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When Bridal Parties Turn Into Money Dramas · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
• 0:04
  Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it. She's on the Money. She's on
• 0:36
  Speaker 2: the Money.
• 0:57
  Speaker 3: Hello, and welcome to She's on the Money, the podcast
• 1:00
  Speaker 3: that makes personal finance fun.
• 1:02
  Speaker 4: Especially on Fridays.
• 1:04
  Speaker 3: It is our favorite day of the week this week
• 1:06
  Speaker 3: because we get the team together and celebrate you our
• 1:09
  Speaker 3: incredible She's on the Money community.
• 1:12
  Speaker 4: Today, Miss Jessica Ricci is going to be sharing.
• 1:14
  Speaker 3: Her favorite money wins. Miss Becks say Ed is going
• 1:17
  Speaker 3: to be sharing her favorite brook tips. We're going to
• 1:20
  Speaker 3: be helping to answer a juicy money dilemma, which this
• 1:22
  Speaker 3: week is all about whether you have to tell your
• 1:24
  Speaker 3: bank if you move and start renting out your home
• 1:26
  Speaker 3: and we unpack something that you slid into our DMS
• 1:29
  Speaker 3: about what happens to the money you've already paid when
• 1:32
  Speaker 3: you drop out of the bridal party.
• 1:35
  Speaker 2: Wedding stuff away so juicy. So we've got a.
• 1:39
  Speaker 3: Lot of opinions, and if anybody follows me on social media,
• 1:42
  Speaker 3: you already know my opinions. But let's get straight into it.
• 1:46
  Speaker 3: This week we got a few new five star reviews.
• 1:49
  Speaker 3: Miss Beggs say, ed, could you share with us the
• 1:52
  Speaker 3: five star review you picked out to read on the show.
• 1:54
  Speaker 2: This one comes from Fiona. She says, I absolutely love
• 1:57
  Speaker 2: she has the money, educational, empowering and fun. Is amazing
• 2:00
  Speaker 2: at explaining finance in a non judgmental and very consistent way.
• 2:04
  Speaker 2: The co hosts are so fun and great. If you're
• 2:07
  Speaker 2: not listening, you should be and you won't regret it.
• 2:10
  Speaker 2: Part Let's be honest. I love that. I love that.
• 2:15
  Speaker 3: This is just like a boost the team's ego session
• 2:19
  Speaker 3: before we do the Friday episode and I am so
• 2:21
  Speaker 3: here for it.
• 2:22
  Speaker 4: Jess, what have you picked out this week?
• 2:23
  Speaker 5: I've got one from Chu Kwan who said I found
• 2:27
  Speaker 5: this one incidentally and I'm now hooked onto. It so relatable,
• 2:31
  Speaker 5: very helpful, supportive and informative podcast about money by women
• 2:35
  Speaker 5: for women, presented in a fun and enjoyable format.
• 2:37
  Speaker 3: I love that makes fun, which is something that I
• 2:41
  Speaker 3: never thought I would say, Like, let's be honest, go
• 2:44
  Speaker 3: back like ten years, hey e, you're going to work
• 2:46
  Speaker 3: in finance and.
• 2:47
  Speaker 4: You're gonna make it fun.
• 2:48
  Speaker 3: I'd be like, I can't think of anything worse, So
• 2:50
  Speaker 3: thank you anyway, look at us now, all right, I
• 2:55
  Speaker 3: have one and it is from Fari.
• 2:57
  Speaker 4: So Fari has said I have bingeen to.
• 3:00
  Speaker 3: She's on the Money podcasts for years now, and it
• 3:03
  Speaker 3: keeps me consistently coming back. Victoria is truly passionate about
• 3:07
  Speaker 3: financial literacy, and every word she utters sounds genuine.
• 3:10
  Speaker 2: It is sometimes unhinged.
• 3:14
  Speaker 3: I love Jessie humor and independent thoughts. Bex liight bulb
• 3:18
  Speaker 3: moments are the cutest. The diversity of the interviews is.
• 3:22
  Speaker 4: A very strong point.
• 3:23
  Speaker 3: I'm not ashamed to admit that your podcast in books
• 3:25
  Speaker 3: have changed my life. Fee keep up the great work, ladies,
• 3:28
  Speaker 3: and thank you for your weekly shows.
• 3:31
  Speaker 2: Oh my god, that's a cute, sweet little bold moments.
• 3:35
  Speaker 3: But it's so true, Like my one of my favorite
• 3:37
  Speaker 3: things about this show is when I'm explaining something in
• 3:39
  Speaker 3: a deep dipe tune, you go, oh, yes.
• 3:43
  Speaker 2: So you get it. Yeah, yeah, yeah, because.
• 3:46
  Speaker 3: We all knew that you didn't read the script before
• 3:48
  Speaker 3: we record it, absolutely not.
• 3:50
  Speaker 2: Was it in your inbox?
• 3:52
  Speaker 4: Yes?
• 3:53
  Speaker 2: Yes, did you read it?
• 3:54
  Speaker 3: No?
• 3:54
  Speaker 4: But I mean, yollow, you do what you can do.
• 3:57
  Speaker 6: I just want I just want to hear it from
• 3:59
  Speaker 6: the horse's mouth.
• 4:00
  Speaker 2: That's that's fair. That's fair.
• 4:02
  Speaker 4: And Jess, I mean someone thinks so funny.
• 4:05
  Speaker 2: I will take that because I say to you guys all.
• 4:07
  Speaker 5: You're like, I'm not funny. I can't say funny. I'm
• 4:09
  Speaker 5: not a funny person, so that are always funny. But
• 4:14
  Speaker 5: that just made it.
• 4:14
  Speaker 2: This can be the woman fuzzy, easy guy.
• 4:17
  Speaker 4: I think it's so funny.
• 4:18
  Speaker 3: And I didn't point out, oh, someone thinks it funny, Jess,
• 4:20
  Speaker 3: because I'm being mean. I'm literally like Jess always says
• 4:22
  Speaker 3: I'm not funny because I'm always like, why are you
• 4:25
  Speaker 3: so funny?
• 4:26
  Speaker 2: In the background, she'll say stuffy.
• 4:27
  Speaker 3: She's a bit more reserved on the show because she's like, oh,
• 4:30
  Speaker 3: I don't want to seem silly, Jess, just crack her.
• 4:34
  Speaker 2: She is like she's a silly goose.
• 4:37
  Speaker 3: Yeah, she actually a silly goose. All right, Jess, what
• 4:41
  Speaker 3: have you got when it comes to money wins and
• 4:43
  Speaker 3: convensions from the community this week?
• 4:45
  Speaker 5: There were so many good ones this week on the thread.
• 4:47
  Speaker 5: You guys, you should definitely if anyone's listening and it
• 4:49
  Speaker 5: hasn't read it, you.
• 4:50
  Speaker 2: Should go have a look.
• 4:51
  Speaker 5: Because I have so many that I screenshoted it. I'm
• 4:53
  Speaker 5: like rapid fire, Right, what have we got? Firstly, I've
• 4:56
  Speaker 5: got one from Chantelle said money win. Last week, I
• 4:58
  Speaker 5: took up uber each having on the weekends when my
• 5:01
  Speaker 5: kids are with their dad so it can stop myself
• 5:03
  Speaker 5: from doing the social media doom scroll and get out
• 5:06
  Speaker 5: of the crappy dating scene. We've been there, and she said, Plus,
• 5:09
  Speaker 5: I'm saving the money to get my kids to FEEDI
• 5:11
  Speaker 5: next year to celebrate me turning.
• 5:12
  Speaker 2: Forty queen behavior and I love.
• 5:17
  Speaker 5: I always forget that you can just pick up like
• 5:19
  Speaker 5: an uber e. It's or something like if times are tough,
• 5:21
  Speaker 5: it's not a commitment, right, like you just do it when.
• 5:23
  Speaker 3: It suits, and like, how good that you've got some flexibility.
• 5:25
  Speaker 3: I know that, Like obviously most people don't go into
• 5:29
  Speaker 3: a relationship, have a kid with the idea that you'll
• 5:31
  Speaker 3: co parent one day. But like, I love the idea
• 5:33
  Speaker 3: that you're using the time where your kids are away
• 5:36
  Speaker 3: to really help you financially and put you in the
• 5:39
  Speaker 3: best possible position because it means that when your kids
• 5:41
  Speaker 3: with you, you can spend more.
• 5:42
  Speaker 4: Quality time with them.
• 5:43
  Speaker 2: Like, isn't that cute?
• 5:44
  Speaker 5: Yeah, chantale. Next, I've got one from Riley, who said
• 5:48
  Speaker 5: money win. We did our frozen embryo transfer and paid
• 5:51
  Speaker 5: one nine hundred and eighty five dollars out of pocket,
• 5:54
  Speaker 5: but turns out we got one thousand, six hundred and
• 5:56
  Speaker 5: forty two dollars back thanks to Medicare redates.
• 5:59
  Speaker 4: Cool, but it really so cheap.
• 6:01
  Speaker 2: I didn't realize.
• 6:02
  Speaker 5: I mean, I'm sure there's probably lots of other bits
• 6:04
  Speaker 5: and pieces she had to do and pay. Sure, but
• 6:06
  Speaker 5: that's a great thing from rebates. I didn't realize it
• 6:09
  Speaker 5: was such a significant coverage.
• 6:11
  Speaker 4: Also sending all of the sticky baby love. Yes, that
• 6:14
  Speaker 4: is a very sticky baby.
• 6:15
  Speaker 2: One hundred percent.
• 6:17
  Speaker 5: Next, I've got a money went from Sarah who said,
• 6:19
  Speaker 5: I'm in love with the Stanley cup aesthetic, but I'm
• 6:22
  Speaker 5: terrible with drink bottles. And didn't want to waste the
• 6:24
  Speaker 5: money if I ended up hating it, and she hashtagged
• 6:27
  Speaker 5: I don't even know how to say AUDHD life like AUDHD,
• 6:30
  Speaker 5: life like.
• 6:32
  Speaker 2: The combo. Yeah, and also hashtag drink goblin, which made
• 6:35
  Speaker 2: me giggle.
• 6:37
  Speaker 4: You're a drink goblin, aren't you?
• 6:39
  Speaker 2: Jess? Absolutely, I just has.
• 6:41
  Speaker 3: Her Stanley cup and like it's a full aesthetic Like
• 6:43
  Speaker 3: last year for Christmas, Jess bought me because I also
• 6:46
  Speaker 3: have a Stanley cup. Just bought me a little like
• 6:49
  Speaker 3: gadget that goes on the top of my Stanley cup
• 6:51
  Speaker 3: that I can keep my snacks in.
• 6:52
  Speaker 7: Yeah.
• 6:53
  Speaker 2: Oh, that's it's really so cute.
• 6:55
  Speaker 6: Not drinking.
• 6:57
  Speaker 2: Water, she is a hydrated. But Sarah said she got
• 7:03
  Speaker 2: a dup from kmart.
• 7:04
  Speaker 5: It was only fifteen dollars and she's in her hot
• 7:07
  Speaker 5: car all day.
• 7:08
  Speaker 2: She loved it.
• 7:08
  Speaker 5: It still had icy in it twenty four hours after
• 7:10
  Speaker 5: feeling it. Oh wow, So if you don't feel like
• 7:12
  Speaker 5: dropping what is that like sixty bucks or something on
• 7:14
  Speaker 5: a Stanley.
• 7:14
  Speaker 3: More than sixty our Oh and also like we just
• 7:18
  Speaker 3: needed to wait a little bit of time and then
• 7:21
  Speaker 3: Camart came through with the goods.
• 7:22
  Speaker 4: Like I saw those I'm always in Kmar.
• 7:25
  Speaker 3: I didn't buy it because I was like, I already
• 7:27
  Speaker 3: have one, but I was looking at them. They're identical,
• 7:30
  Speaker 3: except they just don't have the logo, like someone is
• 7:32
  Speaker 3: mass producing them and importing them and like I'm here
• 7:35
  Speaker 3: for it.
• 7:35
  Speaker 5: Yeah, fifteen dollars, you can't go wrong. Next, I've got
• 7:38
  Speaker 5: money in from Danielle, who said she was preparing for
• 7:41
  Speaker 5: Matt leave and she read a comment on an old
• 7:43
  Speaker 5: Facebook post in a group that said to contact your
• 7:45
  Speaker 5: super fund because they might be able to pause the
• 7:48
  Speaker 5: fees for the period that you're on materially. So she
• 7:50
  Speaker 5: checked in with her super fund and turns out they do,
• 7:53
  Speaker 5: in fact do it. She just needed her work to
• 7:54
  Speaker 5: do some paperwork for her. But she's really happy because
• 7:57
  Speaker 5: her super was about to crack one hundred K and
• 8:00
  Speaker 5: didn't want to slip back under with fees while she's
• 8:01
  Speaker 5: not with Cool.
• 8:03
  Speaker 2: So you go. If you're going on Matt Lee.
• 8:05
  Speaker 4: I love that.
• 8:06
  Speaker 3: Also, maybe start talking to your partner, if you have
• 8:08
  Speaker 3: a partner and you're going through the you know, Matt
• 8:10
  Speaker 3: leave journey, about splitting some super ross into your account
• 8:15
  Speaker 3: so that you don't go backwards.
• 8:17
  Speaker 4: Yes, that could be a very attractive conversation.
• 8:19
  Speaker 2: Absolutely could be funny. We love to see it.
• 8:22
  Speaker 5: Next, I've got a money in from Natasha, who said,
• 8:24
  Speaker 5: because it's officially Christmas season, Queen, I've been looking for
• 8:27
  Speaker 5: a big bow to go on my front door.
• 8:29
  Speaker 2: Which this is a very like this is in your area.
• 8:33
  Speaker 3: But also this is so relevant because Jess, I've been
• 8:35
  Speaker 3: sending you videos of people decorating their houses and putting
• 8:39
  Speaker 3: bows on their doors on every platform. I see this
• 8:43
  Speaker 3: Instagram video, see this TikTok video or YouTube shorts. Hey, Jess,
• 8:46
  Speaker 3: look at this video of people putting bows on things.
• 8:49
  Speaker 5: Everything in my house will in fact be covered with bows.
• 8:51
  Speaker 5: And Natasha said she originally was looking for the big
• 8:54
  Speaker 5: red door ones you guy's probably seen. They're like forty
• 8:57
  Speaker 5: five to seventy dollars on Amazon, and then she went
• 8:59
  Speaker 5: to the rejection and they had the same style for
• 9:01
  Speaker 5: twenty ducks.
• 9:02
  Speaker 2: And you're going to put one on your door? I think,
• 9:04
  Speaker 2: so front door. I feel like it's very cute.
• 9:06
  Speaker 6: It is cute too, It's like your house of the present. Yeah, okay,
• 9:11
  Speaker 6: and maybe not, that's maybe not.
• 9:12
  Speaker 2: What the vibe is.
• 9:13
  Speaker 3: That's yeah, you like wrap your front door it's really cute.
• 9:19
  Speaker 5: I did, in fact put a picture in the group
• 9:20
  Speaker 5: so you can see the musum in for you.
• 9:22
  Speaker 2: Oh God, like that. Oh that's very cute. The door
• 9:27
  Speaker 2: is in and it's.
• 9:28
  Speaker 4: Like chul as well. It looks like one of the
• 9:30
  Speaker 4: really nice ones is really expensive.
• 9:32
  Speaker 3: Because I was at Spotlight the other day because I
• 9:34
  Speaker 3: am actually in my like home crafting era. Of course,
• 9:37
  Speaker 3: I didn't realize this was going to come back out
• 9:42
  Speaker 3: because like when I was younger, I used.
• 9:43
  Speaker 4: To do a lot of like I was really cool, so.
• 9:46
  Speaker 3: Just debating, of course, stating team captain, did athletics, all
• 9:50
  Speaker 3: of those things. But I used to when I was
• 9:54
  Speaker 3: sixteen be really into embroidery, so I'd make lots of things.
• 9:58
  Speaker 3: And now I have a baby and it's coming into
• 10:00
  Speaker 3: Christmas season, I'm like, oh my god, like I want
• 10:04
  Speaker 3: to make him everything. So I'm currently making him Santa
• 10:07
  Speaker 3: sac and like I'm embroidering a couple of like T
• 10:10
  Speaker 3: shirts for Christmas, so he's got like little Christmas T shirts.
• 10:13
  Speaker 3: Like I just I have this overwhelming urge to make
• 10:17
  Speaker 3: things for my child and decorate my house more obnoxiously.
• 10:21
  Speaker 2: Than I ever have before.
• 10:22
  Speaker 3: But ChIL At spotlight incredibly expensive, so that's actually a
• 10:26
  Speaker 3: really good deal to me.
• 10:28
  Speaker 5: Go, I'm exad to see how all your little crafties
• 10:30
  Speaker 5: turn out. I can't wait.
• 10:31
  Speaker 3: She'll come over because like, my partner doesn't care that
• 10:33
  Speaker 3: much about putting the Christmas.
• 10:36
  Speaker 4: Right exactly exactly.
• 10:38
  Speaker 3: So again, my fill in partner just comes over, yes,
• 10:42
  Speaker 3: and we drink cocktails, festive cocktails.
• 10:46
  Speaker 4: Listen, what did we have last year? We had cranberry?
• 10:50
  Speaker 2: There was something red.
• 10:51
  Speaker 3: Yeah, we had cranberry, I think Martini's or something. And
• 10:55
  Speaker 3: we played Christmas music and we put my tree up
• 10:58
  Speaker 3: and we danced with our cat or sorry, my cats,
• 11:01
  Speaker 3: her cat kind of and we addressed the pets up.
• 11:04
  Speaker 3: And then my husband came home and was like, what are.
• 11:05
  Speaker 4: You two doing?
• 11:06
  Speaker 2: And we were get.
• 11:07
  Speaker 3: Out, get out, I can't wait. We looked at him like,
• 11:15
  Speaker 3: you know, stunned DearS, being like, what have you.
• 11:18
  Speaker 2: Come across Alpha?
• 11:22
  Speaker 6: Oh my god, that's so cute.
• 11:24
  Speaker 2: I have two more money been sorry.
• 11:27
  Speaker 5: One from Leah who said she's been saving her Flyboys
• 11:30
  Speaker 5: points for a new barbecue and she claimed it yesterday.
• 11:32
  Speaker 5: So she had a whole barbecue from Bunnings because she
• 11:35
  Speaker 5: exchanged the points for Bunnings vouchers picked it up. It's
• 11:38
  Speaker 5: like a big fancy one. Look, we love a photo.
• 11:43
  Speaker 3: I love a photo like I feel like pet Taxi
• 11:46
  Speaker 3: is really good. Obviously that will continue to be a
• 11:48
  Speaker 3: rule in our group. But also show me what you
• 11:51
  Speaker 3: have to It feels like group chat. Yeah, oh you
• 11:54
  Speaker 3: got a new barbecue. I want to see it.
• 11:56
  Speaker 5: Don't just tell me you too, So redeem those points
• 11:59
  Speaker 5: if you can, and lotstly coming into Christmas, maybe you
• 12:02
  Speaker 5: could try and redeem some points at Christmas time to
• 12:05
  Speaker 5: use for presents.
• 12:07
  Speaker 2: They'd dealt with.
• 12:08
  Speaker 5: Cards and stuff, which I think makes it a lot easier. Lastly,
• 12:11
  Speaker 5: this week, I've got my name from Kerry, which I'm
• 12:12
  Speaker 5: going to look into this because I'm doing.
• 12:15
  Speaker 2: This, She said.
• 12:15
  Speaker 5: She downgraded her Apple iCloud subscription, which is normally fourteen
• 12:19
  Speaker 5: ninety nine, which is I know what I pay to
• 12:21
  Speaker 5: five dollars. She said, I took screenshots because the whole
• 12:25
  Speaker 5: process was difficult to downgrade, and she thinks this is
• 12:28
  Speaker 5: intentional to make it like hard cool to get it cheaper. Yes,
• 12:31
  Speaker 5: and then apparently they charged at the old price and
• 12:33
  Speaker 5: she had to email them to say hey, like I
• 12:34
  Speaker 5: dowbn it was a whole thing, but they canceled it.
• 12:37
  Speaker 5: They issued the refund, and she says, if you adjust
• 12:39
  Speaker 5: your pricing for the year. She managed to resubscribe to
• 12:43
  Speaker 5: the one ninety nine a month, so she only pays
• 12:46
  Speaker 5: like twenty four.
• 12:46
  Speaker 3: Bucks for the hour instead of one hundred and eighty.
• 12:48
  Speaker 3: Oh that's great, so good, that's worthy saving. The muck
• 12:51
  Speaker 3: around shouldn't exist, but that is worth putting the work in. Absolutely,
• 12:54
  Speaker 3: And yeah, Kerry said, just wanted to let everyone know.
• 12:56
  Speaker 3: Check your subscription, see if you can downgrade.
• 12:58
  Speaker 2: So everybody this weekend, that's what we're all doing.
• 13:01
  Speaker 4: That's what we're all doing.
• 13:02
  Speaker 3: And we're canceling out our Netflix or our stand that
• 13:05
  Speaker 3: we don't actually use.
• 13:06
  Speaker 6: I can go to seven ninety nine.
• 13:10
  Speaker 4: Version.
• 13:10
  Speaker 3: And I am so mad that they are charging many
• 13:15
  Speaker 3: If you're having ads on your show, your show should
• 13:18
  Speaker 3: be free.
• 13:19
  Speaker 2: Yeah, well, love, it doesn't.
• 13:20
  Speaker 4: I'll be watching Free to Wear.
• 13:22
  Speaker 2: Is it less frequent than TV ads? Yes, that's the thing.
• 13:25
  Speaker 6: It's actually not that bad.
• 13:26
  Speaker 2: Yeah, it's also like one ad every movie. Sorry.
• 13:29
  Speaker 3: Yeah, and it's also because we're in Australia, so like
• 13:31
  Speaker 3: not that many advertisers, No, not that many advertisers have
• 13:35
  Speaker 3: got Netflix advertising yet, and obviously if you're like a
• 13:38
  Speaker 3: Telco company, we're not going to have a T and
• 13:40
  Speaker 3: TV advertised here. So like in America, I've heard when
• 13:44
  Speaker 3: I say I've heard I've watched a TikTok, we all
• 13:45
  Speaker 3: do that right, Like, oh my god, I was reading
• 13:47
  Speaker 3: something the other day. No, Victoria, you're on TikTok. You
• 13:50
  Speaker 3: just chronically online and you're trying to downplay that. I
• 13:52
  Speaker 3: was watching TikTok's about how the American Netflix is really
• 13:55
  Speaker 3: addy but ours kind of gotten away.
• 13:58
  Speaker 4: A little bit's got free for now.
• 14:00
  Speaker 2: Absolutely like that Jess or that job.
• 14:03
  Speaker 5: But there you go.
• 14:04
  Speaker 3: Jess is going to update her Christmas door, She's going
• 14:07
  Speaker 3: to look into her fly Bys points, she's going to
• 14:08
  Speaker 3: downgrade her Apple, like do you start driving?
• 14:12
  Speaker 4: Like I feel like there's so much.
• 14:14
  Speaker 6: Genuinely and thinking about it.
• 14:15
  Speaker 2: That's a fantastic idea.
• 14:17
  Speaker 3: I feel like this was a very ess list of
• 14:20
  Speaker 3: the Stanley Cup. Like, honestly, Beck, what have you got
• 14:24
  Speaker 3: when it comes to broke tips?
• 14:25
  Speaker 2: Okay, just really quickly on the subscription thing. If anyone's listening,
• 14:28
  Speaker 2: could tell me I have a one dollar forty nine
• 14:30
  Speaker 2: charge from Apple that constantly comes out no matter if
• 14:32
  Speaker 2: I create a new account, I don't still have it
• 14:35
  Speaker 2: Apple anything. You have a MacBook, You have a MacBook
• 14:39
  Speaker 2: that's a work one dragon that still counts. I don't
• 14:41
  Speaker 2: know every single account I've ever created without putting any
• 14:44
  Speaker 2: details in an Apple charge.
• 14:47
  Speaker 6: I don't know how it's happening.
• 14:47
  Speaker 2: But anyway, if anyone is listening and knows the answer.
• 14:50
  Speaker 5: We don't know the you know what?
• 14:52
  Speaker 4: You could do?
• 14:53
  Speaker 2: Email Apple?
• 14:54
  Speaker 6: Oh you know, I don't really like life.
• 14:56
  Speaker 7: You know what?
• 14:57
  Speaker 3: You ask one point eight million people on the Sheet's
• 15:00
  Speaker 3: on the Money podcast instead of one email to someone
• 15:02
  Speaker 3: who actually knows you, do you boom?
• 15:06
  Speaker 7: But I'll try.
• 15:07
  Speaker 6: I'll try.
• 15:08
  Speaker 2: Okay, So this first one comes from one of our
• 15:11
  Speaker 2: listeners and they send me a TikTok. That's basically, you know,
• 15:15
  Speaker 2: if you have like any some resource, yes, you know,
• 15:19
  Speaker 2: have different ones for that you can propagate.
• 15:21
  Speaker 3: There's ways to like make it last longer. Yeahapagating herbs
• 15:26
  Speaker 3: at the moment. Yeah, I think it's a fantastic idea.
• 15:28
  Speaker 2: You can deal it with basically any anything that comes
• 15:31
  Speaker 2: from the ground, right.
• 15:32
  Speaker 3: Are also sorry sidetrack completely. I am in my local
• 15:36
  Speaker 3: Facebook group for my postcode, which is obviously very niche
• 15:40
  Speaker 3: I know you you know, like I mean, people the
• 15:45
  Speaker 3: other day were posting where are herbs and they were
• 15:49
  Speaker 3: like on on Berkley Street there are a few, you know,
• 15:52
  Speaker 3: rosemary bushes and whatnot. Check your Facebook group and if
• 15:55
  Speaker 3: the Facebook group doesn't have it, ask because so many
• 15:58
  Speaker 3: people have like free herb in their front garden and
• 16:01
  Speaker 3: coming up to Christmas, don't spend four dollars on a
• 16:04
  Speaker 3: packet of rosemary. Yes, like we all know that you're
• 16:07
  Speaker 3: probably going to need to because your last minute, but
• 16:11
  Speaker 3: have a look around, have a forage, have a forage. Yeah,
• 16:14
  Speaker 3: it's actually fantastic.
• 16:15
  Speaker 4: Do you know what my best hip is?
• 16:17
  Speaker 3: What if you're going to pick the rosemary, are you
• 16:20
  Speaker 3: going to pick any type of herb that has been
• 16:23
  Speaker 3: like free range?
• 16:25
  Speaker 4: Is that the right word.
• 16:26
  Speaker 2: I don't know, you know, just make sure it's.
• 16:28
  Speaker 3: Above dog pea heights.
• 16:33
  Speaker 6: Fantastic.
• 16:34
  Speaker 2: It's a great point.
• 16:35
  Speaker 4: It's a great point.
• 16:37
  Speaker 2: And like dude, yeah, like drunken male, yes, yeah, like
• 16:43
  Speaker 2: above whiz level.
• 16:46
  Speaker 3: So that's my tip for today. Sorry for the side tracking,
• 16:49
  Speaker 3: but yes, propagate your plants.
• 16:51
  Speaker 6: That's actually a great one.
• 16:52
  Speaker 2: And check your yes, check your local community page if
• 16:55
  Speaker 2: you have one, if you're part of one, and.
• 16:56
  Speaker 3: If you're going to do sorry, I'm a plants lady
• 16:57
  Speaker 3: as well embroidery plants lady.
• 16:59
  Speaker 2: I'm just in a wholesome error. Yeah, anyway, it's so cute.
• 17:03
  Speaker 2: Thank you.
• 17:03
  Speaker 3: If you get mint, you just strip off the bottom
• 17:05
  Speaker 3: leaves and chuck it in a cup of water.
• 17:07
  Speaker 7: That's it.
• 17:07
  Speaker 6: Yeah, yeah, that's it.
• 17:08
  Speaker 4: And mine already have little tentacles.
• 17:10
  Speaker 2: There you go.
• 17:11
  Speaker 4: They're called roots, but tentacles.
• 17:13
  Speaker 2: They do look a bit spooky for the first few months.
• 17:14
  Speaker 2: But okay, so this one is similar to that. But
• 17:17
  Speaker 2: the TikTok showed someone putting a bunch of herbs in
• 17:21
  Speaker 2: like a little mason jar with water, and then putting
• 17:24
  Speaker 2: a larger mason jar on top. And then this doesn't
• 17:28
  Speaker 2: make sense right now, but you put the lid on
• 17:32
  Speaker 2: the bench, you put the little mason jar on top
• 17:36
  Speaker 2: of the lid and with water with the bunch, and
• 17:38
  Speaker 2: then you put the bigger mason jar on top. You
• 17:40
  Speaker 2: screw it together so like a snow globe exactly, so
• 17:44
  Speaker 2: it's like air tight sealed and mason jar to make
• 17:49
  Speaker 2: it last longer. I think in the fridge or whatever.
• 17:52
  Speaker 2: Your herbs in the fridge and it dies in.
• 17:54
  Speaker 4: Honestly, that sounds so complicated that I prefer my homes to.
• 18:00
  Speaker 2: Promise.
• 18:00
  Speaker 6: I've made it sound way, way, way more.
• 18:02
  Speaker 2: But that's a good tip. What's your next one? Okay,
• 18:04
  Speaker 2: the next one come from actually a friend of mine
• 18:06
  Speaker 2: who I do this too. I know it's a bit cheeky,
• 18:08
  Speaker 2: but if you're going away, if you're going to like
• 18:10
  Speaker 2: stay to hotel or go into a restaurant called the
• 18:12
  Speaker 2: tiny toilet trees, you can take the tiny toiletrees your
• 18:15
  Speaker 2: bags full of them from every time.
• 18:16
  Speaker 3: I basically just please chip it upside into my luggage
• 18:22
  Speaker 3: if you're not allowed. That's honestly, if you're not taking
• 18:24
  Speaker 3: the tiny toilet trees when you stay out a hotel, No,
• 18:32
  Speaker 3: you're not taking the tiny toilet trees. You probably live
• 18:35
  Speaker 3: a far more privileged life than any of us at AH,
• 18:38
  Speaker 3: but you need the tiny toilet trees.
• 18:39
  Speaker 2: You've never had to buy an aail file or a
• 18:41
  Speaker 2: shower cap.
• 18:42
  Speaker 6: True, I mean yeah, I guess they just throw them out.
• 18:44
  Speaker 3: Sometimes I feel so bougie when I steal the toothbrushes,
• 18:47
  Speaker 3: because then if I have friends stay over I'm like toothbrush.
• 18:51
  Speaker 2: Yeah, that's a flex when you're like, oh, I actually
• 18:53
  Speaker 2: have a speared tooth.
• 18:53
  Speaker 3: Yeah, and it's like a hotel one and you get
• 18:55
  Speaker 3: it in the box and you get the tiny toothpaste.
• 18:57
  Speaker 2: Oh my god, you got your life together exactly.
• 19:00
  Speaker 4: Of course, I'm meant thief.
• 19:02
  Speaker 6: But on the set in the same vein as that
• 19:05
  Speaker 6: kind of thing.
• 19:06
  Speaker 2: I think, if you're going to get to a restaurant
• 19:08
  Speaker 2: or a hotel whatever, if you mentioned that it's like
• 19:10
  Speaker 2: an anniversary or a birthday, things like that or whatever
• 19:14
  Speaker 2: it is you. I mean, this has happened to me
• 19:16
  Speaker 2: a couple of times. Okay, yes, we walked into me
• 19:20
  Speaker 2: and my best friendly have stated the soft tail for
• 19:22
  Speaker 2: no reason. We just had a bunch of money one
• 19:24
  Speaker 2: day and were like, let's just go crazy as we
• 19:26
  Speaker 2: say the soft tail. We told them that we were
• 19:27
  Speaker 2: dating into our anniversary. We got bottle of champagne. We
• 19:30
  Speaker 2: got macaroons, macaroons that we call them all macaroons and macarons,
• 19:37
  Speaker 2: the circle caron French ones, and the macaroons they actually
• 19:42
  Speaker 2: coconut based. Oh that's try it. Yes, not, they're delicious
• 19:46
  Speaker 2: coconut ones. The other ones and.
• 19:50
  Speaker 4: Macaroon.
• 19:50
  Speaker 2: Oh well, now that's as hurting macaron.
• 19:56
  Speaker 4: Everyone's already stopped listening.
• 19:59
  Speaker 6: By guys. If you're still here, thank you so much.
• 20:02
  Speaker 2: But yeah, I just I'll just say, you know, throw
• 20:04
  Speaker 2: it in there, just say it's an anniversary, a birthday.
• 20:05
  Speaker 2: Will see whatever.
• 20:07
  Speaker 5: Just remember if you go to the same place multiple times,
• 20:09
  Speaker 5: they might put like a note on your file.
• 20:11
  Speaker 2: So that's true.
• 20:12
  Speaker 3: Yes, just switch up your hotels and hotels all the
• 20:16
  Speaker 3: time for the free champagne.
• 20:17
  Speaker 4: You're probably can afford the shit pain.
• 20:19
  Speaker 2: True, that's true.
• 20:21
  Speaker 6: That's true. So maybe if you have enough money to
• 20:23
  Speaker 6: be going to these places, don't be doing it.
• 20:24
  Speaker 2: Just kidding you can still.
• 20:25
  Speaker 3: But also I find it low key embarrassing at restaurants
• 20:28
  Speaker 3: if they know it's my birthday and they come across.
• 20:31
  Speaker 3: So like, if anybody goes to lunch with me and
• 20:34
  Speaker 3: it's my birthday, I will actually find you and I
• 20:37
  Speaker 3: will harm you.
• 20:39
  Speaker 2: I love it. Everyone looks like everyone's attention For a second.
• 20:46
  Speaker 3: I was at dinner the other night celebrating our actual
• 20:49
  Speaker 3: like my wedding anniversary with my husband a couple of
• 20:51
  Speaker 3: weeks ago, and it happened to a table like they
• 20:54
  Speaker 3: were having a birthday, and like the waiters were like
• 20:57
  Speaker 3: clapping in the air, and all the other tables got involve, don't.
• 21:00
  Speaker 3: I just had secondhand embarrassment. I was like, I'm so
• 21:02
  Speaker 3: glad that when we booked we didn't tell anybody why
• 21:05
  Speaker 3: we were coming. And when they when they were like, oh,
• 21:07
  Speaker 3: are you celebrating anything special? When we walked in, I
• 21:09
  Speaker 3: was like, Nah, can't we just come here all the
• 21:11
  Speaker 3: time with my brother? Yeah, we're coming for a pub?
• 21:17
  Speaker 2: Yeah, yeah, exactly, what's yours mind's bit of it like
• 21:21
  Speaker 2: a money win but also like a broke tip. But
• 21:23
  Speaker 2: it's all it's kind of common knowledge anyway. So I
• 21:25
  Speaker 2: bought these like sashets sashets from woods. You can also
• 21:29
  Speaker 2: get really good ones Frowndy. You know, there's like cappuccino
• 21:31
  Speaker 2: ones minimal like minimal sugar, like if not you know,
• 21:35
  Speaker 2: I sugar personally, but if you're like conscious of that,
• 21:39
  Speaker 2: we can't get the ones. It's just like a little
• 21:42
  Speaker 2: bit milky, a little bit coffee, you know, just they're.
• 21:45
  Speaker 3: Full of like palm oil. But you just don't think
• 21:47
  Speaker 3: about it too. I don't know, but I just start
• 21:50
  Speaker 3: out of mind. Yeah, exactly, Like they're good for the.
• 21:52
  Speaker 2: Soul, totally, totally, but I would say, yeah, if you can,
• 21:56
  Speaker 2: hopefully you can find an ethical one that's sourced.
• 21:59
  Speaker 3: Oh no, no, no, I doesn't even talk about ethics.
• 22:01
  Speaker 3: I'm talking about you're healthier to fix, sure, but like
• 22:04
  Speaker 3: they're probably just full of trash.
• 22:06
  Speaker 2: Hey, that's okay. Basically what I do is I every
• 22:09
  Speaker 2: time I make myself one of those, I put my
• 22:12
  Speaker 2: soy milk. I got those little like you know, there's
• 22:13
  Speaker 2: one dollar like the buzzers.
• 22:15
  Speaker 4: Yeah, the but of those, that's exactly how I.
• 22:17
  Speaker 2: Do it too, Yes, and you just froth your your
• 22:19
  Speaker 2: milk like that and it actually turns out pretty similar.
• 22:21
  Speaker 2: So every time I do that, because it's like ten
• 22:23
  Speaker 2: pack for five bucks, it's.
• 22:27
  Speaker 4: They often go on sale.
• 22:29
  Speaker 2: They do often go on sale, and they actually taste
• 22:31
  Speaker 2: really delicious.
• 22:32
  Speaker 3: My favorite is I think it's is it Nest Cafe,
• 22:34
  Speaker 3: but they have a milky bar one, so it's coffee.
• 22:39
  Speaker 3: I told you I don't pick the healthy ones, butter delicious.
• 22:42
  Speaker 2: That doesn't sound good.
• 22:43
  Speaker 6: Yeah, that just sounds great.
• 22:44
  Speaker 2: So yeah, you just make Basically every time I make
• 22:46
  Speaker 2: one of those, I would usually have spent six dollars
• 22:48
  Speaker 2: fifty on my coffee.
• 22:49
  Speaker 6: That's how much my coffee is.
• 22:50
  Speaker 2: Because you get the large, boy, I do get a
• 22:52
  Speaker 2: large and soy milk. So every time I do that,
• 22:55
  Speaker 2: instead of paying for the coffee, I transfer that exact
• 22:58
  Speaker 2: amount to Shade a Genieah. Right now have nothing because
• 23:01
  Speaker 2: I have depleted that account again. But the money was
• 23:04
  Speaker 2: there for you to deplete exactly exactly, so you don't
• 23:08
  Speaker 2: think about it because you're just buying coffees and then
• 23:09
  Speaker 2: that money's gone. Now has to say things.
• 23:12
  Speaker 3: Account you're saying sorry, sorry, have you been playing with
• 23:16
  Speaker 3: your budget in cash flo.
• 23:17
  Speaker 2: It's a little bit you know, nothing to write home
• 23:20
  Speaker 2: out at the moment, but it exists. It exists now.
• 23:23
  Speaker 4: Yeah, I'm so proud of.
• 23:26
  Speaker 2: Yeah, if you'll be thank you so much. Doesn't feel good,
• 23:30
  Speaker 2: it feels really good. Looks like sometimes it's thirteen bucks
• 23:32
  Speaker 2: in there, but that's still more than enough for me.
• 23:35
  Speaker 2: That is so much more than you didn't have exactly,
• 23:38
  Speaker 2: And I feel like so many people like, what's the point.
• 23:41
  Speaker 3: And it's like even if over a year, like let's
• 23:43
  Speaker 3: be honest, times are freaking tough, even if every year
• 23:46
  Speaker 3: you end up with like fifty bucks in that account
• 23:49
  Speaker 3: bill pops up like you have cash instead of having
• 23:53
  Speaker 3: to rely on debt like and it feels good knowing
• 23:55
  Speaker 3: that there's some money sitting to the.
• 23:57
  Speaker 2: Side, exactly, lean on exactly. It's a good feeling. Yes,
• 24:02
  Speaker 2: that's me. I love this for you, so so much,
• 24:06
  Speaker 2: so much.
• 24:07
  Speaker 3: All right, let's go to a really quick break because
• 24:09
  Speaker 3: on the flip side, I'm really excited to talk about this. First,
• 24:12
  Speaker 3: we're going to be talking about whether you need to
• 24:14
  Speaker 3: tell your bank if you move and start renting out
• 24:16
  Speaker 3: your home, which is very relevant because I talk about
• 24:19
  Speaker 3: purchasing homes all the time.
• 24:21
  Speaker 2: But then something a.
• 24:22
  Speaker 3: Little bit spicy that you split into our dms about
• 24:25
  Speaker 3: this week, we're going to be asking what happens to
• 24:27
  Speaker 3: the money you've already paid when you drop out.
• 24:29
  Speaker 4: Of the bridle party.
• 24:31
  Speaker 3: I'm going to need to know why you dropped out
• 24:32
  Speaker 3: of the bridal party.
• 24:33
  Speaker 4: There's just so much there. All right, guys, don't go anywhere.
• 24:40
  Speaker 2: Welcome back everyone. Let's take a listen to this week's
• 24:43
  Speaker 2: money dilemma.
• 24:46
  Speaker 3: Hi, there, have you got a money dilemma you just
• 24:48
  Speaker 3: can't solve? The Sheese on the Money Team is here
• 24:51
  Speaker 3: to help. Every week we tackle your dilemmas both big
• 24:54
  Speaker 3: and small to answer your most burning money, career and
• 24:57
  Speaker 3: life questions. To get involved, simply to our website and
• 25:00
  Speaker 3: leave us a short voice recording and you might just
• 25:03
  Speaker 3: find yourself on the show.
• 25:04
  Speaker 4: Now, let's take a listen to this week's money dilemma.
• 25:10
  Speaker 7: Hi, team, My money dilemma is that I'm thinking of
• 25:13
  Speaker 7: renting out the property that I've lived in and owned
• 25:16
  Speaker 7: for six years while I go work into state for
• 25:20
  Speaker 7: one or two years. But does this mean I have
• 25:22
  Speaker 7: to change my home loan to an investment loan? They
• 25:26
  Speaker 7: often have high interest rates. I plan on returning to
• 25:29
  Speaker 7: the property and living it and again in one to
• 25:32
  Speaker 7: two years. Just wasn't really sure if I have to
• 25:35
  Speaker 7: tell my bank if I rent out my property for
• 25:38
  Speaker 7: a short time.
• 25:39
  Speaker 2: Thanks, I'm going to be so for real.
• 25:41
  Speaker 5: I didn't even know that investor loans were a thing,
• 25:44
  Speaker 5: much less what the difference is or what you do
• 25:45
  Speaker 5: with them.
• 25:46
  Speaker 2: So to handle this one straight.
• 25:47
  Speaker 3: To it, Well, Jess, you wouldn't know that because the
• 25:52
  Speaker 3: process that you're going through, and when you sat down
• 25:55
  Speaker 3: with one of the Zella money brokers, they would have
• 25:57
  Speaker 3: said what do you want and you said, I want
• 25:59
  Speaker 3: to purchase my own home, and they would have said,
• 26:01
  Speaker 3: do you plan a living in the property, and you
• 26:03
  Speaker 3: would have said, absolutely, I do.
• 26:04
  Speaker 4: I'm very excited.
• 26:05
  Speaker 3: So they would have gone down the root of what's
• 26:07
  Speaker 3: called an owner occupy a loan, and those usually carry
• 26:11
  Speaker 3: lower interest rates than an investment property loan. And there's
• 26:15
  Speaker 3: a number of different reasons for this. Obviously, the risk
• 26:18
  Speaker 3: is higher when it's an investment because it's not your
• 26:20
  Speaker 3: family home, more likely to be like damaged or whatnot.
• 26:24
  Speaker 3: But then also you're able to claim an investment on
• 26:27
  Speaker 3: tasks of course, right, so the bankers, I won't say
• 26:30
  Speaker 3: they're taking advantage, but like, I don't like that they're different,
• 26:33
  Speaker 3: but they are very different. In fact, there's been a
• 26:35
  Speaker 3: few times, and this is why you have to be
• 26:37
  Speaker 3: really honest with your broker when you know a broker
• 26:42
  Speaker 3: has been applying for an owner OC loan, so they've
• 26:45
  Speaker 3: been applying for the loan where you're going to live
• 26:47
  Speaker 3: in the property, and then the client's like, yeah, yeah,
• 26:50
  Speaker 3: I'm going to rent it out, and their broker's like, ah,
• 26:53
  Speaker 3: I can't legally sign you up to this, because once
• 26:56
  Speaker 3: your broker knows some information, they can't not do anything.
• 27:00
  Speaker 3: About it, like we are you know, at the end
• 27:02
  Speaker 3: of the day, ethical and moral and like we can't
• 27:05
  Speaker 3: lie on your behalf to a bank, like we don't
• 27:07
  Speaker 3: want to lose our license even if you're like, but
• 27:09
  Speaker 3: I just want the only OK loan because it'll be
• 27:11
  Speaker 3: lower interest rate, Like I get that, But also the
• 27:14
  Speaker 3: investment is what lines you up? So too long didn't read. Yes,
• 27:18
  Speaker 3: you do need to tell your bank that you're moving.
• 27:20
  Speaker 3: It's actually in your terms and conditions of the line
• 27:22
  Speaker 3: that you have with your bank. Yeah, there are a
• 27:24
  Speaker 3: heap of them. So when you sign up, you'll get
• 27:26
  Speaker 3: all your banking docs and in that it will say
• 27:28
  Speaker 3: if you move, you need to tell us. Also, did
• 27:31
  Speaker 3: you know you need to tell your bank if you're renovating.
• 27:33
  Speaker 4: Really, yeah, you need to tell your bank.
• 27:37
  Speaker 3: But like they technically own your property, Jess, Like they're
• 27:41
  Speaker 3: the ones that have looked at your property and gone, hey, Jess,
• 27:44
  Speaker 3: we are going to lend some money to you to
• 27:46
  Speaker 3: purchase this particular property and they're putting a security over
• 27:50
  Speaker 3: that property that if hypothetically Jess wasn't funny anymore and
• 27:53
  Speaker 3: she left, she's on the money and she lost a job.
• 27:57
  Speaker 3: Like they could sell the property and make their money.
• 28:00
  Speaker 3: But if you bulldoze the bloody house, yeah it's worthless.
• 28:04
  Speaker 3: So they don't want you to do that without approval.
• 28:06
  Speaker 3: So this is where reading your terms and conditions is
• 28:10
  Speaker 3: really important because it will say in your terms and
• 28:12
  Speaker 3: conditions that you need to keep the bank aware of
• 28:15
  Speaker 3: this any changes. Even if you go, oh, it's only
• 28:18
  Speaker 3: small and just redoing the bathrooms, bank needs to note
• 28:20
  Speaker 3: they're not going to care that much. But also it'll
• 28:22
  Speaker 3: probably add to the value, so it's not a bad thing.
• 28:25
  Speaker 3: But if you're moving out, you do need to talk
• 28:27
  Speaker 3: to somebody.
• 28:28
  Speaker 2: I have heard.
• 28:29
  Speaker 3: Stories is because I like live on oz finance on
• 28:32
  Speaker 3: Reddit where someone was literally dabbed in by a friend
• 28:36
  Speaker 3: to their bank.
• 28:36
  Speaker 2: Isn't the dodge that's so many?
• 28:39
  Speaker 4: Exactly so bad?
• 28:41
  Speaker 3: They were dubbed in by their friend who called the
• 28:43
  Speaker 3: bank and said, did you know that Jess has moved
• 28:45
  Speaker 3: out of the property and is no longer owner? Ok,
• 28:48
  Speaker 3: and the bank just changed their loan without any conversation,
• 28:51
  Speaker 3: without any permission, up to a higher interest rate and
• 28:54
  Speaker 3: moved them over to an investment loan as opposed to
• 28:57
  Speaker 3: an owner OK loan, And like I was like, through.
• 29:00
  Speaker 6: Do they didn't even check to make sure this is mine.
• 29:02
  Speaker 3: I know. Anyway, I just thought that's obviously one dog
• 29:06
  Speaker 3: of your friend to tell you in that is not
• 29:10
  Speaker 3: a friend indeed. But also I didn't realize that they
• 29:13
  Speaker 3: took it as seriously, Whereas we've dealt with clients who
• 29:16
  Speaker 3: are like, oh, V, because obviously I own a mortgage
• 29:18
  Speaker 3: breaking company r V, We're going to move out of
• 29:20
  Speaker 3: the property and do X Y Z, and it's fine.
• 29:23
  Speaker 3: We've called the bank on their behalf, and some banks
• 29:25
  Speaker 3: are like, oh, what's their plan. Oh, they're moving back
• 29:28
  Speaker 3: in in six months. They're just moving. The bank's like,
• 29:30
  Speaker 3: don't worry, we've put it on file. They're not going
• 29:32
  Speaker 3: to change it because they're going to be moving back in.
• 29:35
  Speaker 3: But it's a conversation to have with your your lender,
• 29:38
  Speaker 3: because at the end of the day, it's all about risk.
• 29:41
  Speaker 3: It's all about making sure that you're doing the right thing.
• 29:44
  Speaker 3: And they could actually be like, hey, we're no longer
• 29:46
  Speaker 3: going to lend.
• 29:46
  Speaker 2: To you, so you need to sell up the property.
• 29:48
  Speaker 3: Oh scary really what they found out. If they found out,
• 29:53
  Speaker 3: they could absolutely take action. At the end of the day,
• 29:56
  Speaker 3: if you're renting out your home while paying it off.
• 29:58
  Speaker 3: It has to be an investment loan back. It's not sexy,
• 30:02
  Speaker 3: it's not nice because obviously it's a higher interest rate.
• 30:05
  Speaker 3: But if you do decide while you are living in
• 30:09
  Speaker 3: your home to rent out your home and go from
• 30:12
  Speaker 3: an owner occupy alone, you're probably going to need to refinance.
• 30:16
  Speaker 3: And if you lie, there are some pretty serious consequences.
• 30:19
  Speaker 3: I mean, they'll give you warning. But one of the
• 30:21
  Speaker 3: examples when I was looking into some terms and conditions
• 30:24
  Speaker 3: is that the bank, this bank that I looked into
• 30:27
  Speaker 3: not naming and shaming, the bank said you've got thirty
• 30:31
  Speaker 3: days to pay off the balance that is owing, at
• 30:33
  Speaker 3: which point the lender might sell the property to recoup
• 30:35
  Speaker 3: the money. With that, it feels aggressive, so it can
• 30:38
  Speaker 3: be really aggressive. But it's really important to understand that guys,
• 30:42
  Speaker 3: it's twenty twenty four and data matching and whatnot exists,
• 30:46
  Speaker 3: and the bank will report to the ATO because the
• 30:50
  Speaker 3: ATO is going to care about what you're claiming. Right,
• 30:52
  Speaker 3: So if you move out of your property, you're probably
• 30:54
  Speaker 3: thinking it's an investment. Now I'm going to be able
• 30:57
  Speaker 3: to claim a heap of expenses and you're claiming in things.
• 31:00
  Speaker 3: But then the bank finds out that you're not actually
• 31:03
  Speaker 3: paying the right loan, you could be found out, so
• 31:05
  Speaker 3: it's not like they aren't on top of it. And
• 31:08
  Speaker 3: banks and lenders all have their own processes for checking
• 31:12
  Speaker 3: on whether you are actually an owner occupier, and banks
• 31:15
  Speaker 3: are going to have their own processes for checking if
• 31:18
  Speaker 3: you are an owner occupier or not. So they might
• 31:20
  Speaker 3: check if you live at the property for the majority
• 31:22
  Speaker 3: of the year. They might have a look at your documentation,
• 31:25
  Speaker 3: so they might request a tax return and see that
• 31:27
  Speaker 3: your tax return or your driver's license doesn't have that
• 31:30
  Speaker 3: address on it, it has the house that you live in.
• 31:33
  Speaker 3: Or they might see someone apply for a loan and go,
• 31:37
  Speaker 3: that address is Jess's house.
• 31:39
  Speaker 4: Ah, what's going on there?
• 31:42
  Speaker 3: Did two families live at that address? And then you go, no, no, no,
• 31:45
  Speaker 3: we're renting it off Jess. So I think it's really
• 31:49
  Speaker 3: important to just be on top of it and be truthful.
• 31:52
  Speaker 3: It doesn't mean that the bank is going to charge
• 31:54
  Speaker 3: you through your nose, but it could also be something
• 31:56
  Speaker 3: that you call the bank and ask them, hey, what
• 32:00
  Speaker 3: happen if I moved out?
• 32:01
  Speaker 2: Hypothetically it's the process, but also.
• 32:04
  Speaker 3: That should be a part of your decision making process
• 32:06
  Speaker 3: if you are planning on taking like a job out
• 32:08
  Speaker 3: of state or something, to make sure that you're not
• 32:11
  Speaker 3: financially putting yourself behind.
• 32:12
  Speaker 2: Yeah, totally.
• 32:14
  Speaker 3: Anyway, I know you guys are shocked by that, But nothing.
• 32:16
  Speaker 2: To add for me except I had no idea that
• 32:18
  Speaker 2: that was a thing. You're like, that's crazy, Yeah, filing that.
• 32:21
  Speaker 4: Away for later.
• 32:22
  Speaker 2: The only thing I want add is, I'm assuming this
• 32:24
  Speaker 2: makes rental prices higher than the maybe should be for
• 32:29
  Speaker 2: because of the higher cost and a loan exactly.
• 32:32
  Speaker 3: Well, yeah, and that's something to take into consideration as well.
• 32:35
  Speaker 3: And I mean there's a lot of conversation about being
• 32:38
  Speaker 3: an ethical landlord, and like there's a very big push
• 32:41
  Speaker 3: when it comes to people who are purchasing property right
• 32:43
  Speaker 3: and you hear it on money daries where they're like, oh,
• 32:45
  Speaker 3: I have a positively gid property where the amount of
• 32:48
  Speaker 3: money that they earn from their property in rent actually
• 32:51
  Speaker 3: covers all of the mortgage. And that's really attractive. But
• 32:55
  Speaker 3: if cost of living happens and your interest rate increases
• 32:59
  Speaker 3: but you're hasn't increased, that's why a lot of landlords
• 33:02
  Speaker 3: would then turn around and be like, hey, Beck I'm
• 33:04
  Speaker 3: going to increase your rent because they don't want to
• 33:06
  Speaker 3: be financially out for it. And I think at some
• 33:08
  Speaker 3: point you need to be an ethical landlord and say, hey,
• 33:11
  Speaker 3: I took this on as an investment, and one of
• 33:13
  Speaker 3: the risks was that at some point I would have
• 33:15
  Speaker 3: to tip in some of my own money. It's actually
• 33:17
  Speaker 3: not Bex or Jess's responsibility to pay more on my
• 33:22
  Speaker 3: mortgage just because the bank's now charging me more like
• 33:25
  Speaker 3: I think you should be charged market value.
• 33:27
  Speaker 4: But that's probably a whole damn podcast in itself.
• 33:29
  Speaker 2: Sure, true, just got served a notice of INTA again.
• 33:33
  Speaker 2: It's been a year.
• 33:34
  Speaker 3: Oh, I feel like time does fly when you're having fun,
• 33:36
  Speaker 3: doesn't it?
• 33:38
  Speaker 2: How much thirty bucks a week? Yeah? Like an actually
• 33:41
  Speaker 2: thirty bucks a week? Because when I first art, I
• 33:43
  Speaker 2: was like, oh, thirty box month, that's not so bad.
• 33:44
  Speaker 2: Like obviously you're taking the meeky week. So it's literally
• 33:47
  Speaker 2: like another hundred bucks a month.
• 33:49
  Speaker 4: Be for real. You can't even get brunch these days
• 33:51
  Speaker 4: for thirty dollars a week?
• 33:52
  Speaker 3: Yeah?
• 33:53
  Speaker 2: Crazy?
• 33:54
  Speaker 5: Hey that for me?
• 33:55
  Speaker 7: All right?
• 33:55
  Speaker 3: Well, are you ready to stop this conversation and go
• 33:58
  Speaker 3: into our spicyd Absolutely? All right, so here's the damn
• 34:02
  Speaker 3: we received. Hi, she's on the money team. I would
• 34:05
  Speaker 3: love to hear your thoughts on this. I was part
• 34:07
  Speaker 3: of a bridal party, and four months out from the wedding,
• 34:10
  Speaker 3: due to personal reasons, I decided I could no longer
• 34:13
  Speaker 3: fulfill this role. I had transferred my share of the
• 34:15
  Speaker 3: payment for accommodation for a Hens weekend and was told
• 34:19
  Speaker 3: I wouldn't receive this back upon deciding to no longer go. However,
• 34:23
  Speaker 3: the Hen's party has just gone and I've seen that
• 34:26
  Speaker 3: they didn't stay at the apartment we had booked, and
• 34:29
  Speaker 3: I thought we paid for. The accommodation provider's websites state
• 34:33
  Speaker 3: that they don't take prepayment and provides a full refund
• 34:37
  Speaker 3: up until a week prior to the booking. It doesn't
• 34:39
  Speaker 3: seem right that they used my money to book and
• 34:42
  Speaker 3: or pay for something else. Is it reasonable to want
• 34:45
  Speaker 3: my share of the payment back?
• 34:46
  Speaker 4: Thanks.
• 34:47
  Speaker 2: I don't like it.
• 34:48
  Speaker 6: I don't like it. I don't like it. It feels
• 34:49
  Speaker 6: very icky.
• 34:50
  Speaker 4: It feels like it just got worse as I read
• 34:52
  Speaker 4: it out, didn't I yeah.
• 34:53
  Speaker 2: Seriously did. Because it's like, let's ignore the fact that
• 34:57
  Speaker 2: maybe someone somewhere must have lied about the pre payment situation.
• 35:01
  Speaker 2: Ew but like someone's idea is that like, oh, he's
• 35:06
  Speaker 2: a pool of money, and with this pool of money,
• 35:08
  Speaker 2: we will either you know, book this really fancy hotel
• 35:12
  Speaker 2: or whatever. It's like, that's not actually how it is working.
• 35:15
  Speaker 2: It's like everyone's paying their own kind of slice of
• 35:18
  Speaker 2: the pie. And if the pie is now smaller then
• 35:22
  Speaker 2: because I'm assuming that someone collected all the money for
• 35:25
  Speaker 2: say ten people, and then one person pulls out and like,
• 35:28
  Speaker 2: oh cool, we have the money for ten, but we
• 35:31
  Speaker 2: now just have to divide it by nine, you know.
• 35:34
  Speaker 2: And it's like that I understand if you couldn't get
• 35:37
  Speaker 2: your money back, you still have to stay at the
• 35:39
  Speaker 2: same place. But they've taken that money, not even considered
• 35:42
  Speaker 2: the person who has to drop out, probably for some
• 35:44
  Speaker 2: good reason, I assume, and it's like, thank you so
• 35:48
  Speaker 2: much for giving us a little bit more, We're going
• 35:50
  Speaker 2: to go here instead, and now we just have a
• 35:51
  Speaker 2: little bit more cash to splash. I just think that's
• 35:53
  Speaker 2: really really mean, and that's not actually how it works.
• 35:56
  Speaker 3: Yeah, And I mean, I'm so interested in why you
• 35:59
  Speaker 3: drop down, But I have a sninky suspicion because.
• 36:02
  Speaker 4: You have terrible friends.
• 36:05
  Speaker 6: Yes, and it's and it's it's just like a big fight.
• 36:08
  Speaker 4: It sounds really mean me I meant it. Yeah, just
• 36:12
  Speaker 4: what do you think?
• 36:13
  Speaker 2: I agree?
• 36:14
  Speaker 5: I think like, as you said, back, if they hadn't
• 36:16
  Speaker 5: been able to get the money back and you had
• 36:17
  Speaker 5: pulled out, I think that like you've already committed. I
• 36:21
  Speaker 5: don't think it's reasonable to ask the money back because
• 36:22
  Speaker 5: then people have.
• 36:23
  Speaker 2: To cover you.
• 36:25
  Speaker 5: But the fact that they changed the venue, unless they
• 36:28
  Speaker 5: had already changed the venue ahead of time and she
• 36:31
  Speaker 5: didn't know, I don't know it Just yeah, I agree.
• 36:34
  Speaker 5: I think that it's a bit icky that they had
• 36:37
  Speaker 5: maybe the flexibility and didn't give it back because as
• 36:40
  Speaker 5: you said, like, theoretically you're covering x amount of rooms.
• 36:42
  Speaker 5: Everyone's put in an x amount to cover X amount
• 36:44
  Speaker 5: of rooms, and you need one less room.
• 36:48
  Speaker 3: We all know, I was about to say, we all
• 36:49
  Speaker 3: know on like a bridal trip, people are sharing rooms
• 36:53
  Speaker 3: or getting apartments that you know, oh, one of us
• 36:56
  Speaker 3: will sleep on the couch, Like, I don't know. I'm
• 36:58
  Speaker 3: not justifying it because I think that she should have
• 37:01
  Speaker 3: got her money back. But I think that her friends
• 37:04
  Speaker 3: might see it a little bit differently, that they were like, oh, well,
• 37:06
  Speaker 3: when this person was involved, we you know, let everybody
• 37:09
  Speaker 3: know we could have this type of accommodation. But now
• 37:11
  Speaker 3: they've pulled out, we would have to change it. So
• 37:13
  Speaker 3: we're going to keep their part of the budgeting. Like
• 37:16
  Speaker 3: I could see maybe as as we like talking about it,
• 37:18
  Speaker 3: maybe like if you had two girls to every room,
• 37:20
  Speaker 3: for example, yeah, like and then you're okay, well, one
• 37:22
  Speaker 3: girl's going to have a single room.
• 37:24
  Speaker 2: Because she shouldn't have charge her more because she just
• 37:28
  Speaker 2: has someone.
• 37:28
  Speaker 5: But then if she pays the same amount as everyone else,
• 37:30
  Speaker 5: is everyone else going to be pissed off because she's
• 37:32
  Speaker 5: got a single room but they're all paying the same amount.
• 37:34
  Speaker 5: Like I can see how it does get a little
• 37:36
  Speaker 5: bit messy.
• 37:37
  Speaker 2: Ultimately.
• 37:37
  Speaker 3: I think like it's probably a conversation that they should
• 37:39
  Speaker 3: have had with you, Like they should have said, hey,
• 37:41
  Speaker 3: like X y Z, we already allocated, like we've pre
• 37:45
  Speaker 3: booked a different hotel, or you know, we're going to
• 37:47
  Speaker 3: have to charge someone double or whatever. At least had
• 37:50
  Speaker 3: the conversation. I think you're well within your rights to
• 37:52
  Speaker 3: ask it back or to at least raise it and say, hey,
• 37:54
  Speaker 3: like you know, I understood that if it was non refundable.
• 37:58
  Speaker 3: Like I was never going to ask for that money back,
• 38:00
  Speaker 3: but doubt it was refundable, So like, is there a
• 38:03
  Speaker 3: chance for that money to come? I think that's a
• 38:05
  Speaker 3: very reasonable conversation to have. I would put together a
• 38:07
  Speaker 3: nice message and basically ask that, I think on the
• 38:10
  Speaker 3: flip side as well as somebody who has had to
• 38:13
  Speaker 3: I wasn't in the bridal party, but I had to
• 38:15
  Speaker 3: pull out of a Hen's party because I was really pregnant.
• 38:19
  Speaker 3: And it is back when I had so I had
• 38:21
  Speaker 3: like preclampsy when I was pregnant, right, So my entire day,
• 38:26
  Speaker 3: every single day when I was pregnant, was really dictated
• 38:28
  Speaker 3: by my blood pressure. So I would wake up and
• 38:31
  Speaker 3: I would do my blood pressure, and if I did
• 38:32
  Speaker 3: my blood pressure that day, and it was often one
• 38:35
  Speaker 3: eighty over like one ten, which was cooked, I'd have
• 38:37
  Speaker 3: to go into the hospital and like deal with it.
• 38:39
  Speaker 3: It was actually the biggest shit show, remember, Jess, Like
• 38:42
  Speaker 3: it was very it was like, oh, hey, Jess, sorry,
• 38:44
  Speaker 3: I was about to come into recording. Now I can't
• 38:46
  Speaker 3: come into recording because I have to go to the hospital.
• 38:48
  Speaker 3: Or like the flip side, where it was like really
• 38:50
  Speaker 3: high and my doctor would say, if it's this level,
• 38:52
  Speaker 3: you actually just have to stay in bed that day,
• 38:54
  Speaker 3: like not moving. And then some other days my blood
• 38:57
  Speaker 3: pressure was fine and I'd be like, Jess, it's on.
• 38:59
  Speaker 3: Should we be like some more podcasts out right? So
• 39:01
  Speaker 3: like every day was different. But I remember having to
• 39:04
  Speaker 3: literally pull out the day of a Hen's party and
• 39:09
  Speaker 3: be like, hey, really sorry, I can't come when I
• 39:11
  Speaker 3: was like thirty eight weeks pregnant, so I was pushing
• 39:13
  Speaker 3: it already, but can't come. Would have loved to come,
• 39:17
  Speaker 3: but I'm not allowed. And at that point, I just
• 39:20
  Speaker 3: knew that that was a cost that the entire time
• 39:23
  Speaker 3: I might lose, but I wanted to be involved. And
• 39:26
  Speaker 3: I wonder if at this point, when you paid, that's
• 39:30
  Speaker 3: the cost of now missing out, Like that you paid that, yes,
• 39:33
  Speaker 3: you had to pull out, but like is that a
• 39:35
  Speaker 3: just a lost cause? Like I don't know, Like go
• 39:38
  Speaker 3: to other things too, Like if there's a dinner or
• 39:41
  Speaker 3: an activity like a you know, flower crowd making or
• 39:44
  Speaker 3: perfume making or whatever you're doing, like has something else
• 39:46
  Speaker 3: been paid for? And shout out to the person that
• 39:49
  Speaker 3: has to organize the henscript chat and like collect payments
• 39:52
  Speaker 3: because that's hard because you're right, there might not have
• 39:54
  Speaker 3: been any prepayment, So like you might be on the
• 39:56
  Speaker 3: website and it might say, oh, you can have a
• 39:58
  Speaker 3: complete one hundred percent fun. But like I have been
• 40:01
  Speaker 3: the person that has organized a hens before and I'm like, okay, cool,
• 40:05
  Speaker 3: so drinks and food are going to be this, and
• 40:07
  Speaker 3: we'll make sure that we have you know, pre drinks
• 40:09
  Speaker 3: at the hotel. And then there's like some accommodation. Okay, guys,
• 40:12
  Speaker 3: it's two hundred and fifty dollars ahead.
• 40:15
  Speaker 4: I don't have.
• 40:16
  Speaker 3: At the time, I didn't have the budget to cover
• 40:17
  Speaker 3: all of that. So before I booked in anything, I
• 40:19
  Speaker 3: was asking all the girls, can you just transfer me
• 40:22
  Speaker 3: the cash because like, this is how much I need?
• 40:24
  Speaker 3: And then I would go and book everything out, like
• 40:27
  Speaker 3: and that is what.
• 40:28
  Speaker 4: If I went the other way?
• 40:29
  Speaker 2: Yeah, what if someone didn't transfer and you had to
• 40:31
  Speaker 2: cover it?
• 40:31
  Speaker 4: Yeah, which always happens.
• 40:34
  Speaker 3: Like just if you commit to doing something, just transfer
• 40:37
  Speaker 3: the cash I get it, or have an open conversation
• 40:40
  Speaker 3: and be like, hey, v I really want to be involved,
• 40:43
  Speaker 3: but I don't have two hundred and fifty bucks. But
• 40:45
  Speaker 3: the events in December, is there any way I can
• 40:47
  Speaker 3: like pay you off over time, or like what can
• 40:49
  Speaker 3: I do? And at that point I might be like, oh,
• 40:51
  Speaker 3: don't worry, girlfriend, I only need to lock in the
• 40:54
  Speaker 3: accommodation and like that's not the full amount, so like
• 40:57
  Speaker 3: just transfer what you.
• 40:58
  Speaker 4: Can and we'll like work it.
• 40:58
  Speaker 2: Like we'll work it out.
• 40:59
  Speaker 3: But so many people go like stone cold silent and
• 41:02
  Speaker 3: don't have these money. Is awkward, but like have the
• 41:06
  Speaker 3: conversation because I can promise someone coming to me and
• 41:08
  Speaker 3: being like, hey, b I don't have the two fifty
• 41:10
  Speaker 3: or whatever it has been decided is the amount, but
• 41:14
  Speaker 3: I'll get it to you on this date or I'll
• 41:15
  Speaker 3: do it.
• 41:16
  Speaker 2: I don't care, Like I'll work it out. But like
• 41:19
  Speaker 2: if you just go radio signed and how awkward it
• 41:21
  Speaker 2: is to follow you up?
• 41:22
  Speaker 4: I hate that. Don't do that to people.
• 41:24
  Speaker 5: Yeah, so it sounds like our listener did the right thing,
• 41:27
  Speaker 5: like they let them know early. But it just maybe
• 41:29
  Speaker 5: it was a failure of the friends to have the
• 41:31
  Speaker 5: communication that they need to have. So I think you
• 41:34
  Speaker 5: ask for it back and see what happens. But so
• 41:36
  Speaker 5: we asked the community, do you think it's fair for
• 41:38
  Speaker 5: the group to keep her money? Seventy three percent of
• 41:40
  Speaker 5: you said no, she's owed her money back.
• 41:43
  Speaker 4: I kind of agree.
• 41:43
  Speaker 3: I was trying to play Devil's advocate and like be like, oh,
• 41:45
  Speaker 3: but what if, And then twenty seven percent of you said, yep,
• 41:48
  Speaker 3: she stepped down, it's a sunk cost. The next question
• 41:52
  Speaker 3: I asked was, would you ask for a refund if
• 41:55
  Speaker 3: you were in her shoes? Sixty seven percent of you
• 41:58
  Speaker 3: said absolutely, they changed plans, and thirty three percent of
• 42:01
  Speaker 3: you said no, just take it as a loss and
• 42:03
  Speaker 3: move on. I would always ask for a refund. I
• 42:07
  Speaker 3: feel like always if you don't ask, you don't care exactly,
• 42:10
  Speaker 3: and if you're kind about it, like, hey, I know
• 42:13
  Speaker 3: I pulled out. I'm hoping this hasn't like financially impacted anybody.
• 42:18
  Speaker 3: But I was wondering, given you know, and give them
• 42:21
  Speaker 3: a little bit of invoke, so like you know that
• 42:23
  Speaker 3: the way, like the hotel was refundable. Yeah, I know,
• 42:26
  Speaker 3: the hotel's refundable. So I was just wondering if I
• 42:28
  Speaker 3: could get you know, the money I transferred you back,
• 42:31
  Speaker 3: Like if they say no, you are well within your
• 42:33
  Speaker 3: rights to say, hey, I'd love to understand a bit
• 42:35
  Speaker 3: more about like why, like where is it gone? Like
• 42:37
  Speaker 3: surely it's just sitting in your account because they don't
• 42:39
  Speaker 3: charge you until you check in, like have that conversation
• 42:42
  Speaker 3: because you might learn, oh, well, actually you transferred one
• 42:46
  Speaker 3: hundred dollars and the accommodation per head was actually fifty
• 42:50
  Speaker 3: and I've spent another fifty on the entertainment and the
• 42:53
  Speaker 3: food and the drill, like and that's been and that's
• 42:55
  Speaker 3: been painful, and like now we're going to have to
• 42:58
  Speaker 3: like spread your cost across the other girls. And I
• 43:00
  Speaker 3: don't feel like it's fair to charge Jess and beck
• 43:03
  Speaker 3: more like do you know what I mean? Like they
• 43:04
  Speaker 3: could explain it, and you go, oh, actually, that makes
• 43:06
  Speaker 3: a lot of sense for having a chat totally.
• 43:09
  Speaker 2: And when you can see that there's there's a good
• 43:10
  Speaker 2: reason for it, cause I'm sure that this other person
• 43:12
  Speaker 2: has like valid points, it makes you just feel better
• 43:15
  Speaker 2: knowing like, oh, okay, I have lost that money, but
• 43:17
  Speaker 2: now I understand why.
• 43:18
  Speaker 4: But at least I don't feel like I've been taken
• 43:19
  Speaker 4: advantage of.
• 43:20
  Speaker 2: Yeah, maybe I give you like.
• 43:21
  Speaker 5: The hotel portion like in that example, I can give
• 43:23
  Speaker 5: you like the room for portion back, but not the
• 43:25
  Speaker 5: food that you know they couldn't refund or whatever.
• 43:27
  Speaker 2: One hundred percent.
• 43:28
  Speaker 3: And I guess there's a good reminder that before booking
• 43:31
  Speaker 3: in anything for Hen's parties or group things like, have
• 43:34
  Speaker 3: in the group chat a conversation about budget. It can
• 43:37
  Speaker 3: feel awkward bringing it up, but be like, hey, guys,
• 43:39
  Speaker 3: we want to do like a weekend for Jess because
• 43:42
  Speaker 3: she's getting married. I don't even think just wants to
• 43:44
  Speaker 3: get married, but like hypothetically we're having a weekend for Jess. Yeah,
• 43:48
  Speaker 3: and I just want to know, like, what what budget
• 43:52
  Speaker 3: would you be happy to allocate to this? And some
• 43:54
  Speaker 3: people we've done I've done this before. Reply and be like, hey,
• 43:57
  Speaker 3: I have one hundred dollars that I could allocate. But
• 44:00
  Speaker 3: if you guys did like a house thing, I wouldn't
• 44:02
  Speaker 3: have to stay, like I'd go home that night, and
• 44:04
  Speaker 3: like ask people because like they might have kids, or
• 44:07
  Speaker 3: they might have different plans, or they might not want
• 44:09
  Speaker 3: to do or sleepover. So that you can get a
• 44:11
  Speaker 3: guys on like okay, cool, Well you know twenty people
• 44:14
  Speaker 3: will come, but six of those people actually want accommodation. Yeah,
• 44:18
  Speaker 3: so that you're not fighting off more than you can
• 44:20
  Speaker 3: chew and charging people for more, do you know what
• 44:23
  Speaker 3: I mean?
• 44:23
  Speaker 7: Yeah?
• 44:24
  Speaker 3: Very true Anyway, we did go to the community and
• 44:26
  Speaker 3: said what is your two cents? And I have a
• 44:28
  Speaker 3: lot of different opinions to share with you guys. So
• 44:30
  Speaker 3: first person said what they did sucks, but I'd be
• 44:33
  Speaker 3: burying the hatchet and keep.
• 44:35
  Speaker 4: A map of where you leave it as pertata.
• 44:41
  Speaker 3: Someone else said, what bride's expect of others to spend
• 44:44
  Speaker 3: for their wedding is too much?
• 44:45
  Speaker 4: It's just a day, and it's this good point.
• 44:49
  Speaker 2: I don't want to say too much here, but I agree.
• 44:51
  Speaker 2: I don't think that we should be spending any money
• 44:54
  Speaker 2: on someone else's I get it sometimes.
• 44:56
  Speaker 4: Right, I agree.
• 44:57
  Speaker 3: So I'm a bit spicy and I have been crucified
• 44:59
  Speaker 3: for this, but none of my bride'smaids paid for a thing,
• 45:04
  Speaker 3: and that's very entitled because obviously I had the budget
• 45:07
  Speaker 3: for it. But I was very much of the opinion,
• 45:09
  Speaker 3: as was my husband, that we didn't want to get
• 45:11
  Speaker 3: married until we were in a financial position where I
• 45:14
  Speaker 3: didn't make my wedding a financial burden on somebody else. Yeah,
• 45:18
  Speaker 3: and potentially that's you know, because I'm in finance and
• 45:21
  Speaker 3: I talk about it all the time, and you hear
• 45:23
  Speaker 3: these things, and we have these conversations. But like I
• 45:25
  Speaker 3: just remember being like bridesmaid's dresses I will be paying
• 45:28
  Speaker 3: for because it's the dress I want you to wear.
• 45:32
  Speaker 3: And again being a little bit spicy, you're a bit
• 45:35
  Speaker 3: delusional if you think you're going to pick a matching
• 45:37
  Speaker 3: bridesmaid's dress and then try and convince Jess. Don't worry, babe, Like,
• 45:41
  Speaker 3: if you spend four hundred dollars on dress, you'll probably
• 45:43
  Speaker 3: wear it again.
• 45:43
  Speaker 2: Because just hemet and wear it again.
• 45:45
  Speaker 4: Nobody's gonna hamm it and wear it again. Nobody like nobody.
• 45:50
  Speaker 3: Yeah, anyway, I've just got a lot of opinions about this,
• 45:53
  Speaker 3: but I was very much of the opinion that my
• 45:55
  Speaker 3: wedding day shouldn't put a financial burden on other people. Yeah,
• 45:59
  Speaker 3: and so we've paid for everything. Does that mean that
• 46:02
  Speaker 3: I think everyone should do that? No, because everybody has
• 46:05
  Speaker 3: different budgets. But I think everybody should have open, honest
• 46:08
  Speaker 3: conversations about that. Like if I was to ask you
• 46:12
  Speaker 3: Beck to be my bridesmaid, we should be having a
• 46:14
  Speaker 3: bit of a conversation up front, like, oh my god,
• 46:16
  Speaker 3: you want to be my bridesmaid, and you go.
• 46:19
  Speaker 2: I'd love that, But like, also, what are the expectations totally.
• 46:22
  Speaker 6: I think got the money for bridesmaids.
• 46:24
  Speaker 4: Yeah, exactly.
• 46:24
  Speaker 3: But if I said, hey, Beck, I'd love you to
• 46:26
  Speaker 3: be my bridesmaid, by the way, I wouldn't ever want
• 46:29
  Speaker 3: this to be a financial burden on you.
• 46:31
  Speaker 4: I'll be covering everything.
• 46:32
  Speaker 2: You might go, oh, okay, I would.
• 46:34
  Speaker 3: Actually love that, like I would love to be involved. Like,
• 46:36
  Speaker 3: thanks for thinking of me. But you're right, Beck, it's
• 46:39
  Speaker 3: not your day. Why are you paying so much? We're
• 46:42
  Speaker 3: in a cost of living crisis. We are all worried
• 46:44
  Speaker 3: about groceries, We're worried about our electrical bills, and then
• 46:47
  Speaker 3: all of a sudden, your mate's getting married and a
• 46:50
  Speaker 3: three hundred dollars dress seems to be reasonable.
• 46:52
  Speaker 2: To ask you to purchase. I know, stressful.
• 46:56
  Speaker 3: You need matching shoes, like I have a pair of
• 46:59
  Speaker 3: new shoes. Why can't I just wag anyway, It's like
• 47:02
  Speaker 3: a whole conversation. I just obviously I am a little
• 47:05
  Speaker 3: bit heated about it.
• 47:06
  Speaker 6: Back, I completely get it.
• 47:08
  Speaker 4: More comments from the community.
• 47:09
  Speaker 3: One person said, if they stayed at the original accommodation,
• 47:12
  Speaker 3: she would have had to take the loss, but they didn't,
• 47:14
  Speaker 3: so she should get her money back. Someone else said,
• 47:17
  Speaker 3: there's never any harm in asking. That's what VD would say.
• 47:20
  Speaker 3: If they say no, I'd take it.
• 47:23
  Speaker 2: Yeah.
• 47:24
  Speaker 3: Someone else said, people are real weird about Hens. You'd
• 47:27
  Speaker 3: need to be willing to lose a friendship or the money.
• 47:30
  Speaker 3: They do seem like they can be a dramatic sometimes,
• 47:32
  Speaker 3: don't they.
• 47:32
  Speaker 2: Yeah, it's actually terrifying.
• 47:35
  Speaker 3: Someone else said, I wouldn't let the money in this
• 47:37
  Speaker 3: instance come between what I assume is a close relationship.
• 47:42
  Speaker 3: But also where's the goss? Like why don't we know why?
• 47:46
  Speaker 3: I know you said personal reasons, but like girl, it
• 47:50
  Speaker 3: was anonymous, I need to know.
• 47:52
  Speaker 6: I need to know it's a message.
• 47:53
  Speaker 4: Yeah, like we need to know.
• 47:55
  Speaker 3: Someone else said people kept pulling out of my hands
• 47:57
  Speaker 3: and it got super frustrating and hard.
• 48:00
  Speaker 2: Oh I can understand that.
• 48:01
  Speaker 4: I totally get that.
• 48:02
  Speaker 2: Good perspective.
• 48:03
  Speaker 3: I totally get that. And if you've already paid and
• 48:05
  Speaker 3: then people are pulling out of the Hens party because
• 48:07
  Speaker 3: you've probably allocated the budget, but we're talking about bride
• 48:10
  Speaker 3: or party, like one of your bridesmaids has left, and
• 48:13
  Speaker 3: if that kept happening to.
• 48:14
  Speaker 4: You, I'm so sorry.
• 48:15
  Speaker 2: Yeah, that would be really hard.
• 48:17
  Speaker 4: I like three bridesmaids can you.
• 48:19
  Speaker 3: Imagine if people kept pulling out and would have had nothing,
• 48:22
  Speaker 3: and someone else said, and we'll leave it here. It's
• 48:25
  Speaker 3: not fair on the other bridesmaids to absorb the extra
• 48:27
  Speaker 3: cost from her pulling out.
• 48:30
  Speaker 6: Yeah, it's a bit of a push.
• 48:31
  Speaker 2: And pull, isn't it.
• 48:31
  Speaker 5: Like you've got to you got to kind of figure
• 48:33
  Speaker 5: out what happened, why it happened, where the money did go,
• 48:37
  Speaker 5: and you know, I think that will probably inform whether
• 48:39
  Speaker 5: or not some of it can come back. But I think,
• 48:41
  Speaker 5: just yeah, have the conversation.
• 48:42
  Speaker 2: I'm not what's the.
• 48:43
  Speaker 3: Worst they can say, No, exactly exactly, that's so true.
• 48:48
  Speaker 3: I think with that, let's take this conversation offline. Let's
• 48:51
  Speaker 3: go buy a six dollar fifty coffee and talk about
• 48:53
  Speaker 3: a real thought about people paying for hens parties. Yeah,
• 48:57
  Speaker 3: all right, guys, have a good Friday, and we hope
• 48:59
  Speaker 3: you enjoy the weekend and we will see you bright
• 49:01
  Speaker 3: early on Monday for a money diary by guys.
• 49:03
  Speaker 2: Bye.
• 49:09
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• 49:19
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