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Share House, Shared Costs? · She's On The Money

0:00
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
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Speaker 1: we get started on She's on the Money podcast, I
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Speaker 1: would like to acknowledge the traditional custodians of the land
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
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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.
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Speaker 4: Hello and welcome to She's on the Money, the podcast
1:00
Speaker 4: for millennials who want financial freedom. Today is Friday, my Friends,
1:05
Speaker 4: which means it is time to get the team together
1:06
Speaker 4: and celebrate you how incredible She's on the Money community. Today,
1:11
Speaker 4: we'll be sharing our favorite money wins. We'll be helping
1:13
Speaker 4: to answer a juicy money dilemma which this week is
1:15
Speaker 4: all about if you're ever too old to become financially free,
1:19
Speaker 4: and we unpacked something that you slid into our dms
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Speaker 4: about all about sharing costs in a share house, team. Welcome,
1:27
Speaker 4: How has your week been?
1:28
Speaker 1: Hi?
1:29
Speaker 2: Hello, how are you good? How are you tgif guys.
1:34
Speaker 4: We're done here?
1:34
Speaker 2: Okay, cool? See you see bye?
1:37
Speaker 4: I said how are you? And you both introduced each other.
1:40
Speaker 4: You were like, oh hey, Beck, how heys? Like hi
1:42
Speaker 4: over the other side of the paid you know that
1:45
Speaker 4: I don't know.
1:45
Speaker 5: I can't picked up thank you.
1:47
Speaker 4: I'll just see myself out. How will we this week?
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Speaker 4: Has anything interesting happened in the community? Has anything interesting
1:54
Speaker 4: happened in your lives?
1:55
Speaker 2: Beck?
1:56
Speaker 4: I feel like you have something to share about ipantry, Like, Oh.
1:59
Speaker 2: I'm big time a fan of eye pantry. I discovered
2:01
Speaker 2: it not long ago and just got back into it.
2:03
Speaker 2: I hate cooking, yeah, and fat. I've ordered a big
2:07
Speaker 2: box of individual sandwiches and little snacks and it didn't
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Speaker 2: break the bank. And now I'm done for the week.
2:14
Speaker 2: I don't have to cook ever again.
2:16
Speaker 4: Jess and I learned about this just before this episode
2:18
Speaker 4: because you were eating what looked like a very tasty
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Speaker 4: panini and we were like, where did you just whip
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Speaker 4: that out from? Because I just ate some two minute
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Speaker 4: noodles and I guarantee, guarantee, like I will put money
2:28
Speaker 4: on the fact that Jess is like, maybe I'll get
2:30
Speaker 4: a cheeseburger on the way home. Get some She'll get
2:33
Speaker 4: six nuggets, sweet and sour sauce, medium chips, and a
2:36
Speaker 4: medium coke, but not coke zereo because zero tastes like trash.
2:39
Speaker 2: You'll get a full fat coke. Am I wrong?
2:41
Speaker 4: Is that right?
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Speaker 5: She knows my order really well, not just a McDonald's
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Speaker 5: at multiple restaurants.
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Speaker 4: Okay, yeah, I'm all across this. I actually pride myself
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Speaker 4: on knowing other people's orders. But you taught us about ipantry,
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Speaker 4: and I was just shooked because your panini looked really good,
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Speaker 4: and both of us with trash demons when it comes
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Speaker 4: to what we put into our bodies most time, and
3:00
Speaker 4: you were just like, here's this gormet panini that.
3:02
Speaker 2: I that I would never ever ever make.
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Speaker 4: It's basically like a catering website, right that you go
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Speaker 4: on and you go and order for a pack of
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Speaker 4: like paninis and then have them for lunch. You're a genius.
3:12
Speaker 2: Yeah, And then you can get some of those ready
3:14
Speaker 2: made meals, like you know, you food's dynamic and you
3:17
Speaker 2: don't have to like subscribe to anything. You just grab
3:19
Speaker 2: a bit of this grab a bit of that from
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Speaker 2: the comfort of your lounge.
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Speaker 4: I am so impressed. This isn't sponsored.
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Speaker 6: We're just like.
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Speaker 2: Depressed.
3:28
Speaker 4: No, we're not being paid to do that, but yeah,
3:30
Speaker 4: we just impressed. But Jess, let's get into community money wins.
3:34
Speaker 4: As always, we do a quick whip around of your
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Speaker 4: favorite money wins of the week from a weekly thread.
3:39
Speaker 2: What have you got for us this week?
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Speaker 5: My first money win comes from Jess's great name, who
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Speaker 5: said money wins.
3:44
Speaker 4: What hermac's order is?
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Speaker 5: Hopefully six nuggets because we're now one person because we're
3:48
Speaker 5: only option apparently Nuggies or bust. She said, money Wins
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Speaker 5: started my diploma through tapes feet free courses, so I
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Speaker 5: have saved seven thousand dollars and don't have to pay
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Speaker 5: a cent.
4:00
Speaker 4: How good is it that most tape courses are al
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Speaker 4: free in Australia.
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Speaker 5: I keep saying posts coming up that they've added more
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Speaker 5: courses or more so we go and learn Osland. I
4:10
Speaker 5: saw that. I actually looked into it. Right now there's
4:12
Speaker 5: only one place in Melbourne that offers it, which was
4:14
Speaker 5: a little bit sad, but I'm hoping they can do
4:16
Speaker 5: it remotely, so not from what I saw, but I
4:19
Speaker 5: thought that was really incredible because I would actually really
4:22
Speaker 5: love to learn Oslane and.
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Speaker 4: I don't have enough time at the moment in person classes. Yeah,
4:26
Speaker 4: but the second I saw it was free through Tafe,
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Speaker 4: I was like, wow, this is so exciting.
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Speaker 5: Yeah, jump on the tape website see if, of course
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Speaker 5: you're interested in is subsidized or maybe free, because that's incredible.
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Speaker 4: Yeah, upskill, We.
4:37
Speaker 5: Love it, We absolutely do. My next money win comes
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Speaker 5: from Gabby who said money win. My work pays for
4:42
Speaker 5: me to have Quantus Club, and I fly very regularly
4:44
Speaker 5: for work, so you can bet I'm at the airport
4:46
Speaker 5: stupidly early for every flight, saving on cash and that
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Speaker 5: grocery bill. This morning I got my seven dollar cappuccino
4:52
Speaker 5: for free.
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Speaker 4: Yeah money, do you know what? That was one of
4:56
Speaker 4: the things that I found really impressive because obviously I
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Speaker 4: pay extra for oatmeal every single time.
5:01
Speaker 2: Free.
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Speaker 4: The Virgin loungeree.
5:05
Speaker 5: We love the Virgin Loud.
5:06
Speaker 4: They've just added o't milk and I'm very envy about it.
5:08
Speaker 2: Oh exciting.
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Speaker 4: I would like to think that that's because they listen
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Speaker 4: to us. Yes, we single handedly brought milk to the
5:15
Speaker 4: Virgin Lounge in Melbourne for sure, one.
5:18
Speaker 2: Hundred percent that was me.
5:21
Speaker 5: My next money in this week comes from Marissa, who
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Speaker 5: said money when me and my long term partner of
5:25
Speaker 5: seven years are finally able to have a healthy conversation
5:28
Speaker 5: about finances, and it's all thanks to the podcast. He
5:30
Speaker 5: has to listen to it when he's in the car
5:33
Speaker 5: to listen to it, and he's becoming far more open.
5:35
Speaker 5: It's a step in the right direction together. I also
5:40
Speaker 5: loved the idea of him being like held hostage in.
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Speaker 4: My car, talking to him, like you're going to learn
5:46
Speaker 4: about compound interests.
5:47
Speaker 5: Greg Hi, Greg or what if your name is? We
5:50
Speaker 5: love and appreciate your listening. My next money in this
5:53
Speaker 5: week comes from LJ who said I recently started using
5:56
Speaker 5: chass after a long time of debating whether I should
5:59
Speaker 5: get into the share mark. Thanks to Shoes on the Money,
6:01
Speaker 5: I finally feel confident too after using shop back for
6:04
Speaker 5: all of my Christmas shopping, I'm now withdrawing my cash
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Speaker 5: back and putting it straight into my chas ease, feeling
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Speaker 5: like I can finally finance.
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Speaker 4: It's kind of cool that, you know, our biggest supporters
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Speaker 4: of the show are basically making our community reach. I
6:19
Speaker 4: had so cool and.
6:20
Speaker 5: I thought it was so smart that She's like, I'm
6:22
Speaker 5: gonna get my cash back here, and then I'm just
6:24
Speaker 5: gonna put that money straight in.
6:26
Speaker 4: I'm investing my shopping li Regenius.
6:28
Speaker 5: It's like a little ecosystem. How clever is that?
6:30
Speaker 2: Love love Love.
6:31
Speaker 5: And then my lucky last win this week comes from Teresa,
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Speaker 5: who said small money win. The cobbler I went to
6:36
Speaker 5: for the first time did the wrong repair on the
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Speaker 5: pair of sandals, so gave me twenty dollars back. I
6:41
Speaker 5: also got five pairs of shoes that I loved fixed.
6:43
Speaker 5: Most of them were secondhand, so I've extended the life
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Speaker 5: of all of them, which means I'm spending less money
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Speaker 5: on buying new shoes in the future, and I'm helping
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Speaker 5: to reduce waste money. I would never think to go
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Speaker 5: to a cobbler like I would just be really no same.
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Speaker 2: I was thinking that too. I was like, cobbler, cobbler, Yeah,
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Speaker 2: I like that is so clever. It is really clever.
7:02
Speaker 4: I feel like that's how some of my shoes have
7:04
Speaker 4: lasted ten plus years. Yeah, is I get that. It's
7:07
Speaker 4: called topi. It's like a rubber sole put on the
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Speaker 4: bottom of shoes, And if I buy like a pair
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Speaker 4: of boots or something, I always get it put on
7:13
Speaker 4: because I feel like they last longer. And then you
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Speaker 4: can just get that rubber piece replaced when it wears through.
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Speaker 5: Really smart. The shoes already broken in, you don't have
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Speaker 5: to break in, and.
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Speaker 4: New pet's actually so smart. Like if you find a
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Speaker 4: really nice pair of boots or something at the op
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Speaker 4: shop and you're like, oh, the sole's a bad you
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Speaker 4: can fix that.
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Speaker 1: Genius?
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Speaker 2: How good?
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Speaker 4: I feel like their genius money wins this week. They're
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Speaker 4: making money, they're investing, they're fixing clothes, save in the environment.
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Speaker 4: You know it begs money, win a five pantry. Honestly,
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Speaker 4: I feel like I'm set up for a very productive weeks.
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Speaker 2: Got a week you could feel in about this one
7:43
Speaker 2: hundred percent.
7:43
Speaker 4: Let's go to a really quick break and then after
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Speaker 4: the break, I want to talk about our money dilemma,
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Speaker 4: about whether you're ever too old to become financially free,
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Speaker 4: and I want to jump into the juicy conversation about
7:53
Speaker 4: how to split costs while living in a share house.
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Speaker 4: There are some horror stories to come out, I am
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Speaker 4: sure of it. Don't go anywhere, guys.
8:04
Speaker 5: Welcome back everybody. I think it's time that we jump
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Speaker 5: straight into this week's money dilemma. Should we take a
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Speaker 5: little listen?
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Speaker 1: Hi?
8:12
Speaker 4: There, have you got a money dilemma you just can't solve?
8:15
Speaker 4: The Sheess on the Money Team is here to help.
8:18
Speaker 4: Every week, we tackle your dilemmas, both big and small,
8:21
Speaker 4: to answer your most burning money, career and life questions.
8:24
Speaker 4: To get involved, simply head to our website and leave
8:26
Speaker 4: us a short voice recording and you might just find
8:29
Speaker 4: yourself on the show. Now, let's take a listen to
8:31
Speaker 4: this week's money dilemma.
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Speaker 6: Hi, my name's Angela. I am forty seven years of age.
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Speaker 6: I only have super I don't have any investments or property.
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Speaker 6: I'm just wondering whether you think I'm too old to
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Speaker 6: become financially free from the perspective of getting enough investments
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Speaker 6: and property to be able to stop working, and how
8:54
Speaker 6: long this would normally take. Feels like our time has
8:57
Speaker 6: already passed, so just wondering.
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Speaker 4: What to do next.
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Speaker 6: Would greatly appreciate your advice. Thank you.
9:03
Speaker 5: I feel like this is a good one to handball
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Speaker 5: straight to that side of the same great.
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Speaker 4: I see what we're doing here. We're not pulling our
9:10
Speaker 4: weight as if shoes on the Money team. No, there's
9:14
Speaker 4: no such thing as too old. And I feel like
9:16
Speaker 4: any step in the right direction is a step that
9:18
Speaker 4: is going to help you become financially free in the future.
9:21
Speaker 4: And we hear this a lot. Actually, it was the
9:23
Speaker 4: most wholesome I think you commented on it, Jess. A
9:26
Speaker 4: couple of weeks ago, there was a group of people
9:28
Speaker 4: commenting in the group saying like, Oh, I'm fifty two
9:31
Speaker 4: and I've just discovered this podcast. I'm not for you,
9:33
Speaker 4: and I was like, you are for me if you
9:35
Speaker 4: resonate with this content. This podcast is for you. And
9:38
Speaker 4: there's no such thing as too late. To be honest, like,
9:42
Speaker 4: I have worked with women in their late sixties who
9:44
Speaker 4: are preparing themselves for retirement, and I think that, yeah,
9:48
Speaker 4: any step is a step in the right direction. As women,
9:51
Speaker 4: we retire with forty two percent less super than men do,
9:55
Speaker 4: and I feel like anything that we can do to
9:57
Speaker 4: bring that a little bit closer, or put us into
10:01
Speaker 4: a situation where we're not going to experience any type
10:04
Speaker 4: of poverty during retirement is a step in the right direction.
10:07
Speaker 4: And I mean, at forty seven, I have no idea
10:09
Speaker 4: how much you earn or how much you spend or.
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Speaker 2: What the facts are.
10:13
Speaker 4: But what I can tell you is, even if it's
10:15
Speaker 4: ten dollars invested every single month, is a step in
10:17
Speaker 4: the right direction, because I'm assuming if you're caring about investing,
10:21
Speaker 4: what you're also caring about is the rest of your
10:23
Speaker 4: financial house. You're caring about having an emergency fund, You're
10:27
Speaker 4: caring about your budget and cash flow and having all
10:29
Speaker 4: of those ducks in a row. You're caring about your
10:32
Speaker 4: personal insurances. You're caring about what your superannuation looks like
10:36
Speaker 4: and whether your fund's performing for you, and all of
10:38
Speaker 4: those things are going to put you financially ahead. But
10:42
Speaker 4: then also, if we look at where you're at in life,
10:44
Speaker 4: you're only forty seven, you're still so young, Like it's
10:48
Speaker 4: eighteen years before officially you can retire. But most people
10:52
Speaker 4: are retiring at seventy seventy five these days, Like they're
10:56
Speaker 4: always saying things like seventy is the new sixty and
10:58
Speaker 4: stuff like that, because how many women are actually staying
11:01
Speaker 4: in the workforce by choice, Like they might be able
11:03
Speaker 4: to retire, but they're like, I don't want to retire.
11:05
Speaker 4: What else I'm going to do. I might just work
11:06
Speaker 4: part time, or I might just have the financial freedom
11:09
Speaker 4: to do whatever I like. So I feel like any
11:12
Speaker 4: step is a step in the right direction. But if
11:14
Speaker 4: we even just do a little bit of simple compound
11:17
Speaker 4: interest here, you're forty seven. Technically, retirement age or the
11:22
Speaker 4: age that you can access your souperranuation with absolutely no
11:25
Speaker 4: tax is sixty five years old, which is called your
11:28
Speaker 4: preservation age, and at this point that's eighteen years away.
11:32
Speaker 4: In another podcast episode we did recently, we said that
11:35
Speaker 4: the ASX Top two hundred index fund had an average
11:38
Speaker 4: return of nine point three percent over the last ten years.
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Speaker 4: So let's use those maths and have a look at it.
11:43
Speaker 4: If you deposited one thousand dollars into an investment account
11:47
Speaker 4: today and then every single month, because you are forty
11:50
Speaker 4: seven and you're heading towards retirement, so you want to
11:52
Speaker 4: take it a bit more seriously, We're not talking fifty
11:54
Speaker 4: bucks here. You might go, all right, well, I want
11:56
Speaker 4: to put five hundred dollars aside each month, And this
11:58
Speaker 4: is just an example. It can gale up and down,
12:00
Speaker 4: and you guys can go to the moneysmart dot gov,
12:02
Speaker 4: dot AU website and have a look at their compound
12:05
Speaker 4: interest calculator to do your own predictions. But at an
12:08
Speaker 4: initial deposit of one thousand dollars and then five hundred
12:11
Speaker 4: dollars each and every single month, you could be putting
12:14
Speaker 4: yourself in a position where you have an additional two
12:16
Speaker 4: hundred and eighty two thousand dollars to retire with. Amazing,
12:20
Speaker 4: that's one hundred percent worth it. Given most women retire
12:24
Speaker 4: with less than three hundred thousand dollars in their super account,
12:27
Speaker 4: you could literally put yourself in a position where you're
12:29
Speaker 4: double what the average is. How good is that? I
12:32
Speaker 4: just feel like so many times when we're talking about
12:35
Speaker 4: wealth or whether it's too late, people extrapolated out and
12:38
Speaker 4: think we need millions. Do you know how much two
12:41
Speaker 4: hundred and eighty thousand dollars for you in retirement? So much?
12:44
Speaker 4: It is the difference between poverty and actually being able
12:48
Speaker 4: to live a life that you deserve. We're not talking
12:51
Speaker 4: about having to have hundreds of thousands of dollars of income.
12:54
Speaker 4: And while a lot of examples in Sheese on the
12:57
Speaker 4: Money use that it's because it's motivating to a young
12:59
Speaker 4: a daymographic to get them to take financial literacy seriously,
13:03
Speaker 4: because if I said to you Beck and Jess, oh
13:06
Speaker 4: you could be two hundred grands better off, you're young,
13:08
Speaker 4: You're like whatever, My friends save two hundred grand for
13:10
Speaker 4: their first house, Like you just don't care as much
13:13
Speaker 4: as if I said, Beck, do you want to be
13:15
Speaker 4: a millionaire? Like it's clickbait. I'm using it to my
13:18
Speaker 4: advantage to make people take financial literacy seriously. But at
13:23
Speaker 4: the crux of it, being two hundred and eighty thousand
13:25
Speaker 4: dollars better off in retirement is going to be life changing,
13:28
Speaker 4: and I promise that. So No, it is never too
13:31
Speaker 4: late to take financial literacy seriously. And Jess, you can
13:34
Speaker 4: probably you know, chime in here. But we see it
13:36
Speaker 4: all the time in our community, women who are closer
13:39
Speaker 4: to retirement age saying, oh my god, I just found
13:41
Speaker 4: this podcast. I'm better off for I just found this
13:43
Speaker 4: podcast and I now understand my souper for the first
13:46
Speaker 4: time in my life. Or I now have an emergency
13:49
Speaker 4: fund and I didn't before, and I feel so much
13:51
Speaker 4: more financially free. Financial freedom means different things to different people.
13:55
Speaker 4: It's not necessarily becoming a millionaire and being a big
13:58
Speaker 4: dog because that's not even what I think is feasible
14:01
Speaker 4: for most people.
14:02
Speaker 5: Yeah, And if you're in the position like Angela and she,
14:04
Speaker 5: you know, mentioned that she was looking at hopefully maybe
14:07
Speaker 5: retiring a little bit early and wanting to get into
14:09
Speaker 5: property investment, do you think it would be worthwhile her
14:12
Speaker 5: reaching out to a financial advisor to get some professional
14:15
Speaker 5: advice around that?
14:16
Speaker 4: One hundred percent over eighteen years, you have so much
14:20
Speaker 4: power and so much time, and there's no such thing
14:23
Speaker 4: as too late. I met somebody the other day who
14:25
Speaker 4: is fifty five and at unique cause she's changing her career.
14:28
Speaker 4: Isn't that sick of that?
14:29
Speaker 2: Isn't that sick?
14:30
Speaker 4: She's like, no, I always wanted to be a paramedic,
14:31
Speaker 4: and I just decided I'm healthy. I'm you know, at
14:34
Speaker 4: a stage in my life where all I'm doing is
14:36
Speaker 4: regretting having not become a paramedic. And she's like, I've got,
14:39
Speaker 4: you know, at least ten years in me before I
14:40
Speaker 4: even think about retirement, before I even become that agent.
14:43
Speaker 4: She's like, and I'm really fit, So I reckon, I'll
14:45
Speaker 4: I've got more time than that. And I was just like,
14:47
Speaker 4: how cool is it that there's this fifty five year
14:50
Speaker 4: old who's back at UNI, who's probably got so much
14:53
Speaker 4: more life experience than anyone else in that course at
14:56
Speaker 4: this point in time.
14:57
Speaker 2: Yeah, like what an asset that is.
14:59
Speaker 4: Honestly, start seeing yourself as the asset you are, instead
15:03
Speaker 4: of feeling like a burden, which I think a lot
15:06
Speaker 4: of women once they pass their quote child bearing years
15:09
Speaker 4: they feel. And I'm not saying that because I believe it.
15:12
Speaker 4: I'm saying that because I have experienced women talking to
15:15
Speaker 4: me about like, oh, I just don't feel like I
15:16
Speaker 4: have direction or we should have done this when I
15:18
Speaker 4: was younger.
15:19
Speaker 2: Do it now?
15:19
Speaker 5: The world doesn't end when we retire. You're like halfway
15:22
Speaker 5: a little bit over halfway through your lifespan. Sure, which
15:25
Speaker 5: is crazy, isn't it.
15:26
Speaker 4: People are now living to one hundred and we actually,
15:28
Speaker 4: as financial plan when I was a financial planner, used
15:31
Speaker 4: to go to conferences and stuff and be talking about
15:33
Speaker 4: life expectancy and it used to be eighty two years
15:36
Speaker 4: and it's just increasing and as the medical world progresses,
15:40
Speaker 4: it's just going to increase even more. And I find
15:42
Speaker 4: it super interesting because I went to a conference a
15:45
Speaker 4: while ago and one of the speakers said, recently a
15:49
Speaker 4: baby was born that is going to make it to
15:50
Speaker 4: one hundred and fifty years old. We don't know who
15:53
Speaker 4: that is, but based on predictions of what our longevity
15:58
Speaker 4: actually looks like, andsion in science and progression in technology,
16:01
Speaker 4: there is literally someone on this earth that's going to
16:04
Speaker 4: live to one fifty. That's crazy, right, that's incredible. So
16:07
Speaker 4: key having to pay for their retirement.
16:12
Speaker 5: That really is so interesting. But I want to wrap
16:15
Speaker 5: it up because I am so keen to talk about
16:18
Speaker 5: this week's DM conversation because it's happened to me and
16:21
Speaker 5: I want to.
16:21
Speaker 4: Talk about it same. I feel like this is going
16:24
Speaker 4: to get really heated because I've never had this conversation
16:26
Speaker 4: with all the stories, and I feel like, maybe, Beck,
16:29
Speaker 4: have you had a little bit of a nasty's share
16:30
Speaker 4: house experience in your time?
16:32
Speaker 2: I've had some interesting ones.
16:33
Speaker 3: Yeah.
16:34
Speaker 2: So here's our DM.
16:35
Speaker 4: It says High Team, hoping for a little bit of
16:38
Speaker 4: help with a tricky sharehouse situation. I'm struggling with feeling
16:42
Speaker 4: like I have a housemate who doesn't contribute regularly to
16:44
Speaker 4: shared household items, for example, toilet paper, washing, liquid cleaning.
16:48
Speaker 2: Products, et cetera.
16:50
Speaker 4: Any idea on how to approach this we're pretty new
16:53
Speaker 4: living together, so I just don't want it to be awkward.
16:56
Speaker 2: What would you guys?
16:57
Speaker 5: Do you have to set the boundaries early, because this
16:59
Speaker 5: is mistake that I have made in the past, is
17:01
Speaker 5: you let it go. And then in my situation, there
17:04
Speaker 5: was three of us living together and two people were
17:08
Speaker 5: kind of always doing everything in one person was just
17:10
Speaker 5: free looting, and it got by for so long that
17:13
Speaker 5: we've been living together for like six months, and it
17:16
Speaker 5: was so much harder to have the conversation then, because
17:18
Speaker 5: I think when you when you've just moved in, your
17:21
Speaker 5: kind of finding your vibe, you can suggest alternative ways
17:25
Speaker 5: of splitting things and it's not so weird because you
17:27
Speaker 5: can be like, oh, I know, we've just kind of
17:29
Speaker 5: figured it out. Here's what I did with a different
17:31
Speaker 5: group of people and it worked really well. Whereas if
17:33
Speaker 5: you get six months in, I feel like it feels
17:35
Speaker 5: a bit more whack. You're going, hey, bestie, you're the
17:38
Speaker 5: problem and so we need to find a solution, Whereas
17:41
Speaker 5: if you do it early.
17:42
Speaker 4: It's just sorting out your boundaries exactly.
17:45
Speaker 2: I've been in some really awkward situations with housemates before
17:48
Speaker 2: I know, the first house I moved into when I
17:50
Speaker 2: moved to Melbourne was this little cute little house in Brunswick,
17:54
Speaker 2: and literally to this day there's still someone who owes
17:58
Speaker 2: a month's rent.
18:00
Speaker 5: I have someone who still I'm getting getting.
18:05
Speaker 2: Yeah, yeah, it was this, like, you know, you definitely
18:10
Speaker 2: find some of these people in house house shares where
18:13
Speaker 2: there's just one dodgy one that always just hops from
18:16
Speaker 2: house to house somehow always gets away with it. I
18:20
Speaker 2: managed to live with one of them, and she's out
18:22
Speaker 2: there somewhere justading, freeloading, doing something with that rent money.
18:28
Speaker 2: I don't know what. Yeah, it definitely is a little
18:29
Speaker 2: bit awkward. I think that it's obviously best to set
18:33
Speaker 2: the boundary ahead of time, but if you're too far
18:37
Speaker 2: gone and there's still freeloading, best thing to do is
18:41
Speaker 2: just get the entire household to download beam It or
18:44
Speaker 2: like whatever else you want. Split wise. Beam It's cool
18:47
Speaker 2: because you can like pay through the app. You don't
18:49
Speaker 2: have to like say you've paid and then go to
18:50
Speaker 2: your separate banking and.
18:52
Speaker 4: Beam it was available in Australia.
18:54
Speaker 2: Yeah, that's so exciting.
18:56
Speaker 4: That's very cool.
18:57
Speaker 2: Oh my god, I've led you onto so much.
19:00
Speaker 4: Should I have learned about beamit and about iepantry. My
19:03
Speaker 4: life has changed because of you.
19:05
Speaker 3: Ben.
19:05
Speaker 2: Oh my god, that's amazing. I'm so happy to hear that.
19:07
Speaker 2: But yeah, I would say get the household to download
19:10
Speaker 2: beem It so it feels like you're not targeting one person.
19:13
Speaker 2: You're telling the whole house to do this. So it's
19:16
Speaker 2: a lot easier to manage for everyone, not because one
19:20
Speaker 2: person's not paying, but just so we all have a
19:22
Speaker 2: little you know, make it seem a little bit casual,
19:24
Speaker 2: and then just add everything on there so you can
19:26
Speaker 2: literally see who's not paying. It's like written down you've
19:29
Speaker 2: got on paper for you, you've got recints.
19:31
Speaker 4: I feel like there's still going to be that one
19:33
Speaker 4: person who doesn't pay you back if you're the housemate.
19:36
Speaker 4: And I feel like, Jess, you were the housemate in
19:38
Speaker 4: this situation, because you're very similar to me in that
19:41
Speaker 4: if you go to the supermarket and you know you
19:42
Speaker 4: need toilet paper, you would just go and buy the
19:44
Speaker 4: toilet paper and put it in the house and just
19:46
Speaker 4: like go, I'll just get them to get it next time,
19:48
Speaker 4: and then twelve months down the track, you realize that
19:50
Speaker 4: you've bought it every single month and no one else has.
19:53
Speaker 4: How do you bring that up? How do you go, oh, hey, back,
19:55
Speaker 4: could you like buy the toilet paper this time? Like
19:59
Speaker 4: I feel like always like, oh yeah, I grab some next,
20:01
Speaker 4: and then they.
20:02
Speaker 2: Never get it. They never get it. Hmmm hmmm.
20:04
Speaker 5: It's kind of that thing of like you can start
20:07
Speaker 5: tracking it because maybe it goes the other way, maybe
20:09
Speaker 5: your perceptions off. Let's play Devil's advocate. Maybe I'm just
20:12
Speaker 5: feeling like I'm really carrying the load and not realizing
20:14
Speaker 5: what someone else is doing. So I feel like, as
20:16
Speaker 5: you said, it's good to just have your ducks in
20:19
Speaker 5: a row, So like I would personally start kind of
20:21
Speaker 5: keeping a track of what I'm doing so that I
20:23
Speaker 5: can say, hey, like here's what I've done. What have
20:26
Speaker 5: you done? And you can kind of compare notes, like
20:28
Speaker 5: maybe she's getting dishwashing liquid and you're getting toilet.
20:31
Speaker 4: Paper, and you just feel that it's out of sync,
20:33
Speaker 4: but they're actually contributing in another way.
20:35
Speaker 5: Correct Or if it goes the other way and you're
20:37
Speaker 5: buying everything, then you can be like, hey, like you
20:39
Speaker 5: own me four.
20:39
Speaker 2: Hundred dollars or whatever.
20:42
Speaker 5: WHOA see.
20:43
Speaker 4: I don't think it's fair, like as much as I
20:46
Speaker 4: don't think it's fair that you would have to spend
20:48
Speaker 4: four hundred dollars. I also think that it shouldn't get
20:51
Speaker 4: to four hundred dollars rolling before you go, Beck, you
20:54
Speaker 4: owe me this, and Beck's going to go I don't
20:56
Speaker 4: have that cash. I don't know what you think I'm
20:58
Speaker 4: going to do here.
20:59
Speaker 1: Yeah.
20:59
Speaker 4: I think we should nip it in the butt at
21:00
Speaker 4: the very start and be like, oh, I spent twelve
21:02
Speaker 4: dollars on toilet paper, you're only six bucks or whatever
21:05
Speaker 4: it is. And while it feels petty like using an
21:07
Speaker 4: app like Beaman or split Wives, which I do have
21:10
Speaker 4: a lot of experience with, can actually just keep track
21:12
Speaker 4: of that. So guys, do not let it get out
21:14
Speaker 4: of hand, because one you'll be mad because you're out
21:17
Speaker 4: four hundred bucks, but two, it just becomes such an
21:19
Speaker 4: awkward conversation.
21:21
Speaker 5: Yes, I feel like a lot of people messages though,
21:24
Speaker 5: with alternative ways of doing it, because I think that's
21:26
Speaker 5: the other thing is when you live with people, you
21:28
Speaker 5: don't just have to split everything like you. There's a
21:30
Speaker 5: lot of different systems that different people have that work
21:32
Speaker 5: for them. Right, What did people say.
21:34
Speaker 4: Oh, their responses are so fast, so everyone's got a
21:39
Speaker 4: story and it makes us heated. When someone says, I
21:42
Speaker 4: just hit toilet paper in my room for you.
21:45
Speaker 2: That's not a bad idea. I was like, you do you?
21:48
Speaker 4: But I would get to the bathroom and have forgotten
21:50
Speaker 4: to go get this. I'm sure someone else said there's
21:54
Speaker 4: no such thing as a shared expense or a shared
21:56
Speaker 4: household item until it's been agreed to.
21:59
Speaker 2: That's a really good that's a good perspective.
22:02
Speaker 4: There have been a couple of suggestions to download split
22:04
Speaker 4: wise and track how much they end up owing you
22:07
Speaker 4: someone else. I'm not sure about this one because it
22:10
Speaker 4: falls to the being one individual's responsibility. They said, have
22:13
Speaker 4: a commun or kiddy that one person manages.
22:16
Speaker 5: I feel like someone has to take on the treasure rock.
22:19
Speaker 4: Also, like, what are you out here buying sorbent and
22:22
Speaker 4: toilet paper? I just wanted to buy black and gold.
22:24
Speaker 4: Why are you wasting money on sorbent?
22:26
Speaker 1: Yeah?
22:26
Speaker 4: Exactly, what do you mean you didn't buy the home
22:28
Speaker 4: Rand version? Or what do you mean you bought the
22:30
Speaker 4: home brand version? What is my money going to?
22:32
Speaker 1: Like?
22:32
Speaker 4: That's such a heated conversation that you could get into
22:35
Speaker 4: a lot of people. Now I read these Becker suggesting bemit.
22:38
Speaker 4: So I have indeed been ding under a rock. Someone said,
22:42
Speaker 4: I don't know how to bring it up, so I
22:43
Speaker 4: just don't cry in my room relatable mirror if to
22:50
Speaker 4: me and have a chat, I think we can have
22:52
Speaker 4: a chat. Someone else said we ended up having to
22:55
Speaker 4: raise our housemates rent to make up for the amount
22:58
Speaker 4: he wasn't contributing. Imagine being like, all right, Jess, you
23:01
Speaker 4: now have one hundred dollars a week more rent to
23:03
Speaker 4: pay because you keep using my TP.
23:06
Speaker 5: If you found out, though, I feel like you'd be
23:09
Speaker 5: so yes about that.
23:11
Speaker 2: I wonder if they rode up like a fake your rental.
23:15
Speaker 4: It was completely fraudulent.
23:17
Speaker 2: Y that is wild.
23:20
Speaker 4: Someone else has suggested make sure you have a group
23:22
Speaker 4: chat with all the housemates and use it. You need
23:24
Speaker 4: to verbalize what you need, which I think is really important.
23:26
Speaker 4: I think, as we're saying before, nip it in the
23:29
Speaker 4: bud and track it. And even if it's small, I
23:31
Speaker 4: think it should be added. Someone else said, chuck a
23:34
Speaker 4: list on the fridge of basics and initial each time
23:37
Speaker 4: you purchase it. I've done this before and it worked
23:40
Speaker 4: really well. Someone said it's hard, but don't sweat the
23:43
Speaker 4: small stuff. Think of the money you're saving by just
23:46
Speaker 4: living in a share house.
23:48
Speaker 5: Okay, you say that, you say that it's not worth
23:51
Speaker 5: the emotional trauma.
23:52
Speaker 4: Have you lived in a sharehouse? Because there's somebody who
23:54
Speaker 4: lived years in a sharehouse. It's not how it goes.
23:57
Speaker 2: No, you live in a sharehouse because those little little
24:01
Speaker 2: dollars mean a lot to you.
24:03
Speaker 4: Yeah, But then also I feel like compounds over time.
24:06
Speaker 4: I used to live with a housemate that I have
24:08
Speaker 4: a crazy housemate story, well a couple of crazy housemate stories,
24:12
Speaker 4: but I have one crazy housemate that was literally that person.
24:15
Speaker 4: She never paid for anything. She would use my shampoo
24:17
Speaker 4: and my conditioner, and she would use all of my staff.
24:20
Speaker 4: And as a poor UNI student who used to like
24:23
Speaker 4: one of my things that I would always spend money
24:25
Speaker 4: on with shampoo and conditioner, like, I'd get so salty
24:28
Speaker 4: to the point where I ended up having like a
24:30
Speaker 4: little do you remember that shower you know plastic cleaning
24:33
Speaker 4: caddies that you could buy. I had almost shower products
24:35
Speaker 4: in there, and I'd keep it in my room. And
24:37
Speaker 4: then I swore, I swore they were still going down.
24:40
Speaker 4: Turns out she was going into my room and getting
24:42
Speaker 4: my products to use.
24:43
Speaker 5: While still that's such an invasion.
24:47
Speaker 4: My other housemates suggested that we put nair in the shampoo,
24:50
Speaker 4: but I just didn't have the guts to do that.
24:52
Speaker 4: Hindsight would have made for a really good story, but
24:54
Speaker 4: decided probably not the most ethical thing to do. She also,
25:00
Speaker 4: I don't know how much you want to know about
25:01
Speaker 4: this housemate everything. Yeah, okay, so she didn't like doing
25:05
Speaker 4: her washing, and when we were out of washing powder,
25:07
Speaker 4: and when I say out of washing powder, it was
25:09
Speaker 4: sitten in one of my other housemates' rooms. Because we
25:11
Speaker 4: were so sick of the fact that she wouldn't do it,
25:14
Speaker 4: she started taking my underwear.
25:18
Speaker 5: I actually have heard about this housemates boy, I remember that,
25:20
Speaker 5: I remember this.
25:21
Speaker 4: But yeah, so she took my underwear. And then one
25:24
Speaker 4: weekend you're going to remember this part two. I was
25:26
Speaker 4: quite young at university and I would go home on
25:29
Speaker 4: the weekends because I had a job back where I
25:31
Speaker 4: used to live with my parents, and I'd work there Friday, Saturday,
25:34
Speaker 4: Sunday and then come back up for UNI during the
25:36
Speaker 4: week right, So I went home one weekend and came
25:39
Speaker 4: back on the Sunday night to find out that all
25:42
Speaker 4: of the pre made meals my mom had mate all
25:45
Speaker 4: of the meat that my mum had like organized me
25:48
Speaker 4: because she would give me, like, you know, if there
25:50
Speaker 4: was an extra chicken breast or something, she put in
25:52
Speaker 4: a ziploc bag and I'd take her home and put
25:53
Speaker 4: in my freezer, right, and I feel like that's such
25:55
Speaker 4: a month thing. But this housemate had thrown it out
25:58
Speaker 4: because she decided to go vegan.
26:00
Speaker 2: I don't want any meat products in the house. And
26:03
Speaker 2: so like my mom.
26:04
Speaker 4: Had made like you know, single serves of Bolonni's and
26:06
Speaker 4: single serves of like her favorite was like curried sausages,
26:09
Speaker 4: and I was obsessed. I'm still obsessed with curried sausages.
26:12
Speaker 4: But she literally threw out all of my meals that
26:15
Speaker 4: my mom had crept for me and organized, and thinks
26:17
Speaker 4: that I had been freezing because, as you know, as
26:20
Speaker 4: a poor UNI student, chicken's expensive. So if your mom
26:22
Speaker 4: gives you a chicken, I'm going to freeze that and
26:24
Speaker 4: use that later for a stir fry.
26:26
Speaker 5: That's like gold.
26:26
Speaker 3: That's good.
26:28
Speaker 4: She threw it all out. I was so seasy, so mean,
26:32
Speaker 4: and then she acted like I was the problem, oh,
26:35
Speaker 4: because you're a meat eater. Yeah, and it made her
26:37
Speaker 4: uncomfortable thinking about how many dead animals were in her
26:40
Speaker 4: fridge at night. Oh no, crazy jokes on me. I'm
26:44
Speaker 4: now so story so or it did work, it works,
26:50
Speaker 4: but we're not going to give her that. Back to this,
26:53
Speaker 4: a few people are just saying you need to make
26:54
Speaker 4: sure that you bring it up and just have a conversation,
26:57
Speaker 4: which seems to be the underlying conversation here. And then
27:00
Speaker 4: two other people have suggested a monthly kitty for shared
27:03
Speaker 4: household items, So do a budget and work out how
27:05
Speaker 4: much per month you're spending on shared household items and
27:08
Speaker 4: then split it. They've done this over a couple of messages.
27:11
Speaker 4: So they've said you can even include things like balsamic
27:13
Speaker 4: vinegar and oil and butter and shared items, which I
27:17
Speaker 4: think is quite quite smart. But I think the problem
27:20
Speaker 4: with that from my perspective is some months you do
27:24
Speaker 4: need to go buy a sum new balsamic vinegar and oil,
27:26
Speaker 4: and that's kind of expensive, right, well, it's oil like
27:28
Speaker 4: twelve bucks a bottle or something at the moment, But
27:32
Speaker 4: then some months you won't have to, so like, do
27:34
Speaker 4: you put the same eating each month? And then is
27:36
Speaker 4: that I don't know. I just I find managing money
27:39
Speaker 4: with other people who are not your partner incredibly challenging.
27:42
Speaker 5: It relies on you having a really good relationship with
27:45
Speaker 5: those people. I think as well, because if I think
27:47
Speaker 5: back on some of my living situations, what might have
27:50
Speaker 5: started out really well got more strained over time, particularly
27:53
Speaker 5: in situations like this where one person wasn't pulling their weight.
27:55
Speaker 5: By the end of it, I feel like everything's not rosy.
27:57
Speaker 5: I don't want to sit down and work out a
27:59
Speaker 5: budget for you. Figure it out yourself, Like I don't
28:02
Speaker 5: want to be pulling your weight, and I'm kissed off
28:04
Speaker 5: because you're not pulling your weight. Why would I then
28:07
Speaker 5: go and budget for you when you're probably not even
28:09
Speaker 5: going to pay for it.
28:10
Speaker 4: I feel like there's some level of give and take
28:13
Speaker 4: as well here. So if you're a bit like you know,
28:15
Speaker 4: Jess and I I don't want to do somebody else's budget,
28:18
Speaker 4: you're right, yeah, But like if I felt that you
28:20
Speaker 4: and I were living together and you bought some things
28:22
Speaker 4: and I bought some other things and it just felt fair,
28:25
Speaker 4: I just don't think I would. It's kind of like
28:27
Speaker 4: sometimes I'll grab the coffee, sometimes you grab the coffee,
28:30
Speaker 4: but you also know that I'm going to grab the
28:31
Speaker 4: coffee next time, because like in my head, I know that,
28:34
Speaker 4: do you know what I mean. It's kind of like
28:35
Speaker 4: this idea that all right, well just bought the oil,
28:37
Speaker 4: I owe her one like, and I feel.
28:38
Speaker 2: Like that's the right approach to it.
28:40
Speaker 4: But then there are some crazy housemates who are like, yeah,
28:43
Speaker 4: you owly fifty one dollars and forty eight cents and
28:45
Speaker 4: you're like, forty eight cents doesn't even exist anymore, babe,
28:48
Speaker 4: why did you get this now? So I just it's
28:50
Speaker 4: a struggle. But I think that you need to find
28:53
Speaker 4: the flow, and the best way to do that is
28:55
Speaker 4: with a really good conversation at the start of your
28:58
Speaker 4: living arrangement.
29:00
Speaker 5: And for whoever already in we know you're already living together,
29:02
Speaker 5: have the conversation now it's awkward, buck up, It'll be
29:05
Speaker 5: way easier for you in the long term.
29:07
Speaker 4: Yeah, and I feel like, be confrontational about it, like
29:10
Speaker 4: not aggressive and rude, but don't leave passive notes out.
29:14
Speaker 4: Don't leave a passive group chat message as you're leaving
29:17
Speaker 4: the house. Actually, just be like, hey, we need to
29:19
Speaker 4: have a chat, and have that conversation, and yes, you're right.
29:22
Speaker 4: Sometimes it's easier to just drop, hey, you owe me
29:25
Speaker 4: X for X in a group chat. But how about
29:27
Speaker 4: we set the expectations in person, because that's when things
29:29
Speaker 4: get petty and aggressive and it just blows out of proportion. Amen,
29:34
Speaker 4: No passive aggressive notes at my ex vegan housemate who
29:37
Speaker 4: throughout all my meat and used to leave passive aggressive
29:39
Speaker 4: notes on everything I own. I wan't know who this
29:42
Speaker 4: is to see. I'll show you later. Okay, all right,
29:45
Speaker 4: but guys, I think that's all we have time for today,
29:47
Speaker 4: so we will see you next week. Have a good weekend, friends,
29:50
Speaker 4: Have a good weekend. Bye bye, guys. Did buy shared?
29:59
Speaker 1: Or?
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