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Re-Gifting... Rude or Right? · 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.
0:33
Speaker 2: Let's get into it.
0:34
Speaker 3: She's on the Money, She's on the Money.
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Speaker 4: Hello, and welcome to She's on the Money, the podcast
1:01
Speaker 4: Millennials who want financial Freedom. Today, my friends, it is Friday,
1:05
Speaker 4: which means it would be time to get the team together,
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Speaker 4: but Jessica is still in Japan living her best life.
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Speaker 4: But it's time for Beck and I to celebrate you,
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Speaker 4: our incredible She's on the Money community. Today we're going
1:15
Speaker 4: to be sharing our favorite money wins. We're going to
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Speaker 4: be helping to answer a juicy money dilemma, which this
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Speaker 4: week is all about protecting yourself and your investment when
1:22
Speaker 4: you purchase a property with your partner, but your deposit
1:25
Speaker 4: amounts aren't equal. It's very specific, and we're going to
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Speaker 4: be unpacking something that you slid into our DMS about.
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Speaker 4: And this week we're talking what do you do when
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Speaker 4: you've been gifted a gift foucher but you can't afford
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Speaker 4: to use it? Ah, I feel like this one had
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Speaker 4: some really good responses from the community and I'm looking
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Speaker 4: forward to it. But before we get there, beck Hi,
1:48
Speaker 4: it's just you and me bad I know, this is
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Speaker 4: so interesting. We're just hanging out, having a cup of tea,
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Speaker 4: doing a little potty record.
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Speaker 2: How's your week being?
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Speaker 5: My week has been very, very nice, very chill, picking
2:00
Speaker 5: up a little bit, which is good because I make
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Speaker 5: it work hard, and you're going to make me work hard. Yeah,
2:05
Speaker 5: I'll have im paster syndrome every single day of the week.
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Speaker 2: No, not you, not me, not me.
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Speaker 6: Nobody's really good.
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Speaker 2: And you know, just the sun's been out and it's
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Speaker 2: just been hasn't it been? Literally the best?
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Speaker 6: Like the best?
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Speaker 4: This is obviously dropping on Friday. Today's weather stunning stunning.
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Speaker 4: The weekend stunning. That's a long weekend. This weekend stunning.
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Speaker 4: I mean you're going to enjoy the long weekend. But
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Speaker 4: I am actually as we speak back, I mean Brisbane.
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Speaker 4: I'm not actually because we recorded this the day before
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Speaker 4: I left.
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Speaker 2: But I'm in Brisbane. Oh crazy, what are you doing that?
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Speaker 2: Oh my gosh, it's so exciting.
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Speaker 4: We're running out very first health and Wealth event with
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Speaker 4: our friends at LSKD where we're doing like a full
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Speaker 4: like health session, like a workout, kind of like have
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Speaker 4: some smoothies, have some health food, and then we're doing
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Speaker 4: like a wealth event where I then tell you how
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Speaker 4: to take.
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Speaker 2: Care of your money. That's signing it goes so well together.
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Speaker 4: So we're only doing one of them, and it's in
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Speaker 4: Brisbane at the moment, but if all goes well today,
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Speaker 4: my friends will be rolling out a few more of
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Speaker 4: them because I think they'll be popular.
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Speaker 6: Yes, do you want to Melbourne?
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Speaker 2: I will. If it goes well. It doesn't go so.
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Speaker 4: Well, I'll be like, oh yeah, haha, we don't have
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Speaker 4: the capacity.
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Speaker 6: True, maybe we'll never speak of it ever again.
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Speaker 2: I'll be like, I don't know what you're talking about.
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Speaker 4: But also, like the health and Wealth event, ye, like
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Speaker 4: those two words go really well together.
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Speaker 5: That's true, So it almost has to be done just
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Speaker 5: so you can think up clean exactly.
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Speaker 4: Been good, Yeah, it's been very good. I'm less nauseous.
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Speaker 4: That's good, which is stunning.
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Speaker 2: Get this, I can eat food and it doesn't come
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Speaker 2: back up.
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Speaker 4: Oh that this week only, this week only. I don't
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Speaker 4: know how long it's gonna last. We're not gonna like
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Speaker 4: jinx it knock on wood, all of those things.
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Speaker 2: But that's the best.
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Speaker 6: That's so exciting me.
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Speaker 4: I'm very excited to do so, Like I'm excited to
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Speaker 4: now go on a plane. I was terrified to go
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Speaker 4: on a plane because that could have been a very
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Speaker 4: awkward trip for not just me, everybody else involve.
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Speaker 5: There's nothing more than when not you, but someone in
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Speaker 5: your either your bus or your train or your plane
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Speaker 5: is not nauseated, and unfortunately have to see that.
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Speaker 2: It keeps me anxiety as well.
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Speaker 4: I mean, like if you've ever been pregnant, you know
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Speaker 4: it's not just nausea. It's like consistent gagging. So I
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Speaker 4: just sound like I'm going to be sick every two
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Speaker 4: seconds exactly, you know exactly what it's like, Like I
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Speaker 4: cannot wait. I know what's happening. Because Brooke is she's
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Speaker 4: the best video producer in the entire world hired by
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Speaker 4: She's on the money because you're also a video producer.
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Speaker 4: And I wouldn't want you to feel like I don't respond,
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Speaker 4: but I do.
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Speaker 2: That's very nice.
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Speaker 4: She's real mean sometimes, and I know she's been collecting
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Speaker 4: over the last few months all of those like little
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Speaker 4: videos and snippets of me, like mid record that we've
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Speaker 4: cut out, like that we cut out.
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Speaker 2: I know she's like piled them away.
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Speaker 6: We're not safe.
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Speaker 2: No, we're not safe.
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Speaker 6: I think especially you, You're especially not safe.
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Speaker 2: No.
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Speaker 4: And like I'm the easiest to pick on as well,
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Speaker 4: Like I feel like I just do oh whole heap
5:00
Speaker 4: of weird stuff. But anyway, I want to get onto
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Speaker 4: the show. Yes, we have so much to get through today.
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Speaker 4: But first things first, Jess usually shares here her money
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Speaker 4: wins and confessions from the group. But guess what, I'm
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Speaker 4: in control again this week because Jess is not here,
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Speaker 4: so we are going roguan. I got to pick them
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Speaker 4: this week. Wow, I'm really excited about it. Are you ready?
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Speaker 6: I'm ready.
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Speaker 2: So, first, we have a money win from Kim.
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Speaker 4: She said, I hit my twenty thousand savings goal for
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Speaker 4: this year.
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Speaker 2: Siah are you joking? She did say money loss.
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Speaker 4: My puppy ended up in emergency care on the weekend.
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Speaker 4: But money wing guys don't forget. I've got twenty grand
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Speaker 4: in savings, so I don't have to worry about that bill.
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Speaker 6: Oh my god, that's great.
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Speaker 4: I also really love her mindset around that, like it's
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Speaker 4: not like, oh my gosh, money lost the dog, like
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Speaker 4: my savings are going to go backwards. She's like, look
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Speaker 4: at this thing that I can lean on that is
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Speaker 4: there for this exact purpose.
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Speaker 6: This is here for a reason.
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Speaker 2: Isn't that cool?
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Speaker 6: That's great?
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Speaker 2: Adore.
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Speaker 4: Also, she gets a special mention because, without being prompted
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Speaker 4: by me, she also uploaded this and it says also
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Speaker 4: VD will probably want to see a picture, and it
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Speaker 4: is a photo of her dog.
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Speaker 6: She knows you too well, you know me.
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Speaker 2: I love it all right.
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Speaker 4: Money in from Mahalia, she says, start a maternity leave today.
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Speaker 2: Congrats. She says, it's a little bit earlier than planned.
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Speaker 4: But I've been putting extra towards bills and stocking up
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Speaker 4: on items for months now, which means we're at least
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Speaker 4: six months.
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Speaker 2: Ahead on a majority of our bills and rates.
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Speaker 4: And I'm stocked up on all of the household items
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Speaker 4: like washing powder, softener, dishwasher tablets, liquid, and pet food,
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Speaker 4: which is gonna be coming in handy on a reduced
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Speaker 4: income soon. I'm stressed about the reduced income part, but
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Speaker 4: I'm trying to focus on the positives, on how we've
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Speaker 4: prepared so much to get to this point.
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Speaker 6: Yeah, that's a really, really good idea.
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Speaker 4: I didn't even think about. I mean, I'm pregnant. I'm
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Speaker 4: the worst pregnant person ever. Like, I have made no
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Speaker 4: real big purchases yet, and to the big purchases.
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Speaker 2: I have made a little truly not even that exciting.
7:02
Speaker 4: But like stocking up on washing powder, dishwashing liquid, and
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Speaker 4: like dishwasher tablets, that's going to cut down your grocery
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Speaker 4: budgets so much when you go to one income. Yes,
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Speaker 4: and if you're shopping over a few months, you can
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Speaker 4: get them all on sale. Yes, that's so smart, really
7:17
Speaker 4: good idea. All right, Jennifer, she's got a money loss
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Speaker 4: this week. She had to purchase a new fridge, but
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Speaker 4: she also gave us some money win. She's like, I'm
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Speaker 4: going to counteract the bad with the good. She said,
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Speaker 4: I was going to purchase the fridge the good guys,
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Speaker 4: but they were lazy and wouldn't get back to us
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Speaker 4: with whether they had it in stock or not. So
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Speaker 4: popped on over to JB High Fight, got free delivery,
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Speaker 4: took the old fridge away for free, and through my
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Speaker 4: husband's job, he got five percent off purchases through JB
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Speaker 4: High Fight, So we ended up saving more than two
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Speaker 4: hundred and fifty dollars.
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Speaker 6: WHOA, that's very good. That's a big money win.
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Speaker 4: She's also, you know, added a life win in here,
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Speaker 4: which I think all of us are going to be
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Speaker 4: a little bit envious of.
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Speaker 2: Are you ready?
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Speaker 6: I'm ready?
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Speaker 2: Life win. She's like, I didn't even have to clean
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Speaker 2: the old fridge before we threw it away.
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Speaker 6: Oh yes, how annoying is it.
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Speaker 4: To thrusting your fridge wiping it out like it's gross?
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Speaker 4: No thanks, no, no thanks? All right, I've got two
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Speaker 4: more for you, beck, Are you ready? This one is
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Speaker 4: from Renee? She said, I changed my home insurance, saved
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Speaker 4: four hundred dollars. Then girl masked myself into buying your
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Speaker 4: diceon air up because they're on sale everywhere you got to, you.
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Speaker 2: Gotta get it.
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Speaker 4: I appreciate that, Renee and then we have one last
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Speaker 4: one from our friend Mary, and she said, for the
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Speaker 4: first time in months, I haven't had to dip into
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Speaker 4: my savings.
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Speaker 2: Isn't that really good? Good on you get it, Mary.
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Speaker 6: Yeah, that's great, Mary.
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Speaker 4: I feel like that's so good. That's like a positive
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Speaker 4: money habit that.
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Speaker 2: I feel like so many of us struggle with, especially
8:48
Speaker 2: at the moments.
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Speaker 4: We're in the middle of a cost of living crisis,
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Speaker 4: and I swear everything is fifty times.
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Speaker 2: Not exaggerating more expensive than it used to be.
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Speaker 6: Yah, so true.
8:56
Speaker 2: It just feels that way. Abor Grapes of the Day
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Speaker 2: twelve dollars for like a little little bunch.
9:01
Speaker 1: No.
9:02
Speaker 4: I feel like I saw him main the other day
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Speaker 4: and it said one hundred dollars is equivalent to one
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Speaker 4: dollar in adult and I was.
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Speaker 2: Like, that's how it feels.
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Speaker 6: Yeah, that's true, actually what it feels.
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Speaker 2: And I was like, that's gross.
9:13
Speaker 5: Yeah, I'm actually curious to know how much you get
9:15
Speaker 5: for a dollar back in like twenty years ago.
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Speaker 2: I don't know I could calculate it for it.
9:18
Speaker 4: I mean, I could absolutely calculate it for you, but
9:21
Speaker 4: we're not going to because it is time to do
9:23
Speaker 4: Bex broke tips.
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Speaker 5: What have you got for us this week? Okay, so
9:27
Speaker 5: this week I have one broke tip. Sorry, I have
9:29
Speaker 5: my two broake tips, and then I've got one from myself.
9:32
Speaker 5: A right, but like the the first one is what
9:35
Speaker 5: I'm trying to say, thank you, Victoria. So my first
9:38
Speaker 5: one comes from Jane, who says, I buy movie vouchers
9:40
Speaker 5: through shot back money I've earned, so when you're having
9:44
Speaker 5: a poor week, you can still go to the movies,
9:46
Speaker 5: which I think is a really cool idea.
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Speaker 6: It's maybe something that.
9:48
Speaker 5: Like, sure, if you're like a little bit broke, it's
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Speaker 5: not like your top priority, but it is also nice
9:52
Speaker 5: to do things that make you feel good. If you
9:53
Speaker 5: don't necessarily have a lot of money coming in, or
9:55
Speaker 5: you can't do those little things, it can be really
9:57
Speaker 5: hard for your mental health to be like I actually
9:59
Speaker 5: done money and I can't do anything.
10:01
Speaker 4: I feel like that's a really good one too, because
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Speaker 4: shopback's basically free money, Like if you're using shopback on
10:06
Speaker 4: your purchases, it's cash back that you wouldn't have otherwise gotten,
10:09
Speaker 4: and a lot of our community like using it as
10:11
Speaker 4: kind of like a cheeky little savings account, kind of
10:14
Speaker 4: like to the side for splurges because obviously, like if
10:17
Speaker 4: you can't afford heaps, you're not going to pay for
10:19
Speaker 4: movie tickets as well. Yes, but like they feel free
10:21
Speaker 4: through shopbacks, so I feel like that's good. And also
10:24
Speaker 4: like if you pre purchase them you kind of have
10:26
Speaker 4: something to look forward to as well.
10:29
Speaker 2: I like it.
10:29
Speaker 5: I like it so and maybe instead of going out
10:33
Speaker 5: and be like, oh my gosh, I've got to take
10:34
Speaker 5: my partner or my friend out for dinner or something,
10:37
Speaker 5: you go to the movies instead. It spend zero dollars
10:39
Speaker 5: instead of spending your last fifty dollars or whatever it is.
10:42
Speaker 4: So I don't know if you've ever done this, spepack.
10:44
Speaker 4: When I was in Uni, I used to put my
10:46
Speaker 4: dinner in a tupperware container with my housemate and then
10:48
Speaker 4: we'd go to the movies. And I'd obviously take my
10:50
Speaker 4: full handbag and put my dinner in the bottom of it,
10:52
Speaker 4: but we'd have like dinner in a.
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Speaker 2: Movie, and I was like genius.
10:56
Speaker 4: We also went on cheap Tuesdays, so we got like
10:59
Speaker 4: the two for one because obviously we're not paying full
11:01
Speaker 4: price to movie tickets in this house, absolutely not, so
11:04
Speaker 4: we'd like package up our little dinner and have like
11:06
Speaker 4: I don't know, a like movie theater picnic. They probably
11:09
Speaker 4: won't like that, like don't come at me village cinemas.
11:11
Speaker 4: I'm really sorry, true, I forgot, You're not meant to
11:14
Speaker 4: do that. But like kind of for gold class and
11:17
Speaker 4: table service. So I di wied totally totally under the table.
11:22
Speaker 4: Don't tell anyone we said that. Good idea, all right?
11:24
Speaker 2: Next what else you got for us?
11:25
Speaker 5: Next one from Mindy who says, learn to tint your
11:29
Speaker 5: own brows. It is so easy draw outline with pencil.
11:32
Speaker 6: This this is.
11:33
Speaker 5: Kind of like more so for any kind of oh
11:35
Speaker 5: would say maintenance. It's still also something you wouldn't prioritize
11:38
Speaker 5: if you are really really broke.
11:40
Speaker 4: Absolutely, but this is going to save some money. This
11:43
Speaker 4: is going to save some good money. It's going to
11:44
Speaker 4: save some good money. And it's not only for eyebrows.
11:46
Speaker 4: It's for you know, learn how to do your own head.
11:49
Speaker 2: And I was about to be like, what other hair
11:51
Speaker 2: are you tinting?
11:53
Speaker 6: You know you can.
11:54
Speaker 5: Tint your arm hairs if you want to, anywhere you want,
11:57
Speaker 5: learn how to tint, learn how to cut, learn how
11:59
Speaker 5: to and I know, like you know, I don't know
12:00
Speaker 5: if you know this or not, but I've never been
12:01
Speaker 5: to a headresser, so.
12:02
Speaker 2: This one I'm quite aware. I'm quite aware. Not because
12:06
Speaker 2: I can tell that is a stunning mullet, thank you.
12:09
Speaker 2: In fact, do you look like a stun mullet.
12:14
Speaker 4: You have bragged on the show a few times about
12:17
Speaker 4: diying hair, and you.
12:18
Speaker 6: Know what, don't you still have some?
12:20
Speaker 5: Exactly? Don't be scared. Don't be scared to learn how
12:23
Speaker 5: to do your nails. I don't do my nails, but
12:25
Speaker 5: if you did do your nails. Learn how to ten
12:28
Speaker 5: your eyebrows yourself, learn how to do a little wax yourself.
12:31
Speaker 5: I do all the kind of like beauty maintenance, all
12:33
Speaker 5: these kind of things.
12:34
Speaker 2: All right, beck, I want to know what is your
12:36
Speaker 2: broke tip of the week?
12:37
Speaker 5: Okay, So mine, probably as usual, is a little bit
12:40
Speaker 5: rogue and maybe not all that relatable, but.
12:43
Speaker 2: Not relatable content.
12:44
Speaker 1: I love it.
12:45
Speaker 4: Let's put it on a podcast and send it live
12:47
Speaker 4: to the one point six million people.
12:49
Speaker 5: A really good idea. Yes, that's a really good idea.
12:52
Speaker 5: That's what I was hoping to do today.
12:53
Speaker 2: Ye actually great.
12:54
Speaker 5: I was talking to our fill in producer Indiana yesterday
12:57
Speaker 5: and I was talking about how we're both talking about
12:59
Speaker 5: how we go to the gym and we use the showers,
13:02
Speaker 5: we use, the hair dryers, we use the they have
13:04
Speaker 5: like little like moisturizers, Yeah, tampons, pads, all this stuff
13:08
Speaker 5: at your gym.
13:09
Speaker 6: I paid.
13:09
Speaker 2: You're already paying for your gym membership. Yeah, you paid
13:12
Speaker 2: it all the week.
13:13
Speaker 5: And also it's a really good way, like if this
13:15
Speaker 5: is more so for saving on utilities like energy, water. Literally,
13:19
Speaker 5: if you do it for long enough and if you
13:20
Speaker 5: do it enough times, it will have an impact.
13:22
Speaker 6: It will have an impact.
13:23
Speaker 4: I mean, if you don't shower at home, you're going
13:25
Speaker 4: to say a lot of money exactly.
13:27
Speaker 5: And it's a really good way to get you out
13:28
Speaker 5: of the house and maybe go to the gym. If
13:30
Speaker 5: you didn't want to go to the gym, you're like,
13:31
Speaker 5: I want to save money on essentials that could be
13:33
Speaker 5: moisturizer pads, tampon's hair dryer everything.
13:37
Speaker 6: They have everything there.
13:38
Speaker 4: Okay, So I can and will save money on doing
13:41
Speaker 4: my eyebrows, and I can and will save money doing
13:43
Speaker 4: you know, my own pedicures and manicures.
13:45
Speaker 2: You are not going to get me in the gym
13:49
Speaker 2: have fun.
13:49
Speaker 5: What if you couldn't afford a hair dryer, and you're like,
13:51
Speaker 5: but I do have gym membership. Maybe I'll just go
13:53
Speaker 5: and use the gym's hair dryer while you're there. Maybe
13:56
Speaker 5: I'll do I've canceled the gym membership and buy the
13:58
Speaker 5: hair dry That's actually very good idea. That's a good
14:02
Speaker 5: way to do like two things in one, you know
14:03
Speaker 5: what I mean if you go the gym anyway.
14:05
Speaker 2: If you want to hate yourself and go to the gym,
14:07
Speaker 2: you do that.
14:08
Speaker 5: Exactly, and take advantage of their utilities water, energy, electricity.
14:13
Speaker 2: GENI, anything else for those who are interested.
14:16
Speaker 5: Exactly if you're interested, also if you're there is also
14:19
Speaker 5: a little bit more more rogue than that. If you're
14:21
Speaker 5: in a Campa van and you're driving around Australia, very
14:24
Speaker 5: relatable content and you don't want to get an Airbnb
14:28
Speaker 5: or a hotel because you have a van. You do
14:31
Speaker 5: have a camp of van. But if you wanted like
14:32
Speaker 5: a knight of luxury, you want to have a good
14:34
Speaker 5: shower or something like that. This is also where would
14:36
Speaker 5: come in handy. You have a nice hot shower in
14:37
Speaker 5: a gym anyway, that's my But do.
14:39
Speaker 4: You have to pay for the gym, or if you
14:40
Speaker 4: got like one of these memberships where it's any club
14:42
Speaker 4: in Australia.
14:43
Speaker 6: Yeah, I use anytime finish. I think I should say
14:45
Speaker 6: that just in case.
14:46
Speaker 4: Yeah, no, give them a little plug, because you're abusing
14:48
Speaker 4: them enough that they probably deserve the free advertising.
14:50
Speaker 6: I should be paying their utilities at this point, I.
14:52
Speaker 2: Couldn't agree more.
14:53
Speaker 4: All right, Well, let's go to a really quick break
14:56
Speaker 4: because on the flip side, we're going to be talking
14:57
Speaker 4: about a money dilemma of how to protect your yourself
15:00
Speaker 4: and your investment when you're going to purchase a property
15:02
Speaker 4: with a partner but you don't have equal deposit amounts.
15:05
Speaker 4: And we're also going to be unpacking something that you
15:07
Speaker 4: slid into our DMS about this week.
15:09
Speaker 2: We're talking about what do you do when you've been gifted.
15:11
Speaker 4: A gift voucher that you can't afford to you so
15:14
Speaker 4: don't go anywhere, guys. All right, beck, we are back.
15:22
Speaker 4: Let's have a listen to this week's money dilemma. Hi, there,
15:27
Speaker 4: have you got a money dilemma you just can't solve that.
15:29
Speaker 4: She's on the Money team is.
15:31
Speaker 2: Here to help.
15:32
Speaker 4: Every week we tackle your dilemmas both big and small
15:35
Speaker 4: to answer your most burning money, career and life questions.
15:38
Speaker 4: To get involved, simply head to our website and leave
15:41
Speaker 4: us a short voice recording and you might just find
15:43
Speaker 4: yourself on the show. Now, let's take a listen to
15:46
Speaker 4: this week's money dilemma.
15:50
Speaker 7: Hello, she's on the money question. What can you legally
15:56
Speaker 7: do to protect yourself when purchasing a property with your partner,
16:00
Speaker 7: significant other, husband, et cetera. If you have deposit amounts
16:05
Speaker 7: that aren't equally matched. For example, if I put in
16:09
Speaker 7: eighty percent of the deposit and they put in twenty percent.
16:11
Speaker 7: What can be done so you can protect your assets
16:14
Speaker 7: if that relationship doesn't work in the future.
16:17
Speaker 2: Thanks, this is a good one, Beck, What would you do? I?
16:22
Speaker 2: She said legal?
16:24
Speaker 6: Legally?
16:24
Speaker 2: What can you legally do? Not? What would Beck actually do?
16:27
Speaker 1: Yeah?
16:27
Speaker 2: Could you legally?
16:29
Speaker 4: I was going to give only illegal Yeah, that's why
16:31
Speaker 4: I was disclaiming it.
16:33
Speaker 5: Yeah, that's probably a good idea. Well, in that case,
16:35
Speaker 5: I have nothing, But you're like to start a fight.
16:38
Speaker 5: Start a fight, broke up and you know to deal
16:41
Speaker 5: with it.
16:41
Speaker 4: No, I'm just kidding, because if you're trying to separate it,
16:45
Speaker 4: you probably have broken up back right, So we're forward planning.
16:48
Speaker 2: What's your exit plan? What's your exit strategy?
16:51
Speaker 5: Gosh, you know, v I do you want me to
16:54
Speaker 5: just take because you know I'll never probably I'll probably
16:57
Speaker 5: never find myself in this position, So I'm I'm happy for.
16:59
Speaker 2: You you will.
17:00
Speaker 4: So first things first, we need to do a few things. One,
17:03
Speaker 4: we need to have open, honest conversations about where we're
17:06
Speaker 4: going and what we want to do. So, if let's
17:08
Speaker 4: pretend it's around one hundred thousand dollars and you've contributed
17:11
Speaker 4: seventy thousand and your partner has contributed thirty thousand, that
17:15
Speaker 4: is a significant difference in deposit amount, Like we're not
17:18
Speaker 4: talking about two or three thousand dollars where it's kind
17:20
Speaker 4: of like here or there in the grand scheme of things,
17:23
Speaker 4: it all comes out in the wash, Like that's significant.
17:26
Speaker 4: Are you going to be splitting the mortgage in the
17:29
Speaker 4: same percentages or are you just going to be fifty
17:31
Speaker 4: to fifty after that? If so, if you're selling the house,
17:34
Speaker 4: will you be getting that seventy thousand dollars back before profit?
17:39
Speaker 4: What does that look like? Are you going to purchase
17:41
Speaker 4: the house? And then if you know your exit plan,
17:44
Speaker 4: is no worries we'll leave when we get our deposit back,
17:48
Speaker 4: we'll split it equally. Why would you do that if
17:51
Speaker 4: you contributed literally seventy percent and they contributed thirty. So
17:55
Speaker 4: I think it's important to have that open, honest conversation first. Yes,
17:58
Speaker 4: you could take it a step further, get what's called
18:00
Speaker 4: a binding financial agreement, which I think is really important,
18:04
Speaker 4: especially if you're like, oh, I don't really know, it's
18:07
Speaker 4: never going to be fifty to fifty, Like it just
18:10
Speaker 4: makes you a little bit more financially secure, and I
18:13
Speaker 4: think that's really important. The other thing is understanding property
18:17
Speaker 4: ownership and that there's not just one way to own
18:19
Speaker 4: a property. So the first thing that popped into my
18:21
Speaker 4: head was are you going to be tenants in common
18:25
Speaker 4: or are you going to be joint tenants? So if
18:28
Speaker 4: you're a joint tenant, that means that each owner has
18:31
Speaker 4: an undivided equal share in the whole amount of the land,
18:34
Speaker 4: and the premise of one means that their share passes
18:37
Speaker 4: to the other joint owner if they passed away, Like Beck,
18:40
Speaker 4: you or and I are in a relationship, we buy
18:41
Speaker 4: a house together, I die yesterday. It means automatically becomes
18:46
Speaker 4: entirely your house. Is that how it's going to work.
18:49
Speaker 4: Is that what you're comfortable with? If so, that's fine.
18:52
Speaker 4: But the flip side is tenants in common, and that's
18:55
Speaker 4: where each party has a very well defined share.
18:58
Speaker 2: In that property and in the land.
19:00
Speaker 4: And it could be you know, fifty to fifty, it
19:02
Speaker 4: could be that seventy thirty that we were talking about,
19:05
Speaker 4: or any other percentage. So it really depends are you
19:09
Speaker 4: going to be going equal on the mortgage repayments?
19:12
Speaker 2: And like who owns the house?
19:13
Speaker 4: Like you know, you might have contributed seventy percent of
19:16
Speaker 4: the deposit, but do you own seventy percent of the house?
19:19
Speaker 7: Right?
19:19
Speaker 4: What does that conversation look like? How does that work?
19:21
Speaker 4: Where are we going with it? So I think it's
19:23
Speaker 4: really important to have these open, honest conversations of like, okay,
19:27
Speaker 4: like hypothetically if we break up, and it sounds bad
19:30
Speaker 4: because no one wants to talk about breaking up, right,
19:32
Speaker 4: But I think the best time to have these conversations
19:36
Speaker 4: is when everything sunshine and roses, like, yes, we're so
19:39
Speaker 4: in love together. Yes, I want the best for you
19:41
Speaker 4: and you want the best for me. Why aren't we
19:43
Speaker 4: making those decisions and putting them on paper. Now where
19:45
Speaker 4: I go, No, if we broke up, I mean, if
19:47
Speaker 4: you cheat on me, Beck.
19:48
Speaker 2: We've got to have a fight.
19:50
Speaker 4: But if everything worked out in our relationship hasn't, this
19:54
Speaker 4: is what I would want for you. And you go, yeah, okay,
19:56
Speaker 4: that seems fair. Let's do it when we're level headed
19:59
Speaker 4: and still in love and want the best for each other.
20:01
Speaker 4: Because to me, that's the kindest outcome. And also, those
20:05
Speaker 4: conversations suck when you haven't had them and now you're
20:08
Speaker 4: trying to have them with a partner you don't even
20:10
Speaker 4: want to answer.
20:11
Speaker 2: Text messages from. So I think it's important to.
20:14
Speaker 4: I guess, be open and honest, Like if you're at
20:17
Speaker 4: a point where you're buying a property with a partner,
20:21
Speaker 4: protect yourself. And I mean you said protect yourself and
20:24
Speaker 4: your investment. It's an investment. We don't put money in
20:27
Speaker 4: hopefully get less back. So put it in, put a
20:30
Speaker 4: plan in place, and you know, sign off on it
20:32
Speaker 4: even if it doesn't. And I don't want to say
20:34
Speaker 4: even if it isn't legally binding, because all of the
20:37
Speaker 4: estate planning lawyers in my DMS will blow up at me.
20:40
Speaker 2: But sometimes we just don't have the money to pay
20:42
Speaker 2: for an estate planning lawyer.
20:43
Speaker 4: So at least, at the very least, have that open,
20:46
Speaker 4: honest conversation and go, well, Beck, this is what I
20:50
Speaker 4: would do.
20:50
Speaker 2: Yes, does that make sense?
20:52
Speaker 6: That's totally makes sense.
20:53
Speaker 2: Let's just be kind to each other.
20:55
Speaker 5: Yeah, and also, congrats on getting to a point where
20:57
Speaker 5: you have a deposit.
20:59
Speaker 2: That's big dog, isn't it.
21:00
Speaker 6: That's really really cool.
21:01
Speaker 2: That is very cool. All right, moving on, Okay, I'm
21:05
Speaker 2: so excited for this, are you? Actually?
21:06
Speaker 6: I'm really excited.
21:07
Speaker 4: We have a DM and I'm very excited about it
21:10
Speaker 4: because every single week someone slides into our DMS about
21:13
Speaker 4: what to do with a bit of a dilemma. Sometimes
21:16
Speaker 4: it's spicy, sometimes not. This week we received a dilemma
21:20
Speaker 4: and it sounded a lot like this.
21:23
Speaker 2: Hi, she's on the money. I have a money dilemma.
21:25
Speaker 4: My friend kindly gifted me a one hundred dollars gift
21:28
Speaker 4: voucher to a very very fancy and SPANOSPA for my
21:31
Speaker 4: thirtieth birthday.
21:33
Speaker 2: That's nice.
21:35
Speaker 4: However, every treatment is way out of my budget, so
21:39
Speaker 4: I just thought, you know what, I'll have my eyebrows
21:41
Speaker 4: done well.
21:43
Speaker 2: The voucher comes.
21:43
Speaker 4: With terms and conditions that say the minimum treatment is
21:47
Speaker 4: ninety minutes and it needs to be used within six months.
21:51
Speaker 4: The cheapest option would actually leave me out of pocket
21:54
Speaker 4: by more than one hundred and sixty dollars once I've
21:56
Speaker 4: used the voucher.
21:57
Speaker 2: I simply can't afford this right now.
21:59
Speaker 6: What I do?
22:00
Speaker 4: Give the voucher back to her, try to sell it
22:03
Speaker 4: on Facebook marketplace, or do I just let this blow
22:05
Speaker 4: over and just waste it. I'd hate to waste her money,
22:08
Speaker 4: but it's honestly not a priority right now to contribute
22:11
Speaker 4: so much money to a massage. HM.
22:15
Speaker 6: I totally know this feeling.
22:17
Speaker 5: It's like, you know, when you get any package ever
22:19
Speaker 5: and there's like a one hundred dollars naked wines Thatchy there, and.
22:23
Speaker 6: You're like, oh my god.
22:24
Speaker 5: If I use this and you go online, you're like, oh,
22:25
Speaker 5: I have to spend at least seven thousand.
22:27
Speaker 6: Dollars, you know, And so it's the worst.
22:30
Speaker 4: And so I was like, okay, this is actually imagine
22:32
Speaker 4: if that was your thirtieth birthday as well.
22:35
Speaker 5: Yeah, and you don't want to like, yes, you want
22:36
Speaker 5: to use it, but one hundred and sixty bucks there's
22:38
Speaker 5: a lot of money. Maybe, Like I would say, sit
22:40
Speaker 5: on it until maybe a month or two out of
22:42
Speaker 5: the actual expiration thing, and if you still can't afford it,
22:46
Speaker 5: then I would just have a nice, honest, open conversation
22:49
Speaker 5: with the friend and be like, this is the situation.
22:51
Speaker 5: I want it to be used, and I want maybe you.
22:54
Speaker 2: To use it. Yeah, that's kind.
22:56
Speaker 5: I think it's kind. Or maybe your friend will be like, oh,
22:59
Speaker 5: I'm so sorry. I'm going to give you one hundred
23:00
Speaker 5: and sixty dollars and you can go get a nice treatment. Upe.
23:04
Speaker 2: I mean that's how i'd solve it, because I'd feel
23:06
Speaker 2: bloody awful.
23:07
Speaker 4: Yeah, I feel like I don't know, I've got a
23:10
Speaker 4: bone to pick with the spa.
23:12
Speaker 2: Why are you selling one hundred dollars.
23:13
Speaker 4: Vouchers if you don't even have a service. That's one
23:15
Speaker 4: hundred dollars true?
23:17
Speaker 6: What the hell I did you even think of that?
23:19
Speaker 2: Like? Why are you putting terms and conditions on it?
23:21
Speaker 4: Like I can almost guarantee that Beck if I went, oh,
23:24
Speaker 4: I'm gonna buy Beck one hundred dollars voucher to a SPA.
23:27
Speaker 4: In my head, you'd just be able to use that
23:30
Speaker 4: on like whatever you want, Like I would be mortified
23:34
Speaker 4: to find out that they then put a ninety minute
23:37
Speaker 4: cap on it and then you had to spend more,
23:38
Speaker 4: Like that wasn't the purpose of me giving you a voucher,
23:42
Speaker 4: Like I wanted you to go to have a really
23:43
Speaker 4: relaxing time on me, not have a financially expensive time
23:48
Speaker 4: or me. Yeah, do you know what I mean? Like,
23:49
Speaker 4: I feel like that doesn't make a lot of sense.
23:52
Speaker 4: So if you're confident enough, I'd pick up the phone
23:55
Speaker 4: and just have a conversation with whoever answers, Like obviously
23:58
Speaker 4: you're calling the SPA disclaimer that, but call the spar
24:01
Speaker 4: and be like, hey, like why like what can I
24:04
Speaker 4: use the one hundred dollars for? Like it's not within
24:06
Speaker 4: my budget? You know, could I break it up? Could
24:09
Speaker 4: I actually use it for this eyebrow wax? I know
24:11
Speaker 4: your terms and conditions say ninety minutes, but that doesn't
24:13
Speaker 4: feel like it's in line with fair trading if we're honest,
24:17
Speaker 4: Like I don't want to be that Karen, But like
24:19
Speaker 4: I also go, that's not very fair because also if
24:22
Speaker 4: they do offer cheaper services, hey, like I feel like
24:26
Speaker 4: that's quite reasonable. You're not missing your money, like my
24:29
Speaker 4: friend paid you one hundred dollars, I in turn got
24:32
Speaker 4: this voucher. I would now like one hundred dollars worth
24:35
Speaker 4: of services. If an eyebrow, you know, wax is thirty dollars,
24:38
Speaker 4: let's say, can you just break it up and give
24:41
Speaker 4: me three of those or four foot the extra ten dollars?
24:43
Speaker 2: Yeah, like you know what I mean?
24:45
Speaker 4: Like, maybe try and negotiate it, Like I can completely
24:48
Speaker 4: understand that the terms and conditions might say that. I
24:50
Speaker 4: don't think that they stand up because that feels a
24:52
Speaker 4: bit dodged wack. But yeah, I would do that. But
24:56
Speaker 4: in saying that, let's pretend that's all kosher. Sure, honestly
25:00
Speaker 4: I wouldn't say anything to the friend at all. I
25:03
Speaker 4: don't feel like this is their problem. Yes, I also
25:07
Speaker 4: wouldn't want them feeling bad. But for me, if I
25:10
Speaker 4: gift you something back, I would never be offended if
25:13
Speaker 4: you regifted it, like if it doesn't serve that purpose.
25:16
Speaker 4: But the gift I gave you served the purpose when
25:18
Speaker 4: I gave it to you, and it was to make
25:20
Speaker 4: you feel thought of and you know you feel special
25:22
Speaker 4: and you you know, might use it.
25:24
Speaker 2: Or might not.
25:25
Speaker 4: But ultimately I'm giving you a gift because it's an
25:28
Speaker 4: act of kindness from my behalf going, Hey, I really
25:31
Speaker 4: want to show my gratitude and how much I love you,
25:33
Speaker 4: and here's this gift.
25:35
Speaker 2: Did you feel like you got that out of that
25:38
Speaker 2: gift when your friend gave it to you?
25:40
Speaker 6: Yeah, you probably. That's a good question. I think that though.
25:42
Speaker 2: Why do I need to keep the gift?
25:43
Speaker 6: Yeah?
25:44
Speaker 7: True?
25:44
Speaker 6: True?
25:44
Speaker 1: True?
25:45
Speaker 2: Why does it matter what I do with the gift?
25:46
Speaker 6: You wouldn't resell it, you would regift it.
25:48
Speaker 4: Oh no, no, no, like you could sell it, you
25:50
Speaker 4: could regift it. I don't mind what you do with it.
25:52
Speaker 4: But sure the purpose of the gift happened. Yeah, Okay,
25:56
Speaker 4: it wasn't. Oh she didn't even care. She doesn't have it. Well,
25:59
Speaker 4: I gave it to her. She felt appreciated. You know,
26:01
Speaker 4: if you really want to get in the nitty gritty
26:02
Speaker 4: when you post on Facebook, marketplace, hide it from your
26:05
Speaker 4: friends when you post it. True, that just feels like
26:07
Speaker 4: the smart thing to do. But I think it's one
26:09
Speaker 4: of those things where the gift did technically serve its purpose.
26:13
Speaker 4: And that's why I'm such a fan of I guess regifting,
26:16
Speaker 4: like because if someone gifts me something and it's a
26:18
Speaker 4: really thoughtful present. Pretend it's my favorite candle, Like I've
26:22
Speaker 4: got a favorite candle, loll but I know what it is,
26:24
Speaker 4: do you know, like the Marco and Co candles.
26:27
Speaker 2: It's like beachy one.
26:28
Speaker 4: I don't know what I'm running at our sight now anyway, Anyway,
26:31
Speaker 4: my favorite candle ever. But let's pretend somebody gifted me
26:33
Speaker 4: that I've already been gifted, like two of them. I've
26:35
Speaker 4: got them in my draw. Do I add it to
26:37
Speaker 4: that and just let it sit there? Or when your
26:40
Speaker 4: birthday comes up back, do I go, oh, my gosh,
26:42
Speaker 4: this is my favorite candle.
26:44
Speaker 2: That's gonna love it. I'm gonna give her one. Yeah,
26:46
Speaker 2: the gift for me.
26:47
Speaker 4: Served a purpose. I feel really heard from my friend.
26:50
Speaker 4: I feel like my friend really thought about me. But
26:53
Speaker 4: also that gift serving another purpose and that I don't
26:55
Speaker 4: have to buy.
26:55
Speaker 2: A present to give to someone else.
26:57
Speaker 4: Yes, so you could regift it, you could sell it,
27:00
Speaker 4: you could you know, call and negotiate, but I don't
27:02
Speaker 4: think your friend needs to be involved. Okay, your friend
27:05
Speaker 4: was just trying to do something really nice and to
27:08
Speaker 4: be honest, if you came to me back and said, hey,
27:10
Speaker 4: the voucher that you gave me can't do anything with
27:13
Speaker 4: I'm just going to feel bad unless you want to
27:15
Speaker 4: have that conversation and you're really close to them.
27:17
Speaker 2: But that's my take.
27:18
Speaker 6: Yeah, Okay, while we're on completely different ends of the spectrum.
27:20
Speaker 4: Here, I know, but like, also, I think I'm a
27:23
Speaker 4: bit more I don't know fluffy when it comes to
27:26
Speaker 4: gift giving because I think it's really about the act
27:28
Speaker 4: of gift giving, not necessarily the outcome. It's like the
27:31
Speaker 4: thought that counts, right, Yeah, so like why it's the
27:33
Speaker 4: thought not counting here?
27:34
Speaker 6: Yep, that's true.
27:35
Speaker 2: So very good point.
27:37
Speaker 4: We did ask the community what did they say? We said,
27:39
Speaker 4: what would you do if you were in this situation?
27:42
Speaker 4: Thirty seven percent of you said, we'd give the voucher
27:45
Speaker 4: back to our friend, forty eight percent of you said
27:47
Speaker 4: we'd sell it, and fourteen percent of you said, I'm
27:50
Speaker 4: just not.
27:51
Speaker 2: Going to use it. I'm going to let it go
27:52
Speaker 2: to waste. Don't do that, I see. Don't let something
27:55
Speaker 2: go to waste.
27:56
Speaker 6: Yes, try not to.
27:57
Speaker 4: But you know, the next question we are was if
28:00
Speaker 4: you found out your friend sold a present you gifted
28:03
Speaker 4: them or marketplace, how would you feel. Thirty percent of
28:06
Speaker 4: you said I'd feel upset and angry even if I
28:08
Speaker 4: knew the situation. I think you need to have a
28:11
Speaker 4: hard think about your values here and why you even
28:14
Speaker 4: gifted it to them in the first place.
28:16
Speaker 5: Oh true, Yeah, yeah, yeah, I think it's I don't know. Yeah,
28:18
Speaker 5: that's fair. I mean, I can see both sides, but.
28:21
Speaker 4: I can totally see both sides. But like, I also
28:23
Speaker 4: very much are like, it's the thought that counts.
28:26
Speaker 6: Yeah, yeah, definitely.
28:28
Speaker 4: Seventy percent of you said i'd understand given the situation.
28:32
Speaker 4: We said, do you think it seems ungrateful to give
28:35
Speaker 4: a present back? Thirty eight percent of you said yes,
28:39
Speaker 4: and I agree.
28:40
Speaker 2: I agree. I wouldn't give a present back. I didn't
28:42
Speaker 2: give it back.
28:43
Speaker 4: I would find another purpose for it, because I don't
28:45
Speaker 4: want you to think that the.
28:46
Speaker 2: Thought wasn't worth it.
28:48
Speaker 4: Sixty two percent of you said no, I don't think
28:51
Speaker 4: it's ungrateful. We then obviously opened our DMS and said,
28:55
Speaker 4: give us your.
28:56
Speaker 2: Two cents, and here are some of the responses back.
28:59
Speaker 4: So, someone said, isn't there rules on how long gift
29:02
Speaker 4: cards need to last? Now?
29:04
Speaker 2: Yes, true, Yes, they can't expire.
29:06
Speaker 6: It can expire.
29:08
Speaker 5: They can't.
29:08
Speaker 2: Well, they've got your money, right.
29:10
Speaker 4: Like, you can't be like hahaha, it's not going to
29:12
Speaker 4: work after this amount of time.
29:14
Speaker 2: True, someone said.
29:15
Speaker 4: I think offering it back and kindly explaining before selling
29:18
Speaker 4: it would be polite.
29:20
Speaker 2: Great. She could regift it to someone in her circle
29:23
Speaker 2: that knows she could use it, perhaps somebody who they
29:26
Speaker 2: know already goes to that spa.
29:27
Speaker 5: True.
29:29
Speaker 6: Or to stand outside the spar and be like, you
29:30
Speaker 6: want one hundred bucks off your treatment?
29:32
Speaker 4: Yeah, exactly, stand out the front and be like, hey,
29:35
Speaker 4: I've got this voucher.
29:35
Speaker 2: Are you going in there?
29:37
Speaker 6: Just have someone who looks nice.
29:38
Speaker 2: Yes.
29:39
Speaker 1: Yeah.
29:40
Speaker 4: It's like when you give your parking ticket to the
29:42
Speaker 4: next PERI. It's like my favorite thing to do, all right. Next,
29:46
Speaker 4: someone said, we need to change your mindset. My friend,
29:49
Speaker 4: I am your friend. She said, I don't have many friends,
29:51
Speaker 4: but it's all about open and honest communication. In this circumstance,
29:56
Speaker 4: You've got enough friends, I promise. Next someone said, let
29:59
Speaker 4: it expire or let them know that the.
30:01
Speaker 2: Terms and conditions suck. She might not have known and
30:03
Speaker 2: gift it to somebody else too in the future.
30:06
Speaker 1: Oh.
30:07
Speaker 2: Point.
30:07
Speaker 6: It's a very good point.
30:08
Speaker 2: Because if Becky, you pretended to love the gift that
30:11
Speaker 2: I gave you.
30:12
Speaker 4: I'd be like, that's sick. I'm going to get it
30:13
Speaker 4: for Indy when her birthday comes up. And then Indy's like, fuck,
30:15
Speaker 4: she got me one of those gift vouchers that you.
30:18
Speaker 2: Got that you just can't use about me behind my back.
30:22
Speaker 2: We would never, No, you wouldn't.
30:25
Speaker 6: You would just sell this whole cycle, just give gift everything.
30:28
Speaker 2: No, it's true. Someone else said, if she's a true friend,
30:31
Speaker 2: she's gonna understand. Just talk to her about it.
30:34
Speaker 4: Someone else is on the same page as me and said,
30:36
Speaker 4: ring up the SPA and tell them that they need
30:38
Speaker 4: to be flexible with their.
30:39
Speaker 2: Terms and conditions.
30:40
Speaker 4: Seriously, someone said, ask other clothes, family or friends if
30:44
Speaker 4: they would like it so it doesn't go to waste,
30:46
Speaker 4: or ask for an extension, which I think is very fair.
30:49
Speaker 4: Extension noneth less, like six months is not enough time.
30:52
Speaker 4: Someone else has said, and I'll give you two more
30:54
Speaker 4: of these. I'd regift it to someone in a better
30:56
Speaker 4: financial position. I'd give it to my mum or something
30:58
Speaker 4: like that. And then someone said, sell it or gift
31:01
Speaker 4: it to someone close to you. Just pass on the
31:03
Speaker 4: good vibes. That's what it was for like that, because
31:07
Speaker 4: I just feel like when you're giving a gift, it's the.
31:09
Speaker 2: Thought that counts, bought that counts. Like that's what tend.
31:12
Speaker 4: I gave you a mug, and I go, beck, I
31:15
Speaker 4: picked this mug because I thought you'd really love it,
31:17
Speaker 4: but then it turns out you just drink out of
31:19
Speaker 4: drink bottle and you're never going to use it.
31:22
Speaker 2: Does the thought go to waste there? I don't think
31:24
Speaker 2: it does never.
31:26
Speaker 4: So if you regifted it, you'd be like, well, it
31:28
Speaker 4: is a really nice mug, I'm just not going to
31:30
Speaker 4: use it.
31:31
Speaker 6: And arguably opening a gift is so much funner than
31:34
Speaker 6: usually the gift.
31:35
Speaker 4: Yeah, exactly, And also is it not a gift that
31:37
Speaker 4: I just saved you money from having to like buy
31:39
Speaker 4: your other friend and another process.
31:40
Speaker 6: Exactly.
31:41
Speaker 4: You are welcome, You are welcome. Don't say I don't
31:44
Speaker 4: do anything for you.
31:45
Speaker 2: Regift all the time, especially coming up to Christmas. Maybe
31:48
Speaker 2: go through your cupboard.
31:49
Speaker 4: What haven't you used from Christmas last year that you
31:52
Speaker 4: can add it to Chris Kringle this year?
31:57
Speaker 6: Not hoping maybe.
31:59
Speaker 2: There's a lot. There is a lot, all right.
32:01
Speaker 4: Unfortunately, I do think that is all we have time
32:04
Speaker 4: for today. So Beck you have the best we can
32:07
Speaker 4: you too, and we will see you guys on Monday.
32:10
Speaker 5: Bye guys, love you, bye bye.
32:18
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32:21
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32:28
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33:00
Speaker 3: You will be that you want me