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Love Runs Hot...Or Cold! · She's On The Money

0:00
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Yr
0:04
Speaker 1: the Order Kerney Whalbury and a waddery woman. And before
0:08
Speaker 1: we get started on She's on the Money podcast, I
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Speaker 1: would like to acknowledge the traditional custodians of the land
0:14
Speaker 1: of which this podcast is recorded on a wondery country,
0:18
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
0:22
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
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Speaker 1: and the storytelling of you to make a difference for
0:30
Speaker 1: today and lasting impact for tomorrow.
0:33
Speaker 2: Let's get into it.
0:34
Speaker 3: She's on the Money, She's on the Money.
0:57
Speaker 4: Hello, and welcome to She's on the Money, the podcast
1:01
Speaker 4: Millennials who want financial freedom.
1:03
Speaker 2: Today, my friends, it is Friday, which.
1:05
Speaker 4: Means it is time to get my little team together
1:07
Speaker 4: and celebrate you ow incredible. She's on the Money community. Today,
1:11
Speaker 4: we're going to be sharing our favorite money wins with
1:13
Speaker 4: Miss Jess Chi. Miss bech say Ed is back for
1:17
Speaker 4: some broque tips. We're going to be helping to answer
1:19
Speaker 4: a juicy money dilemma, which this week is all about
1:23
Speaker 4: buying in bulk.
1:24
Speaker 2: Which I feel like Jess is going to be.
1:27
Speaker 4: And we're going to be unpacking something that you slid
1:29
Speaker 4: into our DMS about this week, we're talking about relationship equity.
1:34
Speaker 4: So to kick off this episode, my friends, Beck, Yes,
1:38
Speaker 4: you went present last week, so you get to go first.
1:41
Speaker 2: How have your last two weeks been? Well? Yeah, I
1:44
Speaker 2: really hope my shoulder and it's like the whole back
1:48
Speaker 2: of the head and back of the shoulder. But I
1:51
Speaker 2: feel so much better now. But the last few weeks
1:53
Speaker 2: have been good. It was my birthday, thank you so much,
1:57
Speaker 2: cancer queen, actually thirtieth of July. Yeah, right on the
2:06
Speaker 2: close to I didn't have to share my star signs.
2:08
Speaker 2: So that's okay. Oh, true, that would have been strange
2:12
Speaker 2: to cancers in the one yeah studio. No, it would
2:15
Speaker 2: have worked. It would have worked.
2:16
Speaker 5: There are literally to cancer the cancer.
2:21
Speaker 2: Yeah, your cancer is our producer of cancer. No, she's
2:25
Speaker 2: on the cusp? Are you want the cusp? June seven eight?
2:31
Speaker 2: Very much, very much a Gemini, I see we're all
2:34
Speaker 2: very close.
2:36
Speaker 4: Oh.
2:38
Speaker 2: I don't know what that means, but it sounds.
2:40
Speaker 5: I just know that I'm the cancer, and I just
2:42
Speaker 5: know that makes us emotional, which checks out, which story
2:44
Speaker 5: checks out because his cry oh that's so sweet.
2:48
Speaker 4: It's not it's not bad Barbie movie tears. Oh god,
2:53
Speaker 4: food that tastes really good, tears like just you can't
2:57
Speaker 4: stop it.
2:57
Speaker 2: I love that. I feel like crying is one of
2:59
Speaker 2: the my favorite activities. So, you know, absolutely depressing. What
3:04
Speaker 2: did you do for your birthday? Oh birthday? I had
3:07
Speaker 2: a little party, A little party, A little party at
3:10
Speaker 2: a pub, one of my favorite pubs. Eighties for anyone listening,
3:12
Speaker 2: maybe if you maybe no.
3:13
Speaker 5: Eighties the thing a few weeks ago I did, I mention.
3:16
Speaker 2: I eight free so water. That's exactly That's exactly why
3:22
Speaker 2: I go there. That's how you start a party. That's
3:25
Speaker 2: exactly right my birthday. Surely people are buying. Oh, I know,
3:30
Speaker 2: I really should have taken it. I was shocked by
3:31
Speaker 2: how many people offered me a drink. Well, my drink
3:33
Speaker 2: doesn't cost any money, so this is really really a shame.
3:36
Speaker 2: But it was really good. It is a really good
3:38
Speaker 2: A couple of weeks and I went a couple of
3:40
Speaker 2: dates with someone, which is and then yeah, well, you know,
3:44
Speaker 2: who knows that we might get married and maybe maybe
3:47
Speaker 2: we won't, but start looking likely that we're going to
3:49
Speaker 2: get married and have children. Love. Yeah, you know, you
3:53
Speaker 2: just go I'm really manifesting. Yeah, that's just going to
3:56
Speaker 2: you hole it. Just in case she's listening, I'm I
3:58
Speaker 2: promise I'm joking. Also, no one knows who I'm talking about.
4:01
Speaker 2: So anyway, do we do because we was cute? Definitely?
4:04
Speaker 2: Do I like your instagram? Is she good enough for
4:07
Speaker 2: our back?
4:09
Speaker 4: My good enough?
4:10
Speaker 2: Anyway? Onto The question is not are you good enough?
4:13
Speaker 2: Are they good enough for you? What can you do
4:16
Speaker 2: for me? Is the question? I mean that's not what
4:19
Speaker 2: I was getting. Did you go on any dates this week?
4:24
Speaker 2: I didn't, sadly, I mean, you're in a long term relationship.
4:30
Speaker 2: That's cute.
4:31
Speaker 5: We cooked Moley spin together. I was like, as a day,
4:34
Speaker 5: my week was good. My car is currently at the
4:37
Speaker 5: mechanic extremely overdrew, so everyone, I just have a bad
4:45
Speaker 5: feeling about it.
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Speaker 4: But do you have a bad feeling about it because
4:48
Speaker 4: of what I did with my car last week?
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Speaker 2: Is that? Yeah?
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Speaker 5: That's actually what made me check miney because mine is
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Speaker 5: about six months over jew and then your car corked
4:57
Speaker 5: it and I was like, oh what.
4:59
Speaker 4: Haven't you so long story short, I took my car
5:03
Speaker 4: to the mechanic and it was just for a scheduled service.
5:06
Speaker 4: I thought I was doing the Lord's work by doing
5:09
Speaker 4: it on time, and I drop it off and they said,
5:11
Speaker 4: oh v this is wrong, this is wrong, and this
5:14
Speaker 4: is wrong. And it was our like the car that
5:17
Speaker 4: my husband and I share, so he mainly drives it.
5:20
Speaker 4: I drive it sometimes if I'm like picking up Jessica
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Speaker 4: and need to impress her and take my dog somewhere.
5:25
Speaker 4: And they told me that the battery needed fixing. But
5:28
Speaker 4: it's like some fancy type of battery. Anyone listening is
5:31
Speaker 4: going to be like, Victoria, you're so daft, and I'll
5:33
Speaker 4: be like, yes, I am sorry, but it's like this
5:36
Speaker 4: fancy battery that like there's a battery under the seat
5:38
Speaker 4: as well as in the hood. And so they quoted
5:41
Speaker 4: me like a ridiculous amount to fix it, and I
5:43
Speaker 4: was like, I'm going to get a second opinion. And
5:47
Speaker 4: what they say, they said, you can go get a
5:50
Speaker 4: second opinion.
5:51
Speaker 2: That's so fine.
5:52
Speaker 4: This is just like a really expensive battery to replace
5:54
Speaker 4: across the board, like we haven't really added much labor.
5:57
Speaker 2: And I'm sitting there being.
5:58
Speaker 4: Like yeah, sure, yeah, sure, no worries, and they're like,
6:02
Speaker 4: just be aware that the battery will work today, but
6:04
Speaker 4: when we tested it, it's like got failed cells in
6:07
Speaker 4: it or whatever that means, and it could just not
6:10
Speaker 4: work at any time, right, trying to scare me.
6:15
Speaker 2: The next week, Jessica, what happened?
6:17
Speaker 5: Car didn't work, cutting work, in fact, did not work
6:20
Speaker 5: at any given time, exactly like.
6:24
Speaker 2: What they said. And when I got second opinions, Beck,
6:27
Speaker 2: you know what happened?
6:28
Speaker 4: More expensive everywhere else because I wanted to charge labor
6:31
Speaker 4: as well.
6:31
Speaker 2: I see, so I should have just done it the
6:33
Speaker 2: first time. She's too late to go back and ask
6:36
Speaker 2: for the exact same quote.
6:37
Speaker 4: Thankfully, I have fostered a great relationship with the mechanic
6:40
Speaker 4: and I text him and I said himitch in a
6:43
Speaker 4: twist of fate that you saw coming no longer starts,
6:48
Speaker 4: and he said, just drop it in and fixed today.
6:51
Speaker 4: I said, that is very kind of you.
6:53
Speaker 2: Thank you, Sorry for calling you a liar and a thief.
6:57
Speaker 2: And I'm back, I did.
7:01
Speaker 4: Car services are so expensive, and you know when they
7:03
Speaker 4: come back with like all these additional things, I'm like,
7:06
Speaker 4: are you looking at me? Going You're a silly little
7:09
Speaker 4: white girl who doesn't know anything about anything? And I
7:13
Speaker 4: don't know I don't know anything about anything.
7:17
Speaker 2: How we got in trouble right.
7:19
Speaker 5: It was very funny though, because I drove because obviously
7:21
Speaker 5: you needed to get back home, so I drove with
7:23
Speaker 5: you there and bribed her.
7:25
Speaker 2: We did do a macis running the way home.
7:26
Speaker 4: I said, if you drop me at the mechanics, oh,
7:30
Speaker 4: buy you a happy meal?
7:32
Speaker 2: Oh that's nice, and I said immediately yes obviously of course.
7:34
Speaker 2: Did you get a Griomas shake?
7:36
Speaker 5: No?
7:36
Speaker 2: Sorry, continued, what's a Grimmer's shake? Have you guys? This
7:42
Speaker 2: thing on? TI took right, but I don't really know. Yes,
7:45
Speaker 2: it is that purple like shake. Oh vile? Absolutely not.
7:48
Speaker 2: Do they have that here? I have no idea. Jesse
7:50
Speaker 2: gets six nuggets, six nuggets because I had a toy. Yeah,
7:54
Speaker 2: we have the to toy. Silly. Absolutely. Have you ever
7:57
Speaker 2: seen a person with a happy meal not being happy?
8:00
Speaker 2: H a single person? Actually, that's what I think of it.
8:03
Speaker 5: Yeah, to wrap it up, the mechanic said that that
8:05
Speaker 5: was the equivalent of a walk of shame.
8:08
Speaker 4: I'm walking in and he's like it beat sassy, like
8:12
Speaker 4: in a funny way.
8:13
Speaker 2: He was a nice guy, so he wasn't being rude.
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Speaker 4: He's like, just you know this is the equivalent of
8:17
Speaker 4: a walk of shame, and I was like, thank you,
8:20
Speaker 4: kind sir.
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Speaker 5: I'm going to call it him money win though, because
8:22
Speaker 5: he didn't charge you anymore even though you did infaction.
8:25
Speaker 2: I listen to him the first time.
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Speaker 4: Yeah, I think I think he now knows he's got
8:29
Speaker 4: a client for life. Yeah, because I was kind of like,
8:32
Speaker 4: thanks for looking.
8:33
Speaker 2: After me, but your entire life. I owe him every
8:37
Speaker 2: car service into eternity. Yes, sorry, you'll say something. You're
8:41
Speaker 2: carving all right the shop.
8:46
Speaker 4: Sorry, I hope and prayers are going out to Jessica
8:49
Speaker 4: that her car doesn't end up like my car, and
8:52
Speaker 4: if it does, she just takes the advice.
8:54
Speaker 2: Yeah, you'll be listening to my mechanic.
8:56
Speaker 4: Yeah, don't do what Victoria did. But do you know
8:59
Speaker 4: what we should get into is the community money wins.
9:01
Speaker 4: Mister Scricci, what have you round up for us this week?
9:04
Speaker 5: My first money in this week comes from Lucy, who
9:07
Speaker 5: said money win sort of. I'm no longer living pay
9:10
Speaker 5: to pay. I have plenty left over each fortnight, even
9:13
Speaker 5: after putting away savings and some investing. After living as
9:16
Speaker 5: a single mum for ten years. This is a massive
9:18
Speaker 5: thing for me. Financial stress has had a huge impact
9:22
Speaker 5: on my mental health. Love and over one hundred people
9:25
Speaker 5: were liking and commenting on that, and I was just
9:27
Speaker 5: loving seeing people get behind her. Good on you, Lucy.
9:30
Speaker 5: My next money win comes from Ashley, who said, to
9:33
Speaker 5: prove a point to my friends, I just calculated the
9:35
Speaker 5: cost benefit of my health insurance premiums for extras is
9:38
Speaker 5: eight hundred and forty three dollars seventy per year. However,
9:40
Speaker 5: I can claim up to thirty four hundred dollars every year.
9:43
Speaker 5: I max out several of the categories, meaning I use
9:45
Speaker 5: a maximum of seventeen fifty. This doesn't factor in how
9:48
Speaker 5: much I save on the Medicare Levey surcharge as well.
9:50
Speaker 5: I knew my health insurance was worth it because I
9:52
Speaker 5: use it a lot, but I'd never crunch the numbers.
9:55
Speaker 5: And I just love the idea of someone running the
9:56
Speaker 5: mass like it's not going to be the same, but
9:58
Speaker 5: everyone it's going to depend on what you use and
9:59
Speaker 5: what you need.
10:00
Speaker 2: I also love that it was like because she wanted yeah, yeah,
10:03
Speaker 2: I took.
10:05
Speaker 4: I was like, that's why I calculate things too, Actually,
10:08
Speaker 4: you are our people.
10:09
Speaker 5: My next money win comes from Anthea, who said My
10:12
Speaker 5: money win this week is I simply talked to my
10:14
Speaker 5: husband out of going out for brunch on Sunday money loss.
10:17
Speaker 5: I forgot my lunch, so I'm currently waiting for my
10:18
Speaker 5: boat lunch to be warmed up.
10:21
Speaker 2: But we won't telling him that.
10:22
Speaker 1: I know.
10:24
Speaker 4: Between two hundred and fifty on the money community members
10:28
Speaker 4: and you they have now the field.
10:30
Speaker 5: Next, I've got a money in from Lauren who said
10:32
Speaker 5: I got a rain check. I've never done it before,
10:35
Speaker 5: but I was in Calls and my preferred washing powder
10:37
Speaker 5: was out of stock and on sale for fifty percent off.
10:40
Speaker 5: I asked a staff member who was stacking the shelves
10:42
Speaker 5: nearby if they had more out the back or elsewhere
10:44
Speaker 5: in the store, and she scanned it and said they
10:46
Speaker 5: didn't have any and to go to the front desk
10:48
Speaker 5: for a rain check. So now I have a rain
10:50
Speaker 5: check in my wallet for two boxes of washing powder
10:52
Speaker 5: fifty percent off for next time. What And I wonder
10:55
Speaker 5: if split that and do like one f and then
10:58
Speaker 5: hold on that rain check.
11:00
Speaker 2: Yeah, that could be a money.
11:03
Speaker 5: I was intending on buying five and then just spread
11:05
Speaker 5: it out for the next half of many months.
11:07
Speaker 2: Oh, that's such a good idea.
11:08
Speaker 5: I don't know if that works or not. Someone let
11:10
Speaker 5: us know it's worth the crack. My next money wind
11:12
Speaker 5: comes from Juliet, who said money win. I won a
11:15
Speaker 5: v cap case and I'm getting back a total of
11:17
Speaker 5: two thousand, five hundred.
11:18
Speaker 2: And four dollars from my landlord, Spicy. We'll love to
11:21
Speaker 2: see it. Please no fighting in the comment.
11:26
Speaker 4: Please no fighting in the comments, but also please slide
11:29
Speaker 4: into our DMS and let us know why.
11:31
Speaker 2: Because we need the date, We need the juice. Do
11:34
Speaker 2: you want? We need to know what you guys want
11:36
Speaker 2: to be shaking for that tea? She's ready.
11:39
Speaker 5: And lastly, I have a money lost from simone, which
11:42
Speaker 5: I thought might play into what we're chatting about a
11:44
Speaker 5: little bit later, she said money loss. My partner turns
11:47
Speaker 5: the heat around in our bedroom each morning before going
11:50
Speaker 5: to work. Past three work days, he's left it on
11:53
Speaker 5: all day, so it's boiling when I get home, and
11:55
Speaker 5: our electricity provider is loving it, but my wallet not
11:58
Speaker 5: so much. Yes, I'm going to hide the remote on
12:00
Speaker 5: him so he can no longer use it.
12:03
Speaker 2: We've all been there. We've all been there. Do you
12:06
Speaker 2: hide things in your house from your partner? Jessica.
12:09
Speaker 5: He has a tendency to open multiple Natala's at once,
12:12
Speaker 5: So if he's running low on Natalla and I buy
12:14
Speaker 5: a new one, I hide the new one until the
12:15
Speaker 5: old one's finished because it drives me nuts like it
12:18
Speaker 5: is like it is, so I have to open at
12:21
Speaker 5: the same time to open in our pantry currently, And
12:24
Speaker 5: I like, why do.
12:25
Speaker 2: You keep buying Ntella?
12:27
Speaker 5: I don't know, he doesn't want he goes to the
12:29
Speaker 5: grocery store.
12:29
Speaker 2: But anyway, absolutely not. So that was so fun of
12:32
Speaker 2: mine for you that before.
12:34
Speaker 5: Yesterday you see me getting angry.
12:39
Speaker 2: This is what you've got.
12:40
Speaker 4: If this is exactly what you've got to look forward
12:42
Speaker 4: to back in your long term relationship that you're getting,
12:45
Speaker 4: I'm very yes, seriously, we have ice cube tray fights,
12:53
Speaker 4: so yeah, not feeling it up. Don't if you're gonna
12:56
Speaker 4: use the ice but you have another ice specially I know.
13:00
Speaker 4: But the ice cubes are bigger than this. Look different
13:03
Speaker 4: ice cubes of different situations.
13:05
Speaker 2: Yes, sure, yeah, wow.
13:07
Speaker 5: But if you get to use the ice tribes, yeah,
13:10
Speaker 5: you fill them out. Oh absolutely, they're the rules unless
13:12
Speaker 5: you're a guest, in which case you don't need to.
13:14
Speaker 5: You can just help yourself. But is my husband and
13:16
Speaker 5: guest in this house.
13:17
Speaker 2: Absolutely not. He pays half the mortgage, so absolutely not.
13:21
Speaker 2: This is your house to fill up the ice. Let's
13:23
Speaker 2: move on.
13:23
Speaker 4: I want to know your break tips before Jess and
13:25
Speaker 4: I write on our partners.
13:26
Speaker 2: Well, funny you say, Jess about the coal thing. Oh,
13:31
Speaker 2: because a few people actually sent me that that wasn't
13:33
Speaker 2: actually going to be mentioned this week. But since you
13:35
Speaker 2: mentioned it, I'm going to say that that's actually a
13:38
Speaker 2: really really good break tip. If yeah, if something runs out,
13:41
Speaker 2: then you can I don't know, do you go to
13:42
Speaker 2: the front at in front of the store and you
13:44
Speaker 2: sa tell them to give you a little voucher? Can
13:46
Speaker 2: you give you a little vucher? That's something I want
13:48
Speaker 2: to know. If you can do like twenty in one go.
13:50
Speaker 4: You recom there, it's a timeline on it, like with
13:52
Speaker 4: your little voucher that has to be redeemed before xby
13:55
Speaker 4: zed even if you.
13:56
Speaker 2: Do have to redeem them more ones. If you have
13:57
Speaker 2: the money, then you have like a bowl. This is
14:03
Speaker 2: such a weird coincidence. Circular circular.
14:07
Speaker 4: We were talking about ntella and ice cubes, which does
14:10
Speaker 4: lead to relationship equity.
14:12
Speaker 2: But we'll get to that later. Yes's true. So my
14:14
Speaker 2: first breake tip for this week comes from Grace has
14:17
Speaker 2: said that when she was super poor, she would steam
14:19
Speaker 2: a sugar a sugar part of rice than by the
14:25
Speaker 2: continental copper soups, continental cup of soup when they were
14:28
Speaker 2: half price, and then she would heat them all together
14:32
Speaker 2: and a container, add a cup of soup on top,
14:33
Speaker 2: and that would be her version of a poor person's rosotto.
14:37
Speaker 2: Does that sound like it makes sense to you, guys?
14:39
Speaker 2: Maybe it made absolutely no sense.
14:41
Speaker 4: So you see how she pre cooks the rice rosotto
14:45
Speaker 4: out of them with a cup of soup exactly. Okay,
14:47
Speaker 4: So it's a quote unquote poor persons rosotto, which sounds
14:52
Speaker 4: to me absolutely delicious. So I think that you need
14:56
Speaker 4: to hack it a bit more, though, Grace, because I
14:59
Speaker 4: would want to cook the.
15:01
Speaker 5: Rice in the soup mix so that like the flavors were.
15:06
Speaker 2: Whiskey whisk around, but you would have to boil the
15:09
Speaker 2: rice first so that it doesn't dilute what flavor. So
15:14
Speaker 2: you cook the rice and then you add your steamed
15:17
Speaker 2: cup of soup inside the rice, so now it's just
15:22
Speaker 2: soup with rice. Grace, if you're listening to this, I
15:26
Speaker 2: am so excited to try this. I'll report back for sure,
15:32
Speaker 2: and you can use as little or as much liquid
15:34
Speaker 2: as you like. It's up to you. I think that's
15:36
Speaker 2: my on sale cup of soup dirt cheap.
15:38
Speaker 4: And do you know what you're not going to put
15:40
Speaker 4: on your rice? Because I saw it at the supermarket
15:42
Speaker 4: this week, bag of shredded cheese eleven dollars.
15:47
Speaker 5: I saw a TikTok chips were two for eleven and
15:50
Speaker 5: literally two bags of chips for eleven dollars, and they like.
15:53
Speaker 4: I don't care what size that is. That is the
15:55
Speaker 4: use feavery for five? Absolutely not the popcorns two for five?
15:59
Speaker 4: Is it steal two for five on popcorn?
16:01
Speaker 2: No idea.
16:02
Speaker 4: We've got to we've got to look into this. But
16:04
Speaker 4: we're not putting cheese on Arizona anymore. Boy, cheese eleven
16:08
Speaker 4: dollars a bag of straighted cheese absolutely not crazy. You're
16:11
Speaker 4: going vegan, We're gonna follow in your footsteps.
16:13
Speaker 2: Thing, It's gonna be great. Maybe that's a good break tip.
16:16
Speaker 2: Maybe that is a good breaked vegan. So the next
16:20
Speaker 2: one comes from Sabrina, who suggests that and this is
16:22
Speaker 2: a very real reality for a lot of people if
16:25
Speaker 2: you do not have an iron in your home, if
16:28
Speaker 2: you can't afford an iron, you don't want to, you
16:29
Speaker 2: don't have room for an iron, you've lived in a
16:31
Speaker 2: small house. I think some people can relate out there.
16:34
Speaker 1: I don't.
16:34
Speaker 2: I certainly can, just wouldn't ever use an iron iron.
16:37
Speaker 2: I don't know an iron either, and there have been
16:39
Speaker 2: times where literally couldn't fit one or afford one. Yep.
16:44
Speaker 2: Fair So she has said that what you can do
16:46
Speaker 2: is if you have a hot shower, you pop your
16:48
Speaker 2: clothes in the hot shower, but not in shower, in
16:50
Speaker 2: the water in the bathroom. In the time, steam will
16:54
Speaker 2: get rid of the wrinkles, just like a commercial steamer
16:56
Speaker 2: used in shops. So yet you say power, ridge, space
17:00
Speaker 2: and dollars to buy the iron slash ironing board, which
17:03
Speaker 2: is a great idea something I use. And this is
17:05
Speaker 2: also if you actually do have access to a hair dryer,
17:08
Speaker 2: hair dry we'll use the hair dryer too as well. Yeah,
17:10
Speaker 2: what do you use, Jess?
17:11
Speaker 5: I have a steamer because I worked retail, So I
17:14
Speaker 5: just I can't like. Once I use the steamer, I
17:16
Speaker 5: was like, my life has changed forever, and so I
17:18
Speaker 5: never go back. But I like VD taught me this one.
17:20
Speaker 5: If you when you wash certain fabrics, like a lot
17:23
Speaker 5: of natural fabrics, particularly after you wash it, give it
17:26
Speaker 5: a once.
17:29
Speaker 2: You got to shake it out.
17:30
Speaker 5: Shake because they come out of the wash really wrinkly.
17:33
Speaker 5: But you can actually if you shake it out before
17:35
Speaker 5: you hang it, it dries significantly less wrinkled.
17:38
Speaker 4: Yeah, Like I like real tug on the collars of
17:41
Speaker 4: things to like flatten them out before they dry.
17:45
Speaker 2: Yeah, and it works. That's a great So maybe you
17:47
Speaker 2: pair that with the shower and you get air and
17:49
Speaker 2: you've got yourself shirt. You absolutely don't even need it.
17:54
Speaker 4: No, great tip, Thank you, Sabrina.
17:58
Speaker 2: I love that. I love that great And then all
18:01
Speaker 2: you've got what's yours? That's from the community. My personal
18:04
Speaker 2: break tip is, I know I know exactly what it is.
18:08
Speaker 2: I think you know what it is.
18:09
Speaker 4: I know exactly, but you may or may not have
18:11
Speaker 4: seen me eating this What do you mean, may or
18:12
Speaker 4: may not have it all over?
18:15
Speaker 2: And I haven't actually had shorts. Yeah, I didn't realize.
18:19
Speaker 2: It's like, oh you might have noticed. It was hard
18:21
Speaker 2: not to. So what I do is I buy myself
18:25
Speaker 2: like a either you can make spaghetti or you can
18:27
Speaker 2: buy a spaghetti, whatever you want to do. And then
18:29
Speaker 2: if you want like a really cheap version of garlic bread,
18:32
Speaker 2: cheap that will last you a long time, maybe the
18:35
Speaker 2: whole week, maybe two weeks. A loaf of bread. I
18:38
Speaker 2: love my loads of bread. In this segment, Syle and aliaway,
18:46
Speaker 2: is that what they do.
18:48
Speaker 5: So they used to make I don't know if they
18:49
Speaker 5: used to do. Used to have to get cheesy garlic
18:51
Speaker 5: bread at Subway when I worked retail and I was poor,
18:54
Speaker 5: because they did a special. It's like two dollars for
18:55
Speaker 5: a cheesey garlic bread and it would be like the
18:57
Speaker 5: subway roll cut in half and they put like the garlicoli,
19:00
Speaker 5: sauce and cheese on.
19:01
Speaker 2: Topo that sounds really really good.
19:04
Speaker 5: Eleven dollar cheese not so much, but aoli true and
19:07
Speaker 5: you just like you toast the bread, don't even need
19:09
Speaker 5: to put butter or anything, and you get really facts
19:11
Speaker 5: from the mayo.
19:12
Speaker 2: Totally cheap aoli, the cheapest one you can find, the
19:16
Speaker 2: cheapest bread you can find. Toast the bread, chuck the
19:19
Speaker 2: aoli on. You've put yourself.
19:20
Speaker 4: Garlic bread, yeah, just before, and to make it even
19:24
Speaker 4: cheaper today?
19:25
Speaker 2: Did you even pay for the bread today? No, I
19:27
Speaker 2: didn't stole it from the kitchen. Kitchen stunning. That's so good.
19:31
Speaker 5: Cheap lunch that isn't stealing when it's meant for everybody
19:34
Speaker 5: into communal kitchen.
19:35
Speaker 2: Communal.
19:36
Speaker 4: It feels better when you say it's stolen.
19:38
Speaker 2: It does there's something more? Stole it from the kitchen? Yeah,
19:42
Speaker 2: that's it's a bit satisfying. Yeah, steal it, but money weird?
19:46
Speaker 2: That's that for this week.
19:47
Speaker 4: I would never have thought to make garlic bread with aoli,
19:51
Speaker 4: but I can see how it would work when you
19:53
Speaker 4: are out of options and.
19:55
Speaker 2: Or you've worked at subway, it seems, or you've worked
19:57
Speaker 2: at Subway. Yes, it turns out it's not so broke
20:00
Speaker 2: after all. I love it. But good tip, good tip.
20:02
Speaker 4: All right, let's go to a really quick break and
20:04
Speaker 4: on the flip side, we're going to be talking about
20:06
Speaker 4: one of Jess Richie's favorite tips, and that's bulk buying.
20:09
Speaker 4: The second thing we're going to talk about is something
20:11
Speaker 4: that you slid into our DMS about which we're going
20:13
Speaker 4: to be speaking all about relationship equity this week, So guys,
20:17
Speaker 4: do not go anywhere.
20:23
Speaker 2: Welcome back, everybody. Let's talk about this week's money dilemma. Hi, there,
20:28
Speaker 2: have you got a.
20:29
Speaker 4: Money dilemma you just can't solve. The Sheese on the
20:31
Speaker 4: Money team is here to help. Every week, we tackle
20:35
Speaker 4: your dilemmas, both big and small, to answer your most
20:37
Speaker 4: burning money.
20:38
Speaker 2: Career and life questions.
20:40
Speaker 4: To get involved, simply head to our website and leave
20:42
Speaker 4: us a short voice recording and you might just find
20:44
Speaker 4: yourself on the show. Now, let's take a listen to
20:47
Speaker 4: this week's money dilemma.
20:52
Speaker 3: Hi, ladies. My question is in regards to buying things
20:57
Speaker 3: in bulk. So there's a lot of products that I
20:59
Speaker 3: really enjoy, and a lot of them it's much much
21:03
Speaker 3: cheaper to buy several or a ten pac or something
21:07
Speaker 3: like that, and I know that I'm going to use them,
21:10
Speaker 3: but they are things that take a while to use,
21:13
Speaker 3: like bars of soap and stuff like that, and you
21:16
Speaker 3: don't really need to have twny bars of soap in
21:19
Speaker 3: your cupboard. So I'm just asking how to resist the
21:23
Speaker 3: urge to buy things in bulk and should I be
21:26
Speaker 3: buying them in bulk? Yeah? Thank you.
21:29
Speaker 2: That is such a wholesome, funny question. I think it is.
21:32
Speaker 4: I mean, if you're planning for an apocalypse twenty bars
21:34
Speaker 4: of soap might actually be very necessary.
21:37
Speaker 5: If you want to feel better about yourself, watch Extreme
21:40
Speaker 5: couponas because you'll be like, oh, I'm really not buying
21:42
Speaker 5: in bulk if I'm buying my soap.
21:44
Speaker 2: I cannot stand that show.
21:48
Speaker 4: Oh I love watching it, but I just feel like
21:52
Speaker 4: there are so many people in need in the world,
21:54
Speaker 4: and then there are these people who are.
21:56
Speaker 2: Just stock piling, Like what do you need detgent?
22:01
Speaker 5: Donate?
22:02
Speaker 4: Or they why have you got an entire pantry in
22:06
Speaker 4: your house with stockpiles of things and full stock rotation systems.
22:11
Speaker 2: In place for them? Sure, Like, I don't know.
22:15
Speaker 4: I get that you might donate things, but if you're
22:18
Speaker 4: on extreme coupons, you're not donating that much because you
22:20
Speaker 4: have a stockpile room at your own house.
22:23
Speaker 2: I don't know. It's a good point fee, But in
22:26
Speaker 2: this that's not what this is about.
22:27
Speaker 4: This it's about buying in bulk and not needing twenty
22:30
Speaker 4: bars of soap under your sink.
22:32
Speaker 2: Jessica, do you buy many things in bulk?
22:36
Speaker 5: I wouldn't say extreme bulk, No, Like I tend to
22:39
Speaker 5: do if something that I use all the time, like
22:40
Speaker 5: if laundry detergent is half priced. I tend to buy
22:43
Speaker 5: two because I'm like, well, I'm paying what I would
22:45
Speaker 5: pay for one. Like my rule of thumb is I
22:47
Speaker 5: like to have threes of things.
22:50
Speaker 2: Threes of things.
22:51
Speaker 5: I like to have one that's open, backup and a
22:53
Speaker 5: backup of my backup.
22:55
Speaker 2: Is that why there are three open ntellas right now? Well,
22:59
Speaker 2: one of them is open, two of them should be closed.
23:02
Speaker 5: No, but I just for me, it's like, Okay, so
23:04
Speaker 5: I finished one off, then I open a new one,
23:07
Speaker 5: and when that happens, I have one open and one backup,
23:09
Speaker 5: And so I have plenty of time because I don't
23:11
Speaker 5: want to pay full price for it, so I have
23:13
Speaker 5: plenty of time to wait for it to go on
23:14
Speaker 5: sale before I replace my backup back up.
23:19
Speaker 2: There's a lot of bit crazy. I think that's really beautiful. Beck,
23:25
Speaker 2: Do you buy backups? We've all got out little things. No,
23:29
Speaker 2: I don't really, but I know that my mum used
23:32
Speaker 2: to buy in bulk, like if something was on special.
23:34
Speaker 2: It's a clever thing to do. Like if someone something
23:36
Speaker 2: super cheap, you buy like maybe five of them and
23:40
Speaker 2: then you have that cheap for a while.
23:42
Speaker 4: But I think you need to do the maths though, Yeah,
23:44
Speaker 4: maybe I don't because I would really rather not have
23:48
Speaker 4: the clutter and pay that it's a.
23:51
Speaker 2: Luxury to have the space to store the bulk of
23:53
Speaker 2: the totally where do you put it all?
23:55
Speaker 4: Yeah, yeah, that's me, Like if we've run out of it, Jess,
23:58
Speaker 4: there's no more in the house, Like, don't ask me
24:00
Speaker 4: for my backup, there is no backup. It means I
24:03
Speaker 4: have to go to the supermarket. And yeah, I just
24:06
Speaker 4: live my life that way, to be wild on the edge,
24:10
Speaker 4: fit on the edge, especially for someone who has a
24:12
Speaker 4: backup of a backup.
24:13
Speaker 2: Yes, I'm eann nervous a little bit.
24:16
Speaker 4: I could never like, I just don't want clutter in
24:19
Speaker 4: my house. I'm the type of person that just throws
24:21
Speaker 4: things away, like not puts them in the bin. Don't
24:23
Speaker 4: think I'm being wasteful, but I donate stuff if I'm like,
24:26
Speaker 4: I haven't worn this in ages, get it out of
24:28
Speaker 4: my wardrobe, get it out of my life. Like I
24:30
Speaker 4: just don't want junk in my house. I just don't.
24:33
Speaker 5: I feel like it's worth saying for me and our listener.
24:35
Speaker 5: It's things she said that you're going to use, Like
24:38
Speaker 5: I wouldn't have three pairs of the same shoes, you know,
24:41
Speaker 5: I would, Yeah, but I would have.
24:45
Speaker 2: But if it's really nice, I'll buy it twice.
24:48
Speaker 5: If it's nice, bat twice. But things like toilet paper,
24:50
Speaker 5: cleaning supplies, things like that, I tend to have multiples off.
24:54
Speaker 5: I wouldn't call having two or three bulk like having
24:57
Speaker 5: the twenty bars of soap. But I mean, if it's financial,
25:00
Speaker 5: she said, she run the math and it's cheaper for
25:01
Speaker 5: her to buy twenty than to buy however many I
25:05
Speaker 5: know you.
25:05
Speaker 4: Don't need it in your house, but like, if you've
25:07
Speaker 4: got the space, what's the problem with saving some money over.
25:09
Speaker 2: The long term.
25:10
Speaker 4: I don't think it's a problem. I mean it would
25:11
Speaker 4: be a problem if you're buying things that you weren't
25:13
Speaker 4: actively using and just hoarding them. That's a different story completely.
25:18
Speaker 4: Or you know, I don't think soap goes off, but
25:20
Speaker 4: like it went off before you could use it.
25:23
Speaker 5: Yeah, make sure if you're buying in bulk that if
25:25
Speaker 5: it's a perishable item, that you can use it within
25:28
Speaker 5: the timeframe, because there's no point having twenty bars of
25:30
Speaker 5: soap that are cheaper than ten bars of soap if
25:32
Speaker 5: you only use five of them.
25:33
Speaker 2: Yeah.
25:34
Speaker 4: Yeah, I also think it's a really interesting conversation actually
25:37
Speaker 4: that leans into money.
25:39
Speaker 2: Stories quite deeply.
25:40
Speaker 4: Like I grew up in a family where I was
25:43
Speaker 4: quite privileged and we never went without, and I think
25:46
Speaker 4: that might play into my not necessity to have backups
25:50
Speaker 4: and things because I'm like, no, like it's okay, we
25:52
Speaker 4: can go to the supermarket and we can pick it up.
25:54
Speaker 4: Whereas you know, I've got no idea about that side
25:57
Speaker 4: of your money story, Jess, but like I know that
25:59
Speaker 4: you ways lean towards being a little bit more financially
26:02
Speaker 4: secure and making secure decisions, and that kind of makes
26:05
Speaker 4: sense to me that you would lean into always having
26:08
Speaker 4: a backup of something and being way more prepared than me.
26:10
Speaker 4: And then Beck, it makes sense the way that you
26:13
Speaker 4: live your life as well, and that your mum would
26:14
Speaker 4: have bought things in bulk. I think when it comes
26:17
Speaker 4: down to it, the important thing about buying in bulk
26:19
Speaker 4: is that you're not just buying it in bulk because
26:21
Speaker 4: you assume it's cheaper. You've actually done the maths because true,
26:24
Speaker 4: do you know how many times? So historically I went
26:27
Speaker 4: through a phase when I lived with Yes, we've all
26:30
Speaker 4: been through the costco face, but I was doing the maths,
26:33
Speaker 4: and it's sometimes not actually cheaper. You just end up
26:36
Speaker 4: with two bigger bottles of things and it's not that
26:39
Speaker 4: much cheaper, but you assume it is.
26:40
Speaker 5: And it's ludicrous to have to pull out this huge,
26:43
Speaker 5: massive box of corn fakes.
26:46
Speaker 2: My jumbo super mega but corn.
26:48
Speaker 4: One liter bottle of ranch.
26:53
Speaker 5: Yeah, I agree, Like, I think it's not the worst thing.
26:55
Speaker 5: It's working for you, if you've got the space, you're
26:57
Speaker 5: using it all. I don't personally don't see it.
27:00
Speaker 2: I don't see it as a problem either. But maybe
27:02
Speaker 2: you've done the mass yeah.
27:03
Speaker 4: And you've actually looked at it and been like, no,
27:05
Speaker 4: this is something I use and it makes sense. I
27:08
Speaker 4: actually think that's a smart money decision. I don't think
27:11
Speaker 4: it's a bad thing. I would like to know more,
27:12
Speaker 4: Like I have questions, like more about why you think
27:15
Speaker 4: that might not be productive when it's clearly not the
27:17
Speaker 4: worst idea ever.
27:18
Speaker 5: I don't know, as long as it's not financially putting
27:20
Speaker 5: you out either, like if you're paying the larger amount
27:23
Speaker 5: for the bulk, like if you can afford it. Agreed,
27:25
Speaker 5: Life Queen, Live, Lead, Love, Love, I usually love more.
27:32
Speaker 4: On the same page. Yeah, let's jump into our community dilemma.
27:36
Speaker 4: So this week we're going to unpack something that you
27:38
Speaker 4: slid into our DMS about. And this is the DM
27:41
Speaker 4: that we received this week that we have chosen to
27:44
Speaker 4: dissect on the podcast.
27:45
Speaker 2: Are you guys ready, Yeah?
27:46
Speaker 3: Ready?
27:47
Speaker 2: Hello? She's on the Money Team.
27:49
Speaker 4: I need advice on the argument that keeps flowing between
27:51
Speaker 4: my girlfriend and I. My girlfriend and I have been
27:54
Speaker 4: in the same sex couple for four years now, and
27:56
Speaker 4: this is our first time living together. I'm on a
27:59
Speaker 4: higher paying job than her, so I contribute more to
28:02
Speaker 4: the bills. She works really hard, but unfortunately her page
28:05
Speaker 4: just isn't amazing. We keep arguing about having the heater
28:09
Speaker 4: on because of course it's cold during winter. I really
28:11
Speaker 4: want to be warm, and she is just super strict
28:14
Speaker 4: on finances at the moment. I already contribute more than her,
28:18
Speaker 4: but she gets upset when I have the heating on
28:20
Speaker 4: because she thinks she won't be able to afford the bills.
28:23
Speaker 4: I understand things are tired, but I value being comfortable.
28:27
Speaker 4: I'm really struggling to find a happy medium in this.
28:31
Speaker 4: Do you feel Jessica is probably not the person to
28:35
Speaker 4: ask in this situation, And I say, that because her
28:38
Speaker 4: heat is set to a warm, warm twenty two or
28:40
Speaker 4: twenty three degrees year round.
28:42
Speaker 2: Yeah, sometimes twenty four twenty four. Jess is card wild.
28:46
Speaker 5: Because it works to me and my partner because we
28:47
Speaker 5: have the same comfort point. Interestingly, though similar to our
28:50
Speaker 5: person we both are at very different earning spot sure,
28:54
Speaker 5: with me being the hiring kind earner.
28:56
Speaker 2: Big dog and a jew familiar. I love that.
29:00
Speaker 5: But to be honest, it's never been an issue for
29:02
Speaker 5: us because we are both comfortable at that temperature point,
29:05
Speaker 5: whereas friends of ours the girlfriend is similar to me
29:09
Speaker 5: once it's toasty all the time, her boyfriend runs hot
29:12
Speaker 5: like he is always warm.
29:13
Speaker 2: There's no way Steve would let me have the heater on.
29:16
Speaker 5: Yeah, And so it's finding a happy medium, I guess.
29:18
Speaker 5: But the bigger thing here, I guess is it just
29:20
Speaker 5: it goes beyond just the comfort of what temperature is
29:23
Speaker 5: ideal for the house, And I guess it plays into
29:24
Speaker 5: the bigger conversation of well, how do you manage it
29:27
Speaker 5: when you're very different earning places?
29:29
Speaker 2: Right, totally totally, I would say. So I'm thinking, what
29:35
Speaker 2: are they I guess we don't really have the information
29:38
Speaker 2: about like what they're contributing to what parts, Like someone
29:41
Speaker 2: pay more rent? Is someone pay more this that? I
29:43
Speaker 2: would say, figure out what your priorities are. Let's say
29:48
Speaker 2: split rent down the middle, for example, half half. When
29:51
Speaker 2: it comes to energy and heating, if you want to
29:54
Speaker 2: be toasty all the time, I run cold. I'm constantly cold.
29:57
Speaker 2: Same I want the heater on constantly, I would be
30:00
Speaker 2: willing to pay extra for energy. I would be like,
30:03
Speaker 2: I'll pay seventy percent and you just pay thirty percent,
30:07
Speaker 2: regardless of what it comes to because I want it
30:10
Speaker 2: hot all the time. I would be comfortable with that.
30:12
Speaker 2: So are there ways like are you maybe spending more
30:15
Speaker 2: on laundry detergent? Are you paying for like the little
30:20
Speaker 2: bits and pieces in the bathroom? Maybe figure out what
30:22
Speaker 2: you're both comfortable actually splitting down the middle and then
30:25
Speaker 2: saying I'm willing in order to be comfortable, I promise
30:29
Speaker 2: I'll pay if it's extra, if it's like really really expensive,
30:32
Speaker 2: I'll pay X amount.
30:34
Speaker 5: I just want to be comfortable, because you don't want
30:36
Speaker 5: to demonize her or punish her for setting her financial
30:39
Speaker 5: boundary either, Like if she's saying my money is really tight,
30:42
Speaker 5: this is something that's really expensive, Like I want to
30:44
Speaker 5: be conscious of it, Like, we don't want to disregard that,
30:46
Speaker 5: because what we preach all the time, right is set
30:48
Speaker 5: your boundaries, talk about what's important to you. So I
30:51
Speaker 5: feel like your solution is, like, is a very practical
30:54
Speaker 5: one really, because you also have the right to be comfortable.
30:56
Speaker 5: Like if James said to me, oh, I want the
30:57
Speaker 5: house to be fifteen degrees, I'd be like, yeah, that
31:00
Speaker 5: is not going to work for me here.
31:03
Speaker 4: I think it's interesting as well because we don't have
31:05
Speaker 4: enough information about when this heat is on, Like is
31:09
Speaker 4: this heater being left on all day while we're at
31:11
Speaker 4: work or is it something that just gets switched on
31:14
Speaker 4: in one room when you get home from work and
31:17
Speaker 4: you know it's at the cool twenty four degrees that
31:20
Speaker 4: Jess is happy with, but it's just the like mainland
31:22
Speaker 4: droom or something after hours. So I think there's a
31:25
Speaker 4: lot to I guess, converse about, because hypothetically, if you're
31:29
Speaker 4: leaving the heater on all day to heat up for
31:32
Speaker 4: when you get home, that I can see why she
31:35
Speaker 4: might be a little bit frustrated that because that is
31:37
Speaker 4: a bit of a waste of money. You need to
31:38
Speaker 4: probably use your resources a bit better. But if you're
31:41
Speaker 4: only turning it on when you get home and you're
31:43
Speaker 4: actually being really conscious, I feel like that leans into
31:46
Speaker 4: more of a balanced conversation around Okay, well, I want
31:49
Speaker 4: to be comfortable with my own home, Like where's the
31:52
Speaker 4: happy medium? Because I know, Jess, if you and I
31:54
Speaker 4: live together and my house was twenty four degrees yet around,
31:57
Speaker 4: I would not deal not because of something and it's
32:00
Speaker 4: really exciting things. I'd be dying. I'd be like, oh,
32:03
Speaker 4: twenty four way too hot? Like really, yeah, one hundred percent.
32:07
Speaker 4: I'd be like ill, can you not? And like my
32:10
Speaker 4: husband would lose his mind, Like our heater has to
32:13
Speaker 4: go off entirely at nighttime, yeah, because we go absolutely
32:18
Speaker 4: cold turkey to bed and when I wake up in
32:20
Speaker 4: the morning, the house is usually like thirteen or fourteen
32:22
Speaker 4: degrees before the heater goes on. And I'm I'm really
32:24
Speaker 4: happy with that. But it's really about I guess fair
32:28
Speaker 4: Like is there a fair use policy?
32:31
Speaker 2: Like is there? Yeah? That must be If there's.
32:34
Speaker 4: Not, yes, yeah, Like have we talked about it, Like
32:36
Speaker 4: your partner doesn't like use the heating all the time.
32:38
Speaker 4: Is it because it's too hot or is it because
32:40
Speaker 4: you're just using it consistently. What do they think fair
32:43
Speaker 4: use actually looks like? And then we can negotiate from there, like,
32:47
Speaker 4: let's have a start point.
32:48
Speaker 2: True, I didn't think about that. Maybe your partner is
32:50
Speaker 2: just extremely hot all the time and it's so sick
32:53
Speaker 2: of it.
32:54
Speaker 4: Or maybe it could be that the enity is too
32:57
Speaker 4: and it might be one thousand percent financial. I feel
32:59
Speaker 4: like this bit extent, like healthmate.
33:01
Speaker 2: Positions as well.
33:02
Speaker 4: Yeah, Like I don't know, Like I would be really
33:05
Speaker 4: miffed if I was working my life away twenty four
33:07
Speaker 4: to seven and then my housemate was at home with.
33:09
Speaker 2: The heater blaring all day? Yeah, like, are you home
33:13
Speaker 2: a lot more than one person?
33:14
Speaker 1: I don't know.
33:14
Speaker 2: There's a lot of conversation to be had. Did everyone
33:17
Speaker 2: else think all right?
33:18
Speaker 4: So we asked do you live with your significant other?
33:21
Speaker 4: Seventy seven percent of you said yes, twenty three percent
33:24
Speaker 4: said no. We said, if yes, are you contributing to
33:27
Speaker 4: bills equally or based on income?
33:30
Speaker 2: Fifty eight percent of.
33:31
Speaker 4: You said we are equal, baby, and thirty nine percent
33:35
Speaker 4: said nope, we split based on equity.
33:37
Speaker 2: I hope we had something to do with that. Jessicah
33:39
Speaker 2: love that.
33:40
Speaker 4: Then we asked, do you have different ideas on how
33:43
Speaker 4: much utilities like heating or cooling should be used? Then
33:47
Speaker 4: twelve percent of you said yep, it's constant battle, forty
33:50
Speaker 4: nine percent of you said sometimes, and thirty nine percent
33:53
Speaker 4: of you said nop.
33:53
Speaker 2: We're always on the same page. I'm never on the
33:57
Speaker 2: same page as my husband.
33:58
Speaker 5: I feel like sometimes it comes in a shock, like
34:00
Speaker 5: sometimes able comes in like it's always those first few
34:03
Speaker 5: months of the winter, right when you were just having
34:04
Speaker 5: heating on and you go, oh yeah, and then you go, okay,
34:07
Speaker 5: we'll switch it off earlier or whatever.
34:09
Speaker 2: But yeah, I feel like I can hear it in
34:11
Speaker 2: my head right now, Victoria. Have you seen the gas bill? Yes? No,
34:16
Speaker 2: but I'm sure you're about to show me.
34:19
Speaker 4: So we asked you guys what you thought and for
34:21
Speaker 4: your comments were, and here are a few of them.
34:23
Speaker 4: So one person said, we work hard to be comfortable
34:26
Speaker 4: in our home. Time to rework those percentages? Maybe fair.
34:30
Speaker 4: Someone said, if the higher earning person is using the
34:32
Speaker 4: heater a more, they should paint more for the bills.
34:35
Speaker 2: Simple.
34:36
Speaker 4: Someone said, we put the same amount of money, but
34:39
Speaker 4: we cover each other on extras. If someone has spare cash,
34:43
Speaker 4: someone else said, just got a bill for one thousand
34:45
Speaker 4: dollars for two months for two people living in a
34:48
Speaker 4: free standing house.
34:49
Speaker 2: Oh what law is that? Maybe an accident? No, no,
34:56
Speaker 2: somebody who has abused their seat before. It absolutely isn't.
34:59
Speaker 2: Oh my god.
35:00
Speaker 4: Someone else said, would you consider paying even more for
35:02
Speaker 4: the heating? They can afford x and you can just
35:06
Speaker 4: maybe pay the rest set of an outcome? Just kind
35:09
Speaker 4: of nice.
35:10
Speaker 2: Someone said, could you just offer to cover the extra
35:12
Speaker 2: heating or maybe try a.
35:13
Speaker 4: Small portable heater? I feel like that's a common traps.
35:17
Speaker 2: More expensive people.
35:18
Speaker 4: Think that small portable heaters are lack way cheaper, but
35:21
Speaker 4: they're actually not.
35:23
Speaker 5: Get some heat bags or some electric weatcats or something
35:27
Speaker 5: that's gonna be my have.
35:28
Speaker 2: An throw blanket.
35:30
Speaker 4: Oh yeah, Jess and I are going to do crafts
35:32
Speaker 4: soon and we're going to make wat packs.
35:34
Speaker 2: That's cute. Maybe we'll film it.
35:36
Speaker 4: We'll make you one. We'll make you a weak Thank you,
35:38
Speaker 4: keep you warm, all right. Someone else said, my boyfriend
35:42
Speaker 4: earns three times as much as me, but we split
35:44
Speaker 4: everything equally, and I'm really struggling. Yeah, so that's because
35:48
Speaker 4: you shouldn't be splitting everything equally. You should be talking
35:51
Speaker 4: about equity in a relationship, and if someone is earning
35:54
Speaker 4: three times more than you, I genuinely don't believe it
35:57
Speaker 4: is fair to split rent fifty to fifty. Yeah, Like,
36:00
Speaker 4: at the end of the day, I think there needs
36:02
Speaker 4: to be a really big conversation because we're not saying
36:04
Speaker 4: he needs to cover your expenses, But it is wildly
36:07
Speaker 4: unfair to think that your lifestyle is maintainable to the
36:10
Speaker 4: same lifestyle standards that someone with three times in income
36:13
Speaker 4: has right as to what you do. Like, absolutely not right.
36:17
Speaker 4: I think it's wild to think that, Like, let's pretend
36:19
Speaker 4: they're on one hundred and fifty thousand dollars and you're
36:21
Speaker 4: just earning fifty thousand dollars to go out for brunch,
36:25
Speaker 4: to pay the bills, to put on the table the
36:27
Speaker 4: food that you want to eat. Someone who has an
36:30
Speaker 4: income of one hundred and fifty thousand dollars is going
36:32
Speaker 4: to have very different expectations than someone with fifty thousand dollars.
36:36
Speaker 4: And I'm guaranteeing you that somebody who earns one hundred
36:40
Speaker 4: and fifty thousand dollars, we're not crucifying them. They earned that,
36:44
Speaker 4: they deserve that, but you know what mentality they have.
36:47
Speaker 2: They also go, oh, I've earned this. We should go
36:49
Speaker 2: on a holiday, babe.
36:51
Speaker 4: How are you going to afford that holiday if you're
36:53
Speaker 4: not dividing things VI equity instead of basically equal, Because
36:57
Speaker 4: at the end of the day, it's not going to
36:59
Speaker 4: be sustainable and you're going to create drifts and rifts
37:02
Speaker 4: in your relationship. And I think that that's a really
37:04
Speaker 4: bad position to be.
37:05
Speaker 2: Yeah, for sure.
37:06
Speaker 4: Moving on, a lot of people said you should start
37:08
Speaker 4: tracking the cost of hours that you're using the heater
37:11
Speaker 4: and then split it up and talk about it.
37:13
Speaker 2: Oh, seems like a lot of mass.
37:15
Speaker 1: You know what.
37:15
Speaker 4: It seems like a lot of math, And I don't
37:17
Speaker 4: think we should be getting into the nitty gritty with
37:19
Speaker 4: our partner.
37:20
Speaker 5: And it also would be hard because it fluctuates hour
37:23
Speaker 5: to hour, like gas is more expensive, not always, but
37:26
Speaker 5: some companies charge more.
37:28
Speaker 2: Peak times and stuff.
37:29
Speaker 4: Yeah, I think it's just a conversation at the end
37:31
Speaker 4: of the day that we need to be having with
37:33
Speaker 4: our partners, with our housemates, with people that we live
37:36
Speaker 4: with around.
37:37
Speaker 2: Well, guys, the cost of.
37:38
Speaker 4: Living is increasing, gas and electricity increasing, Like what can
37:42
Speaker 4: we actually do to bring it down? And I feel
37:45
Speaker 4: like sometimes even looking into it, you might realize that
37:49
Speaker 4: the impact is not that big in comparison to the
37:51
Speaker 4: bigger things. Like this conversation might be coming from a
37:54
Speaker 4: place of I'm feeling really financially constricted about absolutely everything,
37:59
Speaker 4: and the thing that's at front of my mind is
38:01
Speaker 4: that you always have the heater on. So I'm going
38:03
Speaker 4: to direct my feelings towards that and be like, you're
38:05
Speaker 4: wasting money, rah rah, and then realizing that maybe the
38:10
Speaker 4: heater isn't the biggest thing in our financial story at
38:13
Speaker 4: the moment, So I think we need to break it up,
38:15
Speaker 4: have a look at it and go, well, what does
38:16
Speaker 4: this look like, and maybe accept that you might need
38:19
Speaker 4: to contribute more if you want to keep living your life.
38:21
Speaker 2: The whole way. Yeah. I love that. Great point is that.
38:25
Speaker 4: All we've got time for today, though, I think so ah, Well, guys,
38:28
Speaker 4: have the best weekend and we will see you right
38:30
Speaker 4: early on Monday for our money Diary.
38:32
Speaker 2: By By.
38:40
Speaker 4: The advice shared on She's on the Money is general
38:42
Speaker 4: in nature and does not consider your individual circumstances.
38:46
Speaker 2: She's on the Money exists purely for.
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Speaker 4: an investment or financial decision. If you do choose to
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38:57
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