She's On The Money - How to Navigate Different Family Money Values this Christmas... and a Very Relatable Bill-Splitting Drama

Episode Date: December 18, 2025

Ever stared at the bill split amount and thought… sorry, why am I paying for food I did not eat? We’re unpacking a takeaway dilemma where one person orders like it’s their last supper and everyone else is expected to split it evenly. What do you actually do in that moment? Do you say something, suck it up, or quietly build resentment? We talk through the options, the social risk, and how to handle it differently next time without blowing up the friendship. Then things get uncomfortably real with a Christmas DM that hits a nerve. When your family’s love language is business class flights, investment wins, and expensive gifts, and you chose passion, values, and a very different definition of success. We get into how to respond to the comments, protect your self worth, and decide when it’s worth engaging and when it’s not. Need the team’s take on your money dilemma? Send us a voicemail here.Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here.  Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram.  Acknowledgement of Country By Nartarsha 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.

My name is Natasha Bamblett, I'm a proud First Nations woman, and I'm here to acknowledge country. Hello beautiful friends. We gather on the lands of the Aboriginal people. we thank acknowledge and respect the aboriginal people's land that we're gathering on today take pleasure in all the land and respect all that you see she's on the money podcast acknowledges culture country community and connections bringing you the tools knowledge and resources for you to thrive 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 to get the team together

and celebrate you, the incredible She's on the Money community. And yes, you're hearing right, it's just Rikki taking over today because unfortunately VD's unwell. I'm still going to be sharing all of my favorite money wins and confessions. And Beck, who is also here, is still going to share all of her best broke tips. We're going to help answer a money dilemma, which is a spicy one this week, all about splitting takeaway costs at a friend's house and something you slid into our DMs about how you should handle clashes with your family about differing money values on Christmas day. Ooh. It's just us today. This is so nice. It's always fun when we get to hang out.

I know, it's really cute. You're so good at that, the intro, I guess I'm going to say. You just like, you just pick it up. You just know what you're doing. I feel like my intonation is exactly the same as Victoria's because I've just heard it so many times. So it sounds very similar, but slightly different. Totally.

Oh my gosh. Well, how's your week been? It's been lovely. I have done not a whole lot, actually. Just been plodding along the chaos before Christmas. Oh gosh, lovely. Yes, how about you? Great.

I feel like everything is so magical this time of year you know everything's so whimsical I you do love a bit of whimsy I do love a bit of whimsy well I have a little bit of Christmas whimsy in this week's five-star review if you would like to hear it I would love to all righty it came from Bianca and she said hey V Jess and Beck because of everything you guys do for the community I wanted to give you a Christmas present of a five-star review oh I am ending the year in such a better way than I started it off from listening to you every week I've paid off my debt and I even have a Sharesies account. Thank you, Queens. Oh, that's so lovely. That's so sweet. I just have the Christmas warm fuzzies. I know it's in the middle of summer. And so, you know,

the traditional motif for Christmas is the snowy winter, but I still get the cozy feeling. Yes. And I don't really know how to explain it. I know exactly what you mean. I still force, I force feed myself hot cacao. A little hot chocolate moment. I'm sweating. It's so hot. But I'm like, well, you got to, you know, you got to. I can't get behind the, um, you know how they do the Christmas decoration would be Santa at like the beach or something. Yeah, I don't like it. It's enough for me. It's funny, but it's enough for me. I get it. I get that it's hot, but Santa has to be rugged up. I don't care what temperature it is. I don't want to see his shirt off. No. Not for me. I don't want to see people, but I think they should be freed. Yeah. In another life.

Everyone except Santa perhaps. Everyone except Santa actually. Oh my goodness. Well, this week we have another fantastic question that is sent in to us. I love doing this because I think it's so fun to do something not finance related. Totally. I don't know if you feel the same, but I mean, obviously finances. Like I know that we're all here for the finance and I get it, but especially with VD away, it's fun to talk a little something else, you know? Absolutely. So this week's question is from Kylie and she wants to know what the gossy is on our Christmas wishlist this week. Oh, okay. Okay. Okay. What are you hoping to see under the tree? Honestly, i'm a big fan of a novelty gift and i'm doing like a slinky like a squishy toy yeah which i

know is really silly because it's like okay choose something practical like a dyson vacuum cleaner or something something that's actually going to help me in my life yeah but i really really just want like you know there's like those little balls i think victoria actually got some for us a few years ago i think so where you like press it and takes a while to bounce back yeah i love I love those things I just want little novelty ideally colorful yeah weird useless crap under the tree you never lost like the childlike wonder of Christmas I feel like that's what kids really want to is like little silly things just give me a box a giant box empty box I'm happy with that what about you uh I wish I was as as chill as you um what was on my Christmas this year I still

really want a Ninja Creamy swirl. I feel like I've been saying that for ages. Holding out for Boxing Day sales, hoping like there's a really good sale on there. But that's obviously a big gift. I wouldn't expect somebody to buy me that. I love Amazon gift card for my Kindle. I feel like because then I can buy lots of books. Books add up. They're expensive. So it's always nice to be able to just put it on a gift card. I love a gift card generally for Christmas. Me too. I think we've said this before, but I'm pro gift card. Completely agree. I love a gift card. I completely agree because then you don't have like the pressure of spending it on bills and responsible things. Genuinely, which I feel like is what everybody does, especially like this time of year when

you're so short on money, you go, oh, I should be responsible or buy somebody else a present with it or something like that. Yes. No, no, no. Let's get rid of that mindset. Fun things only. Don't have a bills account, just fun things. Fun things and that is all. Well, speaking of fun things, I have some really great money wins that I've pulled out of the community this week. Gorgeous. Please. Alrighty. Firstly, I've got one from Rebecca who said my partner and I wanted a coffee machine. So I entered a competition and I ended up winning. Scored myself a coffee machine worth $800. So we've saved the $800 we would have spent on the machine and also the money that we're now not spending buying coffees

out. Double money win. Oh my God. That is so good. And it's a very fancy looking one. I know you're good with the coffee machine. This is what it looks like. Should we put a photo? Looks very bougie. As you'd expect for $800. For sure. Next, I've got a money win from Holly who said, for the first time in my adult life, I've cancelled my credit card and I'm only relying on cash. It's scary as I've always had a credit card as a just in case, but it had to be done. Congratulations. You're going to be fine. I'm really, really proud of you. Yeah. And you know, if you've got your emergency fund, that will be your safety net that maybe the credit card would be typically. Exactly. If you haven't already, now's a really good time to start building that

one up. Next, I've got a money win from Emily who said she sold a perfume that her ex had bought her on Marketplace. It was 90% full, not her cup of tea and reminded her of him. She sold it for 50 bucks. She's going to combine it with a gift card she has from Mecca and treat herself to a brand new one. Beautiful. New you, new scent, I say. I completely agree. And scents, honestly, they can really take you back to a bad time. So good for you. I think that was a great choice. And I do have a little giggle at that one next i've got a money win from peter who said they went to a second-hand market for baby clothes and found a sleep sack in great condition for a dollar 50 plus 12 outfits they're growing bub and they only spent 50 bucks it was so much cheaper than buying

new i didn't know there were kids only markets no that's fantastic it had never occurred to me to look for something like that but it makes total sense really it makes so much sense yeah because they grow out of it so fast yeah a sleep there's nothing cuter than a sleep sack they look It's like a little blow worm. I know. Every time our friends bring their baby out in their little sleep tackle bed, I go, oh, a little squirmy-wimpy going to bed. It's so sweet.

So cute. Oh, my God. A little tiny caterpillar baby. That is the cutest thing. I know. And they make fun ones with little, or maybe that's not for sleeping, actually, the ones with the hoods. But anyway.

That's dangerous. I actually don't know at all. Neither do I. But that's very cute. Who put us in charge? Yeah, exactly. as long as they're cute we don't care about the rest of that's all that matters exactly right and then lastly this week I've got a money win from Zali who said got free scotch fillets

avocados and sausages all added into my delivered grocery order oh great love that just an accident there's nothing better than a random this happened to us recently we ordered online delivery from Coles and we think we just got a whole other person's order because we yes they we did direct a boot where they just put it in your car for you my boyfriend picked it up he brought it home and He's like, I think we got like somebody else's order because we had like three extra bags. So it was like a mystery unboxing. What did we get? It was so fun.

Oh my God, that's so fun. And I think I remember this, but they said that they would give the other person their, like you didn't have to go take it back and be like. No, no, no. The other person wasn't going hungry. That's it. They were like, yeah, they'll just replace whatever was missing and it all equals out. And obviously the big corps are making billions of dollars.

So I'm not feeling bad about, you know, my free bag of scotch fingers. No, that is so, so fun. And now speaking of that, because that actually sounds like a great broke tip, but it's really just like a luck thing. It is. So it's probably not good for a broke tip. But if you want. But that segue was lovely.

Thank you so much. I'm not, you know, I think we've mentioned this before. I'm not good at segues. And I think that you are really good at them. And so I am trying. So if you ever hear. I appreciate the effort. Thank you.

It was very smooth. Keep me with your broke tips, baby. Okay. So this first one comes from Stephanie, who says online catalogs are released Monday nights at 5 p.m aest for coals and woolies i will look at these and see which week specials are better to determine do i shop monday tuesday night or push to wednesday for the new catalog specials so clever so clever i hadn't thought to compare the week on week no and because they're changing midweek it's like oh you really could just wait and see yeah take your pick because nothing is

more annoying than when you go and you're like okay i've got to buy this thing this week and then you see that it's on special a few days yeah literally the most irritating thing exactly so This next one comes from Amara, who says, I sell all of my Happy Meal toys on eBay for $10. Lol. I agree with the lol. Happy Meals cost $6.45. They always sell within the week and it's free lunch.

I think that's genius. That's actually genius. Who's buying Happy Meal toys? I know. I mean, I guess like if you are after a specific one. Are you trying to collect them back? Are you trying to collect them? She's probably not for her McDonald's meal.

That's genius. So smart. I am going to put this to the test. yeah yeah yeah because that's so clever totally because yeah if you wouldn't just be like i'm gonna keep buying half meals you'd be like i just want this one toy i don't want to keep eating mcdonald's you know yeah that's genius so thank you on that one good one and then my own one so i know the shops are crazy this time of year and specials can like run out so i'm using my broke tip to remind you that coles and woolies do rain checks so if you go to get something special for

christmas day and it's out of stock ask for a rain check and they'll give you a slip of paper so you can buy it at the same price when it comes back in stock and is usually valid for like 30 days that's a great one that's very true there's also nothing more annoying than you go oh I've looked at the specials I figured out that toilet paper's on sale this week and I need to get it and then it's not on sale so then you have to go somewhere else and pay full price for it totally it blows your whole week out of whack yeah not that I've ever stuck to a budget in my life blow something else out. You can do both. Toilet plan. This time of year. Well, that's very true. We've gone to different places. Well, that's it. And I mean, you know, we could end up in the same

exact place because this time of year, there's no rules. You can blow whatever you want. Oh my gosh. We went to very different places. Oh my gosh. Reminder as well. I feel like while we're talking about Christmas blowouts. I just want to say there's a lot of guilt around this time of year, around your spending, around what you're giving. If you, you know, we've spoken about how you might want to give someone a large gift, but you don't have the finances to do so. A lot of guilt around food and indulging and all those sorts of things. And I just want to remind everyone that at this time of year and at every time of year, but you're allowed to do what makes you feel good. And you know, things that are done or given or said with love are worth so much more

than you know a really expensive gift and I just feel like there's a lot of pressure and stress and we see people talking about it every year yeah and so yes this is your reminder that if you want to blow out or if you want to keep it in or whatever you want to do I wanted this to be a nice sentiment but I'm feeling like I'm really fumbling it with the blowout you're doing great job no but just just a reminder everyone to be kind to yourself and be kind to everyone else because that's what the spirit of Christmas is right absolutely I completely agree with that so with that go forth and we are going to go on a little break and on the flip side we're going to be talking about splitting costs with your friends and handling clashes with your family

about differing money values don't go anywhere welcome back everyone here's 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, she's on the money. Love the pod. Hope you can help me with this one. So last night I went to a friend's place for origin and some takeaway. I got there late, so I didn't know what they had

ordered but it was eight dishes for five girls and at the end of the night seven dishes went back into the fridge either unopened or half full and I didn't take any leftovers home but when I did get home I got a beam at request for $28. I nearly died. I definitely didn't eat $28 worth and I feel like I'm paying for their lunch and dinner today. How do I ask to pay less? Should I us to pay less. If I had known it was this much, I probably wouldn't have gone. And I'm the only one in the group who lives out of home and I can't do this too often. Thanks. That's such a tricky one. I think like, I hate when something like this happens where it's like, you really are relying on both parties. You're relying on the people to just do the right thing and just be like, oh, hey,

you didn't eat that much and I'm taking all of the leftovers and we ordered too much. I'm not going to expect you to pay this much you kind of rely on the other person to carry the mental and emotional load of that kind of thing because otherwise it is extremely awkward for you to be like also you don't want to be like a social pariah you know like there are so many layers to it you don't want to be like hey I you are eating the leftovers this is your lunch this is your dinner I didn't eat that much you you just like there's no other option other than like paying it but feeling really annoyed about it and being a little bit resentful or being a social prior because there's, you know, like in an ideal world, everyone would be like, oh, that makes sense. No

worries. But if they were going to do that, you wouldn't have been requested to pay $28 in the first place. I feel. So I think there are only two options here and depends how close you are with your friends. I think I would pay it this time around. And then in the future, whenever there's any discussion of like hanging out and like buying takeaway or whatever, I'd be like, hey guys, I don't have that much money. So maybe you just buy whatever and I'll kind of like pay for my own. In that way, you can get your own food. You spend way less. They might realize how ridiculous it is to order eight meals for, hey, and some people can eat that. That's so fine. I like to, some people like to have options.

Absolutely. But you know, if they do do that, then that's on them and they're going to pay for that, you know? So I think in this case, you kind of just got to like, you kind of just got to do it. yeah I feel like you are well within your rights to send a message and say either hey like we only ate one firstly I can't believe you ate one of eight that's crazy I'm not sure what was going on there but that doesn't make any sense to me but you know we only ate one of the dishes like I just don't feel like I've eaten $28 worth of food could I maybe swing by and pick up some of the leftovers could be a middle ground so maybe you take some stuff home with you so that because

also one person's probably not going to eat the other seven meals before they all go bad either. Yeah. So I feel like that's like a nice middle point where like, okay, like I'm happy to like pay that $28, but like, I want to feel as though I've gotten my values worth out of that. So can I come pick some things up? I also think it's probably more important to set a precedent for future and say, Hey, like for future, when we're ordering, can we wait until everyone's together? You know, make sure that it's in a decision that everyone's happy with in terms of what we're ordering, the amount that we're spending, etc. Because yeah, it's not hard in this day and age to like call somebody or send them a message and say, oh, we're thinking Thai. Are you happy with

X, Y, Z? And then you can kind of, then you've got the opportunity to say, oh no, that's a bit expensive for me. I might pick up something else for myself or, you know, totally happy with that or whatever the vibe is. So I think also it's a really good opportunity to open up the conversation to do that. But I think you're absolutely, you're totally valid and fair to say that that doesn't feel reasonable to you because it doesn't feel reasonable to me either. I don't know my group of friends that's we're always really conscious of that stuff so maybe it's just not something they've ever had to think about especially if they're living at home they've probably got a bit more disposable income than someone like our listener who is living out of home paying all

their bills you know money's a lot something you're probably a lot more conscious of so it might just be that they need a reminder that that's not the situation for everybody and if they're a good friend they're really not going to mind they're probably going to feel bad hopefully and go, oh, I'm so sorry. I didn't think about it. Absolutely. Like, don't worry about transferring me the money or come pick something up or whatever. And we'll make sure that that doesn't happen again. Totally. And if you're kind of feeling awkward about asking to go pick up food, just maybe you could word it in a way that's like, hey, if you're not going to, if you're worried things are going to go off or whatever, I'm happy to take some food off your hands. And you know,

that kind of, you could do, you could frame it a different way, but yeah, it's a really, really good middle ground of taking some food. And then that way you can kind of justify it in your brain is like, oh, okay, I've paid this money and it has gone to my food, my dinner, my lunch. Yeah. But yeah, that's a real tricky one and could be very awkward, but I think it's, there's a way out. That's not, yeah. Your friends are your friends for a reason. I feel like we get a lot of friend dilemmas and I know that like socially we're conditioned to feel awkward to talk about money, but it shouldn't be. And if your friends care about you, which we're assuming they do because they're your friends, then it doesn't need to be a big deal. I don't think.

totally speaking of conflict though this week's dm touched on it as well and it is i think very timely okay everyone prepping for their big family lunches and dinners so our message said hey angels i really don't want to go to family christmas this year my sister is super successful and my parents won't stop talking about how she's flying home business class and buying them an expensive coffee machine she runs her own business and only seems to care about money while i've always chosen passion over pay. Every time we're together, dad jokes that I should be more like her or that she should give me a job. She's also made a lot of money investing in companies that I find questionable. I'm the politically odd one out too. They all vote for what makes them richer and it

always ends in snarky comments. I'd love to know how you'd handle this and what lines I can use if I actually decide to show up. This feels like my entire life. I think there are like, there's so many elements to it. And I always say to, you know, my partner, for example, who is like really, really money focused and like really does well with achieving her financial goals and, and all of these things. And she always just says to me, like, we're just different. We're just different. And I'm like, I wish that my different wasn't the inferior one. It's not actually, but like socially we're taught that that is the inferior one. And so it is really hard to talk your way out of that, especially when, you know, maybe you're talking to someone who does

value money as everything. How much money you have depends on how good you are as a person, how much value you hold. And like, unfortunately there are people like that out there and we just can't avoid it. And so when you're in this kind of situation and you're like, you know that you're happy, you're healthy, you have such a fulfilling life. And then you're talking to someone who is quote unquote different in the more superior way by society's standards, you're like, well, I don't know what to say here. Because you're like, you could argue that it's not all about money. You could argue all these things. And we all know that. People who know that, know that. But then you're still like, well, I'm on the

worst end of it. It'd be great if you had all this money and you are arguing that everyone's successful in their own way. Then you're like, cool, I have all this money, so I don't have anything to worry about. And also, I am allowed to say this, but when you don't have a lot of money and you're like everyone's successful in their own way it's like well you're saying that because you don't have a lot of money do you know what I mean does that kind of make sense yeah I totally mean and so it can be kind of like inside you just like this feeling of like urgency of like but also helplessness because you can't really get your point across you can't really be you feel like you can't be taken seriously and you know all these things there's so many so many layers

to it but um I think in this kind of situation when people say like if you're you know you're talking to your dad and he's like you should be more like your sister for some reason as you were reading that I thought it was going to say you should be more like your sister or she should be more like me and it was kind of like you're kind of taking bits and pieces from everyone's life and yeah we could all stand to be a little bit more like anyone you know I'm sure we could learn a lot from everyone in the world everyone's got room for improvement yeah but why should just you be like just her it's the money thing and it's like it's so exhausting at this point it's exhausting and so like I can understand why you don't want to go I guess like I'm trying to avoid

it but communication is everything but if you're surrounded by people who are not not seeing you and not understanding the the richness that your life has and richness comes from so many different things it comes from community and love and friends and romantic love and friendship love and all these kind of things and if they're just like boiling it down to literally just money something that isn't like an evolutionary part of our you know I'm just like it's arbitrary it's arbitrary it's so arbitrary so I think communication is key and then I don't know maybe like distilling it down and like asking them why they think this way and what they think richness looks like what they think happiness looks like and that you're a human with different values and they are just as

valuable. Yeah. So communication with it is sort of to burst your bubble, but that's maybe the answer. Yeah. It can be really hard when you feel like you're the odd one out on, you know, a political, because I think that bleeds into so many different phases of your life in terms of what you value, but also there's nothing worse that I've been in this situation where you're sitting at a table at Christmas time and you're going, do I buy it? Do I not buy it? I don't want to ruin Christmas, but also like, I don't want to squash my own morals down. It's a very tough situation to be in. And I wonder, yeah, exactly as you're saying, have you kind of raised with them what you raised with us? Like it's, I understand that exactly as you said, Beck, they're saying,

well, look at her, she's traditionally successful. But from what you've told us, it sounds like you're incredibly successful too. You know, you're working jobs that you're passionate about. You're doing things that are in line with your values. That's all really fantastic. And exactly as you said, money is so arbitrary. Like, yes, it can make your life comfortable, but some of the richest people in the world are the most miserable. And arguably I'd rather be happy than, you know, rich and really struggling. And I know it's not that simple, you know, obviously money is important, but yeah, I think that there is something in, if you haven't already, because I feel like perhaps you might have, but if you haven't already, letting them know how these conversations

make you feel, gently reminding them that there is more to life than those things, like a business class flight is great but you know there are so many other things in your life that you probably have going on that it equally is exciting to you you know have they seen that have they considered that I'm a big to go back to my example of the Christmas dinner table I'm a big avoider like I will just change the subject I know that that's probably not the right answer but um see the conversation away where possible from murky waters just to avoid a fight but yeah I think it's probably a bigger issue and it can be really hard if you're working against what feels like a unit where everybody else is in agreement in terms of their perspective.

It can feel really isolating for you on your own. So I just want to validate that. And I want to say, if going is going to be traumatic for you, it is also okay for you to not attend. I think there's a lot of pressure on people at Christmas time and a lot of, you know, Christmas is all about family and love and dah, dah, dah. And I know that you're like, yes, absolutely. That's true. But it shouldn't be to the detriment of your, your self-worth of your happiness. It is just another day in the year at the end of the

day. And if going is going to, to be emotionally taxing on you, particularly if you try to have like this type of conversation, I think, and it falls on deaf ears, that would be the point at which I would kind of be going, okay, well, is this an exercise that I want to participate in future because, you know, you also don't owe anybody anything. And as much as, of course, you want to spend Christmas surrounded by family and people you love, if that is going to be hard, I also think that if you, not that you need permission, but if you did want someone to back it in a little bit and say, that's okay. I just want to tell you that's okay. Completely agree. What did everyone else say?

Yes. So we asked the community over on Instagram and the responses poured in. So firstly, we said, what would you do if you were our community member? 29% of people said they would skip Christmas altogether. 30% of people said they would speak to them before Christmas, which we didn't even say that. That's actually a great idea. That is a great idea. Preempt it a little bit and say, Hey, like this is how I felt in the past. You know, I want us to all have a great time. Let's get it off our chest. Cause it's probably a little less emotionally charged than trying to have it, you know, over prawns on the Christmas table too. Totally. Then 22% of people said they'd pull a dress and keep quiet to avoid the drama.

And 20% of people said they'd go in ready to call out bad behavior. Next, we said, how aligned are your family's money values with yours? 43% of people said they're pretty similar. 7% of people said they're polar opposites. 35% of people said we agree sometimes. And 14% said no one even talks about it. Okay. Which is interesting.

That's probably a safe option, I think, for Christmas. Yeah. And then, of course, as always, we said to the community, what is your two cents first person said as the in quotes successful person in the family i find it awkward to discuss money and my family don't want to hear about it either self-aware queen next somebody said my boomer parents are slowly changing their minds and seeing the impacts that these things will have on the grandkids oh gorgeous i do think it is a generational thing i think our generation is probably more open-minded than the one before

them and before them yes and so hopefully like even if it is uncomfortable to have these conversations having them sometimes can really help to change the direction of those thought patterns totally progress for the future next somebody said if they risk the relationship by making jokes it's okay to risk the relationship defending yourself oh that's such a great point yeah if you're someone who doesn't like conflict i really like that take somebody else said i love my family but this vibe's really hard i try to bite my tongue and rotate through talking to different relatives to help somebody else said my brother-in-law is a trump supporter we've agreed to not discuss politics ever oh god it would be really hard sitting and i it is sometimes really

hard sitting across from somebody knowing that you disagree on something yeah fundamentally yeah especially something like politics where as you know we said it can it flows into so many different things like trump is an example like i personally this is my opinion think he's a vile person i don't agree with any of the morals that he stands for it would be really hard if i was sitting across from you back and you're like oh my god will trump like totally because i'm almost saying in a roundabout way and this is like not only the trump thing but like in other ways. Like if you really took away everything, you're kind of saying, I think you're less than me or is something like that in some way. Like, and that is like, if you know that you're sitting

across from someone who you think thinks that about you, it's really uncomfortable. And what do you do? Yeah, it is. It's so hard to think about. Somebody else said a joke is only a joke if everybody finds it funny and not hurtful. Yes, completely agree. Which I could not agree more with someone else said to be honest I offered to be on call this year to avoid big in-law drama at Christmas time so keen to be at home clever very clever and then lastly I want to finish off on this one which says if they weren't family and they were your friends instead would you go that's your answer that's a great point don't feel obliged no people feel obliged to do things at this time of year and you need to put yourself first and that's totally okay yeah completely agree it's

the one time of year where you should be seeing the people that you love the most and that might be friends that might be a partner that might be whoever but if you're not very happy seeing these people that you grew up with that's okay as well just do what makes you happy at the end of the day all the time i think it's a really great place to leave it i think you're totally right thank you guys so much for spending the week with us wishing you the happiest merriest most joyous christmas ever no matter what you're doing or who you're spending it with whether you celebrate or not know that our whole team we're sending so much love to you

and we're really excited to hang out with you again on Monday for a Money Diary. Merry Christmas, everyone. And if you're spending the day alone, just know that we are here right here with you. So have a gorgeous day

and a very Merry Christmas. Bye, everyone. 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

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