Speaker 2: too much. They are. Hey, I can see from the

1137
00:52:07,880 --> 00:52:10,600
Speaker 2: budget that we are overspending in this area. How can

1138
00:52:10,640 --> 00:52:12,520
Speaker 2: we strip that back? And then it can be an

1139
00:52:12,560 --> 00:52:15,120
Speaker 2: open conversation where no one feels like they're being attacked,

1140
00:52:15,360 --> 00:52:19,280
Speaker 2: because the second you start attacking someone, especially about money,

1141
00:52:19,320 --> 00:52:20,920
Speaker 2: they're going to shut down and never want to talk

1142
00:52:20,920 --> 00:52:22,759
Speaker 2: to you again. I don't want to talk about money

1143
00:52:22,760 --> 00:52:25,160
Speaker 2: if you're going to make me feel bad about it.

1144
00:52:24,760 --> 00:52:27,920
Speaker 2: That's not for me. Thanks, though, I'd actually prefer to

1145
00:52:27,960 --> 00:52:28,719
Speaker 2: go back into debt.

1146
00:52:28,920 --> 00:52:31,000
Speaker 4: Yeah. What did the community have to say?

1147
00:52:31,040 --> 00:52:33,440
Speaker 2: So we did, as always ask the community. First question

1148
00:52:33,520 --> 00:52:36,160
Speaker 2: we asked was should both partners agree on a purchase

1149
00:52:36,239 --> 00:52:39,120
Speaker 2: if it is not considered to be necessary. Forty six

1150
00:52:39,160 --> 00:52:42,600
Speaker 2: percent of you said yes, Agreement is key in relationships.

1151
00:52:42,960 --> 00:52:45,359
Speaker 2: Fifty four percent of you said no. Each person can

1152
00:52:45,600 --> 00:52:50,080
Speaker 2: decide for themselves. Do you discuss unnecessary purchases or are

1153
00:52:50,120 --> 00:52:51,560
Speaker 2: you like me and you just have fun money? And

1154
00:52:51,600 --> 00:52:53,440
Speaker 2: if it's above and beyond fun money, we have to

1155
00:52:53,480 --> 00:52:53,960
Speaker 2: discuss it.

1156
00:52:54,040 --> 00:52:57,160
Speaker 5: We don't share funds, so it's a household purchase.

1157
00:52:57,680 --> 00:52:59,600
Speaker 2: What if you're going to buy a TV like New

1158
00:52:59,640 --> 00:53:00,879
Speaker 2: TV for the launde room.

1159
00:53:01,160 --> 00:53:02,440
Speaker 5: Yeah, if we were going to buy like a big

1160
00:53:02,440 --> 00:53:04,440
Speaker 5: piece of furniture or something, that would be a conversation

1161
00:53:04,640 --> 00:53:07,120
Speaker 5: for sure, probably aesthetics.

1162
00:53:07,200 --> 00:53:08,640
Speaker 4: I would imagine you're probably like.

1163
00:53:09,080 --> 00:53:11,800
Speaker 5: Yeah, I'm like I'm probably wanting the more expensive, pretty

1164
00:53:11,880 --> 00:53:14,200
Speaker 5: item and he's like, the fifty dollars whatever is fine

1165
00:53:14,239 --> 00:53:17,360
Speaker 5: if you I mean, sit down, sit down, sir. You

1166
00:53:17,400 --> 00:53:19,560
Speaker 5: don't get it. There's a conversation to be had there.

1167
00:53:19,640 --> 00:53:22,359
Speaker 2: But is there a limit? Do you reckon? Like do

1168
00:53:22,400 --> 00:53:24,200
Speaker 2: we need to discuss a fifty dollar purchase?

1169
00:53:24,360 --> 00:53:26,319
Speaker 5: It's hard to take because for us, the only things

1170
00:53:26,320 --> 00:53:31,000
Speaker 5: that we share expenses for are like Bill's groceries, rent imature. Yeah,

1171
00:53:31,040 --> 00:53:35,480
Speaker 5: pretty much. I think like anything to me, yeah, kind

1172
00:53:35,480 --> 00:53:38,319
Speaker 5: of anything over fifty bucks feels expensive, especially if it's out,

1173
00:53:38,320 --> 00:53:41,640
Speaker 5: Like if I had to buy laundry detergent pods, which

1174
00:53:41,640 --> 00:53:44,480
Speaker 5: are like sixty dollars or see I got.

1175
00:53:44,280 --> 00:53:46,680
Speaker 2: A bug in the other date reject shop though came

1176
00:53:46,719 --> 00:53:47,959
Speaker 2: down to like thirty cents a pod.

1177
00:53:48,000 --> 00:53:50,360
Speaker 5: You're welcome love the reatar shop. You mean, so like

1178
00:53:50,400 --> 00:53:51,799
Speaker 5: if it was something like that that, like, yes, it's

1179
00:53:51,800 --> 00:53:53,680
Speaker 5: technically over the fifty dollar limit, but like we need

1180
00:53:53,719 --> 00:53:56,839
Speaker 5: it then no. But if it was, Oh, I want

1181
00:53:56,840 --> 00:54:00,840
Speaker 5: to buy us a sixty dollar vase from shared funds.

1182
00:54:00,840 --> 00:54:02,600
Speaker 5: Not that that's something we would spend shared funds on,

1183
00:54:02,640 --> 00:54:04,439
Speaker 5: but if that was the case, then yeah, that would

1184
00:54:04,480 --> 00:54:05,480
Speaker 5: be a conversation for us.

1185
00:54:05,520 --> 00:54:07,520
Speaker 2: I feel like I still are and I don't know

1186
00:54:07,600 --> 00:54:11,160
Speaker 2: if this is a bad thing or not, but when

1187
00:54:11,320 --> 00:54:15,200
Speaker 2: I want to make a big purchase, I still ask Steve,

1188
00:54:15,360 --> 00:54:17,719
Speaker 2: even though it's my own money, because I kind of

1189
00:54:17,719 --> 00:54:20,919
Speaker 2: want validation fair. I'm like, oh, so I'm thinking about

1190
00:54:21,000 --> 00:54:24,120
Speaker 2: buying this coat. It's kind of expensive. Do you think

1191
00:54:24,120 --> 00:54:26,319
Speaker 2: it's cute? Do you think I'm going to get were?

1192
00:54:26,360 --> 00:54:28,279
Speaker 2: I'm not really asking him if I can buy it.

1193
00:54:28,719 --> 00:54:32,080
Speaker 2: I'm kind of like discussing the purchase. It's yeah, I'm like,

1194
00:54:32,160 --> 00:54:34,400
Speaker 2: do you like it? He's the worst friend when it

1195
00:54:34,400 --> 00:54:37,040
Speaker 2: comes to fashion. No bare, He's like, no, yeah, if

1196
00:54:37,080 --> 00:54:38,680
Speaker 2: you feel good in it, you should get it. So

1197
00:54:38,840 --> 00:54:41,600
Speaker 2: that's not what I'm asking. That is not what I'm asking.

1198
00:54:41,680 --> 00:54:43,880
Speaker 2: He's like, is it a trap? Like every time I

1199
00:54:44,239 --> 00:54:45,760
Speaker 2: do I look good? He's like, this is a trap?

1200
00:54:46,200 --> 00:54:47,760
Speaker 5: Like the answer is always The answer.

1201
00:54:47,640 --> 00:54:49,600
Speaker 2: Is always yes, Like it's not a trap. You should

1202
00:54:49,640 --> 00:54:52,480
Speaker 2: have learnt by now. Next question that we asked the community,

1203
00:54:52,560 --> 00:54:54,759
Speaker 2: We said, is it okay to set spending limits for

1204
00:54:54,800 --> 00:54:57,600
Speaker 2: your partner if you're worried about their online shopping habits.

1205
00:54:58,040 --> 00:55:01,080
Speaker 2: Sixty four percent of you said yes, it's reasonable budgeting,

1206
00:55:01,440 --> 00:55:03,960
Speaker 2: and thirty six percent of you said no, that's true controlling.

1207
00:55:04,080 --> 00:55:05,719
Speaker 5: I think for me, it's the free like you have

1208
00:55:05,760 --> 00:55:07,839
Speaker 5: to set it together. Like I don't think I could

1209
00:55:07,840 --> 00:55:10,200
Speaker 5: turn around and say to my partner you can only

1210
00:55:10,239 --> 00:55:11,239
Speaker 5: spend one hundred dollars a week.

1211
00:55:11,280 --> 00:55:12,719
Speaker 2: I'm not your mum exactly.

1212
00:55:12,800 --> 00:55:15,600
Speaker 5: Like I think you should come to that decision together

1213
00:55:15,760 --> 00:55:17,080
Speaker 5: about your shared expenses.

1214
00:55:17,360 --> 00:55:20,160
Speaker 2: Yeah, and I think again, get this, this is gonna

1215
00:55:20,200 --> 00:55:22,520
Speaker 2: really blow your minds. Actually comes back to your budget.

1216
00:55:23,000 --> 00:55:26,000
Speaker 2: So like you will have worked out all of your

1217
00:55:26,040 --> 00:55:28,960
Speaker 2: non negotiable costs, those things that we can't avoid. Then

1218
00:55:29,000 --> 00:55:31,880
Speaker 2: we're going to see what discretionary cash we have available

1219
00:55:31,880 --> 00:55:34,360
Speaker 2: to allocate. We're going to set our savings and investments,

1220
00:55:34,400 --> 00:55:35,799
Speaker 2: and then from there we're going to have some cash

1221
00:55:35,840 --> 00:55:39,919
Speaker 2: left over to play with. Once that's allocated. I'm not saying, Jess,

1222
00:55:39,960 --> 00:55:42,920
Speaker 2: you can only spend that. I'm saying to achieve everything

1223
00:55:42,960 --> 00:55:45,840
Speaker 2: that we're achieving, this is the amount allocated each month

1224
00:55:46,000 --> 00:55:47,840
Speaker 2: for us to play with, and if you want to

1225
00:55:47,840 --> 00:55:51,000
Speaker 2: earn more, we need to go back to the drawing board.

1226
00:55:51,160 --> 00:55:53,440
Speaker 2: Either reshuffle the budget to make a little bit more

1227
00:55:53,440 --> 00:55:56,400
Speaker 2: wiggle room, or look at things like increasing our income

1228
00:55:56,719 --> 00:56:01,120
Speaker 2: or moving to a different location or everything. Unfortunately is

1229
00:56:01,120 --> 00:56:03,759
Speaker 2: about compromise because we can't just have our cake and

1230
00:56:03,800 --> 00:56:07,719
Speaker 2: eat it too, And like that's sad but true. We did,

1231
00:56:07,800 --> 00:56:10,040
Speaker 2: as always, asked the community for their two cents, and

1232
00:56:10,080 --> 00:56:12,680
Speaker 2: we had a couple of really good comments. So someone said,

1233
00:56:12,960 --> 00:56:15,839
Speaker 2: sounds like they need discretionary spending limits. Each can spend

1234
00:56:16,040 --> 00:56:18,879
Speaker 2: x amount per week without asking permission. Feel like that's

1235
00:56:18,920 --> 00:56:22,200
Speaker 2: a great place to start. Someone else said, my partner

1236
00:56:22,280 --> 00:56:24,799
Speaker 2: didn't tell me I couldn't purchase things, but helped me

1237
00:56:24,880 --> 00:56:27,200
Speaker 2: see it wasn't worth it. And I'm actually really glad

1238
00:56:27,600 --> 00:56:31,360
Speaker 2: that's nice. Someone else said, I too, am the Amazon

1239
00:56:31,520 --> 00:56:33,880
Speaker 2: addict in the situation, so I'm just here for the

1240
00:56:33,920 --> 00:56:37,640
Speaker 2: advice police. I love that someone else said, create a

1241
00:56:37,680 --> 00:56:40,400
Speaker 2: spreadsheet just for him to record the amount of value

1242
00:56:40,560 --> 00:56:43,239
Speaker 2: in each month. It might help to be able to

1243
00:56:43,280 --> 00:56:46,320
Speaker 2: see the bigger picture. I think that's a pretty good one,

1244
00:56:46,440 --> 00:56:50,279
Speaker 2: But again, I feel like i'd be pretty pissed off

1245
00:56:50,280 --> 00:56:53,600
Speaker 2: if you did that to me, like being honest, if

1246
00:56:54,120 --> 00:56:56,359
Speaker 2: somebody sat me down, if my husband sat me down

1247
00:56:56,360 --> 00:56:58,239
Speaker 2: and said, I think that your online spending is a

1248
00:56:58,239 --> 00:57:00,319
Speaker 2: little bit much, So I've created a spreadshee en, I've

1249
00:57:00,360 --> 00:57:03,600
Speaker 2: documented all the costs, so I'd be like, Okay, there's

1250
00:57:03,600 --> 00:57:05,680
Speaker 2: no other way for me to feel except for attack here.

1251
00:57:06,719 --> 00:57:08,880
Speaker 2: So I feel like again, going back to the bigger

1252
00:57:08,960 --> 00:57:12,359
Speaker 2: picture is more constructive. But if it works for you,

1253
00:57:12,400 --> 00:57:15,160
Speaker 2: give it a crack. Someone else said, you can offer

1254
00:57:15,160 --> 00:57:18,040
Speaker 2: an opinion, but you can't control what someone else chooses

1255
00:57:18,080 --> 00:57:20,240
Speaker 2: to spend their money on, which I think is really

1256
00:57:20,280 --> 00:57:23,640
Speaker 2: important as well. True we said just before, Jess, we're

1257
00:57:23,640 --> 00:57:26,320
Speaker 2: not your parents, like You're in a relationship, and a

1258
00:57:26,360 --> 00:57:29,320
Speaker 2: relationship is give and take, and it's about equal contribution.

1259
00:57:29,800 --> 00:57:32,680
Speaker 2: So I think it's important to remember that. Someone else said,

1260
00:57:32,720 --> 00:57:35,640
Speaker 2: imagine what we would say if a husband tried to

1261
00:57:35,680 --> 00:57:38,080
Speaker 2: control his wife's spending totally.

1262
00:57:38,760 --> 00:57:41,360
Speaker 5: You know it's not for the gender lens on it,

1263
00:57:41,400 --> 00:57:43,720
Speaker 5: but you know it goes both ways.

1264
00:57:43,800 --> 00:57:46,480
Speaker 2: And then we'll leave you with one last one. Someone

1265
00:57:46,480 --> 00:57:49,400
Speaker 2: else said, is he still contributing to what was agreed

1266
00:57:49,440 --> 00:57:52,040
Speaker 2: to for the joint goals? If so, it's then his

1267
00:57:52,160 --> 00:57:54,800
Speaker 2: money to spend. Yeah, so I feel like that's fair

1268
00:57:54,840 --> 00:57:56,560
Speaker 2: just because you don't see value in the things he

1269
00:57:56,640 --> 00:58:00,360
Speaker 2: sees value in. Maybe that's a bigger conversation. But again,

1270
00:58:01,240 --> 00:58:03,480
Speaker 2: just do a budget. Start from scrappy.

1271
00:58:03,640 --> 00:58:04,160
Speaker 5: It's crazy.

1272
00:58:04,560 --> 00:58:08,320
Speaker 2: I get this. There's actually an entirely free one on

1273
00:58:08,360 --> 00:58:11,360
Speaker 2: my website. You can download it for free. I made it,

1274
00:58:11,440 --> 00:58:12,000
Speaker 2: so you know.

1275
00:58:12,040 --> 00:58:12,919
Speaker 5: It's going to be good.

1276
00:58:14,440 --> 00:58:15,120
Speaker 2: It's truly good.

1277
00:58:15,520 --> 00:58:15,720
Speaker 5: Yeah.

1278
00:58:16,120 --> 00:58:18,280
Speaker 2: There's lots of stuff on the resources page too. Just

1279
00:58:18,320 --> 00:58:21,160
Speaker 2: a little shout out to that web page because everybody

1280
00:58:21,240 --> 00:58:23,520
Speaker 2: dms us and says where do I get those savings hacks?

1281
00:58:23,520 --> 00:58:25,680
Speaker 2: All those savings goals? They're just on our website. You

1282
00:58:25,720 --> 00:58:27,800
Speaker 2: can download them, you can print them, you can frame them,

1283
00:58:27,800 --> 00:58:29,840
Speaker 2: you can do whatever you want with them. You can

1284
00:58:30,040 --> 00:58:31,880
Speaker 2: hand them out at work, you can put it on

1285
00:58:31,920 --> 00:58:33,640
Speaker 2: your fridge. I don't care what you do with them,

1286
00:58:33,640 --> 00:58:36,800
Speaker 2: as long as you're saving money. So with that, let's

1287
00:58:36,880 --> 00:58:38,720
Speaker 2: leave it. Have a good week, guys, and we will

1288
00:58:38,760 --> 00:58:46,200
Speaker 2: see you bright and early on Monday for a money diary. Bye, guys. Bye.

1289
00:58:48,440 --> 00:58:51,000
Speaker 2: The advice shared on Shees on the Money is general

1290
00:58:51,040 --> 00:58:54,880
Speaker 2: in nature and does not consider your individual circumstances. She's

1291
00:58:54,960 --> 00:58:58,400
Speaker 2: on the Money exists purely for educational purposes and should

1292
00:58:58,440 --> 00:59:00,320
Speaker 2: not be relied upon to make an in s men

1293
00:59:00,480 --> 00:59:03,240
Speaker 2: or financial decision. If you do choose to buy a

1294
00:59:03,280 --> 00:59:07,360
Speaker 2: financial product, read the PDS TMD and obtain appropriate financial

1295
00:59:07,400 --> 00:59:11,320
Speaker 2: advice tailored towards your needs. Victoria Divine and Sheese on

1296
00:59:11,360 --> 00:59:14,680
Speaker 2: the Money are authorized representatives of Money sherper p T

1297
00:59:14,880 --> 00:59:17,640
Speaker 2: y lt D A b N three two one six

1298
00:59:17,720 --> 00:59:21,360
Speaker 2: four nine two seven seven zero eight AFS L four

1299
00:59:21,440 --> 00:59:24,000
Speaker 2: five one two eight nine