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Debt That Got Out of Control… Can You Fix It? · She's On The Money

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  Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations
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  Speaker 1: woman and I'm here to acknowledge country. Te Glenn Young Ganya, Niana,
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  Speaker 1: Kaka Yahi and beIN ah Waka Nia and our gay
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  Speaker 1: in Inbini, yakarum Jar Dominyagumika, Umaga, ithawaknitle Waman damind Immlan,
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  Speaker 1: Wumba bang gadaboma In and now in Waka Ghana on
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  Speaker 1: yakarum Jar water Nada. Now Hello, beautiful friends. We gather
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  Speaker 1: on the lands of the abridge and people we thank,
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  Speaker 1: acknowledge and respect the aberigion people's land that we're gathering
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  Speaker 1: on today. Take pleasure in all the land and respect
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  Speaker 1: all that you see. She's on the Money podcast acknowledges culture, country,
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  Speaker 1: community and connections, bringing you the tools, knowledge and resources
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  Speaker 1: for you to thrive.
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  Speaker 2: She's on the Money.
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  Speaker 3: She's on the Money. Hello and welcome to She's on
• 0:52
  Speaker 3: the Money the podcast and makes personal finance fun is
• 0:55
  Speaker 3: especially on Fridays. It is our favorite day of the
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  Speaker 3: week because we get the team together and we to
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  Speaker 3: celebrate you the incredible She's on the Money community today,
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  Speaker 3: it's just Beck and I, but don't worry. I will
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  Speaker 3: still be sharing some of my favorite money wins. Beck
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  Speaker 3: will be sharing her best Brook tips and will be
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  Speaker 3: helping to answer that money dilemma from someone who's trying
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  Speaker 3: to negotiate down a debt that has blown far beyond
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  Speaker 3: the original amount and a DM that you slid into
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  Speaker 3: an inbox about that asks question what is the best
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  Speaker 3: way to set your kids up financially?
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  Speaker 4: But before we get into it, we always like to
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  Speaker 4: start the show with a five star review.
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  Speaker 3: Have you got one today? Of course I do. This
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  Speaker 3: one comes from the coordinator, Oh wonderful name, long time listener,
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  Speaker 3: but finally coming to share. Since listening to the podcast,
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  Speaker 3: I have bought my first home, bought an investment property,
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  Speaker 3: created a share portfolio with the help of the investing masterclass,
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  Speaker 3: and seen a financial advisor. I have learned so much
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  Speaker 3: along the way from Victoria, Jess and Beck. For these
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  Speaker 3: big goals that I had, there have been so many
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  Speaker 3: other handy tips which have helped with super budgets and insurances.
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  Speaker 3: I feel so content with where I am at and
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  Speaker 3: I am so excited for the future. All Thanksanks to you,
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  Speaker 3: and now I'm trying to educate others to do the same,
• 2:03
  Speaker 3: keep on doing what you're doing. Love you girls. That
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  Speaker 3: is so nice. Sweet is that I'm good for you? Honestly,
• 2:10
  Speaker 3: that's incredible. Dream Queen, the Coordinator, The Coordinator. God, I
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  Speaker 3: love it when you guys tell us what you've.
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  Speaker 4: Done totally totally because you did that.
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  Speaker 3: You know, like you took bits and.
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  Speaker 4: Pieces from the world and you reign with it and
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  Speaker 4: that's incredible.
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  Speaker 3: Big snaps, Big snaps.
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  Speaker 4: Okay, So it's that part of Friday Drinks where you
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  Speaker 4: get to ask us one question you're dying to know.
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  Speaker 4: It's my favorite part. It can be about literally anything.
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  Speaker 4: This week's question comes from Katie, who wants to know
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  Speaker 4: what was your first ever email address back in the day.
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  Speaker 3: Oh, I remember this so vividly. I mean even my
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  Speaker 3: first hotmail my MSN because I use that anymore. It
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  Speaker 3: was major, underscore blonde or anything. I know. I feel
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  Speaker 3: like I got a really good one correctly, like no numbers,
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  Speaker 3: like nothing major blonde, and it like obviously we're because
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  Speaker 3: I was very blonde when I was young. And I
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  Speaker 3: also like was very like ditzy at the time. I
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  Speaker 3: feel like, so it was just like very on brand
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  Speaker 3: for me.
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  Speaker 4: Yes, Oh my god, don't you hate when you have
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  Speaker 4: a whole stereotype writing on the shoulders and you're like, well,
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  Speaker 4: I can't be ditzy, but you were so mine was
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  Speaker 4: I'm a big fan of NRL and I used to
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  Speaker 4: go for the Warriors.
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  Speaker 3: I mean I still do. I like, I love them all,
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  Speaker 3: but my thing was.
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  Speaker 4: Go Warriors Underscore spec NRL Spec was my nickname because
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  Speaker 4: everyone called me beck All Spec. That's really cute and
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  Speaker 4: as spec NRL is like, it's like, okay, we get it,
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  Speaker 4: we get it with the Warriors part, and then I
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  Speaker 4: put NRL at the end of the just in case
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  Speaker 4: just in case at hotmail dot com.
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  Speaker 3: That's brilliant, and so it's really.
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  Speaker 4: Cringe and obviously, like obviously I was gay, you know,
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  Speaker 4: it was like hot sexy chick. Course from there like that,
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  Speaker 4: It's like I love hearing people, please leave yours?
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  Speaker 3: Was you're a first email poppet in the comments on Spotify.
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  Speaker 3: I had a really fun conversation with a friend of
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  Speaker 3: mine recently. We've known each other in high school with
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  Speaker 3: friends forever. She's living overseas at the moment, and I
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  Speaker 3: was connecting her to somebody that I know, and I
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  Speaker 3: said what's your email? And she said to me, I
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  Speaker 3: had to make a new one because she has a doctorate.
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  Speaker 3: She's just finished her doctorate. She's a thirty one year
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  Speaker 3: old woman living overseas, like two time Olympian, achieving incredible things,
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  Speaker 3: and she was still using her running nerd her life
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  Speaker 3: she was. I was like, that doesn't fly. That's so funny.
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  Speaker 3: That's so funny.
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  Speaker 4: But I think someone like that can get away with it. Like,
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  Speaker 4: if you are a doctor, is that the same thing
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  Speaker 4: as a doctorate? No, yeah, she's now a doctor. That
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  Speaker 4: is cool. Well, if you're a doctor, you can get
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  Speaker 4: away with it. If you're anyone, you can get away
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  Speaker 4: with it.
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  Speaker 3: But just clean this stuff. It's like my favorite thing ever.
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  Speaker 4: Okay, let's move on to the money wins in confessions,
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  Speaker 4: if you.
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  Speaker 3: Have, absolutely I do. First one that I have this
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  Speaker 3: week comes from Miranda and she says a job I
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  Speaker 3: wanted came up for application in the month before I
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  Speaker 3: went on leave for my wedding and honeymoon. The team
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  Speaker 3: rushed my interview for the day before I left, and
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  Speaker 3: I was off at the role while I was away
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  Speaker 3: on my honeymoon. Oh my god, that would be the
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  Speaker 3: best feeling. And I feel like it's a really good
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  Speaker 3: sign that the company were like happy to work with
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  Speaker 3: you on that. I like they liked it as a candidate.
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  Speaker 3: They're like, yes, like get it done, make it work,
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  Speaker 3: whatever we've got to do. And what good news on
• 5:19
  Speaker 3: your honeymoon. How could it possibly get better getting a
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  Speaker 3: new job? Congratulations? Next, I have money win from Kerry
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  Speaker 3: who said money win. I bought my ex out of
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  Speaker 3: the house and I am now a single homeowner. Wow,
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  Speaker 3: that's gotta be a good feeling. Oh yeah. Next one
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  Speaker 3: is from Anita, who said money win. I completed my
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  Speaker 3: first juathlon yesterday and I won a gift card. Oh cool?
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  Speaker 3: A jathlon? Jew athlon? I'm thinking like three legged race.
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  Speaker 3: I don't know. Okay, let me look it up. I've
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  Speaker 3: got to google it because I don't know. I know
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  Speaker 3: a triathlon? Is it just one less of those?
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  Speaker 4: Oh? Like a relay?
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  Speaker 3: Like a triathlon is like the swim, the bike and
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  Speaker 3: the Oh sorry, I understand, my god. Okay. A jewathlon
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  Speaker 3: is a multi sport endurance event. Can sting of three? Okay,
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  Speaker 3: so why they called douathlon If there's three legs, a run,
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  Speaker 3: a bike ride, and a final run often referred to
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  Speaker 3: as run bike run. Unlike triathlons, jaathlons replaced the swimming
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  Speaker 3: leg with a second run, making them ideal for runers
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  Speaker 3: and cyclists. Oh, I see, okay, that makes it. I
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  Speaker 3: was like, YB three things, if called two things, okay
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  Speaker 3: either way, I couldn't even do one of them. So
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  Speaker 3: good on you, Anita. That's incredible. Next, I've wanted money
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  Speaker 3: win from Angela, who said, I have been told we
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  Speaker 3: can get a small bag of food from the community pantry.
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  Speaker 3: I've been getting food every second day and it's really
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  Speaker 3: been helping us out. Oh my god. I love the
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  Speaker 3: idea of a community pantry. Y' same. I love those.
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  Speaker 3: I think like such a good idea, whether it's one
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  Speaker 3: that's run by a local council that you it sounds
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  Speaker 3: like maybe you need to apply for, or whether it's
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  Speaker 3: one where you can take as you need. I'm such
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  Speaker 3: a big vat of that concept. I think it's incredible.
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  Speaker 3: Me too, I love it. Next, I got a money
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  Speaker 3: win from Gema, who said I went to see my
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  Speaker 3: GP and she put me on a healthcare plane jewe
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  Speaker 3: to my chronic illness. The appointment was then bulk build
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  Speaker 3: and the other specialists I've been referred to will provide
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  Speaker 3: a Medicare rebate when normally they wouldn't because I've been
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  Speaker 3: put on this plan.
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  Speaker 4: Right, Okay, that was a confusing one for me for
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  Speaker 4: some reason. But I think I understand a lot of
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  Speaker 4: specialist appointments can be out of pocket, Like it can
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  Speaker 4: be very expensive when you're dealing with chronic health, even
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  Speaker 4: like mental health stuff like you can often or neurodivergence, Like,
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  Speaker 4: there's often a lot of out of pocket expenses for people.
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  Speaker 4: But it sounds like Jemma's GP has put it on
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  Speaker 4: a specific health care plan that they've like endorsed and
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  Speaker 4: they're going to implement together. Yeah, so when you go
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  Speaker 4: to see those specialists, it means that the appointments will
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  Speaker 4: be covered by a rebate. Where if she just booked
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  Speaker 4: herself in for those appointments herself, yeah, she would been
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  Speaker 4: out of pocket. Got you got you, got you got
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  Speaker 4: you got you go talk to your doctor's.
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  Speaker 3: It's kind of done. See if you can get a plan.
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  Speaker 3: Oh my god, that's so good, amazing and then lucky.
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  Speaker 3: Last one I have this week is from Wanita who
• 7:43
  Speaker 3: said streamio I canceled my Netflix Prime and Disney subscriptions.
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  Speaker 3: Moving Kia has been the best decision ever. I really
• 7:52
  Speaker 3: like streamo.
• 7:53
  Speaker 4: I've never used to you search for anything it's going
• 7:55
  Speaker 4: to be on there and something's like sure, maybe they're
• 7:57
  Speaker 4: not ready to be viewed yet. I mean those used
• 7:59
  Speaker 4: streamo stand that you check for how many people have
• 8:01
  Speaker 4: viewed it, and you know it's a good one. But
• 8:03
  Speaker 4: that's how I watch a lot of my.
• 8:05
  Speaker 3: Is this what we were talking about a few WEEKSGA When
• 8:06
  Speaker 3: you're like that, sometimes there's people like theater.
• 8:09
  Speaker 4: Yeah, sometimes I watched I tried to watch the roses
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  Speaker 4: that were like filming in the theater, which is like
• 8:14
  Speaker 4: so funny.
• 8:14
  Speaker 3: I mean I did I you.
• 8:16
  Speaker 4: Know, bootlegging bad you know that stuff.
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  Speaker 3: But I do understand.
• 8:21
  Speaker 4: But it's so funny when you're watching it and like
• 8:23
  Speaker 4: you can hear laughter in the background because you're someone
• 8:26
  Speaker 4: has been recording it live in it like a.
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  Speaker 3: Built in laugh track.
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  Speaker 4: Yeah exactly, and bringing back I say, so that's not
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  Speaker 4: my breake tip.
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  Speaker 3: Do you want to say it bled over? I did
• 8:36
  Speaker 3: tell me what you got? Okay.
• 8:38
  Speaker 4: So this person comes from Julia, who says, never ever
• 8:41
  Speaker 4: buy movie tickets full price if you are linked to
• 8:45
  Speaker 4: a bank, health insurance, or like RACV.
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  Speaker 3: Just some examples.
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  Speaker 4: They have movie tickets for most theaters for half the
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  Speaker 4: price or even less. It's the only way I buy
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  Speaker 4: them now.
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  Speaker 3: Like, one of my favorite things to do is go
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  Speaker 3: to the movies because it is it can be quite expensive.
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  Speaker 4: It can be quite sens and it's just like it's
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  Speaker 4: such a nice like mindful. If you watch it at home,
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  Speaker 4: you gotta be checking your phone. Yeah, so I really
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  Speaker 4: like that. That's great, think you, Julier. The next one
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  Speaker 4: comes from Teresa, who says I always ask my library
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  Speaker 4: to buy whatever books I want, and ninety nine percent
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  Speaker 4: of the time they do. I've requested three books this
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  Speaker 4: year for the kids, and they've all been bought. This
• 9:19
  Speaker 4: is also good for their funding because it shows a
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  Speaker 4: utilized and requested resource for the community. That's such a
• 9:24
  Speaker 4: great idea, true, because like you can I mean not
• 9:27
  Speaker 4: that I like think it is not worth it, but
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  Speaker 4: some books are really really expensive and you just don't
• 9:32
  Speaker 4: have the money for that. Then I think it's a
• 9:34
  Speaker 4: really great option you can at least ask, you.
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  Speaker 3: Know what I mean. I'm the biggest fan of a library.
• 9:38
  Speaker 3: A lot of people told us when Victoria's books were
• 9:41
  Speaker 3: coming out when they were first being released, that they
• 9:42
  Speaker 3: had requested it their libraries.
• 9:44
  Speaker 4: Oh, pre order them or get them in, which is
• 9:46
  Speaker 4: really cool. The silent heroes of the world, they're like
• 9:49
  Speaker 4: the heart of the community.
• 9:50
  Speaker 3: Like true this day, like I grew up in libraries,
• 9:52
  Speaker 3: like I was such a library child, but like to
• 9:55
  Speaker 3: this day, like if my internet at home isn't working,
• 9:57
  Speaker 3: or if I'm just having a day where I'm like
• 9:59
  Speaker 3: I need to not be in the same spot. I
• 10:01
  Speaker 3: mean every day because I work from home, or there's
• 10:03
  Speaker 3: been like a few times where I've been driving home
• 10:05
  Speaker 3: from the studio and I need to do something quickly
• 10:07
  Speaker 3: before I got home. I will always shop at a library.
• 10:10
  Speaker 3: If it's on my local library. Like if I was
• 10:12
  Speaker 3: driving from here it's happened before and I needed to
• 10:14
  Speaker 3: urgently flick something to someone, I just search my nearest
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  Speaker 3: library and when they're in dinner, they're the best. That
• 10:19
  Speaker 3: is so good. Yeah, I love a library.
• 10:22
  Speaker 4: My broke tip is called I have I know I've
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  Speaker 4: mentioned before on the show, but it was a long
• 10:28
  Speaker 4: time ago, so I guess it's just like maybe a
• 10:30
  Speaker 4: reminder but also a check in because if you heard
• 10:33
  Speaker 4: this broke tip. Back in the day, you might think
• 10:35
  Speaker 4: did this work? Yes, So my broke tip is it's
• 10:38
  Speaker 4: an app called free Cash, which sounds really really dodgy
• 10:41
  Speaker 4: sound it's sounds so sketchy, but you download free Cash.
• 10:45
  Speaker 4: It's very similar to shot back Games. If anyone plays
• 10:47
  Speaker 4: shot back Games and you go on there, you'll see
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  Speaker 4: all these these games on there.
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  Speaker 3: That you can download.
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  Speaker 4: Something like a lot of them say like win up
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  Speaker 4: to one thousand dollars, and like, sure, it actually is possible.
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  Speaker 4: But I just wanted to update everyone I have been playing.
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  Speaker 4: I kind of stopped there for a while. They started
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  Speaker 4: playing again, and I just won like seventy two bucks.
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  Speaker 4: Oh I'm not working right now. If you have a lot,
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  Speaker 4: a lot of time on your hands, then you really
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  Speaker 4: can make some coin.
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  Speaker 3: You know what kind of game, Like is it a
• 11:14
  Speaker 3: mindless game? Well, I'm playing Disney Solitaire right now, which
• 11:18
  Speaker 3: I actually really fun.
• 11:20
  Speaker 4: It's really fun and it's really it actually gets really
• 11:22
  Speaker 4: really hard, so it's very time consuming. But if you
• 11:25
  Speaker 4: have the time, you really can make some money.
• 11:28
  Speaker 3: Right now.
• 11:29
  Speaker 4: I've got there's a fifty five hour timer going and
• 11:32
  Speaker 4: I have to just get up to a certain level
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  Speaker 4: and I'm gonna win one hundred and sixty seven dollars.
• 11:36
  Speaker 3: Yeah.
• 11:37
  Speaker 4: Sorry, I'm trying to figure out how they made money.
• 11:39
  Speaker 4: It's like Googles googling it today, like is it legit? Yes,
• 11:41
  Speaker 4: it's legit.
• 11:42
  Speaker 3: How do they make money? They if they're ads.
• 11:45
  Speaker 4: There are ads in some apps, some of the game apps,
• 11:48
  Speaker 4: but not on free Cash, And so I think making
• 11:51
  Speaker 4: money the games make money through ads, and I think
• 11:55
  Speaker 4: that they give money to free cash. We get a
• 11:59
  Speaker 4: percentage of that money that free cash get.
• 12:02
  Speaker 3: Why are they paying free cash?
• 12:03
  Speaker 4: I guess because it's like, well, because there are some
• 12:06
  Speaker 4: apps on here that I would never have thought to download.
• 12:08
  Speaker 3: Oh like boosts them up.
• 12:10
  Speaker 4: Yeah, and so like so many people downloading these apps,
• 12:13
  Speaker 4: probably so many more people are seeing these ads. Also,
• 12:16
  Speaker 4: there probably are a lot of people. Luckily I have
• 12:18
  Speaker 4: I'm playing this with a friend, not together in the
• 12:20
  Speaker 4: same account, but we just have a deal where we
• 12:22
  Speaker 4: aren't allowed to spend any money in these apps because
• 12:24
  Speaker 4: it is very tempting. So I imagine that's how probably
• 12:27
  Speaker 4: how they get some Oh you can spend money.
• 12:28
  Speaker 3: You spend money to like get ahead. Do not do that.
• 12:32
  Speaker 4: You live your own life, but you should try and
• 12:35
  Speaker 4: avoid those things because it's like you can get ahead,
• 12:38
  Speaker 4: don't buy.
• 12:38
  Speaker 3: Don't like the roadblocks of it. All I got like
• 12:40
  Speaker 3: young nieces like, yes, don't spend real money on fake things. Yes,
• 12:43
  Speaker 3: that's all I'm saying.
• 12:44
  Speaker 4: Exactly exactly, so don't do that. But I'm assuming that's
• 12:48
  Speaker 4: how they make their money from people buying and also ads.
• 12:51
  Speaker 4: You know, I mean, it sounds like you're doing pretty
• 12:52
  Speaker 4: well off it, so pretty well that's me. But I
• 12:56
  Speaker 4: think it's a really good time to go for a break.
• 12:58
  Speaker 4: I want to check my Disney celer Ti and when
• 13:01
  Speaker 4: we come back, we'll be helping to answer money dilemma
• 13:03
  Speaker 4: from someone trying to negotiate down a debt that has
• 13:05
  Speaker 4: blown out far beyond the original amount and a DM
• 13:08
  Speaker 4: that you slid into our inbox about asking what is
• 13:11
  Speaker 4: the best way to set your kids up financially?
• 13:13
  Speaker 3: You don't go anywhere. Welcome back, everybody. Let's take a
• 13:18
  Speaker 3: listen to this week's money dilemma.
• 13:22
  Speaker 5: Hi, there, have you got a money dilemma you just
• 13:25
  Speaker 5: can't solve the She's on the Money team is here
• 13:27
  Speaker 5: to help. Every week, we tackle your dilemmas, both big
• 13:31
  Speaker 5: and small, to answer your most burning money, career and
• 13:33
  Speaker 5: life questions. To get involved, simply head to our website
• 13:37
  Speaker 5: and leave us a short voice recording and you might
• 13:39
  Speaker 5: just find yourself on the show. Now, let's take a
• 13:41
  Speaker 5: listen to this week's money dilemma.
• 13:45
  Speaker 2: Hi Shees on the Money Love the Podcast. I have
• 13:49
  Speaker 2: a bit of a unique situation. Over time, I've accumulated
• 13:54
  Speaker 2: told debt, so driving on the road toll debt. My
• 13:57
  Speaker 2: actual debt is fourteen thousand dollars, which I know sounds astronomical. However,
• 14:02
  Speaker 2: the administration fees are currently forty thousand dollars. I'm trying
• 14:08
  Speaker 2: to negotiate to bring them down. However, I'm not having
• 14:11
  Speaker 2: much luck, so there's a chance that this might move
• 14:14
  Speaker 2: forward into litigation. Any feedback or thoughts or have you
• 14:18
  Speaker 2: heard of anybody else in this situation where it worked out?
• 14:21
  Speaker 2: Thank you.
• 14:22
  Speaker 3: I'm so sorry. This sounds extremely stressful. I can't really
• 14:26
  Speaker 3: fathom how you got to fourteen thousand dollars in road
• 14:29
  Speaker 3: toll debt, because even if you're paying twenty dollars a
• 14:32
  Speaker 3: day and told, which is kind of like the max
• 14:34
  Speaker 3: you would hit ish in Melbourne, I would say if
• 14:37
  Speaker 3: you went back and forth through a tunnal twice in
• 14:39
  Speaker 3: a day. Oh you know what, let's call it thirty
• 14:41
  Speaker 3: dollars a day, right, Yeah, thirty dollars a day by
• 14:44
  Speaker 3: like what is fourteen thousand divide away thirty? This is
• 14:47
  Speaker 3: the thing I'm thinking because I four hundred and sixty
• 14:50
  Speaker 3: six assuming thirty dollars a day in tolls, four hundred
• 14:52
  Speaker 3: and sixty six days if driving through a toll and
• 14:54
  Speaker 3: not paying for it. But I guess it's the late fees.
• 14:58
  Speaker 3: But then is that separate that's the forty thousand.
• 15:01
  Speaker 4: Well, so, I because I've been in the situation, I'm
• 15:04
  Speaker 4: currently in a situation. I'm always in the situation. When
• 15:06
  Speaker 4: I was in Sydney, Yes, there were administration fees, like
• 15:09
  Speaker 4: there were sometimes where like the toll was a dollar
• 15:11
  Speaker 4: twenty and then the administration fee was like eighteen dollars
• 15:14
  Speaker 4: and so and so that's not shocking. Like as we
• 15:17
  Speaker 4: were listening, I was really just like nodding, like that
• 15:19
  Speaker 4: does not shock me. And it is like criminal, it's criminal.
• 15:22
  Speaker 4: And I think that it depends on the toll in
• 15:25
  Speaker 4: the road, and I understand like administration fees and stuff
• 15:28
  Speaker 4: like that, but it just doesn't need to be that expensive.
• 15:30
  Speaker 4: So I can't give advice on how to negotiate, but
• 15:33
  Speaker 4: I can tell you that.
• 15:34
  Speaker 3: It worked for me.
• 15:35
  Speaker 4: And I kind of was just like, well, I'll be
• 15:37
  Speaker 4: paying it, not the whole mount, but I'll be paying
• 15:38
  Speaker 4: it slowly. I'll be paying it at least a chunk
• 15:41
  Speaker 4: right now if you just get rid of the administration fees,
• 15:43
  Speaker 4: because they really just want the money as soon as possible.
• 15:45
  Speaker 4: And I think that kind of going about it this way,
• 15:48
  Speaker 4: where it's like, yes, I can, I can pay in
• 15:50
  Speaker 4: this way, but there's do not pay the administration fees
• 15:52
  Speaker 4: like that is insane.
• 15:53
  Speaker 3: One way that it for me.
• 15:56
  Speaker 4: If I logged on, say like EastLink right now chased
• 16:00
  Speaker 4: me for a long time, and first it's an invoice
• 16:03
  Speaker 4: and then it goes to like finds Victoria. I think,
• 16:06
  Speaker 4: I know it's different in different states, and then it'll
• 16:08
  Speaker 4: turn to an actual fine, which is like one hundred
• 16:10
  Speaker 4: and sixty dollars or something like that. So that's when
• 16:12
  Speaker 4: I turn it into a payment plan. So I ignore
• 16:14
  Speaker 4: Slink until that point. But if you are logging on
• 16:17
  Speaker 4: and then sometimes and I think that maybe this is linked,
• 16:21
  Speaker 4: if you log on and you click there's some sort
• 16:24
  Speaker 4: of option where you can transfer to your linked account
• 16:27
  Speaker 4: and then all the administration fees go. And I assume
• 16:29
  Speaker 4: you're beyond that point, but that is an option if
• 16:34
  Speaker 4: anyone who's listening and that's something that you can use.
• 16:36
  Speaker 4: You can be like, well, if I have an account
• 16:39
  Speaker 4: and I just move all the tolls to that account,
• 16:41
  Speaker 4: then all my administration fees should be gone. I don't
• 16:44
  Speaker 4: know how you're negotiating or if you're talking to, but
• 16:47
  Speaker 4: there are several ways to remove the administration fee before
• 16:51
  Speaker 4: you pay anything. And I'm like, why are they now
• 16:53
  Speaker 4: all of a sudden being like there's nothing you can
• 16:55
  Speaker 4: do about it.
• 16:56
  Speaker 3: No, there absolutely should be, you know, I'm assuming they're
• 16:59
  Speaker 3: threatening litigate that it's gone to a debt collector. Would
• 17:02
  Speaker 3: be my best guess. Have you spoken to them about
• 17:05
  Speaker 3: a payment plan? Would be my first port of call.
• 17:07
  Speaker 3: Exactly as you were saying, Beck, I think that unless
• 17:10
  Speaker 3: you happen to have a spare fifty four thousand dollars
• 17:11
  Speaker 3: going around, I guessing you don't. You can also, if
• 17:14
  Speaker 3: you haven't tried this in your negotiation process, say okay,
• 17:17
  Speaker 3: well I have X amounting cash, will you take that today?
• 17:19
  Speaker 3: Because we've spoken on the show before about how sometimes
• 17:22
  Speaker 3: when you just offer them a cash some, they'll take it.
• 17:25
  Speaker 3: I think especially if your cash some covers whatever the
• 17:28
  Speaker 3: original costs of the tolls were, they might just cut
• 17:31
  Speaker 3: their losses and take that. I would also say definitely
• 17:34
  Speaker 3: get in touch with the National Debt Helpline. I think
• 17:37
  Speaker 3: they are resourced exactly for this kind of thing. They
• 17:40
  Speaker 3: are a free national service. We've spoken about them so
• 17:42
  Speaker 3: many times before. They have trained financial counselors who deal
• 17:46
  Speaker 3: with debt day in and day out, so they will
• 17:48
  Speaker 3: be able to tell you what your best process forward is.
• 17:51
  Speaker 3: They might even be able to assist you by connecting
• 17:53
  Speaker 3: you with someone who can negotiate on your behalf or
• 17:55
  Speaker 3: give you a script of things to discuss. There's also
• 17:58
  Speaker 3: hardship options usually as well, so most tole operators in
• 18:02
  Speaker 3: Australia have hardship programs designed for people who have fallen
• 18:05
  Speaker 3: behind on their toll payments. If you're struggling to pay,
• 18:08
  Speaker 3: I definitely would speak to them directly. I think you
• 18:10
  Speaker 3: might need to use a few keywords, so saying things
• 18:13
  Speaker 3: like I am experiencing financial hardship, what kind of programs
• 18:16
  Speaker 3: do you have to assist me? That kind of language
• 18:19
  Speaker 3: can often help. But again, if it's been referred to
• 18:22
  Speaker 3: a debt collector or you can call the toll company directly.
• 18:27
  Speaker 3: So I don't necessarily know that a debt collect would
• 18:29
  Speaker 3: be able to assist you with that, but if you
• 18:30
  Speaker 3: call them, they should have some kind of program or
• 18:33
  Speaker 3: something in place, Like, you're not the first person to
• 18:35
  Speaker 3: ever find themselves in this situation, and I'm imagining you're
• 18:39
  Speaker 3: beyond stress, feeling like this is just such a hole
• 18:42
  Speaker 3: of a pit. And I totally understand a little word
• 18:45
  Speaker 3: of advice for anybody in future, just using this as
• 18:49
  Speaker 3: a vehicle is like things can get bad if you
• 18:51
  Speaker 3: neglect them, And so if you are experiencing financial hardship,
• 18:55
  Speaker 3: I would really strongly recommend people don't bury their head
• 18:58
  Speaker 3: in their sand. You know, if you can get on
• 19:00
  Speaker 3: top of things a little bit earlier, it can help
• 19:02
  Speaker 3: stop them from smiraling in this way. Obviously, our listener
• 19:05
  Speaker 3: is in the position she's in and like, all we
• 19:08
  Speaker 3: want to do is now I help you out of that.
• 19:09
  Speaker 3: But if you're someone listening who's a little bit like Beck,
• 19:11
  Speaker 3: and you're like, oh, I just ignore it and deal
• 19:13
  Speaker 3: gates to wherever are there processes we can put into
• 19:16
  Speaker 3: place to avoid this. Are their options that mean you
• 19:18
  Speaker 3: don't have to take the toll Things like that, I
• 19:20
  Speaker 3: would just take a second to consider, because, like I
• 19:24
  Speaker 3: hope more than anything that we can find a solution
• 19:27
  Speaker 3: for you, and I think the National Debt Helpline is
• 19:29
  Speaker 3: probably your best port of call for that. But I
• 19:32
  Speaker 3: would be lying if I didn't say there is a
• 19:34
  Speaker 3: very real possibility that they dig their heels in and say, well,
• 19:37
  Speaker 3: you owe us fifty four thousand dollars, And that's not
• 19:39
  Speaker 3: a position that I would wish on anybody. So I
• 19:41
  Speaker 3: would be saying, get in touch with the National Debt Helpline.
• 19:44
  Speaker 3: We will put their contact information in the show notes.
• 19:46
  Speaker 3: They are absolutely beautiful, judgment free. They will run you
• 19:49
  Speaker 3: through any options that they know of. Otherwise, I think, yeah,
• 19:52
  Speaker 3: make sure that when you are talking to people using
• 19:54
  Speaker 3: those buzzwords, you know I'm experiencing financial hardship, do you
• 19:58
  Speaker 3: offer payment plans to do? Offer these things? And if
• 20:00
  Speaker 3: you have been referred to a debt collector, know that
• 20:02
  Speaker 3: you can still go to the original toll company to
• 20:05
  Speaker 3: have those negotiations. You know, I'm a big fan of
• 20:07
  Speaker 3: you can always escalate things. I think debt collectors are
• 20:11
  Speaker 3: paid a percentage of what they collect, and so if
• 20:14
  Speaker 3: you can then take that money back to the original
• 20:16
  Speaker 3: toll company, or if the person that you're dealing with
• 20:18
  Speaker 3: is quite aggressive, like you said, you're not getting anywhere,
• 20:21
  Speaker 3: can you ask to speak to a manager like not
• 20:23
  Speaker 3: to be a Karen, but sometimes taking things a step
• 20:27
  Speaker 3: further speaking to somebody different can work for you. So
• 20:31
  Speaker 3: I'm really sorry that you're experiencing this, but there are
• 20:34
  Speaker 3: options out there, and I'm keeping my fingers and my
• 20:36
  Speaker 3: toes cross, so please keep us posted. We can get
• 20:39
  Speaker 3: that paid down for you, hopefully at a much smaller sum.
• 20:42
  Speaker 4: Yes, hopefully. Should we get into the juicy dim absolutely so.
• 20:46
  Speaker 4: This week's one says this high shoes on the money.
• 20:49
  Speaker 4: I'm a single mum and I've never set aside savings
• 20:52
  Speaker 4: or investments for my kids for when they're adults. I've
• 20:55
  Speaker 4: been getting.
• 20:55
  Speaker 3: Mixed reactions about that. I didn't grow up with parents
• 20:58
  Speaker 3: who gave me financial help either. Instead, they taught me
• 21:01
  Speaker 3: about money, encouraged me to build my own life, and
• 21:04
  Speaker 3: supported me in practical ways like helping with childcare. My
• 21:07
  Speaker 3: plan has always been to do the same for my kids.
• 21:10
  Speaker 3: At the same time, I'm still working on getting myself
• 21:12
  Speaker 3: into a really strong financial position too. Is it actually
• 21:16
  Speaker 3: that common for parents to have savings set aside for
• 21:18
  Speaker 3: their kids when they become adults. I had never had.
• 21:22
  Speaker 4: My mom didn't do that, but I mean I have
• 21:25
  Speaker 4: heard of it, but I don't think.
• 21:26
  Speaker 3: It's that common, right. I Mean, we talk a lot
• 21:29
  Speaker 3: on the show about wanting to be able to set
• 21:31
  Speaker 3: your kids up financially, whether that's investing for them now
• 21:34
  Speaker 3: so they've got a lump some that they come into later.
• 21:36
  Speaker 3: I think it's probably a more and more popular conversations
• 21:38
  Speaker 3: coming around. I think it's also worth acknowledging that it
• 21:40
  Speaker 3: comes in different forms. Some people have their parents pay
• 21:43
  Speaker 3: their university fees, or some people have their parents purchase
• 21:46
  Speaker 3: their first car or contribute towards their first house deposit,
• 21:49
  Speaker 3: so that financial aid can come in lots of different variations,
• 21:52
  Speaker 3: not necessarily just cash or investments handed over as.
• 21:56
  Speaker 4: Are it's worth even for yourself, maybe having a little
• 22:01
  Speaker 4: bit put aside that you can like quote unquote be
• 22:04
  Speaker 4: saving for your children in case they are in a
• 22:07
  Speaker 4: situation where they're not working, they may be redundant like right now,
• 22:11
  Speaker 4: would be a really ideal time for them to be like, oh,
• 22:13
  Speaker 4: I actually save for you this whole time, and I
• 22:14
  Speaker 4: feel just tell you or like I've just been saving
• 22:16
  Speaker 4: it for a really really really bad time. And so
• 22:18
  Speaker 4: something like that where it's like you don't tell your children,
• 22:20
  Speaker 4: you can still teach them how to create their own
• 22:23
  Speaker 4: wealth and be independent and all these kind of things,
• 22:25
  Speaker 4: which I think is extremely valuable. And I think that's
• 22:27
  Speaker 4: amazing that you're doing that because you don't want them
• 22:30
  Speaker 4: to even have the I mean, it depends on the
• 22:32
  Speaker 4: person the knowledge like oh, there is a safety blanket here,
• 22:35
  Speaker 4: so I can kind of just like be a bit
• 22:36
  Speaker 4: reckless because then that will help them like problem solve
• 22:39
  Speaker 4: and all this kind of stuff. So I think it's
• 22:41
  Speaker 4: really cool we are doing but for your own sake.
• 22:44
  Speaker 4: If you did want to like help buy them a
• 22:46
  Speaker 4: car in the future, it could be your own savings
• 22:50
  Speaker 4: for when you want to chip in for them, and
• 22:53
  Speaker 4: it's not just coming directly out of your own savings,
• 22:56
  Speaker 4: you know. So it's just like I'm thinking, it's like
• 22:58
  Speaker 4: a separate saver, so you have one for like gift
• 23:01
  Speaker 4: giving or a holiday, and it just feels like even
• 23:04
  Speaker 4: though it's still your money, and you've put the money
• 23:06
  Speaker 4: in there. Using that money for what its intended purposes
• 23:10
  Speaker 4: feels a little bit better. So I feel like, this
• 23:11
  Speaker 4: is a savings account for the kids, but it's only
• 23:13
  Speaker 4: for when I need to chip in for something for
• 23:16
  Speaker 4: the kids.
• 23:17
  Speaker 3: You know what I mean.
• 23:18
  Speaker 4: And then if they are ever down on their luck
• 23:20
  Speaker 4: or they just really really need money for whatever reason,
• 23:22
  Speaker 4: and you're like, I'll loan you five thousand dollars. It's
• 23:25
  Speaker 4: from that account, you know. So I don't think it's
• 23:27
  Speaker 4: like necessary. Maybe it's good, it's good to have, but
• 23:32
  Speaker 4: I don't think it's super common, maybe especially for like
• 23:35
  Speaker 4: maybe our parents' generation.
• 23:37
  Speaker 3: Yeah, you shouldn't feel bad. No one should be making
• 23:39
  Speaker 3: you feel bad for not doing that. I feel like
• 23:41
  Speaker 3: there's a lot of conversation about it now that didn't
• 23:43
  Speaker 3: exist exactly as you said, in our parents' generation. I think, like,
• 23:46
  Speaker 3: if I think about my own family, financial literacy isn't
• 23:48
  Speaker 3: necessarily something that was very prolific, and so it's like
• 23:52
  Speaker 3: everybody's doing the best that they can with what they have.
• 23:55
  Speaker 3: I have not and have never operated on the assumption
• 23:58
  Speaker 3: it's similar to inheritance. Like I've always lived my life,
• 24:01
  Speaker 3: planned my life on the assumption though, if I was
• 24:03
  Speaker 3: to receive something, obviously that would be wonderful, lovely. But
• 24:07
  Speaker 3: I've always been very independent financially and otherwise, and so
• 24:10
  Speaker 3: that's never been a part of my journey. I think
• 24:13
  Speaker 3: that as financial literacy becomes a lot more common, it
• 24:16
  Speaker 3: is something that more and more people think about. If
• 24:19
  Speaker 3: I was to have kids, I would want to have
• 24:21
  Speaker 3: funds aside, you know. I mean I would love to
• 24:23
  Speaker 3: be able to contribute to education or a house or
• 24:27
  Speaker 3: something like that. I think, by the same breath, I
• 24:30
  Speaker 3: think like all the things that our listener is talking about,
• 24:32
  Speaker 3: providing financial literacy and education and making sure they understand
• 24:36
  Speaker 3: the value of a dollar are just as important of
• 24:39
  Speaker 3: things like yeah, you know, I think it would be
• 24:41
  Speaker 3: one thing if you said, oh, I've got the money
• 24:43
  Speaker 3: spare and I just don't really want to give it
• 24:45
  Speaker 3: to them. I mean, it is still your choice to make. Yeah,
• 24:48
  Speaker 3: I think, especially because they've said, well, I also am
• 24:52
  Speaker 3: still getting myself sorted on a financial quality. You can't
• 24:55
  Speaker 3: pour for an empty cup, you can't fund a lifestyle
• 24:58
  Speaker 3: if you don't have the funds to so. I think
• 25:01
  Speaker 3: getting your house sorted is the most important thing. If
• 25:04
  Speaker 3: you do get to a place where you can start
• 25:06
  Speaker 3: popping a little money. Even in investing, we talk about
• 25:09
  Speaker 3: investing a lot because you know, the projected return on
• 25:12
  Speaker 3: something like that is so fantastic if you invest twenty
• 25:15
  Speaker 3: dollars a month or fifty dollars a month or whatever
• 25:17
  Speaker 3: that looks. Even if you just invest, you know, for
• 25:19
  Speaker 3: birthdays and Christmases and family gives them money and you
• 25:22
  Speaker 3: invest that on their behalf because they can't do that,
• 25:24
  Speaker 3: Like a three year old doesn't understand saving or investing
• 25:27
  Speaker 3: or any of those concepts. So I think there is
• 25:29
  Speaker 3: something to be said for giving them advantage of time
• 25:33
  Speaker 3: that they can't take advantage of themselves. So true, we
• 25:36
  Speaker 3: all wish we'd invested sooner. Yeah, I wish I started
• 25:38
  Speaker 3: ten years ago. I wish my mum had started thirty
• 25:40
  Speaker 3: years ago. But like hindsight's twenty twenty, Like, if you
• 25:44
  Speaker 3: can take advantage of those things, fantastic, But if you're
• 25:47
  Speaker 3: not in the position to do so, or if it's
• 25:50
  Speaker 3: not a choice that you want to make, I don't
• 25:52
  Speaker 3: think that that's wrong. Yeah, I think it's a nice
• 25:55
  Speaker 3: to have. Like I don't you're in Like I look
• 25:57
  Speaker 3: at us, we've never received anything. We've birth come out
• 25:59
  Speaker 3: as pretty decently adjusted human beings. So I don't think
• 26:02
  Speaker 3: it's a bad thing. I don't think it's a negative.
• 26:04
  Speaker 3: I just think there probably is a lot more conversation.
• 26:06
  Speaker 3: That's probably where the surprise that they're receiving from, you know,
• 26:09
  Speaker 3: other people is coming from. So we took to Instagram,
• 26:11
  Speaker 3: and of course we asked you guys a couple of questions. Firstly,
• 26:13
  Speaker 3: we said, did your parents give you a large amount
• 26:16
  Speaker 3: of savings or investments when you reach adulthood? Eight percent
• 26:20
  Speaker 3: of people says yes, I got a lump sum. Forty
• 26:23
  Speaker 3: two percent of people said they helped here and there
• 26:25
  Speaker 3: when needed, and forty nine percent of people said no,
• 26:28
  Speaker 3: I didn't get any financial help. Wow, did you do it?
• 26:31
  Speaker 4: That's very like comforting for some reason, it's kind of like, Wow,
• 26:35
  Speaker 4: we are all trying to do the best we can.
• 26:37
  Speaker 3: We're all just tucking through truly. Next, we said, what
• 26:40
  Speaker 3: do you think is more important for a parent to
• 26:42
  Speaker 3: give their kids. Five percent of people said monetary help
• 26:45
  Speaker 3: and ninety five percent of people said financial literacy. Yes,
• 26:50
  Speaker 3: And then of course we said what is your two cents?
• 26:52
  Speaker 3: So one person said, of those that I know who've
• 26:55
  Speaker 3: got financial help, they seem to be the ones that
• 26:57
  Speaker 3: lack financial literacy. And it's actually something I didn't touch
• 27:00
  Speaker 3: on before. But I guess the concept of a leg
• 27:03
  Speaker 3: up financially stereotypically hails back to almost the idea of
• 27:07
  Speaker 3: a trust fund. Yeah, a trust fund kid, like you
• 27:10
  Speaker 3: were saying, has a safety in it, doesn't care dada da.
• 27:13
  Speaker 3: I do think if you were going to put money aside,
• 27:15
  Speaker 3: there is something in doing it quietly, maybe not letting
• 27:18
  Speaker 3: them know that that exists, yes, I agree, or making
• 27:21
  Speaker 3: sure that you are coupling it with financial literacy, because
• 27:24
  Speaker 3: you never want to raise a child that then becomes
• 27:26
  Speaker 3: an adult who can't be self sufficient or is always
• 27:29
  Speaker 3: going to be coming back to you for assistance. That's
• 27:31
  Speaker 3: so true. Somebody else said this is a two parter.
• 27:34
  Speaker 3: I got money help and wish I'd got an educational help.
• 27:37
  Speaker 3: To be honest, my parents raised me to be dependent.
• 27:41
  Speaker 3: I definitely would have preferred to have been financially literate. Yeah, okay.
• 27:45
  Speaker 3: Somebody on the other side, Yeah, somebody says everybody's situation
• 27:48
  Speaker 3: is different. It is okay to help in a way
• 27:50
  Speaker 3: that suits your lifestyle and your own position, which I
• 27:52
  Speaker 3: think is a great take. Somebody else said building your
• 27:55
  Speaker 3: own wealth gives you options later and models financial independence
• 28:00
  Speaker 3: completely agree with totally. Someone else said a lump sum
• 28:03
  Speaker 3: is only useful if they have the financial literacy to
• 28:05
  Speaker 3: use it wisely and spend it on learning instead. Yes,
• 28:10
  Speaker 3: so true. Someone else said, why are people judging you?
• 28:12
  Speaker 3: You're a single mum, probably doing the best you can.
• 28:14
  Speaker 3: You do you, yes, seriously, completely agree. Somebody else said,
• 28:18
  Speaker 3: I'm saving money to give to my little one because
• 28:20
  Speaker 3: I'm also afraid that they will be in a much
• 28:22
  Speaker 3: worse financial position than we are. Somebody else said setting
• 28:25
  Speaker 3: yourself up to be able to support your kids is
• 28:27
  Speaker 3: your top priority and you're doing great, which I completely
• 28:29
  Speaker 3: agree with. And lastly, somebody said, my parents' poor financial
• 28:33
  Speaker 3: position is more stress than any gift they ever could
• 28:37
  Speaker 3: have given me, which is a great point. Like, you've
• 28:40
  Speaker 3: got to get yourself sorted first, because if you do,
• 28:43
  Speaker 3: it means that you can look after yourself and you
• 28:44
  Speaker 3: won't need to rely on your children either.
• 28:47
  Speaker 4: Exactly. That is very true. But yes, exactly, as Jess said,
• 28:50
  Speaker 4: do the best with what you've got and if you
• 28:52
  Speaker 4: can do, if you can't, don't do and you should
• 28:55
  Speaker 4: never be shamed for that.
• 28:56
  Speaker 3: No, there's lots of mum shaming going on in the
• 28:58
  Speaker 3: world right now. I like it.
• 29:00
  Speaker 4: The other parent is out there somewhere. What are they
• 29:03
  Speaker 4: putting the way? Are they putting away money?
• 29:05
  Speaker 3: Maybe they are. You're doing great, Queen to leave it
• 29:08
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