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Are You A Smoother Or A Scruncher? · She's On The Money

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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.
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Speaker 2: Let's get into it. She's on the Money, She's on
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Speaker 2: the Money. Hello, and welcome to She's on the Money,
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Speaker 2: the podcast for millennials who want financial freedom. Today my
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Speaker 2: loves it is Friday, which means it is time to
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Speaker 2: get our team together and celebrate you our incredible She's
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Speaker 2: on the Money community. Today we're going to be sharing
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Speaker 2: our favorite money in as well. That's actually just a
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Speaker 2: great geys job. Hello. We're going to be helping answer
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Speaker 2: a juicy money dilemma, which this week is all about
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Speaker 2: how to record information on your tax return, and we're
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Speaker 2: going to be unpacking something new slid into our DMS,
1:27
Speaker 2: about which this week is all about how to have
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Speaker 2: a conversation about splitting group gifts with friends, which I
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Speaker 2: think is gonna get a little bit spicy. But we
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Speaker 2: like spicy in this team, Yes, we do, certainly do.
1:39
Speaker 3: My loves.
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Speaker 2: How have your weeks been, Jess, Let's start with you,
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Speaker 2: because I always feel like we throwed a beck.
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Speaker 3: Oh I was not ready.
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Speaker 2: I look, I looked. It's been good.
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Speaker 3: It's been a I would tell, like a normal good week,
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Speaker 3: just like doing things. It's a short week this week,
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Speaker 3: happy good Friday, be good if if you're listening.
2:01
Speaker 2: I have the day of him. We're going to do
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Speaker 2: an Easter egg stop. I'm so excited. There's so many
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Speaker 2: little humans in our friend group and family at the moment,
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Speaker 2: and I just feel like times like this I just
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Speaker 2: made so much more special when there's like little people
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Speaker 2: who are excited about fantasy, Like isn't it like Easter
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Speaker 2: Bunny's coming? And they're like, holy, Holy, is that not
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Speaker 2: the most fun thing? Ever?
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Speaker 3: Yeah, how excited they get about it is the best.
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Speaker 3: My personal favorite part of the long weekend is the
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Speaker 3: day after the long weekend when all of.
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Speaker 2: These chocolate.
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Speaker 3: I will be buying every available part of kind eggs
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Speaker 3: that exists.
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Speaker 2: Hold up kindo egg I think I don't know they're
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Speaker 2: officially Bueno, but they taste like Bueno mini eggs. Okay,
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Speaker 2: if I see any I will pick them up for you.
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Speaker 2: Because I'm a nice person, so kind, and I also
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Speaker 2: know how to bribe. I'll bring something she's not going
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Speaker 2: to share. You know what she's going to do. I'm
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Speaker 2: onto Jess. She is incredibly generous, but she's going to
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Speaker 2: bring all of her Cadbury solid eggs that she doesn't
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Speaker 2: want anymore and share those with the team. Ah and
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Speaker 2: Gate keep the kinder Yeah maybe actually okay with that,
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Speaker 2: He's still she's still incredibly generous. But like the ones
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Speaker 2: she's sold us on, you got to leave her house.
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Speaker 4: I see, I see, I see saving the best for
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Speaker 4: the best.
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Speaker 2: For the last, Like when you share a meal with somebody.
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Speaker 2: I was talking to Steve about this the other day,
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Speaker 2: and I save my favorite part of the meal to
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Speaker 2: the very end. If there's like a good bit or
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Speaker 2: something crispy or like I don't know, really like mashed potato,
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Speaker 2: I will like leave that till last and eat or
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Speaker 2: may not favorite things first Steve just eats it first.
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Speaker 2: Is that rogue?
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Speaker 1: To you?
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Speaker 2: That is rogue.
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Speaker 4: My best friend does the exact same thing, she says,
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Speaker 4: in case she gets full, she wants to eat the
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Speaker 4: best thing first. No, no, no, you had to get
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Speaker 4: it over and done with.
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Speaker 2: But what about do you eat?
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Speaker 3: Like if you have a plate with four like you've
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Speaker 3: got some corn, some peas, some mashed potatoes, and some tofu.
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Speaker 2: You don't eat meat?
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Speaker 3: Do you go section by section? Or do you have
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Speaker 3: a little bit of peas, a little bit of corn,
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Speaker 3: some taties and jump around.
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Speaker 2: If there's a boiled broccoli, this is.
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Speaker 4: I'm going to go a boiled broccoli, boiled carrot, buy
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Speaker 4: itself first so I can get it out of the way.
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Speaker 2: And you don't use those as vehicles for the.
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Speaker 4: Mass like a wetness, Like to quench your thirst while
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Speaker 4: you eat?
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Speaker 2: Sometimes I do, but I prefer to just get it
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Speaker 2: out of the way. Where is this going quench your
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Speaker 2: thirst while you beat the carrot? You get it it's juicy,
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Speaker 2: I know it's moist. No, I like hop around the
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Speaker 2: plate and I kind of it's like the other day
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Speaker 2: I got sushi rolls right, and like I love like
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Speaker 2: I think they're called the Californian roles, but I don't
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Speaker 2: get the California, and I get like the tempura veggie
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Speaker 2: and cucumber, and then I get like there's like a
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Speaker 2: tiarchy tofu and anyway, so I get three of those rolls,
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Speaker 2: I will psycho or what, I will bite all three,
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Speaker 2: taste all three of them, and decide which is the
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Speaker 2: best one. I will then put the best one to
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Speaker 2: the side, eat the other ones, and then go back
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Speaker 2: to my favorite, so that I end on my favorite
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Speaker 2: because I don't want to start one of those roles
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Speaker 2: and then realize that that was the best role that
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Speaker 2: I had.
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Speaker 3: Yeah, and they're saying they have the same stuff and
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Speaker 3: they don't.
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Speaker 2: I don't want to eat that. And then like get
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Speaker 2: to the teriarchy tofu one and it's not as good
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Speaker 2: as it usually is. So got to taste test all
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Speaker 2: of them. And yesterday the tempio vegetable and cucumba was elite,
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Speaker 2: so I just I saved that for last. Then go
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Speaker 2: and if I'm getting a bit full, to counteract your
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Speaker 2: best friend's behavior, if I'm getting a bit full, all right,
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Speaker 2: well I'm going to give up the middle food and
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Speaker 2: go directly to the end and have all my favorite
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Speaker 2: food and then we're done.
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Speaker 3: And now you know more about us than you ever
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Speaker 3: needed to know.
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Speaker 4: Anyway, there, how are you? How's your week going? My
5:52
Speaker 4: wek was so sick. The comedy vessel had started.
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Speaker 2: Oh my god.
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Speaker 4: Yeah, so I into two shows already. I want to
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Speaker 4: fit in more though. I want every second of my
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Speaker 4: day to be crammed, jam ACKed with love.
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Speaker 2: Comedy.
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Speaker 3: Such a Melbourne thing, isn't it? The comedy fast? Like
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Speaker 3: say tore it, but like it's so iconic, it's.
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Speaker 2: So good, it's so good.
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Speaker 4: So and obviously short week, Easter, whole week has just
6:16
Speaker 4: been great.
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Speaker 2: It was your favorite person you saw.
6:18
Speaker 4: I really like alex Ward, which I know is she's
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Speaker 4: not very I don't know, maybe she's famous, do.
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Speaker 2: You guys know alex Ward? No, but like you're gonna
6:24
Speaker 2: make her famous putting her on this podcast.
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Speaker 4: Basically she's like a friend and a friend and also
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Speaker 4: and I didn't know that.
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Speaker 2: At the time, so famous.
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Speaker 4: Well you know, kin' well, technically, basically I don't know you.
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Speaker 2: That is not famous. There's a difference between famous and
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Speaker 2: infamous notorious. I guess it's a good thing. I see,
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Speaker 2: I see.
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Speaker 4: I'm gonna have to Yeah, I'm gonna have to try
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Speaker 4: and figure out what those two meanings are.
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Speaker 2: But she was really really good. Have you ever seen
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Speaker 2: any No? No, Because at the moment, I think we've
6:55
Speaker 2: spoken about it, I'm not living close to the city
6:58
Speaker 2: at the moment while they finish our renovation like an
7:00
Speaker 2: hour and a half away. And this year when I
7:02
Speaker 2: was trying to work out what I could go to,
7:04
Speaker 2: I just I couldn't be bothered with the commute. And
7:06
Speaker 2: after the last month March for us was massive and
7:10
Speaker 2: we were, you know, traveling so much, I'm just like
7:13
Speaker 2: becoming really evasive of any type of travel that is
7:17
Speaker 2: not necessary. Like, if you want to put me in
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Speaker 2: a car, there's going to have to be a good
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Speaker 2: reason for it. This month fair enough. So yeah, I
7:24
Speaker 2: couldn't justify it.
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Speaker 3: Is that perhaps some money when you're saving on fuel.
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Speaker 3: Let that go with that excellent segue from me.
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Speaker 4: Actually, sorry, Discourachi before we continue. Our producer is death
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Speaker 4: to talk about because actually, all morning.
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Speaker 2: We not give up enough about how weird we are.
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Speaker 2: When we explained our process of elimination of vegetables on
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Speaker 2: our plat, think we've opened.
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Speaker 4: The door, and we need to This is the only
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Speaker 4: opportunity you're going to get.
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Speaker 2: I mean, it's Easter, so like this doesn't come up often.
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Speaker 4: No, So we just want to know because all morning
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Speaker 4: we have been eating Easter eggs, unwrapping them carefully, hollow
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Speaker 4: Easter eggs.
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Speaker 2: The big boys, yeah, like time, but I do it
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Speaker 2: with the tiny ones. To do it with the tiny ones,
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Speaker 2: and then.
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Speaker 4: Smoothing the hell out of it until it is within
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Speaker 4: an inch of its life. It's like you iron the
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Speaker 4: foil with your fingertips, yes, or some people scrunch, which no, no, no,
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Speaker 4: that's like O behavior. We have agreed that in this team,
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Speaker 4: we all are smoothers, except for our producer and also
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Speaker 4: who apparently just rips up foil like a psychopath.
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Speaker 2: I wish I had known that before I became a friend.
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Speaker 2: I don't know if she's going to continue being our producer,
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Speaker 2: but I'm not. Who doesn't meticulously unwrap a foil egg
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Speaker 2: and then smooth out the like the foil and then
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Speaker 2: if it doesn't get any rips, this particular one that
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Speaker 2: looks like glass on the back of a water bottle lid. Yeah, yep,
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Speaker 2: I did that one and then I gifted it to
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Speaker 2: Beck because it was like a book, like a magar.
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Speaker 2: Give it a little shake.
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Speaker 4: I'm going to give it a little shake in the
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Speaker 4: mic for everyone listening at home.
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Speaker 2: You can how smooth it. That's starting ISMR. It's a
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Speaker 2: money win that I gifted that to you. But Jessica,
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Speaker 2: let's segue into the community money wins, because honestly, we're
9:09
Speaker 2: gonna lose a lot of people who listen to this
9:12
Speaker 2: podcast if we continue on the currentry trategery.
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Speaker 3: All right, well, let me start with a goodie this
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Speaker 3: week from Catherine, who said, I went back into working
9:19
Speaker 3: in childcare after taking many years off. I found out
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Speaker 3: that my children get a sixty percent discount because I
9:25
Speaker 3: work in the industry. So helpful considering I've got two
9:28
Speaker 3: kids in daycare at the moment.
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Speaker 2: That's probly a really good money win.
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Speaker 3: Very good money when I feel like we might have
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Speaker 3: a few childcare workers out there. If you didn't know that,
9:35
Speaker 3: now you know.
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Speaker 2: I actually love that. You guys deserve it as well,
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Speaker 2: because you're already underpaid from my perspective, So getting a
9:43
Speaker 2: little bit of a money wins sixty percent. That command
9:46
Speaker 2: that's good, not bad.
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Speaker 3: My next win comes from Vanessa, who said, I sold
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Speaker 3: some shares that had increased by just over five hundred dollars.
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Speaker 3: They didn't align with my values, and I'll be putting
9:54
Speaker 3: the money into an ETF instead.
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Speaker 2: Oh see, that is a solid strategy. So I think
10:00
Speaker 2: when we start our investing journeys sometimes we pick things
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Speaker 2: that in a couple of years when you know more
10:06
Speaker 2: about investing. Here, oh, I wouldn't have had that, But
10:09
Speaker 2: that doesn't mean you need to dispose of them immediately,
10:12
Speaker 2: like waiting for a circumstance where they're up, they're putting
10:15
Speaker 2: you in a good position. You can then dispose of
10:17
Speaker 2: them and put them into something else like that's just
10:20
Speaker 2: smart investing behavior, guys.
10:22
Speaker 3: And as I said, you'll have some capital gains. But
10:24
Speaker 3: her brother is an accountant and he'll sort it out
10:26
Speaker 3: for her a tax time, double warnings, sick, double weird.
10:29
Speaker 3: My next one comes from Tanya, who said, I had
10:31
Speaker 3: to credit the dentist for what I thought was going
10:33
Speaker 3: to be major work. Turns out just a normal scale
10:36
Speaker 3: and polish and it was twelve dollars after my health
10:38
Speaker 3: insurance raved dollars. Who's ever gone to the dentist and
10:41
Speaker 3: walked out being what is this nineteen sixty two?
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Speaker 2: The dream just so good? Yeah? How cool is that? Yeah?
10:49
Speaker 2: The economy's five? We're all wrong, we were all wrong.
10:53
Speaker 2: That's actually incredible.
10:55
Speaker 3: My next money comes from Danielle, who said, I managed
10:57
Speaker 3: to consolidate my debt and now instead of having an
10:59
Speaker 3: all a most twenty percent interest rate, it's going to
11:01
Speaker 3: be sitting at around the eight percent mark.
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Speaker 2: Huge. Oh, how good is that? And I know that
11:06
Speaker 2: obviously being in personal debts not something we all want,
11:09
Speaker 2: but at the moment, I feel like a lot of
11:10
Speaker 2: us are going to be leaning on this and we
11:12
Speaker 2: just need to have open, honest, transparent conversations about what
11:15
Speaker 2: it takes to get by. And if that's the case,
11:19
Speaker 2: just find the best solution for you. Don't just go
11:22
Speaker 2: with the first one that comes across. And if you've
11:24
Speaker 2: got a number of personal debts, have a chat to
11:26
Speaker 2: a finance broker who could maybe sit you down and go, okay, cool,
11:30
Speaker 2: you've got you know, three debts across a credit card
11:32
Speaker 2: and maybe two personal loans. How about we whack them
11:35
Speaker 2: all together and get a lower interest rate for you.
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Speaker 3: Eight percent versus twenty percent. I Fegel got down here,
11:39
Speaker 3: so money will be something there. Yeah, and then very
11:41
Speaker 3: on them. For my last money win today from at Tina,
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Speaker 3: she said, free local Easter egg hunts are going around
11:48
Speaker 3: at this time of year. Our local real estate agent
11:50
Speaker 3: put an Easter egg hunt on for kids under twelve,
11:52
Speaker 3: free ice cream and coffee, prize and color and competitions,
11:55
Speaker 3: and then our daycare center will also be putting on
11:57
Speaker 3: an Easter egg hunt.
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Speaker 2: Oh love. This made me think a lot.
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Speaker 3: My local council does one every year, so I feel like,
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Speaker 3: if you've got the kiddies and you're a bit strapped
12:05
Speaker 3: for cash, it could.
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Speaker 2: Be a fun way to do something special. Cue. That
12:08
Speaker 2: was one of my radio tips. So for those of
12:10
Speaker 2: you who still listen to the radio, I have a
12:13
Speaker 2: radio segment on Kiss FM and Gold one oh four
12:16
Speaker 2: I Believe and also Mix which is wild and every
12:19
Speaker 2: day I give like money tips and tricks. Yeah, that
12:22
Speaker 2: was just one of my tips and tricks for this week.
12:24
Speaker 2: Was like check your council websites and check your Facebook
12:28
Speaker 2: groups and stuff and see what's going on. Because as
12:31
Speaker 2: the cost of living continues to increase, like free activities
12:35
Speaker 2: way more sexy than they used to be. Three used
12:37
Speaker 2: to be good now. Free is epic. We love free,
12:41
Speaker 2: especially when it's free chocolate. Yeah, oh yeah, one hundred percent.
12:45
Speaker 2: I'm very excited for Easter, like given given there are
12:48
Speaker 2: so many kids around, so many chocolates around, but I'm
12:51
Speaker 2: making people do Easter activities like we are doing an
12:53
Speaker 2: egg and spoon race. We are doing we are channeling
12:57
Speaker 2: school fate, but in Victoria's backyard this week weekend. Yeah,
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Speaker 2: don't wait to update you guys. All right, let's go
13:03
Speaker 2: to a really quick break on the flip side. We're
13:05
Speaker 2: going to come back with a money dilemma. We want
13:06
Speaker 2: to talk about how to record information on your tax return,
13:10
Speaker 2: but then we're also going to be talking about how
13:12
Speaker 2: to split group gifts for friends, because I think that
13:15
Speaker 2: that can get a little bit topical, a little bit spicy,
13:18
Speaker 2: not so diplomatic. So don't go anywhere, guys, We will
13:21
Speaker 2: see you on the flip side. All right. You know
13:27
Speaker 2: what time?
13:28
Speaker 1: It is?
13:28
Speaker 2: Money dollar time?
13:29
Speaker 1: Yeah?
13:32
Speaker 2: Hi, there. Have you got a money dilemma you just
13:34
Speaker 2: can't solve. The Sheese on the Money Team is here
13:37
Speaker 2: to help. Every week, we tackle your dilemmas, both big
13:40
Speaker 2: and small, to answer your most burning money career and
13:43
Speaker 2: life questions. To get involved, simply head to our website
13:46
Speaker 2: and leave us a short voice recording and you might
13:48
Speaker 2: just find yourself on the show. Now, let's take a
13:51
Speaker 2: listen to this week's money dilemma.
13:55
Speaker 5: Hi lady, I love your work, love your podcast, and
14:00
Speaker 5: wondering if you can help me with some information about
14:03
Speaker 5: software or an app or an interface of some kind
14:07
Speaker 5: to help me with my tax time each year, just
14:10
Speaker 5: collecting my expenses and my income in an easier way
14:15
Speaker 5: than I do it right now, which is by hand.
14:18
Speaker 5: So thanks so much, I can't wait to hear what
14:20
Speaker 5: you've got to say. And lots of hugs from Mandy.
14:24
Speaker 2: Thanks by lots of bugs right, a billion hugs right back.
14:32
Speaker 2: I am oh so wholesome. But also such a good question,
14:36
Speaker 2: very good question. So many of us are probably still
14:38
Speaker 2: doing it manually, and I'm even a little bit guilty
14:41
Speaker 2: of this while I'm still the girl with the shoebox,
14:46
Speaker 2: Like I still have a shoebox full of receipts and stuff.
14:49
Speaker 2: It's like beside my desk, it's a designer shoebox. Does
14:52
Speaker 2: that help? Does that okay? Or maybe worse? I'm not
14:59
Speaker 2: claiming the shoes though, so that's maybe better moving on.
15:03
Speaker 2: It's a really good question. And there are a million
15:05
Speaker 2: different apps and stuff if you tie up tax into
15:08
Speaker 2: the app store, and it's not helpful, right, But the
15:11
Speaker 2: best app that I have come across is the most
15:15
Speaker 2: boring recommendation. Are you ready for this? The Australian Taxation
15:18
Speaker 2: Office have an app? Really, I do if I have
15:21
Speaker 2: it on my phone. No, it's called the ATO app.
15:24
Speaker 2: They're probably real proud of this one. I love them.
15:27
Speaker 2: I think they're doing a really good job. But the
15:29
Speaker 2: ATO app is essentially a really simple and easy way
15:32
Speaker 2: for you to access and manage your tax and super
15:35
Speaker 2: on the go, which is sounds like a it does
15:37
Speaker 2: sound like I'm trying to sell it to you, which
15:39
Speaker 2: I am, and you have and I have call, but
15:41
Speaker 2: it's free. We love that. If you're an individual, or
15:44
Speaker 2: you're a soul trader, or you even have a business,
15:47
Speaker 2: you can access your personal tax and SUPER information on
15:50
Speaker 2: that app. But there are also a whole heap of
15:52
Speaker 2: really helpful features like tracking receipts really and keeping track
15:57
Speaker 2: of things. And you know what it does, files it away,
15:59
Speaker 2: so when you do ride that, I believe, correct me
16:02
Speaker 2: if I'm wrong, But they also have if you're someone
16:04
Speaker 2: who claims travel in your car because you use the
16:07
Speaker 2: log book method more often than not, I'm pretty sure
16:10
Speaker 2: there's a feature in that same app where you can
16:12
Speaker 2: track your travel. So it's all plugged directly in as well.
16:15
Speaker 2: All right, we'll just take the words right out of
16:17
Speaker 2: my mouth, miss Treat. They also have another app. They
16:21
Speaker 2: don't just have one app, They've got two apps. Look
16:23
Speaker 2: at them. Go is called My Deductions brilliant, and it
16:29
Speaker 2: is a record keeping tool so you can actually keep
16:32
Speaker 2: record of all your work related expenses like vehicle trips
16:36
Speaker 2: Jessica huge that you make in general expenses so maybe
16:39
Speaker 2: like the cost of managing your tax affairs, or like
16:42
Speaker 2: gifts or donations that you make, and then you can
16:44
Speaker 2: upload these records a tax time to make lodging your
16:46
Speaker 2: tax return a whole heap easier. I promise it is
16:49
Speaker 2: actually really easy. The ATO have made that so that
16:52
Speaker 2: absolutely everybody can just access it and use it like
16:56
Speaker 2: it's a really simple interface, which, to be honest, and
17:00
Speaker 2: I think is really important. But that's what I would recommend.
17:04
Speaker 2: The at app and then the My Deductions app are
17:06
Speaker 2: both of them are government runs, so you know that
17:08
Speaker 2: it's not like trying to clip the ticket in the
17:10
Speaker 2: background or like sell you something else, and you know
17:13
Speaker 2: that you're not going to have to ever pay for them.
17:15
Speaker 2: It's just a simple way to keep I guess your
17:17
Speaker 2: record straight. If you don't want a app tholk, there
17:22
Speaker 2: are going to be some people are out there that
17:23
Speaker 2: are like, you don't have a smart Troyer. Yeah, and
17:25
Speaker 2: if you're as lazy as me, so like I have
17:27
Speaker 2: a smartphone, jess just can probably attest to this back.
17:31
Speaker 2: Do I use it efficiently? Probably?
17:33
Speaker 1: Not?
17:34
Speaker 2: How many how many times do I answer the phone
17:36
Speaker 2: when you call? It's like, it's not that's not even
17:38
Speaker 2: what it's for. I am convinced that I have a
17:43
Speaker 2: phone so that I can use TikTok Yep, that's it.
17:46
Speaker 2: Don't try calling me machine. Why are you, Jessica trying
17:52
Speaker 2: to interrupt me talking anyway? I am pretty basic, but
17:59
Speaker 2: I'm also the bit complicated because I have business expenses
18:01
Speaker 2: and personal expenses and all of that. And when you
18:04
Speaker 2: have as many different entities as I do, I just
18:07
Speaker 2: I put it all in one place. And I actually
18:09
Speaker 2: have a folder on my phone called tax time two
18:11
Speaker 2: two three, and I take photos of all my receipts
18:13
Speaker 2: and pop them in there so that come tax time,
18:16
Speaker 2: I just go to the one album, like taking a
18:19
Speaker 2: photo of it good, but actually filing it into an
18:22
Speaker 2: album so you don't have to like scroll back through
18:25
Speaker 2: the six hundred million photos you've taken of your cat.
18:28
Speaker 2: Really extra helpful. Yeah, yeah, so that's what I do,
18:32
Speaker 2: the ato app that my deductions are app and then
18:34
Speaker 2: if you don't want to do that, just taking photos
18:36
Speaker 2: of everything and keeping it in one clean and clear
18:39
Speaker 2: space so when you're doing your tax return it can
18:42
Speaker 2: just be a much cleaner and simpler process because it
18:44
Speaker 2: turns out having a designer shoe box beside your desk
18:48
Speaker 2: is not that sexy. And to be honest, my accountant
18:52
Speaker 2: last year threatened violence.
18:53
Speaker 3: So yeah, well, you know what, talking about receipts and
18:57
Speaker 3: doing things the manual difficult way. This week someone set
19:01
Speaker 3: into our DMS to ask about splitting expenses.
19:04
Speaker 2: Did they not?
19:04
Speaker 5: They did?
19:05
Speaker 2: And I feel like this can be a really do
19:08
Speaker 2: we want to call it like spicy topic? Dam popped off?
19:11
Speaker 2: The dams popped off, our social media manager says, the
19:14
Speaker 2: dams popped off. It means it's slegit guy is serified.
19:17
Speaker 2: So this week we got a question and we posted
19:19
Speaker 2: it on our stories and the question was, Hey, girls,
19:21
Speaker 2: I'm facing an annoying gamma at the moment with my
19:23
Speaker 2: friends and I. I have a big group of around
19:26
Speaker 2: fifteen girls, unrelatable content, and it is getting really hard
19:30
Speaker 2: buying everyone at a birthday present. I feel like I
19:33
Speaker 2: can never quite afford it, and it just feels like
19:35
Speaker 2: an expense that's unnecessary. Is there a way I can
19:38
Speaker 2: go about this with my friends or an alternative I
19:41
Speaker 2: can offer. Someone offered the idea of everyone puts in
19:44
Speaker 2: what they can afford, but one of my friends didn't
19:47
Speaker 2: like how people who put in ten dollars get the
19:49
Speaker 2: same credit as people who might put in one hundred dollars,
19:52
Speaker 2: which I think is silly. But anyway, I need help, Okay,
19:55
Speaker 2: First week gift giving is not about getting credit. I
19:58
Speaker 2: understand that, especially as you get older made be you
20:00
Speaker 2: know your income increases and you want to give a
20:03
Speaker 2: better present. But I feel like the best gifts, and
20:05
Speaker 2: some of my favorite gifts that I've gotten have been
20:07
Speaker 2: gifts that perhaps weren't expensive, but they were very thoughtful.
20:11
Speaker 2: It's the act of giving if you're giving just for
20:13
Speaker 2: the sake of credit, I feel like you're not really
20:15
Speaker 2: giving for the right reason. Yes, I mean I gave
20:17
Speaker 2: beck that piece of tin foil before because I was
20:20
Speaker 2: really proud of it and I knew she'd appreciate it.
20:22
Speaker 2: How do you save our life? Yes, this is this
20:24
Speaker 2: is a free We would say maybe money. We made
20:27
Speaker 2: like forty cents for the egg, but I didn't even
20:29
Speaker 2: Analsa bought them for me. She says it was the
20:31
Speaker 2: Easter Bunny, but I know she did it. I'm pretty
20:32
Speaker 2: sure I saw a bunny though. Oh okay, Well, you
20:35
Speaker 2: know what, I just don't believe Analisa, because it's not time.
20:39
Speaker 2: Well it's not time for Easter Bunny to come, is it?
20:41
Speaker 2: So what's he doing in my office? That's a fair question.
20:44
Speaker 2: That's a fair question. And then I don't like being
20:47
Speaker 2: lied to. No, Well that's okay. Look, this is such
20:50
Speaker 2: a relatable topic.
20:51
Speaker 4: I think I definitely have this exact same anxiety like
20:55
Speaker 4: year round for anything, birthdays, Christmas, Easter, wedding, wedding weddings
21:01
Speaker 4: are hard, Hen's parties, babies, like so many gifts you
21:04
Speaker 4: gotta buy all the time. Again, unreal there are some
21:08
Speaker 4: friends that I have, and it's we've genuinely come to
21:12
Speaker 4: a mutual decision to not buy each other gifts, and
21:15
Speaker 4: that's something we're both gonna stick to, you know, when
21:17
Speaker 4: you come it comes to your birthday and they're like, oh,
21:19
Speaker 4: I know that we said we're not going to buy gifts,
21:20
Speaker 4: but I just bought you this sort of thing.
21:22
Speaker 2: None of that, None of that.
21:23
Speaker 4: So I guess like in this instance, maybe having that
21:26
Speaker 4: conversation with the group of friends, it seems like they're
21:29
Speaker 4: buying for each other anyway.
21:31
Speaker 2: Having a conversation with my teen girlfriends that you buy
21:34
Speaker 2: for to me is wild.
21:36
Speaker 4: I don't know what that feels like.
21:39
Speaker 2: Real friends. Yeah, one of them's jests believable. Let's all
21:47
Speaker 2: agree not to buy each other gifts. Done, and that's
21:49
Speaker 2: what you No, I'm not. I'm done, but I'm going
21:52
Speaker 2: to be that friendly.
21:53
Speaker 3: But I wouldn't but I wouldn't expect anything like you know,
21:57
Speaker 3: if you're one of those, because that's probably a good
21:59
Speaker 3: flip side is if you're or we've had this conversation,
22:00
Speaker 3: if your love language is gift giving, it might be
22:04
Speaker 3: something that really fulfills you, but you don't necessarily need
22:06
Speaker 3: to get one back, so there's going to be people
22:09
Speaker 3: on the other side of that as well.
22:11
Speaker 2: I think that's such a relevant point. And we've talked
22:14
Speaker 2: about gift giving and just love languages in general on
22:17
Speaker 2: the podcast before, right, And it's interesting because I feel
22:22
Speaker 2: like I know Jess really well now. One of her
22:24
Speaker 2: love languages is gift giving, but also I know one
22:27
Speaker 2: of her love languages is gift receiving. Yeah, she loves you,
22:32
Speaker 2: she loves it, right, And that's okay, Like it's just
22:34
Speaker 2: good to know. But if you look at me, gift
22:37
Speaker 2: giving is one of my love languages. I don't like
22:39
Speaker 2: getting gifts speed I'm the same as that. I feel
22:41
Speaker 2: really awkward when people gift me something. I know it's
22:44
Speaker 2: my birthday, and like, I love birthdays. I love celebrations.
22:48
Speaker 2: I love the love that surrounds that. I love the
22:51
Speaker 2: attention of people saying happy birthday. I feel really uncomfortable
22:55
Speaker 2: when you gift me something and I don't have something
22:57
Speaker 2: to reciprocate with. I just go oh, like and I'm
23:00
Speaker 2: so grateful, right, Like, I love it. And I feel
23:03
Speaker 2: like I'm surrounded by people who always give really thoughtful gifts,
23:06
Speaker 2: so it always really appreciate it, but also I just
23:09
Speaker 2: feel uncomfortable with that. Yeah, like it's okay, but it's
23:14
Speaker 2: my love language to give gifts. Yeah, and I adore
23:17
Speaker 2: doing it. I've probably done it to both of you
23:20
Speaker 2: at some point where I've been like, oh, you said
23:22
Speaker 2: you wanted this, or you said that you liked this,
23:24
Speaker 2: or I thought you might have needed Like I am
23:26
Speaker 2: that person that he is giving gifts even when it's
23:28
Speaker 2: not your birthday, even when it's not Christmas. Like, I
23:30
Speaker 2: just love that if I speak that I can help
23:32
Speaker 2: or do something like I just it gives me this
23:35
Speaker 2: deep sense of joy, right, I love it.
23:38
Speaker 4: You did buy me Oliplex. I did because bleached to
23:41
Speaker 4: a Believi.
23:42
Speaker 2: Yeah, and you said, oh my gosh, I would love oliplex,
23:44
Speaker 2: but it's so expensive. And then I had some Oliplex
23:46
Speaker 2: at home, so I gifted it to you, and I
23:47
Speaker 2: knew that you'd appreciate it because you'd said that you
23:49
Speaker 2: wanted it.
23:49
Speaker 4: It was really really beautiful.
23:51
Speaker 2: But not everybody is like that, and that's okay. But
23:54
Speaker 2: I think this is why money is so complicated, because
23:58
Speaker 2: right now, the question at hand is about fifteen different
24:01
Speaker 2: people or coming to a general consensus, and even sitting
24:05
Speaker 2: at this table with just three, we can't come to
24:08
Speaker 2: a general consensus on what we should and shouldn't do.
24:11
Speaker 2: I think we're all relatively open minded, yeah, I think
24:16
Speaker 2: we're all, but also just logical, Yeah, Like, it does
24:19
Speaker 2: not make sense financially, just in this economy to be
24:24
Speaker 2: buying everybody gifts. So I think at this particular table,
24:29
Speaker 2: I think we'd all be like, well, that's done, let's
24:30
Speaker 2: just not buy each other gifts. And I think we
24:32
Speaker 2: would respect that, yeah, or just be.
24:34
Speaker 4: Like, hey, let's set a limit five dollars each maximum. Yep,
24:37
Speaker 4: just have a nice conversation with everyone, because if you
24:39
Speaker 4: work out the math behind it all, that's fifteen different birthdays.
24:42
Speaker 4: That's fifteen times.
24:45
Speaker 2: More than once a month on average.
24:48
Speaker 4: And then you've also like, it's not like they're your
24:50
Speaker 4: only friends. You've probably got family, maybe maybe you've got
24:53
Speaker 4: a partner.
24:53
Speaker 2: There's more people, you're fifteen friends.
24:55
Speaker 3: I just can't can't comprehend that as the person who
24:58
Speaker 3: loves to receive gifts. As you said, no shame about it,
25:01
Speaker 3: there's nothing wrong with that. But if someone said to me, hey, like,
25:04
Speaker 3: financially it's really hard, can.
25:05
Speaker 2: You wouldn't want the gift.
25:06
Speaker 3: I'd be like, that's fine, Like I would have much
25:09
Speaker 3: rather you be in a comfortable, happy position.
25:12
Speaker 2: That's what I mean. You're logical, right, yeah, Like it's
25:14
Speaker 2: not like Jess is like, well, myne needs need to
25:16
Speaker 2: be met. She loves it. But I think that there's
25:19
Speaker 2: also a line of like, Jess, would you love it
25:21
Speaker 2: if you knew it financially crippled me?
25:23
Speaker 3: Or if I knew it was stressing you out, I'd
25:24
Speaker 3: feel so terrible exactly.
25:26
Speaker 2: So I think that gift giving is important if it's
25:29
Speaker 2: important to you, but we also need to I guess,
25:32
Speaker 2: balance those opinions at the same time as balanced budgets.
25:36
Speaker 2: And as you were saying, fifteen people, that's not even everybody.
25:40
Speaker 2: So if we then included, let's pretend you've got a
25:43
Speaker 2: wholesome nuclear family and you're buying for mum and dad
25:47
Speaker 2: and siblings and aunts and uncles and grandparents, Like you're
25:50
Speaker 2: buying at least two presents a month at this rate?
25:53
Speaker 2: What who has the budget for that? Like it's unreasonable?
25:57
Speaker 2: And then you know, I don't know how everybody else works,
26:01
Speaker 2: But in my head, is this the thing? I don't
26:03
Speaker 2: know if it's a thing. There's a gift giving hierarchy,
26:06
Speaker 2: so I have that to some people get better presents
26:08
Speaker 2: than others. Yes, yes, there's a gift giving hierarchy. So
26:11
Speaker 2: like at the top of the pyramid, my parents, they
26:16
Speaker 2: get the best presence, they get the most money allocated
26:19
Speaker 2: to them. Then there's my sister. I like to remind
26:22
Speaker 2: her that I don't spend as much on her as
26:23
Speaker 2: I do with my parents. But she's my sister, so
26:26
Speaker 2: she's going to get more than my best friend. But
26:28
Speaker 2: they're my best friend. She probably gets more than Jess,
26:31
Speaker 2: who's not my best friend, but he's a really close friend.
26:34
Speaker 2: And then under that is everybody else, and it kind
26:38
Speaker 2: of falls down in terms of how close you are
26:40
Speaker 2: to me. But then the hierarchy gets mixed up again.
26:44
Speaker 2: Beck like, yeah, depends what the occasion is, because that's
26:47
Speaker 2: for birthdays. True, what if you're getting married, then you
26:51
Speaker 2: might fly to the top of the hierarchy, because I
26:53
Speaker 2: think from my perspective, I spend more on wedding gifts
26:56
Speaker 2: than I would on birthdays or if you just had
26:59
Speaker 2: a baby and we buy me baby stuff. One also,
27:04
Speaker 2: that's a really good point, is this gift self serving
27:06
Speaker 2: to me. I love buying baby stuff. The probability of
27:10
Speaker 2: me buying you more baby stuff just purely because I
27:13
Speaker 2: enjoy buying that stuff very high. You bought a horse,
27:16
Speaker 2: probably not that interested in buyings, do you know what
27:20
Speaker 2: I mean. Yeah, So there's like this hierarchy and I'm
27:22
Speaker 2: not saying that that's everyone's experience, but like that just
27:25
Speaker 2: means we can't average out the gifts and be like, Okay, Beck,
27:28
Speaker 2: you should budget twenty dollars a month for gifts, because
27:31
Speaker 2: that's not reflective of our experience. I also know some
27:34
Speaker 2: people don't give gifts at all, full stop, end of story,
27:37
Speaker 2: because they think that's that's silly, and that's cool yep,
27:40
Speaker 2: totally because we're all different. Also, not everybody who wants
27:45
Speaker 2: to give gifts can afford to give gift, true, exactly,
27:49
Speaker 2: Like I'm in a very privileged position where I can
27:51
Speaker 2: afford this, right, like, and I have an income that
27:55
Speaker 2: can support that. You might have my personality and not
27:59
Speaker 2: have the in come, and then that might break your
28:02
Speaker 2: heart because like that's what you want to do, Like
28:04
Speaker 2: you might want to get your friend a gift, but
28:06
Speaker 2: it's just not not just someone in the budget and
28:08
Speaker 2: it's not doable. So I think we need to address
28:10
Speaker 2: all of that, because in that group of fifteen girls
28:12
Speaker 2: that we're talking about, I'm sure that there are very
28:15
Speaker 2: varying incomes.
28:16
Speaker 3: And that hierarchy concept is probably applicable to in a
28:19
Speaker 3: group so large, you would imagine that you probably would
28:22
Speaker 3: be like you would have a couple of girls who
28:24
Speaker 3: are really close. They're the first people that you go to,
28:26
Speaker 3: and there would be other girls that you're really great
28:28
Speaker 3: friends with, but maybe you're not so connected they're connected
28:31
Speaker 3: with other people. Because when there's fifteen of you, you're
28:33
Speaker 3: probably not going to have the same relationship with every person.
28:35
Speaker 3: So then are you spending more on the ones you're
28:37
Speaker 3: closer with? And then like the social complications come into play. Yeah,
28:41
Speaker 3: it's a real tough situation.
28:42
Speaker 2: And as it's not cut and narrow, right, No, I
28:45
Speaker 2: might be closer to Jess, so come Jess's birthday, I'm like, oh,
28:48
Speaker 2: I'll stick fifty bucks in that because I love Jess.
28:51
Speaker 2: And then you know, Beck, you might come up to
28:54
Speaker 2: Jess's birthday and you're like, well, I've only just joined
28:56
Speaker 2: the show. I don't really know Jess as well as
28:58
Speaker 2: Victoria does. I'm going to pull that twenty bucks in
29:00
Speaker 2: or whatever. That's so fine. But then the question around
29:05
Speaker 2: who gets credit, Like I just what I was.
29:07
Speaker 3: Just going to say, coming back to that credit thing,
29:10
Speaker 3: no shaming people for their contributions and their gifts, please,
29:13
Speaker 3: that's so route.
29:15
Speaker 2: Yeah, because to I guess, put a bit more context
29:19
Speaker 2: into it. Using that exact example, twenty dollars to Beck
29:22
Speaker 2: might be a whole heit more than what fifty dollars
29:25
Speaker 2: means to me, the.
29:28
Speaker 4: Cent of your income entirely for every single.
29:31
Speaker 2: Person, Like what if Beck used the last twenty dollars
29:35
Speaker 2: she had in her bank account this month to put
29:37
Speaker 2: towards your present? Exactly crazy? But like, do you know
29:41
Speaker 2: what I mean? Like that context of credit? Why is
29:44
Speaker 2: it financial? Why isn't it the actual situation? Because in
29:50
Speaker 2: that circumstance, if we're just using that as a base example,
29:53
Speaker 2: Beck actually put in more than me. Beck actually valued
29:57
Speaker 2: you more than I did in that circumstance, And I
30:01
Speaker 2: think it's wild. I think, you know, to I guess
30:03
Speaker 2: wrap this because I want to read out some of
30:05
Speaker 2: the community contributions. From my perspective, I don't think group
30:10
Speaker 2: gift giving is a good idea at a base level,
30:12
Speaker 2: I think that if it's birthdays, a birthday comes around
30:15
Speaker 2: every single year. To me, birthdays are really special that
30:18
Speaker 2: celebrate the person. If you want to get them a
30:20
Speaker 2: gift individually, you do, you boo. But I don't think
30:23
Speaker 2: that there should be this like group circus around it.
30:26
Speaker 2: But I do think that group gifts can and I
30:30
Speaker 2: love it because I'm in that stage in my life
30:31
Speaker 2: where my friends are getting married, right. I love giving
30:34
Speaker 2: someone a more valuable gift. So, like, our friend group
30:38
Speaker 2: goes in and instead of you know, getting you a
30:40
Speaker 2: cutlery setback, we actually get you a really nice weekend
30:44
Speaker 2: away for you and your new husband or wife or partner. Yeah, like,
30:48
Speaker 2: and our friends put in for that, and that's what
30:50
Speaker 2: we would. We just want you to have an experience,
30:53
Speaker 2: or we want you to have something that's more high value.
30:56
Speaker 2: When one of our friends had their first baby, we
30:58
Speaker 2: all put in and we bought a and it was like,
31:01
Speaker 2: prams are really expensive. I could not have bought that
31:04
Speaker 2: for them. I probably could have afforded, you know, a
31:06
Speaker 2: few smaller baby things. But when we all went in together,
31:10
Speaker 2: they got their dream pram that they had already said.
31:12
Speaker 2: It's probably not in the budget, and so I think
31:15
Speaker 2: they're for things like that. Absolutely, But from my perspective,
31:19
Speaker 2: group birthday giving unless it's like a thirtieth or like
31:22
Speaker 2: a really big celebration where we are actually going to
31:25
Speaker 2: a party and contributing, I just think annual birthday presents
31:28
Speaker 2: for friends, especially not best friends tough, you know what.
31:31
Speaker 4: Not in this economy, no economy economy.
31:34
Speaker 3: I feel like the people had some really good suggestions
31:36
Speaker 3: on alternative like methods or ideas that we could use.
31:39
Speaker 3: Did you have any that stood out? TOVD You are correct, yess.
31:43
Speaker 3: We have literally hundreds of responses, so I'm going to
31:45
Speaker 3: read but a few. So one person said, I tend
31:50
Speaker 3: not to buy because most of the time it costs
31:52
Speaker 3: you money to attend the dinner.
31:53
Speaker 2: If there is one great point, yep, yeah. Someone said
31:57
Speaker 2: presence for big birthdays, I e. Thirtieth page baby, otherwise
32:01
Speaker 2: rerecky slash lunch slash dinner, but no gift. Someone said,
32:06
Speaker 2: if everyone's contributing, you should be setting a limit on
32:09
Speaker 2: how much everyone can give so you can give up
32:12
Speaker 2: to it a certain amount. That's a smart way. I
32:14
Speaker 2: haven't not thought of that. Someone said, I buy my
32:17
Speaker 2: friends gifts from myself and I don't ask for help.
32:20
Speaker 2: They know exactly what I can afford and what I can't,
32:23
Speaker 2: and I'm okay with that. Someone said presence over presents.
32:28
Speaker 3: I love that presence with a ce over presents in case.
32:34
Speaker 2: Sorry I tried. I tried.
32:37
Speaker 4: It really threw me, actually see in your face, like,
32:40
Speaker 4: I'm sure, people, I'm.
32:41
Speaker 2: Going to fix this. I'm going to fix this.
32:43
Speaker 4: Thank you.
32:44
Speaker 2: Someone said a group of fifteen girls would be really expensive.
32:47
Speaker 2: I only buy for a few of my close friends.
32:50
Speaker 2: Someone else said, my friends and I don't do presents
32:53
Speaker 2: at all. We just get together for some quality birthday
32:55
Speaker 2: time love that I really like. There's been a few suggestions,
32:59
Speaker 2: and I'm not going to read all of them out,
33:00
Speaker 2: but a lot of people have said do DIY gifts.
33:03
Speaker 2: Other people have said they avoid group gifts, and that
33:06
Speaker 2: was a fair few of you, and I feel like
33:08
Speaker 2: that makes sense because that's when it gets complicated one
33:10
Speaker 2: hundred percent. But also the thing we haven't considered in
33:14
Speaker 2: this circumstance is peer pressure, and like, Beck, what if
33:19
Speaker 2: you and I really wanted to get Jesse present, but
33:22
Speaker 2: then we have this other friend that's like I wasn't
33:24
Speaker 2: going to get Jesse present. It can be awkward to
33:26
Speaker 2: say no, yeah, it can be awkward to say me,
33:28
Speaker 2: And then are they contributing to something else? And also
33:32
Speaker 2: what if right, so, Jess is usually the ringleader in
33:35
Speaker 2: this circumstance. She's a big, big gift giver and I
33:38
Speaker 2: love it, But what if the rest of our team,
33:41
Speaker 2: and thankfully they are, what if the rest of our
33:43
Speaker 2: team weren't the same. What if Jess is like, oh,
33:45
Speaker 2: I love giving gifts, Let's organize beck a gift. But
33:48
Speaker 2: when it comes around to Jess's birthday, no one organizes.
33:50
Speaker 1: It for her.
33:51
Speaker 2: It'd be sad, yes, single tear, But like, is there
33:56
Speaker 2: an expectation that this happens for every single one of
33:58
Speaker 2: these fifteen girls that's putting into this? Or are there
34:01
Speaker 2: going to be you know, fourteen times where people are
34:04
Speaker 2: putting in and then that one time someone else misses out?
34:07
Speaker 2: Like is this consistent?
34:08
Speaker 3: Is if someone's financial position changes, Like if you in
34:11
Speaker 3: January you're like, yeah, absolutely, I can put in fifty bucks,
34:14
Speaker 3: and then by the end of the year you're like
34:16
Speaker 3: no money left, like I care nothing like and then
34:19
Speaker 3: are you character shit because you're not putting in the
34:21
Speaker 3: same amounts, one's not getting as good as a gifts.
34:23
Speaker 2: It's so hard, it's really tough. And then how do
34:26
Speaker 2: you say no, I don't want to contribute to the
34:28
Speaker 2: group present without feeling awkwarsh And I've said this before.
34:33
Speaker 2: You should No is a full sentence, Like no, it's
34:36
Speaker 2: absolutely a full sentence, and you can use that. You
34:39
Speaker 2: don't have to justify anything. But my personality is to
34:43
Speaker 2: you know, be like, oh, hey, beg Unfortunately I can't
34:46
Speaker 2: because of this, this and this, because it makes me
34:47
Speaker 2: more comfortable. I'm not saying you need to do that
34:50
Speaker 2: because you could just say no, thank you, full stop,
34:53
Speaker 2: end of story. But it's fine. How do you make
34:56
Speaker 2: that not awkward? If I don't want to contribute to
34:58
Speaker 2: the group present and they're mad because you like did
35:00
Speaker 2: the maths in your head and you did, like fifteen
35:02
Speaker 2: times twenty is this amount and we now have this
35:05
Speaker 2: total amount to play with, And then by me pulling out,
35:07
Speaker 2: is it making it more expensive?
35:08
Speaker 4: And then it gets me I don't know, Yeah, it
35:10
Speaker 4: gets a bit awkward to when you're like a group
35:12
Speaker 4: of friends and one person doesn't want to pay, and
35:13
Speaker 4: then you like, should we be petty and.
35:15
Speaker 2: Not put them on the card.
35:16
Speaker 4: Oh yes, but like because they didn't technically contribute it.
35:21
Speaker 2: But that's like the credit that they're talking about. The
35:23
Speaker 2: credit that they're talking about exactly. I feel like the
35:25
Speaker 2: key takeaway here. I always put my dog on the card.
35:28
Speaker 2: She doesn't contribute anything. Everyone just relax with the presence.
35:32
Speaker 2: Let's give everyone credit.
35:34
Speaker 4: If you're in the friendship group, is probably because you're
35:36
Speaker 4: a good Person's because you've contributed somehow at some point.
35:39
Speaker 2: So just put them on the card, no matter what
35:41
Speaker 2: they're contributing.
35:42
Speaker 3: Yeah, and sit down, all fifteen of you have a
35:45
Speaker 3: little power. Talk it through and don't feel bad like
35:48
Speaker 3: you're all friends here. Talk about what works for you.
35:51
Speaker 3: And if that means that maybe the group gifts stop,
35:54
Speaker 3: that's okay. So this episode, maybe it'll.
35:57
Speaker 2: Help the rising cost of living. I just think we
35:59
Speaker 2: should eat presents out in this economy. Economy. But let's
36:03
Speaker 2: just call it like cost of living core, Like on
36:06
Speaker 2: TikTok there's like, you know, a cottage court. It's cost
36:11
Speaker 2: of living core. Budgeting now, really cool part of my
36:14
Speaker 2: esthetic eating just beans on toast. It's not a bad dinner, Jess.
36:19
Speaker 2: It's cost of living core. Oh my gosh, I think
36:22
Speaker 2: I can make this happen.
36:23
Speaker 5: Oh.
36:23
Speaker 2: On that note, I'm going to go make this work
36:25
Speaker 2: over the weekend and work out what is going to
36:28
Speaker 2: be made up of my cost of living? Call like,
36:30
Speaker 2: what's that esthetic actually look like? Tags in your story
36:32
Speaker 2: in your cost of living cost Have the best weekend.
36:37
Speaker 2: We love you and we will see you for a
36:38
Speaker 2: money dary on Monday. Bye guys, Bye. The advice shared
36:49
Speaker 2: on She's on the Money is generally nature and does
36:51
Speaker 2: not consider your individual circumstances. She's on the Money exists
36:55
Speaker 2: purely for educational purposes and should not be relied upon
36:59
Speaker 2: to make an investment or financial decision. If you do
37:02
Speaker 2: choose to buy a financial product, read the PDS TMD
37:05
Speaker 2: and obtain appropriate financial advice tailored towards your needs. Victoria
37:09
Speaker 2: Divine and She's on the Money are authorized representatives of Money.
37:13
Speaker 2: Sheirper P T y lt D A b N three
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Speaker 2: two one six four nine two seven seven zero eight
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Speaker 2: AFS L four five one two eight nine