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Balancing Fun Money and Financial Goals · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Order
• 0:05
  Speaker 1: Order Kerni Whoalbury and a waddery woman. And before we
• 0:08
  Speaker 1: get started on She's on the Money podcast, I would
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  Speaker 1: like to acknowledge the traditional custodians of the land of
• 0:14
  Speaker 1: which this podcast is recorded on a wondery country, acknowledging
• 0:18
  Speaker 1: the elders, the ancestors and the next generation coming through.
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  Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and
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  Speaker 1: the storytelling of you to make a difference for today
• 0:31
  Speaker 1: 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 2: Hello, and welcome to She's on the Money, custo millennials
• 1:00
  Speaker 2: who want financial freedom. Welcome back to another one of
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  Speaker 2: our Friday episodes where we get our little team together
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  Speaker 2: and celebrate you our incredible She's on the Money community.
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  Speaker 2: This week, Miss j S. Greech is going to be
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  Speaker 2: sharing her favorite money wins. Miss beck Sayed is back
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  Speaker 2: and she has a couple of broke tips for us.
• 1:19
  Speaker 2: We're going to be talking this week about a juicy
• 1:22
  Speaker 2: money dilemma. This week, we're going to be answering a
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  Speaker 2: question about how to be smart with your money when
• 1:27
  Speaker 2: you're single. And we're going to be unpacking something that
• 1:29
  Speaker 2: you slid into our DMS about this week. We're talking
• 1:32
  Speaker 2: about what to do when you've got concerns about your
• 1:34
  Speaker 2: partner's spending habits. Before we get there, though, Beck, Jess,
• 1:41
  Speaker 2: how are your weeks?
• 1:42
  Speaker 4: Jess, you go first, Thank you.
• 1:44
  Speaker 5: My wik's been good, nothing exciting. I've been watching a
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  Speaker 5: lot of beame rush TikTok.
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  Speaker 2: Yeah. I sent you the first video that came up
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  Speaker 2: on you. Yeah, and I was like, I'm working on
• 1:52
  Speaker 2: the algorithm for you.
• 1:54
  Speaker 5: I have a curator. It's like every second video and
• 1:56
  Speaker 5: I'm living for and all I can think about is
• 1:57
  Speaker 5: how much I would have bodied being a sorority girl,
• 2:00
  Speaker 5: because they do like all these cute themes for each day.
• 2:03
  Speaker 2: And Jess was actually born to be American, Yeah, in
• 2:08
  Speaker 2: like the non offensive way yeah no no, no, no no,
• 2:13
  Speaker 2: but like in the Deep South sorority. Yeah, Jess was
• 2:19
  Speaker 2: meant to be born into a billionaire household so that
• 2:21
  Speaker 2: she could like seem everything not work, like just I.
• 2:25
  Speaker 5: Would have been a great rich housewife. Yeah, I'm okay
• 2:29
  Speaker 5: with that. Work towards that work towards.
• 2:31
  Speaker 4: Yeah, it's not impossible.
• 2:32
  Speaker 2: I just know that you would have been living your
• 2:33
  Speaker 2: best life. Like I just know that if I said
• 2:36
  Speaker 2: to Jess tomorrow, we're going to get up, We're going
• 2:39
  Speaker 2: to go to Starbucks, her ears would already be pricked. Yes,
• 2:42
  Speaker 2: we're going to Target. We're going to walk around Target.
• 2:46
  Speaker 2: We're going to go to pilates. At lunch time, we're
• 2:48
  Speaker 2: going to go get cobb salads and some Crispy diet coke.
• 2:51
  Speaker 2: She'd be like, I'll do anything.
• 2:54
  Speaker 5: It's fun. Whenever we go to the US for a
• 2:55
  Speaker 5: work trip, it's like we had to cosplay it for Like.
• 2:59
  Speaker 4: Do you know those TikTok where it's like they show
• 3:03
  Speaker 4: the college girls like they're about to go to college
• 3:05
  Speaker 4: and they're like, my name's.
• 3:09
  Speaker 5: And I'm going all this.
• 3:12
  Speaker 2: That.
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  Speaker 4: I can see that for you. I don't want anything.
• 3:17
  Speaker 1: Else for you.
• 3:19
  Speaker 2: I just want that to come to fruition. So if
• 3:21
  Speaker 2: there is a billionaire listening that would like to adopt
• 3:24
  Speaker 2: Jess so she can live her best American sorority girl life, yes.
• 3:28
  Speaker 5: I'll be like maturity student already takes thirty.
• 3:32
  Speaker 2: Scho with skin like that, baby girl, you know what
• 3:37
  Speaker 2: you could do instead Mormon Housewife.
• 3:40
  Speaker 5: Did you say that they're making a reality show?
• 3:43
  Speaker 2: No, but I want to watch it.
• 3:44
  Speaker 5: What is it The Secret Lives of Mormon Wives or
• 3:46
  Speaker 5: something like that, say less less in the conversation.
• 3:50
  Speaker 2: We'll have this conversation later. We've just piped up Jess
• 3:53
  Speaker 2: and made her believe that things that are never going
• 3:56
  Speaker 2: to happen might happen. So I love that.
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  Speaker 5: There.
• 3:58
  Speaker 2: Cow's your week, my week, My week, my week.
• 4:01
  Speaker 4: I got back from Sydney.
• 4:03
  Speaker 2: Birthday month.
• 4:04
  Speaker 4: It's birthday month. It is a bit of a shame.
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  Speaker 4: I do feel like the birthday magic's wearing off. It's
• 4:08
  Speaker 4: now like midway through August, so I'm like.
• 4:10
  Speaker 5: You're right at the end of July, which makes it hard.
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  Speaker 2: Yeah, I'm like, oh how much can I stretch this?
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  Speaker 5: You know?
• 4:16
  Speaker 2: But I'm still trying. So it really feels like the month. Yeah,
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  Speaker 2: we're only I think true. Okay, it does not exist.
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  Speaker 4: Yeah, I think that's probably true. And once this is over,
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  Speaker 4: then we've got Halloween, we've got Christmas. Like the magic just.
• 4:29
  Speaker 5: No, get it, you get it.
• 4:31
  Speaker 4: But no, my week's been really good. It's been really
• 4:34
  Speaker 4: I'm still trying to like look for a house so
• 4:36
  Speaker 4: anyone anywhere out there. I think at this point I'm
• 4:39
  Speaker 4: only going north side. I'm a beggar and I can't
• 4:42
  Speaker 4: be a chooser. So if anyone has also, she's being
• 4:44
  Speaker 4: a chooser by refusing to go east side.
• 4:47
  Speaker 5: What's outside or west side?
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  Speaker 4: Yes, that's true. I think I will still be a
• 4:51
  Speaker 4: choosing but no, if anything comes up, but I'm like, hey,
• 4:53
  Speaker 4: Idlberg doesn't sound so bad, then maybe that's still north side.
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  Speaker 2: I have no idea if we from the west, so
• 5:00
  Speaker 2: I'll go west. Geography is just not for me.
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  Speaker 4: Well, I'll go anywhere. So that's that's my current situation.
• 5:06
  Speaker 4: So the weeks, Yeah, it's been, but otherwise it's been good.
• 5:07
  Speaker 4: What about you good?
• 5:09
  Speaker 2: Mine has been decidedly more boring than yours. I feel
• 5:13
  Speaker 2: like I've finally got into the daycare group, like I
• 5:16
  Speaker 2: am loving it, and I feel like we should talk
• 5:17
  Speaker 2: about this because I feel like so many mums on
• 5:20
  Speaker 2: TikTok and Instagram they're always talking about like, oh my gosh,
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  Speaker 2: I feel so guilty going back to work, or I
• 5:25
  Speaker 2: feel so guilty that my kid's in daycare. Harvey loves it,
• 5:30
  Speaker 2: like he is having the best time ever. So they
• 5:32
  Speaker 2: have this little app where they upload photos throughout the
• 5:35
  Speaker 2: day and tell you what they're up to, and I'm
• 5:38
  Speaker 2: just like, these are things that I just don't have
• 5:40
  Speaker 2: the brain capacity for. Like he's doing all these sensory
• 5:43
  Speaker 2: activities and like last week they did baby Olympics for real.
• 5:50
  Speaker 2: Turns out maybe our educator is a really great storyteller,
• 5:54
  Speaker 2: because like the written thing said, oh my gosh, the
• 5:56
  Speaker 2: kids put on a spectacular performance today they were doing
• 6:00
  Speaker 2: artistic gymnastics, and Harvey really shone through. And then there's
• 6:05
  Speaker 2: just this picture of my baby who cannot sit up,
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  Speaker 2: laying on a mat looking like a little sweet potato
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  Speaker 2: holding a rainbow ribbon rattle, and that's his artistics, and
• 6:20
  Speaker 2: like I mean the other kids, because obviously the app
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  Speaker 2: gets updated with all the kids they're like doing like
• 6:24
  Speaker 2: climbing activities and like running races and stuff, and it
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  Speaker 2: was just so wholesome, and I just know that he's
• 6:30
  Speaker 2: having the best time while I get to come back
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  Speaker 2: to work and be my best self. And I just
• 6:34
  Speaker 2: think it's so good and we need to talk more
• 6:37
  Speaker 2: about this, because like my week has been made knowing
• 6:39
  Speaker 2: that he's had a good week at daycare. And then
• 6:41
  Speaker 2: I come home and I'm like, tell me about your
• 6:43
  Speaker 2: baby day, like, what did you do? Obviously he can't
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  Speaker 2: respond yet. I'm not that delusional, but I like go
• 6:49
  Speaker 2: through the app and I'm like, oh, you did this,
• 6:51
  Speaker 2: and then did you have this? And oh you had
• 6:53
  Speaker 2: a bottle at this time, and you know, I tell
• 6:55
  Speaker 2: him about my day and I'm like, this is going
• 6:57
  Speaker 2: to work for us. I really like it. So yeah,
• 7:01
  Speaker 2: a bit boring back at work, back in the office,
• 7:03
  Speaker 2: so I feel like I've spent a few days in
• 7:05
  Speaker 2: the office more than what I would usually, But so good,
• 7:09
  Speaker 2: so good.
• 7:10
  Speaker 4: You gotta keep your sanity. You got to talk to people.
• 7:11
  Speaker 4: You're in age.
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  Speaker 2: I feel like you do. And I mean, if you
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  Speaker 2: want to stay home, great, like fantastic. It's different horses
• 7:17
  Speaker 2: for different courses. But I just knew this was going
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  Speaker 2: to be part of the narrative. And I have had
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  Speaker 2: a few messages from people because I've posted on my
• 7:24
  Speaker 2: Instagram like Harvey is like daycare fit or whatever. They're like,
• 7:28
  Speaker 2: oh my gosh, how are you going with daycare? Do
• 7:30
  Speaker 2: you feel guilty? And I'm like, hold up, why is
• 7:31
  Speaker 2: that part of the Yeah, why is that part of
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  Speaker 2: the narrative? Why would I feel guilty? Do you know
• 7:35
  Speaker 2: how expensive daycare is? Like if I turned around to you,
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  Speaker 2: Beck and said I'm spending one hundred and ninety two
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  Speaker 2: dollars a day on you, You'd be like blessed.
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  Speaker 4: Yeah, hey, yeah, I would be like, do you feel guilty?
• 7:46
  Speaker 2: Well no, no, So I just yeah. I think it's
• 7:50
  Speaker 2: important to talk about because it's meant that I am
• 7:52
  Speaker 2: so much happier at work as well, knowing that he's
• 7:56
  Speaker 2: happy and having a really good time. But that's not
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  Speaker 2: what today's about. Today's about our community. So let's dive
• 8:02
  Speaker 2: straight in, Jess, I saw the money Wins thread this
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  Speaker 2: week and there were some good ones. What have you
• 8:07
  Speaker 2: pulled out to share?
• 8:08
  Speaker 5: Alrighty, My first one this week comes from Natasha who
• 8:12
  Speaker 5: said she's currently putting up curtains throughout her house. She
• 8:15
  Speaker 5: got a quote and they said for one room, a
• 8:18
  Speaker 5: singular room, it was going to cost her over twelve
• 8:20
  Speaker 5: hundred dollars.
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  Speaker 4: Crazy.
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  Speaker 5: Who new curtains were so expensive?
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  Speaker 2: Not me, I know, we did remember when we got
• 8:25
  Speaker 2: that quote for.
• 8:25
  Speaker 5: The the office, and then well we did a bit
• 8:27
  Speaker 5: of a Natasha. We decided to do it ourselves, which
• 8:30
  Speaker 5: is exactly what she did. She went to Spotlight. They
• 8:32
  Speaker 5: had a forty percent off sale. She got all of
• 8:34
  Speaker 5: her curtains for six hundred bucks.
• 8:36
  Speaker 2: Money win, money Win. We did basically the same thing,
• 8:39
  Speaker 2: but we got them through Freedom and we just installed
• 8:42
  Speaker 2: them ourselves.
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  Speaker 4: What do they do, Like, we're just like, you know
• 8:44
  Speaker 4: those sheer.
• 8:44
  Speaker 2: Curtains y, Yeah, Like it was so expensive.
• 8:49
  Speaker 4: And they like they just hang them, but you could just.
• 8:52
  Speaker 2: I'm assuming they also make them like they hang them,
• 8:57
  Speaker 2: And I mean you do get the extra bonus of
• 8:59
  Speaker 2: having them like trimmed to the right size. Sure, we
• 9:02
  Speaker 2: did that ourselves. Have you met Jess. She's now the
• 9:04
  Speaker 2: proud owner of a sewing machine. She can do anything.
• 9:07
  Speaker 5: Crafty queens. Next, even of money win from Anthea, who said,
• 9:10
  Speaker 5: money win. We've built a chicken coop out the back.
• 9:13
  Speaker 5: This one's for you back. We had stuff laying around
• 9:15
  Speaker 5: on our block. We only were forty dollars out of
• 9:17
  Speaker 5: pocket for lax and basic stuff like screws and buckets.
• 9:20
  Speaker 5: They already had the space in the yard and they
• 9:22
  Speaker 5: repurposed a aviary that their dad had built twenty eight
• 9:26
  Speaker 5: years ago. Oh my gosh, very wholesome. And there is
• 9:29
  Speaker 5: a photo of the chicken coop. I love photo pictures
• 9:32
  Speaker 5: a whole house literally like you could.
• 9:36
  Speaker 2: Is it in the north boat. Probably there's going to
• 9:38
  Speaker 2: be an issue if it's not.
• 9:42
  Speaker 5: A chicken coop.
• 9:43
  Speaker 2: No worries.
• 9:44
  Speaker 5: Next, even of money win from Alicia, who said, I
• 9:46
  Speaker 5: bought a very old, very burnt le crust pot for
• 9:49
  Speaker 5: anyone who doesn't know le cruse ah like super bougie,
• 9:53
  Speaker 5: very expensive, like four hundred dollars pots, but they're very
• 9:56
  Speaker 5: well made, their cast iron. They last you a lifetime.
• 9:59
  Speaker 2: I really, but I can't justify it.
• 10:01
  Speaker 5: I agree they're stunning.
• 10:03
  Speaker 2: I don't do enough like of that baking to get
• 10:05
  Speaker 2: the proper lucrat like I just don't have. Like if
• 10:10
  Speaker 2: you said, Victoria's a fry pan that you'd use every
• 10:12
  Speaker 2: night for dinner while cooking yourmaly spoons, I'd be like
• 10:14
  Speaker 2: slate can invest. No, not a.
• 10:17
  Speaker 5: Dutch And I think they do other stuff, but I'm
• 10:19
  Speaker 5: not sure anyway. At least she found this one for
• 10:20
  Speaker 5: fifty bucks on Facebook marketplace. She cleaned it up with
• 10:23
  Speaker 5: a lot of scrubbing and soaking and it looks perfect now.
• 10:26
  Speaker 5: She put in a photo and it was ninety percent
• 10:28
  Speaker 5: off of the normal retail price.
• 10:30
  Speaker 2: Oh look at her.
• 10:31
  Speaker 5: What a good job she did.
• 10:32
  Speaker 4: That is so good.
• 10:34
  Speaker 2: Do you know what this woman? Woman after my own heart? Really?
• 10:37
  Speaker 2: I think that she would like my cleaning stories highlight
• 10:40
  Speaker 2: on my Instagram because I'm a cleaner at heart. Have
• 10:43
  Speaker 2: you seen me in a canva ive and cleaner?
• 10:46
  Speaker 5: She loves to scrub.
• 10:47
  Speaker 2: I love it. Do you think I'm joking? Beck? No,
• 10:51
  Speaker 2: after the show, I'm going to show you my highlights.
• 10:54
  Speaker 2: I've seen you.
• 10:54
  Speaker 4: I've seen you. If I'm in a room with you
• 10:56
  Speaker 4: and a can of oven spray, I know that I'm
• 10:57
  Speaker 4: not being seen.
• 10:59
  Speaker 2: That's real tops and only spray oven spray outside.
• 11:02
  Speaker 5: Beck, Oh my gosh, all ranks.
• 11:05
  Speaker 2: I let you win.
• 11:05
  Speaker 5: From Matilda who said last night she got to see
• 11:08
  Speaker 5: Beauty in the Beast with a friend and they only
• 11:09
  Speaker 5: paid twenty four dollars per ticket because they won the lottery,
• 11:13
  Speaker 5: it's definitely worth entering the lotteries. So I'm getting there
• 11:17
  Speaker 5: with the context. It's definitely worth entering the lotteries. On
• 11:19
  Speaker 5: the Today ticks app, there's one for Wicked two. You
• 11:21
  Speaker 5: might remember me saying a while ago I was trying
• 11:23
  Speaker 5: to win tickets. Wicked didn't win sadly, but.
• 11:25
  Speaker 2: I never saw Wicked buy.
• 11:28
  Speaker 5: You can often enter last minute lottery when they have
• 11:30
  Speaker 5: extra seats left in the theater. They'll sometimes do it
• 11:33
  Speaker 5: like the stage door, but apps like today Ticks also
• 11:35
  Speaker 5: do it and you enter and you just go in
• 11:37
  Speaker 5: the for a chance to be able to buy like
• 11:39
  Speaker 5: a really cheap ticket. So in this case, they were
• 11:41
  Speaker 5: doing twenty four dollar tickets to see Beauty in the
• 11:42
  Speaker 5: Beast musical.
• 11:43
  Speaker 2: That's so cool. I feel like they're so expensive nowadays.
• 11:45
  Speaker 5: I was going to say, I feel like the ride
• 11:47
  Speaker 5: at the back seats are still like eighty ninety bucks normally,
• 11:49
  Speaker 5: and you know, up into the hundreds depending on how
• 11:51
  Speaker 5: close you get, So twenty four dollars is still my god.
• 11:55
  Speaker 2: Well, I was just thinking, wait, she won the lottery
• 11:58
  Speaker 2: and still had to pay.
• 12:01
  Speaker 4: Someone writes in one day, is like my money win
• 12:03
  Speaker 4: is I won the powerball?
• 12:04
  Speaker 2: My god. I had a client. I had a client,
• 12:07
  Speaker 2: do that, not a pre existing client. This is a
• 12:09
  Speaker 2: number of years ago. They came to me and said
• 12:11
  Speaker 2: I need financial advice, and I was like, great, no
• 12:13
  Speaker 2: worries come my way. And I was thinking like, oh,
• 12:15
  Speaker 2: this is probably like, you know, going to be a
• 12:18
  Speaker 2: smaller client, because you know, you have in your head
• 12:20
  Speaker 2: like maybe what a client's going to be like after
• 12:23
  Speaker 2: you read their fact find and like a few details
• 12:25
  Speaker 2: and they had omitted that. I was thinking, okay, Uni student,
• 12:28
  Speaker 2: like probably like we're going to talk about budget and
• 12:30
  Speaker 2: cash flow. And she's like, so I won like five
• 12:32
  Speaker 2: million dollars And I was like, sorry, what she's like?
• 12:35
  Speaker 2: And I just I don't really know what to do.
• 12:37
  Speaker 2: And I was like, this is very exciting. Who knows?
• 12:41
  Speaker 2: And she's like, well, a while ago you said on
• 12:44
  Speaker 2: a podcast like you don't have to tell anyone, so
• 12:46
  Speaker 2: I haven't told anyone. And I was like, oh, okay,
• 12:50
  Speaker 2: so you claimed the money yet, And I'm thinking that
• 12:52
  Speaker 2: maybe it's a joke. Any Way, full financial Plan. It
• 12:55
  Speaker 2: was not a joke. She didn't end up telling her parents,
• 12:58
  Speaker 2: doing some incredible things for her family. She donated some money,
• 13:01
  Speaker 2: she set herself up full life, but imagine winning five meal. Yeah,
• 13:08
  Speaker 2: you guys about what I would do, and like she
• 13:11
  Speaker 2: was most worried at that time. Sorry, I know that
• 13:14
  Speaker 2: the person who one listens to the show still so
• 13:18
  Speaker 2: hi Congress, but she was so worried in that meeting
• 13:21
  Speaker 2: with me. She's like do I have to pay you now?
• 13:24
  Speaker 2: Or like can I pay you later because I don't
• 13:26
  Speaker 2: have the money now, Like I can't pay for advice now.
• 13:29
  Speaker 2: And I was like, oh, this is fine, this is fine,
• 13:31
  Speaker 2: no worries, You're good for it. Imagine being like, I
• 13:34
  Speaker 2: know I have five million dollars coming, but I'm worried
• 13:38
  Speaker 2: about you know, a three thousand dollars invoice. Like I
• 13:41
  Speaker 2: get it, yeah, but holy moly.
• 13:43
  Speaker 4: Yeah.
• 13:43
  Speaker 2: I was like, how does that feel to live my dream?
• 13:45
  Speaker 5: I literally completely well speaking of living the dreams and
• 13:48
  Speaker 5: quit moved.
• 13:48
  Speaker 2: To America totally.
• 13:50
  Speaker 5: I'd becoming a I'd be my own rich, stay at homehouse.
• 13:52
  Speaker 5: You're like, I'm moving to Utah for the leader might
• 13:55
  Speaker 5: have been from Amanda talking about random crazy things. Apparently
• 13:58
  Speaker 5: Amazon Prime is filming a movie on the Goldie with
• 14:02
  Speaker 5: Mark Warwerk, and they asked if they could do some
• 14:04
  Speaker 5: filming on their cane farm. They pay them twenty grand
• 14:09
  Speaker 5: for three or four days of filming on their property.
• 14:11
  Speaker 2: You can have my house.
• 14:13
  Speaker 5: Literally, god crazy?
• 14:15
  Speaker 4: Is there any like negotiations? She's probably didn't mention or
• 14:18
  Speaker 4: they would just like, hey, we'll give you no idea.
• 14:20
  Speaker 5: I mean, if someone said to me, Hey, twenty grand
• 14:22
  Speaker 5: to use it, I'd be like buy all me.
• 14:23
  Speaker 2: Yeah, do you want me to clean the house first?
• 14:25
  Speaker 5: Literally, I'll do that. I'll sweep the fields, I'll do
• 14:28
  Speaker 5: whatever I've got to do the field.
• 14:30
  Speaker 4: Absolutely, like your cane field is going to feature in
• 14:33
  Speaker 4: a movie with.
• 14:34
  Speaker 5: You imagine seeing the movie being like kids, that's my cane.
• 14:38
  Speaker 4: Literally, that's They could pay me three dollars and I'd
• 14:41
  Speaker 4: still do that. That's really really cool.
• 14:43
  Speaker 5: So fun. And the last I have money in from
• 14:45
  Speaker 5: myself And a little reminder, it's after pay Day starting
• 14:48
  Speaker 5: today after pay Day's sales have been going on all
• 14:50
  Speaker 5: week though, which I have been taking advantage of. But
• 14:53
  Speaker 5: I wanted to buy something online. Actually, this jacket that
• 14:56
  Speaker 5: I'm wearing right now, I wanted to buy.
• 14:58
  Speaker 2: Already complimented on that it's very cute, but like it
• 15:01
  Speaker 2: looks very Garney, which is obviously very do you know
• 15:04
  Speaker 2: what you would love Garney. I'm gonna show you after
• 15:06
  Speaker 2: it's expensive. It's a gateway. You're not going to appreciate
• 15:09
  Speaker 2: me for showing you, but you will appreciate the fashion.
• 15:12
  Speaker 2: But it looks very Garney, which is expensive. And then
• 15:15
  Speaker 2: just was like, huh, I did a jess.
• 15:17
  Speaker 5: Yeah it's from Glassons Fan. I was wondering, but I
• 15:19
  Speaker 5: wanted to buy it online it was sold out and
• 15:21
  Speaker 5: after pay sale was only online. But I went into
• 15:24
  Speaker 5: the store anyway, and I just said, hey, like, I
• 15:26
  Speaker 5: saw this jacket online but it was on sale online,
• 15:28
  Speaker 5: but it's not on sale here. And they said, oh,
• 15:30
  Speaker 5: we can just price match it for you so I
• 15:32
  Speaker 5: could get my size. So if something you want is
• 15:35
  Speaker 5: a part of the sales, but it maybe is sold
• 15:36
  Speaker 5: out in your size or your color or whatever and
• 15:39
  Speaker 5: they have it in store, it's worth coming in store
• 15:40
  Speaker 5: and just trying to see if you can get a
• 15:42
  Speaker 5: price match, because I think a lot of the times
• 15:44
  Speaker 5: the stores will be happy to just have the sale
• 15:46
  Speaker 5: because a lot of people are probably not shopping in
• 15:48
  Speaker 5: store this week because they're using the after pay sales instead.
• 15:50
  Speaker 5: And reminder, you don't need to use after pay to
• 15:52
  Speaker 5: take advantage of the after pay sales because I've never
• 15:54
  Speaker 5: had after pay. I just want to take advantage of
• 15:56
  Speaker 5: the sales.
• 15:57
  Speaker 2: Yeah, yeah, yeah, And I was about to say oft
• 16:00
  Speaker 2: and they'll have a discount code for you to use
• 16:02
  Speaker 2: for after pay day that's like after pay day or something,
• 16:05
  Speaker 2: and you can use it even though your payment method
• 16:07
  Speaker 2: is not after pay, because it makes the sense, right,
• 16:11
  Speaker 2: like it makes sense for the company to make the
• 16:13
  Speaker 2: most of people who also don't have after paid they
• 16:16
  Speaker 2: might want to give that a crack.
• 16:17
  Speaker 5: They literally just branded it with their name. It's like
• 16:20
  Speaker 5: smart mouk. But you don't need to use it at all.
• 16:22
  Speaker 2: Seeh I also have a money when that I want
• 16:24
  Speaker 2: to share is that, Okay, please do this. One's for
• 16:27
  Speaker 2: the Kindle goalies out there. So I currently have Kindle Unlimited,
• 16:31
  Speaker 2: and if you have Kindle Unlimited, you know that you
• 16:34
  Speaker 2: don't get every single book that you might want to read. Anyway,
• 16:38
  Speaker 2: Kindle app is having a massive sale, and lots of
• 16:40
  Speaker 2: the books that I want to read at the moment
• 16:42
  Speaker 2: are like eighty to ninety percent off, so they're only
• 16:45
  Speaker 2: costing a couple of dollars to add to my Kindle.
• 16:47
  Speaker 2: So I've gone through added a heap of them and
• 16:50
  Speaker 2: I'm really excited about it. But that didn't come from me.
• 16:52
  Speaker 2: That actually came I was in the office yesterday and
• 16:55
  Speaker 2: the Zella girls were like, they're Kindle giralies. Like Maddie
• 16:59
  Speaker 2: in the office, she reads like three books a week.
• 17:03
  Speaker 2: I don't know how she's like a speed reader and
• 17:05
  Speaker 2: she doesn't even use the dyslexic font jesslexic fon Oh
• 17:08
  Speaker 2: my gosh, yes, what's that? Oh side note, So on
• 17:14
  Speaker 2: your kindle you can like change the fonts and like
• 17:17
  Speaker 2: how it's viewed and like the font size and stuff. Right, yes, yes,
• 17:21
  Speaker 2: but you're gonna love this, Jess. So there is a
• 17:23
  Speaker 2: font called open dyslexic and you don't have to be
• 17:27
  Speaker 2: dyslexic to use it. And I'm obsessed with it because
• 17:29
  Speaker 2: it's basically been crafted to be easier on your eyes
• 17:33
  Speaker 2: to flow along the words and read quicker. So I
• 17:37
  Speaker 2: use it and it makes my kindle experience just much nicer,
• 17:40
  Speaker 2: much easier. We got into this debate in the office
• 17:43
  Speaker 2: a couple of weeks ago because we have an internal
• 17:46
  Speaker 2: we have book club at work. We're very cool, thanks
• 17:48
  Speaker 2: for asking, and we're currently reading something. I say, we'll
• 17:52
  Speaker 2: try the font that I'm obsessed with, and all the
• 17:53
  Speaker 2: girls were like, that looks like clown font does not
• 17:58
  Speaker 2: look legible, Victoria, and I was like, give it a crack.
• 18:01
  Speaker 2: Went in yesterday and Georgia was like, Victoria, I'm really sorry,
• 18:05
  Speaker 2: but like this is the best font ever, I'm reading
• 18:07
  Speaker 2: so much quicker. It is so good, so give it
• 18:09
  Speaker 2: a try. It's already on your kindle, like you don't
• 18:12
  Speaker 2: have to download or do anything, but it makes it
• 18:14
  Speaker 2: so much quicker. And that's not what I came here
• 18:16
  Speaker 2: to tell you. It came here to tell you that
• 18:17
  Speaker 2: lots of books are cheap right now.
• 18:19
  Speaker 5: Excellent.
• 18:20
  Speaker 4: We love that.
• 18:20
  Speaker 5: I can't wait to have a look.
• 18:21
  Speaker 2: Would you like some broke tips though, because we've taken
• 18:24
  Speaker 2: over this segment.
• 18:25
  Speaker 4: Hey, no, that's quite all right. I'll be very quick.
• 18:28
  Speaker 4: Don't mind me. I'm just going to read you two
• 18:31
  Speaker 4: from the community. One for myself.
• 18:32
  Speaker 2: Well I didn't see that come yeah, I had sort
• 18:35
  Speaker 2: of changed it off a little bit. Okay.
• 18:37
  Speaker 4: So the first one comes from a friend of mine.
• 18:40
  Speaker 4: I posted on my story your girlfriend, if you're no,
• 18:43
  Speaker 4: not my girlfriend, this time?
• 18:44
  Speaker 2: Not my girlfriend. I like how she here, he always
• 18:45
  Speaker 2: says this time because we all know, we always.
• 18:49
  Speaker 4: We all know. No, she's in the UK, so the
• 18:51
  Speaker 4: time zone makes it very hard to ask her before
• 18:54
  Speaker 4: I come in here in a panic, what do I
• 18:56
  Speaker 4: do because she's currently asleep?
• 18:58
  Speaker 2: But wake up, it's broke tip time.
• 19:01
  Speaker 4: So this one comes from Jacinta who says, buy upsized
• 19:03
  Speaker 4: am Pole fuel vouchers on shop back seven percent off,
• 19:07
  Speaker 4: then scan your Woolies card for points. Okay, Queen, that
• 19:11
  Speaker 4: sounds like a great idea, not.
• 19:13
  Speaker 2: Just that's genius. You're like hacking the system. You get
• 19:16
  Speaker 2: a better discount on fuel, do you reckon? You could
• 19:19
  Speaker 2: also use your like supermarket discount, I reckon, like you
• 19:23
  Speaker 2: stack them triple whamm it, you could stack them, oh,
• 19:27
  Speaker 2: discount stacking.
• 19:28
  Speaker 5: There's lots of upsized cash back this week with after
• 19:30
  Speaker 5: Payday too, so like, have a look at your favorite
• 19:32
  Speaker 5: brands and stuff. Because I got something on the Iconic
• 19:34
  Speaker 5: it was twenty cent cash back, So I was like.
• 19:36
  Speaker 2: Yeah, I actually bought something. It was for work. I
• 19:39
  Speaker 2: bought something on the Adobe website and I actually got
• 19:42
  Speaker 2: fifty percent cash back on shot back. Amazing, Wow, fifty
• 19:46
  Speaker 2: isn't that good and do expensive?
• 19:48
  Speaker 4: Yeah it is.
• 19:49
  Speaker 2: I was like money win because I actually had to
• 19:52
  Speaker 2: purchase it. It wasn't like I said to read. Yeah,
• 19:55
  Speaker 2: I had to purchase some Adobe pdafreeder for work, which
• 19:58
  Speaker 2: was not that sexy. But then when I got fifty
• 20:00
  Speaker 2: business cash back, I was like, Okay, so that's now
• 20:02
  Speaker 2: my money money.
• 20:06
  Speaker 4: Wow. Anyway, sorry story there, No, don't be sorry at all.
• 20:10
  Speaker 4: The next one comes from Bex. And now I just
• 20:12
  Speaker 4: want to preface this by saying that this person did
• 20:14
  Speaker 4: have permission to do this. So the office next door
• 20:17
  Speaker 4: I'm assuming to their office had to clear out, and
• 20:19
  Speaker 4: this person dumpster dove and sold items on Marketplace and
• 20:23
  Speaker 4: just got a free hundred fifty bucks, which is really
• 20:25
  Speaker 4: good because sometimes we do that here at this office,
• 20:27
  Speaker 4: and like we're not throwing out like old broken lounges,
• 20:32
  Speaker 4: like we're throwing out office chairs and desks that we
• 20:35
  Speaker 4: don't use anymore and just everything like key cups, all
• 20:38
  Speaker 4: these things.
• 20:38
  Speaker 2: Really put it on Facebook Marketplace, Well.
• 20:41
  Speaker 4: That's what you do if you're doing it for your
• 20:42
  Speaker 4: own house. But if it's like an office clear out,
• 20:44
  Speaker 4: which is what was happening here, and what does happen
• 20:45
  Speaker 4: in this office too, no one's going through.
• 20:48
  Speaker 2: It's a picture of it, like and say, we're gonna
• 20:50
  Speaker 2: put all of this outside, and it's at this location.
• 20:53
  Speaker 2: You can come and take it from, you know, near
• 20:55
  Speaker 2: the dumpster or whatever. I just hate the idea that
• 20:58
  Speaker 2: it's all going to waste.
• 21:00
  Speaker 4: But yeah, I think if it's like a big company
• 21:02
  Speaker 4: where there's like so many people and the person in
• 21:05
  Speaker 4: charge isn't going to be doing that. Ye, they're just like.
• 21:07
  Speaker 2: But if you if I did for our office, we
• 21:09
  Speaker 2: recently packed up one of our Zella officers and we
• 21:12
  Speaker 2: put so much stuff on Facebook marketplace because I was like,
• 21:15
  Speaker 2: I can't imagine throwing it out obviously, I don't want
• 21:18
  Speaker 2: to put it into storage, Like it just feels so
• 21:20
  Speaker 2: wasteful totally, and like it technically could have been sold,
• 21:25
  Speaker 2: Like I definitely could have made money from it. But
• 21:27
  Speaker 2: you know, when you want something to just move, I'm like,
• 21:29
  Speaker 2: I know if I put this like set of bookcases
• 21:32
  Speaker 2: up for free, someone's going to go that's a money
• 21:35
  Speaker 2: win and come and collect it that same day. Like
• 21:37
  Speaker 2: this stuff moves. Definitely offer it because like even like
• 21:41
  Speaker 2: desk chairs and stuff, like if you're in a share so.
• 21:45
  Speaker 5: Expensive, I'm like, five hundred dollars isn't like crazy.
• 21:50
  Speaker 2: This woman she's been complaining. I'm calling her out publicly now.
• 21:55
  Speaker 2: She has been complaining for what would you say, twelve months?
• 22:00
  Speaker 5: I worked at the company, two years, three years.
• 22:03
  Speaker 2: She's like, I don't have a good desk set up
• 22:05
  Speaker 2: at home, Like I don't have a good desk chair.
• 22:07
  Speaker 2: I don't have a desk. I really want one of
• 22:09
  Speaker 2: those standing desks. I've said I'll pay for it. I'm like,
• 22:16
  Speaker 2: I will buy that for you. Not only will I
• 22:18
  Speaker 2: buy it for you, just put it on my credit card.
• 22:21
  Speaker 2: You've got the details. Have you done it? Are you
• 22:24
  Speaker 2: still complaining about it?
• 22:26
  Speaker 4: I'm just going.
• 22:28
  Speaker 2: To get to a point where I just send it
• 22:30
  Speaker 2: to her house and it's not going to be what
• 22:32
  Speaker 2: she wants because she won't tell me what she wants.
• 22:35
  Speaker 2: But I'll out the amount of money this woman spends
• 22:40
  Speaker 2: it the chiropractor significantly what a new desk would compay
• 22:46
  Speaker 2: for a.
• 22:46
  Speaker 5: Desk by now true, which is like an imagine the
• 22:49
  Speaker 5: way would.
• 22:49
  Speaker 2: The fun in that bay?
• 22:51
  Speaker 4: Yeah, exactly, I imagine with a little treadmill. Do you
• 22:53
  Speaker 4: think you'd be one of those?
• 22:59
  Speaker 5: Sometimes I try. I put my laptop on the there's
• 23:01
  Speaker 5: like a bar for your hands. Sometimes I balance the laptop,
• 23:05
  Speaker 5: but it's very it's dangerous game.
• 23:06
  Speaker 2: And sometimes you zoomer and she's like wobbling and you're like, oh,
• 23:09
  Speaker 2: she's on the walking treadmill. I actually laughed so much
• 23:13
  Speaker 2: because she even has a spare room in her house
• 23:17
  Speaker 2: Beck for a study to go that is waiting for
• 23:20
  Speaker 2: this desk that she still hasn't order.
• 23:22
  Speaker 4: Maybe do it right before July.
• 23:24
  Speaker 2: So that you she leaves this office one do you
• 23:28
  Speaker 2: want let's order it.
• 23:29
  Speaker 5: All the gear? No idea anyway? Tip?
• 23:34
  Speaker 4: Oh yes, okay. So my one is also I just
• 23:36
  Speaker 4: want to shout out to my friend Amy who also
• 23:39
  Speaker 4: did the same thing, because I don't want them to
• 23:41
  Speaker 4: think that I'm stealing their idea. But I can't why
• 23:44
  Speaker 4: I had.
• 23:44
  Speaker 2: To disclaim it before. I was like, I didn't come
• 23:46
  Speaker 2: up with the kindle thing Maddie in the office did.
• 23:48
  Speaker 5: Sorry credit where credit is you?
• 23:50
  Speaker 4: And I know that this is one that we've probably
• 23:53
  Speaker 4: mentioned before about like you know, like house sitting, pet sitting,
• 23:55
  Speaker 4: all this kind of stuff. But my broke tip is
• 23:57
  Speaker 4: have a look, especially if you're in a situation like
• 24:00
  Speaker 4: where you're kind of like maybe needing to move. I
• 24:03
  Speaker 4: guess it's more for if you have the time, if
• 24:05
  Speaker 4: you have the luxury of time, and you do have
• 24:08
  Speaker 4: the option to kind of like go into a share
• 24:10
  Speaker 4: house or rent your own house or whatever, but it
• 24:12
  Speaker 4: could also help people who really are an urgent need
• 24:15
  Speaker 4: of you know, how accommodation. There are websites where you
• 24:18
  Speaker 4: can house sit for like long periods of time, and
• 24:23
  Speaker 4: I think that there are some that actually pay you
• 24:25
  Speaker 4: as well, so you get free accommodation. Sometimes you are
• 24:27
  Speaker 4: actually paid and you're just in someone else's house and
• 24:30
  Speaker 4: you're you know, obviously I think you need if you're
• 24:33
  Speaker 4: going to like register a on a website for other
• 24:36
  Speaker 4: people to find you, you do need some credentials or something.
• 24:39
  Speaker 4: Police checkers like that.
• 24:40
  Speaker 2: We've used one of those websites before when Steve and
• 24:42
  Speaker 2: I have gone on holiday because I don't like putting
• 24:45
  Speaker 2: my pets in categories yeah and or like the doggery
• 24:48
  Speaker 2: or whatever it is. And so they do have police checks,
• 24:51
  Speaker 2: like they all checked, and they often have really good
• 24:53
  Speaker 2: reviews so you can see what other pet parents have said,
• 24:55
  Speaker 2: like oh, Beck actually left the house so clean and
• 24:58
  Speaker 2: my pets are really happy, and that makes you like
• 25:00
  Speaker 2: feel a lot better. Yes, But then there's usually an
• 25:02
  Speaker 2: interview process too, so like you might come to my
• 25:04
  Speaker 2: place for a coffee, meet the pets, and then I
• 25:06
  Speaker 2: get a feel for you and then I go, yeah,
• 25:08
  Speaker 2: it should be great, so like it's not just like
• 25:10
  Speaker 2: a random coming into your house. I don't feel no,
• 25:12
  Speaker 2: totally so I think, Yeah, if you're in a position
• 25:15
  Speaker 2: like myself, or you just need housing, or you just
• 25:17
  Speaker 2: want to save a buck, try out house sitting. I
• 25:20
  Speaker 2: feel like that's a really good one, but I kind
• 25:22
  Speaker 2: of want to I don't know if this is building
• 25:24
  Speaker 2: on it or just questioning it. I feel like it
• 25:26
  Speaker 2: would low keep the genius even if you have accommodation
• 25:30
  Speaker 2: to house it over winter. Oh yeah, and like so
• 25:33
  Speaker 2: that you're not paying your electricity bill or your game brand,
• 25:39
  Speaker 2: go live in someone else's house, use their heater, get
• 25:44
  Speaker 2: paid for that privilege. Turn off the heater at home.
• 25:47
  Speaker 4: That's such a great idea. Or if you want it.
• 25:48
  Speaker 4: If you do want to go on holiday, you already
• 25:50
  Speaker 4: know that you're going on holiday from this period to
• 25:53
  Speaker 4: this period. If this just happens register.
• 25:56
  Speaker 2: Especially if you've booked a holiday in advance, which I'm
• 25:58
  Speaker 2: assuming most people do. Like go pop yourself up genius.
• 26:03
  Speaker 4: Yeah totally, So that's me for this.
• 26:06
  Speaker 2: I love that. I think that's a good one. Beck
• 26:08
  Speaker 2: Let's go to a really quick break because I am
• 26:11
  Speaker 2: excited to get into the nitty gritty. On the flip side,
• 26:13
  Speaker 2: we're gonna be talking about being smart with your money
• 26:15
  Speaker 2: when you're single, and then we're gonna be talking about
• 26:17
  Speaker 2: a topic that you slid into our dms about which
• 26:19
  Speaker 2: this week we're talking about what do you do when
• 26:21
  Speaker 2: you've got concerns about your partner's spending? So don't go anywhere, guys.
• 26:29
  Speaker 5: Welcome back everybody. Let's take a listen to this week's
• 26:31
  Speaker 5: money dilemma.
• 26:35
  Speaker 2: Hi. There, have you got a money dilemma you just
• 26:37
  Speaker 2: can't solve? The Sheese on the Money team is here
• 26:40
  Speaker 2: to help. Every week, we tackle your dilemmas, both big
• 26:43
  Speaker 2: and small, to answer your most burning money, career and
• 26:46
  Speaker 2: life questions. To get involved, simply head to our website
• 26:49
  Speaker 2: and leave us a short voice recording and you might
• 26:51
  Speaker 2: just find yourself on the show. Now, let's take a
• 26:54
  Speaker 2: listen to this week's money dilemma.
• 26:58
  Speaker 6: Hi. Girls. First of all, I really love your podcast
• 27:01
  Speaker 6: and Victoria your book has completely changed my life. I've
• 27:05
  Speaker 6: noticed that a lot of money diarists who call in
• 27:08
  Speaker 6: are part of a couple, but a lot of them
• 27:11
  Speaker 6: seem to be like double income, which is a little
• 27:14
  Speaker 6: bit of the wind in the back. And I notice
• 27:16
  Speaker 6: a lot of the finance talk and finance world is
• 27:20
  Speaker 6: sort of centered around a world where almost everyone seems
• 27:24
  Speaker 6: to be in a couple. I feel like, on top
• 27:26
  Speaker 6: of that, the tacks brackets are kind of stacked against singles,
• 27:31
  Speaker 6: particularly like I'm thirty seven, I'm divorced, I'm trying my
• 27:36
  Speaker 6: best on my own, I've only just started investing, and
• 27:38
  Speaker 6: I just feel like the whole finance world is screaming
• 27:41
  Speaker 6: at me to couple because it's so much easier. Do you,
• 27:46
  Speaker 6: I guess, have any tips for how to be smart
• 27:50
  Speaker 6: when you're on your own and when you're not looking
• 27:53
  Speaker 6: to couple, because I'm not really interested in sharing my finances.
• 27:57
  Speaker 2: That's a really good question, and I have been thinking
• 27:59
  Speaker 2: about this a lot recently. So first, thank you, how nice.
• 28:04
  Speaker 2: I love that you've read my book. Also, I noticed
• 28:07
  Speaker 2: your accent. Can you move in with Jess? But I
• 28:13
  Speaker 2: don't think we talk about this enough because I think
• 28:16
  Speaker 2: we are often like women power right, like, if you're
• 28:18
  Speaker 2: not in the right relationship, just leave, like you don't
• 28:21
  Speaker 2: deserve that. I totally get that. But the expense of
• 28:24
  Speaker 2: being single, especially right now, is astronomical. You are paying
• 28:29
  Speaker 2: so much more just to exist. Think about it like this, right, Like,
• 28:33
  Speaker 2: when I was twenty one, I was single, I lived
• 28:35
  Speaker 2: in a sharehouse, and if I had been listening to
• 28:37
  Speaker 2: this podcast episode, I'd be like, oh, well, it's not
• 28:40
  Speaker 2: that bad, Like I have housemates. You could just get housemates.
• 28:43
  Speaker 2: By the time you get to thirty five or forty,
• 28:46
  Speaker 2: you don't want housemates. You want your own sacred space.
• 28:49
  Speaker 2: You want your own property, and you want your own options.
• 28:53
  Speaker 2: You want your own car, like you don't want to
• 28:54
  Speaker 2: be reliant on someone else. So it literally doubles the
• 28:58
  Speaker 2: cost of Most things be significantly cheaper if you split
• 29:01
  Speaker 2: it with someone else. But even in a one bedroom apartment,
• 29:05
  Speaker 2: like let's say you've got a one bedroom apartment here
• 29:06
  Speaker 2: in Melbourne, you're paying like five hundred bucks a week.
• 29:10
  Speaker 2: Obviously that's a lot of money, but if you were
• 29:12
  Speaker 2: splitting it, it was two fifty a week. Immediately, your accommodation
• 29:15
  Speaker 2: is so much cheaper. Get a car. Maybe you live
• 29:18
  Speaker 2: in the city, you only need one car in the household,
• 29:21
  Speaker 2: but if you're single, that entire expense is on you. Groceries,
• 29:26
  Speaker 2: cleaning products, everything doubles, and it then makes the pressure
• 29:30
  Speaker 2: of going out so much higher because you know you're
• 29:33
  Speaker 2: going out. Yes, you're only paying for you, but you've
• 29:36
  Speaker 2: got all of these other expenses in the background that
• 29:38
  Speaker 2: you're coupled up friends don't have, and like you and
• 29:41
  Speaker 2: your friend, like one could be on seventy grand and
• 29:43
  Speaker 2: the others on seventy grand, but in a couple, their
• 29:46
  Speaker 2: disposable income is going to be so much higher. So
• 29:49
  Speaker 2: even though you're like, we're on part we earn the
• 29:51
  Speaker 2: same amount, you have different commitments and obligations. And I
• 29:54
  Speaker 2: think that it needs to be spoken about more. And
• 29:57
  Speaker 2: I mean, this is probably a really good time to
• 29:59
  Speaker 2: shout out some single queens in our community who are
• 30:02
  Speaker 2: doing that that want to share their stories on money diaries.
• 30:05
  Speaker 2: I am ready to chat with you, but we also
• 30:08
  Speaker 2: do have a lot of single diaries. I think the
• 30:10
  Speaker 2: best thing that you can do is use your podcasting app.
• 30:12
  Speaker 2: So if you type in single she's on the money
• 30:14
  Speaker 2: money diaries, a couple should come up. Because historically, if
• 30:18
  Speaker 2: you were looking for them by the name of the episode,
• 30:21
  Speaker 2: the SEO on podcasting apps didn't pick up the caption
• 30:25
  Speaker 2: or the show notes to explain what that diary is about.
• 30:27
  Speaker 2: Now it does, so it's much easier to find our content,
• 30:30
  Speaker 2: which we love. But I think that we need to
• 30:33
  Speaker 2: talk about more single costs it's so hard being single,
• 30:37
  Speaker 2: and I'm assuming that there are a lot of people
• 30:39
  Speaker 2: in our community who are like, look, there's nothing wrong
• 30:41
  Speaker 2: with my relationship. I'm not in love anymore, but it's
• 30:45
  Speaker 2: not worth leaving, so cbf. I'm living my best life
• 30:48
  Speaker 2: right now. I don't, particularly in this economy, want to
• 30:50
  Speaker 2: go and get a single apartment, like you know, we've
• 30:53
  Speaker 2: fallen into this, like I don't know dance of just
• 30:57
  Speaker 2: living together as housemates. I don't really want to change
• 31:00
  Speaker 2: right now because it's just too much of an upheaval.
• 31:02
  Speaker 2: I have friends in that position, and I just go,
• 31:05
  Speaker 2: what's the advice, Beck, you're good at a broke tip.
• 31:08
  Speaker 2: You've been single not now though, Yeah, what's that like
• 31:13
  Speaker 2: for you?
• 31:14
  Speaker 4: That's such a great question. And it's like it's that's
• 31:16
  Speaker 4: such a good thing that this person has pointed out
• 31:18
  Speaker 4: because I didn't even really notice. But there's something that
• 31:20
  Speaker 4: I hold very close to me is that I kind
• 31:24
  Speaker 4: of have never ever been a deity person. Like I've
• 31:27
  Speaker 4: never been like you must be with someone. It's never
• 31:30
  Speaker 4: been my life's goal, my life's dream. Before Jess, the
• 31:34
  Speaker 4: person i'm dating now, there was nothing before, Yes, nothing,
• 31:38
  Speaker 4: I didn't care I'd never thought about I love ever
• 31:41
  Speaker 4: being in a relationship, because it just like, if it
• 31:43
  Speaker 4: comes up organically, cool, if not, whatever. But I'm in
• 31:45
  Speaker 4: a very different position where I do live in the
• 31:47
  Speaker 4: sharehouse and I don't really want to live by myself
• 31:51
  Speaker 4: at the moment. I did notice this is a side note.
• 31:53
  Speaker 4: I've I started spending way more money when I started dating,
• 31:56
  Speaker 4: but that's because she's my princess you want. It is
• 32:06
  Speaker 4: such a good point because now that I'm like looking
• 32:08
  Speaker 4: at maybe wanting to buy my own apartment one day
• 32:11
  Speaker 4: and maybe wanting to live by myself one day, I'm like, oh,
• 32:14
  Speaker 4: this is so expensive, but.
• 32:15
  Speaker 2: It's astronomical even in your situation where you're like right now,
• 32:18
  Speaker 2: I'm not incurring these costs personally, But like, would living
• 32:22
  Speaker 2: on your own be an option for you.
• 32:24
  Speaker 4: At the moment? Probably not if I want to stay
• 32:27
  Speaker 4: exactly where I am, But if I want to like
• 32:29
  Speaker 4: move out a little bit more to cheaper places, absolutely
• 32:31
  Speaker 4: I could do that. I just I don't have that
• 32:34
  Speaker 4: desire at the moment. But I think, like I would
• 32:36
  Speaker 4: always this isn't really even that great advice, but I
• 32:39
  Speaker 4: would always put my own personal happiness, make sure all
• 32:42
  Speaker 4: my buckets are full in every other way. Maybe you
• 32:45
  Speaker 4: have community, maybe you have work, maybe you have friends,
• 32:47
  Speaker 4: all these other things. If at the core of myself
• 32:51
  Speaker 4: and at the end of every day I feel full
• 32:54
  Speaker 4: and happy. I have been broke for so long that
• 32:57
  Speaker 4: that doesn't actually bother me as much. But I know
• 33:00
  Speaker 4: that we're in a very different position because this person
• 33:02
  Speaker 4: who has rang in with their dilemma, I'm sure they're
• 33:05
  Speaker 4: probably in a different life stage so they can't really
• 33:07
  Speaker 4: rely on Like, as long as you're happy, it doesn't matter.
• 33:09
  Speaker 4: So I totally understand that, but I think, yeah, just
• 33:12
  Speaker 4: nothing's worth you know, your happiness. So if you're like
• 33:15
  Speaker 4: getting in a situation where you're dating someone just because
• 33:18
  Speaker 4: it's a lot actually cheaper to live, it's probably not
• 33:22
  Speaker 4: worth it at the end of the day. I know
• 33:23
  Speaker 4: that's not great money.
• 33:24
  Speaker 2: Advice, No, no, no, no, but it's real advice. And
• 33:26
  Speaker 2: I'm about to ask Jess the same question. Just is
• 33:28
  Speaker 2: in a very different situation. She lives with her partner,
• 33:31
  Speaker 2: they've got no intention of breaking up. This is a dramatization,
• 33:34
  Speaker 2: but like, Jess, what would your life look like if
• 33:38
  Speaker 2: you were single right now? Because you have a really
• 33:40
  Speaker 2: nice house, you've got, you know, a duel income, like
• 33:42
  Speaker 2: you've got two cars, all of this like stuff that
• 33:45
  Speaker 2: a lot of people go, oh my gosh, like goals.
• 33:49
  Speaker 2: But like, if you were to become single financially, what
• 33:52
  Speaker 2: do you think that would look like?
• 33:53
  Speaker 5: It's hard to picture you because I've been in a
• 33:55
  Speaker 5: relation nine years I think at this point, so well, yeah,
• 34:00
  Speaker 5: I've never When I was single, I was living in
• 34:03
  Speaker 5: a share house. I was in like iah, that's the
• 34:05
  Speaker 5: same things made me like, it's it was a very
• 34:07
  Speaker 5: different experience. I think, like, could I afford to keep
• 34:12
  Speaker 5: like if worst case there we broke up, could I
• 34:14
  Speaker 5: pay all of our rent because we're on like a lease,
• 34:15
  Speaker 5: Yes I could. Like could I continue to live my lifestyle? Yes, okay, career,
• 34:19
  Speaker 5: but I think like the big thing, thank you, But
• 34:21
  Speaker 5: I think the big thing is that exactly what our
• 34:24
  Speaker 5: listener highlighted, I would have to make compromises in your lifestyle.
• 34:28
  Speaker 5: So I probably would not like I wouldn't be able
• 34:30
  Speaker 5: to invest the money that I'm investing because that money
• 34:32
  Speaker 5: would have to go towards rent. Ye, I would probably
• 34:35
  Speaker 5: be saving significantly less if anything, towards my house deposit.
• 34:39
  Speaker 5: I would have to cut my discretionary spending, so like
• 34:41
  Speaker 5: could I keep like, could I pay my rent? Could
• 34:43
  Speaker 5: I pay my bills? Yes, but at the cost of
• 34:47
  Speaker 5: a lot of things, which I think is kind of
• 34:48
  Speaker 5: the point that our listener was making to coromise. Yeah, like,
• 34:51
  Speaker 5: is it possible to live by yourself? Of course it is,
• 34:54
  Speaker 5: but it is a lot harder, and I think it
• 34:57
  Speaker 5: would be I would find it really hard because I
• 34:59
  Speaker 5: would have to change the goalposts that I've had for
• 35:02
  Speaker 5: so long. And I can understand how for our listeners,
• 35:05
  Speaker 5: she's saying, oh, well, I'm not investing, and that might
• 35:06
  Speaker 5: be something that she's really wanting to do because she's
• 35:08
  Speaker 5: motivated and she's read the book and she's listened to
• 35:10
  Speaker 5: the show, but she's like, well, where do I get
• 35:11
  Speaker 5: the money from? And I think the really harsh reality
• 35:16
  Speaker 5: is you may not be able to just pull it
• 35:20
  Speaker 5: out of thin air, like as much as I want
• 35:21
  Speaker 5: to be able to say, oh my.
• 35:22
  Speaker 2: God, baby, actually he's a plan.
• 35:25
  Speaker 5: Yeah, Like I genuinely think like if that was me
• 35:27
  Speaker 5: in that situation tomorrow, I didn't have a boyfriend anymore
• 35:29
  Speaker 5: and I had to sort it out, like that would
• 35:31
  Speaker 5: be my reality. It would be I can't do the
• 35:33
  Speaker 5: things that I wanted.
• 35:34
  Speaker 2: She's a resourceful queen, so we know she would. Yeah,
• 35:36
  Speaker 2: like it would look different, and like there are lots
• 35:39
  Speaker 2: of like I would say, the biggest thing would be
• 35:41
  Speaker 2: to look at increasing your income decreasing your expenditure. Obviously
• 35:45
  Speaker 2: we don't know anything about what our listener, you know,
• 35:47
  Speaker 2: her personal situation, but like where you can can you
• 35:50
  Speaker 2: negotiate a pay rise, can you take on a little
• 35:52
  Speaker 2: bit of extra work, like can you get.
• 35:53
  Speaker 5: A side hustle or a second job or whatever. Can
• 35:55
  Speaker 5: you make cuts other things that you're willing to cut
• 35:59
  Speaker 5: or are even able to But beyond that, I think,
• 36:02
  Speaker 5: like I don't even fully know what to say. To
• 36:05
  Speaker 5: be honestly, it just it sucks, is what I want
• 36:07
  Speaker 5: to acknowledge.
• 36:08
  Speaker 2: Like it just you can't especially in a cost of
• 36:10
  Speaker 2: living christ Yeah, like I don't want everything's so much
• 36:13
  Speaker 2: more expensive. Yeah, And I don't want to sound tone
• 36:16
  Speaker 2: deaf in saying, well, it is what it is. But
• 36:19
  Speaker 2: I also I don't necessarily know what advice I have
• 36:23
  Speaker 2: to give you other than acknowledging that it's a shit situation,
• 36:26
  Speaker 2: and you know, if you can make those cuts and adjustments,
• 36:29
  Speaker 2: like that'll help a little bit. But like, honestly, I
• 36:32
  Speaker 2: just fully recognize that it's so much hard when you're
• 36:35
  Speaker 2: single real and I mean the grass is always greener
• 36:37
  Speaker 2: round like your friends that are coupled up that are
• 36:41
  Speaker 2: you know, maybe it's like me, right, I am so
• 36:44
  Speaker 2: happily coupled up, like I adore my husband, don't want
• 36:47
  Speaker 2: to change it. Sometimes I look at my single friend
• 36:49
  Speaker 2: and I'm like, must be nice to go out and
• 36:51
  Speaker 2: do whatever you want. Oh it's Wednesday and you're having
• 36:54
  Speaker 2: espresso martinis. Can't relate to have a baby, Like we
• 36:56
  Speaker 2: always look at different situations with rose colored glasses on.
• 37:01
  Speaker 2: And you know what, my friend's probably looking back at me,
• 37:03
  Speaker 2: going like I can't wait to find husband and finally
• 37:06
  Speaker 2: have a baby. And I think that putting blinkers back
• 37:09
  Speaker 2: on when it comes to your budget is really important here. Like,
• 37:13
  Speaker 2: I know it's tough, I know it's hard. It is
• 37:15
  Speaker 2: going to look significantly different to your coupled up friends
• 37:18
  Speaker 2: who are able to share expenses, but that is not
• 37:21
  Speaker 2: your reality, So stop comparing yourself to that situation. It's
• 37:25
  Speaker 2: like when I say, and I've said this before on
• 37:26
  Speaker 2: the podcast, you can't give a budget template to someone
• 37:30
  Speaker 2: who earns forty thousand dollars and expect that same budget
• 37:33
  Speaker 2: template to work for someone who has a four hundred
• 37:36
  Speaker 2: thousand dollar income. Not only are they going to have
• 37:39
  Speaker 2: different amounts of cash to disperse, but they could be
• 37:42
  Speaker 2: in different situations. Like that forty thousand dollars a year
• 37:45
  Speaker 2: income earner could be a single mum who you know
• 37:48
  Speaker 2: is just cutting her teeth to get by, and it's
• 37:52
  Speaker 2: incredible at this point that she's breaking even every single
• 37:54
  Speaker 2: month but can't save it, can't invest. I think we
• 37:57
  Speaker 2: need to see it often as a season of life,
• 38:00
  Speaker 2: not to say you have to couple up, because like,
• 38:02
  Speaker 2: you could be single by choice for the rest of
• 38:04
  Speaker 2: your life, and that is an epic outcome if that's
• 38:07
  Speaker 2: your choice. But I think we need to put some
• 38:09
  Speaker 2: blinkers on and go, well, what resources am I working with?
• 38:12
  Speaker 2: How much is coming into my account, what are my
• 38:14
  Speaker 2: long term goals? What do I want to achieve? Because
• 38:17
  Speaker 2: at the end of the day, every normal person has
• 38:20
  Speaker 2: to make compromises in their budget to achieve their goals.
• 38:23
  Speaker 2: And we go back to Jess right, and like, I'm
• 38:25
  Speaker 2: using you as an example because I think that it
• 38:27
  Speaker 2: is a very good example, because you know, you would
• 38:30
  Speaker 2: be in a position that a lot of people go,
• 38:32
  Speaker 2: oh my gosh, I would love to be in Jess's position,
• 38:34
  Speaker 2: where I have my house deposits saved, like I've got
• 38:36
  Speaker 2: a really nice boyfriend, Like we have two cars in
• 38:39
  Speaker 2: the driveway, like everything's okay, we're paying rent. But for
• 38:43
  Speaker 2: me to compare that person to you, it's crippling them
• 38:47
  Speaker 2: because even with that lifestyle that other people are envious of, Jess,
• 38:51
  Speaker 2: there are still things that I know you're making compromises on.
• 38:53
  Speaker 5: Yeah, like there are still.
• 38:54
  Speaker 2: Things that Jess is like, oh, I'm definitely not able
• 38:57
  Speaker 2: to do, you know. And we've had this conversation before.
• 39:00
  Speaker 2: You're like, I really love pilates, but I'm not going
• 39:02
  Speaker 2: to do two classes a week. I'm going to drop
• 39:04
  Speaker 2: back to one because it's just getting expensive. And I'm
• 39:08
  Speaker 2: not saying like that's a luxury. It's just an example.
• 39:10
  Speaker 2: Don't for two seconds think that I am completely dystopian
• 39:14
  Speaker 2: in the type of lifestyles we lead. But even Jess
• 39:18
  Speaker 2: is making compromises to live the lifestyle that she wants
• 39:21
  Speaker 2: to live, and I mean we all do that, So
• 39:24
  Speaker 2: I think it's don't compare yourself to others. Yeah, not
• 39:27
  Speaker 2: only are you not on the same journey, but you
• 39:30
  Speaker 2: just don't even have the same resources. Like if Jess
• 39:33
  Speaker 2: compared herself to me, it's completely different. Again, I also
• 39:37
  Speaker 2: have a completely different set of expenses that Jess is
• 39:40
  Speaker 2: not incurring. I pay for daycare, I pay for nappies,
• 39:44
  Speaker 2: I pay for formula, and just like, oh, they wouldn't
• 39:46
  Speaker 2: be in my budget. Yeah, so why are we looking
• 39:48
  Speaker 2: at the way that I do things? And I think
• 39:50
  Speaker 2: that's why I get so frustrated when I see these
• 39:53
  Speaker 2: percentage based budgets recommend it and people go theye, well,
• 39:57
  Speaker 2: how much should I be saving? Well, I don't know,
• 40:00
  Speaker 2: because I haven't had time to break down your entire
• 40:04
  Speaker 2: budget and work out what your non negotiable costs are
• 40:07
  Speaker 2: and what discretionary income we have left to play with.
• 40:10
  Speaker 2: And that's what we should be talking about. None of
• 40:12
  Speaker 2: this like, oh, Jess, you actually need to be saving
• 40:14
  Speaker 2: ten percent, because ten percent for someone on four hundred grand,
• 40:17
  Speaker 2: that's so much money. Yeah, ten percent for someone who
• 40:21
  Speaker 2: is on forty thousand dollars and a single mum mate,
• 40:24
  Speaker 2: that's way too much. There's no room in her budget
• 40:27
  Speaker 2: to save. So we need to just look at our
• 40:30
  Speaker 2: own situations and go, well, with the situation I'm in
• 40:33
  Speaker 2: and the resources that are coming in, what is possible
• 40:35
  Speaker 2: and what does this look like? And then if you're
• 40:38
  Speaker 2: not happy with that, what levers can we trigger to change?
• 40:41
  Speaker 2: And what compromise are we making? And it's not something
• 40:44
  Speaker 2: you want to hear, right, like no one wants to hear,
• 40:46
  Speaker 2: Oh beck will actually to achieve the life you want,
• 40:50
  Speaker 2: it's actually going to mean compromising, Like no one wants that.
• 40:53
  Speaker 2: I don't want to hear that. You don't want to
• 40:54
  Speaker 2: hear that. But that's the reality of the situation. And
• 40:57
  Speaker 2: while it's not that sexy, that's something we can work with, Like,
• 41:00
  Speaker 2: that's something we can take and go Okay, well, actually
• 41:02
  Speaker 2: that's quite tangible. I'm gonna go do this for me.
• 41:05
  Speaker 2: I'm going to create a plan. I'm going to see
• 41:07
  Speaker 2: if that works. And if investing is a goal, how
• 41:10
  Speaker 2: much do you have? If saving for a holidays a goal,
• 41:13
  Speaker 2: what's that going to look like? And there are just
• 41:15
  Speaker 2: lots of different levers that we can pull. You want
• 41:17
  Speaker 2: to go on a holiday back, great, how much is
• 41:19
  Speaker 2: it going to cost? Five grand? Okay, holy moly? How
• 41:23
  Speaker 2: long is that going to take you. It might take longer,
• 41:25
  Speaker 2: but it doesn't mean we can't achieve the same thing. Yes,
• 41:29
  Speaker 2: So I think that's probably where I would go with it.
• 41:31
  Speaker 2: And it's back to the blinkers, like, stop comparing yourselves,
• 41:34
  Speaker 2: because I've just gone around the table and there are
• 41:37
  Speaker 2: very different experiences. But we're in the same company, we're
• 41:40
  Speaker 2: in the same group, and still we're not comparable.
• 41:43
  Speaker 4: Yes, that's so true. I do would to say one
• 41:45
  Speaker 4: last thing, really, really really I love this just in
• 41:48
  Speaker 4: case our listener is in this kind of like because
• 41:52
  Speaker 4: I feel like societally we are living in a world
• 41:55
  Speaker 4: where it is assumed that you're in a couple. Yeah,
• 41:58
  Speaker 4: I really really don't like But anyway, that's the story
• 42:02
  Speaker 4: for another time. There are so many like assumptions here,
• 42:04
  Speaker 4: and one of them is that once you hit a
• 42:06
  Speaker 4: certain age, you're no longer allowed to live in a
• 42:08
  Speaker 4: sharehouse because it's like I don't know a mate.
• 42:10
  Speaker 1: No.
• 42:10
  Speaker 4: Basically, just in case our listener has that on their
• 42:13
  Speaker 4: radar but is thinking like, I don't know if I'm
• 42:16
  Speaker 4: I don't know, too old or too whatever. I mean,
• 42:18
  Speaker 4: if you want your own space, if you want to
• 42:20
  Speaker 4: do that, of course, but just in case that's a thought.
• 42:23
  Speaker 4: You are never ever too old, especially in this economy.
• 42:27
  Speaker 4: A lot of people, a lot of like people who
• 42:29
  Speaker 4: once were in relationships or just never have been or
• 42:32
  Speaker 4: just never want to be kind of like getting together
• 42:34
  Speaker 4: in this beautiful like you can find some really beautiful.
• 42:37
  Speaker 2: Friend single back like ever single. Yeah, I won't live alone.
• 42:41
  Speaker 4: No, it's it's quite. But you can also you know
• 42:45
  Speaker 4: sometimes friend, Yeah, you've made some and you can like
• 42:49
  Speaker 4: find these people like very flos or whatever your state's
• 42:51
  Speaker 4: equivalent is, find people that are similar to your age
• 42:55
  Speaker 4: or similar personality or whatever.
• 42:57
  Speaker 2: Very terrible housemate, Kick him out, Kick him out.
• 43:00
  Speaker 5: That's a great story.
• 43:01
  Speaker 2: Yeah, like my housemate who used to still my underwear. Anyway,
• 43:04
  Speaker 2: moving on, we have.
• 43:07
  Speaker 5: Another relationship seemed question actually today I'm excited about this one.
• 43:11
  Speaker 4: Guys.
• 43:12
  Speaker 2: So we had a DM this week and it sounded
• 43:15
  Speaker 2: a lot like this because I'm going to read it
• 43:17
  Speaker 2: to you for Baden Becka. You ready. So she's on
• 43:19
  Speaker 2: the money. I think my partner has an Amazon addiction.
• 43:23
  Speaker 2: He pays for the Prime membership for the free postage,
• 43:26
  Speaker 2: so it's his go to whenever he wants to shop.
• 43:29
  Speaker 2: Now it's getting to the stage where a package turns
• 43:31
  Speaker 2: up every other day. When I bring it up, he
• 43:33
  Speaker 2: gets defensive and says, they're all things we need. But
• 43:37
  Speaker 2: I think that they're nice to have, and I don't
• 43:39
  Speaker 2: think we'd buy them if Amazon wasn't so convenient with
• 43:42
  Speaker 2: the postage that he's already paid for. I don't want
• 43:45
  Speaker 2: to police his purchases. But all of these costs are
• 43:48
  Speaker 2: really adding up, and we've got goals we're meant to
• 43:51
  Speaker 2: be saving four Can you please help? Sounds like my house.
• 43:56
  Speaker 2: I think if you're my husband at me.
• 44:00
  Speaker 4: I think that like if it starts to eat into
• 44:03
  Speaker 4: your future goals, so I mean, I guess it would
• 44:06
  Speaker 4: be if you're like spending so much money on Amazon
• 44:08
  Speaker 4: or whatever it might be, if you have like future
• 44:11
  Speaker 4: goals that you set together and that's really encroaching on that.
• 44:15
  Speaker 4: Then it's all about communication, isn't it. Wow, It's key.
• 44:20
  Speaker 2: It's like we could just delete this entire segment of
• 44:24
  Speaker 2: our podcast ever, replace it with just a quicker reminder
• 44:27
  Speaker 2: that communication is key.
• 44:28
  Speaker 5: All right, have a good day, guys, exactly.
• 44:31
  Speaker 4: But I think if if you're like with me and
• 44:34
  Speaker 4: my partner, for example, like our finances aren't tied together.
• 44:37
  Speaker 4: So I feel like if I was in a posision
• 44:39
  Speaker 4: where I was not yet exactly and who knows.
• 44:42
  Speaker 2: But anyway, honestly, I'm at the point where I'm surprised
• 44:44
  Speaker 2: they aren't living together yet. Like it's just it's very
• 44:47
  Speaker 2: you hold it, but.
• 44:49
  Speaker 4: We are very alternative. Actually we will be together very.
• 44:56
  Speaker 2: When she was saying, you know, I might want to
• 44:58
  Speaker 2: live by myself at some stages, like really, really you do,
• 45:02
  Speaker 2: that's really cute.
• 45:03
  Speaker 4: I'm trying so hard not to like live this very
• 45:06
  Speaker 4: stereotypical lifestyle.
• 45:08
  Speaker 2: It's my favorite thing. Like my best friend is gay
• 45:13
  Speaker 2: as well, and whenever she's met someone historically, I'm always like,
• 45:17
  Speaker 2: so how long until you move in? And she's like, no,
• 45:19
  Speaker 2: it won't happen. Won't happen, Like we're not silly, Victoria.
• 45:22
  Speaker 2: And then the next week so we signed a lease.
• 45:25
  Speaker 2: Really I didn't see that coming's.
• 45:29
  Speaker 4: Gonna be for sure. Yeah, I guess like at this
• 45:31
  Speaker 4: point our finances aren't iied together. So if I was
• 45:35
  Speaker 4: spending all my money on something that made me happy
• 45:38
  Speaker 4: or just like was maybe like an addiction of some kind,
• 45:41
  Speaker 4: that is my own problem to deal with. And she
• 45:44
  Speaker 4: can like have a little say and like be like, oh,
• 45:46
  Speaker 4: I'm noticing your maybe addicted to buying things on Amazon.
• 45:50
  Speaker 4: But that's like, that's as far as it goes in
• 45:52
  Speaker 4: terms of like affecting her and vice versa. So I
• 45:54
  Speaker 4: guess if you're at that point, like again like cute communication,
• 45:57
  Speaker 4: but if it's not affecting you, ah in your financial goals,
• 46:02
  Speaker 4: I guess it still is in an indirect way. Yeah,
• 46:06
  Speaker 4: I really feel like that's a very annoying than say
• 46:09
  Speaker 4: that communication.
• 46:09
  Speaker 2: Everything just got argue you also have an Amazon addiction.
• 46:13
  Speaker 5: I love Chek, I do Do you pay for Prime?
• 46:17
  Speaker 1: Of course?
• 46:18
  Speaker 5: Yet me too?
• 46:22
  Speaker 2: They just I don't even know. I think it's carry
• 46:25
  Speaker 2: a pigeon beck, Like the stuff gets there so quick.
• 46:28
  Speaker 5: It's the fact that I ordered something that I did,
• 46:31
  Speaker 5: realized I needed very last minute at like eleven o'clock,
• 46:34
  Speaker 5: and by eight am the next morning my doors. Really
• 46:37
  Speaker 5: it was crazy. Who crazy?
• 46:41
  Speaker 2: That's actually more efficient than waiting for JB High Fighter
• 46:44
  Speaker 2: open and going out and getting it myself there. Like
• 46:46
  Speaker 2: so I can empathize, but jess if it was becoming
• 46:49
  Speaker 2: a problem, what will be a look at To me?
• 46:51
  Speaker 5: It's a very simple solution, and I don't know if
• 46:54
  Speaker 5: that means that I'm oversimplifying it, But it's just a
• 46:57
  Speaker 5: matter of how much money do you have allocated for
• 46:59
  Speaker 5: just verationary spending's going.
• 47:01
  Speaker 2: To go with it. I was like, have you done
• 47:03
  Speaker 2: a budget? No one wants to hear that anymore, Like
• 47:06
  Speaker 2: everyone's over me going budget budget, budget, budget.
• 47:10
  Speaker 5: But it's like it's for a reason if you I'm
• 47:12
  Speaker 5: assuming they're sharing expenses because she's saying that it's compromising
• 47:15
  Speaker 5: their shared goals, in which case I would say that
• 47:18
  Speaker 5: when you share expenses, and obviously it's totally up to
• 47:21
  Speaker 5: you as a couple how you structure your expenditure, but
• 47:26
  Speaker 5: you should each have an allocation from my perspective of
• 47:29
  Speaker 5: money that you can spend on whatever you want. So
• 47:32
  Speaker 5: like you each get twenty bucks a week or fifty
• 47:34
  Speaker 5: bucks a week or whatever fits within.
• 47:36
  Speaker 2: Your budget, and that's not questioned.
• 47:38
  Speaker 5: Yeah. Literally, it's like you, that's your money. If you
• 47:40
  Speaker 5: want to buy a coffee every day, if you want
• 47:41
  Speaker 5: to go out for drinks on Friday night, if you
• 47:43
  Speaker 5: want to buy ten million things on Amazon, as long
• 47:46
  Speaker 5: as it fits within that allocated money, that's your money
• 47:49
  Speaker 5: to spend. Anything outside of that then becomes Okay, that
• 47:53
  Speaker 5: is a cost that needs to be discussed because you've
• 47:55
  Speaker 5: got your money that's allocated for spending, for fun money,
• 47:58
  Speaker 5: as Victoria calls it. If you've spent your fun money,
• 48:01
  Speaker 5: then it's kind of you need to talk, well, are
• 48:03
  Speaker 5: we going to take more money away from our holiday
• 48:06
  Speaker 5: fund or whatever it is? To me, it's as simple
• 48:09
  Speaker 5: as that. So if you don't have allocated discretionary spending,
• 48:13
  Speaker 5: implement it. If you do have it and he's going
• 48:15
  Speaker 5: over it, then it's a conversation that needs to be
• 48:17
  Speaker 5: had about, Okay, well we set these ground rules or
• 48:20
  Speaker 5: these amounts of money that we could spend, and you're
• 48:23
  Speaker 5: going over that, and that's compromising other things. So do
• 48:26
  Speaker 5: we need to redo our budget or do you need
• 48:28
  Speaker 5: to stop pressing ad to cut? And you know that's
• 48:30
  Speaker 5: a conversation between you guys.
• 48:32
  Speaker 2: But is that like that's quite simple. I know that
• 48:36
  Speaker 2: it's probably a bit emotionally charged as well, because you're
• 48:39
  Speaker 2: probably seeing all these packages arrive and every single time
• 48:43
  Speaker 2: you see them arrive, you're probably getting like, oh another one,
• 48:45
  Speaker 2: Like you're getting frustrated with this. So we need to
• 48:48
  Speaker 2: probably sit down and do as Jess is recommending, go
• 48:51
  Speaker 2: have a look at your budget. What is going on there?
• 48:54
  Speaker 2: Is this actually coming out of their fund money? If not,
• 48:57
  Speaker 2: what is it coming out of and have you, I
• 48:59
  Speaker 2: guess zoomed out and looked at the bigger picture you
• 49:02
  Speaker 2: mentioned before my fun money, And I think that it's
• 49:05
  Speaker 2: a really good idea to label it that way. I know,
• 49:08
  Speaker 2: so like actually's on the money We pay monthly, right,
• 49:10
  Speaker 2: So I get my income into my account every month,
• 49:14
  Speaker 2: but then I have an autodirect debit transfer that happens
• 49:18
  Speaker 2: every single week on a Thursday to my fun money account.
• 49:22
  Speaker 2: And I know if I wanted to purchase something on
• 49:24
  Speaker 2: Amazon but there was nothing in there, I just put
• 49:25
  Speaker 2: it off a bit until I have more fun money.
• 49:27
  Speaker 2: And I think that that helps me a lot because
• 49:30
  Speaker 2: I know it's a consistent, Like I know that every
• 49:33
  Speaker 2: single week I have that amount that I can spend
• 49:36
  Speaker 2: money on and it's not eating into our bigger goals.
• 49:39
  Speaker 2: It would be a bigger conversation for Steve and I
• 49:42
  Speaker 2: if it was and I was moving money from different
• 49:44
  Speaker 2: places to make these purchases. But for me, I'm like, oh,
• 49:47
  Speaker 2: I spent it all, Okay, I wait to next Thursday.
• 49:50
  Speaker 2: I'm still going to order it like it's still happening.
• 49:52
  Speaker 2: But I'm allowed to do that because that's within our
• 49:55
  Speaker 2: budgeting like parameters, I suppose, So is it within that?
• 50:00
  Speaker 2: If not, how are you going to manage for that?
• 50:03
  Speaker 2: If you feel like you're not on the same page
• 50:06
  Speaker 2: about budgeting and spending and all of these purchases, I
• 50:10
  Speaker 2: would argue that bringing up his Amazon purchases as the
• 50:13
  Speaker 2: main point of the conversation isn't a good idea. I'd
• 50:16
  Speaker 2: actually go, Hey, I'm feeling a little bit in disarray.
• 50:19
  Speaker 2: I'd really love to do a refresh, like let's just
• 50:23
  Speaker 2: do a brand new budget, start from scrap should we
• 50:26
  Speaker 2: can go through all of our expenses and that way, one,
• 50:29
  Speaker 2: you're doing a really nice financial health check on your
• 50:32
  Speaker 2: own financial health. But you're also able to bring this
• 50:36
  Speaker 2: up as a really small part of a bigger conversation
• 50:39
  Speaker 2: about where as a couple you're heading. Because it can
• 50:42
  Speaker 2: be quite confrontational. I know that if I went to
• 50:44
  Speaker 2: Jess and said, Jess, you're spending too much on Amazon,
• 50:46
  Speaker 2: she'd be like, what, No, I'm not. You spend so
• 50:49
  Speaker 2: much on drinks, and you know, you go out with
• 50:51
  Speaker 2: your friends and you're always paying for coffee she might
• 50:54
  Speaker 2: be right, like she might be spending her fun money
• 50:57
  Speaker 2: and mine just looks different. But because I don't have
• 51:00
  Speaker 2: anything physical that I bring homese is so much more
• 51:03
  Speaker 2: visible than mine. So I think we need to just
• 51:06
  Speaker 2: zoom out a bit, have a look at the big picture, communicate,
• 51:09
  Speaker 2: and do a budget. That's usually what gets everyone back
• 51:12
  Speaker 2: on the same page. And then if you identify that
• 51:15
  Speaker 2: that is an issue that is eating into your goals,
• 51:18
  Speaker 2: then we can have a conversation about what that looks
• 51:21
  Speaker 2: like and how maybe we could change that or maybe
• 51:23
  Speaker 2: setting limits. Because at the end of the day, I
• 51:27
  Speaker 2: think we need to enjoy the journey, like we need
• 51:29
  Speaker 2: to be enjoying life at the same time as working
• 51:32
  Speaker 2: towards financial freedom. I mean, don't get me wrong, the
• 51:35
  Speaker 2: fire community financial independence retire early, they wouldn't have this,
• 51:40
  Speaker 2: But I think that to be on the best page.
• 51:42
  Speaker 2: Guess what I'm going to say. Communication, Oh yeah, that
• 51:46
  Speaker 2: a part, a really healthy part of communication is clarity, right,
• 51:51
  Speaker 2: and to give yourself clarity. Conversation tools and communication tools
• 51:56
  Speaker 2: do look like budgets and things that you can bring
• 51:59
  Speaker 2: to the table that are structured, so these conversations aren't
• 52:02
  Speaker 2: as emotional they're not, Jess, I feel like you're spending
• 52:05
  Speaker 2: too much. They are. Hey, I can see from the
• 52:07
  Speaker 2: budget that we are overspending in this area. How can
• 52:10
  Speaker 2: we strip that back? And then it can be an
• 52:12
  Speaker 2: open conversation where no one feels like they're being attacked,
• 52:15
  Speaker 2: because the second you start attacking someone, especially about money,
• 52:19
  Speaker 2: they're going to shut down and never want to talk
• 52:20
  Speaker 2: to you again. I don't want to talk about money
• 52:22
  Speaker 2: if you're going to make me feel bad about it.
• 52:24
  Speaker 2: That's not for me. Thanks, though, I'd actually prefer to
• 52:27
  Speaker 2: go back into debt.
• 52:28
  Speaker 4: Yeah. What did the community have to say?
• 52:31
  Speaker 2: So we did, as always ask the community. First question
• 52:33
  Speaker 2: we asked was should both partners agree on a purchase
• 52:36
  Speaker 2: if it is not considered to be necessary. Forty six
• 52:39
  Speaker 2: percent of you said yes, Agreement is key in relationships.
• 52:42
  Speaker 2: Fifty four percent of you said no. Each person can
• 52:45
  Speaker 2: decide for themselves. Do you discuss unnecessary purchases or are
• 52:50
  Speaker 2: you like me and you just have fun money? And
• 52:51
  Speaker 2: if it's above and beyond fun money, we have to
• 52:53
  Speaker 2: discuss it.
• 52:54
  Speaker 5: We don't share funds, so it's a household purchase.
• 52:57
  Speaker 2: What if you're going to buy a TV like New
• 52:59
  Speaker 2: TV for the launde room.
• 53:01
  Speaker 5: Yeah, if we were going to buy like a big
• 53:02
  Speaker 5: piece of furniture or something, that would be a conversation
• 53:04
  Speaker 5: for sure, probably aesthetics.
• 53:07
  Speaker 4: I would imagine you're probably like.
• 53:09
  Speaker 5: Yeah, I'm like I'm probably wanting the more expensive, pretty
• 53:11
  Speaker 5: item and he's like, the fifty dollars whatever is fine
• 53:14
  Speaker 5: if you I mean, sit down, sit down, sir. You
• 53:17
  Speaker 5: don't get it. There's a conversation to be had there.
• 53:19
  Speaker 2: But is there a limit? Do you reckon? Like do
• 53:22
  Speaker 2: we need to discuss a fifty dollar purchase?
• 53:24
  Speaker 5: It's hard to take because for us, the only things
• 53:26
  Speaker 5: that we share expenses for are like Bill's groceries, rent imature. Yeah,
• 53:31
  Speaker 5: pretty much. I think like anything to me, yeah, kind
• 53:35
  Speaker 5: of anything over fifty bucks feels expensive, especially if it's out,
• 53:38
  Speaker 5: Like if I had to buy laundry detergent pods, which
• 53:41
  Speaker 5: are like sixty dollars or see I got.
• 53:44
  Speaker 2: A bug in the other date reject shop though came
• 53:46
  Speaker 2: down to like thirty cents a pod.
• 53:48
  Speaker 5: You're welcome love the reatar shop. You mean, so like
• 53:50
  Speaker 5: if it was something like that that, like, yes, it's
• 53:51
  Speaker 5: technically over the fifty dollar limit, but like we need
• 53:53
  Speaker 5: it then no. But if it was, Oh, I want
• 53:56
  Speaker 5: to buy us a sixty dollar vase from shared funds.
• 54:00
  Speaker 5: Not that that's something we would spend shared funds on,
• 54:02
  Speaker 5: but if that was the case, then yeah, that would
• 54:04
  Speaker 5: be a conversation for us.
• 54:05
  Speaker 2: I feel like I still are and I don't know
• 54:07
  Speaker 2: if this is a bad thing or not, but when
• 54:11
  Speaker 2: I want to make a big purchase, I still ask Steve,
• 54:15
  Speaker 2: even though it's my own money, because I kind of
• 54:17
  Speaker 2: want validation fair. I'm like, oh, so I'm thinking about
• 54:21
  Speaker 2: buying this coat. It's kind of expensive. Do you think
• 54:24
  Speaker 2: it's cute? Do you think I'm going to get were?
• 54:26
  Speaker 2: I'm not really asking him if I can buy it.
• 54:28
  Speaker 2: I'm kind of like discussing the purchase. It's yeah, I'm like,
• 54:32
  Speaker 2: do you like it? He's the worst friend when it
• 54:34
  Speaker 2: comes to fashion. No bare, He's like, no, yeah, if
• 54:37
  Speaker 2: you feel good in it, you should get it. So
• 54:38
  Speaker 2: that's not what I'm asking. That is not what I'm asking.
• 54:41
  Speaker 2: He's like, is it a trap? Like every time I
• 54:44
  Speaker 2: do I look good? He's like, this is a trap?
• 54:46
  Speaker 5: Like the answer is always The answer.
• 54:47
  Speaker 2: Is always yes, Like it's not a trap. You should
• 54:49
  Speaker 2: have learnt by now. Next question that we asked the community,
• 54:52
  Speaker 2: We said, is it okay to set spending limits for
• 54:54
  Speaker 2: your partner if you're worried about their online shopping habits.
• 54:58
  Speaker 2: Sixty four percent of you said yes, it's reasonable budgeting,
• 55:01
  Speaker 2: and thirty six percent of you said no, that's true controlling.
• 55:04
  Speaker 5: I think for me, it's the free like you have
• 55:05
  Speaker 5: to set it together. Like I don't think I could
• 55:07
  Speaker 5: turn around and say to my partner you can only
• 55:10
  Speaker 5: spend one hundred dollars a week.
• 55:11
  Speaker 2: I'm not your mum exactly.
• 55:12
  Speaker 5: Like I think you should come to that decision together
• 55:15
  Speaker 5: about your shared expenses.
• 55:17
  Speaker 2: Yeah, and I think again, get this, this is gonna
• 55:20
  Speaker 2: really blow your minds. Actually comes back to your budget.
• 55:23
  Speaker 2: So like you will have worked out all of your
• 55:26
  Speaker 2: non negotiable costs, those things that we can't avoid. Then
• 55:29
  Speaker 2: we're going to see what discretionary cash we have available
• 55:31
  Speaker 2: to allocate. We're going to set our savings and investments,
• 55:34
  Speaker 2: and then from there we're going to have some cash
• 55:35
  Speaker 2: left over to play with. Once that's allocated. I'm not saying, Jess,
• 55:39
  Speaker 2: you can only spend that. I'm saying to achieve everything
• 55:42
  Speaker 2: that we're achieving, this is the amount allocated each month
• 55:46
  Speaker 2: for us to play with, and if you want to
• 55:47
  Speaker 2: earn more, we need to go back to the drawing board.
• 55:51
  Speaker 2: Either reshuffle the budget to make a little bit more
• 55:53
  Speaker 2: wiggle room, or look at things like increasing our income
• 55:56
  Speaker 2: or moving to a different location or everything. Unfortunately is
• 56:01
  Speaker 2: about compromise because we can't just have our cake and
• 56:03
  Speaker 2: eat it too, And like that's sad but true. We did,
• 56:07
  Speaker 2: as always, asked the community for their two cents, and
• 56:10
  Speaker 2: we had a couple of really good comments. So someone said,
• 56:12
  Speaker 2: sounds like they need discretionary spending limits. Each can spend
• 56:16
  Speaker 2: x amount per week without asking permission. Feel like that's
• 56:18
  Speaker 2: a great place to start. Someone else said, my partner
• 56:22
  Speaker 2: didn't tell me I couldn't purchase things, but helped me
• 56:24
  Speaker 2: see it wasn't worth it. And I'm actually really glad
• 56:27
  Speaker 2: that's nice. Someone else said, I too, am the Amazon
• 56:31
  Speaker 2: addict in the situation, so I'm just here for the
• 56:33
  Speaker 2: advice police. I love that someone else said, create a
• 56:37
  Speaker 2: spreadsheet just for him to record the amount of value
• 56:40
  Speaker 2: in each month. It might help to be able to
• 56:43
  Speaker 2: see the bigger picture. I think that's a pretty good one,
• 56:46
  Speaker 2: But again, I feel like i'd be pretty pissed off
• 56:50
  Speaker 2: if you did that to me, like being honest, if
• 56:54
  Speaker 2: somebody sat me down, if my husband sat me down
• 56:56
  Speaker 2: and said, I think that your online spending is a
• 56:58
  Speaker 2: little bit much, So I've created a spreadshee en, I've
• 57:00
  Speaker 2: documented all the costs, so I'd be like, Okay, there's
• 57:03
  Speaker 2: no other way for me to feel except for attack here.
• 57:06
  Speaker 2: So I feel like again, going back to the bigger
• 57:08
  Speaker 2: picture is more constructive. But if it works for you,
• 57:12
  Speaker 2: give it a crack. Someone else said, you can offer
• 57:15
  Speaker 2: an opinion, but you can't control what someone else chooses
• 57:18
  Speaker 2: to spend their money on, which I think is really
• 57:20
  Speaker 2: important as well. True we said just before, Jess, we're
• 57:23
  Speaker 2: not your parents, like You're in a relationship, and a
• 57:26
  Speaker 2: relationship is give and take, and it's about equal contribution.
• 57:29
  Speaker 2: So I think it's important to remember that. Someone else said,
• 57:32
  Speaker 2: imagine what we would say if a husband tried to
• 57:35
  Speaker 2: control his wife's spending totally.
• 57:38
  Speaker 5: You know it's not for the gender lens on it,
• 57:41
  Speaker 5: but you know it goes both ways.
• 57:43
  Speaker 2: And then we'll leave you with one last one. Someone
• 57:46
  Speaker 2: else said, is he still contributing to what was agreed
• 57:49
  Speaker 2: to for the joint goals? If so, it's then his
• 57:52
  Speaker 2: money to spend. Yeah, so I feel like that's fair
• 57:54
  Speaker 2: just because you don't see value in the things he
• 57:56
  Speaker 2: sees value in. Maybe that's a bigger conversation. But again,
• 58:01
  Speaker 2: just do a budget. Start from scrappy.
• 58:03
  Speaker 5: It's crazy.
• 58:04
  Speaker 2: I get this. There's actually an entirely free one on
• 58:08
  Speaker 2: my website. You can download it for free. I made it,
• 58:11
  Speaker 2: so you know.
• 58:12
  Speaker 5: It's going to be good.
• 58:14
  Speaker 2: It's truly good.
• 58:15
  Speaker 5: Yeah.
• 58:16
  Speaker 2: There's lots of stuff on the resources page too. Just
• 58:18
  Speaker 2: a little shout out to that web page because everybody
• 58:21
  Speaker 2: dms us and says where do I get those savings hacks?
• 58:23
  Speaker 2: All those savings goals? They're just on our website. You
• 58:25
  Speaker 2: can download them, you can print them, you can frame them,
• 58:27
  Speaker 2: you can do whatever you want with them. You can
• 58:30
  Speaker 2: hand them out at work, you can put it on
• 58:31
  Speaker 2: your fridge. I don't care what you do with them,
• 58:33
  Speaker 2: as long as you're saving money. So with that, let's
• 58:36
  Speaker 2: leave it. Have a good week, guys, and we will
• 58:38
  Speaker 2: see you bright and early on Monday for a money diary. Bye, guys. Bye.
• 58:48
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• 58:51
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• 58:54
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• 58:58
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• 59:00
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• 59:03
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• 59:07
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