She's On The Money - Balancing the Money Mental Load

Episode Date: January 9, 2025

This week’s episode is the ultimate financial pick-me-up to power you into the weekend like the boss you are. We’re diving into your incredible money wins—think ChatGPT hacks that make meal planning a breeze and slashing power bills to a jaw-dropping $87. But we’re not stopping there. We’re tackling two big, relatable topics that you need to hear about. Ever thought about a removable home? (Spoiler: It’s trickier than you’d think, but we’ve got the lowdown.) And if the mental load has ever made you feel like a burden in your relationship, we’re breaking it down with practical tips and a whole lot of love. Whether you’re here for the laughs, life hacks, or that extra push to smash your goals, this episode will leave you feeling inspired and unstoppable. Don’t miss it! FREEBIE ALERT: Join the She’s on the Money 30-Day Reset—your step-by-step guide to refreshing your finances, setting achievable goals, and starting the year strong! Sign up for free here. 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 that makes personal finance fun, especially on Fridays. It is our favorite day of the week because we get our little team together and we celebrate you, our incredible She's On The Money community. Miss Jessica Ricci's got some money wins and confessions for us. Miss Bex Syed, I think she's got a few unhinged broke tips to share this week. We're going to be helping to answer our money dilemma, which this week is all about how to finance a removable home. And then something you slid into our DMs about, ADHD tax and feeling like a burden on your partner. Relatable. Not the removable home thing, but I do happen to know how to finance one of those. So we'll get there later.

What is that? We'll find out. Yeah, you can find out. You can find out. But before we get there, first things first, how have your weeks been? Really good. Team Shoes on the Money is for the most part back on deck now, which is very exciting. Yeah, I feel like everyone is just like a lull, like slowly, slowly things are starting to take off. I'm having a lot of circling back emails from all the ones I sent in December saying, we'll come back to this in January and now everyone's coming back. And I'm like, damn it. I didn't want you to actually come back.

I didn't want you to actually come back. I didn't mean that. Also, circle back. Corporate speak. We're cancelling that in 2021. Consequences of my actions. So which January? You didn't say.

Yeah, I actually meant next year. Yeah. You're like, go away. No, it's been fun. Bec, how's being back on deck? How's life? if you kept up the motivation levels that we had last week. You know what?

I think I actually have, but it is such a weirdly sad time of year because it's like, oh, I've got to wait. Now we have to wait a whole nother year for this, like, nice period where everyone's excited, everyone's in the mood of, like, to be festive. Okay, but, like, let's reframe it. We've got a year. We've got a year to look forward to it.

We've got a year to set up our savings account so this period of the year is not financially stressful. Yes, no, you're so right. I got a money tin this week. You got a money tin? Yeah, you know one of those old school ones you can leave in a can. I've put like a cute thing around now. Yeah, made the outside cute and we're putting coins in it

and I'm going to treat myself to something nice. Okay, I have questions. I've got questions. I love that. Where are you getting coins? Well, I'm trying. So when I sell things. Because I just don't really have cash.

When I sell things on Facebook Marketplace all the time, I get cash. And I am trying to use it a little bit more because I feel like I like that I have the coins that I then squirrel away. See, I've got a little dish beside our front door. Yeah, I had a glass. If you're going to rob me, like, that's where to go because all the coins are there.

Good to know. But I don't know what to do with the 20 and 50 cent pieces in there. Put them in my money jar. Okay, all right, I'll bring them in because at this point, at this point they're a burden. Yeah. I'm so annoying. I literally, yesterday I did actually, I, like, I had 5 cents, 10 cents,

all the coins in the world and I, like, kind of put them into little piles in my hand and then just, like, went and filled up my petrol tank. and I was like $30 and I just started with $0.50 and I had to buy three of those. You are really annoying but also slay. Totally. It's like free petrol.

Also, you know that you can put them in a coin counter at the bank and just deposit them into your account. Yeah, but that's another admin task. But also like once it's in the account, it doesn't feel big. No, it becomes real money again. Coins are fake money. Good to know. Coins are fake money.

If you can buy anything with coins, fake money, not actually a real purchase. Basically free. financial advice right there. Did we get a good review this week? Yep. I was an award-winning financial advisor. Yep. We did. We got a beautiful review this week. Would you like me to read it out? Yes, please. This one comes from Lynn Britt. I don't know if her name's Britt or Lynn. It's a username, but five-star review. I stumbled onto the She's On The Money podcast a few weeks after I had

separated from my husband and it was a godsend. I devoured all of the previous episodes and have religiously listened every week for the last several years. All the ladies in the show are so relatable, even though they are so diverse. Victoria's financial knowledge has supported me to set up an emergency fund, manage my cash flow so that I could buy my husband out of our joint mortgage, arranged my kids to be beneficiaries for my superannuation and insurances, and I've started investing and I'm in the most secure financial position I've ever been in. Despite Right now I'm relying on just one wage. I wouldn't have done any of that without She's On The Money

being so accessible and easy to understand. Thanks a million times over. Oh, God, that is so good. Imagine leaving your husband and being more financially stable than ever. And thriving. And that is what people are so stressed about. Like, oh, my God, I'm going to leave. I'm going to do this.

It's going to become a clown car. Like, what? But you've got your stuff together. That's incredible. Incredible. That is so, that would be not an easy task at all. That's really, really incredible. I love our community. I love what you guys achieve. I love that you give us some credit, but I think it's also so important. That wasn't us yet. We had a podcast, but like this podcast has existed for so long. Yeah. And that doesn't mean that we do the work for you. We can't do

the work for you. If I could, I would. Totally. I'd be like, let me at your bank accounts. But unfortunately, you actually have to do the work. So, like, kudos to you because, yeah, we gave you the information, but, like, so many people get the information and do nothing with it. Exactly. Me, for example. And so you actually got it. You did it.

You are this year, though. And last year you became an investor, Bec. Oh, true. Sharesies. There you go. Yes. Look at her go. All right.

Can't wait to check that. Go for it. All right. Moving on, Miss Jessica Ricci. You got some money, wins, and confessions to share with the fam? I sure do. Firstly this week I've got one from Olivia who I just wanted to say we have matching profile pictures.

She has a photo of her out front of the Taj Mahal, Twindies. Oh, I thought she borrowed your photo and I'd be like weird, but okay. No, no, no. Which is me from the Taj Mahal. I mean you do look really cute, Jess, but that's weird. Olivia said, I'm a bit addicted to chat GPT now. And she said you can elect to use just the free version. She said she's someone who struggles with meal planning

and staying under budget. So she'll ask her questions like give me lunch ideas based on the cold specials this week or give me some dinner ideas that I can cook in under 20 minutes with fruits and veggies that are currently in season. She said it's also great when she needs to reduce her takeaway costs and she asks it what she can use based off what's in her fridge. I adore it.

And for those of you who are like, oh, chat GPD, it's only okay, you're not giving it enough information. You need to prime that baby so well and be so specific. Like the more specific, the better. It takes all of that into consideration. I love it, in our team, GPT is a team member called Giselle. Hi, Giselle. You asked Giselle to do that.

She will do it. She's a model. She's so good like that. Exactly. Jess, what else have you got? Next, I've got a money minute from Chow who said, I started turning things off at the wall socket and I halved my power bill. Whoa.

She said she got the second bill since starting and it was $87. What? For the month or for the quarter or for the? I'm assuming for the month. I love that. I think that is great. I'm a sceptic and think that there's a bigger issue than maybe you had a piece of equipment that was draining

your power significantly or was not working. You know what? When our bill was really high, I bought one of those tester things that you can plug things into. I might not be surprised. Yeah, one of those. No, no, no, in a good way. I can also imagine her getting a hard hat, putting it on

and walking around every house testing things. She's got her five years on just in case. She's like, I'm going to inspect this. It's the cutest image. Next, I've got a voting win from Abby who said she got a $420 refund from the ATO because she had previously paid off her HECS after the big indexation. How good.

I feel like a lot of people have probably seen that rolling out over the past few weeks. So if you haven't looked at your HECS, it's probably a good time. We've got a lot of people in our community as well who choose to still contribute to their HECS quote because they told their employer that it's still there and then at tax time they get a heap of money back because they're like, I'm so bad at savings, I'm just going to do this.

Whether or not that's a good strategy is still to be determined, but it's just a strategy and an interesting one at that. Next, I've got a money win from Molly who said she logged into her ING bank account to see she'd been gifted $100 as part of their giving program. It's Give ING. Very clever, whoever came up with that in the marketing team. She covered lunch for her and her friends on Saturday.

Hey, ING. The She's On Money team would also like free money. I was just about to say. Just wondering. Where is it? Yes, please. Thanks. And last this week, I've got a money win from Holly who said she just.

Molly and Holly. I like it. That actually is very cute. I didn't even realize that. Money win from Holly who said she just grabbed groceries thanks to everyday rewards and sly buys points. She spent a little over $10 instead of $320. Sorry, what?

Crazy. Holly's been working the system. Holly has hacked the system. That's so good. I'm so impressed. But like proof that it all adds up. Yeah, if you're an everyday rewards person, turn on your savings thing now for Christmas

because you can turn it on to your points bank. I'm not, I'm not. I'm a Coles girlie. I am a Coles girlie. I am going to hack the flyby system this year. You best believe one pass, watch out. Yeah. Watch out.

We're coming for you. Watch out. If you think I'm not going to abuse your system within the breaths that you've set. Yeah. She's milking it. Yeah, I'm going to milk it for all you are going to let me have. And if you should, that's clever.

Have you got some broke tips this week? Okay, so I don't know if anyone listened last week. You might have heard me mention I'm kind of doing some more unhinged things this year. More unhinged than last year. More unhinged than last year. Should we be concerned for your mental health? Yeah, I think so. Okay, I'll keep an eye on it.

You let me know what you need and I'm right here. Well, this one actually comes from Chloe. This one was a bit unhinged. But I really like it. I know it's silly and probably maybe generally. It's not cheating and silly if you're saving money. Yes, exactly. So clothes says unhinged but put clothes that are too big in the dryer

so they shrink and fit you better. Honestly, I've done that before. Honestly, I do that with my jeans all the time. Like my jeans are one size too big because I ordered them on the Iconic and I couldn't be bothered returning them and so I put them extra hot in the dryer and now they fit so, yeah, that is fantastic. There you go. I really, really back this.

I think you don't buy new clothes. Just keep drying them until they get small. I like that Picasso. This next one comes from I believe their name's Ewan but I could be wrong. So IKEA memberships are apparently free and it means you can return your furniture within 365 days for a full refund if you have an IKEA membership.

Wait, so you're saying if I'm moving to Melbourne for six months, I could deck my house out in IKEA furniture and then return it all? That's what I'm thinking. I would never do that. But it is an option. It's an option. But genuinely, that's what I'm thinking. I'm like, you want to impress someone, you have someone coming over

for a date night. Look at my IKEA Calix shelves. With the tag still on. and they're not coming off. Yeah, like I think that's a really, really. I'm impressed. Totally. That's actually really good to know.

And especially because it's a big trip to Ikea. So it's like if you go and you buy stuff and then you don't need it and you're like, well, I'm not going to get there for another six months. Is that the time when you didn't measure your ceiling height and bought a Christmas tree that was too big? Is it like that? Arguably very comparable, yes. I like it, Picasso.

Yeah, it's also like if you move into a house and then you leave after a year, after your lease is over and you're like, oh what do i do with this stuff i'm gonna take it back to ikea and then this next one comes from myself obviously have you guys heard of mr rebates not yet but i'm sure you're gonna teach us yeah i think i might mr rebates i know it's like fun it's giving mr minute yeah yeah i don't know what that is but i'm like is that a mr minute yeah oh okay oh you only last a minute or something Oh, of all the people to use a slur, it's not Jessica. No, that's true.

I can't imagine. No, but Mr. Rebate is very, it's similar to your cashbacks or your shopbacks of the world, things like that. Yeah, okay, Mr. Rebate. Mr. Rebate. And I was like, I was just looking at it because I was like, oh, I need to buy some pre-workout. There's no way my supplement store is going to be on here.

It was. Really? There's random stores in there that, like, you wouldn't, no one's, I've never heard of it. So how did you find out about it? Because sometimes I feel like I live under a rock and I, you know, obviously I am very privy to like Shopback and Cash Rewards and all of those platforms because I use them

and love them. Of course. But like sometimes I can't even remember how I found them. Where did you find Mr. Rebates? God, I've got to tell you, I have not a single clue. It must have been like a TikTok. I think I TikTok'd. TikTok, it's changing lives.

It's really like I'm really on Money Talk at the moment. Yeah, Money Talk is a good place to be. Yeah. I'm on Cosmetic Talk and I'd like to get off it because I keep buying more cosmetics. Like Mecca, call me. How do we change our algorithm? Anyway.

You can reset your algorithm. How? Yep. You can go in and completely clear your cache and like it will reset and give you a brand new for you page. If you want to do that. I feel sad for some reason. I don't want to lose it.

I don't want to lose it because I feel like it's reflective of my personality and my hyperfixations at the time. No one knows us like TikTok knows us. Exactly. All right. Let's go to a really quick break because on the flip side, we are going to be talking about a money dilemma, which this week is all about how to finance a removable home. and we're going to be chatting about something that you slid into our DMs about

ADHD, tax and feeling like a burden on your partner. So guys, don't go anywhere. 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 Victoria, I'm wondering if you could shed some light on removable homes. I'm looking at buying a few acres in the upcoming years as I have horses. However,

there are some great blocks with no houses on them. I have briefly looked into removable homes through a local company and they seem somewhat affordable. I'm wondering how they work in regards to the mortgage and the loans. I ideally would like to buy the block and the house within a relatively close time frame. I'm a first home owner. Is it in the scope of a mortgage broker to assist me with a removable home as long as the block is laid? Do I get a mortgage that will come of both or will I need separate ones for both? Any information on removable homes and buying a block would be great. Thank you. I got not a whole lot, I'm going to be honest with you. What, you've never mortgaged a removable home? I didn't even know what a removable home was

until just then. Okay, so removable homes are increasing in popularity, which kind of makes sense because everything's so expensive. And this is, you need to have a chat with a mortgage broker because a removable home could mean a plethora of different things. Like, are you talking about like a caravan that you're going to put there, at which point you probably don't need council approval. But if you're going to put like a whole setup and plummet in and it's like technically a removable home, kind of like a tiny home, you're going to need council approval for that. So, you're going to need to look into it. So, we need to talk about what a broker would do. So, land, easy, bread and butter. We can get you land finance because it's a secure

asset. It's quite hard to secure finance for the home because it's actually not that stable. It's not seen as an asset that they can flog off and get their money, but the bank can't just liquidate it and get rid of it. And the other issue and the reason that a bank is very unlikely to connect the two, so go, oh yeah, no worries. Because stepping back for a minute, if you were asking a mortgage broker to help you finance a home and land package. Easy. Great. We do that all the time. But you're asking a broker to help you finance a removable home, which arguably adds no value to the land. And because it doesn't add any value to the land, the bank is very unlikely to go, yeah, sure, have even more money on this loan that is now not as secure as it was before.

So even if it did add some value, the value would only be able to like be counted after the move had been like completed, if that makes sense. So when you talk to a broker, obviously take everything with a grain of salt. All of these situations are going to be different, but they're going to be able to like assess your personal situation and work it out. But the broker will probably have a look at financing the land, really bread and butter normal, then maybe trying to finance the tiny home via mortgage if that's an option, if it's seen as stable. We don't know. maybe there's like some issues with how big it is and the footprint and whatnot and you know how quote removable it is yeah but on the flip side you might also need to go down a more unsecured

finance route for that or you might save up buy the property on finance and then use the cash that you have for the tiny home because often tiny homes are significantly cheaper than like proper homes right so there are a lot of different options but I think it's important to start conversations probably now with a broker around what that might look like because the last thing you want is to find the perfect block of land and find the perfect home and then realize I actually can't finance any of this because the bank actually won't finance the home and I don't have the cash to do that or I need all the cash to get the block of land as my deposit right so just work out all the moving parts and what that would look like because they're all going to be

very different. But I wouldn't be surprised if the route you go down is kind of like personal finance for the house in the same way that you might personally finance like a Winnebago or a caravan or something like that. There you go. I mean, like whatever you do, good luck on your journey. It sounds like a really, it sounds like a really cool idea. I feel like I would like to, in my head it was like a fold up tent or something. No, no fold up tent. no it's a it's a tiny hole that makes so much sense for some reason i thought it was something like that like somebody fall down but that's really cool i feel like the freedom to just be like i don't want to live here anymore yeah 100 yeah that's a scenario vibe yeah just doing

whatever you want thanks vibe all right do you want to get into this week's dm absolutely of course you do you ready yeah hey she's on the money i really need some advice because i feel like i'm letting my partner down i have adhd and while they're always so understanding i can't help but feel like a burden. We are always paying the ADHD tax because I forget to pay the bills on time and then we get hit with fees and I procrastinate on big purchases so the price goes up. My partner has had to take over most of the financial management to keep us on track and even though they never complain, I know it's exhausting for them. They're patient and supportive but every time I mess up, I feel like I'm adding to their stress. It's hard to not feel inadequate

when they're picking up the slack for something I know I should be better at. I want to contribute more and be a true partner, but I don't even know where to start. I just want to find a way to lighten their load without making things worse or feeling like I'm failing them. That breaks my heart. Yeah, I'm sorry you're feeling that way. That sucks.

Yeah, I get that. I have true ADHD. Well, that's it. Exactly, exactly. I think with my partner Jess, I'm constantly barking on about mental load, mental load and like she's very organized and things like that so I'm like hyper aware of that and I don't want her to like take on more than she needs to I don't want to like stress her out or exhaust her she is just naturally better at those things that's something you must keep in mind that

if your partner does not have ADHD maybe they're this kind of stuff like life admin and stuff might not stress them out as much as someone who does have ADHD so that's something to keep in mind but um not to say that oh don't worry about it they'll be fine they can deal with that kind of thing just to say it's very sweet that you care this much too because lots of people would be like well that's just me that's just how I am yeah totally totally so I can I can completely understand that but yeah I think when you are conscious of the mental load and then you're like I'm gonna make sure I'm I'm really good at this I'm gonna make sure that I remember this and then you just consistently are like oh crap this person had to remind me to do this or whatever

it's like I feel like I'm failing but I'm curious to know if this if our listener has any kind of like for example for me i have google calendar that's synced also to my phone i check it every day and also have like an everything literally list that says everything every day and it's every single thing i have to do every single day including brushing my teeth including i'm impressed every single thing accountability yeah and everything i need to check like petrol everything everything because there's something that's going to be lacking and i'm going to forget about it for months and so I wonder if our listener has any of those like alarms too alarms constantly going off on my phone for things like I just dismissed you know so that

doesn't work for me that's fair fine it works but the list thing that's why I'm known for my cleaning schedule like people are like oh my gosh V so organized no V so disorganized that's why she needs a whole schedule of this is when this has to happen and this is when this has to happen because, like, I get overwhelmed. And so if you said, hey, V, on Tuesday you have to clean the house, where do you start? Totally. And then I get analysis paralysis.

And then you know what we're doing? We're actually just going to organise the cosmetics. Yep. We're actually just going to pull the entire laundry apart and reassemble it and then you're going to come home. And did I mop the floors? Absolutely not. But look at this other thing that I did.

Pantry organisation. Stella. Why is the bathroom an absolute mess, Victoria? Yes, the priorities are off. That is why I need a whole schedule. This is what happens on a day-to-day basis. This is what happens on a week-to-week basis. And every month, this is what I do because when I'm feeling overwhelmed, I go back to

my list. And I think that that is a really great coping tool for ADHD because then your job is to just check the list. And in this situation where you're managing finances, maybe you need to write a list of like every week I pay for netball and every month I pay my phone bill and like you have a date that you go through and check and pay those things so instead of like oh every week I will make sure that I check x like you know what date it comes in so on that week that gets paid on that date like how how would you manage it Jess as somebody who doesn't struggle with these things? No I think

for most people that exist somewhere obviously neurodivergence is a spectrum there's so many different things. And I think a lot of what can be done regardless of, you know, what kind of point of difference you have is finding coping mechanisms that work for you. So you've both just listed two different, you know, types of or ways of doing things that work really well for you guys. They might not work for somebody else, but I think it's about a little bit of trial and error, like trying lists, trying alarms, trying, you know, reminders on your phone, trying like some people use, what is it like audio, some kind of audio thing. Like there's lots and lots of different things out there and I think it's largely about finding what works for you. Give it a crack

because it's like the alarm thing you said that worked for you I tried that and all I did and it's not because I think I'll switch it off it's because I put all the alarms I went in and I set them all up because like one thing that we're good at is like the motivation at the start to get it all organized did that and then I see it pop up and I'm like I don't want to do that dismiss and then I never think about it ever again. Yeah so there's trial and error to find what works for you I also think perhaps automation of your bank account so having money automatically debit from one plate, you know, your money, maybe you have a bills fund and all your bills auto-debit out of there and it's set up so you actually can be quite hands-off, but everything goes to where it needs

to go so it can debit. And you can do that. I think a lot of people assume that, oh, if the, you know, phone company, for example, didn't offer a direct debit option, I can't do that. Like I have to manually do it, but you can go into your bank account and set up an automatic transfer on a particular day to a specific account number and BSB code or a BPAY reference. Like, and you could go okay well every month I know that my phone bill is $35 so two days after the bill comes in in my head I'm going to set up that automatic thing and then if I go over then at least I know the base bill is covered yeah so I think that that is a really good way Jess of automating things because it's like one and done you set it all up yes and then just check in on

it every like couple of months to make sure that things haven't changed and they're still going through. And like, that's a good idea. Yeah. The other thing I would say is like, I guess the more emotional aspect of it is I would remind you that a partnership is exactly that. Like there's, it's give and take. And so it's, it's filling the gaps, you know, of where the other might have, what is a mental crack for you might be something that's so simple for your partner. So rather than feeling like you're a burden, which I'm sure that you're not, I would say, what are your strengths? What are your strong suits? Like, I'm sure that there of things that you're really good at do you get your you know hyper fixated on a cleaning task

can you once a month do a deep clean of a part of the house or can you take on you know yard duties or can you walk the dog every day or is there something that you can do with you know within the realm of what needs to be done as a part of your partnership within the household that you can take on that then comes off your partner's plate because I think it's all about balance and just because you know you feel like they're taking a lot of the mental load I think it's really kind that you're so aware of this and wanting to make sure that it's good and that it's awesome, but also give yourself some grace and know that there's absolutely somewhere

within the relationship that you can add value and that you can do whatever you're really good at. And I think that, you know, you've said your partner doesn't complain, they love you, right? Like at the end of the day, we... I love my partner and I still complain, so interesting. But we, you know, a partnership is appreciating someone good and bad.

Yeah, 100%. You're seeing arguably the worst parts. And we've probably got some things that they're like, oh my god I wish I was better at xyz for my partner like so talk to them be like what can I do like what's something like if it's not finding you know if you get to the point where you say I've tried all the things I've set the alarms I've done the blah blah and it just doesn't work for me go okay what's a different area that I can focus on that I can then add my own value and I think that's very valid and fair too yeah no I like it we very well said yeah we did also

ask the community so we said in your relationships how has managing finances worked 55 percent of you said one person naturally takes charge. I think that's very common. 29% of you said it's usually shared pretty evenly. And 16% of you said I've only ever managed my own. We then asked, have you ever felt like you're letting down your partner financially? 13% of you said, oh my God, all the time. 35% of you said, yeah, sometimes. And 52% of you said, no, I'm pretty on top of everything. Wow. Okay. She's on the money queen, like slay. But for this community member, not relatable. We then said, all right, what are your two cents? One person said, try out a money date every so often and do it together. Automation is going

to be the best. Huge. Someone else said, their partner sounds like a gem. It's okay to have different strengths in a relationship. Someone else said, your ADHD isn't a burden. It makes you caring and special and that is so valuable. I love that. I love that too, but I'm not going to lie my ADHD it's a superpower it's fantastic it's also a burden like don't get me wrong like on one side I'm like oh it's why I'm as successful as I am and it's why I get to do what I do and it's why I you know function well in all these spaces but like my gosh it is a burden on the flip side and I'm not disagreeing with you this is a really nice sentiment but to sometimes say like oh it's not a burden at all like girlfriend I'm stressed that is a burden yeah like I just

need to work through it and I just need a framework or a structure that works for me and it's work to then get to that framework or structure because it's so disheartening when you try something right like when you go through your phone and you set up all the alarms so that everything happens and then you literally it just doesn't work and you're like nothing's gonna work you just need to like have a bit more grit yeah try and try again and find another solution because I promise there'll be one that fits it just might not be that one yeah someone else said I feel like this with my chores I have ADHD and struggle with day-to-day stuff ADHD can be exhausting do you know what I'm seeing is that a lot of people are saying like I'm really struggling with

it medication is not always the answer I was just gonna say that going and seeing somebody and talking about like ways to manage it like a therapist a psychologist a psychiatrist like my entire life is different like I'm talking about medication here because that's the one thing that has really really worked for me but just like my days are different when I'm medicated and when I'm not yeah my team you guys know I walk into the studio Jess will go you're not medicated today they'll be like pounded as you'll know and i'm like halfway up the wall oh you just had a different handbag today um to adhd yeah and i'm not saying that that's right or wrong but there are lots of different coping mechanisms and if you're really struggling

please reach out for help and support and ask for it because when people like oh i feel like this with chores, like you don't have to feel like that with chores. You don't have to feel like that with your partner. Like you don't have to feel like a burden. Like there are solutions that you can look into. And lots of people are going to be like, oh, I don't want medication. You don't need medication. There are lots of things that you can do that would help here, but a lot of it involves professional intervention. Yeah. It's because professionals explore your options and if, you know, whether or not you take them, it's up to you. Yeah. Someone else said, as an ADHD queen, as soon as I get a bill, I have to pay it instantly. Direct debit

but is also a godsend. Someone else said automate, automate, automate. And I put reminders three times in my phone for everything else. Yes, yes, yes. So be careful the first two, the third ones there. I love that. Hey, it's me again. Someone else said, please be kind to yourself. Money is hard for everyone at some time in life. It's all in communication with your partner. I think that one's the perfect one to end on. Yeah, gorgeous. Oh my gosh. Have the best day, guys. I'm so glad to be back. If you haven't been following along, we still have the 30-day reset going on online and it is available to sign up for for all of January. So if you've been thinking about kickstarting your finances or just getting on track or even

just joining a community of women who just want better for themselves, like we're just doing stuff and we're getting it done. Like 30-day reset. I can't think of something sexier at the start of the year. So motivating. Exactly. And if you also were like, oh, I'm going to set goals at the start of the year and then you didn't do it, like there's still time. I have got you. But anyway, guys, Have the best day and we'll 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 MoneySherpa PTY LTD ABN 321 649 27708 AFSL 451 289.