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Credit Where Credit's Due · She's On The Money

0:00
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
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Speaker 1: we get started on She's on the Money podcast, I
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Speaker 1: would like to acknowledge the traditional custodians of the land
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Speaker 1: of which this podcast is recorded on a wondery country,
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Speaker 1: acknowledging the elders, the ancestors and the next generation coming
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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
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Speaker 1: and the storytelling of you to make a difference for
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Speaker 1: today and lasting impact for tomorrow.
0:33
Speaker 2: Let's get into it.
0:34
Speaker 3: She's on the Money. She's on the Money.
0:57
Speaker 4: Hello, and welcome to She's on the Money, the podcast
1:00
Speaker 4: for millennials who want financial freedom. My friends, today is Friday,
1:05
Speaker 4: which means we're getting the team together, not the whole team.
1:09
Speaker 5: But you heard that voice.
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Speaker 4: Miss Jessica Ricci is back, but we are here to
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Speaker 4: celebrate you our incredible She's on the Money community today,
1:17
Speaker 4: Miss jess g Ricci is back sharing her favorite money
1:20
Speaker 4: wins from the community.
1:22
Speaker 5: Beck has a few sneaky broke tips.
1:24
Speaker 4: Which she hasn't sold us on, but like any broke tip,
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Speaker 4: will take it at this point in time, Beck like,
1:29
Speaker 4: we're in a cost of living crisis.
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Speaker 5: We need whatever we can get.
1:33
Speaker 4: We're gonna be helping to answer a juicy money dilemma,
1:35
Speaker 4: which this week is all about the impact of work
1:38
Speaker 4: credit card.
1:39
Speaker 5: Can have on your personal credit score.
1:41
Speaker 4: And we're going to be unpacking something that you slid
1:43
Speaker 4: into our DMS about which this week we're chatting about
1:45
Speaker 4: being financially taken advantage of in a new relationship.
1:50
Speaker 5: Spicy juicy. Let's get into catching up though, Jess, how
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Speaker 5: was Japan?
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Speaker 2: My god? I loved it? Everyone was so nice. I
2:00
Speaker 2: speak about three words of Japanese, but everyone was so
2:03
Speaker 2: just kind in finding a way to understand or communicate
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Speaker 2: with us. And everything was so cheap. I can believe
2:10
Speaker 2: how cheap it was once I'm.
2:11
Speaker 5: In a committed relationship. Now is seven eleven? Oh my god?
2:17
Speaker 2: Like the next level?
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Speaker 6: Good?
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Speaker 2: If seven eleven here? If you're listening, we love you
2:21
Speaker 2: guys already, but you could be better.
2:23
Speaker 4: You're like, I am now a seven eleven ambassador, and
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Speaker 4: Jess is like, you can do better.
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Speaker 7: What's your favorite Japanese seven eleven product?
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Speaker 2: I can't pick what, so they do the honor Geary
2:34
Speaker 2: the honor Uri was really good.
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Speaker 5: Yeah, you talked about that a lot.
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Speaker 2: The karag they do, like predrat the things.
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Speaker 5: I really believe that seven eleven in Japan does fried chicken.
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Speaker 2: Yeah. And the crazy thing is is you can go
2:44
Speaker 2: to seven eleven in Japan and get a wholesome, well
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Speaker 2: made meal, like there is a whole like noodle dishes,
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Speaker 2: fish dishes, rice dishes, like there are all of these
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Speaker 2: pre made things that if I lived here, when I'm
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Speaker 2: running late for somewhere, if I've had a big day
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Speaker 2: and i want something quick and easy all the time,
2:59
Speaker 2: I'm like, oh, I just go to my gus.
3:01
Speaker 6: Yeah.
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Speaker 2: Whereas if there was that option at our like so well,
3:05
Speaker 2: literally and everything is really affordable. They do like little
3:09
Speaker 2: packets of candy. You're a dollar a dollar, yeah, or
3:12
Speaker 2: a dollar a dollar day. It's crazy how cheap it is.
3:15
Speaker 2: You can make your own iced coffee, you can make smoothie.
3:18
Speaker 5: You were saying when you got back. The meals that
3:20
Speaker 5: you just mentioned were like five bucks each, right, so cheap.
3:23
Speaker 2: And even when we went out to eat at restaurants
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Speaker 2: and stuff, it average like maybe fifteen dollars a person
3:28
Speaker 2: like for like really big generous well made meals. It
3:32
Speaker 2: wass so phenomenal. The culture was amazing.
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Speaker 5: I just thought the Japan would be a money weed.
3:36
Speaker 2: That's what I thought too. I would highly recommend it
3:39
Speaker 2: to anyone who wants to go. I loved it.
3:41
Speaker 4: I'm so envious because I have never had Japan as
3:45
Speaker 4: somewhere to I guess go on holiday. I've always been like, oh,
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Speaker 4: I really want to go, obviously, like tree blossom season
3:52
Speaker 4: looks beautiful, and like I'm a snow bunny, so I
3:55
Speaker 4: really want to go to the snow over there.
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Speaker 5: However, I've always been like, yep, like I'll go. Do
3:59
Speaker 5: Europe go this that?
4:00
Speaker 4: The other Everyone that comes back from Japan is like
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Speaker 4: I would go again. I'm going to put it on
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Speaker 4: my list of places that Steve and I go.
4:08
Speaker 8: Do you reckon?
4:08
Speaker 5: I can take a baby? Is a baby friendly? Do
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Speaker 5: you reckon?
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Speaker 2: Jess? I reckon for sure? And I don't reckon. People
4:12
Speaker 2: would be like happy to go out of their way
4:14
Speaker 2: to accommodate you.
4:15
Speaker 5: They don't even have to. They just have to not
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Speaker 5: kick me out of the rest.
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Speaker 6: That's all.
4:20
Speaker 5: I asked, really really low bar to ask. So you
4:23
Speaker 5: loved Japan?
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Speaker 2: Loved it? But I missed you.
4:25
Speaker 5: Guys. We missed you too.
4:27
Speaker 4: We just spent well a few episodes just talking absolute
4:30
Speaker 4: smack about you.
4:31
Speaker 5: So, Beck, how's your.
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Speaker 7: Week been well going after that? It's been very normal.
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Speaker 7: I didn't go to Japan.
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Speaker 5: Oh, I'm so sorry.
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Speaker 8: No, it was a really, really lovely week.
4:43
Speaker 7: The weather has been beautiful, and yeah, I've just I
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Speaker 7: feel like I've been busy but doing nothing super exciting.
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Speaker 8: So that's me in a nutshell love it? What about you?
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Speaker 5: No, that's the same as me. Same as me.
4:55
Speaker 4: Everyone had these big I guess grand flannel plans over
4:58
Speaker 4: last weekend and I just stayed in bed, like, went
5:02
Speaker 4: to the beach with my family, had a few glasses
5:05
Speaker 4: of non alcoholic sparkling.
5:07
Speaker 1: Yeah.
5:07
Speaker 4: It was honestly so chill and so needed. I did
5:11
Speaker 4: get gifted a few baby things. Oh, my influencer status
5:14
Speaker 4: is paying off, guys. Finally the baby carrier I want
5:18
Speaker 4: got gifted to me.
5:19
Speaker 5: Wow, and I put my cat in.
5:21
Speaker 2: It, hue. Yep.
5:22
Speaker 5: So that was basically the highlight.
5:24
Speaker 2: Of my week. Something else exciting happened this week.
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Speaker 5: Too, Oh yeah, Oh, completely forgot that one.
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Speaker 4: On Tuesday, my third book Property buy Shees on the
5:32
Speaker 4: money came out. Oh my god, yeah, I forgot Yeah, congratulations.
5:37
Speaker 2: Yeah.
5:37
Speaker 4: Imagine if it was the day that I was recording
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Speaker 4: this and I only just remembered it was my book
5:40
Speaker 4: launch day.
5:43
Speaker 5: WHOA, that would be embarrassing. Glad that didn't happen.
5:46
Speaker 2: It's so exciting to see so many people getting their
5:48
Speaker 2: copies and being really pumped. And you know, so many
5:51
Speaker 2: people have been popping the three of the books together
5:53
Speaker 2: and they look so horrible.
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Speaker 4: Most like, we picked those colors, yes, so that they
5:58
Speaker 4: looked cute together on a books.
6:00
Speaker 2: Yeah, we got you girls, the Booktop Girlies, the girls,
6:02
Speaker 2: you get to get it.
6:03
Speaker 5: Yeah.
6:04
Speaker 4: And for the Booktop Girlies, all of the spines line up,
6:07
Speaker 4: all of the like headings line up, like everything that
6:10
Speaker 4: was good together.
6:11
Speaker 5: We made sure.
6:11
Speaker 4: That's very very important to me. But yeah, that happened
6:15
Speaker 4: this week. But to be honest, the cat and the
6:16
Speaker 4: baby carrier probably trumps it.
6:19
Speaker 5: Be honest, Let's be honest.
6:21
Speaker 4: This is not about us though, nor is it about
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Speaker 4: my cat Bailey in a baby carrier.
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Speaker 5: It is actually about the community. So Jess, I gotta it.
6:27
Speaker 4: Chi, Can you let us know what money wins you've
6:30
Speaker 4: pulled from the community.
6:31
Speaker 5: This week to share.
6:32
Speaker 2: Absolutely my first money when this week comes from Hailey,
6:35
Speaker 2: who said I was in Bali last week and I
6:37
Speaker 2: turned on my rooming for about fifteen minutes. Three hours later,
6:40
Speaker 2: I received the warning text messages from Optus stating that
6:43
Speaker 2: I had used fifty dollars, then one hundred dollars all
6:47
Speaker 2: the way up to seven hundred and fifty dollars in
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Speaker 2: charges over my plans STARTA. I was obviously devastated, especially
6:53
Speaker 2: because I was only using my phone because I was
6:55
Speaker 2: waiting for what turned out to be a proposal surprise.
7:00
Speaker 2: Disputed it with Optus and they credited the seven hundred
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Speaker 2: and fifty dollars, and they also had a great customer
7:04
Speaker 2: service during the process.
7:06
Speaker 5: And you got why you got engaged? Why why not
7:09
Speaker 5: more on this? What the heck?
7:11
Speaker 8: Sorry, I screamed before.
7:13
Speaker 5: Remember the time I did that in Dubai.
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Speaker 2: Yess oh my god.
7:16
Speaker 5: Yes, it was so bad, not a time.
7:19
Speaker 4: So like the phone plan that I had, I made
7:21
Speaker 4: sure it had roaming, so I was like, no, guys,
7:24
Speaker 4: like I have checked unequivocally, I have five.
7:26
Speaker 5: Dollars a day roaming. This is why I'm with this plant.
7:29
Speaker 4: It makes sense right above and beyond like I literally
7:33
Speaker 4: did my research. What I didn't do my research on
7:36
Speaker 4: was if you turn your phone on while you're in
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Speaker 4: Dubai even though you're on your way to.
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Speaker 5: Europe, doesn't count.
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Speaker 4: Doesn't count because Dubai was not included. And how much
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Speaker 4: did we rack up? Like fifteen hundred dollars? I said
7:47
Speaker 4: to everybody, I was like, don't worry, I've got roaming
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Speaker 4: five dollars a day using my pre intersting data. Jess,
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Speaker 4: you tether Beck, you tell everybody tethered my phone.
7:55
Speaker 5: Use my data in our stopover.
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Speaker 4: I think we spent like maybe because Dubai's are not cheap,
8:01
Speaker 4: Dubai was expensive. I think we spent like one hundred
8:03
Speaker 4: dollars at McDonald's between all of us. WHOA, so it
8:06
Speaker 4: cost me one hundred bucks at McDonald's, which is not
8:08
Speaker 4: a complaint. I was like, well, let's get it, about
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Speaker 4: fifteen hundred dollars to sit in that McDonald's on our phone.
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Speaker 2: For half an hour while we waited for because we
8:16
Speaker 2: didn't want to talk to each other because we didn't
8:17
Speaker 2: want a flight for like twenty.
8:18
Speaker 5: Hours we wereted.
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Speaker 4: And then I was like absolutely not satan, I mean
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Speaker 4: I did get out of it.
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Speaker 5: It took a lot.
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Speaker 2: Like Hayley jumped on the phone, had a.
8:28
Speaker 5: Little chat, but Hailey got engaged.
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Speaker 2: Congratulations, Well what else have you got Jess?
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Speaker 8: Congrats?
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Speaker 2: Next, I've got money in from Sarah, who said my
8:35
Speaker 2: money in is I bought the iPhone fifteen promacs for
8:38
Speaker 2: one hundred and eighty dollars.
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Speaker 5: No, we didn't have.
8:41
Speaker 2: I traded in my iPhone fourteen pro for Oney ten
8:45
Speaker 2: and I signed up for a BYO plan with Vodaphone,
8:48
Speaker 2: which gave me another thousand dollars off the phone. Also,
8:52
Speaker 2: my work also gives us fifty dollars a month towards
8:55
Speaker 2: our phone plan money. We oh, okay, furnessing the system.
9:00
Speaker 4: Well, Sarah, we all want new phones in this team,
9:02
Speaker 4: but none of us are planning on buying them because
9:05
Speaker 4: we're all stingy.
9:06
Speaker 2: My phone is literally like destroyed and I'm still like,
9:10
Speaker 2: oh it.
9:12
Speaker 7: Is smash and yeah, you've had that for like twenty
9:16
Speaker 7: thousand years.
9:19
Speaker 2: I'm waiting for like a bonus Flybys points or something.
9:22
Speaker 2: But anyway, Next, IP want money in from Ashley, who
9:24
Speaker 2: said money win. My partner asked me to do a
9:26
Speaker 2: budget for him so we can be better prepared for
9:28
Speaker 2: bills in the future.
9:29
Speaker 5: That would be so sexy.
9:30
Speaker 2: She also included a bonus cat pick for vd.
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Speaker 5: We love I love that. She said, it's a bonus
9:37
Speaker 5: cat pick for VD.
9:39
Speaker 7: AH.
9:39
Speaker 5: The other day, I was reading the Money Wins thread.
9:41
Speaker 5: It was on the pod.
9:43
Speaker 4: I actually used this as one of the money wins
9:45
Speaker 4: and someone literally was like, also, here's a picture of
9:47
Speaker 4: my dog.
9:47
Speaker 5: Because I know v will ask you.
9:48
Speaker 2: We love absolutely.
9:50
Speaker 5: I will thank you for knowing me so well.
9:52
Speaker 2: Guys. Next, I've got a book win from Alissa, who
9:56
Speaker 2: said I went to Dimmicks on the weekend to buy
9:58
Speaker 2: a book and they had boxes of her books for members.
10:01
Speaker 2: I scored three books which I've been wanting to read,
10:04
Speaker 2: with the back covers ripped off, but I saved about
10:06
Speaker 2: sixty bucks money.
10:07
Speaker 5: Win her books.
10:09
Speaker 7: How cute, poor little hurt books. Also, talking about cheap books,
10:13
Speaker 7: are libraries? Can we please make them trendy again? It
10:17
Speaker 7: is free?
10:18
Speaker 4: And also, jess and I worked this out recently. We
10:20
Speaker 4: should have worked this out a very long time ago, though,
10:22
Speaker 4: shouldn't we have? Jessica turns out authors get paid royalties
10:27
Speaker 4: when you hire books or do you borrow books. Higher
10:29
Speaker 4: books from the library. So like your author, your favorite
10:33
Speaker 4: author is not missing out when it's good when you,
10:37
Speaker 4: I guess, borrow books from the library. Although if you
10:40
Speaker 4: are an author, you actually have to sign up to
10:42
Speaker 4: that program yourself, and we hadn't so fun.
10:45
Speaker 2: Fact for everybody, it's a win for you, it's a
10:47
Speaker 2: win for the author.
10:49
Speaker 4: It is now a win for the author because I
10:50
Speaker 4: have now signed up tears program.
10:52
Speaker 2: But perfect.
10:53
Speaker 4: I think I love the most the fact that you
10:55
Speaker 4: know how some people are like, oh, I really want
10:57
Speaker 4: to support the author though, like you are.
10:59
Speaker 2: Yeah, money, you don't have to feel bad.
11:01
Speaker 8: That's great.
11:02
Speaker 2: Next, I've got a money win from Kira who said
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Speaker 2: money Wind took all our bottles and cans to containers
11:06
Speaker 2: for change and got thirty dollars cash back to put
11:09
Speaker 2: in our special money box.
11:10
Speaker 5: See I wish that was available in what are they actually?
11:14
Speaker 2: Yeah, I don't know when I feel like we must
11:16
Speaker 2: be getting closed. I think it was this year.
11:17
Speaker 5: We're going to be crazy at the recycling bins in
11:19
Speaker 5: the office.
11:20
Speaker 2: Now I'm going to be that brown who says to everybody,
11:22
Speaker 2: give me your hands, give me your hands.
11:24
Speaker 5: I want to get a can crusher so that you
11:26
Speaker 5: can stack more in your car.
11:28
Speaker 2: Just I want to set like a ridiculous goal. Do
11:29
Speaker 2: you remember. I remember a few years g I saw
11:31
Speaker 2: a girl paid for her wedding by recycling cans, and yeah,
11:35
Speaker 2: I remember seeing the article. And she would go to
11:37
Speaker 2: like her local like pubs and stuff and be like, hey, like,
11:39
Speaker 2: all clear out your recycling things for you if you
11:41
Speaker 2: can be permission. They're like yeah, so, and she paid
11:44
Speaker 2: for like their full wedding by collecting cans and bottles.
11:46
Speaker 2: And I wouldn't go that, but I think it would
11:49
Speaker 2: be really fun to be like, I want to set
11:50
Speaker 2: this huge goal car, yeah, something like that, and then
11:54
Speaker 2: just save a bunch of cans.
11:55
Speaker 4: If you've ever done that, can you please slide into
11:57
Speaker 4: our dams so we can get you on the pod.
11:59
Speaker 5: I feel like that would be so fun.
12:01
Speaker 2: So and then lastly, I've got a money win from
12:04
Speaker 2: kai who said money win. I cashed in some Velocity
12:07
Speaker 2: Frequent Flyer points for a free cruise with Virgin Voyages.
12:10
Speaker 5: What how many points?
12:12
Speaker 2: WHOA? I don't know, and I got an awesome points
12:15
Speaker 2: conversion rate five cents per point equals winning.
12:18
Speaker 8: Oh my gosh, sick.
12:20
Speaker 5: How good is that?
12:21
Speaker 2: I never even knew you could do that.
12:22
Speaker 4: Okay, So the other day Gabby and I so like,
12:25
Speaker 4: I have the seven eleven app, and as you guys know, like,
12:27
Speaker 4: irrespective of the fact that I am a seven eleven ambassador,
12:30
Speaker 4: I believe I got this position because I worked so
12:32
Speaker 4: hard at seven eleven during my free time.
12:35
Speaker 5: Anyway, saw on the app the other day that.
12:37
Speaker 4: If you bought a sausage roll, you got one hundred
12:39
Speaker 4: Velocity Frequent Flyer points, and sausage rolls that day were
12:42
Speaker 4: a dollar. So I basically got one hundred Velocity points.
12:45
Speaker 5: For a dollar and a free sausage roll, is how
12:48
Speaker 5: we saw it.
12:48
Speaker 8: Yess exactly right.
12:51
Speaker 2: Anyway, phenomenal is that's.
12:53
Speaker 5: A crazy cut.
12:54
Speaker 2: That's everything I've got.
12:54
Speaker 5: I love it.
12:55
Speaker 4: I feel like that is a very good Welcome back
12:57
Speaker 4: to the Friday Drinks episodes.
12:59
Speaker 5: Please don't give us again.
13:00
Speaker 8: Please don't go anywhere we were going.
13:04
Speaker 2: We go to America and approximately.
13:08
Speaker 4: But that's okay, Okay, Beck's going to miss us because
13:11
Speaker 4: we're going to do a few episodes without Beck.
13:13
Speaker 5: Sorry. Beck, we love you, but you were coming to America.
13:16
Speaker 2: That really hurts. You've got important things.
13:17
Speaker 8: I dot the acrass, So sorry, yeah.
13:20
Speaker 4: Yeah, we've been nominated for a pretty big award, Beck.
13:22
Speaker 4: We have been nominated for Podcast of the Year Big
13:25
Speaker 4: Dog Energy. But both jess and I are out of
13:27
Speaker 4: the country, so we thought this.
13:29
Speaker 2: Is the second year in a row. This is we
13:30
Speaker 2: haven't been during the last year wh we went to Europe.
13:33
Speaker 2: There was like two different awards ceremonies the same night
13:36
Speaker 2: that we had to.
13:37
Speaker 4: Fly out, and I had to prayer record all my
13:40
Speaker 4: videos and stuff in case I won, And it was
13:42
Speaker 4: the most awkward experience because you're like recording this video, Oh,
13:45
Speaker 4: thank you so much, like I'm so grateful to have
13:48
Speaker 4: one when you didn't know you were winning or not,
13:51
Speaker 4: and so I wish I had not. We did end
13:53
Speaker 4: up winning, which was very cool. But hopefully we come
13:57
Speaker 4: home with a win because you're going all the way
13:59
Speaker 4: to the Acress to represent the ses on the Money team.
14:02
Speaker 7: It's a big responsibility on my shoulders.
14:04
Speaker 8: Looking forward to a.
14:05
Speaker 2: Fun selfieve you with a trophy hopefully, Yeah, definitely.
14:07
Speaker 4: He goes across to knock on wood, don't don't jinx
14:10
Speaker 4: at Jessica, but to your side of the table, Miss Beck,
14:15
Speaker 4: what if you got when it comes to broke.
14:17
Speaker 7: Tips yes, okay, so broke tips. I always get a
14:20
Speaker 7: little bit nervous.
14:22
Speaker 4: I don't know, because feel like these tips are so
14:24
Speaker 4: good they're gonna blow people's minds.
14:26
Speaker 8: Yes, yeah, exactly. I do hope these coming useful.
14:29
Speaker 7: The ones that people send me are always really good
14:31
Speaker 7: and my ones are always a little bit silly. But
14:34
Speaker 7: let's give this a go. So the first one comes
14:36
Speaker 7: from Charlie. I think this is a really great tip.
14:38
Speaker 7: So Charlie says, for friends birthdays, for a cheap and
14:42
Speaker 7: meaningful present, go to kmart or office works or wherever.
14:45
Speaker 7: If you have a printer at home, sick in print
14:47
Speaker 7: off photos of them. You can print off a bunch
14:49
Speaker 7: of small photos for like fifteen cents each, or one
14:52
Speaker 7: big poster, or you could like you know, make little
14:54
Speaker 7: canvases or like.
14:56
Speaker 5: Stick little that's cute pictures and cards.
14:58
Speaker 7: Yeah, and like, for example, my friend made me this
15:00
Speaker 7: board game was amazing, you know, the Game of Life. Yeah,
15:03
Speaker 7: every single card in the deck was like a different
15:05
Speaker 7: thing that happened in my life. I'll have to like
15:09
Speaker 7: send photos or something because it's like it's unbelievable, like
15:12
Speaker 7: it's incredible, and I don't know how much it would
15:14
Speaker 7: have cost. I don't imagine too much printing in that time.
15:18
Speaker 4: And the research and the thought, oh my gosh, the
15:21
Speaker 4: best present I've ever.
15:22
Speaker 8: Heard of, totally.
15:23
Speaker 7: And for my best friend's birthday, I got everyone in
15:26
Speaker 7: our friend group and every one of her friends to
15:28
Speaker 7: send videos like a little happy birthday message, and I
15:31
Speaker 7: cut it all up together and that.
15:32
Speaker 8: Was free, and so she loved it.
15:35
Speaker 7: So something like that, like, if you worried about someone's
15:37
Speaker 7: birthday coming up, you don't have to spend any money,
15:40
Speaker 7: but you do have to spend some time.
15:42
Speaker 8: So that's one.
15:43
Speaker 4: Well, if you remember one of our Friday Drinks episodes,
15:45
Speaker 4: I forgot Jess's birthday, so there was that you.
15:48
Speaker 8: Could also just forget the birthday.
15:50
Speaker 4: That was literally my worst moment. Now I can provide
15:53
Speaker 4: some context to that. I was so sick and so pregnant,
15:56
Speaker 4: and nobody knew and I sounded like a terrible human
15:59
Speaker 4: being because I was like, oh no, now I forgot
16:02
Speaker 4: Jess's birthday as well. Everyone's going to think I am
16:04
Speaker 4: the devil. No birthdays are my favorite. I still carry
16:07
Speaker 4: a lot of guilt about that.
16:08
Speaker 9: Beck Oh, have a lifetime to make up for it,
16:12
Speaker 9: She cried, No, I cried because I felt bad for
16:16
Speaker 9: making you feel bad, not because not because you forgot
16:18
Speaker 9: my best Did.
16:19
Speaker 5: You cry though you cried?
16:20
Speaker 4: I made you cry because I forgot your birthday.
16:24
Speaker 8: It's a good way to frame it.
16:26
Speaker 5: What else have you got?
16:26
Speaker 2: Bet?
16:27
Speaker 7: So The next one comes from Alex, who says, where possible,
16:30
Speaker 7: try and enroll in some free courses or cheaper sort
16:33
Speaker 7: of like tafe courses or college courses before committing to
16:37
Speaker 7: a union degree because obviously, you know, it's like a big,
16:39
Speaker 7: you know, expense, it's a big debt to have. We
16:41
Speaker 7: don't want that ideally, and you could do this in
16:44
Speaker 7: many ways. There was a thing where like a few
16:47
Speaker 7: tafe courses were free.
16:49
Speaker 4: Courses are now free. Yeah, and so Jess and I
16:51
Speaker 4: tried to enroll in the Oslan tafe course, but we
16:55
Speaker 4: couldn't like commit to it because it was in person only.
16:58
Speaker 4: It was only a one or two places, like, it
17:00
Speaker 4: wasn't as accessible as we would have liked, because obviously
17:03
Speaker 4: we're crazy busy, but that's on our list of to
17:06
Speaker 4: do things, and that one's free.
17:08
Speaker 7: Yes, that's that's exactly right, So try and commit to
17:11
Speaker 7: that way possible. You could even just jump on like
17:13
Speaker 7: YouTube always have really cool the places where you can
17:16
Speaker 7: explore like there's this one have you heard of dad?
17:19
Speaker 7: How do I or how do I know it's the
17:23
Speaker 7: guy that it's a dad?
17:25
Speaker 5: Is it actually just you think? And I think it's
17:27
Speaker 5: really cool.
17:28
Speaker 7: That's like more so if you want to get into,
17:29
Speaker 7: like you know, maybe different trades, like do some handy
17:32
Speaker 7: work around your own house and stuff like that.
17:33
Speaker 8: But just like exploring different things.
17:36
Speaker 7: For committing to something that's such a big amount of
17:38
Speaker 7: debt is probably you know something that you would.
17:42
Speaker 4: Also you could upscale without having to like you know,
17:45
Speaker 4: quit your job or take more time. There's a website
17:47
Speaker 4: called called Sarah dot org oh which is one of
17:50
Speaker 4: my favorite resources now that you've mentioned it, And it
17:53
Speaker 4: actually has different units, so not full degrees, but different
17:57
Speaker 4: units from universities all around the world. So we're talking
18:00
Speaker 4: like Harvard and Oxford and like literally the big universities.
18:04
Speaker 4: I know that r MIT here in Melbourne contribute and
18:07
Speaker 4: so does Melbourne University and the University of New South Wales,
18:09
Speaker 4: like literally all the big unis and you can go
18:12
Speaker 4: do like a data science unit that could help you
18:15
Speaker 4: upskill at work or like literally financial literacy units or
18:19
Speaker 4: whatever you want to do, and you get a certificate
18:22
Speaker 4: at the end, so you can pop that on your LinkedIn.
18:24
Speaker 5: Isn't that cool?
18:25
Speaker 2: That's great and free.
18:27
Speaker 5: We love a free course.
18:28
Speaker 4: I think the only thing that is paid about that
18:31
Speaker 4: is obviously you could put on your LinkedIn that you've
18:33
Speaker 4: done it. But I think you do have to pay
18:35
Speaker 4: for the certificate if you want it sent to you.
18:37
Speaker 5: Sure, I don't need the certificate. It's a good thanks
18:40
Speaker 5: for the free course.
18:40
Speaker 2: Yeah. I feel like if more people did that before
18:43
Speaker 2: they started a university degree, the rate of people changing
18:47
Speaker 2: courses would drop significantly because almost every single one of
18:51
Speaker 2: my friends, as you guys know, I didn't go to university,
18:53
Speaker 2: but I think every one of my friends but maybe
18:57
Speaker 2: one that went to university changed courses and that costs
19:00
Speaker 2: them a huge amount money because you feel so much
19:02
Speaker 2: pressure to go to university when it might not even
19:05
Speaker 2: be the right fit for you. Yeah, and you're making
19:07
Speaker 2: a choice not really knowing what you like or what
19:09
Speaker 2: you enjoy and totally so then people start studying and
19:12
Speaker 2: they go, oh, actually, you know, it's what happened with
19:14
Speaker 2: you'at Like you studied psychology and you're like, Oh, actually,
19:16
Speaker 2: this isn't it and you moved into finance one hundred percent,
19:20
Speaker 2: and I think it's so important to kind of I
19:22
Speaker 2: don't know. I feel like this is a whole other
19:25
Speaker 2: conversation outside of broke tips, just that there's so much
19:28
Speaker 2: unnecessary pressure to get a higher education when honestly, so
19:32
Speaker 2: many times you don't need it, Like it depends what
19:34
Speaker 2: you want to do.
19:35
Speaker 5: Obviously can get you ahead.
19:37
Speaker 4: You obviously can't go and become a neurosurgeon if you
19:40
Speaker 4: don't have a degree, Like that's not gonna fly. But like,
19:42
Speaker 4: look at Jess's career. I think she's killing it. I
19:45
Speaker 4: mean I'm biased because she works for me, but like
19:47
Speaker 4: Jess never went to UNI and he's now the head
19:49
Speaker 4: of partnerships, Like killing it.
19:52
Speaker 8: Done very well, proud of you.
19:54
Speaker 5: She's also a podcast SUPERSTARFF. So there's that.
19:56
Speaker 2: Yeah, waty, what's your breake tip though?
20:00
Speaker 5: Oh yes, yeah, we want to know yours.
20:01
Speaker 7: Okay, So my broke tip this is for if you're
20:04
Speaker 7: not wanting to spend any money and you have some
20:06
Speaker 7: random bits and pieces in your house.
20:09
Speaker 5: Yeah, that's exactly what I.
20:10
Speaker 8: Think a lot of people relate.
20:11
Speaker 7: Some people literally don't have anything, and that's you know,
20:13
Speaker 7: it's not okay, but like that's a reality for some.
20:15
Speaker 7: But if you have even a few dollars to grab
20:18
Speaker 7: some really basic things from Woolworths or wherever, there's an
20:22
Speaker 7: app or a website. One is super cook and one
20:26
Speaker 7: is food Wise, I'm sure there are way more out
20:28
Speaker 7: there where you can just basically jot in your ingredients,
20:31
Speaker 7: random ingredients. So you have one cup of pasta and
20:35
Speaker 7: some random tomato sauce and something else, and you're like,
20:37
Speaker 7: I don't want to spend any money.
20:38
Speaker 8: I'm just going to use what I have here. And
20:40
Speaker 8: you chuck it all.
20:41
Speaker 7: In there and you search for recipe. Yeah, and then
20:45
Speaker 7: it'll like tell you what you can make with those ingredients.
20:48
Speaker 8: So I love the hat.
20:49
Speaker 7: Yeah, So you don't actually have to go out and
20:51
Speaker 7: spend anything. And you know, sometimes you go out and
20:53
Speaker 7: you have something in mind that you want to buy
20:55
Speaker 7: and you end up buying like your hundredth bottle of
20:58
Speaker 7: Cuman because you don't you forget that you have it
21:00
Speaker 7: a home. Instead of doing that, you just you stay
21:03
Speaker 7: at home, you look through cupboards, you chuck everything into
21:06
Speaker 7: this website and it'll generate a recipe. For you and
21:10
Speaker 7: you're saving on food waste. You're saving on food waste
21:13
Speaker 7: exactly right.
21:14
Speaker 2: So that's my one. That's a really good one, really
21:17
Speaker 2: really good one.
21:18
Speaker 8: Thank you, Thank you, Jazz. I feel so happy.
21:20
Speaker 2: I love that.
21:21
Speaker 7: Can I add to that please? You can steal herbs, Yes,
21:24
Speaker 7: you can steal herbs.
21:26
Speaker 4: I mean not from the supermarket that's actually illegal, oh Gosha,
21:30
Speaker 4: I will uses cracking down on us, but literally from
21:33
Speaker 4: neighbors and stuff. So keep your eyes peel because I
21:35
Speaker 4: went on a big walk on the weekend and I
21:37
Speaker 4: walked past probably the biggest rosemary bush I've seen in
21:39
Speaker 4: my entire life.
21:40
Speaker 5: And I was like, oh, this is good to know.
21:43
Speaker 4: So coming up to Christmas, I actually this is a
21:45
Speaker 4: bit lame, but like I have a rosemary salt recipe
21:49
Speaker 4: that we might share with the community. Because you just
21:51
Speaker 4: buy you know, those like really big bottles. I think
21:53
Speaker 4: they're like a dollar of salt, like the table salt.
21:56
Speaker 4: Like we're not talking fancy, like you know, Himalayan salt flakes.
21:59
Speaker 5: Like we kin'd of thought that that's fine. Iodized yeah,
22:02
Speaker 5: iodized salt.
22:04
Speaker 4: We get some of that, We get some rosemary, We
22:05
Speaker 4: dry out the rosemary we make rosemary salt that we
22:08
Speaker 4: can give as gifts at Christmas.
22:11
Speaker 5: So keep your.
22:11
Speaker 4: Eyes peeled for the next couple of months for a
22:13
Speaker 4: rosemary bush that you could maybe do a little snippy
22:16
Speaker 4: snip off, snip, because that could become a really thoughtful,
22:21
Speaker 4: heartfelt Christmas present that they could put on their steaks
22:24
Speaker 4: or their dinners or literally anything you can talk with
22:26
Speaker 4: it is so good. Yes, like literally rim your little
22:32
Speaker 4: margarita glass with some rosemary salt. Kiss, she's festive. Just
22:36
Speaker 4: don't trespass, Sorry, no, don't trespass. Only if it's like
22:40
Speaker 4: in a public garden or someone's front yard.
22:42
Speaker 8: Poking out the fence. It's yours.
22:43
Speaker 4: It's all yours, somewhere nature street picon exactly.
22:48
Speaker 2: Just over and at home listening knows this means that
22:51
Speaker 2: Christmas content is You were the first one.
22:58
Speaker 4: Jessica is coeen of Christmas, and we have been brainstorming
23:03
Speaker 4: all year of like gift ideas that you can make
23:06
Speaker 4: that might be really cheap.
23:07
Speaker 5: So Jess and I have been hoarding this. Jess has
23:09
Speaker 5: wanted who for a very long time, learn how to
23:12
Speaker 5: use a sewing machine, and I've been promising to teach
23:14
Speaker 5: her how to use mine, but have been putting it
23:17
Speaker 5: off because this year we're gonna make wheat bags. How
23:21
Speaker 5: we bags.
23:21
Speaker 8: That's so cute.
23:22
Speaker 5: I love a good wheat bag.
23:24
Speaker 4: And with some cheap material from like the opshop or something,
23:27
Speaker 4: and some wheat that you get at the pet store
23:30
Speaker 4: for like ten dollars for a ten kilo bag, you
23:32
Speaker 4: can make a heap of wheat PAGs as presents. I'm
23:35
Speaker 4: going to teach Jess how to do that. We've also
23:36
Speaker 4: got a number of different recipes like the rosemary salt
23:39
Speaker 4: I just mentioned, and a few other really fun things
23:42
Speaker 4: that are really cheap but really thoughtful that you could
23:44
Speaker 4: do for Christmas because I just feel like Christmas is
23:46
Speaker 4: so expensive and it gives me so much anxiety. And
23:48
Speaker 4: I know I'm not the only one that'll be some
23:52
Speaker 4: really good but we're going to get crafty. We're gonna
23:53
Speaker 4: get crafty.
23:54
Speaker 2: Yes, I like festa, I love yeah festive broke tips.
23:58
Speaker 4: Also on that before we move on and go to
24:00
Speaker 4: a break, I mentioned that we're going to do wheat packs,
24:03
Speaker 4: So keep your eyes peeled for some lavender bushes you
24:05
Speaker 4: could borrow some stems from.
24:07
Speaker 2: Yes, and if you have a broke tip that you
24:09
Speaker 2: want to share with back send it through to her
24:11
Speaker 2: or to the Shes and the Money Instagram because we
24:13
Speaker 2: love sharing yours as well as backsone we love.
24:16
Speaker 5: We might do a shout out on the Instagram stories
24:19
Speaker 5: today so that we can collect some more brogue tips
24:21
Speaker 5: to share as well. Theck what do you reckon?
24:23
Speaker 2: Oh?
24:23
Speaker 8: Would love that? That'd be nice.
24:24
Speaker 5: Ah, they're my favorite.
24:25
Speaker 4: All right, let's go to a really quick break and
24:27
Speaker 4: on the flip side, we're going to be talking about
24:29
Speaker 4: how will work credit card might impact your credit score
24:33
Speaker 4: and we're going to be unpacking something you slid into
24:34
Speaker 4: our DMS about.
24:35
Speaker 5: This week, we're chatting.
24:36
Speaker 4: About being financially taken advantage of in a new relationship.
24:40
Speaker 5: So guys, don't go anywhere.
24:46
Speaker 2: Welcome back, everybody. Let's listen to this sweets money dilemma.
24:51
Speaker 5: Hi. There, have you got a money dilemma you just
24:54
Speaker 5: can't solve? The Sheese on the Money team is here
24:56
Speaker 5: to help.
24:57
Speaker 4: Every week we tackle your dilemmas bo again small to
25:00
Speaker 4: answer your most burning money, career and life questions. To
25:04
Speaker 4: get involved, simply head to our website and leave us
25:06
Speaker 4: a short voice recording and you might just find yourself
25:09
Speaker 4: on the show.
25:10
Speaker 5: Now, let's take a listen to this week's money dilemma.
25:15
Speaker 6: Hi, she's on the money. I'm currently saving for a house,
25:18
Speaker 6: but I've also reached a position at work where I
25:20
Speaker 6: can have a work credit card. Having a work credit
25:23
Speaker 6: card will make things a lot easier for me. But
25:25
Speaker 6: I can't help but wonder how having this in my
25:27
Speaker 6: name will impact me? Will it impact my borrowing power
25:30
Speaker 6: or ability to have my own credit card one day?
25:33
Speaker 6: And what happens if my workplace doesn't make a payment
25:36
Speaker 6: on time. I'd love if you could help me with
25:38
Speaker 6: this or guide me to a place where I can
25:40
Speaker 6: find this information. Thank you.
25:42
Speaker 2: All I can say is, as the person who used
25:44
Speaker 2: to have to reconcile credit cards for a team of
25:46
Speaker 2: over fifteen people, don't be the person who doesn't keep
25:50
Speaker 2: track of their receipts. Keep your receipts, please, for the
25:52
Speaker 2: love of God, for whoever's doing that admin ha ha.
25:56
Speaker 2: I can't tell you how many times I'd be hey
25:58
Speaker 2: back if you gore your receipts and that person would
25:59
Speaker 2: be like, I'm just missing his life. Got maybe four
26:03
Speaker 2: of them, and I'm like, you have sixteen charges for
26:05
Speaker 2: oh no, keep tracking your receipts.
26:07
Speaker 5: Please, sorry at Daxed on my own podcast. That's why
26:15
Speaker 5: I beck. I don't know if you've noticed it.
26:16
Speaker 4: Anytime we ever go out for lunch or something and
26:18
Speaker 4: I like tap my card, they're like, do you want
26:20
Speaker 4: a receipt? And I'm like, no, Jess or that yell
26:22
Speaker 4: over my shoulder yes, and then she'll like snatch it,
26:26
Speaker 4: take it away because she's just like so sick.
26:28
Speaker 5: Of my shit. She's just like, how do you never remember?
26:31
Speaker 5: I'm like, oh, I just forget. I'm so sorry, Like
26:33
Speaker 5: I don't want the receipt, I don't need it, and
26:34
Speaker 5: she's like, it's a work expense. We've been doing this
26:36
Speaker 5: for years, so I just stop it.
26:38
Speaker 4: But let's get back to it. So, ultimately, it depends
26:42
Speaker 4: on the structure. You need to be very clear on
26:45
Speaker 4: who the corporate credit holder is. So in this circumstance,
26:50
Speaker 4: best example is my girls at work, because Jess obviously
26:53
Speaker 4: does a lot of stuff that needs to be paid for,
26:55
Speaker 4: they have credit cards. Those credit cards have their names
26:58
Speaker 4: on them, but the corporate credit card holder is me.
27:03
Speaker 4: It will never be Jess's responsibility to pay off that debt.
27:07
Speaker 5: It is not in her name.
27:08
Speaker 4: Yes, she authorized the payment, but I am the primary
27:12
Speaker 4: card holder and she is the secondary card holder. So essentially,
27:17
Speaker 4: don't do this, Jessica. She could rack up as much
27:19
Speaker 4: as she wanted and it's my responsibility. It doesn't actually
27:22
Speaker 4: impact her credit score. It will impact my credit score
27:25
Speaker 4: if I don't pay it off, or my business's credit score.
27:28
Speaker 4: So it's really important to understand the structure of a
27:30
Speaker 4: credit card. If your employer goes, hey, Jessica, you need
27:35
Speaker 4: a credit card to work here to do you know payments?
27:39
Speaker 5: Can you go get one?
27:40
Speaker 2: Nah?
27:41
Speaker 5: No, I can't.
27:42
Speaker 2: Red flag.
27:42
Speaker 4: Red flag absolutely not because for me, that should never
27:45
Speaker 4: be in Jess's name, because it is not her responsibility.
27:48
Speaker 4: I have a lot of thoughts and feelings about reimbursements
27:51
Speaker 4: as well, like jess can probably talk you through how
27:54
Speaker 4: I feel about that, but I do not like it
27:57
Speaker 4: when my team has to be financial out for an
28:01
Speaker 4: expense that is for my business that is not on
28:03
Speaker 4: jess like. And I find that so wild because I
28:07
Speaker 4: used to work in consulting and I used to travel
28:09
Speaker 4: a lot for my culture and engagement work, right, and
28:12
Speaker 4: it used to drive me bonkers that I would have
28:15
Speaker 4: to have a credit card for work to put a
28:17
Speaker 4: hold on the hotel room that I was staying in,
28:20
Speaker 4: and I mean I always got it back. But like
28:23
Speaker 4: as you guys know a little bit about my money stories,
28:25
Speaker 4: I was in lots of debt. Money was scary, money
28:28
Speaker 4: was overwhelming. I didn't have that much of it. And
28:31
Speaker 4: for a credit card company to put one hundred dollar
28:33
Speaker 4: or two hundred dollars hold on my credit card, that
28:35
Speaker 4: mean I couldn't use it because I didn't actually have
28:37
Speaker 4: any more space on it. Yeah, I'd always make sure
28:39
Speaker 4: that I had enough space on it so that I
28:41
Speaker 4: could work, but that should not have been my responsibility.
28:44
Speaker 4: It should have been at my employer's responsibility to give
28:47
Speaker 4: me a work credit card so that I could function
28:49
Speaker 4: and work for the business, because that wasn't an.
28:51
Speaker 5: Expense that I had.
28:52
Speaker 4: I also used to have to keep track of all
28:54
Speaker 4: my meals and then submit my receipts to get paid
28:57
Speaker 4: back for them.
28:58
Speaker 2: Yeah. Oh, which particularly because most companies reconcile monthly, like
29:03
Speaker 2: I was doing those credit cards that I was talking about,
29:05
Speaker 2: like on a monthly basis, that means for a full
29:07
Speaker 2: thirty ish days, you're without those funds. You're not occurring
29:11
Speaker 2: interest on those funds, Like that's a long time.
29:13
Speaker 4: Exactly, the money that I've made is no longer making
29:15
Speaker 4: money because it's not setting in a high interest savings
29:17
Speaker 4: account or in my investment or whatever. And that's actually
29:20
Speaker 4: an opportunity cost that you're missing out on. And I
29:23
Speaker 4: don't think that's good enough. But also, if Jess has
29:26
Speaker 4: to travel for work, is it just this responsibility to
29:28
Speaker 4: pay for the room.
29:29
Speaker 2: I would say arguably not, but I have I have
29:32
Speaker 2: a very good no.
29:33
Speaker 4: But also it's a simple structure because at the end
29:36
Speaker 4: of the day, if your business is saying, oh, will
29:39
Speaker 4: reimburse you, they're saying they've got the money for it
29:41
Speaker 4: to begin with.
29:41
Speaker 5: Just change your structure. It doesn't cost you anymore.
29:44
Speaker 4: In fact, Jess having a credit card makes me points,
29:49
Speaker 4: so like I get points on all of the transactions
29:51
Speaker 4: and Jess doesn't. Whereas if Jess was using her personal card,
29:55
Speaker 4: which she might want you because she's obsessed with bloody
29:57
Speaker 4: velocity points. I swear to God, she waits until she
30:01
Speaker 4: can get the most amount of velocity off frequent flyer points.
30:03
Speaker 4: Like this woman is crazy like flybys in her two peas.
30:07
Speaker 2: In a pod.
30:08
Speaker 5: Best is yeah, like I can't like she wants the points. No, no, no,
30:12
Speaker 5: they're for me.
30:13
Speaker 4: Sorry, yeah, okay, sorry, Yeah, but I think yeah, I
30:17
Speaker 4: guess back to the question, you need to understand the structure. Obviously,
30:21
Speaker 4: If your employe is asking you to get a credit
30:23
Speaker 4: card in your name to pay for that, I think
30:25
Speaker 4: that's a red flag and you should say no, actually,
30:27
Speaker 4: can you please make me an authorized card holder on
30:30
Speaker 4: one of the business accounts because it's actually not your responsibility. Yeah, great, great, great,
30:36
Speaker 4: not your responsibility and not your responsibility. No, absolutely no.
30:41
Speaker 4: If no, she didn't give us enough context. So that's
30:44
Speaker 4: why I'm saying there's probably two different structures. And I
30:47
Speaker 4: mean lots of businesses operate on the reimbursement model, and
30:50
Speaker 4: I mean I don't want to throw too many under
30:52
Speaker 4: a bus. Yes, I don't think it is technically too fair,
30:55
Speaker 4: but it's also a trust thing. Like a business might
30:58
Speaker 4: not be that comfortable issuing Jess with a credit card
31:00
Speaker 4: because she could wrap up a heap of debt.
31:03
Speaker 2: Yeah, especially you're a brand new employe.
31:04
Speaker 4: Yeah, if you're a brand new employee you haven't passed
31:06
Speaker 4: like probation or something, they might go, oh, you have
31:08
Speaker 4: trouble for work will reimburse you, and that's their way
31:10
Speaker 4: of making sure that you're not taking the mickey out
31:13
Speaker 4: of a work credit card and like protecting themselves and
31:16
Speaker 4: like covering their own risks. So it's a bit of
31:18
Speaker 4: a double edged sword because you can see where it's
31:20
Speaker 4: coming from.
31:21
Speaker 8: But from my.
31:22
Speaker 4: Perspective, why are you hiring people you don't trust? Weird flexwit?
31:25
Speaker 2: Okay?
31:26
Speaker 7: True?
31:27
Speaker 2: Also, about five minutes ago, I would just like to
31:28
Speaker 2: clarify you said, nah can't.
31:31
Speaker 8: I heard the same thing just for.
31:33
Speaker 2: Anyone listening at homegoing Victoria Divide. You said, nah can't.
31:39
Speaker 2: But just you're in a bit of a you're in
31:41
Speaker 2: a bit of a flow and oh my.
31:43
Speaker 5: God, my parents don't listen to this podcast. Don't get cancels.
31:48
Speaker 2: We're marking it as a clean podcast.
31:51
Speaker 1: A n y.
31:55
Speaker 5: Alky.
31:56
Speaker 4: Well, I guess it's time to move on to our
31:58
Speaker 4: community d m P. This week we had a brilliant
32:02
Speaker 4: community call out. We received a DM and it sounded
32:05
Speaker 4: a lot like this because I'm reading it for Betam
32:08
Speaker 4: so it said I need some advice.
32:10
Speaker 5: Girls.
32:10
Speaker 4: My mum has started dating a new partner after years
32:13
Speaker 4: of being single. Get it, mum, she seems really happy,
32:17
Speaker 4: but is totally naive to the fact that this person
32:20
Speaker 4: is taking advantage of her and her money. They have
32:23
Speaker 4: been in a relationship for about eight months and the
32:25
Speaker 4: partner has already moved in with her. Her partner does
32:28
Speaker 4: not contribute any rent, nor paid bills or groceries. They
32:31
Speaker 4: have gone on holidays and Mom has paid for the
32:34
Speaker 4: entire thing, and she always pays for their dinners out.
32:37
Speaker 4: This person has a full time job, so I don't
32:40
Speaker 4: see why they can't contribute equally to this relationship.
32:43
Speaker 5: I think she's blinded by her new found happiness.
32:45
Speaker 4: And companionship, and I'm really worried she's putting herself in
32:49
Speaker 4: a bad financial situation, as it's not sustainable to her
32:53
Speaker 4: to support both of them. I don't want to hurt
32:55
Speaker 4: her feelings, but I feel like I need to say something.
32:58
Speaker 4: Do you have any advice on how I could navigate
33:01
Speaker 4: this conversation?
33:04
Speaker 2: So tricky?
33:04
Speaker 5: This is very tricky, so spicy.
33:08
Speaker 2: It's hard because to me, there's kind of two elements
33:12
Speaker 2: to this, like if it was your friend, if it
33:14
Speaker 2: was your mum, if it was someone, if it's anyone
33:16
Speaker 2: you know, I think, and you care about them, you
33:19
Speaker 2: want to flag these things with them, and you want
33:21
Speaker 2: to in this situation definitely, I think go about it
33:23
Speaker 2: in a kind and gentle way. The other side of
33:27
Speaker 2: it is, you also can't tell somebody how to spend
33:30
Speaker 2: their money or how to live their life, and what
33:32
Speaker 2: from the external might look like someone being taken advantage
33:36
Speaker 2: of if they're aware of these expenses, if they're conscious
33:40
Speaker 2: of them, there is also the possibility that they are
33:42
Speaker 2: happy with that arrangement. And I think like it's the
33:45
Speaker 2: daughter's job to say, hey, like, have you thought about
33:48
Speaker 2: the implications of this, what's the plan long term? Have
33:51
Speaker 2: you given it any consideration? Because I just want to
33:54
Speaker 2: make sure that you're going to be okay and that
33:57
Speaker 2: you know things are somewhat equitable or equal. But then
34:01
Speaker 2: at the same time, for example, if the mum earns
34:04
Speaker 2: heaps more than the partner, maybe she is going, oh, well,
34:07
Speaker 2: I'm really happy to pay for these things because I
34:10
Speaker 2: like these certain things. I've become accustomed to this lifestyle
34:13
Speaker 2: as a previously independent woman. So it's kind of like,
34:16
Speaker 2: I think you should absolutely have a conversation because I
34:18
Speaker 2: think in any circumstance like this, you're better off flagging
34:22
Speaker 2: a potential risk than not, because you would hate to
34:25
Speaker 2: not flag it and then have it go badly. I
34:27
Speaker 2: think if you love someone, you should always be comfortable
34:30
Speaker 2: bringing these things up, and I think that needs to
34:32
Speaker 2: be done gently and with kindness and in a way
34:35
Speaker 2: that is supportive, not aggressive or you know, a bit
34:38
Speaker 2: like what are you doing or anything like that. I
34:40
Speaker 2: don't think that's well.
34:41
Speaker 4: I think we need a bit more context around the relationship,
34:43
Speaker 4: because do you have like beef with this dude that's
34:46
Speaker 4: come in like already, like you're already talking to Mum
34:49
Speaker 4: being like I don't really like him, he takes advantage
34:51
Speaker 4: of you, but you haven't really mentioned the financial part,
34:54
Speaker 4: and then this is like another layer if so it
34:56
Speaker 4: needs a bit more of a balanced conversation, or is
34:58
Speaker 4: this something where you're like, oh, here's a really great guy,
35:00
Speaker 4: but also Mum by the way. So I think it's
35:03
Speaker 4: there's a bit more context that needs to play into it.
35:06
Speaker 4: But as you said, Jess, I think if you're in
35:07
Speaker 4: a circumstance where you love and trust someone, I would
35:10
Speaker 4: always bring it up. I'm the type of person that
35:12
Speaker 4: I'd prefer you to be mad at me for me
35:15
Speaker 4: caring about your well being like if I thought Jess
35:18
Speaker 4: was in a situation that I didn't like. I know,
35:20
Speaker 4: Jess is probably not going to like me bringing it up,
35:22
Speaker 4: but I'd be like, hey, I just feel like X
35:25
Speaker 4: y Z, and same with you, Beck, Like I would
35:27
Speaker 4: bring it up even if it made you a little
35:29
Speaker 4: bit mad at me, because I would prefer to be
35:32
Speaker 4: in a circumstance where you're mad at me, but you're
35:34
Speaker 4: safe and you're happy and you're being respected. And I
35:37
Speaker 4: think that that's where it comes from, because that's how
35:40
Speaker 4: I would frame it. I'd be like, hey, Beck, I
35:41
Speaker 4: know you could think that I'm really overstepping here and
35:44
Speaker 4: it's totally none of my business, but I can't get
35:47
Speaker 4: it off my mind. Here are my thoughts and feelings.
35:49
Speaker 4: Do what you wish with them, and I think that
35:51
Speaker 4: that's it. But not everybody is like that. Yeah, I
35:55
Speaker 4: think it's a hard situation to navigate.
35:58
Speaker 5: What would you do?
35:58
Speaker 8: But it is a hard one.
35:59
Speaker 7: Actually, I think I want to be a sugar daddy,
36:01
Speaker 7: So this is a situation where but so it might
36:03
Speaker 7: be this situation where someone wants to be you know,
36:05
Speaker 7: financially submissive or whatever the term is. They could be
36:08
Speaker 7: that exactly what you're saying. Yes, maybe not exactly what
36:11
Speaker 7: kind of Maybe it's king we don't want to yuck
36:13
Speaker 7: anyone's yam. It could be that situation. But also, and
36:16
Speaker 7: this kind of comes from I listened to the podcast
36:18
Speaker 7: Something Was Wrong. They talk about a lot about like
36:20
Speaker 7: abusive relationships and sometimes financially situationally like it's my favorite podcast,
36:27
Speaker 7: and so I guess, like, I mean, sorry, other than
36:29
Speaker 7: this one, Nope, that this is extremely awkward.
36:34
Speaker 8: I'm so sorry.
36:35
Speaker 7: But obviously without saying but no, but they do talk
36:42
Speaker 7: about this kind of thing, and I guess like, so
36:43
Speaker 7: this is more not really financial advice, This is more
36:46
Speaker 7: just like emotional and relationship advice.
36:48
Speaker 8: So exactly as you guys are saying, definitely, you know,
36:50
Speaker 8: bring it up.
36:51
Speaker 7: But as long as the person, as long as your
36:53
Speaker 7: mum in this situation knows that you will always be
36:57
Speaker 7: there no matter what happens, and if and if she
37:00
Speaker 7: is staying with this person, if she is in a
37:03
Speaker 7: bad situation, if she stays with this person for many
37:06
Speaker 7: many years, you will consistently, always forever be there as
37:10
Speaker 7: the safety blanket. Also, you know, when you're dating someone
37:13
Speaker 7: and there are some little red flags that you don't
37:16
Speaker 7: start telling your friends about because you don't want them
37:18
Speaker 7: to dislike your partner. Yeah, so opening that communication and
37:22
Speaker 7: being like, hey, you're allowed event here and I'm not
37:25
Speaker 7: going to dislike your partner. Let's just talk about this
37:28
Speaker 7: person like their maybe have no chill, but let's let's
37:33
Speaker 7: remain completely indifferent about like who the person is and
37:36
Speaker 7: all this kind of thing. Just just be I agree
37:39
Speaker 7: as like, put you know, as little pressure on them
37:42
Speaker 7: as possible, and just be consistent and be kind and
37:44
Speaker 7: exactly saying patient and open and hopefully they'll I mean,
37:49
Speaker 7: they have to find their own way. If this is
37:52
Speaker 7: a problem, they'll have to find their own way out.
37:53
Speaker 7: They won't listen to anyone unfortunately most likely just being
37:57
Speaker 7: there for every step, and I think.
38:00
Speaker 2: Or sprinkling in some resources where relevant, like oh, like
38:03
Speaker 2: I listened to this really great podcast that talks about
38:06
Speaker 2: you know, financial money and relationships in the different ways
38:09
Speaker 2: that you can handle that. Or I saw this really
38:11
Speaker 2: great article that somebody wrote about equity and this and that,
38:14
Speaker 2: or just I think checking in, like don't have the
38:19
Speaker 2: conversation once and then be done with it. I think
38:22
Speaker 2: if you're worried, people also do have gut instincts where
38:26
Speaker 2: protective of the people that we love. Monitor the situation
38:29
Speaker 2: from a little bit of a distance and just keep
38:31
Speaker 2: an eye on it, and keep an eye out for
38:32
Speaker 2: any additional red flag, and don't be afraid to just
38:35
Speaker 2: check back in and be like, how are things going?
38:36
Speaker 2: Oh my gosh, Like I've read this thing and it
38:39
Speaker 2: made me think about you guys, or I just wanted
38:41
Speaker 2: to see how you were going with everything, because I
38:44
Speaker 2: think as well as you were saying, like, if it
38:46
Speaker 2: is a negative thing, if this is a potentially abusive
38:50
Speaker 2: relationship or a relationship where someone is being taken advantage of,
38:53
Speaker 2: it will potentially get worse over time. It might take
38:56
Speaker 2: them a while to find out how they feel, and
38:59
Speaker 2: maybe that's when they'll need help them. In those types
39:01
Speaker 2: of relationships, often the thing that the abuser does is
39:05
Speaker 2: cut off your ties to people. So yes, don't let
39:07
Speaker 2: them do that to you. But at the same time,
39:10
Speaker 2: as I said, that's not necessarily the case, Like it's
39:12
Speaker 2: really hard to know without observing what side of the
39:15
Speaker 2: table this falls on, and so I think it's for
39:18
Speaker 2: our listener just about having the conversation and as you said,
39:22
Speaker 2: reminding their mum that they're there and just keeping an
39:25
Speaker 2: eye on things the best you can, because also you're
39:27
Speaker 2: the child in a situation. There's only so much that
39:30
Speaker 2: you can do to parent your parent, you know what
39:32
Speaker 2: I mean totally.
39:33
Speaker 5: You said it really well before.
39:36
Speaker 4: You're not privy to the relationship, like and that's just it,
39:39
Speaker 4: Like you might see it as an outsider, but like
39:42
Speaker 4: Beck and I have this relationship and we've actually talked
39:44
Speaker 4: about it and I'm really comfy with it, and you
39:46
Speaker 4: just don't know that because to be honest, it's none
39:48
Speaker 4: of your business in a way, like why would your
39:50
Speaker 4: mum announce that? But I think the important thing here
39:53
Speaker 4: for me is really around the expectation, Like is that
39:56
Speaker 4: person expecting your mum to cough up every single time?
40:00
Speaker 4: Or has that been a pre I guess meditated conversation.
40:03
Speaker 4: Is that something where she's like, look, I know that
40:05
Speaker 4: you're saving or you're doing this, or you're doing that,
40:07
Speaker 4: and i'd love to pay more because I am actually
40:10
Speaker 4: super wealthy. Like if that's the case, then great, But
40:13
Speaker 4: I think it's about that expectation. Is he grateful for
40:16
Speaker 4: the contributions that your mum is making or is he
40:19
Speaker 4: just expecting it? Because I think that's really a reflective
40:21
Speaker 4: of the dynamic that the relationship has. And I think, yeah,
40:25
Speaker 4: people only hear what they want to hear when they
40:27
Speaker 4: want to hear it. So even if you say something
40:29
Speaker 4: to your mum now, don't be surprised if she doesn't
40:32
Speaker 4: want to take that advice or hear it. And then
40:34
Speaker 4: in a couple of months when maybe the relationship disintegrates,
40:37
Speaker 4: if it does, like you know, I'm obviously extrapolating that out,
40:41
Speaker 4: don't go I told you so. If she comes to
40:44
Speaker 4: you as a safe place to be like, oh my gosh,
40:46
Speaker 4: I can't believe he Xyz, don't go, oh well, I
40:48
Speaker 4: told you so. Like that's so unhelpful because sometimes people
40:52
Speaker 4: literally only hear what they want to hear when they
40:54
Speaker 4: want to hear it.
40:55
Speaker 5: And that's okay if it didn't come from you. So
40:58
Speaker 5: we obviously asked the community.
40:59
Speaker 4: We said, do do you know someone who has had
41:02
Speaker 4: a partner that was quote dating them for the money.
41:04
Speaker 5: I thought this wouldn't be many, but forty four percent
41:07
Speaker 5: of you said.
41:07
Speaker 4: Yes, Oh my god, that's a lot wild. We said,
41:11
Speaker 4: if yes, were they aware that this was happening? Ninety
41:15
Speaker 4: three percent of you said they were totally naive to
41:18
Speaker 4: what was happening.
41:19
Speaker 2: That makes sense to me, It makes sense.
41:21
Speaker 4: But that's probably why our community DM writer in ra
41:24
Speaker 4: is like, do I say something, yes, in this circumstance, if.
41:29
Speaker 5: It was your mum, what would you do?
41:32
Speaker 4: Ninety five percent of you said I'd raise my concerns
41:35
Speaker 4: with her as soon as possible. And then we asked
41:39
Speaker 4: for your two cents, which is my favorite because I
41:41
Speaker 4: love your opinions. They are so colorful sometimes and I'm
41:45
Speaker 4: always like, wow, I didn't even think of that. So
41:47
Speaker 4: there's been a few really great responses. First one I
41:49
Speaker 4: want to read out was I was the person being
41:51
Speaker 4: taken advantage of. I was completely blinded by love, and
41:54
Speaker 4: I wish someone had said something. Yeah, someone else said,
41:58
Speaker 4: how did she know this guy isn't paying for stuff
42:00
Speaker 4: when she's not there? Is he maybe just transferring money
42:03
Speaker 4: after it and you're just seeing the credit card transaction
42:06
Speaker 4: take place?
42:06
Speaker 1: You know?
42:07
Speaker 2: Sure? So that's smart. That's a good, very good point.
42:09
Speaker 4: That's smart because like I remember when I was dating
42:11
Speaker 4: my husband at the very start, like he would just
42:14
Speaker 4: transfer me and I would just transfer him, and like
42:17
Speaker 4: then it got to a point where we weren't transferring
42:19
Speaker 4: each other. I was just like, Oh, just get the
42:20
Speaker 4: next one, right, ran. That's kind of like how the
42:22
Speaker 4: relationship progressed. But if you know, Jess, you came out
42:25
Speaker 4: with me. Right, Let's pretend I took you out on
42:28
Speaker 4: a third Wheel weird date and Steve I would pay
42:31
Speaker 4: for you both because you're my friend, if that makes sense.
42:34
Speaker 4: So like your experience might be that I pay all
42:36
Speaker 4: the time, But why would Steve pay for you if
42:39
Speaker 4: you were invited by me?
42:40
Speaker 2: If you or my mom, that makes way more sense.
42:42
Speaker 2: It's like an example too in the context of this thing.
42:46
Speaker 5: Yeah, exactly.
42:46
Speaker 4: That's where I was like, hold up, hold up, Maybe
42:48
Speaker 4: you're only seeing that because whenever you're out for dinner,
42:52
Speaker 4: she pays because it's.
42:54
Speaker 5: Two to one, right, all right.
42:56
Speaker 4: Someone said someone needs to send her that she's on
42:59
Speaker 4: the Money podcast. Oh bless I agree, thank you, thank you,
43:02
Speaker 4: not to beck though it's not her favorite.
43:06
Speaker 6: Of it.
43:07
Speaker 4: Someone said, this is a really big red flag. I
43:09
Speaker 4: was in this circumstance and it turned into financial abuse.
43:12
Speaker 4: Someone said, please say something from a place of love,
43:15
Speaker 4: and then whatever happens is they're not on her from
43:18
Speaker 4: then on in. Someone said sisters before misters, tell her
43:23
Speaker 4: how you see it, and then give her a chance
43:25
Speaker 4: to reflect someone else has said, so the rearing. I
43:29
Speaker 4: guess outcome here is please communicate, someone said, communicate your
43:34
Speaker 4: concerns and ask how their new partner is actually contributing
43:37
Speaker 4: financially or contributing at all.
43:40
Speaker 3: Yeah.
43:40
Speaker 2: I was going to say that before actually, when you
43:42
Speaker 2: were talking about not seeing the things that they're doing, Like,
43:44
Speaker 2: what if it is one of those relationships where perhaps
43:47
Speaker 2: if someone who's better off, they contribute in other ways,
43:49
Speaker 2: because there are other ways you can contribute to relationship
43:51
Speaker 2: that aren't necessarily financial.
43:53
Speaker 5: Yeah, it's very very true. I've got one more and
43:55
Speaker 5: I like this thought pattern.
43:57
Speaker 4: Ask your mom for some advice about your quote friend
44:00
Speaker 4: who happens to be in this situation and see what
44:02
Speaker 4: she says.
44:03
Speaker 8: Cool, very good idea, and be like, oh boom, mum.
44:07
Speaker 5: It's actually you, You're the friend. I kind of like that.
44:12
Speaker 4: It's it also takes a little bit of the aggressiveness
44:16
Speaker 4: of the conversation away.
44:18
Speaker 5: Yes, talk about Beck, Yeah, talk about Victoria, talk about Jess.
44:21
Speaker 5: Your friend Victoria has this issue, what do you do?
44:24
Speaker 4: And then maybe it might prompt a conversation about her situation,
44:29
Speaker 4: or maybe you'll leave it for a week or two
44:31
Speaker 4: and then you'll go back and be like, hey, mum,
44:32
Speaker 4: I was just reflecting on that talk to my friend
44:34
Speaker 4: and it just reminded me of your circumstances. You're okay, Yeah,
44:37
Speaker 4: And then at least she's had a seed planted, and
44:39
Speaker 4: that could be a really great place to start, because honestly,
44:43
Speaker 4: no one likes being blindsided by harsh conversations. And I've
44:47
Speaker 4: said this a million times on the podcast, like, if
44:49
Speaker 4: I need to have a hard conversation with my partner,
44:52
Speaker 4: I will message him or tell him that that conversation
44:55
Speaker 4: is coming up so he can prep. Or if there's
44:57
Speaker 4: a really big decision that we need to make, I
45:00
Speaker 4: think it's unfair if in my head I'm like, all right, well,
45:02
Speaker 4: we need to make this really big decision, and I
45:04
Speaker 4: spend a whole heap of time, energy and effort researching
45:07
Speaker 4: it and understanding it, and then I go to Steve
45:09
Speaker 4: and go, hey, by the way, we need you xyz,
45:11
Speaker 4: and this is the outcome. He hasn't had that prep time.
45:14
Speaker 5: That's not fair.
45:16
Speaker 4: So maybe you know, planting the seed is a good thing,
45:18
Speaker 4: YEA many additional things before we run away my friends.
45:22
Speaker 8: No, I don't think so.
45:24
Speaker 5: I love it all right. Well, this has been a
45:25
Speaker 5: good EP.
45:26
Speaker 4: Thank you for joining us once again for our Friday
45:29
Speaker 4: episode of celebrating you, our beautiful community.
45:33
Speaker 5: We will see you one Monday, fresh and bright for
45:36
Speaker 5: a money diary. But till then, have the best weekend.
45:38
Speaker 2: My loves, my god fye.
45:46
Speaker 4: The advice shared on She's on the Money is general
45:49
Speaker 4: in nature and does not consider your individual circumstances. She's
45:53
Speaker 4: on the Money exists purely for educational purposes and should
45:56
Speaker 4: not be relied upon to make an investment or financial decision.
46:00
Speaker 4: If you do choose to buy a financial product, read
46:02
Speaker 4: the PDS TMD and obtain appropriate financial advice tailored towards
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Speaker 4: your needs. Victoria Divine and She's on the Money are
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