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This Is the Money Trap That Keeps So Many Women Stuck · She's On The Money

• 0:00
  Speaker 1: Hello.
• 0:01
  Speaker 2: My name is Santasha Nabananga Bamblet. I'm a proud or
• 0:04
  Speaker 2: the Order Kerni Whaltbury and a waddery woman. And before
• 0:08
  Speaker 2: we get started on She's on the Money podcast, I
• 0:11
  Speaker 2: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 2: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 2: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 2: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 2: and the storytelling of you to make a difference for
• 0:30
  Speaker 2: today and lasting impact for tomorrow.
• 0:33
  Speaker 1: Let's get into it. She's on the Money. She's on
• 0:36
  Speaker 1: the Money.
• 0:57
  Speaker 3: Hello, and welcome to She's on the Money podcast that
• 1:00
  Speaker 3: makes personal finance fun, especially on Fridays. It is our
• 1:04
  Speaker 3: favorite day of the week because we get the team
• 1:06
  Speaker 3: together and we celebrate you the incredible She's on the
• 1:10
  Speaker 3: Money community. Mister Skrieky is here as always, and she's
• 1:14
  Speaker 3: going to be sharing our favorite money wins. I think
• 1:16
  Speaker 3: one of her money wins, Beck is going to be
• 1:18
  Speaker 3: discount easter eggs. Probably yep, fantastic.
• 1:21
  Speaker 1: Beck.
• 1:21
  Speaker 3: You're here obviously, and you're going to be sharing your
• 1:24
  Speaker 3: broke tips. We're going to be helping to answer a
• 1:26
  Speaker 3: money dilemma, which this week is all about setting boundaries
• 1:30
  Speaker 3: and knowing your worth and something that you slid into
• 1:32
  Speaker 3: our dms about what do you do when you want
• 1:35
  Speaker 3: to leave a relationship but you can't financially afford.
• 1:38
  Speaker 1: To do so?
• 1:39
  Speaker 3: Oh, I feel like that is a really good topic
• 1:42
  Speaker 3: to discuss. But before we get into the deep juicy stuff,
• 1:46
  Speaker 3: I need to know how have your weeks been, Jessica.
• 1:49
  Speaker 1: Have you gotten discount Easter eggs?
• 1:50
  Speaker 4: Oh?
• 1:50
  Speaker 5: You know, I was at the shop in the mornings
• 1:54
  Speaker 5: scooping them up, But you know what, half price this
• 1:56
  Speaker 5: year feels like full price last year.
• 1:58
  Speaker 1: So discussing, I'm getting why is that good? Why were
• 2:02
  Speaker 1: they fifteen dollars? Crazy?
• 2:04
  Speaker 5: I opted for baking all my Easter stuff this year
• 2:06
  Speaker 5: because I was just like, no, it's so.
• 2:08
  Speaker 3: Great, actually way better. And yeah, just made these like
• 2:11
  Speaker 3: Easter egg nests with.
• 2:14
  Speaker 1: What are they called the mini eggs?
• 2:16
  Speaker 3: Yep, the mini eggs, but like the conchy mini eggs. Oh,
• 2:19
  Speaker 3: she found them so.
• 2:20
  Speaker 6: Hard, hunt.
• 2:21
  Speaker 5: I had to buy the little individual tidy packets because
• 2:24
  Speaker 5: they were all God, I literally bought like fifteen I
• 2:26
  Speaker 5: was like, I feel like a bad person because I'm
• 2:28
  Speaker 5: taking all.
• 2:28
  Speaker 6: These nicecrew it I need them.
• 2:30
  Speaker 1: Yeah, but then she made it for me, so slaighty.
• 2:33
  Speaker 7: They're just so good and you're so cute, Jessa. It's
• 2:36
  Speaker 7: so sweet of you.
• 2:37
  Speaker 2: Cute.
• 2:38
  Speaker 6: I was your weekend, your Easter really nice?
• 2:41
  Speaker 7: My dad was randomly in Melbourne, so okay nice, Yeah random,
• 2:46
  Speaker 7: So that was a nice just like you know, extra
• 2:50
  Speaker 7: for the weekend. And then yeah, just saw some friends
• 2:53
  Speaker 7: ate a lot of chucky and yeah, having a great
• 2:57
  Speaker 7: time over here.
• 2:58
  Speaker 1: I love that about you.
• 2:59
  Speaker 3: Oh, mine was full of renovations actually, so we've recently
• 3:04
  Speaker 3: finished our bathrooms, which you'll see all over my social
• 3:07
  Speaker 3: media very very soon.
• 3:09
  Speaker 1: But I also decided, and I.
• 3:11
  Speaker 3: Feel like this is this is big, Jess is going
• 3:14
  Speaker 3: to be like I would never I have sacrificed my
• 3:17
  Speaker 3: walking wardrobe to make it my son's bedroom because we
• 3:21
  Speaker 3: have a split level house and upstairs there's one bedroom.
• 3:25
  Speaker 3: There was like a walking wardrobe downstairs were the additional bedrooms.
• 3:30
  Speaker 3: I didn't want Harvey to be like all the way downstairs,
• 3:34
  Speaker 3: like in the night, Like that just didn't fare like,
• 3:37
  Speaker 3: it just didn't feel right. So we have made a
• 3:40
  Speaker 3: very small bedroom upstairs by like knocking out a wall,
• 3:44
  Speaker 3: putting in a new one, and now I just have
• 3:46
  Speaker 3: an Ikea packs wardrobe like it's built into the wall.
• 3:49
  Speaker 3: We've done I would say a pretty good job of it,
• 3:51
  Speaker 3: but we've like built it into the wall as opposed
• 3:54
  Speaker 3: to having a walk in wardrobe. So we've lost a
• 3:56
  Speaker 3: lot of wardrobe space, which I don't think Jess would
• 3:58
  Speaker 3: ever consent to. But it means that Harvey can have
• 4:01
  Speaker 3: his own little bedroom upstairs, like right next to our bedroom.
• 4:04
  Speaker 3: Ye cute just feels right, Yeah that makes any sense.
• 4:09
  Speaker 1: I don't know.
• 4:09
  Speaker 3: I never thought i'd be this needy mum like Beck.
• 4:13
  Speaker 3: I just really didn't see this coming. Like I did
• 4:15
  Speaker 3: not think that I would be the mum that wants
• 4:18
  Speaker 3: to watch their baby on the monitor, like I screen
• 4:21
  Speaker 3: record him sometimes, Like I had this screen recording I
• 4:24
  Speaker 3: can show you later of him playing in his cut.
• 4:26
  Speaker 3: Once he woke up in the morning with one of
• 4:28
  Speaker 3: our cats, the most wholesome thing in the entire world.
• 4:31
  Speaker 3: He goes to sleep, I'm looking at videos and pictures
• 4:33
  Speaker 3: of him on my phone.
• 4:34
  Speaker 1: What that's so cute?
• 4:36
  Speaker 3: Like I can't be trusted And like I used to
• 4:39
  Speaker 3: think that the mums that were doing that I was like, weird, Okay,
• 4:42
  Speaker 3: have some you time, babe.
• 4:43
  Speaker 1: I don't want you time.
• 4:45
  Speaker 3: I want to look at pictures of my baby and
• 4:46
  Speaker 3: cry about how he's so much bigger than he was. Anyway,
• 4:50
  Speaker 3: it's been a very wholesome easter. Obviously, Harvey loved it.
• 4:53
  Speaker 3: I don't think he comprehends it, yees, because he's still
• 4:56
  Speaker 3: a little bit little for it. But he was very excited. Yeah,
• 5:00
  Speaker 3: because there was lots of colorful things and lots of
• 5:02
  Speaker 3: stuff on the ground that you could pick up, and
• 5:04
  Speaker 3: that's very fun. That was my weekend. Also, I've been
• 5:07
  Speaker 3: in the reviews. Do you guys want a five star review?
• 5:10
  Speaker 3: Absolutely before we get there. We did actually get a
• 5:13
  Speaker 3: couple of weeks ago saw this when I was looking
• 5:16
  Speaker 3: a two star review, which is hilarious because apparently, get this.
• 5:20
  Speaker 3: We should not be covering the budget because it's government based,
• 5:24
  Speaker 3: and somebody believes that only get this. Skilled journalists bring
• 5:29
  Speaker 3: a level of rigor and nuance that a lay person
• 5:32
  Speaker 3: might not achieve.
• 5:34
  Speaker 7: Well, Jess's face is like, but what the whole point
• 5:38
  Speaker 7: of this podcast is to make things more accessible to people?
• 5:41
  Speaker 1: I don't please agree that, Like.
• 5:43
  Speaker 5: You know, journalists do an incredible job, and they're so
• 5:46
  Speaker 5: important that they get no point.
• 5:48
  Speaker 6: Do we have a claim to be expert?
• 5:51
  Speaker 1: I actually do claim to be a finance expert.
• 5:54
  Speaker 3: Literally, I claim on a daily basis that I am
• 5:57
  Speaker 3: expert when it comes to finance, because I am.
• 6:01
  Speaker 1: I'm sorry.
• 6:01
  Speaker 3: I just thought it was so funny because obviously, like
• 6:04
  Speaker 3: there are so many beautiful people leaving beautiful reviews, but
• 6:08
  Speaker 3: like this two star one, I just thought was really
• 6:09
  Speaker 3: funny to bring up because I was like, do you
• 6:11
  Speaker 3: really think that I read this and go, yeah, you're right,
• 6:15
  Speaker 3: I wouldn't know how to interpret the budget or talk
• 6:18
  Speaker 3: about anything when it comes to politics.
• 6:21
  Speaker 6: Yeah, I mean, at least it was two stars and
• 6:23
  Speaker 6: not one.
• 6:24
  Speaker 3: Yeah, self aligning also cheers. But on the same page
• 6:30
  Speaker 3: we got another one that was five star. But if
• 6:32
  Speaker 3: you guys also think that maybe we should be covering
• 6:35
  Speaker 3: the budget, I loved covering the budget. I think I
• 6:37
  Speaker 3: was salty about that review because I was like, hold on,
• 6:40
  Speaker 3: I think we deciphered it in a really beautiful way
• 6:42
  Speaker 3: that made a lot of sense to our audience, and
• 6:44
  Speaker 3: we had so many nice messages from people saying I
• 6:47
  Speaker 3: have never engaged in the budget before until your episode,
• 6:50
  Speaker 3: or until your Instagram posts or until I saw you
• 6:53
  Speaker 3: guys like really getting into it and what it means
• 6:55
  Speaker 3: for me.
• 6:56
  Speaker 1: Yeah, I'm going to keep doing that.
• 6:57
  Speaker 3: Sorry, sorry, not sorry, but we got one five stars.
• 7:02
  Speaker 3: It's from Becky. She says, amazing, amazing, amazing. Hi, she's
• 7:06
  Speaker 3: on the Money Team. I just wanted to leave a
• 7:08
  Speaker 3: little review so that you guys know how much I
• 7:10
  Speaker 3: love your podcast. I'm a twenty four year old mum
• 7:13
  Speaker 3: of two toddlers and I need all of the broke tips, advice,
• 7:17
  Speaker 3: support and inspiration I can get. The podcast gives me
• 7:21
  Speaker 3: just that and more. I've started a master's degree in
• 7:24
  Speaker 3: accounting after leaving my healthcare job. As you three have
• 7:28
  Speaker 3: shown me my absolute love for money, numbers and still
• 7:32
  Speaker 3: being able to help people. I have you, guys to
• 7:35
  Speaker 3: thank for opening these doors for me. You three are
• 7:38
  Speaker 3: an absolute dynamic trio. I'm doing God's work for the
• 7:41
  Speaker 3: girlies and you.
• 7:42
  Speaker 1: Are also appreciated. Love you guys so much.
• 7:46
  Speaker 7: Oh my god, that is really beautiful. Congratulations, that's so sweet.
• 7:51
  Speaker 7: We love you, Thank you sweet, Thank you so much. Also,
• 7:55
  Speaker 7: look at this influence.
• 7:57
  Speaker 3: I don't know if you guys think this is as
• 7:59
  Speaker 3: sexy as I do, but more women in finance and accounting. Yeah, yeah,
• 8:04
  Speaker 3: I love to see it so much Like Masters.
• 8:07
  Speaker 7: That's incredible.
• 8:08
  Speaker 3: An icon who runs the World Girls exact. Oh, speaking
• 8:13
  Speaker 3: of the girls, tell me about the Facebook group. What
• 8:16
  Speaker 3: have our friends been up to? One of their favorite
• 8:19
  Speaker 3: money wins of the week.
• 8:20
  Speaker 5: Alrighty, first of this week, I have one from Chow Chow,
• 8:23
  Speaker 5: he said. I was sitting at home last night eating
• 8:25
  Speaker 5: a pint of salted caramel hugan Dos on my couch,
• 8:28
  Speaker 5: watching Netflix with my silly dog in my new apartment,
• 8:32
  Speaker 5: with a manageable mortgage and money in my offset account.
• 8:35
  Speaker 5: My bills are fully paid, my fridge is fully stocked,
• 8:37
  Speaker 5: and I am just loving my life.
• 8:39
  Speaker 7: Wow, my stomach felt really warm.
• 8:41
  Speaker 1: I also huggin us. Oh that I was going. He's
• 8:45
  Speaker 1: just so.
• 8:46
  Speaker 6: Good, gorgeous. I love the positive mind there. You love
• 8:49
  Speaker 6: to see it.
• 8:49
  Speaker 5: And she did give us a dog photo of said dog,
• 8:53
  Speaker 5: Chow Chow Dog.
• 8:55
  Speaker 1: Chow Chow Dog has a chow chow.
• 8:58
  Speaker 6: Oh my goodness, he's so fluffy. Girl. The photoguys he's adorable.
• 9:01
  Speaker 1: Oh my god.
• 9:02
  Speaker 3: Also, just a gentle reminder to the community, if you're
• 9:05
  Speaker 3: going to mention your dog and not give us a picture.
• 9:07
  Speaker 1: We do judge you. Pet taxis due ye.
• 9:10
  Speaker 5: Next of kind of money win from Teresa, who said
• 9:12
  Speaker 5: money win, I'm going to New Zealand for ten days
• 9:14
  Speaker 5: with free accommodation the whole time. Excuse me, how merely
• 9:18
  Speaker 5: by being an excellent friend. I haven't lived there for
• 9:20
  Speaker 5: fifteen plus years, but I still keep in touch with
• 9:23
  Speaker 5: all of my friends there. Some of them might even
• 9:25
  Speaker 5: chat to daily. I love that so much, right, and
• 9:29
  Speaker 5: I love the idea of yeah, staying with a friends cozy,
• 9:32
  Speaker 5: it's kitzy. Next, I've got a money win from Pullack,
• 9:35
  Speaker 5: who said money win. My Dyson vacuum stopped working, so
• 9:38
  Speaker 5: I reached out to Dyson customer support, who suggested I
• 9:41
  Speaker 5: either get a battery change, which would have been one
• 9:43
  Speaker 5: hundred and twenty dollars, or they could offer me twenty
• 9:46
  Speaker 5: five percent on off of a new purchase. I did
• 9:49
  Speaker 5: some research and I found the battery replacement off of
• 9:52
  Speaker 5: Amazon for forty dollars. It had great reviews and it
• 9:55
  Speaker 5: saved me eighty dollars total from what I would have
• 9:58
  Speaker 5: paid at Dyson.
• 10:00
  Speaker 3: That but also props to Dice and for good customer
• 10:03
  Speaker 3: service like they kind of said's out of warranty or
• 10:06
  Speaker 3: oh no, we don't do that, but they offered you
• 10:09
  Speaker 3: a discount on it.
• 10:11
  Speaker 1: That's pretty good, especially off dyce In.
• 10:13
  Speaker 6: Yeah, that's what I was thinking. You could probably stack
• 10:15
  Speaker 6: it with cash back too.
• 10:16
  Speaker 1: Exactly exactly started. That is great.
• 10:20
  Speaker 3: There is good cash back on Dyson as well, like
• 10:23
  Speaker 3: not being sponsored by any of those, but like, whenever
• 10:25
  Speaker 3: I see the cash back on Dyson, I'm like, maybe
• 10:27
  Speaker 3: I do need a new aerrap.
• 10:28
  Speaker 7: I know I don't need a new air rap that
• 10:30
  Speaker 7: you can get like up to twenty percent cash back,
• 10:32
  Speaker 7: which is so good cash back twenty five percent.
• 10:35
  Speaker 3: Maybe I'll just DM them they have like a live
• 10:37
  Speaker 3: chat function and be like, hey guys, I have working
• 10:40
  Speaker 3: dyce In products. But I did see that you released
• 10:43
  Speaker 3: a baby pink air wrap and I find that quite rude. Yeah,
• 10:47
  Speaker 3: get this baby pink and rose gold.
• 10:50
  Speaker 8: Oh anyway I could pretend that you have I can say, well,
• 10:55
  Speaker 8: I actually just think that's really rude because I have
• 10:57
  Speaker 8: a hot pink one and while that is really chic,
• 10:59
  Speaker 8: baby think would suit Jess.
• 11:01
  Speaker 1: Had my aesthetic much better?
• 11:02
  Speaker 6: Yeah you think it's beautiful?
• 11:04
  Speaker 3: Yeah, yeah, I had my hair draps so maybe it's
• 11:06
  Speaker 3: time for my hair drap. It would match my hair
• 11:09
  Speaker 3: dryer which I have in the baby Pink. Well, you've
• 11:11
  Speaker 3: got to have it exactly, say.
• 11:13
  Speaker 6: Set up the customer support chattered.
• 11:15
  Speaker 3: This is why Beck, I have to have my savings
• 11:17
  Speaker 3: at a different bank.
• 11:21
  Speaker 5: Next, I've got a money win from Nicole who said
• 11:23
  Speaker 5: I finally transitioned my old budget to the shees on
• 11:25
  Speaker 5: the money budget, and I've discovered a few places where
• 11:28
  Speaker 5: I could capture some lost savings.
• 11:30
  Speaker 1: Iconic or just love almost like I spent ages building
• 11:33
  Speaker 1: that to work.
• 11:34
  Speaker 6: Imagine.
• 11:35
  Speaker 5: Next, I've got the money win from Ruth, who said
• 11:37
  Speaker 5: she bought a dress she's wondered for ages the secondhand
• 11:40
  Speaker 5: off of Deep Hop. Instead of spending one hundred and
• 11:42
  Speaker 5: ninety dollars to buy it brain new she bought it
• 11:44
  Speaker 5: for sixty two dollars including shipping. And the bonus was
• 11:47
  Speaker 5: it had only.
• 11:47
  Speaker 6: Been worn once.
• 11:48
  Speaker 1: Oh how good is that?
• 11:50
  Speaker 6: I'm loving Deep Hop.
• 11:51
  Speaker 1: Oh my god.
• 11:52
  Speaker 3: I bought a pair of shoes off Deepop. I have
• 11:54
  Speaker 3: them in my car. I will show you them to you.
• 11:57
  Speaker 3: This is going to mean not a lot to Beck,
• 11:59
  Speaker 3: but like it. I bought a pair on Deepop of
• 12:02
  Speaker 3: vintage Manolo Blanets. Oh they cost me delivered eighty dollars,
• 12:08
  Speaker 3: which obviously eighty dollars on a pair of shoes, you
• 12:10
  Speaker 3: might go whatever, but there's like thousand dollar shoes. But
• 12:13
  Speaker 3: they're like a beautiful vintage pair and they had some
• 12:16
  Speaker 3: stains on them, but I cleaned them up and they
• 12:19
  Speaker 3: are perfect and I'm obsessed with them. And they're in
• 12:22
  Speaker 3: like my perfect size, like they're a thirty eight and
• 12:24
  Speaker 3: a half. Amaze, that is right, that's right. Anyway, deepop
• 12:30
  Speaker 3: is giving. Yeah, I got it was so cute, see
• 12:33
  Speaker 3: it was very happy with it. And then lastly this week,
• 12:35
  Speaker 3: I've got money in from Rannon who said she claimed
• 12:38
  Speaker 3: eleven dollars and seventy five cents for her cancer counsel
• 12:41
  Speaker 3: sunscreen through her health insurance.
• 12:42
  Speaker 1: Yes.
• 12:43
  Speaker 7: Good.
• 12:43
  Speaker 5: Just reminded to double check that we're coming towards end
• 12:46
  Speaker 5: of financial year, so claim your things, claim your things,
• 12:49
  Speaker 5: double check what you can claim to you because sunscreen
• 12:51
  Speaker 5: is a great one.
• 12:51
  Speaker 7: Oh I love that for us, and that did for
• 12:54
  Speaker 7: me this week. I was going to make a joke,
• 12:56
  Speaker 7: but it's too late now. Oh is it just give
• 12:58
  Speaker 7: your head too quick?
• 12:59
  Speaker 9: No?
• 13:01
  Speaker 7: It was relating to pet tags, and I was gonna say.
• 13:03
  Speaker 1: Oh, yeah, it's really delayed your that.
• 13:06
  Speaker 7: Sound statements delivery. But anyway, let's move on as quickly
• 13:14
  Speaker 7: as possible. So my broke tips if you'd like to hear,
• 13:17
  Speaker 7: of course, yep. This first one comes from Jock, which
• 13:21
  Speaker 7: is an interesting one. So you know, sometimes you go
• 13:22
  Speaker 7: to like parties or like you have people over and
• 13:25
  Speaker 7: you're like, I'm gonna get some snacks and they've suggested
• 13:28
  Speaker 7: cheesels instead of chips because it looks more impressive and
• 13:33
  Speaker 7: they're often cheaper.
• 13:34
  Speaker 3: I love a cheesel to It reminds me of like
• 13:37
  Speaker 3: a kindergarten party, Like the cheesels. They actually sit right
• 13:40
  Speaker 3: beside the fairy bread and they're across from the party
• 13:43
  Speaker 3: pie and like a little.
• 13:45
  Speaker 1: Plastic what did you used to call them?
• 13:46
  Speaker 3: I don't know, like the cocktail frankfurts, the like little
• 13:48
  Speaker 3: red frank fet Like.
• 13:51
  Speaker 1: No, I'm not actually a.
• 13:54
  Speaker 7: Little boy wiener.
• 13:55
  Speaker 3: So what I used to call them when I was
• 13:57
  Speaker 3: little was little boys, and I just really inappropriate. But
• 14:04
  Speaker 3: like when you were little, you didn't you wouldn't know,
• 14:06
  Speaker 3: you don't know, And then yes, I was trying to
• 14:08
  Speaker 3: say cocktail Frankfurt, Jessica, not weener.
• 14:13
  Speaker 7: Cocktail is just a suggestive yeah, but like.
• 14:16
  Speaker 1: Who doesn't love a little cocktail? Frank Fit.
• 14:19
  Speaker 3: We need the little toothpick though in it with a
• 14:21
  Speaker 3: little flag. We should have a kid's party at work, Conde.
• 14:25
  Speaker 7: I would love that.
• 14:26
  Speaker 1: Do you want what surely you had?
• 14:29
  Speaker 7: Cavanosi?
• 14:30
  Speaker 1: What is Cavanossi?
• 14:32
  Speaker 7: He's basically saying he's just like harder, more gristly, way,
• 14:36
  Speaker 7: less yummy and like you know, long long, like the
• 14:39
  Speaker 7: red twiggs called twiggy sticks. Sorry it must be used
• 14:43
  Speaker 7: other whales thing.
• 14:44
  Speaker 2: I have.
• 14:47
  Speaker 1: Tweaky stick.
• 14:49
  Speaker 10: Hey everyone, editor Sam here, and I was listening to
• 14:52
  Speaker 10: this audio. I heard the girls guess the Cavanossi is
• 14:56
  Speaker 10: twiggy sticks. Knew immediately that if we didn't correct that
• 15:00
  Speaker 10: the dms would blow up with people letting them know.
• 15:02
  Speaker 10: So just want to let everyone know. I've informed them,
• 15:05
  Speaker 10: and they wanted me to let you know that they
• 15:07
  Speaker 10: now know the very specific difference between these meats. Not
• 15:12
  Speaker 10: really sure why we're doing a full sandwich meat conversation,
• 15:15
  Speaker 10: but we are. Let's get back to it.
• 15:18
  Speaker 3: For a second, I thought she was going to go
• 15:20
  Speaker 3: on to explain like Devon, like you know, like the
• 15:22
  Speaker 3: smiley face devon. Oh yes, And you know what, when
• 15:25
  Speaker 3: I was growing up, I used to think I was
• 15:27
  Speaker 3: so hard done by it because so many kids in
• 15:29
  Speaker 3: my class got Devon sandwiches with tomato sauce, and like,
• 15:34
  Speaker 3: I used to trade my mum's sandwiches for those, And
• 15:38
  Speaker 3: in hindsight, like my mom used to bake the bread.
• 15:41
  Speaker 3: My mom used to make like these beautiful salad sandwiches,
• 15:44
  Speaker 3: and I would hate on them so hard for because
• 15:46
  Speaker 3: I'd be like, ill, she puts mail on them and
• 15:49
  Speaker 3: the mayo goes soggy and all they wanted was a
• 15:51
  Speaker 3: Devon and sauce sandwich. Yeah, strasin sauce is what they
• 15:54
  Speaker 3: called it. Yep, jealous.
• 15:57
  Speaker 7: You used to be crazy how everything's got a different
• 15:59
  Speaker 7: name every week go.
• 16:00
  Speaker 4: You know.
• 16:00
  Speaker 1: Yeah, it's like if I say, what's a prima?
• 16:03
  Speaker 6: Like a juice box?
• 16:05
  Speaker 1: But would you call them primus? You call them like,
• 16:07
  Speaker 1: no prima.
• 16:08
  Speaker 3: In my head, I thought of like hem, Yeah, so
• 16:10
  Speaker 3: like at school, we used to call them premias, and
• 16:12
  Speaker 3: I was having this conversation.
• 16:14
  Speaker 1: Brand, wasn't it Yeah yeah yeah, no, definitely different.
• 16:20
  Speaker 2: No.
• 16:21
  Speaker 3: I am glad that we got that whole sideline sorry, God,
• 16:25
  Speaker 3: how did we get there? How did we get to
• 16:27
  Speaker 3: Devin and jess Rickie?
• 16:29
  Speaker 7: Somehow we always end up in the same spot with
• 16:31
  Speaker 7: our broke tip money wins.
• 16:33
  Speaker 1: We really are. And I was gonna say, if you try.
• 16:37
  Speaker 7: And either do what our listener did with the dice
• 16:40
  Speaker 7: and kind of reach out. I just recommend if anything
• 16:43
  Speaker 7: breaks anywhere in the world in something you know, something
• 16:47
  Speaker 7: that you own, let's say your dice and hair app
• 16:48
  Speaker 7: or whatever. Try And I was going to say, market
• 16:51
  Speaker 7: go and market place and look for the parts or
• 16:53
  Speaker 7: google the parts and.
• 16:55
  Speaker 1: Just choose a hand. Deep down you have.
• 16:58
  Speaker 7: My robot vacuum, like the little brushy thing e. I
• 17:02
  Speaker 7: replace those myself. Yes, And some people will be like,
• 17:05
  Speaker 7: I don't understand what's happening here. I'm just gonna get
• 17:06
  Speaker 7: a whole new, brand new one, you know, And so
• 17:09
  Speaker 7: just just try and do that first, or yes, go
• 17:11
  Speaker 7: to customer service. I'm sure there's a cheaper way. If
• 17:14
  Speaker 7: you've bought it once, you shouldn't have to buy it
• 17:16
  Speaker 7: again and again, you.
• 17:17
  Speaker 6: Know what I'm saying.
• 17:18
  Speaker 7: Yes, and oh sorry that one came from Emma. I'm
• 17:22
  Speaker 7: giving you credit where credit is to you and my
• 17:26
  Speaker 7: one for this week is if you can afford it.
• 17:29
  Speaker 7: So just want to like a tiny, little, very very
• 17:31
  Speaker 7: short backstory, you know how I'm saying that I have
• 17:33
  Speaker 7: like a million gym memberships.
• 17:35
  Speaker 1: Do you still have a millionaire?
• 17:36
  Speaker 7: I canceled all of them, I want to know on
• 17:39
  Speaker 7: but I got another one, just one, just one, So
• 17:42
  Speaker 7: it's like all clean. And I was like, you know,
• 17:44
  Speaker 7: signing up, and I realized that this is probably more
• 17:47
  Speaker 7: so if you are in a position of, you know,
• 17:50
  Speaker 7: you have some money to put towards something, which is
• 17:53
  Speaker 7: already a very privileged position to be. And so of course,
• 17:57
  Speaker 7: but as I was signing up, he gave me options
• 17:58
  Speaker 7: or three dollars per week or one hundred dollars a month,
• 18:02
  Speaker 7: or twenty dollars a week if I paid bi annually.
• 18:04
  Speaker 10: Oh yeah.
• 18:04
  Speaker 7: So it just made me realize, like, if you can
• 18:07
  Speaker 7: afford that, try to do I know a lot of
• 18:10
  Speaker 7: just that.
• 18:10
  Speaker 3: It's where money has power, right, Like, that's where I
• 18:14
  Speaker 3: would call that, in the most non offensive way possible,
• 18:17
  Speaker 3: the poor tax. Yes, I agree, And I feel like
• 18:19
  Speaker 3: that is so rude because they're saying, if you've got
• 18:22
  Speaker 3: the cash, will give you an even better deal. Yeah,
• 18:24
  Speaker 3: and I love that, but the people who need the
• 18:26
  Speaker 3: better deal are the ones that don't have heaps of cash,
• 18:28
  Speaker 3: which I think is why it's so important to get
• 18:30
  Speaker 3: on top of our budgeting and our cash flow so
• 18:32
  Speaker 3: that we can seize opportunities like that. Like, how good
• 18:35
  Speaker 3: would it be if you had a heap of cash
• 18:36
  Speaker 3: in like saved, not even heaps, but like enough cash
• 18:40
  Speaker 3: so that you can save cash? Yeah, exactly, it's so
• 18:42
  Speaker 3: frustrating exactly.
• 18:44
  Speaker 7: But even if you like what because legitimately what I'm
• 18:46
  Speaker 7: gonna do is put twenty bucks away every week for
• 18:49
  Speaker 7: six months, Yeah, and then hopefully I'll be able to
• 18:52
  Speaker 7: afford it, because right now obviously it cannot. But I
• 18:54
  Speaker 7: just thought, like, wow, wow, those people really be getting
• 18:57
  Speaker 7: some benefits.
• 19:00
  Speaker 3: Same thing happens with like your life insurance and your
• 19:02
  Speaker 3: car insurance and like all of these other things. They
• 19:05
  Speaker 3: often offer a pretty nice discount to do a lump sum.
• 19:10
  Speaker 7: Yeah, and like rude, I know, but anyway, that broke
• 19:14
  Speaker 7: tip is somewhat depressing, but also just good to know
• 19:17
  Speaker 7: it's actually a good broke tip, Thank you so much.
• 19:19
  Speaker 1: Also, if they.
• 19:20
  Speaker 3: Don't offer that and you have the cash, ask yeah,
• 19:25
  Speaker 3: what if I paid for a year can I get
• 19:26
  Speaker 3: a discount totally?
• 19:28
  Speaker 1: Yeah, do that. I think that's a good one. I
• 19:31
  Speaker 1: love that.
• 19:32
  Speaker 3: All right, Well, how about we go to a really
• 19:34
  Speaker 3: quick break we can talk more about party food and
• 19:36
  Speaker 3: on the flip side, we're going to be talking about
• 19:39
  Speaker 3: setting boundaries and knowing your worth, which is something I
• 19:42
  Speaker 3: am wildly passionate about talking about and something that you
• 19:45
  Speaker 3: slid into our dms about this week. What do you
• 19:48
  Speaker 3: do when you want to leave a relationship but financially
• 19:50
  Speaker 3: you just can't see how that's going to work?
• 19:53
  Speaker 1: Guys, don't go anywhere.
• 19:59
  Speaker 6: Welcome back, everybody. Let's take a listen to this week's
• 20:01
  Speaker 6: money dilemma.
• 20:04
  Speaker 7: Hi.
• 20:04
  Speaker 3: There, have you got a money dilemma you just can't
• 20:07
  Speaker 3: solve The She's on the Money team is here to help.
• 20:10
  Speaker 3: Every week we tackle your dilemmas, both big and small,
• 20:13
  Speaker 3: to answer your most burning money, career and life questions.
• 20:16
  Speaker 3: To get involved, simply head to our website and leave
• 20:19
  Speaker 3: us a short voice recording and you might just find
• 20:21
  Speaker 3: yourself on the show. Now, let's take a listen to
• 20:24
  Speaker 3: this week's money dilemma.
• 20:28
  Speaker 4: Hi, guys, I have a money dilemma with a side
• 20:31
  Speaker 4: hustle that I really should be turning into a business,
• 20:35
  Speaker 4: because I feel that it's gone too far. I work
• 20:39
  Speaker 4: full time in a quite a good paying job, and
• 20:41
  Speaker 4: I also work casually in another quite good paying job, so.
• 20:46
  Speaker 1: My time's quite full.
• 20:47
  Speaker 4: But on the side, I also do a lot of
• 20:49
  Speaker 4: photography and videography work as a hobby. This hobby has
• 20:54
  Speaker 4: really expanded and I've had a lot of people reach
• 20:57
  Speaker 4: out to do their weddings. I've also had local councils
• 21:00
  Speaker 4: reach out to ask me to do events like it's
• 21:03
  Speaker 4: become quite a big thing. My issue is every time
• 21:08
  Speaker 4: I do a large job, so like a full day
• 21:10
  Speaker 4: wedding with videography or like a big event, I can't
• 21:15
  Speaker 4: charge them. I feel really guilty and I let them
• 21:19
  Speaker 4: have the work free, even though I have spent hours
• 21:22
  Speaker 4: doing this. I'm now beginning to hate photography, so I
• 21:27
  Speaker 4: don't know what to do. I don't know how to
• 21:31
  Speaker 4: now start charging or whether this is something I should
• 21:35
  Speaker 4: completely stop and just let this hobby go.
• 21:39
  Speaker 1: Please help.
• 21:40
  Speaker 4: I'm burning myself out in doing this, but I also
• 21:44
  Speaker 4: really struggle to say no.
• 21:46
  Speaker 1: Girl, no stop that I want to get it. I
• 21:49
  Speaker 1: like tap tap tap on your hands, like absolutely not,
• 21:52
  Speaker 1: I get it.
• 21:53
  Speaker 3: I get it, Like I get it too, but like
• 21:55
  Speaker 3: it's not just about knowing your worth, Like people are
• 21:57
  Speaker 3: genuinely taking advantage of you.
• 22:00
  Speaker 1: We know that you're bad at saying no.
• 22:02
  Speaker 4: Yeah.
• 22:03
  Speaker 5: Those industries specifically, like weddings particularly, are known for being
• 22:07
  Speaker 5: really lucrative for photographers and videographers understandably, so it's a
• 22:11
  Speaker 5: lot of hard work and it's judging on that. But
• 22:14
  Speaker 5: like knowing what people pay for wedding photographers and they
• 22:17
  Speaker 5: know as well. If you're saying that those are big organizations,
• 22:21
  Speaker 5: it's not like, oh I did like a shoot for
• 22:23
  Speaker 5: a girlfriend who's starting a brand who maybe didn't know
• 22:26
  Speaker 5: how much photographers get paid, right, yeah, But like you're
• 22:30
  Speaker 5: saying you did big, They've done this before.
• 22:32
  Speaker 1: This ain't their first rodeo.
• 22:34
  Speaker 3: I get so angry about big organizations taking advantage of
• 22:40
  Speaker 3: smaller people. It actually happens so much, And Jess can
• 22:43
  Speaker 3: attest to this in our industry as well, of like
• 22:46
  Speaker 3: people reaching out and expecting that I would speak at
• 22:50
  Speaker 3: events for free, or expecting that I would go on
• 22:53
  Speaker 3: a panel for free when they're selling tickets to that
• 22:56
  Speaker 3: event and making money off it. Like there are so
• 22:59
  Speaker 3: many can you imagine Jesse, if I went public with
• 23:02
  Speaker 3: who takes advantage like, you would be shocked. Obviously I'm
• 23:06
  Speaker 3: not gonna do that, but you would be shocked about
• 23:09
  Speaker 3: the level of audacity that some organizations have and how
• 23:13
  Speaker 3: much power they hold. Like it's often the smaller businesses
• 23:18
  Speaker 3: that are like, oh my god, like how much does
• 23:20
  Speaker 3: it cost to do xyz? Because we'd love the opportunity
• 23:23
  Speaker 3: to work with you. And they're the ones that we're like,
• 23:24
  Speaker 3: hold on your brand new small business like gol We'll
• 23:27
  Speaker 3: do that, you know, for free or for a significant
• 23:29
  Speaker 3: discountel look after you. But like, it's the big business
• 23:32
  Speaker 3: says that take advantage and that kisses me off. I
• 23:36
  Speaker 3: don't think she should stop doing something she loves. We
• 23:38
  Speaker 3: need to flip it, though, into something that you continue
• 23:41
  Speaker 3: to love because you don't like it because it's being
• 23:44
  Speaker 3: associated with being taken advantage of and that's not fun.
• 23:48
  Speaker 1: Beck, what would you do in this situation?
• 23:49
  Speaker 7: Well, I totally totally get this feeling, because obviously I
• 23:54
  Speaker 7: do like little arts and crafts on the side, and
• 23:57
  Speaker 7: when someone asks me for a commissioned piece something that.
• 24:00
  Speaker 3: I did and I tried to pay you for it
• 24:02
  Speaker 3: and you said no, So I don't know what to
• 24:04
  Speaker 3: do about this situation.
• 24:05
  Speaker 7: So well, this is the thing is that if it's commissioned,
• 24:07
  Speaker 7: then it's like someone's giving me an idea and I'm
• 24:09
  Speaker 7: making it and they have no control over how it's
• 24:11
  Speaker 7: going to look. I have no control over whether they'll
• 24:14
  Speaker 7: enjoy it or not. And so in those situations, which
• 24:16
  Speaker 7: is weird because commissioned you expect, in any other situation
• 24:19
  Speaker 7: to be more expensive. Those pieces I do not even
• 24:22
  Speaker 7: charge for because no, I don't know what.
• 24:24
  Speaker 1: I have a back, so I'm still going to pay it.
• 24:27
  Speaker 3: No, they might hate it, I don't know, and so
• 24:30
  Speaker 3: that's I'm not going to hate it. It was made
• 24:31
  Speaker 3: with love by beck That's why it's very sweet.
• 24:34
  Speaker 5: But can you just put a step in the middle
• 24:35
  Speaker 5: in an instance where you're like, oh, I'll draw up
• 24:37
  Speaker 5: a quick sketch so you have an understanding of what
• 24:39
  Speaker 5: it's going to look like.
• 24:40
  Speaker 7: Kind of it it depends on because if it's ceramics,
• 24:42
  Speaker 7: and it depends on like it will look different after
• 24:45
  Speaker 7: both firings and after I've hand molded it, and like
• 24:48
  Speaker 7: there's no telling. So I'm sorry asking for a custom
• 24:51
  Speaker 7: piece based on seeing your previous custom work and enjoying
• 24:55
  Speaker 7: the way you craft things.
• 24:56
  Speaker 1: No, you charge for that, that's true.
• 24:57
  Speaker 7: Well, the thing I've decided to do is just not
• 25:00
  Speaker 7: do and maybe this will help for this person as well.
• 25:03
  Speaker 7: I'm not gonna do commission pieces unless, like you know,
• 25:06
  Speaker 7: it's a friend or something. And I because I actually
• 25:08
  Speaker 7: do enjoy doing it, it's not a problem for me.
• 25:10
  Speaker 7: But what I'm gonna do instead is I'm going to
• 25:12
  Speaker 7: make stuff and then put it online with already a
• 25:15
  Speaker 7: price on it, and then they people pay for it,
• 25:17
  Speaker 7: and then I sell it. Because that way, I can
• 25:19
  Speaker 7: imagine with this person, like they've come in, they've been
• 25:21
  Speaker 7: asked to a job, they come do the job. Afterward,
• 25:24
  Speaker 7: when they're discussing money, it's like, oh, this is really awkward.
• 25:27
  Speaker 7: I don't want to do this. I'm not going to charge.
• 25:28
  Speaker 7: But instead, if you had an option, maybe like an
• 25:30
  Speaker 7: online situation where someone paid in advance, you pay for
• 25:34
  Speaker 7: a let's say like a package where you're like, I
• 25:38
  Speaker 7: send one hundred photos, I take out however many I
• 25:41
  Speaker 7: send you one hundred, I have a thirty second video.
• 25:44
  Speaker 7: You have packages, and you pay for the package in advance,
• 25:48
  Speaker 7: so by the time you go and do the work,
• 25:50
  Speaker 7: everything's being paid for. You don't need to discuss it.
• 25:52
  Speaker 7: You send everything you need. It says a problem after
• 25:55
  Speaker 7: they'll come to you, and then you can be like
• 25:57
  Speaker 7: and the chances of them coming back to you and
• 25:58
  Speaker 7: being like, I have a problem with whatever, then you
• 26:01
  Speaker 7: know the chance is very low. So but if that happens,
• 26:04
  Speaker 7: then you can decide to give fifty percent back or
• 26:06
  Speaker 7: all of the back, or whatever the hell you want
• 26:08
  Speaker 7: to do. But paying an advance and just completely separating
• 26:12
  Speaker 7: yourself from them. It's just a complete stranger on your
• 26:15
  Speaker 7: website deciding to buy something. You get notified someone's paid
• 26:18
  Speaker 7: for a service, then you go forward with the service.
• 26:22
  Speaker 7: That kind of like because I get I really get
• 26:25
  Speaker 7: the feeling of like talking to someone and then be
• 26:26
  Speaker 7: like how much is this and be like.
• 26:28
  Speaker 3: Ah, it's really awkward, am I? And that's where I
• 26:32
  Speaker 3: that's where I think you need to get really clean
• 26:35
  Speaker 3: and clear on your language, and like, this is something
• 26:38
  Speaker 3: that I think Jess is really bloody good at. So yes,
• 26:41
  Speaker 3: let's pretend it's us for a hot second, because it's
• 26:43
  Speaker 3: really good and it does have example right, So let's
• 26:46
  Speaker 3: pretend that we've got a client that we worked with
• 26:49
  Speaker 3: and that's never paid us, and we're like, yeah, cool,
• 26:52
  Speaker 3: we would like to be now paid for the work
• 26:55
  Speaker 3: that we do.
• 26:55
  Speaker 1: How would you approach that? I think?
• 26:58
  Speaker 6: So what we because.
• 26:59
  Speaker 3: Also backtrack for those of you because we've got a
• 27:02
  Speaker 3: lot of new listeners at the moment, which is very cool.
• 27:04
  Speaker 1: Jess.
• 27:04
  Speaker 3: There's also head of Partnerships for she's on the money.
• 27:07
  Speaker 3: So she's not just like the hot girl that's on
• 27:09
  Speaker 3: our podcast, is she like? She's also actually really really
• 27:13
  Speaker 3: smart in this space. So you've come to the right place, guys.
• 27:16
  Speaker 5: Yeah, I think the biggest thing, and this is something
• 27:18
  Speaker 5: you taught me VD, is just operate on the assumption
• 27:21
  Speaker 5: when somebody comes to you, like someone says, hey, I
• 27:23
  Speaker 5: really want to work with you, even though they haven't
• 27:25
  Speaker 5: said it, they want to pay you for your work,
• 27:28
  Speaker 5: because in our minds, we assume that all professionals should
• 27:31
  Speaker 5: be paid for the jobs that they're doing, so because it's.
• 27:33
  Speaker 3: Way more awkward if they have to put on the table. Oh,
• 27:37
  Speaker 3: I just assumed you'd work for free, correct And you go,
• 27:41
  Speaker 3: I don't know why you would have had that assumption
• 27:43
  Speaker 3: as opposed to working on the opposite assumption that they
• 27:46
  Speaker 3: think it's going to be free, and you have to
• 27:47
  Speaker 3: convince them yea, because that is a power play.
• 27:50
  Speaker 1: Yeah.
• 27:51
  Speaker 5: So it's when someone messages you or emails you or
• 27:53
  Speaker 5: whatever it is and says, hey, we really love to
• 27:55
  Speaker 5: work with you. The first thing that you should be
• 27:56
  Speaker 5: doing is sending off your rate card. So what Beck
• 28:00
  Speaker 5: was saying, whether you have individual you know, you might
• 28:02
  Speaker 5: have a day rate, a half day rate, or packages
• 28:04
  Speaker 5: for you know, X amount of photos, x amount of hours, whatever,
• 28:07
  Speaker 5: however you want to set it up, have a think
• 28:09
  Speaker 5: about what you want to charge, look at other people
• 28:11
  Speaker 5: in your industry, put.
• 28:12
  Speaker 3: Together what that looks like for you. Anytime someone inquires
• 28:15
  Speaker 3: with you, you're oh, my goodness, I would love to
• 28:17
  Speaker 3: help you bring your vision to life.
• 28:18
  Speaker 5: This is so exciting. I've attached my rate card. Let
• 28:21
  Speaker 5: me know if you've got any questions, because that then you.
• 28:24
  Speaker 1: Can go from there.
• 28:24
  Speaker 3: You're like putting a line in the sand that these
• 28:27
  Speaker 3: are your expectations.
• 28:28
  Speaker 1: And now these.
• 28:29
  Speaker 3: People have to come back and say, oh, well, we
• 28:32
  Speaker 3: were actually hoping you'd do it for free, or we
• 28:35
  Speaker 3: are we didn't expect that, and that's so fine.
• 28:37
  Speaker 1: But I think it's about updating your language.
• 28:40
  Speaker 3: So if we've done it, for free historically, Like, even
• 28:43
  Speaker 3: if we've done it for free, we can use the
• 28:45
  Speaker 3: language of like, oh, hey, we've actually recently updated our rates. Yeah, yes,
• 28:50
  Speaker 3: my rates before were zero, but now I'm charging for them.
• 28:54
  Speaker 1: I don't have to justify that to you.
• 28:55
  Speaker 3: I do not owe you an explanation on wanting to
• 28:59
  Speaker 3: be paid for work that I'm doing. Like, I don't
• 29:03
  Speaker 3: owe you an explanation. So, hey, our rates have updated recently.
• 29:07
  Speaker 3: I've actually attached them for you. Have a quick look
• 29:09
  Speaker 3: at that, and then once you've got a good idea
• 29:11
  Speaker 3: of what you want to lock in, let me know when.
• 29:13
  Speaker 1: We can have a meeting.
• 29:14
  Speaker 6: Yeah.
• 29:14
  Speaker 5: Correct, And from there you can negotiate, you can do whatever.
• 29:16
  Speaker 5: If you want to offer discounts for friends and family,
• 29:18
  Speaker 5: you can do all those things. But I think it's
• 29:20
  Speaker 5: genuinely just going oh, like, my default is I charge
• 29:23
  Speaker 5: these prices, and my expectation is that anyone contacting me
• 29:27
  Speaker 5: would understand that there's a fee attached, and I'm just
• 29:29
  Speaker 5: letting them know what those fees are one hundred percent.
• 29:31
  Speaker 1: That's really nice.
• 29:32
  Speaker 3: Also, how good is the transparency of letting people know
• 29:36
  Speaker 3: the fees before wasting either of our times on having
• 29:40
  Speaker 3: a conversation, because there's nothing worse right even as me. Like,
• 29:44
  Speaker 3: you know, let's say I am hiring a new photographer
• 29:47
  Speaker 3: and I do this all the time, and you know,
• 29:50
  Speaker 3: I'm engaging the service of somebody in a once off capacity.
• 29:53
  Speaker 3: We're doing a cute Xella money photoshoot, and I want
• 29:56
  Speaker 3: to work with somebody I love when they send the
• 29:58
  Speaker 3: rates first so that I know what to expect, because
• 30:01
  Speaker 3: then I'm not having a whole conversation about me being like, oh,
• 30:04
  Speaker 3: I found you on Instagram and I really liked your
• 30:06
  Speaker 3: work and I really want to work with you. And
• 30:07
  Speaker 3: then the rate comes back at like five times what
• 30:09
  Speaker 3: I had thought it might be, and then I have
• 30:12
  Speaker 3: to go, oh, hey, like that's actually not in budget
• 30:14
  Speaker 3: for us right now, like I've wasted their time, I've
• 30:17
  Speaker 3: wasted my time. If they are giving me the rates upfront,
• 30:20
  Speaker 3: I can go, oh my goodness, I'm brainstorming in my head. Okay,
• 30:22
  Speaker 3: well that fits in budget, and oh I could add
• 30:24
  Speaker 3: in this social aspect, all this, this and this. It's
• 30:27
  Speaker 3: an opportunity for upsell before you've even sold to me. Yeah,
• 30:30
  Speaker 3: Like I'm looking at that and going okay, well that's
• 30:32
  Speaker 3: reasonable and that if it's not within budget. I might
• 30:35
  Speaker 3: go back and be like, hey, Jess, for example, I've
• 30:39
  Speaker 3: had a look at your rate card and unfortunately it
• 30:40
  Speaker 3: doesn't fit within budget. Thank you so much for your time.
• 30:43
  Speaker 3: That's then their opportunity to if they wanted.
• 30:46
  Speaker 1: To offer a discount.
• 30:48
  Speaker 3: But from my perspective, I'm not undervaluing a freelancer or
• 30:52
  Speaker 3: a service provider by saying can you do it cheaper.
• 30:55
  Speaker 3: It's like, there's a reason they have those rates, And
• 30:58
  Speaker 3: if they have those rates, I can promise you they
• 31:00
  Speaker 3: have thought long and hard about what their value is
• 31:03
  Speaker 3: and just because I can't afford it doesn't mean they
• 31:06
  Speaker 3: have to lower their prices to meet my expectations.
• 31:10
  Speaker 6: No, it's actually it's the flip.
• 31:11
  Speaker 5: Really like, if that's what happens when someone comes back
• 31:13
  Speaker 5: and goes, oh, I'm so sorry, I only had Let's
• 31:15
  Speaker 5: say you're going to charge two thousand and they only
• 31:17
  Speaker 5: had one thousand, that's your opportunity to say, okay, four
• 31:20
  Speaker 5: one thousand dollars. I can do xyz and maybe you
• 31:22
  Speaker 5: drop some of the deliverables off, or you take a
• 31:25
  Speaker 5: couple of hours off of the day so ice they're
• 31:27
  Speaker 5: doing a full day, or do a half day or
• 31:28
  Speaker 5: something like that, like that's your chance to then go, Okay,
• 31:31
  Speaker 5: well I we can negotiate this XYZ within your existing budget,
• 31:35
  Speaker 5: because I think the thing for freelancers all of the
• 31:37
  Speaker 5: time is the fear of when you you're scared of
• 31:40
  Speaker 5: putting your rates out there. And I get this as
• 31:42
  Speaker 5: someone who freelances. You're scared of putting your rates out
• 31:45
  Speaker 5: there and then the opportunity going away completely. You're almost like, well,
• 31:48
  Speaker 5: I'd rather to have one hundred dollars than no money
• 31:50
  Speaker 5: at all.
• 31:50
  Speaker 3: But if you're being paid to begin with, I don't
• 31:53
  Speaker 3: think you should be working with those people. To be
• 31:55
  Speaker 3: quite blunt, like, yeah, if you are working with people
• 31:58
  Speaker 3: that you adore but they aren't paying you, and then
• 32:00
  Speaker 3: you put rates on the table and they go away,
• 32:02
  Speaker 3: they were never there for you. They were there because
• 32:04
  Speaker 3: they were able to take advantage of you. They weren't
• 32:07
  Speaker 3: there because they're like, oh, Jess is the best ever
• 32:09
  Speaker 3: there this? Go find your people. Go find clients that
• 32:13
  Speaker 3: actually pay you. Go find people that see value in
• 32:15
  Speaker 3: the work that you have, because right now you're just
• 32:18
  Speaker 3: finding free loaders who are taking advantage of a situation.
• 32:21
  Speaker 1: Let them go find someone else.
• 32:23
  Speaker 5: Yeah, and local councils specifically always have budget allocated of
• 32:26
  Speaker 5: these things they do before.
• 32:29
  Speaker 6: Like they have budget, so like they can afford to
• 32:31
  Speaker 6: pay you.
• 32:32
  Speaker 1: Yeah, one hundred percent.
• 32:33
  Speaker 3: And like if they have decided that they want you
• 32:36
  Speaker 3: and you've put rates on the table, it can be
• 32:38
  Speaker 3: so overwhelming putting your rates out and being like, oh,
• 32:40
  Speaker 3: i'm exper hour, I'm this, or i'm that. You're like
• 32:43
  Speaker 3: what if they come back, if they really want you,
• 32:45
  Speaker 3: they're going to come back and politely explain, I'm so sorry, Jess,
• 32:49
  Speaker 3: we don't have budget, and that's your opportunity to let
• 32:53
  Speaker 3: them know what.
• 32:54
  Speaker 1: That looks like.
• 32:55
  Speaker 3: But then on the flip side, it means that they
• 32:57
  Speaker 3: always see your value, so like that they know that
• 33:00
  Speaker 3: they're getting a significant discount. Like and we always if
• 33:04
  Speaker 3: we're working with a client at a discount, which we
• 33:07
  Speaker 3: do sometimes, we always make sure we articulate why we're
• 33:11
  Speaker 3: doing it, so we're not just like, oh, yeah, we
• 33:12
  Speaker 3: could definitely do it for less. We're like, oh, look
• 33:15
  Speaker 3: we've had it, and we'll taliate to the clients for examples,
• 33:18
  Speaker 3: yeah for example exactly, but we will articulate to them
• 33:22
  Speaker 3: why they are getting a budget discount or whatever it is,
• 33:25
  Speaker 3: because I might go, look, you're a really good brand
• 33:28
  Speaker 3: for my community, and while you don't have budget, I
• 33:31
  Speaker 3: think that they would get a lot of value out
• 33:32
  Speaker 3: of this as well. We clearly don't do this often,
• 33:35
  Speaker 3: but it gives us an opportunity to build the relationship,
• 33:39
  Speaker 3: and they're obviously grateful because it now fits within budget.
• 33:42
  Speaker 3: But then if they revisit us again, like the same rate, supply,
• 33:46
  Speaker 3: I can't always discount my rates, so we're not setting
• 33:50
  Speaker 3: an expectation that now our relationship is worthless, like I'll
• 33:53
  Speaker 3: work for less this time and we'll see how it goes.
• 33:56
  Speaker 1: Because I think that.
• 33:57
  Speaker 3: The community would love it, or I think that this
• 33:59
  Speaker 3: would work really well, and I think going from there.
• 34:01
  Speaker 3: But like, if people are taking advantage of you, they
• 34:03
  Speaker 3: are not your people. They're not good clients, full stop.
• 34:06
  Speaker 1: End of story.
• 34:06
  Speaker 7: Yeah, yeah, start charging for your work.
• 34:09
  Speaker 1: Go on before I actually lose my mind.
• 34:11
  Speaker 3: Guys, we had a DM this week and you know what,
• 34:15
  Speaker 3: this one makes me really sad because there are lots
• 34:18
  Speaker 3: of people in this situation.
• 34:20
  Speaker 1: Would you like to hear it? Yes? Please?
• 34:23
  Speaker 3: High shes on the money. I haven't told anybody this yet.
• 34:26
  Speaker 3: I want to leave my husband, but I don't think
• 34:28
  Speaker 3: I can afford to financially. We've wrapped up debt in
• 34:32
  Speaker 3: both our names over the years, and most of it
• 34:34
  Speaker 3: was from his spending, as it's in both of our names.
• 34:37
  Speaker 3: If I walk away, I still owe Huff. I've run
• 34:40
  Speaker 3: the numbers and between rent bills and my share of debt,
• 34:44
  Speaker 3: I actually don't think I can make this work on
• 34:46
  Speaker 3: my own. I feel completely stuck. I'm trapped in a
• 34:49
  Speaker 3: relationship I don't want to be in because of money.
• 34:52
  Speaker 3: Has anyone else been here? How do you leave when
• 34:55
  Speaker 3: it feels financially impossible.
• 34:58
  Speaker 7: I'm really glad we're talking about this because there's so
• 35:00
  Speaker 7: many people in this situation, and it will always looks
• 35:03
  Speaker 7: so different. In the most ideal world, your husband is
• 35:06
  Speaker 7: a very sweet person and is willing to work with
• 35:09
  Speaker 7: you on this, But in a lot of cases, either
• 35:13
  Speaker 7: they're really hostile, they're not very happy that you want
• 35:15
  Speaker 7: to separate, and they're going to make things very difficult
• 35:17
  Speaker 7: for you, and in really, really really sad cases, they're
• 35:21
  Speaker 7: quite abusive and you feel scared for your life to leave.
• 35:25
  Speaker 1: It's so cooked.
• 35:26
  Speaker 3: It gives me goosebumps talking about this because there are
• 35:28
  Speaker 3: so many women that have approached me over the years
• 35:30
  Speaker 3: in this exact situation, and just I don't want anyone
• 35:34
  Speaker 3: to be in that, Like I want you to have cash,
• 35:37
  Speaker 3: not just so that we can buy cool shiny things.
• 35:40
  Speaker 3: I want you to have cash that you've got choices
• 35:41
  Speaker 3: so you can leave a situation you don't want to
• 35:43
  Speaker 3: be in, whether that is a partner or a workplace,
• 35:47
  Speaker 3: or even just like you're out for the night and
• 35:49
  Speaker 3: you don't want to be anymore and you don't feel
• 35:51
  Speaker 3: safe getting the train home, Like I want you to
• 35:53
  Speaker 3: be able to leave places, and all women deserve that,
• 35:56
  Speaker 3: Like it just, oh my god, Beck, it just upsets.
• 35:59
  Speaker 7: Me totally, and what I immediately think of now, I
• 36:02
  Speaker 7: don't know, I don't know how financially smart this is,
• 36:04
  Speaker 7: but I'm just thinking about like my world and my
• 36:07
  Speaker 7: mom as well. Like luckily for us, we were in
• 36:09
  Speaker 7: a situation where, like you know, we were scared for
• 36:12
  Speaker 7: our lives or scared of being harassed and kind of
• 36:15
  Speaker 7: like chased down for leaving. So we were very lucky
• 36:18
  Speaker 7: in that situation. But the first thing that came to
• 36:20
  Speaker 7: mind was can you maybe if it's wise or possible
• 36:26
  Speaker 7: for you, I would file for bankruptcy. Personally, this is
• 36:28
  Speaker 7: probably not good advice, but I would file for bankruptcy.
• 36:31
  Speaker 1: I would clear that debt.
• 36:32
  Speaker 7: I would get myself a job anywhere I can, and
• 36:34
  Speaker 7: just be like, Okay, I'm starting from zero now, and
• 36:37
  Speaker 7: I'm going to move into a sharehouse, or I'm going
• 36:39
  Speaker 7: to go and look at what resources are available, maybe
• 36:42
  Speaker 7: a what are they called, sorry, the women's shelters. Sorry,
• 36:45
  Speaker 7: that's the word. With or without children? Obviously it's very
• 36:48
  Speaker 7: very difficult, but without I'm thinking as long as you're
• 36:50
  Speaker 7: kind of like starting from scratch, I'm also assuming there
• 36:53
  Speaker 7: are not sources available, friends, family, things like that, just
• 36:56
  Speaker 7: in case, so shelters. Personally, i'd file for bankruptcy. I
• 36:59
  Speaker 7: don't know about you, guys, because I'm like, I'm trying
• 37:03
  Speaker 7: to leave a situation and I can't afford to it,
• 37:05
  Speaker 7: literally cannot afford to do that. And so I'm finding
• 37:09
  Speaker 7: as cheap and as affordable housing as I can. I'm
• 37:12
  Speaker 7: getting any job that I can. My priority right now
• 37:16
  Speaker 7: is not to get on top of my debt and
• 37:18
  Speaker 7: get on top of my finances and make sure I've
• 37:20
  Speaker 7: got an emergency fund. As not my worry right now.
• 37:23
  Speaker 7: My worry is feeding myself, finding housing starting from there,
• 37:27
  Speaker 7: and then going wherever the hell you can. But yes,
• 37:30
  Speaker 7: that's my advice. I don't know if you guys are
• 37:34
  Speaker 7: on the bankruptcy train with me.
• 37:36
  Speaker 1: It does. It depends how much debt.
• 37:38
  Speaker 3: It depends how much how much debt because bankruptcy, while
• 37:41
  Speaker 3: I know you've spoken publicly about having utilized that yourself,
• 37:45
  Speaker 3: you were in so much debt that you weren't going
• 37:47
  Speaker 3: to get out of it. Like you know, bankruptcy stays
• 37:50
  Speaker 3: on your record for seven years, and there's a lot
• 37:52
  Speaker 3: of stuff that like a lot of criteria that you
• 37:55
  Speaker 3: need to meet during that period of time, right and
• 37:57
  Speaker 3: like you've like is the word struggled or you've you've
• 38:00
  Speaker 3: dealt with this over the last yeah, six or seven years,
• 38:02
  Speaker 3: like your phone plan.
• 38:04
  Speaker 7: Yeah, And I do want to say, like for context
• 38:06
  Speaker 7: and just so this person knows, I don't think it
• 38:09
  Speaker 7: has affected me at all. But I also haven't needed
• 38:11
  Speaker 7: to get a home loan or anything like that. But
• 38:13
  Speaker 7: right now I am able to get everything because it's.
• 38:16
  Speaker 3: It was tweet if it's like thousands and thousands, or
• 38:19
  Speaker 3: if it's like two thousand dollars worth of debt at
• 38:21
  Speaker 3: this point and like it's a good option, but I
• 38:24
  Speaker 3: think from my perspective, it wouldn't be the first Porto call, Like,
• 38:29
  Speaker 3: I want you to make a plan and see what
• 38:31
  Speaker 3: we can do with outgoing bankrupt because I literally run
• 38:35
  Speaker 3: a mortgage broking business. I have seen women come out
• 38:37
  Speaker 3: of these situations and in two years flip their entire
• 38:41
  Speaker 3: situation and own their own home. And like, I don't
• 38:43
  Speaker 3: want anybody to have to wait because of a situation
• 38:47
  Speaker 3: they were in. I think for you it made a
• 38:49
  Speaker 3: lot of sense. And like there are and we've done
• 38:51
  Speaker 3: podcasts on bankruptcy. Maybe we'll link them in the show
• 38:54
  Speaker 3: notes as well. But there are so many situations where
• 38:58
  Speaker 3: bankruptcy is the perfect bit like clean slate for somebody,
• 39:02
  Speaker 3: like it just wipes everything. It is actually sometimes so
• 39:07
  Speaker 3: empowering to go, you know what, I'm going to surrender
• 39:09
  Speaker 3: to this, wipe me clean. I know that there are
• 39:13
  Speaker 3: like rules and regulations and whatever that I'm going to
• 39:15
  Speaker 3: have to abide by, but that is so much better
• 39:18
  Speaker 3: than the fifty plus years it probably would have taken
• 39:20
  Speaker 3: me to get out of that debt. And I can
• 39:22
  Speaker 3: just start building well for on my own and taking
• 39:25
  Speaker 3: my power back. I adore that, but like, let's look
• 39:28
  Speaker 3: at all our options that can be one of them
• 39:31
  Speaker 3: and make the decision that makes sense for our situation.
• 39:33
  Speaker 1: If that is fair, ess what would you be doing?
• 39:36
  Speaker 5: I'm not sure if how Lis is only sorry, it
• 39:38
  Speaker 5: sounds like maybe you have, but if you haven't running
• 39:41
  Speaker 5: a full budget of what you would need to pay
• 39:42
  Speaker 5: to exist on your own, because obviously, as you're kind
• 39:45
  Speaker 5: of getting out, in addition to taking on your debt,
• 39:46
  Speaker 5: repayments and stuff, you're going to be no longer splitting
• 39:50
  Speaker 5: costs that historically you probably were, like the cost of.
• 39:52
  Speaker 6: Food, your electricity, you're housing.
• 39:55
  Speaker 5: So put together a budget, figure out what that housing
• 39:57
  Speaker 5: situation looks like. Are you looking at shelters, are you
• 40:00
  Speaker 5: looking to share house? Have you got somebody you can
• 40:02
  Speaker 5: move in with? How long will that term be for?
• 40:04
  Speaker 5: Run your numbers, figure out what you need to live on,
• 40:07
  Speaker 5: figure out what the deficity is, and then go, Okay,
• 40:10
  Speaker 5: do I need to get a second job? You know,
• 40:12
  Speaker 5: it's no one wants to do that, but as someone
• 40:15
  Speaker 5: who works two jobs for the majority of their working life,
• 40:18
  Speaker 5: it's doable.
• 40:19
  Speaker 2: You know.
• 40:20
  Speaker 5: It's sometimes we have to sacrifice short term to put
• 40:23
  Speaker 5: ourselves in a good position long term. So whatever hold,
• 40:25
  Speaker 5: whatever job you've got now, can you waitress in the
• 40:27
  Speaker 5: evenings or on the weekends, can you bartend? Can you
• 40:30
  Speaker 5: do some kind of shift work, warehousing. There's a lot
• 40:33
  Speaker 5: of options out there. It is hard, like I'm not
• 40:36
  Speaker 5: going to lie to you, but it is better than
• 40:38
  Speaker 5: being in a situation that you don't want to be in.
• 40:40
  Speaker 5: Once you've got an idea of your numbers, I would
• 40:42
  Speaker 5: also be calling our friends in the National Debt Help
• 40:45
  Speaker 5: Line they are to spread.
• 40:46
  Speaker 1: About them out. Yes, absolutely, they're a great resource.
• 40:49
  Speaker 5: They have access to financial counselors. They'll be able to
• 40:51
  Speaker 5: be financial counselors, and they will be able to help
• 40:55
  Speaker 5: you come up with a plan. They have access to
• 40:57
  Speaker 5: a lot of resources. They're well versed in all the
• 41:00
  Speaker 5: support programs that are available. You know that our government
• 41:03
  Speaker 5: assistance programs for people who are leaving hard situations. Again,
• 41:07
  Speaker 5: we don't really know exactly what your situation looks like,
• 41:10
  Speaker 5: but if those resources are needed, they will be able
• 41:12
  Speaker 5: to point you in the right direction. So have a
• 41:14
  Speaker 5: chat to them because they will be able to kind
• 41:16
  Speaker 5: of table for you what all the options are. It
• 41:18
  Speaker 5: will likely include bankruptcy as an option. It might include,
• 41:22
  Speaker 5: you know, consolidating your debt. They will be able to
• 41:24
  Speaker 5: talk you through all the different things having looked at
• 41:27
  Speaker 5: your situation holistically, because obviously, where we've just got a
• 41:30
  Speaker 5: DM to go off of, we we can only provide
• 41:33
  Speaker 5: very generalized insite. So I think having someone look at
• 41:36
  Speaker 5: your situation in depth and provide you all of your
• 41:39
  Speaker 5: options will probably be really empowering for you to help
• 41:42
  Speaker 5: you see what the right move is. So I would
• 41:45
  Speaker 5: be having a chat to them and yeah, I would
• 41:47
  Speaker 5: really just be running your numbers and seeing, Okay, well
• 41:50
  Speaker 5: how much money do I need to make and what
• 41:51
  Speaker 5: can I do to make that happen? Because it is
• 41:54
  Speaker 5: a short term thing. We've said before, living by yourself
• 41:58
  Speaker 5: is far more expensive than living with a cup. That's
• 42:00
  Speaker 5: unfortunately just the reality of it. But there are lots
• 42:03
  Speaker 5: of things that you can do to lessen that burden,
• 42:05
  Speaker 5: like share housing and things like that too.
• 42:07
  Speaker 7: Yes, also sendlink is also a really good option. Also,
• 42:09
  Speaker 7: if you're on sendlink for a certain amount of time,
• 42:12
  Speaker 7: you can claim financial hardship. It's a whole thing.
• 42:14
  Speaker 3: Maybe just Google yah literally can get in touch with
• 42:17
  Speaker 3: the National Debt Helpline. They are incredible and They're not
• 42:21
  Speaker 3: just for people who are up Chip Creek without a paddle.
• 42:25
  Speaker 3: I think so many times you think you can't call
• 42:27
  Speaker 3: these services because your situation isn't bad enough for that,
• 42:30
  Speaker 3: you aren't as in need just call like because they'll
• 42:34
  Speaker 3: let you know and be like, oh, actually you're fine,
• 42:37
  Speaker 3: and maybe that's the validation you need to leave, Like
• 42:40
  Speaker 3: you might be not budgeting correctly and they can like
• 42:43
  Speaker 3: tweak a few things and then you're on in your.
• 42:45
  Speaker 1: Way, right.
• 42:46
  Speaker 3: Yeah, But I think that the other thing I want
• 42:48
  Speaker 3: to say is one eight hundred. Respect is a really
• 42:51
  Speaker 3: fantastic resource that again is underutilized because so many times
• 42:56
  Speaker 3: you think, oh, I have to be in a super
• 42:58
  Speaker 3: abusive relationship or I have to be in these like
• 43:01
  Speaker 3: really really bad situations to reach out. But you could
• 43:04
  Speaker 3: pick up the phone and they can give you the
• 43:06
  Speaker 3: emotional support you need, a little bit of guidance, like
• 43:09
  Speaker 3: some resources that are going to point you in the
• 43:11
  Speaker 3: right direction and on the right path. And then also
• 43:16
  Speaker 3: it takes a village, so like you've obviously sat down
• 43:19
  Speaker 3: and done all of the numbers and you're just like
• 43:21
  Speaker 3: probably in your own head about the plans and what's
• 43:24
  Speaker 3: going on. Sometimes we need to reach out sometimes we
• 43:29
  Speaker 3: need to get in contact with these resources. I'm not
• 43:32
  Speaker 3: saying you have to tell your friends and family. And
• 43:34
  Speaker 3: I feel so privileged to have seen this DM coming
• 43:37
  Speaker 3: through because you've just told me. I haven't told anybody,
• 43:39
  Speaker 3: but I think I'm going to leave my husband. Thank
• 43:42
  Speaker 3: you for trusting us with that. Like, I want to
• 43:45
  Speaker 3: know that you are safe and well and on the
• 43:47
  Speaker 3: right path. But the best way to do that is
• 43:50
  Speaker 3: to literally reach out to some professionals and be like, look,
• 43:53
  Speaker 3: I really want to leave my husband, and I have
• 43:56
  Speaker 3: done all the budget and I don't think it's going
• 43:58
  Speaker 3: to be possible, and they're going to go, Okay, sit down,
• 44:00
  Speaker 3: sit down.
• 44:01
  Speaker 1: What we can do is and they're.
• 44:03
  Speaker 3: Going to be able to lean on different resources and
• 44:05
  Speaker 3: work out what you're eligible for, and just they're there
• 44:08
  Speaker 3: to help you. They aren't there for the worst of
• 44:11
  Speaker 3: the worst situations. They absolutely are, but like they're also
• 44:14
  Speaker 3: there for you. So we're going to put those resources
• 44:16
  Speaker 3: in the show notes, and I'm hoping that you know,
• 44:20
  Speaker 3: you take us up on those because they are literally
• 44:23
  Speaker 3: beautiful people. We also asked the community, so we said,
• 44:26
  Speaker 3: what would you guys do if you are our community? Member,
• 44:30
  Speaker 3: sixty eight percent of you said I'm going to start
• 44:32
  Speaker 3: planning for a secret financial exit, sixteen percent of you
• 44:36
  Speaker 3: said I'm going to leave even if it means struggling,
• 44:39
  Speaker 3: fifteen percent said I honestly don't know what to do,
• 44:42
  Speaker 3: and then one percent said I'm actually just going to
• 44:44
  Speaker 3: stay to share the financial load.
• 44:47
  Speaker 5: It's horrible that people find themselves in a situation where
• 44:49
  Speaker 5: they feel that they have to do that.
• 44:51
  Speaker 1: Yeah.
• 44:52
  Speaker 3: We then asked, have you ever felt stuck in a
• 44:54
  Speaker 3: relationship because of money? Fifty three percent of you, thank god,
• 44:58
  Speaker 3: said no. Luckily, twenty eight percent of you said no,
• 45:02
  Speaker 3: but I've seen it all around me. Thirteen percent of
• 45:05
  Speaker 3: you said yes and I left, and six percent of
• 45:08
  Speaker 3: you said, yep, I'm still there. So then we said
• 45:10
  Speaker 3: we want you two cents, like, what advice have you
• 45:13
  Speaker 3: got for our listener? What advice have you got for
• 45:15
  Speaker 3: our community member? First person said, legal advice is the
• 45:19
  Speaker 3: best step here. Often the debt isn't actually split evenly,
• 45:23
  Speaker 3: as overall it may not be fifty to fifty, and
• 45:25
  Speaker 3: it can be allocated more to your partner.
• 45:27
  Speaker 1: It's a great point.
• 45:28
  Speaker 3: Well, I think it's a really good point as well, because,
• 45:30
  Speaker 3: like you're just operating under the assumption. Well, both of
• 45:33
  Speaker 3: our names are on it.
• 45:34
  Speaker 1: It is my debt.
• 45:35
  Speaker 3: Like that doesn't mean it can't be negotiated to go,
• 45:38
  Speaker 3: hey mate, yes, we're getting a divorce. Obviously financially, we've
• 45:42
  Speaker 3: wracked up heaps of credit card debt. It actually was
• 45:45
  Speaker 3: all you and not me, and I want to leave
• 45:47
  Speaker 3: this relationship cleanly, like obviously might not be as clean
• 45:50
  Speaker 3: as this, But they go, yeah, no worries.
• 45:53
  Speaker 5: Or can you sell some the asset, Like if he's
• 45:55
  Speaker 5: brought a boat, great, like either you take on the
• 45:57
  Speaker 5: debt or selling the boat, you know.
• 45:58
  Speaker 1: Things like that.
• 45:59
  Speaker 3: Yeah, like filing for bankruptcy would impact him as well
• 46:03
  Speaker 3: in this situation, so like there might be some ting
• 46:06
  Speaker 3: and throwing. And if you talk to the National Debt
• 46:08
  Speaker 3: Helpline they can give you options on what that might
• 46:10
  Speaker 3: actually look like.
• 46:12
  Speaker 1: Someone else said, I've been there, Please call the National
• 46:15
  Speaker 1: Debt Hotline. They were awesome.
• 46:18
  Speaker 3: Someone else said, what you said, Beck, go to sentling
• 46:20
  Speaker 3: and see what you might be entitled to.
• 46:22
  Speaker 2: Mm hmm.
• 46:22
  Speaker 3: Another person didla a three parter. So first was this
• 46:26
  Speaker 3: was me I left with debt as our credit card
• 46:30
  Speaker 3: was in my name. I sold our unit at a loss.
• 46:33
  Speaker 3: I have regrets as I wish I bought the unit,
• 46:35
  Speaker 3: but don't regret leaving him for a minute. That was
• 46:38
  Speaker 3: the best decision ever. Now, thirteen years later, I am
• 46:41
  Speaker 3: in a great financial position with a fantastic husband and father.
• 46:46
  Speaker 3: Isn't that so cute? Someone else said, can you safely
• 46:50
  Speaker 3: be honest with him? If not, can you lean on
• 46:53
  Speaker 3: your support system, Like can you sit down and have
• 46:55
  Speaker 3: a chat, because obviously he doesn't know yet. Someone said,
• 46:59
  Speaker 3: stayid with someone eight months un till he paid me
• 47:02
  Speaker 3: back the fifteen thousand dollars I lent him and then
• 47:04
  Speaker 3: I left.
• 47:05
  Speaker 1: I mean, as you should, absolutely, but like.
• 47:08
  Speaker 3: They should be paying it back, not be stuck in
• 47:11
  Speaker 3: a relationship with you, Like if money is owed, money
• 47:13
  Speaker 3: is owed.
• 47:14
  Speaker 1: And then I've got two more. Someone said, leave your husband.
• 47:17
  Speaker 3: You're going to be better off financially, mentally and emotionally.
• 47:21
  Speaker 2: We know.
• 47:22
  Speaker 3: And then the last one is my friend tried creating
• 47:24
  Speaker 3: a plan, but he continued to increase the debt. You
• 47:28
  Speaker 3: actually just need to get help now and leave, yes,
• 47:31
  Speaker 3: because like otherwise it might just compound, like he might
• 47:34
  Speaker 3: just get more spend ye, And I mean we know
• 47:36
  Speaker 3: that if you're not happy and in a relationship spending
• 47:40
  Speaker 3: my increase and budgets aren't stuck to like.
• 47:43
  Speaker 7: That is a really tricky one, but I do hope
• 47:45
  Speaker 7: this is okay. Please keep us updated if you have
• 47:47
  Speaker 7: any questions about the bankruptcy thing. I almost got done
• 47:50
  Speaker 7: by someone who was like, I'll pay me x amount
• 47:53
  Speaker 7: of money and I'll do your bankruptcy. You can do
• 47:54
  Speaker 7: it for free by yourself. Let me know if you
• 47:56
  Speaker 7: need any help with that, and we'll.
• 47:58
  Speaker 5: Put all the links to all the recent as we're
• 48:00
  Speaker 5: trying to hundred for anyone you know might need them.
• 48:03
  Speaker 5: There's some really great organizations out there that can help
• 48:06
  Speaker 5: you get.
• 48:07
  Speaker 1: One hundred percent.
• 48:07
  Speaker 3: Well that's all from us today, guys. We will see
• 48:11
  Speaker 3: you next week. I've got a money diary brighton early
• 48:13
  Speaker 3: on Monday morning for you.
• 48:14
  Speaker 1: But have the best weekend, by guys.
• 48:16
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• 48:25
  Speaker 3: general in nature and does not consider your individual circumstances.
• 48:29
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• 48:36
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• 48:38
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