She's On The Money - Single Is Spenno!

Episode Date: July 20, 2023

Here we are at Friday again which can mean only one thing, its time to unwind with us as we celebrate you! Jess wraps your money wins and losses, Bec shares some tips on the tighter side, AND V delivers sage advice on a Money Dilemma from a FREELANCE ACROBAT (!!) asking all about the smartest way to funnel limited savings. Plus, this week's D.M is another doozy on sharehouse equity. Should partners of housemates chip in for bills, or should the single housemate just chill? 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 housemates who want financial freedom from their other housemates. Today is Friday, which means it is time to get my little team together. We've got Bex Syed and Miss Jess Gritchy. And we today, as always, are celebrating our beautiful She's on the Money community. Today, we're going to be sharing, or I say we, because I want you and I, Bex, to be in on what Jess is bringing to the table. But Jess will be sharing our favourite money wins. You have another broke tip for us. We're going to be helping to answer a juicy money dilemma, which this week is all

about channeling funds to pay down debt more effectively. And we're going to be unpacking a message that you slid into our DMs about, which this week we're talking about splitting bills in the share house. And I have an inkling of how this is going to go because we had a slightly heated conversation about olive oil before the show started recording. But we're not going to, you know, say names or blame ex-housemates. That's all good. Bec, how has your week been? What have you been up to? My week has been real cruisy. Real cruisy. Real cruisy. Almost too cruisy. I'm wondering what am I missing? Oh, no, it's because it's pay week. You got paid. Ah, yes. Yeah. Yes. Not stressed anymore. No, no. How did you

go. Give us an update. $15 and like, what was it? Like 31 cents? It was 33 cents. Okay. Sorry. $15 and 33 cents that you had to live off for the last week. Did we do it? I made it. Of course you did. I made it. Nobody doubted you. Thank you so much. But you know, it's because I'm a single person. I don't have any dependents. I'm very lucky that way. So I made it work. And it lasted the whole week. I even had a few cents left at the end. I love this. We should do like a little join Beck on a frugal week. Yeah. Like not necessarily just pay week, but like we all do one week where we are as frugal as possible and we can like calculate how much we save as a team or like as a community, everybody else can join in as well and see how much we could actually save

in one week. Because if anything is impossible to me, it's one of those no spend months that people on social media do yes I always have wanted to be one of those people and I just simply never have a month is not going to work but do you reckon you could commit to a week give it a crack I think we could do a week and then we're just going to use Beck as a gospel and be like Beck what would you do Beck how do we make this work Beck what's our grocery list this week like for the most budget options I love it better believe I already know I'm gonna fail but like I'm all in that sounds really fun maybe we'll work on putting that together so we can do it as a community everyone at once. Oh, great idea. Yeah, we have to think of a catchy name. So if anyone has a

catchy name for Bec's broke week. Yeah, some sort of challenge, something about challenging. Oh, LLB. We'll get bracelets. What would Bec do? So cute. Yes. I love it. We're going to, do you know what? I think we should workshop this later. Yeah, let's workshop it. Jessica, how's your week been? Really good. It's been very quiet because one of us is enjoying the sunny shores of Bali right now. Oh, hello. Sadly, not me. It's me. It's me. I'm in Bali. But I have tuned in to talk about housemates because... She wouldn't miss it. Don't tempt me with a good time.

I mean, who wouldn't? Literally not me. Not me. I'm here with bells on. So let's jump into it. It's been a good week, especially for me. Rub it in. I have heard that it was also a good week for our community.

Jess, what money wins have you pulled out of the community to share? My first money win this week comes from Micah, who said, I paid off my small afterpay balance with money from selling clothes that I don't wear that I used afterpay to buy. And I have now closed my afterpay account for good. Queen. Very good. Full circle moment. You love that. My next money win comes from Samantha, who said, I went up a skill step at my performance review, which means a pay increase plus the 4.5% pay increase the union campaign for means my fortnightly income is about to go up. Plus, I got my tax done, and thanks to all my study deductions, I should be getting a decent refund.

Amazing. Congrats, Queen. Tax time. We love to see it. Next, I've got a money win from Katie, who said, I sold a washing machine on Facebook Marketplace for $75. Three years ago, I paid $15 for it. Oh my gosh, what a money win. How good's that? $25 profit three years later. Them capital gains dough.

We love it. Next, I've got a money win from Siobhan, who said, Not having to worry about AFL finals this year is a money win. Fremantle breaking my heart again. Not so much. I don't know if that's a winner or a loser. We can be friends. Yeah. Next, I have a money loss from Cass who said,

Confession. Emotional and stress spending has been intense. So I have a date with my budget tonight to reinstate some boundaries and make myself a plan. I love this. Normalize falling off the horse and getting back on. Yeah. You can't stay on the horse all the time. You like to get sore butt.

Yeah, exactly. We're on the same page. One brain cell. Jumping between us. It's like we actually have two brain cells between us and they're both competing for third place. Lastly this week, I have a money win from Amy who said, I forgot my lunch today and I wasn't keen to pay for takeaway,

but I found a long forgotten frozen meal in the freezer at work. Money win. Stunning. Oh, yes. And that was giving me. Bec's like, that's good. That's real good, babe. That was giving me BBE.

I was like, yes. Good one to finish on. I love that. I love that. We should bring that back. BBE. It never went away. True.

For those of you who might be new or have forgotten, BBE is Big Back Energy. Yeah, which I love. I love it. We all do. Thank you so much. Thank you so much. So speaking of bringing some BBE to this show.

Yes. Vexpro tips. Okay. BBT. You are great at segues. BBT. It's like a BLT but more frugal. Yes.

And more tasty. It has no bacon. More by size. And it's mainly just free cheese and bread from the cafeteria. Exactly. It really works. So, all right. First one I'm going to start off with.

We're ready. Is from. This feels very aggressive. I know. Can we tone it down? Oh, my gosh. Yeah. Let me bring this back a little bit.

You've been pointing that thing all over the place and I'm just pointing at us. I've got this pen in my hand and I'm pointing it around. I'm just going to. I'm being very aggressive. I'm in Bali. Could you please let me relax? Sorry, me. Oh, my goodness.

You didn't need my pen pointing at you from Bali, in Bali. Okay, so this one is from Terry, who actually after a little bit of digging realised this one is initially from My Millennial Money. So he stole it from a different money community. Yeah, which is like penultimate broke tip. So we're kind of really scraping the bottom of the barrel here. Really scraping here. We're being very budget by taking from Glenn James' community.

Exactly, exactly. Sorry, Glenn. Sorry, Glennie. That actually feels very generous of us, taking from the rich to give to the poor. Yes, exactly right. No, but this is a really, really good tip from Terry. So this can kill a lot of birds with one stone. So if you go to the website, you can find 199 plus freebies for your birthday.

So what you do is you sign up with all these different places. So you'll find this on the My Millennial Money website. Basically, you can either do this for yourself on your birthday, go around and get a bunch of freebies. Stunning. Eat free the whole day. Or if you have a child and you want to do something that's a little bit cheap, You can't really afford gifts or you can't really afford to take them out or have a party.

Take that child out and get them all a bunch of free stuff. Everywhere you go, you'll find it. You know, there's that Boost smoothie that you can get that's free on your birthday. Baskin Robbins, do a free ice cream. Baskin Robbins. Oof, I used to love a Baskin Robbins. Absolutely. So you can find so many places that offer something free for your birthday.

So check it out on the My Millennial Money website. that is a mouthful. How much did Glenn pay you to get his ad on our podcast? Lots of money and that's why I was able to survive last week. Yeah well it's obviously lots of money because he spent it all on his boat didn't he? Shots fired. Oh my goodness. Love you Glenn. Please don't hate me come on our show again. Need your tips and tricks. Please please please please. The next one comes from Elise who I love I love Elise. So Elise kind of says if you're eating at a friend's house or a family member's house. And this is something I did mention last week that I did want to also say this week. No, but we're really reiterating it this week. Yes, yes, yes. It was intended for

this week. Accidentally slipped up, but didn't give credit to Elise. So when you're eating at a friend's house, you're eating anywhere really where there are takeaway options available. Maybe you have a lunch at work or something like that. Personally, I get way too lazy to take stuff home, especially because I live in a share house. I'm like, I only have one little compartment in the fridge i don't have space for all this stuff if you have the ability to take freebies where you can wherever that may be if you're going and eating somewhere if you want to take takeaway if you want to get a doggy bag for one french fry do it if you're eating at a restaurant i should say i would just eat the french fry no no if it was one i'm not you can fit a french fry in i have

an entirely separate stomach for french fries beck that's fair because they always say do you want to take it home and I always just go, oh, it seems like so much effort. They'll give you free takeaway containers, which you can wash out as well and use later. Yes, exactly. Yeah. Smart. So those are the community broke tips. My personal one is this app that's called Petrol Spy. So basically download this app, have it on your phone. If you're driving around, I kind of use it more so if I'm driving to Sydney, for example, and you know that the highway petrol stations can kind of like you really bump the prices up i'll put in petrol spy the places that i'm going i'll have a look around and see if there are towns on my way that are a little yes that's clever yes but

you can use it anytime you can i do not want to drive to sydney don't push it too late as someone who's broken down on the highway from one state to another don't push it too late oh my gosh i gotta do this story tell you later but yes download petrol spy and you can see kind of like when the last time someone registered a price. So you won't go there and it's like all of a sudden 20 cents more or something. You can kind of figure out if it's quite recent. Oh, I love that. And the more people that use it, obviously, the more updated the prices would be. Exactly right. Oh, love. All right, guys, let's go to a really quick break. On the flip side, I want to talk to you about how to channel funds to pay down your debts. And we get to talk about how to split bills in a share

house, which I think is going to be a very fun olive oil discussion. Don't go anywhere, guys. Welcome back, guys. Let's take a listen to The 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 there. My money dilemma is that at the moment I'm a freelance acrobat and very lucky that I have an investment property. But my dilemma is around looking at my help debt

and whether it is more beneficial to put $50 a month into repaying my help debt or should I be putting that money towards investing or should I be putting it towards more regular repayments my mortgage any help would be best I can't really spare more than the 50 a month to go all three ways and any advice would be great uh I just freelance acrobat that is not where I thought this conversation was gonna go that's the best job we've ever had I also tried to be real pervy and I googled freelance acrobat income. I'm imagining there's not a lot of data out there. No, it just comes up with Adobe going how to find a side hustle from home

and how to download this free PDF reader. It's not telling me how much she earns. And to be honest, I'm not going to put in the time and the energy to understanding that because it doesn't matter what she earns. She did tell us how much she has left over. So, Bec, Jess. Yes. You've got some extra dosh at the end of the month.

how would you be viewing it? Is that something that you're putting against your HECS? Is that something that you're putting against your home loan? I didn't realise, she sounded quite young, you're a freelance acrobat with your own investment property? Pretty, imagine. Yeah, true. Can't relate.

That's so cool. This is maybe an untapped industry. Should I change careers? Yes. Yes, please. Do a flip. Do a flip. no well you you please go ahead i feel like you've i don't have hextech so it must be nice

i didn't go to university must be nice and we're at the same table well there you go there you go i mean i'm just gonna parrot what i feel like i've always heard you say okay i'm ready i'm ready i don't know if that's very exciting non-offensive do you want to go for it no i'm victoria divine hello it's victoria speaking but that's how she picks up the phone that made me feel a little bit how do you pick up the phone hello you you say victoria in a really specific way when you pick up the phone i feel like i've said this to you before hello it's victoria speaking victoria like it's like that's my name oh yeah i feel like you're saying it's victoria but you just drop the i and the t and you go victoria

Beck how do you answer the phone hello but like don't you say your name nah I feel like it was drilled into me as a child to answer the phone politely hello this is Victoria speaking how may I help you like my house was made of customer service but like people are calling you so they know it's Victoria speaking let's get back on track shall we yes sorry our producer is like you guys are off the hook. Like the phone when you lived at home and it was a lifeline. Mum, get off the phone. I want to go on MSN. Took me a second, but I got there. Okay. Anyway, to parrot what I've heard Victoria say many times before, I believe is that HECS debt is the one debt that dies with you, which is a little morbid, but if you die, it disappears. It doesn't get

passed on to anybody. Actually, you know what? Now that the HECS indexation is higher, perhaps this is a smidge different, but typically we would have, or I would have thought the answer was the potential rate of return on an investment, generally speaking, may or may not be higher than the debt that you would be accruing on a HECS debt, which then also disappears when you die. So like most people wouldn't prioritize paying it off historically. I don't know where we sit now that the HECS has indexed. Now that the HECS has indexed. Now that the HECS has been indexed. That's the one. I can see why it was challenging. My one brain cell, I should jump into yours. All right. Can I please take the brain cell button and have a turn?

I would love that. Thank you. You have the brain cell now. So it really depends, obviously, on your own financial goals. It's not necessarily what is better because we could do a whole heap of maths that tells you that the best asset class in Australia to invest in that has the highest return is actually shares. But that doesn't mean that's what you want to buy. Like go over to Jess's side of the table and I say, put your house deposit in shares. She's going to say, absolutely not. That is not in line with my values. So just because something has the best return does not mean it is the best for you personally. So I think starting there is really important. Jess is correct. HEX is the one thing that if you lose your income, you don't have to

pay. If you die, it doesn't get passed to your friends or your family or whoever is your next of kin, whereas your mortgage will. Obviously with HEX indexation at 7.1% this year, people are looking at it a little bit differently, but it's going to be indexed every single year and it has been indexed for the past few years. It's just never been at a point that has, I guess, catastrophically offended people enough for them to make a change. I didn't make any changes based on indexation on my HECS debt because at the moment, I just really don't want to have a mortgage. So I'd prefer my money to go there. But if you look at the interest rate on my mortgage, which currently now is at a vomit worthy 5.5% versus my indexation on my hex, which is at 7.41%.

What you need to remember is that 7.1% was once off and next year it could be lower or it could be different. Whereas my mortgage is going to continue to cost me 5.5% each and every single month, which is vital. So it really depends on how you want to calculate it or work it out. But I'd sit down and go, well, what are my financial goals? Like, is this $50 going to get me closer to the holiday that I want to go on? Is that more important than getting rid of my HECS debt? And one of the things about HECS debt is it's kind of one of the only debts that doesn't stop you from borrowing more money. Like you can, and I'm not saying that this is good, but you can get personal loans, you can get mortgages all while you have HECS. It just changes your borrowing

capacity, but you already have a mortgage and you already have that investment property. So I'm assuming that smashing down your hex is not the biggest priority because what happens when it's gone? Like, are you using that cash flow for another financial goal? If so, why aren't we working towards it now? Like, there's just lots of questions and there's no real perfect answer. It's just more, well, what is more of value to you personally and what does that look like? Because as I said, I could show you on a piece of paper what the quote best asset class return on average over the last 30 years has been it will come out as shares that doesn't mean that people want to do that like exclusively with their money so it really yeah it really

depends sorry for that roundabout answer if you do want a more in-depth answer you can absolutely listen to the episode that we did about hex and indexation back in may very sexy check that out If you want. I love this. Great app. Let's move on. Let's get into the good stuff. Yes.

Are you ready? Juicy. Are you ready? All right. So this week's community dilemma. You've slid into our DMs. We are on a roll when it comes to housemate topics. So we're not going to stop.

This week's message sounded a lot like this. Ready, guys? Ready. Staying on trend with the roommate dilemmas, laughing, crying, emoji face. I live in a house of four girls and all of us have partners apart from one. The one who doesn't has rallied us all together and said she thinks we need to negotiate our bills as our boyfriends come over and use water and electricity, etc. But on the flip side, we're all gone at our boyfriend's houses half the time as well

and she's the only one home during that period of time. Thoughts on what we should do? S.O.S. Sounds like it's break even, I would say. I know it's really silly. Agreed. Is that the answer? All right, well, we're done. Bye. We all agree.

That's nice. That is nice. Yeah, it just sounds like I totally get it. If they were always at home, the partners included, then I would understand that a lot more. But really, it's probably negligible, I would say, if they're kind of like half at home, half at the partner's house. It kind of all evens out, all comes out in the wash. Yeah, like if you're having your partner stay over like three nights a week and then you're staying at their house four nights a week just for clarity's sake they're saving one shower per week yeah it's yeah it's not really like if we did the maths probably not worth like the awkward

conversation potentially a fight for you know if you really break down the numbers it's probably not that much i would argue really if the partner's there chances are the housemate of the partner is also there if you're sitting in the bedroom if there's one person in there or two same amount electricity is being used. Do you know what I mean? Like the one argument I suppose could be made for shower, save water, shower with your partner. But I don't think that could lead to a longer shower. But you know, I feel like it's not enough that you, it's not as if in my mind, that's detrimentally inflating the cost of bills. And if it is like, if they're leaving lights on everywhere, maybe there's a conversation to be had around, Hey, like, can we just be mindful that

if we're jumping from one room to another, we're switching the lights off, better for the environment, tra la la. But I don't think it matters that much. Maybe the food, maybe the food situation. Or if the food is there, I think that's a situation. But I would also like to go back to how you negotiated the rooms to begin with. Like, are you paying rent based on the room that you hold or are you paying rent based on how many heads are in the house? Because I feel like this goes two routes and every house I've ever lived in has always been you pay rent based on the room that you're in. And so like this room might be worth $350 a week. And if my partner stays over, well, that's part and parcel. I've now decided to share my space. However, I do see

the bill thing as being an issue. I know that this could be fickle, but like from this circumstance, I look at it and go, you know what? It's easy come, easy go. It's pretty even. But what if your boyfriend doesn't have a job and all of your housemates go to work and you go to work and then your boyfriend's just hanging out in your house with a heater on full blast. True. Like that could be an issue. That's true. That's true. We can talk about that, but that doesn't seem to be what's going on here, right? No, no. That would be a separate issue, I would imagine, altogether, really. Why are you in my house without me? Weird. Yes, but I think, yeah, at the end of the day, if it is true that they all are kind of like sharing each other's,

like they're going back and forth between the partner's house and their house and they're, I don't know, not really there all the time, it kind of does even itself out and it's not worth having the conversation. However, if everyone is always at home and it's maybe like once a week one of the people go to the partner's house or, you know, whatever, then maybe it's worth having a look. It sounds like the third housemate, the single housemate, is feeling a bit put out.

Sure. So it might even just be a symptom of a deeper issue. Like she's like, there's all these people in my space. I'm the only single person. don't know how they feel about that either way but maybe they're just like oh like I signed up to have three housemates and now I have five yeah I feel that in my bones it could be like a bigger conversation to be had but I don't necessarily think that that means that the outcome should be everyone needs to contribute financially depending on yeah the dynamics could be very different right

like again I've used these examples in the past if you and I just lived together with Beck and it was just the girls and we were all single. That dynamic is very different to if three of us all have partners and our partners come over because I feel like there's such a different dynamic in a house because I've been through it where I get a partner and then my partner, now husband, comes over and we're cooking dinner together. It does feel a lot more like you're living separate lives in the same space as opposed to historically because I lived with my best friend for a long time and we are still best friends. So it all worked out really well. I just remember when her partner would come over because I was single at that point. I always felt like I was in their

way. Like I would, you know, maybe not come out of my room as often because they'd be in the kitchen cooking and I didn't want to impose on their relationship or what they were doing or what they were cooking. And I know that that wasn't the case because like I love both of them and vice versa, but I can see how maybe she's not feeling as comfortable in her space. And maybe this is a deeper way of her saying, hey, you're spending lots of time in my space. I want some type of remuneration for this and maybe that's where that's going yeah yeah what did everyone else kind of think though so we asked a few questions so first things first we said do you live in a share house where partners stay regularly 13 said yes all of us have partners

71 of you said yes some of us have partners and 16 of you said we are single ladies and then we said if yes have they ever contributed to bills so like have the partners contributed to bills 83% said, nah, not at all. 12% said they have once before or rarely. And 6% said they regularly contribute. I want to know that. Then we asked the question, how many visits per week warrants some cash to be coughed up? 47% of you said between five and seven visits a week.

Yeah. 28% said three to four visits. 2% said one to two visits. Sir. If your boyfriend's staying over one night a week. I'd be miffed. I would be miffed. That's a good word.

But 23% of you said, I don't think they should contribute at all. Then there was lots of responses. I feel like they've been quite similar to ours. Someone said, that poor girl having to live with up to three extra people in the house. Yeah. I love it. This is where we're different. I'd be like, get out of my house.

Who are you? I did not consent to this. It's cosy. I think it depends on where that person is sitting because I've been in a house situation. There was three of us. Two of us had partners. One of us did not.

And the person who did not have a partner, I think, was in the place where she wanted a partner and so I feel like that compounded the things that she was feeling a little bit. So I think she, like, she never said anything about it. Wanted a partner or wanted your partner? They could be very different dynamics. Well, that's it. Like, you just, you don't know.

You don't know what they're feeling. You don't know what they're thinking. Oh, yeah. Run. right you should move out on your own someone else said if the other housemates are gone half the time it kind of evens out nothing should be paid agreed someone said it looks like that housemate just needs to be shown some more love yeah that's kind of what i think maybe they're feeling left out maybe but also again like it's it comes back to it's not other people's

responsibility someone said 100 they should contribute if they're there for a majority of the time. I have a similar story. I'm going to message it to you. Can't wait. Someone said if they're staying over, then I'd say they're just as good as living there too. I don't know. I just feel like it's all about timing. Like I started having a conversation with my now husband about whether he should be contributing at my share house when I lived in a share house and we'd just met because we started staying over a lot of nights per week. And ultimately we were like, actually, let's just move in with each other. So that was good. I mean, so far, so good. We've been together for years. We're married, but like, I probably wouldn't recommend moving in with your

partner if you've been dating for less than a year. I'm kind of a go hard, go home girl, you know? I love that. Love that. Love that. Someone else said if they're having meals slash using food, they should definitely contribute there as I'm assuming it is shared. I think condiments are a big source of contention in a home. We spoke about the olive oil. Toilet paper, things of that nature. Yes, toilet paper. Everyone who uses it.

My old housemates used to dodge it or, like, get really annoyed. Miffed is the word of the day. Sure. If you had not bought the right toilet paper, even though we were broke uni students. Quilted. Quilted only. Okay, now that you have a solid income, Jessica,

you've been to my house, you know I buy quilted. We're not going to have this conversation. But as a poor uni student, I'm sorry, I'm not going to be spending that. Can't buy Who Gives a Crap? Absolutely not. Yeah. Also, that's not that soft. Who Gives a Crap?

Yeah, not that soft. No, it's not meant to be. Oh. It's recycled. Someone else said, look, it's a fair request if usage has increased, get your power bills together and look at your spend over the last three months and see if it's increased. That's fair.

That is a very good idea. That's a very good idea. That's a very Victoria Devine answer to you. Yeah, I feel like I've done this a few times, like with different team members who have had housemate situations. I'm like, okay, well, I'll sit down, I'll calculate it for you. No worries. I'll let you know exactly what is actually fair and equitable

and you can take that back to the team and let them know that I'm in on this too now. Perfect. It goes very well. Someone else said, to cover any discrepancies in bills as they are paid, set an amount that you put into a shared kitty. This was really important for me to also have it in writing. I feel like that was from experience.

maybe. You've been there before, baby. Someone else said, can you play his ad? I'm just here to read the results because I'm nosy and I don't want to contribute. I do the same thing. I do apologize. Can you just answer our questions? I was going to say, you want to know the results? Answer the poll. Answer the poll. Don't skew our data. Contribute. And I mean, we always have a no answer. Just contribute because our content is free. It's free. Take our data collection as payment yep not adding it you know what we're done for the week she's angry i'm not she's angry i'm not angry i just think if you're the housemate in the house that hasn't bought olive oil recently it's time to pick some up essentially public service announcement from she's on money psa

have the best weekend guys we will see you for a money diary on monday bye guys bye guys 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 321 649 27708 AFSL 451 289.