She's On The Money - Bless This Christ- Mess

Episode Date: December 7, 2023

It has been QUITE the week for the SOTM team! Join Bec and Jess for a hard earned Friday (get better soon Victoria!), as Jess shares your money wins, Bec brings some top notch broke tips. And this week we talk through the tricky situation of last minute wedding guest cancellations. Who should carry the cost when guests pull out one week before a destination wedding? There were feelings to be had! 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. Today is Friday, which means it's time to get the team together, or as many of us as we can find, and celebrate you, the incredible She's on the Money community. Today, I'll be sharing my favorite money wins, Bec is going to be sharing her best broke tips, and we're going to be unpacking something that you slid into our DMs about, which this week is all about covering the cost of last-minute wedding guest cancellations. And that one got very, very juicy, very quickly, so stick around. If you're listening today, you're going, Victoria, you sound so different.

Or Jess, you make that joke every time Victoria's not here. Surprise, Victoria is missing. Poor doll, she's got bronchitis. Oh, my gosh. So she probably also doesn't sound like Victoria either right now. Totally, totally. I wonder what she'd sound like, a weathered man. Really raspy, I think.

Yeah, raspy. No voice. Oh, that's kind of sexy. Yeah, I love it when you have that, like, last day of sick, little bit of cold. Oh, my gosh. I love a bit of last day of sick raspiness. Yeah, that's silver lining for sure.

Yeah, so she's got that to look forward to. But sadly, she's not here. So Bec and I are holding down the fort this week, but we hope you bear with us and enjoy it regardless. How has your week been? It's been really nice. As you know, as I was mentioning off air, this week has been top of mind right now is I'm trying to get jacked.

So lots of gym. Love. Lots of pub. Lots of going out. I'm just living life. Living a dream. So excited. It's almost Christmas. It's just good vibes all around. So great week. And this is really

insensitive of me because I know your week already. No, I like hearing about your good week. Oh no, I just, I totally forgot. But how was your week? I don't even know how honest to be. Be as honest as you like. I had like the worst 24 hours ever. I flooded my house by my own fault. I left the bath running because I was just doing a million things. And as you guys know, I'm renting so I felt extra just terrible because it's not my house to ruin not that you want to ruin any house but like I feel extra bad because it's not mine so that happened and then the same day my car battery stopped working so I had to replace the car battery obviously when I flooded the house I used every available piece of material to mop up the water it was when I say like I

flooded the house like I did I did a really good job of it which the one time you'd really prefer to do a shitty job or something, I really nailed it. So like every sheet, every towel, every pillowcase, like anything that was made of fabric, every blanket was on our floor. And so our bathtub is currently full of wet items that I need to launder. And then I was doing like my eighth load of laundry for the day yesterday and the washing machine started leaking. So that was going really well.

And then I broke a nail just to really get in there. Broke a nail and ripped a dress. And I just was like, and this is all in the space of 24 hours. and I just, I can't take it anymore. That is so weird. I want to know what your co-star is saying. What are your horoscopes saying? Like maybe there's something in the air.

Like why is this all happening to you right now? I don't know, but I feel like it's because I'm an idiot and I just, it's been, like this all happened at the start of the week and it's just coloured the rest. And I know that, you know, there are much worse things happening and there are people that have it so much worse than me, but I found it really hard to pull my head out of my arse a little bit and snap out of it.

and this is so silly. We had to take our Christmas tree down because it was in the area that flooded and when I flooded everything, I was home alone. And so my tactic was get everything out. So like empty all the rooms, get all the furniture, everything off the floors so I could mop everything really properly. And we paid for someone obviously to come and do the best as they could. And of course we obviously have spoken to our property manager, like this isn't a secret or anything, but I got everything out, but I took down the tree and I haven't put it back up because I was like, well, presumably someone's going to have to come repair the floors and I don't want to make their life harder by having more stuff out. So I put it away and

now I feel sad and the joy of Christmas is just gone. A little bit. Like I found it really hard. If you follow me on Instagram, you'd know that I've been going hard on Christmas. Like I've been decorating, I've been having lots of fun, living my best life. And then like I took down the tree and I just had this really, really bad 24 hours and I've just gone, I just, it's just, it's like the, I feel like the Grinch, the magic is gone. I feel really sad and really stressed and very silly for feeling sad and stressed and flooding my heart. Like, do you know what I mean?

Like, ultimately, I think my frustration stems from the fact that I know that it's all my own fault. Like, if I just hadn't been stupid. Oh my gosh. I wouldn't. It was so avoidable. Is that like the... A hundred percent.

Yeah, yeah, yeah. I get you. I get you. Yeah. There's no worse feeling when something is so inconvenient. It ruins several days of your life and you know you could have avoided it. Wow, wow, wow. But also, like, you do put a lot of effort into your Christmas decorations.

I mean, it looks amazing. Thank you. I get it. And you're so considerate for being like, I'm going to have a bare lounge room just in case someone needs to come in and fix the floors. The house is very sad looking at the moment, but that's okay. You know what they say, once you hit rock bottom, there's nowhere to go but up. Oh, God. Well, if someone has an up for me right now, I would love to hear it.

Totally. But that's okay. Hopefully this is rock bottom. Yeah. I was going to say, I don't know how much worse it could get, but I need something wood to touch because I just know I'm going to touch wood. We'll see. Yeah, I don't know.

Anyway, moving right along. Yes. Sorry for trauma dumping on the listeners. No, no, you're allowed. This is a safe space. Happy place. Let's talk about some money wins, shall we? Yes, good idea.

My first money win this week is a goodie. It comes from Heather. She's feeling very on brand with you, very in sync with you this week, Bec. She said, Kmart, I've been donating to the gym, aka not going because I'm a lazy girl who struggles to leave my house to exercise. So I brought the gym to me. I set up under my house and just watch YouTube workouts. She's bought all of her little bits and pieces from Kmart.

She's got some weights and a mat and some other things that I don't even know what you do with, but good on you, queen. and she said this cost me under $100 compared to $40 a week for a membership that I wasn't even using. It's super fun and I feel comfortable in my own home. That's amazing and Kmart have some really good like exercise equipment. Yeah. I have some weights and stuff from them and they're like cute pastel colors and I mean like a weight is a weight right like how. Totally but it's always a little bit nicer when it's pretty. A hundred percent. Next I've got a money win from Chloe who said I tore a hole in my jeans and instead of buying a new pair I bought an iron on repair

a patch for five bucks from spotlight the hole is not obvious at all and i get longer wear out of the jeans that is cool and also those little patches they're kind of cool they're fun you can get like smiley face ones and stuff yeah i'm assuming she just got one that goes behind because she said you can't even really see it but i mean how good and you spend so long breaking your jeans in there is nothing worse than buying a brand new pair of jeans when you've got your favorite one that's fit you perfect and they're just fitting right yeah but also holes are kind of in fashion. I don't know. Actually, I don't know fashion. It depends where they are. And it depends how old you are. That's true. Because if you ask someone, they make that joke. Did you pay

half price for your jeans? Because half of them is missing. Okay, that is boomer, but I really think it's kind of funny. So I appreciate that. Rated. Top points from Bec. Next, I've got a money win from Lisa who said, money win. I really wanted a pedicure, but I didn't have time to go to the foot-in, foot-out. So, I don't even know what that is. What is that? It sounds fun. It's a cobbler?

No, I'm assuming it's the pedicurist place, but I don't really know what foot-in, foot-out means. I've never had a pedicure. I'm uneducated. But she said instead her sweet seven-year-old daughter did her toes at home for her. She saved some money and Little Miss loved doing the painting. Oh, my gosh.

And she's probably training up to be maybe her full-time pedicurist. Literally. Get the girls some YouTube videos. basic tools and put her to work. What else are kids for? Literally, if not labor. Within the home. Within the home, of course. Next, I've got Natalie who said money win. During Black Friday, I went on Shopback just to have a look and I saw Expedia were doing 13% cash back on hotel bookings. So I booked myself four nights in London in a hotel I had previously looked at for $1,200. I got it on sale for $690 and I got $35 cash back. Cha-ching. Oh my gosh. Go off

coin. That is so good. I like the casual. I booked myself four nights in London. Yeah. Yeah. That's well worth it. If you get $35 back, that's it. And she got the thing half price as well. So that sounds pretty good. Yeah. That is actually really, really cool. Lastly, I've got a money win from Shelby who said, I received this email from my real estate and I was honestly so shocked that this happened. The money from one week of my rent will pay for my Airbnb for my Melbourne trip to see Taylor Swift. Honestly, so generous. And she's popped in a screenshot and the email from her real estate agent says, hi guys, hope you've both been doing well. The owner would like to gift you one week of free rent for the Christmas period to say thank you for being great

tenants. That is so nice. How lovely is that? I just thought that was so thoughtful and considerate And obviously not everybody can do that, but if you are in the position to, what a lovely, thoughtful thing. And how nice to say thank you to your tenants for being good tenants and presumably not flooding your house. Yes, ideally, ideally. That is really lovely. That is, and that's everything that I've got this week.

Okay, well, if you don't mind, may I share my broke tips with you? I would like nothing more. Okay, so this week I have obviously two from the community, one from myself. So the first one comes from Christy, who has basically said that she found this really cool app. It's called Half Price, and it basically just shows you everything that's half price in Woolies and Kohl's in particular for the week. So you can just add them to your shopping list and go off.

Just next time you're in the shops, before you go in, just sit in your car for a little while. Go in Half Price, see what's going on, try and, like, plan your week out. Yeah. I just think that's the most convenient thing ever. Like, I had no idea this existed. So I'm absolutely going to download this as soon as we finish up here. Half price, just in case you didn't get that.

Okay, the next one comes from Ebony. I really like this one because she's saying, like, obviously it was Black Friday sales not too long ago, and a lot of people are upgrading their televisions, their fridges, I don't know, all their appliances and stuff. It is a little bit cheeky. So basically instead of buying everything that is on sale, even if you need to upgrade your own home appliances,

your TVs, your whatever, other people are going to be selling those things when they upgrade. So what we're going to be doing is not buying anything in store. We're going to be going on Marketplace, on Gumtree, on all these other resale places and looking for people who are selling their still good but now upgraded everything. I keep saying TV, but I'm talking about, you know, whatever, microwaves. Do people sell microwaves? I'm sure they do. Yeah, of course.

But all the little things in your house that you feel like you need to upgrade, don't buy it brand new. Wait for other people to do that for you and sell their own things. Honestly, that makes sense. Yeah, absolutely. That's so smart. I have done that. I bought a new vacuum and now I'm selling my old vacuum.

Yes, exactly. Why not pick up a bargain? Exactly. You don't need the newest top of the line, whatever. Like an upgrade is still just going from point A to point B. Totally. That is such a good tip. Yes. And it's always, you know, it's a little bit cheaper. It's a little bit more affordable,

whatever. Just circular economy too. I'm such a big fan of the circular economy. Reduce, reuse, recycle. Exactly right. What about your broke tip? So my broke tip, I don't know if you've heard about this, and I also don't know if it's just in Melbourne. I'm sure it's in other places as well. But here we have what's called Rough Trade. Have you heard about Rough Trade? No. So it's this Facebook group. Try and check it out and see if you have an equivalent where you are, maybe Sydney, wherever you are. But in Melbourne, we do have a rough trade. And what I used to do is if I was like really broke one week, I would be like, okay, let me

look around my house and I'm going to put up a random desk chair. What you can do is because sometimes if you actually sell that on Marketplace, you don't get much money, maybe like 10, 20 bucks, whatever. It might not be actually worth anything, but you put it on rough trade. You say, hey guys, here's an office chair. I want to swap for soy milk, coffee grinds, rice. And you go in and you basically say what you want to swap your whatever it is for and you get it. So I've gotten so many things over my time. I've been like, oh my gosh, I like have to go to a dinner party tonight and I have no dessert. So I'm swapping my microwave for an entire crock and bush. You know what I mean? Like, you know, obviously that's like a

a crazy example, but really rough trade is so good. You might find people wanting to trade for nothing. They might be like, hey guys, I just take this off my hand. I don't need it. Whatever. Same as like the free section in like Gumtree or Marketplace or whatever. But with this, it's more, you know, you can actually use, you can actually see what you're getting out of it, you know? So I would recommend that if you're having a week where you literally just can't afford groceries, find something in your house that you want to trade for a bag of rice. Just something, you know what I mean? So rough trade in Melbourne, I'm sure there are equivalents elsewhere, but I would recommend that just if you're going through a tough time and have some things around

the house that you could get rid of. That's really cool. Does that exist on that page? Do people also trade skills? That's a very good question. I'm sure you could do. We were having this conversation in our friend group because my partner is a physio and our friends will just be like, oh, can you give me some exercises? And of course, I'm always happy to. But I was saying it works really well because one of our other friends is a plumber. And I was Like, well, when my toilet wasn't flushing, I was asking Daniel, how do I fix this? I didn't want to pay someone to come out.

So it would be really cool if you could do the same thing, I don't know, on rough trade or even within your friendship groups, like sharing skills I think right now when we're all super strapped for cash, being like, hey, like I need someone to come and replace all my light bulbs. I'll pay you in cookies or, you know, I'll design a beautiful piece of artwork for you because obviously you're an artist. So, like, I could trade you a piece of artwork for your help

or something like that. Like, I feel like that if it doesn't exist, it would be very cool if it did exist. That is a great idea. I really think you're onto something. Yeah. Should I develop an app? Yeah, definitely. With zero skillset, just a fun idea. Yeah, definitely, Jess. That's a great idea. All right. Well, there we go. Let's go on a quick break and try and actually develop this app while we're over a tea. Are you comfortable with that? Yeah. Let's set a timer. We'll be right back. Okay, yeah.

Welcome back, everyone. This week we are skipping Money Dilemma because I worry that it's maybe a little bit triggering for you. Too much trauma this week. Considering the amount of Money Dilemmas you are currently going through. Yeah. But we also thought maybe we just like wait for VD because, I don't know, I don't want her to have FOMO. We want her to weigh in. We want her to weigh in, you know.

I think that leaves us with the DM, the juicy, juicy DM that I, I don't know about you, but this is all I look forward to. Yes. Let's go. There's lots to unpack this week. So our DM this week says, hey team, I have a dilemma for you. I'm having an interstate wedding next week. I gave everyone a save the date one and a half years ago and formal invitations in January

this year. Most people formally RSVP'd by July. It's now one week out from the wedding and I have already given the confirmed numbers to the venue and paid the outstanding amount, which was $18,600. Within the last week, 10 guests who had previously RSVP'd that they were coming have now cancelled, citing that it's too expensive for them to travel interstate and I am scrambling to cover their seats. Otherwise, I'm effectively wasting $2,000.

Is it reasonable to request that they cover these costs themselves? How do I ask them without sounding like an arsehole? oh my gosh this is a good one weddings are so expensive yeah okay so I guess so she's not literally losing two thousand because she's already paid for it but there will be literally ten seats that are not wasted yes that is such a tough one I would say I guess it is on the people that are literally cancelling like a week out I feel like that's that's that's really not okay That's quite rude, even if the wedding was in-state. How do I say that?

Not inter-state, in-state. Internal. Internal state. At home. At home, basically. But I just don't think cancelling that close to the wedding, anywhere it is, no matter what the situation is, is ever really okay. It just doesn't feel good.

It feels a little bit like, I don't know, you're really putting some people out. Yeah. But requesting the money is a real tough one. Maybe just I would explain the situation to them. Be like, hey, this is what's happened. Like a lot of people are cancelling now because they can't afford it, which is totally fair. Would you be willing to just chip in?

Or their wedding present might be $100 in a card or something like that. But I guess because they can't afford to go interstate, they might not be able to afford to chip in. So that's where we are left. I would just – I would simply just ask the question. I would present them with my dilemma. Yeah. See what they say.

Yeah. You never know. Do you think that they would have known more than a week in advance that they weren't going to be able to afford to go on this trip? You would think so, yeah. Because if they've RSVP'd, they got the save the day a year and a half ago, so that's a year and a half that they potentially could have spent saving. And then RSVPs were due in July and we're now in almost,

or we are in December, oh, my gosh, we're in December. Whoa. Well, so they've had five or six months to save. Do you think at some point prior to the week before the wedding, they probably could have gone, oh, it looks like it's not going to work financially? Probably unless they had a Jessica Ricci kind of night with the flooding and everything. A disaster. But surely you'd book everything. That's what I was going to say.

Would you not have booked your accommodation and your transport prior to? Like you wouldn't be booking it the week before, surely. Yeah, true. They probably did know, purposely didn't book. Yeah. And then a week out. Yeah, that's true, actually. That is kind of sneaky. I think it's the week out thing that's bothering me because I can understand if you had RSVP'd, yes, at the start of the year, 12 months is a long time. You know, I understand that there

is a financial burden to travel interstate, but I also think like, could you have started working into a budget? And you're totally right. Like, as I have seen this week, like things come up, like unexpected expenses, people are only human. However, I would have thought that you would kind of be planning and preparing a lot sooner to the point where you would have known a lot sooner if it wasn't going to work yeah and for 10 it's not one person has bailed on this wedding and gone oh I'm so sorry my house flooded I can't like I need to sell my flights or something yeah 10 people is a lot of people yes so the chances of that kind of being everyone's same situation it's kind of unlike if you got to a week out of a wedding you realize

you didn't have any money, maybe you flooded your apartment, maybe all these things came up and you had to cancel, would you be willing to cover the cost of your own seat? I think so, absolutely. Like when I, like with, not to make it all about me, but when I flooded the house, I said, we'll pay for the insurance excess. Like to me that made sense. True. What if you couldn't afford to go over, to go interstate and you were actually like scrambling for money? Like, would you still cover your seat? I think I would say if I physically didn't have the money to give right now, I think I would say, hey, I'm so sorry. This emergency has come up. I don't have the money to travel. I would love to

cover my seat. Can I pay it back to you within the next three months? Or can I pay it back on an installment plan? Or as soon as I get back on my feet, can I pay it? It would be the first thing that I would want to say because to me, I would want to be communicating to the person getting married. I don't want to put you out. I understand that you have paid for me. I understand that this has happened. I don't want to put you on the back foot because of my emergency and whether or not, I can cover that right now. It totally depends on your situation. But I think that there is an element of responsibility if you have committed to going to something. They've invested in it financially too. And that's where I kind of, I know it's hard because

it's the bride and groom have chosen to get married interstate, but I think you had the opportunity to say no. You had the opportunity to say if it didn't come up last minute. I do think there is an element of responsibility on you to help with those, like that financial situation. I do agree. I actually do agree. But you were saying before when you were just skimming through the responses, your mind kind of changed. Because right now I think we're both like the person cancelling should be paying for their seat, whether it's now, whether it's later. Yes. All right. Well, let me tell you. First, we did ask a couple of questions. We said, firstly, do you think the guests should have to cover the cost due to their late cancellation?

51% yes, because they RSVP'd attending. 49% said no, they clearly don't have the money to pay. So almost a perfect split, which is crazy. Then we said, if yes, would you take action and ask for the money? 7% said yes, I would ask for the cost of the entire seat. 29% said yes, but I would just ask for a percentage of the cost. 63% said no, I would just accept it as a loss and move on. Okay.

Next, we asked, if you were the guest who cancelled late, would you be happy to pay back the cost of your seat? 53% said yes and 47% said no. So again, very close to an even split. Very close. Then we said, have you ever been invited to a destination wedding and had to say no due to the cost of travel and a comm? 53% said yes, 47% said no, which is totally understandable. It is expensive to travel. And lastly, we said, if you said yes, how did the people having the wedding respond?

86% of people completely understood. 10% of people said they were disappointed and expected to pay. 4% of people said they were offered to cover the cost for them. Oh, that's nice. Which is very nice. And then we, of course, asked for your two cents. And there was a really, very much like the poll, responses were super duper split, kind of in one camp or the other. so let me read a couple to you one person said she's paying the same whether they come or didn't come it's not going to cost her anything so why should they have to pay which is kind of what you said at the start yeah i see someone else said i don't understand why they have only worked out a

week out that it's too expensive it is so rude to cancel that late if it was four months ago it would be different it's the timing of it yes someone said this is extremely late cancellation is the issue. No stress if they were up front early. Someone else said they chose to have a destination wedding. The responsibility is on them. It's a big ask for the people attending. But they gave so much notice. That's for a year and a half, assuming that they put in their save for the date that it was going to be an interstate wedding, which is a lot of time for somebody to prepare. Someone suggested that maybe they could invite more guests to cover the seats so that you're not awkwardly asking for

the money, but you still have people filling in. So it kind of feels like a little bit of an even out. Although if you got an invite to a wedding the week before, you'd probably know that you were a seat filler, which is again, potentially a little bit awkward. Yeah, I see. I see. Someone else has made the point that maybe they could afford it previously, but with the cost of living going up, maybe they can't afford it anymore. Although I do still kind of wonder when were they planning on booking their seats? Yeah, that's the thing that keeps It's a current theme. Yeah, a couple of people made good suggestions on potential resolutions. One person said, I wouldn't be surprised if these guests still gave them a present.

Isn't the gift exchange typically what you pay to cover the cost of your seat? So perhaps they will still give them the gift. Someone else said, I was curious to get my partner's thoughts on this. We both thought to suggest a cash gift contribution to the honeymoon house, whatever's next in their absence, kind of takes the edge off asking to pay for the seat outright, but can also be a choice of how much to contribute and could easily be put towards covering the costs of the seat. What do you see on wedding gifts, actually? Because that's another. Yes, exactly. My biggest gripe about people being in love is I don't want to be paying for like hen's party gifts. Maybe you don't have to get a present for

that. But you do have to pay for your dinner. You have to pay a big amount for whatever you're doing that night. You have to pay for an engagement party gift. You have to pay for a wedding gift. You have to pay for maybe a baby gift. So many presents. And I just want to stick to birthday presents or Christmas presents. I don't like wedding gifts. I get the idea. I don't like them. Sorry. Hate it. I feel weird about cash. And I really understand. I understand the, you know, people say contribute to our wishing well or something like that I understand that you know as the person throwing the wedding you're probably like well I'd rather have the cash than a casserole dish and I understand that but something about it feels very transactional to me yeah and I always

get really caught up because it's so clear the amount that you're giving as well because if you buy a gift maybe you can purchase something nice but get it on sale or maybe you can make them something beautiful that's worth a lot emotionally but maybe not financially or there are all of these different options. But to me, it really feels a bit like cards on the table. I think your wedding is worth $100. Yes, exactly. And that feels a bit uncomfortable to me. Yes, I totally agree. And it's hard in this situation because we don't know how, oh, I suppose you could do the math actually, but these guests probably don't know exactly how much the seat is. So I think regardless, she's going to have to have a conversation with them in some way, shape or form.

And I don't really know what the right way to approach that is. Someone did suggest checking out Derman skill, Derman skill, D-E-A-R-M-A-N. Apparently, it's a communication tool from therapy. This was sent in, shockingly, by a therapist. And they said there's a great app called The Dime Game, which can help them work out how assertively they should ask. Oh, that's interesting. I don't know anything about what this is, but I do like the idea of kind of figuring out where to start the conversation because it is one of those things I feel like you could come in a bit too hot, especially if you're upset, which sounds a bit like our

listener might be if you come in all guns blazing like well if you're not coming to the wedding pay for your seat and there were a few people responding saying one of two ways either you know do you value this friendship is it worth getting into a fight over or people saying kick them to the curb girlfriend like they're clearly not a real friend keep 10 friends to the curb that's a big loss yeah it's really hard i think ideally the people who aren't coming anymore they will give a hopefully cash gift that will contribute to the wedding so she doesn't feel like she's missing out on too much. Maybe the seats will go unsat in, but she wouldn't have got that money back regardless, I imagine. So they're there, they're not there. It all comes

out in the wash. Hopefully she gets some cash gifts and everyone feels okay. Yeah. And maybe it is about having a nice conversation, communicating and saying, I understand if you're having a hard time financially, I don't want to put any pressure on you. You know, I wish that you'd been able to tell me sooner because now I am out financially. I've spent $200 on your seat that will now be empty or something of the sort. And maybe that also will help to make them aware of the impact that they're having because they might not realize that you've paid for their dinner and all of those kinds of things

and those costs add up very quickly. Absolutely. Maybe that's the nice way to approach it. Yeah, that's so true. I feel like that's all I've got to give today. What about you? I think same. Same. I feel very satisfied with this.

Happy Fri-yay, everybody. Don't forget we're doing our 12 Days of Giveaways over on Instagram. We have given away some amazing prizes already and we have so many more to give. We're at She's On The Money AUS if you want to participate. Jump in the Facebook group too because we do love asking our juicy questions in there as well. But otherwise, have the absolute best weekend and VD will be back bright and early on Monday with a money diary for you. Bye, guys. See you later. 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 divine and she's on the money are authorized representatives of money Sherpa PTY LTD ABN 321 649 27708 AFSL 451 289.