She's On The Money - The Split Up Rent Split

Episode Date: May 25, 2023

Your Friday is about to get a whole lot better as the gals celebrate your money wins (and losses)! Bec brings her new segment "Broke Tips" (DM her your tips on insta @becsyed). Plus we solve a Money Dilemma about how to manage cashflow across accounts. AND you slid into our DMs this week about how to split rent in a share house when a couple breaks up. We have ALL been there! If you want to take advantage of the Go-To skincare code, it's SOTM15 and will give you 15% off all orders over $80 (plus they have free shipping!) Get in quick though because like last time this code will be live for one week only!  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. My friends, today is Friday, which means it is time to get the team back together to celebrate you, our incredible She's on the Money community. Today, Ms. Jessica Ricci is going to be sharing our favorite money wins. Ms. Bek Syed is going to be sharing her best broke tips with us. We're going to be helping to answer a juicy money dilemma, which this week is all about the best way to manage cash flow between multiple bank accounts. And we're going to be unpacking something you slid into our DMs about, which this week is managing rent after a breakup. So let's get straight into it. But first things

first, my friends, how were your weeks? Mine was really nice. Was it? It's been really busy, but good. That's a good thing. Is that a good thing? Yeah, I think so. I feel like I'm always, I don't have time to figure out if I'm not happy because I'm too busy being busy. Do you know what I mean? Yeah. Have your life so full that you don't have time to think about your emotions. Yes. That's a really, it's actually a tried and true strategy. Tried and true.

Push them down. Push them down. We don't need those emotions. All we need is a breakdown. Yes. And you'll get one if you keep doing that. It's a very good idea. It'll come organically.

Yeah, nice, nice. All right. Miss Jessica Ricci, was your week just as good? It was thrilling. We had some sun in Melbourne. Love that. Keep the sun to pay. All about it in the middle of the town.

Where did that come from? I don't know, but it can stay. I'd be very happy if that was the case. Not mad, we're just confused. Not mad at all. Our GoToSkincare code came back. Which is a 10 out of 10. I am genuinely so excited about this because obviously GoToSkincare don't give out their

codes that freely, like they're hard to get. But because our community asked so many times, they were like, yeah, okay, here it is. Everyone can thank Anne, who was the first person to comment on our post this week when we put up a little posty post with GoTo, which we're obsessed, dying, the fact that they are paying us money. I actually can't believe it. Like, I've made it. i've made it i went in their office one time i can die happy me too so she commented on the post

and said oh guys like is the code gonna come back where's the code we if you remember last time we only got it for one week that was it they're like one week that's all you get we were like okay no problems i used it i worked it it was good me too and then ann commented and i put it on the stories i was a little bit cheeky and i said hey guys use your audience if you want the code go a comment and then I screenshot it and I send it straight to GoTo. You're like, hi, we really need this. It would make our community really happy. So one more week only, I feel like. What's the code Jess? We won't get it again. SOTM 15, 15% off across the site. Money win. Incredible. We'll put all the details in the description in case I've forgotten something. Have you ever thought that

maybe GoTo are reverse engineering this and they just got a really good advertising segment on our podcast? We haven't really thought about that. You know what, let's not think too deeply. No, No, no, no, let's not think too deeply. Let's get on with the week because, like, I'm excited about it. I needed that 15% off because I'm almost out of my sunscreen. And that's a money win. Exactly. And segue into, oh, my gosh, Jessica Ricci, is it time for money wins?

I think it might be. Oh, my gosh, what have you got for us this week? I did not see it coming. My first money win comes from Clara who said, I ran out of my 50 pack of Pilates classes. What? Today they went on sale with 20% off, so I bought another 50. Oh, what?

I've saved almost $170 and I'm just impressed that Clara is convinced that she's going to go to 50 classes. That's so impressive. I don't think I've, like, yeah, I don't think I've either been to that many classes. Maybe I've skipped that many classes. Oh, yeah, skipped 50 for sure. But do you know who would have gone to 50 classes? Gabby. So Gabby's on our team.

You've probably heard of her before, but far out. She's like the Pilates queen. She loves her Pilates. She does indeed. Well, maybe she can see if she can get a bulk discount next time she books in. I don't even know if my studio offers 50 packs. Maybe because they don't have that much faith in us. Maybe not.

My next money win comes from Lauren who said, money win, Kmart $39 knee-high heeled boots, they slay. Oh, do you know what? I have had so many DMs about this. Jess, I think we should go and check out Kmart and see what their boots are like because I need winter boots and they're so expensive. Like I went into David Jones the other day. I went into Maya.

I was checking out a few different options. One, I couldn't find a pair of boots that I liked. But two, every time I looked at them, I'm like, that's so much money. Like, I already don't have them. Do I really need them? And yeah, I've got analysis paralysis. So maybe we should just go to Kmart. I have a couple that I bought from Kmart last year or the year before, and they're still

going strong. I bet they're the ones that everyone asks about always, too, because that happens all the time. Very cute. My next money win came from Emma, who said, money win. I bought some plants and was gifted four variegated monstera cuttings and some anthuriums. Anthuriums, anthuriums, anthuriums. Sam, if you don't leave that in there.

Please leave it in there. Please let me. Anthurium. Do you know what? I know exactly who that is because I follow her on TikTok because a little known fact about me that's only little known if you don't follow me on my personal socials is I have an addiction to exotic plants.

Like I really like buying like variegated monsteras. I've got a few Thai constellations. I've definitely spent a lot of money on a few. elbow anything that is like hard to get your hold on yeah I'll show you later I've got pictures beautiful I'm so jealous yeah would you say a guilty pleasure like they're like my children I will show you them when you come to my house anyway to be gifted for cuttings people pay for those so that is a good money and they're very expensive like a cutting of a variegated monstera is like at least 150 dollars each anyway for those of you who might follow me on my personal account

I bought my elbow from her brother-in-law. Oh, is it the same girl? No, from her brother-in-law. Like I'm in the plant community now. Like I'm not, but like I just, I'm in the know guys. Wow, wow, wow. She knows. She knows.

Just need it on record that I keep hearing very gay Monstera. It's a very gay Monstera. Very gay Monstera. You know what? Wow, wow, I wonder what that looks like. Why don't you have one? I can't believe I don't have a very gay Monstera. You know what?

I'll take it. What's your next money win? Because Bex already lost it. Next money win is from Deborah and she said, I just said yes to the dress thanks to Marketplace. My dress retails for $4,000 and I found it online for $2,500 with a veil. Money win. Bargained it to $2,000 without the veil and went to try it on.

It was a little bit big and it had a stain so I offered $1,500 and she agreed. Oh my gosh, what? How good is that? What a little hustler. 10 out of 10. Huge saving there. My next money win comes from Kim who said, I had a medical procedure on Monday which I was told was going to cost me $380 out of pocket.

After the procedure, they told me it was 100% covered by Medicare. Wow. I love that. Money win. That's unreal. And then my last money win for this week came from Bridget who said, I got Rush Tix on Today Tix to see Come From Away. So good and amazing seats.

$140 tickets for $45. Oh. Were you confused too? I was like, what's a Rush Tix? That's really, really cheap. I thought it was like a rush and tick. I think a rush tick is like a last minute ticket and today ticks must be a platform that sells them. I had no idea.

To be honest, when you said tick, I was like that is a small bug that you don't want on your dog. Oh no, I'm so sorry to hear that you got a rush and tick. Great way if you're a theatre girly to see some amazing shows I've heard come from away is absolutely outstanding. I have used last ticks before and they are also great. That's tick with an X, not a C. That's how you got confused. Tick. Ticks.

That is really, really cool. $45. That's a money win because they're usually so expensive. Great night on the town. Support the arts. Win all around. Money win. All right. Let's segue again into hopefully what is another money win. Bec, have you got a broke tip for us this week? If so, what is it? Let's share. Okay. So I'm actually very excited for this new little segment. A few people wrote in to me on my Instagram at Bec Syed. I'm very grateful for you guys. And we're encouraging this. Yes. I'm strongly encouraging this. Strongly encouraging.

And thank you for supporting me. So my first one this week is from Sarah Louise, who said that if you are out of foundation and need to go to an event or you just need a few days or a week until payday, pop into Makeup Giant such as Mecca or Sephora and grab a sample of something, which I know. Oh, that's smart. It's very, very smart.

I can't fully relate to the makeup side of things, but it did get me thinking about when you're going to an interview you or a date and you don't have perfume, go to Maya. Oh, just swing past Maya, do a little bit of spritzy spritz. She smells expensive now. She smells expensive. I really, really like this one. I do that a lot, actually. You're quite smart. Very clever. So my second broke tip for this week is from Carla, who recommends that I follow this person on Instagram. It is Jasmine Weston and her handle or their handle is Jasmine Seats. That's Jasmine without the E at the end. She or they kind of give their under $10 recipes for the week.

Oh, I've seen these. I love them. I haven't seen that one, but there's a few on TikTok that I follow. Jenny. I follow Jenny on TikTok. I love Jenny. Yeah, I think her username's like Jenny or something. Anyway, she does like she goes to Coles or Woolies or whatever with like $10

and shows you like a good meal that you can make with $10 that'll feed like family, which I think is really cool. Yes. Is Jenny the one that does the mud cake hacks as well? I'm not sure. Tigger Mac. Tigger Mac. Yes, I love chicken back.

Oh, my gosh. Now, that's a broke tip. Wholesome energy. Wholesome energy. So I do just want to say Jasmine shops at Woolworths, so very accessible or, you know, at least pretty accessible, and gets all of their ingredients from Woolworths, and it's all under $10, and you can get some really,

really good recipes out of this. So they're healthy and fresh and fun, and, yeah, so that's kind of the. I love that. Those are the broke tips for the week. What's your broke tip of the week? I'm very excited to hear because I just feel like you've got this brain that's like a little wizard and we all want to get inside and be like, but what would Bec do? So we're all going to get

like little plastic braces that say WWBD and it's what would Bec do? That is so nice. So this is, I have to be honest with you. My broke tip was actually the spinoff of Sarah Louise's broke tip, which is to go to Maya. But I do want to say this, and this isn't something that I advise everyone to do but a few years ago when I needed to change my white joggers to black joggers I colored them in permanent marker for oh shoes you colored your shoes in colored my shoes in with permanent marker for a hospo job they didn't the whole shoe the whole shoe tongue and everything no you didn't I promise I promise I can send you a photo I want to know how it would have been better it honestly for the amount of time I needed it worked it worked for like one or two days but

then once it rains it goes purple did you know that you can buy color changing shoes that sounds expensive I'm pretty sure Nike did that you can buy leather paint is another tip that would be a lot cheaper than buying a whole new shoe like if you just buy some black leather paint it's made to like paint shoes and stuff like that oh that's way smarter I was gonna say you can just get some like rit dye and dunk them in dye yes yes if you yes i love that so you don't have to go out and buy new shoes jess why are we bothering with these solutions when we could have just colored them in you could have called them in and also i'm thinking if you want them to go back to white at some point you can just wash them straight out what do you mean you can just wash them

straight out you can wash them out that is not a permanent marker it's certainly not do you know what we're cancelling the money tip there or the the broke tip there because they're not going back to white if you colour your shoe in with a permanent mask on. I'd like to put a big fat disclaimer here. We're not responsible for what happens if you try to permanent mask your shoe. Please don't come for us. Patch test it. We're not promising that it works.

That's very true. That's good advice. I believe you, but also I don't want people to yell at us in our DMs. No, absolutely not. Please don't try it. Can you imagine someone taking that super seriously? You're like, this didn't even look professional, Jessica. I can absolutely imagine it.

Okay, yeah, no worries. I carried my high heels for my wedding in black and they, I don't know what would happen actually. Do you know what? I'm probably going to try it with a pair of shoes that I don't wear anymore. Let's go to a break before we get some more unhinged tips. And on the flip side, we're going to talk about

the best way to manage cash flow between multiple accounts and we're going to talk about how to manage rent after a breakup. Don't go anywhere, guys. Welcome back, everybody. Let's 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. Hi, ladies. I recently purchased a home and will have access to an offset account where I plan to keep all my savings in to offset my mortgage. I'm someone who has 10 different accounts for different purchases and expenses. Even my dog has his own savings account. I'm stuck on how to best manage my cash flow since I won't be able to have a subcategory in my offset and it'll just be one large amount of cash. I could potentially transfer out my fortnightly allocation for bills and daily spending but this would then mean my account isn't offsetting at its full

potential. I thought about keeping an Excel spreadsheet where every time I get paid, I jot down how much is allocated to each category, but it would get really difficult to track if I had to make frequent withdrawals. Thank you so much. Love the show. How wholesome. First question I have guys, what do you think her dog is saving for? I was going to say holiday surely. How wholesome. Walked right into that one. I didn't know I was going to say it and now I regret it because it's like not even funny. I understand that you're probably like saving for your dog's costs or expenses, but that makes absolute sense. Jess, you budget this way, don't you? You have a savings account for everything. Yes, I do, but I don't have an offset.

No, not yet. Not yet. If you listen to the property playbook, you might get an update on where Jess is at in that process. However, I think this is actually a question for your mortgage broker. If you don't have one, obviously check out Zella Money and they will hook you up. but you can actually find a bank that would have multiple offset options so some banks might say okay becky you only get one offset account but there are a lot of banks that also will let you have as many offsets as you would like so that's the circumstance i'm in i can have as many as i want and i can use them for whatever i want and i have you know different savers set up so that every single dollar that comes into my bank account is working as hard for me as i do free

and i think that that's really important because obviously you know if you've got a mortgage you kind of want to offset the money, especially when the interest rates are as high as they are today. The other way that you could manage it is going back to basics. So let's say that you have had a conversation with your broker and the best possible outcome for you is a bank that only allows you to have one offset account. You could go back to basics and kind of have an app or a spreadsheet or a system that enables you to track how much is in each account technically, but keeping it in one lump sum and then drawing off that to your cash flow. Personally, I would say that if your broker suggests that the best outcome for you is a bank that only allows one offset when

you've said that that's really important to you, to me, that's a little bit of a red flag because when you're getting a mortgage, the most important thing is not just the interest rate. There's so much to take into consideration. There's your personal circumstances, how flexible it needs to be, whether you're going to be fixed or variable, whether you need multiple offset accounts, whether you need lots of different things, lots of different considerations. Some mortgages only allow you to pay off up to a certain amount in addition each and every single year. And you might go, well, actually, I really want to do more than that. So you need to look into every single semantic of your loan before you get involved. Because I think a lot of people just look at that

interest rate and go, I want the lowest interest rate. And it's like, okay, but with the lowest interest rate, might come additional fees and a few constraints that you might not want to consent to. So understanding what you're signing up for is really important. But I guess TLDR, I'd be talking to your broker and asking, hey friend, what bank can I go with that will give me as many offsets as I want? Because that's how I budget in cashflow and that's really important to me, is basically where I'd be going. And if you don't have a broker, obviously shameless plug again, just go see Kate because she'll sort you out. We love Kate. Love Kate. Yeah, well, you have to. She's your colleague. They're the rules I made them. I'm a my broker. They're the thing. Yeah,

yeah. I just get all these people together and I'm like, now, Keith. It's very, very important. But is there anything you guys would like to add to that? I feel like it was relatively straightforward. Get more offset accounts. Yeah. I like to budget that way. So I feel like when I one day buy a house, that'll be something that I try and prioritize for sure. Bec, what's your advice? I would say that you're doing a great job and keep it up. Oh, thanks. Oh my gosh. All right. We've got a bit of a spicy DM to share with you this week. And I say it's spicy, one, because of the topic, but two, you know what Jess said off air before we got recording, Bec? She said she thinks that you, Jess, and I, we're going to be

fighting over what we think is right and wrong here. So you might see the first ever She's On the money street fight. Do you know what? Jess, gorgeous, stunning. Like one of the hottest people I've met in my entire life. Really intelligent. And then she comes out with stuff like that and you're like, you really are from the West side, aren't you? She's got a little bit of West side in her. I believe that she could. I believe that she could take over. Sometimes I'm a little bit scared. You just got to tread with caution. Anyway, this week's community dilemma went like this. Hey girls, need your advice. My partner and I recently broke up. We lived in a share house with two of his friends. There are three bedrooms and we shared the biggest bedroom and had a private

bathroom, so we both paid a little bit more rent than the other housemates. After the breakup, I'm moving back home and he's staying in the house. However, he's asked me to keep paying my rent for the next few months as he can't afford both his and my portion of the rent. I think maybe him and the other two housemates should be splitting this extra rent between them until they find a solution. But then the other housemates find this unfair, which I can understand, as why should their rent increase just because we broke up and I'm moving out? Do I keep paying rent even though I don't live there anymore? Of course I don't want to, but I don't want to put financial stress on anyone. The whole thing is very messy and any advice is appreciated. So I'm going to

operate on the assumption here that it's a 12-month lease okay right what month are we in Jess well I don't know because I'm assuming if they were not on a 12-month lease like they were month to month you would just give your notice to vacate like you would no matter what so just setting that as the ground zero point for all of our perspectives who wants to take it away no you guys can go because I feel like I am going to be opinionated on this because I went through this and I was the one that broke up oh okay okay well then I think Jess you can go first. Okay. I think that assuming you've signed onto a 12 month lease, that is your financial responsibility. Like everyone has moved into this house on the agreement that we

will be living and we will be paying these amounts for 12 months. Yeah. Regardless of your personal life, regardless if you were splitting, regardless if you decided to add a third person to your room and split the rent three ways with them, like your room and the two other rooms have an agreed value that you have all said you will pay for 12 months. So if you've broken up, it's not the housemate's problem. The amount that they're paying should not change full stop. End of story. Between you and your partner, I kind of feel like, again, you've both agreed to pay this rent for 12 months. So as much as it sucks that you're moving out and as much as it sucks that you've broken up, it is still your financial responsibility. Are there ways around that? Absolutely. Like,

could you split the room? Like some nights, like maybe you rotate between your parents' house and there? Shared custody? I don't know. Can you imagine? I couldn't imagine anything worse. I can't think of anything. But do you know what I mean? There are other options you can explore. Do you look at both of you moving out, like replacing yourselves with another couple or somebody else? Also an option on the table. But I just think that ultimately you have signed a contract. That's what a lease is. You need to adhere to that contract regardless of if you're living there or not. If everyone in the house wanted to break the lease, you would have obligations to the property management company or to your landlord. And I think that should still

stand, even though there's like personal dynamics that are now colouring that. And I know that that's a harsh point to take, but that's how I feel. All right. All right. All right. Okay. Okay. I think if what you're saying is true, you can just go ahead and shut up. You're like, she's like, I'm going to cut her. If the assumptions Jessica Ricci has drawn. So assuming the 12-month lease thing. Yeah. Assuming the 12-month lease thing, I tend to agree with you. However, it does sound like it's leaning more toward your regular share house vibe, in which case there's not a lot of commitment there when you're just like in a share house. I would just say, hey, if you want to stay in this house that we both moved into

so you can live with your friends, then you're going to have to pay the rent. But if we both can't afford this anymore because we're splitting up, then we'll both have to move out. But if your friends want him to stay there then they can all agree on a different rent price doesn't mean that i'll be paying equal yeah but maybe one of them can maybe they love the situation yeah maybe they like the living situation and they're willing to pay a little bit more to keep him there and keep the dynamic and stuff like that but honestly it sounds very share housey and i feel like he can get out of this situation easily if he wanted to but seems like he's just really comfortable and he doesn't want to pay any more rent, which I think is a little bit unfair.

If that's the case, I feel like he should move out. Like, I feel like it's a case of either, like, you both continue to pay the rent and you decide who lives there or what that situation looks like, or you, like, one of you moves out and the other takes on the full amount of the rent, or you both move out and replace yourselves. Yes. What do you think? What happened when you moved out?

You were going to be like, no, I paid it all. No, no. He paid it all. No, no. Screw the patriarchy. No, oh my gosh. Make the patriarchy work for you. I feel like I'm being stereotyped.

Is she getting close up? Is she getting close enough? Oh, my gosh. Okay, so the way I was going to start, if you had left me, was around how you structured, I guess, the rent. Like let's say there was like three bedrooms and one of the bedrooms was significantly more. Like are you just allocating rent based on the three bedrooms

that exist and going, okay, bedroom one's worth $200, bedroom twos were $300 and bedroom fours were $500 because of the different facilities associated and attached to that room, right? Yeah. So when I used to live in a share house, which some of you have probably come to string together, was relatively toxic. I also was going through a breakup with my partner at the time and we were arguing a lot, but it was about whether he should pay for my portion if I was leaving and about who should take that on. So the way we split rent was based on the bedroom. So it wasn't based on the occupants of the bedroom, because if you want to bring down your rent, Bec, you could get a roommate.

Like you could just, you know, share that room with whoever. So we would split the rent via three because there were three bedrooms, but there were four people living in the house. So we split bills by four because we went, okay, cool. That bedroom you can use however you want is a $200 a week bedroom or whatever it was but the bills are all equal because we all draw you know basically the same amount of power like unless you're going to get real petty and talk about the light in the bedroom but like we all shower we all use the kitchen etc so that's how we split it and so I think it's really it's smart before you're moving in with somebody to really consider okay well what if this relationship didn't work out I have said so many times plan for the worst expect the best

So like, let's go, Beck, if you moved in with a partner and that bedroom was $350 a week and you genuinely couldn't afford it if your partner and you broke up, like what would be the solution there? And I think having that conversation before moving in is really important. It's not very sexy, but I do think it's important and would have saved this argument. I also look at it and go, okay, I don't think it's the housemate's responsibility because you're the ones that said, okay, I'm committing to this room and you committed to them as much as you committed to your partner, in my opinion, like if the three of us moved in together and I brought my husband, Steve, like me saying, okay, well, I'll take the expensive room because it's the two of us.

That takes the financial pressure off you guys. And I've agreed to do that. I can't just change my mind later because it doesn't work out for me. Like my personal life is not your responsibility and vice versa. So I don't think that's fair to put it on the other housemates. I think you and your partner should work it out. In my circumstance, I moved out because I don't know if you've met me, but I'm the type of person that's like, I'm leaving and then wants to be dramatic. She is the drama. I'm the drama. So I wanted to leave and I did, but I continued to pay rent until we had agreed that that would be fair. So then the conversation came up. Yes, that person took over my portion of the rent and that room was expensive. Who knows what happened after that?

not my circus, not my monkeys, not my business. But we agreed, okay, cool. We've decided to part ways. I'll pay for a few weeks while you work out what you're doing, but I'm not committing to this ongoing. So you can either continue to pay it or they can find a new housemate who is willing to pay it because it was never a completely unreasonable amount. I think that's one of the risks when you move into a house. Let's say there were four people in the house and you decided to split rent equally between all four people, I think that's where you run into a little bit of trouble because that financial burden then is doubling somebody else's rent. And I guess the way you're splitting it means that people aren't going to feel like it's so fair. Whereas if you

just put a number and this is the value of each bedroom, like you can have that bedroom and do with it what you want. Like that's your private space. Bec, if you want to get like five housemates and put bunk beds in there, like, I mean, people aren't probably going to consent to that. But you could technically do that because it's your room to share. Whereas I think that splitting it per head gets a little bit dangerous, especially if somebody leaves, because then it really needs to be renegotiated. And it's about that conversation, right? Like, oh, well, what if Jess leaves? Then there's three of us. Do we need to split it equally? Like, it's just so much easier to put a price on a bedroom and be like, okay, cool. That bedroom's worth X. And then it's the responsibility

of the people in it to work their own stuff out. It's not your housemate's responsibility. Yeah, I agree. Agreed. Jessica thought we were all going to have a fight. No fights. You did. You're backing down now.

She seems too calm. I think that once those mics turn off, she's going to come for a chair. She's a savage. But we did ask our community about it. So we said, have you experienced a housemate unexpectedly moving out? 48% of you said yep. Life happens. Life happens.

If yes, who paid their rent? like this I feel like is hard because it's not just like oh did a partner break up with you it's like if your housemate moved out who paid the rent so 61% of you said they paid the rent until we found someone new which I think is fair yeah and then 39% of you said I paid the rent until we found someone new oh I just don't think anyone should be responsible for someone else's choices financially no neither it's funny because I used to have a housemate way back when same toxic house you're not going to be surprised to hear this, who would be like, oh, I shouldn't have to pay rent over Christmas because I actually go back to my parents' house. Yeah, when uni breaks off,

I go back. And we were like, no, like, I don't care if you're off uni for three months and living at your parents' house, that's technically still your bedroom. And she'd be like, well, I'll sublease it. And we were like, yeah, cool. Like one, our lease agreement says no subletting. But two, none of us would be comfortable with a random living here for three months. Like we don't want to do this and then she thought we were the devils like because she was like I am actively choosing to go and live somewhere else and now it's your burden Jess oh it's just same housemate that stole my underwear and also threw out all the meat yeah this person sounds so do you know what I'm gonna do a little stalky stalk later and see where that person's at right now love to know let's do that

together yes let's do that all right so next we asked if you were in this situation who would you expect to pay the rent? 62% of you said the partner who is still living at the house. 15% of you said the partner who is moving out of the house. So that's quite low. I thought that would be higher. Yeah. And 23% of you said the partner living there and the housemates should cover it. Yes. I don't think the housemates should cover it at all. Yeah. I was going to say my real, like I don't really care how the partners work it out. Like I think that's between you and your relationship dynamic in your financial situation. The line in the sand for me is around the housemates. It's not their problem. No, no. And we had a few good messages that

shed a little bit of insight. So we had one that said, hello, I'm a property manager, so I might be able to help here. If there isn't anything in writing, she isn't responsible, and then in brackets, always have a lease, even when you sublet. So it comes down to what she wants to do morally, which I think is fair. Someone else said, if the lease is a periodic lease month to month. So I think they went down the same thought process as me. It really, I feel like that's a big factor. And on that lease, they need to give 28 days notice and make sure rent is paid up until that date or they can leave before the 28 days, but still need to make sure that they've paid their

rent up until that date. If it's a fixed term lease, it's more complicated and you really should be speaking to your real estate agent or your landlord from personal experience. If they've done the right things, you either split the amount between the remaining housemates or you get someone else in it to cover that portion. Someone else said, did they cheat though? Yeah. I mean, if it's a shit breakup. Yeah. Yeah. I mean, if you want to play that game, I will make it your financial burden. 100%. Like, sorry, you chose that life. Yeah. Like, if you want to do that, that's now your responsibility. And I back anyone who makes that decision. Someone else said, if they both got the place together, then it's both their

responsibility to pay and find a solution to someone taking over that room. Unless the ex wants to stay in that room, then he should pay for the whole thing because she's moving out and that's the solution. Only my opinion though. I think that's really, really quite smart. A few other comments just said split between the partners. Maybe other people said, did they cheat? Did you cheat? What happened? I feel like a lot of people want to know the semantics of this breakup because after all, we are the She's On The Money community and we do encourage pervy questions but we will not be asking our dm this week how that happened because we're not she's on the relationship with she's on the money yeah but i think summary of that is it's between the two of

you it's not actually between the housemates and from what it sounds like your partner wants to stay in that house which means he wants to take over that lease i would agree yeah if he wants to do that and then he can you know work that out however he wishes to work it out and if he does it with his housemates like that's not your circus not your monkeys interesting no fight to be had. Wow. Damn, I really thought this was going to get spicy. And I was kind of excited. We're all too kind to each other. Yeah. Yeah, we'll have a fight later. All right, let's go. I want to get fish pole for lunch. And I hope you guys have the best weekend. We will see you for Money Diaries on Monday. See you later. Bye. Bye.

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