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Transcript

It's Tay-Tay Friday · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud your
• 0:05
  Speaker 1: the Order Kerni Whoalbury 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
• 0:37
  Speaker 2: the Money. Hello, and welcome to She's on the Money.
• 1:00
  Speaker 3: The team who were going to Taylor sway, it's not.
• 1:04
  Speaker 2: Even this year, it's next year, but we got the tickets.
• 1:06
  Speaker 4: We are going to be insufferable.
• 1:09
  Speaker 2: I'm sorry. It's started. Very excited for oh straight in.
• 1:14
  Speaker 2: This is the podcast for millennials who want financial freedom
• 1:16
  Speaker 2: but also sometimes make really dumb financial decisions, which is
• 1:21
  Speaker 2: you know, we're doing it to be relatable with him.
• 1:24
  Speaker 2: We feel so lucky though, I'm so excited. But as
• 1:26
  Speaker 2: you guys know, today is Friday, our favorite day of
• 1:30
  Speaker 2: the week, which means our team has come together to
• 1:32
  Speaker 2: celebrate you, our incredible community and our incredible tailors tickets.
• 1:38
  Speaker 2: Today we're going to be sharing our favorite money wins
• 1:40
  Speaker 2: or mister Grieches going to We've got beck on broke
• 1:43
  Speaker 2: tips once again, we're going to be answering a juicy
• 1:46
  Speaker 2: money dilemma, which this week is all about working from
• 1:48
  Speaker 2: home expenses and claiming them in your tax return. And
• 1:51
  Speaker 2: we're unpacking something that you slid into our DMS about
• 1:54
  Speaker 2: which this week we're chatting all about holiday budgets and
• 1:57
  Speaker 2: how to divvy them up between friends fair So, as
• 2:01
  Speaker 2: always my friends, I'm going to ask you first, Beck
• 2:04
  Speaker 2: because I know how Jess this week was. How was
• 2:07
  Speaker 2: your week?
• 2:08
  Speaker 5: My week has been lovely, as you know, I was
• 2:09
  Speaker 5: in Sydney last week. Get to have you back, Thank
• 2:11
  Speaker 5: you so much. It's actually really good to be back.
• 2:13
  Speaker 5: Can you know when you like go visit family and
• 2:15
  Speaker 5: there's a sweet spot, there's like two three days in
• 2:17
  Speaker 5: and you're like, I cannot wait to get home, and
• 2:20
  Speaker 5: then spend a week then and you kind of get attached.
• 2:23
  Speaker 5: So it's been a weird week, but I am happy
• 2:26
  Speaker 5: to be home.
• 2:26
  Speaker 2: So that's was your mama happy to see you? I think?
• 2:30
  Speaker 2: So why was your mama would have been like, heck
• 2:33
  Speaker 2: and yeah, Burke's home. Well it's so nice and think
• 2:35
  Speaker 2: you definitely got sick of me till the end, but
• 2:37
  Speaker 2: good reason. Honestly, I'm very.
• 2:39
  Speaker 5: Excited to see her again.
• 2:40
  Speaker 4: Oh good, my mamma, Hi mom, shout out to Mama Beck.
• 2:45
  Speaker 2: Let's just how her week was, Jessic, how is your week?
• 2:50
  Speaker 2: The best?
• 2:51
  Speaker 4: Like the best, the best?
• 2:56
  Speaker 2: Stuttering she cried about the cry literally, I'm just thinking
• 3:04
  Speaker 2: about it.
• 3:04
  Speaker 4: I went to bed at three in the morning. I
• 3:06
  Speaker 4: was so emped.
• 3:07
  Speaker 2: But it wasn't because I hadn't got tickets since she
• 3:10
  Speaker 2: was waiting for them. Works because she'd already got tickets
• 3:12
  Speaker 2: and was now excited about it.
• 3:13
  Speaker 4: Be adrenaline is what I put on my Instagram.
• 3:16
  Speaker 2: Sorry.
• 3:16
  Speaker 4: I was like, this must be what it feels like
• 3:18
  Speaker 4: to jump out of a plane because I was the
• 3:19
  Speaker 4: one who got through. And I've never been so scared
• 3:22
  Speaker 4: in my life that I was going to lose something.
• 3:24
  Speaker 4: I was like, I.
• 3:26
  Speaker 2: Don't know what to do. There was actually video evidence
• 3:29
  Speaker 2: of this, so we will be putting it in our
• 3:31
  Speaker 2: stories today so that you guys can experience. I would
• 3:35
  Speaker 2: say very chaotic. She's on the money, tea prick energy.
• 3:39
  Speaker 4: But good luck to everybody who's going in for general
• 3:41
  Speaker 4: admin tickets today, Congratulations to everyone who already got them
• 3:44
  Speaker 4: this week. And just no, I'm not saying anything. I'm
• 3:48
  Speaker 4: not promising anything, but I'm just saying when we do things,
• 3:52
  Speaker 4: we always think about you. And if I was you
• 3:55
  Speaker 4: and I wasn't following us on Instagram or Facebook or
• 3:58
  Speaker 4: the newsletter, I would maybe want to do that. But
• 4:00
  Speaker 4: I am saying for me, what's she's saying. I don't know.
• 4:05
  Speaker 2: I very cryptic, it's relatively cryptic. But if you're a
• 4:08
  Speaker 2: swifty you read with scream aller, you're.
• 4:12
  Speaker 6: You know.
• 4:13
  Speaker 4: But that's it on that. No more from me.
• 4:15
  Speaker 2: Hot tips from us, though, if you're going in for tickets,
• 4:17
  Speaker 2: one browser, one internet connection, one tab open. If you
• 4:21
  Speaker 2: have multiple, they're gonna eat them. And another hot tip
• 4:25
  Speaker 2: for tickets is if it says sold out really early,
• 4:29
  Speaker 2: just keep refreshing and keep trying because they're probably in
• 4:31
  Speaker 2: everyone's baskets and if they either expire or people decide
• 4:35
  Speaker 2: they don't want to spend that, they might actually, you know,
• 4:38
  Speaker 2: come available again. Because yes, that's exactly what happened to us.
• 4:41
  Speaker 4: We got them like fifty minutes in.
• 4:42
  Speaker 2: Yeah, and a lot of people were very shocked that
• 4:45
  Speaker 2: we did because they were saying, oh, ten pasted, they
• 4:47
  Speaker 2: were completely sold out. Here's my screenshots, and I was like, yeah,
• 4:50
  Speaker 2: but here's my screenshots, bestie of my ticket. Anyway. Honestly,
• 4:56
  Speaker 2: this is what it is like to spend adult money.
• 4:59
  Speaker 2: This is the only time I've allowed Jessica to even
• 5:02
  Speaker 2: look side eye at her emergency fun side. I feel
• 5:09
  Speaker 2: like it's been a journey. We've been trying to get
• 5:10
  Speaker 2: these tickets for four months. Like we work in radio,
• 5:13
  Speaker 2: so we've been like pestering every single person with ever
• 5:16
  Speaker 2: met and ever known, like you have, you're going to
• 5:18
  Speaker 2: get pre sal You're going to get presu presa presut.
• 5:20
  Speaker 2: We sound like little seagulls. We'll pay you, We'll pay you.
• 5:24
  Speaker 2: That's exactly what we were like. Turns out we didn't
• 5:26
  Speaker 2: need any of you guys.
• 5:27
  Speaker 5: We did it all by ourselves, So thanks anyway, Thanks anyway.
• 5:32
  Speaker 2: But everybody was so kind. I think that they could
• 5:35
  Speaker 2: see jess and the fact that she's already started making
• 5:37
  Speaker 2: friendship bracelets and wearing on right now, Yah's friendship blot
• 5:42
  Speaker 2: for who? What do you mean you trade them at
• 5:44
  Speaker 2: the show? You make friendship bracelets.
• 5:47
  Speaker 4: Yeah, and people trade them or give them to each other.
• 5:50
  Speaker 2: It's in the crowd. Yeah, it's so whole. That's so cute.
• 5:53
  Speaker 5: Really, is this the thing with all tailors swift concert
• 5:56
  Speaker 5: or every concert?
• 5:56
  Speaker 2: I think it's just I don't know if it was
• 5:58
  Speaker 2: the least a brave thing. So I'm not a raver,
• 6:01
  Speaker 2: but I'm on TikTok and there are a lot of ravers.
• 6:04
  Speaker 2: They're like, that's the thing that we do at our concerts,
• 6:07
  Speaker 2: So now all the swifties are doing it, And I
• 6:08
  Speaker 2: was like, you don't know that idea. It's wholesome. It's wholesome.
• 6:12
  Speaker 4: Everyone can do that.
• 6:13
  Speaker 2: You make bracelets. They have to be homemade. They can't
• 6:15
  Speaker 2: just be like bracelets that you buy. I don't want those,
• 6:17
  Speaker 2: and then you trade them on the night and then
• 6:19
  Speaker 2: you take home a heap of bracelets and everybody has
• 6:22
  Speaker 2: one of yours.
• 6:22
  Speaker 4: That's very cute.
• 6:23
  Speaker 6: Cute.
• 6:24
  Speaker 4: Anyway, we should get moving along because there's probably people going,
• 6:26
  Speaker 4: I don't like Daylor Swift, and to you, I say,
• 6:29
  Speaker 4: what's wrong with you?
• 6:30
  Speaker 1: Anyway?
• 6:31
  Speaker 5: Do I see, that's completely fine. I forgot we were
• 6:33
  Speaker 5: doing a show right now.
• 6:36
  Speaker 2: Up. Maybe you're here for the money wins. So, Jessica
• 6:39
  Speaker 2: Richard Strange, what have you got for us this week?
• 6:42
  Speaker 4: My first money when this week comes from Casey.
• 6:44
  Speaker 2: To VICKI, and she got Taylor Swift ticket literally me
• 6:47
  Speaker 2: right at the.
• 6:47
  Speaker 4: Top money and added money off. My first money when
• 6:50
  Speaker 4: is from Casey, who said money win. I saved us
• 6:52
  Speaker 4: about one thousand dollars. My yard was in need of
• 6:54
  Speaker 4: some serious landscaping, and we thought about hiring someone to
• 6:57
  Speaker 4: do it a while back, and this past weekend, I
• 6:59
  Speaker 4: just thought, I'm going to do it myself. I already
• 7:01
  Speaker 4: had most of the tools, and I spent around two
• 7:03
  Speaker 4: hundred dollars on plants and supplies. It took me all
• 7:06
  Speaker 4: day to do it because I was by myself and
• 7:08
  Speaker 4: it was hot outside and I was ready to throw
• 7:09
  Speaker 4: in the towel so many times, but I pushed through.
• 7:12
  Speaker 4: And it looks a lot better than before, and she
• 7:13
  Speaker 4: has a little before.
• 7:14
  Speaker 2: Oh my gosh, that actually looks real cute.
• 7:17
  Speaker 4: And it's one of those things you're so right, like
• 7:19
  Speaker 4: you can pay someone else to do it, and it
• 7:20
  Speaker 4: is totally a payment for convenience, but you can also
• 7:22
  Speaker 4: do it yourself, and I love that. My next money
• 7:25
  Speaker 4: mean is also a bit of a DII from Sally,
• 7:27
  Speaker 4: who said I just moved into a new place and
• 7:29
  Speaker 4: I wanted a bougie olive oil bottle. All the ones
• 7:31
  Speaker 4: that I could five were twenty five dollars or more.
• 7:34
  Speaker 4: So I went to the op shop and I found
• 7:35
  Speaker 4: a beautiful bottle for two dollars. What grabbed a pora
• 7:38
  Speaker 4: from Dan Murphy's for five bucks and seven dollars later,
• 7:41
  Speaker 4: I have myself a pretty bottle.
• 7:42
  Speaker 2: Do we have another picture?
• 7:43
  Speaker 4: You have another picture?
• 7:44
  Speaker 2: Oh you want a picture? That one's really cute. I've
• 7:46
  Speaker 2: been looking at those, but I can't justify them like
• 7:48
  Speaker 2: they literally are twenty five bucks. And I'm like, well,
• 7:51
  Speaker 2: the olive oil I bought comes in a bottle. I
• 7:53
  Speaker 2: guess that one will do.
• 7:55
  Speaker 4: Yeah, that is by they need.
• 7:56
  Speaker 2: Sally's got you self post a picture of my olive
• 7:58
  Speaker 2: oil bottle actually on the thread because I've tried to
• 8:01
  Speaker 2: peel the label off so now to make it cuter. Yep,
• 8:04
  Speaker 2: it didn't work. Now, No, it's sticky, you know how
• 8:10
  Speaker 2: like the stick apart goes real sticky.
• 8:11
  Speaker 5: It's sticky and just like those like almost like claws.
• 8:15
  Speaker 2: Yeah, it's not a money win. It's not a money loss.
• 8:17
  Speaker 2: It's just weird.
• 8:19
  Speaker 5: It's just a big inconvenience.
• 8:21
  Speaker 2: One out of ten looks gross.
• 8:22
  Speaker 4: Next, I've got money in from Emma, who said a
• 8:24
  Speaker 4: friend of mine just bought land and was really honest
• 8:27
  Speaker 4: with me about brunch not being in their budget for
• 8:29
  Speaker 4: a while. I suggested, how about we do brunch in
• 8:32
  Speaker 4: important to note, I'm a former chef. She's a good cook,
• 8:35
  Speaker 4: so no worries about nice to do it nice breakfast
• 8:37
  Speaker 4: from home. I hosted the first one, and twenty five
• 8:40
  Speaker 4: dollars later, I had brunch items for five of us
• 8:42
  Speaker 4: and my toddler.
• 8:43
  Speaker 2: Who how could that? That's a good deal.
• 8:45
  Speaker 4: That's less than I feel like what you would pay
• 8:47
  Speaker 4: for one brunch.
• 8:48
  Speaker 2: That's less than five mins each, including that toddler.
• 8:50
  Speaker 4: And now they're going to rotate through and take turns,
• 8:52
  Speaker 4: so next time brunch will be free.
• 8:54
  Speaker 2: We should start doing that. How awesome, that's a really
• 8:56
  Speaker 2: good idea, like the breakfast club. Oh yeah, but gin
• 8:59
  Speaker 2: know what else Jess and a doing potato club? What
• 9:03
  Speaker 2: is this entail? We are having a dinner party that
• 9:06
  Speaker 2: you're invited to actually everybody. We can't feed everybody, but
• 9:09
  Speaker 2: you're invited. The you make the list back, the rest
• 9:13
  Speaker 2: of the team will be invited and we'll share it
• 9:15
  Speaker 2: on socials. But we're gonna do a potato party where
• 9:18
  Speaker 2: every single item on the menu has to include potatoes,
• 9:22
  Speaker 2: including the drinks.
• 9:23
  Speaker 4: Everyone brings a plate. Do potatoes your favorite way? Think
• 9:26
  Speaker 4: about that. That's a great idea.
• 9:28
  Speaker 5: Ten different ways of eating potatoes and cheap, so cheap.
• 9:32
  Speaker 5: If you're Noki and a baked potato.
• 9:34
  Speaker 2: Inted, you're invited, think about all right, that's on the lead.
• 9:38
  Speaker 6: I am.
• 9:39
  Speaker 2: I have been looking up whether sweet potatoes make the
• 9:43
  Speaker 2: car Are they in or are they out? Because there
• 9:46
  Speaker 2: are a lot of desserts you can make with sweet
• 9:48
  Speaker 2: potatoes but not normal potatoes, so we'll have to be crafty.
• 9:52
  Speaker 2: But I did find a recipe for pastry made from
• 9:55
  Speaker 2: potato and flour.
• 9:56
  Speaker 4: Oh, we can be really creative. I am going to
• 9:59
  Speaker 4: try my bestst My next money this week is not
• 10:02
  Speaker 4: potato related, but it comes from Jody who said my
• 10:05
  Speaker 4: boss paid me a sick day when he didn't have
• 10:06
  Speaker 4: to buy law and I was just like, oh, that's
• 10:09
  Speaker 4: kind of nice. Like, I know that you're like, h,
• 10:11
  Speaker 4: that's not exciting. I can see it in your face.
• 10:13
  Speaker 4: But remember, for some people, that's very exciting. Not everyone
• 10:16
  Speaker 4: has a cool boss.
• 10:17
  Speaker 2: I'm not a recoss. I'm a cool boss. I appreciate
• 10:21
  Speaker 2: the ego boost, Jessica, but I also just go, is
• 10:25
  Speaker 2: that not the bare minimum? I know what you mean,
• 10:28
  Speaker 2: but let's celebrate. Let's celebrate it, I guess and beyond
• 10:31
  Speaker 2: and I get it. I totally get it, but I
• 10:34
  Speaker 2: also just think there should be more responsibility on people.
• 10:37
  Speaker 4: Just being nice. Well well done to I don't know
• 10:40
  Speaker 4: a boss's name, but well done, Tim Jody. My next
• 10:43
  Speaker 4: money when it comes from Chloe, who said my skincare
• 10:45
  Speaker 4: is running out and I've been wanting to try go
• 10:47
  Speaker 4: to for a while. Today they had a special on
• 10:49
  Speaker 4: so while I spent forty dollars on simonees to try,
• 10:52
  Speaker 4: I'm also going to get ninety dollars of other product
• 10:54
  Speaker 4: to use as well.
• 10:55
  Speaker 2: What how did I miss these?
• 10:56
  Speaker 4: I got that targeted at this morning and it looks
• 10:58
  Speaker 4: very good. Oh, I'm not sponsored, just avan. I love
• 11:02
  Speaker 4: a targeted dad. Ah, they do be targeting the algorithm algorithm, Yeah,
• 11:08
  Speaker 4: I love it and lastly got to finish on theme.
• 11:11
  Speaker 4: I have a money win from Charlotte, who says I've
• 11:13
  Speaker 4: been putting aside small amounts of money for three years
• 11:17
  Speaker 4: just in case Taylor Swift tours as a huge Swifty.
• 11:20
  Speaker 4: I'm hoping to be buying tickets this week without sacrificing
• 11:23
  Speaker 4: other financial goals.
• 11:24
  Speaker 2: Love Charlotte and everybody else. It makes me so happy
• 11:27
  Speaker 2: because Jess and I were talking about this before and
• 11:29
  Speaker 2: we feel incredibly privileged to have been able to buy
• 11:32
  Speaker 2: tickets in the pre sale because they are obviously, let's
• 11:36
  Speaker 2: be honest, significantly more expensive than normal tickets, but as
• 11:41
  Speaker 2: as Swifty since two thousand and six, like I have
• 11:44
  Speaker 2: been playing her music on piano until my parents will
• 11:46
  Speaker 2: literally like, baby, you need a new book, like we're here,
• 11:49
  Speaker 2: and my dad bought me Delta Gudrum's book instead. Yeah exactly.
• 11:54
  Speaker 2: But I couldn't afford to go to her first concert.
• 11:58
  Speaker 2: I couldn't afford to go to her eighteen concept, none
• 12:01
  Speaker 2: of them. And now I can and I'm just like
• 12:03
  Speaker 2: we are living like past Victoria. She is crying. She's
• 12:08
  Speaker 2: so proud of future Victoria. I know, but like I
• 12:11
  Speaker 2: felt like I missed out. Should be back again. It's
• 12:13
  Speaker 2: Taylor Swift, like if you miss out this time, Like
• 12:15
  Speaker 2: I totally get that, it would be heartbreaking. I think
• 12:17
  Speaker 2: Jess would actually have to take sick days if we
• 12:19
  Speaker 2: didn't get tickets, Like I think she'd be on mental health.
• 12:22
  Speaker 4: Leave enough a hundred percent.
• 12:24
  Speaker 2: Like I'd grant it too, I'd allow that. I'd be
• 12:27
  Speaker 2: like understandable. It's basically like a death in the family because.
• 12:30
  Speaker 4: She's a cool boss.
• 12:31
  Speaker 5: Yeah, she'd be in the moneymans next week, Like my
• 12:33
  Speaker 5: boss didn't need to give me time on Jess.
• 12:36
  Speaker 2: It was Jess. But I just I think it's important
• 12:39
  Speaker 2: to point it out because there are going to be
• 12:40
  Speaker 2: people listening that are like I can't afford it, or
• 12:42
  Speaker 2: I can't do that, or it's really overwhelming at the moment,
• 12:44
  Speaker 2: and it's like this too will pass. There's always going
• 12:47
  Speaker 2: to be another opportunity, and I think that we need
• 12:49
  Speaker 2: to remind ourselves of that as well.
• 12:50
  Speaker 5: Back on track, Beck, Okay, so broke tip for this week,
• 12:53
  Speaker 5: I've got two from our community, and then I will
• 12:56
  Speaker 5: give you one as it usually goes.
• 12:58
  Speaker 2: So the first one is from Hannah.
• 13:00
  Speaker 5: Hana wrote to me and said, so, I work in
• 13:01
  Speaker 5: agriculture slash horticulture, and I'm always giving up planned tips.
• 13:06
  Speaker 5: But I'm sure there are loads of people out there
• 13:08
  Speaker 5: with random job skills that can share to the community.
• 13:11
  Speaker 5: For example, my cousin who is a mechanic, taught me
• 13:13
  Speaker 5: how to install six buck windscreen wipers, which is tips
• 13:17
  Speaker 5: of the trade, which I.
• 13:17
  Speaker 2: Think is a really great easy I have no idea
• 13:19
  Speaker 2: what that is. It's like, basically, you know a thing
• 13:22
  Speaker 2: that windscreen, the windscreen wipers, but basically what the point
• 13:25
  Speaker 2: of this is that you know you can go to
• 13:26
  Speaker 2: like there's.
• 13:27
  Speaker 5: A Brunswick tool library, or.
• 13:29
  Speaker 2: You can learn how to Yeah there is, Oh that's sick.
• 13:32
  Speaker 2: I don't know where it is.
• 13:32
  Speaker 5: I've never been to it. Maybe to shut down, but anyway,
• 13:34
  Speaker 5: please Google. There should be one around you hopefully. But
• 13:36
  Speaker 5: you know, if someone like, for example, I learned how
• 13:38
  Speaker 5: to change my tire. Now, anytime my tire blows and
• 13:41
  Speaker 5: literally just change it myself. I don't have to go pay, Like,
• 13:43
  Speaker 5: I don't know how much it costs. I don't know
• 13:44
  Speaker 5: how much cost because I've never had to do it.
• 13:46
  Speaker 5: Because you're really smart because I know how to change
• 13:48
  Speaker 5: my tire. Yeah, and even your windscreen wipers. If you
• 13:51
  Speaker 5: just know where to buy them and how to fit
• 13:53
  Speaker 5: them yourself, you can do that yourself. You're saving so
• 13:56
  Speaker 5: much money by learning how to do these things on
• 13:58
  Speaker 5: your own, which I think is really just a.
• 14:01
  Speaker 2: Good life tip, let's be honest, a life tip.
• 14:03
  Speaker 5: And also I guess if you have the money and
• 14:06
  Speaker 5: you want to be you want things to be more convenient,
• 14:08
  Speaker 5: and you can'tform it, you can go to the mechanic
• 14:10
  Speaker 5: or whatever.
• 14:10
  Speaker 4: It doesn't have to be mechanic, but you know what
• 14:12
  Speaker 4: I mean.
• 14:12
  Speaker 2: Me learning that you need to replace your in screen wipers,
• 14:16
  Speaker 2: I had no idea.
• 14:17
  Speaker 4: Are they not like here here?
• 14:19
  Speaker 1: And they are?
• 14:20
  Speaker 4: I just thought that was because my old rusty as wow, I.
• 14:25
  Speaker 5: Like, doesn't even wipe off all the rain or no
• 14:28
  Speaker 5: streaky that makes my blood and cold come.
• 14:31
  Speaker 2: She'll sort you out. I'll sell you out for a
• 14:33
  Speaker 2: great price. If you know what I just said.
• 14:36
  Speaker 5: It's sexual aboute hundred dollars, so I'll do it for
• 14:38
  Speaker 5: you for like eighty.
• 14:39
  Speaker 2: Okay, that's a good deal.
• 14:42
  Speaker 5: Great, And my next broke tip for this week is
• 14:44
  Speaker 5: from I hope I'm saying this right. And Alise or
• 14:46
  Speaker 5: Lease I believe their name might be or their nickname
• 14:49
  Speaker 5: might be. They pretty much just said, if you are
• 14:52
  Speaker 5: wanting a to kind of like double up here, feel
• 14:55
  Speaker 5: a little bit wholesome, do something good for the community,
• 14:57
  Speaker 5: and also potentially get a little free feed, donate blood
• 15:01
  Speaker 5: where possible.
• 15:03
  Speaker 2: Which is a really good tip you've shared.
• 15:05
  Speaker 5: Yeah, thank you. Well I wish I could take credit,
• 15:08
  Speaker 5: but this one is all analyst, so yeah. And they
• 15:11
  Speaker 5: did say, you know, if you are low and iron
• 15:14
  Speaker 5: or something, which is kind of my thing as well,
• 15:16
  Speaker 5: you can donate plasma. So obviously just like go and
• 15:18
  Speaker 5: talk to them and see what you can do and
• 15:20
  Speaker 5: what you can donate and what you can't donate, et cetera,
• 15:22
  Speaker 5: and you might get a free feed and.
• 15:25
  Speaker 2: You're doing something really good for the world.
• 15:27
  Speaker 4: You get those really nice texts after you've donated blood.
• 15:30
  Speaker 4: They tell you when it's going somewhere, like you get
• 15:31
  Speaker 4: an update that says your blood's going to children's hospital
• 15:34
  Speaker 4: in XYZ and you're, oh, my god, like it's actually, yeah,
• 15:37
  Speaker 4: I love helping someone. It's so lovely.
• 15:39
  Speaker 2: Unless you're like me and you faint on them and
• 15:42
  Speaker 2: they say please don't come back.
• 15:44
  Speaker 4: Yeah, I have done that, and then they say you
• 15:46
  Speaker 4: can't get in your car and you have to uper
• 15:48
  Speaker 4: home money.
• 15:48
  Speaker 5: Loss, money loss, Okay, don't do that.
• 15:51
  Speaker 3: I was like, okay, so sorry, I can I still
• 15:57
  Speaker 3: take a chalky milk? Did you still get a choking
• 16:00
  Speaker 3: still got the tricky meal? Oh that's very cute. So
• 16:02
  Speaker 3: you're a thief.
• 16:05
  Speaker 2: I needed it for my recovery bet. That's no, that's
• 16:08
  Speaker 2: very true. That's very true. Okay.
• 16:10
  Speaker 5: I feel like you guys are usually disappointed with my
• 16:13
  Speaker 5: personal broked in, but no we're not.
• 16:16
  Speaker 2: But that's very nice. Okay, we already dub a different
• 16:19
  Speaker 2: broke tip my favorite though, So this better be good.
• 16:23
  Speaker 5: It's not gonna be no pressure, yes, pressure, it's on me.
• 16:27
  Speaker 4: Okay.
• 16:28
  Speaker 5: If you are going out with friends and you are
• 16:30
  Speaker 5: partial to a drink and you don't want to spend
• 16:32
  Speaker 5: too much money, slept with a man, sleep with a man.
• 16:38
  Speaker 2: Sorry, or women, or or flirt with out.
• 16:42
  Speaker 5: Peopleson who who is rich? So marry a rich person. No,
• 16:47
  Speaker 5: before you do that, go to the servo, not to service, sorry,
• 16:50
  Speaker 5: go to this liquor store and get yourself a four
• 16:52
  Speaker 5: dollars bottle of red wine. I'm sure you get that
• 16:55
  Speaker 5: in white one too. You can, and if you are
• 16:57
  Speaker 5: broke Unfortunately, you're just gonna have to deal with it, okay,
• 17:00
  Speaker 5: because it doesn't It doesn't taste bad.
• 17:03
  Speaker 2: I quite like the cheap makes you sexier if you're
• 17:06
  Speaker 2: into the cask, but if you buy a terrible here
• 17:09
  Speaker 2: this is Victoria's actual life hat. Yes, sorry to hijack
• 17:13
  Speaker 2: you there. Please, I think you need to try this
• 17:15
  Speaker 2: out for the community. By the way, cheap bottle of
• 17:18
  Speaker 2: red wine. Put it in the blender. What pinch of salt?
• 17:23
  Speaker 2: Blend it? The salt counteracts the sul fights in it,
• 17:27
  Speaker 2: so it doesn't taste as black and the aeration makes
• 17:31
  Speaker 2: it taste like a better wine. Oh, so you like
• 17:34
  Speaker 2: have to blend the hell out of it. Then just
• 17:36
  Speaker 2: like let it settle and pour it back into the bottle,
• 17:38
  Speaker 2: because there's it does feel a bit dank pouring a
• 17:42
  Speaker 2: glass of wine from your blender.
• 17:45
  Speaker 5: What a nutritious set That is delicious and so.
• 17:50
  Speaker 2: Good fights I swear by university Victoria did that all
• 17:52
  Speaker 2: the time. That's actually a really good idea, So thank
• 17:55
  Speaker 2: you for that, bro tip. You're not going to do that,
• 17:57
  Speaker 2: so you're recommending for dollar wine.
• 18:00
  Speaker 5: Yeah, personally, I'm not going to do that because I
• 18:02
  Speaker 5: know I'm used to the flavor, very very cheap things,
• 18:05
  Speaker 5: and I quite enjoy.
• 18:07
  Speaker 4: So what's your recommendation my brand?
• 18:09
  Speaker 2: Oh, my recommendation for a brand? I love a clean Skin.
• 18:12
  Speaker 5: I think that's trually the name of the brand. And
• 18:15
  Speaker 5: I don't know if that's crazy to say, but I don't.
• 18:17
  Speaker 2: Think it's actually clean.
• 18:19
  Speaker 5: It's it's literally called clean skin, and it's like six
• 18:23
  Speaker 5: dollars I think, and it's very tasty. I love a chirasm.
• 18:26
  Speaker 2: So okay, thanks taking over the world. So let's go
• 18:30
  Speaker 2: to a really break and after we're going to be
• 18:32
  Speaker 2: talking about working from home expenses and how to claim
• 18:34
  Speaker 2: them on your tax return. And we're unpacking a DM
• 18:37
  Speaker 2: all about how to budget when traveling with friends and
• 18:40
  Speaker 2: splitting costs, and it does get a little bit spicy,
• 18:44
  Speaker 2: so guys, don't go anywhere.
• 18:50
  Speaker 4: Welcome back, everybody. Let's have a listen to this week's
• 18:53
  Speaker 4: money dilemma.
• 18:56
  Speaker 2: Hi, there, have you got a money dilemma you just
• 18:58
  Speaker 2: can't solve the She's on the team is here to help.
• 19:01
  Speaker 2: Every week we tackle your dilemmas, both big and small,
• 19:04
  Speaker 2: to answer your most burning money, career and life questions.
• 19:08
  Speaker 2: To get involved, simply head to our website and leave
• 19:10
  Speaker 2: us a short voice recording and you might just find
• 19:12
  Speaker 2: yourself on the show. Now, let's take a listen to
• 19:15
  Speaker 2: this week's Money dilemma.
• 19:20
  Speaker 6: Hi, she's on the Money team. I have a question
• 19:23
  Speaker 6: following the tax time episode, I was planning to claim
• 19:28
  Speaker 6: the fixed rate tax method for working from home, and
• 19:32
  Speaker 6: I've been keeping a detailed record of the days and
• 19:34
  Speaker 6: hours that I do work for My question is do
• 19:38
  Speaker 6: I need to also have a record of the bills
• 19:41
  Speaker 6: that I've been paying, so the electricity bills, the water bills, etc.
• 19:45
  Speaker 6: For me, I currently live home with my parents, so
• 19:48
  Speaker 6: a lot of those bills are in their name other
• 19:50
  Speaker 6: than see my telephone bill. I'm not sure if I
• 19:54
  Speaker 6: can then claim or what I should be doing. I'm
• 19:57
  Speaker 6: a bit confused, and I'm sure there's lots of other
• 19:59
  Speaker 6: peop out there in the same boat, So thanks for
• 20:02
  Speaker 6: your help.
• 20:03
  Speaker 2: This one's an interesting one because the ATO recently came
• 20:06
  Speaker 2: out and said that this year their focus is on
• 20:09
  Speaker 2: making sure that people are not claiming things they shouldn't
• 20:12
  Speaker 2: be when working from home. Because we went through COVID,
• 20:16
  Speaker 2: everybody worked from home, there are a whole heap of
• 20:18
  Speaker 2: I guess liberties that we could take to claim while
• 20:21
  Speaker 2: working from home, and now they've been like mmmmmm not forever,
• 20:24
  Speaker 2: my friends. So I find this an interesting one. Obviously,
• 20:28
  Speaker 2: I'm not an accountant, and we really should preface it
• 20:30
  Speaker 2: with that, because I think that this is a topic
• 20:32
  Speaker 2: that ultimately I can't directly answer. You need to talk
• 20:36
  Speaker 2: to your accountant. But what I do know is you
• 20:39
  Speaker 2: need documentation. My other question is I'm making the assumption
• 20:43
  Speaker 2: that if your parents are paying the bill, they're maybe
• 20:45
  Speaker 2: splitting it with you, and if that's the case, you
• 20:48
  Speaker 2: could potentially claim your portion, but you would need proof
• 20:51
  Speaker 2: of one the total bilberd to what your portion was
• 20:54
  Speaker 2: of it. But if you're not, for some reason, actually
• 20:57
  Speaker 2: directly paying the bill, maybe your parents just charge you.
• 21:00
  Speaker 2: This is an assumption, like two hundred dollars a week
• 21:02
  Speaker 2: board or something. You can't go ahead and then claim
• 21:05
  Speaker 2: an expense that wasn't directly related to you even though
• 21:08
  Speaker 2: you used it. It's kind of like you coming over
• 21:10
  Speaker 2: Beck and being like, oh, I work from Victoria's house,
• 21:13
  Speaker 2: you know, a couple of days a week, I'm going
• 21:14
  Speaker 2: to claim the internet access that I used at her place.
• 21:17
  Speaker 2: Like that's not how it works. So I think it's
• 21:19
  Speaker 2: it's an interesting question. There's a lot of information this year,
• 21:22
  Speaker 2: particularly about working from home and what you can and
• 21:25
  Speaker 2: can't claim, on the ATO website, which is ATO dot
• 21:28
  Speaker 2: gov dot au, and I would check that out because, honestly,
• 21:32
  Speaker 2: the game has kind of changed a little bit. They've
• 21:34
  Speaker 2: definitely refreshed the way that they are letting taxpayers claim things,
• 21:38
  Speaker 2: but also what costs they're letting you take advantage of
• 21:42
  Speaker 2: and not. So I think it's really important to I guess,
• 21:44
  Speaker 2: do a bit of research. There's definitely merit in keeping
• 21:47
  Speaker 2: that diary that you've kept of when you're working from
• 21:49
  Speaker 2: home and how that works. But at the end of
• 21:52
  Speaker 2: the day, you need to kind of look at what
• 21:54
  Speaker 2: is most applicable to you and what you think is
• 21:56
  Speaker 2: fair and reasonable. So I would, honestly, if you're confused,
• 22:00
  Speaker 2: talk to an accountant. As you guys know, I'm a
• 22:02
  Speaker 2: big fan of getting professional advice where you can afford it.
• 22:05
  Speaker 2: The other money win with seeing an accountant is you
• 22:07
  Speaker 2: can claim the accountant's fees next year on your tax
• 22:10
  Speaker 2: returns to their tax deductible, which is.
• 22:12
  Speaker 4: Kind of sexy and more often than not they pay
• 22:14
  Speaker 4: for themselves. Last year was my first year seeing someone
• 22:17
  Speaker 4: a tax agent, and it literally they claimed me so
• 22:19
  Speaker 4: much more than I knew that I could. So if
• 22:21
  Speaker 4: you're in that situation, it might pay for itself.
• 22:24
  Speaker 5: Okay, so I obviously can't be giving advice on this,
• 22:28
  Speaker 5: but I think everything you guys have said is elite.
• 22:31
  Speaker 4: You can have the first crack at the community to
• 22:32
  Speaker 4: let me have about that.
• 22:33
  Speaker 2: Okay, that found great. You're nothing if not generous, Jess.
• 22:37
  Speaker 4: I just won't need to go first.
• 22:40
  Speaker 2: So that's a good idea. You're nothing if not generous.
• 22:44
  Speaker 2: I'm nothing. That is not how we speak to our
• 22:48
  Speaker 2: fellow team members. For you, what's weird for me?
• 22:53
  Speaker 5: I'm so sorry.
• 22:55
  Speaker 2: You're not sorry. You're sorry you got called out. I
• 22:58
  Speaker 2: am sure even three people left listening to this.
• 23:02
  Speaker 4: I know.
• 23:03
  Speaker 2: Thanks for coming all the way. All right, community dilemma,
• 23:05
  Speaker 2: let's dive in this week. I got a message and
• 23:08
  Speaker 2: it sounded like this, Hi, Ve, I would love your advice.
• 23:11
  Speaker 2: So I'm going to Europe soom with two of my
• 23:13
  Speaker 2: best friends. Like everybody else in the country. At this point,
• 23:16
  Speaker 2: as we get closer, I've realized that I think we're
• 23:19
  Speaker 2: on totally different pages about what type of holiday and
• 23:22
  Speaker 2: experience we want. Me and friend number one are quite similar,
• 23:26
  Speaker 2: and we've already compromised on accommodation and we met the
• 23:29
  Speaker 2: budget of quote friend too. We personally would have been
• 23:33
  Speaker 2: willing to pay a bit more, but she wasn't, so
• 23:35
  Speaker 2: we were happy to do this for her. But now
• 23:38
  Speaker 2: I'm looking at booking a bunch of restaurants and activities
• 23:40
  Speaker 2: for us, and she's rejected all of my suggestions, saying
• 23:43
  Speaker 2: that they're too expensive and she wouldn't pay that. I'm
• 23:46
  Speaker 2: stuck on what to do now, as me and friend
• 23:49
  Speaker 2: number one would love to go to nice restaurants and
• 23:51
  Speaker 2: treat ourselves. I've worked so hard to save up for
• 23:54
  Speaker 2: this trip, and if it comes down to it, I
• 23:56
  Speaker 2: would go and do these things, even if it meant
• 23:58
  Speaker 2: going without her. But is that awful of us to
• 24:01
  Speaker 2: leave her to do all these things when we're all
• 24:03
  Speaker 2: meant to be traveling together? Mmmmmm tricky? Tricky?
• 24:08
  Speaker 5: Well, you know, I think we've all been that friend
• 24:12
  Speaker 5: that's kind of afford anything, But I think that there
• 24:15
  Speaker 5: are al ways around it. It doesn't maybe sound like
• 24:19
  Speaker 5: the would I say, Friend number three, could I call
• 24:22
  Speaker 5: this person that Friend number three is willing to compromise
• 24:27
  Speaker 5: that much, but hopefully it's just like a financial compromise.
• 24:30
  Speaker 5: Hopefully they're willing to be like, cool, I'll come to
• 24:32
  Speaker 5: this thing with you. I might just like eat first.
• 24:34
  Speaker 5: That way I don't have to I can just buy
• 24:35
  Speaker 5: a starter and not have to spend too much money.
• 24:37
  Speaker 5: I still want to experience these things with you, but
• 24:39
  Speaker 5: just not spend the money, which is completely You're able
• 24:43
  Speaker 5: to do that, like you don't have to miss out
• 24:45
  Speaker 5: on things. But I would say, just have a I
• 24:47
  Speaker 5: don't know, just have a chat with this person, be
• 24:49
  Speaker 5: like is it financially you're not willing or not able
• 24:52
  Speaker 5: to do this?
• 24:53
  Speaker 2: Or do you?
• 24:54
  Speaker 5: Are you feeling like this is overwhelming? You like, is
• 24:57
  Speaker 5: there an underlying reason why this person is kind of
• 24:59
  Speaker 5: like things? Because it's literally just financial. There are so
• 25:03
  Speaker 5: many ways around that eat first, go get some street food,
• 25:06
  Speaker 5: go whatever, you know, do cheaper things, and also do
• 25:10
  Speaker 5: the more expensive things. But your friend doesn't have to
• 25:12
  Speaker 5: the participate or spend as much money as you're going
• 25:14
  Speaker 5: to spend. There are definitely ways around them.
• 25:16
  Speaker 4: I think it's hard because in my mind, everyone's entitled
• 25:21
  Speaker 4: to holiday that the way that they won and going
• 25:23
  Speaker 4: to Europe is no small undertaking. So on one hand,
• 25:26
  Speaker 4: I'm like, well, for the friend with the smaller budget, who,
• 25:28
  Speaker 4: as you said, we have all been there, you know,
• 25:31
  Speaker 4: she might just want to get there, and she might
• 25:32
  Speaker 4: just be like, oh my gosh, I'm real happy to
• 25:34
  Speaker 4: be here, can barely afford to do anything, but excited nonetheless.
• 25:38
  Speaker 4: But at the same time, the friends who have the
• 25:40
  Speaker 4: larger budget, I also go for a lot of people,
• 25:42
  Speaker 4: a trip to Europe is a once in a lifetime trip,
• 25:44
  Speaker 4: and so if there's really exciting things that they've saved
• 25:46
  Speaker 4: and they want to do, they should also be able
• 25:48
  Speaker 4: to do those. So I feel like it is a
• 25:51
  Speaker 4: matter of getting on the same page before you go.
• 25:55
  Speaker 4: You don't leave it till you get there, because that
• 25:57
  Speaker 4: is a recipe for disaster and for ruining everybody's time
• 25:59
  Speaker 4: and way everybody's money. But I think you kind of
• 26:02
  Speaker 4: have to find a way, as you said, to either
• 26:04
  Speaker 4: compromise and meet in the middle. Like they've compromised on
• 26:07
  Speaker 4: the accommodation. It's within the budget of everyone. Are there
• 26:09
  Speaker 4: some restaurants that you can add to lists that are
• 26:11
  Speaker 4: in the budget of everyone? But I also think that
• 26:14
  Speaker 4: they may be the girls with the bigger budget need
• 26:17
  Speaker 4: to do some lower budget activities and the girl with
• 26:19
  Speaker 4: the lower budget needs to be okay with the girls
• 26:22
  Speaker 4: with the larger budget maybe going off and doing some
• 26:24
  Speaker 4: things on their own, because I think when you travel
• 26:26
  Speaker 4: in a group, there's this misconception that you always have
• 26:29
  Speaker 4: to be together all of the time. As well, we've
• 26:32
  Speaker 4: done that.
• 26:32
  Speaker 2: Jess and I went to Europe in a group of
• 26:34
  Speaker 2: what was there five of us and it didn't mean
• 26:36
  Speaker 2: that we were all doing the same thing. So guess
• 26:38
  Speaker 2: what beck no chance was I getting up at six
• 26:41
  Speaker 2: am in Paris to go to the fancy museum to
• 26:44
  Speaker 2: get the content photos. Who was doing this?
• 26:47
  Speaker 4: Oh wow, I've always wanted to see water lilies and
• 26:50
  Speaker 4: I got to sit there and absorb it and it
• 26:51
  Speaker 4: was the best experence.
• 26:52
  Speaker 2: There was nobody else there.
• 26:54
  Speaker 4: It was like me and the paintings was gorgeous, and
• 26:56
  Speaker 4: I was like, I'm going to get me up. So
• 27:01
  Speaker 4: that's the thing, right, Like everyone has different values, and everyone,
• 27:04
  Speaker 4: I think should be able to enjoy their holiday in
• 27:05
  Speaker 4: a way that they can afford. I think if you
• 27:08
  Speaker 4: do all want to travel together, you've got to compromise
• 27:10
  Speaker 4: and find a way to meet in the middle. If
• 27:12
  Speaker 4: you can't, it might be that maybe your trips just
• 27:15
  Speaker 4: aren't a one and that is also okay. If you go,
• 27:17
  Speaker 4: we want to have a really fancy, bougie holiday, and
• 27:20
  Speaker 4: Friend number three goes, oh, I just want to kind
• 27:22
  Speaker 4: of do a budget, just want to see the world,
• 27:24
  Speaker 4: backpack it across, also very fine. But it may be
• 27:29
  Speaker 4: that you actually can't do the two concurrently, and maybe
• 27:32
  Speaker 4: you just go, oh, maybe we do two separate trips.
• 27:34
  Speaker 4: Maybe Friend three fines Friend four to go with them,
• 27:37
  Speaker 4: and friend want and two go off on their own,
• 27:38
  Speaker 4: or maybe you travel together for a little bit and
• 27:40
  Speaker 4: split off or something like that. Because you don't want
• 27:44
  Speaker 4: anyone to come home from something like that, which is
• 27:46
  Speaker 4: such a huge financial investment to come from Australia just
• 27:49
  Speaker 4: to get there is several thousand dollars before you pay
• 27:52
  Speaker 4: for anything else. You don't want anyone to come home
• 27:54
  Speaker 4: from that feeling disappointed. And that's you know what I mean.
• 27:57
  Speaker 4: I feel like they're doing the right thing. Now hash
• 27:59
  Speaker 4: it out now, I think.
• 28:01
  Speaker 2: Again reiterating what you said, Jess, like have the conversation
• 28:05
  Speaker 2: beforehand is perfect, but we're clearly not in that situation.
• 28:09
  Speaker 2: We've now booked we're in the middle of it. I'd
• 28:11
  Speaker 2: actually sit down and go, all right, well, let's wipe
• 28:13
  Speaker 2: off the table everything that we want to talk about, like,
• 28:16
  Speaker 2: I don't care about what you want to do, I
• 28:17
  Speaker 2: don't care what you want to do back, and we're
• 28:19
  Speaker 2: going to sit down and just talk about all right, well,
• 28:21
  Speaker 2: what was your daily budget, what did that look like?
• 28:24
  Speaker 2: How can we mix and match activities to suit? Because
• 28:28
  Speaker 2: when you're in Europe, if you do enough good research,
• 28:32
  Speaker 2: there are so many free things to do. And some
• 28:34
  Speaker 2: of my favorite things when I have traveled to different locations,
• 28:38
  Speaker 2: and I think I've said this on the podcast, on
• 28:39
  Speaker 2: the travel episodes, my favorite thing to do when I
• 28:42
  Speaker 2: get to a new location I've never been on is
• 28:44
  Speaker 2: finding a walking tour and going on one of those
• 28:47
  Speaker 2: because you get to see like the town and honestly,
• 28:51
  Speaker 2: they're free because they run by, Let's be honest, crazy
• 28:54
  Speaker 2: passionate people about the town. They know all of the tips,
• 28:57
  Speaker 2: they know all of the good bars, they know all
• 28:59
  Speaker 2: the really interesting fact they'll point out their cemetery and
• 29:01
  Speaker 2: tell you who is in there, Like it's just so interesting.
• 29:04
  Speaker 2: And I mean, yes, you probably should be tipping your
• 29:07
  Speaker 2: travel guide and whoever has taken you. But if you
• 29:09
  Speaker 2: can't afford that, then they're absolutely free. But there are
• 29:12
  Speaker 2: so many things that you can do that are free
• 29:14
  Speaker 2: that means that might free up a bit of that
• 29:16
  Speaker 2: daily budget to have a nice at dinner. And at
• 29:18
  Speaker 2: that point you can say, well, we want to go
• 29:20
  Speaker 2: and do this and this. Jess what day would suit you? Oh,
• 29:25
  Speaker 2: I don't really want to go Okay, no worries. What
• 29:27
  Speaker 2: day would suit you for Beck and I to go
• 29:29
  Speaker 2: off and have that fancy dinner? Is there something like
• 29:32
  Speaker 2: that you know you've worked out you want to see
• 29:34
  Speaker 2: and you might go just oh, actually I found this
• 29:37
  Speaker 2: pub in London that does truviaut and tend doll the Parmers,
• 29:41
  Speaker 2: and I'm going to go to that see if i
• 29:42
  Speaker 2: can make some new friends and I go bingo. That's
• 29:45
  Speaker 2: the day Beck and I are going to go off
• 29:46
  Speaker 2: because we all have something that we can get up to.
• 29:49
  Speaker 2: So I think planning is really important, but also just
• 29:52
  Speaker 2: being really honest, like we really want to do these things,
• 29:55
  Speaker 2: they're on our list. How can we make those things happen?
• 29:58
  Speaker 2: When you travel as a group. From my perspective, it
• 30:00
  Speaker 2: is about compromise, like it's not my dream holiday. It's
• 30:04
  Speaker 2: our dream holiday. So it's not going to be one
• 30:06
  Speaker 2: hundred percent what Victoria wants or one hundred percent what
• 30:08
  Speaker 2: Jess wants. We kind of have to go, well, what
• 30:11
  Speaker 2: does this budget look like, how does this work? How
• 30:13
  Speaker 2: can we save? And something that you know Jess knows
• 30:16
  Speaker 2: because I'm unlucky for her. She traveled with me quite
• 30:19
  Speaker 2: a bit.
• 30:19
  Speaker 4: Now.
• 30:20
  Speaker 2: I don't care about breakfast in other countries. I am
• 30:25
  Speaker 2: a brunch girly through and through in Australia. Going out
• 30:29
  Speaker 2: for breakfast in other countries to me, Jess, what do
• 30:31
  Speaker 2: I think of it? Not much? Absolutely absolute lost money.
• 30:36
  Speaker 2: I'm like, this is for fuel. I'm not enjoying myself
• 30:40
  Speaker 2: before ten am. It's not gonna happen. So if there's
• 30:43
  Speaker 2: free breakfast buffet, it's fantastic. Am I adding it on
• 30:46
  Speaker 2: to my hotel experience though, Jessica?
• 30:48
  Speaker 4: Absolutely not.
• 30:49
  Speaker 2: No, we're not paying for that. I'm not paying for
• 30:52
  Speaker 2: the privilege of two slices of not even veggie, might
• 30:55
  Speaker 2: toast because you don't offer that in Europe. But a
• 30:58
  Speaker 2: toast what another ten euros or something? Absolutely not, Jess,
• 31:02
  Speaker 2: what are we doing?
• 31:03
  Speaker 4: We're going to the supermarket thank you.
• 31:06
  Speaker 5: Whoa You guys did not even rehearses ahead of time
• 31:10
  Speaker 5: because she knows, she knows Rain. I cannot believe what's
• 31:17
  Speaker 5: happening right in front of my knows.
• 31:19
  Speaker 2: Like the second we got to America, I was like, right,
• 31:22
  Speaker 2: we're off to target. What do you want? What's your
• 31:25
  Speaker 2: cereal of choice? Got a big thing of boat milk coffee.
• 31:28
  Speaker 2: Oh no, we're not paying for American coffee.
• 31:30
  Speaker 4: No, we wint buy breakfast for a week.
• 31:32
  Speaker 6: No.
• 31:33
  Speaker 5: Wow.
• 31:33
  Speaker 2: It was like twenty dollars American and we got in America.
• 31:37
  Speaker 2: Like their coffee is honestly, it's not better. Australian coffee
• 31:41
  Speaker 2: is elite, but their bottled coffee is better, and they
• 31:44
  Speaker 2: like do bottled Starbucks. So it's like what like cold
• 31:47
  Speaker 2: filtered coffee just doesn't drink coffee because it's a psychopath
• 31:50
  Speaker 2: but filtered coffee and then like you can buy a creamer.
• 31:53
  Speaker 2: So I was making my own coffee is in the
• 31:55
  Speaker 2: room and I was Jess. I took my own sippy cup,
• 32:00
  Speaker 2: like you know, like the plastic reusables you know, the
• 32:02
  Speaker 2: Starbucks like were usable, like made my owner slatt and
• 32:07
  Speaker 2: would take them back to the conference.
• 32:09
  Speaker 5: Yeah, that's not embarrassed.
• 32:11
  Speaker 2: Of me sometimes not wasting money on that like that
• 32:14
  Speaker 2: to me. You know what, if you love breakfast, you
• 32:17
  Speaker 2: do you the idea that we could have a really
• 32:19
  Speaker 2: relaxed warning, we'd get up. I'd be like, oh, do
• 32:21
  Speaker 2: you want me to make your cereal?
• 32:25
  Speaker 4: Don't start with me. No one's safe in this room.
• 32:29
  Speaker 2: She is a dry.
• 32:31
  Speaker 5: What Jessica, Jessica raw dog cerealso not obvious.
• 32:40
  Speaker 4: My hands.
• 32:43
  Speaker 2: Dry not all. You can't do it.
• 32:45
  Speaker 4: You can't do it all cereals, Like, there is a
• 32:47
  Speaker 4: select few cereals that taste better dry rice bubbles, but I.
• 32:53
  Speaker 2: Would never use a spoon. You use your hands into
• 32:58
  Speaker 2: a chick. It's not a chip. Yeah, they're like tiny.
• 33:01
  Speaker 4: Yeah, you goop up a handful of snacks. That's true.
• 33:07
  Speaker 4: That's the good point with.
• 33:09
  Speaker 2: The bag, and you like get all, you like pour it,
• 33:11
  Speaker 2: Like what were you missing here?
• 33:13
  Speaker 6: Is?
• 33:13
  Speaker 2: She said, rice bubbles the most blend of cereals. That
• 33:18
  Speaker 2: really good.
• 33:21
  Speaker 4: Lucky charms also delicious.
• 33:23
  Speaker 2: I love it Lucky okay, but they're mini marshmallows. So
• 33:27
  Speaker 2: she was eating dry cereal every morning.
• 33:30
  Speaker 4: And the victory would make my cereal and make my cereal.
• 33:36
  Speaker 2: And I was like breakfast in bed baby that it
• 33:39
  Speaker 2: was actually really good. And then America again everything is
• 33:43
  Speaker 2: made for convenience. We bore what did we buy those?
• 33:46
  Speaker 2: Like uncrustable sandwiches. Love those un crustable sandwiches are my
• 33:51
  Speaker 2: favorite thing in the entire world.
• 33:52
  Speaker 5: Crustable sandwich.
• 33:54
  Speaker 2: It is exactly what you think it is. It's not
• 33:57
  Speaker 2: a sandwich without a crust.
• 33:59
  Speaker 6: Cool.
• 34:00
  Speaker 2: It's like they made a white bread sandwich with peanut
• 34:02
  Speaker 2: butter and jelly, and then they got around cookie cutter
• 34:05
  Speaker 2: and cut the middle out.
• 34:06
  Speaker 4: And then they gave the great idea and your m
• 34:09
  Speaker 4: ands is really good. They do a lot of little
• 34:11
  Speaker 4: pre done you can do like a apples and peanut butter,
• 34:15
  Speaker 4: or they do these really yummy cuoses that come with
• 34:18
  Speaker 4: their own little sauce. Like there's lots of things that
• 34:19
  Speaker 4: you can get that will cost you very little money
• 34:22
  Speaker 4: that if you stash them in your hotel fridge.
• 34:24
  Speaker 2: I feel like this lunch is done leading us into
• 34:26
  Speaker 2: another like Victoria and Jess travel hacks, because we, honestly,
• 34:30
  Speaker 2: I would think every time we've traveled, when we've done America,
• 34:34
  Speaker 2: we've done a lot of Europe, we did the UK,
• 34:37
  Speaker 2: we go into America again this year for another conference.
• 34:40
  Speaker 2: I would say that the most money we spend on
• 34:42
  Speaker 2: food is definitely dinner, Like we'll go out for a
• 34:45
  Speaker 2: nice dinner and have a nice dinner, but we're very
• 34:47
  Speaker 2: likely to eat our breakfast in our rooms before we go,
• 34:50
  Speaker 2: carry snacks and maybe go and just do convenience lunches. Yeah,
• 34:54
  Speaker 2: like somewhere cheap, like we're not dining out for lunch.
• 34:58
  Speaker 2: It's or like is it five bucks? Yep, that's a
• 35:00
  Speaker 2: good deal.
• 35:00
  Speaker 4: Yeah, you can do it cheap. And so you like
• 35:02
  Speaker 4: as to get bring back around to the point like
• 35:05
  Speaker 4: you can do it really affordably, I think. But it's
• 35:07
  Speaker 4: again it's about finding someone who's happy to do the
• 35:10
  Speaker 4: same thing as you. Because if I was like no, no, no,
• 35:12
  Speaker 4: like I want to go to the Riots for breakfast
• 35:15
  Speaker 4: every morning and have something really fancy, and Victoria's like,
• 35:17
  Speaker 4: oh well, I really want my one dollar uncrustable, So
• 35:20
  Speaker 4: I do do either we go okay, great, we go
• 35:23
  Speaker 4: to our own things, or someone's going to have to
• 35:26
  Speaker 4: compromise or it's not true work.
• 35:27
  Speaker 2: But it's all about communication, right, And I think it's
• 35:29
  Speaker 2: also about the experience that you make it like having
• 35:32
  Speaker 2: a quick lunch might not be for you, But the
• 35:35
  Speaker 2: way we made it was like, let's go to M
• 35:36
  Speaker 2: and S or let's go to the supermarket in France,
• 35:39
  Speaker 2: we went a board of bread and butter and I think, yeah, literally,
• 35:43
  Speaker 2: but we went and had a picnic and like did
• 35:45
  Speaker 2: like just little things like that where it's like, well,
• 35:47
  Speaker 2: how do we make this into an experience without upgrading
• 35:50
  Speaker 2: how much it costs? And I think just talking about
• 35:53
  Speaker 2: it and going, oh cool, Well, what area are we
• 35:55
  Speaker 2: going to be in? Oh, a quick lunch would make
• 35:58
  Speaker 2: sense because we're going from one venue to another, or oh,
• 36:02
  Speaker 2: we actually have a couple of hours. I don't want
• 36:04
  Speaker 2: to do a long lunch that would be expert. How
• 36:05
  Speaker 2: about we do a little picnic. We can go to
• 36:07
  Speaker 2: the supermarket and get a tump of homics and some dip.
• 36:10
  Speaker 2: Like we can actually make this a very cheap lunch.
• 36:13
  Speaker 2: That works out all right. So we did ask the community.
• 36:16
  Speaker 2: We said, have you had a similar experience when traveling
• 36:19
  Speaker 2: with a friend? Fifty five percent of you said yes,
• 36:22
  Speaker 2: And we said, if yes, did it negatively impact your friendship?
• 36:26
  Speaker 2: Fifty eight percent said yes. Then we said, do you
• 36:30
  Speaker 2: think it's okay for the two friends to do things
• 36:32
  Speaker 2: without the third friend, and eighty six percent of you
• 36:35
  Speaker 2: said yes, absolutely. I just think it needs to be
• 36:38
  Speaker 2: well communicated. I don't think it's a bad thing to go, oh, well, Jess,
• 36:41
  Speaker 2: I really want to do X, Y and Z, like
• 36:44
  Speaker 2: if it's not in line with their values, like why
• 36:46
  Speaker 2: are you pushing it on them in every other circumstance
• 36:49
  Speaker 2: of your life? That is not acceptable from my perspective.
• 36:52
  Speaker 2: Why would it change when you're on holidays? If you feel.
• 36:55
  Speaker 5: Loved and cared for and secure in your friendship, and
• 36:59
  Speaker 5: you make someone feel secure in the friendship, then you
• 37:01
  Speaker 5: can go and.
• 37:02
  Speaker 2: Do And I think there's the right way to go
• 37:03
  Speaker 2: about communicating that. And that's why I go, let's strip
• 37:06
  Speaker 2: it back and actually go, well, what's our daily budget
• 37:08
  Speaker 2: and yours might be so wildly different. Were oh, that
• 37:11
  Speaker 2: is a bit different. So I've got one hundred dollars
• 37:14
  Speaker 2: a day and you might have eighty dollars a day.
• 37:16
  Speaker 2: That is the difference. And I think that there's a
• 37:18
  Speaker 2: really good conversation if we go all the way back
• 37:21
  Speaker 2: to the start. Whereas if what if Jess and I
• 37:23
  Speaker 2: have identified that you don't want to come beck, and
• 37:25
  Speaker 2: so we go oh maybe, Actually, Jess, do you really
• 37:28
  Speaker 2: want to go to this restaurant? All right, well, don't
• 37:29
  Speaker 2: mention it to Beck because you might feel bad. Then
• 37:31
  Speaker 2: it becomes this like secret and it becomes like, oh,
• 37:35
  Speaker 2: we really want to go, but we haven't told Beck,
• 37:37
  Speaker 2: and Beck, oh we don't know, do you know what
• 37:39
  Speaker 2: I mean? It becomes this awkward thing. How about we
• 37:41
  Speaker 2: just go all right, well, I really want to go
• 37:43
  Speaker 2: to these restaurants or do this thing or these are
• 37:45
  Speaker 2: my expectations. And as I said, we can work out
• 37:48
  Speaker 2: a time that works for everybody so that no one
• 37:50
  Speaker 2: feels left out or no one feels like we're being
• 37:53
  Speaker 2: a little bit sneaky. Back to the community, Basically, everybody
• 37:57
  Speaker 2: said the same thing. Do what you want is your why.
• 38:00
  Speaker 2: Someone else said, don't let someone else's money values override
• 38:03
  Speaker 2: your own. If this is important to you, go and
• 38:05
  Speaker 2: spend that money. Sis. Someone said, spend some days spreading
• 38:09
  Speaker 2: out and doing things that you really want to do.
• 38:11
  Speaker 2: It's your holiday, enjoy it. Someone else said, it's actually
• 38:14
  Speaker 2: really healthy to not spend twenty four seven with the
• 38:17
  Speaker 2: people you're traveling with.
• 38:18
  Speaker 4: Great points, that's very true.
• 38:20
  Speaker 2: Yeah, I think we needed some space.
• 38:23
  Speaker 4: I think, yeah, well, you just spend so much time
• 38:25
  Speaker 4: with somebody and like you can have a lot of fun.
• 38:27
  Speaker 4: But you also, I think in our circumstance, particularly like
• 38:31
  Speaker 4: we lived together, we were eating together, we were working together,
• 38:35
  Speaker 4: like I mean, we live together on holiday not like normally,
• 38:37
  Speaker 4: but Jerry, like you spend so we probably should just
• 38:39
  Speaker 4: move in at this point, let's be honest. Yeah, but
• 38:42
  Speaker 4: no matter how good of a friends you are with somebody,
• 38:45
  Speaker 4: I think everybody needs a break at the point, right,
• 38:48
  Speaker 4: and doing separate activities is a great way to do that.
• 38:50
  Speaker 2: Yeah, someone said, and we did this a couple of times. Actually,
• 38:53
  Speaker 2: someone said we would split up for the day and
• 38:56
  Speaker 2: then come back for dinner together to share what we've
• 38:58
  Speaker 2: gotten up to. I love that. Isn't that cute? I
• 39:01
  Speaker 2: think that's really wholesome. Someone said, I paid for some
• 39:03
  Speaker 2: of the things I wasn't willing to compromise on. So
• 39:06
  Speaker 2: that's kind of good if you want to upgrade it
• 39:08
  Speaker 2: and be like beck, I don't want to go out
• 39:10
  Speaker 2: for dinner by myself. I'll pay for you. I still
• 39:13
  Speaker 2: get my experience. You come along. You're not stressed. I'm
• 39:16
  Speaker 2: not stressed. Everybody's happy. You call that the Victoria define special.
• 39:23
  Speaker 4: It's very loving and very generous.
• 39:25
  Speaker 2: I feel it attached, but also it's kind of like, ah, Jess,
• 39:28
  Speaker 2: I really want to do this, and you're like God,
• 39:30
  Speaker 2: I'm like I'll pay, and you're like, I mean.
• 39:33
  Speaker 4: I'm s sold.
• 39:35
  Speaker 2: All of a sudden, I'm very excited for this, Taylor Swift.
• 39:40
  Speaker 2: Someone said you don't need to do everything on holidays together.
• 39:44
  Speaker 2: This is a massive misconception. Make a list of events, compare,
• 39:47
  Speaker 2: and then organize. I think that's really good. And then
• 39:49
  Speaker 2: the last one I'm going to read out today says
• 39:51
  Speaker 2: my priority is open honest communication. Lay the cards on
• 39:55
  Speaker 2: the table and see what all your friends think. I
• 39:58
  Speaker 2: think that's a good place to leave it today, my friend.
• 40:00
  Speaker 2: And open honest communication is always the key.
• 40:03
  Speaker 4: Let's do travel themed broke tips one week.
• 40:06
  Speaker 2: Yeah, good idea, people travel, great idea. Actually, let's see
• 40:09
  Speaker 2: that next week. Yeah all right, we will see you
• 40:13
  Speaker 2: next week, guys for a money diary, bright and early
• 40:16
  Speaker 2: on Monday till then it's my birthday and.
• 40:22
  Speaker 4: A week my.
• 40:30
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• 40:32
  Speaker 2: in nature and does not consider your individual circumstances. She's
• 40:36
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• 40:40
  Speaker 2: not be relied upon to make an investment or financial decision.
• 40:43
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• 40:46
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