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Should You Buy a House or Invest? Let's Break it Down · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud or
• 0:04
  Speaker 1: the Order Kerni Whaltbury 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 4: Hello, and welcome to She's on the Money. The po
• 1:00
  Speaker 4: gus that makes personal finance fun, especially on Fridays. It
• 1:04
  Speaker 4: is my personal and our favorite day of the week
• 1:07
  Speaker 4: because we get to get our team together and celebrate
• 1:09
  Speaker 4: you our incredible She's on the Money community, Miss Jess Gricci,
• 1:13
  Speaker 4: She's here sharing our favorite money wins from the group.
• 1:16
  Speaker 4: Beck is going to be here sharing her broke tips
• 1:18
  Speaker 4: and we'll be helping to answer a money dilemma.
• 1:21
  Speaker 2: What do you do when you have to sell.
• 1:23
  Speaker 4: Your house because of a divorce and then something that
• 1:26
  Speaker 4: you slid into our dms about are you being dodgy
• 1:29
  Speaker 4: when you don't tell a shop that you know they're
• 1:31
  Speaker 4: undercharging you?
• 1:34
  Speaker 2: That's interesting. I feel like it is really interesting.
• 1:37
  Speaker 4: But before we get there, guys, how have your weeks
• 1:40
  Speaker 4: been that Ma's been good.
• 1:42
  Speaker 5: It's been a little crisp in the air, if you will,
• 1:47
  Speaker 5: But I don't like it. Oh, I do you miss
• 1:48
  Speaker 5: summer already?
• 1:49
  Speaker 2: I feel like this is going to.
• 1:51
  Speaker 4: Sound so dumb as someone with a wardrobe full of
• 1:54
  Speaker 4: clothes you don't.
• 1:55
  Speaker 2: Have any winter outfits.
• 1:56
  Speaker 5: I feel exactly the same, and it happens to be every.
• 1:58
  Speaker 4: Day and keeps that every recording I have had over
• 2:03
  Speaker 4: the last few weeks for the podcast, I have worn
• 2:06
  Speaker 4: these pair of jeans because like, I get overwhelmed looking
• 2:09
  Speaker 4: in my wardrobe being like what do I wear? Like
• 2:11
  Speaker 4: it's not going to be super warm, but like I
• 2:13
  Speaker 4: also don't want to be cold, ye, but I want
• 2:15
  Speaker 4: to look good. Yeah anyway, Like that's the biggest first
• 2:18
  Speaker 4: world dilemma. So maybe you and I can sit down
• 2:20
  Speaker 4: and make like a Pinterest vision board of like our
• 2:22
  Speaker 4: winter wardrobes, because I just want to be able to
• 2:26
  Speaker 4: walk into my wardrobe and have a few ideas of
• 2:29
  Speaker 4: the outfits I have, but I don't want.
• 2:30
  Speaker 2: To buy anything new.
• 2:32
  Speaker 4: Yeah, Like I know I have cute stuff and I
• 2:34
  Speaker 4: just have cute stuff. Yeah, but so do you, and
• 2:37
  Speaker 4: I know you do, so like we need to just
• 2:40
  Speaker 4: like I don't know, match outfits for each other or something,
• 2:43
  Speaker 4: because like I'm not buying more winter clothes. No, I'm
• 2:46
  Speaker 4: thirty three. Like they take up so much. I have
• 2:48
  Speaker 4: a wardrobe.
• 2:49
  Speaker 2: You go on a whale starts and then everything's happening. Yeah,
• 2:52
  Speaker 2: but in summer, I don't need a coat.
• 2:55
  Speaker 6: Well that's when it's cheapest, and then you'll be thinking
• 2:59
  Speaker 6: about that.
• 3:00
  Speaker 2: Yes, but at that point, I don't need a coat.
• 3:03
  Speaker 2: I already have coats.
• 3:04
  Speaker 4: Yes, that is cheap, but I'm being impulsive, and then
• 3:06
  Speaker 4: come winter, I'm like I.
• 3:07
  Speaker 2: Wish I was more impulsive.
• 3:09
  Speaker 4: Yeah, it's I haven't managed to crack the cycle anyway,
• 3:14
  Speaker 4: beck House, you're weak being because I've gotten off track completely.
• 3:17
  Speaker 6: We've been really good. I'm a little bit sick, so
• 3:19
  Speaker 6: I apologize in advance. Fie you get away from us.
• 3:22
  Speaker 6: I know I'm lucky.
• 3:23
  Speaker 2: These studio is so big.
• 3:24
  Speaker 6: Yeah, I feel like we're at a safe distance right now.
• 3:27
  Speaker 6: But you know what, you know, you have that thing
• 3:29
  Speaker 6: like the back of your throat is itchy, but also
• 3:32
  Speaker 6: the nose holes and so you can't like you kind
• 3:35
  Speaker 6: of like you can't scratch. Yeah, exactly, do that thing
• 3:38
  Speaker 6: with your tongue and then you anyway.
• 3:39
  Speaker 2: You need to have some honey, like coat your throat
• 3:42
  Speaker 2: in some honey.
• 3:43
  Speaker 6: Yeah, honey, I feel like I want to get a
• 3:44
  Speaker 6: comb and just like car in the back.
• 3:48
  Speaker 2: I totally get that.
• 3:49
  Speaker 4: But this is the time when everybody who you know,
• 3:52
  Speaker 4: when you like get really sick and you're like, I
• 3:54
  Speaker 4: did not appreciate being able to breathe, yeah, some kind
• 3:58
  Speaker 4: of something instantly.
• 4:02
  Speaker 2: This is the time, Jess, breathe in. Yeah, take advantage
• 4:06
  Speaker 2: you got, but we value that. Yeah, I feel good.
• 4:10
  Speaker 5: Everyone who's listening right now, take a second.
• 4:12
  Speaker 2: Breathe in, ye, breathe in.
• 4:14
  Speaker 4: I'm so great appreciate the times that you can breathe
• 4:17
  Speaker 4: clearly use winter is coming, it's.
• 4:20
  Speaker 2: Not going to stick around.
• 4:21
  Speaker 6: I'm so grateful for those moments when I'm when I'm sick,
• 4:23
  Speaker 6: but I so take to take advantage when you really,
• 4:26
  Speaker 6: you know, when you have like a tongue alcer and
• 4:27
  Speaker 6: you're like, I can't remember what it's like to eat
• 4:31
  Speaker 6: without being in excruciating when I get ulcers.
• 4:35
  Speaker 4: So when I get very stressed, I get ulcers. Jess
• 4:38
  Speaker 4: has seen them before. They are hectic. Like one time
• 4:41
  Speaker 4: I was like, Jess, I've got this really bad also,
• 4:43
  Speaker 4: and she's like, yeah, yeah, whatever whatever, and I was like,
• 4:45
  Speaker 4: do you want to see it? And she's like yeah,
• 4:46
  Speaker 4: And I pull down my bottom lip and it's the
• 4:48
  Speaker 4: entirety all my black around my teeth, like along the
• 4:53
  Speaker 4: bottom of my like it was heavy, like five centimeters long.
• 4:56
  Speaker 2: And she's like, oh shit, put that away. That is
• 4:58
  Speaker 2: like mostly ulsa, you know, I mean disgusting.
• 5:01
  Speaker 4: Like it got to the point where I'm like not talking,
• 5:04
  Speaker 4: like I'm like trying to talk with my mouth not move.
• 5:06
  Speaker 2: It was painful.
• 5:07
  Speaker 4: So I've just decided maybe I should lower the stress
• 5:09
  Speaker 4: levels in my life.
• 5:11
  Speaker 2: Yeah, fair, fair, fair.
• 5:12
  Speaker 4: It hasn't happened in a very long time though. So
• 5:15
  Speaker 4: do you know what my favorite magnem is at the moment.
• 5:17
  Speaker 4: It's no, no, it's the white chocolate one.
• 5:21
  Speaker 2: It is.
• 5:22
  Speaker 4: It's like a white chocolate magdem with the passion fruit
• 5:26
  Speaker 4: and then biscuit in the crumb, getting worse though. That's nice,
• 5:30
  Speaker 4: it's getting worse. That is the best ice cream. But
• 5:34
  Speaker 4: I do find that there is a divide. There are
• 5:35
  Speaker 4: people who believe fruit in ice cream is acceptable, and
• 5:38
  Speaker 4: there are people who think the fruit in ice cream
• 5:40
  Speaker 4: is the devil. And I feel like you were like
• 5:42
  Speaker 4: fruit ice cream.
• 5:43
  Speaker 2: No, it should be chocolate. Absolutely, no, exactly legal.
• 5:46
  Speaker 6: You're eating dessert. Because you're eating dessert, you're.
• 5:50
  Speaker 2: Trying to get healthy.
• 5:51
  Speaker 4: See, I'm going to say something controversial, and I do
• 5:53
  Speaker 4: not believe in mixing nuts with chocolate.
• 5:57
  Speaker 2: Oh, I completely for a teller. Oh no, that's okay,
• 6:01
  Speaker 2: that's different.
• 6:01
  Speaker 4: But like pieces of nuts and fruit in chocolate should
• 6:05
  Speaker 4: be illegal, like the fruit, fruits and the fruit and
• 6:07
  Speaker 4: nut block illegal.
• 6:09
  Speaker 5: Like what like a hazel share.
• 6:13
  Speaker 2: That's a different, that's an experience. That's an experience. A lot.
• 6:21
  Speaker 2: There's a lot of food nuts in chocolate in general. Everything, Well,
• 6:27
  Speaker 2: that's you know what. I'm just going to stick to money.
• 6:31
  Speaker 2: I'm not a food blogger. You can leave that.
• 6:33
  Speaker 4: He can be like the food content creator and he
• 6:37
  Speaker 4: can make all of the root Yeah, he can make
• 6:38
  Speaker 4: all of the rules. He actually made me dinner last night,
• 6:41
  Speaker 4: which was yeah.
• 6:42
  Speaker 2: So slay. He made the most delicious chili honey butter.
• 6:46
  Speaker 2: Chili honey butter, just like a whipped butter with honey
• 6:49
  Speaker 2: and chill, like a chili creast. He said through it. Wow,
• 6:54
  Speaker 2: lovely gives.
• 6:55
  Speaker 4: And he was like, Oh, you don't have to eat
• 6:57
  Speaker 4: the bread and butter if you don't want Sorry.
• 7:00
  Speaker 2: It's the best bit. I beg your part exactly? Did
• 7:03
  Speaker 2: you want nothing? Yes? Seriously? Anyway, moving on, V.
• 7:07
  Speaker 4: How's your week? Oh, my week's been good. I had
• 7:09
  Speaker 4: dinner at a friend's.
• 7:10
  Speaker 2: House last night. They looked for me.
• 7:12
  Speaker 4: I've been up very late, like I didn't get home
• 7:15
  Speaker 4: until like nearly midnight, which, if you know me, that's
• 7:19
  Speaker 4: not okay.
• 7:19
  Speaker 2: See, and I'm very tired today. I don't regret it,
• 7:22
  Speaker 2: but I am very tired.
• 7:23
  Speaker 4: In fact, I ordered a large coffee, which, again, if
• 7:26
  Speaker 4: you know me, I never do because I believe in
• 7:28
  Speaker 4: like get a small coffee at the start of the day,
• 7:31
  Speaker 4: which means I can have another one later in the day.
• 7:34
  Speaker 4: And if I get a large at the start of
• 7:35
  Speaker 4: the day, I've capped out my caffeine.
• 7:37
  Speaker 2: Oh yeah, okay.
• 7:38
  Speaker 4: And it's not because there's rules on caffeine. It's because
• 7:41
  Speaker 4: I'll be a jittery mess. Yeah, it's going to work
• 7:44
  Speaker 4: for me. But today I'm going to be a jity mess.
• 7:48
  Speaker 2: Yeah. They love laugh absolutely.
• 7:51
  Speaker 4: Anyway, week's been good. I'm still on a high from
• 7:54
  Speaker 4: going to Canberra. Guys, the budget is so hot, Like, oh,
• 7:58
  Speaker 4: that was the coolest thing I interviewed the Minister for
• 8:01
  Speaker 4: Finance and women say less like I'm still just I'm
• 8:06
  Speaker 4: just excited about the fact that I did that.
• 8:08
  Speaker 2: That's really cool.
• 8:08
  Speaker 4: Anyway, still keep talking about it. The media is still
• 8:11
  Speaker 4: talking about.
• 8:12
  Speaker 2: How influencers were invited to Parliament House and they don't
• 8:15
  Speaker 2: believe in that, and it made me angry.
• 8:18
  Speaker 4: Made me so angry, especially like Millie Millie Rose Millie
• 8:22
  Speaker 4: Rose fannas she ripped a new one on TV.
• 8:25
  Speaker 2: I could not believe what the project did to her.
• 8:27
  Speaker 4: Like Millie is an incredible human being who has created
• 8:32
  Speaker 4: a charity from scratch, Like I'm going to put the
• 8:35
  Speaker 4: links to her charity and thew it's called All Kinds,
• 8:38
  Speaker 4: And she is honestly one of the coolest people ever.
• 8:42
  Speaker 4: She's created this charity, she's having a really big impact.
• 8:45
  Speaker 4: She does really beautiful content online and is not someone
• 8:49
  Speaker 4: that you would say oh, influencer, right. No, she has
• 8:53
  Speaker 4: a ambassadorship through Lulu Lemon, which honestly sligh from Lulu
• 8:58
  Speaker 4: Lemon to pick up someone who is genuine only impactful
• 9:01
  Speaker 4: in this space and go, you know what, We're gonna
• 9:03
  Speaker 4: work with you directly because impact totally. And they essentially
• 9:08
  Speaker 4: distilled her down to just being a Lulu Lemon Ambasssetta.
• 9:12
  Speaker 2: I did not mention anything about her charity, did not.
• 9:14
  Speaker 4: Mention anything about why she might have been there to
• 9:18
  Speaker 4: understand how change is being facilitated at Parliament House.
• 9:23
  Speaker 2: I was actually so mad for them.
• 9:26
  Speaker 4: We had, i would say, second teer news outlets reaching
• 9:29
  Speaker 4: out to people like me for comment being like, what
• 9:31
  Speaker 4: do you think about influencers being at Parliament House?
• 9:35
  Speaker 2: Guys?
• 9:35
  Speaker 4: Just because I was there for Tuesday. I was actually
• 9:37
  Speaker 4: there for the Wednesday. Obviously, I didn't make any type
• 9:40
  Speaker 4: of comment because I'm like, I'm not perpetuating this.
• 9:42
  Speaker 2: Yeah, be so real. I left them on red.
• 9:44
  Speaker 4: But I'm actually so angry because at the end of
• 9:48
  Speaker 4: the day, these quote influencers, if you look at every
• 9:51
  Speaker 4: single one of them, they are either a finance content
• 9:54
  Speaker 4: creator or a social media content creator that is tapping
• 9:58
  Speaker 4: into a market of people, usually women, who aren't understanding politics.
• 10:03
  Speaker 4: What a better way to get more people talking about
• 10:06
  Speaker 4: politics than getting the people that you already are engaging
• 10:10
  Speaker 4: with talking about it.
• 10:11
  Speaker 2: And it's just a point.
• 10:12
  Speaker 5: It's this divide and I know we're biased, but like
• 10:15
  Speaker 5: old media and new media, or traditional media and new media,
• 10:18
  Speaker 5: the way that new media is looked down upon when
• 10:20
  Speaker 5: you have outlets like The Daily Os and as you
• 10:23
  Speaker 5: were saying Millie Charity that they are engaging people in
• 10:26
  Speaker 5: a way that they haven't been before, it also mad me.
• 10:29
  Speaker 4: Really, not one was paid to be there, To be
• 10:31
  Speaker 4: very clear, I've seen a lot of liberal content come
• 10:35
  Speaker 4: out recently saying, oh, these influences were probably paid to
• 10:39
  Speaker 4: be here. No, we were offered an opportunity and a
• 10:42
  Speaker 4: seat at the table and we took it. In fact,
• 10:45
  Speaker 4: for a lot of these influences, it cost them a
• 10:48
  Speaker 4: lot to be there because they were taking time out
• 10:51
  Speaker 4: of their business, They were changing their plans to be
• 10:54
  Speaker 4: able to attend this, which they thought would be impactful
• 10:57
  Speaker 4: for their communities. There was no money exchanged. It was
• 11:00
  Speaker 4: we got off at a seat at a table, and
• 11:02
  Speaker 4: I was like, heck, yeah, I'm taking that. I'm taking
• 11:05
  Speaker 4: up space in a place that I've never felt welcome before.
• 11:08
  Speaker 2: Right, how cool? That is really cool.
• 11:10
  Speaker 4: Why aren't we talking about the fact that politics is
• 11:13
  Speaker 4: becoming more approachable, Like, at the end of the day,
• 11:16
  Speaker 4: I'm excited about this. You guys probably not as engaged
• 11:19
  Speaker 4: with the budget as I was. Every year I do
• 11:21
  Speaker 4: like a little budget rap of like my favorite things
• 11:24
  Speaker 4: out of the budget or the things that I think
• 11:26
  Speaker 4: are going to impact you the most, and like I
• 11:28
  Speaker 4: don't mean to toot our own horn, I do a
• 11:30
  Speaker 4: little bit. But at the end of the day, I
• 11:33
  Speaker 4: posted a screenshot of my notes app from the frantic
• 11:36
  Speaker 4: notes I was taking about the budget as I was
• 11:38
  Speaker 4: watching it, and that got thousands of likes. And these
• 11:42
  Speaker 4: traditional media outlets who were posting about influencers being in
• 11:47
  Speaker 4: Parliament House and whatnot, they got like four likes on
• 11:50
  Speaker 4: their budget posts. Be for real, people are in real
• 11:54
  Speaker 4: time engaging with our content. Maybe you should be doing
• 11:57
  Speaker 4: some reflecting about how that is being person and maybe
• 12:00
  Speaker 4: take a leaf out of our book. At the end
• 12:02
  Speaker 4: of the day, we are without filter sharing our opinions.
• 12:06
  Speaker 4: They're going through editor after editor getting signed off for
• 12:09
  Speaker 4: their content.
• 12:10
  Speaker 2: Nah, people are over it.
• 12:11
  Speaker 5: And just the fact that the majority of creators that
• 12:14
  Speaker 5: were being taken down were female to really upset me.
• 12:17
  Speaker 5: And I think again, like there's a lot of old bias,
• 12:20
  Speaker 5: particularly when it comes to the political space, and it
• 12:23
  Speaker 5: was really disappointing to see that play out. And it
• 12:25
  Speaker 5: was really hard to see, you know, Milli and you
• 12:29
  Speaker 5: and Tash and Emma and we had.
• 12:31
  Speaker 2: A lot of I was angry. But do you know
• 12:33
  Speaker 2: what MILLI like?
• 12:35
  Speaker 4: Go look it up because Millie handled herself with such
• 12:39
  Speaker 4: grace and she clapped back at them on National TV
• 12:43
  Speaker 4: and Icon. I'm desperate to watch it. I'm going to
• 12:46
  Speaker 4: show you straight after this. Anyway, let's move on from
• 12:48
  Speaker 4: this because they could go on and on. Do you
• 12:51
  Speaker 4: guys want me to read you a five star review?
• 12:53
  Speaker 1: Yes?
• 12:53
  Speaker 2: Please say less? All right, sit down.
• 12:57
  Speaker 4: This one is from Little Deer Hue five stars. Thank
• 13:00
  Speaker 4: you from the bottom of my heart. Thank you for
• 13:03
  Speaker 4: educating me about finances and money overall. I would never
• 13:06
  Speaker 4: have been this educated if it wasn't for your podcast
• 13:08
  Speaker 4: and engaging content.
• 13:10
  Speaker 2: I am so grateful for you. Oh c, thanks, Lil Dear,
• 13:16
  Speaker 2: thank you name yeah.
• 13:17
  Speaker 4: And it's like dad Eer so it's like the Little Animal,
• 13:22
  Speaker 4: very very cute, But let's get into it.
• 13:25
  Speaker 2: Jess.
• 13:25
  Speaker 4: You've been in the community this week looking at everyone's comments.
• 13:28
  Speaker 4: What are your favorite money wins?
• 13:30
  Speaker 2: Alrighty.
• 13:31
  Speaker 5: Firstly this week, I've got one from Rachel, who said
• 13:33
  Speaker 5: during my local Polarates Studios open day, they ran free
• 13:37
  Speaker 5: classes all morning and they provided a goodie bag which
• 13:39
  Speaker 5: had various freebies and discounts for local stores in the area.
• 13:43
  Speaker 5: She got a discount code for a free class, and
• 13:45
  Speaker 5: then she won an extra ten free classes on top
• 13:47
  Speaker 5: of that, so she managed to walk away with twelve
• 13:49
  Speaker 5: free classes POLARATEI Socks, Coffee, who Stunt voucher, and a
• 13:53
  Speaker 5: bunch of other discounts.
• 13:54
  Speaker 2: Oh that's great. Influencer revenge tonight. Love it. Yeah, I
• 13:57
  Speaker 2: think that's so cool.
• 13:59
  Speaker 5: Next, I got the money in from Asha, who said
• 14:01
  Speaker 5: it is dividend month for me.
• 14:03
  Speaker 2: We love a dividend month. I love that for you.
• 14:06
  Speaker 5: Money win from Rachel, who said she got her house
• 14:08
  Speaker 5: evaluated to sale. She spent the last six months renowing it,
• 14:11
  Speaker 5: and they did it all themselves. Turns out it's worth
• 14:14
  Speaker 5: more than one hundred thousand dollars than they thought it
• 14:17
  Speaker 5: would be.
• 14:17
  Speaker 4: So you made one hundred grand in the last twelve months,
• 14:20
  Speaker 4: baby pretty much.
• 14:21
  Speaker 5: She said, once they sell the money, we'll be able
• 14:24
  Speaker 5: to help them continue their IVF journey, which is really exciting.
• 14:27
  Speaker 5: They've spent a lot of money on it with no luck.
• 14:29
  Speaker 2: But fingers crossed for you, Rachel.
• 14:31
  Speaker 4: I've got all my fingers and all my toes crossed
• 14:33
  Speaker 4: and I'm sending you all the baby dust.
• 14:35
  Speaker 2: Absolutely.
• 14:37
  Speaker 5: Next lot of money win from Crystal, who said she
• 14:38
  Speaker 5: has two hundred and eleven dollars left to spend from
• 14:40
  Speaker 5: her salary packaging in the meal and entertainment category. Instead
• 14:43
  Speaker 5: of going out blowing on dinner, she's going to buy
• 14:45
  Speaker 5: a heap of food and freeze it. But she's got
• 14:49
  Speaker 5: her meals all set up, okay, she's not had money
• 14:50
  Speaker 5: on groceries.
• 14:51
  Speaker 2: Great ideas.
• 14:52
  Speaker 4: And I was talking about like salary sacrificing the other day,
• 14:56
  Speaker 4: and if you do salary sacrifice, it would be a
• 14:59
  Speaker 4: good time now to just do a bit of a
• 15:01
  Speaker 4: review and an audit of like whether this year you
• 15:03
  Speaker 4: used all of your salary packaging because it was it
• 15:07
  Speaker 4: worth it? Because so many of us go, yeah, we'll
• 15:09
  Speaker 4: totally be worth it. But then if you're spending it
• 15:12
  Speaker 4: on dining and eating out? Could that have gone to
• 15:14
  Speaker 4: something better? I'm not saying don't dine out.
• 15:17
  Speaker 2: That is not me.
• 15:18
  Speaker 4: I'm not a restriction girly, but if you didn't actually
• 15:21
  Speaker 4: use it, because like lots of us are aspirational. Yeah,
• 15:24
  Speaker 4: Like I'm a new mum. Do you know how many
• 15:25
  Speaker 4: times I've said we'll go out for dinner. We are
• 15:27
  Speaker 4: not going out for dinner. Like bedtime is seven thirty,
• 15:30
  Speaker 4: I'm not leaving the house. You can have uber eats.
• 15:32
  Speaker 2: My husband will meet you at the gate, because if
• 15:34
  Speaker 2: you wake up the baby, you are dead. To me.
• 15:37
  Speaker 4: But I think so many of us over estimate how
• 15:41
  Speaker 4: much we'll spend. Yeah, so like do a little bit
• 15:43
  Speaker 4: of an audit, do a little bit of a check
• 15:45
  Speaker 4: that pre financial yeah, and of financial year prep.
• 15:48
  Speaker 5: And then lastly, this week, I've got a money in
• 15:50
  Speaker 5: from Alex who said she moved houses recently and it's
• 15:53
  Speaker 5: forced her to go through the pantry with a fine
• 15:55
  Speaker 5: tooth comb. She's managed to cook and bake heaps of
• 15:58
  Speaker 5: stuff with you know, ingredients and bits and pieces she
• 16:00
  Speaker 5: already had, which meant the grocery bill has been so
• 16:03
  Speaker 5: much lower the pace.
• 16:04
  Speaker 2: Oh cod, that's good, such a good feeling. Yeah, and
• 16:07
  Speaker 2: that's it for me, lovely. Oh, it's your turn there, Well,
• 16:10
  Speaker 2: if I may.
• 16:11
  Speaker 6: I'm very excited about these ones, actually, but I also
• 16:13
  Speaker 6: don't want to talk it up too much because.
• 16:15
  Speaker 2: You might be to this point.
• 16:16
  Speaker 4: All right, well, let's just give us the first one
• 16:18
  Speaker 4: and we'll see how that goes.
• 16:19
  Speaker 2: Okay.
• 16:20
  Speaker 6: This first one comes from Alex with y love that name,
• 16:23
  Speaker 6: oh cute, who says that if you.
• 16:26
  Speaker 2: Just look into like Coals and Wars.
• 16:28
  Speaker 6: They have the knows every day extra and whatever the
• 16:31
  Speaker 6: Coals equivalent is. And with this subscription sometimes it's half priced.
• 16:35
  Speaker 6: So let's say thirty five dollars for the whole year, Yes,
• 16:39
  Speaker 6: and then you get half price.
• 16:41
  Speaker 2: Delivery, I believe.
• 16:42
  Speaker 6: But you also get every single month ten percent off.
• 16:45
  Speaker 6: I know this tould be true for the wool wors.
• 16:47
  Speaker 6: I don't know about Coals. I'm sure there's an equivalent
• 16:49
  Speaker 6: for that. But if you do your grocery shopping once
• 16:52
  Speaker 6: a month with that ten percent off.
• 16:53
  Speaker 4: Yeah, it always asks me at check out do you
• 16:55
  Speaker 4: want to use it on this this transaction?
• 16:58
  Speaker 2: Yeah? No, I don't.
• 16:59
  Speaker 4: I'm buying ten dollars worth of groceries for lunch today,
• 17:02
  Speaker 4: Like I do not want to be wasting that, but
• 17:04
  Speaker 4: I always get a little bit of a pang of anxiety,
• 17:06
  Speaker 4: thinking I'll click the wrong button and then I'll waste that.
• 17:09
  Speaker 6: Right of the big shop and don't go ever again.
• 17:15
  Speaker 4: Don't go to all wars for the rest of the month,
• 17:18
  Speaker 4: and then use the calls one the week after.
• 17:22
  Speaker 2: Thank them. You're saying loyalty doesn't pay.
• 17:26
  Speaker 6: Yes, Oh, actually, you know, I was thinking of just
• 17:28
  Speaker 6: getting the one, but you could do the two, great idea,
• 17:31
  Speaker 6: and if you're in a couple, then you get I'm
• 17:33
  Speaker 6: assuming if you're both buying one, you get the double.
• 17:36
  Speaker 4: Of the whole household a great Don't call Woolworst and
• 17:40
  Speaker 4: ask them whether that's ethical. I don't know if they're like, oh,
• 17:42
  Speaker 4: one per household, Like we can't hear you. Sorry, sorry, sorry,
• 17:47
  Speaker 4: you cut out.
• 17:48
  Speaker 6: Sorry, that's a that's a strange sounding tunnel. So Alex
• 17:56
  Speaker 6: said that the best wait until this goes half priced,
• 17:58
  Speaker 6: maybe your boxing day, so maybe you're after.
• 18:00
  Speaker 2: Payday sales and you really do get.
• 18:04
  Speaker 6: Way more out of it than it's actually So that's
• 18:07
  Speaker 6: my first break tip.
• 18:09
  Speaker 2: Yeah, what's number two?
• 18:10
  Speaker 6: The second one is actually from a close friend of ours,
• 18:14
  Speaker 6: a friend of the pod uh producer has.
• 18:17
  Speaker 2: Given us to go.
• 18:22
  Speaker 4: We're gonna have to get her on the show at
• 18:23
  Speaker 4: some point because she is the savviiest person ever. And
• 18:26
  Speaker 4: I know that she's been feeding you broke tips in
• 18:29
  Speaker 4: the background.
• 18:29
  Speaker 2: I just know.
• 18:30
  Speaker 4: I know she's been here going so clever beck under
• 18:33
  Speaker 4: the table. Here's another broke tip. Yes, it's so clever.
• 18:36
  Speaker 6: So this one Emma has tried and it has proven
• 18:39
  Speaker 6: to be true. So what you do is you google.
• 18:41
  Speaker 6: If you're getting takeaway, you google Dominoes. Yeah, I believe
• 18:46
  Speaker 6: you go to the website. Wouldn't hurt you go out,
• 18:48
  Speaker 6: You just press back. You Google pizza hut. Yeah, and
• 18:52
  Speaker 6: there should be an ad that comes up at the
• 18:55
  Speaker 6: top of the marketing.
• 18:57
  Speaker 4: Yes, yes, okay, they're getting real crafty, but right now
• 19:00
  Speaker 4: we're using their marketing to our advantage exactly.
• 19:03
  Speaker 6: And then it comes up at the top, just little
• 19:06
  Speaker 6: little ads saying Dominoes forty percent off and so you
• 19:08
  Speaker 6: get dominant.
• 19:10
  Speaker 2: That's so smart? Is that? That is so that is
• 19:16
  Speaker 2: saving money for ads. Jess is aware of this.
• 19:19
  Speaker 4: I don't know if you're aware of this, but if
• 19:20
  Speaker 4: you google Facebook ads library, you can find the Facebook
• 19:26
  Speaker 4: Ads Library and then once you're on that page, you
• 19:28
  Speaker 4: can type in your favorite brands. So say you love
• 19:31
  Speaker 4: Naked Harvest. Sorry Georgie, but I'm using you as an example,
• 19:34
  Speaker 4: So you love Naked Harvest. You can then type in
• 19:37
  Speaker 4: Naked Harvest into the Facebook ads library and it will
• 19:40
  Speaker 4: come up with every single ad that they're running, and
• 19:43
  Speaker 4: usually one of them is going to be a remarketing promotion,
• 19:47
  Speaker 4: and you can just.
• 19:47
  Speaker 2: Click into it.
• 19:48
  Speaker 4: Oh and you can be like, oh cool, there's my
• 19:50
  Speaker 4: ten percent discount code. God, that's good spam, so clever.
• 19:56
  Speaker 4: You can just see all of the ads that they're running.
• 19:58
  Speaker 2: Yes, thank you, that is so good. Yeah, genius.
• 20:01
  Speaker 4: But I want pizza always, and now we've got the
• 20:04
  Speaker 4: hack Absimilarly.
• 20:05
  Speaker 6: It's dangerous because docs is already pretty cheap, so I
• 20:08
  Speaker 6: feel like it's cheaper than just Double Shop.
• 20:11
  Speaker 4: They won't sponsor us anytime soon because we are undercutting them,
• 20:14
  Speaker 4: But I have no regrets.
• 20:16
  Speaker 2: Now, what is your broke tip?
• 20:18
  Speaker 6: Okay, my one. I saw this little thing and it
• 20:21
  Speaker 6: was on like Instagram, but it made me think. It's
• 20:23
  Speaker 6: called zif to z yft, but I believe it's very
• 20:26
  Speaker 6: similar to if you go into like the shops and
• 20:30
  Speaker 6: you literally just I'm not sure the equivalent is for iPhones,
• 20:33
  Speaker 6: but my one's called Google image search, where.
• 20:36
  Speaker 2: You just like Google image Google limit to perfect perfect.
• 20:39
  Speaker 7: Yes.
• 20:39
  Speaker 6: Right, So if you go into a shop and then
• 20:42
  Speaker 6: you literally just Google image search anything that you want
• 20:44
  Speaker 6: to buy, it's quite time consuming, I'm sure. But if
• 20:48
  Speaker 6: you go in and you're like, I'm going to spoil
• 20:50
  Speaker 6: myself and buy a really nice olive oil, you just
• 20:52
  Speaker 6: Google image search.
• 20:53
  Speaker 2: You see all the shopping will come up.
• 20:55
  Speaker 6: Everything, every price anywhere will come up in this Google
• 20:58
  Speaker 6: image search, hopefully, and you'll be able to see if
• 21:00
  Speaker 6: it's cheaper somewhere else. And it's honestly genius genius. So
• 21:05
  Speaker 6: I think even if it's like something that is that
• 21:07
  Speaker 6: looks the same, if it's a shirt, the sail was
• 21:09
  Speaker 6: in sas.
• 21:10
  Speaker 2: No, but it's genius. It's genius.
• 21:12
  Speaker 6: It's genius atop a shirt of lounge anything trying.
• 21:16
  Speaker 2: To get its cheaper than its savers. It wasn't.
• 21:20
  Speaker 6: It was Vinnie's in Richmond, and it's extremely expensive.
• 21:24
  Speaker 2: They're taking the mickey, they really are, And I'm like,
• 21:26
  Speaker 2: this is an opportunity shop. That's what shop is for.
• 21:28
  Speaker 2: So people who cannot afford this kind of stuff.
• 21:31
  Speaker 4: Feel like so many of them are taking the mickey.
• 21:32
  Speaker 4: I totally okay, you shouldn't be taking a dantage of it.
• 21:37
  Speaker 2: Absolutely not.
• 21:37
  Speaker 6: I don't like it and it was donated, Okay, so
• 21:41
  Speaker 6: I mean get it actual Pierce.
• 21:43
  Speaker 2: But okay, I know I don't like it. But I'm
• 21:47
  Speaker 2: assuming they are, you know, costs of the energy. They're
• 21:49
  Speaker 2: taking the mickey. Sometimes I'm like, they're taking the mickey.
• 21:52
  Speaker 4: You just told me it was Saint Vinnie's. They are
• 21:54
  Speaker 4: church run. They know you're taking the piss.
• 21:57
  Speaker 6: Yeah, that does not align with God, with.
• 22:00
  Speaker 2: Our values and spy.
• 22:03
  Speaker 6: But yes, so google image search before you buy anything,
• 22:07
  Speaker 6: So I do that.
• 22:08
  Speaker 2: I take it to the next level. Should I be
• 22:10
  Speaker 2: admitting this, I don't know.
• 22:12
  Speaker 4: But I will take photos of sorry, but I will
• 22:16
  Speaker 4: take screenshots of influencers content, Like if I like their
• 22:19
  Speaker 4: side table or you know, a trinket that they have
• 22:22
  Speaker 4: on a table and they've like, you know, posted it,
• 22:24
  Speaker 4: because I don't actually want to reply to their story
• 22:26
  Speaker 4: and be like where's that candle from? Just google image
• 22:29
  Speaker 4: search it? Yes, I google image search everything.
• 22:32
  Speaker 2: Isn't it good? Yep?
• 22:33
  Speaker 4: Photo of what they're wearing. I want your red shirt fantastic.
• 22:36
  Speaker 4: I'm just gonna easy snap a picture and find it
• 22:38
  Speaker 4: for myself. I am a resourceful queen. I don't need
• 22:41
  Speaker 4: anybody to tell me where to find stuff. I'm gonna
• 22:43
  Speaker 4: do it myself.
• 22:44
  Speaker 6: Good for you, Girlank you in time is money.
• 22:46
  Speaker 2: So that's another broke tip.
• 22:47
  Speaker 4: Exactly exactly. That's been really good. All right, let's go
• 22:50
  Speaker 4: to a really quick break on the flip side. We're
• 22:52
  Speaker 4: going to be helping answer a money dilemma. What do
• 22:55
  Speaker 4: you do when you have.
• 22:56
  Speaker 2: To sell your house because of a divorce?
• 22:58
  Speaker 4: Sticky and there, we've got something that you slid into
• 23:01
  Speaker 4: our dms about are you being dodgy if you don't
• 23:05
  Speaker 4: correct a shop when you know that they're undercharging you,
• 23:09
  Speaker 4: don't go anywhere? Guys, Welcome back everybody. Let's take a
• 23:16
  Speaker 4: listen to this week's money dilemma. Hi, there, have you
• 23:21
  Speaker 4: got a money dilemma you just can't solve that. She's
• 23:24
  Speaker 4: on the Money team is here to help. Every week
• 23:27
  Speaker 4: we tackle your dilemmas, both big and small, to answer
• 23:29
  Speaker 4: your most burning money, career and life questions. To get involved,
• 23:33
  Speaker 4: simply head to our website and leave us a short
• 23:35
  Speaker 4: voice recording and you might just find yourself on the show. Now,
• 23:39
  Speaker 4: let's take a listen to this week's money dilemma.
• 23:43
  Speaker 7: Hi, she's on the money. I'm a thirty year old
• 23:46
  Speaker 7: single mum to three beautiful kids. I recently had to
• 23:50
  Speaker 7: sell my family home as part of a really messy divorce. However,
• 23:55
  Speaker 7: I've been left with quite a large lump sum of
• 23:58
  Speaker 7: money from that sale. I've got now about one hundred
• 24:01
  Speaker 7: and forty thousand dollars in the bank. Unfortunately, though, due
• 24:06
  Speaker 7: to the house prices and interest rates, I've been in
• 24:09
  Speaker 7: touch with a broker and I'm unable to borrow what
• 24:12
  Speaker 7: I would need to repurchase the house. I'm just kind
• 24:16
  Speaker 7: of wondering what should I do.
• 24:18
  Speaker 8: I'm a registered nurse, I'm already working as much as
• 24:22
  Speaker 8: I can, more really than what I should be, and
• 24:27
  Speaker 8: I just feel like I'm in a massive money dilemma
• 24:30
  Speaker 8: with do I just leave my money in a high
• 24:33
  Speaker 8: interest savings account with the hopes I can buy if
• 24:36
  Speaker 8: prices improve or interest rates improve. I just don't know,
• 24:41
  Speaker 8: and I could really do with some advice.
• 24:43
  Speaker 2: That's really hard. I'm sorry that you're going through this.
• 24:45
  Speaker 5: I know that trying to figure out what to do
• 24:48
  Speaker 5: with your finances is already hard enough without then overlaying
• 24:52
  Speaker 5: all of the emotional trauma that comes with something this,
• 24:55
  Speaker 5: particularly if it's a messy divorce. So I'm really sorry
• 24:57
  Speaker 5: that you're going through that. My thought would be that
• 25:00
  Speaker 5: you're probably in an adjustment period right now. You're used
• 25:04
  Speaker 5: to splitting expenses, your rent, your groceries, your utilities, which
• 25:09
  Speaker 5: may not be the case anymore.
• 25:10
  Speaker 2: Yeah.
• 25:11
  Speaker 4: No one talks about how when you get a divorce
• 25:13
  Speaker 4: everything just doubles, like it.
• 25:14
  Speaker 5: Yeah, same, It's like the single tax, right like.
• 25:17
  Speaker 2: One hundred pc. The single tax.
• 25:18
  Speaker 5: Inherently just becomes more expensive for you. And knowing that
• 25:22
  Speaker 5: you've got your three beautiful babies as well, I think
• 25:25
  Speaker 5: that maybe just takes some time and adjust to what
• 25:28
  Speaker 5: this new season of life looks like for you. You might
• 25:31
  Speaker 5: find that there are expenses you weren't prepared for. You know,
• 25:34
  Speaker 5: you don't really have any historical data to go off
• 25:37
  Speaker 5: in terms of setting up your budget and stuff. So
• 25:40
  Speaker 5: I would probably be inclined to say, for a little bit,
• 25:42
  Speaker 5: keep it in a high entert savings account. You don't
• 25:45
  Speaker 5: need to make that decision right now, similar to kind
• 25:47
  Speaker 5: of like what Victoria would say, when you receive an inheritance,
• 25:51
  Speaker 5: you don't have to move the lump some super quickly
• 25:54
  Speaker 5: or immediately, like, let's get used to what things look
• 25:57
  Speaker 5: like for you now and then you can make them
• 26:00
  Speaker 5: more informed decision down the track.
• 26:02
  Speaker 2: Beck, what are you doing?
• 26:03
  Speaker 6: I'm saying, it's a very similar thing in my mind though,
• 26:07
  Speaker 6: and I know it's very complicated and I'm not sure
• 26:10
  Speaker 6: what this our listener's situation's like, but I'm really hoping
• 26:14
  Speaker 6: that the laybor the mental and emotional labor of like
• 26:17
  Speaker 6: you know, child rearing and child caring doesn't all by default,
• 26:24
  Speaker 6: because I believe did that Did our listener say that
• 26:25
  Speaker 6: she's a single parrot?
• 26:26
  Speaker 3: Now?
• 26:27
  Speaker 5: Yeah?
• 26:27
  Speaker 6: And I'm like, that's you know, you both decide to
• 26:30
  Speaker 6: have children, so it's suck said. It just kind of
• 26:32
  Speaker 6: sounds like it's all falling on one person. But anyway,
• 26:36
  Speaker 6: I don't know the situation, so I'm hoping that the
• 26:40
  Speaker 6: expenses and the labor and the running around after people
• 26:44
  Speaker 6: and taking care of everyone is equal there.
• 26:47
  Speaker 2: That's all I'm going to say.
• 26:48
  Speaker 6: It has nothing to do with what our listener is asking,
• 26:50
  Speaker 6: and I'm very sorry.
• 26:51
  Speaker 2: So I would just the same thing.
• 26:52
  Speaker 6: I would keep it in a high indrant savings account
• 26:56
  Speaker 6: until exactly you kind of figure out what the new
• 27:00
  Speaker 6: normal is like.
• 27:02
  Speaker 2: I guess.
• 27:02
  Speaker 6: I mean, it depends on where you live and what
• 27:04
  Speaker 6: you're actually able, what you have capacity for. But maybe
• 27:08
  Speaker 6: just like trying to find like really affordable housing right now,
• 27:12
  Speaker 6: which is very very hard to do. I don't know
• 27:14
  Speaker 6: if you're renting or if you're currently living in a
• 27:16
  Speaker 6: house that you both bought, or what the situation is like,
• 27:19
  Speaker 6: but yeah, just trying to get on top of that,
• 27:22
  Speaker 6: figure out what your expenses are and then going from there.
• 27:26
  Speaker 6: And it might mean I know, a couple of weeks ago,
• 27:28
  Speaker 6: maybe we had someone on talking about should you move
• 27:31
  Speaker 6: to afford something nice or stay where you are around
• 27:36
  Speaker 6: your community, and I'm kind of like more in the
• 27:39
  Speaker 6: boat of that. But if it means you have to
• 27:41
  Speaker 6: move out a little bit further than where you are
• 27:43
  Speaker 6: or whatever to find something more affordable, that's also an option.
• 27:47
  Speaker 6: But yeah, I think absolutely what Jessa is saying, high
• 27:49
  Speaker 6: interest Aman's account, figure out what your new normal looks
• 27:51
  Speaker 6: like and kind of go from there.
• 27:54
  Speaker 2: I love that.
• 27:55
  Speaker 4: So when I'm thinking about this, We're going to do
• 27:58
  Speaker 4: some episodes soon on divorce because I think that so
• 28:01
  Speaker 4: many people are going through this and it feels like
• 28:04
  Speaker 4: the blind leading the blind sometimes, like I'm speaking to
• 28:07
  Speaker 4: so many girlfriends who unfortunately are going through this situation.
• 28:10
  Speaker 4: At the moment, it can get messy, and then you
• 28:13
  Speaker 4: get these lump some payments and you feel overwhelmed and
• 28:15
  Speaker 4: you don't know what to do. But you also know
• 28:17
  Speaker 4: that you want future financial security, but you also want
• 28:20
  Speaker 4: to provide for your kids, but you also just you
• 28:22
  Speaker 4: feel stuck. Now just because you can't afford property doesn't
• 28:26
  Speaker 4: mean you can't invest. And with one hundred and forty
• 28:30
  Speaker 4: thousand dollars, you can afford to pay for financial advice
• 28:36
  Speaker 4: and I absolutely would be doing this. Like at the
• 28:39
  Speaker 4: end of the day, being a single mum is hard.
• 28:42
  Speaker 4: You have three kids to look after and all out
• 28:44
  Speaker 4: here just trying to do our best.
• 28:46
  Speaker 1: Right.
• 28:46
  Speaker 4: You said you're a nurse, so finance isn't the first
• 28:49
  Speaker 4: thing that you completely understand. I'm not saying that you're
• 28:52
  Speaker 4: not intelligent, but go get someone who can put you
• 28:55
  Speaker 4: on absolutely the right track to not only find your
• 28:59
  Speaker 4: feet but thrive, because with that one hundred and forty
• 29:03
  Speaker 4: thousand dollars you could invest it like that that could
• 29:05
  Speaker 4: work really well, like you could have a share portfolio.
• 29:08
  Speaker 4: We could step back and be like, you know what,
• 29:09
  Speaker 4: the property market is actual cooked.
• 29:11
  Speaker 2: I actually don't want to have anything to do with that.
• 29:14
  Speaker 2: You know what I'm going to do.
• 29:15
  Speaker 4: I'm going to rent a really nice house and call
• 29:18
  Speaker 4: it for property, but to rent a nice house, and
• 29:20
  Speaker 4: you know what, I might even talk to the real
• 29:22
  Speaker 4: estate agent about negotiating a long release so I feel
• 29:25
  Speaker 4: like I have more stability, Like can I have a two, three,
• 29:29
  Speaker 4: five year lease that is becoming.
• 29:30
  Speaker 2: More and more popular?
• 29:33
  Speaker 4: Then if you had invested that one hundred and forty
• 29:36
  Speaker 4: thousand dollars, all right, so we've got that cash, we're
• 29:38
  Speaker 4: going to put it into the share market in thirty
• 29:41
  Speaker 4: years time at an average rate of return of nine
• 29:43
  Speaker 4: and a half percent, which we know is the average
• 29:45
  Speaker 4: market returns for the Australian share market over the last
• 29:48
  Speaker 4: thirty years. If you're invested for thirty years, that one
• 29:51
  Speaker 4: forty without any additional contributions is going to become two
• 29:55
  Speaker 4: point three million dollars.
• 29:56
  Speaker 2: WHOA. That is going to mean that you could retire
• 29:59
  Speaker 2: very comfortably.
• 30:00
  Speaker 4: In saying that you need financial advice because you've got
• 30:03
  Speaker 4: three kids, what costs a were incurring? What amount are we
• 30:08
  Speaker 4: keeping aside for a healthy emergency fund so that you
• 30:11
  Speaker 4: don't feel financial pressure because as much as you might go,
• 30:16
  Speaker 4: housing equals security, like I feel secure, Like I don't
• 30:19
  Speaker 4: feel like I'm providing for my kids right now. I
• 30:22
  Speaker 4: promise having a mortgage that is stressing you every single
• 30:25
  Speaker 4: month is not going to be as valuable as you
• 30:28
  Speaker 4: think it is than having an emergency fund that you know,
• 30:31
  Speaker 4: if the kids come home with another permission slip for
• 30:34
  Speaker 4: a excursion that's a couple of one hundred dollars, you
• 30:36
  Speaker 4: could be like, yeah, norries, Like I've got that covered.
• 30:39
  Speaker 4: Like what's going to make you feel like the best
• 30:42
  Speaker 4: mum that you want to be? Like, what's going to
• 30:44
  Speaker 4: give you that freedom to be the mum you want
• 30:46
  Speaker 4: to be in this situation because more often than not,
• 30:49
  Speaker 4: when you're going through a divorce, you didn't have three
• 30:51
  Speaker 4: kids thinking you'd be bringing them up on your own,
• 30:54
  Speaker 4: Like that's not most people's plan, Like most people, and
• 30:58
  Speaker 4: like I have spoken to a lot of women who
• 31:00
  Speaker 4: have gone through divorce, They're like, girl, I love my kids.
• 31:03
  Speaker 4: I would not change a thing about my life, Like
• 31:06
  Speaker 4: that's not it. But had I thought that I would
• 31:08
  Speaker 4: be a single mum, I would have stopped at one. Like,
• 31:10
  Speaker 4: you know, I never really comprehended the idea that this
• 31:13
  Speaker 4: wasn't forever and you're not planning on it, Like, I
• 31:16
  Speaker 4: don't think anybody like gets married with the intention of leaving. Like,
• 31:21
  Speaker 4: don't get me wrong, Like, we have all the best intentions,
• 31:24
  Speaker 4: but we need to create some really solid plans to
• 31:26
  Speaker 4: put you in the best possible position. So for me,
• 31:29
  Speaker 4: that would actually start with financial advice, because just feeling
• 31:33
  Speaker 4: like you're doing the right thing is one thing, but
• 31:35
  Speaker 4: to have someone on your team getting shit done is
• 31:40
  Speaker 4: going to take it to the next level. You're going
• 31:41
  Speaker 4: to feel so financially secure. We're gonna look at your
• 31:44
  Speaker 4: super we're gonna look at your savings, we're gonna look
• 31:46
  Speaker 4: at your lump sum.
• 31:48
  Speaker 2: We're going to make sure.
• 31:48
  Speaker 4: That future you is okay. But we're giving these kids
• 31:51
  Speaker 4: the life that you want to give them. Slay, let's
• 31:55
  Speaker 4: do that. Like, that's an investment into your future that
• 31:58
  Speaker 4: I think you should be making. Because even if we
• 32:01
  Speaker 4: go all right, we're going to speak to a financial advisor,
• 32:03
  Speaker 4: and with my salary, I can't afford a mortgage. But
• 32:05
  Speaker 4: what I'm going to do is invest the lump sum
• 32:08
  Speaker 4: of money and then I'm going to contribute to that
• 32:10
  Speaker 4: each and every single month. And we're investing I don't know,
• 32:12
  Speaker 4: five hundred bucks each and every single month, that investment
• 32:15
  Speaker 4: portfolio goes from two point three million dollars to three
• 32:18
  Speaker 4: point four million dollars. Like, we are creating financial freedom
• 32:22
  Speaker 4: for ourselves. You are creating legacy for your children. You
• 32:26
  Speaker 4: are creating financial security for them and for me, that
• 32:30
  Speaker 4: to me, now i am a mum, feels much more
• 32:32
  Speaker 4: secure than just getting into a property like property very sexy. Yeah,
• 32:37
  Speaker 4: I feel like, especially in Australia, we look at property
• 32:40
  Speaker 4: and go we can see it, we can touch it,
• 32:42
  Speaker 4: we can taste it, we can feel it.
• 32:43
  Speaker 2: It feels secure.
• 32:45
  Speaker 4: That doesn't necessarily mean financially that's the best decision. And
• 32:49
  Speaker 4: sometimes we have to make decisions that are in line
• 32:51
  Speaker 4: with our strategy, not just in line without emotions. All right, Jess,
• 32:55
  Speaker 4: would you like to jump into the juicy DM?
• 32:57
  Speaker 2: Absolutely?
• 32:58
  Speaker 4: All right? So the DM we got this week or right,
• 33:01
  Speaker 4: che's on the money? Tell me if I'm being dodgy.
• 33:04
  Speaker 2: My husband and I were buying a fridge and a
• 33:06
  Speaker 2: washing machine from one of the big chain stores, and
• 33:09
  Speaker 2: when the staff wrong it up, the total came out
• 33:12
  Speaker 2: way cheaper than we expected, which is paid and left
• 33:15
  Speaker 2: before anybody said anything. I thought we both realized at
• 33:18
  Speaker 2: the time. But when I brought it up, he suddenly
• 33:21
  Speaker 2: got all serious, saying we need to go back and
• 33:23
  Speaker 2: fix that. I was like, are you kidding?
• 33:25
  Speaker 4: If they overcharged us, they wouldn't be chasing us down
• 33:28
  Speaker 4: to give our money back. Big stores make mistakes all
• 33:31
  Speaker 4: the time. They've probably got insurance for this. It's not
• 33:34
  Speaker 4: like we scammed a family run cafe or something.
• 33:37
  Speaker 2: He reckons it's about doing the right thing.
• 33:40
  Speaker 4: But I kind of think it's retail karma and we
• 33:42
  Speaker 4: should just be taking the money win. Who actually is
• 33:46
  Speaker 4: in the wrong here.
• 33:48
  Speaker 6: I would not even second, like think about it for
• 33:52
  Speaker 6: one second. I would not question anything. I'm taking it
• 33:56
  Speaker 6: and I'm running unless it's like a small business, as
• 34:00
  Speaker 6: they're saying, small business, you know, little cafe, a family
• 34:04
  Speaker 6: run anything like something that's smaller on the smaller scale.
• 34:08
  Speaker 2: I'm not doing that. I get it. I get where
• 34:10
  Speaker 2: that anxiety would come from. That feeling. Yeah, yeah, but
• 34:13
  Speaker 2: really it's like.
• 34:14
  Speaker 6: A money win as far as I'm because then great,
• 34:17
  Speaker 6: because I can promise you.
• 34:19
  Speaker 2: So you need to go in and be like, sir,
• 34:21
  Speaker 2: we're not going back. Ah.
• 34:23
  Speaker 6: Yeah, no, I'm saying to your husband right now, don't
• 34:26
  Speaker 6: worry about it.
• 34:27
  Speaker 2: Sleep easy, I'm not worried. Don't worry about them.
• 34:30
  Speaker 6: Plus, the prophecies that these guys are bring in disgusting.
• 34:33
  Speaker 4: Can I take a stab in the dark, Yes, Jessica.
• 34:36
  Speaker 4: The guilt would eat you away, wouldn't it.
• 34:38
  Speaker 5: I have been known to go back to a shop
• 34:41
  Speaker 5: if I've realized that I haven't paid for something. But
• 34:43
  Speaker 5: I like, I agree with your perspective. Like, I think
• 34:45
  Speaker 5: big corporations very much take advantage of the little guy
• 34:49
  Speaker 5: on the daily.
• 34:50
  Speaker 2: Yeah, it's just I taking a power back. Yeah, like,
• 34:53
  Speaker 2: and I'm all for that.
• 34:54
  Speaker 5: I just know that I personally like it will keep
• 34:58
  Speaker 5: me up at night if I feel like I've done
• 35:00
  Speaker 5: the wrong thing, and that's something that I would feel
• 35:02
  Speaker 5: is coming a lot of guilt over. But yeah, I
• 35:05
  Speaker 5: see both sides. I think the you know, electronics are
• 35:08
  Speaker 5: also a high ticket item. It's not like a fifteen
• 35:11
  Speaker 5: dollar you know, tet or.
• 35:13
  Speaker 2: Something like that. So I get it.
• 35:15
  Speaker 5: There's always the chance that if you got This is
• 35:18
  Speaker 5: very specific, but like if you've got them delivered, like
• 35:20
  Speaker 5: if they might notice when like.
• 35:23
  Speaker 2: The invoice or something.
• 35:24
  Speaker 5: Yeah, well, because the way that it works, if that's
• 35:26
  Speaker 5: what they've done, is if you've only paid for one item,
• 35:28
  Speaker 5: that is the only item that will be on your invoice.
• 35:31
  Speaker 2: So then if you've bought like.
• 35:32
  Speaker 4: A wasp and then you're not having that item delivered,
• 35:36
  Speaker 4: will be like you don't actually have a washer and
• 35:38
  Speaker 4: a dryer?
• 35:38
  Speaker 2: Yeah, and yes I do, And they'll be like, show
• 35:42
  Speaker 2: me your receipt.
• 35:42
  Speaker 1: Yeah.
• 35:42
  Speaker 2: Yeah.
• 35:42
  Speaker 5: Yeah, So there's a chance that it might just kind
• 35:44
  Speaker 5: of course correct itself anyway, depending on you know, what you've.
• 35:47
  Speaker 2: Bought, so you're relying on course correction.
• 35:50
  Speaker 5: I feel like maybe that's a happy middle for them,
• 35:52
  Speaker 5: you know what I mean, Like if you guys can't
• 35:54
  Speaker 5: come to an agreement, maybe you go, okay, well it's
• 35:55
  Speaker 5: in the universe.
• 35:56
  Speaker 4: Universe.
• 35:57
  Speaker 5: Yeah.
• 35:58
  Speaker 4: I don't know how I feel about this. I think
• 36:00
  Speaker 4: I am definitely known for letting people know that they're
• 36:03
  Speaker 4: not charging me. The other day at the airport, I
• 36:05
  Speaker 4: ordered two fruit salads and she was like, yep, let
• 36:08
  Speaker 4: me go get them. Like the chargey thing will come
• 36:11
  Speaker 4: up and then it never did, and she came back
• 36:13
  Speaker 4: and was like, here's your fruit salads.
• 36:14
  Speaker 2: Have a good day.
• 36:14
  Speaker 4: And I was like, you haven't charged me, because she
• 36:16
  Speaker 4: clearly didn't click the thing.
• 36:18
  Speaker 2: And she was like, oh my god.
• 36:19
  Speaker 4: Other people would just walk away, and I'm like, the
• 36:21
  Speaker 4: gilt would eat me alive. But a year ago or so,
• 36:25
  Speaker 4: I accidentally stole a whole roast chicken from Coals Coals.
• 36:29
  Speaker 4: I'm so sorry. I did try to pay them back though,
• 36:32
  Speaker 4: because like I stole it.
• 36:33
  Speaker 2: I walked out.
• 36:34
  Speaker 4: I'd gone through self checkout, but you know when you
• 36:36
  Speaker 4: like grab more items than you think you were going to,
• 36:39
  Speaker 4: so you didn't grab a basket, I'd put the roast chicken.
• 36:43
  Speaker 4: I took the slip and put it on my arm right,
• 36:46
  Speaker 4: and so then I had all these other items and
• 36:48
  Speaker 4: I'm checking out, and because I had my handbag and
• 36:50
  Speaker 4: a roast chicken on my arm, I literally didn't scan
• 36:53
  Speaker 4: it at self checkout.
• 36:54
  Speaker 2: Left.
• 36:54
  Speaker 4: I stole a whole chicken. Guys got home realized what
• 36:57
  Speaker 4: I'd done. I'm not going back to the shops. It's
• 37:00
  Speaker 4: not happening. I ate the roast chicken. Ten out of
• 37:03
  Speaker 4: ten roast chicken. It does indeed taste better when it
• 37:05
  Speaker 4: is free. So then the next time I was at Corals,
• 37:09
  Speaker 4: I went up to the you know, the area where
• 37:10
  Speaker 4: they like sell cigarettes, and I was like, oh, no,
• 37:12
  Speaker 4: you probably have it on a camera, Like I didn't
• 37:15
  Speaker 4: want to be blacklisted.
• 37:16
  Speaker 2: I don't know, do they like I don't know.
• 37:18
  Speaker 4: At my Long Call supermarket, which is like a boutique supermarket,
• 37:21
  Speaker 4: not the one I went to, there's actually a sign
• 37:23
  Speaker 4: up at the front door and I'll take a photo
• 37:25
  Speaker 4: of it and put it on socials because it's funny
• 37:27
  Speaker 4: and it's of this guy who clearly steals a lot
• 37:30
  Speaker 4: from them, and it says band for Life, and it
• 37:33
  Speaker 4: says photo of this guy going through a checkout.
• 37:35
  Speaker 2: And I just have that in my mind, thinking your
• 37:38
  Speaker 2: face outside cos he's a listed. Funny because like they've
• 37:45
  Speaker 2: got AI and stuff at the checkout.
• 37:46
  Speaker 4: I don't know, maybe they're gonna be like this woman
• 37:49
  Speaker 4: steals chickens. Anyway, I was like, I'm going to go
• 37:53
  Speaker 4: back up, and I said to the girl, Hey, this
• 37:54
  Speaker 4: like really awkward thing happened, and like I explained to
• 37:57
  Speaker 4: this whole process in the same way that I just
• 37:59
  Speaker 4: explained it to your because I was like this is
• 38:01
  Speaker 4: so awkward and she's like, just leave it and I
• 38:04
  Speaker 4: was like no, but like, should I pay you for
• 38:05
  Speaker 4: the chicken now? She's like, I don't even know how
• 38:08
  Speaker 4: to do that, and I was like, okay enough. She's
• 38:11
  Speaker 4: like just a win is a win kind of vibes,
• 38:13
  Speaker 4: and I was like, okay, well I tried, but I
• 38:16
  Speaker 4: don't think they'll do the same for a washing machine
• 38:18
  Speaker 4: and a dryer. But I mean, I think it all
• 38:20
  Speaker 4: comes down to, like you personally, I don't think it's
• 38:24
  Speaker 4: the end of the world. I don't judge anyone for
• 38:26
  Speaker 4: not what if you didn't notice.
• 38:29
  Speaker 2: Well, that's the thing.
• 38:29
  Speaker 5: I'm sure it happens all the time where people do
• 38:31
  Speaker 5: and they just go, oh, well, they must have been
• 38:33
  Speaker 5: on sale.
• 38:33
  Speaker 2: Yeah.
• 38:33
  Speaker 4: And I remember checking my statement once and I got
• 38:36
  Speaker 4: overcharged for a coffee and I was like, rude, but
• 38:39
  Speaker 4: I can't be bothered fixing that.
• 38:41
  Speaker 2: Well, that's true. It kind of calming financial privilege.
• 38:43
  Speaker 4: But at the end of the day, I was like, oh,
• 38:45
  Speaker 4: but like, things happen, and I do think I don't know.
• 38:48
  Speaker 4: I feel like karma comes around and we should do
• 38:52
  Speaker 4: the right thing where possible. If it's a big come
• 38:54
  Speaker 4: it's very different than if you went to a mum
• 38:56
  Speaker 4: and dad electrical company and bought a washing machine off
• 39:00
  Speaker 4: than if you went and bought it off one of
• 39:02
  Speaker 4: the big guys.
• 39:03
  Speaker 6: Absolutely, if you're not even making a dent in the
• 39:06
  Speaker 6: whole ecosystem, I agree, then whatever, But yeah, a small business,
• 39:12
  Speaker 6: you want a media community?
• 39:13
  Speaker 4: I do, actually right, So we said if this happened
• 39:16
  Speaker 4: to you, would you go back and tell them? Turns
• 39:18
  Speaker 4: out most people are bes because only eight percent of
• 39:21
  Speaker 4: people said, yeah, I'll.
• 39:23
  Speaker 2: Go do the right thing in this economy I get it.
• 39:25
  Speaker 4: Yeah, in this economy judgment, we're just talking about our
• 39:28
  Speaker 4: personal experiences. Thirty four percent of you said, depends on
• 39:32
  Speaker 4: the amount, and fifty eight percent of you said no,
• 39:34
  Speaker 4: taking the money.
• 39:35
  Speaker 2: In gorgeous love this.
• 39:37
  Speaker 4: We then asked big retail chains deserve the same ethical
• 39:40
  Speaker 4: treatment as small businesses. No surprises here are Sixty three
• 39:44
  Speaker 4: percent of you said big retail is not the same
• 39:47
  Speaker 4: as small business.
• 39:48
  Speaker 2: Nine percent of you said, yeah, wrong is wrong?
• 39:50
  Speaker 4: Okay, in twenty eight percent of you said, depending on
• 39:53
  Speaker 4: the size of the mistake. Now I love that. But
• 39:56
  Speaker 4: then we also, as always said, to the community, whilst
• 39:59
  Speaker 4: your two cent first person said, I just assume it
• 40:02
  Speaker 4: was a really good sale. I'm not gonna think twice.
• 40:05
  Speaker 4: Another person said I don't.
• 40:07
  Speaker 2: Want any excuse for karma.
• 40:09
  Speaker 4: I'm going to go back just purely to try and
• 40:12
  Speaker 4: avoid the bad juju fair. Someone else said I would
• 40:15
  Speaker 4: be worried about potential claims on the warranty.
• 40:18
  Speaker 2: Think about that point yep.
• 40:21
  Speaker 4: Someone else said, you can google the profits those places
• 40:24
  Speaker 4: are making and the salaries of the CEOs.
• 40:27
  Speaker 2: You won't feel so bad after that.
• 40:29
  Speaker 5: Yeah, yep.
• 40:30
  Speaker 4: Someone else said, sounds like OP is seeking justification for theft.
• 40:34
  Speaker 2: Wrong. It's wrong, scary, so spicy.
• 40:39
  Speaker 4: Someone else said, my mum works for a big retailer.
• 40:41
  Speaker 4: The markup is crazy. They actually lost nothing. Take your
• 40:45
  Speaker 4: win and run, yes girl. Another person said people often
• 40:48
  Speaker 4: forget that some places we see as chains actually franchises
• 40:52
  Speaker 4: that are run by small families.
• 40:53
  Speaker 2: That's also a really sam great call. Yeah, but I
• 40:56
  Speaker 2: don't Yeah, maybe we google it. Someone has said ethically
• 41:00
  Speaker 2: thinking it does feel a lot like theft big company,
• 41:03
  Speaker 2: though it calls little people with shares impacted. I think
• 41:08
  Speaker 2: their shares will be impacted.
• 41:10
  Speaker 6: Nah.
• 41:10
  Speaker 4: No, So honestly, all businesses have some level of risk
• 41:15
  Speaker 4: built into their budgets as insurance, like if it's so big,
• 41:19
  Speaker 4: they'll claim on insurance, or you know what, if it's
• 41:21
  Speaker 4: that bad that sales assistant will call you and be like, hey, Jessica,
• 41:24
  Speaker 4: I made a mistake.
• 41:25
  Speaker 2: I need to fix it up. And you're going, oh,
• 41:27
  Speaker 2: I didn't even realize, Like, actually that happens, and it
• 41:30
  Speaker 2: totally that's it from me and from the community. Gorgeous. Well,
• 41:35
  Speaker 2: I hope you guys have a lovely weekend. Yeah, after
• 41:37
  Speaker 2: school weekend, We'll see.
• 41:38
  Speaker 4: You Monday morning, bright and early for our money diary,
• 41:41
  Speaker 4: so you guys. By the advice shared on She's on
• 41:49
  Speaker 4: the Money is generally nature and does not consider your
• 41:52
  Speaker 4: individual circumstances. She's on the Money exists purely for educational
• 41:57
  Speaker 4: purposes and should not be relied upon to make an
• 41:59
  Speaker 4: investment or financial decision. If you do choose to buy
• 42:02
  Speaker 4: a financial product, read the PDS TMD and obtain appropriate financial.
• 42:07
  Speaker 2: Advice tailored towards your needs.
• 42:09
  Speaker 4: Victoria Divine and She's on the Money are authorized representatives
• 42:13
  Speaker 4: of Money sherper P T y lt D A b
• 42:15
  Speaker 4: N three two one six four nine two seven seven
• 42:19
  Speaker 4: zero eight AFS L four five one two eight nine,