April 24, 2025 • 49 mins
This episode is all about those moments when you know something’s not working, but you don’t know how to change it. Whether it’s setting boundaries around your time, charging what you’re worth, or figuring out how to leave a relationship that no longer serves you… when money’s involved, it gets complicated. We’re getting into what keeps people stuck, how to start building a way out (even if it feels impossible right now), and where you can turn for help that’s real and judgment-free. And because it’s a Friday show, we’re also lightening the mood with your favourite money wins and chaotic broke tips (Cheesels over chips? Discuss).
The National Debt helpline is a free resource you where can speak to financial councillors about your debt. Call 1800 007 007 or visit https://ndh.org.au/
Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here.
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Hello.
Speaker 2 (00:01):
My name is Santasha Nabananga Bamblet. I'm a proud or
the Order Kerni Whaltbury and a waddery woman. And before
we get started on She's on the Money podcast, I
would like to acknowledge the traditional custodians of the land
of which this podcast is recorded on a wondery country,
acknowledging the elders, the ancestors and the next generation coming
(00:22):
through as this podcast is about connecting, empowering, knowledge sharing
and the storytelling of you to make a difference for
today and lasting impact for tomorrow.
Speaker 1 (00:33):
Let's get into it. She's on the Money. She's on
the Money.
Speaker 3 (00:57):
Hello, and welcome to She's on the Money podcast that
makes personal finance fun, especially on Fridays. It is our
favorite day of the week because we get the team
together and we celebrate you the incredible She's on the
Money community. Mister Skrieky is here as always, and she's
going to be sharing our favorite money wins. I think
one of her money wins, Beck is going to be
(01:18):
discount easter eggs. Probably yep, fantastic.
Speaker 1 (01:21):
Beck.
Speaker 3 (01:21):
You're here obviously, and you're going to be sharing your
broke tips. We're going to be helping to answer a
money dilemma, which this week is all about setting boundaries
and knowing your worth and something that you slid into
our dms about what do you do when you want
to leave a relationship but you can't financially afford.
Speaker 1 (01:38):
To do so?
Speaker 3 (01:39):
Oh, I feel like that is a really good topic
to discuss. But before we get into the deep juicy stuff,
I need to know how have your weeks been, Jessica.
Speaker 1 (01:49):
Have you gotten discount Easter eggs?
Speaker 4 (01:50):
Oh?
Speaker 5 (01:50):
You know, I was at the shop in the mornings
scooping them up, But you know what, half price this
year feels like full price last year.
Speaker 1 (01:58):
So discussing, I'm getting why is that good? Why were
they fifteen dollars? Crazy?
Speaker 5 (02:04):
I opted for baking all my Easter stuff this year
because I was just like, no, it's so.
Speaker 3 (02:08):
Great, actually way better. And yeah, just made these like
Easter egg nests with.
Speaker 1 (02:14):
What are they called the mini eggs?
Speaker 3 (02:16):
Yep, the mini eggs, but like the conchy mini eggs. Oh,
she found them so.
Speaker 6 (02:20):
Hard, hunt.
Speaker 5 (02:21):
I had to buy the little individual tidy packets because
they were all God, I literally bought like fifteen I
was like, I feel like a bad person because I'm
taking all.
Speaker 6 (02:28):
These nicecrew it I need them.
Speaker 1 (02:30):
Yeah, but then she made it for me, so slaighty.
Speaker 7 (02:33):
They're just so good and you're so cute, Jessa. It's
so sweet of you.
Speaker 2 (02:37):
Cute.
Speaker 6 (02:38):
I was your weekend, your Easter really nice?
Speaker 7 (02:41):
My dad was randomly in Melbourne, so okay nice, Yeah random,
So that was a nice just like you know, extra
for the weekend. And then yeah, just saw some friends
ate a lot of chucky and yeah, having a great
time over here.
Speaker 1 (02:58):
I love that about you.
Speaker 3 (02:59):
Oh, mine was full of renovations actually, so we've recently
finished our bathrooms, which you'll see all over my social
media very very soon.
Speaker 1 (03:09):
But I also decided, and I.
Speaker 3 (03:11):
Feel like this is this is big, Jess is going
to be like I would never I have sacrificed my
walking wardrobe to make it my son's bedroom because we
have a split level house and upstairs there's one bedroom.
There was like a walking wardrobe downstairs were the additional bedrooms.
I didn't want Harvey to be like all the way downstairs,
(03:34):
like in the night, Like that just didn't fare like,
it just didn't feel right. So we have made a
very small bedroom upstairs by like knocking out a wall,
putting in a new one, and now I just have
an Ikea packs wardrobe like it's built into the wall.
We've done I would say a pretty good job of it,
but we've like built it into the wall as opposed
to having a walk in wardrobe. So we've lost a
(03:56):
lot of wardrobe space, which I don't think Jess would
ever consent to. But it means that Harvey can have
his own little bedroom upstairs, like right next to our bedroom.
Ye cute just feels right, Yeah that makes any sense.
Speaker 1 (04:09):
I don't know.
Speaker 3 (04:09):
I never thought i'd be this needy mum like Beck.
I just really didn't see this coming. Like I did
not think that I would be the mum that wants
to watch their baby on the monitor, like I screen
record him sometimes, Like I had this screen recording I
can show you later of him playing in his cut.
Once he woke up in the morning with one of
our cats, the most wholesome thing in the entire world.
(04:31):
He goes to sleep, I'm looking at videos and pictures
of him on my phone.
Speaker 1 (04:34):
What that's so cute?
Speaker 3 (04:36):
Like I can't be trusted And like I used to
think that the mums that were doing that I was like, weird, Okay,
have some you time, babe.
Speaker 1 (04:43):
I don't want you time.
Speaker 3 (04:45):
I want to look at pictures of my baby and
cry about how he's so much bigger than he was. Anyway,
it's been a very wholesome easter. Obviously, Harvey loved it.
I don't think he comprehends it, yees, because he's still
a little bit little for it. But he was very excited. Yeah,
because there was lots of colorful things and lots of
stuff on the ground that you could pick up, and
that's very fun. That was my weekend. Also, I've been
(05:07):
in the reviews. Do you guys want a five star review?
Absolutely before we get there. We did actually get a
couple of weeks ago saw this when I was looking
a two star review, which is hilarious because apparently, get this.
We should not be covering the budget because it's government based,
and somebody believes that only get this. Skilled journalists bring
(05:29):
a level of rigor and nuance that a lay person
might not achieve.
Speaker 7 (05:34):
Well, Jess's face is like, but what the whole point
of this podcast is to make things more accessible to people?
Speaker 1 (05:41):
I don't please agree that, Like.
Speaker 5 (05:43):
You know, journalists do an incredible job, and they're so
important that they get no point.
Speaker 6 (05:48):
Do we have a claim to be expert?
Speaker 1 (05:51):
I actually do claim to be a finance expert.
Speaker 3 (05:54):
Literally, I claim on a daily basis that I am
expert when it comes to finance, because I am.
Speaker 1 (06:01):
I'm sorry.
Speaker 3 (06:01):
I just thought it was so funny because obviously, like
there are so many beautiful people leaving beautiful reviews, but
like this two star one, I just thought was really
funny to bring up because I was like, do you
really think that I read this and go, yeah, you're right,
I wouldn't know how to interpret the budget or talk
about anything when it comes to politics.
Speaker 6 (06:21):
Yeah, I mean, at least it was two stars and
not one.
Speaker 3 (06:24):
Yeah, self aligning also cheers. But on the same page
we got another one that was five star. But if
you guys also think that maybe we should be covering
the budget, I loved covering the budget. I think I
was salty about that review because I was like, hold on,
I think we deciphered it in a really beautiful way
that made a lot of sense to our audience, and
(06:44):
we had so many nice messages from people saying I
have never engaged in the budget before until your episode,
or until your Instagram posts or until I saw you
guys like really getting into it and what it means
for me.
Speaker 1 (06:56):
Yeah, I'm going to keep doing that.
Speaker 3 (06:57):
Sorry, sorry, not sorry, but we got one five stars.
It's from Becky. She says, amazing, amazing, amazing. Hi, she's
on the Money Team. I just wanted to leave a
little review so that you guys know how much I
love your podcast. I'm a twenty four year old mum
of two toddlers and I need all of the broke tips, advice,
(07:17):
support and inspiration I can get. The podcast gives me
just that and more. I've started a master's degree in
accounting after leaving my healthcare job. As you three have
shown me my absolute love for money, numbers and still
being able to help people. I have you, guys to
thank for opening these doors for me. You three are
(07:38):
an absolute dynamic trio. I'm doing God's work for the
girlies and you.
Speaker 1 (07:42):
Are also appreciated. Love you guys so much.
Speaker 7 (07:46):
Oh my god, that is really beautiful. Congratulations, that's so sweet.
We love you, Thank you sweet, Thank you so much. Also,
look at this influence.
Speaker 3 (07:57):
I don't know if you guys think this is as
sexy as I do, but more women in finance and accounting. Yeah, yeah,
I love to see it so much Like Masters.
Speaker 7 (08:07):
That's incredible.
Speaker 3 (08:08):
An icon who runs the World Girls exact. Oh, speaking
of the girls, tell me about the Facebook group. What
have our friends been up to? One of their favorite
money wins of the week.
Speaker 5 (08:20):
Alrighty, first of this week, I have one from Chow Chow,
he said. I was sitting at home last night eating
a pint of salted caramel hugan Dos on my couch,
watching Netflix with my silly dog in my new apartment,
with a manageable mortgage and money in my offset account.
My bills are fully paid, my fridge is fully stocked,
and I am just loving my life.
Speaker 7 (08:39):
Wow, my stomach felt really warm.
Speaker 1 (08:41):
I also huggin us. Oh that I was going. He's
just so.
Speaker 6 (08:46):
Good, gorgeous. I love the positive mind there. You love
to see it.
Speaker 5 (08:49):
And she did give us a dog photo of said dog,
Chow Chow Dog.
Speaker 1 (08:55):
Chow Chow Dog has a chow chow.
Speaker 6 (08:58):
Oh my goodness, he's so fluffy. Girl. The photoguys he's adorable.
Speaker 1 (09:01):
Oh my god.
Speaker 3 (09:02):
Also, just a gentle reminder to the community, if you're
going to mention your dog and not give us a picture.
Speaker 1 (09:07):
We do judge you. Pet taxis due ye.
Speaker 5 (09:10):
Next of kind of money win from Teresa, who said
money win, I'm going to New Zealand for ten days
with free accommodation the whole time. Excuse me, how merely
by being an excellent friend. I haven't lived there for
fifteen plus years, but I still keep in touch with
all of my friends there. Some of them might even
chat to daily. I love that so much, right, and
I love the idea of yeah, staying with a friends cozy,
(09:32):
it's kitzy. Next, I've got a money win from Pullack,
who said money win. My Dyson vacuum stopped working, so
I reached out to Dyson customer support, who suggested I
either get a battery change, which would have been one
hundred and twenty dollars, or they could offer me twenty
five percent on off of a new purchase. I did
some research and I found the battery replacement off of
(09:52):
Amazon for forty dollars. It had great reviews and it
saved me eighty dollars total from what I would have
paid at Dyson.
Speaker 3 (10:00):
That but also props to Dice and for good customer
service like they kind of said's out of warranty or
oh no, we don't do that, but they offered you
a discount on it.
Speaker 1 (10:11):
That's pretty good, especially off dyce In.
Speaker 6 (10:13):
Yeah, that's what I was thinking. You could probably stack
it with cash back too.
Speaker 1 (10:16):
Exactly exactly started. That is great.
Speaker 3 (10:20):
There is good cash back on Dyson as well, like
not being sponsored by any of those, but like, whenever
I see the cash back on Dyson, I'm like, maybe
I do need a new aerrap.
Speaker 7 (10:28):
I know I don't need a new air rap that
you can get like up to twenty percent cash back,
which is so good cash back twenty five percent.
Speaker 3 (10:35):
Maybe I'll just DM them they have like a live
chat function and be like, hey guys, I have working
dyce In products. But I did see that you released
a baby pink air wrap and I find that quite rude. Yeah,
get this baby pink and rose gold.
Speaker 8 (10:50):
Oh anyway I could pretend that you have I can say, well,
I actually just think that's really rude because I have
a hot pink one and while that is really chic,
baby think would suit Jess.
Speaker 1 (11:01):
Had my aesthetic much better?
Speaker 6 (11:02):
Yeah you think it's beautiful?
Speaker 3 (11:04):
Yeah, yeah, I had my hair draps so maybe it's
time for my hair drap. It would match my hair
dryer which I have in the baby Pink. Well, you've
got to have it exactly, say.
Speaker 6 (11:13):
Set up the customer support chattered.
Speaker 3 (11:15):
This is why Beck, I have to have my savings
at a different bank.
Speaker 5 (11:21):
Next, I've got a money win from Nicole who said
I finally transitioned my old budget to the shees on
the money budget, and I've discovered a few places where
I could capture some lost savings.
Speaker 1 (11:30):
Iconic or just love almost like I spent ages building
that to work.
Speaker 6 (11:34):
Imagine.
Speaker 5 (11:35):
Next, I've got the money win from Ruth, who said
she bought a dress she's wondered for ages the secondhand
off of Deep Hop. Instead of spending one hundred and
ninety dollars to buy it brain new she bought it
for sixty two dollars including shipping. And the bonus was
it had only.
Speaker 6 (11:47):
Been worn once.
Speaker 1 (11:48):
Oh how good is that?
Speaker 6 (11:50):
I'm loving Deep Hop.
Speaker 1 (11:51):
Oh my god.
Speaker 3 (11:52):
I bought a pair of shoes off Deepop. I have
them in my car. I will show you them to you.
This is going to mean not a lot to Beck,
but like it. I bought a pair on Deepop of
vintage Manolo Blanets. Oh they cost me delivered eighty dollars,
which obviously eighty dollars on a pair of shoes, you
might go whatever, but there's like thousand dollar shoes. But
(12:13):
they're like a beautiful vintage pair and they had some
stains on them, but I cleaned them up and they
are perfect and I'm obsessed with them. And they're in
like my perfect size, like they're a thirty eight and
a half. Amaze, that is right, that's right. Anyway, deepop
is giving. Yeah, I got it was so cute, see
(12:33):
it was very happy with it. And then lastly this week,
I've got money in from Rannon who said she claimed
eleven dollars and seventy five cents for her cancer counsel
sunscreen through her health insurance.
Speaker 1 (12:42):
Yes.
Speaker 7 (12:43):
Good.
Speaker 5 (12:43):
Just reminded to double check that we're coming towards end
of financial year, so claim your things, claim your things,
double check what you can claim to you because sunscreen
is a great one.
Speaker 7 (12:51):
Oh I love that for us, and that did for
me this week. I was going to make a joke,
but it's too late now. Oh is it just give
your head too quick?
Speaker 9 (12:59):
No?
Speaker 7 (13:01):
It was relating to pet tags, and I was gonna say.
Speaker 1 (13:03):
Oh, yeah, it's really delayed your that.
Speaker 7 (13:06):
Sound statements delivery. But anyway, let's move on as quickly
as possible. So my broke tips if you'd like to hear,
of course, yep. This first one comes from Jock, which
is an interesting one. So you know, sometimes you go
to like parties or like you have people over and
you're like, I'm gonna get some snacks and they've suggested
(13:28):
cheesels instead of chips because it looks more impressive and
they're often cheaper.
Speaker 3 (13:34):
I love a cheesel to It reminds me of like
a kindergarten party, Like the cheesels. They actually sit right
beside the fairy bread and they're across from the party
pie and like a little.
Speaker 1 (13:45):
Plastic what did you used to call them?
Speaker 3 (13:46):
I don't know, like the cocktail frankfurts, the like little
red frank fet Like.
Speaker 1 (13:51):
No, I'm not actually a.
Speaker 7 (13:54):
Little boy wiener.
Speaker 3 (13:55):
So what I used to call them when I was
little was little boys, and I just really inappropriate. But
like when you were little, you didn't you wouldn't know,
you don't know, And then yes, I was trying to
say cocktail Frankfurt, Jessica, not weener.
Speaker 7 (14:13):
Cocktail is just a suggestive yeah, but like.
Speaker 1 (14:16):
Who doesn't love a little cocktail? Frank Fit.
Speaker 3 (14:19):
We need the little toothpick though in it with a
little flag. We should have a kid's party at work, Conde.
Speaker 7 (14:25):
I would love that.
Speaker 1 (14:26):
Do you want what surely you had?
Speaker 7 (14:29):
Cavanosi?
Speaker 1 (14:30):
What is Cavanossi?
Speaker 7 (14:32):
He's basically saying he's just like harder, more gristly, way,
less yummy and like you know, long long, like the
red twiggs called twiggy sticks. Sorry it must be used
other whales thing.
Speaker 2 (14:44):
I have.
Speaker 1 (14:47):
Tweaky stick.
Speaker 10 (14:49):
Hey everyone, editor Sam here, and I was listening to
this audio. I heard the girls guess the Cavanossi is
twiggy sticks. Knew immediately that if we didn't correct that
the dms would blow up with people letting them know.
So just want to let everyone know. I've informed them,
and they wanted me to let you know that they
now know the very specific difference between these meats. Not
(15:12):
really sure why we're doing a full sandwich meat conversation,
but we are. Let's get back to it.
Speaker 3 (15:18):
For a second, I thought she was going to go
on to explain like Devon, like you know, like the
smiley face devon. Oh yes, And you know what, when
I was growing up, I used to think I was
so hard done by it because so many kids in
my class got Devon sandwiches with tomato sauce, and like,
I used to trade my mum's sandwiches for those, And
(15:38):
in hindsight, like my mom used to bake the bread.
My mom used to make like these beautiful salad sandwiches,
and I would hate on them so hard for because
I'd be like, ill, she puts mail on them and
the mayo goes soggy and all they wanted was a
Devon and sauce sandwich. Yeah, strasin sauce is what they
called it. Yep, jealous.
Speaker 7 (15:57):
You used to be crazy how everything's got a different
name every week go.
Speaker 4 (16:00):
You know.
Speaker 1 (16:00):
Yeah, it's like if I say, what's a prima?
Speaker 6 (16:03):
Like a juice box?
Speaker 1 (16:05):
But would you call them primus? You call them like,
no prima.
Speaker 3 (16:08):
In my head, I thought of like hem, Yeah, so
like at school, we used to call them premias, and
I was having this conversation.
Speaker 1 (16:14):
Brand, wasn't it Yeah yeah yeah, no, definitely different.
Speaker 2 (16:20):
No.
Speaker 3 (16:21):
I am glad that we got that whole sideline sorry, God,
how did we get there? How did we get to
Devin and jess Rickie?
Speaker 7 (16:29):
Somehow we always end up in the same spot with
our broke tip money wins.
Speaker 1 (16:33):
We really are. And I was gonna say, if you try.
Speaker 7 (16:37):
And either do what our listener did with the dice
and kind of reach out. I just recommend if anything
breaks anywhere in the world in something you know, something
that you own, let's say your dice and hair app
or whatever. Try And I was going to say, market
go and market place and look for the parts or
google the parts and.
Speaker 1 (16:55):
Just choose a hand. Deep down you have.
Speaker 7 (16:58):
My robot vacuum, like the little brushy thing e. I
replace those myself. Yes, And some people will be like,
I don't understand what's happening here. I'm just gonna get
a whole new, brand new one, you know, And so
just just try and do that first, or yes, go
to customer service. I'm sure there's a cheaper way. If
you've bought it once, you shouldn't have to buy it
again and again, you.
Speaker 6 (17:17):
Know what I'm saying.
Speaker 7 (17:18):
Yes, and oh sorry that one came from Emma. I'm
giving you credit where credit is to you and my
one for this week is if you can afford it.
So just want to like a tiny, little, very very
short backstory, you know how I'm saying that I have
like a million gym memberships.
Speaker 1 (17:35):
Do you still have a millionaire?
Speaker 7 (17:36):
I canceled all of them, I want to know on
but I got another one, just one, just one, So
it's like all clean. And I was like, you know,
signing up, and I realized that this is probably more
so if you are in a position of, you know,
you have some money to put towards something, which is
already a very privileged position to be. And so of course,
(17:57):
but as I was signing up, he gave me options
or three dollars per week or one hundred dollars a month,
or twenty dollars a week if I paid bi annually.
Speaker 10 (18:04):
Oh yeah.
Speaker 7 (18:04):
So it just made me realize, like, if you can
afford that, try to do I know a lot of
just that.
Speaker 3 (18:10):
It's where money has power, right, Like, that's where I
would call that, in the most non offensive way possible,
the poor tax. Yes, I agree, And I feel like
that is so rude because they're saying, if you've got
the cash, will give you an even better deal. Yeah,
and I love that, but the people who need the
better deal are the ones that don't have heaps of cash,
which I think is why it's so important to get
on top of our budgeting and our cash flow so
(18:32):
that we can seize opportunities like that. Like, how good
would it be if you had a heap of cash
in like saved, not even heaps, but like enough cash
so that you can save cash? Yeah, exactly, it's so
frustrating exactly.
Speaker 7 (18:44):
But even if you like what because legitimately what I'm
gonna do is put twenty bucks away every week for
six months, Yeah, and then hopefully I'll be able to
afford it, because right now obviously it cannot. But I
just thought, like, wow, wow, those people really be getting
some benefits.
Speaker 3 (19:00):
Same thing happens with like your life insurance and your
car insurance and like all of these other things. They
often offer a pretty nice discount to do a lump sum.
Speaker 7 (19:10):
Yeah, and like rude, I know, but anyway, that broke
tip is somewhat depressing, but also just good to know
it's actually a good broke tip, Thank you so much.
Speaker 1 (19:19):
Also, if they.
Speaker 3 (19:20):
Don't offer that and you have the cash, ask yeah,
what if I paid for a year can I get
a discount totally?
Speaker 1 (19:28):
Yeah, do that. I think that's a good one. I
love that.
Speaker 3 (19:32):
All right, Well, how about we go to a really
quick break we can talk more about party food and
on the flip side, we're going to be talking about
setting boundaries and knowing your worth, which is something I
am wildly passionate about talking about and something that you
slid into our dms about this week. What do you
do when you want to leave a relationship but financially
you just can't see how that's going to work?
Speaker 1 (19:53):
Guys, don't go anywhere.
Speaker 6 (19:59):
Welcome back, everybody. Let's take a listen to this week's
money dilemma.
Speaker 7 (20:04):
Hi.
Speaker 3 (20:04):
There, have you got a money dilemma you just can't
solve The She's on the Money team is here to help.
Every week we tackle your dilemmas, both big and small,
to answer your most burning money, career and life questions.
To get involved, simply head to our website and leave
us a short voice recording and you might just find
yourself on the show. Now, let's take a listen to
this week's money dilemma.
Speaker 4 (20:28):
Hi, guys, I have a money dilemma with a side
hustle that I really should be turning into a business,
because I feel that it's gone too far. I work
full time in a quite a good paying job, and
I also work casually in another quite good paying job, so.
Speaker 1 (20:46):
My time's quite full.
Speaker 4 (20:47):
But on the side, I also do a lot of
photography and videography work as a hobby. This hobby has
really expanded and I've had a lot of people reach
out to do their weddings. I've also had local councils
reach out to ask me to do events like it's
become quite a big thing. My issue is every time
(21:08):
I do a large job, so like a full day
wedding with videography or like a big event, I can't
charge them. I feel really guilty and I let them
have the work free, even though I have spent hours
doing this. I'm now beginning to hate photography, so I
don't know what to do. I don't know how to
(21:31):
now start charging or whether this is something I should
completely stop and just let this hobby go.
Speaker 1 (21:39):
Please help.
Speaker 4 (21:40):
I'm burning myself out in doing this, but I also
really struggle to say no.
Speaker 1 (21:46):
Girl, no stop that I want to get it. I
like tap tap tap on your hands, like absolutely not,
I get it.
Speaker 3 (21:53):
I get it, Like I get it too, but like
it's not just about knowing your worth, Like people are
genuinely taking advantage of you.
Speaker 1 (22:00):
We know that you're bad at saying no.
Speaker 4 (22:02):
Yeah.
Speaker 5 (22:03):
Those industries specifically, like weddings particularly, are known for being
really lucrative for photographers and videographers understandably, so it's a
lot of hard work and it's judging on that. But
like knowing what people pay for wedding photographers and they
know as well. If you're saying that those are big organizations,
it's not like, oh I did like a shoot for
a girlfriend who's starting a brand who maybe didn't know
(22:26):
how much photographers get paid, right, yeah, But like you're
saying you did big, They've done this before.
Speaker 1 (22:32):
This ain't their first rodeo.
Speaker 3 (22:34):
I get so angry about big organizations taking advantage of
smaller people. It actually happens so much, And Jess can
attest to this in our industry as well, of like
people reaching out and expecting that I would speak at
events for free, or expecting that I would go on
a panel for free when they're selling tickets to that
(22:56):
event and making money off it. Like there are so
many can you imagine Jesse, if I went public with
who takes advantage like, you would be shocked. Obviously I'm
not gonna do that, but you would be shocked about
the level of audacity that some organizations have and how
much power they hold. Like it's often the smaller businesses
(23:18):
that are like, oh my god, like how much does
it cost to do xyz? Because we'd love the opportunity
to work with you. And they're the ones that we're like,
hold on your brand new small business like gol We'll
do that, you know, for free or for a significant
discountel look after you. But like, it's the big business
says that take advantage and that kisses me off. I
don't think she should stop doing something she loves. We
(23:38):
need to flip it, though, into something that you continue
to love because you don't like it because it's being
associated with being taken advantage of and that's not fun.
Speaker 1 (23:48):
Beck, what would you do in this situation?
Speaker 7 (23:49):
Well, I totally totally get this feeling, because obviously I
do like little arts and crafts on the side, and
when someone asks me for a commissioned piece something that.
Speaker 3 (24:00):
I did and I tried to pay you for it
and you said no, So I don't know what to
do about this situation.
Speaker 7 (24:05):
So well, this is the thing is that if it's commissioned,
then it's like someone's giving me an idea and I'm
making it and they have no control over how it's
going to look. I have no control over whether they'll
enjoy it or not. And so in those situations, which
is weird because commissioned you expect, in any other situation
to be more expensive. Those pieces I do not even
charge for because no, I don't know what.
Speaker 1 (24:24):
I have a back, so I'm still going to pay it.
Speaker 3 (24:27):
No, they might hate it, I don't know, and so
that's I'm not going to hate it. It was made
with love by beck That's why it's very sweet.
Speaker 5 (24:34):
But can you just put a step in the middle
in an instance where you're like, oh, I'll draw up
a quick sketch so you have an understanding of what
it's going to look like.
Speaker 7 (24:40):
Kind of it it depends on because if it's ceramics,
and it depends on like it will look different after
both firings and after I've hand molded it, and like
there's no telling. So I'm sorry asking for a custom
piece based on seeing your previous custom work and enjoying
the way you craft things.
Speaker 1 (24:56):
No, you charge for that, that's true.
Speaker 7 (24:57):
Well, the thing I've decided to do is just not
do and maybe this will help for this person as well.
I'm not gonna do commission pieces unless, like you know,
it's a friend or something. And I because I actually
do enjoy doing it, it's not a problem for me.
But what I'm gonna do instead is I'm going to
make stuff and then put it online with already a
price on it, and then they people pay for it,
and then I sell it. Because that way, I can
(25:19):
imagine with this person, like they've come in, they've been
asked to a job, they come do the job. Afterward,
when they're discussing money, it's like, oh, this is really awkward.
I don't want to do this. I'm not going to charge.
But instead, if you had an option, maybe like an
online situation where someone paid in advance, you pay for
a let's say like a package where you're like, I
send one hundred photos, I take out however many I
(25:41):
send you one hundred, I have a thirty second video.
You have packages, and you pay for the package in advance,
so by the time you go and do the work,
everything's being paid for. You don't need to discuss it.
You send everything you need. It says a problem after
they'll come to you, and then you can be like
and the chances of them coming back to you and
being like, I have a problem with whatever, then you
(26:01):
know the chance is very low. So but if that happens,
then you can decide to give fifty percent back or
all of the back, or whatever the hell you want
to do. But paying an advance and just completely separating
yourself from them. It's just a complete stranger on your
website deciding to buy something. You get notified someone's paid
for a service, then you go forward with the service.
(26:22):
That kind of like because I get I really get
the feeling of like talking to someone and then be
like how much is this and be like.
Speaker 3 (26:28):
Ah, it's really awkward, am I? And that's where I
that's where I think you need to get really clean
and clear on your language, and like, this is something
that I think Jess is really bloody good at. So yes,
let's pretend it's us for a hot second, because it's
really good and it does have example right, So let's
pretend that we've got a client that we worked with
(26:49):
and that's never paid us, and we're like, yeah, cool,
we would like to be now paid for the work
that we do.
Speaker 1 (26:55):
How would you approach that? I think?
Speaker 6 (26:58):
So what we because.
Speaker 3 (26:59):
Also backtrack for those of you because we've got a
lot of new listeners at the moment, which is very cool.
Speaker 1 (27:04):
Jess.
Speaker 3 (27:04):
There's also head of Partnerships for she's on the money.
So she's not just like the hot girl that's on
our podcast, is she like? She's also actually really really
smart in this space. So you've come to the right place, guys.
Speaker 5 (27:16):
Yeah, I think the biggest thing, and this is something
you taught me VD, is just operate on the assumption
when somebody comes to you, like someone says, hey, I
really want to work with you, even though they haven't
said it, they want to pay you for your work,
because in our minds, we assume that all professionals should
be paid for the jobs that they're doing, so because it's.
Speaker 3 (27:33):
Way more awkward if they have to put on the table. Oh,
I just assumed you'd work for free, correct And you go,
I don't know why you would have had that assumption
as opposed to working on the opposite assumption that they
think it's going to be free, and you have to
convince them yea, because that is a power play.
Speaker 1 (27:50):
Yeah.
Speaker 5 (27:51):
So it's when someone messages you or emails you or
whatever it is and says, hey, we really love to
work with you. The first thing that you should be
doing is sending off your rate card. So what Beck
was saying, whether you have individual you know, you might
have a day rate, a half day rate, or packages
for you know, X amount of photos, x amount of hours, whatever,
however you want to set it up, have a think
about what you want to charge, look at other people
(28:11):
in your industry, put.
Speaker 3 (28:12):
Together what that looks like for you. Anytime someone inquires
with you, you're oh, my goodness, I would love to
help you bring your vision to life.
Speaker 5 (28:18):
This is so exciting. I've attached my rate card. Let
me know if you've got any questions, because that then you.
Speaker 1 (28:24):
Can go from there.
Speaker 3 (28:24):
You're like putting a line in the sand that these
are your expectations.
Speaker 1 (28:28):
And now these.
Speaker 3 (28:29):
People have to come back and say, oh, well, we
were actually hoping you'd do it for free, or we
are we didn't expect that, and that's so fine.
Speaker 1 (28:37):
But I think it's about updating your language.
Speaker 3 (28:40):
So if we've done it, for free historically, Like, even
if we've done it for free, we can use the
language of like, oh, hey, we've actually recently updated our rates. Yeah, yes,
my rates before were zero, but now I'm charging for them.
Speaker 1 (28:54):
I don't have to justify that to you.
Speaker 3 (28:55):
I do not owe you an explanation on wanting to
be paid for work that I'm doing. Like, I don't
owe you an explanation. So, hey, our rates have updated recently.
I've actually attached them for you. Have a quick look
at that, and then once you've got a good idea
of what you want to lock in, let me know when.
Speaker 1 (29:13):
We can have a meeting.
Speaker 6 (29:14):
Yeah.
Speaker 5 (29:14):
Correct, And from there you can negotiate, you can do whatever.
If you want to offer discounts for friends and family,
you can do all those things. But I think it's
genuinely just going oh, like, my default is I charge
these prices, and my expectation is that anyone contacting me
would understand that there's a fee attached, and I'm just
letting them know what those fees are one hundred percent.
Speaker 1 (29:31):
That's really nice.
Speaker 3 (29:32):
Also, how good is the transparency of letting people know
the fees before wasting either of our times on having
a conversation, because there's nothing worse right even as me. Like,
you know, let's say I am hiring a new photographer
and I do this all the time, and you know,
I'm engaging the service of somebody in a once off capacity.
(29:53):
We're doing a cute Xella money photoshoot, and I want
to work with somebody I love when they send the
rates first so that I know what to expect, because
then I'm not having a whole conversation about me being like, oh,
I found you on Instagram and I really liked your
work and I really want to work with you. And
then the rate comes back at like five times what
I had thought it might be, and then I have
to go, oh, hey, like that's actually not in budget
(30:14):
for us right now, like I've wasted their time, I've
wasted my time. If they are giving me the rates upfront,
I can go, oh my goodness, I'm brainstorming in my head. Okay,
well that fits in budget, and oh I could add
in this social aspect, all this, this and this. It's
an opportunity for upsell before you've even sold to me. Yeah,
Like I'm looking at that and going okay, well that's
reasonable and that if it's not within budget. I might
(30:35):
go back and be like, hey, Jess, for example, I've
had a look at your rate card and unfortunately it
doesn't fit within budget. Thank you so much for your time.
That's then their opportunity to if they wanted.
Speaker 1 (30:46):
To offer a discount.
Speaker 3 (30:48):
But from my perspective, I'm not undervaluing a freelancer or
a service provider by saying can you do it cheaper.
It's like, there's a reason they have those rates, And
if they have those rates, I can promise you they
have thought long and hard about what their value is
and just because I can't afford it doesn't mean they
have to lower their prices to meet my expectations.
Speaker 6 (31:10):
No, it's actually it's the flip.
Speaker 5 (31:11):
Really like, if that's what happens when someone comes back
and goes, oh, I'm so sorry, I only had Let's
say you're going to charge two thousand and they only
had one thousand, that's your opportunity to say, okay, four
one thousand dollars. I can do xyz and maybe you
drop some of the deliverables off, or you take a
couple of hours off of the day so ice they're
doing a full day, or do a half day or
something like that, like that's your chance to then go, Okay,
well I we can negotiate this XYZ within your existing budget,
(31:35):
because I think the thing for freelancers all of the
time is the fear of when you you're scared of
putting your rates out there. And I get this as
someone who freelances. You're scared of putting your rates out
there and then the opportunity going away completely. You're almost like, well,
I'd rather to have one hundred dollars than no money
at all.
Speaker 3 (31:50):
But if you're being paid to begin with, I don't
think you should be working with those people. To be
quite blunt, like, yeah, if you are working with people
that you adore but they aren't paying you, and then
you put rates on the table and they go away,
they were never there for you. They were there because
they were able to take advantage of you. They weren't
there because they're like, oh, Jess is the best ever
there this? Go find your people. Go find clients that
(32:13):
actually pay you. Go find people that see value in
the work that you have, because right now you're just
finding free loaders who are taking advantage of a situation.
Speaker 1 (32:21):
Let them go find someone else.
Speaker 5 (32:23):
Yeah, and local councils specifically always have budget allocated of
these things they do before.
Speaker 6 (32:29):
Like they have budget, so like they can afford to
pay you.
Speaker 1 (32:32):
Yeah, one hundred percent.
Speaker 3 (32:33):
And like if they have decided that they want you
and you've put rates on the table, it can be
so overwhelming putting your rates out and being like, oh,
i'm exper hour, I'm this, or i'm that. You're like
what if they come back, if they really want you,
they're going to come back and politely explain, I'm so sorry, Jess,
we don't have budget, and that's your opportunity to let
them know what.
Speaker 1 (32:54):
That looks like.
Speaker 3 (32:55):
But then on the flip side, it means that they
always see your value, so like that they know that
they're getting a significant discount. Like and we always if
we're working with a client at a discount, which we
do sometimes, we always make sure we articulate why we're
doing it, so we're not just like, oh, yeah, we
could definitely do it for less. We're like, oh, look
(33:15):
we've had it, and we'll taliate to the clients for examples,
yeah for example exactly, but we will articulate to them
why they are getting a budget discount or whatever it is,
because I might go, look, you're a really good brand
for my community, and while you don't have budget, I
think that they would get a lot of value out
of this as well. We clearly don't do this often,
but it gives us an opportunity to build the relationship,
(33:39):
and they're obviously grateful because it now fits within budget.
But then if they revisit us again, like the same rate, supply,
I can't always discount my rates, so we're not setting
an expectation that now our relationship is worthless, like I'll
work for less this time and we'll see how it goes.
Speaker 1 (33:56):
Because I think that.
Speaker 3 (33:57):
The community would love it, or I think that this
would work really well, and I think going from there.
But like, if people are taking advantage of you, they
are not your people. They're not good clients, full stop.
Speaker 1 (34:06):
End of story.
Speaker 7 (34:06):
Yeah, yeah, start charging for your work.
Speaker 1 (34:09):
Go on before I actually lose my mind.
Speaker 3 (34:11):
Guys, we had a DM this week and you know what,
this one makes me really sad because there are lots
of people in this situation.
Speaker 1 (34:20):
Would you like to hear it? Yes? Please?
Speaker 3 (34:23):
High shes on the money. I haven't told anybody this yet.
I want to leave my husband, but I don't think
I can afford to financially. We've wrapped up debt in
both our names over the years, and most of it
was from his spending, as it's in both of our names.
If I walk away, I still owe Huff. I've run
the numbers and between rent bills and my share of debt,
(34:44):
I actually don't think I can make this work on
my own. I feel completely stuck. I'm trapped in a
relationship I don't want to be in because of money.
Has anyone else been here? How do you leave when
it feels financially impossible.
Speaker 7 (34:58):
I'm really glad we're talking about this because there's so
many people in this situation, and it will always looks
so different. In the most ideal world, your husband is
a very sweet person and is willing to work with
you on this, But in a lot of cases, either
they're really hostile, they're not very happy that you want
to separate, and they're going to make things very difficult
for you, and in really, really really sad cases, they're
(35:21):
quite abusive and you feel scared for your life to leave.
Speaker 1 (35:25):
It's so cooked.
Speaker 3 (35:26):
It gives me goosebumps talking about this because there are
so many women that have approached me over the years
in this exact situation, and just I don't want anyone
to be in that, Like I want you to have cash,
not just so that we can buy cool shiny things.
I want you to have cash that you've got choices
so you can leave a situation you don't want to
be in, whether that is a partner or a workplace,
(35:47):
or even just like you're out for the night and
you don't want to be anymore and you don't feel
safe getting the train home, Like I want you to
be able to leave places, and all women deserve that,
Like it just, oh my god, Beck, it just upsets.
Speaker 7 (35:59):
Me totally, and what I immediately think of now, I
don't know, I don't know how financially smart this is,
but I'm just thinking about like my world and my
mom as well. Like luckily for us, we were in
a situation where, like you know, we were scared for
our lives or scared of being harassed and kind of
like chased down for leaving. So we were very lucky
in that situation. But the first thing that came to
(36:20):
mind was can you maybe if it's wise or possible
for you, I would file for bankruptcy. Personally, this is
probably not good advice, but I would file for bankruptcy.
Speaker 1 (36:31):
I would clear that debt.
Speaker 7 (36:32):
I would get myself a job anywhere I can, and
just be like, Okay, I'm starting from zero now, and
I'm going to move into a sharehouse, or I'm going
to go and look at what resources are available, maybe
a what are they called, sorry, the women's shelters. Sorry,
that's the word. With or without children? Obviously it's very
very difficult, but without I'm thinking as long as you're
kind of like starting from scratch, I'm also assuming there
(36:53):
are not sources available, friends, family, things like that, just
in case, so shelters. Personally, i'd file for bankruptcy. I
don't know about you, guys, because I'm like, I'm trying
to leave a situation and I can't afford to it,
literally cannot afford to do that. And so I'm finding
as cheap and as affordable housing as I can. I'm
getting any job that I can. My priority right now
(37:16):
is not to get on top of my debt and
get on top of my finances and make sure I've
got an emergency fund. As not my worry right now.
My worry is feeding myself, finding housing starting from there,
and then going wherever the hell you can. But yes,
that's my advice. I don't know if you guys are
on the bankruptcy train with me.
Speaker 1 (37:36):
It does. It depends how much debt.
Speaker 3 (37:38):
It depends how much how much debt because bankruptcy, while
I know you've spoken publicly about having utilized that yourself,
you were in so much debt that you weren't going
to get out of it. Like you know, bankruptcy stays
on your record for seven years, and there's a lot
of stuff that like a lot of criteria that you
need to meet during that period of time, right and
like you've like is the word struggled or you've you've
(38:00):
dealt with this over the last yeah, six or seven years,
like your phone plan.
Speaker 7 (38:04):
Yeah, And I do want to say, like for context
and just so this person knows, I don't think it
has affected me at all. But I also haven't needed
to get a home loan or anything like that. But
right now I am able to get everything because it's.
Speaker 3 (38:16):
It was tweet if it's like thousands and thousands, or
if it's like two thousand dollars worth of debt at
this point and like it's a good option, but I
think from my perspective, it wouldn't be the first Porto call, Like,
I want you to make a plan and see what
we can do with outgoing bankrupt because I literally run
a mortgage broking business. I have seen women come out
(38:37):
of these situations and in two years flip their entire
situation and own their own home. And like, I don't
want anybody to have to wait because of a situation
they were in. I think for you it made a
lot of sense. And like there are and we've done
podcasts on bankruptcy. Maybe we'll link them in the show
notes as well. But there are so many situations where
(38:58):
bankruptcy is the perfect bit like clean slate for somebody,
like it just wipes everything. It is actually sometimes so
empowering to go, you know what, I'm going to surrender
to this, wipe me clean. I know that there are
like rules and regulations and whatever that I'm going to
have to abide by, but that is so much better
than the fifty plus years it probably would have taken
(39:20):
me to get out of that debt. And I can
just start building well for on my own and taking
my power back. I adore that, but like, let's look
at all our options that can be one of them
and make the decision that makes sense for our situation.
Speaker 1 (39:33):
If that is fair, ess what would you be doing?
Speaker 5 (39:36):
I'm not sure if how Lis is only sorry, it
sounds like maybe you have, but if you haven't running
a full budget of what you would need to pay
to exist on your own, because obviously, as you're kind
of getting out, in addition to taking on your debt,
repayments and stuff, you're going to be no longer splitting
costs that historically you probably were, like the cost of.
Speaker 6 (39:52):
Food, your electricity, you're housing.
Speaker 5 (39:55):
So put together a budget, figure out what that housing
situation looks like. Are you looking at shelters, are you
looking to share house? Have you got somebody you can
move in with? How long will that term be for?
Run your numbers, figure out what you need to live on,
figure out what the deficity is, and then go, Okay,
do I need to get a second job? You know,
it's no one wants to do that, but as someone
(40:15):
who works two jobs for the majority of their working life,
it's doable.
Speaker 2 (40:19):
You know.
Speaker 5 (40:20):
It's sometimes we have to sacrifice short term to put
ourselves in a good position long term. So whatever hold,
whatever job you've got now, can you waitress in the
evenings or on the weekends, can you bartend? Can you
do some kind of shift work, warehousing. There's a lot
of options out there. It is hard, like I'm not
going to lie to you, but it is better than
being in a situation that you don't want to be in.
(40:40):
Once you've got an idea of your numbers, I would
also be calling our friends in the National Debt Help
Line they are to spread.
Speaker 1 (40:46):
About them out. Yes, absolutely, they're a great resource.
Speaker 5 (40:49):
They have access to financial counselors. They'll be able to
be financial counselors, and they will be able to help
you come up with a plan. They have access to
a lot of resources. They're well versed in all the
support programs that are available. You know that our government
assistance programs for people who are leaving hard situations. Again,
we don't really know exactly what your situation looks like,
(41:10):
but if those resources are needed, they will be able
to point you in the right direction. So have a
chat to them because they will be able to kind
of table for you what all the options are. It
will likely include bankruptcy as an option. It might include,
you know, consolidating your debt. They will be able to
talk you through all the different things having looked at
your situation holistically, because obviously, where we've just got a
(41:30):
DM to go off of, we we can only provide
very generalized insite. So I think having someone look at
your situation in depth and provide you all of your
options will probably be really empowering for you to help
you see what the right move is. So I would
be having a chat to them and yeah, I would
really just be running your numbers and seeing, Okay, well
how much money do I need to make and what
(41:51):
can I do to make that happen? Because it is
a short term thing. We've said before, living by yourself
is far more expensive than living with a cup. That's
unfortunately just the reality of it. But there are lots
of things that you can do to lessen that burden,
like share housing and things like that too.
Speaker 7 (42:07):
Yes, also sendlink is also a really good option. Also,
if you're on sendlink for a certain amount of time,
you can claim financial hardship. It's a whole thing.
Speaker 3 (42:14):
Maybe just Google yah literally can get in touch with
the National Debt Helpline. They are incredible and They're not
just for people who are up Chip Creek without a paddle.
I think so many times you think you can't call
these services because your situation isn't bad enough for that,
you aren't as in need just call like because they'll
let you know and be like, oh, actually you're fine,
(42:37):
and maybe that's the validation you need to leave, Like
you might be not budgeting correctly and they can like
tweak a few things and then you're on in your.
Speaker 1 (42:45):
Way, right.
Speaker 3 (42:46):
Yeah, But I think that the other thing I want
to say is one eight hundred. Respect is a really
fantastic resource that again is underutilized because so many times
you think, oh, I have to be in a super
abusive relationship or I have to be in these like
really really bad situations to reach out. But you could
pick up the phone and they can give you the
(43:06):
emotional support you need, a little bit of guidance, like
some resources that are going to point you in the
right direction and on the right path. And then also
it takes a village, so like you've obviously sat down
and done all of the numbers and you're just like
probably in your own head about the plans and what's
going on. Sometimes we need to reach out sometimes we
(43:29):
need to get in contact with these resources. I'm not
saying you have to tell your friends and family. And
I feel so privileged to have seen this DM coming
through because you've just told me. I haven't told anybody,
but I think I'm going to leave my husband. Thank
you for trusting us with that. Like, I want to
know that you are safe and well and on the
right path. But the best way to do that is
(43:50):
to literally reach out to some professionals and be like, look,
I really want to leave my husband, and I have
done all the budget and I don't think it's going
to be possible, and they're going to go, Okay, sit down,
sit down.
Speaker 1 (44:01):
What we can do is and they're.
Speaker 3 (44:03):
Going to be able to lean on different resources and
work out what you're eligible for, and just they're there
to help you. They aren't there for the worst of
the worst situations. They absolutely are, but like they're also
there for you. So we're going to put those resources
in the show notes, and I'm hoping that you know,
you take us up on those because they are literally
(44:23):
beautiful people. We also asked the community, so we said,
what would you guys do if you are our community? Member,
sixty eight percent of you said I'm going to start
planning for a secret financial exit, sixteen percent of you
said I'm going to leave even if it means struggling,
fifteen percent said I honestly don't know what to do,
and then one percent said I'm actually just going to
(44:44):
stay to share the financial load.
Speaker 5 (44:47):
It's horrible that people find themselves in a situation where
they feel that they have to do that.
Speaker 1 (44:51):
Yeah.
Speaker 3 (44:52):
We then asked, have you ever felt stuck in a
relationship because of money? Fifty three percent of you, thank god,
said no. Luckily, twenty eight percent of you said no,
but I've seen it all around me. Thirteen percent of
you said yes and I left, and six percent of
you said, yep, I'm still there. So then we said
we want you two cents, like, what advice have you
(45:13):
got for our listener? What advice have you got for
our community member? First person said, legal advice is the
best step here. Often the debt isn't actually split evenly,
as overall it may not be fifty to fifty, and
it can be allocated more to your partner.
Speaker 1 (45:27):
It's a great point.
Speaker 3 (45:28):
Well, I think it's a really good point as well, because,
like you're just operating under the assumption. Well, both of
our names are on it.
Speaker 1 (45:34):
It is my debt.
Speaker 3 (45:35):
Like that doesn't mean it can't be negotiated to go,
hey mate, yes, we're getting a divorce. Obviously financially, we've
wracked up heaps of credit card debt. It actually was
all you and not me, and I want to leave
this relationship cleanly, like obviously might not be as clean
as this, But they go, yeah, no worries.
Speaker 5 (45:53):
Or can you sell some the asset, Like if he's
brought a boat, great, like either you take on the
debt or selling the boat, you know.
Speaker 1 (45:58):
Things like that.
Speaker 3 (45:59):
Yeah, like filing for bankruptcy would impact him as well
in this situation, so like there might be some ting
and throwing. And if you talk to the National Debt
Helpline they can give you options on what that might
actually look like.
Speaker 1 (46:12):
Someone else said, I've been there, Please call the National
Debt Hotline. They were awesome.
Speaker 3 (46:18):
Someone else said, what you said, Beck, go to sentling
and see what you might be entitled to.
Speaker 2 (46:22):
Mm hmm.
Speaker 3 (46:22):
Another person didla a three parter. So first was this
was me I left with debt as our credit card
was in my name. I sold our unit at a loss.
I have regrets as I wish I bought the unit,
but don't regret leaving him for a minute. That was
the best decision ever. Now, thirteen years later, I am
in a great financial position with a fantastic husband and father.
(46:46):
Isn't that so cute? Someone else said, can you safely
be honest with him? If not, can you lean on
your support system, Like can you sit down and have
a chat, because obviously he doesn't know yet. Someone said,
stayid with someone eight months un till he paid me
back the fifteen thousand dollars I lent him and then
I left.
Speaker 1 (47:05):
I mean, as you should, absolutely, but like.
Speaker 3 (47:08):
They should be paying it back, not be stuck in
a relationship with you, Like if money is owed, money
is owed.
Speaker 1 (47:14):
And then I've got two more. Someone said, leave your husband.
Speaker 3 (47:17):
You're going to be better off financially, mentally and emotionally.
Speaker 2 (47:21):
We know.
Speaker 3 (47:22):
And then the last one is my friend tried creating
a plan, but he continued to increase the debt. You
actually just need to get help now and leave, yes,
because like otherwise it might just compound, like he might
just get more spend ye, And I mean we know
that if you're not happy and in a relationship spending
my increase and budgets aren't stuck to like.
Speaker 7 (47:43):
That is a really tricky one, but I do hope
this is okay. Please keep us updated if you have
any questions about the bankruptcy thing. I almost got done
by someone who was like, I'll pay me x amount
of money and I'll do your bankruptcy. You can do
it for free by yourself. Let me know if you
need any help with that, and we'll.
Speaker 5 (47:58):
Put all the links to all the recent as we're
trying to hundred for anyone you know might need them.
There's some really great organizations out there that can help
you get.
Speaker 1 (48:07):
One hundred percent.
Speaker 3 (48:07):
Well that's all from us today, guys. We will see
you next week. I've got a money diary brighton early
on Monday morning for you.
Speaker 1 (48:14):
But have the best weekend, by guys.
Speaker 3 (48:16):
By the advice shared on She's on the Money is
general in nature and does not consider your individual circumstances.
She's on the Money exists purely for educational purposes and
should not be relied upon to make an investment or
financial decision.
Speaker 1 (48:36):
If you do choose to buy a financial.
Speaker 9 (48:38):
Product, read the pds TMD and obtain appropriate financial.
Speaker 1 (48:41):
Advice tailored towards your needs.
Speaker 9 (48:44):
Victoria Divine and She's on the Money are authorized representatives
of money sheirper Pty Ltd ABN three two one IS
six four nine two seven seven zero eight AFSL four
five one two eight ninet
Hello.
Speaker 2 (00:01):
My name is Santasha Nabananga Bamblet. I'm a proud or
the Order Kerni Whaltbury and a waddery woman. And before
we get started on She's on the Money podcast, I
would like to acknowledge the traditional custodians of the land
of which this podcast is recorded on a wondery country,
acknowledging the elders, the ancestors and the next generation coming
(00:22):
through as this podcast is about connecting, empowering, knowledge sharing
and the storytelling of you to make a difference for
today and lasting impact for tomorrow.
Speaker 1 (00:33):
Let's get into it. She's on the Money. She's on
the Money.
Speaker 3 (00:57):
Hello, and welcome to She's on the Money podcast that
makes personal finance fun, especially on Fridays. It is our
favorite day of the week because we get the team
together and we celebrate you the incredible She's on the
Money community. Mister Skrieky is here as always, and she's
going to be sharing our favorite money wins. I think
one of her money wins, Beck is going to be
(01:18):
discount easter eggs. Probably yep, fantastic.
Speaker 1 (01:21):
Beck.
Speaker 3 (01:21):
You're here obviously, and you're going to be sharing your
broke tips. We're going to be helping to answer a
money dilemma, which this week is all about setting boundaries
and knowing your worth and something that you slid into
our dms about what do you do when you want
to leave a relationship but you can't financially afford.
Speaker 1 (01:38):
To do so?
Speaker 3 (01:39):
Oh, I feel like that is a really good topic
to discuss. But before we get into the deep juicy stuff,
I need to know how have your weeks been, Jessica.
Speaker 1 (01:49):
Have you gotten discount Easter eggs?
Speaker 4 (01:50):
Oh?
Speaker 5 (01:50):
You know, I was at the shop in the mornings
scooping them up, But you know what, half price this
year feels like full price last year.
Speaker 1 (01:58):
So discussing, I'm getting why is that good? Why were
they fifteen dollars? Crazy?
Speaker 5 (02:04):
I opted for baking all my Easter stuff this year
because I was just like, no, it's so.
Speaker 3 (02:08):
Great, actually way better. And yeah, just made these like
Easter egg nests with.
Speaker 1 (02:14):
What are they called the mini eggs?
Speaker 3 (02:16):
Yep, the mini eggs, but like the conchy mini eggs. Oh,
she found them so.
Speaker 6 (02:20):
Hard, hunt.
Speaker 5 (02:21):
I had to buy the little individual tidy packets because
they were all God, I literally bought like fifteen I
was like, I feel like a bad person because I'm
taking all.
Speaker 6 (02:28):
These nicecrew it I need them.
Speaker 1 (02:30):
Yeah, but then she made it for me, so slaighty.
Speaker 7 (02:33):
They're just so good and you're so cute, Jessa. It's
so sweet of you.
Speaker 2 (02:37):
Cute.
Speaker 6 (02:38):
I was your weekend, your Easter really nice?
Speaker 7 (02:41):
My dad was randomly in Melbourne, so okay nice, Yeah random,
So that was a nice just like you know, extra
for the weekend. And then yeah, just saw some friends
ate a lot of chucky and yeah, having a great
time over here.
Speaker 1 (02:58):
I love that about you.
Speaker 3 (02:59):
Oh, mine was full of renovations actually, so we've recently
finished our bathrooms, which you'll see all over my social
media very very soon.
Speaker 1 (03:09):
But I also decided, and I.
Speaker 3 (03:11):
Feel like this is this is big, Jess is going
to be like I would never I have sacrificed my
walking wardrobe to make it my son's bedroom because we
have a split level house and upstairs there's one bedroom.
There was like a walking wardrobe downstairs were the additional bedrooms.
I didn't want Harvey to be like all the way downstairs,
(03:34):
like in the night, Like that just didn't fare like,
it just didn't feel right. So we have made a
very small bedroom upstairs by like knocking out a wall,
putting in a new one, and now I just have
an Ikea packs wardrobe like it's built into the wall.
We've done I would say a pretty good job of it,
but we've like built it into the wall as opposed
to having a walk in wardrobe. So we've lost a
(03:56):
lot of wardrobe space, which I don't think Jess would
ever consent to. But it means that Harvey can have
his own little bedroom upstairs, like right next to our bedroom.
Ye cute just feels right, Yeah that makes any sense.
Speaker 1 (04:09):
I don't know.
Speaker 3 (04:09):
I never thought i'd be this needy mum like Beck.
I just really didn't see this coming. Like I did
not think that I would be the mum that wants
to watch their baby on the monitor, like I screen
record him sometimes, Like I had this screen recording I
can show you later of him playing in his cut.
Once he woke up in the morning with one of
our cats, the most wholesome thing in the entire world.
(04:31):
He goes to sleep, I'm looking at videos and pictures
of him on my phone.
Speaker 1 (04:34):
What that's so cute?
Speaker 3 (04:36):
Like I can't be trusted And like I used to
think that the mums that were doing that I was like, weird, Okay,
have some you time, babe.
Speaker 1 (04:43):
I don't want you time.
Speaker 3 (04:45):
I want to look at pictures of my baby and
cry about how he's so much bigger than he was. Anyway,
it's been a very wholesome easter. Obviously, Harvey loved it.
I don't think he comprehends it, yees, because he's still
a little bit little for it. But he was very excited. Yeah,
because there was lots of colorful things and lots of
stuff on the ground that you could pick up, and
that's very fun. That was my weekend. Also, I've been
(05:07):
in the reviews. Do you guys want a five star review?
Absolutely before we get there. We did actually get a
couple of weeks ago saw this when I was looking
a two star review, which is hilarious because apparently, get this.
We should not be covering the budget because it's government based,
and somebody believes that only get this. Skilled journalists bring
(05:29):
a level of rigor and nuance that a lay person
might not achieve.
Speaker 7 (05:34):
Well, Jess's face is like, but what the whole point
of this podcast is to make things more accessible to people?
Speaker 1 (05:41):
I don't please agree that, Like.
Speaker 5 (05:43):
You know, journalists do an incredible job, and they're so
important that they get no point.
Speaker 6 (05:48):
Do we have a claim to be expert?
Speaker 1 (05:51):
I actually do claim to be a finance expert.
Speaker 3 (05:54):
Literally, I claim on a daily basis that I am
expert when it comes to finance, because I am.
Speaker 1 (06:01):
I'm sorry.
Speaker 3 (06:01):
I just thought it was so funny because obviously, like
there are so many beautiful people leaving beautiful reviews, but
like this two star one, I just thought was really
funny to bring up because I was like, do you
really think that I read this and go, yeah, you're right,
I wouldn't know how to interpret the budget or talk
about anything when it comes to politics.
Speaker 6 (06:21):
Yeah, I mean, at least it was two stars and
not one.
Speaker 3 (06:24):
Yeah, self aligning also cheers. But on the same page
we got another one that was five star. But if
you guys also think that maybe we should be covering
the budget, I loved covering the budget. I think I
was salty about that review because I was like, hold on,
I think we deciphered it in a really beautiful way
that made a lot of sense to our audience, and
(06:44):
we had so many nice messages from people saying I
have never engaged in the budget before until your episode,
or until your Instagram posts or until I saw you
guys like really getting into it and what it means
for me.
Speaker 1 (06:56):
Yeah, I'm going to keep doing that.
Speaker 3 (06:57):
Sorry, sorry, not sorry, but we got one five stars.
It's from Becky. She says, amazing, amazing, amazing. Hi, she's
on the Money Team. I just wanted to leave a
little review so that you guys know how much I
love your podcast. I'm a twenty four year old mum
of two toddlers and I need all of the broke tips, advice,
(07:17):
support and inspiration I can get. The podcast gives me
just that and more. I've started a master's degree in
accounting after leaving my healthcare job. As you three have
shown me my absolute love for money, numbers and still
being able to help people. I have you, guys to
thank for opening these doors for me. You three are
(07:38):
an absolute dynamic trio. I'm doing God's work for the
girlies and you.
Speaker 1 (07:42):
Are also appreciated. Love you guys so much.
Speaker 7 (07:46):
Oh my god, that is really beautiful. Congratulations, that's so sweet.
We love you, Thank you sweet, Thank you so much. Also,
look at this influence.
Speaker 3 (07:57):
I don't know if you guys think this is as
sexy as I do, but more women in finance and accounting. Yeah, yeah,
I love to see it so much Like Masters.
Speaker 7 (08:07):
That's incredible.
Speaker 3 (08:08):
An icon who runs the World Girls exact. Oh, speaking
of the girls, tell me about the Facebook group. What
have our friends been up to? One of their favorite
money wins of the week.
Speaker 5 (08:20):
Alrighty, first of this week, I have one from Chow Chow,
he said. I was sitting at home last night eating
a pint of salted caramel hugan Dos on my couch,
watching Netflix with my silly dog in my new apartment,
with a manageable mortgage and money in my offset account.
My bills are fully paid, my fridge is fully stocked,
and I am just loving my life.
Speaker 7 (08:39):
Wow, my stomach felt really warm.
Speaker 1 (08:41):
I also huggin us. Oh that I was going. He's
just so.
Speaker 6 (08:46):
Good, gorgeous. I love the positive mind there. You love
to see it.
Speaker 5 (08:49):
And she did give us a dog photo of said dog,
Chow Chow Dog.
Speaker 1 (08:55):
Chow Chow Dog has a chow chow.
Speaker 6 (08:58):
Oh my goodness, he's so fluffy. Girl. The photoguys he's adorable.
Speaker 1 (09:01):
Oh my god.
Speaker 3 (09:02):
Also, just a gentle reminder to the community, if you're
going to mention your dog and not give us a picture.
Speaker 1 (09:07):
We do judge you. Pet taxis due ye.
Speaker 5 (09:10):
Next of kind of money win from Teresa, who said
money win, I'm going to New Zealand for ten days
with free accommodation the whole time. Excuse me, how merely
by being an excellent friend. I haven't lived there for
fifteen plus years, but I still keep in touch with
all of my friends there. Some of them might even
chat to daily. I love that so much, right, and
I love the idea of yeah, staying with a friends cozy,
(09:32):
it's kitzy. Next, I've got a money win from Pullack,
who said money win. My Dyson vacuum stopped working, so
I reached out to Dyson customer support, who suggested I
either get a battery change, which would have been one
hundred and twenty dollars, or they could offer me twenty
five percent on off of a new purchase. I did
some research and I found the battery replacement off of
(09:52):
Amazon for forty dollars. It had great reviews and it
saved me eighty dollars total from what I would have
paid at Dyson.
Speaker 3 (10:00):
That but also props to Dice and for good customer
service like they kind of said's out of warranty or
oh no, we don't do that, but they offered you
a discount on it.
Speaker 1 (10:11):
That's pretty good, especially off dyce In.
Speaker 6 (10:13):
Yeah, that's what I was thinking. You could probably stack
it with cash back too.
Speaker 1 (10:16):
Exactly exactly started. That is great.
Speaker 3 (10:20):
There is good cash back on Dyson as well, like
not being sponsored by any of those, but like, whenever
I see the cash back on Dyson, I'm like, maybe
I do need a new aerrap.
Speaker 7 (10:28):
I know I don't need a new air rap that
you can get like up to twenty percent cash back,
which is so good cash back twenty five percent.
Speaker 3 (10:35):
Maybe I'll just DM them they have like a live
chat function and be like, hey guys, I have working
dyce In products. But I did see that you released
a baby pink air wrap and I find that quite rude. Yeah,
get this baby pink and rose gold.
Speaker 8 (10:50):
Oh anyway I could pretend that you have I can say, well,
I actually just think that's really rude because I have
a hot pink one and while that is really chic,
baby think would suit Jess.
Speaker 1 (11:01):
Had my aesthetic much better?
Speaker 6 (11:02):
Yeah you think it's beautiful?
Speaker 3 (11:04):
Yeah, yeah, I had my hair draps so maybe it's
time for my hair drap. It would match my hair
dryer which I have in the baby Pink. Well, you've
got to have it exactly, say.
Speaker 6 (11:13):
Set up the customer support chattered.
Speaker 3 (11:15):
This is why Beck, I have to have my savings
at a different bank.
Speaker 5 (11:21):
Next, I've got a money win from Nicole who said
I finally transitioned my old budget to the shees on
the money budget, and I've discovered a few places where
I could capture some lost savings.
Speaker 1 (11:30):
Iconic or just love almost like I spent ages building
that to work.
Speaker 6 (11:34):
Imagine.
Speaker 5 (11:35):
Next, I've got the money win from Ruth, who said
she bought a dress she's wondered for ages the secondhand
off of Deep Hop. Instead of spending one hundred and
ninety dollars to buy it brain new she bought it
for sixty two dollars including shipping. And the bonus was
it had only.
Speaker 6 (11:47):
Been worn once.
Speaker 1 (11:48):
Oh how good is that?
Speaker 6 (11:50):
I'm loving Deep Hop.
Speaker 1 (11:51):
Oh my god.
Speaker 3 (11:52):
I bought a pair of shoes off Deepop. I have
them in my car. I will show you them to you.
This is going to mean not a lot to Beck,
but like it. I bought a pair on Deepop of
vintage Manolo Blanets. Oh they cost me delivered eighty dollars,
which obviously eighty dollars on a pair of shoes, you
might go whatever, but there's like thousand dollar shoes. But
(12:13):
they're like a beautiful vintage pair and they had some
stains on them, but I cleaned them up and they
are perfect and I'm obsessed with them. And they're in
like my perfect size, like they're a thirty eight and
a half. Amaze, that is right, that's right. Anyway, deepop
is giving. Yeah, I got it was so cute, see
(12:33):
it was very happy with it. And then lastly this week,
I've got money in from Rannon who said she claimed
eleven dollars and seventy five cents for her cancer counsel
sunscreen through her health insurance.
Speaker 1 (12:42):
Yes.
Speaker 7 (12:43):
Good.
Speaker 5 (12:43):
Just reminded to double check that we're coming towards end
of financial year, so claim your things, claim your things,
double check what you can claim to you because sunscreen
is a great one.
Speaker 7 (12:51):
Oh I love that for us, and that did for
me this week. I was going to make a joke,
but it's too late now. Oh is it just give
your head too quick?
Speaker 9 (12:59):
No?
Speaker 7 (13:01):
It was relating to pet tags, and I was gonna say.
Speaker 1 (13:03):
Oh, yeah, it's really delayed your that.
Speaker 7 (13:06):
Sound statements delivery. But anyway, let's move on as quickly
as possible. So my broke tips if you'd like to hear,
of course, yep. This first one comes from Jock, which
is an interesting one. So you know, sometimes you go
to like parties or like you have people over and
you're like, I'm gonna get some snacks and they've suggested
(13:28):
cheesels instead of chips because it looks more impressive and
they're often cheaper.
Speaker 3 (13:34):
I love a cheesel to It reminds me of like
a kindergarten party, Like the cheesels. They actually sit right
beside the fairy bread and they're across from the party
pie and like a little.
Speaker 1 (13:45):
Plastic what did you used to call them?
Speaker 3 (13:46):
I don't know, like the cocktail frankfurts, the like little
red frank fet Like.
Speaker 1 (13:51):
No, I'm not actually a.
Speaker 7 (13:54):
Little boy wiener.
Speaker 3 (13:55):
So what I used to call them when I was
little was little boys, and I just really inappropriate. But
like when you were little, you didn't you wouldn't know,
you don't know, And then yes, I was trying to
say cocktail Frankfurt, Jessica, not weener.
Speaker 7 (14:13):
Cocktail is just a suggestive yeah, but like.
Speaker 1 (14:16):
Who doesn't love a little cocktail? Frank Fit.
Speaker 3 (14:19):
We need the little toothpick though in it with a
little flag. We should have a kid's party at work, Conde.
Speaker 7 (14:25):
I would love that.
Speaker 1 (14:26):
Do you want what surely you had?
Speaker 7 (14:29):
Cavanosi?
Speaker 1 (14:30):
What is Cavanossi?
Speaker 7 (14:32):
He's basically saying he's just like harder, more gristly, way,
less yummy and like you know, long long, like the
red twiggs called twiggy sticks. Sorry it must be used
other whales thing.
Speaker 2 (14:44):
I have.
Speaker 1 (14:47):
Tweaky stick.
Speaker 10 (14:49):
Hey everyone, editor Sam here, and I was listening to
this audio. I heard the girls guess the Cavanossi is
twiggy sticks. Knew immediately that if we didn't correct that
the dms would blow up with people letting them know.
So just want to let everyone know. I've informed them,
and they wanted me to let you know that they
now know the very specific difference between these meats. Not
(15:12):
really sure why we're doing a full sandwich meat conversation,
but we are. Let's get back to it.
Speaker 3 (15:18):
For a second, I thought she was going to go
on to explain like Devon, like you know, like the
smiley face devon. Oh yes, And you know what, when
I was growing up, I used to think I was
so hard done by it because so many kids in
my class got Devon sandwiches with tomato sauce, and like,
I used to trade my mum's sandwiches for those, And
(15:38):
in hindsight, like my mom used to bake the bread.
My mom used to make like these beautiful salad sandwiches,
and I would hate on them so hard for because
I'd be like, ill, she puts mail on them and
the mayo goes soggy and all they wanted was a
Devon and sauce sandwich. Yeah, strasin sauce is what they
called it. Yep, jealous.
Speaker 7 (15:57):
You used to be crazy how everything's got a different
name every week go.
Speaker 4 (16:00):
You know.
Speaker 1 (16:00):
Yeah, it's like if I say, what's a prima?
Speaker 6 (16:03):
Like a juice box?
Speaker 1 (16:05):
But would you call them primus? You call them like,
no prima.
Speaker 3 (16:08):
In my head, I thought of like hem, Yeah, so
like at school, we used to call them premias, and
I was having this conversation.
Speaker 1 (16:14):
Brand, wasn't it Yeah yeah yeah, no, definitely different.
Speaker 2 (16:20):
No.
Speaker 3 (16:21):
I am glad that we got that whole sideline sorry, God,
how did we get there? How did we get to
Devin and jess Rickie?
Speaker 7 (16:29):
Somehow we always end up in the same spot with
our broke tip money wins.
Speaker 1 (16:33):
We really are. And I was gonna say, if you try.
Speaker 7 (16:37):
And either do what our listener did with the dice
and kind of reach out. I just recommend if anything
breaks anywhere in the world in something you know, something
that you own, let's say your dice and hair app
or whatever. Try And I was going to say, market
go and market place and look for the parts or
google the parts and.
Speaker 1 (16:55):
Just choose a hand. Deep down you have.
Speaker 7 (16:58):
My robot vacuum, like the little brushy thing e. I
replace those myself. Yes, And some people will be like,
I don't understand what's happening here. I'm just gonna get
a whole new, brand new one, you know, And so
just just try and do that first, or yes, go
to customer service. I'm sure there's a cheaper way. If
you've bought it once, you shouldn't have to buy it
again and again, you.
Speaker 6 (17:17):
Know what I'm saying.
Speaker 7 (17:18):
Yes, and oh sorry that one came from Emma. I'm
giving you credit where credit is to you and my
one for this week is if you can afford it.
So just want to like a tiny, little, very very
short backstory, you know how I'm saying that I have
like a million gym memberships.
Speaker 1 (17:35):
Do you still have a millionaire?
Speaker 7 (17:36):
I canceled all of them, I want to know on
but I got another one, just one, just one, So
it's like all clean. And I was like, you know,
signing up, and I realized that this is probably more
so if you are in a position of, you know,
you have some money to put towards something, which is
already a very privileged position to be. And so of course,
(17:57):
but as I was signing up, he gave me options
or three dollars per week or one hundred dollars a month,
or twenty dollars a week if I paid bi annually.
Speaker 10 (18:04):
Oh yeah.
Speaker 7 (18:04):
So it just made me realize, like, if you can
afford that, try to do I know a lot of
just that.
Speaker 3 (18:10):
It's where money has power, right, Like, that's where I
would call that, in the most non offensive way possible,
the poor tax. Yes, I agree, And I feel like
that is so rude because they're saying, if you've got
the cash, will give you an even better deal. Yeah,
and I love that, but the people who need the
better deal are the ones that don't have heaps of cash,
which I think is why it's so important to get
on top of our budgeting and our cash flow so
(18:32):
that we can seize opportunities like that. Like, how good
would it be if you had a heap of cash
in like saved, not even heaps, but like enough cash
so that you can save cash? Yeah, exactly, it's so
frustrating exactly.
Speaker 7 (18:44):
But even if you like what because legitimately what I'm
gonna do is put twenty bucks away every week for
six months, Yeah, and then hopefully I'll be able to
afford it, because right now obviously it cannot. But I
just thought, like, wow, wow, those people really be getting
some benefits.
Speaker 3 (19:00):
Same thing happens with like your life insurance and your
car insurance and like all of these other things. They
often offer a pretty nice discount to do a lump sum.
Speaker 7 (19:10):
Yeah, and like rude, I know, but anyway, that broke
tip is somewhat depressing, but also just good to know
it's actually a good broke tip, Thank you so much.
Speaker 1 (19:19):
Also, if they.
Speaker 3 (19:20):
Don't offer that and you have the cash, ask yeah,
what if I paid for a year can I get
a discount totally?
Speaker 1 (19:28):
Yeah, do that. I think that's a good one. I
love that.
Speaker 3 (19:32):
All right, Well, how about we go to a really
quick break we can talk more about party food and
on the flip side, we're going to be talking about
setting boundaries and knowing your worth, which is something I
am wildly passionate about talking about and something that you
slid into our dms about this week. What do you
do when you want to leave a relationship but financially
you just can't see how that's going to work?
Speaker 1 (19:53):
Guys, don't go anywhere.
Speaker 6 (19:59):
Welcome back, everybody. Let's take a listen to this week's
money dilemma.
Speaker 7 (20:04):
Hi.
Speaker 3 (20:04):
There, have you got a money dilemma you just can't
solve The She's on the Money team is here to help.
Every week we tackle your dilemmas, both big and small,
to answer your most burning money, career and life questions.
To get involved, simply head to our website and leave
us a short voice recording and you might just find
yourself on the show. Now, let's take a listen to
this week's money dilemma.
Speaker 4 (20:28):
Hi, guys, I have a money dilemma with a side
hustle that I really should be turning into a business,
because I feel that it's gone too far. I work
full time in a quite a good paying job, and
I also work casually in another quite good paying job, so.
Speaker 1 (20:46):
My time's quite full.
Speaker 4 (20:47):
But on the side, I also do a lot of
photography and videography work as a hobby. This hobby has
really expanded and I've had a lot of people reach
out to do their weddings. I've also had local councils
reach out to ask me to do events like it's
become quite a big thing. My issue is every time
(21:08):
I do a large job, so like a full day
wedding with videography or like a big event, I can't
charge them. I feel really guilty and I let them
have the work free, even though I have spent hours
doing this. I'm now beginning to hate photography, so I
don't know what to do. I don't know how to
(21:31):
now start charging or whether this is something I should
completely stop and just let this hobby go.
Speaker 1 (21:39):
Please help.
Speaker 4 (21:40):
I'm burning myself out in doing this, but I also
really struggle to say no.
Speaker 1 (21:46):
Girl, no stop that I want to get it. I
like tap tap tap on your hands, like absolutely not,
I get it.
Speaker 3 (21:53):
I get it, Like I get it too, but like
it's not just about knowing your worth, Like people are
genuinely taking advantage of you.
Speaker 1 (22:00):
We know that you're bad at saying no.
Speaker 4 (22:02):
Yeah.
Speaker 5 (22:03):
Those industries specifically, like weddings particularly, are known for being
really lucrative for photographers and videographers understandably, so it's a
lot of hard work and it's judging on that. But
like knowing what people pay for wedding photographers and they
know as well. If you're saying that those are big organizations,
it's not like, oh I did like a shoot for
a girlfriend who's starting a brand who maybe didn't know
(22:26):
how much photographers get paid, right, yeah, But like you're
saying you did big, They've done this before.
Speaker 1 (22:32):
This ain't their first rodeo.
Speaker 3 (22:34):
I get so angry about big organizations taking advantage of
smaller people. It actually happens so much, And Jess can
attest to this in our industry as well, of like
people reaching out and expecting that I would speak at
events for free, or expecting that I would go on
a panel for free when they're selling tickets to that
(22:56):
event and making money off it. Like there are so
many can you imagine Jesse, if I went public with
who takes advantage like, you would be shocked. Obviously I'm
not gonna do that, but you would be shocked about
the level of audacity that some organizations have and how
much power they hold. Like it's often the smaller businesses
(23:18):
that are like, oh my god, like how much does
it cost to do xyz? Because we'd love the opportunity
to work with you. And they're the ones that we're like,
hold on your brand new small business like gol We'll
do that, you know, for free or for a significant
discountel look after you. But like, it's the big business
says that take advantage and that kisses me off. I
don't think she should stop doing something she loves. We
(23:38):
need to flip it, though, into something that you continue
to love because you don't like it because it's being
associated with being taken advantage of and that's not fun.
Speaker 1 (23:48):
Beck, what would you do in this situation?
Speaker 7 (23:49):
Well, I totally totally get this feeling, because obviously I
do like little arts and crafts on the side, and
when someone asks me for a commissioned piece something that.
Speaker 3 (24:00):
I did and I tried to pay you for it
and you said no, So I don't know what to
do about this situation.
Speaker 7 (24:05):
So well, this is the thing is that if it's commissioned,
then it's like someone's giving me an idea and I'm
making it and they have no control over how it's
going to look. I have no control over whether they'll
enjoy it or not. And so in those situations, which
is weird because commissioned you expect, in any other situation
to be more expensive. Those pieces I do not even
charge for because no, I don't know what.
Speaker 1 (24:24):
I have a back, so I'm still going to pay it.
Speaker 3 (24:27):
No, they might hate it, I don't know, and so
that's I'm not going to hate it. It was made
with love by beck That's why it's very sweet.
Speaker 5 (24:34):
But can you just put a step in the middle
in an instance where you're like, oh, I'll draw up
a quick sketch so you have an understanding of what
it's going to look like.
Speaker 7 (24:40):
Kind of it it depends on because if it's ceramics,
and it depends on like it will look different after
both firings and after I've hand molded it, and like
there's no telling. So I'm sorry asking for a custom
piece based on seeing your previous custom work and enjoying
the way you craft things.
Speaker 1 (24:56):
No, you charge for that, that's true.
Speaker 7 (24:57):
Well, the thing I've decided to do is just not
do and maybe this will help for this person as well.
I'm not gonna do commission pieces unless, like you know,
it's a friend or something. And I because I actually
do enjoy doing it, it's not a problem for me.
But what I'm gonna do instead is I'm going to
make stuff and then put it online with already a
price on it, and then they people pay for it,
and then I sell it. Because that way, I can
(25:19):
imagine with this person, like they've come in, they've been
asked to a job, they come do the job. Afterward,
when they're discussing money, it's like, oh, this is really awkward.
I don't want to do this. I'm not going to charge.
But instead, if you had an option, maybe like an
online situation where someone paid in advance, you pay for
a let's say like a package where you're like, I
send one hundred photos, I take out however many I
(25:41):
send you one hundred, I have a thirty second video.
You have packages, and you pay for the package in advance,
so by the time you go and do the work,
everything's being paid for. You don't need to discuss it.
You send everything you need. It says a problem after
they'll come to you, and then you can be like
and the chances of them coming back to you and
being like, I have a problem with whatever, then you
(26:01):
know the chance is very low. So but if that happens,
then you can decide to give fifty percent back or
all of the back, or whatever the hell you want
to do. But paying an advance and just completely separating
yourself from them. It's just a complete stranger on your
website deciding to buy something. You get notified someone's paid
for a service, then you go forward with the service.
(26:22):
That kind of like because I get I really get
the feeling of like talking to someone and then be
like how much is this and be like.
Speaker 3 (26:28):
Ah, it's really awkward, am I? And that's where I
that's where I think you need to get really clean
and clear on your language, and like, this is something
that I think Jess is really bloody good at. So yes,
let's pretend it's us for a hot second, because it's
really good and it does have example right, So let's
pretend that we've got a client that we worked with
(26:49):
and that's never paid us, and we're like, yeah, cool,
we would like to be now paid for the work
that we do.
Speaker 1 (26:55):
How would you approach that? I think?
Speaker 6 (26:58):
So what we because.
Speaker 3 (26:59):
Also backtrack for those of you because we've got a
lot of new listeners at the moment, which is very cool.
Speaker 1 (27:04):
Jess.
Speaker 3 (27:04):
There's also head of Partnerships for she's on the money.
So she's not just like the hot girl that's on
our podcast, is she like? She's also actually really really
smart in this space. So you've come to the right place, guys.
Speaker 5 (27:16):
Yeah, I think the biggest thing, and this is something
you taught me VD, is just operate on the assumption
when somebody comes to you, like someone says, hey, I
really want to work with you, even though they haven't
said it, they want to pay you for your work,
because in our minds, we assume that all professionals should
be paid for the jobs that they're doing, so because it's.
Speaker 3 (27:33):
Way more awkward if they have to put on the table. Oh,
I just assumed you'd work for free, correct And you go,
I don't know why you would have had that assumption
as opposed to working on the opposite assumption that they
think it's going to be free, and you have to
convince them yea, because that is a power play.
Speaker 1 (27:50):
Yeah.
Speaker 5 (27:51):
So it's when someone messages you or emails you or
whatever it is and says, hey, we really love to
work with you. The first thing that you should be
doing is sending off your rate card. So what Beck
was saying, whether you have individual you know, you might
have a day rate, a half day rate, or packages
for you know, X amount of photos, x amount of hours, whatever,
however you want to set it up, have a think
about what you want to charge, look at other people
(28:11):
in your industry, put.
Speaker 3 (28:12):
Together what that looks like for you. Anytime someone inquires
with you, you're oh, my goodness, I would love to
help you bring your vision to life.
Speaker 5 (28:18):
This is so exciting. I've attached my rate card. Let
me know if you've got any questions, because that then you.
Speaker 1 (28:24):
Can go from there.
Speaker 3 (28:24):
You're like putting a line in the sand that these
are your expectations.
Speaker 1 (28:28):
And now these.
Speaker 3 (28:29):
People have to come back and say, oh, well, we
were actually hoping you'd do it for free, or we
are we didn't expect that, and that's so fine.
Speaker 1 (28:37):
But I think it's about updating your language.
Speaker 3 (28:40):
So if we've done it, for free historically, Like, even
if we've done it for free, we can use the
language of like, oh, hey, we've actually recently updated our rates. Yeah, yes,
my rates before were zero, but now I'm charging for them.
Speaker 1 (28:54):
I don't have to justify that to you.
Speaker 3 (28:55):
I do not owe you an explanation on wanting to
be paid for work that I'm doing. Like, I don't
owe you an explanation. So, hey, our rates have updated recently.
I've actually attached them for you. Have a quick look
at that, and then once you've got a good idea
of what you want to lock in, let me know when.
Speaker 1 (29:13):
We can have a meeting.
Speaker 6 (29:14):
Yeah.
Speaker 5 (29:14):
Correct, And from there you can negotiate, you can do whatever.
If you want to offer discounts for friends and family,
you can do all those things. But I think it's
genuinely just going oh, like, my default is I charge
these prices, and my expectation is that anyone contacting me
would understand that there's a fee attached, and I'm just
letting them know what those fees are one hundred percent.
Speaker 1 (29:31):
That's really nice.
Speaker 3 (29:32):
Also, how good is the transparency of letting people know
the fees before wasting either of our times on having
a conversation, because there's nothing worse right even as me. Like,
you know, let's say I am hiring a new photographer
and I do this all the time, and you know,
I'm engaging the service of somebody in a once off capacity.
(29:53):
We're doing a cute Xella money photoshoot, and I want
to work with somebody I love when they send the
rates first so that I know what to expect, because
then I'm not having a whole conversation about me being like, oh,
I found you on Instagram and I really liked your
work and I really want to work with you. And
then the rate comes back at like five times what
I had thought it might be, and then I have
to go, oh, hey, like that's actually not in budget
(30:14):
for us right now, like I've wasted their time, I've
wasted my time. If they are giving me the rates upfront,
I can go, oh my goodness, I'm brainstorming in my head. Okay,
well that fits in budget, and oh I could add
in this social aspect, all this, this and this. It's
an opportunity for upsell before you've even sold to me. Yeah,
Like I'm looking at that and going okay, well that's
reasonable and that if it's not within budget. I might
(30:35):
go back and be like, hey, Jess, for example, I've
had a look at your rate card and unfortunately it
doesn't fit within budget. Thank you so much for your time.
That's then their opportunity to if they wanted.
Speaker 1 (30:46):
To offer a discount.
Speaker 3 (30:48):
But from my perspective, I'm not undervaluing a freelancer or
a service provider by saying can you do it cheaper.
It's like, there's a reason they have those rates, And
if they have those rates, I can promise you they
have thought long and hard about what their value is
and just because I can't afford it doesn't mean they
have to lower their prices to meet my expectations.
Speaker 6 (31:10):
No, it's actually it's the flip.
Speaker 5 (31:11):
Really like, if that's what happens when someone comes back
and goes, oh, I'm so sorry, I only had Let's
say you're going to charge two thousand and they only
had one thousand, that's your opportunity to say, okay, four
one thousand dollars. I can do xyz and maybe you
drop some of the deliverables off, or you take a
couple of hours off of the day so ice they're
doing a full day, or do a half day or
something like that, like that's your chance to then go, Okay,
well I we can negotiate this XYZ within your existing budget,
(31:35):
because I think the thing for freelancers all of the
time is the fear of when you you're scared of
putting your rates out there. And I get this as
someone who freelances. You're scared of putting your rates out
there and then the opportunity going away completely. You're almost like, well,
I'd rather to have one hundred dollars than no money
at all.
Speaker 3 (31:50):
But if you're being paid to begin with, I don't
think you should be working with those people. To be
quite blunt, like, yeah, if you are working with people
that you adore but they aren't paying you, and then
you put rates on the table and they go away,
they were never there for you. They were there because
they were able to take advantage of you. They weren't
there because they're like, oh, Jess is the best ever
there this? Go find your people. Go find clients that
(32:13):
actually pay you. Go find people that see value in
the work that you have, because right now you're just
finding free loaders who are taking advantage of a situation.
Speaker 1 (32:21):
Let them go find someone else.
Speaker 5 (32:23):
Yeah, and local councils specifically always have budget allocated of
these things they do before.
Speaker 6 (32:29):
Like they have budget, so like they can afford to
pay you.
Speaker 1 (32:32):
Yeah, one hundred percent.
Speaker 3 (32:33):
And like if they have decided that they want you
and you've put rates on the table, it can be
so overwhelming putting your rates out and being like, oh,
i'm exper hour, I'm this, or i'm that. You're like
what if they come back, if they really want you,
they're going to come back and politely explain, I'm so sorry, Jess,
we don't have budget, and that's your opportunity to let
them know what.
Speaker 1 (32:54):
That looks like.
Speaker 3 (32:55):
But then on the flip side, it means that they
always see your value, so like that they know that
they're getting a significant discount. Like and we always if
we're working with a client at a discount, which we
do sometimes, we always make sure we articulate why we're
doing it, so we're not just like, oh, yeah, we
could definitely do it for less. We're like, oh, look
(33:15):
we've had it, and we'll taliate to the clients for examples,
yeah for example exactly, but we will articulate to them
why they are getting a budget discount or whatever it is,
because I might go, look, you're a really good brand
for my community, and while you don't have budget, I
think that they would get a lot of value out
of this as well. We clearly don't do this often,
but it gives us an opportunity to build the relationship,
(33:39):
and they're obviously grateful because it now fits within budget.
But then if they revisit us again, like the same rate, supply,
I can't always discount my rates, so we're not setting
an expectation that now our relationship is worthless, like I'll
work for less this time and we'll see how it goes.
Speaker 1 (33:56):
Because I think that.
Speaker 3 (33:57):
The community would love it, or I think that this
would work really well, and I think going from there.
But like, if people are taking advantage of you, they
are not your people. They're not good clients, full stop.
Speaker 1 (34:06):
End of story.
Speaker 7 (34:06):
Yeah, yeah, start charging for your work.
Speaker 1 (34:09):
Go on before I actually lose my mind.
Speaker 3 (34:11):
Guys, we had a DM this week and you know what,
this one makes me really sad because there are lots
of people in this situation.
Speaker 1 (34:20):
Would you like to hear it? Yes? Please?
Speaker 3 (34:23):
High shes on the money. I haven't told anybody this yet.
I want to leave my husband, but I don't think
I can afford to financially. We've wrapped up debt in
both our names over the years, and most of it
was from his spending, as it's in both of our names.
If I walk away, I still owe Huff. I've run
the numbers and between rent bills and my share of debt,
(34:44):
I actually don't think I can make this work on
my own. I feel completely stuck. I'm trapped in a
relationship I don't want to be in because of money.
Has anyone else been here? How do you leave when
it feels financially impossible.
Speaker 7 (34:58):
I'm really glad we're talking about this because there's so
many people in this situation, and it will always looks
so different. In the most ideal world, your husband is
a very sweet person and is willing to work with
you on this, But in a lot of cases, either
they're really hostile, they're not very happy that you want
to separate, and they're going to make things very difficult
for you, and in really, really really sad cases, they're
(35:21):
quite abusive and you feel scared for your life to leave.
Speaker 1 (35:25):
It's so cooked.
Speaker 3 (35:26):
It gives me goosebumps talking about this because there are
so many women that have approached me over the years
in this exact situation, and just I don't want anyone
to be in that, Like I want you to have cash,
not just so that we can buy cool shiny things.
I want you to have cash that you've got choices
so you can leave a situation you don't want to
be in, whether that is a partner or a workplace,
(35:47):
or even just like you're out for the night and
you don't want to be anymore and you don't feel
safe getting the train home, Like I want you to
be able to leave places, and all women deserve that,
Like it just, oh my god, Beck, it just upsets.
Speaker 7 (35:59):
Me totally, and what I immediately think of now, I
don't know, I don't know how financially smart this is,
but I'm just thinking about like my world and my
mom as well. Like luckily for us, we were in
a situation where, like you know, we were scared for
our lives or scared of being harassed and kind of
like chased down for leaving. So we were very lucky
in that situation. But the first thing that came to
(36:20):
mind was can you maybe if it's wise or possible
for you, I would file for bankruptcy. Personally, this is
probably not good advice, but I would file for bankruptcy.
Speaker 1 (36:31):
I would clear that debt.
Speaker 7 (36:32):
I would get myself a job anywhere I can, and
just be like, Okay, I'm starting from zero now, and
I'm going to move into a sharehouse, or I'm going
to go and look at what resources are available, maybe
a what are they called, sorry, the women's shelters. Sorry,
that's the word. With or without children? Obviously it's very
very difficult, but without I'm thinking as long as you're
kind of like starting from scratch, I'm also assuming there
(36:53):
are not sources available, friends, family, things like that, just
in case, so shelters. Personally, i'd file for bankruptcy. I
don't know about you, guys, because I'm like, I'm trying
to leave a situation and I can't afford to it,
literally cannot afford to do that. And so I'm finding
as cheap and as affordable housing as I can. I'm
getting any job that I can. My priority right now
(37:16):
is not to get on top of my debt and
get on top of my finances and make sure I've
got an emergency fund. As not my worry right now.
My worry is feeding myself, finding housing starting from there,
and then going wherever the hell you can. But yes,
that's my advice. I don't know if you guys are
on the bankruptcy train with me.
Speaker 1 (37:36):
It does. It depends how much debt.
Speaker 3 (37:38):
It depends how much how much debt because bankruptcy, while
I know you've spoken publicly about having utilized that yourself,
you were in so much debt that you weren't going
to get out of it. Like you know, bankruptcy stays
on your record for seven years, and there's a lot
of stuff that like a lot of criteria that you
need to meet during that period of time, right and
like you've like is the word struggled or you've you've
(38:00):
dealt with this over the last yeah, six or seven years,
like your phone plan.
Speaker 7 (38:04):
Yeah, And I do want to say, like for context
and just so this person knows, I don't think it
has affected me at all. But I also haven't needed
to get a home loan or anything like that. But
right now I am able to get everything because it's.
Speaker 3 (38:16):
It was tweet if it's like thousands and thousands, or
if it's like two thousand dollars worth of debt at
this point and like it's a good option, but I
think from my perspective, it wouldn't be the first Porto call, Like,
I want you to make a plan and see what
we can do with outgoing bankrupt because I literally run
a mortgage broking business. I have seen women come out
(38:37):
of these situations and in two years flip their entire
situation and own their own home. And like, I don't
want anybody to have to wait because of a situation
they were in. I think for you it made a
lot of sense. And like there are and we've done
podcasts on bankruptcy. Maybe we'll link them in the show
notes as well. But there are so many situations where
(38:58):
bankruptcy is the perfect bit like clean slate for somebody,
like it just wipes everything. It is actually sometimes so
empowering to go, you know what, I'm going to surrender
to this, wipe me clean. I know that there are
like rules and regulations and whatever that I'm going to
have to abide by, but that is so much better
than the fifty plus years it probably would have taken
(39:20):
me to get out of that debt. And I can
just start building well for on my own and taking
my power back. I adore that, but like, let's look
at all our options that can be one of them
and make the decision that makes sense for our situation.
Speaker 1 (39:33):
If that is fair, ess what would you be doing?
Speaker 5 (39:36):
I'm not sure if how Lis is only sorry, it
sounds like maybe you have, but if you haven't running
a full budget of what you would need to pay
to exist on your own, because obviously, as you're kind
of getting out, in addition to taking on your debt,
repayments and stuff, you're going to be no longer splitting
costs that historically you probably were, like the cost of.
Speaker 6 (39:52):
Food, your electricity, you're housing.
Speaker 5 (39:55):
So put together a budget, figure out what that housing
situation looks like. Are you looking at shelters, are you
looking to share house? Have you got somebody you can
move in with? How long will that term be for?
Run your numbers, figure out what you need to live on,
figure out what the deficity is, and then go, Okay,
do I need to get a second job? You know,
it's no one wants to do that, but as someone
(40:15):
who works two jobs for the majority of their working life,
it's doable.
Speaker 2 (40:19):
You know.
Speaker 5 (40:20):
It's sometimes we have to sacrifice short term to put
ourselves in a good position long term. So whatever hold,
whatever job you've got now, can you waitress in the
evenings or on the weekends, can you bartend? Can you
do some kind of shift work, warehousing. There's a lot
of options out there. It is hard, like I'm not
going to lie to you, but it is better than
being in a situation that you don't want to be in.
(40:40):
Once you've got an idea of your numbers, I would
also be calling our friends in the National Debt Help
Line they are to spread.
Speaker 1 (40:46):
About them out. Yes, absolutely, they're a great resource.
Speaker 5 (40:49):
They have access to financial counselors. They'll be able to
be financial counselors, and they will be able to help
you come up with a plan. They have access to
a lot of resources. They're well versed in all the
support programs that are available. You know that our government
assistance programs for people who are leaving hard situations. Again,
we don't really know exactly what your situation looks like,
(41:10):
but if those resources are needed, they will be able
to point you in the right direction. So have a
chat to them because they will be able to kind
of table for you what all the options are. It
will likely include bankruptcy as an option. It might include,
you know, consolidating your debt. They will be able to
talk you through all the different things having looked at
your situation holistically, because obviously, where we've just got a
(41:30):
DM to go off of, we we can only provide
very generalized insite. So I think having someone look at
your situation in depth and provide you all of your
options will probably be really empowering for you to help
you see what the right move is. So I would
be having a chat to them and yeah, I would
really just be running your numbers and seeing, Okay, well
how much money do I need to make and what
(41:51):
can I do to make that happen? Because it is
a short term thing. We've said before, living by yourself
is far more expensive than living with a cup. That's
unfortunately just the reality of it. But there are lots
of things that you can do to lessen that burden,
like share housing and things like that too.
Speaker 7 (42:07):
Yes, also sendlink is also a really good option. Also,
if you're on sendlink for a certain amount of time,
you can claim financial hardship. It's a whole thing.
Speaker 3 (42:14):
Maybe just Google yah literally can get in touch with
the National Debt Helpline. They are incredible and They're not
just for people who are up Chip Creek without a paddle.
I think so many times you think you can't call
these services because your situation isn't bad enough for that,
you aren't as in need just call like because they'll
let you know and be like, oh, actually you're fine,
(42:37):
and maybe that's the validation you need to leave, Like
you might be not budgeting correctly and they can like
tweak a few things and then you're on in your.
Speaker 1 (42:45):
Way, right.
Speaker 3 (42:46):
Yeah, But I think that the other thing I want
to say is one eight hundred. Respect is a really
fantastic resource that again is underutilized because so many times
you think, oh, I have to be in a super
abusive relationship or I have to be in these like
really really bad situations to reach out. But you could
pick up the phone and they can give you the
(43:06):
emotional support you need, a little bit of guidance, like
some resources that are going to point you in the
right direction and on the right path. And then also
it takes a village, so like you've obviously sat down
and done all of the numbers and you're just like
probably in your own head about the plans and what's
going on. Sometimes we need to reach out sometimes we
(43:29):
need to get in contact with these resources. I'm not
saying you have to tell your friends and family. And
I feel so privileged to have seen this DM coming
through because you've just told me. I haven't told anybody,
but I think I'm going to leave my husband. Thank
you for trusting us with that. Like, I want to
know that you are safe and well and on the
right path. But the best way to do that is
(43:50):
to literally reach out to some professionals and be like, look,
I really want to leave my husband, and I have
done all the budget and I don't think it's going
to be possible, and they're going to go, Okay, sit down,
sit down.
Speaker 1 (44:01):
What we can do is and they're.
Speaker 3 (44:03):
Going to be able to lean on different resources and
work out what you're eligible for, and just they're there
to help you. They aren't there for the worst of
the worst situations. They absolutely are, but like they're also
there for you. So we're going to put those resources
in the show notes, and I'm hoping that you know,
you take us up on those because they are literally
(44:23):
beautiful people. We also asked the community, so we said,
what would you guys do if you are our community? Member,
sixty eight percent of you said I'm going to start
planning for a secret financial exit, sixteen percent of you
said I'm going to leave even if it means struggling,
fifteen percent said I honestly don't know what to do,
and then one percent said I'm actually just going to
(44:44):
stay to share the financial load.
Speaker 5 (44:47):
It's horrible that people find themselves in a situation where
they feel that they have to do that.
Speaker 1 (44:51):
Yeah.
Speaker 3 (44:52):
We then asked, have you ever felt stuck in a
relationship because of money? Fifty three percent of you, thank god,
said no. Luckily, twenty eight percent of you said no,
but I've seen it all around me. Thirteen percent of
you said yes and I left, and six percent of
you said, yep, I'm still there. So then we said
we want you two cents, like, what advice have you
(45:13):
got for our listener? What advice have you got for
our community member? First person said, legal advice is the
best step here. Often the debt isn't actually split evenly,
as overall it may not be fifty to fifty, and
it can be allocated more to your partner.
Speaker 1 (45:27):
It's a great point.
Speaker 3 (45:28):
Well, I think it's a really good point as well, because,
like you're just operating under the assumption. Well, both of
our names are on it.
Speaker 1 (45:34):
It is my debt.
Speaker 3 (45:35):
Like that doesn't mean it can't be negotiated to go,
hey mate, yes, we're getting a divorce. Obviously financially, we've
wracked up heaps of credit card debt. It actually was
all you and not me, and I want to leave
this relationship cleanly, like obviously might not be as clean
as this, But they go, yeah, no worries.
Speaker 5 (45:53):
Or can you sell some the asset, Like if he's
brought a boat, great, like either you take on the
debt or selling the boat, you know.
Speaker 1 (45:58):
Things like that.
Speaker 3 (45:59):
Yeah, like filing for bankruptcy would impact him as well
in this situation, so like there might be some ting
and throwing. And if you talk to the National Debt
Helpline they can give you options on what that might
actually look like.
Speaker 1 (46:12):
Someone else said, I've been there, Please call the National
Debt Hotline. They were awesome.
Speaker 3 (46:18):
Someone else said, what you said, Beck, go to sentling
and see what you might be entitled to.
Speaker 2 (46:22):
Mm hmm.
Speaker 3 (46:22):
Another person didla a three parter. So first was this
was me I left with debt as our credit card
was in my name. I sold our unit at a loss.
I have regrets as I wish I bought the unit,
but don't regret leaving him for a minute. That was
the best decision ever. Now, thirteen years later, I am
in a great financial position with a fantastic husband and father.
(46:46):
Isn't that so cute? Someone else said, can you safely
be honest with him? If not, can you lean on
your support system, Like can you sit down and have
a chat, because obviously he doesn't know yet. Someone said,
stayid with someone eight months un till he paid me
back the fifteen thousand dollars I lent him and then
I left.
Speaker 1 (47:05):
I mean, as you should, absolutely, but like.
Speaker 3 (47:08):
They should be paying it back, not be stuck in
a relationship with you, Like if money is owed, money
is owed.
Speaker 1 (47:14):
And then I've got two more. Someone said, leave your husband.
Speaker 3 (47:17):
You're going to be better off financially, mentally and emotionally.
Speaker 2 (47:21):
We know.
Speaker 3 (47:22):
And then the last one is my friend tried creating
a plan, but he continued to increase the debt. You
actually just need to get help now and leave, yes,
because like otherwise it might just compound, like he might
just get more spend ye, And I mean we know
that if you're not happy and in a relationship spending
my increase and budgets aren't stuck to like.
Speaker 7 (47:43):
That is a really tricky one, but I do hope
this is okay. Please keep us updated if you have
any questions about the bankruptcy thing. I almost got done
by someone who was like, I'll pay me x amount
of money and I'll do your bankruptcy. You can do
it for free by yourself. Let me know if you
need any help with that, and we'll.
Speaker 5 (47:58):
Put all the links to all the recent as we're
trying to hundred for anyone you know might need them.
There's some really great organizations out there that can help
you get.
Speaker 1 (48:07):
One hundred percent.
Speaker 3 (48:07):
Well that's all from us today, guys. We will see
you next week. I've got a money diary brighton early
on Monday morning for you.
Speaker 1 (48:14):
But have the best weekend, by guys.
Speaker 3 (48:16):
By the advice shared on She's on the Money is
general in nature and does not consider your individual circumstances.
She's on the Money exists purely for educational purposes and
should not be relied upon to make an investment or
financial decision.
Speaker 1 (48:36):
If you do choose to buy a financial.
Speaker 9 (48:38):
Product, read the pds TMD and obtain appropriate financial.
Speaker 1 (48:41):
Advice tailored towards your needs.
Speaker 9 (48:44):
Victoria Divine and She's on the Money are authorized representatives
of money sheirper Pty Ltd ABN three two one IS
six four nine two seven seven zero eight AFSL four
five one two eight ninet
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