She's On The Money - Re-Gifting... Rude or Right?

Episode Date: September 28, 2023

We've made it to Friday and with J-Ric still jet setting, V shares this week's Money Wins, and Bec helps you save a buck with her Broke Tips. Today's Money Dilemma is both a celebration and a contentious one, as one of our amazing community members is buying her first home (woo hoo!) but is contributing significantly more to the deposit than her partner... This week's DM gets V dishing out some of the BEST advice around re-gifting, which may have you rifling through your cupboards in preparation for Christmas. 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, my friends, it is Friday, which means it would be time to get the team together, but Jessica is still in Japan living her best life. But it's time for Bec and I to celebrate you, our incredible She's On The Money community. Today, we're going to be sharing our favorite money wins. We're going to be helping to answer a juicy money dilemma, which this week is all about protecting yourself and your investment when you purchase a property with your partner, but your deposit amounts aren't equal. It's very specific. And we're going to be unpacking something that you slid into our DMs about. And this week we're talking what you do when

you've been gifted a gift voucher, but you can't afford to use it. I feel like this one had some really good responses from the community and I'm looking forward to it. But before we get there, Bec, it's just you and me, babe. I know, this is so interesting. We're just hanging out, having a cup of tea, doing a little potty record. How's your week been? My week has been very, very nice, very chill. Work's picking up a little bit, which is good because I've got to be honest. Make her work hard, Erin. You've got to make me work hard.

Yeah. Because I'll have imposter syndrome every single day of the week. No, not you. Not me, not me. No, but it was really good. And, you know, just the sun's been out and it's just been great. Oh, my gosh. Hasn't it been literally the best?

The best. Like, this is obviously dropping on Friday. Today's weather, stunning. Stunning. The weekend, stunning. Stunning. It's a long weekend this weekend. Stunning.

I mean, you're going to enjoy the long weekend. But I am actually, as we speak, Bec, I'm in Brisbane. I'm not actually because we recorded this the day before I left, but I'm in Brisbane. Whoa, Victoria. I know, crazy. What are you doing there? Oh my gosh, it's so exciting. We're running our very first health and wealth event with our friends at LSKD where we're

doing like a full like health session, like a workout, kind of like have some smoothies, have some health food. and then we're doing like a wealth event where I then tell you how to take care of your money. That's so fun. I think it goes so well together. So we're only doing one of them and it's in Brisbane at the moment. But if all goes well today, my friends, we'll be rolling out a few more of them because I think they'll be popular.

Yeah, Sikki, do you want to Melbourne? Oh, I will if it goes well. If it doesn't go so well, I'll be like, oh, yeah, we don't have the capacity. True, maybe we'll never speak of it ever again. Yeah, I'll be like, I don't know what you're talking about. But also like the health and wealth event. like those two words go really well together. That's true. So it almost has to be done just so you can think up those words. Exactly. How's your week been? It's been good. It's been very

good. I'm less nauseous. That's good. Which is stunning. Get this. I can eat food and it doesn't come back up. Oh, that's great. This week only. I don't know how long it's going to last. We're not going to like jinx it, knock on wood, all of those things. But that's the best. That's so exciting, V. I'm very excited for you. Stunning. So like, I'm excited to now go on a plane. I was terrified to go on a plane because that could have been a very awkward trip for not just me, for everybody else involved. There's nothing worse than when, not you, but someone in your, either your bus or your train or your plane is nauseated and unfortunately have to see the effects of that. It gives me anxiety as well. Same. Like if you've ever been pregnant, you know,

it's not just nausea. It's like consistent gagging. So I just sound like I'm going to be sick every two seconds. Exactly. You know exactly what it's like. Like I cannot wait. I know it's happening because Brooke is, she's the best video producer in the entire world hired by She's On The Money because you're also a video producer and I wouldn't want you to feel like I don't respect you, but I do. She's real mean sometimes. And I know she's been collecting over the last few months, all of those like little videos and snippets of me, like mid record that we've cut out like that we we cut out I know she's like piled them away we're not safe no we're not safe I think especially you you're especially not safe no and like I'm the easiest to pick on as well

like I feel like I just do a whole heap of weird stuff but anyway I want to get on to the show yes we have so much to get through today but first things first Jess usually shares here um her money wins and confessions from the group but guess what I'm in control again this week because Jess is not here. So we are going rogue and I got to pick them this week. Wow. I'm really excited about it. Are you ready? I'm ready. So first we have a money win from Kim. She said, I hit my 20,000 savings goal for this year. Sick. Are you joking? She did say money loss. My puppy ended up in emergency care on the weekend, but money win guys. Don't forget I've got 20 grand in savings. so I don't have to worry about that bill.

Oh, my God, that's great. I also really love her mindset around that. Like it's not like, oh, my gosh, money lost, the dog, like my savings are going to go backwards. She's like, look at this thing that I can lean on that is there for this exact purpose. Yes, this is here for a reason. Isn't that cool?

That's great. Adore. Also, she gets a special mention because without being prompted by me, she also uploaded this and it says, Also, VD will probably want to see a picture and it is a photo of her dog. She knows you too well. You know me. I love it.

All right. Money win from Mahalia. She says, started maternity leave today. Congrats. She said, it's a little bit earlier than planned, but I've been putting extra towards bills and stocking up on items for months now, which means we're at least six months ahead on a majority of our bills and rates. And I'm stocked up on all of the household items like washing powder, softener, dishwasher

tablets, liquid and pet food, which is going to be coming in handy on a reduced income soon. Great. I'm stressed about the reduced income part, but I'm trying to focus on the positives on how we've prepared so much to get to this point. Yeah, that's a really, really good idea. I didn't even think about, I mean, I'm pregnant. I'm the worst pregnant person ever. Like I have made no real big purchases yet. And the big purchases I have made are literally not even that exciting.

But like stocking up on washing powder and dishwashing liquid and like dishwasher tablets, that's going to cut down your grocery budget so much when you go to one income. Yes. And if you're shopping over a few months, you can get them all on sale. Yes. That's so smart. Really good idea.

All right. Jennifer, she's got a money loss this week. She had to purchase a new fridge. But she also gave us a money win. She's like, I'm going to counteract the bad with the good. She said, I was going to purchase the fridge at The Good Guys, but they were lazy and wouldn't get back to us with whether they had it in stock or not. So I popped on over to JB Hi-Fi, got free delivery, took the old fridge away for free,

and through my husband's job, he got 5% off purchases through JB Hi-Fi. So we ended up saving more than $250. Whoa, that's very good. That's a big money win. She's also, you know, added a life win in here, which I think all of us are going to be a little bit envious of. Are you ready? I'm ready. Life win. She's like, I didn't even have to clean the old fridge before with throw it away. Oh, yes. How annoying is it to clean a fridge? Defrosting a fridge, wiping it out. It's gross as well. No, thanks. No, thanks. No, thanks. All right. I've got two more for you, Bec. You ready? This one is from Renee. She said, I changed my home insurance, saved $400. Wow. Then girl-masked myself into buying a Dyson Airwrap because they're on sale everywhere.

You got to. You got to get it. I appreciate that, Renee. And then we have one last one from our friend, Mary, and she said, for the first time in months, I haven't had to dip into my savings. Isn't that so good? That's really cool. Good on you. Get it, Mary. Yeah, that's great, Mary. I feel like that's so good. That's like a positive money habit that I feel like so many of us struggle with, especially at the moment because we're in the middle of a cost of living crisis, and I swear everything is 50 times, not exaggerating, more expensive than it used to be. Yeah, so true. It just feels that way.

I bought grapes the other day, $12 for like a little bunch. No, I feel like I saw a meme the other day and it said $100 is equivalent to $1 in adult. And I was like, that's how it feels. Yeah, that's true. That's how it feels. And I was like, that's gross. Yeah. I'm actually curious to know how much you'd get for a dollar back in like 20 years ago.

I don't know. I can calculate it for you. I mean, I'm sure you probably could. I could absolutely calculate it for you, but we're not going to because it is time to do Bexbroke tips. What have you got for us this week? Okay. So this week I have one broke tip. Sorry, I have my two broke tips here and then I've got one for myself. Okay. All right. But like the first one. The first one is what I'm trying to

say. Thank you, Victoria. So my first one comes from Jane who says, I buy movie vouchers through shop back money I've earned. So when you're having a poor week, you can still go to the movies, which I think is a really cool idea. It's maybe something that like, sure, if you're like a little bit broke, it's not like your top priority, but it is also nice to do things that make you feel good if you don't necessarily have a lot of money coming in or you can't do those little things. It can be really hard for your mental health to be like, I actually don't have money and I can't do anything. I feel like that's a really good one too, because Shopback's basically free money. Like if you're using Shopback on your purchases, it's cashback that you wouldn't have otherwise

gotten. And a lot of our community like using it as kind of like a cheeky little savings account, kind of like to the side for splurges. Because obviously, like if you can't afford heaps, you're not going to pay for movie tickets as well. But like they feel free through Shopback. So I feel like that's good. And also like if you pre-purchase them, you kind of have something to look forward to as well. I like it. I like it.

So true. And maybe instead of going out and being like, oh my gosh, I've got to take my partner or my friend out for dinner or something, you go to the movies instead and spend $0 instead of spending your last $50 or whatever it is. Also, I don't know if you've ever done this, but when I was in uni, I used to put my dinner in a Tupperware container with my housemate and then we'd go to the movies and I'd obviously take my full handbag and put my dinner in the bottom of it, but we'd have, like, dinner and a movie, and that was, like, genius.

That's very genius. But obviously we also went on cheap Tuesdays, so we got, like, the two for one because obviously we're not paying full price for movie tickets in this house. Of course. Absolutely not. So we'd, like, package up our little dinner and have, like, I don't know, a, like, movie theatre picnic.

They probably won't like that. Like, don't come at me, Village Cinemas. I'm really sorry. Oh, true. I forgot. You're not meant to do that. But, like, kind of for gold class and table service, so I DIY'd. Totally, totally.

Under the table. Don't tell anyone we said that. Good idea. All right. Next. What else have you got for us? Next one is from Mindy who says, learn to tint your own brows. It is so easy.

Draw an outline with pencil. This is kind of like more so for any kind of, I would say, maintenance. It's still also something that you wouldn't prioritize if you are really, really broke. Yeah, absolutely. But this is going to save some money. This is going to save some good money. It's going to save some good money. And it's not only for eyebrows.

It's for, you know, learn how to do your own hair. Oh, I was about to be like, what other hair are you tinting? You know, you can tint your arm hairs if you want, in any way you want. Learn how to tint, learn how to cut, learn how to, and I know like, you know, I don't know if you know this or not, but I've never been to a hairdresser, so this mullet. I'm quite aware.

I'm quite aware. Not because I can tell, that is a stunning mullet. Thank you so much. In fact, you look like a stunned mullet. You have bragged on the show a few times about DIYing hair. And do you know what? I'm surprised you still have some. Exactly.

Don't be scared. Don't be scared to learn how to do your nails. I don't do my nails, but if you did do your nails, learn how to do yourself, learn how to tin your eyebrows yourself, learn how to do a little wax yourself, all the kind of like beauty, maintenance, all these kind of things. All right, Bec, I want to know what is your broke tip of the week? Okay, so mine, probably as usual, is a little bit rogue and maybe not all that relatable, but not relatable content.

I love it. Let's put it on a podcast and send it live to the 1.6 million people who listen. That's a really good idea. That's a really good idea. That's what I was hoping to do today, actually. Yeah, great. I was talking to our fill-in producer, Indiana, yesterday, and I was talking about how we were both talking about how we go to the gym

and we use the showers, we use the hair dryers, we use the little moisturizers, tampons, pads, all this stuff. At your gym, I pay $13. You're already paying for your gym membership. Yeah, I pay $13 a week. And also it's a really good way, like if this is more so for saving on utilities, like energy, water, literally, if you do it for long enough and if you do it enough times, it will have an impact.

I mean, if you don't shower at home, you're going to save a lot of money on water. Exactly. And it's a really good way to get you out of the house and maybe go to the gym if you didn't want to go to the gym. But you're like, I want to save money on essentials. That could be moisturizer, pads, tampons, a hairdryer, everything. They have everything there. Okay.

So I can and will save money on doing my eyebrows and I can and will save money doing, you know, my own pedicures and manicures. You are not going to get me in the gym. Have fun. What if you couldn't afford a hairdryer and you're like, but I do have a gym membership. Maybe I'll just go and use the gym's hairdryer. While you're there, maybe I'll do. I'd cancel the gym membership and buy a hairdryer.

That's actually a very good idea. That's a good way to do like two things in one. You know what I mean? If you're going to go to the gym anyway. If you want to hate yourself and go to the gym, you do that. Exactly. And take advantage of their utilities, water, energy, electricity, everything else. Genius for those who are interested.

Exactly, if you're interested. Also, if you're – this is also a little bit more rogue than that. If you're in a camper van and you're driving around Australia, very relatable content, and you don't want to, like, get an Airbnb or a hotel because they have all the air. Well, you have a camper van. You do have a camper van. But if you wanted, like, a night of luxury or you wanted to have a good shower or something like that, this is also where it would come in handy. You have a nice hot shower in a gym. Anyway, that's my. But do you have to pay for the gym or have you got like one of these

memberships where it's any club in Australia? Yeah, I use Anytime Fitness. I think I should say that just in case. Yeah, no, give them a little plug because you're abusing them enough that they probably deserve the free advertising. I should be paying their utilities at this point. I couldn't agree more. All right. Well, let's go to a really quick break because on the flip side, we're going to be talking about a money dilemma of how to protect yourself and your investment when you're going to purchase a property with a partner, but you don't have equal deposit amounts. And we're also going to be unpacking something that you slid into our DMs about this week. We're talking about what do you do when you've been gifted a gift voucher that you can't afford

to use. So don't go anywhere, guys. All right, Bec, we are back. Let's have 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 hello she's on the money um question what can you legally do to protect yourself when purchasing a property with your partner, significant other, husband, et cetera,

if you have deposit amounts that aren't equally matched? For example, if I put in 80% of the deposit and they put in 20%, what can be done so you can protect your assets if that relationship doesn't work in the future? Thanks. This is a good one, Bec. What would you do? She said legal.

Legally, what can you legally do? not what would Beck actually do? What could you legally do? Oh, I was going to give only illegal advice. Yeah, that's why I was disclaimering it. Yeah, that's probably a good idea. Well, in that case, I have nothing. You, like, start a fight.

Start a fight, break up, and you don't have to deal with it. No, that's not the case at all. I'm just kidding. Because if you're trying to separate it, you probably have broken up Beck. Right. So we're forward planning. What's your exit plan? What's your exit strategy?

Gosh, you know, V, I – Do you want me to just take the reins on this? Because, you know, I'll probably never find myself in this position. So I'm happy for you to take this. You will. So first things first, we need to do a few things. One, we need to have open, honest conversations about where we're going and what we want to do. So if let's pretend it's around $100,000 and you've contributed $70,000 and your partner

has contributed $30,000, that is a significant difference in deposit amount. Like we're not talking about $2,000 or $3,000 where it's kind of like here or there in the grand scheme of things, it all comes out in the wash. Like that's significant. are you going to be splitting the mortgage in the same percentages or are you just going to be 50 50 after that if so if you're selling the house will you be getting that seventy thousand dollars back before profit what does that look like are you going to purchase the house and then if you know your exit plan is no worries we'll leave when we get our deposit back we'll split it

equally why would you do that if you contributed literally 70 and they contributed 30 so think it's important to have that open, honest conversation first. Yes. You could take it a step further and get what's called a binding financial agreement, which I think is really important, especially if you're like, oh, I don't really know. It's never going to be 50-50. Like it just makes you a little bit more financially secure. And I think that's really important. The other thing is understanding property ownership and that there's not just one way to own a property. So the first thing that popped into my head was, are you going to be tenants in common or are you going to be joint tenants? So if you're a joint tenant, that means that

each owner has an undivided equal share in the whole amount of the land and the premise of one means that their share passes to the other joint owner if they passed away. Like Bec, you and I are in a relationship. We buy a house together. I die yesterday. It means it automatically becomes entirely your house. Is that how it's going to work? Is that what you're comfortable with? If So that's fine. But the flip side is tenants in common. And that's where each party has a very well-defined share in that property and in the land. And it could be, you know, 50-50 or it could be that 70-30 that we were talking about or any other percentage. So it really depends. Are you going to be going equal on the mortgage repayments and like who owns the house? Like, you know,

you might have contributed 70% of the deposit, but do you own 70% of the house? Right. What does that conversation look like how does that work where are we going with it so I think it's really important to have these open honest conversations of like okay like hypothetically if we break up and it sounds bad because no one wants to talk about breaking up right but I think the best time to have these conversations is when everything's sunshine and roses like yes we're so in love together yes I want the best for you and you want the best for me why aren't we making those decisions and putting them on paper now where I go no if we broke up I mean if you cheat on me beck we gotta have a fight but if everything worked out and our relationship hasn't this is

what i would want for you and you go yeah okay that seems fair yeah let's do it when we're level headed and still in love and want the best for each other because to me that's the kindest outcome and also those conversations suck when you haven't had them and now you're trying to have them with a partner you don't even want to answer text messages from so i think it's important to i guess, be open and honest. Like if you're at a point where you're buying a property with a partner, protect yourself. And I mean, you said protect yourself and your investment. It's an investment. We don't put money in to hopefully get less back. So put it in, put a plan in place and, you know, sign off on it. Even if it doesn't, and I don't want to say, even if it isn't legally binding,

because all of the estate planning lawyers in my DMs will blow up at me. But sometimes we just don't have the money to pay for an estate planning lawyer. So at least, at the very least, have that open, honest conversation and go, well, Bec, this is what I would do. Yes. Does that make sense? That totally makes sense. Let's just be kind to each other. Yeah. And also congrats on getting to a point where you have a deposit.

That's big dog, isn't it? That's really, really cool. That is very cool. All right. Moving on. Okay. I'm so excited for this. Are you actually? Yeah, I'm really excited. We have a DM and I'm very excited about it because every single week someone slides into our DMs about what to do with a bit of a dilemma. Sometimes it's spicy, sometimes it's not.

This week we received a dilemma and it sounded a lot like this. Hi, she's on the money. I have a money dilemma. My friend kindly gifted me a $100 gift voucher to a very, very fancy and spano spa for my 30th birthday. That's nice. However, every treatment is way out of my budget. So I just thought, you know what, I'll have my eyebrows done. Well, the voucher comes with terms and conditions that say the minimum treatment is 90 minutes

and it needs to be used within six months. The cheapest option would actually leave me out of pocket by more than $160 once I've used the voucher. I simply can't afford this right now. What do I do? Give the voucher back to her? try to sell it on Facebook Marketplace, or do I just let this blow over and just waste it? I'd hate to waste her money, but it's honestly not a priority right now to contribute so much

money to a massage. I totally know this feeling. It's like, you know, when you get any package ever and there's like a hundred dollar naked wines battery there and you're like, oh my God, if I use this and you go online, you're like, oh, I have to spend at least $7,000. as $2, you know, and so it's the worst. And so it's like, okay, this is actually useful to me. But imagine if that was your 30th birthday present as well. Yeah. And you don't want to like, you want to use it, but 160 bucks is a lot of money. Maybe like, I would say sit on it until maybe a month or two out of the actual expiration thing. And if you still can't afford it, then I would just have a nice,

honest, open conversation with the friend and be like, this is the situation. I want it to be used and I want maybe you to use it. Yeah, that's kind. I think it's kind. Or maybe your friend will be like, oh, I'm so sorry. I'm going to give you $160 and you can go get a nice treatment done. I mean, that's how I'd solve it because I'd feel bloody awful. Yeah, I'd do the same. I feel like, I don't know, I've got a bone to pick with the spa. Why are you selling $100 vouchers if you don't even have a service that's $100? True. What the hell? I didn't even think of that. Like, why are you putting terms and conditions on it?

I can almost guarantee that, Bec, if I went, oh, I'm going to buy Bec a $100 voucher to a spa, in my head, you'd just be able to use that on whatever you want. I would be mortified to find out that they then put a 90-minute cap on it and then you had to spend more. That wasn't the purpose of me giving you a voucher. I wanted you to go to have a really relaxing time on me, not have a financially expensive time on me. Do you know what I mean? I feel like that doesn't make a lot of sense so if you're confident enough I'd pick up the phone and just have a conversation with whoever answers like obviously you're calling the spa I didn't disclaimer that but call the spa and be like hey like why like what can I use the hundred dollars for like it's not

within my budget you know could I break it up could I actually use it for this eyebrow wax I know your terms and conditions say 90 minutes but that doesn't feel like it's in line with fair trading if we're honest like I don't want to be that Karen but like I also go that's not very fair because also if they do offer cheaper services hey like I feel like that's quite reasonable you're not missing your money like my friend paid you $100 I in turn got this voucher I would now like $100 worth of services if an eyebrow you know wax is $30 let's say can you just break it up and give me three of those or forfeit the extra $10 yeah like you know what I mean like maybe try and negotiate it like I can completely understand that the terms and conditions

might say that. I don't think that they stand up because that feels a bit dodged, Bec. But yeah, I would do that. But in saying that, let's pretend that's all kosher. Sure. Honestly, I wouldn't say anything to the friend at all. I don't feel like this is their problem. Yes. I also wouldn't want them feeling bad. But for me, if I gift you something, Bec, I would never be offended if you re-gifted it. Right. Like if it doesn't serve that purpose. But the gift I gave you served the purpose when I gave it to you and it was to make you feel thought of and you know you feel special and you you know might use it or might not but ultimately I'm giving you a gift because it's a act of kindness from my behalf going hey I really want to show my gratitude

and how much I love you and here's this gift did you feel like you got that out of that gift when your friend gave it to you yeah you probably that's a good question I think that that would why do I need to keep the gift yeah true true true why does it matter what I do with the gift You wouldn't resell it, you would re-gift it. Oh, no, no, no. Like you could sell it, you could re-gift it. I don't mind what you do with it, but the purpose of the gift happened. Yeah, okay.

Like it wasn't, oh, she didn't even care, she doesn't have it. Well, I gave it to her, she felt appreciated. You know, if you really want to get in the nitty-gritty when you post it on Facebook Marketplace, hide it from your friends when you post it. True. That just feels like the smart thing to do. But I think it's one of those things where the gift did technically serve its purpose

and that's why I'm such a fan of, I guess, re-gifting. Because if someone gifts me something and it's a really thoughtful present, pretend it's my favorite candle. Like I've got a favorite candle, lol. And I know what it is. Do you know like the Marco & Co candles? It's like beachy one. I don't know, but I'm writing it down right now just in case.

Anyway, my favorite candle ever, but let's pretend somebody gifted me that. I've already been gifted like two of them. I've got them in my drawer. Do I add it to that and just let it sit there? Or when your birthday comes up, Bec, do I go, oh, my gosh, this is my favorite candle. Bec's going to love it. I'm going to give her one.

Yeah. The gift for me served a purpose. I feel really heard from my friend. I feel like my friend really thought about me, but also that gift serving another purpose in that I don't have to buy a present to give to someone else. Yes. So you could re-gift it. You could sell it. You could, you know, call and negotiate, but I don't think your friend needs to be involved because your friend was just trying to do something really nice. And to be honest, if you came to me back and said, hey, the voucher that you gave me can't do anything with, I'm just going to feel bad unless you want to have that conversation and you're really close to them but that's my take

yeah okay wow we're on completely different ends of the spectrum here I know but like also I think I'm a bit more I don't know fluffy when it comes to gift giving because I think it's really about the act of gift giving not necessarily the outcome it's like the thought that counts right yeah so like why is the thought not counting here yeah that's true so very good point we did ask the community what did they say we said what would you do if you were in this situation 37 percent of you said, we'd give the voucher back to our friend. 48% of you said, we'd sell it. And 14% of you said, I'm just not going to use it. I'm going to let it go to waste. Don't do that. I see.

Don't let something go to waste. Yeah, try not to, but you know. The next question we asked was, if you found that your friends sold a present, you gifted them on Marketplace, how would you feel? 30% of you said, I'd feel upset and angry, even if I knew the situation. I think you need to have a hard think about your values here and why you even gifted it to them in the first place. Oh, true. Yeah, yeah, yeah.

I think it's, I don't know. Yeah, that's fair. I mean, I can see both sides. I can totally see both sides, but, like, I also am very much like it's the thought that counts. Yeah. Yeah, definitely. 70% of you said, I'd understand given the situation.

Hmm, hmm. Fair. We said, do you think it seems ungrateful to give a present back? Nah. 38% of you said yes. And I agree. I agree. I wouldn't give a present back.

I wouldn't give it back. I would find another purpose for it because I don't want you to think that the thought wasn't worth it. 62% of you said, no, I don't think it's ungrateful. We then obviously opened our DMs and said, give us your two cents and here are some of the responses back. So someone said, isn't there rules on how long gift cards need to last now? Yes. True. Yes. They can't expire after six months. Oh, can't expire even better. They can't. Well, they've got your money. Right. Like you can't be like, ha ha ha, it's not going to work after this amount of time. True.

Someone said, I think offering it back and kindly explaining before selling it would be polite. Great. She could re-gift it to someone in her circle that knows she could use it. Perhaps somebody who they know already goes to that spa. True. Or to stand outside the spa and be like, you want to do a hundred bucks off your treatment today?

Yeah, exactly. Stand out the front and be like, hey, I've got this voucher. Are you going in there? Yeah, have this. Someone who looks nice. Yes. Yeah, absolutely. It's like when you give your parking ticket to the next person.

God, it feels good. It's like my favorite thing to do. All right. Next, someone said, we need to change your mindset, my friend. I'm your friend. She said, I don't have many friends, but it's all about open and honest communication in this circumstance. You've got enough friends, I promise.

Next, someone said, let it expire or let them know that the terms and conditions suck. She might not have known and gift it to somebody else too in the future. Ah, that's a very good point. Because if, Bec, you pretended to love the gift that I gave you, I'd be like, that's sick. I'm going to get it for Indy when her birthday comes up. And then Indy's like, fuck, she got me one of those gift vouchers that you got that you just can't use.

Yes. And then you're bitching about me behind my back. We would never. No, you wouldn't. But you would just start this whole cycle of just giving this gift, everyone. No, it's true. Someone else said, if she's a true friend, she's going to understand. Just talk to her about it.

Someone else is on the same page as me and said, ring up the spa and tell them that they need to be flexible with their terms and conditions. Seriously. Someone said, ask other close family or friends if they would like it so it doesn't go to waste or ask for an extension, which I think is very fair. Extension nonetheless, like six months is not enough time. Someone else has said, and I'll give you two more of these, I'd re-gift it to someone in a better financial position. I'd give it to my mum or something like that. And then someone said, sell it or gift it to someone close to you. Just pass on the good vibes. That's what it was for. Totally. And I like that because I just feel like when you're giving

a gift, it's the thought that counts. Thought that counts. Exactly. Like let's pretend I gave you a mug and I go, Bec, I picked this mug because I thought you'd really love it. But then it turns out you just drink out of drink bottle and you're never going to use it. Does the thought go to waste there? I don't think it does. No, never. So if you re-gifted it, you'd be like, well, it is a really nice mug. Totally. I'm just not going to use it. And arguably opening a gift is It's so much funner than usually the gift itself. Yeah, exactly. And also, is it not a gift that I just saved you money

from having to, like, buy your other friend another present? Exactly. You are welcome. I love that. You are welcome. Don't say I don't do anything for you. Re-gift all the time, especially coming up to Christmas. Maybe go through your cupboard.

What haven't you used from Christmas last year that you can add to Kris Kringle this year? Genius. Great idea. What have you used even that you can use? No, Bec! Maybe better. There is a line.

There is a line. There is. All right. Unfortunately, I do think that is all we have time for today. So, Bec, have the best weekend. You too. And we'll see you guys on Monday. Bye, guys.

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