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The Sublet Slap In The Face · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
• 0:04
  Speaker 1: the Order KERNI Whoalbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money, She's on the Money.
• 0:57
  Speaker 2: Hello, and welcome to She's on the Money, the podcast
• 1:00
  Speaker 2: for millennials who want financial freedom. Today, my friends, is Friday,
• 1:05
  Speaker 2: which means we usually get the team together, but Jess
• 1:08
  Speaker 2: is sick, so Beck, it's you and me today. I'm
• 1:10
  Speaker 2: okay with that look. I think it's gonna be fine.
• 1:13
  Speaker 2: I don't awful do the episode justice because Jess always
• 1:16
  Speaker 2: keeps us on track and we're the rogue ones. I'm
• 1:18
  Speaker 2: going to miss a what's this going to be called?
• 1:20
  Speaker 2: The B in B VB the VB episode? Yeah, all right,
• 1:26
  Speaker 2: So this week, as always, we're going to be sharing
• 1:27
  Speaker 2: our favorite money wins, which I get the privilege of doing.
• 1:31
  Speaker 2: We're going to be talking broke tips. Beck said something
• 1:34
  Speaker 2: about a banana before. I'm sure it's a secret. Okay, sorry.
• 1:38
  Speaker 2: We're also going to be answering a juicy money dilemma,
• 1:40
  Speaker 2: which this week is all about what to prioritize when
• 1:43
  Speaker 2: returning from maternity leave. And we're going to be unpacking
• 1:46
  Speaker 2: something that you slid into our DMS about which this week, Beck,
• 1:49
  Speaker 2: we're going to be talking about a topic that he
• 1:50
  Speaker 2: gives me the ig. Yeah, housemates who let their friends
• 1:54
  Speaker 2: use your room when you're on Oh, oh my god,
• 1:58
  Speaker 2: it's gonna be a little bit gross. But this first
• 2:00
  Speaker 2: things first, my love, how was your week? My week
• 2:03
  Speaker 2: was really good. I went to Actually it's a four.
• 2:06
  Speaker 2: It's been a full week.
• 2:07
  Speaker 4: I feel rejuvenated, I feel great. I feel like it's
• 2:09
  Speaker 4: been a good week. It's been a really really good week.
• 2:12
  Speaker 4: So a lot of friends and did a lot of
• 2:13
  Speaker 4: things and did a lot of chores and that's really exciting.
• 2:17
  Speaker 2: Yeah, it's very fun, not just working my life away.
• 2:20
  Speaker 2: I am halfway through not recording, but scripting up and
• 2:23
  Speaker 2: like doing all the research, which always takes me the
• 2:25
  Speaker 2: longest of our investing masterclass. It's is coming out soon. Yeah,
• 2:30
  Speaker 2: I'm really excited about it. I asked a question in
• 2:32
  Speaker 2: the Facebook group the other day and I was just like, hey, guys,
• 2:35
  Speaker 2: like I'm putting these together, Like what do you need
• 2:37
  Speaker 2: to know? Because obviously I've already done so much research.
• 2:39
  Speaker 2: I've written a book on investing, but I just want
• 2:42
  Speaker 2: to jam pack so much more into it. Like I
• 2:44
  Speaker 2: genuinely think that maybe like ten percent of what I
• 2:47
  Speaker 2: talk about in the course is like in the book. Right,
• 2:50
  Speaker 2: It's like just gone real rogue like because it's my
• 2:52
  Speaker 2: course and I don't have a producer or an editor
• 2:54
  Speaker 2: in the same way that I had a book. I'm like, well,
• 2:56
  Speaker 2: that's staying in. That's staying in. I'm the boss here.
• 2:59
  Speaker 2: So yeah. I asked the group what you guys want,
• 3:02
  Speaker 2: and I was like, hey, what can I include? And
• 3:04
  Speaker 2: there were just so many good suggestions. So I went
• 3:06
  Speaker 2: back to the drawing board and I like, redid my skeleton.
• 3:09
  Speaker 2: And we're halfway there, which means I'm recording it soon,
• 3:12
  Speaker 2: which means it will launch soon. And I'm very excited
• 3:14
  Speaker 2: about it. That's lost. So maybe nobody else cares about
• 3:17
  Speaker 2: an investing master class. I do because I think it's
• 3:20
  Speaker 2: gonna be lit. So that's mainly what I have done
• 3:23
  Speaker 2: literally a week. Wow. Wow, I get like hyper fixated
• 3:26
  Speaker 2: on something. Yeah, so like I've been doing it. Not
• 3:29
  Speaker 2: that you should brag about how many hours you're putting in,
• 3:31
  Speaker 2: but like I'm like up to like ten eleven every
• 3:34
  Speaker 2: night doing this, like on the couch. Sure, just because
• 3:37
  Speaker 2: I'm just so excited. I'm like, oh yep. And then
• 3:39
  Speaker 2: like I just keep typing and my husband's like, I'll
• 3:42
  Speaker 2: just play video games this week. I guess that is
• 3:45
  Speaker 2: very exciting me.
• 3:46
  Speaker 4: You're a very hard worker and I'm very very impressed
• 3:49
  Speaker 4: by everything you do.
• 3:50
  Speaker 2: Yeah, I don't even know if it's hard work. I've
• 3:52
  Speaker 2: just got a hyperfixation at the moment. So that's a symptom, right,
• 3:55
  Speaker 2: you know what. We'll just Yeah, it's definitely an ADHD scotcha.
• 3:59
  Speaker 2: I'm definitely hyper excited on it. So we're definitely not
• 4:01
  Speaker 2: going to be putting the same hours in moving forward.
• 4:03
  Speaker 2: But like you get what you get and you don't
• 4:06
  Speaker 2: get up exactly all right. So this is where I
• 4:08
  Speaker 2: usually would hand over to our friend Jessica and be like, Hey,
• 4:11
  Speaker 2: what community money wins have you got this week? Beck,
• 4:15
  Speaker 2: She's not here? No, so do we just skip? Absolutely?
• 4:19
  Speaker 2: I've got them. Are you ready? I'm ready. I've rounded
• 4:22
  Speaker 2: up my favorites. Okay, first things first, Rosalie, She says,
• 4:26
  Speaker 2: money loss. I bought a ten pack of nuggets and
• 4:28
  Speaker 2: they only had nine in there.
• 4:30
  Speaker 4: Oh, it's usually the other way around. You usually get
• 4:32
  Speaker 4: a few more, you don't usually get less.
• 4:35
  Speaker 2: Yeah, that's really rude. That's really rude. I'd be salty
• 4:38
  Speaker 2: about that too. We've got a money whin from Katie,
• 4:40
  Speaker 2: who's new to our community. Hi Katie, she says, I
• 4:44
  Speaker 2: have three kids, and I used our separate door Dash
• 4:46
  Speaker 2: accounts and I used the one dollar deal promotion for
• 4:50
  Speaker 2: an easy Sunday night takeaway dinner. Four burghers and chips
• 4:53
  Speaker 2: cost me four bucks. No way, is that a good money?
• 4:56
  Speaker 4: Way?
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  Speaker 5: Very sick.
• 4:59
  Speaker 2: Maybe we'll talk about this off, Mike, but I really
• 5:01
  Speaker 2: want to know how. So door Dash had a promotion recently,
• 5:04
  Speaker 2: spob I don't know, we can google it, but they
• 5:08
  Speaker 2: had a promotion recently where one item from like random menus,
• 5:13
  Speaker 2: So it would depend on what area you were in.
• 5:15
  Speaker 2: But like some burger places were like, okay, we'll out
• 5:17
  Speaker 2: chicken burger today is a dollar and so she clearly
• 5:20
  Speaker 2: has hacked it. So four burgos four bucks. You can't
• 5:22
  Speaker 2: even make that a year. That seriously, that's so good.
• 5:26
  Speaker 2: And chips and jip chippies these days as an add
• 5:29
  Speaker 2: on spenot they're like seven dollars fifty at a minute.
• 5:33
  Speaker 2: And now what the heck is that star? Just see potato.
• 5:37
  Speaker 2: Still going to do it, yeah, still going to do
• 5:39
  Speaker 2: it for sure. All right, we've got a money win
• 5:41
  Speaker 2: from Charlotte, she said. I don't usually share, but I
• 5:43
  Speaker 2: really have to. We direct debit weekly to our gas
• 5:46
  Speaker 2: and electricity account, a bit more expensive than required to
• 5:50
  Speaker 2: cover any unexpected laid bills. We recently moved house and
• 5:53
  Speaker 2: turns out we were eight hundred dollars in credit. Whoa.
• 5:58
  Speaker 2: We've been refunded the money and we're hoping to repurpose
• 6:01
  Speaker 2: that money on some fun projects on the new house
• 6:03
  Speaker 2: we didn't even think we could fund straight away. That
• 6:06
  Speaker 2: is so sime win. I love this. I have a
• 6:09
  Speaker 2: couple more. Do you want me to keep going?
• 6:11
  Speaker 4: Please?
• 6:11
  Speaker 2: Yes? This one's from Hugh. Hugh says money win a
• 6:15
  Speaker 2: month ago, I changed my SIM card plan from Optis
• 6:17
  Speaker 2: to a Masim, which saves me twenty dollars a month.
• 6:21
  Speaker 2: Since then, Optis contacted me with a different offer. They
• 6:24
  Speaker 2: offered me the same price with more data. I thought
• 6:26
  Speaker 2: that was pretty good. Then today a Masim was like, hey,
• 6:31
  Speaker 2: we'll give you ten dollars less, So obviously I said yes.
• 6:34
  Speaker 2: And it's a fifty percent discount on what I should
• 6:36
  Speaker 2: be paying. Wow, that's good money. When I literally love
• 6:40
  Speaker 2: when people hustle yes and to like negotiate a phone bill.
• 6:44
  Speaker 2: Do you know these days you can basically just go
• 6:46
  Speaker 2: online and talk to the online chat function. You don't
• 6:49
  Speaker 2: even have to pick up the phone, which is what
• 6:51
  Speaker 2: I think is most of our community a bit of anxiety.
• 6:53
  Speaker 2: It gives me anxiety, like picking up the phone and
• 6:55
  Speaker 2: having to be like, can I have a better deal,
• 6:57
  Speaker 2: Like just get on the chat function? But it can
• 7:00
  Speaker 2: be a keyboard warrior in that way. Oh my gosh,
• 7:02
  Speaker 2: it's so much better. I've got two more. This one's
• 7:05
  Speaker 2: from Renee. Renee says money win. I worked three out
• 7:08
  Speaker 2: of four days from home last week, which meant no
• 7:10
  Speaker 2: using petrol, and I saved forty five dollars worth of pucking.
• 7:13
  Speaker 2: And I also didn't spend any money on coffees or
• 7:16
  Speaker 2: juices that I will usually purchase while I'm at work.
• 7:19
  Speaker 2: How could's that? That's probably I don't know, one hundred bucks.
• 7:22
  Speaker 2: I feel like it's a lot of money, A lot
• 7:23
  Speaker 2: of money because like what's your coffee cost a day?
• 7:26
  Speaker 2: Like six bucks or something? To school stim I know
• 7:29
  Speaker 2: the school stick, Like you know, three or four a day?
• 7:33
  Speaker 2: You serious? I really have excite yet three or four
• 7:37
  Speaker 2: a day? It depends what week we are on the
• 7:39
  Speaker 2: page cycle. You go down to the cafe three or
• 7:41
  Speaker 2: four times a day? Yeah, sometimes just to have a chat.
• 7:43
  Speaker 2: But then I'll also get a coffee for.
• 7:46
  Speaker 1: Do you know.
• 7:46
  Speaker 2: I don't know how to tell you. They're scared. We
• 7:49
  Speaker 2: have free coffee in the office.
• 7:51
  Speaker 4: Inston Coffee, Babe, I'm not having instant coffee.
• 7:54
  Speaker 2: I don't know how to make that. I will teach
• 7:56
  Speaker 2: you how to make that, okay. But also you can
• 7:58
  Speaker 2: have like one a day. I'm not trying to budget
• 8:01
  Speaker 2: for you, but like three or four that is probably
• 8:04
  Speaker 2: where all my money goes. Yeah, because that would be
• 8:08
  Speaker 2: twenty four times five. Oh, I just truly calculated it now,
• 8:12
  Speaker 2: So three or four. Do you want to go based
• 8:14
  Speaker 2: on three or based on we're going to go three?
• 8:17
  Speaker 2: And you said that was six bucks each. You're spending
• 8:19
  Speaker 2: eighteen dollars a day, and if you come to work
• 8:21
  Speaker 2: every single day, that's ninety dollars a week, not even
• 8:25
  Speaker 2: including your weekend coffee. Your work coffees are costing that.
• 8:29
  Speaker 2: You know, let's be conservative, you get four weeks leave
• 8:32
  Speaker 2: a year. Obviously, we're not kept factoring in those coffees.
• 8:35
  Speaker 2: So instead of doing fifty what fifty two weeks in year,
• 8:39
  Speaker 2: forty eight weeks in a year, four thousand, three hundred
• 8:42
  Speaker 2: and twenty dollars back you're spending on coffee at work? Wow,
• 8:46
  Speaker 2: honestly at work.
• 8:48
  Speaker 4: To be honest, I probably now you're going to say
• 8:51
  Speaker 4: you didn't do it. No, No, I was going to say,
• 8:53
  Speaker 4: I may maybe even drink more on the weekend.
• 8:55
  Speaker 2: You like, even more on the weekend. That was just
• 8:57
  Speaker 2: like corporate coffees exactly.
• 9:00
  Speaker 4: I'm very, very modest when I'm in the office, but
• 9:03
  Speaker 4: when it's the weekend, I'm having five or six.
• 9:07
  Speaker 2: Oh my gosh, how do we function if you don't
• 9:10
  Speaker 2: have coffee? No, it doesn't really hit me that much.
• 9:13
  Speaker 2: I'm like a two coffee wonder. Like, if I've had
• 9:16
  Speaker 2: two coffees, I'm picking off the walls and usually I
• 9:19
  Speaker 2: am already. But like if you offer me another coffee,
• 9:22
  Speaker 2: I have to be like no, because I'll start shaking.
• 9:24
  Speaker 4: Oh you're one of those people that kind of tea
• 9:25
  Speaker 4: after two PM or something.
• 9:27
  Speaker 2: Oh no, I can have tea. I can have so
• 9:29
  Speaker 2: many tea's, but I definitely can't have more coffees. Right, Okay, gotcha,
• 9:33
  Speaker 2: gotcha coffee inside Tira massue. Different story though, of course, Yeah,
• 9:36
  Speaker 2: of course that's very different. All right, I have one
• 9:38
  Speaker 2: more money win to share with you. This one is
• 9:40
  Speaker 2: from Amy and you know what, fifty six people liked
• 9:43
  Speaker 2: this money in. Oh it's a bit long, so sit down.
• 9:47
  Speaker 2: So she says, money in used what was in the pantry,
• 9:49
  Speaker 2: and our grocery shop only cost us seventy five dollars
• 9:52
  Speaker 2: last week, half the normal budget, including all the fun
• 9:55
  Speaker 2: things we bought because it was a small shop. She says, Also,
• 9:59
  Speaker 2: I want to share not my money in, but I
• 10:02
  Speaker 2: also hear pressure to friend's husband into creating a savings
• 10:05
  Speaker 2: account this weekend. He has tens of thousands of dollars
• 10:08
  Speaker 2: just sitting in his transaction account. He moved pretty quick
• 10:11
  Speaker 2: once I told him how much interest we were making
• 10:13
  Speaker 2: with the same bank. I won't hear pressure my friends
• 10:16
  Speaker 2: into drinking or taking drugs, but you best believe I
• 10:19
  Speaker 2: will be peer pressuring them into a better financial situation.
• 10:22
  Speaker 2: Sounds like a very good friend. What a queen. I
• 10:24
  Speaker 2: love queen. I love that. I feel like that's me
• 10:26
  Speaker 2: on the weekends. Like me offline, I'm always like, what
• 10:29
  Speaker 2: are you doing with that money? Where you're gonna where
• 10:31
  Speaker 2: you're gonna put him? How do I help you? Do
• 10:32
  Speaker 2: you want to do a budget together? Do you want
• 10:33
  Speaker 2: to hang out and sit down and do a budget?
• 10:35
  Speaker 2: And you're like, do you really want.
• 10:36
  Speaker 6: To do that?
• 10:37
  Speaker 4: Yes, that's true. If anyone listening, if you're wondering what
• 10:41
  Speaker 4: V's like off Mike, it.
• 10:42
  Speaker 2: Is exactly the same about budgeting. She is exactly the same.
• 10:47
  Speaker 4: And sometimes I might be like, let's go watch a movie,
• 10:49
  Speaker 4: but maybe you instead want the budget.
• 10:52
  Speaker 2: Yeah, exactly, exactly. Only financial movie is Please Street financial documentary?
• 10:56
  Speaker 2: So financial documentary?
• 10:57
  Speaker 3: Yeah?
• 10:58
  Speaker 2: All right, all right, right, let's move on, because I
• 11:00
  Speaker 2: have heard that there's a banana involved in your broke tips,
• 11:02
  Speaker 2: and I just cannot work out how or why? So
• 11:06
  Speaker 2: could you please elaborate, my friend, what if you got
• 11:08
  Speaker 2: this week?
• 11:08
  Speaker 4: Of course this would have looked so funny because our
• 11:10
  Speaker 4: producer kindly printed this off for me today. She definitely
• 11:13
  Speaker 4: didn't print all of the doodles all over that piece
• 11:16
  Speaker 4: of paper.
• 11:17
  Speaker 2: You've absolutely ruined it for everyone listening. I don't know.
• 11:20
  Speaker 2: Once I have a pen in hand, I can't help myself,
• 11:22
  Speaker 2: but I must. Yeah, we had to take it off
• 11:24
  Speaker 2: you a couple of weeks ago because you had a
• 11:25
  Speaker 2: permanent markroo and you were drawing on the table.
• 11:28
  Speaker 4: But also, when you say doodles, it's not doodles. It's
• 11:31
  Speaker 4: the old school version of a doodle, which is just
• 11:32
  Speaker 4: literally drawing silly things went there except oh okay, maybe
• 11:36
  Speaker 4: literally just me ilsing him. There's not a single doodle
• 11:39
  Speaker 4: on this paper.
• 11:40
  Speaker 2: There are That whole paper is coveting doodles. Sorry, moving along,
• 11:46
  Speaker 2: Moving along, okay.
• 11:48
  Speaker 4: So v my broke tips for this week, I as
• 11:51
  Speaker 4: always have two from the community and one from myself.
• 11:54
  Speaker 4: I will start with cat. Cat sent me a broke tip.
• 11:58
  Speaker 4: She said, if you downward Woolys app and go to
• 12:01
  Speaker 4: the half price section and you only eat what is
• 12:03
  Speaker 4: half priced that week, you'll save a lot of money.
• 12:05
  Speaker 2: Wait, so you're saying there's a whole section, whole section,
• 12:08
  Speaker 2: so I don't have to like flick through catalogs or
• 12:10
  Speaker 2: like go through the aisles. If the supermarket work out
• 12:12
  Speaker 2: what's half rice? The app tell you exactly. She's a genius.
• 12:16
  Speaker 2: Thanks for that cat Yes, isn't it?
• 12:18
  Speaker 4: And to extend on that, she says that she works
• 12:20
  Speaker 4: at Woolies only on a Sunday morning, stay at her
• 12:22
  Speaker 4: mum life so that she can keep her employee discounts,
• 12:25
  Speaker 4: which is a great idea I guess doesn't maybe work
• 12:28
  Speaker 4: for the general population, but also Sunday right at Sunday rates.
• 12:31
  Speaker 4: She also says Woolies is fifteen dollars unlimited delivery a month.
• 12:35
  Speaker 4: It costs about that much to drive to and from
• 12:37
  Speaker 4: there every week because she lives about ten kilometers from
• 12:40
  Speaker 4: a supermarket on the Sunshine Coast.
• 12:42
  Speaker 2: Well, if it's fifteen bucks unlimited for a month, how
• 12:45
  Speaker 2: many times do you go to the supermarket each month?
• 12:47
  Speaker 1: Oh?
• 12:47
  Speaker 2: Yeah, true?
• 12:48
  Speaker 4: Maybe like me, maybe two or three times a month.
• 12:51
  Speaker 4: But I think I feel like a lot of people
• 12:52
  Speaker 4: would go more often.
• 12:53
  Speaker 2: Yeah, but like even if you're going two or three times.
• 12:55
  Speaker 2: Like if you do public transport, what's a mikey these days,
• 12:57
  Speaker 2: like five bucks? Yeah, so that already covers your three trips. True,
• 13:02
  Speaker 2: like car car insurance, petrol is so expensive fifteen bucks.
• 13:06
  Speaker 2: And also what if you can just if it's unlimited,
• 13:08
  Speaker 2: you could just jump online and be like I actually
• 13:11
  Speaker 2: do want to top up with bread and milk and
• 13:12
  Speaker 2: just the basics to come on Friday, and like it's
• 13:15
  Speaker 2: not gonna cost you any more than what the bread
• 13:17
  Speaker 2: and milk is gonna be. Yeah, that's so true. It's
• 13:19
  Speaker 2: a bit of a money wins. It is a great idea.
• 13:21
  Speaker 2: I like that turn out, and if.
• 13:23
  Speaker 4: Someone packs it for you and delivers to your do
• 13:26
  Speaker 4: you don't have to do that thing where you're carrying
• 13:27
  Speaker 4: like seven bags of grocery.
• 13:29
  Speaker 2: That's what I do, because you best believe I'm doing
• 13:32
  Speaker 2: two trips. I'm not gone back. Sometimes I just leave
• 13:35
  Speaker 2: stuff in my car for like an extended period of
• 13:37
  Speaker 2: time because I'm like, well, I guess it lives there now.
• 13:39
  Speaker 2: Me too.
• 13:40
  Speaker 4: If it's not a perishable lives there now. It's gonna
• 13:43
  Speaker 4: stay in my car until all of eternity.
• 13:45
  Speaker 2: It's additional storage for my house. Yeah, it's like a ship.
• 13:48
  Speaker 4: Exactly back of the car is a shd. All right,
• 13:51
  Speaker 4: what else have you got for me? Okay, so this
• 13:52
  Speaker 4: one's from Caitlin. He sent me a video of a Basically,
• 13:56
  Speaker 4: it's a frugal man who peels bananas before weighing them
• 13:59
  Speaker 4: to say money.
• 14:00
  Speaker 2: No, he doesn't. I think it's so clever. What you
• 14:03
  Speaker 2: think that's clever?
• 14:04
  Speaker 4: Yeah, I mean, like if our producer said it's probably
• 14:06
  Speaker 4: not legal, which fair enough, Sure, I.
• 14:08
  Speaker 2: Don't think it's legal either, But like, also there's stingy.
• 14:12
  Speaker 2: Then there's like real stingchy. It's like have you seen
• 14:14
  Speaker 2: that frugal show, think it's on Netflix where that woman
• 14:17
  Speaker 2: cooks her lazonia in the dishwasher.
• 14:19
  Speaker 4: Oh, I've seen this in like salmon in foil in
• 14:22
  Speaker 4: the dish washer.
• 14:23
  Speaker 6: Yeah.
• 14:23
  Speaker 2: And also there was that guy. I don't know. If
• 14:26
  Speaker 2: it's involving money, I've watched it. If it's on Netflix.
• 14:30
  Speaker 2: If it has anything to do with money, I've watched it.
• 14:32
  Speaker 2: That guy. They have a spa out the back, but
• 14:35
  Speaker 2: to justify the cost of the spa, they don't bath
• 14:39
  Speaker 2: or shower. They just go in the spa and they
• 14:40
  Speaker 2: also do all their washing in there. Oh no, yeah,
• 14:43
  Speaker 2: I can see you make a tea in there. Absolute
• 14:48
  Speaker 2: absolutely not. I can't. I can't. Then there was like
• 14:50
  Speaker 2: some dude who had heaps of money but lived in
• 14:53
  Speaker 2: a house with absolutely no furniture, because he's like, why
• 14:56
  Speaker 2: waste money on furniture when I can sit on the floor,
• 14:58
  Speaker 2: And I'm like, it's a good point. It's yeah, that's
• 15:02
  Speaker 2: a good point. Oh my gosh.
• 15:03
  Speaker 4: This is unrelated and it's definitely not a money win.
• 15:06
  Speaker 4: But the other day I couldn't be bothered going downstairs
• 15:08
  Speaker 4: to make a tea, so I got my bottle of water,
• 15:10
  Speaker 4: cold bottle of water, put it in a cup, and
• 15:12
  Speaker 4: I used coffee cup and had a tea bag that
• 15:14
  Speaker 4: was just sitting room and heated it by the radiant heater.
• 15:19
  Speaker 2: You do that the second you get to work, though,
• 15:21
  Speaker 2: you're like four coffee is a day.
• 15:23
  Speaker 4: Yeah, yeah, yeah, bro I decided and all this energy
• 15:25
  Speaker 4: comes over me and I can go downstairs and get
• 15:28
  Speaker 4: a coffee.
• 15:28
  Speaker 2: Those are our broke tips from our community in our
• 15:31
  Speaker 2: community love.
• 15:32
  Speaker 4: And actually I don't know if this is legal, but
• 15:33
  Speaker 4: if you take the stem off broccoli, this is legal.
• 15:37
  Speaker 6: I shouldn't.
• 15:37
  Speaker 2: I shouldn't.
• 15:38
  Speaker 4: Perhaps I should not be saying it if. I don't know,
• 15:40
  Speaker 4: but if you take the stem off broccoli, that could
• 15:42
  Speaker 4: be cheaper. I'm not sure if it's bag.
• 15:44
  Speaker 2: Is that you're broke tea allowed, I don't know, it's not.
• 15:46
  Speaker 2: That's not yours. That's just like off of chickens broke tip,
• 15:50
  Speaker 2: you know what. I just feel like the stem is
• 15:54
  Speaker 2: the best bit, so I get rid of it. Oh yeah,
• 15:55
  Speaker 2: that makes sense in stir fries and stuff. I really
• 15:58
  Speaker 2: like it. That's because I'm a bit weird. I cut
• 16:02
  Speaker 2: it up and eat it while I'm cooking. Oh okay,
• 16:05
  Speaker 2: I might try that. As I said, I'm a bit weird,
• 16:07
  Speaker 2: but not weird. I want to know what's your broke tip?
• 16:10
  Speaker 4: Yes, okay, so my broke tip for this week. I
• 16:12
  Speaker 4: guess it's like, you know, it's a little bit of work,
• 16:15
  Speaker 4: but if.
• 16:15
  Speaker 2: You have the time. Bit of work, if you have
• 16:17
  Speaker 2: the energy is the woman who made tea in her
• 16:20
  Speaker 2: bedroom with an old tea.
• 16:22
  Speaker 4: Bag exactly exactly. It's it's slightly less work than that.
• 16:25
  Speaker 4: But I would say for myself personally, if I'm paying
• 16:28
  Speaker 4: for a lot of things in a particular month or whatever,
• 16:30
  Speaker 4: your pay cycle is fortnightly, whatever, if I know, if
• 16:33
  Speaker 4: I predict that I'm going to run out of money quickly,
• 16:35
  Speaker 4: and i have a few bills coming up, and I'm
• 16:37
  Speaker 4: feeling super stressed out spending what I used.
• 16:40
  Speaker 2: To time at the cafe.
• 16:41
  Speaker 4: Yeah, exactly what I used to do is I would
• 16:43
  Speaker 4: just not pay the bills and then have people chasing
• 16:46
  Speaker 4: me and feel extremely anxious and terrible idea. It's a
• 16:49
  Speaker 4: really bad idea. But honestly, what I have noticed in
• 16:52
  Speaker 4: my adult life, and that's from twenty eight onward. If
• 16:55
  Speaker 4: you call up places, let's say Linked for example, I
• 16:58
  Speaker 4: always I'm always paying for tolls, you'll gas and electricity, if
• 17:02
  Speaker 4: you have payments going on, I used to use hum
• 17:05
  Speaker 4: anything like that. If you call them up, explain a situation.
• 17:07
  Speaker 4: You can even do it on that little chatbot thing.
• 17:09
  Speaker 4: As you were saying before, you will be able to
• 17:12
  Speaker 4: either have an extension on a due date or you'll
• 17:15
  Speaker 4: be able to pay things off in smaller amounts.
• 17:18
  Speaker 2: Just so good. Just try and put in the time
• 17:21
  Speaker 2: set aside some time.
• 17:23
  Speaker 4: If you're stressed about money, if you're stressed about bills
• 17:25
  Speaker 4: that are coming out, about it, talk about it because people,
• 17:28
  Speaker 4: I'm sure companies would way rather you say I'm going
• 17:31
  Speaker 4: to pay on this date or maybe at than just
• 17:34
  Speaker 4: like literally ghost and then they have to chase you.
• 17:37
  Speaker 2: You know of them have hardship policies as well. Yes,
• 17:39
  Speaker 2: so you reach out and be like, hey, I'm going
• 17:41
  Speaker 2: through a bit of a rough patch. Often they'll be like, oh, Beck,
• 17:44
  Speaker 2: we totally.
• 17:44
  Speaker 4: Get it, exactly, here's some relief exactly. And they don't
• 17:47
  Speaker 4: make you feel silly about it. You should not feel
• 17:50
  Speaker 4: embarrassed about it.
• 17:51
  Speaker 2: It's all good. Just consider that if you're going through
• 17:55
  Speaker 2: a tough time and you have a lot of bills coming.
• 17:57
  Speaker 6: I love it.
• 17:57
  Speaker 2: So smart and a good reminder, especially right now now. Yes,
• 18:00
  Speaker 2: all right, let's go to a really quick break on
• 18:02
  Speaker 2: the flip side. We're going to be talking about what
• 18:04
  Speaker 2: to prioritize when returning from maternity leave and the icky
• 18:08
  Speaker 2: question of what do you do when your housemate lets
• 18:10
  Speaker 2: their friends sleep in your bed when you're not there.
• 18:12
  Speaker 2: Don't go anywhere, guys, Welcome back everyone. Let's have a
• 18:19
  Speaker 2: listen to our money dilemma. Hi, there, have you got
• 18:24
  Speaker 2: a money dilemma you just can't solve? The Sheese on
• 18:26
  Speaker 2: the Money Team is here to help. Every week we
• 18:29
  Speaker 2: tackle your dilemmas both big and small to answer your
• 18:32
  Speaker 2: most burning money, career and life questions. To get involved,
• 18:35
  Speaker 2: simply head to our website and leave us a short
• 18:38
  Speaker 2: voice recording and you might just find yourself on the show. Now,
• 18:41
  Speaker 2: let's take a listen to this week's money dilemma.
• 18:47
  Speaker 6: Okay, a dilemma.
• 18:48
  Speaker 3: I'm set to return back to work after my unpaid
• 18:51
  Speaker 3: maternity leave next month. However, I was severely underpaid and
• 18:55
  Speaker 3: only took that role because I was desperate.
• 18:58
  Speaker 6: At the time. But all so, I simply just don't
• 19:01
  Speaker 6: want to leave my son.
• 19:03
  Speaker 3: I have been researching and wanting to start my own business,
• 19:07
  Speaker 3: which will cost me thirty five thousand dollars.
• 19:09
  Speaker 4: To start.
• 19:10
  Speaker 3: This business is something I am passionate about, but will
• 19:13
  Speaker 3: also allow me to stay at home with my son.
• 19:15
  Speaker 3: I have a twenty five thousand dollar car loan which
• 19:19
  Speaker 3: I pay five hundred dollars a month for, and I
• 19:22
  Speaker 3: also only have forty thousand dollars in savings. My partner
• 19:25
  Speaker 3: and I are also looking to buy a place.
• 19:27
  Speaker 6: In the next two months with our money. But what
• 19:30
  Speaker 6: do I do with money?
• 19:31
  Speaker 2: Do I do with mine?
• 19:32
  Speaker 6: Yeah?
• 19:32
  Speaker 2: I think mine all right?
• 19:34
  Speaker 1: Back?
• 19:34
  Speaker 2: What did you do when you returned from Mattleeth.
• 19:36
  Speaker 4: What it did was I forgot that I had a baby.
• 19:43
  Speaker 4: When I was listening to this, I was seeing you
• 19:45
  Speaker 4: write things down, and I was really trying to think
• 19:48
  Speaker 4: of something because I obviously this is very unrelatable to me.
• 19:51
  Speaker 2: I'm so sorry. My advice is be kind to yourself
• 19:54
  Speaker 2: and haven't I stay and you lets it be thy fruit,
• 20:00
  Speaker 2: the fruits. I love that I did write a few notes.
• 20:03
  Speaker 2: I think this is such a sticky situation that a
• 20:06
  Speaker 2: lot of new parents find themselves in.
• 20:09
  Speaker 1: Right.
• 20:09
  Speaker 2: Lots of people go on matt leave with every intention
• 20:12
  Speaker 2: of returning, but don't know what it's like having a baby,
• 20:15
  Speaker 2: and then once they do have a baby, they're like,
• 20:17
  Speaker 2: I don't want to leave, like this is great, or
• 20:19
  Speaker 2: I'm really enjoying my time off, or I want more.
• 20:22
  Speaker 2: What I'm hearing from the start is I think there's
• 20:25
  Speaker 2: two parts to this. Right, so you don't want to
• 20:29
  Speaker 2: return to work, but you were very clear that you
• 20:31
  Speaker 2: were severely underpaid in your current job. So it's quite
• 20:36
  Speaker 2: clear that you don't feel respected, I would say, in
• 20:39
  Speaker 2: that role and don't want to return to that. Whether
• 20:42
  Speaker 2: you start a business or not, I think is a
• 20:43
  Speaker 2: different conversation. But what you're saying, let's pretend you didn't
• 20:47
  Speaker 2: say that you want to start a business. What you're
• 20:50
  Speaker 2: saying is these people don't respect you, they're underpaying you,
• 20:53
  Speaker 2: and if you return to work, you probably need a
• 20:56
  Speaker 2: new job. So that's all well and good. I would
• 21:00
  Speaker 2: be having a pragmatic think about, Okay, well, if I
• 21:02
  Speaker 2: don't return to that particular job, what are my options?
• 21:05
  Speaker 2: Obviously a business is one of them. I think businesses
• 21:09
  Speaker 2: are fantastic, as somebody who owns one. I adore the freedom.
• 21:13
  Speaker 2: But it's also not that free, right, So maybe it's
• 21:17
  Speaker 2: a bit risky. Especially it could be really risky. It
• 21:19
  Speaker 2: depends what it is. I always get, Beck, I get
• 21:22
  Speaker 2: so nervous when people say, I know my business startup
• 21:25
  Speaker 2: costs are going to be thirty five thousand dollars, Like
• 21:27
  Speaker 2: I don't have nearly enough context. Like I don't know
• 21:29
  Speaker 2: if you've gone and you know, created this big, beautiful
• 21:32
  Speaker 2: spreadsheet and actually fully comprehend what it's going to cost, right,
• 21:36
  Speaker 2: or has some multi level marketing company come along and said, hey, Beck,
• 21:40
  Speaker 2: you can get started for thirty five grand I don't
• 21:42
  Speaker 2: know if this is a good idea or not. Yeah,
• 21:44
  Speaker 2: I can't tell you if starting a business is I
• 21:46
  Speaker 2: don't even know what it is. What I can tell
• 21:49
  Speaker 2: you is it's a lot more work than you think
• 21:51
  Speaker 2: it is. And even if it enables you to be
• 21:52
  Speaker 2: home with your son, that does not necessarily mean that
• 21:55
  Speaker 2: you're home present with your son, true, and it could
• 21:59
  Speaker 2: weigh a lot heavier on you. It's something that I
• 22:02
  Speaker 2: think about a lot, because I would love to start
• 22:04
  Speaker 2: a family soon. But I also know that something's going
• 22:08
  Speaker 2: to have to give for me to be a present
• 22:10
  Speaker 2: parent rather than just one that's not there. And you know,
• 22:14
  Speaker 2: I look at my friends, who you know, just have
• 22:16
  Speaker 2: salary and wage journing jobs, and a few of them
• 22:18
  Speaker 2: have returned part time, and I'm like, how cool would
• 22:21
  Speaker 2: it be? And this is me not complaining. I adore
• 22:24
  Speaker 2: the situation I'm in. How cool would it be to
• 22:27
  Speaker 2: have a baby at home, go to work for my
• 22:29
  Speaker 2: part time hours, come home and have not one thing
• 22:31
  Speaker 2: to worry about. Yes, you don't have to worry about payroll,
• 22:34
  Speaker 2: you don't have to worry about tax. You're not doing
• 22:37
  Speaker 2: bass till all hours of the night. You're not you know,
• 22:39
  Speaker 2: doing your bookkeeping or being stressed about paying creditors, Like,
• 22:43
  Speaker 2: there's so much benefit being a salary and wage earning
• 22:47
  Speaker 2: employee that I just look at it and go, I
• 22:50
  Speaker 2: get it. But we need to see both sides of
• 22:52
  Speaker 2: the coin. I know being present for your son makes sense,
• 22:55
  Speaker 2: but that the crux of it. What I'm hearing is
• 22:57
  Speaker 2: you need to make an income. Yeah, so that outcome great,
• 23:01
  Speaker 2: How are you going to do that in a way
• 23:03
  Speaker 2: where you're still as present as you want to be
• 23:06
  Speaker 2: Because being home is one thing, but being a present
• 23:09
  Speaker 2: parent is another. And I think that those things need
• 23:12
  Speaker 2: to come into consideration when thinking about having a family
• 23:15
  Speaker 2: and thinking about, you know, what your post maternity leave
• 23:18
  Speaker 2: life looks like, because right now I'm assuming these are
• 23:22
  Speaker 2: all assumptions. Back, Yeah, you said you're on unpaid maternity leave.
• 23:26
  Speaker 2: You don't have any responsibilities. Your responsibility is, you know,
• 23:29
  Speaker 2: bringing up your child. They've got one hundred percent of
• 23:31
  Speaker 2: your undivided attention. Starting a business is hard. The first
• 23:36
  Speaker 2: five years are hard. Like this stuff is not easy,
• 23:39
  Speaker 2: and I'm not trying to talk you out of it.
• 23:40
  Speaker 2: I just want a balanced argument of Hey, is that
• 23:44
  Speaker 2: actually the right decision for right now? I know lots
• 23:47
  Speaker 2: of people who have started business as while on matt
• 23:50
  Speaker 2: leave or with new babies, and they've been so successful
• 23:52
  Speaker 2: and like it's the best decision they've ever made. But
• 23:55
  Speaker 2: I think that there is a lot of benefit in
• 23:57
  Speaker 2: stepping back and going like, all right, well, if you
• 23:59
  Speaker 2: want to out of business, that's fantastic, But like, what
• 24:02
  Speaker 2: are your motivations to do so? Because, as I said before,
• 24:05
  Speaker 2: this is personal opinion, there's a difference between being present
• 24:09
  Speaker 2: and being present. Yes, that makes sense, y so completely
• 24:12
  Speaker 2: makes sense. That would be my I guess take Obviously
• 24:16
  Speaker 2: you've got a car loan and you've got some savings.
• 24:19
  Speaker 2: I'd be looking at options to fund the business. Say
• 24:22
  Speaker 2: you go down that route and you need to, you know,
• 24:26
  Speaker 2: do the startup costs. There are a lot of costs
• 24:28
  Speaker 2: that you can't get away with, like you have to
• 24:30
  Speaker 2: pay immediately. Yeah, but what's this thirty five thousand dollars
• 24:33
  Speaker 2: made up of? Like can you break it down? Like
• 24:36
  Speaker 2: have you looked at other quotes? Let's say you've got
• 24:39
  Speaker 2: a quote for marketing and branding and it was like
• 24:41
  Speaker 2: sixteen thousand dollars, Like, have you gotten a few other quotes?
• 24:44
  Speaker 2: Is that actually the best use of your money? You
• 24:46
  Speaker 2: know what parts of this could you do yourself, because
• 24:49
  Speaker 2: they think that getting a business off the ground is
• 24:51
  Speaker 2: one thing, and then rebranding it so it thrives is another.
• 24:55
  Speaker 2: So I just think, how can we strip that thirty
• 24:58
  Speaker 2: five thousand dollars back to the absolute bare minimum so
• 25:01
  Speaker 2: that you can kind of go through that viability period
• 25:03
  Speaker 2: and go, am I actually going to do this? Is
• 25:06
  Speaker 2: this actually going to work for the least amount of money?
• 25:09
  Speaker 2: And then go from there. The other thing, if you're
• 25:11
  Speaker 2: saying we're planning on buying a house in a couple
• 25:13
  Speaker 2: of weeks, I can almost guarantee that if you're working
• 25:16
  Speaker 2: with a broker, that forty thousand dollars that you have
• 25:18
  Speaker 2: in savings right now has been taken into consideration as
• 25:22
  Speaker 2: an asset, and if you disposed of it, it would
• 25:24
  Speaker 2: change how much the bank wants to lend you. So
• 25:27
  Speaker 2: just be really careful and talk to a broker before
• 25:29
  Speaker 2: you make a decision. I know a couple at Zella Money. Yes,
• 25:33
  Speaker 2: you might know a couple. They're pretty good. Their boss
• 25:36
  Speaker 2: is really nice. Fair ha. What's the boss's name again? Oh,
• 25:40
  Speaker 2: don't even worry about it, it's not important, all right.
• 25:42
  Speaker 2: Let's move on to the spicy conversation. Is it spicy?
• 25:46
  Speaker 4: I don't know if it's spicy or just gives me
• 25:47
  Speaker 4: the I think it might be because I've got a
• 25:50
  Speaker 4: story and maybe you've probably got a story.
• 25:51
  Speaker 2: That's oh my gosh, I had the exact same story,
• 25:54
  Speaker 2: and it's this is I guess why it gives me
• 25:56
  Speaker 2: the hebgb's that makes me go, oh, don't do that.
• 25:59
  Speaker 2: I love it. Are you ready? I'm ready, I'm so ready.
• 26:01
  Speaker 2: All right here it is. This is what slid into
• 26:03
  Speaker 2: our DMS this week. Hey, ladies could really use some advice.
• 26:08
  Speaker 2: I've been traveling overseas for two months. Whilst I was away,
• 26:11
  Speaker 2: I continued to pay my rent and bills towards the house.
• 26:14
  Speaker 2: I recently got home to find out that my two
• 26:17
  Speaker 2: housemates essentially let their friends crash at our place when
• 26:20
  Speaker 2: I was away. Whilst they didn't quote move in, they
• 26:24
  Speaker 2: were sleeping at our place in my bedroom at a
• 26:27
  Speaker 2: minimum of three times a week, use the hot water,
• 26:30
  Speaker 2: use the electricity, and basically were me. I'm so annoyed
• 26:34
  Speaker 2: by this. I lowkey feel that this person should have
• 26:37
  Speaker 2: been paying my rent if they wanted to use my room,
• 26:40
  Speaker 2: or even just some of the bills if they were
• 26:42
  Speaker 2: sleeping in my bed multiple times a week. My housemates
• 26:46
  Speaker 2: naively think that they did nothing wrong and that it's
• 26:48
  Speaker 2: okay because they washed my sheets and cleaned my room,
• 26:51
  Speaker 2: So what's the big deal? They say that the person
• 26:54
  Speaker 2: was hanging out on the weekend and it got late,
• 26:57
  Speaker 2: so they just crashed there a few times. Do you
• 26:59
  Speaker 2: think I have a right to ask for some rent
• 27:02
  Speaker 2: or build money back or do I just drop it?
• 27:04
  Speaker 2: What do you think I should do? No, that's not okay.
• 27:07
  Speaker 2: So yeah, it's very much.
• 27:09
  Speaker 4: You know, I think even if you're the chillest, chilliest,
• 27:12
  Speaker 4: chillest person in the world, you don't mind if people
• 27:14
  Speaker 4: go into your room. It's still a little bit weird
• 27:17
  Speaker 4: when someone that you don't know is sleep in your bed.
• 27:19
  Speaker 2: Stranger.
• 27:19
  Speaker 4: Maybe they're friends, I get it, but like ask first, because.
• 27:23
  Speaker 2: I reckon if they were friends, Beck, the friend would
• 27:25
  Speaker 2: have met. Like if I was going to your house
• 27:27
  Speaker 2: to hang out with your housemates and you were traveling
• 27:29
  Speaker 2: and they were like, oh, just stay, I'd message you
• 27:32
  Speaker 2: and be like, hey, Beck, like is it all right
• 27:34
  Speaker 2: if I sleep in your room? And you'd be like, yeah,
• 27:35
  Speaker 2: that's fine because I know you. Whatever, But it's such
• 27:38
  Speaker 2: a different story when you don't know them. I had
• 27:41
  Speaker 2: you said before that you've had this happen in so
• 27:43
  Speaker 2: of eye, When did it happen to you?
• 27:44
  Speaker 4: Okay, so it didn't happen to me personally, and everyone
• 27:48
  Speaker 4: listening you.
• 27:48
  Speaker 2: Do it to somebody else. I would never. But there
• 27:52
  Speaker 2: was one person who I used to live with who
• 27:56
  Speaker 2: let their parents their mom stay in a room that
• 28:01
  Speaker 2: was vacant because our other housemate was like traveling but still.
• 28:06
  Speaker 6: Was still her room.
• 28:07
  Speaker 2: All their stuff was like in the stuff.
• 28:09
  Speaker 6: Was in there.
• 28:09
  Speaker 4: They didn't sleeping in there. I think even something broken
• 28:13
  Speaker 4: there at some point. And then when that housemate got back,
• 28:16
  Speaker 4: the person who let.
• 28:17
  Speaker 2: Their parents day said.
• 28:19
  Speaker 4: Oh, I just thought you were more chill than that,
• 28:22
  Speaker 4: Like I thought you'd be more like chill and like cool,
• 28:25
  Speaker 4: and like didn't at all say I'm so sorry, like
• 28:27
  Speaker 4: I probably should have fast or I'm so sorry this
• 28:29
  Speaker 4: I overstepped the boundary.
• 28:30
  Speaker 2: It was like, you are weird for not wanting this,
• 28:32
  Speaker 2: and it was so yes, oh my god.
• 28:36
  Speaker 4: I had no one ever listens to this because they
• 28:38
  Speaker 4: will know exactly who they are.
• 28:41
  Speaker 2: That happened to me too, the very first time I
• 28:44
  Speaker 2: moved out of home. I lived in a share house
• 28:47
  Speaker 2: with my at the time partner and two other housemates.
• 28:50
  Speaker 2: They had the downstairs bedrooms. We had an upstairs bedroom
• 28:53
  Speaker 2: that we shared. And at the time, because it was
• 28:55
  Speaker 2: like first time moving out, I would go home on
• 28:57
  Speaker 2: the weekends, as would my partner because I still worked
• 29:00
  Speaker 2: weekends like in retail and in hospitality back down the peninsula,
• 29:04
  Speaker 2: right So on a like Friday avot, I'd head back
• 29:07
  Speaker 2: down and sometimes I wouldn't even come back, depending on
• 29:09
  Speaker 2: when UNI was until like a Monday night or something.
• 29:12
  Speaker 2: So I'd just like spend time with my parents. And
• 29:14
  Speaker 2: I had no idea this had been going on for
• 29:16
  Speaker 2: like six months. My housemate downstairs had decided, well, it's
• 29:21
  Speaker 2: a free room over the weekend. She'd just let her
• 29:23
  Speaker 2: friends stay. No when they went out on like a
• 29:26
  Speaker 2: Saturday night or a Friday night, because I wasn't there, no,
• 29:30
  Speaker 2: and like I hadn't noticed. I feel like some things
• 29:33
  Speaker 2: were there, But you know when you live with a partner,
• 29:35
  Speaker 2: like maybe he moved to the pillows, like you just
• 29:38
  Speaker 2: don't think about it twice, Like it's not like it
• 29:40
  Speaker 2: was my own room where if I put something down
• 29:42
  Speaker 2: it shouldn't have moved, Like, you know, if I had
• 29:45
  Speaker 2: a tea cup beside the bed, maybe I my partner
• 29:48
  Speaker 2: put in a dishwasher or vice versa. Maybe the tea
• 29:50
  Speaker 2: cup beside the bed was from my partner, didn't think
• 29:53
  Speaker 2: it turns out no housemate, which I've told you about. Ah,
• 29:58
  Speaker 2: this one Steeler. Yep, she stole my underwear and also
• 30:03
  Speaker 2: shout out to her. She's the one that emptied my
• 30:05
  Speaker 2: freezer for me when I was eating it. Yeah, so yeah,
• 30:09
  Speaker 2: she was a delight to live with. Whoever lives with
• 30:11
  Speaker 2: her now, best of luck, maybe you'll devera bee in
• 30:13
  Speaker 2: your favor. But yeah, it was a very awkward experience
• 30:16
  Speaker 2: because they didn't even wash the sheets back. They would
• 30:20
  Speaker 2: just like crash in my bed when they came home
• 30:23
  Speaker 2: at three am and obviously leave the next morning, like
• 30:26
  Speaker 2: straighten up the sheets and call it a own file. Yeah,
• 30:30
  Speaker 2: so it'sorry not okay. I feel like it was an
• 30:33
  Speaker 2: invasion of my privacy. Yeah, totally. It just feels weird. Yeah,
• 30:38
  Speaker 2: it feels weird. All my stuff's in there, Like if
• 30:40
  Speaker 2: you open my bedside drawer, you might find my stash
• 30:42
  Speaker 2: of sour lullies, you know, like I just you will
• 30:45
  Speaker 2: find much worse in my room.
• 30:47
  Speaker 4: Yeah, you'll find a vape, find many many vapes, but.
• 30:51
  Speaker 2: It's one of those things that you just like, I
• 30:54
  Speaker 2: don't feel that comfortable with sure people coming in my space,
• 30:57
  Speaker 2: especially when it's unplanned, because like, I don't know about you, Beck,
• 31:01
  Speaker 2: but if you were coming to stay at my house
• 31:03
  Speaker 2: and you were going to like sleep in my bed
• 31:06
  Speaker 2: because I wasn't there, I'd like change the sheets for you.
• 31:09
  Speaker 2: I would like, you know, probably tidy it up a bit,
• 31:11
  Speaker 2: like move some stuff around the beds I take. Do
• 31:13
  Speaker 2: you know what I mean? Make me me more comfortable
• 31:15
  Speaker 2: that you're coming into my space? Totally a bit weird.
• 31:18
  Speaker 4: Yeah, it feels weird, But the real question is it's
• 31:21
  Speaker 4: weird or not. Basically, your feelings are valid.
• 31:23
  Speaker 2: This is very I don't that your housemate's gas like
• 31:25
  Speaker 2: exactly right. So the real question was do you think
• 31:29
  Speaker 2: I have a right to ask for some rent or
• 31:31
  Speaker 2: build money back or do I just drop it back?
• 31:34
  Speaker 4: You have every right, But would I try to do that?
• 31:38
  Speaker 2: I wouldn't.
• 31:39
  Speaker 4: I guess I would be like I already feel like
• 31:41
  Speaker 4: an outsider, unless you're you're thinking of leaving anyway because
• 31:44
  Speaker 4: of what's happened. If you are, then like, sure, maybe
• 31:47
  Speaker 4: give it a go. But if you're not and your
• 31:49
  Speaker 4: plan on staying there, it's already kind of like ah,
• 31:52
  Speaker 4: these people, these two people against me, they don't think
• 31:56
  Speaker 4: they did the wrong thing. Yeah, Now I'm going to
• 31:58
  Speaker 4: also be asking for rent money in electricity and bill
• 32:01
  Speaker 4: or whatever.
• 32:01
  Speaker 2: So it's going to become a fight because that person
• 32:04
  Speaker 2: doesn't maybe hasn't even budgeted for that either. You're asking
• 32:07
  Speaker 2: for money that they haven't allocated. It's just a bit
• 32:09
  Speaker 2: of a mess from my perspectively. But does that mean
• 32:13
  Speaker 2: you drop it? No? No, No, I would be going
• 32:16
  Speaker 2: and setting some very clear boundaries that your room is
• 32:19
  Speaker 2: not a shared space and that it is yours. If
• 32:22
  Speaker 2: you want to be real dramatic, you who put a
• 32:24
  Speaker 2: lock on real room do it because it's so it's
• 32:28
  Speaker 2: a violation of your it's a violation.
• 32:29
  Speaker 4: And now you're in this uncomfortable situation where you have
• 32:32
  Speaker 4: to tell people very very basic, normal things. It's like
• 32:35
  Speaker 4: being like, I don't know, I can't think of a
• 32:37
  Speaker 4: single thing that would like why would you even have
• 32:40
  Speaker 4: to have this conversation?
• 32:40
  Speaker 2: But you do, like it's not their space to share,
• 32:43
  Speaker 2: that's not a shared space in the house. Like, if
• 32:46
  Speaker 2: you're away for the weekend, Beck, I can't just turn
• 32:49
  Speaker 2: up to your house because it's convenient to sleep there
• 32:52
  Speaker 2: without your permission and just go in, Like why would
• 32:54
  Speaker 2: that be in that circumstance. From my perspective, it's exactly
• 32:58
  Speaker 2: the same, Like that is my personal space that I
• 33:01
  Speaker 2: own and I pay for. You can't just walk in
• 33:04
  Speaker 2: there willing nelly. Same with your house. I can't just
• 33:07
  Speaker 2: walk into your house. What makes you think that you
• 33:09
  Speaker 2: can walk into my room in the same way when
• 33:12
  Speaker 2: you're a housemate. You're not my partner. Weird, weird, weird,
• 33:15
  Speaker 2: weird weird.
• 33:16
  Speaker 4: But not to say that you don't deserve that money,
• 33:18
  Speaker 4: because you do and you probably are owed it.
• 33:21
  Speaker 2: Yeah, we did ask the community what do they say?
• 33:24
  Speaker 2: We said, would you be upset if you were this person?
• 33:26
  Speaker 2: Eighty eight percent said yeah, I'd be very angry and
• 33:29
  Speaker 2: very disappointed. Twelve percent of you can't relate, you said,
• 33:34
  Speaker 2: wouldn't bother me that much? Couple of chillis must be nice.
• 33:37
  Speaker 2: The next question we asked was do you think this
• 33:40
  Speaker 2: person has the right to ask for some money back?
• 33:42
  Speaker 2: Seventy nine percent of people said yes, okay. We said,
• 33:46
  Speaker 2: if yes, who do you think should be paying them back?
• 33:51
  Speaker 2: Sixty five percent of you said the housemates. Yeah, I'm
• 33:54
  Speaker 2: not a friend because the friend. I don't know what
• 33:57
  Speaker 2: if the friend was told yeah, it's fine exactly, Beck
• 34:00
  Speaker 2: said it was fine, and then they're fine with that,
• 34:03
  Speaker 2: Yeah exactly. I would say it's not on them. Person
• 34:05
  Speaker 2: staying had no idea.
• 34:06
  Speaker 6: Yeah.
• 34:06
  Speaker 2: We then also asked you, what are your two cents?
• 34:09
  Speaker 2: We need to know because Beck and I were a
• 34:10
  Speaker 2: bit opinionated on this, so let's hopefully balance it out.
• 34:13
  Speaker 3: Yeah.
• 34:14
  Speaker 2: Someone said inconsiderate, selfish. Oh my goodness, I would never
• 34:19
  Speaker 2: use this. Someone said these people are not your friends.
• 34:23
  Speaker 2: See if you can move out. Someone said, more than
• 34:25
  Speaker 2: the money, it tells us that they don't respect your
• 34:27
  Speaker 2: space or your privacy. Yeah. Absolutely rank. Could they let
• 34:31
  Speaker 2: somebody else sleep in your bed with like fifteen exclamation points? Ah?
• 34:37
  Speaker 2: Someone says, honestly, it's the fact they used your room.
• 34:41
  Speaker 2: I'd feel like my personal space had been invaded. Someone
• 34:44
  Speaker 2: said it's not cool, but is it worth having a
• 34:46
  Speaker 2: rocky housemate relationship when you ask for money? Yes, which
• 34:50
  Speaker 2: I think is a very valid point. I think that's
• 34:52
  Speaker 2: where probably we are more so. Yeah, a lot of people,
• 34:55
  Speaker 2: you know, there's heaps of comments. Basically, they're like, they
• 34:58
  Speaker 2: absolutely should have asked, they should have you know, gone
• 35:00
  Speaker 2: above and beyond. There were lots of people saying, look,
• 35:03
  Speaker 2: I would be absolutely ropable, but i'd be ropable at
• 35:06
  Speaker 2: my housemate's not the person that stayed over. And yes,
• 35:09
  Speaker 2: someone said, well it was three nights a week or
• 35:12
  Speaker 2: was it a casual sleepover. It's a very fine line.
• 35:16
  Speaker 2: I still think it's a bit ick. But yes, I
• 35:19
  Speaker 2: don't know about you, but I do feel a lot
• 35:21
  Speaker 2: better about a once off situation. Yeah, three nights a
• 35:24
  Speaker 2: week fine, But like, oh, Beck, I'm so sorry when
• 35:27
  Speaker 2: you're away. Jess, who's now sick, she stayed over because
• 35:31
  Speaker 2: she drunk a bit too much to drive and I
• 35:33
  Speaker 2: just said, look, it's a bit late, but crash in
• 35:35
  Speaker 2: Beck's beds. She won't mind. I've cleaned all your sheets,
• 35:37
  Speaker 2: I've done everything. I hope that's okay to me. That's
• 35:40
  Speaker 2: a different situation because that's about personal safety than I
• 35:44
  Speaker 2: don't know, I feel like the intension behind it. I
• 35:46
  Speaker 2: feel three nights a week for the entire time you're
• 35:49
  Speaker 2: away was on purpose.
• 35:51
  Speaker 4: Yeah, it's very much like, hey, this room's free now.
• 35:53
  Speaker 4: It is literally anyone's you know what I mean.
• 35:55
  Speaker 2: Yeah, Whereas like, oh, hey, you know, someone had a
• 35:58
  Speaker 2: bit too much to drink. I told them to sleep
• 35:59
  Speaker 2: in your because it was just not okay for them
• 36:01
  Speaker 2: to go home. Like yeah, that's actually really responsible And yeah,
• 36:04
  Speaker 2: I don't know, I feel like intention comes into it
• 36:06
  Speaker 2: all totally, totally, I would agree with that. All right, Well,
• 36:10
  Speaker 2: I think that's all we have time.
• 36:11
  Speaker 4: Yeah, that's a good place to leave it. But best
• 36:14
  Speaker 4: of luck and keep us posted.
• 36:16
  Speaker 2: Yeah, I'm going to post a picture of my bedside
• 36:19
  Speaker 2: draw on Instagram today actually to show you that I do,
• 36:23
  Speaker 2: in fact have a draw full of sour lollies. I
• 36:26
  Speaker 2: wasn't joking, that wasn't innuendo. So head over to my
• 36:29
  Speaker 2: Instagram and I will show you that. But otherwise, have
• 36:32
  Speaker 2: the best weekend and we'll see you one Monday for
• 36:34
  Speaker 2: a money diary. Bye, guys.
• 36:42
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• 36:44
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• 36:48
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• 36:52
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