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What Should You Really Do With Your Tax Return? And a Spicy WFH Energy Bills Debate · She's On The Money

• 0:00
  Speaker 1: My name's Sasha Bamblet. I'm a proud First Nations woman
• 0:03
  Speaker 1: and I'm here to acknowledge country t Glenn Young Ganya
• 0:08
  Speaker 1: Niana Kaka yah y and beIN Ahaka Nian our gay
• 0:11
  Speaker 1: In Mbini yakarum Jar Dominyamika Umagahawaka Woman Damon Imlan Bumba
• 0:16
  Speaker 1: ban Gadabomba in and now in wakah ghan On yak
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  Speaker 1: rum Jar water Nadaa. Hello, beautiful friends, we gather on
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  Speaker 1: the lands of the Aboriginal people. We thank, acknowledge and
• 0:27
  Speaker 1: respect the Abigin people's land that we're gathering on today.
• 0:30
  Speaker 1: Take pleasure in all the land and respect all that
• 0:33
  Speaker 1: you see. She's on the Money podcast acknowledges culture, country,
• 0:38
  Speaker 1: community and connections, bringing you the tools, knowledge and resources
• 0:43
  Speaker 1: for you to thrive.
• 0:45
  Speaker 2: She's on the Money.
• 0:47
  Speaker 3: She's on the Money.
• 1:08
  Speaker 4: Hello and welcome to She's on the Money, the podcast
• 1:10
  Speaker 4: that makes personal finance fun, especially on Fridays. It's our
• 1:14
  Speaker 4: favorite day of the week because we get our team
• 1:16
  Speaker 4: together and we celebrate you our incredible.
• 1:18
  Speaker 5: She's on the Money community.
• 1:20
  Speaker 4: Mister Garci, She's here as always sharing her favorite money wins.
• 1:24
  Speaker 4: Miss Becksayed has a few cheeky broke tips, and today
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  Speaker 4: we're going to be helping to answer money dilemma about
• 1:30
  Speaker 4: what you should do with your tax return and something
• 1:33
  Speaker 4: that you slid into our dms about should you be
• 1:35
  Speaker 4: footing the bill for a housemate.
• 1:37
  Speaker 5: That is working from home.
• 1:39
  Speaker 4: I feel like this is a good one, and we've
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  Speaker 4: kind of touched on it before because you work from
• 1:42
  Speaker 4: home and your partner.
• 1:43
  Speaker 6: Does housemates the west from home, but it's also.
• 1:46
  Speaker 4: A different conversation when your housemate's not partners.
• 1:49
  Speaker 3: Well, that's it.
• 1:50
  Speaker 4: I get there before we get there, though, my loves,
• 1:53
  Speaker 4: How were your weeks?
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  Speaker 3: You go first?
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  Speaker 6: He's been good. I have just kind of in bubbing
• 1:59
  Speaker 6: along living life, not doing anything super exciting. To be honest,
• 2:02
  Speaker 6: I wish I had any fun to report, but gorgeous,
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  Speaker 6: I don't.
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  Speaker 3: It's okay, what about you? Really good week? I'm going
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  Speaker 3: to Thailand in like three days. That's I'm sorry about that.
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  Speaker 7: Talk about that just for one week because my girlfriend's
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  Speaker 7: going over there for a dance retreat and she was
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  Speaker 7: like a treat.
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  Speaker 3: She's a dancer, isn't.
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  Speaker 5: That Like I knew that, but like so very cool.
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  Speaker 7: It's so like that of course, you know, like she's
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  Speaker 7: already so hot and then she also is a dancer.
• 2:31
  Speaker 3: It's like this, you have lucked out. I know, I
• 2:33
  Speaker 3: don't know how I did it. I really didn't know
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  Speaker 3: how to do this, but anyway, and so I'm not
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  Speaker 3: going to meet her over there after the dance stuff.
• 2:38
  Speaker 7: I should really be listening more to what she's been
• 2:41
  Speaker 7: telling me, because I'm just calling it dance stuff.
• 2:42
  Speaker 3: But I'm sure there's more to it. So I'm kind
• 2:44
  Speaker 3: of excited for that. But I hate flying, so I'm anxious,
• 2:47
  Speaker 3: But that's okay.
• 2:48
  Speaker 5: What is your strategy when flooring?
• 2:50
  Speaker 2: Man?
• 2:50
  Speaker 5: If you're anxious?
• 2:51
  Speaker 7: I don't recommend this, but I either go to my
• 2:53
  Speaker 7: doctor right and I get some things prescribed, or I
• 2:56
  Speaker 7: just pinch my eyebrow so brow hard no that I'm like, no,
• 3:01
  Speaker 7: I can't focus on anything but the pain.
• 3:04
  Speaker 6: I do it.
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  Speaker 3: I do like all my thighs. Like the pinching is
• 3:07
  Speaker 3: an annoying feeling.
• 3:08
  Speaker 5: You know, this is just not how I saw this
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  Speaker 5: conversation going.
• 3:11
  Speaker 4: I thought you'd have like breathing strategies or something, and
• 3:14
  Speaker 4: you pinch yourself.
• 3:15
  Speaker 3: I need to disassociate, you know, But that's me, And
• 3:18
  Speaker 3: how about you VD.
• 3:19
  Speaker 4: Like when I fly, I you have a valium and
• 3:22
  Speaker 4: then have a red wine on the plane and I
• 3:23
  Speaker 4: find that does the job. Yeah, that does a job.
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  Speaker 4: Can I medically recommend that?
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  Speaker 5: Absolutely?
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  Speaker 8: Not?
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  Speaker 4: Is that probably irresponsible? Absolutely? But my doctor prescribed it,
• 3:32
  Speaker 4: so it must be legal. And nobody stopped me. Like
• 3:36
  Speaker 4: before they served me that red wine on the plane,
• 3:38
  Speaker 4: they went, like, you had a valium.
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  Speaker 5: Maybe I have, Maybe I haven't.
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  Speaker 3: Who's okay, it's so chill.
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  Speaker 5: Yeah, No, my week has been good.
• 3:49
  Speaker 4: I just cannot seem to shake this post laryngitis voice,
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  Speaker 4: and it is driving me insane because I actually feel fine,
• 3:58
  Speaker 4: you know when you're like, I'm fine, but my vocal
• 4:00
  Speaker 4: cards have not recovered, and like obviously I'm on the
• 4:03
  Speaker 4: pod right now, so I'm not exactly giving them any
• 4:06
  Speaker 4: type of chance to get better on their own. I've
• 4:09
  Speaker 4: just been willing it into reality. I've been like, no, tomorrow,
• 4:12
  Speaker 4: I'm waking up and I'll be fine.
• 4:13
  Speaker 5: And then I wake up and I actually sounds like
• 4:16
  Speaker 5: the devil. It sounds than thank you.
• 4:20
  Speaker 4: It's just really annoying because like then I feel like
• 4:23
  Speaker 4: my voice gets exhausted really quickly.
• 4:25
  Speaker 5: Yes, anyway, so live love laugh. I suppose just like Jess,
• 4:29
  Speaker 5: do you.
• 4:29
  Speaker 3: Guys report I had that a couple of years ago.
• 4:31
  Speaker 7: I feel like listeners hopefully remember it is Christmas time
• 4:34
  Speaker 7: and I was on the show, but I wasn't making
• 4:37
  Speaker 7: any sound, and so we're like dah, yeah, like listening,
• 4:40
  Speaker 7: you would be like they're responding.
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  Speaker 3: To nothing because I wasn't making any noise.
• 4:45
  Speaker 5: It can be so it's the worst. Oh my god.
• 4:49
  Speaker 4: Before we dive any further in, would you guys like
• 4:52
  Speaker 4: to hear a little five star review? Read in my
• 4:54
  Speaker 4: husky voice? Yes, please, I knew you'd want this, especially Beck. Alright,
• 4:58
  Speaker 4: so we have a beautiful one from Steph b R.
• 5:02
  Speaker 4: So she says, thank you. I started listening to She's
• 5:05
  Speaker 4: on the Money in twenty nineteen, upon my sister's recommendation.
• 5:09
  Speaker 4: I was kid free and in my second year of
• 5:11
  Speaker 4: full time work. It helped me immensely to focus on
• 5:14
  Speaker 4: my savings goals and finance several overseas trips. Before and
• 5:17
  Speaker 4: after COVID hit your Christmas Savings episodes with a push,
• 5:21
  Speaker 4: I needed to start a Christmas savings account that I
• 5:23
  Speaker 4: add to fortnightly and saves me so much stress. Once
• 5:27
  Speaker 4: that wonderful time of year starts now that I'm a
• 5:30
  Speaker 4: mom of two small kids and money.
• 5:32
  Speaker 5: Is way more tight. I love the feeling of community.
• 5:35
  Speaker 4: She's on the Money Provides, and listening to v Jess
• 5:38
  Speaker 4: and Beck as I wheel the double.
• 5:39
  Speaker 5: Bram around makes my day. Oh wow is so cute.
• 5:44
  Speaker 5: That is so cute.
• 5:45
  Speaker 4: Well, hi, we met you in your single era and
• 5:47
  Speaker 4: now she's a mummy.
• 5:48
  Speaker 3: Yeah, wow, we grew with you.
• 5:51
  Speaker 4: I'm obsessed, Like, I just love our community so much,
• 5:53
  Speaker 4: like just the idea that like we have got to
• 5:56
  Speaker 4: hang out with people in just like such different life phases.
• 6:00
  Speaker 4: We're not just like a Oh I listened to that
• 6:02
  Speaker 4: podcast while it was relevant, Like I just thought that's
• 6:05
  Speaker 4: how our podcast would go.
• 6:06
  Speaker 5: I don't know if that's silly or not.
• 6:08
  Speaker 4: But then people are saying, I've listened to you for
• 6:10
  Speaker 4: literal years and my entire life's changed, but still relevant.
• 6:13
  Speaker 5: I'm like, yes, this is so good. A're still my friends.
• 6:17
  Speaker 7: That's so nice, and like we people associate us as
• 6:20
  Speaker 7: different paths like the walking the pram or oh it's
• 6:23
  Speaker 7: so cute.
• 6:23
  Speaker 3: I think it's really really sweet.
• 6:25
  Speaker 4: Someone messaged me on Instagram the other day and said
• 6:27
  Speaker 4: that they'd just driven to Adelaide and done a She's
• 6:29
  Speaker 4: on the Money binge listen. They'd organized their episodes so
• 6:33
  Speaker 4: that like they were like, all right, I'm going to
• 6:35
  Speaker 4: drive two hours to like this stop location. And she
• 6:39
  Speaker 4: picked a few episodes because she was like, in the morning,
• 6:41
  Speaker 4: I'm learning it about investing.
• 6:43
  Speaker 7: And I'm doing this.
• 6:44
  Speaker 4: And I was like, God, what You're like, that's crazy
• 6:47
  Speaker 4: crazy cool, that's really cool.
• 6:50
  Speaker 5: So just so you guys know, we went on a
• 6:51
  Speaker 5: road trip to Adelaide. I can't so for us.
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  Speaker 3: Yeah, that's good.
• 6:56
  Speaker 5: Yeah, And we helped someone learn all about invest That's
• 7:00
  Speaker 5: so cool.
• 7:01
  Speaker 3: What a great idea.
• 7:02
  Speaker 5: It's so cute.
• 7:02
  Speaker 4: Anyway, Miss Jessica Greed she what money wins and confessions
• 7:05
  Speaker 4: are you bringing to the table?
• 7:06
  Speaker 6: Alrighty, first of this week, I've got a money win
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  Speaker 6: it from Lisa, who said she automatically transfers a certain
• 7:11
  Speaker 6: amount towards her pet fund each week, which is meant
• 7:13
  Speaker 6: to cover like food and flenworm treatment things like that. However,
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  Speaker 6: she makes sure she has a little bit of a
• 7:19
  Speaker 6: buffer on the amount that she transfers that overtime, it
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  Speaker 6: slowly builds up. This week, she had to take one
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  Speaker 6: of her goldens to the vet and there was enough
• 7:26
  Speaker 6: in there to cover the appointment the medicine, and she
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  Speaker 6: bought a little treat for the cats as well from
• 7:31
  Speaker 6: the same pet fund. She said, it's such a good
• 7:33
  Speaker 6: feeling knowing that she had the money there pettily because
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  Speaker 6: money's a little bit tighter while she's on matt leave.
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  Speaker 6: And she did provide us a beautiful pet tax photo.
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  Speaker 6: Well done, Lisa. Next, I've got a money confession from Madison,
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  Speaker 6: who said she ticked an item off from her bucket list,
• 7:46
  Speaker 6: stopping at the Cookers County Cookies Factory in donald.
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  Speaker 3: That's a bloody Halftimes fast.
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  Speaker 6: She said she spent fifty three dollars on cookies and
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  Speaker 6: merch and she's really happy. But she definitely didn't need
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  Speaker 6: to do it. And there are a lot of people
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  Speaker 6: who commented saying that like various things from the Cookers
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  Speaker 6: County Cookies factory were very very good.
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  Speaker 3: So God, where is this?
• 8:06
  Speaker 6: Where is I have in I'm assuming Cookers County, Okay,
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  Speaker 6: not sure where that is because Country Cookies apologies, Cookers
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  Speaker 6: Country Cookies.
• 8:14
  Speaker 5: I mean that feels still like a mouthful.
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  Speaker 6: It is still a mouthful.
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  Speaker 5: I will have to look good it.
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  Speaker 6: I wonder if it's in Victoria. If it is, maybe
• 8:21
  Speaker 6: she's on the money road trip.
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  Speaker 3: Yeah yeah, yeah, we're not too.
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  Speaker 6: We love a sweet treet. Next, I've got a money
• 8:27
  Speaker 6: win from Jamie, who said my gym just installed a
• 8:29
  Speaker 6: coffee machine, so I'm saving six bucks a day by
• 8:31
  Speaker 6: not purchasing a coffee on the way to work.
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  Speaker 5: Just so good.
• 8:34
  Speaker 4: My coffee machine has been sleighing recently, putting in the
• 8:37
  Speaker 4: hard yards. Yeah, one hundred percent. I got a new
• 8:39
  Speaker 4: brevel for those of you following along at home. As
• 8:41
  Speaker 4: I know, there was a question about like, well, coffee
• 8:43
  Speaker 4: machine did you pick?
• 8:44
  Speaker 5: Because I did a.
• 8:45
  Speaker 4: Whole Instagram thing a Brevel and then I buy my
• 8:47
  Speaker 4: beans at the local cafe, which is probably not a
• 8:49
  Speaker 4: money win, but I feel like we have it at
• 8:52
  Speaker 4: home now.
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  Speaker 5: Yeah.
• 8:53
  Speaker 6: Same so perfu Well, Jamie said that she's now investing
• 8:57
  Speaker 6: that six dollars that she would have spent on a
• 8:58
  Speaker 6: coffee every day into a chares.
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  Speaker 4: I need to say, okay, change to set that up,
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  Speaker 4: because it's just it's mindless things and from little things,
• 9:05
  Speaker 4: big things grow.
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  Speaker 3: Absolutely.
• 9:07
  Speaker 6: Next, I've got a money win from Celia, who said
• 9:09
  Speaker 6: she found address that she really wanted. The retail price
• 9:12
  Speaker 6: for it was one hundred and fifty dollars, so she
• 9:14
  Speaker 6: went on to deep op and found the exact same
• 9:16
  Speaker 6: dress for ten bucks stop. She put it it off
• 9:18
  Speaker 6: for eight and they accepted, so with eighteen dollars totally
• 9:21
  Speaker 6: including shipping.
• 9:22
  Speaker 5: That's such a funny win, which.
• 9:24
  Speaker 3: Is very well down.
• 9:25
  Speaker 6: Lastly, I have a money win from Aunt who said
• 9:27
  Speaker 6: they had to change the weekends that they were going
• 9:28
  Speaker 6: to visit a friend. Thankfully they hadn't booked their flights
• 9:31
  Speaker 6: yet and the weekend they ended up going is one
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  Speaker 6: hundred twenty dollars week cheaper the weekend it was planned.
• 9:36
  Speaker 6: Love and also just the difference of a week that
• 9:38
  Speaker 6: your flights can make. If you have flexibility it can
• 9:40
  Speaker 6: be one.
• 9:41
  Speaker 5: Hundred dollars opion flight times.
• 9:43
  Speaker 6: Yeah, exactly right.
• 9:44
  Speaker 4: Happy to take one for the team sometimes it's worth it,
• 9:46
  Speaker 4: absolutely And then you can upgrade to business with your points.
• 9:49
  Speaker 4: And why would you not an out of ten missed?
• 9:52
  Speaker 4: What have you got for us when it comes to
• 9:54
  Speaker 4: broke tips this week?
• 9:55
  Speaker 7: So the first thing comes from Bridget who says Woolwa's
• 9:58
  Speaker 7: metro stores. If you have like a Woolies rewards card,
• 10:00
  Speaker 7: and you spend more than thirty dollars in one shop,
• 10:02
  Speaker 7: you get a voucher for a free coffee.
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  Speaker 3: I did not know that.
• 10:06
  Speaker 5: That's actually such a good deal.
• 10:07
  Speaker 6: I don't know that either, man, that's so cool for
• 10:11
  Speaker 6: dinner that night or something.
• 10:12
  Speaker 3: And then get yeah, and well maybe.
• 10:15
  Speaker 7: It goes into your rewards app because I've never seen
• 10:19
  Speaker 7: I shove it a metro.
• 10:20
  Speaker 3: But that's really cool. Thank you, Bridget.
• 10:21
  Speaker 7: I will be using that constantly. And the next one
• 10:24
  Speaker 7: comes from Beck great game, My little cleaning broke tip.
• 10:29
  Speaker 7: I swear by five dollars seventy five methlated spirits from
• 10:32
  Speaker 7: Woolies with one lit lasting ages. I pour it into
• 10:36
  Speaker 7: those magnetic Kmart spray bottles. They stick to the fridge,
• 10:39
  Speaker 7: washing machine, garage shelves and use it for just about everything. Sorry,
• 10:43
  Speaker 7: magnetic spray bottles is low key genius. Yeah, that's machine
• 10:47
  Speaker 7: and stuff.
• 10:48
  Speaker 6: I can't rethlated spirits.
• 10:51
  Speaker 7: Well, just before anyone buys any she has a like
• 10:53
  Speaker 7: a recipe. It's the wrong words metho, yes, and you win.
• 11:00
  Speaker 7: Oh sorry, I'm sorry that was so slowly wind withds
• 11:05
  Speaker 7: rays fifty to fifty metho and water for streak free,
• 11:09
  Speaker 7: magic bench spray. I won't go through all these, but
• 11:12
  Speaker 7: if you go into the She's the Money your Facebook
• 11:14
  Speaker 7: group and just have a lookout for Bex brick tip.
• 11:17
  Speaker 4: Be very careful with your cleaning We're very careful with
• 11:19
  Speaker 4: your cleaning products, and don't mix cleaning products without checking.
• 11:22
  Speaker 6: At least it sounds like the method is being watered down.
• 11:25
  Speaker 3: Water down.
• 11:26
  Speaker 5: Yeah, but there's things you can't mix as well.
• 11:28
  Speaker 4: So if you're thinking, oh, that's great, I'll just add
• 11:30
  Speaker 4: my favorite cleaning product as well, don't do it because
• 11:33
  Speaker 4: I know that if you mix bleach and like vinegar,
• 11:35
  Speaker 4: for example, you create gas and that can actually seriously
• 11:40
  Speaker 4: harm you.
• 11:40
  Speaker 5: So don't mix things.
• 11:41
  Speaker 6: Really.
• 11:42
  Speaker 4: Yes, that's good to know. No mixing unless it's a
• 11:44
  Speaker 4: proper recipe. Alright, guys, Yeah, it's very good to know.
• 11:47
  Speaker 4: And then my broke tip. I came across this and
• 11:51
  Speaker 4: I think it's only for Victoria. I'm really sorry to say,
• 11:54
  Speaker 4: but right now me, it's only for Victoria.
• 11:57
  Speaker 7: Device. You can get a free water efficient share head
• 12:00
  Speaker 7: through the Victorian Energy Upgrades Program. This initiative, funded by
• 12:05
  Speaker 7: a Victorian government, aims to reduce water and energy consumption,
• 12:08
  Speaker 7: so you can just you already know it's going to
• 12:10
  Speaker 7: be one of those like weak as hell shower heads,
• 12:13
  Speaker 7: but it is, you know, it's still it's still good.
• 12:15
  Speaker 7: It's like a free shower head replacement. And I did
• 12:17
  Speaker 7: replace mine the other day, and I thought it would
• 12:19
  Speaker 7: be like five dollars. It's like one of those you know,
• 12:21
  Speaker 7: just this standards stock standard. It's like twenty three dollars.
• 12:23
  Speaker 7: So I'm like, that's actually such a good broke to
• 12:26
  Speaker 7: bougie tip. So like, if you live in a rental
• 12:29
  Speaker 7: more often than not, you can actually screw off a
• 12:32
  Speaker 7: shower head and store it in your bathroom cupboard and
• 12:35
  Speaker 7: put in one that you like. I remember, I lived
• 12:38
  Speaker 7: in a sharehouse for a very long time without that
• 12:41
  Speaker 7: knowledge and had the worst shower head, but it had
• 12:43
  Speaker 7: the best shower pressure. Yeah, So like I just remember it,
• 12:47
  Speaker 7: and I never changed the shower head. I just remember
• 12:50
  Speaker 7: the opportunity that presented.
• 12:51
  Speaker 4: I could have had a good shower head in that
• 12:54
  Speaker 4: shower and had an elite, elevated experience. You did it,
• 12:57
  Speaker 4: but it attacked me every time I went in there.
• 13:00
  Speaker 4: You know, like the ones that you get at the
• 13:01
  Speaker 4: swimming pool, you get stream it's kind of like there's
• 13:06
  Speaker 4: lots of holes, but they all go in one direction
• 13:08
  Speaker 4: and just like kind of beat the hell out of
• 13:10
  Speaker 4: you the second you get in the shower.
• 13:12
  Speaker 3: Yeah, I kind of like it.
• 13:14
  Speaker 6: Want a high pressure.
• 13:16
  Speaker 5: I like pressure everywhere, but like I need a bigger
• 13:19
  Speaker 5: shower head.
• 13:19
  Speaker 4: Anyway, you can purchase a shower head and you can
• 13:22
  Speaker 4: just screw it in on your own, very easy, and
• 13:25
  Speaker 4: like I would say, a bougie upgrade to yeah, your
• 13:29
  Speaker 4: next rental, Oh yeah, and don't forget it when you
• 13:31
  Speaker 4: move out, because that would be a money loss.
• 13:33
  Speaker 5: Is that it from you?
• 13:34
  Speaker 4: Beck? That is it for me?
• 13:35
  Speaker 7: But I was just going to say it is very
• 13:36
  Speaker 7: very quick and easy. I mean, if you have any troubles.
• 13:39
  Speaker 7: But when I moved into the sharehouse that I'm in now,
• 13:41
  Speaker 7: we had water just coming out of the wall.
• 13:45
  Speaker 3: That's so I was like, oh, well, we have no choice,
• 13:48
  Speaker 3: but I wish this was.
• 13:49
  Speaker 5: That's actually insane. Is that not the bare minimum?
• 13:52
  Speaker 3: I probably?
• 13:55
  Speaker 5: Oh God, but that's not willing to put up.
• 13:58
  Speaker 7: We're not going to be a botherea You just kind
• 14:01
  Speaker 7: of like put our hands against the wall and then
• 14:03
  Speaker 7: smash side.
• 14:05
  Speaker 5: All right, let's talk about this.
• 14:07
  Speaker 4: We're going to go to a break on the flip side,
• 14:08
  Speaker 4: We're going to be helping to answer money dilemma about
• 14:11
  Speaker 4: what you should be doing with your tax return and
• 14:13
  Speaker 4: something that you slid into our dms about should you
• 14:15
  Speaker 4: be footing the bill for a housemate that works from home? Guys,
• 14:19
  Speaker 4: don't go anywhere.
• 14:24
  Speaker 6: Welcome back, everybody. Let's take a listen to this week's
• 14:26
  Speaker 6: money dilemma.
• 14:29
  Speaker 8: Hi, there, have you got a money dilemma you just
• 14:32
  Speaker 8: can't solve?
• 14:33
  Speaker 3: The Sheese on the Money team is here to help.
• 14:35
  Speaker 8: Every week, we tackle your dilemmas, both big and small,
• 14:38
  Speaker 8: to answer your most burning money, career and life questions.
• 14:41
  Speaker 8: To get involved, simply head to our website and leave
• 14:44
  Speaker 8: us a short voice recording and you might just find
• 14:46
  Speaker 8: yourself on the show.
• 14:47
  Speaker 3: Now, let's take a listen to this week's money dilemma.
• 14:53
  Speaker 2: Hije's on the Money, just wanting to get your opinion
• 14:56
  Speaker 2: on something. So I received quite a sizable tax return
• 15:00
  Speaker 2: and I'm just wondering what to do with a certain
• 15:03
  Speaker 2: portion of it. So I've already put a fair chunk
• 15:06
  Speaker 2: of it into my savings, and I've also topped up
• 15:09
  Speaker 2: my emergency fund topped up some of my savers. I
• 15:12
  Speaker 2: put some into my investments, and I of course kept
• 15:15
  Speaker 2: a little bit decided for a treat yourself moment. And
• 15:18
  Speaker 2: after having done all that, I have about five hundred
• 15:21
  Speaker 2: dollars left over. I'm just not quite sure what to
• 15:24
  Speaker 2: do with it. I have considered putting it into my superannuation,
• 15:28
  Speaker 2: and I was exploring the co contribution scheme, but I
• 15:33
  Speaker 2: just don't fully understand that scheme, so I'm not too
• 15:35
  Speaker 2: sure about that. But otherwise, I've got this five hundred
• 15:39
  Speaker 2: dollars and I'm not quite sure what to do with it.
• 15:41
  Speaker 2: And I'd love to hear what you guys would do
• 15:44
  Speaker 2: with five hundred dollars from a tax return. Thanks guys,
• 15:47
  Speaker 2: let's start with Beck.
• 15:49
  Speaker 8: Beck.
• 15:49
  Speaker 4: What are you doing five hundred bucks on your tax return?
• 15:51
  Speaker 3: Hmmm, such a good question.
• 15:54
  Speaker 7: And this is really not relevant to write now, but
• 15:57
  Speaker 7: I currently have one thousand dollars in my Shares's account.
• 15:59
  Speaker 5: Sorry, I would be putting it in.
• 16:01
  Speaker 3: You know, I don't even know how this happened. I
• 16:03
  Speaker 3: can't actually remember it. Just I put around the little things.
• 16:06
  Speaker 5: Yes, seriously, they grow.
• 16:08
  Speaker 3: I've never had that.
• 16:10
  Speaker 4: Just you know, you were crazy creating financial freedom for yourself.
• 16:14
  Speaker 4: Now tell me does feel good?
• 16:15
  Speaker 5: What does that feel like?
• 16:16
  Speaker 3: It feels very good.
• 16:17
  Speaker 7: And so with that five hundred probably, I mean I
• 16:20
  Speaker 7: would definitely be really irresponsible, but I'm just trying to investment.
• 16:23
  Speaker 3: Think.
• 16:24
  Speaker 7: Yeah, I'm trying to think about Like, if I'm being
• 16:26
  Speaker 7: really responsible, i'd probably put it in chazyas.
• 16:28
  Speaker 4: But if you're not being responsible, I'm like, you're just
• 16:30
  Speaker 4: being back and no one's looking.
• 16:32
  Speaker 7: Oh my god, that would be gone in one nanosecond.
• 16:35
  Speaker 7: I have a long list of things that I want
• 16:37
  Speaker 7: to buy for my girlfriend, and you.
• 16:39
  Speaker 5: Are so lovely.
• 16:41
  Speaker 7: So as I said, as I said that, I was like,
• 16:45
  Speaker 7: sounds so lame, but I also would buy I'd buy
• 16:47
  Speaker 7: like three vapes just so I don't have to keep
• 16:49
  Speaker 7: going back and forth every week, okay, And then I
• 16:51
  Speaker 7: would maybe buy like like an item of clothing, just one,
• 16:56
  Speaker 7: you know, I'm just like the same kind of clothes
• 16:58
  Speaker 7: every day kind of girl.
• 16:59
  Speaker 3: And then then yeah, it would just go. It would
• 17:02
  Speaker 3: be going to uber E.
• 17:03
  Speaker 4: It's I'd just be living large for a little while.
• 17:05
  Speaker 4: I love this, Miss Jessicricci. I think I know, but
• 17:08
  Speaker 4: I don't know.
• 17:10
  Speaker 6: Well, I just got my taxi turn back. Actuallyusly I'm
• 17:12
  Speaker 6: very lucky. I got a similar to our listener a
• 17:14
  Speaker 6: good return, and I did a similar thing investments, house deposit.
• 17:18
  Speaker 6: Not to be like that really boring person, but that's
• 17:20
  Speaker 6: where all my spare money goes. But I am a
• 17:21
  Speaker 6: big fan of a tax treet. You guys know, I
• 17:23
  Speaker 6: buy a tax treat every year. I think it's if
• 17:25
  Speaker 6: you have it and you've paid all the things that
• 17:27
  Speaker 6: you should pay, it's kind of nice to let yourself
• 17:30
  Speaker 6: get one little treats like something else would. This year,
• 17:33
  Speaker 6: I haven't actually bought mine next only just come through,
• 17:35
  Speaker 6: but I like you back. I have like a wish
• 17:37
  Speaker 6: list of things. I was just looking at it, trying
• 17:39
  Speaker 6: to think at yeah, because I keep a list on
• 17:42
  Speaker 6: my phone of like things like you know, what's really
• 17:44
  Speaker 6: high on my list? But it's too big for a
• 17:46
  Speaker 6: tax treat. I really need a Plartes Reformer, so maybe
• 17:48
  Speaker 6: I'll put it into my Pilarates reformer funf Yeah.
• 17:52
  Speaker 5: Yeah, Reformer ones keep appearing on my Instagram. Oh they're
• 17:56
  Speaker 5: so beautiful.
• 17:57
  Speaker 4: Ye they're not just like functional, they're pretty Anyway, Am.
• 18:01
  Speaker 5: I allowed to be a down or on this?
• 18:03
  Speaker 7: No?
• 18:03
  Speaker 4: I mean yes, your tax return is returning income to
• 18:08
  Speaker 4: you that you paid over and above what you needed to.
• 18:12
  Speaker 4: So it's not free money. It's actually your money that
• 18:15
  Speaker 4: you worked really hard to earn. And yes, it is
• 18:18
  Speaker 4: very attractive because oh lump some I can do whatever
• 18:21
  Speaker 4: I want. But like girl, that's still part of your
• 18:23
  Speaker 4: taxable income. If you made eighty thousand dollars, that's part
• 18:26
  Speaker 4: of the eighty thousand dollars. It's not like above and
• 18:28
  Speaker 4: beyond like it's literally your money that you worked your
• 18:33
  Speaker 4: butt off for. And don't get me wrong, we all
• 18:35
  Speaker 4: deserve a little treat, So don't get me wrong. I
• 18:37
  Speaker 4: don't think it's a bad thing, just that you're doing
• 18:39
  Speaker 4: your we're not anti taxing treat, but you're also a
• 18:41
  Speaker 4: very financially responsible human being.
• 18:44
  Speaker 5: So I kind of I'll let that one slide a lot.
• 18:46
  Speaker 5: I appreciate it.
• 18:47
  Speaker 4: But on the flip side, I think a lot of
• 18:48
  Speaker 4: us get it and we just immediately go free money.
• 18:51
  Speaker 5: It feels good. What are you doing?
• 18:52
  Speaker 4: Like the amount of women I have spoken to, And again,
• 18:55
  Speaker 4: no shade, no judgment. I actually don't care what you
• 18:58
  Speaker 4: do with your money. I could not give two flying
• 19:02
  Speaker 4: monkeys what you do with your money as long as
• 19:04
  Speaker 4: I have given you every single tool and every single
• 19:07
  Speaker 4: resource that I believe you deserve to make the decisions
• 19:10
  Speaker 4: that are right for you. Then go and make those decisions.
• 19:13
  Speaker 5: Go make them.
• 19:13
  Speaker 4: I don't care Beck you want to buy three vapes
• 19:16
  Speaker 4: hop off, Queen, I love that for you. But what
• 19:19
  Speaker 4: I want to remind people of is that is your
• 19:21
  Speaker 4: money and you worked really hard for it. And it's
• 19:23
  Speaker 4: not often, especially if we're not good at saving or
• 19:26
  Speaker 4: we're not good at investing, we are presented with a
• 19:28
  Speaker 4: lump sum opportunity to get ourselves ahead. So for me personally,
• 19:34
  Speaker 4: I would just whack it into my investment. Like, but
• 19:36
  Speaker 4: I already have a setup, tried, true strategy, Like I'm
• 19:41
  Speaker 4: when it comes to money, if you dug under the covers,
• 19:45
  Speaker 4: kind of boring, Like I'm not a massive spender on
• 19:49
  Speaker 4: clothes and stuff. I don't know if people even pay
• 19:51
  Speaker 4: attention to that anymore. Like I feel like I wear
• 19:54
  Speaker 4: the same jumper, are the same jeans on rotation every
• 19:57
  Speaker 4: single week. It actually really annoys our video wayit to
• 20:00
  Speaker 4: Brook because she's like, Victoria, you wear the same thing
• 20:03
  Speaker 4: over and over again, so it looks like we recorded
• 20:06
  Speaker 4: everything within the same day.
• 20:08
  Speaker 5: That's un lucky for you. That's so lucky for you.
• 20:10
  Speaker 4: That looks a lot like not a me problem. My
• 20:12
  Speaker 4: hair might be different because I didn't wush it one day.
• 20:14
  Speaker 4: Yeah yeah, Anyway, for me, it's about putting future you
• 20:18
  Speaker 4: in the best possible position. And if you are ridiculously
• 20:21
  Speaker 4: excited about getting your tax return, I get it. But
• 20:24
  Speaker 4: that's probably because you don't have access to a lot
• 20:26
  Speaker 4: of funds right now. Like when it's five hundred dollars
• 20:29
  Speaker 4: but you've already got one hundred thousand dollars invested, you're
• 20:32
  Speaker 4: kind of like, Okay, cool, I'm going to do the
• 20:34
  Speaker 4: right thing. But when you get five hundred dollars and
• 20:37
  Speaker 4: you don't have five hundred dollars in your account, you
• 20:40
  Speaker 4: just see endless possibility. I do want you to seriously consider.
• 20:45
  Speaker 4: Have I got an emergency fund set up? Could I
• 20:47
  Speaker 4: top that up? What could that look like? Have I
• 20:50
  Speaker 4: got some bills due that I could take some pressure off,
• 20:52
  Speaker 4: like future me for because as much as like an
• 20:55
  Speaker 4: air wrap or a pilarate's reform or or anything good, like,
• 20:59
  Speaker 4: I get it, I want that stuff too. Is fun.
• 21:02
  Speaker 4: I can almost promise you that, oh, five hundred dollars
• 21:05
  Speaker 4: maybe I'll put two hundred and fifty dollars on credit
• 21:08
  Speaker 4: to my energy company so that I don't get bit
• 21:10
  Speaker 4: in the butt next time that comes around. And future
• 21:13
  Speaker 4: is going to be like, oh, that was so good
• 21:15
  Speaker 4: when your bill does come and it's fifteen dollars. So
• 21:18
  Speaker 4: for me, I think it's about driving home what is
• 21:20
  Speaker 4: important to you. I know you set everything up, but
• 21:22
  Speaker 4: could you, you know, turbo charge your investment a little bit,
• 21:25
  Speaker 4: or turbo charge your savings account. I hate the fact
• 21:28
  Speaker 4: that we're in the middle of a cost of living crisis.
• 21:31
  Speaker 4: We're going to need that money at some point. Yeah,
• 21:33
  Speaker 4: it's not free money.
• 21:34
  Speaker 1: Yeah.
• 21:35
  Speaker 6: And on the government co contribution thing, am I right
• 21:37
  Speaker 6: in remembering that that is mainly targeted at low income earners,
• 21:41
  Speaker 6: So check that you qualify before you put the money in.
• 21:44
  Speaker 1: Yeah.
• 21:44
  Speaker 4: I would go to the ATO website and just check
• 21:46
  Speaker 4: what's going on. I mean, you want a turbo charge
• 21:48
  Speaker 4: your suberannuation. I'm all about that because if you contributed
• 21:51
  Speaker 4: it today as well next tax return, you can claim
• 21:53
  Speaker 4: that contribution on tax again, which that you're just like
• 21:56
  Speaker 4: taxi taxi taxi can work for you. But I also
• 22:00
  Speaker 4: so I think, how can you get ahead. How can
• 22:02
  Speaker 4: you put future you in the best possible position.
• 22:04
  Speaker 5: I get it.
• 22:05
  Speaker 4: Get a little treat. Yeah, like I'm a sweet trearee.
• 22:08
  Speaker 4: You are never going to catch me going, oh my god,
• 22:12
  Speaker 4: I can do the fire. I could do financial independence,
• 22:14
  Speaker 4: retire early and save all my money. That's not for me,
• 22:16
  Speaker 4: but I am about Let's create a secure financial house
• 22:20
  Speaker 4: that you can live in comfortably.
• 22:22
  Speaker 5: Yeah, let's do that. Yeah, put future you in the
• 22:25
  Speaker 5: driver's seat.
• 22:26
  Speaker 8: Cool.
• 22:26
  Speaker 5: I love you.
• 22:27
  Speaker 3: She'll think you're so cool and that's why you're where
• 22:31
  Speaker 3: you are today.
• 22:32
  Speaker 4: Exactly right, crying and I don't have a reformer. H yeah,
• 22:38
  Speaker 4: yeahsolutely absolutely all right. So our DM this week. Hi,
• 22:43
  Speaker 4: she's on the money. My fine works from home and
• 22:45
  Speaker 4: I'm on the road all the time. We split bills
• 22:48
  Speaker 4: like power and internet fifty to fifty. But he can
• 22:51
  Speaker 4: claim part of that back on his tax return.
• 22:53
  Speaker 5: Well I can't.
• 22:54
  Speaker 4: I'm not sure if it really makes a big difference,
• 22:57
  Speaker 4: but it's been on my mind because our last power
• 23:00
  Speaker 4: was huge. He's getting a really big tax return surprise coincidence,
• 23:05
  Speaker 4: and I've got an unexpected bill from a payroll error.
• 23:08
  Speaker 4: I agreed to fifty to fifty when I moved in,
• 23:11
  Speaker 4: so I've never had an issue with it, but now
• 23:13
  Speaker 4: I'm wondering if I'm kind of subsidizing his work.
• 23:16
  Speaker 5: From home costs.
• 23:17
  Speaker 4: Do other people take this into account when splitting bills
• 23:20
  Speaker 4: with a partner or housemates or am I just overthinking this.
• 23:24
  Speaker 7: I'd be curious to know how often you're this person's
• 23:28
  Speaker 7: on the road, because it sounds like they're like a
• 23:30
  Speaker 7: lot of their job is kind of like they're often
• 23:33
  Speaker 7: not even home at all.
• 23:34
  Speaker 3: I would be a bit irritated that, Like, like.
• 23:36
  Speaker 7: If it was the other way around, if I was
• 23:38
  Speaker 7: working from home all the time and my partner was
• 23:40
  Speaker 7: not really and then we had a huge energy bill,
• 23:43
  Speaker 7: they wouldn't even have to use expend any mental energy
• 23:46
  Speaker 7: at all. I would be like, Wow, I'm home most
• 23:49
  Speaker 7: of the time. I'm going to figure this out so
• 23:53
  Speaker 7: you don't have to be paying fifty to fifty. Also
• 23:56
  Speaker 7: that the fact that you can get a little bit
• 23:57
  Speaker 7: back on tax so you can claim in on tax
• 23:59
  Speaker 7: would absolutely come to my mind, and I, like the
• 24:02
  Speaker 7: other person wouldn't need to think twice about it. I
• 24:04
  Speaker 7: would already be like, cool, this is the split because
• 24:08
  Speaker 7: I'm always home, You're never home.
• 24:10
  Speaker 3: You know, like it's so annoying that that's.
• 24:12
  Speaker 4: Not just like a default thing but just goes to
• 24:16
  Speaker 4: logic and putting the other person in the best possible suction, because.
• 24:19
  Speaker 7: Then you're you feel awkward and you've got to like
• 24:21
  Speaker 7: maybe you will have a fight, maybe you won't, maybe
• 24:23
  Speaker 7: they'll get angry maybe, and so it's just like anxiety inducing,
• 24:26
  Speaker 7: you know what I mean. So that sucks, and I'm
• 24:28
  Speaker 7: really sorry. But with that, it's probably pretty clear where
• 24:31
  Speaker 7: I sit on this. I think absolutely really like it
• 24:34
  Speaker 7: should be about and I think this is the right
• 24:36
  Speaker 7: word equity.
• 24:37
  Speaker 4: No.
• 24:37
  Speaker 7: Yes, And if you're home far less, like if you're
• 24:42
  Speaker 7: home every evening, then maybe like from five pm onward,
• 24:47
  Speaker 7: maybe it kind of all comes out in the wash.
• 24:49
  Speaker 7: But still you still shouldn't be paying as much. But
• 24:51
  Speaker 7: if you're like on the road a lot and you're
• 24:54
  Speaker 7: barely home except for on the weekends or something like that,
• 24:56
  Speaker 7: then it's a no brainer. It's a no brainer that
• 25:00
  Speaker 7: your partner should be paying like seventy percent depending on
• 25:04
  Speaker 7: figure out how how often your home. If it's thirty
• 25:07
  Speaker 7: percent of the time, then you pay in thirty percent
• 25:09
  Speaker 7: of the energy, you know what I mean.
• 25:11
  Speaker 3: So yeah, I don't know. I feel like it's a
• 25:13
  Speaker 3: no brainer for me. You should definitely be paying less.
• 25:15
  Speaker 6: Yeah, to play Devil's Advocate. Interestingly, energy off peak rates
• 25:19
  Speaker 6: are during the day, so it's actually cheaper to use
• 25:21
  Speaker 6: energy during the day than it is in the evenings.
• 25:24
  Speaker 6: Generally speaking, I would say, yeah, kind of like similar
• 25:27
  Speaker 6: to working out if you have a provider, or maybe
• 25:29
  Speaker 6: look at change into a provider. Some providers allow you
• 25:32
  Speaker 6: to track your hourly energy U see, which I think
• 25:34
  Speaker 6: that's a really good way to look at it, because
• 25:35
  Speaker 6: if I think about me working from home, the only
• 25:38
  Speaker 6: significant electrical cost is heating cooling, like when I'm not
• 25:43
  Speaker 6: using lights because it's daytime, so I don't actually need
• 25:46
  Speaker 6: to turn the lights on.
• 25:47
  Speaker 5: I will tell you, also pretty good with the heater
• 25:50
  Speaker 5: in the cooler anyway.
• 25:51
  Speaker 6: Well, I was gonna say, the way that we've kind
• 25:52
  Speaker 6: of worked it out is we'll turn the heater on
• 25:55
  Speaker 6: in the morning when we're both home. As soon as
• 25:57
  Speaker 6: it hits like eighteen degrees, like a comfortable temperature. We
• 25:59
  Speaker 6: then it to like our holding temperature, which is like
• 26:02
  Speaker 6: thirteen four.
• 26:03
  Speaker 5: Would have left it on that anyway, correct, So.
• 26:05
  Speaker 6: Like we've kind of worked out and that was something
• 26:07
  Speaker 6: we had to kind of trial and error, Like we
• 26:09
  Speaker 6: went through a phase where our heating bill was astronomically high,
• 26:11
  Speaker 6: and absolutely I recognized, Okay, well, i'm home a lot
• 26:15
  Speaker 6: like does need to be on let's change that. But
• 26:17
  Speaker 6: I think looking at the breakdown actually would probably be
• 26:19
  Speaker 6: quite interesting because if I reflect on, like me being
• 26:22
  Speaker 6: at home, the electricity usage would actually be relatively minimal
• 26:26
  Speaker 6: outside of here and calling, which we've obviously now found
• 26:29
  Speaker 6: a middle ground on. Obviously, like me and my partner
• 26:31
  Speaker 6: are spoke about it. He's really happy for it to
• 26:32
  Speaker 6: be fifty to fifty, he says, up late when I
• 26:34
  Speaker 6: go to bed. So for us, it kind of does
• 26:36
  Speaker 6: come out in the wash, but it would be if
• 26:38
  Speaker 6: that's something that's on your mind, so you're stressing about,
• 26:40
  Speaker 6: I think, exactly as you said, finding a way to
• 26:43
  Speaker 6: quantify the difference in usage the difference in cost is
• 26:46
  Speaker 6: important because it may also be that you might discover,
• 26:49
  Speaker 6: oh well, actually in the evenings when we're both home
• 26:52
  Speaker 6: and peak usage is really high and we're running the
• 26:54
  Speaker 6: TV and the dryer and cooking dinner and doing all
• 26:57
  Speaker 6: of those things. That accounts for a lot of our
• 27:00
  Speaker 6: electricity usage. And you don't realize it so, and it
• 27:02
  Speaker 6: could be the other way. It could be that the
• 27:03
  Speaker 6: daytime usage is absolutely eating up, in which case completely
• 27:07
  Speaker 6: agree equity is the way to go if that's what
• 27:09
  Speaker 6: you want, and that's very fair and valid. But I
• 27:11
  Speaker 6: think having an understanding of how it actually all breaks down,
• 27:14
  Speaker 6: because it isn't quite as black and white as whoeverres
• 27:18
  Speaker 6: grown is what the usage equals, it's just worth considering.
• 27:21
  Speaker 6: I would say, it's a.
• 27:21
  Speaker 5: Really good pose, that's really fair.
• 27:23
  Speaker 4: I feel like I'm kind of on both sides, Like
• 27:26
  Speaker 4: if you're working from home more consistently, I would also
• 27:30
  Speaker 4: assume that your grocery bill is being impacted by this,
• 27:33
  Speaker 4: because maybe they're eating lunch at home or regularly. I'd
• 27:36
  Speaker 4: be like, Okay, how do we split this and what
• 27:39
  Speaker 4: is fair? I mean, for me personally, it's never been
• 27:41
  Speaker 4: something that I've had to discuss. I've never lived with
• 27:43
  Speaker 4: someone who worked from home, and if they did, it
• 27:46
  Speaker 4: was like an odd rarity because I had housemates all
• 27:49
  Speaker 4: prior to COVID and we weren't allowed to work from home.
• 27:52
  Speaker 4: And now my husband works from home a bit. I
• 27:54
  Speaker 4: work from home a bit, and it's just not something
• 27:56
  Speaker 4: I've really thought of. But I do think the equity
• 27:58
  Speaker 4: thing is the fairest because it's like, well, I don't know,
• 28:02
  Speaker 4: maybe your partner isn't as considerate as a jest in
• 28:04
  Speaker 4: this situation and does have the heater on twenty four
• 28:07
  Speaker 4: all day while you're out, all the lights are on,
• 28:10
  Speaker 4: like they leave the fridge open. Who knows at which
• 28:12
  Speaker 4: point I would probably be saying, Hey, how do I
• 28:15
  Speaker 4: have this conversation? I don't think any conversation is unwarranted,
• 28:19
  Speaker 4: but like I would be open to what their thoughts
• 28:22
  Speaker 4: are on that first, not going to them with a solution.
• 28:25
  Speaker 4: I'd be like, hey, do we need a solution for
• 28:27
  Speaker 4: this because this kind of seems crazy? Or blame the
• 28:30
  Speaker 4: Shees on the Money community and say, oh, someone in
• 28:32
  Speaker 4: the Shees on the Money community you was saying they
• 28:34
  Speaker 4: slip their bills like this. Differently, should we be relooking
• 28:36
  Speaker 4: at ours because you work from home and seeing what happens,
• 28:39
  Speaker 4: because I think that that can be a little less
• 28:41
  Speaker 4: confrontational because you're right back, Like if you get the
• 28:43
  Speaker 4: bill and then you have to have the conversation, that
• 28:46
  Speaker 4: can be quite confrontational, and they'll be like, oh, I
• 28:48
  Speaker 4: don't what the hell you said you.
• 28:50
  Speaker 5: Pay fifty cent?
• 28:50
  Speaker 4: While you're going back on that as opposed to an open,
• 28:53
  Speaker 4: honest conversation about.
• 28:54
  Speaker 5: Like, okay, times have changed. Yeah I saw this thing.
• 28:57
  Speaker 5: Could this benefit us?
• 28:59
  Speaker 8: Yeah?
• 28:59
  Speaker 5: Yeah, absolutely, that's probably where I'm sitting.
• 29:01
  Speaker 6: What did everybody else say?
• 29:03
  Speaker 4: So obviously we all had thoughts and feelings, but we
• 29:05
  Speaker 4: first asked a few questions. First question was, what is
• 29:08
  Speaker 4: the work from home situation in your house? Forty eight
• 29:11
  Speaker 4: percent of you said one or some of us work
• 29:13
  Speaker 4: from home, forty percent said none of us work from home,
• 29:17
  Speaker 4: and twelve percent said all of us work from home.
• 29:20
  Speaker 4: We then said what would you do in this situation?
• 29:23
  Speaker 4: Thirty six percent said, add the tax refund to the bills, kitty, Oh,
• 29:28
  Speaker 4: that's a good idea. Yeah, thirty two percent said it
• 29:30
  Speaker 4: just based on usage, and the other thirty two percent
• 29:32
  Speaker 4: said keep it fifty fifty. Now, we also went to
• 29:36
  Speaker 4: the community and said, guys, what is your two cents?
• 29:38
  Speaker 4: First person said he should only be claiming tax back
• 29:41
  Speaker 4: on the portion of bills he paid, not the full
• 29:43
  Speaker 4: bill anyway, which is true. Yeah, it's a good point.
• 29:46
  Speaker 4: Next person said, tell them to buy you something pretty.
• 29:49
  Speaker 6: I'm not mad about that as a solution, I'm going
• 29:51
  Speaker 6: to be really honest.
• 29:53
  Speaker 4: I put it in there because I was like, that's funny.
• 29:56
  Speaker 4: Next person said, these situations can turn into tit for tat.
• 29:59
  Speaker 4: For example, I'm not home on the weekends, though I
• 30:01
  Speaker 4: go to footy all day. Yeah, and I don't use
• 30:04
  Speaker 4: any power.
• 30:04
  Speaker 5: What about that?
• 30:05
  Speaker 4: So I think we need to just zoom out and
• 30:07
  Speaker 4: have a holistic view of these things before we start
• 30:09
  Speaker 4: a conversation. Next person said, Internet built same either way.
• 30:13
  Speaker 4: Electrocity would be hardly a little different overthinking, but it's
• 30:17
  Speaker 4: good to be aware. Next person said, I work from
• 30:20
  Speaker 4: home two or three out of three days. I try
• 30:23
  Speaker 4: not to add edy additional power minus my laptop because
• 30:26
  Speaker 4: that shit is no true.
• 30:28
  Speaker 7: Yeah.
• 30:28
  Speaker 4: Next person said if this was a housemate, I'd probably
• 30:31
  Speaker 4: have an issue, but with a partner, I think it
• 30:32
  Speaker 4: balances out.
• 30:34
  Speaker 5: And then another person said, equity is not equal.
• 30:38
  Speaker 4: Fifty to fifty only works if you are using and
• 30:40
  Speaker 4: earning exactly the same, Otherwise you need to split proportionally.
• 30:43
  Speaker 4: You've been in the comment section back it sounds a
• 30:45
  Speaker 4: little bit like me. And then the last one that
• 30:48
  Speaker 4: I'm going to leave you with is a really good
• 30:50
  Speaker 4: contribution and they said Finder dot com dot A, you
• 30:52
  Speaker 4: actually has a really good breakdown of what worked from
• 30:55
  Speaker 4: home costs look like.
• 30:56
  Speaker 5: Have a look and go from there.
• 30:58
  Speaker 4: Oh lover, we've got a little resource, we've got a
• 31:01
  Speaker 4: little opinion. You got everything I think from that response. Yeah, guys,
• 31:05
  Speaker 4: I think that's a very good way to wrap it.
• 31:07
  Speaker 4: Thank you for doing another Friday episode with me, and
• 31:09
  Speaker 4: we'll see you write nearly your Monday for money Darry.
• 31:11
  Speaker 5: Have a good weekend, Hi, guys.
• 31:13
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• 31:22
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• 32:00
  Speaker 2: Do you any