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Moving on out (of home for the first time) · She's On The Money

• 0:00
  Speaker 1: She's on the Money.
• 0:02
  Speaker 2: She's on the Money.
• 0:29
  Speaker 1: Hello, and welcome to She's on the Money, the podcast
• 0:32
  Speaker 1: for millennials who want financial freedom. Moving out of home
• 0:35
  Speaker 1: is an incredibly exciting step. There's the independence, the freedom,
• 0:39
  Speaker 1: the thrill of living with mates for the first time.
• 0:42
  Speaker 1: But as I quickly learned when I moved out for
• 0:45
  Speaker 1: the first time, along with all of that excitement comes
• 0:47
  Speaker 1: a whole lot of expense.
• 0:49
  Speaker 3: It's real, Yeah, it really is.
• 0:52
  Speaker 1: So today we'll be talking you through the A to
• 0:54
  Speaker 1: z of how to prepare financially before you take the
• 0:57
  Speaker 1: leap and move out. Plus, we'll be listing our top
• 1:00
  Speaker 1: tips and some tips from the community for frugal living
• 1:03
  Speaker 1: when you're set up and in your new home. My
• 1:06
  Speaker 1: name is Georgia King, and joining me as always is
• 1:10
  Speaker 1: financial advisor Vicki.
• 1:11
  Speaker 3: D hill v. They're still using that name.
• 1:14
  Speaker 1: Have we noticed that it's taken off a little bit?
• 1:18
  Speaker 1: Like it's really it took off ages ago and now
• 1:20
  Speaker 1: it's really up in the dem sky.
• 1:22
  Speaker 3: I feel like our community kind of act like friends
• 1:25
  Speaker 3: but also siblings to me, Like you know how they
• 1:28
  Speaker 3: use like annoying nicknames that they know you don't like,
• 1:31
  Speaker 3: but they're like but she'll put up with it because
• 1:33
  Speaker 3: like she tells stuff like yeah, I get it, like
• 1:36
  Speaker 3: it's endearing, but it's just it's just not my national.
• 1:38
  Speaker 1: She loves it. Guys, keep on, keep on keeping on.
• 1:41
  Speaker 1: So V there is a lot to consider when it
• 1:44
  Speaker 1: comes to moving out of home.
• 1:45
  Speaker 3: There is what do we need.
• 1:46
  Speaker 1: To factor in from a financial perspective before we move out?
• 1:50
  Speaker 3: Well, if we're in the position where we are thinking
• 1:52
  Speaker 3: about moving out of home, some of us were forced
• 1:54
  Speaker 3: into it. So I just want to like acknowledge that
• 1:56
  Speaker 3: this podcast, I guess this specific topic has come from
• 2:00
  Speaker 3: an overwhelming amount of people in our community being like
• 2:03
  Speaker 3: we need help, what is going on? What is this?
• 2:05
  Speaker 3: But I think we also need to acknowledge that to
• 2:07
  Speaker 3: make the conscious decision to plan to move out of
• 2:10
  Speaker 3: home and go okay, well can I afford it or
• 2:13
  Speaker 3: not is not afforded to absolutely everybody, And some people
• 2:16
  Speaker 3: were forced out of home. Some people were kicked out
• 2:19
  Speaker 3: of home, some people didn't have a home. So I
• 2:21
  Speaker 3: just want to acknowledge that we're not so naive that
• 2:24
  Speaker 3: we don't know that this is not the quote usual process.
• 2:28
  Speaker 3: But this pod is literally to talk about the costs
• 2:32
  Speaker 3: of moving out of home for the very first time,
• 2:34
  Speaker 3: whether that is you being a unie student or you've
• 2:37
  Speaker 3: got your first job and you're finally doing it like
• 2:39
  Speaker 3: this pod is I guess a little bit more specific.
• 2:42
  Speaker 3: I mean, it's still going to be useful information for anybody,
• 2:44
  Speaker 3: but I didn't want to just dive straight in and say, oh, well,
• 2:47
  Speaker 3: this is the process and this is how it works,
• 2:49
  Speaker 3: like we're not silly a guy.
• 2:51
  Speaker 1: No, that's really good to make clear at the top.
• 2:53
  Speaker 3: But first things first, back to your question, gking, what
• 2:56
  Speaker 3: do we need to consider first, which I remember being
• 3:00
  Speaker 3: really stumped by because it was like me too, I
• 3:02
  Speaker 3: didn't see it coming, like just kind of like came
• 3:04
  Speaker 3: out of nowhere and hit me in the face. The bond,
• 3:08
  Speaker 3: So the bond is usually a month's worth of rent
• 3:11
  Speaker 3: that you have to pay in advance that gets held
• 3:14
  Speaker 3: as kind of like a security over the property in
• 3:16
  Speaker 3: case you like damage it and then run away. They
• 3:18
  Speaker 3: can use the bond to fix the property. So that
• 3:22
  Speaker 3: to me ended up being far more expensive than I
• 3:24
  Speaker 3: thought it was going to be. So it's usually four weeks,
• 3:27
  Speaker 3: can be six weeks, can be more. It's actually up
• 3:29
  Speaker 3: to the landlord how much bond they want to take
• 3:32
  Speaker 3: for the specific property, Like if you were going to
• 3:34
  Speaker 3: rent a mega mansion, maybe the bond would be a
• 3:36
  Speaker 3: bit more because there's a lot of costs, but usually
• 3:38
  Speaker 3: between four and six weeks worth of rent and you
• 3:42
  Speaker 3: have to pay that upfront in addition to paying a
• 3:44
  Speaker 3: month's rent up front.
• 3:46
  Speaker 1: Yes, that's a lot from the outset, isn't it.
• 3:48
  Speaker 3: It's speno And you know, it's really overwhelmed me because
• 3:51
  Speaker 3: sometimes when you're just thinking about moving out of home,
• 3:53
  Speaker 3: you're like, oh, well, I can afford two hundred dollars
• 3:55
  Speaker 3: a week if that's what your rent is like. We
• 3:56
  Speaker 3: often don't consider that we need to save for a
• 3:59
  Speaker 3: bond and make sure that we have the first month
• 4:01
  Speaker 3: of rent in advance to pay. It can just feel like,
• 4:04
  Speaker 3: oh my gosh, this got really expensive really quickly. Then
• 4:08
  Speaker 3: there's bills. Sometimes you get lucky and some of them
• 4:10
  Speaker 3: are included in rent. Definitely have a look at that.
• 4:13
  Speaker 3: My last rental, we didn't have to pay a water
• 4:16
  Speaker 3: bill really because it was like in a townhouse complex
• 4:19
  Speaker 3: and the water bill was paid by body corporate money wins.
• 4:23
  Speaker 1: Do you have to pay a body corporate piece?
• 4:24
  Speaker 3: No? Because I was renting, and that was that was
• 4:27
  Speaker 3: a cost that the landlord had to thank you money win.
• 4:30
  Speaker 3: But you'll have things like electricity and gas and Wi
• 4:33
  Speaker 3: Fi and water and potentially insurances that you want to
• 4:37
  Speaker 3: set up, but we'll talk about them in a hot minute. Then,
• 4:39
  Speaker 3: if you don't have family or mates that have big
• 4:42
  Speaker 3: station wagons, you can chuck all this stuff in the
• 4:44
  Speaker 3: back of or like me when I first moved out
• 4:46
  Speaker 3: of home, a two door, tiny coupe car that you like,
• 4:50
  Speaker 3: put the seats in the back down and stuff full
• 4:52
  Speaker 3: and do one hundred trips back and forth. I'm not
• 4:55
  Speaker 3: paying a removal list, but you might need to pay
• 4:57
  Speaker 3: a removal list. And then a really niche one is
• 5:00
  Speaker 3: parking permits. So if you're moving into a CBD location
• 5:04
  Speaker 3: that has a permit on the property that maybe doesn't
• 5:07
  Speaker 3: already exist, you'll have to pay to apply for the permit.
• 5:10
  Speaker 3: If you want that parking space, again, ask your real
• 5:13
  Speaker 3: estate agent. They'll no more than me. But I remember
• 5:15
  Speaker 3: being super surprised when I moved out of home to
• 5:18
  Speaker 3: the city and I was like, what do you mean,
• 5:20
  Speaker 3: what's a parking permit? Like how does that work? And
• 5:23
  Speaker 3: just being genuinely shook that you had to pay for
• 5:26
  Speaker 3: that as rude.
• 5:27
  Speaker 1: I know, yeah, I think from memory it's about one
• 5:29
  Speaker 1: hundred dollars a year for a parking permit.
• 5:31
  Speaker 3: Yeah, like it's not heaps, but like when you're moving
• 5:33
  Speaker 3: down another one hundred dollars on top of everything else
• 5:36
  Speaker 3: you're already paying, and how much you've already spent it
• 5:38
  Speaker 3: came out it's a lot, Georgia.
• 5:39
  Speaker 1: Okay. So they're the main things we need to factor
• 5:44
  Speaker 1: in before we've moved out. What about when we're in,
• 5:47
  Speaker 1: we live in, we're doing it, what should we expect
• 5:49
  Speaker 1: to pay then?
• 5:50
  Speaker 3: So obviously rent, like we need to consistently pay that.
• 5:54
  Speaker 3: That was the agreement. You'll have bills obviously again mention
• 5:58
  Speaker 3: them already, but there'll be things that are ongoing and
• 6:01
  Speaker 3: things that fluctuate. Important to understand as well, like sometimes
• 6:05
  Speaker 3: you have to overbudget because you don't know what the
• 6:09
  Speaker 3: electricity bill is going to be, especially in that first
• 6:11
  Speaker 3: year of moving out. You're kind of like, well, I've
• 6:13
  Speaker 3: never lived in a house with two other people, and
• 6:15
  Speaker 3: I don't know what that's going to look like. It
• 6:18
  Speaker 3: makes sense, so sometimes you have to overbudget to make
• 6:21
  Speaker 3: sure that you can afford the bills because electricity is
• 6:24
  Speaker 3: based on consumption, whereas like your phone bill, you might
• 6:27
  Speaker 3: be fifty bucks a month and you just know that
• 6:29
  Speaker 3: for sure. So it's about understanding your bills and then
• 6:32
  Speaker 3: you know if you are a bit confused. I've said
• 6:34
  Speaker 3: this about insurances, I've said this about super call the
• 6:38
  Speaker 3: call center. Call up Red Energy and be like, hey,
• 6:40
  Speaker 3: Red Energy, I leave in Richmond and I have two housemates.
• 6:44
  Speaker 3: Can you give me an idea of what my electricity
• 6:46
  Speaker 3: bill is going to be. It will help you and
• 6:49
  Speaker 3: they will know because they'll have all the averages and
• 6:51
  Speaker 3: all the research and they will know or ask your
• 6:53
  Speaker 3: friends that live in a similar area. You also have groceries,
• 6:57
  Speaker 3: so food, obviously you got to eat it. I was
• 7:00
  Speaker 3: really good at Ramen at UNI. Like every stereotypical university
• 7:05
  Speaker 3: student raman frozen vegetables. You have got yourself a krem
• 7:08
  Speaker 3: Del fremmeal. But you'll also have ongoing costs which can
• 7:13
  Speaker 3: be causes the tension in relationships with your housemates, which
• 7:18
  Speaker 3: I think we covered recently. Yeah, because I was talking
• 7:22
  Speaker 3: about my quote fake housemate Chloe. That's correct, her name's
• 7:26
  Speaker 3: not Chloe, but interesting. But you'll have household expenses like
• 7:31
  Speaker 3: toilet paper and cleaning items, and maybe you have instant
• 7:34
  Speaker 3: coffee that you all share. And if you're living with housemates,
• 7:37
  Speaker 3: it's going to be up to you on how you
• 7:38
  Speaker 3: do groceries, Like you might just do a big shop
• 7:41
  Speaker 3: together and share those things, or you might have your
• 7:44
  Speaker 3: separate shelves in the fridge and you eat your flour
• 7:46
  Speaker 3: and I ate mine and we don't cross over, but
• 7:49
  Speaker 3: maybe we share the salt and pepper. Like this is
• 7:51
  Speaker 3: where communication is really important to understand the expectations of
• 7:54
  Speaker 3: your future housemates. And it's something that I didn't have
• 7:58
  Speaker 3: that conversation when I moved out for the first time.
• 8:01
  Speaker 3: I just didn't know I needed to. Like, I moved
• 8:04
  Speaker 3: out and it was all sunshine and roses, and I
• 8:05
  Speaker 3: was so excited because we had this apartment. I was
• 8:08
  Speaker 3: eighteen and that was just like so cool and I
• 8:10
  Speaker 3: was like, all my friends can come up on the weekend.
• 8:13
  Speaker 3: That was all I cared about. But then having a
• 8:15
  Speaker 3: discussion around grocery bills, we ended up doing it as
• 8:19
  Speaker 3: a house I don't eat meat, yeah, so that made
• 8:23
  Speaker 3: it really expensive and I was paying for something that
• 8:26
  Speaker 3: I wasn't consuming or using. And then other people liked
• 8:29
  Speaker 3: like chips and snacks and stuff, but mine were different.
• 8:32
  Speaker 3: And I think it's just important to set those expectations
• 8:35
  Speaker 3: and know what that really means. So in theory, great,
• 8:38
  Speaker 3: I'd love to share the grocery bill, do you though?
• 8:41
  Speaker 1: Yeah?
• 8:42
  Speaker 3: So I think it's really important. And we mentioned last
• 8:44
  Speaker 3: time as well the apps split wise flagged before really
• 8:48
  Speaker 3: great up not sponsored. Wish we were, we could do
• 8:51
  Speaker 3: such great promos for that business. But split wise is
• 8:54
  Speaker 3: a really good app to keep track of your spending
• 8:56
  Speaker 3: and make sure that you're not having to text Gking
• 8:59
  Speaker 3: fifty times and like, how's just wondering? Yeah, can you
• 9:02
  Speaker 3: please transfer me X for the grocery bill or for
• 9:05
  Speaker 3: electricity or whatever like, and it just doesn't get lost.
• 9:07
  Speaker 3: Really helpful.
• 9:09
  Speaker 1: So what is the easiest way to manage our expenses? Then? VD,
• 9:14
  Speaker 1: we're young, we're out of home, and now we're like,
• 9:17
  Speaker 1: oh my hat life, it's expensive. How do we deal
• 9:21
  Speaker 1: with that?
• 9:21
  Speaker 3: You have a budget And I'm sorry that that's so bland,
• 9:24
  Speaker 3: but a budget is just going to tell you what
• 9:27
  Speaker 3: to expect. There's a free one on the She's on
• 9:29
  Speaker 3: the money website, download it, use it. I've put as
• 9:32
  Speaker 3: many categories in as I think are necessary completely editable,
• 9:36
  Speaker 3: though you can add your own categories. You can delete
• 9:39
  Speaker 3: all mine if you think they're terrible. But it will
• 9:42
  Speaker 3: show you what your income is, It will show you
• 9:44
  Speaker 3: what your expenses are, and you could even play around
• 9:46
  Speaker 3: with that budget and just put in pretend expenses, like
• 9:50
  Speaker 3: do a mock budget, Like that's something that I think
• 9:53
  Speaker 3: is a really good tool. If you're thinking about moving
• 9:55
  Speaker 3: out or even thinking about leasing somewhere more expensive, put
• 9:59
  Speaker 3: in the new expenses and see what that does to
• 10:00
  Speaker 3: your cash flow and how much you'll be able to
• 10:02
  Speaker 3: save or how much you'll be able to live on
• 10:04
  Speaker 3: for groceries or whatever that looks like. But I do
• 10:08
  Speaker 3: genuinely think you need to plan and actually just break
• 10:11
  Speaker 3: it down, like we can't not have a budget. A
• 10:14
  Speaker 3: budget is not something that's restrictive. It's actually something that
• 10:18
  Speaker 3: tells you how much money is going into your bank
• 10:19
  Speaker 3: account and how much is coming out and do I
• 10:22
  Speaker 3: have enough to meet my commitments? Like it's not actually
• 10:25
  Speaker 3: going well, actually, Georgia, you only have fifty dollars a
• 10:28
  Speaker 3: week for groceries. It's how much are you spending on groceries?
• 10:31
  Speaker 3: And is that stopping you from paying the electricity bill,
• 10:34
  Speaker 3: because if it is, you're not going to have electricity
• 10:36
  Speaker 3: or you might get kicked out of your house. Like,
• 10:38
  Speaker 3: it's actually really important for you to understand how much
• 10:41
  Speaker 3: money you have coming in and how much you have
• 10:44
  Speaker 3: going out, even if you're at UNI, even if you're
• 10:46
  Speaker 3: casually employed and just do a few shifts here and there,
• 10:49
  Speaker 3: even if you're on centlink, it doesn't matter. You just
• 10:52
  Speaker 3: need to understand how much do I have each and
• 10:54
  Speaker 3: every single week to allocate towards the expenses that I
• 10:57
  Speaker 3: have in my life. That's as simple as it gets.
• 11:00
  Speaker 1: Probably as well be assume the worst with those fluctuating
• 11:04
  Speaker 1: bills just as expensive as I always like to build
• 11:09
  Speaker 1: in a buffer and make sure I have a little
• 11:11
  Speaker 1: bit more. And I know that's a luxury that not
• 11:14
  Speaker 1: everyone can afford. But if you can build in a buffer, great,
• 11:18
  Speaker 1: And if you can have your emergency account, that's also
• 11:21
  Speaker 1: really important. And I'd actually like to go back right now,
• 11:24
  Speaker 1: so like pretend there's like a little rewind sound and
• 11:27
  Speaker 1: go back to the top of the podcast where I said,
• 11:29
  Speaker 1: what are expenses that you'd want to have before you're
• 11:31
  Speaker 1: moving out? If you have the grace of time to
• 11:35
  Speaker 1: plan and save before you're moving out. Save your emergency fund,
• 11:39
  Speaker 1: put it to the side. You're going to feel a
• 11:41
  Speaker 1: million times better. You're going to feel financially secure if
• 11:44
  Speaker 1: you don't pick up a shift at work or something changes,
• 11:47
  Speaker 1: or you know, you break a light and you have
• 11:49
  Speaker 1: to replace it and then you have to split it
• 11:51
  Speaker 1: between the housemates, Like, you're not stressed about those costs.
• 11:55
  Speaker 1: So how much rent is too much? Rent? Is percentage
• 12:00
  Speaker 1: of our income? I know you're gonna say no.
• 12:03
  Speaker 3: I don't like percentages, and I just don't like percentages
• 12:06
  Speaker 3: because it makes you compare yourself to other people. So
• 12:10
  Speaker 3: it's immediately saying, well, that's the expectation, compare yourself to that.
• 12:13
  Speaker 3: Are you meeting that expectation when in reality that's not
• 12:17
  Speaker 3: the case. Like I've said this before, but say I
• 12:20
  Speaker 3: said to you the optimal amount Georgia to save is
• 12:24
  Speaker 3: twenty percent of your income, You'd be like, okay, great,
• 12:27
  Speaker 3: love having a goal, But if you earn four hundred
• 12:30
  Speaker 3: thousand dollars a year, I'd want you to be saving
• 12:32
  Speaker 3: a lot more than that, because obviously that's a lot
• 12:34
  Speaker 3: of cash flow. But if you're a single mum, and
• 12:38
  Speaker 3: you earn forty grand a year. That's an expectation that
• 12:40
  Speaker 3: you're putting on yourself. That just makes you feel terrible
• 12:43
  Speaker 3: about yourself because that's not possible. So that's why we
• 12:46
  Speaker 3: don't like percentages. But working out what your goals and
• 12:50
  Speaker 3: what your cash flow is and what you're comfortable is
• 12:52
  Speaker 3: is really important. Now to completely contradict myself, I would
• 12:58
  Speaker 3: never want to see you paying like more more than
• 13:00
  Speaker 3: thirty percent of your income towards rent. But I have
• 13:03
  Speaker 3: seen friends, I've seen people in the community who are
• 13:05
  Speaker 3: paying fifty percent of their income towards rent or sixty
• 13:08
  Speaker 3: percent of their income towards rent, And you know what,
• 13:11
  Speaker 3: in some situations, completely unavoidable. Like I'm not judging it,
• 13:15
  Speaker 3: but it is not constructive. You need to really re
• 13:18
  Speaker 3: evaluate that because that's a lot of money for rent.
• 13:22
  Speaker 3: Like and I don't see rent money as dead money.
• 13:25
  Speaker 3: That is not how we view rent. Is you choosing
• 13:27
  Speaker 3: a lifestyle you could choose to live in the city.
• 13:30
  Speaker 3: That is your investment in that lifestyle and living your
• 13:33
  Speaker 3: best life, and you know your mental health in your
• 13:36
  Speaker 3: living experience. That's really important. But I think it's also
• 13:39
  Speaker 3: really important to go Okay, cool, Like how much money
• 13:41
  Speaker 3: do you actually have coming in? Are you a real
• 13:44
  Speaker 3: Wrencher UNI student, so it doesn't matter so much, so
• 13:46
  Speaker 3: you can have the nicer apartment. Like how much can
• 13:49
  Speaker 3: you personally afford out of your cash flow? Is it
• 13:51
  Speaker 3: one hundred and fifty dollars a week? Is it three
• 13:53
  Speaker 3: hundred dollars a week? Just work out what that is
• 13:56
  Speaker 3: and then go from there.
• 13:58
  Speaker 1: You hear a little bit about Renter's insurance fee. Yes,
• 14:02
  Speaker 1: what are your thoughts on that? Is that something that
• 14:03
  Speaker 1: we should be I.
• 14:05
  Speaker 3: Love insurance, Yeah, because I'm very averse to risk, and
• 14:08
  Speaker 3: I like to cover any risk that I have. Renter's
• 14:11
  Speaker 3: insurance is not going to cover the property, but it
• 14:14
  Speaker 3: will cover your assets if there's a fire in the
• 14:16
  Speaker 3: property and they get damaged, or flood in the property
• 14:19
  Speaker 3: and it gets damaged, or a burglar breaks in steals
• 14:21
  Speaker 3: your iMac. So I think it's important to have because
• 14:24
  Speaker 3: it's just protecting yourself. And Renter's insurance can actually be
• 14:27
  Speaker 3: quite reasonable. Like you might not have looked into it
• 14:29
  Speaker 3: because you're like, I cannot afford another cost. I get it,
• 14:33
  Speaker 3: but average from our research Georgia King, and I mean
• 14:36
  Speaker 3: we could have been more comprehensive here, but we weren't.
• 14:39
  Speaker 3: Is about one hundred and fifty dollars a year, so
• 14:42
  Speaker 3: that's pretty reasonable, especially when.
• 14:44
  Speaker 1: You split it between multiple housemates or you and your
• 14:46
  Speaker 1: partner whatever it means.
• 14:47
  Speaker 3: Yes, and that's the important thing with Renter's insurance. You
• 14:50
  Speaker 3: can't just get it for Georgia King's bedroom like you can't.
• 14:54
  Speaker 3: It's for that house. So you could choose to split
• 14:57
  Speaker 3: it between your housemates and go cool, three me fifty
• 15:00
  Speaker 3: dollars and then we've got insurance, or you could pay
• 15:04
  Speaker 3: for it outright if your housemates don't want it and
• 15:06
  Speaker 3: just not list their items or you know, it's your insurance,
• 15:09
  Speaker 3: but it does cover the whole house. I urge towards
• 15:12
  Speaker 3: having it because I like peace of mind to know
• 15:14
  Speaker 3: that it's protected. And if you're a UNI student or
• 15:16
  Speaker 3: you're like moving out for the first time, like a
• 15:19
  Speaker 3: three thousand dollars MacBook, going missing is seriously going to
• 15:22
  Speaker 3: impact your budgeting, and knowing that you've got an insurance
• 15:25
  Speaker 3: policy that just protects that, to me is really important. Yeah,
• 15:29
  Speaker 3: And I mean I have a lot of nice shoes,
• 15:31
  Speaker 3: so I want to make sure they were protected.
• 15:32
  Speaker 1: Too, and some nice earrings which I saw earlier.
• 15:35
  Speaker 3: They were on my desk.
• 15:36
  Speaker 1: Lovely. All right, let's leave it there for now, but
• 15:39
  Speaker 1: after the break we will be chatting through our tips
• 15:41
  Speaker 1: and the tips from the Shoes on the Money community
• 15:43
  Speaker 1: on how to save when you're out of home. So please, guys,
• 15:47
  Speaker 1: do not go anywhere. Let's get straight into it. We've
• 15:59
  Speaker 1: knocked our heads together, we've had to look through the group.
• 16:02
  Speaker 1: Let's talk about how to save when we're out of home.
• 16:05
  Speaker 3: Okay, we could consider having that conversation. I was really bad,
• 16:10
  Speaker 3: did it? Yeah? Look, I was really bad at saving.
• 16:13
  Speaker 3: But here's an aspirational list of things Victoria wished she
• 16:17
  Speaker 3: did when she was between the ages of eighteen and
• 16:19
  Speaker 3: twenty three.
• 16:20
  Speaker 1: Yeah. Well, hey, I've got some tips. Remember my tip
• 16:22
  Speaker 1: from Friday drinks, eat your mango, ditch lunch with your friends.
• 16:26
  Speaker 1: Just have your dried mango from your back.
• 16:27
  Speaker 3: Look, if you were in a position where that was necessary,
• 16:31
  Speaker 3: I would totally agree and be like, you know what,
• 16:33
  Speaker 3: you're doing the best thing for you at that point
• 16:34
  Speaker 3: in time. But knowing you, okay, Georgia, of course you did.
• 16:39
  Speaker 1: Yeah, that could have been the most boring story I've
• 16:41
  Speaker 1: ever told on the podcast as well. So apologies, guys.
• 16:44
  Speaker 3: That's not the case. But I know you went through
• 16:46
  Speaker 3: the Facebook group and got a couple of tips and
• 16:48
  Speaker 3: tricks from our community. What are they?
• 16:50
  Speaker 1: Okay, So we've broken this up. So the first section
• 16:53
  Speaker 1: is home day call and essential. So because you do
• 16:57
  Speaker 1: have to style your place, you it has to look cute, yeah,
• 17:00
  Speaker 1: like obviously not like we haven't gone straight into the
• 17:03
  Speaker 1: essentials of like cool, you need to buy a toilet
• 17:05
  Speaker 1: brush and please have a mattress like bedframe negotiable, not necessary.
• 17:11
  Speaker 1: I had a housemate for a while who had milk crates. Yeah.
• 17:13
  Speaker 3: Also fine, they work, Yeah, they work, they do the job.
• 17:17
  Speaker 3: But yeah, I think this conversation is just about, like,
• 17:18
  Speaker 3: how do you actually save while also having a whole
• 17:21
  Speaker 3: ep of overheads that you've never had before.
• 17:23
  Speaker 1: Precisely so Joanne from our group. She suggested the brilliant,
• 17:27
  Speaker 1: the obvious gum Tree marketplace and eBay for those bigger
• 17:31
  Speaker 1: items like couches, TVs, fridges, washing machines.
• 17:34
  Speaker 3: Yeah, and that's actually one of the best ways to
• 17:37
  Speaker 3: do it. So, like, I remember you and I having
• 17:39
  Speaker 3: this conversation, and my sister has done this as well.
• 17:42
  Speaker 3: She's a little horder. I love it. But before she
• 17:45
  Speaker 3: moved out, she started collecting things and stealing things from
• 17:48
  Speaker 3: my mum and putting them in her box in her
• 17:50
  Speaker 3: bedroom for her future kitchen. She's like, oh, you have
• 17:53
  Speaker 3: two colanders. What a co inky dink? You now have one,
• 17:56
  Speaker 3: but preparing for it before you move out great idea.
• 18:00
  Speaker 3: Like if you go to op shops, you can get cutlery,
• 18:02
  Speaker 3: you can get plates and bowls and like look around.
• 18:05
  Speaker 3: That is how I furnished my first house because I
• 18:07
  Speaker 3: also had the privilege of taking things from my mum's
• 18:10
  Speaker 3: kitchen that I knew she wasn't using. But how good
• 18:13
  Speaker 3: is it to get secondhand stuff? Like usually you can
• 18:16
  Speaker 3: get a pretty good quality count that's the cost of
• 18:19
  Speaker 3: an Ica one? Like sure for me, Yeah, I like
• 18:22
  Speaker 3: to have a look around though, but it does take
• 18:24
  Speaker 3: a lot more effort than just going on the Ikea
• 18:27
  Speaker 3: website and having one delivered. I'm not saying that that's
• 18:30
  Speaker 3: what you should do. I'm just saying more a really
• 18:32
  Speaker 3: nice one.
• 18:33
  Speaker 1: Yeah, but yeah, I mean there's so much choice on
• 18:36
  Speaker 1: there and you can get pretty much everything that you need.
• 18:39
  Speaker 1: Thoughts on mattresses, I think a mattress is a good investment.
• 18:43
  Speaker 3: I don't know who told me this. I feel like
• 18:45
  Speaker 3: it was my dad, but I don't know. But whoever,
• 18:48
  Speaker 3: this smart person was said that you should save money
• 18:53
  Speaker 3: on everything that doesn't separate you from the ground. So
• 18:57
  Speaker 3: you should buy good mattresses, good wheels for your car.
• 19:00
  Speaker 3: You should buy good shoes because they impact your posture.
• 19:03
  Speaker 1: And I just thought that was smart from Papa Eric.
• 19:06
  Speaker 3: Maybe Papa Eric, We don't know. Maybe Dad, Yeah, maybe Dad,
• 19:09
  Speaker 3: I don't know. We'll confirm with him later. We'll just
• 19:12
  Speaker 3: give him the credit because that's a good tip.
• 19:16
  Speaker 1: The obvious here as well is Camart. Guys.
• 19:19
  Speaker 3: Look, I know that Camart is great. We all love it,
• 19:21
  Speaker 3: we all go there. If you're in a position where
• 19:24
  Speaker 3: you can be more sustainable and buy more things, I
• 19:27
  Speaker 3: think that is great. But I also think it's just
• 19:30
  Speaker 3: about being a little bit more conscious with our spending.
• 19:33
  Speaker 3: Like Camart's really accessible, and if you're going to be
• 19:36
  Speaker 3: using this item all the time and it's going to
• 19:38
  Speaker 3: break every two months and you go buy a new one,
• 19:40
  Speaker 3: I'd probably err towards saying, well, Georgia, buy the more
• 19:43
  Speaker 3: expensive can opener, like buy the thing that keeps breaking,
• 19:46
  Speaker 3: Like stop being disposable about it. But do you know
• 19:49
  Speaker 3: how much stuff I have in my kitchen that's from
• 19:51
  Speaker 3: Kmart like ten years ago. I still use it, I
• 19:53
  Speaker 3: still love it. I'm not going to get rid of it.
• 19:55
  Speaker 3: And I think that it's just about making the decision
• 19:58
  Speaker 3: that's right for you, not necessarily what everybody else thinks.
• 20:02
  Speaker 1: The number one essential to home decor is, of course, plants.
• 20:06
  Speaker 1: V day, I'm gonna handball this one to you.
• 20:08
  Speaker 3: Why are you going to hand all it to me?
• 20:09
  Speaker 3: Because you are the plant lord I am. I actually
• 20:12
  Speaker 3: thought you were going to say, because you take clippings
• 20:15
  Speaker 3: of everybody else's plants and therefore you get free plants.
• 20:17
  Speaker 3: Precisely true. But in my opinion, plants are essential apart
• 20:23
  Speaker 3: from like a mattress also essential. But obviously Bunning's really
• 20:27
  Speaker 3: great place. Really cheap plants at Ikea. Yeah, really cheap
• 20:31
  Speaker 3: plants on Facebook marketplace as well. I feel like I'm biased,
• 20:37
  Speaker 3: but if you're moving out of home, don't have a
• 20:39
  Speaker 3: lot of decre like a plant might be fifteen bucks,
• 20:42
  Speaker 3: but it adds a lot to the space to make
• 20:44
  Speaker 3: it feel a little bit more homey, a little bit
• 20:45
  Speaker 3: more comfortable. Again. Personal opinion I mean, you probably are
• 20:49
  Speaker 3: listening to this podcast trying to get legit advice, being
• 20:52
  Speaker 3: like Victoria, how much do I need to say, buy
• 20:55
  Speaker 3: a plant or marketplace?
• 20:56
  Speaker 1: Head to Bunning.
• 20:57
  Speaker 3: I have no regrets about that though, but yeah, again
• 21:01
  Speaker 3: worth it obviously, but again, don't feel pressure to have
• 21:05
  Speaker 3: your home ready for the architectural design tour. Like just
• 21:09
  Speaker 3: make it your home and your stuff. And I guess
• 21:12
  Speaker 3: that's why I really liked when I was first moving
• 21:14
  Speaker 3: out of home looking at op shops and like, I
• 21:17
  Speaker 3: had the grace of time on my side, so I
• 21:19
  Speaker 3: knew I was going to move out, so I could
• 21:21
  Speaker 3: go to lots of different op shops and I wasn't
• 21:23
  Speaker 3: like desperate to get stuff in a week. Like for
• 21:26
  Speaker 3: the six months before I moved out, I was looking
• 21:28
  Speaker 3: online and I was going to different op shops and
• 21:31
  Speaker 3: browsing around, and I had a list of things I
• 21:33
  Speaker 3: wanted to get, and op shops were really great, Like
• 21:36
  Speaker 3: I remember picking up a really sick looking coffee table
• 21:39
  Speaker 3: that my last housemates doll So that was good.
• 21:43
  Speaker 1: The next lot giv is bill management.
• 21:46
  Speaker 3: Yeah, that one's a tough one.
• 21:47
  Speaker 1: We did touch on it earlier. But what's the best
• 21:50
  Speaker 1: way for us to keep costs down when it comes
• 21:52
  Speaker 1: to our bills.
• 21:53
  Speaker 3: Being savvy. So when I say being savvy, obviously keeping
• 21:56
  Speaker 3: a budget and knowing what your expenses are going to be,
• 22:00
  Speaker 3: but also just being curious, like can I get a
• 22:02
  Speaker 3: better deal, what's going on over there, how much of
• 22:04
  Speaker 3: my friend's paying yea, and just being on top of
• 22:07
  Speaker 3: it because so many times, good example of this is
• 22:10
  Speaker 3: my phone bill. I thought I was getting a really
• 22:13
  Speaker 3: good deal because I broke it, this good deal like
• 22:15
  Speaker 3: two and a half years ago or something on the
• 22:17
  Speaker 3: phone with the guy from my phone provider, and I
• 22:21
  Speaker 3: was really happy with it, so I didn't think about
• 22:23
  Speaker 3: it again. But it had been two and a half years.
• 22:26
  Speaker 3: So my friends were getting a better deal, and when
• 22:28
  Speaker 3: we're at brunch one time, they were like, oh yeah,
• 22:30
  Speaker 3: like my phone plans like thirty bucks and I have
• 22:32
  Speaker 3: unlimited data. And I was like, wait, what, Like mine's
• 22:35
  Speaker 3: like fifty dollars and I have like two gigs of data.
• 22:39
  Speaker 3: So I think it's just important that even though you
• 22:41
  Speaker 3: got a good deal in the first place, at that
• 22:43
  Speaker 3: point in time, renewing and refreshing things often is really important.
• 22:48
  Speaker 3: And this is not a sponsored mention. I just think
• 22:51
  Speaker 3: is a really good recommendation. We do work with them, though.
• 22:55
  Speaker 3: Get reminded the app. You can download it and put
• 22:58
  Speaker 3: all of your reminders in, and it's not reminding you
• 23:01
  Speaker 3: that your bill's do you can set it up for that,
• 23:03
  Speaker 3: but it will remind you in twelve months to be like, hey, ge,
• 23:06
  Speaker 3: you last reviewed your electricity twelve months ago. Spend five minutes,
• 23:11
  Speaker 3: go do a quick quote comparison. Do the same for
• 23:13
  Speaker 3: your car insurance and make sure you're always getting the
• 23:16
  Speaker 3: best deal. And I think there's also a lot of
• 23:19
  Speaker 3: power even if you can't find a better deal online.
• 23:22
  Speaker 3: Once a year, give them a buzz. Hello. I am
• 23:25
  Speaker 3: a very valued customer of yours, and I was just wondering,
• 23:28
  Speaker 3: am I eligible for any discounts or any you know,
• 23:31
  Speaker 3: rebates or anything like that, or is there a better
• 23:34
  Speaker 3: deal that you could do? And if you're kind on
• 23:36
  Speaker 3: the phone, that person's probably very likely to be like, oh,
• 23:39
  Speaker 3: this girl's nice, I'd love to help her out. So
• 23:42
  Speaker 3: I think that there's a lot of power in just
• 23:45
  Speaker 3: being curious and on top of it and never feeling
• 23:48
  Speaker 3: like you are a burden. Does that make sense? Like
• 23:50
  Speaker 3: so many times we're like, oh my gosh, I don't
• 23:52
  Speaker 3: want to call. It's literally the people on the other
• 23:54
  Speaker 3: end of the line's job, and hopefully they like their
• 23:57
  Speaker 3: jobs and they want to have a chat with you.
• 24:00
  Speaker 3: Otherwise they wouldn't have applied for that job.
• 24:02
  Speaker 1: And they want to keep you on board. They want
• 24:04
  Speaker 1: to give you a good deal so you stay with them.
• 24:05
  Speaker 3: And a couple of Friday episodes ago, we were talking
• 24:08
  Speaker 3: and Ryan John said, like, it's not like you're picking
• 24:11
  Speaker 3: up the phone and the CEO answers, like, they're people
• 24:15
  Speaker 3: like you and I and they're people in our community,
• 24:18
  Speaker 3: and I just think, Yeah, it's not as scary to call.
• 24:20
  Speaker 1: I promise definitely not. The next point here is from Nikita,
• 24:25
  Speaker 1: and she said, to help keep bills down, turn off
• 24:27
  Speaker 1: power when you're not using it. Yeah, only use the
• 24:30
  Speaker 1: heater when you really need it, Okay, jump.
• 24:33
  Speaker 3: Here on really important. Yeah, the heater in winter really
• 24:36
  Speaker 3: does add up, and also the aircn in summer. Like,
• 24:40
  Speaker 3: I feel like there's a lot there to unpack.
• 24:43
  Speaker 1: And have the chat with your housemates as well, because
• 24:46
  Speaker 1: if one of you is working from home and the
• 24:48
  Speaker 1: others are in the office, but that person has a
• 24:49
  Speaker 1: heater on all days.
• 24:51
  Speaker 3: Does that look like ya, and to be honest, it
• 24:54
  Speaker 3: can be really frustrating, Like if you haven't moved out
• 24:56
  Speaker 3: of home yet, you're like, oh, I'll be chill. These
• 24:59
  Speaker 3: things that up and they grind your gears and they
• 25:02
  Speaker 3: create unnecessary frustration with your housemates. It is better to
• 25:06
  Speaker 3: just have a conversation and say, hey, like your home
• 25:09
  Speaker 3: all the time, what are we going to do about it?
• 25:11
  Speaker 1: Yeah?
• 25:11
  Speaker 3: I think hot tip here not related to cost, but
• 25:15
  Speaker 3: more related to communication. When it comes to talking to
• 25:18
  Speaker 3: potential housemates, don't accuse them of something. Use a motive
• 25:23
  Speaker 3: language like oh, I feel like you're potentially using more electricity.
• 25:27
  Speaker 3: That's much easier to have a proper adult conversation than Georgia,
• 25:31
  Speaker 3: you work from home and you use more electricity, Like,
• 25:34
  Speaker 3: that's you going in really confrontationally. So I think thinking
• 25:38
  Speaker 3: about our language before we want to have a conversation
• 25:40
  Speaker 3: with a housemate is going to pay off because we've
• 25:43
  Speaker 3: all been in a situation where you're frustrated with a housemate,
• 25:46
  Speaker 3: because lord knows, they can get really frustrating. But having
• 25:50
  Speaker 3: an adult conversation and approaching it from a position like hey,
• 25:53
  Speaker 3: it's actually you and I against the problem, not you
• 25:56
  Speaker 3: and I against each other, So how are we going
• 25:59
  Speaker 3: to deal with It's like, what's the most fair way
• 26:02
  Speaker 3: to split the electricity? J You work from home five
• 26:05
  Speaker 3: days a week and I don't yeap. Like that's an
• 26:07
  Speaker 3: adult and very helpful conversation to have instead of getting
• 26:11
  Speaker 3: frustrated and being like Georgia, you work from home and
• 26:14
  Speaker 3: you use more electricity and it's unfair.
• 26:17
  Speaker 1: Yeah, and they might not have even thought about it exactly,
• 26:19
  Speaker 1: just like have the chat. Don't let resentment build for
• 26:21
  Speaker 1: no reason.
• 26:22
  Speaker 3: Yeah, And nine times out of ten the other person's
• 26:24
  Speaker 3: just oblivious. Yeah.
• 26:25
  Speaker 1: And you're like, I can't believe they're audacity and they
• 26:27
  Speaker 1: it's like they don't know, Like just tell them, yeah,
• 26:30
  Speaker 1: yeah for sure. Okay. The next lot here is our
• 26:33
  Speaker 1: food tips. V Lord Courtney in our group said that
• 26:36
  Speaker 1: when it comes to food, it really pays to be
• 26:38
  Speaker 1: as organized as you can, which really makes sense. Plan
• 26:41
  Speaker 1: ahead so that you don't end up at the supermarket
• 26:44
  Speaker 1: night after night by yeah, you know, more chips.
• 26:47
  Speaker 3: Yeah. And one hot tip that I have is have
• 26:50
  Speaker 3: a few backup meals in the pantry, things that last.
• 26:53
  Speaker 3: So have some pasta and a few like packet sources,
• 26:57
  Speaker 3: and I know that. You know, maybe you're a good
• 26:59
  Speaker 3: chef and you want to cook everything from scratch, but
• 27:02
  Speaker 3: I guarantee you if you've just come home from work
• 27:04
  Speaker 3: or UNI or whatever you've been doing that day and
• 27:06
  Speaker 3: you're exhausting, you're like, I don't want to go to
• 27:08
  Speaker 3: the supermarket. You've got a back up. It was a
• 27:10
  Speaker 3: really cost effective backup that's in the pantry for the
• 27:13
  Speaker 3: times where you're just a bit tired, don't want to
• 27:15
  Speaker 3: go and do the supermarket, but would have leaned on
• 27:17
  Speaker 3: New Breats.
• 27:18
  Speaker 1: Yeah, exactly.
• 27:18
  Speaker 3: So have a few backup meals and factor that into
• 27:21
  Speaker 3: the budget to have in the pantry. Make sure they're
• 27:24
  Speaker 3: long lasting though, because you don't want to go to
• 27:25
  Speaker 3: the supermarket everywhere and be like, oh, heaps of fresh
• 27:27
  Speaker 3: produce and veggies and then they go off and you're
• 27:30
  Speaker 3: throwing them out. Like we're thinking long term, So like
• 27:32
  Speaker 3: frozen veggies in the freezer, which.
• 27:34
  Speaker 1: Are really good sources of nutrients, and having like some
• 27:38
  Speaker 1: pasta and like maybe some sauces that you can use,
• 27:40
  Speaker 1: which I think are really helpful or better yet, if.
• 27:44
  Speaker 3: You're cooking, always cook an extra meal and chuck it
• 27:46
  Speaker 3: in the freezer. Much She's gonna thank you for that one.
• 27:49
  Speaker 1: And we're all about future you aren't we you? We
• 27:51
  Speaker 1: absolutely are sticking to a price limit on groceries. Also
• 27:54
  Speaker 1: a hot tip that I used to try and do.
• 27:57
  Speaker 1: I think i'd stick around the sixty to eighty a week. Yeah,
• 28:01
  Speaker 1: that's pretty all right. Yeah, and I'd be like, oh,
• 28:03
  Speaker 1: do you need that extra thing? Maybe not?
• 28:05
  Speaker 3: Yeah? And hot tip to make you think about it
• 28:08
  Speaker 3: more while you're actually shopping, because it's so easy to
• 28:10
  Speaker 3: slip another block of chocolate into the cart, take the
• 28:13
  Speaker 3: cash out, Yeah, spend that for a while. Yet know
• 28:16
  Speaker 3: that that eighty bucks is in your wallet and you
• 28:18
  Speaker 3: can't go over it because you don't have anymore. So
• 28:20
  Speaker 3: you're going to be more conscious going around the supermarke
• 28:23
  Speaker 3: and be like, oh do I need it? Yeah, I've
• 28:25
  Speaker 3: got that. And you might know that you've only spent
• 28:27
  Speaker 3: sixty bucks so you can have the chocolate. Yeah, exactly.
• 28:30
  Speaker 3: We just don't want unnecessary spending.
• 28:32
  Speaker 1: Yeah. Final tip is, of course, to get around gossips
• 28:35
  Speaker 1: wine four dollars a bottle Georgia. You're gonna love it,
• 28:38
  Speaker 1: are you. We used to pretend we were just cooking
• 28:41
  Speaker 1: a stew. Your sister and I yeah, of course you were.
• 28:44
  Speaker 1: We just need the six we're making a stewicer. Oh
• 28:47
  Speaker 1: and ye that'll be twenty dollars.
• 28:49
  Speaker 3: You cheap, cheap lady. I don't think I could get
• 28:53
  Speaker 3: around Gossip's wine.
• 28:54
  Speaker 1: Probably not. Now to the finer things, yeah, the finer
• 28:58
  Speaker 1: things in life, like six dollar bottles, But yeah, I
• 29:01
  Speaker 1: think I think that's one thing that can really add up.
• 29:04
  Speaker 1: And you know, again, when I was at UNI, food
• 29:07
  Speaker 1: did get out of control quite often. I'm someone who
• 29:10
  Speaker 1: loves having my friends over and entertaining, and I'd always
• 29:14
  Speaker 1: feel like, oh, I had to cook them the meal.
• 29:16
  Speaker 1: So get around it. If someone's going to come.
• 29:18
  Speaker 3: Over, hey, gee, you bring the wine, I'll cook dinner.
• 29:21
  Speaker 3: And just like have conversations that are a little bit
• 29:23
  Speaker 3: more money conscious because they're going to pay off in
• 29:25
  Speaker 3: the long term and make everybody feel a little bit
• 29:27
  Speaker 3: more equitable.
• 29:29
  Speaker 1: And also remember we did that a cookbook online last year.
• 29:33
  Speaker 3: We tell friend Millie Padulla, who is one of the
• 29:36
  Speaker 3: most delightful humans an angel. I follow her on Instagram.
• 29:38
  Speaker 3: She's getting like real popular.
• 29:40
  Speaker 1: She is Dietitian edition if you want to follow her.
• 29:42
  Speaker 1: But we we collaborated last year and did a big
• 29:46
  Speaker 1: cookbook with lots of budget recipes, which, yeah, now she's
• 29:49
  Speaker 1: gone viral. Love Your Meal v. To round out today's show,
• 29:55
  Speaker 1: there was a final tip from Jess in our group,
• 29:58
  Speaker 1: who said that we do need to be careful about
• 30:00
  Speaker 1: who we choose to live with, because it's true living
• 30:02
  Speaker 1: with friends can be risky.
• 30:04
  Speaker 3: Any thoughts on that really hard again communication. I've seen
• 30:08
  Speaker 3: a lot of friendships dissolve completely because they've moved out
• 30:11
  Speaker 3: with their best friend ever and then it's hit the fan.
• 30:16
  Speaker 3: I think you just need to be really conscious of
• 30:18
  Speaker 3: it because it can be really hard. I have lived
• 30:21
  Speaker 3: with my best friend, so Steph and I live together
• 30:23
  Speaker 3: for like three years or just over that, which I
• 30:26
  Speaker 3: is a pretty good stint when it comes to having
• 30:28
  Speaker 3: a housemate, and there were some hot times where it's
• 30:31
  Speaker 3: got a little bit spicy between the two of us,
• 30:34
  Speaker 3: but I guess both of us having psychology degrees and
• 30:37
  Speaker 3: being relatively good at communicating, they never lasted too long.
• 30:41
  Speaker 3: But I think you need to really evaluate who you
• 30:43
  Speaker 3: do live with because it can get pretty nasty if not.
• 30:47
  Speaker 3: I'm not trying to be scary, but like, if you
• 30:49
  Speaker 3: really value that friendship and don't want to put it
• 30:51
  Speaker 3: at risk, Like saying that is putting that relationship first,
• 30:56
  Speaker 3: and I think that's really nice. I feel like, oh,
• 30:57
  Speaker 3: I would never want to lose that friend. We both
• 31:00
  Speaker 3: be hot headed and I just don't want it to
• 31:03
  Speaker 3: blow up. I think it's really important but also really
• 31:05
  Speaker 3: important to remember that more often than not, your housemate
• 31:08
  Speaker 3: is very unaware of how your pentapanger is building up,
• 31:11
  Speaker 3: Like they don't know, they've got no idea. Talk to them,
• 31:14
  Speaker 3: Like so many times. I remember when I was like eighteen,
• 31:18
  Speaker 3: just moved out. I moved out with like a relatively
• 31:20
  Speaker 3: large group of people and not always be so frustrated,
• 31:22
  Speaker 3: but no one knew.
• 31:23
  Speaker 1: I was frostrated.
• 31:25
  Speaker 3: So yeah, talk to them, have chats, be good at communication,
• 31:29
  Speaker 3: and don't be accusatory when trying to have discussions because regardless,
• 31:34
  Speaker 3: like now this is a relationships podcast, but in any situation,
• 31:39
  Speaker 3: whether that is work or life or with your partner,
• 31:41
  Speaker 3: Like if you accuse someone of something, they're gonna immediately
• 31:44
  Speaker 3: be defensive. Because if I go, Georgia, you did X.
• 31:47
  Speaker 3: If you did it, you're gonna be like, oh, I
• 31:49
  Speaker 3: have to be defensive because like they're seeing this is
• 31:52
  Speaker 3: a bad thing. If they didn't do it. They're going
• 31:54
  Speaker 3: to be defensive because they have to defend themselves because
• 31:57
  Speaker 3: you've just said something incorrect. Whereas if you go, hey,
• 32:00
  Speaker 3: I feel, and the I feel comments are really helpful,
• 32:03
  Speaker 3: especially when it comes to housemates or hey, there's this
• 32:07
  Speaker 3: issue that we need to solve together, is really helpful.
• 32:10
  Speaker 3: Sounds a bit fluffy, but I promise you it will
• 32:12
  Speaker 3: come in handy.
• 32:12
  Speaker 1: It's good and face to face. Don't don't be sending
• 32:14
  Speaker 1: those passive messages girls.
• 32:17
  Speaker 3: No passive aggressive Facebook messages to the group. Once you've
• 32:20
  Speaker 3: left the house. No passive aggressive notes left in the fridge.
• 32:24
  Speaker 3: You talk to your housemate like the person that they are.
• 32:27
  Speaker 3: If we could do an entire housemate Tales podcast, wouldn't
• 32:31
  Speaker 3: we just It wouldn't even just be an episode. It
• 32:33
  Speaker 3: to be a serious.
• 32:34
  Speaker 1: Week past past housemates in on the mi.
• 32:37
  Speaker 3: Like money da stories about our housemates. We are done here,
• 32:41
  Speaker 3: have fun moving out friends and share all your money
• 32:44
  Speaker 3: saving tips and tricks with us in the Facebook group.
• 32:46
  Speaker 3: But we want to hear it.
• 32:47
  Speaker 1: We love it absolutely.
• 32:49
  Speaker 3: But as always, just before we head off, we'd like
• 32:51
  Speaker 3: to acknowledge and pay respect to Australia's Aboriginal and Torres
• 32:54
  Speaker 3: Strait Island to people's they're the traditional custodians of the lands,
• 32:58
  Speaker 3: the waterways and the skies all across Australia. We thank
• 33:02
  Speaker 3: you for sharing and for caring for the land on
• 33:04
  Speaker 3: which we are able to learn. We pay respects to
• 33:07
  Speaker 3: elders past and present, and we share our friendship and
• 33:09
  Speaker 3: our kindness and.
• 33:10
  Speaker 1: The advice shared on She's on the Money is general
• 33:13
  Speaker 1: in nature and does not consider your individual circumstances. She's
• 33:16
  Speaker 1: on the Money exists purely for educational purposes and should
• 33:20
  Speaker 1: not be relied upon to make an investment or a
• 33:22
  Speaker 1: financial decision. And we promise Victoria Divine is an authorized
• 33:25
  Speaker 1: representative of Australia Pacific Funds Management Propriety Limited ABN three
• 33:29
  Speaker 1: four one three two four six three two five seven
• 33:32
  Speaker 1: AFSL through through nine one five one and Big Love
• 33:34
  Speaker 1: two large who has whipped together today's potty.
• 33:38
  Speaker 3: She'd be a great housemate, I think she would. She
• 33:41
  Speaker 3: makes a really good spicy margarita and that is very
• 33:44
  Speaker 3: good trait for any.
• 33:46
  Speaker 1: Oh speak of the devil.
• 33:47
  Speaker 3: She's just walked in.
• 33:48
  Speaker 1: We have happeny to go bye bye bye