1 00:00:00,680 --> 00:00:04,920 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,960 --> 00:00:08,680 Speaker 1: the Order Kerney Whoalbury and a waddery woman. And before 3 00:00:08,680 --> 00:00:11,160 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,319 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:17,720 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,560 Speaker 1: acknowledging the elders, the ancestors and the next generation coming through. 7 00:00:23,040 --> 00:00:27,159 Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and 8 00:00:27,240 --> 00:00:30,600 Speaker 1: the storytelling of you to make a difference for today 9 00:00:31,040 --> 00:00:32,640 Speaker 1: and lasting impact for tomorrow. 10 00:00:33,320 --> 00:00:34,120 Speaker 2: Let's get into it. 11 00:00:34,760 --> 00:00:47,880 Speaker 3: She's on the Money, She's on the Money. 12 00:00:57,880 --> 00:01:00,760 Speaker 4: Hello, and welcome to She's on the Money, the podcast 13 00:01:00,840 --> 00:01:04,319 Speaker 4: Millennials who want Financial Freedom. Today is Friday, which means 14 00:01:04,360 --> 00:01:06,440 Speaker 4: it's time to get the team together or as many 15 00:01:06,440 --> 00:01:08,600 Speaker 4: of us as we can find, and celebrate you the 16 00:01:08,680 --> 00:01:11,600 Speaker 4: incredible She's in the Money community. Today, all we sharing 17 00:01:11,600 --> 00:01:13,720 Speaker 4: my favorite money in Beck is going to be sharing 18 00:01:13,760 --> 00:01:16,840 Speaker 4: her best broke tips, and we're going to be unpacking 19 00:01:16,840 --> 00:01:19,119 Speaker 4: something that you slid into our DMS about which this 20 00:01:19,160 --> 00:01:21,839 Speaker 4: week is all about covering the cost of last minute 21 00:01:21,880 --> 00:01:26,120 Speaker 4: wedding guest cancelations and that one got very very juicy, 22 00:01:26,440 --> 00:01:30,160 Speaker 4: very quickly to stick around. If you're listening today knowing Victoria, 23 00:01:30,240 --> 00:01:32,759 Speaker 4: you sound so different or yes, you make that joke 24 00:01:32,840 --> 00:01:37,240 Speaker 4: every time Victoria is not here. Surprise Victoria is missing, 25 00:01:37,440 --> 00:01:41,240 Speaker 4: poor dol. She's got bronchitis, so she probably also doesn't 26 00:01:41,240 --> 00:01:45,479 Speaker 4: sound like Victoria either right now, sound like. 27 00:01:45,640 --> 00:01:50,240 Speaker 2: A weathered man, really raspy. 28 00:01:50,080 --> 00:01:51,880 Speaker 4: Yeah, little I love it when you have that like 29 00:01:52,000 --> 00:01:53,760 Speaker 4: last day of sick, little little bit. 30 00:01:53,680 --> 00:01:55,600 Speaker 2: Of oh my gosh, I love a bit of last 31 00:01:55,640 --> 00:01:59,600 Speaker 2: day of sick raspiness. Yeah, need to silver lining for sure. Yeah, 32 00:01:59,680 --> 00:02:01,240 Speaker 2: so she's that to look for to you. But sadly 33 00:02:01,280 --> 00:02:02,840 Speaker 2: she's not here. So Beck and I are holding down 34 00:02:02,960 --> 00:02:05,240 Speaker 2: the fort this week. But we hope you bear with 35 00:02:05,280 --> 00:02:06,760 Speaker 2: this and enjoy regardless. 36 00:02:07,600 --> 00:02:10,280 Speaker 4: How is your week? Than it was really nice. 37 00:02:10,280 --> 00:02:12,000 Speaker 2: It's been really nice. As you know, as I was 38 00:02:12,040 --> 00:02:15,679 Speaker 2: mentioning off air, this week has been top of mine 39 00:02:15,720 --> 00:02:18,520 Speaker 2: right now is I'm trying to get jacked. So lots 40 00:02:18,520 --> 00:02:22,880 Speaker 2: of gym love, lots of pub, lots of going out. 41 00:02:23,040 --> 00:02:26,600 Speaker 2: I'm just living life. I'm a dream so excited, it's 42 00:02:26,639 --> 00:02:30,760 Speaker 2: almost Christmas. It's just good vibes all round. Yeah, great week, 43 00:02:31,200 --> 00:02:33,200 Speaker 2: and this is really insensitive for me because I know 44 00:02:33,440 --> 00:02:37,560 Speaker 2: your week already, adef oh no, I just I totally 45 00:02:37,600 --> 00:02:39,240 Speaker 2: forgot that. How was your week? 46 00:02:39,480 --> 00:02:43,320 Speaker 4: I don't even know how honest to be, I had 47 00:02:43,400 --> 00:02:46,720 Speaker 4: like the worst twenty four hours ever. I flattered my 48 00:02:46,800 --> 00:02:49,240 Speaker 4: house by my own fault. I left the bath running 49 00:02:49,240 --> 00:02:51,960 Speaker 4: because I was just doing a million things, and as 50 00:02:52,000 --> 00:02:54,640 Speaker 4: you guys know, I'm renting, so I felt extra just 51 00:02:54,720 --> 00:02:57,800 Speaker 4: terrible because it's not my house to ruin. Not that 52 00:02:57,840 --> 00:02:59,520 Speaker 4: you want to ruin any house, but like I feel 53 00:02:59,520 --> 00:03:02,720 Speaker 4: extra bad because it's not mine. So that happened. And 54 00:03:02,760 --> 00:03:05,600 Speaker 4: then the same day, my car battery stopped working, so 55 00:03:05,639 --> 00:03:08,200 Speaker 4: I had to replace the car battery. Obviously, when I 56 00:03:08,240 --> 00:03:11,880 Speaker 4: flooded the house, I used every available piece of material 57 00:03:11,919 --> 00:03:13,880 Speaker 4: to mop up the water. It was, when I say it, 58 00:03:13,919 --> 00:03:16,840 Speaker 4: like I flooded the house like it, I did a 59 00:03:16,840 --> 00:03:19,399 Speaker 4: really good job of it, which the one time you'd 60 00:03:19,400 --> 00:03:21,720 Speaker 4: really preferred to do a shitty job or something, I 61 00:03:21,760 --> 00:03:24,640 Speaker 4: really nailed it. So I like every sheet, every towel, 62 00:03:24,760 --> 00:03:27,280 Speaker 4: every pillowcase, like anything that was made of fabric. Every 63 00:03:27,320 --> 00:03:30,040 Speaker 4: blanket was on our floor. And so our bath tarby 64 00:03:30,120 --> 00:03:32,720 Speaker 4: is currently full of wet items that I need to 65 00:03:32,800 --> 00:03:35,800 Speaker 4: launder and then I was doing like my eighth float 66 00:03:35,840 --> 00:03:37,800 Speaker 4: of laundry for the day yesterday, and the washing machine 67 00:03:37,840 --> 00:03:41,520 Speaker 4: started leaking, so yes, that was going really well. And 68 00:03:41,560 --> 00:03:44,440 Speaker 4: then I broken ale just to really cap it off, 69 00:03:45,520 --> 00:03:48,040 Speaker 4: broken ail and ripped a dress. Was like, and this 70 00:03:48,120 --> 00:03:49,680 Speaker 4: is all in the space of twenty four hours, and 71 00:03:49,760 --> 00:03:51,280 Speaker 4: I just I can't take any more. 72 00:03:51,440 --> 00:03:53,560 Speaker 2: Like that is so weird. I want to know what 73 00:03:53,640 --> 00:03:56,320 Speaker 2: your co star is saying. What are your horoscopes saying, 74 00:03:56,400 --> 00:03:59,000 Speaker 2: Like maybe there's something in the air, Like why is 75 00:03:59,040 --> 00:03:59,840 Speaker 2: this all happening to your. 76 00:03:59,800 --> 00:04:01,880 Speaker 4: Own I don't know, but I feel like it's because 77 00:04:01,880 --> 00:04:05,320 Speaker 4: I'm an idiot, and I just it's been like this 78 00:04:05,400 --> 00:04:06,760 Speaker 4: all happened at the start of the week and it's 79 00:04:06,800 --> 00:04:09,360 Speaker 4: just colored the rest. And I know that, you know, 80 00:04:09,400 --> 00:04:11,320 Speaker 4: there are much worse things happening, and there are people 81 00:04:11,360 --> 00:04:12,680 Speaker 4: that have it so much worse than me. But I 82 00:04:12,720 --> 00:04:14,400 Speaker 4: found it really hard to pull my head out of 83 00:04:14,400 --> 00:04:16,440 Speaker 4: my ass a little bit and snap out of it. 84 00:04:16,920 --> 00:04:21,480 Speaker 4: And this is so silly. We had to take our 85 00:04:21,600 --> 00:04:24,400 Speaker 4: Christmas tree down because it was in the area that flooded. 86 00:04:24,560 --> 00:04:27,359 Speaker 4: And when I flooded everything, I was home alone, and 87 00:04:27,400 --> 00:04:30,080 Speaker 4: so my tactic was get everything out, so like em 88 00:04:30,080 --> 00:04:32,040 Speaker 4: deal the rooms, get all the furniture, everything off the 89 00:04:32,080 --> 00:04:35,039 Speaker 4: floors so I could mop everything really properly. And we 90 00:04:35,160 --> 00:04:37,159 Speaker 4: paid for someone obviously to come and do the best 91 00:04:37,160 --> 00:04:39,560 Speaker 4: as they could, and of course we obviously have spoken 92 00:04:39,600 --> 00:04:41,920 Speaker 4: to our property manager. Like this isn't a secret or anything, 93 00:04:42,360 --> 00:04:44,640 Speaker 4: but I got everything out. But I took down the 94 00:04:44,680 --> 00:04:46,680 Speaker 4: tree and I haven't put it back up because I 95 00:04:46,720 --> 00:04:49,560 Speaker 4: was like, well, presumably someone's gonna have to come repair 96 00:04:49,600 --> 00:04:51,240 Speaker 4: the floors, and I don't want to make their life 97 00:04:51,279 --> 00:04:54,599 Speaker 4: harder by having more stuff out, so I put it away. 98 00:04:54,839 --> 00:04:57,120 Speaker 4: And now I feel sad and enjoy of Christmas is 99 00:04:57,160 --> 00:05:00,400 Speaker 4: just gone a little bit. Like I I found it 100 00:05:00,440 --> 00:05:02,200 Speaker 4: really hard. If you follow me on Instagram, you would 101 00:05:02,200 --> 00:05:04,480 Speaker 4: know that I've been going hard on Christmas, Like I've 102 00:05:04,480 --> 00:05:06,880 Speaker 4: been decorating. I've been having lots of fun, living my 103 00:05:06,920 --> 00:05:10,000 Speaker 4: best life, and then like I took down the tree 104 00:05:10,000 --> 00:05:11,840 Speaker 4: and I just had this really really bad twenty four 105 00:05:11,880 --> 00:05:15,960 Speaker 4: hours and I've just gone. It's just it's like the mat. 106 00:05:15,800 --> 00:05:18,279 Speaker 2: I feel like the Grinch ye that my JIC is gone. 107 00:05:18,400 --> 00:05:22,440 Speaker 4: I feel really sad and really stressed, and very silly 108 00:05:22,480 --> 00:05:25,680 Speaker 4: for feeling sad and stressed and flooming my house. Like, ultimately, 109 00:05:25,720 --> 00:05:28,320 Speaker 4: I think my frustration stems from the fact that I 110 00:05:28,360 --> 00:05:30,440 Speaker 4: know that it's all my own fault. Sure, Like if 111 00:05:30,480 --> 00:05:32,320 Speaker 4: I just hadn't been stupid, Oh. 112 00:05:32,240 --> 00:05:35,640 Speaker 2: My gosh, it was so avoidable. Is that like a 113 00:05:36,000 --> 00:05:38,479 Speaker 2: hundred percent? Yeah? Yeah, I get you. I get you. Yeah, 114 00:05:38,600 --> 00:05:43,880 Speaker 2: there's no worse feeling when something is so inconvenient it 115 00:05:44,160 --> 00:05:46,960 Speaker 2: ruins several days of your life. Yeah, and you know 116 00:05:47,040 --> 00:05:50,719 Speaker 2: you could have avoided it. Wowow. But also like you 117 00:05:50,760 --> 00:05:52,960 Speaker 2: do put a lot of effort into Christmas decorations. I 118 00:05:53,000 --> 00:05:55,400 Speaker 2: mean it looks amazing, so I get it, and you're 119 00:05:55,440 --> 00:05:57,839 Speaker 2: so considerate for being like I'm going to have a 120 00:05:57,880 --> 00:06:00,560 Speaker 2: beer lound room, yeah, just in case someone needs to 121 00:06:00,600 --> 00:06:00,839 Speaker 2: come in. 122 00:06:00,880 --> 00:06:05,160 Speaker 4: And yeah, the house is very sad looking. That's okay. 123 00:06:05,360 --> 00:06:07,920 Speaker 2: All they say. Once you hit rock bottom, there's nowhere 124 00:06:07,960 --> 00:06:08,440 Speaker 2: to go but up. 125 00:06:08,560 --> 00:06:11,920 Speaker 4: Oh god, Well, if someone hasn't up for me right now, 126 00:06:11,960 --> 00:06:14,760 Speaker 4: I would love to hear it ro bottom. 127 00:06:15,080 --> 00:06:15,279 Speaker 2: Yeah. 128 00:06:15,400 --> 00:06:16,560 Speaker 4: I was going to say, I don't know how much 129 00:06:16,560 --> 00:06:18,279 Speaker 4: worse it could get, but I need something would touch 130 00:06:18,320 --> 00:06:24,720 Speaker 4: because I just well so, yeah, I don't know anyway, 131 00:06:24,960 --> 00:06:27,560 Speaker 4: moving right along, Yes, sorry for trouble dumping on the listener. 132 00:06:28,320 --> 00:06:29,200 Speaker 2: No, you're allowed. 133 00:06:29,200 --> 00:06:31,679 Speaker 4: This is a safe space, happy place. Let's talk about 134 00:06:31,680 --> 00:06:32,280 Speaker 4: some money wins. 135 00:06:32,360 --> 00:06:33,440 Speaker 2: Yes, good idea. 136 00:06:33,640 --> 00:06:35,400 Speaker 4: My first money in this week is a goody. It 137 00:06:35,440 --> 00:06:38,000 Speaker 4: comes from Heather. She's feeling very on brand with you, 138 00:06:38,080 --> 00:06:41,080 Speaker 4: very in sync with you this week, Beck, She said, Camart, 139 00:06:41,200 --> 00:06:44,360 Speaker 4: I've been donating to the gym aka not going because 140 00:06:44,360 --> 00:06:46,360 Speaker 4: I'm a lazy girl who struggles to leave my house 141 00:06:46,360 --> 00:06:50,080 Speaker 4: to exercise. So I brought the gym to me. I 142 00:06:50,160 --> 00:06:53,000 Speaker 4: set up under my house and just watch YouTube workouts. 143 00:06:53,000 --> 00:06:55,440 Speaker 4: She's bought all of her little bits and pieces from Kmart. 144 00:06:55,480 --> 00:06:57,880 Speaker 4: She's got some weights and a matt and some other 145 00:06:57,920 --> 00:06:59,279 Speaker 4: things that I don't even know what you do with. 146 00:06:59,720 --> 00:07:02,280 Speaker 4: But good on new queen. And she said, this cost 147 00:07:02,360 --> 00:07:04,640 Speaker 4: me under one hundred dollars compared to forty dollars a 148 00:07:04,680 --> 00:07:07,280 Speaker 4: week for a membership that I wasn't even using. It's 149 00:07:07,320 --> 00:07:09,840 Speaker 4: super fun and I feel comfortable in my own home. 150 00:07:10,080 --> 00:07:12,480 Speaker 2: That's amazing. And came out have some really good like 151 00:07:12,760 --> 00:07:13,920 Speaker 2: exercise equipment. 152 00:07:14,120 --> 00:07:16,440 Speaker 4: Yeah, I have some weights and stuff from them, and 153 00:07:16,480 --> 00:07:18,320 Speaker 4: they like cute pastoral colors and I mean. 154 00:07:18,200 --> 00:07:20,239 Speaker 2: Like a weight is away right, Like how totally? 155 00:07:20,320 --> 00:07:22,040 Speaker 4: But it's always a little bit nice, so when it's 156 00:07:22,040 --> 00:07:24,880 Speaker 4: pretty one hundred percent. Next, I've got a money in 157 00:07:24,920 --> 00:07:27,200 Speaker 4: from Chloe who said I tore a hole in my 158 00:07:27,320 --> 00:07:29,600 Speaker 4: jeans and instead of buying a new pair, I've bought 159 00:07:29,640 --> 00:07:32,680 Speaker 4: an iron on repair patch for five bucks from Spotlight. 160 00:07:32,920 --> 00:07:35,040 Speaker 4: The hole is not obvious at all, and I get 161 00:07:35,080 --> 00:07:36,440 Speaker 4: longer wear out of the jeans. 162 00:07:36,680 --> 00:07:38,760 Speaker 2: That is cool. And also those little patches, they're kind 163 00:07:38,800 --> 00:07:39,080 Speaker 2: of cool. 164 00:07:39,160 --> 00:07:42,000 Speaker 4: They're fine. You can get like smiley faced ones and stuff. Yeah, 165 00:07:42,080 --> 00:07:44,200 Speaker 4: I'm assuming she just got one that goes behind because 166 00:07:44,200 --> 00:07:46,480 Speaker 4: she said you can't even really see it, But I mean, 167 00:07:46,600 --> 00:07:48,679 Speaker 4: how good. And you spend so long breaking your jeans 168 00:07:48,720 --> 00:07:51,240 Speaker 4: in There is nothing worse than buying a brand new 169 00:07:51,240 --> 00:07:53,760 Speaker 4: pair of jeans when you've got your favorite one that yeah, 170 00:07:53,760 --> 00:07:55,280 Speaker 4: fity perfect and. 171 00:07:55,800 --> 00:07:56,720 Speaker 2: They're just fitting right. 172 00:07:56,840 --> 00:07:57,040 Speaker 1: Yeah. 173 00:07:57,040 --> 00:07:59,920 Speaker 2: But also holes are kind of in fashion. I don't know, 174 00:08:00,000 --> 00:08:00,920 Speaker 2: actually I don't know fashion. 175 00:08:00,960 --> 00:08:02,920 Speaker 4: But it depends where they are and it depends how 176 00:08:02,960 --> 00:08:03,440 Speaker 4: old you are. 177 00:08:03,680 --> 00:08:04,160 Speaker 2: That's true. 178 00:08:04,200 --> 00:08:05,760 Speaker 4: That's because if you are someone they made that joke, 179 00:08:06,400 --> 00:08:08,800 Speaker 4: how did you pay half pasty jeans because half of 180 00:08:08,840 --> 00:08:09,440 Speaker 4: them is missing? 181 00:08:10,720 --> 00:08:13,760 Speaker 2: Okay, that is boomer, but I really think it's kind 182 00:08:13,760 --> 00:08:16,480 Speaker 2: of funny. I appreciate that. 183 00:08:16,600 --> 00:08:20,560 Speaker 4: Rated top points from Beck. Next, I've got a money 184 00:08:20,600 --> 00:08:23,640 Speaker 4: win from Lisa, who said money win. I really wanted 185 00:08:23,640 --> 00:08:25,680 Speaker 4: a pedicure, but I didn't have time to go to 186 00:08:25,720 --> 00:08:28,760 Speaker 4: the foot in foot out, so I don't even know 187 00:08:28,800 --> 00:08:33,520 Speaker 4: what that sounds A collar, No, it's is the pedicurest place. 188 00:08:33,559 --> 00:08:35,680 Speaker 4: But I don't really know what in the foot out me. 189 00:08:37,080 --> 00:08:41,440 Speaker 4: I've never had a pedicure. I'm educated. But she said instead, 190 00:08:41,840 --> 00:08:44,280 Speaker 4: her sweet seven year old daughter did her toes at 191 00:08:44,320 --> 00:08:47,160 Speaker 4: home for her. She saved some money and little miss 192 00:08:47,200 --> 00:08:48,240 Speaker 4: loved doing the painting. 193 00:08:48,400 --> 00:08:51,160 Speaker 2: Oh my gosh, and she's probably training up to be 194 00:08:51,679 --> 00:08:53,359 Speaker 2: maybe her full time pedicurist. 195 00:08:53,600 --> 00:08:56,480 Speaker 4: Literally, get the girl some YouTube videos, basic tool and 196 00:08:56,559 --> 00:08:57,400 Speaker 4: put her to work. 197 00:08:57,760 --> 00:08:59,280 Speaker 2: What else are kids for? 198 00:08:59,480 --> 00:09:02,400 Speaker 4: Literally, you know what I mean, labor within the home. 199 00:09:02,760 --> 00:09:04,480 Speaker 2: You went home within the home, of course. 200 00:09:05,520 --> 00:09:08,600 Speaker 4: Next, I've got Natalie who said money win. During Black Friday, 201 00:09:08,640 --> 00:09:10,440 Speaker 4: I went on shop back just to have a look, 202 00:09:10,440 --> 00:09:13,280 Speaker 4: and I saw Expedia were doing thirteen percent cash back 203 00:09:13,320 --> 00:09:16,080 Speaker 4: on hotel bookings. So I booked myself four nights in 204 00:09:16,120 --> 00:09:18,440 Speaker 4: London in a hotel I had previously looked at for 205 00:09:18,480 --> 00:09:21,200 Speaker 4: twelve hundred dollars. I got it on sale for six 206 00:09:21,280 --> 00:09:23,960 Speaker 4: hundred and ninety and I got thirty five dollars cash 207 00:09:24,040 --> 00:09:24,800 Speaker 4: back chuching. 208 00:09:25,160 --> 00:09:28,040 Speaker 2: Oh my gosh, go off coin. That is so good. 209 00:09:28,160 --> 00:09:30,920 Speaker 4: I like the casual. I booked myself four nights in London. 210 00:09:31,120 --> 00:09:35,040 Speaker 2: Yeah, yeah, that's well worth it. If you get thirty 211 00:09:35,040 --> 00:09:36,040 Speaker 2: five bucks back. 212 00:09:36,840 --> 00:09:39,360 Speaker 4: That's it. And she got the thing half price as well, 213 00:09:39,400 --> 00:09:40,080 Speaker 4: so that sounds. 214 00:09:40,000 --> 00:09:41,559 Speaker 2: Yeah, that is actually really really cool. 215 00:09:41,760 --> 00:09:44,040 Speaker 4: Lastly, I've got a money win from Shelby, who said 216 00:09:44,080 --> 00:09:46,400 Speaker 4: I received this email from my real estate and I 217 00:09:46,440 --> 00:09:49,319 Speaker 4: was honestly so shocked that this happened. The money from 218 00:09:49,360 --> 00:09:51,680 Speaker 4: one week of my rent will pay my Airbnb for 219 00:09:51,760 --> 00:09:54,920 Speaker 4: my Melbourne troop to see Taylor Swift honestly so generous, 220 00:09:54,960 --> 00:09:57,880 Speaker 4: and she's popped in a screenshot and this email from 221 00:09:58,000 --> 00:10:01,079 Speaker 4: her real estate agent says, guys, hope you've both been 222 00:10:01,080 --> 00:10:03,600 Speaker 4: doing well. The owner would like to gift you one 223 00:10:03,760 --> 00:10:06,600 Speaker 4: week of free rent for the Christmas period to say 224 00:10:06,640 --> 00:10:08,280 Speaker 4: thank you for being great tenants. 225 00:10:08,720 --> 00:10:10,440 Speaker 2: That is so nice. 226 00:10:10,640 --> 00:10:13,959 Speaker 4: How lovely is that? It's so nice, so thoughtful and 227 00:10:14,000 --> 00:10:15,920 Speaker 4: consider and obviously not everybody can do that, but if 228 00:10:15,960 --> 00:10:19,080 Speaker 4: you are in the position too, what a lovely thoughtful 229 00:10:19,080 --> 00:10:21,120 Speaker 4: thing and how nice to say thank you to your 230 00:10:21,160 --> 00:10:24,080 Speaker 4: tenants for me and good tenants presumably not flooding your house. 231 00:10:24,720 --> 00:10:28,160 Speaker 2: Yes, ideally, ideally that is really lovely. 232 00:10:28,679 --> 00:10:30,040 Speaker 4: That's everything that I've got this week. 233 00:10:30,160 --> 00:10:32,800 Speaker 2: Okay, Well, if you don't mind, may I share my 234 00:10:32,800 --> 00:10:36,160 Speaker 2: brogue tips? I would like nothing more. Okay, So this 235 00:10:36,240 --> 00:10:38,720 Speaker 2: week I have obviously two from the community, one from myself. 236 00:10:39,080 --> 00:10:42,800 Speaker 2: So the first one comes from Christy who has basically 237 00:10:42,840 --> 00:10:45,040 Speaker 2: said that she found this really cool app. It's called 238 00:10:45,240 --> 00:10:48,600 Speaker 2: half Price, and it basically just shows you everything that's 239 00:10:48,640 --> 00:10:51,840 Speaker 2: half priced in woolies and coals in particular for the week, 240 00:10:51,960 --> 00:10:54,000 Speaker 2: so you can just add them to the shopping list 241 00:10:54,440 --> 00:10:56,720 Speaker 2: and go off. Just next time you're in the shops, 242 00:10:57,240 --> 00:10:59,439 Speaker 2: before you go in, just sit in your car for 243 00:10:59,440 --> 00:11:02,280 Speaker 2: a little while, go in half Price, see what's going on, 244 00:11:03,040 --> 00:11:04,800 Speaker 2: try and like plan your week out. 245 00:11:05,080 --> 00:11:05,360 Speaker 4: Yeah. 246 00:11:05,400 --> 00:11:07,480 Speaker 2: I just think that's the most convenient thing ever. Like, 247 00:11:07,679 --> 00:11:10,080 Speaker 2: I had no idea this existed, So I'm absolutely going 248 00:11:10,160 --> 00:11:12,680 Speaker 2: to download this as soon as we finish up here. 249 00:11:13,120 --> 00:11:15,680 Speaker 2: Half Price just in case you didn't get that. Okay. 250 00:11:15,720 --> 00:11:18,520 Speaker 2: The next one comes from Ebony. I really like this 251 00:11:18,559 --> 00:11:21,240 Speaker 2: one because she's saying, like, obviously it was Black Friday 252 00:11:21,320 --> 00:11:23,320 Speaker 2: sales not too long ago, and a lot of people 253 00:11:23,400 --> 00:11:26,960 Speaker 2: are upgrading their televisions, their fridges. I don't know all 254 00:11:27,000 --> 00:11:29,760 Speaker 2: their appliances and stuff. It is a little bit cheeky. 255 00:11:29,840 --> 00:11:34,320 Speaker 2: So basically, instead of buying everything that is on sale, 256 00:11:34,480 --> 00:11:37,000 Speaker 2: even if you need to upgrade your own home appliances, 257 00:11:37,000 --> 00:11:40,160 Speaker 2: your TVs or whatever, other people are going to be 258 00:11:40,320 --> 00:11:44,120 Speaker 2: selling those things when they upgrade. So what we're going 259 00:11:44,160 --> 00:11:48,959 Speaker 2: to be doing is not buying anything in store. We're 260 00:11:49,000 --> 00:11:51,880 Speaker 2: going to be going on Marketplace, on gum Tree, on 261 00:11:52,240 --> 00:11:56,360 Speaker 2: all these other resale places and looking for people who 262 00:11:56,400 --> 00:12:03,240 Speaker 2: are selling their still good, but now upgraded everything. I 263 00:12:03,320 --> 00:12:05,880 Speaker 2: keep saying TV, but I'm talking about you know whatever, 264 00:12:05,960 --> 00:12:08,000 Speaker 2: microwaves to people sell microwaves, I'm sure they do. Yeah, 265 00:12:08,360 --> 00:12:09,760 Speaker 2: put all the little things in your house so you 266 00:12:09,800 --> 00:12:13,120 Speaker 2: feel like you need to upgrade, don't buy it brand new. 267 00:12:13,200 --> 00:12:15,000 Speaker 2: Wait for other people to do that for you and 268 00:12:15,120 --> 00:12:16,200 Speaker 2: sell their own things. 269 00:12:16,360 --> 00:12:20,240 Speaker 4: Honestly, Yeah, absolutely, that's so smart. I have done that. 270 00:12:20,800 --> 00:12:23,840 Speaker 4: The vacuum now, I'm saying old vacuum, yes, exactly. Why 271 00:12:23,920 --> 00:12:26,679 Speaker 4: not pick up a bargain and you don't need the 272 00:12:26,720 --> 00:12:29,080 Speaker 4: newest top of the line whatever, like an old grade 273 00:12:29,120 --> 00:12:30,800 Speaker 4: is still just going. 274 00:12:30,559 --> 00:12:32,880 Speaker 2: From point A to point B totally. 275 00:12:33,040 --> 00:12:34,280 Speaker 4: That is such a good tip. 276 00:12:34,480 --> 00:12:36,559 Speaker 2: Yes, and it's always you know, it's a little bit cheaper, 277 00:12:36,600 --> 00:12:38,120 Speaker 2: it's a little bit more affordable whatever. 278 00:12:38,280 --> 00:12:41,360 Speaker 4: Just circular economy too, such a big fan of the 279 00:12:41,360 --> 00:12:42,559 Speaker 4: circular economy. 280 00:12:42,320 --> 00:12:44,480 Speaker 2: Reduced through recycle exactly. 281 00:12:44,600 --> 00:12:46,360 Speaker 4: Same. What about your broke tip? 282 00:12:46,520 --> 00:12:48,200 Speaker 2: So my broke tip. I don't know if you've heard 283 00:12:48,200 --> 00:12:49,800 Speaker 2: about this, and I also don't know if it's just 284 00:12:49,840 --> 00:12:51,880 Speaker 2: in Melbourne. I'm sure it's in other places as well, 285 00:12:52,080 --> 00:12:54,200 Speaker 2: but here we have what's called rough trade. Have you 286 00:12:54,200 --> 00:12:55,240 Speaker 2: heard about rough trade? 287 00:12:55,320 --> 00:12:55,520 Speaker 4: No? 288 00:12:55,920 --> 00:12:59,080 Speaker 2: So it's this Facebook group. Try and check it out 289 00:12:59,120 --> 00:13:01,360 Speaker 2: and see if you haven't a equi where you are, 290 00:13:01,520 --> 00:13:03,920 Speaker 2: maybe Sydney, wherever you are. But in Melbourne we do 291 00:13:03,960 --> 00:13:06,440 Speaker 2: have a rough trade. And what I used to do 292 00:13:06,600 --> 00:13:09,200 Speaker 2: is if I was like really broke one week, I 293 00:13:09,200 --> 00:13:11,000 Speaker 2: would be like, okay, let me look around my house 294 00:13:11,120 --> 00:13:14,120 Speaker 2: and I'm going to put up a random desk chair. 295 00:13:14,520 --> 00:13:16,600 Speaker 2: What you can do is because sometimes if you actually 296 00:13:16,600 --> 00:13:18,760 Speaker 2: sell that on marketplace, you don't get much money, maybe 297 00:13:18,800 --> 00:13:21,200 Speaker 2: like ten twenty bucks whatever. It might not be actually 298 00:13:21,240 --> 00:13:24,280 Speaker 2: worth anything, but you put it on rough trade. You say, hey, guys, 299 00:13:24,400 --> 00:13:30,520 Speaker 2: here's an office chair I want to swap for soy milk, coffee, grinds, rice, 300 00:13:31,000 --> 00:13:34,720 Speaker 2: And you go in and you basically say what you 301 00:13:34,760 --> 00:13:38,280 Speaker 2: want to swap your whatever it is for, and you 302 00:13:38,320 --> 00:13:40,440 Speaker 2: get it. So I've gotten so many things over my time. 303 00:13:40,480 --> 00:13:42,840 Speaker 2: I've been like, oh my gosh, I like have to 304 00:13:42,880 --> 00:13:46,520 Speaker 2: go to a dinner party tonight and I have no dessert, 305 00:13:46,600 --> 00:13:51,520 Speaker 2: So I'm swapping my microwave for an entire krock and bush, 306 00:13:51,559 --> 00:13:53,360 Speaker 2: you know what I mean. Like, you know, obviously that's 307 00:13:53,400 --> 00:13:56,439 Speaker 2: like a crazy example, but really rough trade is so good. 308 00:13:56,520 --> 00:13:59,000 Speaker 2: You might find people wanting to trade for nothing. They 309 00:13:59,040 --> 00:14:00,880 Speaker 2: might be like, hey, guys, just take this off my hand, 310 00:14:00,880 --> 00:14:03,800 Speaker 2: I don't need it whatever. Same as like the free 311 00:14:03,800 --> 00:14:06,560 Speaker 2: section in like gum Tree or Marketplace or whatever. But 312 00:14:06,720 --> 00:14:09,199 Speaker 2: with this it's more, you know, you can actually use, 313 00:14:09,280 --> 00:14:11,400 Speaker 2: you can actually see what you're getting out of it, 314 00:14:11,480 --> 00:14:13,880 Speaker 2: you know. So I would recommend that if you're having 315 00:14:13,880 --> 00:14:17,920 Speaker 2: a week where you literally just can't afford groceries, find 316 00:14:17,920 --> 00:14:19,440 Speaker 2: something in your house that you want to trade for 317 00:14:19,520 --> 00:14:21,920 Speaker 2: a bag of rice. Yeah, just something, you know what 318 00:14:21,960 --> 00:14:25,160 Speaker 2: I mean. So trade in Melbourne. I'm sure there are 319 00:14:25,240 --> 00:14:28,160 Speaker 2: equivalents elsewhere. I would recommend that just if you're going 320 00:14:28,200 --> 00:14:30,080 Speaker 2: through a tough time and have some things around the 321 00:14:30,120 --> 00:14:32,320 Speaker 2: house that you could get rid of, that's really cool. 322 00:14:32,360 --> 00:14:35,360 Speaker 4: Does that exist on that page to people also trade skills? 323 00:14:35,680 --> 00:14:37,880 Speaker 2: That's a very good question, because you could do. 324 00:14:38,040 --> 00:14:40,160 Speaker 4: We're having this conversation in our friend group because my 325 00:14:40,320 --> 00:14:43,200 Speaker 4: partner is a physio, and our friends will just be like, oh, 326 00:14:43,240 --> 00:14:45,640 Speaker 4: like community exercises, and of course I'm always happy to 327 00:14:46,040 --> 00:14:48,240 Speaker 4: but I was saying it works really well because like 328 00:14:48,240 --> 00:14:50,440 Speaker 4: one of our other friends is a plumber, and I 329 00:14:50,520 --> 00:14:52,480 Speaker 4: was like, well, when my toilet wasn't flushing, I was 330 00:14:52,480 --> 00:14:54,240 Speaker 4: asking Daniel, how do I fix this? I didn't want 331 00:14:54,240 --> 00:14:55,720 Speaker 4: to pay someone to come out, so it would be 332 00:14:55,720 --> 00:14:57,640 Speaker 4: really cool if you could do the same thing. I 333 00:14:57,680 --> 00:14:59,440 Speaker 4: don't know if on rough trade or even within your 334 00:14:59,480 --> 00:15:01,800 Speaker 4: friendship group, it's like sharing skills, I think right now, 335 00:15:01,800 --> 00:15:04,520 Speaker 4: when we're all super strapped for cash, being like, hey, 336 00:15:04,600 --> 00:15:06,240 Speaker 4: like I need someone to come and replace all my 337 00:15:06,320 --> 00:15:09,000 Speaker 4: light bulbs. I'll pay you in cookies or you know, 338 00:15:09,400 --> 00:15:12,000 Speaker 4: I'll design a beautiful piece of artwork for you, because 339 00:15:12,000 --> 00:15:14,400 Speaker 4: obviously you're an artist, so like I could trade you 340 00:15:14,440 --> 00:15:17,360 Speaker 4: a piece of artwork for your help or something like that. Like, 341 00:15:17,360 --> 00:15:19,360 Speaker 4: I feel like that if it doesn't exist, it would 342 00:15:19,360 --> 00:15:20,760 Speaker 4: be very cool if it did exist. 343 00:15:21,000 --> 00:15:24,000 Speaker 2: That is a great idea. I really think you're under something. Yeah, 344 00:15:24,200 --> 00:15:25,120 Speaker 2: try to fill that up. 345 00:15:25,560 --> 00:15:30,000 Speaker 4: Yeah, definitely, zero skills set, just a fun idea. 346 00:15:30,160 --> 00:15:33,200 Speaker 2: Yeah, definitely. Yess that's a great idea. 347 00:15:33,360 --> 00:15:34,320 Speaker 4: All right, Well, there we go. 348 00:15:34,520 --> 00:15:36,960 Speaker 2: Let's go on a quick break and try and actually 349 00:15:37,000 --> 00:15:39,640 Speaker 2: develop this app while where over a tea? Are you 350 00:15:39,680 --> 00:15:40,280 Speaker 2: comfortable with that? 351 00:15:40,440 --> 00:15:41,960 Speaker 4: Yeah, let's set a time. Be right back. 352 00:15:42,040 --> 00:15:51,040 Speaker 2: Yeah, welcome back everyone. This week, we are skipping money 353 00:15:51,040 --> 00:15:53,760 Speaker 2: Dilemma because I worry that it's maybe a little bit 354 00:15:53,760 --> 00:15:58,880 Speaker 2: triggering for you considering the amount of money dilemmas you 355 00:15:58,880 --> 00:16:02,200 Speaker 2: are currently going through. But we also thought maybe we'd 356 00:16:02,240 --> 00:16:05,000 Speaker 2: just like wait for VD because I don't know she 357 00:16:05,080 --> 00:16:06,560 Speaker 2: might be. I don't want I don't want to have fomo. 358 00:16:07,320 --> 00:16:09,360 Speaker 2: We wanted to wig in. We wanted to wait in. 359 00:16:09,960 --> 00:16:12,160 Speaker 2: You know, I think that leaves us with the DM, 360 00:16:12,200 --> 00:16:14,920 Speaker 2: the juicy, juicy DM that I don't know about you. 361 00:16:15,080 --> 00:16:17,920 Speaker 2: This is all I look forward to. Yes, let's go. 362 00:16:18,080 --> 00:16:20,680 Speaker 4: There's lots to unpack this week. So our DM this 363 00:16:20,760 --> 00:16:23,200 Speaker 4: week says, Hey, Tim, I have a dilemma fore you. 364 00:16:23,440 --> 00:16:26,640 Speaker 4: I'm having an interstate wedding next week. I gave everyone 365 00:16:26,720 --> 00:16:28,840 Speaker 4: a save the date one and a half years ago 366 00:16:29,120 --> 00:16:32,400 Speaker 4: and formal invitations in January this year. Most people formerly 367 00:16:32,440 --> 00:16:35,440 Speaker 4: a rsvped by July. It's now one week out from 368 00:16:35,480 --> 00:16:38,320 Speaker 4: the wedding, and I have already given the confirmed numbers 369 00:16:38,320 --> 00:16:40,960 Speaker 4: to the venue and paid the outstanding amount, which was 370 00:16:41,040 --> 00:16:46,120 Speaker 4: eighteen six hundred dollars. Within the last week. Ten guests 371 00:16:46,200 --> 00:16:50,200 Speaker 4: who had previously rsvped that they were coming have now canceled, 372 00:16:50,240 --> 00:16:53,000 Speaker 4: citing that it's too expensive for them to travel into state, 373 00:16:53,320 --> 00:16:56,600 Speaker 4: and I am scrambling to cover their seats. Otherwise I'm 374 00:16:56,640 --> 00:17:00,720 Speaker 4: effectively wasting two thousand dollars. Is it reasonable to request 375 00:17:00,720 --> 00:17:03,520 Speaker 4: that they cover these costs themselves? How do I ask 376 00:17:03,560 --> 00:17:04,960 Speaker 4: them without sounding like an asshole? 377 00:17:06,520 --> 00:17:09,399 Speaker 2: Oh my gosh, this is a good one. Weddings are 378 00:17:09,440 --> 00:17:13,439 Speaker 2: so expensive. Yeah, okay, so I guess. So she's not 379 00:17:13,600 --> 00:17:16,120 Speaker 2: literally losing two thousand because she's already paid for it. 380 00:17:16,200 --> 00:17:20,240 Speaker 2: But there will be literally ten seats that are not wasted. Yes, 381 00:17:20,560 --> 00:17:24,879 Speaker 2: that is such a tough one, I would say. I 382 00:17:24,880 --> 00:17:27,360 Speaker 2: guess it is on the people that are literally canceling 383 00:17:27,359 --> 00:17:29,160 Speaker 2: like a week out. I feel like that's that's that's 384 00:17:29,200 --> 00:17:31,760 Speaker 2: really not okay. That's quite rude. Even if the wedding 385 00:17:31,880 --> 00:17:35,640 Speaker 2: was in state, how do I say that? Not interstate? 386 00:17:35,960 --> 00:17:41,919 Speaker 2: In state, state at home, at home basically, but I like, 387 00:17:42,000 --> 00:17:45,159 Speaker 2: I just don't think canceling that close to the wedding 388 00:17:45,880 --> 00:17:48,639 Speaker 2: anywhere it is, no matter what the situation is, is 389 00:17:48,680 --> 00:17:51,399 Speaker 2: ever really okay. It just doesn't feel good. It feels 390 00:17:51,400 --> 00:17:53,399 Speaker 2: a little bit like, I don't know, you're really putting 391 00:17:53,440 --> 00:17:57,760 Speaker 2: some people out. So, but requesting the money is a 392 00:17:57,800 --> 00:18:00,359 Speaker 2: real tough one. Maybe just I would I would explain 393 00:18:00,400 --> 00:18:01,960 Speaker 2: the situation to them and be like, hey, this is 394 00:18:01,960 --> 00:18:03,800 Speaker 2: what's happened. Like a lot of people are canceling now 395 00:18:03,800 --> 00:18:06,600 Speaker 2: because they can't afford it, which is totally fair. Would 396 00:18:06,600 --> 00:18:09,760 Speaker 2: you be willing to just chip in? Or their wedding 397 00:18:09,840 --> 00:18:12,080 Speaker 2: present might be one hundred bucks in a card or 398 00:18:12,080 --> 00:18:14,000 Speaker 2: something like that, you know, but I guess because they 399 00:18:14,000 --> 00:18:15,679 Speaker 2: can't afford to go into state, they might not be 400 00:18:15,680 --> 00:18:18,959 Speaker 2: able to afford to chip in. So that's where we 401 00:18:19,119 --> 00:18:21,360 Speaker 2: are left. I would just I would simply just ask 402 00:18:21,359 --> 00:18:23,640 Speaker 2: the question. I would present them with my dilemma. Yeah, 403 00:18:23,760 --> 00:18:25,320 Speaker 2: see what they say, yeah, you never know. 404 00:18:26,000 --> 00:18:27,959 Speaker 4: Do you think that they would have known more than 405 00:18:28,000 --> 00:18:29,440 Speaker 4: a week in advance that they weren't going to be 406 00:18:29,440 --> 00:18:30,840 Speaker 4: able to afford to go on this trip? 407 00:18:30,960 --> 00:18:32,560 Speaker 2: You would think so, Yeah. 408 00:18:32,280 --> 00:18:34,919 Speaker 4: Because if they've RSVP'd, they got to save the day 409 00:18:34,960 --> 00:18:36,840 Speaker 4: a year and a half, agothing year and a half 410 00:18:36,840 --> 00:18:40,760 Speaker 4: that they potentially could have spent saving, and then RSVPs 411 00:18:40,800 --> 00:18:44,200 Speaker 4: would you in July and we're now in almost or 412 00:18:44,240 --> 00:18:47,320 Speaker 4: we are in December, Oh my gosh, we're in December. Whoa, Well, 413 00:18:49,040 --> 00:18:52,560 Speaker 4: so they've had five or six months to save. Do 414 00:18:52,640 --> 00:18:55,000 Speaker 4: you think at some point prior to the week before 415 00:18:55,000 --> 00:18:57,920 Speaker 4: the wedding they probably could have gone, oh, it looks 416 00:18:57,960 --> 00:19:00,520 Speaker 4: like it's not going to work financially. 417 00:19:00,440 --> 00:19:04,040 Speaker 2: Probably unless they had a Jessica Ricky kind of night 418 00:19:04,400 --> 00:19:07,560 Speaker 2: with flooding and everything disaster. But surely you you would everything, 419 00:19:07,920 --> 00:19:08,240 Speaker 2: That's what. 420 00:19:08,200 --> 00:19:10,640 Speaker 4: I was gonna say. Would not have booked your accommodation 421 00:19:10,880 --> 00:19:13,760 Speaker 4: and your transport prior to like, you wouldn't be booking 422 00:19:13,800 --> 00:19:15,480 Speaker 4: it the week before? Surely? Yeah? 423 00:19:16,000 --> 00:19:20,520 Speaker 2: True, they probably did know purposely didn't book Yeah, and 424 00:19:20,560 --> 00:19:24,400 Speaker 2: then a week out. Yeah, that's true. Actually that's kind 425 00:19:24,400 --> 00:19:24,920 Speaker 2: of sneaky. 426 00:19:25,040 --> 00:19:26,920 Speaker 4: I think it's the weak out thing that's bothering me 427 00:19:27,160 --> 00:19:31,440 Speaker 4: because I can understand if you had rsvp'ed yes at 428 00:19:31,440 --> 00:19:33,560 Speaker 4: the start of the year. Twelve months is a long time, 429 00:19:34,680 --> 00:19:37,800 Speaker 4: you know. I understand that there is a financial burden 430 00:19:37,880 --> 00:19:40,480 Speaker 4: to travel into state, but I also think, like, could 431 00:19:40,520 --> 00:19:42,600 Speaker 4: you have started working into a budget and you're totally right, 432 00:19:42,680 --> 00:19:44,520 Speaker 4: like as I have seen this week when things come 433 00:19:44,600 --> 00:19:48,760 Speaker 4: up like unexpected expenses. People are only human. However, I 434 00:19:48,800 --> 00:19:51,560 Speaker 4: would have thought that you would kind of be planning 435 00:19:51,600 --> 00:19:53,960 Speaker 4: and preparing a lot sooner to the point where you 436 00:19:53,960 --> 00:19:56,120 Speaker 4: would have known a lot sooner if it wasn't going 437 00:19:56,160 --> 00:19:59,080 Speaker 4: to work. Yeah, And for ten it's not one person 438 00:19:59,160 --> 00:20:00,919 Speaker 4: has bailed on this way and gone, oh, I'm so 439 00:20:00,960 --> 00:20:03,240 Speaker 4: sorry my house flooded. I can't like I need to 440 00:20:03,240 --> 00:20:04,479 Speaker 4: sell my flights or something. 441 00:20:05,080 --> 00:20:08,240 Speaker 2: Ten people is a lot of people, Yes, So the 442 00:20:08,359 --> 00:20:12,520 Speaker 2: chances of that kind of being everyone's same situation, it's 443 00:20:12,560 --> 00:20:15,000 Speaker 2: kind of I'm like, if you got to a week 444 00:20:15,040 --> 00:20:18,240 Speaker 2: out of a wedding, you realize you didn't have any money, 445 00:20:18,480 --> 00:20:21,200 Speaker 2: maybe you flooded your apartment, maybe all these things came 446 00:20:21,280 --> 00:20:24,359 Speaker 2: up and you had to cancel. Would you be willing 447 00:20:24,359 --> 00:20:25,880 Speaker 2: to cover the cost of your own seat. 448 00:20:26,040 --> 00:20:28,879 Speaker 4: I think so absolutely, Like when I like with not 449 00:20:28,920 --> 00:20:30,359 Speaker 4: to make it all thatt me, but when I flooded 450 00:20:30,359 --> 00:20:32,720 Speaker 4: the house, I said, we'll pay for the insurance excess, 451 00:20:32,800 --> 00:20:34,000 Speaker 4: like that made sense. 452 00:20:34,200 --> 00:20:37,000 Speaker 2: True. Well, if you couldn't afford to go over to 453 00:20:37,080 --> 00:20:40,600 Speaker 2: go into state and you were actually like scrambling for money, like, 454 00:20:40,640 --> 00:20:42,000 Speaker 2: would you still cover your seat? 455 00:20:42,040 --> 00:20:44,119 Speaker 4: I think I would say. If I physically didn't have 456 00:20:44,119 --> 00:20:46,240 Speaker 4: the money to give right now, I think I would say, Hey, 457 00:20:46,280 --> 00:20:49,080 Speaker 4: I'm so sorry, Like this emergencies come up, I don't 458 00:20:49,080 --> 00:20:51,640 Speaker 4: have the money to travel. I would love to cover 459 00:20:51,680 --> 00:20:53,960 Speaker 4: my seat. Can I pay it back to you within 460 00:20:54,000 --> 00:20:56,359 Speaker 4: the next three months? Or can I pay it back 461 00:20:56,400 --> 00:20:57,879 Speaker 4: on an install a plan or as soon as I 462 00:20:57,920 --> 00:20:59,800 Speaker 4: get back on my feet, can I pay it? Would 463 00:20:59,800 --> 00:21:01,120 Speaker 4: be the first thing that I would want to say, 464 00:21:01,160 --> 00:21:03,520 Speaker 4: because to me, I would want to be communicating to 465 00:21:03,520 --> 00:21:06,040 Speaker 4: the person getting married. I don't want to put you out, 466 00:21:06,040 --> 00:21:08,639 Speaker 4: like I understand that you've paid for me. I understand 467 00:21:08,720 --> 00:21:11,920 Speaker 4: that this has happened. You know, I don't want to 468 00:21:11,920 --> 00:21:14,040 Speaker 4: put you on the back foot because of my emergency. 469 00:21:14,040 --> 00:21:15,800 Speaker 4: And whether or not I can cover that right now 470 00:21:16,160 --> 00:21:19,880 Speaker 4: totally depends on your situation. But I think that there 471 00:21:19,920 --> 00:21:22,199 Speaker 4: is an element of responsibility if you have committed to 472 00:21:22,280 --> 00:21:27,280 Speaker 4: going to something, they've invested in it financially too. Yeah, 473 00:21:27,280 --> 00:21:28,960 Speaker 4: and that's where I kind of I know it's hard 474 00:21:29,000 --> 00:21:30,840 Speaker 4: because it's the bride and groom of chosen to get 475 00:21:30,880 --> 00:21:32,080 Speaker 4: married in to state. But I think you had the 476 00:21:32,080 --> 00:21:34,719 Speaker 4: opportunity to say no, You had the opportunity to say 477 00:21:34,720 --> 00:21:36,480 Speaker 4: if it didn't come up last minute. I do think 478 00:21:36,480 --> 00:21:39,879 Speaker 4: there is an element of responsibility on you to help 479 00:21:39,920 --> 00:21:42,040 Speaker 4: with those like that financial situation. 480 00:21:42,520 --> 00:21:45,080 Speaker 2: I do agree. I actually agree, But you were saying before, 481 00:21:45,119 --> 00:21:49,440 Speaker 2: when you were just skimming through the responses, your mind 482 00:21:49,720 --> 00:21:52,280 Speaker 2: kind of changed because right now I think we're both 483 00:21:52,359 --> 00:21:55,200 Speaker 2: like the person canceling should be paying for this seat, 484 00:21:55,320 --> 00:21:56,640 Speaker 2: whether it's now, whether it's later. 485 00:21:56,800 --> 00:21:58,200 Speaker 4: Yes, all right, well let me tell you first. We 486 00:21:58,240 --> 00:22:00,919 Speaker 4: did ask a couple of questions. He said, do you 487 00:22:00,920 --> 00:22:03,080 Speaker 4: think the guests should have to cover the cost due 488 00:22:03,080 --> 00:22:06,760 Speaker 4: to their late cancelation? Fifty one percent yes, because they 489 00:22:06,800 --> 00:22:11,000 Speaker 4: aresvp'ed attending. Forty nine percent said no, they clearly don't 490 00:22:11,000 --> 00:22:13,600 Speaker 4: have the money to pay, so almost a perfect split, 491 00:22:13,760 --> 00:22:17,439 Speaker 4: which is okay. Then we said, if yes, would you 492 00:22:17,520 --> 00:22:20,880 Speaker 4: take action and ask for the money seven percent said yes, 493 00:22:20,920 --> 00:22:22,879 Speaker 4: I would ask for the cost of the entire seat. 494 00:22:23,440 --> 00:22:26,040 Speaker 4: Twenty nine percent said yes, but I would just ask 495 00:22:26,119 --> 00:22:29,880 Speaker 4: for a percentage of the cost. Sixty three percent said no, 496 00:22:30,080 --> 00:22:33,960 Speaker 4: I would just accept it as a loss and move on. Okay. Next, 497 00:22:33,960 --> 00:22:36,200 Speaker 4: we asked, if you were the guest who canceled late, 498 00:22:36,280 --> 00:22:38,119 Speaker 4: would you be happy to pay back the cost of 499 00:22:38,160 --> 00:22:41,440 Speaker 4: your seat? Fifty three percent said yes and forty seven 500 00:22:41,520 --> 00:22:43,760 Speaker 4: percent said no, So again very close to an even 501 00:22:43,840 --> 00:22:47,360 Speaker 4: Sapit close. Then we said, have you ever been invited 502 00:22:47,359 --> 00:22:49,680 Speaker 4: to a destination wedding and had to say no due 503 00:22:49,720 --> 00:22:52,200 Speaker 4: to the cost of travel and a com Fifty three 504 00:22:52,240 --> 00:22:54,520 Speaker 4: percent said yes, forty seven percent said no, which is 505 00:22:54,560 --> 00:22:58,800 Speaker 4: totally understandable. It is expensive to travel. And lastly, we said, 506 00:22:58,880 --> 00:23:01,439 Speaker 4: if you said yes, how did the people having the 507 00:23:01,440 --> 00:23:06,200 Speaker 4: wedding respond? Eighty six percent of people completely understood, ten 508 00:23:06,200 --> 00:23:09,720 Speaker 4: percent of people said they were disappointed and expected to pay. 509 00:23:10,400 --> 00:23:12,720 Speaker 4: Four percent of people said they were offered to cover 510 00:23:12,800 --> 00:23:13,760 Speaker 4: the cost for them. 511 00:23:14,160 --> 00:23:15,920 Speaker 2: Oh, that's nice. 512 00:23:15,760 --> 00:23:18,639 Speaker 4: Which is very nice. And then we of course asked 513 00:23:18,640 --> 00:23:21,879 Speaker 4: for your two cents and there was a really very 514 00:23:21,960 --> 00:23:26,040 Speaker 4: much like the poll, responses were super duper split, kind 515 00:23:26,040 --> 00:23:28,480 Speaker 4: of in one camp or the other. So let me 516 00:23:28,520 --> 00:23:31,440 Speaker 4: read a couple to you. One person said, she's paying 517 00:23:31,480 --> 00:23:34,000 Speaker 4: the same whether they come or didn't come. It's not 518 00:23:34,040 --> 00:23:36,359 Speaker 4: going to cost her anything, so why should they have 519 00:23:36,400 --> 00:23:37,840 Speaker 4: to pay, which is kind of what you said at 520 00:23:37,840 --> 00:23:38,240 Speaker 4: the start. 521 00:23:38,480 --> 00:23:39,560 Speaker 2: Yeah, I see. 522 00:23:39,680 --> 00:23:41,720 Speaker 4: Someone else said, I don't understand why they have only 523 00:23:41,720 --> 00:23:44,159 Speaker 4: worked out a week out that it's too expensive. It 524 00:23:44,240 --> 00:23:46,359 Speaker 4: is so rude to cancel that late. If it was 525 00:23:46,400 --> 00:23:48,720 Speaker 4: four months ago, it would be different. It's the timing 526 00:23:48,760 --> 00:23:52,000 Speaker 4: of it. Yes, someone said, this is extremely late. The 527 00:23:52,040 --> 00:23:54,400 Speaker 4: cancelation is the issue, no stress. If they were up 528 00:23:54,400 --> 00:23:57,679 Speaker 4: front early. Someone else said, they chose to have a 529 00:23:57,680 --> 00:24:00,800 Speaker 4: destination wedding. The responsibility is on them. It's a big 530 00:24:00,880 --> 00:24:02,280 Speaker 4: ask for the people attending. 531 00:24:02,600 --> 00:24:06,600 Speaker 2: But oh, they gave so much notice. 532 00:24:06,640 --> 00:24:08,679 Speaker 4: That's for me a year and a half, assuming that 533 00:24:08,760 --> 00:24:10,960 Speaker 4: they put in their save the date that it was 534 00:24:11,000 --> 00:24:13,199 Speaker 4: going to be an inter stay wedding, which is a 535 00:24:13,240 --> 00:24:16,520 Speaker 4: lot of time for somebody to prepare. Someone suggested that 536 00:24:16,560 --> 00:24:19,159 Speaker 4: maybe they could invite more guests to cover the seats 537 00:24:19,560 --> 00:24:22,119 Speaker 4: so that you're not awkwardly asking for the money. But 538 00:24:22,160 --> 00:24:24,679 Speaker 4: you still have people filling in, so it kind of 539 00:24:24,680 --> 00:24:26,440 Speaker 4: feels like a little bit of an even out, although 540 00:24:26,440 --> 00:24:28,040 Speaker 4: if you got an invite to a wedding the week before, 541 00:24:28,040 --> 00:24:29,800 Speaker 4: you'd probably know that you were a seat filler, which 542 00:24:29,800 --> 00:24:31,800 Speaker 4: is again potentially a little bit awkward. 543 00:24:32,720 --> 00:24:34,080 Speaker 2: Yeah, I see, I see. 544 00:24:34,240 --> 00:24:36,680 Speaker 4: Someone else has made the point that maybe they could 545 00:24:36,720 --> 00:24:39,240 Speaker 4: afford it previously, but with the cost of living going up, 546 00:24:39,400 --> 00:24:41,680 Speaker 4: maybe they can't afford it anymore, although I do still 547 00:24:41,760 --> 00:24:44,800 Speaker 4: kind of wonder when were they planning on booking their seat. 548 00:24:45,040 --> 00:24:48,880 Speaker 2: Yeah, that's the thing that keeps a current theme. 549 00:24:49,160 --> 00:24:49,440 Speaker 5: Yeah. 550 00:24:49,520 --> 00:24:52,280 Speaker 4: A couple of people made good suggestions on potential resolutions. 551 00:24:52,320 --> 00:24:55,600 Speaker 4: One person said, I wouldn't be surprised if these guests 552 00:24:55,640 --> 00:24:58,920 Speaker 4: still gave them a present. Isn't the gift exchange typically 553 00:24:59,080 --> 00:25:01,119 Speaker 4: what you pay to cut the cost of your seat, 554 00:25:01,520 --> 00:25:04,960 Speaker 4: So perhaps they will still give them the gift. Someone 555 00:25:04,960 --> 00:25:07,200 Speaker 4: else said, I was curious to get my partner's thoughts 556 00:25:07,240 --> 00:25:09,800 Speaker 4: on this. We both thought to suggest a cash gift 557 00:25:09,920 --> 00:25:13,000 Speaker 4: contribution to the honeymoon house whatever's next in their absence 558 00:25:13,400 --> 00:25:15,359 Speaker 4: kind of takes the edge off asking to pay for 559 00:25:15,359 --> 00:25:17,840 Speaker 4: the seat outright, but can also be a choice of 560 00:25:17,840 --> 00:25:20,480 Speaker 4: how much to contribute, and could easily be put towards 561 00:25:20,520 --> 00:25:22,920 Speaker 4: covering the costs of the seat. What do you sit 562 00:25:22,960 --> 00:25:24,440 Speaker 4: on wedding gifts actually. 563 00:25:24,560 --> 00:25:30,959 Speaker 2: Because that's another yes, exactly. My My biggest gripe about 564 00:25:31,240 --> 00:25:36,240 Speaker 2: people being in love is I don't want to be 565 00:25:36,359 --> 00:25:40,639 Speaker 2: paying for Hen's party gifts. Maybe don't have to get 566 00:25:40,640 --> 00:25:42,200 Speaker 2: a present for that, but you do have to pay 567 00:25:42,280 --> 00:25:44,600 Speaker 2: your for your dinner. You to pay a big amount 568 00:25:44,640 --> 00:25:46,960 Speaker 2: for like whatever you're doing that night. You have to 569 00:25:47,000 --> 00:25:49,320 Speaker 2: pay for an engagement party gift, you have to pay 570 00:25:49,359 --> 00:25:51,639 Speaker 2: for wedding gift. You have to pay for maybe a 571 00:25:51,760 --> 00:25:55,200 Speaker 2: baby gift. So many presents. Yeah, and I just want 572 00:25:55,200 --> 00:25:58,119 Speaker 2: to stick to birthday presents or Christmas presents. I don't 573 00:25:58,200 --> 00:26:02,000 Speaker 2: like wedding gifts. Yeah, I get the idea. I don't 574 00:26:02,080 --> 00:26:03,480 Speaker 2: like him. Sorry, hate it. 575 00:26:03,720 --> 00:26:06,520 Speaker 4: I feel weird about cash. And I really understand. I 576 00:26:06,600 --> 00:26:08,800 Speaker 4: understand the cat you know, people say, contribute to our 577 00:26:08,840 --> 00:26:11,879 Speaker 4: wishing well or something like that. I understand that, you know, 578 00:26:11,920 --> 00:26:13,760 Speaker 4: as the person throwing the wedding, you're probably like, well, 579 00:26:13,760 --> 00:26:15,880 Speaker 4: I'd rather have the cash than a cash roll dish. 580 00:26:15,880 --> 00:26:19,040 Speaker 4: And I understand that, but something about it feels very 581 00:26:19,080 --> 00:26:20,000 Speaker 4: transactional to me. 582 00:26:20,119 --> 00:26:21,200 Speaker 2: Yeah, And I always. 583 00:26:20,880 --> 00:26:24,080 Speaker 4: Get really caught up because it's so clear the amount 584 00:26:24,080 --> 00:26:26,760 Speaker 4: that you're giving as well, because if you buy a gift, 585 00:26:26,800 --> 00:26:28,720 Speaker 4: maybe you can purchase something nice to get it on sale, 586 00:26:28,800 --> 00:26:31,240 Speaker 4: or maybe you can make them something beautiful that's worth 587 00:26:31,240 --> 00:26:33,320 Speaker 4: a lot emotionally but maybe not financially. Or there are 588 00:26:33,359 --> 00:26:35,680 Speaker 4: all of these different options, but to me, it really 589 00:26:35,720 --> 00:26:37,840 Speaker 4: feels a bit like cards on the table. I think 590 00:26:37,880 --> 00:26:39,919 Speaker 4: your wedding is worth one hundred. 591 00:26:39,640 --> 00:26:41,160 Speaker 2: Stolls, Yes, exactly. 592 00:26:41,440 --> 00:26:43,520 Speaker 4: It feels a bit uncomfortable to this. 593 00:26:44,200 --> 00:26:45,800 Speaker 2: I totally agree, and. 594 00:26:45,680 --> 00:26:48,000 Speaker 4: It's hard in this situation because we don't know how Oh. 595 00:26:48,040 --> 00:26:50,520 Speaker 4: I suppose you could do the math, actually, but these 596 00:26:50,640 --> 00:26:52,639 Speaker 4: guests probably don't know exactly how much the seed is. 597 00:26:52,720 --> 00:26:54,720 Speaker 4: So I think regardless, she's going to have to have 598 00:26:54,760 --> 00:26:57,680 Speaker 4: a conversation with them in some way, shape or form, 599 00:26:57,720 --> 00:26:59,560 Speaker 4: and I don't really know what the right way to 600 00:26:59,600 --> 00:27:03,719 Speaker 4: approach that is. Someone did suggest checking out Deerman Skill 601 00:27:03,880 --> 00:27:07,199 Speaker 4: demon Skill d ar M a M. Apparently it's a 602 00:27:07,200 --> 00:27:10,239 Speaker 4: communication tool from therapy. This was sent in shockingly by 603 00:27:10,240 --> 00:27:13,280 Speaker 4: a therapist and they said there's a great app called 604 00:27:13,400 --> 00:27:15,720 Speaker 4: the Dime Game which can help them work out how 605 00:27:15,760 --> 00:27:20,320 Speaker 4: assertively they should ask oh, which I don't know anything 606 00:27:20,320 --> 00:27:23,000 Speaker 4: about what this is, but I do like the idea 607 00:27:23,080 --> 00:27:25,520 Speaker 4: of kind of figuring out where to start the conversation 608 00:27:25,520 --> 00:27:27,000 Speaker 4: because it is one of those things. I feel like 609 00:27:27,000 --> 00:27:29,119 Speaker 4: you could come in a bit too hot, yes, especially 610 00:27:29,119 --> 00:27:31,600 Speaker 4: if you're upset, which sounds a bit like our listener 611 00:27:31,640 --> 00:27:34,320 Speaker 4: might be. If you come in all guns blazing, like, look, 612 00:27:34,320 --> 00:27:35,880 Speaker 4: you're not coming to the wedding, pay for your seat. 613 00:27:36,960 --> 00:27:39,480 Speaker 4: And there were a few people responding saying one of 614 00:27:39,520 --> 00:27:42,720 Speaker 4: two ways, either you know, do you value this friendship 615 00:27:42,880 --> 00:27:45,359 Speaker 4: is it worth getting into a fight over? Or people 616 00:27:45,400 --> 00:27:48,040 Speaker 4: saying kick them to the curb girlfriends like they're clearly 617 00:27:48,080 --> 00:27:48,760 Speaker 4: not a real friend. 618 00:27:48,960 --> 00:27:52,440 Speaker 2: Keep ten friends to the curves. That's a decision, that's 619 00:27:52,480 --> 00:27:53,440 Speaker 2: a big loss. 620 00:27:53,800 --> 00:27:54,960 Speaker 4: Yeah, it's really hard. 621 00:27:55,160 --> 00:27:58,360 Speaker 2: I think ideally the people who aren't coming anymore, they 622 00:27:58,359 --> 00:28:02,280 Speaker 2: will give a hoefully cash gift that will contribute to 623 00:28:02,320 --> 00:28:04,920 Speaker 2: the wedding, so she doesn't feel like she's missing out 624 00:28:04,920 --> 00:28:08,680 Speaker 2: on too much. Maybe the seats will go unsat in, 625 00:28:09,320 --> 00:28:13,080 Speaker 2: but she wouldn't have got that money back regardless, I imagine. Yeah, 626 00:28:13,119 --> 00:28:16,439 Speaker 2: so they're they're not there, it all comes out in 627 00:28:16,480 --> 00:28:20,600 Speaker 2: the wash. Hopefully she gets some cash gifts. Yeah, and 628 00:28:20,640 --> 00:28:21,679 Speaker 2: everyone feels okay. 629 00:28:21,920 --> 00:28:24,440 Speaker 4: Yeah, and maybe it is about having a nice conversation Yeah, 630 00:28:24,480 --> 00:28:26,680 Speaker 4: communicating and saying I understand if you're having a hard 631 00:28:26,680 --> 00:28:28,760 Speaker 4: time financially. I don't want to put any pressure on 632 00:28:28,840 --> 00:28:31,399 Speaker 4: you. You know. I wish that you had been able to 633 00:28:31,400 --> 00:28:34,360 Speaker 4: tell me sooner, because now I am out financially. I've 634 00:28:34,359 --> 00:28:36,600 Speaker 4: spent two hundred dollars on your seat that will now 635 00:28:36,640 --> 00:28:38,840 Speaker 4: be empty or something of the sort. And maybe that 636 00:28:38,920 --> 00:28:41,000 Speaker 4: also will help to make them aware of the impact 637 00:28:41,040 --> 00:28:43,960 Speaker 4: that they're having, because they might not realize that paid 638 00:28:44,000 --> 00:28:45,800 Speaker 4: for their dinner and all of those kinds of things, 639 00:28:45,800 --> 00:28:47,360 Speaker 4: and those costs add up very quickly. 640 00:28:47,520 --> 00:28:50,280 Speaker 2: Absolutely, maybe that's the nice way to approach her. Yeah, 641 00:28:50,640 --> 00:28:51,400 Speaker 2: think it's so true. 642 00:28:51,440 --> 00:28:52,920 Speaker 4: I feel like that's all I've got to give today. 643 00:28:52,920 --> 00:28:53,400 Speaker 4: What about you? 644 00:28:54,000 --> 00:28:57,520 Speaker 2: I think same same. I feel very satisfied with this. 645 00:28:57,400 --> 00:28:59,960 Speaker 4: Happy fray Ye. Everybody, don't forget we're doing our twelve 646 00:29:00,080 --> 00:29:02,560 Speaker 4: days of giveaways over on Instagram. We have given away 647 00:29:02,680 --> 00:29:06,440 Speaker 4: some amazing prizes already and we have so many more 648 00:29:06,480 --> 00:29:08,120 Speaker 4: to give where at she's on the money aus. If 649 00:29:08,120 --> 00:29:10,960 Speaker 4: you want to participate, jump into Facebook group too, because 650 00:29:11,000 --> 00:29:14,200 Speaker 4: we do love asking our juicy questions in there as well. 651 00:29:14,280 --> 00:29:17,520 Speaker 4: But otherwise, have the absolute best weekend and VD will 652 00:29:17,560 --> 00:29:19,800 Speaker 4: be back bright and early on Monday with a money 653 00:29:19,880 --> 00:29:21,920 Speaker 4: diary for you, Why guys see letter. 654 00:29:27,880 --> 00:29:30,400 Speaker 5: The advice shared on She's on the Money is general 655 00:29:30,480 --> 00:29:34,320 Speaker 5: in nature and does not consider your individual circumstances. She's 656 00:29:34,360 --> 00:29:37,760 Speaker 5: on the Money exists purely for educational purposes and should 657 00:29:37,840 --> 00:29:41,040 Speaker 5: not be relied upon to make an investment or financial decision. 658 00:29:41,400 --> 00:29:43,840 Speaker 5: If you do choose to buy a financial product, read 659 00:29:43,880 --> 00:29:48,040 Speaker 5: the PDS TMD and obtain appropriate financial advice tailored towards 660 00:29:48,040 --> 00:29:51,320 Speaker 5: your needs. Victoria Divine and She's on the Money are 661 00:29:51,400 --> 00:29:56,400 Speaker 5: authorized representatives of money. Sheirper Pty Ltd ABN three two 662 00:29:56,440 --> 00:29:59,400 Speaker 5: one is six four nine two seven seven zero eight 663 00:29:59,680 --> 00:30:06,840 Speaker 5: af Hersel four five one two eight nine