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From Babyccinos to Bill Splitting! · She's On The Money

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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
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Speaker 1: of which this podcast is recorded on a wondery country,
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Speaker 1: acknowledging the elders, the ancestors and the next generation coming
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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
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Speaker 1: today and lasting impact for tomorrow.
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Speaker 2: Let's get into it.
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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 the podcast Millennials
1:01
Speaker 4: who want Financial Freedom. Today, my friends, is Friday, which
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Speaker 4: means it is time to get our little team together
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Speaker 4: and celebrate you how incredible She's on the Money community
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Speaker 4: today is just greed. She is going to be sharing
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Speaker 4: her favorite money wins from the community. Beck Sayed is
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Speaker 4: going to be sharing her best broke tips which have
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Speaker 4: been going very well by my dad.
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Speaker 2: We get lots of good feedback. Beck.
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Speaker 4: We're going to be answering a juicy money dilemma which
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Speaker 4: this week is all about buying a house with your partner.
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Speaker 2: That clicking is just pulling out her invisil.
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Speaker 4: Line because she forgot to take it out for recording
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Speaker 4: and unpacking something that you slid into our DMS about
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Speaker 4: which this week we're talking about splitting the bill at dinner.
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Speaker 2: Let's ask Jessica, how are in visil line? Is it
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Speaker 2: this week?
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Speaker 5: Really good?
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Speaker 2: It's really good? Fuck great?
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Speaker 5: Oh, you know, I've had him for so long and
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Speaker 5: I'm on like, I've only got a couple of days
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Speaker 5: left on this trace. She didn't hurt too much at all.
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Speaker 2: The little click click click.
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Speaker 5: You're welcome everyone.
2:04
Speaker 4: I have done in Fizzle Liner as well. And it's
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Speaker 4: funny because at the very beginning, if you're in Fizzlene Journey,
2:09
Speaker 4: I feel like everybody just like walks out of the room,
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Speaker 4: goes to the bathroom, take rinses them, puts them back
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Speaker 4: in the case, pops them in their handbag. And then
2:18
Speaker 4: obviously jess is a heap of mumps in because she's
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Speaker 4: just whipping them out of that they're sitting.
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Speaker 5: On the table.
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Speaker 2: She's not going to rinse them. I remember at the start, though,
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Speaker 2: you were like so particular about putting. Do you even
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Speaker 2: know where your case is?
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Speaker 1: No?
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Speaker 5: Actually it's it's in my car. I think, yeah, okay,
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Speaker 5: when I take.
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Speaker 2: Her in your car when you through the drive through, because.
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Speaker 5: When I eat my mac, I put my in throw
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Speaker 5: them out by accident.
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Speaker 2: That makes sense, very responsible. The rest of your week being.
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Speaker 5: Jess, I'm getting on a plane today. Oh my gosh,
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Speaker 5: but I like nothing this week really can trump the
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Speaker 5: exciting news, like forget my news. We have an emails count,
3:08
Speaker 5: then you go first.
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Speaker 2: That's okay, Well you're elips I know, no, but okay, Well,
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Speaker 2: my week was actually really good. It was full of
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Speaker 2: just so many I have had so many plans like
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Speaker 2: it started from Friday last week literally up until today.
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Speaker 2: It was just full of people that friends that I've
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Speaker 2: known for a long time that I feel comfortable with
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Speaker 2: in myself with, and new friends that I felt connected to.
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Speaker 2: And it's been a really full week. All my buckets
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Speaker 2: are full. I feel great.
3:39
Speaker 5: Oh my gosh.
3:40
Speaker 2: But is it because you got English muffins?
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Speaker 5: Thank you so much.
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Speaker 2: That's so nice. It's very oily. That's probably why week
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Speaker 2: it's sleep I think this is the big news. Actually,
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Speaker 2: Victoria brought us some I'm really lovely English muffins.
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Speaker 5: I got the best English I always thought we have.
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Speaker 4: I always give the most rogue presence, Like if I'm
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Speaker 4: into something, I'm like, hey, Jess, I brought you this
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Speaker 4: jam and.
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Speaker 5: I love it.
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Speaker 4: You're never going to get like, oh, here's a really
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Speaker 4: thoughtful president that costs lots and lots of money. I
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Speaker 4: bought you English muffins, but that's they do cost. They
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Speaker 4: are very very good for those of you in Melbourne.
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Speaker 4: They are the Dreary Lane English muffins and I am
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Speaker 4: obsessed with them, like they are honestly the best English
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Speaker 4: muffins in the entire world. I also think it's a
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Speaker 4: really good name for an English muffin company.
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Speaker 2: Lane hard to say.
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Speaker 5: Where does he live?
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Speaker 2: Drewy Lane? Is that not the best English muffin company
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Speaker 2: name ever? Is it is? I really like it. I mean,
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Speaker 2: I'm just dying to get to the elephant in the room.
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Speaker 2: I don't know if it's not really an elephant's.
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Speaker 5: Trying to think of a funny segue. And I was
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Speaker 5: going to like make it a size related comment, but
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Speaker 5: I feel like I don't know, I know.
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Speaker 2: Well, this is maybe about news. Is the size of
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Speaker 2: the English Muffin.
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Speaker 4: This is so strange announcing it on the podcast, but
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Speaker 4: my husband Steve and I are having baby. Yeah, yeah,
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Speaker 4: it's really really fun. We're very obviously grateful for it.
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Speaker 4: It has been a journey getting here, but I feel
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Speaker 4: like it is, yeah, very exciting to announce. Also, I
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Speaker 4: guess in the same breath they want to say that
5:14
Speaker 4: news could have hit you in the chest like a
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Speaker 4: ton of bricks if you're hearing it and going through
5:19
Speaker 4: I guess fertility challenges.
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Speaker 2: I know that when I was in.
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Speaker 4: That position where I'd had a few losses and it
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Speaker 4: was really hard getting pregnant and life was just at
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Speaker 4: that point, it felt really dark, like I didn't like
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Speaker 4: hearing other people's pregnancy news.
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Speaker 2: And I get it if you're not excited. I totally
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Speaker 2: get at your feelings are so valid, and I think
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Speaker 2: that that is part of the journey. But I think
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Speaker 2: it's holy we're.
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Speaker 5: Going to add another Guiarlie to the squad.
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Speaker 2: Well we don't know, we don't know, but everybody's just
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Speaker 2: assuming it's a girl.
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Speaker 4: We're nearly halfway at this point, so I did leave
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Speaker 4: it a little bit late. I think it was like
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Speaker 4: the worst kept secret in the history of ever because
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Speaker 4: I have been so sick. So everybody in our office
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Speaker 4: absolutely well and truly knows. There were a few questions, Yeah,
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Speaker 4: mich whenever I did speaking events, like I do have
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Speaker 4: a bit of a bump, So there was a lot
6:04
Speaker 4: of like bombastic side eye, she just.
6:07
Speaker 2: Bloated or she pregnant. No, you can't ask that question.
6:13
Speaker 2: That ring on a string. No, I haven't done any
6:15
Speaker 2: of those things. Yeah, we do it off, we can
6:18
Speaker 2: do it.
6:18
Speaker 5: We can do it.
6:18
Speaker 4: Absolutely. I'm all about it. Because we're not finding out
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Speaker 4: the gender. It's going to be a surprise.
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Speaker 2: But yeah, I'm all about those wives tales because I
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Speaker 2: feel like I just play into it so much. Does
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Speaker 2: it mean anything?
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Speaker 5: No?
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Speaker 4: My ov was like no, Victoria, like that means nothing.
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Speaker 4: I was like, yeah, but I'm carrying really high. It's
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Speaker 4: probably a girl.
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Speaker 2: And she's like that that is not actually accurate, and
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Speaker 2: I was like, cool, let me have it. So that's
6:42
Speaker 2: that's the fun news of the week of the month.
6:45
Speaker 2: I suppose the last four and a half months. I
6:48
Speaker 2: suppose you could say it is that's very exciting. But yes,
6:51
Speaker 2: I'm sure that broke.
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Speaker 4: Our video producer is probably going to put together a
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Speaker 4: really awful video of me and all of the cuts
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Speaker 4: in between episodes of me just gagging.
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Speaker 2: So can't wait for that content me sympathy gagging a
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Speaker 2: gag and then you'd be like ooh, and then I
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Speaker 2: producer gags and everyone being a very sexy trip.
7:11
Speaker 4: But this episode is not about me, It is actually
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Speaker 4: about our community. So, miss Jessic GRICI, what are your
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Speaker 4: favorite money wins from our community this week?
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Speaker 5: My first money when this week comes from Hannah, who
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Speaker 5: said money win. I had an abundance of clothes. I've
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Speaker 5: tried selling a marketplace and everywhere else imaginable until I
7:28
Speaker 5: came across a market in my state that specializes in
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Speaker 5: plus sized clothing, so I thought, why not give it
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Speaker 5: a go. My goal was not to bring one single
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Speaker 5: item of clothing home. My goal was almost achieved. I
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Speaker 5: came home with seven items when I left with about
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Speaker 5: two hundred. I'm very proud of myself, and I made
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Speaker 5: a huge profit going towards my house deposit, and we
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Speaker 5: got clean. Very fun and I know what we always
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Speaker 5: get a lot of people asking about reselling specifically for
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Speaker 5: the plus size market, is called double It's in Adelaide,
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Speaker 5: and I love the idea that that exists, and I'm
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Speaker 5: so cool. Anyone knows of one's in other states? Definitely
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Speaker 5: not a.
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Speaker 2: Snow Facebook group. Yeah, that's weird. I love it.
8:05
Speaker 5: Next, I've got another shopping money in from Simone who
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Speaker 5: said I went to the opshop and I bought a
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Speaker 5: seven dollar biochemistry book, which was more than what I
8:12
Speaker 5: wanted to pay, But then I saw it on Amazon
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Speaker 5: for five hundred bucks. Safe to say, happy with seven dollars.
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Speaker 2: Now, I've never been to an op shop in search
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Speaker 2: of a biochemistry book back, can you?
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Speaker 5: I cannot light reading.
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Speaker 2: Just don't like reading one five hundred dollars book all
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Speaker 2: for seven dollars. Repressive. I don't know. Universities maybe just
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Speaker 2: god I didn't go.
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Speaker 4: I wouldn't know, honestly, I swear my book list every
8:39
Speaker 4: semester would cost about one thousand dollars.
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Speaker 2: Fine, one out of.
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Speaker 4: Ten, and then they make you buy the new volume
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Speaker 4: every year. Yeah, oh that one's outdated. My math's it's
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Speaker 4: not going to change.
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Speaker 5: No, No, I don't like it.
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Speaker 2: I don't like it.
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Speaker 4: I don't care if I have to flip a few
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Speaker 4: more pages. I'm using the old edition, so I've always
8:57
Speaker 4: been like that. Yeah, absolutely good for money win like
9:01
Speaker 4: that a lot. Next, I've got one from Lily who
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Speaker 4: said money win. I finally reviewed and updated my extras
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Speaker 4: only health insurance and I've saved myself forty a month.
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Speaker 2: Oh my gosh, that's a big money love.
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Speaker 5: Next, I've got one from Stephanie who said she scored
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Speaker 5: free leggings at the lskd opening.
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Speaker 2: Oh my gosh, yes, how excited.
9:20
Speaker 5: Very fun. And then she got some thermals on super
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Speaker 5: clearance at Target for her Europe trip as well.
9:25
Speaker 2: Money win.
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Speaker 5: Next, I've got a money in from Maren, who said
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Speaker 5: I've wanted Nike high Tops for work shoes for about
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Speaker 5: twelve months. I tried them on and loved them, thought
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Speaker 5: about it, and then remembered I had more than enough
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Speaker 5: in shopback.
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Speaker 2: Rewards or yes, how good is that really.
9:37
Speaker 5: Purchasing the ones the money is transferred instead of buying
9:40
Speaker 5: them tonight.
9:41
Speaker 2: Oh that is so good.
9:42
Speaker 5: What a genius, very clever.
9:44
Speaker 2: That's literally a money win, Like that's money that you
9:46
Speaker 2: wouldn't have had otherwise. It's free. It's really free money free, free,
9:52
Speaker 2: free Nike high tops. So I was about to say airtops.
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Speaker 5: I don't know what I'm talking about. She gets it.
9:57
Speaker 2: I'm a cool kid. She's so cool.
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Speaker 5: Lastly, I've got money one from Tara, who just said
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Speaker 5: a little fyi, if you order a water from maccas,
10:04
Speaker 5: you still get the Monopoly ticket. Very clever mc donald's.
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Speaker 2: If you're listening, no you're not. But I have two
10:15
Speaker 2: hundred free waters. I'm very thirsty. It's Monopoly back on macas.
10:21
Speaker 5: It is.
10:23
Speaker 2: Love is the clean of macas Monopoly so fine. I
10:27
Speaker 2: tried to win the barbecue last year.
10:28
Speaker 5: Didn't go well.
10:29
Speaker 2: Oh I'm sorry.
10:29
Speaker 4: Here, We're back on it. We're back on it. What
10:31
Speaker 4: are we manifesting this year? Have you looked at the
10:33
Speaker 4: prize list?
10:33
Speaker 5: You know what I haveppened?
10:34
Speaker 2: I've just collecting tickets.
10:36
Speaker 4: Next next week on the show, we're going to be
10:39
Speaker 4: updating you on something very exciting and it will be
10:41
Speaker 4: Jess gives McDonald's monopoly, which list yes for everyone, Yeah, exactly.
10:47
Speaker 2: Your win is everyone's wim. I think so too.
10:50
Speaker 4: It was like the time she got the free kitchen
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Speaker 4: Aid mixer from all of her flybys points.
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Speaker 2: Everybody went nuts over that. So can you imagine if
10:57
Speaker 2: she won stuff from Monopoly?
10:58
Speaker 5: I know a right.
11:02
Speaker 4: Speaking of being in it to win it, miss Beck,
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Speaker 4: what have you got when it comes to broke tips
11:07
Speaker 4: this week?
11:07
Speaker 2: Okay, So I've got a couple of good ones, very
11:10
Speaker 2: Willwards related, I'm noticing, but just sponsored and like, have
11:14
Speaker 2: they slid into your dms?
11:16
Speaker 5: Not yet, Actually I don't know.
11:17
Speaker 2: I find kind of weird. But let them know they can. Yeah,
11:20
Speaker 2: they absolutely can. Free fruit for kids and for Beck Healy,
11:23
Speaker 2: I'm still a kid at Okay. So the first one
11:26
Speaker 2: is from Caitlin who said, I'm currently listening to an
11:29
Speaker 2: episode of your podcast, and you guys had a lady
11:31
Speaker 2: that had written in about Woolwards half price specials. But
11:34
Speaker 2: let's go one better. I too work at Wooli's and
11:36
Speaker 2: know that a lot of the wools brands are actually
11:38
Speaker 2: still cheaper than the half priced specials. You have to
11:41
Speaker 2: go by unit price to realize this, which is very clever.
11:45
Speaker 2: Sninky sninky lady. Yes, I can't believe I forgot to
11:48
Speaker 2: meet her name, so Woolies don't go for it, I know. Actually, yeah,
11:53
Speaker 2: there's probably a lot of Caitlin's, so good luck. Yeah,
11:56
Speaker 2: exactly what if we made up that is a fake name? Exactly?
12:01
Speaker 2: You don't know if we're ahead of the game, which
12:03
Speaker 2: we were not. No, But also you know, even when
12:05
Speaker 2: you're going to like buy toilet paper or something like,
12:08
Speaker 2: something looks cheaper or it's on special, it looks like fancy.
12:10
Speaker 2: But if you go down and see how many cents
12:14
Speaker 2: per role, yeah, you end up That's important. It's very important.
12:17
Speaker 2: You don't realize it at the time because you're like, oh,
12:19
Speaker 2: this one's on special, but it's still more expensive. So
12:21
Speaker 2: always look at the unit price. You will get more
12:24
Speaker 2: bang for your buck that way, and it's always on
12:26
Speaker 2: the tag. You don't have to do the mass like
12:27
Speaker 2: they have to show it on the little price tag
12:30
Speaker 2: exactly exactly. So do that because sometimes it can be
12:34
Speaker 2: very deceptive. Not gonna lie. When I'm looking at toilet paper,
12:38
Speaker 2: I'm looking at how many ply it is, not how
12:41
Speaker 2: much it is per role, because have you ever picked
12:43
Speaker 2: up one ply toilet paper by accident?
12:45
Speaker 5: Sandreat it's controversial.
12:48
Speaker 2: I prefer one ply, but you would use more of it,
12:54
Speaker 2: that's true. But something about three plat I feel like
12:57
Speaker 2: like you can't justify it. I can't know, it's too soft.
13:00
Speaker 2: It's just like, so, well, that's what we need. Too slippery.
13:04
Speaker 5: You know you're broke. Tip from a couple of weeks
13:06
Speaker 5: ago that someone sent in saying, squeeze the role. So
13:09
Speaker 5: I don't squeeze the role because I don't like the
13:11
Speaker 5: aesthetic of it. However looks, but it made me think
13:15
Speaker 5: about the fact that I've never consciously considered how I
13:19
Speaker 5: pull it. And it's true, like you just pull it
13:20
Speaker 5: and when it stopped rolling, your stop and I've started
13:23
Speaker 5: paying attention, and I could use like five percent of
13:27
Speaker 5: what I normally use.
13:28
Speaker 2: So like for you broke in, Jessica, and in the
13:33
Speaker 2: long way, you do end up saving more money. Yeah,
13:35
Speaker 2: so you don't let it go, like pay attention, pay attention,
13:39
Speaker 2: be mindful, put down your phone. No, it's impossible. Are
13:43
Speaker 2: you a scruncher or a folder?
13:44
Speaker 5: Though?
13:44
Speaker 2: Like what's the most economical use of paper?
13:47
Speaker 1: Um?
13:48
Speaker 5: I fold?
13:48
Speaker 2: Yeah of course you.
13:49
Speaker 5: But but it's like it's going to scrunch to it.
13:52
Speaker 2: Yeah, you gotta scrunch to the fold. All right, let's
13:56
Speaker 2: move on before this goes somewhere else have you got
14:00
Speaker 2: for us?
14:00
Speaker 5: Okay?
14:01
Speaker 2: So the next broke tip is from Eleanor, who says
14:04
Speaker 2: I have been using Willers rewards for a while now
14:07
Speaker 2: and I have noticed they now do boosted points when
14:09
Speaker 2: you purchase particular items. So if you go on their
14:13
Speaker 2: website you can see that maybe for one week they're
14:15
Speaker 2: doing like a thousand points per banana. But this is
14:19
Speaker 2: relevant because either you'll get like that's definitely that's definitely
14:26
Speaker 2: a bad example.
14:28
Speaker 5: I love it, I wish, but also you know what.
14:31
Speaker 2: Will sound like they're doing a good.
14:34
Speaker 4: I was gonna be like, after we should reach out
14:36
Speaker 4: to Elise because like I can see us working together.
14:39
Speaker 2: Not now that you're like going, oh, they'll give you
14:41
Speaker 2: a thousand points. BA, They're gonna go no, you guys, Yeah,
14:46
Speaker 2: I'm so sorry to everyone listening. They're probably not going
14:48
Speaker 2: to do that, but you never know. That was a
14:50
Speaker 2: really bad example. So basically, the more points you get,
14:52
Speaker 2: you eventually get ten dollars off per shop. And if
14:55
Speaker 2: you just if you go to all Words and you
14:57
Speaker 2: actually need these items, just check if the boosted that
15:00
Speaker 2: week and fly By she did mention Flybys. Actually what
15:04
Speaker 2: did she say here? Once you get two thousand points,
15:07
Speaker 2: you can get ten dolls free off your next shop,
15:09
Speaker 2: or you can transfer to quantous points. Sorry I thought
15:12
Speaker 2: I said Flybys. I didn't quantaus points, so that's kind
15:16
Speaker 2: of irrelevant for me. I'm not I'm not much of
15:17
Speaker 2: a flyer, but if you are, that's.
15:20
Speaker 5: Kind of cool. Save some cash on your holiday, exactly exactly.
15:23
Speaker 2: I love that. Yeah, we're definitely a Flybys household in
15:26
Speaker 2: this office. It's getting tense. It's not no, it's not
15:31
Speaker 2: we fly Virgin, but we like Flybys. I feel like it.
15:36
Speaker 5: All plugs in. You gotta have I feel like you
15:38
Speaker 5: have to have an ecosystem.
15:39
Speaker 2: But it's definitely a point in ecosystem.
15:41
Speaker 5: Yeah. Yeah, aside stain Lane.
15:44
Speaker 4: Speaking of Virgin, speaking a Virgin. Jess and I earlier
15:47
Speaker 4: this week flew to Sydney for the Chaersa's second birthday party,
15:51
Speaker 4: and oh we got upgraded to business.
15:56
Speaker 2: That's a money win.
15:58
Speaker 5: That is very cool, a huge money I'm an excited.
16:03
Speaker 2: I want all the goths when we're I mean, we
16:05
Speaker 2: can do it now if you want. So, we're going
16:06
Speaker 2: to get lunch on the plane and everything. That is
16:08
Speaker 2: so exciting.
16:09
Speaker 3: I hadn't eat a lunch that day.
16:12
Speaker 2: That is very very cool. Full transparency. This is a
16:15
Speaker 2: pre recorded episode Jess is finding out right now, Jess
16:21
Speaker 2: is flying business in approximately one point five hours and
16:25
Speaker 2: she just found out is that. She was like, it
16:29
Speaker 2: was so fancy. I was like, you don't you really?
16:34
Speaker 4: You really got me a really busy week this week,
16:37
Speaker 4: so we are recording Friday drinks on a Tuesday.
16:39
Speaker 2: Sorry everyone, we've deceived you, but we are still drunk.
16:44
Speaker 2: Jess wish not the rest of the table. Maybe you,
16:48
Speaker 2: but thank you for coming prepared. But that's why Jess
16:51
Speaker 2: was so excited. And to be honest, I'm really impressed
16:54
Speaker 2: because usually she can't lie to save her life. To
16:58
Speaker 2: bring it up, and I think that's why you scroll back.
17:01
Speaker 5: If anyone saw that clip, I feel like my face
17:04
Speaker 5: you can probably yeah, confused because.
17:09
Speaker 2: Telling me something else.
17:10
Speaker 4: The voice said, heck you, I'm so excited. And the
17:13
Speaker 4: voice said.
17:14
Speaker 2: I hadn't eaten that day.
17:18
Speaker 5: Such a fast wire.
17:21
Speaker 2: All right, all right, let's move on.
17:24
Speaker 4: Jess is broke tip is fly with Victoria and she
17:27
Speaker 4: will bid for an upgrade for you.
17:29
Speaker 2: That is a good brow tip. Actually my personal break
17:33
Speaker 2: tip for this week. Yeah, I want to know that
17:34
Speaker 2: is relevant to this. It's not so much broke broke,
17:38
Speaker 2: And I do apologize for those listening that might not
17:40
Speaker 2: be able to relate to this. But let's say you
17:43
Speaker 2: are traveling and you only have a set amount of budget.
17:46
Speaker 2: My best friend's sister was telling about how she had
17:49
Speaker 2: X amount to spend, but every resort or accommodation they
17:53
Speaker 2: were a little bit more pricey. Yeah, she wanted to
17:55
Speaker 2: say somewhere nice, so she called up a couple places
17:58
Speaker 2: and emailed a couple of places and said, this is
18:00
Speaker 2: my budget, what are you going to do for me?
18:02
Speaker 2: And I think at least two places came back and
18:05
Speaker 2: said we can, we can do that. Really, it's so
18:08
Speaker 2: cool that I don't even thought no, I feel like
18:12
Speaker 2: no worries. If not, i'd be too scared to like
18:15
Speaker 2: what do you lose?
18:15
Speaker 5: Like if you have a if you have a queen move.
18:18
Speaker 2: I know, like, what are they going to do to
18:19
Speaker 2: say no? What's who cares?
18:20
Speaker 5: Exactly?
18:21
Speaker 2: Who cares?
18:22
Speaker 5: Yes, because they don't have many if they have heaps
18:24
Speaker 5: of empty rooms, they probably some money.
18:26
Speaker 2: Yeah, money, Yes, I think I think this was like
18:29
Speaker 2: a little bit. It wasn't super last minute, but it
18:31
Speaker 2: was a little bit more last minute. So that's okay,
18:33
Speaker 2: best time to like reach out and be like quite cool,
18:35
Speaker 2: may as well have someone in there for a little
18:37
Speaker 2: bit of money.
18:37
Speaker 5: Great tip.
18:38
Speaker 2: I feel like that is a brilliant tip. It actually
18:40
Speaker 2: leans into my favorite quote of the week, which has
18:42
Speaker 2: been really helping me actually, and the quote is it's
18:45
Speaker 2: not that deep. Oh yeah, I like email them. It's
18:49
Speaker 2: not that deep deep.
18:51
Speaker 5: I think such a big deal.
18:52
Speaker 2: Yeah, exactly, that's not a big deal. Like email them,
18:55
Speaker 2: go get it, queen.
18:56
Speaker 5: I love that.
18:56
Speaker 4: Here I am being like, oh, my money saving tip
18:59
Speaker 4: is don't for buffet breakfast. Baoh breakfast, So poor Jessica.
19:03
Speaker 4: Whenever we stay anywhere, I'm like, I'm not paying for that.
19:06
Speaker 4: We are going to be buying cereals and fact, if
19:11
Speaker 4: buffet breakfast is included, you best believe there's a TopWare
19:13
Speaker 4: container in my bag so I can steal pastries for
19:16
Speaker 4: morning tea and lunch.
19:18
Speaker 2: It's just who I amas.
19:20
Speaker 5: Follow us for more travel saving tips.
19:23
Speaker 4: Let's go to a really quick break and on the
19:25
Speaker 4: flip side, we're going to be talking about buying a
19:26
Speaker 4: house with your partner and how to have a conversation
19:29
Speaker 4: about splitting the bill at dinner.
19:31
Speaker 2: Don't go anywhere, guys.
19:37
Speaker 5: Welcome back, everybody. Let's take a listen to the money dilemma.
19:42
Speaker 2: Hi, there.
19:43
Speaker 4: Have you got a money dilemma you just can't solve.
19:45
Speaker 4: The Sheese on the Money Team is here to help.
19:48
Speaker 4: Every week, we tackle your dilemmas, both big and small,
19:51
Speaker 4: to answer your most burning money.
19:52
Speaker 2: Career and life questions.
19:54
Speaker 4: To get involved, simply head to our website and leave
19:57
Speaker 4: us a short voice recording and you might just find
19:59
Speaker 4: yourself on the show. Now, let's take a listen to
20:02
Speaker 4: this week's money dilemma.
20:06
Speaker 6: Hey, teams, So, my partner and I are looking to
20:08
Speaker 6: buy our first home together. My partner's already on a
20:10
Speaker 6: mortgage with his family and he doesn't make any of payments,
20:13
Speaker 6: but it does mean the banks still see him as liable,
20:15
Speaker 6: so it's impacted our borrowing power and first home buyer benefits.
20:18
Speaker 6: His parents have generously offered us one hundred thousand dollars
20:20
Speaker 6: to contribute towards our deposit, and at first I felt
20:23
Speaker 6: guilty about taking money from them, but as their decisions
20:26
Speaker 6: have impacted our borrowing power, I kind of feel like
20:28
Speaker 6: a balance is out. But there's also been talk of
20:31
Speaker 6: a financial agreement about who owns how much of our house,
20:34
Speaker 6: and I feel quite uncomfortable about the whole thing because
20:37
Speaker 6: it's very generous of them. But I also feel like
20:39
Speaker 6: it's now my partner and his family buying a house,
20:41
Speaker 6: and I'm just tacked onto the ride.
20:43
Speaker 2: It's making me feel like I don't want to buy anymore.
20:45
Speaker 6: I'll be talking about it with my partner, of course,
20:47
Speaker 6: but I wondered if the community had any thoughts.
20:49
Speaker 2: Thanks, this did not go the way I thought it would.
20:52
Speaker 5: No kind of a couldurn to be in there, didn't I?
20:54
Speaker 2: Yeah, but I can see where it's just coming from.
20:55
Speaker 2: Of course, I totally understand that feeling. Let's start this
20:58
Speaker 2: side of the table, good idea, better to start with
21:02
Speaker 2: the expert. Actually, yeah, you just go hard to go home.
21:04
Speaker 2: That's guys. So what when it comes to buying power?
21:09
Speaker 2: This is what I suggest. Just take care of yourself
21:13
Speaker 2: everyone around you, and that's it for me.
21:16
Speaker 4: I think I think Bec's tip might be, if this
21:20
Speaker 4: is not too rude, understand what buying power is.
21:23
Speaker 2: Ah, that's a very very good piece. We can talk
21:26
Speaker 2: about it after. Sure, we can talk about it after.
21:28
Speaker 4: But I think it's interesting because that is a very
21:31
Speaker 4: generous gift and it obviously gets you ahead. But at
21:35
Speaker 4: the same time, I feel like I don't know if
21:40
Speaker 4: saying this is mean, but I feel like you're taking
21:41
Speaker 4: it the wrong way, like it totally gets you ahead.
21:44
Speaker 4: I totally understand there being a financial agreement. In fact,
21:47
Speaker 4: if you forget the fact that your partner already has
21:49
Speaker 4: a mortgage with his family and the fact that it's
21:52
Speaker 4: being gifted, Like, for a hot second, pretend that your
21:55
Speaker 4: partner has one hundred thousand dollars deposit. If I was
21:57
Speaker 4: going in and buying a house with Jess and she
21:59
Speaker 4: had a hund and I didn't, I would actually expect
22:02
Speaker 4: there to be a financial agreement that says, hey, if
22:05
Speaker 4: we go and sell this house or Jess and I
22:07
Speaker 4: break up for some reason, Jess gets her hundred grand
22:10
Speaker 4: back because that doesn't instantly become my money. So maybe
22:13
Speaker 4: a little bit of a mindset shift around that and going, well,
22:16
Speaker 4: actually that makes sense because if Jess brings one hundred
22:19
Speaker 4: grand to the table and I get to invest and
22:22
Speaker 4: you know, acquire an asset that can appreciate in value,
22:25
Speaker 4: I'm still in a good position here. You know, you're
22:28
Speaker 4: not tacked along for the ride, Like Jess wouldn't be
22:31
Speaker 4: giving me one hundred grand to you know, do that
22:34
Speaker 4: if she didn't expect this relationship to last, so I
22:36
Speaker 4: would assume that the same thing is happening with his family, Like,
22:39
Speaker 4: there's no way, let's be honest, there's no way I
22:41
Speaker 4: would give my kid one hundred grand by house with
22:44
Speaker 4: a duofist that I don't like. Yeah, honestly, I wouldn't there,
22:48
Speaker 4: Like I'd just be like absolutely not, like that's going nowhere,
22:51
Speaker 4: Like they probably see a lot in the relationship.
22:53
Speaker 2: What do you reckon, Jess? I mean if the shoe
22:54
Speaker 2: was on the other foot, And I think I've spoken
22:56
Speaker 2: about this before, like if I buy a house and
22:58
Speaker 2: my partner lives with me, like I would be putting
23:01
Speaker 2: in an agreement if I'm already sat just down back
23:04
Speaker 2: and ben like, all right, what are we doing about
23:05
Speaker 2: this binding financial agreement?
23:06
Speaker 1: Yeah?
23:07
Speaker 5: Like, I just think if if the roles were reversed
23:10
Speaker 5: in the partner message and say, hey, my parents want
23:12
Speaker 5: to give us this money, but I'm not sure, like
23:13
Speaker 5: should I put an agreement in place? Like my advice
23:15
Speaker 5: would be absolutely, Like I I completely understand why they
23:18
Speaker 5: want to do that, and I can see how from
23:20
Speaker 5: our listener's perspective, she goes, oh, well, I feel like
23:23
Speaker 5: maybe I'm just you know, tacked on or I feel valid. Yeah,
23:27
Speaker 5: I understand those feelings, but you have to think about
23:29
Speaker 5: I guess from their end is that they're trying to
23:30
Speaker 5: make sure that everyone's best interests are protected and that
23:33
Speaker 5: everyone's contributions are recognized equitably. So I think that you
23:38
Speaker 5: could like, you're absolutely still part of this journey. You're
23:40
Speaker 5: going to be on the title, you're going to I assume,
23:42
Speaker 5: be contributing to the mortgage or payments and creating the
23:45
Speaker 5: home and doing all of those fun things. But from
23:48
Speaker 5: my perspective, I guess that agreement is about making sure
23:51
Speaker 5: that everyone is looked after should something go wrong touch
23:54
Speaker 5: with that, of course it wouldn't, But should anything go wrong,
23:56
Speaker 5: you've got a really clear delineation between what everybody's contribute
24:00
Speaker 5: it and I guess if you are feeling like you're
24:02
Speaker 5: not as involved, maybe talking to your partner about the
24:05
Speaker 5: fact that you're feeling a little bit left out and
24:07
Speaker 5: making sure that you're super involved in the process of
24:09
Speaker 5: touring the houses, or you know, you and your partner
24:12
Speaker 5: are sitting down and putting your wish list together and
24:14
Speaker 5: that's something that's for you and your partner should do together.
24:17
Speaker 5: The parents are really just trying to kind of help
24:19
Speaker 5: you along the way. I don't think they're trying to
24:21
Speaker 5: jump into bed between you, you know, but.
24:24
Speaker 2: I mean it might be nice that's your.
24:26
Speaker 4: First if that's what you're into, that's what you're into,
24:29
Speaker 4: no judgment if there's consent. But I think the conversation
24:33
Speaker 4: for me actually, like if she's not feeling a part
24:35
Speaker 4: of it, I think it might be a bit of
24:36
Speaker 4: a bigger problem.
24:37
Speaker 2: Right, you said, are you touring the houses? Are his
24:40
Speaker 2: parents now just getting involved and sending him the properties
24:43
Speaker 2: and being like, we think you should buy this one,
24:45
Speaker 2: And it's like not your narrative anymore, Like do you
24:47
Speaker 2: feel cut out because of that? Like is it just
24:50
Speaker 2: the financial side of things? Because if it is just
24:52
Speaker 2: the financial side of things, and they've gone, hey, son,
24:55
Speaker 2: here's one hundred grand, we want to do X, Y
24:57
Speaker 2: and Z for you, and.
24:58
Speaker 4: He goes, great, Jessic, let's buy our first home together. Like,
25:02
Speaker 4: I think that needs some working through. And I do
25:04
Speaker 4: think it's so valid regardless of where it's coming from.
25:06
Speaker 4: Someone asking for a financial agreement when you know there's
25:09
Speaker 4: big sums of money being thrown around like that is
25:12
Speaker 4: very fair. But I can see if that on top
25:15
Speaker 4: of already feeling out of the loop, on top of
25:17
Speaker 4: you know, maybe not being in the family group chat
25:19
Speaker 4: of the properties.
25:19
Speaker 5: That are being sent back and forth.
25:21
Speaker 2: You know, I can imagine that being quite hard.
25:23
Speaker 5: You know.
25:23
Speaker 2: You imagine if I was buying a house with Steve
25:25
Speaker 2: and his parents were texting him links to go and
25:28
Speaker 2: see on the weekend, and then he comes home and says, Oh,
25:30
Speaker 2: I'm going to go to this inspection with my dad.
25:32
Speaker 4: I'd be like, of what, Like, yeah, I don't feel
25:35
Speaker 4: involved in this, and this is my purchase too, because
25:38
Speaker 4: even though they're coughing up the cash, the responsibility is
25:41
Speaker 4: sitting on your shoulders to pay that mortgage.
25:44
Speaker 2: This is your acquisition, not just his.
25:47
Speaker 4: So I would yeah, obviously you say'd have a chat
25:49
Speaker 4: with your partner, but I think have her sit down
25:51
Speaker 4: and think about where you're at first, and like, why
25:53
Speaker 4: do you feel this way? What is triggering you to
25:56
Speaker 4: feel like this, because importantly we need to work through
26:00
Speaker 4: this before you actually get into bed, you could say,
26:03
Speaker 4: in a financial way, because that could just harm the
26:06
Speaker 4: relationship and we don't want that, especially if you're in
26:09
Speaker 4: a happy place where you're talking about buying property together.
26:11
Speaker 5: Decide fighting exactly. We're talking about couples this week, aren't we?
26:15
Speaker 4: We are talking a lot about girls this week, Jess.
26:19
Speaker 4: In fact, one of our dms this week that we
26:21
Speaker 4: took to the community was about splitting the bill at dinner.
26:24
Speaker 2: Do you want to hear what it had to say?
26:26
Speaker 5: All right?
26:27
Speaker 4: So this week the DM we received sounded a lot
26:29
Speaker 4: like this because I'm reading it verbatim. Hey, she's on
26:33
Speaker 4: the money squad. Would love some advice. Every time I
26:36
Speaker 4: go out for dinner or drinks with my friends, the
26:38
Speaker 4: group always tends to split the bill evenly at the
26:41
Speaker 4: end of the night, which I am not a big
26:43
Speaker 4: fan of. I'm trying super hard to save at the moment,
26:45
Speaker 4: so I'll often order a cheaper.
26:47
Speaker 2: Meal on the menu.
26:48
Speaker 4: I'm also not a big drinker, so I always order
26:51
Speaker 4: less drinks than my friends. I'm finding that I'm always
26:54
Speaker 4: spending more when we split the bill evenly versus if
26:56
Speaker 4: I just paid for what I had. I don't want
26:58
Speaker 4: my friends to think that I'm being stingy, and I
27:01
Speaker 4: am a super anti confrontational kind of person, so I
27:04
Speaker 4: always just cut along with it. Do you have any
27:06
Speaker 4: advice on how I could prevent this from happening again,
27:09
Speaker 4: Thank you so much.
27:10
Speaker 5: I feel like it's a super common problem.
27:12
Speaker 4: I feel like we're having this conversation the other day.
27:14
Speaker 4: When are we having this conversation? Wasn't Why does it
27:17
Speaker 4: feel so familiar.
27:18
Speaker 2: All the time, our producers all the time, when we
27:20
Speaker 2: just talk about snacks and drinks and splitting bills all
27:22
Speaker 2: the time?
27:23
Speaker 5: Favorite us too.
27:24
Speaker 4: Yeah, Beck, I know you're not a big drinker. How
27:27
Speaker 4: do you approach this if you're going out for dinner
27:29
Speaker 4: and drinks with friends and you're like, well, I don't
27:31
Speaker 4: drink wine.
27:32
Speaker 5: Cool.
27:33
Speaker 2: Luckily, with my close friend group, it's always it's just
27:37
Speaker 2: I don't have to even mention it, Like we all
27:38
Speaker 2: know I don't drink, so I'm not going to be
27:40
Speaker 2: We all just kind of like pay what we order.
27:42
Speaker 2: Someone pays everything, they get the receipt, and we just
27:44
Speaker 2: pay what we order. Blah blah blah. But people I'm
27:47
Speaker 2: not super super comfortable with. I always try and make
27:49
Speaker 2: it as like less conflict as possible. I don't, I don't.
27:54
Speaker 2: I know that doesn't really make sense, but as least
27:57
Speaker 2: just no, no, no, that's what we want to hear.
27:58
Speaker 2: Like she just said she's an oncommon friend exactly, the
28:01
Speaker 2: advice exactly. So what I do is I try and
28:03
Speaker 2: make it as joky as possible. So as soon as
28:05
Speaker 2: we sit down and be like, I don't want to
28:07
Speaker 2: be that guy. Yes, I'll always like self deprecation goes
28:13
Speaker 2: a long way when you're trying to be joking. So
28:15
Speaker 2: I'll be like, I don't want to be that guy,
28:16
Speaker 2: but I'm really broke. So what I'm going to do
28:18
Speaker 2: is not order that much and then I'll just pay whatever.
28:21
Speaker 2: If that's okay with everyone, And literally all the time people.
28:24
Speaker 4: Like, yeah, if you imagine exactly, it's way more possible outcome.
28:31
Speaker 2: Oh my gosh, beck, are you okay? That's what we
28:33
Speaker 2: want to hear.
28:35
Speaker 5: Would be nice.
28:37
Speaker 2: It wouldn't turn that down, no, but it's always way
28:39
Speaker 2: more awkward at the end of your meal or your
28:42
Speaker 2: whatever you're having cocktails or whatever you're doing, if they've
28:46
Speaker 2: expected that it will be seat and they've gone ordered
28:50
Speaker 2: another thing. Because I think people do that, I feel
28:52
Speaker 2: like they're like, oh, it's finally splitting it. I will
28:53
Speaker 2: have another cocktail. Rude exactly. Not, So I would say
29:01
Speaker 2: get that conversation out of the way. As early as possible,
29:03
Speaker 2: even while you're making plans, if you want to be like, hey, yeah,
29:06
Speaker 2: let's go here, just so you guys know, I'm kind
29:07
Speaker 2: of broke, so I'm not gonna order that much. Let's
29:09
Speaker 2: just sort out the bill layer blah blah blah. Yeah,
29:11
Speaker 2: but get get that conversation out of the way as
29:13
Speaker 2: early as possible. You feel like you're good at having
29:15
Speaker 2: those conversations though, thank you, thank you so much, as jokey,
29:18
Speaker 2: as self deprecating as possible, so that it's not like,
29:22
Speaker 2: you know, conflicting or all the world.
29:24
Speaker 5: You know, not that you should have to do that.
29:26
Speaker 5: You have to have to minimize yourself.
29:28
Speaker 2: Absolutely not, but just if you're feeling it doesn't work
29:31
Speaker 2: in our social circle. Whenever there self deprecates, I'm like,
29:34
Speaker 2: can you not that's true? You guys, I'm always like,
29:36
Speaker 2: are you done? Because that's not okay? And then you go,
29:39
Speaker 2: oh damn. I think and I've said this before on
29:46
Speaker 2: the podcast, like we could be really clear and go yeah, cool, Well, Jessica,
29:50
Speaker 2: you should walk in and just tell your friends that
29:52
Speaker 2: they need to respect you.
29:53
Speaker 4: No one's gonna do that, Like I want a non
29:55
Speaker 4: I'm not a confrontational person, like I don't want to
29:59
Speaker 4: walk in and be a agressive about something, even though
30:01
Speaker 4: you're right, like I do deserve that, and there are
30:03
Speaker 4: some people that that works really well for. But I
30:05
Speaker 4: think it's these softer ways of approaching things, even if
30:08
Speaker 4: it means, you know, being a little bit self deprecating,
30:10
Speaker 4: if you're like, that's the thing that makes me feel
30:13
Speaker 4: confident enough to ask for what I need. Like, I
30:15
Speaker 4: think that we should give that a little bit of
30:17
Speaker 4: credit to sometimes even though I'm like, you shouldn't do
30:19
Speaker 4: that totally if it makes like if it makes you comfy,
30:22
Speaker 4: like sometimes we just do things that make ourselves a
30:24
Speaker 4: little bit more comfy totally.
30:26
Speaker 2: Jess, what would you do? How do you do it
30:28
Speaker 2: at dinner?
30:28
Speaker 5: I mean, I think we don't even have to do
30:32
Speaker 5: it because I hang out with effectively two groups of friends.
30:35
Speaker 5: You guys are my other grad friends.
30:36
Speaker 2: Like we've just kind of like got our team and
30:39
Speaker 2: mean like we're our friends now yeah, now kiss one.
30:42
Speaker 5: But I think the interesting thing is is once you
30:45
Speaker 5: establish a precedent, once you have that conversation once, I
30:49
Speaker 5: don't think you ever have to have it in because
30:50
Speaker 5: when I reflect on how we do it in our
30:52
Speaker 5: friend group. If we go out to dinner a lot
30:54
Speaker 5: of the time we will kind of split it evenly
30:56
Speaker 5: unless there is someone like we have one friend who's
30:59
Speaker 5: currently doing the fodmap thing and so he's having real
31:03
Speaker 5: specific food, he's not drinking alcohol, Like it's very, very particular.
31:06
Speaker 5: And so when we all went out to dinner that
31:08
Speaker 5: like that long ago, we said, okay, cool, so like
31:10
Speaker 5: the six of us, we're all going to share plates.
31:12
Speaker 5: Everyone's gonna you know, bit CPC. We all good to
31:15
Speaker 5: split it. Yeah cool, you sean you to your own
31:18
Speaker 5: and we just took it off the top. And once
31:20
Speaker 5: we've done that once, that's just how it always is. Yea,
31:23
Speaker 5: And you can set the precedent. Yeah, Or if someone's
31:24
Speaker 5: pregnant and they're not drinking, because that exactly right, then
31:28
Speaker 5: you kind of I think you just automatically consider that
31:32
Speaker 5: because you've done it before. So I think once you've
31:34
Speaker 5: had that conversation that Beck was saying once or twice
31:37
Speaker 5: and you've made that point, it kind of theoretically just
31:40
Speaker 5: becomes a second nature. Like you just have to establish
31:43
Speaker 5: the parameters, like hey, do we all pay for ourselves always?
31:46
Speaker 5: Or hey do one or two people consume less, and
31:49
Speaker 5: therefore should we just make sure that we're always knocking
31:51
Speaker 5: theirs off the top first and then splitting. So it's
31:53
Speaker 5: I think once you get over that hump, it probably
31:55
Speaker 5: also gets a lot easier.
31:56
Speaker 2: Yeah. I think for this particular question, they say, every
32:00
Speaker 2: time I go out, we just split it evenly, Like,
32:02
Speaker 2: how do we change that?
32:04
Speaker 5: You got togae something to change something?
32:05
Speaker 4: Yeah, exactly, you've just got to put your head out,
32:07
Speaker 4: and you know what, I reckon that you're not the
32:09
Speaker 4: only person thinking that I was gonna see you can't
32:11
Speaker 4: be the only one at the table if that's the case,
32:14
Speaker 4: in which case I'd just get on the front foot,
32:16
Speaker 4: not like front foot like you beck where you're saying
32:18
Speaker 4: it upfront. I would be like, oh, let's get the
32:21
Speaker 4: bill and I can work out what everybody owes and
32:23
Speaker 4: like kind of take control of the conversation and be like,
32:26
Speaker 4: oh my gosh, it would be so unfair because Jess
32:28
Speaker 4: only had one cocktail and kind of just try and
32:31
Speaker 4: put it in a position where you're the one asking
32:33
Speaker 4: for the bill, like, oh, hey, let's grab the bill
32:36
Speaker 4: so we can all work out what we owe And
32:38
Speaker 4: then if somebody says, oh, we'll just split it evenly. Go, oh,
32:41
Speaker 4: that's not the fairest way, though, because like, what are
32:43
Speaker 4: they going to do argue with you when you say
32:45
Speaker 4: that's not the fairest way, Whereas it's from my perspective
32:48
Speaker 4: a lot harder. Once they're like, oh, we'll just split
32:50
Speaker 4: it evenly, and everyone's like nodding, and you're like, I
32:52
Speaker 4: don't want to.
32:52
Speaker 2: Be like, don't want to be that guy. I don't
32:55
Speaker 2: want to be that guy. Don't want to be that guy.
32:57
Speaker 4: But I think if you put yourself in they're like
33:00
Speaker 4: control seat of like, oh, let's work out what we
33:01
Speaker 4: all are. I'll get my calculator up out, like you
33:04
Speaker 4: can be the instigator in a way, sure of that,
33:07
Speaker 4: And then you know what, other people are going to go,
33:09
Speaker 4: oh great, I don't have to do the maths of it,
33:10
Speaker 4: because there are going to be people sitting at that
33:12
Speaker 4: table who are in the financially comfortable position where they're like,
33:16
Speaker 4: doesn't worry me if we split it evenly, doesn't worry
33:19
Speaker 4: me if we do it you know individually, I can't
33:22
Speaker 4: be bothered working it out.
33:24
Speaker 2: Someone just tell me what I owe?
33:25
Speaker 4: Yeah, And like I have been guilty of that, like
33:28
Speaker 4: I have definitely been guilty where you know, I'll be like,
33:31
Speaker 4: that's fine, Like I'll pay whatever you want, like after
33:33
Speaker 4: two wines, Like I'm not that interested in whipping out
33:36
Speaker 4: my calculator up and working it out, so I'll just
33:39
Speaker 4: be like, Yep, you guys.
33:39
Speaker 2: Tell me what we're doing, and that's fine, and that's
33:41
Speaker 2: not the best way to be, but you know, it's
33:44
Speaker 2: all own up to our our failures, but that's okay.
33:47
Speaker 5: Did anyone else have suggestions on how you can handle us?
33:49
Speaker 2: So many suggestions.
33:50
Speaker 4: Before we get to suggestions, though, we did ask a
33:52
Speaker 4: few questions. We said, how does your friend group split
33:55
Speaker 4: the bill on a night out? Twenty nine percent of
33:58
Speaker 4: you said you split evenly, and eventy one percent of
34:01
Speaker 4: you said you just pay for what you ordered individually.
34:03
Speaker 2: So that's good. Yeah, but we're all savvy finance queens,
34:06
Speaker 2: so I don't reckon that's the norm. I reckon that's
34:08
Speaker 2: just the shees on the money community, because I've got
34:10
Speaker 2: tickets on them being good.
34:12
Speaker 3: Agreed.
34:12
Speaker 2: We said, if you split it evenly, are you happy
34:15
Speaker 2: to do this? Thirty nine percent of you said, yep,
34:18
Speaker 2: it's actually just the easiest way sixty one percent of
34:20
Speaker 2: you said not not really, but I just go along
34:22
Speaker 2: with it.
34:23
Speaker 5: Yeah, I.
34:25
Speaker 2: Relatable.
34:26
Speaker 4: We said, do you think you would spend less money
34:28
Speaker 4: if you paid for only what you ordered?
34:31
Speaker 2: Sixty seven percent of you said, yeah, oh is that bad?
34:36
Speaker 2: That is bad. So there's always someone just going a
34:40
Speaker 2: dragon drinks. There's always one. I'm thinking, there's always one.
34:44
Speaker 5: There's always one.
34:45
Speaker 2: It'd be so boring going out for dinner nowadays with us.
34:47
Speaker 4: You don't drink. I can't drink. Jess is a one
34:50
Speaker 4: and done kind of girly. Oh yeh, would'd be fine?
34:53
Speaker 2: Cheat you get silly, Yeah, like we get. You've heard
34:56
Speaker 2: us on the podcast. None of us really drink, and
34:58
Speaker 2: that's how silly we are, exactly, like, that's how do
35:02
Speaker 2: you know what actually? Complete side notes. I was pregnant
35:05
Speaker 2: at my my Barbie Themes birthday and the amount of
35:09
Speaker 2: people that you know, after my birthday, I was announcing
35:12
Speaker 2: that I was pregnant, you know, told my friends They're like,
35:14
Speaker 2: you were drinking at your birthday. I was like, no,
35:16
Speaker 2: Badbell was high on life, like I did not have
35:18
Speaker 2: one drink. I in fact, had mocktails all night. I
35:22
Speaker 2: was just vibing and they're like, oh, okay, I'm like
35:27
Speaker 2: the bar stuff worrying on it.
35:28
Speaker 5: It was pocastery.
35:29
Speaker 2: Wow, I was had some fake champagne going so I
35:32
Speaker 2: could hold it in photos and everybody knew true. I
35:34
Speaker 2: just wasn't ready to share it. Okay, Yeah, that's okay,
35:37
Speaker 2: all right. So back to the question. This is what
35:40
Speaker 2: the community had to say. Lots of responses on this one.
35:43
Speaker 4: So someone said, try and choose places where you pay
35:46
Speaker 4: when you order or are still using a QR code system.
35:50
Speaker 5: You are coded savior. It gets rid of the awkward
35:54
Speaker 5: thing like everyone just whip out your phone. Right, we
35:56
Speaker 5: were going to fonder literally done.
35:58
Speaker 4: I reckon I could how to deal with Jess where
36:01
Speaker 4: if I said, every time we go out for dinner
36:02
Speaker 4: or lunch in the future, it'll always be it fun,
36:04
Speaker 4: she'd agree to it. Yeah, not because of QR code.
36:07
Speaker 4: She just really likes that she can read over. Someone
36:12
Speaker 4: else said, it's really related to age and live stage.
36:14
Speaker 4: As we've gotten older and have higher disposable income, the
36:18
Speaker 4: less issue we have with splitting. Yeah, like you said,
36:21
Speaker 4: I'm actually finding that to be very true.
36:24
Speaker 2: It's interesting now that I'm in my thirties.
36:25
Speaker 4: Guys, and you know, it's no longer us just going
36:28
Speaker 4: out for like UNI lunches or you know, dinner with
36:31
Speaker 4: friends at reasonable places. Like I have expensive taste, and
36:35
Speaker 4: sometimes I really want to go out for like, you know,
36:37
Speaker 4: my husband's birthday and to spend a really nice amount
36:40
Speaker 4: on dinner. We do definitely budget in in like he
36:43
Speaker 4: does not get any uber eats that week. But I
36:46
Speaker 4: find the more expensive the restaurant, the more likely I
36:50
Speaker 4: am to with another couple just split it met because
36:53
Speaker 4: you end up like ordering a bottle of wine together
36:56
Speaker 4: and the meals are all kind of comparable, and it
36:59
Speaker 4: just becomes a bit of an issue.
37:01
Speaker 2: I would say to kind of go, all right, well
37:03
Speaker 2: did you have this? And I had that? And like,
37:06
Speaker 2: I think, the more expensive the restaurant, the less likely
37:08
Speaker 2: you are to split it item by item. Sure, because
37:11
Speaker 2: if you're concerned about saving you're probably not not going
37:13
Speaker 2: to Mathilda onto Main Road. Yeah, yeah, yeah, no, it's true.
37:17
Speaker 4: But it's interesting because that's when you probably should be
37:20
Speaker 4: a little bit more cautious because of lifestyle creep and
37:22
Speaker 4: things getting away from you. And yeah, I just totally reflecting.
37:26
Speaker 4: That's interesting. Someone said I have in the past just
37:29
Speaker 4: handed over cash towards the bill and said, hey, this
37:31
Speaker 4: amount covers my meal.
37:34
Speaker 5: I feel like that's a smart way to do it.
37:35
Speaker 5: Pretty good.
37:36
Speaker 4: I feel like it's a good way, but it might
37:38
Speaker 4: make you a bit like, I don't know, well, what
37:43
Speaker 4: if you have the right cash, you might have to
37:46
Speaker 4: like go and research the meals beforehand, like if everybody
37:51
Speaker 4: else was expecting to split it and then it does it.
37:53
Speaker 2: I don't know.
37:53
Speaker 4: I feel like that's a good one because it's definitely
37:56
Speaker 4: putting it in control. But I think, yeah, that might
37:59
Speaker 4: be a little bit harder because I'd hate for them
38:01
Speaker 4: to turn around and be like, oh, Beck, like we're
38:03
Speaker 4: splitting it evenly, it's an extra ten bucks, and you go, well,
38:05
Speaker 4: I don't have it.
38:06
Speaker 2: Yeah, yeah, true.
38:08
Speaker 4: I just don't want an awkward situation to arise next.
38:11
Speaker 4: Someone said, just check with the waiter if you can
38:13
Speaker 4: pay separately before they order. It often helps to manage expectations.
38:17
Speaker 4: That's a good idea.
38:19
Speaker 2: It's very good. That's very good. Someone else said.
38:22
Speaker 4: Sometimes I say, at the start of the meal, I'm
38:23
Speaker 4: going to splurge and order X y Z tonight, So
38:27
Speaker 4: let's check with the waiter and see if they can
38:29
Speaker 4: split the bill.
38:30
Speaker 2: Yeah, that's a good idea.
38:33
Speaker 5: I like that.
38:33
Speaker 2: It's like yours. Yeah, okay, Beck is going to be
38:38
Speaker 2: more positive this year. I can feel it in my bones. Yeah,
38:41
Speaker 2: I can feel it too, right. Someone said it's especially
38:45
Speaker 2: unfair for those who don't drink. It reminds me of
38:48
Speaker 2: that Friends episode if you know, you know, never watched.
38:51
Speaker 2: I definitely know what she's talking about. It's a Seinfeld
38:55
Speaker 2: girly I oh, no, one said that. Someone said, you
39:02
Speaker 2: know what, you should be able to talk to your
39:04
Speaker 2: friends in an open conversation about money. True. Ideally friends
39:10
Speaker 2: be friends. That's true exactly. Someone said it really depends
39:14
Speaker 2: if you shared meals or not.
39:15
Speaker 5: Ah.
39:15
Speaker 2: Yes, if you're at one of those tapasy kind of restaurants,
39:18
Speaker 2: we like, do what Jess was saying before, We have
39:21
Speaker 2: little bits of everything, do you Yeah, my favorite way.
39:25
Speaker 2: I know everyone loves them, but I just like, if
39:28
Speaker 2: I'd like the taste of something, I want a whole
39:30
Speaker 2: plate of it.
39:30
Speaker 5: Be fussy, fussy, you do not really, I don't think.
39:35
Speaker 2: I also, I just don't like the idea that like,
39:38
Speaker 2: if there's a shrimp or I don't I call it
39:40
Speaker 2: a shrimp a prawn, that I like in like a
39:42
Speaker 2: plate of maybe you get five prawns, for example, you're
39:44
Speaker 2: eating with five people. If you like the taste of
39:46
Speaker 2: it so much, that's it.
39:48
Speaker 5: You're done after the one.
39:50
Speaker 2: I don't like it. I don't like it.
39:52
Speaker 4: Okay, So this is where jess and I really like
39:55
Speaker 4: duning it Chinchin. What do we do with the entrees
39:58
Speaker 4: that we like the most? Yess we just order like
40:01
Speaker 4: double of them.
40:03
Speaker 2: Okay, that's not a bad idea. Actually it was so
40:06
Speaker 2: nice we bought it twice.
40:08
Speaker 4: But there's yeah, there's one no tree at Chincin where
40:10
Speaker 4: I'm not like we can share everything, Jessica, but you
40:14
Speaker 4: will be getting your own one if these do not
40:16
Speaker 4: touch mine.
40:17
Speaker 2: Yes, yes, yes, yes, that's exactly right.
40:19
Speaker 5: Don't touch it.
40:20
Speaker 2: It's not happening.
40:20
Speaker 5: No.
40:21
Speaker 2: Not good at sharing though.
40:23
Speaker 5: So yes, exactly.
40:27
Speaker 4: A lot of the other I won't go too far
40:29
Speaker 4: into them, because honestly, there were hundreds of responses, but
40:32
Speaker 4: lots of the conversation was really about please communicate with
40:35
Speaker 4: your friends about setting expectations. In fact, something might come
40:39
Speaker 4: up where they suggest you don't even go out at
40:41
Speaker 4: all and you all save money by having a few
40:44
Speaker 4: more dinner parties at home, which I think is brilliant
40:47
Speaker 4: and quite smart, and to be honest, very she's on
40:49
Speaker 4: the money. I feel like at this point in this economy,
40:52
Speaker 4: Jessica Rici, Yeah, in this economy, we can't actually afford
40:57
Speaker 4: to be always dining out and just having open on conversations.
41:01
Speaker 4: They're going to make everybody at the table feel so
41:03
Speaker 4: much more confident, so much more comfortable.
41:05
Speaker 2: Like, oh, I went to one of make girlfriends the
41:07
Speaker 2: other day.
41:07
Speaker 4: She's recently had a baby, and I made sandwiches before
41:10
Speaker 4: I went like, sandwiches yep.
41:15
Speaker 2: Love that had some lemonade on her balcony.
41:18
Speaker 5: Yeah, so fun.
41:20
Speaker 4: But like, I think we need to remember why you're
41:22
Speaker 4: catching up with these people in the first place. I
41:23
Speaker 4: promise it's not because you are worried about splitting a prawn.
41:27
Speaker 2: Yeah, I'm worried. Next time we're out for dinner, let
41:31
Speaker 2: Beck have the X, you can have all the prime.
41:33
Speaker 5: Thank you so much, Thank you.
41:36
Speaker 4: All right, well, I think that is unfortunately all we
41:38
Speaker 4: have time for this week. As always, we wish you
41:41
Speaker 4: the best weekend and we cannot wait to.
41:43
Speaker 2: See you on Monday for our money diary. Bright and
41:45
Speaker 2: early bye guys.
41:47
Speaker 4: Bye, The advice shared on Cheese on the Money is
41:56
Speaker 4: generally in nature and does not consider your individual circumstances.
42:00
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42:03
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