She's On The Money - You Gotta Pay to Play!

Episode Date: March 30, 2023

It's Friday friends so join the gals as they share your money wins and losses and answer a Money Dilemma about HECS repayments. And this week, you slid into our DMs about who should pay when a friend pulls out of a group trip and it pushes the cost up for everyone else. We've ALL been there, so listen in to see what the gals have to say on this one! Links: Victorian Power Saving Bonus 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 again, which means it is time to get the team together and celebrate you, our incredible She's On The Money community. Today, Ms. Jessica Ricci over there is going to be sharing our favorite money wins. We're going to be helping to answer a juicy money dilemma, which this week is all about hex debt. And we're going to be unpacking something you slid into our DMs about. This week, we're talking about when your friend pulls out of a trip and the cost goes up. My friends, how has your week been? Hi. Good. Good week for me.

Good to know, Bec. Good to know. Good busy. Good busy. Good busy. How's your new job going? Are we still loving it? Still loving it. Always too much. I'm like, is there something I'm missing? Should I be happy? Is this a trip?

Yeah. Yeah. I don't want to jinx myself. They're lulling you into a false sense of security. Must be. Yeah, I think they might be. It's exactly how it went for me. How's your week been Jess? Have we decompressed off the IWD high that we've been riding for the last couple of weeks? Yeah feeling good back into routine which is a bit sad but also kind of nice like it's kind of a you know two-sided thing like it's sad because the travel and seeing everyone's

so fun but it's good because productivity much higher than it was. It's so much nicer when you can just sit down to your emails and just like get through them and then be like wow I don't have to get up and run away right now. It's actually very liberating. I like it. I like it. How's your laundry in your own house? My week has been really good. Sorry, what? Oh, no, I just said something silly. I was just talking about doing laundry in your own house is nice.

Anyway. Doing laundry in your own house is nice. Why would we not be doing laundry in our own house? Because we've been on holiday and we've been travelling, Jessica. Because we've only gone short days. I just was like, that's a problem for when I get home. Yeah, I banked all mine up, actually. It's a good point.

I do only do laundry in my own house. And you guys actually worked for my house earlier this week. And I think everyone that walked in the front door was like, wow, it smells like laundry in here because like I had just done heaps of loads of laundry and I was like, yeah, because I banked it all up from March. Sorry. Sorry, not sorry. But Miss Jessica Ricci, I want to know, what are you going to be sharing with us this week? What are our community money wins? Oh, right. I'm actually going to start off this week with a money loss, which came from Lauren, but it's a good reminder for everybody because she said money loss.

My doctor didn't tell me I could go to a bulk billing MRI clinic and sent me to one where I had to pay. Had to pay $270 each time for two MRIs. I'm now in a whole heap of medical fees for my fractured hand. Many tears have been shed. Lauren, I hope you're feeling okay. I hope your week got better. But also, I had to book a doctor's appointment this week just to pick up a new medication. And my normal doctor no longer bulk bills. I've heard that and I got on and I checked and I've heard it's a pretty widespread thing. A lot of local GPs are shifting to normal billing, not bulk billing. So if you're going to go in, check or use the Hot Doc app because it tells you whether they're bulk build or not.

The Hot Dog app is great. It's so handy. I don't know what we did before it. But, yeah, if you're going to the doctor, I would say don't get stung because I, like Lauren, got bit in the butt, unfortunately. So check your doctors. But moving on to a money win, this week I have one from Alexandra who said, I went to the Hunter Markets on the weekend as a storeholder.

I made $700 on clothes I was planning on just throwing out. Nice. I also managed to score Tony Bianco sandals for $10 brand new. Oh, money win. Money win. We held a store there once. We did. I didn't make $700, though.

Me neither. The heck was she selling? I don't know. If you've got any tips for us, Alexandra, let us know. She's like, have better outfits, Jessica. Maybe that was exactly the problem. Stop trying to sell everybody your trash and start parting with those maxi dresses everyone keeps asking you for. Next money win comes from Laura, who said,

I wanted to buy the She's on the Money budget journal, but because it was my birthday on Saturday, I ended up getting it as a gift. Money win. How good. I love a little she's on the money gift. That's cute. I love seeing people make it as a present. I think it's so sweet.

Next, I've got a money win from Taylor who said, money win, I purchased a very reasonably priced secondhand reformer from my local Pilates studio. That's not a thing. A reasonably priced reformer. It's a reformer. How clever though. I would never have even thought to buy one.

A Pilates reformer. It's like an apparatus that, you know, when you see like those really skinny women on Instagram on the reformer Pilates machine. Oh, like the thing you lay down on? Yeah. Oh, stand on it. She bought the whole thing.

She bought like the whole thing. She put a photo of it. It looks real cute in a little space. Oh, my God. Wow, wow, wow. Oh, my gosh. I want one of those so bad, but I didn't realize how expensive they were. And I tried to buy one.

I was looking everywhere. I was on like eBay and Facebook Marketplace and Gumtree. And they were all a couple of thousand dollars. So the fact that she's nabbed one cheaply, money win. We love that for you. And then one last money win that we shared on Instagram this week, the Victorian Energy Bonus. if you're in Vic is back. So previously. $250 rules, Jessica. Yeah. And if you're thinking,

oh, I already got it. I can't get it. No, it's back. They've renewed. It's just renewed. So even if you compared your energy bill previously, you can jump on the website. We'll have it linked in the show notes, or I think we popped it in our stories this week and get yourself a free $250 because why not? Money. Don't say we don't do anything for you. She's on the money. You're welcome. All right, guys, we're going to go to a really quick break, but on the flip side, We're going to be talking about HECS debt and we're also unpacking what happens when your friend pulls out of a trip that you've already paid and now it's going to cost you more. Awkward. Don't go anywhere.

Welcome back, everybody. Should we jump right into this week's Money Dilemma? Because I feel like we're going to have a lot to say. I'm ready. Let's go. 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 hey v and team i just have a question about hex i currently owe around twenty thousand dollars on my HECS debt. At my current job, I have been working there for about two years now. And obviously with every paycheck I get, I get a little bit less and that is going towards paying my HECS off. I have noticed though recently that my job has only made one repayment on my HECS and it's only been for about $1,000, which doesn't really add up with the amount of money that's

been coming out of my pay packet because of that. So I wanted to know how often should our employers be making these repayments and what can we do about it if they're not? I don't have any advice for this one, obviously. I know it's not shocking, but that is a really good question. I do wonder that myself. Is there interest? Like, is there interest on HECS? Indexation. There's indexation. So you're not paying interest, which... Yeah, Jess, carry on. I'll let you take the reins on this one because I know you know. So indexation is adjusted for inflation every year. Is that correct, Victoria Devine? Yes, it is. It's an average of the previous two financial years. So you're not going to get slammed with this year's inflation rate, but obviously it's going to be

high because this year's inflation rate was relatively high. It will be an average of the last two financial years. Yeah. So saying that this year indexation will go up a lot. We had a question a few weeks ago from someone, if I remember correctly, asking about if they should look at paying that back because indexation is jumping quite a bit this year. But that's all we're asking. We're asking how often should we be contributing? And I actually don't know the answer to that, VD. So your employer is actually going to withhold additional amounts from each of your pay period and then send that full amount to the ATO. So obviously, I don't know what you're earning. That context would have helped. Obviously, it's going to be

in line with your income as to how much you're paying back each year. But $1,000 does not sound correct in any circumstance. So I'm assuming that they haven't done that. There could be a couple of reasons for this. So as an employer, I pay back HECS every time I do tax and I do tax four times a year. I do my business tax whenever I get my BAS statement, which was my business activity statement. And that's just a way for small business owners or even just normal business owners to keep up with making sure that, you know, come June 30, I don't get lumped with every single dollar of tax that I was meant to pay for that 12-month period. Like that does not sound sexy. So I do it every three months. So I make sure that your super is done quarterly and I make

sure that everything is up to date and squeaky clean. But I pay on a monthly basis. So I take it out of your pages every single month and withhold it and then pay it in a quarterly amount because that's just when I log in and do that process. In saying that, there are some employers who might do that on a weekly basis because you can do that on a weekly basis. I just don't like admin, so I put it off. Fair. At the end of the day, it's going to depend on the employer, but obviously at the end of each pay period or financial year, they should have sent the full amount to your HECS to make sure it is being paid off. So what happens then is the ATO is going to calculate your HELP or HECS repayments when you lodge your tax return to make sure that

everything's lining up. Because what could have happened is you got a higher paying job halfway through the years. So your help repayments were higher and therefore, you know, there might be a difference there. Or maybe you forgot to tell your new employer that you even had a help repayment and you're in a bit of a pickle and have to pay back a bit more. So they're just making sure that all the boxes are ticked and everything has been done correctly. Obviously, if it turns out that your employer's withheld too much, you might get a refund, which could be really sexy. And obviously, if they've not paid enough, you might need to actually pay and that might be a liability for you. But essentially you doing your tax return is going to tell you whether your employer paid

that or not. So it's not just like a voluntary thing. It's obviously necessary. And you're going to find out when you do your tax return because your HELP slash HECS debt is related to the ATO and completely connected. So they'll be able to tell you. So if you're worried that your employer hasn't done this, I wouldn't go full gung-ho to begin with. I would actually contact the ATO and ask about it. I would log into my portal on the myGov website first, have a look at it. If that's not making sense, I would then literally call the ATO. They're super friendly there, I promise, and they will help you. And they will go, all right, no worries. Let's like have a look at what should have been paid versus what we have currently withheld for it to be processed. But

the best way to find that out is if you do tax return basically. And then at that point, if your employer isn't actually paying the right amount or there's been stuff that has been missed, that's when you would talk to your employer. If the business is bigger, I would talk directly to payroll and be like, what the heck is going on? Obviously it's less, and this is not a good thing, but it's less of an issue the bigger the company. So obviously the bigger the company, the more clean the processes are usually going to be. And if your HECS repayments have been missed, it's usually just like literally a processing slash admin error and they'll probably fix it up real quick smart. If your employer's a little bit of a cheeky rabbit and not doing the right

thing and they're a small business, that might be a harder conversation to be had. But know your worth and follow it. I think we don't need to be aggressive in these circumstances. Just, hey, you haven't paid me this. It needs to be fixed. Otherwise, I'll take it up with the ATO. Could it be possible that it looks like that amount or, you know, what you think should have been paid hasn't been paid simply because of that indexation thing? So it looks like only $1,000 has been paid. Potentially, like if she's looking at like the total amount. On your HECS statement, like if you go into your MyGov portal and click on your HECS statement, it will tell you what payments have been made and what indexation has been applied in separate

line items. So it will be really broken down. It will be very clear for you to be able to see as somebody who has a ridiculous HECS debt still. I look at that and it makes me angry. So I do know that document quite well. But also it might just be because your tax hasn't been lodged yet and it hasn't all been reconciled. So that's why I'm saying just check first because you don't want to accuse your employer of not paying it when maybe they have because that could especially if they're a small business it could just be really awkward like I mean Jess I'd find it really awkward if you're like there you haven't paid this and I'd be like oh my gosh I definitely have let me go fix this yeah like I'm not saying that obviously I'd tackle that head on but I think it's one of those

things where I'd be really upset if there was a lack of trust and I'm not saying that that should ever come into play I'm just saying like approach these things with a level of caution just because you don't want to get someone offside because by saying that, you're kind of saying, I don't really trust this process, please fix. But dot all your I's and cross all your T's beforehand to make sure it hasn't been paid before you go, all right, V, you haven't paid my HEX. And I can go, heck, what has happened? Maybe I've forgotten to do it or maybe I've taken it out of the wrong account. Maybe it hasn't been processed yet. And it can be an open, honest conversation. I think approaching these things as though it should be an open, honest conversation.

Like if I just said to you, hey, Bec, my HEX hasn't been paid. Can we just fix that? it's not so much, oh, I was just wondering. No, no, my hex hasn't been paid. It needs to be paid. Yeah. Like at the end of the day, it's just a very pragmatic conversation. We don't need to make this emotional. So that's where I would be going. Yeah. Speaking of open, honest conversations, this week someone slid into our DMs about a topic that I feel like requires exactly that. What did they say? You're right, Jess. We had a very interesting community dilemma because I feel like this could cause a few arguments in friendship groups. So our DM said, hello this is for the community dm my friends and i have planned a trip to bali we paid for

everything and it was all locked and loaded until one of my friends said she can't make the trip anymore because of work she pulled out and it's going to cost us around 300 extra each and we just don't think we should have to foot her bill after she's agreed her argument is that we're the ones going and she isn't so it's not fair for her to pay not sure how to approach it or frame it for her in a way that she's going to understand. Awkward. That is so awkward. No chance. I've done that before where I've pulled out of a trip last minute. I just, I'm sorry, that's not my money anymore. That's gone into the petty cash. Cut the loss. Like, I feel like in this situation, and I've been that person too. I did it last year when we went to Europe. I had like a little

weekend away booked and then you were like, do you want to go to Europe? And I was like, yes, I would like to go to Europe. So obviously like. I didn't know that happened. Sorry for putting you in that situation? No, it's so fun. And it's a group of friends that we go away with pretty regularly. So I didn't feel bad. It wasn't like I... Now I feel bad. No, no, no. It wasn't like a once a year thing that I like bailed on because then I would feel bad. But in that situation, I literally said, oh, I can't make it. And that was the end of the conversation. Because from my perspective, if I pull my money out, you've accommodated for me within that group, like the accommodation you've accounted for 10 people instead of nine people. And you've, if you've

pre-booked activities I don't see the reason that somebody else should wear my change of mind and I know that it's more complex if maybe you've pulled out because you're sick and you don't want to get other people or whatever but I'm sorry that's still that's still a cost like it's a non-refundable booking from my perspective I don't mean to be rude but like it's the risk you take pay to play baby totally and like you know if if someone else is like hey I'll take your place and I'll pay you but if not then unfortunately it's just yeah there's going to be a bed there that was allocated to you your friends shouldn't have to soak that up like yeah we've done group trips before and i'm sure you guys have done it where everyone kind of has this chat we all want to go on a

group trip you know there's 10 of us going so we find a place that's within our budget because we know all right well beck said that she reckons 200 bucks for accommodation for the weekend let's you know times that by the 10 people that are there if you've set your budgets and you've you know, communicated with your friends, like, this is what this is. And, you know, you've all agreed. For me to then say, oh, well, I don't want to come. My $200 for the weekend should be divided and, you know, soaked up by the rest of you. Absolutely not. Like if you've committed to taking that trip, you've committed to that expense. And if you think you're going to pull out, why are you committing to that trip and lulling people into the false sense of security

that they're going to have a cheaper trip than they actually are? That's not fair. Like from my perspective it's just an inability to take I think responsibility for yourself and your choices or your and again obviously like being sick for example maybe not a choice however you know if you book something really far in advance you know that there's a risk of that happening that's why you have insurance if you're traveling and things like that but I think you can't expect other people to be responsible for your issues or your problems or your choices or whatever like whatever comes up that's a you problem like I don't think it's reasonable and you don't know the circumstances that everyone else is in like maybe they've really stretched their budget to go on

this holiday to Bali which lots of people do oh I used to literally come home with like 70 cents in my bank account when I went overseas like I've definitely been there and so if you had said to me if I was in that situation a week before you're like you're gonna have to cough up an extra 250 bucks I would have been like I do not have that literally do not have the dollars to give you you know and it's not fair like I don't think that you should become a financial burden on other people. Like it is not other people's responsibility to carry you. So I'm pretty cut and dry with that because I have been stung by that before. I've had those arguments where it's like, well, if you're not coming, either replace yourself or pay for it. And I feel like there are also circumstances

where it's like, it's not appropriate to replace yourself either. So like there might be like a couple's trip and you know, Jess, I've invited you and your partner and my partner and I going away and there's another couple and we've all agreed that we're comfortable with that. I don't want you to turn around and be like, all right, well, I'll find another couple that I know that can pay for this and go on a holiday with you guys that we don't know. Like that to me is not an appropriate compromise. Like I think that that's just, you're going to get slapped with that cost because I booked a house with three bedrooms and one of those, regardless of whether you're there or not, is going to be allocated to you, whether you sleep in that bed or not. So I just,

I think it's a really awkward conversation to have and I think that this is such an issue that I think it happened a lot when I was younger right I think now that most of my friends are a little bit more financially secure and maybe a little bit more mature about these things they are like I can't imagine that happening yeah um but I remember when I was like in my 20s and we were traveling and like you know doing the Bali thing or going away for girls weekends and then someone would drop out because they got a shift at work or something and being like, oh, well, no, Becky, actually, you should be paying for that. And they're like, nah, I've got to go to work. Like, that's not like, oh, I do not miss the drama of being in my early 20s. Yeah. Acknowledging that

it sucks being the person on the flip side sometimes. Like, I'm sure that if this person's got a job, they're probably bummed out or if you've gotten sick and you can't go, that sucks. Oh, no, pay for something I can't use? Yeah. I get it. Totally get that that sucks. But I'm interested to know what everyone else thought, because it feels like we're all on the same page. Yeah, I just think that if you're going to book a trip with girlfriends or a trip with any other people, you need to have the mindset of this, if I pay it, is a non-refundable trip. Regardless of what the booking says, it's non-refundable because all your friends are

still going and that's just not fair. Totally. We did ask some exploratory questions, Jess. So we said, have you ever had a friend pull out of a holiday last minute? 36% of you said yes. Lower than I thought, to be honest. Oh, really? I kind of thought it would be like almost 50-50.

So someone said, if yes, did this impact the cost of the holiday you're having? 67% said yes. Yep. They had to absorb the cost. Yeah. I'm not surprised. I'm just mad about it. I know.

Someone said, did you pay the difference or did they? 51% said, yeah, we had to make up the difference. 49%. Nope. The person who pulled out paid the extra. Yep. The heckin'. And then when we asked for your two cents,

a lot of people, obviously, I'm not surprised that this happens. That happens every week. They agreed with our point of view, Jessica. It's almost like we are our community, but also people were like, oh my gosh, this is such a tough one. Both sides are valid. Can't wait to hear the consensus on the pod. You're welcome. Listen deeply. Hope you enjoyed. Someone said, I'd feel so uncomfortable asking a friend to pay for a holiday they can't attend, which I think is a flip side. Like I get that. I get it. I get it. But if it's everything's been booked already, then they're not

going out of their way to pay for something that they can't attend it's more like everyone paid I'm assuming everything's being paid for and they kind of want their money back is that what's happening yeah I think so I feel like it really filters into the reason that they're not going as well so like if your friend had said oh my gosh I've just found out that I've been made redundant I have no job yeah I feel like in that circumstance you probably would be more open to having the conversation we're like okay like we get it like being empathetic I can understand and be more inclined to absorb the cost but I think if in this situation I'm really sorry I can't go at clashes I've just got a new job you were applying for jobs knowing that you had that coming up and

it's either a conversation that maybe you could have had with your new employer like can I start afterwards it's not really something that I think is reasonable to put back on I just I couldn't agree more. I like the general consensus for me is you should not be somebody else's financial burden. Totally. Like that's from me. And a few other people said, look, it depends how far in advance the trip was booked. Can they find a replacement or is it too late? If it's too late, they have to pay, which we obviously have just touched on. Someone said, it makes me so frustrated as this has happened to me. It's why I just choose to travel alone or only with my boyfriend. Someone said, obviously, it's completely dependent on the reason they've dropped out.

someone said if they knew it was non-refundable i.e with the hotel or the airline then they have to front the bill and then yeah everything else was a little bit very similar to what we said and then someone else said it seems pretty greedy on my friend's behalf yeah i was like oh okay like i feel like that's aggressive because i think you've touched on something jess it really depends on what it is like i mean if a parent got sick or something really popped up i would be like oh my gosh like obviously i would prefer not to spend this but like i don't want my friend to be out i I think that friendships are give and take. Like I want to support my friends where possible

and I'm not the type of person, even though I'm being quite aggressive in this conversation, I would say I'm a relatively generous person. Like I don't want other people to, you know, be financially struggling or, you know, I'm the first to go, oh, my God, well, Bec, if you can't afford it, like I'm happy to chip in a little bit more. That's showing my privilege.

But at the same time, if I didn't have that amount of money, like it would be a stress on me and that's not fair to expect. So I think it's one of those things where it is really situational. I have a hypothetical for you. All right, I'm ready. So 10 of us have booked to go to Bali together. Yeah.

Someone's pulled out because they've got a new job. They've given us eight weeks' notice. The hotel, we can still refund it. Okay. Do we go through the effort of refunding the hotel, finding a new hotel, rebooking the hotel, based on the fact that this person can't come and they're refusing to pay the cost?

like would you like do you think it is worth with that much notice going to that effort with that much yeah yeah so i would say no do you know why i'd say no why because you told me that we're traveling in a group of 10 yeah how much is the accommodation like is it you know 200 bucks or is it two thousand dollars like are we staying in a luxury villa because i'm assuming if we're traveling as a group of 10 we probably had to book somewhere that sleeps 12 to begin with Do you know what I mean? Sure, okay. Because if you book somewhere that sleeps 10, then it's usually like four bedrooms and

then two people have to sleep on the couch. Sure. But if you book, like I'm just thinking too much about this. I'm really sorry. This is like playing Would You Rather. Yeah, I hate playing Would You Rather. We do this all the time. Bec, we play Would You Rather when we go to airports and we're sitting like in the lounge

waiting for our flights. And I love that game. And Gabby always asks the best Would You Rather questions, but then Jess gets into the nitty gritty of like, well, okay, well, if I had to. I need to have all the information. Yeah, like I need to have all the information and if I was going to be a dog with human hands or a cat with a human face, like, am I pretty? Yeah, you really, I totally get it. You've got to get right into the nitty gritty of it before you make that decision.

She's like, are my hands, if I'm a dog with human hands, are they functional? Like, can I wave? Yeah. Yeah, okay. Anyway, I think that that's important because am I going to go find another place? is the cost actually just going to be the same to have somewhere that sleeps nine people instead of 10 because it's a group booking? Or do we book separate hotel rooms for every single person staying, in which case it might be worth it. But if we booked a group holiday and we've booked a

nice villa and there's 10 beds and one's allocated to you, I don't think we should be changing locations. Sure. This is probably why people don't go on holidays with me. If you're the person who is cancelling, do you think a good way to approach the conversation, if you have this theoretical abundance of time, is to say, I've looked at the cost. I don't want to put you guys out. Here's a potential alternative. I'm happy to do the admin work to cancel and report. Oh, that's kind. That's kind. Do we think that that's maybe like a happy medium? If you're this person in a situation that we're acknowledging does suck. Absolutely.

Is that maybe a middle ground to approach it? Absolutely. If there's a cheaper alternative and you've offered to do the grunt work, absolutely. Yeah. I think that that's actually the smart thing to do or even offered suitable alternatives yeah yeah that's a nice middle like the finding of the person that you were saying before like if you have an activity and it's reasonable to you know bring someone else in like oh i can't make it but my other friend that you're also friends my colleague yeah he's my co-worker but to overlay that like let's say we do that someone's yeeted and they're not coming on our group chirrup at 10 it's now down to nine you and I know Jess that there's a spare bed so we invite another friend

you now are under the obligation to release the first person I think because you've replaced them oh absolutely I think we give back her money away no no no they can't pay in addition so like you you replace it go all right Beck like you get your money back because we actually found someone to replace you ah yes but you should have been in the position from my perspective to say okay well I'm going to pay for this unless I'm replaced. Yes, okay, okay. But that person who's replacing can't pay? Is that what you're saying?

No, no, they pay. They pay you. Exactly. I think the person replacing pays. Yeah, they pay you. Yeah, they don't get a free ride. No, it's like a bond transfer when you're in a share house. Oh, yeah, that's such a good analogy.

Yay! It's a bond transfer in the share house. Yes. The temporary share house. The temporary share house. Temporary share villa. We should go to Bali. I love where this is going.

Do you reckon we should get a villa in Bali? She's on the money. If there is a single person in Bali who listens to this podcast, we'll come and meet you. Yes, hang out with us. We'll do a Bali meet and greet to make it a tax deduction. We could pack up all our pod stuff. Oh, gorgeous.

We could podcast from anywhere. I just don't want to spend too long there. It'll be like a Tarte trip. Does anyone ever show my age? Yeah, that went down really well, Jessica. So back in the day, I'm getting eye... Tarte's a makeup brand. ...to give me the eyes.

Oh. Yeah, Tarte, T-A-R-T-E. I'm getting way off track. I might get this. No, it's fine. No, I love it. If this makes it to the pod, just know content this week was dire. It's a beauty brand.

They used to do makeup trips for influencers. But they would go and they would go to Bali and they'd do these huge villas and they'd brand everything and they'd be free stuff. Anyway, it was a whole thing. Okay. And then they did it again this year. It was like the first time post-COVID and it blew up on TikTok because there was a lot of discourse around who was invited

and how much money they spent. It was like literally no diversity. It was horrendous. No diversity. But also people not really comprehending the fact that it was probably more affordable for them to send everyone on this luxury trip to Dubai, I think it was, than it would be for them to buy an add-on television, for example.

So it's like a cost-benefit thing. Right. Getting very off track. But anyway, like we could do that, but everything would take. It was also just a little bit insensitive coming out of COVID, being like here's a big fancy influencer trip. Anyway, there's a lot to break down about that circumstance. But I'm sloping to it.

Just want you guys to know that. Catch Zimbali one day soon. We can brand a villa. She's on the money. Do you know what? It'll probably be cheaper to have a villa in Bali for a month than it is to rent our office in the city for a month. That's very sad.

So I reckon that's a good trade-off. Let's go. Let's do it. Let's do it. Really, really quickly to get back on track. Why are you putting us back on track? We don't want to hear this. I'm sorry for making you guys work.

We want to go to Bali. We can do that. We can do that straight after. So in this DM, they did mention, how do I best approach this so that the other person can understand it? Such a good point. Send them this episode. So send them – but also I would say –

It's very aggressive. I know that. It's aggressive. They might know you've been talking about them. It's really aggressive. Imagine just sending this without any context. Maybe don't do that, actually. Maybe just like –

Send it to them with a timestamp so they cut all the other stuff and only listen to the part that's about them. Yep, yep, yep. Or I would say just kind of explain it. Give them some quick math. Actually, maybe give them too many numbers so they get a bit confused and just say, okay, I'm happy to release the money. That is not acceptable, Bec.

Not in this community. Not in this economy. Bamboozle them. Bamboozle them is the best way to do it. Confuse them. Just explain that, you know, you guys all took into consideration how much you're willing to spend with that person in mind and you would have calculated it differently

if you knew that they were going to bail. So you can't all afford to put out any more money at this stage. And hopefully they understand. Anyway, that's my two cents. And a good lesson for anyone going forward if you are booking big group trips is maybe have that conversation up front and just say, hey, everyone, we're locking this in. if anyone's got to pull out are we all on the same page in regards to you bail too bad there's

a whole conversation to have around that as well about what happens if everybody doesn't want to chip in and then someone's put it on their credit card and they're out oh my gosh that's a whole thing but i think maybe it's a whole episode for the future oh my gosh yes let's do another episode about traveling to bali but we do it from bali yes she's really she's like hyper fixated at this I'm going to do it. Catch me in Bali, guys. I will see you there. All right, talking about catching me later, I think we should go.

This episode has gotten off track. I think our producer's going to have something to say about it. But what we can do is go to Bali so she can't catch us. Good idea. See you next week, guys. Bye, guys. Bye. Bye.

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