She's On The Money - Share House, Shared Costs?

Episode Date: February 9, 2023

Hey hey it's Friday friends, and boy are we ready for it! Join Victoria, Jess and Bec as they unwind by celebrating ALL things community! They share your money wins and losses, and answer a money dilemma about whether you are ever too old to work towards your financial freedom. Plus if you've ever lived in a share house, then you will know the ALL too common pain of that 'stingy' homie who always wiggles their way out of buying toilet paper. Or maybe that 'selfish' housemate who hides the olive oil in their locked room?! You slid into our DMs this week about it, so the girls talk sharing costs in a share house! 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, my friends, which means it is time to get the team together and celebrate you, our incredible She's On The Money community. Today, we'll be sharing our favorite money wins. We'll be helping to answer a juicy money dilemma, which this week is all about if you're ever too old to become financially free. And we unpack something that you slid into our DMs about, all about sharing costs in a share house. Team, welcome. How has your week been? Hi. Hello. How are you? Good. How are you? TGIF, guys. We're done here. Okay, cool. See you

you see you later. See ya, bye. I said, how are you? And you both introduced each other. You were like, oh, hey, Bec. Oh, hey, Jess. Like, hi, over the other side of the table. Oh, Victoria's here. Did you know that? Oh my God, no, I hadn't picked her up. I'll just see myself out. How are we this week? Has anything interesting happened in the community? Has anything interesting happened in your lives? Bec, I feel like you have something to share about iPantry. Oh, I'm big time a fan of iPantry. I discovered it not long ago and just got back into it. I hate cooking and I ordered a big box of individual sandwiches and little snacks and it didn't break the bank and now I'm done for the week. I don't have to cook ever again. Jess and I learned about this just before this episode

because you were eating what looked like a very tasty panini and we were like, where did you just whip that out from? Because I just ate some two minute noodles and I guarantee, guarantee like I We'll put money on the fact that Jess is like, maybe I'll get a cheeseburger on the way home. She'll get six nuggets, sweet and sour sauce, a medium chips and a medium Coke but not Coke Zero because Coke Zero tastes like trash. She'll get a full fat Coke. Am I wrong?

Is that right? She knows my order really well. Oh, my God. Not just at McDonald's, at multiple restaurants. Oh, my goodness. Yeah, yeah, yeah. I'm all across this. I actually pride myself on knowing other people's orders.

But you taught us about iPantry and I was just shook because your panini looked really good and both of us, we're trash demons when it comes to what we put into our bodies most of the time. And you were just like, here's this gourmet panini that I got that I would never, ever, ever make for myself. But it's basically like a catering website, right? That you go on and you go and order four pack of like paninis and then have them for lunch. You're a genius. Yeah. And then you can get some of those ready-made meals, like, you know, YouFood's dynamic and you don't have to like subscribe to anything. You just grab a bit of

this, grab a bit of that from the comfort of your lounge. I am so impressed. This isn't sponsored. we're just impressed. No, it sounds like it is sponsored. Honestly, we're just impressed. No, we're not being paid to do that, but yeah, we're just impressed. But Jess, let's get into community money wins. As always, we do a quick whip around of your favorite money wins of the week from our weekly thread. What have you got for us this week? My first money win comes from Jess, great name, who said money win. Wonder what her Macca's order is. Hopefully six nuggets because we're now one person because we share a name. It's the only option apparently. Nuggies or bust. She said started my diploma through TAFE's fee-free courses. So I have saved $7,000 and don't have

to pay a cent. How good is it that most TAFE courses are now free in Australia? I keep seeing posts coming up that they've added more courses or more industries. Auslan got added, so we could go and learn Auslan. I saw that. I actually looked into it right now. There's only one place in Melbourne that offers it, which was a little bit sad, but I'm hoping they add more. Can you do it remotely or do you have to do it in person? I don't think so. Not from what I saw, but I thought that was really incredible because I would actually really love to learn Auslan. Yeah, same. I just don't have enough time at the moment for in-person classes. Yeah, agreed. But the second I saw it was free through TAFE, I was like, wow, this is so exciting. Yeah, jump on the TAFE website. See if

a course you're interested in is subsidized or maybe free because that's incredible. Yeah, upskill. We love it. We absolutely do. My next money win comes from Gabby who said, money win. My work pays for me to have Qantas Club and I fly very regularly for work. So you can bet I'm at the airport stupidly early for every flight, saving on cash and that grocery bill. This morning, I got my $7 cappuccino for free. Yeah, money win. Do you know what? That was one of the things that I found really impressive because obviously I pay extra for oat milk every single time. Free at the Virgin Lounge. Really? That's so cool.

Free oat milk lattes. We love the Virgin Lounge. And they've just added oat milk and I'm very happy about it. Oh, exciting. I would like to think that that's because they listened to us, Jess. We single-handedly brought oat milk to the Virgin Lounge in Melbourne. For sure. 100% that was me. You're welcome.

100%. My next money win this week comes from Marissa who said money win. Me and my long-term partner of seven years are finally able to have a healthy conversation about finances and it's all thanks to the podcast. He has to listen to it when he's in the car with me. He has to listen to it. And he's becoming far more open. It's a step in the right direction together.

Oh my gosh, love. That's cute. I also loved the idea of him being, like, held hostage in the car. It's just me talking to him. Like, you're going to learn about compound interest, Greg. Hi, Greg, or whatever your name is. We love and appreciate your listening. My next money win this week comes from LJ, who said,

I recently started using Sharesies after a long time of debating whether I should get into the share market. Thanks to She's On The Money, I finally feel confident too. After using ShopBack for all of my Christmas shopping, I'm now withdrawing my cash back and putting it straight into my Sharesies. feeling like i can finally finance is it kind of cool that you know our biggest supporters of the show are basically making our community rich that's so cool and i thought it was so smart that she's like i'm gonna get my cash back here and then i'm just gonna put that money straight

in i was investing by shopping they're a genius it's like a little ecosystem how clever is that love love love love and then my lucky last win this week comes from theresa who said small money win the cobbler I went to for the first time did the wrong repair on the pair of sandals so gave me $20 back I also got five pairs of shoes that I loved fixed most of them were second hand so I've extended the life of all of them which means I'm spending less money on buying new shoes in the future and I'm helping to reduce waste money win I would never think to go to a cobbler like I would just oh really no same I was thinking that too I was like cobbler cobbler yeah I was just like that is so clever that is really clever I feel like that's how some of my shoes have lasted 10 plus

years yeah is I get that it's called topi it's like a rubber sole put on the bottom of shoes and if I buy like a pair of boots or something I always get it put on because I feel like they last longer and then you can just get that rubber piece replaced when it wears through really smart and the shoes are already broken in you don't have to break in a new pair that's actually so smart like if you find a really nice pair of boots or something at the op shop and you're like, oh, the soul's bad. You can fix that. Genius. How good. I feel like they're genius money wins this week. They're making money, they're investing, they're fixing clothes. Saving the environment. You know, it makes money win a five pantry. Honestly, I feel like I'm set

up for a very productive week. It's got a good feeling about this. 100%. Let's go to a really quick break. And then after the break, I want to talk about our money dilemma about whether you're ever too old to become financially free. And I want to jump into the juicy conversation about how to split costs while living in a share house. There are some horror stories to come out, I am sure of it. Don't go anywhere, guys. Welcome back, everybody. I think it's time that we jump straight into this week's Money Dilemma. Should we take a little listen? 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, my name's Angela. I am 47 years of age. I only have super. I don't have any investments or property. I'm just wondering whether you think I'm too old to become financially free from the perspective of getting enough investments and property to be able to stop working. And how long this would normally take feels like time has already passed. So just wondering what to do next. We'd greatly appreciate your advice. Thank you. I feel like this is a good one to handball straight to that side of the table.

Oh, great. I see what we're doing here. We're not pulling our weight as the shoes on the money team. No, there's no such thing as too old. And I feel like any step in the right direction is a step that is going to help you become financially free in the future. And we hear this a lot, actually. It was the most wholesome. I think you commented on it, Jess, a couple of weeks ago. There was a group of people commenting in the group saying like, oh, I'm 52 and I've just discovered this podcast. I'm not for you. And I was like, you are for me. If you resonate with this content, this podcast is for you. And there's no such thing as too late, to be honest. Like I have worked with women in their late 60s who are preparing themselves for retirement. And I think

that, yeah, any step is a step in the right direction. As women, we retire with 42% less super than men do. And I feel like anything that we can do to bring that a little bit closer or put us into a situation where we're not going to experience any type of poverty during retirement is a step in the right direction. And I mean, at 47, I have no idea how much you earn or how much you spend or what the facts are. But what I can tell you is even if it's $10 invested every single month is a step in the right direction. Because I'm assuming if you're caring about investing, what you're also caring about is the rest of your financial house. You're caring about having an emergency fund. You're caring about your budget and cash flow and having all of those ducks in a

row. You're caring about your personal insurances. You're caring about what your superannuation looks like and whether your fund's performing for you. And all of those things are going to put you financially ahead. But then also, if we look at where you're at in life, you're only 47. you're still so young like it's 18 years before officially you can retire but most people are retiring at 70 75 these days like they're always saying things like 70 is the new 60 and stuff like that because how many women are actually staying in the workforce by choice like they might be able to retire but they're like I don't want to retire what else I'm going to do I might just work part time or I might just have the financial freedom to do whatever I like so I feel like any step is a

step in the right direction. But if we even just do a little bit of simple compound interest here, you're 47. Technically, retirement age or the age that you can access your superannuation with absolutely no tax is 65 years old, which is called your preservation age. And at this point, that's 18 years away. In another podcast episode we did recently, we said that the ASX Top 200 index fund had an average return of 9.3% over the last 10 years. So let's use those maths and have a look at it. If you deposited $1,000 into an investment account today and then every single month, because you are 47 and you're heading towards retirement, so you want to take it a bit more seriously. We're not talking 50 bucks here where you might go, all right, well, I want

to put $500 aside each month. And this is just an example. It can scale up and down and you guys can go to the moneysmart.gov.au website and have a look at their compound interest calculator to do your own predictions, but at an initial deposit of $1,000 and then $500 each and every single month, you could be putting yourself in a position where you have an additional $282,000 to retire with. Amazing. That's 100% worth it given most women retire with less than $300,000 in their super account. You could literally put yourself in a position where you're double what the average is. How good is that? I just feel like so many times when we're talking about wealth or whether it's

too late. People extrapolate it out and think we need millions. Do you know how much $280,000 for you in retirement? So much. It is the difference between poverty and actually being able to live a life that you deserve. We're not talking about having to have hundreds of thousands of dollars of income. And while a lot of examples in She's On The Money use that, it's because it's motivating to a younger demographic to get them to take financial literacy seriously. Because if I said to you, Bec and Jess, oh, you could be 200 grand better off. You're young. You're like, whatever. My friends saved 200 grand for their first house. Like you just don't care as much as if I said, Bec, do you want to be a millionaire? Like it's clickbait. I'm using it to my advantage to make

people take financial literacy seriously. But at the crux of it, being $280,000 better off in retirement is going to be life changing. And I promise that. So no, it is never too late to take financial literacy seriously. And Jess, you can probably chime in here, but we see it all the time in our community. Women who are closer to retirement age saying, oh my God, I just found this podcast. I'm better off. I just found this podcast and I now understand my super for the first time in my life. Or I now have an emergency fund and I didn't before and I feel so much more financially free. Financial freedom means different things to different people. It's not necessarily becoming a millionaire and being a big dog because that's not even what I think is feasible for most

people. Yeah. And if you're in the position like Angela and she mentioned that she was looking at hopefully maybe retiring a little bit early and wanting to get into property investment, do you think it would be worthwhile her reaching out to a financial advisor to get some professional advice around that? 100%. Over 18 years, you have so much power and so much time and there's no such thing as too late. I met somebody the other day who was 55 and at uni because she's changing her career. Isn't that sick? I love that. Isn't that sick? She's like, no, I always wanted to be a paramedic and I just decided I'm healthy. I'm at a stage in my life where all I'm doing is regretting having not become a paramedic. And she's like, I've got at least 10 years in me

before I even think about retirement, before I even become that age. And she's like, I'm really fit. So I reckon I've got more time than that. And I was just like, how cool is it that there's this 55 year old who's back at uni, who's probably got so much more life experience than anyone else in that course at this point in time. Like what an asset. Honestly, start seeing yourself as the asset you are instead of feeling like a burden, which I think a lot of women, once they pass their quote childbearing years, they feel. And I'm not saying that because I believe it. I'm saying that because I have experienced women talking to me about like, oh, I just don't feel like I have direction or we should have done this when I was younger. Do it now.

The world doesn't end when you retire. You're like halfway, a little bit over halfway through your lifespan, which is crazy, isn't it? People are now living to a hundred. And we actually, as financial plan, when I was a financial planner, used to go to conferences and stuff and be talking about life expectancy. And it used to be 82 years and it's just increasing. And as the medical world, you know, progresses, it's just going to increase even more. And I find it super interesting because I went to a conference a while ago and one of the speakers said, recently a baby was born that is going to make it to 150 years old wow we don't know who that is but based on predictions of what our longevity actually looks like and progression in science

and progression in technology there is literally someone on this earth that's going to live to 150 that's crazy right that's incredible having to pay for their retirement that really is so interesting but i want to wrap it up because i am so keen to talk about this week's dm conversation because it's happened to me and i want to talk about it same i feel like this is gonna get really heated because i've never had this conversation with beck either all the stories and i feel like maybe beck have you had a little bit of a nasty sharehouse experience in your time oh i've had some interesting ones yeah all right so here's our dm It says, hi team, hoping for a little bit of help with a tricky share house situation.

I'm struggling with feeling like I have a housemate who doesn't contribute regularly to shared household items. For example, toilet paper, washing liquid, cleaning products, etc. Any idea on how to approach this? We pretty new living together, so I just don't want it to be awkward. What would you guys do? You have to set the boundaries early because this is a mistake that I have made in the past is you let it go. And then in my situation, there was three of us living together and two people were kind of always doing everything and one person was just freeloading and it got by for so long that we'd been living together for like six months and it was so much harder to have the conversation then because I think when you when you've just moved in

you're kind of finding your vibe you can suggest alternative ways of splitting things and it's not so weird because you can be like oh I know we've just kind of figured it out here's what I did with a different group of people and it worked really well whereas if you get six months in I feel like it feels a bit more like you're going, hey, bestie, you're the problem. And so we need to find a solution. Whereas if you do it early, it's just sorting out your boundaries. Exactly. I've been in some really awkward situations with housemates before. I know the first house I moved into when I moved to Melbourne was this little cute little house in Brunswick.

And literally to this day, there's still someone who owes a month's rent. No. I have someone who still owes me money. You just, you go, I'm never getting it back. You're never getting it back. never getting it back yeah a month's rent yeah it was this like you know you definitely find some of these people in house house shares where there's just one dodgy one that always just hops from house to house somehow always gets away with it how i managed to live with one of them and she's out there somewhere just probably living it up freeloading freeloading doing something with that

rent money i don't know what yeah it definitely is a little bit awkward i think that it's obviously best to set the boundary ahead of time but if you're too far gone and they're still freeloading best thing to do is just get the entire household to download beam it or like whatever else you split wise beam it's cool because you can like pay through the app you don't have to like say you've paid and then go to your separate banking i didn't even know beam it was available in australia yeah that's so exciting convenient that's very cool yeah oh my god i've led you You are teaching me so much today. I've learned about Beam It and about iPantry. My life has changed because of you, Bec. Oh my God, that's amazing. I'm so happy to hear that. But yeah,

I would say get the household to download Beam It. So it feels like you're not targeting one person. You're telling the whole house to do this. So it's a lot easier to manage for everyone. Not because one person's not paying, but just so we all have a little, you know, make it seem a little bit casual and then just add everything on there. So you can literally see who's not paying. It's written down on paper for you. You've got receipts. I feel like there's still going to be that one person who doesn't pay you back. If you're the housemate, and I feel like Jess, you were the housemate in this situation because you're very similar to me in that if you go to the supermarket and you know you need toilet paper, you would just go and buy the toilet paper and put it in the

house and just like, oh, I'll just get them to get it next time. And then 12 months down the track, you realize that you've bought it every single month and no one else has. How do you bring that up how do you go oh hey Beck could you like buy the toilet paper this time like I feel like they're always like oh yeah I'll grab some next time and then they never get it they never get it it's kind of that thing of like you can start tracking it because maybe it goes the other way maybe your perception's off let's play devil's advocate maybe I'm just feeling like I'm really carrying the load and not realizing what someone else is doing so I feel like as you said it's good to just have your ducks in a row so like I would personally start kind of keeping a track of what

I'm doing so that I can say hey like here's what I've done what have you done and you can kind of compare notes like maybe she's getting dishwashing liquid and you're getting toilet paper and you just feel that it's out of sync but they're actually contributing in another way correct or if it goes the other way and you're buying everything then you can be like hey like you owe me four hundred dollars or whatever it is see I don't think it's fair like as much as I don't think it's fair that you would have to spend four hundred dollars I also think that it shouldn't get to $400 owing before you go, Beck, you owe me this. And Beck's going to go, I don't have that cash. I don't know what you think I'm going to do here. I think we should nip it in the bud at the

very start and be like, oh, I spent $12 on toilet paper. You owe me six bucks or whatever it is. And while it feels petty, like using an app like Beeman or Splitwise, which I do have a lot of experience with, can actually just keep track of that. So guys do not let it get out of hand because one, you'll be mad because you're out 400 bucks, but two, it just becomes such an awkward conversation. Yes. I feel like a lot of people message us though with alternative ways of doing it because I think that's the other thing is when you live with people, you don't just have to split everything. Like there's a lot of different systems that different people have that work for them, right? What did people say? Oh, their responses are so spicy.

Everyone's got a story and it makes us heated. Someone says, I just hid toilet paper in my room for a year. That's not a bad idea. I was like, you do you, but I would get to the bathroom and have forgotten to go get the toilet paper for sure. Someone else said there's no such thing as a shared expense or a shared household item until it's been agreed to. That's a really good perspective. That's a good perspective. There have been a couple of suggestions to download Splitwise and track how much they end up owing you. Someone else, I'm not sure about this one because it falls to the being one individual's responsibility. They said have a communal kitty that one person manages. Someone has to take on the treasurer role. But also like, what are you

out here buying sorbent toilet paper? I just wanted to buy black and gold. Why are you wasting money on sorbent? Yeah, exactly. What do you mean you didn't buy the home brand version? Or what do you mean you bought the home brand version? What is my money going to? Like that's such a heated conversation that I could get into. A lot of people, now I read these, Bec, are suggesting payment. So I have indeed been living under a rock. Someone said, I don't know how to bring it up so I just don't cry in my room. Relatable. Mira, if you'd like to reach out to me and have a chat, I think we can have a chat. Someone else said, we ended up having to raise our housemates rent to make up for the amount he wasn't contributing. Imagine being like, all right,

Jess, you now have $100 a week more rent to pay because you keep using my TP. If you found out though, I feel like you'd be so pissy about that. I wonder if they wrote up like a fake, your rental lease is going up. Imagine if it was completely fraudulent and I'm just like, oh, that is wild. Someone else has suggested, make sure you have a group chat with all the housemates and use it. You need to verbalize what you need, which I think is really important. I think, as we were saying before, nib it in the bud and track it.

And even if it's small, I think it should be added. Someone else said, chuck a list on the fridge of basics and initial each time you purchase it. I've done this before and it worked really well. Someone said, it's hard, but don't sweat the small stuff. Think of the money you're saving by just living in a share house. You say that. You say that.

It's not worth the emotional trauma. Have you lived in a share house? Because as somebody who lived years in a share house, it's not how it goes. No, you live in a share house because those little, little dollars mean a lot to you. Yeah. But then also, I feel like it compounds over time. I used to live with a housemate. I have a crazy housemate story. Well, a couple of crazy housemate stories, but I have one crazy

housemate that was literally that person. She never paid for anything. She would use my shampoo and my conditioner and she would use all of my stuff. And as a poor uni student who used to like one of my things that I would always spend money on was shampoo and conditioner. Like I'd get so salty to the point where I ended up having like a little, do you remember those? Shower caddy? Yeah, you know, those plastic cleaning caddies that you could buy. I had all my shower products in there and I'd keep it in my room. And then I swore, I swore they were still going down. Turns out she was going into my room and getting my products to use while I was at uni still. That's such an invasion.

My other housemate suggested that we put Nair in the shampoo, but I just didn't have the guts to do that. In hindsight, would have made for a really good story, but decided probably not the most ethical thing to do. She also, I don't know how much you want to know about this housemate. Everything. yeah okay um so she didn't like doing her washing and when we were out of washing powder and when I say out of washing powder it was hidden in one of my other housemates rooms because we were so sick of the fact that she wouldn't do it she started taking my underwear I actually have heard about this housemate before I remember that yeah you remember this part yeah so she took my underwear

and then one weekend you're gonna remember this part too I was quite young at university and I would go home on the weekends because I had a job back where I used to live with my parents and I'd work there Friday, Saturday, Sunday and then come back up for uni during the week, right? So I went home one weekend and came back on the Sunday night to find out that all of the like pre-made meals my mum had made, all of the meat that my mum had like organised for me because she would give me like, you know, if there was an extra chicken breast or something she'd put in a Ziploc bag and I'd take it home and put it in my freezer, right? And I feel like that's such a mum thing but this housemate had thrown it out because she decided to go vegan and she didn't want any meat

products in the house. And so like my mum had made like, you know, single serves of bolognese and single serves of like, her favourite was like curried sausages. And I was obsessed. I'm still obsessed with curried sausages, but she literally threw out all of my meals that my mum had prepped for me and organised and things that I had been freezing. Because as you know, as a poor uni student, chicken's expensive. So if your mum gives you a chicken, I'm going to freeze that and use that later for a stir fry. That's like gold. That's gold. She threw it all out. I was so salty. That is so mean. And then she acted like I was the problem. Oh, because you're a meat eater. Yeah. And it made her uncomfortable thinking about how many dead animals were in her fridge

at night. Oh no. Crazy. Joke's on me. I'm now a vegan. So it did work. It worked, but we're not going to give her that. Back to this. A few people are just saying you need to make sure that you bring it up and just have a conversation, which seems to be the underlying conversation here. And then two other people have suggested a monthly kitty for shared household items. So do a budget and work out how much per month you're spending on shared household items and then split it. They've done this over a couple of messages. So they've said you can even include things like balsamic vinegar and oil and butter and shared items, which I think is quite, quite smart. But I think the problem with that, from my perspective, is some months you do need to go buy some new

balsamic vinegar and oil. And that's kind of expensive, right? What's oil? Like 12 bucks a bottle or something at the moment. But then some months you won't have to. So like, do you put the same each month? And then is that fair? I don't know. I just, I find managing money with other people who are not your partner, incredibly challenging. It relies on you having a really good relationship with those people, I think as well. Because if I think back on some of my living situations what might have started out really well got more strained over time particularly in situations like this where one person wasn't pulling their weight by the end of it I feel like everything's not rosy I don't want to sit down and work out a budget for you figure it out yourself

like I don't want to be pulling your weight I'm pissed off because you're not pulling your weight why would I then go and budget for you when you're probably not even going to pay for it I feel like there's some level of give and take as well here so if you're a bit like you know Jess and I I don't want to do somebody else's budget you're right yeah but like if I felt that you and I were living together and you bought some things and I bought some other things and it just felt fair it's fine I just don't think I would it's kind of like sometimes I'll grab the coffee sometimes you grab the coffee but you also know that I'm gonna grab the coffee next time because like in my head I know that do you know what I mean it's kind of like this idea that all

right well Jess bought the oil I owe her one like and I feel like that's the right approach to it But then there are some crazy housemates who are like, yeah, you owe me $51.48 and you're like, 48 cents doesn't even exist anymore, babe. Where did you get this? So I just, it's a struggle, but I think that you need to find the flow and the best way to do that is with a really good conversation at the start of your living arrangement. And for whoever already in, we know you're already living together, have the conversation now.

It's awkward, buck up. It'll be way easier for you in the long term. Yeah. And I feel like be confrontational about it, like not aggressive and rude, but don't leave passive notes out. Don't leave a passive group chat message as you're leaving the house. Actually just be like, hey, we need to have a chat and have that conversation. And yes, you're right. Sometimes it's easier to just drop, hey, you owe me X for X in a group chat, but how about we set the expectations in person? Because that's when things get petty and aggressive and it just blows out of proportion. Amen.

No passive-aggressive notes. No. At my ex-vegan housemate who threw out all my meat and used to leave passive-aggressive notes on everything I own. I want to know who this is. I want to see. I'll show you later. Okay.

All right. But, guys, I think that's all we have time for today. So we will see you next week. Have a good weekend, friends. Have a good weekend. Bye. Bye, guys. The advice shared on She's On The Money is general in nature

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