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

Episode Date: August 15, 2024

The team is back for Friday Drinks as they celebrate your money wins, reveal your real-life confessions, and share some savvy broke tips! This week's Money Dilemma is about the challenges of managing your money when you're single. Plus, they share their hot takes on what to do when you think your partner has an online shopping addiction.  Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. 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. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs.  Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708,  AFSL - 451289.See omnystudio.com/listener for privacy information.

Hello, my name is Natasha Nabanunga-Bamblett. I'm a proud Yorta Yorta, Kernai, Wolperi and Awadjeri 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 Awadjeri country, acknowledging the elders, the ancestors and the next generation coming 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. Let's get into it. She's on the money. She's on the money.

hello and welcome to she's on the money the podcast for millennials who want financial freedom. Welcome back to another one of our Friday episodes where we get our little team together and celebrate you, our incredible She's On The Money community. This week, Ms. Jessica Ricci is going to be sharing her favorite money wins. Ms. Bex Syed is back and she has a couple of broke tips for us. We're going to be talking this week about a juicy money dilemma. This week, we're going to be answering a question about how to be smart with your money when you're single. And we're going to be unpacking something that you slid into our DMs about this week. We're talking about what to do when you've got concerns about your

partner's spending habits. Before we get there though, Bec, Jess, how were your weeks? Jess, you go first. Thank you. My week's been good. Nothing exciting. I've been watching a lot of Bama Rush TikTok. Yeah, I sent you the first video that came up onto my feed. I was like, I'm working on the algorithm for you. I have curated it. It's like every second video and I'm living for and all I can think about is how much I would have bodied being a sorority girl because they do like all these cute themes for each day and they wear these little costumes. Jess was actually born to be American in like the non-offensive way. Oh yeah.

Not in the gun-toting way. You're not a gun-tutor. No, no, no. No, but like in the deep south sorority way. Yeah. I feel like Jess was meant to be born into a billionaire household so that she could like theme everything, not work, like just. I would have been a great rich housewife.

Yeah, you know, you can still work towards that, work towards that. Yeah, yeah, yeah, it's not impossible. I just know that you would have been living your best life. Like I just know that if I said to Jess tomorrow, we're going to get up, we're going to go to Starbucks, her ears would already be pricked. Yes. We're going to Target. We're going to walk around Target.

We're going to go to Pilates at lunchtime. We're going to go get Cobb salads and some crispy Diet Coke. She'd be like, I'll do anything. It's fun. Whenever we go to the U.S. for a work trip, it's like we get to cosplay it for like two weeks. Yeah, we literally do. You know those TikToks where it's like they show the college girls,

like they're about to go to college and they're like, my name's... And I'm going to Ole Miss. That, I can so see that for you. I don't want anything else for you. I just want that to come to fruition. So if there is a billionaire listening that would like to adopt Jess so she can live her best American sorority girl life.

Yes. I'll be a mature-aged student. Do you reckon sororities take 30 years? It's worth a crack. With skin like that. Baby girl. You know what you could do instead? Mormon housewife.

Did you see that they're making a reality show? No, but I want to watch it. What is it, The Secret Lives of Mormon Wives or something like that? Say less. It's a whole other conversation. we'll have this conversation later we've just piped up jess um and made her believe that things that are never going to happen might happen so i love that beck how's your week um my week my week my week i got back from sydney because it's birthday month it's birthday month yeah it is a

bit of a shame i do feel like the birthday magic's wearing off it's now like midway through august so i'm like you're right at the end of july which makes it hard yeah and i'm like oh how much longer can i stretch this you know but i'm i'm still trying so literally the rest of the month yeah We're only halfway through, so you're okay. The limit does not exist. Yeah, I think that's probably true. And once this is over, then we've got Halloween, we've got Christmas. Like the magic just keeps on rolling.

Jess knows. You get it. I get it. You get it. But no, my week's been really good. It's been really chill. I'm still trying to like look for a house. So anyone, anywhere out there, I think at this point I'm only going north side.

I'm a beggar and I can't be a chooser. So if anyone has a house. Also, she's being a chooser by refusing to go east side. Or south side or west side. Yes, that's true. I think I will still be a choose-up. But no, if anything comes up and I'm like, hey, Heidelberg doesn't sound so bad, then maybe I'll...

Is that still Northside? I have no idea. I'm from the West, so I couldn't tell you. I'll go West. Geography is just not for me. No, me either. Well, I'll go anywhere. So that's my current situation.

So the week's... Yeah, it's been... But otherwise, it's been good. What about you? Good. Mine has been decidedly more boring than yours. I feel like I've finally got into the daycare groove. Exciting.

I am loving it. And I feel like we should talk about this because I feel like so many mums on TikTok and Instagram, they're always talking about like, oh my gosh, I feel so guilty going back to work or I feel so guilty that my kid's in daycare. Harvey loves it. Like he's having the best time ever. They have this little app where they upload photos throughout the day and tell you what they're up to. And I'm just like, these are things that I just don't have the brain capacity for. Like he's doing all these sensory activities. And like last week they did baby Olympics. Oh, cute. What does that involve?

Like, be for real. Turns out maybe our educator is a really great storyteller because like the written thing said, oh my gosh, the kids put on a spectacular performance today. They were doing artistic gymnastics and Harvey really shone through. And then there's just this picture of my baby who cannot sit up, laying on a mat, looking like a little sweet potato, holding a rainbow ribbon rattle. And that's his artistic gymnastics. Brought home the gold.

That's so cute. And like, I mean, the other kids, because obviously the app gets updated with all the kids, they're like doing like climbing activities and like running races and stuff. and it was just so wholesome. And I just know that he's having the best time while I get to come back to work and be my best self. And I just think it's so good. And we need to talk more about this because my week has been made knowing that he's had a good week at daycare. And then I come home and I'm like, tell me about your baby day. Like, what did you do? Obviously, he can't respond yet. I'm not that delusional. But I go through the app and I'm like, oh, you did this. And then

did you have this? And oh, you had a bottle at this time. And I tell him about my day. And I'm like this is gonna work for us like I really like it so yeah a bit boring back at work back in the office I feel like I've spent a few days in the office more than what I would usually but so good so good you got to keep your sanity you got to talk to people your own age I feel like you do and I mean if you want to stay home great like fantastic it's different horses for different courses but I just knew this was going to be part of the narrative and I have had a few messages from people because I've posted on my Instagram like Harvey is like daycare fit or whatever and they're like oh my gosh how are you going with daycare do you feel guilty and I'm like hold up

why is that part of the yeah why is that part of the narrative why would I feel guilty yeah do you know how expensive daycare is like if I turned around to you Beck and said I'm spending 192 dollars a day on you you'd be like blessed yeah yeah I wouldn't be like do you feel guilty No. So I just, yeah, I think it's important to talk about because it's meant that I am so much happier at work as well, knowing that he's happy and having a really good time. But that's not what today's about. Today's about our community. So let's dive straight in. Jess, I saw the Money Wins thread this week and there were some good ones. What have you pulled out to share? Alrighty. My first one this week comes from Natasha, who said she's currently putting

up curtains throughout her house. She got a quote and they said for one room, a singular room, it was going to cost her over $1,200. Crazy. Who knew curtains were so expensive? Not me. I know. We did remember when we got that quote for the office. And then, well, we did a bit of a Natasha. We decided to do it ourselves, which is exactly what she did. She went to Spotlight. They had a 40% off sale. She got all of her curtains for $600. Money win. Money win. We did basically the same thing, but we got them through Freedom and we just installed them ourselves. What do they do?

Just like, you know, those sheer curtains? Yeah. I don't know. It was so expensive. Yeah. And they, like, they just hang them, but you could just hang them. Well, I'm assuming they also make them. Like, they make the curtains and then hang them.

And, I mean, you do get the extra bonus of having them, like, trimmed to the right size. Sure. We did that ourselves. Have you met Jess? She's now the proud owner of a sewing machine. She can do anything. Crafty queens.

Next, I've got a money win from Anthea, who said money win. We've built a chicken coop out the back. This one's for you, Bec. We had stuff laying around on our block. We only were $40 out of pocket for, like, some basic stuff like screws and buckets. They already had the space in the yard and they repurposed an aviary that their dad had built 28 years ago.

Oh, my gosh. Very wholesome. And there is a photo of the chicken coop. Oh, okay. I was about to say we've got pictures. Oh, wow. That's a whole house. Yeah, literally.

Like, you could move it. Is it in the north, though? probably this is going to be an issue if it's not i'll take anything at this point i will leave a new chicken coop no worries next i've got a money win from alicia who said i bought a very old very burnt le crusier pot for anyone who doesn't know le crusier ah like super bougie very expensive like 400 like pots but they're very well made they're cast iron they last you a lifetime i really want one but i can't justify it i agree they're stunning i don't do enough like of that baking to get the proper lucrative.

Like I just don't have. Like if you said, Victoria, it's a fry pan that you'd use every night for dinner while cooking your marley spoons, I'd be like, Slate, can invest. No. Not a Dutch oven. I think they do other stuff, but I'm not sure. Anyway, Alicia found this one for $50 on Facebook Marketplace.

She cleaned it up with a lot of scrubbing and soaking and it looks perfect now. She put in a photo and it was 90% off of the normal retail price. Oh, my God. Look at her. What a good job she did. Show me. That is so good.

Oh, do you know what? This woman, woman after my own heart. How should you do that? I think that she would like my cleaning stories highlight on my Instagram because I'm a cleaner at heart. Have you seen me in a can of oven cleaner? She loves to scrub. I love it.

You think I'm joking, Bec? No, I mean. After the show, I'm going to show you my highlights. I've seen you. I've seen you. If I'm in a room with you and a can of oven spray, I know that I'm not being seen all year. Run, that's real toxic.

We only spray oven spray outside, Bec. Oh, my gosh. All right, next we've got a money win from Matilda who said, last night she got to see Beauty and the Beast with a friend and they only paid $24 per ticket because they won the lottery. It's definitely worth entering the lotteries. What? So I'm getting there with the context.

It's definitely worth entering the lotteries on the Today Tix app. There's one for Wicked too. You might remember me saying a while ago I was trying to win tickets to Wicked, didn't win sadly. You never saw Wicked buy. You can often enter last-minute lottery when they have extra seats left in the theatre. they'll sometimes do it at like the stage door but apps like today ticks also do it and you enter

and you just go in the for a chance to be able to buy like a really cheap ticket so in this case they were doing 24 tickets to see beauty and the beast musical that's so cool i feel like they're so expensive nowadays i was gonna say i feel like like the right at the back seats are still like 80 90 bucks normally and you know up into the hundreds depending on how close you get so 24 dollars is a steal oh my god well done was just thinking wait she won the lottery and still had to pay. Someone writes in one day is like, my money win is I won the Powerball or something like that. I had a client do that. Not a pre-existing client. This is a number of years ago. They came to me and said, I need financial advice. And I was like, great, no worries. Come

my way. And I was thinking like, oh, this is probably like, you know, going to be a smaller client. Cause you know, you have in your head, like maybe what a client's going to be like after you read their fact find and like a few details. And they had omitted that. I was thinking, okay, uni student like probably like we're going to talk about budget and cash flow and she's like so I won like five million dollars and I was like sorry what and she's like and I just I don't really know what to do and I was like this is very exciting who knows and she's like well a while ago you said on a podcast like you don't have to tell anyone so I haven't told anyone and I was like oh okay so have you claimed the money yet and like I'm thinking that maybe it's a joke anyway

full financial plan it was not a joke she did end up telling her parents doing some incredible things for her family she donated some money she set herself up for life but imagine winning five mil yeah I regularly fantasize about what I would do if I won the lottery and like she was most worried at that time sorry I know that the person who who uh one listens to the show still say hi but she was so worried in that meeting with me she's like do i have to pay you now or like can i pay you later because i don't have the money now like i can't pay for advice now and i was like oh this is fine this is fine no worries you're good for it imagine being like i know i have five million dollars coming but i yeah i'm worried about you know a three thousand dollar

invoice like i i get it yeah but holy moly yeah i was like how does it feel to live my dream i Literally. Completely. Well, speaking of living the dream. Jess would quit and move to America. Totally. I'd be my own rich stay-at-home housewife. You're like, I'm moving to Utah.

See you later. Minding win from Amanda, talking about random crazy things. Apparently, Amazon Prime is filming a movie on the Goldie with Mark Wahlberg, and they asked if they could do some filming on their cane farm. They paid them $20,000 for three or four days of filming on their property. You can have my house? Literally. My God.

Crazy. Were there any, like, in negotiations she probably didn't mention or they were just like, hey, we'll give you $20? No idea. I mean, if someone said to me, hey, $20,000, do you use it? I'd be like, buy all me. Yeah. Do you want me to clean the house first?

Literally. Like, I'll do that. I'll sweep the fields. I'll do whatever I've got to do. You'll sweep the fields? Absolutely. Also, like, your cane field is going to feature in a movie with. Yeah, imagine seeing the movie and being like, that's mine.

Kids, that's my cane. Literally. That's crazy. They could pay me $3 and I'd still do that. That's really, really cool. I know. So fun. And then lastly, I have a money win from myself.

And a little reminder, it's Afterpay Day starting today. Afterpay Day sales have been going on all week though, which I have been taking advantage of. But I wanted to buy something online. Actually, this jacket that I'm wearing right now. I wanted to buy it. I already complimented her on that. It's very cute, but like it looks very Ghani, which is obviously very –

Do you know what? You would love Ghani. I'm going to show you after. It's expensive. It's a gateway. You're not going to appreciate me for showing you, but you will appreciate the fashion. but it looks very garney which is expensive and then Jess was like uh-huh I did a Jess yeah it's

from Glassons if anyone's wondering but I wanted to buy it online it was sold out and the afterpay sale was only online but I went into the store anyway and I just said hey like I saw this jacket online but it was on sale online but it's not on sale here and they said oh we can just price match it for you so I could get my size so if something you want is a part of the sales but it maybe is sold out in your size or your color or whatever and they have it in store it's worth going in store and just trying to see if you can get it price match because I think a lot of the times the stores will be happy to just have the sale because a lot of people are probably not shopping in store this week because they're using the afterpay sales instead and reminder you don't

need to use afterpay to take advantage of the afterpay sales because I've never had afterpay I just want to take advantage of the sales yeah yeah yeah and I was about to say often they'll have a discount code for you to use for afterpay day that's like afterpay day or something and you can use it even though your payment method is not Afterpay. Because it makes the sense, right? Yeah. Like it makes sense for the company to make the most of people who also don't have Afterpay who might want to give that a crack. They literally just branded it with their name. It's like smart marketing, but you don't need to use it at all. So yeah.

I also have a money win that I want to share. Is that okay? Oh, please do. This one's for the Kindle girlies out there. So I currently have Kindle Unlimited. And if you have Kindle Unlimited, you know that you don't get every single book that you might want to read. Anyway, Kindle app is having a massive sale and lots of the books that I want to read at the moment are like 80 to 90% off. So they're only costing a couple of dollars to add to my Kindle. So I've gone through, added a heap of them and I'm really excited about it. But that didn't come from me. That actually came, I was in the office yesterday and the Zella girls were like, they're

kindle girlies like maddie in the office she reads like three books a week i don't know how she's like a speed reader and she doesn't even use the dyslexic font jess dyslexic font oh my gosh yes what's that oh side note so on your kindle you can like change the fonts and like how it's viewed and like the font size and stuff right it's open yes yes but you're gonna love this Jess so there is a font called open dyslexic and you don't have to be dyslexic to use it and I'm obsessed with it because it's basically been crafted to be easier on your eyes to flow along the words and read quicker so I use it and it makes my kindle experience just much nicer much easier we got into this debate in the office a couple of weeks ago because we have an internal

we have book club at work we're very cool thanks for asking and we're currently reading something And I said, well, try the font that I'm obsessed with. And all the girls were like, that looks like clown font. That does not look legible, Victoria. And I was like, give it a crack. Went in yesterday and Georgia was like, Victoria, I'm really sorry, but like this is the best font ever. I'm reading so much quicker.

It is so good. So give it a try. It's already on your Kindle. Like you don't have to download or do anything, but it makes it so much quicker. And that's not what I came here to tell you. It came here to tell you that lots of books are cheap right now. Excellent.

We love that. Can't wait to have a look. Would you like some broke tips, though? Because we've taken over this segment. Hey, no, that's quite all right. I'll be very quick. Don't mind me. I'm just going to read you two from the community, one for myself.

Wow, I didn't see that coming. Yeah, I just sort of changed it up a little bit. Okay, so the first one comes from a friend of mine. I posted on my story. Is it your girlfriend? No, not my girlfriend this time. Not my girlfriend. I like how she always says, this time, because we all know.

Always Jess. We all know. No, she's in the UK, so the time zone makes it very hard to ask her before I come in here in a panic, what do I do? Because she's currently asleep. But wake up, it's Broke Tip time. So this one comes from Jacinda who says, buy upsized Ampol fuel vouchers on Shopback, 7% off,

then scan your Woolies card for points. Okay, Queen. So that sounds like a great idea. Not just, that's genius. You're like hacking the system to get a better discount on fuel. Do you reckon you could also use your, like, supermarket discount? I reckon. You could, like, triple wham it.

You could stack them. Oh, discount stacking. There's lots of upsized cash back this week with After Pay Day too, so, like, have a look at your favorite brands and stuff because I got something on the Iconic. It was 20% cash back, so I was like, huge. Yeah, I actually bought something. It was for work.

I bought something on the Adobe website and I actually got 50% cash back on Shop Back yesterday. Oh, my God, amazing. Wow. 50%. Isn't that good? And Adobe's expensive. Yeah, it is.

I was like, money win, because I actually had to purchase it. It wasn't like an option. I had to read. Yeah, I had to purchase some Adobe PDF reader for work, which was not that sexy. But then when I got 50% cashback, I was like, okay, so that's now my money. Yeah. Not business money. Love it.

Wow. Anyway, sorry, sorry. No, don't be sorry at all. The next one comes from Bex. Now, I just want to preface this by saying that this person did have permission to do this. So the office next door, I'm assuming to their office, had it clear out and this person dumpster dove and sold items on Marketplace and just got a free $150, which is really good because sometimes we do that here at this office and we're not throwing out old, broken lounges. We're throwing out office chairs and desks that we don't use anymore and just everything, like key cups, all these things that are really- Just put it on Facebook Marketplace.

Well, that's what you do if you're doing it for your own house. But if it's like an office clear out, which is what was happening here and what does happen in this office too, it's like no one's going through the effort. Yeah, but still post a picture of it and say, we're going to put all of this outside and it's at this location. You can come and take it from near the dumpster or whatever. Totally. I just hate the idea that it's all going to waste.

I know. But yeah, I think if it's like a big company where there's like so many people and the person in charge isn't going to be doing that, they're just like, but if you know the law. office we recently packed up one of our Zella offices and we put so much stuff on Facebook marketplace because I was like I can't imagine throwing it out obviously I don't want to put it into storage like it just feels so wasteful totally and like it technically could have been sold like I definitely could have made money from it but you know when you want something to just move I'm like I know if I put this like set of bookcases up for free someone's gonna go that's

money win and come and collect it that same day like this stuff moves like definitely definitely offer it because like even like desk chairs and stuff like if you're in a share house expensive yeah but if you're in a share house they're like five hundred dollars i know isn't it crazy this woman this is jessica ricky she's been complaining i'm calling her out publicly now please don't she has been complaining for what would you say 12 months how many years have i worked at the company. Two years, three years. She's like, I don't have a good desk set up at home. Like I don't have a good desk chair. I don't have a desk. I really want one of those standing desks. Bec, I've said I'll pay for it. I feel bad. I'm like, I will buy that for you. Not only

will I buy it for you, just put it on my credit card. You've got the details. Have you done it? Are you still complaining about it? I get it. No, I get it. I feel bad. I'm just going to get to a point where I just send it to her house and it's not going to be what she wants because she won't tell me what she wants. I'll sort it out. I'll sort it out. But, I mean, if you could pick clues. The amount of money this woman spends at the chiropractor

outweighs significantly what a new desk would cost. Could have paid for a desk by now. True. Need a heat order. But where would the fun in that be? Yeah, exactly. I can imagine with a little treadmill. Do you think you'd be one of those?

She's already got the treadmill. That's why she wants the desk. Oh, no. Sometimes I try, I put my laptop on the, there's like a bar for your hands. Sometimes I balance the laptop and we'll do, but it's very, it's dangerous games. And sometimes you zoom her and she's like wobbling and you're like, oh, she's on the walking treadmill. I actually laugh so much because she even has a spare room in her house, Bec, for a

study to go that is waiting for this desk that she still hasn't ordered. Maybe do it right before July so that you don't feel as bad. Before she leaves this office, I'm going to be like, which one do you want? Let's order it. All the gear and no idea. Anyway. What's your broke tip? Carry on.

What's your broke tip? Oh, yes. Okay. So my one is also, I just want to shout out to my friend, Amy, who also said the same thing because I don't want them to think that I'm stealing their idea, but I kind of- That's why I had to disclaim it before. I was like, I didn't come up with the Kindle thing Maddie in the office did. Sorry.

Credit where credit is due. And I know that this is one that we've probably mentioned before about like, you know, like house sitting, pet sitting, all this kind of stuff. But my broke tip is have a look, especially if you're in a situation like mine where you're kind of like maybe needing to move. I guess it's more for if you have the time, if you have the luxury of time and you do have the option to kind of like go into a share house or rent your own house or whatever. But it could also help people who really are in urgent need of, you know, housing. There are websites where you can house sit for like long periods of time and I think that there are some that actually pay

you as well so you get free accommodation sometimes you are actually paid and you're just in someone else's house and you're you know obviously I think you need if you're going to like register on a on a website for other people to find you you do need some credentials or something yeah police checkers like that we've used one of those websites before when Steve and I've gone on holiday because I don't like putting my pets in catteries and or like the doggery or whatever it is. And so they do have police checks, like they're all checked and they often have really good reviews. So you can see what other pet parents have said, like, oh, Beck actually left the house so clean and my pets were really happy. And that makes you like feel a lot better.

Yes. But then there's usually an interview process too. So like you might come to my place for a coffee, meet the pets, and then I get a feel for you. And then I go, yeah, it should be great. So like it's not just like a random coming into your house I don't feel no totally so I think yeah if you're in a position like myself or you just need housing or you just want to save a buck try out house sitting I feel like that's a really good one but I kind of want to I don't know if this is building on it or just questioning it I feel like it would low-key be genius even if you have accommodation yeah to house sit over winter oh yeah and like so that you're not paying your electricity bill or your gas bill. Like go live in someone else's house, use their heater,

get paid for that privilege, turn off the heater at home. That's such a great idea. Or if you want to, if you do want to go on holiday, you already know that you're going on holiday for from this period to this period. If it just happens to be a house. Register, especially if you've booked a holiday in advance, which I'm assuming most people do, like go pop yourself up. Genius. Yeah, totally. So that's me for this week. I love that. I think that's a good one, Bec.

Let's go to a really quick break because I am excited to get into the nitty gritty on the flip side. We're going to be talking about being smart with your money when you're single. And then we're going to be talking about a topic that you slid into our DMs about, which this week we're talking about what do you do when you've got concerns about your partner's spending. So don't go anywhere, guys. Welcome back, everybody.

Let's take a listen to this week's Money Dilemma. hi 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. Hi, girls. First of all, I really love your podcast. And Victoria, your book has completely changed my life. I've noticed that a lot of money diarists who call in are part of a couple, but a lot of them seem to be like double income, which is a little bit of the wind in the

back. And I noticed a lot of the finance talk and finance world is sort of centered around a world where almost everyone seems to be in a couple. I feel like on top of that, like the tax brackets are kind of stacked against singles, particularly like I'm 37, I'm divorced. I'm trying my best on my own. I've only just started investing. And I just feel like the whole finance world is screaming at me to couple because it's so much easier. Do you, I guess, have any tips for how to be smart when you're on your own and when you're not looking to couple because I'm not really interested in sharing my finances. That's a really good question and I have been thinking about this a lot recently. So first, thank you. How nice. That's really sweet. I love that you've

read my book. Also, I noticed your accent. Can you move in with Jess? Is that an option? But I don't think we talk about this enough because I think we are often like women power, like if you're not in the right relationship, just leave. You don't deserve that. I totally get that. But the expense of being single, especially right now, is astronomical. You are paying so much more just to exist. Think about it like this. When I was 21, I was single. I lived in a share house. And if I had been listening to this podcast episode, I'd be like, oh, well, it's not that bad. I have housemates. You could just get housemates. By the time you get to 35 or 40, you don't want housemates. You want your own sacred space. You want your own

property and you want your own options. You want your own car. Like you don't want to be reliant on someone else. So it literally doubles the cost of most things. Rent would be significantly cheaper if you split it with someone else. But even in a one bedroom apartment, like let's say you've got a one bedroom apartment here in Melbourne, you're paying like 500 bucks a week. Obviously that's a lot of money, but if you were splitting it, it was 250 a week. immediately your accommodation is so much cheaper get a car maybe you live in the city you only need one car in the household but if you're single that entire expense is on you groceries cleaning products everything doubles and it then makes the pressure of going out so much higher because you

know you're going out yes you're only paying for you but you've got all of these other expenses in the background that you're coupled up friends don't have and like you and your friend like one could be on 70 grand and the other's on 70 grand, but in a couple, their disposable income is going to be so much higher. So even though you're like, we're on par, we earn the same amount, you have different commitments and obligations. And I think that it needs to be spoken about more. And I mean, this is probably a really good time to shout out some single queens in our community who are doing that, that want to share their stories on Money Diaries. I am ready to chat with you, but we also do have a lot of single diaries. I think the best thing that you

can do is use your podcasting app. So if you type in single, she's on the money, money diaries, a couple should come up because historically, if you were looking for them by the name of the episode, the SEO on podcasting apps didn't pick up the caption or the show notes to explain what that diary is about. Now it does. So it's much easier to find our content, which we love, but I think that we need to talk about more single costs. It's so hard being single. And I'm assuming that there are a lot of people in our community who are like, look, there's nothing wrong with my relationship. I'm not in love anymore, but it's not worth leaving. So CBF, I'm living my best life right now. I don't particularly in this economy want to go and get a single apartment.

We've fallen into this, I don't know, dance of just living together as housemates. I don't really want to change it right now because it's just too much of an upheaval. I have friends in that position? And I just go, what's the advice? Bec, you're good at a broke tip. You've been single. Not now though. Hi, Jess. But what's that like for you? That's such a great question. And that's such a good thing that this person has pointed out because I didn't even really notice, but it's something that I hold very close to me is that I kind of have never, ever been a datey person. Like I've never been like, you must be with someone. It's never been my life's goal, my life's dream. Before Jess, the person I'm dating now.

There was nothing before Jess. There was nothing before Jess. I didn't care. I never thought about ever being in a relationship because it just like, if it comes up organically, cool, if not, whatever. But I'm in a very different position where I do live in a share house and I don't really want to live by myself at the moment. I did notice, and this is a side note, I started spending way more money when I started dating, but that's because she's my princess. and princess gets whatever she wants exactly um it is such a good point because now that i'm like looking at maybe wanting to buy my own apartment one day and maybe wanting to live by myself one

day i'm like oh this is so expensive but it's astronomical even in your situation where you're like right now i'm not incurring these costs personally but like would living on your own be an option for you at the moment probably not if i want to stay exactly where i am but yeah If I want to like move out a little bit more to cheaper places, absolutely I could do that. I just, I don't have that desire at the moment. But I think like I would always, this isn't really even that great advice, but I would always put my own personal happiness, make sure all my buckets are full in every other way.

Maybe you have community, maybe you have work, maybe you have friends, all these other things. If at the core of myself and at the end of every day, I feel full and happy, I have been broke for so long that that doesn't actually bother me as much. But I know that we're in a very different position because this person who has rang in with their dilemma, I'm sure they're probably in a different life stage. So they can't really rely on like, as long as you're happy, it doesn't matter. So I totally understand that. But I think, yeah, just nothing's worth, you know, your happiness. So if you're like getting in a situation where you're dating someone just because it's a lot actually cheaper to live, it's probably not worth it at the end

the day. I know that's not great money advice. No, no, no, no. But it's real advice. And I'm about to ask Jess the same question. Jess is in a very different situation. She lives with her partner. They've got no intention of breaking up. This is a dramatization. But like, Jess, what would your life look like if you were single right now? Because you have a really nice house. You've got, you know, a dual income, like you've got two cars, all of this like stuff that a lot of people go, oh my gosh, like goals. But like, if you were to become single financially, what do think that would look like? It's hard to picture because I've been in a relationship. It's been nine years, I think at this point. So it's, yeah, I've never, when I was single, I was living in a

share house. I was in like, I was 19, 20. Like it's, it was a very different experience. I think like, could I afford to keep, like if worst case scenario, if we broke up, could I pay all of our rent? Cause we're on like a lease. Yes, I could. Like, could I continue to live my lifestyle? Yes. but I think like the big thing thank you but I think the big thing is that exactly what our listener highlighted I would have to make compromises in my lifestyle so I probably would not like I wouldn't be able to invest the money that I'm investing because that money would have to go towards rent yeah I would probably be saving significantly less if anything towards my house deposit I would have to cut my discretionary spending so like could I keep like could I pay my

rent could I pay my bills yes but at the cost of a lot of things which I think is kind of the point that our listener was making. It's a compromise. Yeah. Like, is it possible to live by yourself? Of course it is, but it is a lot harder. And I think it would be, I would find it really hard because I would have to change the goalposts that I've had for so long. And I can understand how for our listener, she's saying, oh, well, I'm not investing. And that might be something that she's really wanting to do because she's motivated and she's read the book and she's listened to the show, but she's like, well, where do I get the money from? And I think the really harsh reality is you may not be able to just pull it out of thin air like as much as I want to be

able to say oh my god babe it's so easy. Oh actually here's a plan. Yeah like I genuinely think like if that was me in that situation tomorrow I didn't have a boyfriend anymore and I had to sort it out like that would be my reality it would be well I can't do the things that I want to do. But she's a resourceful queen so we know she would. Yeah like it would look different and like there are lots of like I would say the biggest thing would be to look at increasing your income decreasing your expenditure obviously we don't know anything about what our listener you know her personal situation but like where you can can you negotiate a pay rise can you take on a bit of extra work like can you get a side hustle or a second job or whatever can you make cuts are there things that

you're willing to cut or are even able to cut but beyond that I think like I don't even fully know what to say to be honest it just it sucks is what I want to acknowledge like it just you can't Especially in a cost-of-living crisis. Yeah, like I don't want to be. Like everything's so much more expensive. Yeah, and I don't want to sound tone deaf in saying, well, it is what it is. But I also, I don't necessarily know what advice I have to give you other than acknowledging that it's a shit situation. And, you know, if you can make those cuts and adjustments, like that'll help a little bit.

But like, honestly, I just fully recognize that it's so much harder when you're single. And I mean, the grass is always greener, right? Like your friends that are coupled up that are, you know, maybe it's like me, right? I am so happily coupled up. Like I adore my husband. Don't want to change it. Sometimes I look at my single friend and I'm like, must be nice to go out and do whatever you want.

Oh, it's Wednesday and you're having espresso martinis. Can't relate. I have a baby. Like we always look at different situations with rose colored glasses on. And you know what? My friend's probably looking back at me going like, I can't wait to find a husband and finally have a baby. And I think that putting blinkers back on when it comes to your budget is really important

here. Like, I know it's tough. I know it's hard. It is going to look significantly different to your coupled up friends who are able to share expenses. But that is not your reality. So stop comparing yourself to that situation. It's like when I say, and I've said this before on the podcast, you can't give a budget

template to someone who earns $40,000 and expect that same budget template to work for someone who has a $400,000 income. Not only are they going to have different amounts of cash to disperse, but they could be in different situations. Like that $40,000 a year income earner could be a single mum who is just cutting her teeth to get by. And it's incredible at this point that she's breaking even every single month, but can't save, can't invest. I think we need to see it often as a season of life. Not to say you have to couple up because you could be single by choice for the rest of your life. And that is an epic outcome if that's your choice. But I think we need to put some blinkers on and go, well, what resources am I working with? How much is coming

into my account? What are my long-term goals? What do I want to achieve? Because at the end of the day, every normal person has to make compromises in their budget to achieve their goals. And we go back to Jess, right? And like, I'm using you as an example, because I think that it is a very good example because, you know, you would be in a position that a lot of people go, oh my gosh, I would love to be in Jess's position where I have my house deposit saved, like I've got a really nice boyfriend, like we have two cars in the driveway, like everything's okay, we're paying rent. But for me to compare that person to you, it's crippling them because even with that lifestyle that other people are envious of, Jess, there are still things that I know you're making compromises on. Yeah, totally. Like there are still things that Jess is like, oh, I'm definitely not able to do, you know, and we've had this conversation before.

you're like, I really love Pilates, but I'm not going to do two classes a week. I'm going to drop back to one because it's just getting expensive. And I'm not saying like, that's a luxury. It's just an example. Don't for two seconds think that I am completely dystopian in the type of lifestyles we lead. But even Jess is making compromises to live the lifestyle that she wants to live. And I mean, we all do that. So I think it's don't compare yourself to others. Not only are you not on the same journey, but you just don't even have the same resources. Like if Jess compared herself to me, it's completely different again. I also have a completely different set of expenses that Jess is not incurring.

I pay for daycare. I pay for nappies. I pay for formula. And Jess is like, oh, that wouldn't be in my budget. Yeah. So why are we looking at the way that I do things? Sure. And I think that's why I get so frustrated when I see these percentage-based budgets

recommend it? And people go, V, well, how much should I be saving? Well, I don't know because I haven't had time to break down your entire budget and work out what your non-negotiable costs are and what discretionary income we have left to play with. And that's what we should be talking about. None of this like, oh, Jess, you actually need to be saving 10% because 10% for someone on 400 grand, that's so much money. 10% for someone who is on $40,000 and a single mom, mate that's way too much there's no no room in her budget to save so we need to just look at our own situations and go well with the situation I'm in and the resources that are coming in what is possible and what does this look like and then if you're not happy with that what levers can we

trigger to change and what compromise are we making and it's not something you want to hear right like no one wants to hear oh Bec well actually to achieve the life you want it's actually going to mean compromising. Like no one wants that. I don't want to hear that. You don't want to hear that, but that's the reality of the situation. And while it's not that sexy, that's something we can work with. Like that's something we can take and go, okay, well actually that's quite tangible. I'm going to go do this for me. I'm going to create a plan. I'm going to see if that works. And if investing is a goal, how much do you have? If saving for a holiday is a goal, what's that going to look like? And there are just lots of different levers that we can pull.

you want to go on a holiday Beck great how much is it going to cost five grand okay holy moly how long is that going to take you it might take longer but it doesn't mean we can't achieve the same thing yes so I think that's probably where I would go with it and it's back to the blinkers like stop comparing yourselves because we've just gone around the table and there are very different experiences but we're in the same company we're in the same group and still we're not comparable yes that's so true I do want to say one last thing really really really no I love this just in case our listener is in this kind of like because I feel like societally we are living in a world where it is assumed that you're in a couple yeah I really really don't like but anyway

that's a story for another time there are so many like assumptions here and one of them is that once you hit a certain age you're no longer allowed to live in a share house because it's Like, I don't know. Oh, mate, no. And so basically just in case our listener has that on their radar but is thinking, like, I don't know if I'm, I don't know, too old or too whatever. I mean, if you want your own space, slay.

If you want your own space, of course. But just in case that's a thought, you are never, ever too old, especially in this economy. A lot of people, a lot of, like, people who once were in relationships or just never have been or just never want to be kind of, like, getting together in this beautiful, like, you can find some really beautiful frames as well. A single Beck, like ever single.

Yeah. I won't live alone. No, it can be quite depressing. I don't want to live by myself. But you can also, you know, sometimes people love it. Oh, and a friend. Yeah, you can find these people, like fairy floss or whatever your state's equivalent is. Find people that are similar to your age or similar personality, whatever.

Also, if they're a terrible housemate, kick them out. Kick them out. And if they are, it's a great story. Yeah, like my housemate who used to steal my underwear. Anyway, moving on. um we have another relationship themed question actually today i'm excited about this one guys so we had a dm this week and it sounded a lot like this because i'm going to read it to you verbatim beck are you ready so she's on the money i think my partner has an amazon addiction he pays

for the prime membership for the free postage so it's his go-to whenever he wants to shop now it's getting to the stage where a package turns up every other day when i bring it up he gets defensive and says they're all things we need but I think that they're nice to haves and I don't think we'd buy them if Amazon wasn't so convenient with the postage that he's already paid for. I don't want to police his purchases but all of these costs are really adding up and we've got goals we're meant to be saving for. Can you please help? Sounds like my house. Not my husband, at me. I think that like if it starts to eat into your future goals, so I mean, I guess it would be if you're like spending so much money on Amazon or whatever it might be. If you have like future

goals that you set together and that's really encroaching on that, then it's all about communication, isn't it? I know. Wow. It's like we could just delete this entire segment of our podcast every week just a quick reminder that communication is key all right have a good day guys exactly um but i think if if you're like with me and my partner for example like we our finances aren't tied together so i feel like if i was in a position where i was just not yet exactly um and who knows but anyway honestly i'm at the point where i'm surprised they aren't living together yet like it's just that's true it's very you hold it it is but we are very alternative actually we will be moving together very soon back before when she was saying you know I might

want to live by myself at some stage I was like really really do you always make a friend okay I mean that's really cute I'm trying so hard not to like live this very stereotypical lifestyle it's my favorite thing ever like my best my best friend is gay as well and whenever she's met someone historically I'm always like so how long until you move in and she's like no it won't happen won't happen like we're not silly victoria and then the next week so we signed a lease really i didn't see that coming that's gonna be us for sure yeah i guess like at this point our uh finances aren't tied together so if i was spending all my money on something that made me happy or just like was maybe like an addiction of some kind that is my own problem

to deal with and she can like have a little say and like be like oh i'm noticing you're Maybe addicted to buying things on Amazon. But that's as far as it goes in terms of affecting her and vice versa. So I guess if you're at that point, again, like communication, but if it's not affecting you and your financial goals, I guess it still is in an indirect way. But, yeah, I really feel like that's a very annoying thing to say, but communication is everything.

Jessica, I'd argue you also have an Amazon addiction. I do. I do love a cheeky Amazon order. I do. do you pay for prime of course yeah me too what a dumb question they just i don't even know i think it's carry a pigeon beck like the stuff gets there so quick it's the fact that i ordered something that i like realized i needed very last minute at like 11 o'clock and by 8 a.m the next morning on my doorstep really it was crazy whoa crazy that's actually more efficient than waiting for

high fighter open and going and getting it myself like so i can empathize but just if it was becoming a problem what will we look at to me it's a very simple solution and i don't know if that means that i'm oversimplifying it but it's just a matter of how much money do you have allocated for discretionary spending that's where i was gonna go with it i was like have you done a budget no one wants to hear that anymore like everyone's over me going budget budget budget budget but it's it's a like it's for a reason if you I'm assuming they're sharing expenses because she's saying that it's compromising their shared goals in which case I would say that when you share expenses and obviously it's totally up to you as a couple how you structure your expenditure but you should

each have an allocation from my perspective of money that you can spend on whatever you want so like you each get 20 bucks a week or 50 bucks a week or whatever fits within your budget and That's not questioned. Yeah, literally. It's like that's your money. If you want to buy a coffee every day, if you want to go out for drinks on Friday night, if you want to buy 10 million things on Amazon, as long as it fits within that allocated money, that's your money to spend.

Anything outside of that then becomes, okay, that is a cost that needs to be discussed because you've got your money that's allocated for spending for fund money, as Victoria calls it. If you've spent your fund money, then it's kind of you need to talk, well, are we going to take more money away from our holiday fund or whatever it is. To me, it's as simple as that. So if you don't have allocated discretionary spending, implement it. If you do have it and he's going over it, then it's a conversation that needs to be had about, okay, well, we set these ground rules or these amounts of money that we could spend and you're going over that and that's

compromising other things. So do we need to redo our budget or do you need to stop pressing add to cart and you know that's a conversation between you guys but is that like to me it's quite simple that's quite simple I know that it's probably a bit emotionally charged as well because you're probably seeing all these packages arrive and every single time you see them arrive you're probably getting like oh another one like you're getting frustrated with this so we need to probably sit down and do as Jess is recommending go have a look at your budget what is going on there is this actually coming out of their fund money if not what is it coming out of and have you, I guess, zoomed out and looked at the bigger picture, you mentioned before my fun money. And I

think that it's a really good idea to label it that way. I know, so like actually it's on money we pay monthly, right? So I get my income into my account every month, but then I have an auto direct debit transfer that happens every single week on a Thursday to my fun money account. And I know if I wanted to purchase something on Amazon, but there was nothing in there, I just put it off a bit until I have more fund money. And I think that that helps me a lot because I know it's a consistent, like I know that every single week I have that amount that I can spend money on and it's not eating into our bigger goals. It would be a bigger conversation for Steve and I if it was, and I was moving money from different places to make these purchases.

But for me, I'm like, oh, I spent it all. Okay. I wait till next Thursday. I'm still going to order it, like it's still happening. But I'm allowed to do that because that's within our budgeting parameters, I suppose. So is it within that? If not, how are you going to manage for that? If you feel like you're not on the same page about budgeting and spending and all of these purchases, I would argue that bringing up his Amazon purchases as the main point of the conversation isn't a good idea. I'd actually go, hey, I'm feeling a little bit in disarray. I'd really love to do a refresh like let's just do a brand new budget start from scratch we can go through all of our expenses and that way one you're doing a really nice financial health check

on your own financial health but you're also able to bring this up as a really small part of a bigger conversation about where as a couple you're heading because it can be quite confrontational I know that if I went to Jess and said Jess you're spending too much on Amazon on. She'd be like, what? No, I'm not. You spend so much on drinks and, you know, you go out with your friends and you're always paying for coffee. She might be right. Like she might be spending her fun money and mine just looks different. But because I don't have anything physical that I bring home, hers is so much more visible than mine. So I think we need to just zoom out a bit, have a look at the big picture, communicate and do a budget. That's usually what gets everyone

back on the same page. And then if you identify that that is an issue that is eating into your goals, then we can have a conversation about what that looks like and how maybe we could change that or maybe setting limits. Because at the end of the day, I think we need to enjoy the journey. Like we need to be enjoying life at the same time as working towards financial freedom. I mean, don't get me wrong, the FIRE community, financial independents retire early, they wouldn't have this. But I think that to be on the best page, guess what I'm going to say? Communication. Oh my gosh. Yeah. That a part, a really healthy part of communication is clarity, right? And to give yourself clarity, conversation tools and communication tools do look like budgets

and things that you can bring to the table that are structured. So these conversations aren't as emotional. They're not, Jess, I feel like you're spending too much. They are, hey I can see from the budget that we are overspending in this area how can we strip that back and then it can be an open conversation where no one feels like they're being attacked because the second you start attacking someone especially about money they're going to shut down and never want to talk to you again like I don't want to talk about money if you're going to make me feel bad about it that's not for me thanks though I'd actually prefer to go back into debt yeah what did the community have to say so we did as always ask the community first question we

asked was, should both partners agree on a purchase if it is not considered to be necessary? 46% of you said yes. Agreement is key in relationships. 54% of you said no. Each person can decide for themselves. Do you discuss unnecessary purchases or are you like me and you just have fun money and if it's above and beyond fun money, we have to discuss it? We don't share funds. So it's a- Household purchase? What if you're going to buy a TV, like new TV for the lounge room? Yeah, if we were going to buy, like, a big piece of furniture or something, that would be a conversation for sure.

Is there, like, a limit? Probably more for aesthetics, I would imagine. You're probably, like... Yeah, I'm probably wanting the more expensive, prettier item and he's like, the $50 or whatever is fine. That's Steve, yeah. You know what I mean? Sit down.

Sit down, sir. You don't get it. There's a conversation to be had there, but... Is there a limit, do you reckon? Like, do we need to discuss a $50 purchase? It's hard to take because for us the only things that we share expenses for are, like, bills, groceries, rent. Furniture.

yeah pretty much i think like anything to me yeah kind of anything over 50 bucks feels expensive especially if it's out like if i had to buy laundry detergent pods which are like oh my gosh or something i got a bargain the other day reject shop though came down to like 30 cents a pod you're welcome i love the reject shop you mean so like if it was something like that that like yes it's technically over the 50 limit but like we need it then no but if it was oh i want to buy us a $60 vase from shared funds. Not that that's something we would spend shared funds on, but if that was the case, then yeah, that would be a conversation for us. I feel like I still, and I don't know if this is a bad thing or not, but when I want to make

a big purchase, I still ask Steve, even though it's my own money, because I kind of want validation. I'm like, oh, so I'm thinking about buying this coat. It's kind of expensive. Do you think it's cute do you think I'm gonna get where I'm not really asking him if I can buy I'm kind of like discussing the purchase it's your friend yeah I'm like do you like it he's the worst friend when it comes to fashion though Beck like he's like no yeah if you feel good in it you should get it so that's not what I'm asking that is not what I'm asking he's like is it a trap like every time I ask him do I look good he's like is this a trap like the answer is always yes like it's not a trap you should have learned by now next question that we asked the community we said is it okay to

set spending limits for your partner if you're worried about their online shopping habits. 64% of you said, yes, it's reasonable budgeting. And 36% of you said, no, that's too controlling. I think for me, it's the freight. You have to set it together. I don't think I could turn around and say to my partner, you can only spend $100 a week. Yeah, I'm not your mom. Exactly. I think you should come to that decision together about your shared expenses. Yeah. And I think, again, get this, this is going to really blow your minds, actually comes back to your budget. So like you will have worked out all of your non-negotiable costs, those things that we can't avoid. Then we're going to see what discretionary cash we

have available to allocate. We're going to set our savings and investments. And then from there, we're going to have some cash left over to play with. Once that's allocated, I'm not saying, Jess, you can only spend that. I'm saying to achieve everything that we're achieving, this is the amount allocated each month for us to play with. And if you want to earn more, we need to go back to the drawing board either reshuffle the budget to make a little bit more wiggle room or look at things like increasing our income or moving to a different location or everything unfortunately is about compromise because we can't just have our cake and eat it too and like that's sad but true yeah we did as always ask the community for their two cents and

we had a couple of really good comments so someone said sounds like they need discretionary spending limits. Each can spend X amount per week without asking permission. I feel like that's a great place to start. Someone else said, my partner didn't tell me I couldn't purchase things, but helped me see it wasn't worth it. And I'm actually really glad. Oh, that's nice. Someone else said, I too am the Amazon addict in this situation. So I'm just here for the advice, please. I love that. Someone else said, create a spreadsheet just for him to record the amount of value in each month, it might help to be able to see the bigger picture. I think that's a pretty good one. But again, I feel like I'd be pretty pissed off if you did

that to me. Like being honest, if somebody sat me down, if my husband sat me down and said, I think that your online spending is a little bit much. So I've created a spreadsheet and I've documented all the costs. I'd be like, okay, there's no other way for me to feel except for attacked here. So I feel like, again, going back to the bigger picture is more constructive, but if it works for you, give it a crack. Someone else said you can offer an opinion, but you can't control what someone else chooses to spend their money on, which I think is really important as well. We said just before, Jess, we're not your parents. Like you're in a relationship and a relationship is give and take and it's about equal contribution. So I think it's important to

remember that. Someone else said, imagine what we would say if a husband tried to control his wife's spending. Totally. You know, it's not to put the gender lens on it, but you know, it goes both ways. And then we'll leave you with one last one. Someone else said, is he still contributing to what was agreed to for the joint goals? If so, it's then his money to spend. Yeah. So I feel like that's fair just because you don't see value in the things he sees value in, maybe that's a bigger conversation. But again, just do a budget. Start from scratch. It's crazy. And get this, there's actually an entirely free one on my website. You can download it for free. I made it so you know it's going to be good. Or you know I think it's really

good. There's lots of stuff on the resources page too. Just a little shout out to that web page because everybody DMs us and says, where do I get those savings hacks or those savings goals? they're just on our website you can download them you can print them you can frame them you can do whatever you want with them you can hand them out at work you could put it on your fridge i don't care what you do with them as long as you're saving money so with that let's leave it have a good week guys and we will see you bright and early on monday for a money diary bye guys bye 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. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN 321 649 27708 AFSL 451 289.