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THE SOTM EOY PARTY… Plus Should You Get a Credit Card & Is Building a Home Really Cheaper Than Buying? · She's On The Money

• 0:00
  Speaker 1: My name is Aatasha Bamblet. I'm a proud First Nations
• 0:03
  Speaker 1: woman and I'm here to acknowledge country t Glenn Young, Ganya, Niana,
• 0:08
  Speaker 1: Kaka yah y and Binahaka Nian our gay In Mbini,
• 0:11
  Speaker 1: yakarum Jar Dominyamiga Umagahawaka Woman Damon Imlan Mbaban Gadabomba in
• 0:17
  Speaker 1: and now in wakah Ghana on yak rum Jar water Nadaa. Hello,
• 0:22
  Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.
• 0:26
  Speaker 1: We thank acknowledge and respect the Aberiginal people's land that
• 0:29
  Speaker 1: we're gathering on today. Take pleasure in all the land
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  Speaker 1: and respect all that you see. She's on the Money
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  Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,
• 0:42
  Speaker 1: knowledge and resources for you to thrive.
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  Speaker 2: She's on the Money. She's on the Money. Hello and
• 1:08
  Speaker 2: welcome to She's on the Money, the podcast that makes
• 1:11
  Speaker 2: finance fun, especially on Fridays. And my friends, it is
• 1:14
  Speaker 2: not just any Friday. It is Boxing Day and the
• 1:17
  Speaker 2: last Friday of the year. So today we're going to
• 1:21
  Speaker 2: be throwing a little She's on the Money end of
• 1:23
  Speaker 2: year party to celebrate you our incredible community and that
• 1:27
  Speaker 2: means we are shaking it up. We are doing things
• 1:29
  Speaker 2: a little bit differently. I'm sorry Beck in advance, but
• 1:32
  Speaker 2: we are skipping the broke tips and going all in
• 1:36
  Speaker 2: on the celebration vibes with your biggest money wins of
• 1:38
  Speaker 2: the year, and we're going to be helping to answer
• 1:40
  Speaker 2: money dilemma. That's all about which is the better option
• 1:44
  Speaker 2: building a home or buying one? And something new slid
• 1:47
  Speaker 2: into our dms about should you get a credit card
• 1:49
  Speaker 2: to get you through the rest of summer? And of
• 1:51
  Speaker 2: course we've got our favorite end of year tradition, which
• 1:55
  Speaker 2: is maybe everybody else's our bluepur real.
• 2:00
  Speaker 3: I saw that, my.
• 2:01
  Speaker 2: Friends, How was your Christmas? How did you celebrate? Oh?
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  Speaker 3: It was really really fun.
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  Speaker 4: I just went to my mom's house as per my
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  Speaker 4: mom and my three brothers and we just play games.
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  Speaker 4: We tried Trivial Pursuit, which is probably the hardest game
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  Speaker 4: in the world.
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  Speaker 3: I was such a nerdy kid. I loved kids Trivial Pursuit.
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  Speaker 2: That's the same same when we play it with my
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  Speaker 2: nieces and nephews now and like I still love it.
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  Speaker 2: I'm like, oh, you want to play that? That's crazy?
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  Speaker 5: Yeah?
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  Speaker 2: Kick your money, You're gone down. Do they play the
• 2:31
  Speaker 2: kids one or the red We play the kids one still,
• 2:33
  Speaker 2: but we have the adults one. And another game I've
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  Speaker 2: been loving recently is called articulate.
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  Speaker 6: I articulate, I articulate.
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  Speaker 4: Yeah, but yeah with I don't think I've ever gotten
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  Speaker 4: a trivial pursuit question right, really just to go back
• 2:46
  Speaker 4: to trivial pursuit, but articulate amazing Taboo?
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  Speaker 3: Is it the one?
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  Speaker 2: I love?
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  Speaker 3: Taboo? Yes? So we just kind of do that. It
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  Speaker 3: was it was really nice. It was a nice, wholesome time.
• 2:55
  Speaker 3: What about you, guys?
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  Speaker 2: I love it.
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  Speaker 1: I love it.
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  Speaker 5: Min is good, lots of food, friends and family. The
• 3:00
  Speaker 5: three f's just yeah, it's I love this time of Yeah,
• 3:04
  Speaker 5: it's so nice. Added by Joy. I knew we've had
• 3:07
  Speaker 5: some good weather which has been really lovely and just
• 3:10
  Speaker 5: you're like soaking it all in.
• 3:11
  Speaker 2: Yeah, I love that. When you said the three f's,
• 3:13
  Speaker 2: I was like, oh, like, my three f's the food, fuel,
• 3:15
  Speaker 2: and fun. And then I was like, oh no, actually,
• 3:18
  Speaker 2: people are much cooler than I am.
• 3:20
  Speaker 3: That's what I think when you say the three f's
• 3:22
  Speaker 3: to make it festive.
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  Speaker 2: Funnily enough, you started on board games, and that's what
• 3:26
  Speaker 2: I got for Christmas. I asked for this board game
• 3:28
  Speaker 2: set because I was like, oh, like, we actually just
• 3:31
  Speaker 2: don't have these things. Whenever friends come over, like they
• 3:34
  Speaker 2: might bring one. We've got like a random assortment of games.
• 3:36
  Speaker 2: But I wanted the classics, and I found on Amazon
• 3:39
  Speaker 2: that they had these like classics, but they were like
• 3:42
  Speaker 2: in like colored boxes that look like books.
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  Speaker 3: Oh I've seen those on TikTok.
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  Speaker 2: Yeah, so I got them for Christmas, and I'm so excited.
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  Speaker 2: My house twenty twenty six board game house, gorgeous. Come over,
• 3:53
  Speaker 2: We're playing board games. Yes, the best house to be Yeah,
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  Speaker 2: I just think that's really fun. So I was really
• 3:58
  Speaker 2: excited about that. And then obviously just like lots of food,
• 4:00
  Speaker 2: lots of family, like just hanging out like our Christmas
• 4:04
  Speaker 2: is a very chill. Yeah, we hosted so we didn't
• 4:06
  Speaker 2: have to go anywhere, and I love that.
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  Speaker 3: For me, that's so exciting.
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  Speaker 4: I do.
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  Speaker 2: All right, Well, let's move on, because this is the
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  Speaker 2: part of the show where I would normally share a
• 4:15
  Speaker 2: five star review, but because it's the end of the year,
• 4:18
  Speaker 2: I wanted. I guess she's on the money, rapped and
• 4:22
  Speaker 2: I've pulled together some stats for you guys, So move
• 4:24
  Speaker 2: over Spotify, We've got this. She's on the Money rapped.
• 4:28
  Speaker 6: Oh I love that cool.
• 4:29
  Speaker 2: So first I feel like this is me blowing our
• 4:32
  Speaker 2: own trumpet and like, really loud, are you ready? Because
• 4:36
  Speaker 2: of all of you, our community, I love you. She's
• 4:40
  Speaker 2: on the Money was the number one Australian business and
• 4:42
  Speaker 2: finance podcast again this year.
• 4:44
  Speaker 3: Oh oh yeah, isn't that crazy? We're just girls. Wow,
• 4:48
  Speaker 3: we just got a mind.
• 4:49
  Speaker 2: Blowing you guys downloaded our podcast sit Down six million,
• 4:53
  Speaker 2: one hundred and eighty four thousand, one hundred and fifty
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  Speaker 2: eight times.
• 4:56
  Speaker 3: Oh my god, I can't even comprehend that. That's insane.
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  Speaker 2: No, and get this, you guys listened to seventy five million,
• 5:05
  Speaker 2: five hundred and forty three thousand, two hundred and forty
• 5:09
  Speaker 2: minutes of She's on the Money in the last twelve months.
• 5:13
  Speaker 3: That's I don't have the words.
• 5:16
  Speaker 2: How is that seventy five and a half million.
• 5:19
  Speaker 3: That's crazy? Go wow, oh my god, that's literally that's incredible.
• 5:23
  Speaker 3: I wont how many times they heard the word slay.
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  Speaker 2: Yeah, that's the seventy million.
• 5:30
  Speaker 3: Yeah yeah.
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  Speaker 2: And also just the idea that that many people have
• 5:33
  Speaker 2: had us in their ears for that long wild which
• 5:37
  Speaker 2: I've done the maths equates to fifty two thousand, four
• 5:41
  Speaker 2: hundred and sixty one days of putting future you first.
• 5:45
  Speaker 6: Whoh oh, my god, Dad.
• 5:50
  Speaker 2: And now I've got a guessing game for you because
• 5:51
  Speaker 2: I've done the stats again. Ye, guys, how many years
• 5:54
  Speaker 2: does that equate to?
• 5:56
  Speaker 3: I was just thinking my brain, I wonder how many
• 5:57
  Speaker 3: years that is? Wait, what was the numbering?
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  Speaker 2: Okay, so it was fifty two, four hundred and sixty
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  Speaker 2: one days of putting future you first, three hundred and
• 6:06
  Speaker 2: sixty five days in a year, except every four years.
• 6:10
  Speaker 2: I'm going to sleeky take that into consideration.
• 6:13
  Speaker 6: You actually.
• 6:15
  Speaker 3: Ten oh wait ten ten?
• 6:18
  Speaker 6: It's so dumb, girl.
• 6:20
  Speaker 2: What No, that's why you're on as like content and
• 6:23
  Speaker 2: I'm on as math's girl.
• 6:24
  Speaker 3: I say, like one hundred and sixty Oh, she's good.
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  Speaker 4: I'm going to say one hundred and seventy six.
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  Speaker 2: Okay, it's one hundred and forty three seven years, So
• 6:37
  Speaker 2: like you, you're pretty close. Like those are pretty good guesses. Wow,
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  Speaker 2: very impressed over a century of us.
• 6:44
  Speaker 3: Oh my god, I'm.
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  Speaker 2: Lucky, unlucky for the people who have consumed that much.
• 6:49
  Speaker 2: I mean, you're probably in a better financial position, which
• 6:51
  Speaker 2: is exactly what we wanted. That's it, and sorry Spotify
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  Speaker 2: for taking your wrapped But I will give you a
• 6:56
  Speaker 2: little bit of a shout out because Spotify also gave
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  Speaker 2: us some awards In twenty five. We won the Marathon
• 7:05
  Speaker 2: Show Award, which means our fans listen to us ninety
• 7:09
  Speaker 2: nine percent more than other shows. Whoa guys like we
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  Speaker 2: got a most talked About show, which means we get
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  Speaker 2: ninety nine percent more comments than other shows.
• 7:20
  Speaker 3: And I love reading those. I read them every week.
• 7:23
  Speaker 2: It's like it's like we're in our dms, but getting
• 7:26
  Speaker 2: our dms like scar.
• 7:27
  Speaker 3: They want to Yeah, they're all fun and nice.
• 7:29
  Speaker 2: They're fun and nice, and when people aren't nice, I'm.
• 7:32
  Speaker 3: Like, well, why are you here?
• 7:33
  Speaker 6: Like, yeah, that's fair.
• 7:34
  Speaker 2: I will give you a refund on everything you've paid
• 7:36
  Speaker 2: to listen to this podcast, totally off you trot.
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  Speaker 3: And then get this.
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  Speaker 2: We won an award for being one of the most
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  Speaker 2: shared shows, so we were shared ninety nine percent more
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  Speaker 2: than other shows.
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  Speaker 5: That makes my heart really happy because it makes me
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  Speaker 5: think that you guys are listening and going, Wow, I
• 7:55
  Speaker 5: think this episode would really help somebody that I know.
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  Speaker 3: And yeah, that's.
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  Speaker 2: Incredible and we're so lucky because those are stats that
• 8:02
  Speaker 2: we can't get ourselves obviously, Like that's internal stuff from Spotify.
• 8:06
  Speaker 2: Like we can't compare ourselves to other podcasts because we
• 8:09
  Speaker 2: don't get access to their data and analytics. So it's
• 8:11
  Speaker 2: really special to like get that insight because I can
• 8:14
  Speaker 2: get the data of how many downloads we get, But like,
• 8:17
  Speaker 2: where does that put us on the grand scale of things?
• 8:20
  Speaker 2: Like wild to think that you guys Binge listen to
• 8:23
  Speaker 2: us so often, and I just think that.
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  Speaker 3: I just am so lucky.
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  Speaker 6: That is so cool.
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  Speaker 2: Also, I've got some more Spotified rapped stuff because as
• 8:32
  Speaker 2: a podcaster, I get this cool log in to Spotify
• 8:35
  Speaker 2: that gives me my own podcasts rapped.
• 8:38
  Speaker 3: We love a little bit of data. You're ready.
• 8:39
  Speaker 2: Absolutely, I don't think you're going to be surprised here.
• 8:42
  Speaker 2: I'll give you one guess which music artist did our
• 8:44
  Speaker 2: community listen to the.
• 8:45
  Speaker 6: Most ten Swift?
• 8:46
  Speaker 2: Surely yeah it was Taylor Swift. And this is not
• 8:51
  Speaker 2: going to come as a surprise. But I also think
• 8:54
  Speaker 2: that if you go, oh, well, if they're listening to
• 8:55
  Speaker 2: she's on the money they're listening to. She's on the
• 8:57
  Speaker 2: money books. That is not true. The answer is not me.
• 9:00
  Speaker 2: But what was our community's most listened to audio.
• 9:02
  Speaker 4: Books Elizabeth Gilbert Love Eat Eat Pray, Eat Preyer Eat
• 9:08
  Speaker 4: Pray Love.
• 9:09
  Speaker 3: It wasn't Can I say akata. I'm just manifesting that
• 9:12
  Speaker 3: it's my girlies.
• 9:13
  Speaker 2: No, it's not like that's probably up there, but like,
• 9:16
  Speaker 2: these are my girlies, the self help girlies. Do you
• 9:18
  Speaker 2: want another guess because it's like it's a self help
• 9:21
  Speaker 2: ish book.
• 9:22
  Speaker 3: Oh, easy, easy way with Ellen Carr.
• 9:25
  Speaker 6: What is that Let's stop vaping book?
• 9:28
  Speaker 2: Oh, the stop vaping book. Understand it's not on the list,
• 9:32
  Speaker 2: but that's a good recommendation.
• 9:34
  Speaker 3: Thought going to give you a bathfoot investor, But I
• 9:36
  Speaker 3: don't want to say that.
• 9:37
  Speaker 2: I mean, you don't have to say barefoot investor because
• 9:39
  Speaker 2: it's let them. So it's the let them theory by
• 9:42
  Speaker 2: mel Robins stands.
• 9:44
  Speaker 3: Actually yep.
• 9:45
  Speaker 2: And also just to throw it out there, guys, she
• 9:47
  Speaker 2: is coming to tour Australia next year. She is and
• 9:52
  Speaker 2: my producer Emma and I, or our producer Emma and
• 9:54
  Speaker 2: I have been crafting little pri emails to get her
• 9:58
  Speaker 2: on the show. Because I just think, what an epic
• 10:00
  Speaker 2: opportunity to have her sit down to let them theory
• 10:04
  Speaker 2: and money. Oh, it would be so juicy, and I
• 10:07
  Speaker 2: feel like this is just a really good time for
• 10:08
  Speaker 2: me to be like, if you have a connection, if
• 10:10
  Speaker 2: you want to slide into her DMS, if you want
• 10:12
  Speaker 2: to hear her on She's on the Money, you could
• 10:14
  Speaker 2: just let her know.
• 10:15
  Speaker 3: Yeah, yeah, you could just let her know.
• 10:17
  Speaker 2: So if you would want to hear mel Robbins on
• 10:19
  Speaker 2: the show while she is here in twenty twenty six, I.
• 10:23
  Speaker 3: Don't know, help a girl out.
• 10:25
  Speaker 2: I just feel like that would be good content.
• 10:27
  Speaker 3: I couldn't agree more. And I'd love to meet her.
• 10:29
  Speaker 2: Oh my god, yes, sex this is very self indulgent
• 10:32
  Speaker 2: at the same time as in my head being really
• 10:34
  Speaker 2: good content. Anyway, moving on, what do you think how
• 10:38
  Speaker 2: most popular episodes were?
• 10:39
  Speaker 3: Great?
• 10:40
  Speaker 6: I'm thinking like investing for Kids.
• 10:42
  Speaker 3: Oh my gosh.
• 10:43
  Speaker 2: Yeah, really, well, not for kids, but investing for beginners.
• 10:46
  Speaker 2: Oh yes, so number one episode was investing for Beginners,
• 10:49
  Speaker 2: stop dreaming and start doing. In twenty twenty five, Gray
• 10:52
  Speaker 2: or Sick, Yeah, great, number two Number two Rich Girl
• 10:56
  Speaker 2: mindset of how to get it?
• 10:58
  Speaker 3: Yeah, we all want to be rich.
• 11:00
  Speaker 2: And then number three.
• 11:02
  Speaker 3: I want to say the first episode maybe not for
• 11:05
  Speaker 3: the most out, but it wasn't people listen every year.
• 11:08
  Speaker 2: It wasn't.
• 11:09
  Speaker 6: Was it any drink, No, it wasn't.
• 11:11
  Speaker 2: This is going to stroke a team member's ego though,
• 11:14
  Speaker 2: Oh it's not us. Yeah, books investing diary. Yeah, so
• 11:19
  Speaker 2: Brooks investing Diary. How this she's on the money team member,
• 11:22
  Speaker 2: built her portfolio and can retire by the age of
• 11:24
  Speaker 2: thirty five.
• 11:25
  Speaker 3: It was a goody. It was a goodie.
• 11:27
  Speaker 2: And then I feel like the video clips went really
• 11:29
  Speaker 2: viral and like it is quite crazy to think that
• 11:32
  Speaker 2: someone so young is building a portfolio to be able
• 11:35
  Speaker 2: to retire it thirty five. You go, how does that work?
• 11:37
  Speaker 2: And she's like, we'll sit down, I'll show you exactly
• 11:39
  Speaker 2: what I'm doing.
• 11:40
  Speaker 3: Yeah, totally.
• 11:41
  Speaker 2: Yeah. It just got so many good reviews, good content.
• 11:45
  Speaker 2: So yeah, we'll do more of that in twenty twenty six.
• 11:48
  Speaker 2: We do blogs every week. I know that not everybody
• 11:51
  Speaker 2: knows that we post blogs, but I love writing. I
• 11:54
  Speaker 2: don't know if you guys know. I have a whole
• 11:56
  Speaker 2: column in The Age and City Morning Herald, and they
• 11:58
  Speaker 2: let me rant every week. They give me a thousand
• 12:00
  Speaker 2: words to just spend and I can tell people my
• 12:04
  Speaker 2: thoughts and feelings. I see that we also do that internally.
• 12:07
  Speaker 2: So we have a blog, our most popular blog posts
• 12:10
  Speaker 2: on our website, and I actually have carved out the
• 12:13
  Speaker 2: Christmas Gift Guide because that was obviously the most of course,
• 12:18
  Speaker 2: because I feel like everyone's like, oh my goodness, I
• 12:20
  Speaker 2: need this. But our most popular blogs coming in at
• 12:24
  Speaker 2: number one three mortgage hacks that could save you thousands
• 12:27
  Speaker 2: without you giving up your daily oat latte. I felt
• 12:30
  Speaker 2: that was a very important.
• 12:31
  Speaker 3: Very brand us yep.
• 12:33
  Speaker 2: Number two was asking for a friend. How much does
• 12:36
  Speaker 2: everyone really have in super Friends the fun? Yeah, but
• 12:40
  Speaker 2: we also use our community data, so we always dive
• 12:43
  Speaker 2: into well, this is how much our community has. And
• 12:46
  Speaker 2: number three was the best high interest savings accounts in
• 12:49
  Speaker 2: Australia right now. Yes, with all of the hoops, explained
• 12:53
  Speaker 2: that that was.
• 12:55
  Speaker 3: Just no Jess's read it.
• 12:57
  Speaker 2: We greing back and forth like that blog was like
• 13:00
  Speaker 2: I would say, a team effort, because not only did
• 13:02
  Speaker 2: we have to like write a blog, but we had
• 13:04
  Speaker 2: to do the research. We had to do this whole
• 13:06
  Speaker 2: damn spreadsheet. I just I was like, I'm not having
• 13:09
  Speaker 2: people coming back to me and go Victoria, Are they
• 13:12
  Speaker 2: just like the best high interest savings accounts you can
• 13:14
  Speaker 2: find on Google?
• 13:15
  Speaker 7: No?
• 13:15
  Speaker 4: No, like asked Jess, the spreadsheet was extensive. I'm just
• 13:21
  Speaker 4: more impressive. You guys, remember, because you do them all
• 13:24
  Speaker 4: the time.
• 13:24
  Speaker 2: I would be like, I think it was trauma.
• 13:26
  Speaker 5: Certain things just stick in your mind. You associate with
• 13:29
  Speaker 5: them with something. I'm glad that that one did well.
• 13:32
  Speaker 2: Not like none of those were sponsored. They were blogs
• 13:35
  Speaker 2: that we were like, let's do the best high interest
• 13:37
  Speaker 2: savings accounts in Australia right now. And it was really
• 13:40
  Speaker 2: fun because we'd come up with like new banks or
• 13:42
  Speaker 2: like find other things. And then unfortunately I make the
• 13:44
  Speaker 2: team read the pds. I'm like, you can't just like
• 13:47
  Speaker 2: look at their website marketing. That's where the trauma I
• 13:50
  Speaker 2: think comes for Jess and George and Brook consider. Anyway,
• 13:55
  Speaker 2: I'm going to make sure that all of those are
• 13:56
  Speaker 2: linked in the show notes for you. So if you
• 13:58
  Speaker 2: missed them, and you'll but they were the top ones,
• 14:01
  Speaker 2: you're not going to chase them for very long. Now,
• 14:03
  Speaker 2: let's move into the money wins of the year and
• 14:06
  Speaker 2: the things our community are most proud of. So we
• 14:09
  Speaker 2: asked our community what their biggest money wins of twenty
• 14:12
  Speaker 2: twenty five were and what they were most proud of,
• 14:15
  Speaker 2: But before we share them, I wanted to ask the
• 14:17
  Speaker 2: same thing for our question of the week, so I'm
• 14:20
  Speaker 2: not giving that to the community. What are you most
• 14:22
  Speaker 2: proud of in twenty twenty five, Jessica Rici.
• 14:25
  Speaker 3: I don't think anyone's going to be surprised at all.
• 14:27
  Speaker 3: I'm proud that I'm building a house.
• 14:30
  Speaker 2: Yeah, ex she earns it woo. You know, it's a
• 14:34
  Speaker 2: feeling that wasn't meant to be condescending, I promised, but
• 14:36
  Speaker 2: like that is so slay.
• 14:37
  Speaker 3: Yeah, I could not be more thrilled to be in debt.
• 14:40
  Speaker 3: That's been a long time coming.
• 14:41
  Speaker 5: As everybody knows, it's been quite the journey, and I'm
• 14:45
  Speaker 5: just really happy that the process is going and I'm
• 14:47
  Speaker 5: so excited about the fact that I'm building what will
• 14:50
  Speaker 5: be your home.
• 14:51
  Speaker 2: That's crazy, that's so exciting, and I just love that.
• 14:54
  Speaker 2: I know you wanted to buy something pre established, but
• 14:57
  Speaker 2: now we're going through I say weep because I feel
• 14:59
  Speaker 2: like I get to join. We're going through the process
• 15:01
  Speaker 2: of like just picking out all of her like designs
• 15:04
  Speaker 2: and like the tiles in the bathroom and the kitchen,
• 15:07
  Speaker 2: and I'm just like, this is going to be the
• 15:08
  Speaker 2: most Jess house ever.
• 15:09
  Speaker 3: There's going to be lots of pink.
• 15:10
  Speaker 2: There's so much pink, so much peach, there's so much pink.
• 15:14
  Speaker 2: I'm just so excited about it.
• 15:16
  Speaker 3: I couldn't fear. I'm over the moon.
• 15:18
  Speaker 5: Honestly, anytime I think about it, I just like, right now,
• 15:20
  Speaker 5: if you get through there, I'm like beating I just yeah,
• 15:21
  Speaker 5: it's so exciting.
• 15:22
  Speaker 2: It's so so nice.
• 15:23
  Speaker 6: Yes, and so so cute.
• 15:25
  Speaker 2: Misspects sayed, what are you most proud of?
• 15:27
  Speaker 4: Honestly, I was going to say, there's no like moment
• 15:30
  Speaker 4: that sticks out for me, but I think that I
• 15:31
  Speaker 4: am genuinely proud of the fact that I do live
• 15:34
  Speaker 4: paycheck to paycheck, but somehow I've managed to keep my
• 15:37
  Speaker 4: share house alive. I've managed to do all the things
• 15:41
  Speaker 4: I need to do and staying happy and staying free.
• 15:44
  Speaker 4: So I am just really proud that I'm not rich,
• 15:46
  Speaker 4: but I'm really making it, and I'm I'm very happy
• 15:50
  Speaker 4: about that.
• 15:50
  Speaker 2: Maybe twenty twenty six will be the year that Beck
• 15:53
  Speaker 2: finally lets me do her cash flow system and then
• 15:56
  Speaker 2: implements it.
• 15:58
  Speaker 3: That's the hard part.
• 15:59
  Speaker 6: It's the hard part, that's the harbor.
• 16:01
  Speaker 2: You're an investor, You've been an investor for more than
• 16:03
  Speaker 2: twelve months now, and I just feel like that level
• 16:06
  Speaker 2: of security probably really helps as well. Absolutely, what are
• 16:09
  Speaker 2: you most proud of this? Yeh? I wish I could
• 16:11
  Speaker 2: be like, Oh, I had this big thing that I did.
• 16:13
  Speaker 2: I think it's just the community. I feel like our
• 16:16
  Speaker 2: community has come together more this year than ever before.
• 16:19
  Speaker 2: I feel like we are lifting each other up. And
• 16:23
  Speaker 2: it sounds so fluffy, but when I was thinking about it,
• 16:25
  Speaker 2: I was like, it's literally just that vibe of like
• 16:28
  Speaker 2: the community coming together. And I think because we've been
• 16:31
  Speaker 2: around for so long, I'm now seeing more stories come
• 16:35
  Speaker 2: out where they're really big, big wins. So like, I'll
• 16:39
  Speaker 2: get messages now every week of people not just going
• 16:42
  Speaker 2: thanks so much. You helped me with my budget and
• 16:44
  Speaker 2: cash flow, which you know in year one we definitely got.
• 16:47
  Speaker 2: But people are changing their entire lives or have changed
• 16:49
  Speaker 2: their lives, or they're graduating a unique course they didn't
• 16:52
  Speaker 2: think that they could have done without us hyping them up.
• 16:55
  Speaker 2: Or they've bought their first home and they started in
• 16:58
  Speaker 2: debt and it's taken five years, but they're still on
• 17:01
  Speaker 2: the journey with us, and it's just so special to
• 17:03
  Speaker 2: know that our community are so successful. Like that's really
• 17:07
  Speaker 2: really cool. I think from a like a personal perspective,
• 17:11
  Speaker 2: my husband and I bought our I don't know, our
• 17:14
  Speaker 2: forever home this year, which was like the biggest thing ever.
• 17:17
  Speaker 2: And I've you know, I don't want to talk about
• 17:19
  Speaker 2: it heaps and heaps because I know that we're in
• 17:22
  Speaker 2: a very privileged position, but I also just go, this
• 17:25
  Speaker 2: house to me was something that I could never have comprehended.
• 17:29
  Speaker 2: Like I did not think that that was ever going
• 17:31
  Speaker 2: to be our reality. And I have worked really hard,
• 17:33
  Speaker 2: and like I don't want to downplay it, like that's
• 17:35
  Speaker 2: where it came from. It came from hard work, It
• 17:37
  Speaker 2: came from you know, all of the tears, all of
• 17:39
  Speaker 2: the sacrifice, all of the everything. But like, what do
• 17:42
  Speaker 2: you mean I got to purchase my dream home, So
• 17:45
  Speaker 2: that for us is really cool and just the idea
• 17:48
  Speaker 2: that you know, this is the home that Harvey's going
• 17:50
  Speaker 2: to grow up in. I just go, what, like, this
• 17:53
  Speaker 2: is the home I'll bring other children home to?
• 17:55
  Speaker 3: What Like that's so cool?
• 17:57
  Speaker 2: That's just cool for me, and I think that stability
• 17:59
  Speaker 2: is something I've always wanted to achieve for my children.
• 18:03
  Speaker 2: So yeah, bit fluffy, but also like a guess community,
• 18:07
  Speaker 2: and I bought a cool house for everybody. I say,
• 18:11
  Speaker 2: oh god, absolutely, cheese. You have gone through and done
• 18:15
  Speaker 2: a fair bit of work to pull out what we
• 18:17
  Speaker 2: think are some pretty big annual money wins.
• 18:21
  Speaker 3: What have you got alrighty?
• 18:22
  Speaker 5: Firstly, I've got one from Georgia, who said she started
• 18:25
  Speaker 5: the yart with twenty five thousand dollars down from forty
• 18:28
  Speaker 5: nine left to pay on her consumer debt. She's now
• 18:31
  Speaker 5: sixteen k in the green, including a five thousand dollar
• 18:35
  Speaker 5: emergency fund, and completely debt free.
• 18:38
  Speaker 3: Oh my gosh. She said her credit score is the
• 18:40
  Speaker 3: best it's been in five years.
• 18:41
  Speaker 6: Amazing.
• 18:42
  Speaker 3: How incredible is that?
• 18:43
  Speaker 2: That's so much money? That's so much my sorry sorry sorry,
• 18:47
  Speaker 2: So she started that she's doing more than one thousand
• 18:50
  Speaker 2: dollars a month to smash that out yep, and build
• 18:53
  Speaker 2: her Now that's more than two and a half grand
• 18:55
  Speaker 2: a month.
• 18:55
  Speaker 3: Yeah, wild Georgia.
• 18:58
  Speaker 5: Next, Rihanna said her biggest money win of twenty twenty
• 19:01
  Speaker 5: five was getting a promotion at work through self advocacy,
• 19:03
  Speaker 5: building her personal brand, networking with colleagues, and putting herself
• 19:07
  Speaker 5: in situations outside of her comfort zone. She said she
• 19:10
  Speaker 5: knows that she will continue to capitalize on these skills
• 19:12
  Speaker 5: into the future as well.
• 19:14
  Speaker 3: Good on you.
• 19:15
  Speaker 5: Then I've got one from Zoe Marie, who said she
• 19:17
  Speaker 5: refinanced her home loan at the twelve month mark to
• 19:20
  Speaker 5: her everyday bank so she could maximize the offsets, paired
• 19:23
  Speaker 5: with a few interest cuts that we've obviously had, and
• 19:25
  Speaker 5: now she's technically paying over one thousand dollars less per month,
• 19:29
  Speaker 5: but they're still paying additional funds to try and bring.
• 19:32
  Speaker 3: The term of the loan down. Gotcha.
• 19:34
  Speaker 6: I love that.
• 19:35
  Speaker 5: So that's great, very clever queen, paying the same amount,
• 19:38
  Speaker 5: paying it down faster. Much incredible work. Next, Sarah said
• 19:42
  Speaker 5: her biggest money win was double checking her income tax
• 19:44
  Speaker 5: and super by doing her due diligence and reading up
• 19:47
  Speaker 5: on policies and pay scales, plus a few confident discussions,
• 19:50
  Speaker 5: meant she received thousands in what she was owed and
• 19:53
  Speaker 5: that had been mistakenly missed on payroll and may have never.
• 19:56
  Speaker 3: Been picked up on.
• 19:56
  Speaker 2: Oh my god, wow, that's so good.
• 19:58
  Speaker 5: Always cross checked, totally that's the dream, genuinely. Next, Katrina
• 20:03
  Speaker 5: said that she has paid off her mortgage in twenty twenty.
• 20:05
  Speaker 2: Sorry the whole mortgage.
• 20:07
  Speaker 3: The whole mortgage cool.
• 20:09
  Speaker 5: She says, we changed the way we divided our money
• 20:11
  Speaker 5: into our accounts and it has changed our life. I
• 20:13
  Speaker 5: learned that prioritizing paying off the mortgage is exhausting, So
• 20:17
  Speaker 5: make sure you.
• 20:17
  Speaker 3: Reward yourself occasionally. Yeah, it would be you think is
• 20:20
  Speaker 3: a really great tip.
• 20:21
  Speaker 2: Totally.
• 20:21
  Speaker 5: Next, Sarah said using little ty cards throughout the year
• 20:24
  Speaker 5: and saving them up for hard times. She's been living
• 20:26
  Speaker 5: on them for a month and it's been hard as
• 20:28
  Speaker 5: she's moving into a new house, and it's meant she
• 20:31
  Speaker 5: can save where she can adore pass you set up
• 20:34
  Speaker 5: future you incredible work. And then lastly, I'm going to
• 20:36
  Speaker 5: do one this year from Talia, who said she graduated
• 20:39
  Speaker 5: university set herself a long term money goal because she
• 20:43
  Speaker 5: wants to have investments equal to her HEX balance before
• 20:45
  Speaker 5: she starts a family and has to take parental leave.
• 20:48
  Speaker 5: She said it took seven years, but with the twenty
• 20:51
  Speaker 5: percent cut applied and her most recent small chunk invested,
• 20:55
  Speaker 5: her portfolio balance is now greater than her HEX balance.
• 20:59
  Speaker 5: She said, what's more exciting than that my little one
• 21:01
  Speaker 5: is due in eight weeks? Spertulations, Tarlia, that's amazing.
• 21:07
  Speaker 1: Stop it.
• 21:07
  Speaker 2: I absolutely love that. Ah. I love our community so
• 21:11
  Speaker 2: much it makes me want to scream, Like I just
• 21:13
  Speaker 2: I'm so ridiculously proud of everyone in there. It doesn't
• 21:16
  Speaker 2: matter if you you know, we're just looking at cutting
• 21:18
  Speaker 2: down your after pay or you paid off your mortgage like,
• 21:20
  Speaker 2: I don't care. I'm equally excited about all of those.
• 21:23
  Speaker 3: Yes, you guys are incredible.
• 21:25
  Speaker 2: All right, let's go to a really quick break and
• 21:27
  Speaker 2: on the flip side, we are diving even deeper. We
• 21:29
  Speaker 2: are going to be talking about which is a better option.
• 21:31
  Speaker 2: Are we going to be building a home or are
• 21:33
  Speaker 2: we buying one? And something we slid into our dms
• 21:37
  Speaker 2: about should I be getting a credit card to be
• 21:39
  Speaker 2: getting through the rest of this summer?
• 21:41
  Speaker 1: Mm?
• 21:41
  Speaker 5: Spoiler, I wonder what Victoria thinks. Anyway, Let's go to
• 21:44
  Speaker 5: a break. Welcome back, everybody. Let's take a listen to
• 21:50
  Speaker 5: this week's money dilemma.
• 21:54
  Speaker 7: Hi, there, have you got a money dilemma you just
• 21:56
  Speaker 7: can't solve? The Sheese on the Money team is here
• 21:59
  Speaker 7: to help. Every week we tackle your dilemmas, both big
• 22:02
  Speaker 7: and small, to answer your most burning money, career and
• 22:05
  Speaker 7: life questions. To get involved, simply head to our website
• 22:08
  Speaker 7: and leave us a short voice recording and you might
• 22:10
  Speaker 7: just find yourself on the show.
• 22:12
  Speaker 2: Now, let's take a listen to this week's money Dilemma.
• 22:17
  Speaker 3: Hello, SotM Squad, Happy Friday.
• 22:20
  Speaker 8: I'm in the middle of listening to twenty of the episodes, actually,
• 22:23
  Speaker 8: but I have a dilemma or a question, so to speak,
• 22:25
  Speaker 8: about building versus buying. This year, me and my partner
• 22:29
  Speaker 8: bought our first house, a townhouse, and we are well
• 22:33
  Speaker 8: and truly on the way of looking what the next
• 22:36
  Speaker 8: house looks like for our family home. And I work
• 22:39
  Speaker 8: at a bank in the construction lending sector, and right
• 22:41
  Speaker 8: now it's proving true that building is going to be
• 22:44
  Speaker 8: a lot cheaper than it is buying, and that might
• 22:47
  Speaker 8: change obviously in the next like one to five years.
• 22:50
  Speaker 8: But I'm curious to know what your thoughts are on
• 22:53
  Speaker 8: buying versus building. Thank you well.
• 22:57
  Speaker 5: I had this exact situation this year myself, so I
• 23:01
  Speaker 5: feel you tell me kind of qualified. I had a
• 23:04
  Speaker 5: very similar situation to our listener in that I was
• 23:06
  Speaker 5: just finding that everything that was established was so expensive
• 23:10
  Speaker 5: to the point where prices were being pushed up beyond
• 23:14
  Speaker 5: what I felt was reasonable for them, like you would
• 23:16
  Speaker 5: be overpaying in my opinion. Now I'm obviously going through
• 23:20
  Speaker 5: the building process. I'm still in very early days, but
• 23:24
  Speaker 5: I think it's been a fantastic decision for me. I
• 23:26
  Speaker 5: think the really fun thing, especially if you're someone who's particular,
• 23:30
  Speaker 5: is when you build, like all of that control sits
• 23:32
  Speaker 5: with you, so you get to pick, as Victoria was
• 23:34
  Speaker 5: saying earlier, like all of your tiles, your wall color,
• 23:37
  Speaker 5: like all these different fun things. And I think that
• 23:40
  Speaker 5: that is a really exciting thing to me, Like it's
• 23:42
  Speaker 5: something that I've really enjoyed. It has been a bit
• 23:44
  Speaker 5: of an arduous process, but it's been really fun. The
• 23:48
  Speaker 5: other thing is, and I guess because you guys already
• 23:51
  Speaker 5: have your property, it's probably not as applicable to use
• 23:54
  Speaker 5: it was to me.
• 23:55
  Speaker 3: But building a.
• 23:55
  Speaker 5: Home meant that I was able to take advantage of
• 23:58
  Speaker 5: a lot of grants and schemes that I wouldn't have
• 24:00
  Speaker 5: qualified for had I purchased established. So, like the first
• 24:04
  Speaker 5: home owners grant the stamp duty exemption because of the
• 24:08
  Speaker 5: cost of buying established homes, I would have capped out
• 24:11
  Speaker 5: on that, whereas if you're buying land and then building
• 24:15
  Speaker 5: a home on it, the assessment is done on the
• 24:17
  Speaker 5: value of the land at the time that you purchase it,
• 24:20
  Speaker 5: which is often like half ish of your total cost,
• 24:24
  Speaker 5: And so like that saved me. I believe, like thirty
• 24:27
  Speaker 5: plus thousand dollars is stamp duty. I'm with your Victoria
• 24:29
  Speaker 5: because she knows the numbers.
• 24:31
  Speaker 2: I'm yeah, I went through her numbers. Yep, everything she
• 24:35
  Speaker 2: has said so far. Yes, yeah, there were huge things
• 24:38
  Speaker 2: to me.
• 24:38
  Speaker 5: Obviously for you that might not be the case because
• 24:40
  Speaker 5: you've already bought a home. But I think I'm a
• 24:43
  Speaker 5: big fan of the process of building. Heaps of people
• 24:45
  Speaker 5: said to me over the years, Oh, I wouldn't build
• 24:48
  Speaker 5: your first home, and now that I'm doing it, I
• 24:50
  Speaker 5: don't really understand why they said that, Like maybe.
• 24:52
  Speaker 2: A building not to be rude. Yeah, it's like when
• 24:54
  Speaker 2: people are like, how hard could parenting be? True when
• 24:57
  Speaker 2: they're not parents, and I go, you sit down, you
• 25:00
  Speaker 2: just wait. People say things like, oh my god, I
• 25:02
  Speaker 2: would never let my kid. No, sorry, you can't say
• 25:05
  Speaker 2: you can't take a Yeah, like, don't get me wrong.
• 25:09
  Speaker 2: You might have a very smooth process and I'm manifesting
• 25:12
  Speaker 2: that very hard. But yeah, yeah, sorry to cut you off.
• 25:18
  Speaker 3: Tell me your thoughts.
• 25:19
  Speaker 2: Okay, So when it comes to building versus buying on paper,
• 25:23
  Speaker 2: building is going to look cheaper, that doesn't mean it is.
• 25:28
  Speaker 2: I think we need to look at the season and
• 25:29
  Speaker 2: of our lives. And you know, to flip this, we
• 25:32
  Speaker 2: didn't build, but my husband and I purchased our first
• 25:35
  Speaker 2: home with the intention of significantly renovating it, and we
• 25:38
  Speaker 2: did and we sold it and like it all came
• 25:41
  Speaker 2: out in the wash. When I say it all came
• 25:43
  Speaker 2: out in the wash, it was a chaotic process, like Jess,
• 25:46
  Speaker 2: you remember my chaos period. And I can't tell you
• 25:49
  Speaker 2: if that was all the builder's fault. Terrible builder, by
• 25:52
  Speaker 2: the way, sorry, not builder, terrible project manager. The builder
• 25:55
  Speaker 2: was delightful, terrible project manager. It wasn't me, by the way.
• 25:59
  Speaker 2: I didn't like if I had, it would have been
• 26:02
  Speaker 2: just as bad. Anyway. That process meant that we thought
• 26:06
  Speaker 2: we would have ended up walking away with a bigger
• 26:08
  Speaker 2: profit on the house when we sold it, and that's
• 26:09
  Speaker 2: just not the reality of the situation. Absolutely fine, because
• 26:12
  Speaker 2: that's not what you're checking in with my husband, and
• 26:15
  Speaker 2: I decided that building wasn't for us because it really
• 26:18
  Speaker 2: depends on where you're building what you're looking at, Like
• 26:21
  Speaker 2: Jess is building in an area that has a lot
• 26:23
  Speaker 2: of construction already, and you're.
• 26:24
  Speaker 3: Going to go in availability.
• 26:26
  Speaker 2: Yeah, you're going to go with a house on land package.
• 26:29
  Speaker 2: So for me to build any area that I would
• 26:31
  Speaker 2: have wanted to build in, it would have meant there's
• 26:34
  Speaker 2: no empty blocks of land. It would have meant a
• 26:37
  Speaker 2: buy a house, demo a house, rebuild a house, which
• 26:40
  Speaker 2: is going to have a lot more costs associated with it,
• 26:42
  Speaker 2: not just because of demolition, but because it's out of
• 26:45
  Speaker 2: the area that most of the builders are working in.
• 26:48
  Speaker 2: So Jess is going to get more preferable rates because
• 26:50
  Speaker 2: they're also building three houses down the street that have
• 26:52
  Speaker 2: very similar fittings and fixtures and they can kind of
• 26:54
  Speaker 2: keep things on a similar timeframe. There's a lot to it.
• 26:58
  Speaker 2: It also depends if you've entered into a fixed rate
• 27:00
  Speaker 2: building contract versus a not fixed rate building contract. And
• 27:04
  Speaker 2: as we're probably I don't know if you guys are watching,
• 27:06
  Speaker 2: but like mining is getting more expensive, minerals are getting
• 27:10
  Speaker 2: more expensive, iron ore is getting more expensive, and for this,
• 27:14
  Speaker 2: it means that lots of people's budgets are being blown
• 27:16
  Speaker 2: because they're like, oh, well, you know, these these floorboards
• 27:20
  Speaker 2: were fifty dollars a square meter, they're now sixty dollars
• 27:23
  Speaker 2: a square meter, and you think ten bucks here and there,
• 27:25
  Speaker 2: what's the difference. But this stuff adds up. And then
• 27:28
  Speaker 2: it's also the delays. So Jess is in a perfect
• 27:32
  Speaker 2: position from my perspective. She's got a rental property that
• 27:35
  Speaker 2: she can live in. You could go month to month
• 27:37
  Speaker 2: if they kept pushing it out and make it work
• 27:40
  Speaker 2: for you. But there's a lot of people who will
• 27:42
  Speaker 2: build and then go home moving with mum and dad
• 27:45
  Speaker 2: for the six months they say it takes, then it
• 27:47
  Speaker 2: takes twelve, or they have to keep renting and paying
• 27:49
  Speaker 2: the mortgage on the land. Look, there's just a lot
• 27:52
  Speaker 2: to go through. So I don't think that there is
• 27:54
  Speaker 2: a right or a wrong. But I think it's about
• 27:56
  Speaker 2: deep diving because like, I wouldn't do it in my area,
• 28:00
  Speaker 2: but I did the numbers for Jests and I was like, yes,
• 28:01
  Speaker 2: dive in Like that sounds fantastic, Like you know, she'd
• 28:04
  Speaker 2: already done the research before she even bought the house
• 28:06
  Speaker 2: on the type of builder she'd use, how much the
• 28:08
  Speaker 2: type of house she would want to purchase would cost,
• 28:11
  Speaker 2: what the upgrades would look like, what upgrades she could afford,
• 28:14
  Speaker 2: versus not like just went deep. That's what I want
• 28:17
  Speaker 2: you to do if you're going to be doing that,
• 28:19
  Speaker 2: whereas I went deep on mine, and I was just like,
• 28:21
  Speaker 2: my goodness, Like this is crazy.
• 28:25
  Speaker 8: You know.
• 28:26
  Speaker 2: I don't want to scare people, but like I have
• 28:28
  Speaker 2: a neighbor down the road for me who did the
• 28:30
  Speaker 2: knockdown rebuild. Their house is going to be beautiful. They're
• 28:34
  Speaker 2: already fifty percent over budget.
• 28:35
  Speaker 3: That's crazy.
• 28:37
  Speaker 2: And like once you get there, what do you do?
• 28:39
  Speaker 2: Just stop building the house? Yeah, you see, So you
• 28:42
  Speaker 2: have to make sure that you know what you're up
• 28:45
  Speaker 2: against when it comes to building, Like, yes, you might
• 28:47
  Speaker 2: save on stamp duty, but like, what does the timeframe
• 28:51
  Speaker 2: look like? And I feel like yours is very predictable, Jess, Yeah,
• 28:55
  Speaker 2: because of the style of house, the location, et cetera.
• 28:58
  Speaker 3: Build her and stuff too.
• 28:59
  Speaker 2: Exactly exactly, Whereas if we had done it, we could
• 29:02
  Speaker 2: have gone through a volume builder. But because it's so
• 29:05
  Speaker 2: out of the way of every other house they're building,
• 29:07
  Speaker 2: we would be the ones that would be left lagging
• 29:09
  Speaker 2: while they prioritize getting a bulk lot done.
• 29:11
  Speaker 5: Yeah. The other thing I would say, sorry, you remind
• 29:14
  Speaker 5: me of something very good. I so about this in
• 29:15
  Speaker 5: a YouTube view. The costs that you look at for
• 29:17
  Speaker 5: houses online are so not even remotely close to the
• 29:20
  Speaker 5: final costion there.
• 29:21
  Speaker 2: It's crazy. They'll give you the budget version.
• 29:23
  Speaker 5: Yeah, and it's like you have to factor in upgrades,
• 29:25
  Speaker 5: site costs, which will vary depending on where your land is,
• 29:28
  Speaker 5: the cost putting appliances, driveway, your driving's.
• 29:31
  Speaker 3: Not included, fend, things not included. There are lots of
• 29:33
  Speaker 3: things like that.
• 29:34
  Speaker 5: That you need to factor in that will be on
• 29:36
  Speaker 5: top of whatever those listed prices are online.
• 29:39
  Speaker 2: So you go, great, that's the house, and they're like, yeah,
• 29:41
  Speaker 2: the shell of the house.
• 29:42
  Speaker 6: Huh, yeah, that's so mean.
• 29:44
  Speaker 3: Yeah it is.
• 29:45
  Speaker 2: But then there's just such variance between what you do.
• 29:48
  Speaker 2: Like Jess will go in right, so she's picked her
• 29:51
  Speaker 2: like shell of her house. And now we're going in
• 29:53
  Speaker 2: and we're looking at the kitchen. Do you want marble
• 29:55
  Speaker 2: bench tops? I do need it, yes, but like some
• 29:58
  Speaker 2: people would not want that out. Yeah, that's going to
• 30:00
  Speaker 2: cost you between ten and thirty thousand dollars yep, and
• 30:03
  Speaker 2: that's another cost to be added. Great, what types of
• 30:06
  Speaker 2: appliances are you putting in? Are you just putting in
• 30:08
  Speaker 2: the most basic or are you like, no, massive cook,
• 30:12
  Speaker 2: I want the fanciest European appliances. Well that's going to
• 30:16
  Speaker 2: change the price point again, and these changes around the
• 30:19
  Speaker 2: house are going to add up. Yeah, the type of
• 30:22
  Speaker 2: tile you pick one could be the most basic tile
• 30:26
  Speaker 2: dollar per tile money win.
• 30:27
  Speaker 3: Yep.
• 30:28
  Speaker 2: You could be like, oh, I really like these Italian
• 30:30
  Speaker 2: blue ones.
• 30:30
  Speaker 6: They work really well.
• 30:32
  Speaker 2: Great, that's actually seventeen dollars a tile, and that adds up.
• 30:35
  Speaker 2: So it's not that they're trying to screw you over,
• 30:39
  Speaker 2: but they can't give you an accurate representation of what
• 30:42
  Speaker 2: your dreamhouse is going to look like because they're not
• 30:45
  Speaker 2: trying to mess you around. They're like, the base costs this,
• 30:48
  Speaker 2: and then your kitchen could cost like we could probably
• 30:51
  Speaker 2: build one for ten grand money win. Or did you
• 30:53
  Speaker 2: want all of the luxury inclusions because that's a fifty
• 30:55
  Speaker 2: thousand dollar kitchen totally? Well that's one hundred thousand dollar kitch,
• 30:58
  Speaker 2: you know what I mean? So is that fair to
• 31:00
  Speaker 2: just give it a one price. I see, Yeah, yeah
• 31:04
  Speaker 2: that makes sense. What would you do build a bye?
• 31:08
  Speaker 1: God?
• 31:08
  Speaker 4: I just am so it's not my world, it's not
• 31:13
  Speaker 4: my wheelhouse. But I think that I wouldn't have the
• 31:15
  Speaker 4: patience to build. I feel like I would be so
• 31:19
  Speaker 4: excited to be purchasing that I would want it to
• 31:22
  Speaker 4: be already existing. But there is something really nice about
• 31:24
  Speaker 4: knowing that you're walking into a home that you've bought,
• 31:27
  Speaker 4: and you, other than the builders, are the.
• 31:30
  Speaker 6: Only ones to touch the service lived there. You're the
• 31:33
  Speaker 6: only one to live in that house. Ever. You know,
• 31:37
  Speaker 6: there would be something really special about that.
• 31:39
  Speaker 2: Do you care about that? Are you excited about that?
• 31:41
  Speaker 5: I mean yeah, like I guess it's something nice, like well,
• 31:44
  Speaker 5: no one had sex on my kitchen counter. Yeah, I
• 31:50
  Speaker 5: think there's something in it all being do you house
• 31:52
  Speaker 5: sit up?
• 31:53
  Speaker 2: Beck and I are interested.
• 31:57
  Speaker 3: It's because you want to.
• 31:59
  Speaker 2: We were just we're just interested in the opportunity.
• 32:03
  Speaker 3: Yeah, that sounds which was coming on to me, But
• 32:06
  Speaker 3: I'm open to it. That's so fine.
• 32:08
  Speaker 2: You know what I would if I could, but I can't.
• 32:09
  Speaker 6: So I'm so glad to eilat year I'm married.
• 32:12
  Speaker 3: Maybe it could have worked. It's a real shame. But
• 32:19
  Speaker 3: if you could keep your kitchen.
• 32:20
  Speaker 2: Counterclanus fantastic, that would be fantastic. I just didn't care
• 32:26
  Speaker 2: about that as someone who's always like lived in rentals
• 32:29
  Speaker 2: and bought secondhand cars like I.
• 32:31
  Speaker 3: Just that's a great point. Like all my couches.
• 32:35
  Speaker 2: Yeah, I've got this brand new kitchen. No one has
• 32:38
  Speaker 2: had sex on my kitchen bench. The couch, though, I
• 32:41
  Speaker 2: don't know what those stains are.
• 32:42
  Speaker 3: Look, I'm in the market as a couch is okay?
• 32:46
  Speaker 2: Oh god, all right, let's move on. I feel like
• 32:48
  Speaker 2: that has probably wrapped that up. Would you like to
• 32:50
  Speaker 2: get into the DM.
• 32:52
  Speaker 3: That we got? Absolutely yes, please?
• 32:54
  Speaker 7: All right.
• 32:54
  Speaker 2: So I think this is a really timely one, which
• 32:56
  Speaker 2: is why I picked it. So someone slipped into my
• 32:58
  Speaker 2: DMS this week and said, Hi, she's on the I
• 33:00
  Speaker 2: have a dilemma that I'd love to get some opinions
• 33:02
  Speaker 2: on context. In term four, I took a nine week
• 33:05
  Speaker 2: opportunity as a teacher's aid in a town twenty hours
• 33:08
  Speaker 2: from where I'm from. As a temporary position, I won't
• 33:11
  Speaker 2: receive holiday pay over the next six weeks, but I
• 33:14
  Speaker 2: will have permanency there In twenty twenty six, however, I'm
• 33:18
  Speaker 2: concerned about finances over the six week holidays that are
• 33:21
  Speaker 2: coming up. I've left with five thousand dollars in my
• 33:24
  Speaker 2: bank account and four and a half thousand dollars in
• 33:26
  Speaker 2: my raised shares. At the moment, I don't have any debt,
• 33:28
  Speaker 2: just twenty seven hundred and sixty five dollars of total
• 33:32
  Speaker 2: rent to pay for the next six weeks before I
• 33:34
  Speaker 2: return to start my new job. I'll also have a
• 33:37
  Speaker 2: few big expenses over the holidays. The big question here
• 33:40
  Speaker 2: is should I apply for a personal loan or a
• 33:42
  Speaker 2: credit card to get me through this period or is
• 33:45
  Speaker 2: it wise to withdraw some of my money from shares?
• 33:48
  Speaker 8: Oh?
• 33:51
  Speaker 4: I mean, maybe it's because I am kind of savvy
• 33:57
  Speaker 4: with my money now, because I'm perpetually broke.
• 34:00
  Speaker 6: And sorry, you're.
• 34:01
  Speaker 2: Definitely getting better. I don't think you're broke.
• 34:04
  Speaker 3: I'm going to video you.
• 34:05
  Speaker 2: You're not allowed to call yourself broke when you have
• 34:06
  Speaker 2: a shared portfolio. Yeah true, actually legal, Yeah that's true.
• 34:10
  Speaker 6: That's a really good point. That's crazy.
• 34:11
  Speaker 2: But I'm taking your identity away from you. I'm so sorry.
• 34:14
  Speaker 3: That's so fun.
• 34:14
  Speaker 4: I think that I would just be picking up and
• 34:16
  Speaker 4: I know that it sounds like they're quite busy, but
• 34:18
  Speaker 4: I would be picking up.
• 34:19
  Speaker 2: Like odd jobs here and there.
• 34:21
  Speaker 6: It's a really tricky one.
• 34:23
  Speaker 4: I don't think you should go into debt because it
• 34:26
  Speaker 4: could get out of control really quickly, like a wildfire,
• 34:29
  Speaker 4: you know.
• 34:30
  Speaker 3: So don't risk it.
• 34:31
  Speaker 6: Don't risk it.
• 34:32
  Speaker 4: I'd be trying to find odd jobs here and there
• 34:35
  Speaker 4: before dipping into your shares.
• 34:39
  Speaker 3: I mean, six weeks is a long time to not
• 34:40
  Speaker 3: be working. I think that I'm with you.
• 34:43
  Speaker 5: I'm team like, pick up some extra work, if you
• 34:44
  Speaker 5: can do some doornatshit do whatever to me? You say, like,
• 34:48
  Speaker 5: what I have heard is rough a little bit over
• 34:51
  Speaker 5: half of your income or money that you have, half
• 34:54
  Speaker 5: of your five thousand dollars needs to go to rent.
• 34:56
  Speaker 5: In my mind, for myself, two thousand dollars to last
• 35:00
  Speaker 5: six weeks would be enough to cover food, et cetera.
• 35:04
  Speaker 5: I don't know about your bills and stuff, and I
• 35:05
  Speaker 5: don't know about those large expenses that you alluded to.
• 35:08
  Speaker 3: Yes, so if the combination of those things is going to.
• 35:10
  Speaker 5: Chew through all of that five thousand dollars, I would
• 35:14
  Speaker 5: be saying that, yeah, you do need to look at
• 35:15
  Speaker 5: an alternative option to give yourself a bit of safety,
• 35:19
  Speaker 5: whether that is picking up our jobs. That would be
• 35:21
  Speaker 5: my personal preference for you and for myself too. Honestly,
• 35:24
  Speaker 5: if you had to get a credit card, and I'm
• 35:27
  Speaker 5: not against credit cards, I have one for the points
• 35:29
  Speaker 5: I think, I would just say, be smart about it,
• 35:32
  Speaker 5: so I would save signing up for the credit card
• 35:36
  Speaker 5: until the last possible minute, so that you can align
• 35:40
  Speaker 5: your repayment with when your first payment from you when
• 35:43
  Speaker 5: your job will because I assume at most your first
• 35:46
  Speaker 5: payment would be every four weeks, but I believe for
• 35:50
  Speaker 5: teachers he today it's more often fortnightly. So if that's
• 35:53
  Speaker 5: the case, I would say, maybe like a week or
• 35:56
  Speaker 5: two before you go back to school, when you arguably
• 35:58
  Speaker 5: probably are quite skin get a credit card. Do not
• 36:02
  Speaker 5: spend more on that credit card. Then you will be
• 36:04
  Speaker 5: able to pay off with that first pay cycle, and
• 36:06
  Speaker 5: make sure that you do so so you're not paying
• 36:08
  Speaker 5: any interest.
• 36:10
  Speaker 3: Is it an ideal situation?
• 36:11
  Speaker 6: Obviously not.
• 36:12
  Speaker 5: It really comes down to are you responsible enough to
• 36:14
  Speaker 5: have a credit card? All those sorts of things exactly
• 36:17
  Speaker 5: We're saying, if you're going to spend and get into
• 36:18
  Speaker 5: like a bad cycle, wouldn't recommend Definitely my preference would
• 36:22
  Speaker 5: be just pick up the extra work to get you through,
• 36:24
  Speaker 5: because six weeks is a long time to not be working.
• 36:26
  Speaker 5: But if you absolutely had to, I don't want you
• 36:28
  Speaker 5: to not have any money available to you at all.
• 36:31
  Speaker 3: That's my thought totally.
• 36:33
  Speaker 2: I agree and don't agree. I would be like saving
• 36:35
  Speaker 2: the credit card as a last resort, like just because
• 36:39
  Speaker 2: I feel like that's a fantastic way of dealing with it. Jesse,
• 36:42
  Speaker 2: It genuinely is. But that's how so many people get
• 36:45
  Speaker 2: their first credit cards and then get themselves into deck
• 36:48
  Speaker 2: because they go, this will just get me through this period,
• 36:51
  Speaker 2: and then after this period, I'm just not going to
• 36:53
  Speaker 2: use it again. But then next month happens and you
• 36:55
  Speaker 2: really want to go to someone's birthday, or the month
• 36:58
  Speaker 2: after that happens and you're like, far out, I've got
• 37:00
  Speaker 2: unexpected rediro cost. I'll just chuck it on my credit
• 37:02
  Speaker 2: card and deal with it later. And that's how debt
• 37:04
  Speaker 2: starts to snowball, and you start to get more and
• 37:06
  Speaker 2: more comfortable using your card and you don't think about it,
• 37:09
  Speaker 2: Like nobody gets a credit card with the intention of
• 37:12
  Speaker 2: going into significant debt. I don't think I've ever met
• 37:14
  Speaker 2: someone who's been in significant credit card debt and I've said, well,
• 37:18
  Speaker 2: you know, why did you first get a credit card?
• 37:19
  Speaker 2: Talk me through that, and they go, well, V I
• 37:21
  Speaker 2: just had all this expensive luxury stuff I couldn't afforded,
• 37:25
  Speaker 2: and I just thought, yeah, I just thought i'd get
• 37:27
  Speaker 2: a credit card and I could have that stuff. It's
• 37:30
  Speaker 2: always a story like that, where oh, yeah, I had
• 37:33
  Speaker 2: these six weeks and that's the tipping point. So I
• 37:36
  Speaker 2: feel like it's a very slippery slope, which is why
• 37:38
  Speaker 2: I would avoid it at all costs. Not saying it's
• 37:41
  Speaker 2: the end of the world to do that, but I
• 37:43
  Speaker 2: just want a caveat there. For me, it would be
• 37:46
  Speaker 2: what you suggested as well. What could you do in
• 37:48
  Speaker 2: those six weeks? Could you jump on air tasker and
• 37:51
  Speaker 2: you know, do some proof reading for somebody to get
• 37:53
  Speaker 2: a few couple of like a couple of hundred bucks
• 37:55
  Speaker 2: in are their tasks that you could take up? Is
• 37:57
  Speaker 2: there a cafe you could go in work in.
• 38:00
  Speaker 3: Did you do tutoring?
• 38:01
  Speaker 2: Aud you do shootoring? Like I feel like lots of
• 38:03
  Speaker 2: cafes over the holiday periods always want some more hands
• 38:06
  Speaker 2: on deck. And if you went in and said, hey,
• 38:07
  Speaker 2: I'd love to work for you for the next six
• 38:09
  Speaker 2: months while you're dealing with additional holiday traffic. Like that's
• 38:14
  Speaker 2: a money win. That's probably a good tip for people
• 38:16
  Speaker 2: who are listening to this on boxing day and they're like, oh,
• 38:18
  Speaker 2: like I don't start unied till March or something. Yeah,
• 38:21
  Speaker 2: that's a busy period for most people in HOSPO. So yeah,
• 38:26
  Speaker 2: I would look at that. I would obviously firstly want
• 38:28
  Speaker 2: to look at like your budget. Is there anything you
• 38:30
  Speaker 2: can delay, Like is obviously we're paying our rent, but
• 38:34
  Speaker 2: are there any things coming up that you're like, Oh,
• 38:35
  Speaker 2: I actually don't have to spend that this month. They
• 38:37
  Speaker 2: could put it off until I have my full time
• 38:39
  Speaker 2: job again. But yeah, for me, I think it would
• 38:41
  Speaker 2: be about budget and cash flow. How can I bring
• 38:43
  Speaker 2: in some additional cash? Okay, maybe we could look at
• 38:46
  Speaker 2: our raise portfolio, because in all honesty, from a pragmatic
• 38:49
  Speaker 2: point of view, I'd prefer you to pull out a
• 38:51
  Speaker 2: couple of one hundred dollars that you need from your
• 38:53
  Speaker 2: share portfolio then get a credit card to cover that.
• 38:56
  Speaker 2: I don't know how long you've been investing in rays,
• 38:59
  Speaker 2: I don't know what that looks like. But if it's
• 39:00
  Speaker 2: either on par with the market or just above the market.
• 39:03
  Speaker 2: It's not the end of the world. And then you
• 39:04
  Speaker 2: could create a little plan once you get back to
• 39:07
  Speaker 2: work to replenish that amount. But yeah, that's probably where
• 39:10
  Speaker 2: my brain is at. I'm just so scared of you're
• 39:13
  Speaker 2: getting a credit card and then falling down the credit
• 39:15
  Speaker 2: card like slide.
• 39:17
  Speaker 3: Basically totally what everyone else say.
• 39:18
  Speaker 2: Everyone else always has an opinion, and I love it.
• 39:21
  Speaker 2: So the first thing I asked you guys was what
• 39:22
  Speaker 2: would you do if you were our community member. Forty
• 39:25
  Speaker 2: four percent said I would be trying to reduce my expenses.
• 39:28
  Speaker 2: Thirty four percent, you guys, we're all on the same page,
• 39:31
  Speaker 2: said I'm going to look at holiday income. Twelve percent
• 39:33
  Speaker 2: said they'd sale shares, and ten percent said look at
• 39:36
  Speaker 2: loan and credit options. So I feel like that's reflective
• 39:38
  Speaker 2: of the conversation we had. The next question we asked
• 39:42
  Speaker 2: was what's your biggest priority with money right now? Thirty
• 39:45
  Speaker 2: eight percent said working on your budget and cash flow.
• 39:49
  Speaker 2: My money master class is a great place to start.
• 39:52
  Speaker 2: Twenty six percent of you said growing investments. My investing
• 39:56
  Speaker 2: master class is a great first sister. Nineteen percent said
• 39:59
  Speaker 2: avoiding an eighteen percent said generating more income. Then I
• 40:04
  Speaker 2: asked you, guys, what's your two cents? So diving straight in,
• 40:07
  Speaker 2: first person said, will they even be eligible for a
• 40:09
  Speaker 2: loan or a credit card if they're not currently working?
• 40:11
  Speaker 2: That's a great point. Actually, oh true, Yes and no
• 40:14
  Speaker 2: if you've got a signed employment contract. Usually yes as
• 40:17
  Speaker 2: a low bar. Yeah, not saying that is a good thing,
• 40:21
  Speaker 2: but there is usually a very low bar. Next person,
• 40:23
  Speaker 2: it is a two parter. I would make up a
• 40:25
  Speaker 2: budget and try my best to stick to it. Also
• 40:27
  Speaker 2: try and get some extra cash flow in, maybe with
• 40:30
  Speaker 2: tutoring or other casual jobs. Just keeping everything in the black.
• 40:33
  Speaker 3: Yeah.
• 40:34
  Speaker 2: Next person said, can a family member learn new money
• 40:37
  Speaker 2: interest free and then you can pay it back when
• 40:38
  Speaker 2: you're working? I mean, not the worst. Like if you're
• 40:41
  Speaker 2: in a situation where your mum can give you five
• 40:43
  Speaker 2: hundred bucks and you pay you back and it's very
• 40:46
  Speaker 2: clean and easy. I don't think that's the worst thing
• 40:48
  Speaker 2: in the world. No, but not everybody is in a
• 40:50
  Speaker 2: position where they want to do that or can do that.
• 40:52
  Speaker 2: Next person said, Hubby and I use a credit card
• 40:55
  Speaker 2: responsibly to manage cash flow, and it works well for us.
• 40:58
  Speaker 2: I agree, so do we. So does Jess, Like it's
• 41:02
  Speaker 2: not a bad thing. What would happen if I gave
• 41:04
  Speaker 2: you a credit card nowadays?
• 41:05
  Speaker 9: No?
• 41:05
  Speaker 4: Today, I think I'd be okay with it. Like maybe
• 41:08
  Speaker 4: even a year or two ago it would have blown
• 41:10
  Speaker 4: up out of country.
• 41:10
  Speaker 2: It wouldn't be So you need to know your personality
• 41:12
  Speaker 2: and whether that's going to be totally totally next person said,
• 41:16
  Speaker 2: if she's offered permanency in twenty twenty six, she should
• 41:19
  Speaker 2: be receiving holiday pay union chats asap needed.
• 41:24
  Speaker 3: There you go, good to know.
• 41:25
  Speaker 2: Well, yes and no, so absolutely agree. But I'm pretty
• 41:28
  Speaker 2: sure holiday pay only works like once you're in the job. Yeah,
• 41:32
  Speaker 2: like your contract doesn't start until the first date. Yeah,
• 41:36
  Speaker 2: so maybe you get holiday pay next year for like
• 41:39
  Speaker 2: the twenty twenty seven holidays, but you don't get it
• 41:42
  Speaker 2: this year. Does that make sense? Because there's no way,
• 41:44
  Speaker 2: like if I took on a new staff member, logically,
• 41:47
  Speaker 2: I wouldn't be like, oh, Jess, come work for me
• 41:49
  Speaker 2: from you know, the start of February. I'll just start
• 41:52
  Speaker 2: paying you now. Yeah, that doesn't make sense to me.
• 41:55
  Speaker 2: But again, I'm not a teacher, so that might not
• 41:57
  Speaker 2: be how it works. I'm just a little bit like
• 41:59
  Speaker 2: call you union anyway and find out and last one
• 42:02
  Speaker 2: I'll give you. This person said, absolutely, don't do it,
• 42:04
  Speaker 2: Just go get a casual or retail or cafe job.
• 42:07
  Speaker 2: Credit is always a trap. Yes, yes, yes, true, all right,
• 42:11
  Speaker 2: I feel like that's a good rap on it. I
• 42:14
  Speaker 2: don't think we should be getting a credit card to
• 42:16
  Speaker 2: get through the summer season, not because it wouldn't help us,
• 42:18
  Speaker 2: but because I think it's a slippery slope. Fair now,
• 42:21
  Speaker 2: I do, and I don't want to get into this
• 42:23
  Speaker 2: next segment. We have set the expectation that every year
• 42:26
  Speaker 2: we give you a Bloopers rap, and unfortunately, you guys
• 42:30
  Speaker 2: blow up our DMS telling us how funny and how
• 42:32
  Speaker 2: much you'd love it and how you hope it never
• 42:34
  Speaker 2: goes away. So you would have heard about our producer, Emma.
• 42:39
  Speaker 2: But then we also have Sam, who is our audio engineer,
• 42:42
  Speaker 2: and Sam likes to keep track of us and maybe
• 42:45
  Speaker 2: just keep us a little bit humble. So every year
• 42:48
  Speaker 2: Sam collects little audio clips and files them away to
• 42:51
  Speaker 2: humble us at the end, and none of us have
• 42:55
  Speaker 2: heard this bloop is real yet because Emma Gate keeps
• 42:58
  Speaker 2: it until we start recording live let's just jump in.
• 43:02
  Speaker 2: What's Sam going to roast us about this year?
• 43:06
  Speaker 3: Let's do it.
• 43:06
  Speaker 9: It's been a big year as she's on the money,
• 43:10
  Speaker 9: and it would be remiss of me if I didn't
• 43:12
  Speaker 9: give you a look behind the scenes of the show.
• 43:15
  Speaker 9: Oh sorry, not remiss. How do you say, Victoria?
• 43:18
  Speaker 3: And I think it would be a miss if me
• 43:20
  Speaker 3: not to mention that.
• 43:21
  Speaker 9: Honestly, I feel bad if I'd let Victoria know she
• 43:24
  Speaker 9: was getting sayings wrong earlier in the year, we'd have
• 43:26
  Speaker 9: been able to nip this in the bud or but according.
• 43:31
  Speaker 2: To v you need to nip that in the butt.
• 43:33
  Speaker 2: It's also up to management to nip.
• 43:34
  Speaker 6: That in the butt.
• 43:35
  Speaker 3: Now.
• 43:35
  Speaker 9: This year we started full video episodes for Wednesday Deep Dives.
• 43:39
  Speaker 9: Why haven't we done this for the Friday A ms, Well,
• 43:42
  Speaker 9: it's mostly so that girls can record audio and do
• 43:45
  Speaker 9: other important things at the same time, like apply cutical oil.
• 43:50
  Speaker 3: Has anyone ever said sorry, sorry before.
• 44:05
  Speaker 9: I keep talking?
• 44:06
  Speaker 3: Okay, sorry, oh sorry, okay, we were doing it on
• 44:11
  Speaker 3: the slot.
• 44:12
  Speaker 9: I've always known Beck was the chill one of the group,
• 44:15
  Speaker 9: but this year she was almost as chill as a
• 44:17
  Speaker 9: certain turtle from finding.
• 44:19
  Speaker 4: Neba totally totally, totally, totally, totally, totally, totally, totally totally.
• 44:25
  Speaker 9: And while Victoria's Spotify wrapped may say otherwise, this year,
• 44:30
  Speaker 9: revealed that her favorite band is no doubt.
• 44:33
  Speaker 2: I'm just a girl. I'm just a girl. I'm just
• 44:35
  Speaker 2: a girl.
• 44:38
  Speaker 9: Happy holidays everyone, and have a grete twenty twenty six.
• 44:47
  Speaker 3: Oh he went nice was.
• 44:51
  Speaker 4: Not as bad as it could have been, Thanks Sam,
• 44:54
  Speaker 4: but also totally Oh my god, I need to be
• 44:58
  Speaker 4: so conscious of that.
• 44:59
  Speaker 3: No, I love.
• 45:00
  Speaker 6: What I'm getting is you're pretty perfect.
• 45:02
  Speaker 3: Yeah, you know what I mean?
• 45:04
  Speaker 2: How much should you face ham to get out of
• 45:06
  Speaker 2: the blood between me and him? I'm just a girl.
• 45:09
  Speaker 2: Oh well, I feel like that is a great place
• 45:13
  Speaker 2: to wrap this show up totally.
• 45:16
  Speaker 3: It has been a.
• 45:17
  Speaker 2: Beautiful year and I cannot wait to dive into twenty
• 45:20
  Speaker 2: twenty six with you all. We have so many exciting
• 45:23
  Speaker 2: things coming up with what a summer series so that
• 45:25
  Speaker 2: you don't miss a single thing and you get to
• 45:26
  Speaker 2: start on the absolute right foot, and just so much
• 45:29
  Speaker 2: investing content, so much budget and cash flow content, just
• 45:32
  Speaker 2: so many fun announcements coming in twenty twenty six. I
• 45:35
  Speaker 2: can't wait.
• 45:37
  Speaker 3: Have you guys, ladies, Bye bye, Bye.
• 45:48
  Speaker 7: Did buy shared on She's on the Money is general
• 45:50
  Speaker 7: in nature and does not consider your individual circumstances.
• 45:54
  Speaker 1: She's on the.
• 45:54
  Speaker 7: Money exists purely for educational purposes and should not be
• 45:58
  Speaker 7: relied upon to make an investment financial decision. If you
• 46:01
  Speaker 7: do choose to buy a financial product, read the PDS
• 46:04
  Speaker 7: TMD and obtain appropriate financial advice.
• 46:07
  Speaker 2: Tailored towards your needs.
• 46:09
  Speaker 7: Victoria Divine and Sheese on the Money are authorized representatives
• 46:13
  Speaker 7: of Money sherper P t y lt D A b.
• 46:15
  Speaker 2: N three two one six four nine two seven seven
• 46:19
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