May 15, 2025 • 39 mins
It’s one thing to feel bad about your own money decisions… but what if it’s your parents making you feel worse? This week, we’re diving into why family opinions about how you spend, save, and handle your money hit harder than they should, and how to shake off the guilt so you can make decisions that actually work for you (not just to keep the peace at family dinners). Then, we switch gears and tackle a huge financial decision selling your home. What are buyers actually looking for right now? And when your real estate agent offers advice, should you listen… or trust your own research? Plus, the usual chaos: slightly rogue broke tips, some brilliant money wins, and a very important conversation about whether IKEA meatballs count as financial self-care.
Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here.
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Hello.
Speaker 2 (00:01):
My name is Satasha Nabananga Bamblet. I'm a proud or
the Order Kerni Whaltbury and a waddery 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 a wondery country,
acknowledging the elders, the ancestors and the next generation coming through.
(00:23):
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.
Speaker 1 (00:33):
Let's get into it. She's on the Money, She's on
the Money. Hello, and welcome to She's on the Money
(00:59):
the podcast. The Mets finance fun especially on Fridays. It
is our favorite day of the week because we get
to get our little team together and celebrate you our
incredible She's on the Money community. As always, we have
Miss jessic Ricci here sharing our favorite money wins from
the week. Miss beck Sayed is sitting very pretty today,
you are very ready to go, and she's got three
(01:22):
surprise broke tips for us. We are also going to
be helping to answer our money dilemma, which This week
is all about being money shamed by your parents and
something that you s lead into our DMS about whether
you should trust an experts advice you don't agree with
when it comes to selling your house. Who's that real
(01:44):
estate agent really work for? Interesting? Anyway, before we get there, guys,
how have your weeks been? My wee's been good. Nothing
exciting to report except I've got a parking ticket. That's no,
you did?
Speaker 2 (01:56):
It?
Speaker 1 (01:58):
Was that last week while recording the podcast? Yes, it was.
Oh my god, Why why are they so on it?
Speaker 3 (02:05):
Well, that's the thing is I missed it because obviously
we're we're recording.
Speaker 1 (02:09):
It's like, well we record till we record.
Speaker 3 (02:11):
So it wasn't even like a big window, and they
somehow fucking and got me.
Speaker 1 (02:15):
I would be saying absolutely not. I was not there. Goodbye. Yeah, sorry,
I mean it's worth a fight for ninety million dollars
as well. Just say something happened. Yeah, give it a crack. Sorry,
I was spending too long at seven eleven picking out
my favorite sushi. Yeah, yeah, I'm sorry. How annoying and annoying?
(02:37):
Well did you get any parking tickets? I didn't, No,
I didn't.
Speaker 3 (02:41):
This way I love it.
Speaker 1 (02:43):
I usually do. Reflect What do you mean you usually do?
Speaker 4 (02:46):
I'm sure, like I like, I go on not long ago,
but it's I did try and find it.
Speaker 1 (02:50):
I haven't heard back yet, so fingers quicks. But how
many outstanding parking tickets do you have at the moment, honestly,
And I know it is quite stresful about it. I don't.
Speaker 4 (02:58):
I have no idea. I don't even know what start.
Speaker 1 (03:01):
I know I have one, and I've left it too late. Yeah,
So I went on the website to pay it and
then it said I couldn't pay it, which means I've
left it too late. Now I'm just waiting for them
to reissue it because I know that it's going to have, like,
well money, this is the thing, Like, I'm not that
good at money, guys.
Speaker 4 (03:21):
If you wait for it to go to Vicarod's, obviously
there is a fee, but then you can pay it
by installments, so that is always a good option. And
you can pay it as long as you pay within
ten years apparently, so you can tell me one dollar
a month for the rest of your life if you
wanted to anyway.
Speaker 1 (03:38):
That is terrible advice, terrible advice. But you know what
you got to do, what you've got to do, exactly,
But no, my week has been really lovely. Nothing partnering
tickets that she's aware of, Yeah, not that I'm aware
of it.
Speaker 4 (03:50):
I'm be getting one right now as we speak. But
I know I said I would make up some juicy goss,
but I feel bad lying. So it was a smooth, easy,
fun Gordgeok, I loved it that I like it, Yes,
exactly right.
Speaker 1 (04:03):
And you I'm still dreaming about Jessica's cookies. Oh my god,
say yes, that never goes away. It's just been a
constant in my life. But that's okay. I don't have
anything that interesting. Honestly. I feel like Mother's Day has
come and gone and that was really cute.
Speaker 2 (04:20):
You know.
Speaker 1 (04:20):
Obviously Harvey went all out. Of course, he definitely planned
all of those things, and my husband had absolutely nothing
to do with it. It's weird how like sentimental I
get now around Mother's Day. I'm like, oh, I is
this how my mom felt about it? Sorry about the
crap cards over the year's mum, So that was nice,
(04:40):
but nothing to report really. Would you like to have
a little five star review? Yes? Please? So are you ready? Okay,
I have one, and I think it's really cute. It's
from Rebecca Are five Stars. It's now part of our
weekly routine. I found that she's on the Money podcast
after having my little boy, Are you Ago? The girls
(05:01):
are now part of our weekly routine, and my son
bops along when he hears the intro music. Thank you
for taking me from feeling anxious and uneducated about the
complexities of money to confident and informed. The warm personalities
of all of the girls and their funny banter makes
for great listening on all of our pram walks and
car trips. Oh that's lovely.
Speaker 4 (05:23):
Thank you, and welcome to the world, little friend. I
love that you're about the same age as Halfy.
Speaker 1 (05:32):
I'm wondering, do you reckon? You know how they say
you should really talk to your baby all the time,
like it helps their language develop. Apparently not mine, but
it helps their language develop. Do you think I could
just play my own podcast? Maybe I think so, But
also like maybe they need to see the mouth movements.
I don't know. Oh yeah, and also then you just
(05:53):
the tally on. I am not gonna lie. It has
been a fair few years since I've been willing to
listen to one of our own podcasts. My own voice
still surprisingly gives me the literal pic and I can't
think of anything worse than having to listen to my
own podcast in the car, like I would prefer to
sing hop Little Bernie's Hop Hop Hop like that many times,
(06:13):
or even just like the Happy Song by Image and
Heap like on repeat. It just exists in my brain
on repeat, like I can sing you that whole song
end to end and I can repeat it if you
want me to.
Speaker 4 (06:24):
Yes, please, They're claud that little Rebecca jams out. Yeah,
thank you, Little Mini Rebecca Minnie Rebecca Mini Rebecca.
Speaker 1 (06:31):
All right, guys, I want to know, Miss Jessicci, what
are our favorite money wins of the week? Rady.
Speaker 3 (06:36):
This week, my first money went from Mim, who said
she found an email from Mecca in her junk. She
had a fifty dollars vouchert from beu Loop for her birthday.
Speaker 1 (06:44):
Oh what reminder they do.
Speaker 3 (06:46):
I'm so sad they brought it in just after my
birthday last year, but they do give vouchers now.
Speaker 1 (06:50):
Can you use me such a good birthday gift? My
birthday is coming up next month for Mecca. If you're listening,
I would love a little voucher. You should get one
in your email.
Speaker 3 (06:59):
Me said that she redeemed it on an in store facial,
so they're normally one hundred and twenty dollars, but she
paid seventy out of pocket. But then the Mecca Beauty
Services are redeemable on product, so she basically got a
free facial and one hundred and twenty dollars worth of
product for seventy dollars. Great great one from mim. Next,
I've got a money win from Sue, who said she
(07:20):
was debating buying herself a Ninja Creamy to make some
protein based ice cream treats, and she realized she had
enough A and Z points to buy an Amazon gift card,
so she bought the Jaja Creemy on Amazon, and she
also used shop back to get some cash back on
her purchase. Plus, apparently, for some odd reason, the fancier
model was selling for the same size as the regular one,
so after all of that, she only paid nine dollars
(07:42):
out of pocket for her Ninja creamy.
Speaker 1 (07:44):
Oh I love that. Very impressive. One way of chess
is like, Sue, please tell me how to get a
Ninja slushy genuinely.
Speaker 3 (07:52):
Next, I've got a money loss from Ali. She said
money loss arrived in Japan, but I'm not mad about it,
which I just thought was funny. I feel like everyone's
in Japan and it is a loss because you just
want to buy all the cute things there.
Speaker 1 (08:02):
I feel like when you went to Japan, that's all
you did.
Speaker 3 (08:05):
I loved it, and all my money at seven eleven
and on sunny angels.
Speaker 1 (08:09):
No you didn't. You also spent a lot on skincare.
That's you. Yeah, you have arguably the nicest shampoo conditioner
as well. That sounds delightful.
Speaker 3 (08:18):
And then lastly, this week, I've got a double whammy
from wonder if she says money win and loss is
me realizing I have.
Speaker 1 (08:26):
Dice? Scally, I need to google how to pronounce that?
Would you like me to have a look? Hey, god, wait,
let me just plug it in. No, this is funny,
Please Sam, don't edit this. It wrong? Where's the pronunciation?
What doesn't just want to say wrong? She won't even
show us the word. We can't even attempt it. All right,
you just got to believe it. She's just going to
say something now, No, we're keeping this word. Give it
(08:48):
your best. Go let me see hang on. Oh yeah,
I can't even read that far? Do I need glasses?
Speaker 4 (08:54):
Hellaculiace placulia, Actually quite close.
Speaker 1 (09:00):
It's dust calculia.
Speaker 3 (09:02):
It's called healthy internet, which is a neurological learning disorder.
So one has been Did you not with the word
that I just pronounced?
Speaker 1 (09:11):
Sorry? Is that dyscalcula? Not according to the Internet? Oh okay,
is that the one way you're about it? Numbers? Discalculia, discalculia? Okay, yeah,
maybe it is the same thing. It's the one where
you can't it is numbers of mass. Yeah, it's like
being dyslexic, but it's for numbers. I see, I see,
I see. Well I didn't know what was called that.
(09:33):
There you go? Do I mean?
Speaker 2 (09:33):
This?
Speaker 3 (09:34):
Calculating is much easier to say either way. One has
been diagnosed with this, and she said it's explained to
her why she's been recently struggling with her finances. She
said it inspired her to find a simple way to
track her spending and get back in control so she
can tap away all of her goals, take her emergency account,
payetro on the walkage et cetera. She's just using an
Excel template, but then she copies and pastes, sees exports
(09:55):
from her bank and stif Just.
Speaker 1 (09:57):
So, I thought really cool to go.
Speaker 3 (09:59):
Oh, like sometime and people having a hard time, it's
not just because you're bad at something.
Speaker 1 (10:03):
It's because actually something going on.
Speaker 3 (10:05):
There's a little bit of your diversity and you just
need to learn what workaround works for you.
Speaker 1 (10:09):
Yes, percent, but that's a good one to end on,
Miss just Goci, Miss Becksies, have you got some broke
broke tips for us?
Speaker 4 (10:18):
I certainly do.
Speaker 1 (10:20):
You're talking to one of our producers earlier about unethical
life tips. Is that going to go into the broke
tips of this week? Not yet? Not yet.
Speaker 4 (10:31):
I think it's a slow steady I like it picaso.
Speaker 1 (10:35):
But also let's make sure they're legal. So absolutely, what
three legal broke tips are you bringing to the table
this week? Well, also just really quickly with the unethical
life just really quickly.
Speaker 4 (10:46):
They might be unethical, but they work sometimes you really
are just trying to survive.
Speaker 1 (10:50):
So oh, no judgment. But like we're a we're a platform, Beck,
we can't be posting unethical life hacks because that would
be unethical of us us. I don't judge people for
doing it. In fact, sometimes I'm like, I wish we
could share that on the pod. That's kind of funny.
Speaker 4 (11:05):
Exactly well, survive, but don't see you.
Speaker 1 (11:09):
We aren't allowed to amplify you at this point, at
this point in time. So the first one comes from Cordelia.
This one seems like, oh, do you think a buffy.
Speaker 4 (11:23):
Yes, it could just be you know of say common knowledge,
or maybe we've even mentioned this a couple of times.
But I think it is helpful. If you pay with cash,
it does stop the mindless tapping. But also at the
same time, if you are paying in cash and you
don't have access to anything online, that also stops you
from buying online and finding something like you just you know,
(11:44):
when you're scrolling through Instagram and you're like, oh my.
Speaker 1 (11:47):
God, you can't pay for that in cash.
Speaker 4 (11:49):
You can't do any impulse not Also because it is
physical and we had this before, it does if sometimes
it feels harder to physically part with the money. So
I think that is a fantast stick tip. This next
one is I care do fifty percent meals on Friday
and three dollars for Brecky and unlimited refilled coffee.
Speaker 1 (12:09):
I'm sorry, what are you saying? Half primary balls?
Speaker 2 (12:13):
Me?
Speaker 1 (12:14):
Oh, the meat balls live rent free in my brain.
I do you know you can buy them frozen as
well have it home, can you?
Speaker 5 (12:20):
Yes?
Speaker 1 (12:20):
Yeah you can, yes, I know, yes, from the little
cafe out the front. You can buy them frozen. You
can get the gravy, you can get the red jelly stuff.
It's Lingenberry, by the way. And they also do the
mashed potatoes, but I would just do mashed potatoes at home. Yeah. Yeah,
but you can get the males. In fact, I really
want to go get them now because now we're talking
(12:41):
about them and I'm low key really hungry. Are we allowed?
It's quite close to our studio and is that so close?
Is that like? Can we use that as our lunch room? Yeah?
Meatballs for all.
Speaker 4 (12:55):
Obviously my one is next, so it is similar to
the first one I mentioned. I have realized because I
created a new bank account put my savings and also
direct deposits in. I just like and I don't want
to look at finance clean now now. But I noticed
that because I'm like mentally really lazy. I don't know
if this will work with for anyone else. But as
soon as there's like two factor authentic authentication or authentication
(13:20):
authentic authentication from I don't know, from authentic authentic yeah, okay,
well well ignore it doesn't like two factor authentication. No,
and especially in particular if you have you know, when
you have to download Microsoft Authentic like a second, Yeah,
you get a code if you put two factor authentication
(13:42):
on things that you do not want to access, including
like a savings account or let's say like a place
like you know ASOS or depop or something where if
you just whatever has the ability for you to put
the two f A on, put it on, and you
might find that you're spending or even like tapping into
those savings really decreases, because if you're anything like me,
(14:06):
as soon as it says retrieve a code, I'm like,
I've already gotten distracted. I already I just cannot be bothered.
I just think it's a great way to like give
yourself that extra time to not access those things.
Speaker 1 (14:19):
So just really good. It's probably more of a nearest
spicy thing because there are going to be people listening
to this going, what is your problem with doing two
factor authentication? Yeah, maybe, like it's furine safety. It's to
this nah more admin less interest if you're nearing now,
I've got ADHD. Sorry, not interested anymore? You mean I
(14:40):
have to go find my phone? Absolutely not exactly. That
idea is out of the window. Absolutely an option, not
an option. Thanks for trying, though, that's it. Nope, I
get it. I get it. It's like your broke tip
the other day was like, don't have the credit card
information auto fil? Yes? Yeah, like me, I'm not getting
up and going and getting my credit cards so I
(15:00):
can make that purchase. In fact, I don't even want
that purchase anymore. Learned mine, I've got memorized. Yeah, absolutely,
not the same. Unfortunately it's memorized. But if you try
and forget, then that's where you wait for your credit
card like validity to end and then they give you
a new credit card and then you're golden for a while. There.
That's true. So that's me this week. I love that.
(15:22):
All right, let's go to a really quick break because
on the flip side, I want to jump into having
a chat about what to do when your parents money
shame you, which is, by the way, really rude. So
spoiler there I've got opinions and then something that you
slid into our DMS about. We're chatting about whether you
should trust in experts advice that you don't actually agree
with when it comes to selling your home. So guys,
(15:44):
don't go anywhere. Welcome back, everybody. Let's take a listen
to this week's money dilemma.
Speaker 2 (15:55):
Hi.
Speaker 1 (15:55):
There, have you got a money dilemma you just can't solve?
The She's on the Money Tea 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.
Speaker 6 (16:19):
Hello, Hello, Hello, So I'm currently in my mid thirties,
well thirty six light save thirties. Anyway, I just got
back from overseas and spent on money while traveling, and
so I've come back for no money now upset. I
feel shramed about that, and my parents keep shaming me,
being like how many times are you going to do this?
(16:40):
And I do feel like I've got this negative money
my story that I've convinced myself that I'm not going
to save you money, like I'll save money for like
a year, and then last year I got my redundant
so whenever seas it's spent my reduncing money. I did
try to have some safety money there.
Speaker 5 (16:56):
But obviously just got carried away with life of traveling
as I love it. And then yeah, once again come
back to no money, and I think my parents say,
you know, how many times are you going to do this?
Or you're in your thirties and you're doing this, like
you know how many times are you going to get
yourself into a position where you're not saving your spinning money?
Speaker 6 (17:17):
And so.
Speaker 5 (17:19):
Yeah, I felt shamed. I felt really embarrassed. I feel
really like I guess useless for that or like I'm failing.
And so I just want to help get that money
mine reset and not associate myself with that so I
can just see on track and hopefully have a bit
of money story and give it better.
Speaker 1 (17:38):
That breaks my heart, like literally that makes me feel
so awful for you and like thank you for being
so open with us, because to say, oh, I'm really embarrassed,
I really feel bad about this. That takes a lot
to even just like reach out and be like, I
kind of need a little bit of help here. One
thing I will say is I can always guarantee if
your parents heard that audio of you going, oh, I'm
(18:01):
feeling really barrassed, I'm feeling really shamed, they would feel
really ashamed. Because I don't think and I'm this is
maybe benefit of the doubt. I don't think your parents
realize how they've made you feel like and if they have,
like they owe you an apology. But can we just
zoom out a little bit? So you're telling me that
you got made redundant and then you went overseas and
probably have created all of these beautiful core memories and
(18:23):
had the best time. I'm sure you have all of
these great friends and experiences and things that you've done.
How many more times am I going to do it? Mom?
And Dad? End list? If it ends up that way,
Like I had a really good time. Like don't get
me wrong, Like I can see that you want to
change your money story, and like there is a way
that we could do both right, Like there is a
way that we have savings and we have you know,
(18:44):
an emergency fund, to fall back on, and we have
all of those things, but they come from education. And like,
I'm sorry, are your parents shaming you after not sitting
you down and teaching you how to do these things? Sorry,
you're telling me that I should be when you're going
to get your stuff together? I don't don't, Karen, When
are you gonna teach me? When are you gonna sit
me down and be like hey, like, I'd love to
(19:06):
show you X Y and Z No, no, Beck, how
do you feel about this?
Speaker 4 (19:09):
I just like I'm hearing this and I'm like, man,
it is wild that we're here and we do talk
about this, But I'm like, why is there just this
like template.
Speaker 1 (19:23):
Of how we should and shouldn't be living? Some people
just don't work like that.
Speaker 4 (19:27):
Like I don't have the natural organic motivation to say
for something I do not care about. Every single waking
second is dedicated to being excited and living life and
having fun and that should be just as valuable as
(19:47):
saving money, because it is very impressive. Like JESSRICKI, you
are such a good savor, You're so good with money.
That is extremely impressive. And there is myself and some
of my friends who are live in life been doing
crazy things and just like going out and getting like
making all these beautiful memories and that is cool and
that is fun. And I'm just like, I don't know
(20:08):
where this comes from. I understand that you do need
for like safety reasons and emergency fund, but when you're ready,
you'll figure that out and you'll also find a way
that works for you. Because personally, for me, I've been
on this podcast like three years now, and I still.
Speaker 1 (20:22):
Do not have been three years. I feel like two
and a half. No, no, no, no, no, Like I'm not questioning it,
just I feel like I'm here. But then also time
flies when you're having fun.
Speaker 4 (20:33):
Exactly right, And I still do not have an emergency fund.
But I realized once I started like investing that that
is for some reason, there's a part of my brain
that cannot touch that money. And so there's like almost
six hundred dollars now in investments.
Speaker 1 (20:47):
Oh really, it's not I'm so excited about this. I'm
just so proud of like the beck you've become.
Speaker 4 (20:53):
Thank you, But you know that's that's what I mean, like,
is that like that works for me, and that's money
that I just feel like I can't touch. For some reason,
but that was in my savings account. It would not
exist on the journey. He has been fun. I've connected,
I've bonded, I've made friends, I've done wild things, and
I just it is embarrassing.
Speaker 1 (21:11):
No, it's not. No, it's not no, but it feels
embarrassing when you're on the one hundred percent, it feels it,
but it is not embarrassed. You're allowed to feel embarrassment,
but that does not mean that it is an embarrassing things.
Speaker 4 (21:23):
It feels embarrassing, but it also feels deeply unfair that
there's this this this like base level template for how
we think and feel and how we're meant to live
that doesn't fit everyone. It actually, I don't think it's
a lot of people, and we just we just blindly
accept it and we live like that and it makes
some of us deeply miserable. But sorry, that's just how
(21:45):
you meant to live and.
Speaker 1 (21:46):
Now it's not. And I agree with you that that exists,
but it frustrates the hell out of many that you
can't just be happy, like people are trying to tell
you how to live in line with their values, and like,
don't get me wrong, I'm so opinionated, but like I
would like to think that it's on the things that
(22:08):
aren't about you making the decision that is aligned with
your genuine thoughts and values and beliefs lack. And it's
like when we were talking about politics, so like the
election has come and gone, and throughout that process I
literally kept saying because people would message me like, oh,
who are you voting for? What are you doing? And
I'm like, I'm not even sharing that because I just
(22:29):
don't want you to think that I would judge you
for voting any differently, Like if you vote the same, great,
I'm sure that people could probably like clearly and very
easily speculate who I voted for. I don't think that
if you consumed all of my content you wouldn't be
able to guess that. But I also go, but I
don't care who you vote for. What I actually care
(22:51):
about is that you voted in line with your values,
Like have you spent the time and the energy to
work out like what you like, beck, and like what
things align with that? Like that's all I care about,
you living the best life for you. And it's like
when I say, oh, Beck, I'm so proud of the
Beck you've become. It's because past Beck would have been like,
oh my god, Like Beck's still having fun, but she
(23:14):
also feels a little bit more financially secure. And how
sick is that? Like, it's not because you've adhered to
somebody else's values or copied my investment strategy or whatever.
It's because you're living in line with the values that
you hold. And that's so friggin' cool, thank you, But
like that's what we want for our communities. I don't
when you feel judged by parents who are living a
(23:36):
lifestyle that you probably don't even want exactly do what
makes you happy? Karen, I don't actually want to live
like you. Yeah, I completely agree.
Speaker 3 (23:45):
I think that Beck, You're so right that there is
so much value in non traditional pathways, like there is.
Seeking joy from your life is not a bad thing.
And if that means that you're going against the status quo,
like I think it takes a lot.
Speaker 1 (23:57):
Of strength actually to do that.
Speaker 3 (23:59):
Will say that I suspect that your parents' conversation is
coming from a place of concern for your future stability,
and I understand that, Like I was someone we've seven
the podcast before, like I would travel and come.
Speaker 1 (24:12):
Back with like literally no money at all.
Speaker 3 (24:14):
But like now, when I reflect on that, I go, oh,
on some level, I wish that I did it differently.
Speaker 1 (24:19):
I don't regret traveling at all.
Speaker 3 (24:21):
But I do wish that I had more financial literacy,
which at the time I didn't like me.
Speaker 1 (24:28):
You don't know what you don't know, right, correct.
Speaker 3 (24:29):
I don't think it's cool the way that this has
come about, and I'm so sorry that they've made you
feel this way, because you absolutely shouldn't. But I do
think it's cool, as someone who had that experience myself,
that you have come to a place where, like, I
want to know more so I can create something better.
And I think that that's really awesome that that's how
you're feeling. And I just want to say that you
can have both, Like you can still do the things
that you value. I have still traveled, even when, as
(24:52):
you said, I'm quite a good saver. I still travel.
I still do things that bring me happiness whilst still
working towards my financial goals. You don't have to entirely
sacrifice one for the other. But I would say that
my worry for you, which is my worry for you
to beck, is I always just want people to have
an emergency fund. I never want someone to be in
a position where, you know, if you were overseas and
(25:13):
you got injured, or if you were at home and
you suddenly found yourself without someone to live. Like, my
worry for anyone, but for women especially is that they
find themselves in a situation they can't get out of
because of money. And so I think it's exciting that
you're entering a phase where you kind of want to
start working on those things, because having a level of
financial security is also very freeing.
Speaker 1 (25:34):
I think you'll find I love it. I think it's
about just living in line with your values, and like,
if I reflect on your journeys and even my journeys,
I know that financial literacy would have meant that I
could have just been less anxious and less worried about
things like beck, I'm sure that if we go back
to all the times that you've had, you'd be like, no,
I don't regret any of them. But if I go, okay, cool,
(25:57):
but if we thought about money and the relationship you
had at that time, you might go, oh, yeah, it
was a bit angsty, but I was still having a
good time that doesn't invalidate the fact that you were
having a good time. It's just like, imagine if you
had an emergency fund to go through that journey with
as well, it might have made it even better. And
the same with you, Jess, Like coming home from overseas
and we've talked about it, you came home with like
(26:17):
not enough money to buy a Mars bar at the airport,
and like, that's fine, but I can almost guarantee that
that version of Jess would have been so much more
comfortable flying back into the country with enough money to
buy a Mars Bar. And it's like, not even the
fact that it's a Mars bar, it's just like knowing
that you've got the financial backing to make the decisions
(26:38):
that you want to make. Absolutely. So I guess that's
a good place to wrap that one, because I want
to dive into the next one because we got a
DM this week. Are you ready ready? Hey, she's on
the money. We're selling our townhouse and need a second opinion.
It's thirteen years old, so bigger than the newer builds,
but it's dated compared to what else is on the market.
(26:59):
Our real estate. A reckons we need a good coat
of paint and new carpet to get the top end
of what similar properties are getting. My partner is happy,
but I'm not convinced. I can't see how we're going
to compete with the modern places without doing something. The
range of what similar properties are selling above for is
between one hundred and fifty to two hundred thousand dollars,
(27:20):
So to me, it's a worth the investment, not a
full reno, just few cosmetic updates to make it feel
less tired. He says. Buyers will do their own renouts anyway,
so we'd be wasting our money. I don't want to
over capitalize, but I also don't want to leave money
on the table. Would you go with the agent or
trust your gut to modernize it before listing it. Let's
(27:43):
ask Jess to begin with, because Jess, you are in
the process of like looking at different properties, and I mean,
if a property is one hundred and fifty to two
hundred and fifty thousand dollars over because it's quote more modern,
I'm assuming that you're purchasing properties over a miss million dollars.
Is that a fair assumption? Yeah, I would say, yeah. So, Like,
let's pretend it's not one hundred and fifty to two
(28:05):
hundred thousand dollars like in your price range. Let's just
like pretend it's a bit more. Are you preferring like
modern properties over like more dated ones with bigger rooms?
Speaker 2 (28:16):
Like?
Speaker 3 (28:17):
What does that look like for you? I, personally my
preference is for a modern finish, but I'm also very
open to renovating myself. When looking at established properties, I
think like the biggest thing that your buyers are going
to be looking at is the floor plan, the configuration,
which is something that you can't change anyway. Like for
me personally, I know that you can make cosmetic changes
yourself down the line, But the things that I care
most about if I was to buy an established property
(28:39):
is the structural things, like things that I can't change,
would be very expensive to change. What's the heart of
the ceilings, what's the configuration of the floor plan, like
those sorts of things which are things that you wouldn't
be changing regardless. I think that so when I worked
in real estate, coda paint and new carpets is something
that we would tell most people with any kind of
damage to those things, you'd be amazed or what a.
Speaker 1 (28:58):
Difference walking into it feeling freshe hundred percent.
Speaker 3 (29:04):
I think that there's a lot that you can do
relatively affordably. So you could probably look at updating, potentially
painting any cabinetry that you have, depending on what it
looks like, or re staining it. A lot of older
properties have maybe a darker wood. You could look at
sandia back or something like that. Changing your fixtures handles
stuff like that to a more modern option as well,
maybe from like a little round knob to something more elongated.
(29:27):
There are lots of changes that you can make that
would be very affordable. It wouldn't take you a lot
of time, but might make a difference. The other thing
we used to recommend a lot when I worked in
real estate was staging. Staging makes a huge difference, and
we saw this in My really good friends sold their
property not too long ago, and their house was smaller
than a lot of the other properties on the market,
but it was by far the most popular in terms
(29:48):
of people who came through, and it sold for like
thirty five thousand dollars over what.
Speaker 1 (29:52):
Their expectation was.
Speaker 3 (29:53):
Oh, that's so good, And I think it's because they
had styled their property really beautifully. Themselves like it was
already they didn't hire a stager. It was just they
already had like a nicely furnished, finished home, and a
stager is what jess because people might be like, sorry,
what's a stager? So you can have someone come in
and they will stage your house so they can bring
in furniture or just furnishings like stuff, furnishings, curtains, things
(30:15):
like that to style your They make.
Speaker 1 (30:17):
The house look really beautiful.
Speaker 3 (30:19):
And I would say that it is absolutely worth the
investment if you do not have the stuff to do
it yourself. So if you have a house, if you
take a personal interest in having your gal's house, it
would be so easy to sell back. But if that's
something that's already priority, you've got it style or it's
got a particular theme, it's not as necessary. But if
you're someone I think like Boypad, like I've just got
(30:42):
a very basic ica coffee table, do you know what
I mean? No no styling things, no blankets, no pillows,
no nothing.
Speaker 1 (30:48):
It might be Ryan's house from Maps, Yes, yeah, so
we would we would stage his house. I would probably
look at staging it because you would be amazed at
what a difference snakes. It can be a couple of
grand but I reckon that's an investment in getting more money. True, true, Yeah.
Speaker 3 (31:07):
Because you would stage before you take your photos and
stuff typically too, so your property listing online, all those
sorts of things.
Speaker 1 (31:14):
You can just pretend that's what you usually live, like
if you want.
Speaker 3 (31:17):
Yeah, they can use AI nowadays. I've seen that should
be legal. Sorry, which I don't like. You know what,
Sometimes they do it and it's really hard to tell.
But then the thing is is when people come through teas,
they're going to see it in person, it can be
a bit jarring if it doesn't look the same.
Speaker 1 (31:33):
Yeah, I'd be like, where's that room with the beautiful chair?
And then the chair doesn't exist?
Speaker 3 (31:37):
Yeah, exactly, So I would also look at you might
not even need to renovate, but maybe staging, whether you
do it yourself and you purchase things that you can
then keep and take to you an extra or sell on,
or whether you bring a professional in to do it,
might be a good way again to make things look
a little more updated without having to fully renovate.
Speaker 1 (31:54):
Yeah, Beck, what are you doing to your house that
you want to sell? God, I'll tell you what.
Speaker 4 (31:59):
I don't think I'll ever be in this predicament, but
I think I would do exactly what Jess says.
Speaker 1 (32:04):
I'm just gonna so your advice is just called Jess
up what Jess would say.
Speaker 4 (32:10):
Exactly, because I'm thinking, like if I was gonna buy
something honestly, like the this is not at all what
our listener is asking, but if it means that something's
a little bit cheaper, but it's a little bit more
run down, but I can actually afford it, or someone
who is has just saved enough and they can't afford
too much and it's their first home and they're like, oh,
this is a bit run down, but hey, I can
(32:30):
afford it. I don't mind. I'm like, I would be
happy just leave it as his. So I was just
in case that that is the case. But yeah, I
guess probably like exactly as just like even yeah, just
like little things like maybe like the taps or yeah,
like the door handles and things like that, Like little
things make a big difference. One thing that always turns
me off for some reason is like those wardrobes that
(32:52):
have like the really flimsy wooden shelving that for some
reason always like I'm like, I don't want that, and
I don't know why, but so I don't know how
cheap that is fixed. But if you just get those
like I don't know, just kind of fix the little
things up, things that are fairly cheap, fairly quick, fairly easy. Yeah,
go for it with the new paint, new carpet, and
(33:13):
see how you go and see if you like it.
If you like it after like the staging and the
new paint and all this, and you're like, this is
now doable, and is it possible to just like put
it up for a few months, see how you and
if it doesn't do what you expected, then do rhetos.
Speaker 1 (33:29):
Then is that allowed? It depends on if you're going
to auction.
Speaker 3 (33:32):
If you're going to auction, you have to set a
reserve a price that you're willing to sell it for.
If you're selling it privately, you can still have that
conversation with your agent and say, oh, I'm not willing
to sell it unless it's X, y Z fair.
Speaker 1 (33:43):
I'm going to be a little bit controversial and say
in this instance, I feel before we get to the
group chat that I actually trust the real estate agent
that is going to be a little bit spicy. But
the reason I trust the real estate agent is because
you've said that the difference is between one hundred and
fifty and two hundred one thousand dollars. And real estate
agents get paid a commission based on how much a
(34:05):
property sells for. So in Australia, the most common commission
that will be payable so you sell your house, two
percent of that purchase price is usually the commission that
your real estate agent is going to make. And then
of that commission, a real estate agent is usually going to,
like the individual is probably going to take like forty percent,
and then the agency, so like the agency that they
(34:28):
work for, usually keeps sixty percent. They can slide up
and down like different horses for different courses. The difference
between a house selling for seven hundred and fifty thousand
dollars or a million dollars, which is like two hundred
and fifty grand, is going to mean a difference of
like five grand. So like instead the agent for selling
your house at seven hundred and fifty thousand dollars would
(34:51):
get what six grand, But if they sell your property
for a million dollars, they're going to get eight grand.
That's like two thousand dollars difference, and that's a lot
of money. Like, so if you're talking to your real
estate agent and you're like, hey, like, should I restyle
this property at my own cost? If I was the
real estate agent and I genuinely thought I'd make more
money by you doing that, I'd be like, yeah, Jess,
(35:13):
please go spend all this money restyling this property or
doing all of these cosmetic changes. It makes sense you'll
get more money because like there's no comparison, right, Like,
if you don't get more money, they'll be like, well,
that's what the house was worth. I'm glad you invested
it because you would have got less.
Speaker 5 (35:28):
Right.
Speaker 1 (35:29):
But if I didn't believe that, and I was like,
oh Jess, please don't go and bother with that, I'm
seeing properties literally sell for the same whether they've been
cosmetically updated or not. Yeah, I'd probably be like, yeah,
that seems pretty fair, like because you would know the area,
and also your money's on the line as well. If
I do these cosmetic updates and they're the reason we
(35:50):
get more, you're going to make more money, but you're
saying it's not worth it. So I kind of err
on the side of feeling like the real estate agent
makes sense and like that real estate state agent is
working for you as the seller. Yeah, and I think
a lot of the time we need to remember who
that professional works for, because the real estate agent isn't
working for the buyer. The real estate agent is trying
(36:12):
to get the most amount of money out of the
buyer for the seller because they make money that way.
So that's where my I guess brain would see it
on that. We also asked the community. We said, would
you trust the agent's advice, and fifty five percent of
you said, I'd get another agent's opinion fair because like same,
thirty two percent of you said yes, they know the market,
(36:33):
and thirteen percent of you said, nah, I'm going to
trust my gut. We asked, do you think when it
comes to property presentation sells is actually true? Forty six
percent of you said yes, twenty eight percent of you
said only to some buyers, in twenty five percent of
you said it's going to really depend on the property.
And then we asked, well, what's your two cents? My
(36:55):
favorite comment that I'm going to read that first says, well,
you're both right, yeah, okay, and I mean it depends
how much those cosmetic upgrades are going to cost you, right, Yeah,
Like if it's little things you can do here and there, absolutely,
But like if it's going to take weekends and weekends
of repainting the whole kitchen. In the hopes that that happens,
I promise, Like when I have purchased property and I
(37:15):
walk into the kitchen it's the wrong color, I'm like, cool,
that's easy changed. Let me see the floor plan, let
me see the how like their room heights, et cetera.
Someone else said, I recently purchased a nine hundred thousand
dollar property, spent two grand on renaults, and it just
got revalued for a million dollars. There you go.
Speaker 3 (37:32):
And that's the thing is it can make a big
difference without a b investment.
Speaker 1 (37:36):
Yeah. Someone else said, it can actually be really hard
for people to visualize the home's potential. So I would
do enough to make sure it looks good. Another person said,
I'd rather have the blank slate to make a place
my own. Just make it really clean and we're good
to go, which I think is really good. I have
a three part one So someone said, I specialize in this.
(37:57):
If the gap in the market is big, and you
can do the renaults under that, it could definitely be
worth it, not only more money, but it makes for
an easier sale. Eliminate as many buyer objections as possible,
and you will attract the most buyers to have competition
and sell the property quickly. Yeah, which I think your
friend's experience.
Speaker 3 (38:16):
I'll see if they had multiple bidders that all wanted
the property.
Speaker 1 (38:19):
And then I've got a couple more. One person said,
I recently bought an apartment and I actually only considered
the properties that were ready to move in and had
no changes. And then someone said, I don't want to
buy a house for one hundred thousand dollars more just
because it had a cheap fifteen thousand dollar facelift. There's
really two sides to the coins that. Well, it just
goes on and on, doesn't it. So that's it from me.
(38:41):
I hope you guys have a beautiful weekend and we'll
catch you on the flip side. Bye guys, Bye, did
buy shared on shees on. The money is generally nature
and does not consider your individual circumstances. All the money
exists purely for educational purposes and should not be relied
(39:04):
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,
Divine and Sheese on the Money are authorized representatives of
Money Sherper Pty Ltd ABN three two one six four
nine two seven seven zero eight AFSL four five one
(39:27):
two eight nine
Hello.
Speaker 2 (00:01):
My name is Satasha Nabananga Bamblet. I'm a proud or
the Order Kerni Whaltbury and a waddery 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 a wondery country,
acknowledging the elders, the ancestors and the next generation coming through.
(00:23):
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.
Speaker 1 (00:33):
Let's get into it. She's on the Money, She's on
the Money. Hello, and welcome to She's on the Money
(00:59):
the podcast. The Mets finance fun especially on Fridays. It
is our favorite day of the week because we get
to get our little team together and celebrate you our
incredible She's on the Money community. As always, we have
Miss jessic Ricci here sharing our favorite money wins from
the week. Miss beck Sayed is sitting very pretty today,
you are very ready to go, and she's got three
(01:22):
surprise broke tips for us. We are also going to
be helping to answer our money dilemma, which This week
is all about being money shamed by your parents and
something that you s lead into our DMS about whether
you should trust an experts advice you don't agree with
when it comes to selling your house. Who's that real
(01:44):
estate agent really work for? Interesting? Anyway, before we get there, guys,
how have your weeks been? My wee's been good. Nothing
exciting to report except I've got a parking ticket. That's no,
you did?
Speaker 2 (01:56):
It?
Speaker 1 (01:58):
Was that last week while recording the podcast? Yes, it was.
Oh my god, Why why are they so on it?
Speaker 3 (02:05):
Well, that's the thing is I missed it because obviously
we're we're recording.
Speaker 1 (02:09):
It's like, well we record till we record.
Speaker 3 (02:11):
So it wasn't even like a big window, and they
somehow fucking and got me.
Speaker 1 (02:15):
I would be saying absolutely not. I was not there. Goodbye. Yeah, sorry,
I mean it's worth a fight for ninety million dollars
as well. Just say something happened. Yeah, give it a crack. Sorry,
I was spending too long at seven eleven picking out
my favorite sushi. Yeah, yeah, I'm sorry. How annoying and annoying?
(02:37):
Well did you get any parking tickets? I didn't, No,
I didn't.
Speaker 3 (02:41):
This way I love it.
Speaker 1 (02:43):
I usually do. Reflect What do you mean you usually do?
Speaker 4 (02:46):
I'm sure, like I like, I go on not long ago,
but it's I did try and find it.
Speaker 1 (02:50):
I haven't heard back yet, so fingers quicks. But how
many outstanding parking tickets do you have at the moment, honestly,
And I know it is quite stresful about it. I don't.
Speaker 4 (02:58):
I have no idea. I don't even know what start.
Speaker 1 (03:01):
I know I have one, and I've left it too late. Yeah,
So I went on the website to pay it and
then it said I couldn't pay it, which means I've
left it too late. Now I'm just waiting for them
to reissue it because I know that it's going to have, like,
well money, this is the thing, Like, I'm not that
good at money, guys.
Speaker 4 (03:21):
If you wait for it to go to Vicarod's, obviously
there is a fee, but then you can pay it
by installments, so that is always a good option. And
you can pay it as long as you pay within
ten years apparently, so you can tell me one dollar
a month for the rest of your life if you
wanted to anyway.
Speaker 1 (03:38):
That is terrible advice, terrible advice. But you know what
you got to do, what you've got to do, exactly,
But no, my week has been really lovely. Nothing partnering
tickets that she's aware of, Yeah, not that I'm aware
of it.
Speaker 4 (03:50):
I'm be getting one right now as we speak. But
I know I said I would make up some juicy goss,
but I feel bad lying. So it was a smooth, easy,
fun Gordgeok, I loved it that I like it, Yes,
exactly right.
Speaker 1 (04:03):
And you I'm still dreaming about Jessica's cookies. Oh my god,
say yes, that never goes away. It's just been a
constant in my life. But that's okay. I don't have
anything that interesting. Honestly. I feel like Mother's Day has
come and gone and that was really cute.
Speaker 2 (04:20):
You know.
Speaker 1 (04:20):
Obviously Harvey went all out. Of course, he definitely planned
all of those things, and my husband had absolutely nothing
to do with it. It's weird how like sentimental I
get now around Mother's Day. I'm like, oh, I is
this how my mom felt about it? Sorry about the
crap cards over the year's mum, So that was nice,
(04:40):
but nothing to report really. Would you like to have
a little five star review? Yes? Please? So are you ready? Okay,
I have one, and I think it's really cute. It's
from Rebecca Are five Stars. It's now part of our
weekly routine. I found that she's on the Money podcast
after having my little boy, Are you Ago? The girls
(05:01):
are now part of our weekly routine, and my son
bops along when he hears the intro music. Thank you
for taking me from feeling anxious and uneducated about the
complexities of money to confident and informed. The warm personalities
of all of the girls and their funny banter makes
for great listening on all of our pram walks and
car trips. Oh that's lovely.
Speaker 4 (05:23):
Thank you, and welcome to the world, little friend. I
love that you're about the same age as Halfy.
Speaker 1 (05:32):
I'm wondering, do you reckon? You know how they say
you should really talk to your baby all the time,
like it helps their language develop. Apparently not mine, but
it helps their language develop. Do you think I could
just play my own podcast? Maybe I think so, But
also like maybe they need to see the mouth movements.
I don't know. Oh yeah, and also then you just
(05:53):
the tally on. I am not gonna lie. It has
been a fair few years since I've been willing to
listen to one of our own podcasts. My own voice
still surprisingly gives me the literal pic and I can't
think of anything worse than having to listen to my
own podcast in the car, like I would prefer to
sing hop Little Bernie's Hop Hop Hop like that many times,
(06:13):
or even just like the Happy Song by Image and
Heap like on repeat. It just exists in my brain
on repeat, like I can sing you that whole song
end to end and I can repeat it if you
want me to.
Speaker 4 (06:24):
Yes, please, They're claud that little Rebecca jams out. Yeah,
thank you, Little Mini Rebecca Minnie Rebecca Mini Rebecca.
Speaker 1 (06:31):
All right, guys, I want to know, Miss Jessicci, what
are our favorite money wins of the week? Rady.
Speaker 3 (06:36):
This week, my first money went from Mim, who said
she found an email from Mecca in her junk. She
had a fifty dollars vouchert from beu Loop for her birthday.
Speaker 1 (06:44):
Oh what reminder they do.
Speaker 3 (06:46):
I'm so sad they brought it in just after my
birthday last year, but they do give vouchers now.
Speaker 1 (06:50):
Can you use me such a good birthday gift? My
birthday is coming up next month for Mecca. If you're listening,
I would love a little voucher. You should get one
in your email.
Speaker 3 (06:59):
Me said that she redeemed it on an in store facial,
so they're normally one hundred and twenty dollars, but she
paid seventy out of pocket. But then the Mecca Beauty
Services are redeemable on product, so she basically got a
free facial and one hundred and twenty dollars worth of
product for seventy dollars. Great great one from mim. Next,
I've got a money win from Sue, who said she
(07:20):
was debating buying herself a Ninja Creamy to make some
protein based ice cream treats, and she realized she had
enough A and Z points to buy an Amazon gift card,
so she bought the Jaja Creemy on Amazon, and she
also used shop back to get some cash back on
her purchase. Plus, apparently, for some odd reason, the fancier
model was selling for the same size as the regular one,
so after all of that, she only paid nine dollars
(07:42):
out of pocket for her Ninja creamy.
Speaker 1 (07:44):
Oh I love that. Very impressive. One way of chess
is like, Sue, please tell me how to get a
Ninja slushy genuinely.
Speaker 3 (07:52):
Next, I've got a money loss from Ali. She said
money loss arrived in Japan, but I'm not mad about it,
which I just thought was funny. I feel like everyone's
in Japan and it is a loss because you just
want to buy all the cute things there.
Speaker 1 (08:02):
I feel like when you went to Japan, that's all
you did.
Speaker 3 (08:05):
I loved it, and all my money at seven eleven
and on sunny angels.
Speaker 1 (08:09):
No you didn't. You also spent a lot on skincare.
That's you. Yeah, you have arguably the nicest shampoo conditioner
as well. That sounds delightful.
Speaker 3 (08:18):
And then lastly, this week, I've got a double whammy
from wonder if she says money win and loss is
me realizing I have.
Speaker 1 (08:26):
Dice? Scally, I need to google how to pronounce that?
Would you like me to have a look? Hey, god, wait,
let me just plug it in. No, this is funny,
Please Sam, don't edit this. It wrong? Where's the pronunciation?
What doesn't just want to say wrong? She won't even
show us the word. We can't even attempt it. All right,
you just got to believe it. She's just going to
say something now, No, we're keeping this word. Give it
(08:48):
your best. Go let me see hang on. Oh yeah,
I can't even read that far? Do I need glasses?
Speaker 4 (08:54):
Hellaculiace placulia, Actually quite close.
Speaker 1 (09:00):
It's dust calculia.
Speaker 3 (09:02):
It's called healthy internet, which is a neurological learning disorder.
So one has been Did you not with the word
that I just pronounced?
Speaker 1 (09:11):
Sorry? Is that dyscalcula? Not according to the Internet? Oh okay,
is that the one way you're about it? Numbers? Discalculia, discalculia? Okay, yeah,
maybe it is the same thing. It's the one where
you can't it is numbers of mass. Yeah, it's like
being dyslexic, but it's for numbers. I see, I see,
I see. Well I didn't know what was called that.
(09:33):
There you go? Do I mean?
Speaker 2 (09:33):
This?
Speaker 3 (09:34):
Calculating is much easier to say either way. One has
been diagnosed with this, and she said it's explained to
her why she's been recently struggling with her finances. She
said it inspired her to find a simple way to
track her spending and get back in control so she
can tap away all of her goals, take her emergency account,
payetro on the walkage et cetera. She's just using an
Excel template, but then she copies and pastes, sees exports
(09:55):
from her bank and stif Just.
Speaker 1 (09:57):
So, I thought really cool to go.
Speaker 3 (09:59):
Oh, like sometime and people having a hard time, it's
not just because you're bad at something.
Speaker 1 (10:03):
It's because actually something going on.
Speaker 3 (10:05):
There's a little bit of your diversity and you just
need to learn what workaround works for you.
Speaker 1 (10:09):
Yes, percent, but that's a good one to end on,
Miss just Goci, Miss Becksies, have you got some broke
broke tips for us?
Speaker 4 (10:18):
I certainly do.
Speaker 1 (10:20):
You're talking to one of our producers earlier about unethical
life tips. Is that going to go into the broke
tips of this week? Not yet? Not yet.
Speaker 4 (10:31):
I think it's a slow steady I like it picaso.
Speaker 1 (10:35):
But also let's make sure they're legal. So absolutely, what
three legal broke tips are you bringing to the table
this week? Well, also just really quickly with the unethical
life just really quickly.
Speaker 4 (10:46):
They might be unethical, but they work sometimes you really
are just trying to survive.
Speaker 1 (10:50):
So oh, no judgment. But like we're a we're a platform, Beck,
we can't be posting unethical life hacks because that would
be unethical of us us. I don't judge people for
doing it. In fact, sometimes I'm like, I wish we
could share that on the pod. That's kind of funny.
Speaker 4 (11:05):
Exactly well, survive, but don't see you.
Speaker 1 (11:09):
We aren't allowed to amplify you at this point, at
this point in time. So the first one comes from Cordelia.
This one seems like, oh, do you think a buffy.
Speaker 4 (11:23):
Yes, it could just be you know of say common knowledge,
or maybe we've even mentioned this a couple of times.
But I think it is helpful. If you pay with cash,
it does stop the mindless tapping. But also at the
same time, if you are paying in cash and you
don't have access to anything online, that also stops you
from buying online and finding something like you just you know,
(11:44):
when you're scrolling through Instagram and you're like, oh my.
Speaker 1 (11:47):
God, you can't pay for that in cash.
Speaker 4 (11:49):
You can't do any impulse not Also because it is
physical and we had this before, it does if sometimes
it feels harder to physically part with the money. So
I think that is a fantast stick tip. This next
one is I care do fifty percent meals on Friday
and three dollars for Brecky and unlimited refilled coffee.
Speaker 1 (12:09):
I'm sorry, what are you saying? Half primary balls?
Speaker 2 (12:13):
Me?
Speaker 1 (12:14):
Oh, the meat balls live rent free in my brain.
I do you know you can buy them frozen as
well have it home, can you?
Speaker 5 (12:20):
Yes?
Speaker 1 (12:20):
Yeah you can, yes, I know, yes, from the little
cafe out the front. You can buy them frozen. You
can get the gravy, you can get the red jelly stuff.
It's Lingenberry, by the way. And they also do the
mashed potatoes, but I would just do mashed potatoes at home. Yeah. Yeah,
but you can get the males. In fact, I really
want to go get them now because now we're talking
(12:41):
about them and I'm low key really hungry. Are we allowed?
It's quite close to our studio and is that so close?
Is that like? Can we use that as our lunch room? Yeah?
Meatballs for all.
Speaker 4 (12:55):
Obviously my one is next, so it is similar to
the first one I mentioned. I have realized because I
created a new bank account put my savings and also
direct deposits in. I just like and I don't want
to look at finance clean now now. But I noticed
that because I'm like mentally really lazy. I don't know
if this will work with for anyone else. But as
soon as there's like two factor authentic authentication or authentication
(13:20):
authentic authentication from I don't know, from authentic authentic yeah, okay,
well well ignore it doesn't like two factor authentication. No,
and especially in particular if you have you know, when
you have to download Microsoft Authentic like a second, Yeah,
you get a code if you put two factor authentication
(13:42):
on things that you do not want to access, including
like a savings account or let's say like a place
like you know ASOS or depop or something where if
you just whatever has the ability for you to put
the two f A on, put it on, and you
might find that you're spending or even like tapping into
those savings really decreases, because if you're anything like me,
(14:06):
as soon as it says retrieve a code, I'm like,
I've already gotten distracted. I already I just cannot be bothered.
I just think it's a great way to like give
yourself that extra time to not access those things.
Speaker 1 (14:19):
So just really good. It's probably more of a nearest
spicy thing because there are going to be people listening
to this going, what is your problem with doing two
factor authentication? Yeah, maybe, like it's furine safety. It's to
this nah more admin less interest if you're nearing now,
I've got ADHD. Sorry, not interested anymore? You mean I
(14:40):
have to go find my phone? Absolutely not exactly. That
idea is out of the window. Absolutely an option, not
an option. Thanks for trying, though, that's it. Nope, I
get it. I get it. It's like your broke tip
the other day was like, don't have the credit card
information auto fil? Yes? Yeah, like me, I'm not getting
up and going and getting my credit cards so I
(15:00):
can make that purchase. In fact, I don't even want
that purchase anymore. Learned mine, I've got memorized. Yeah, absolutely,
not the same. Unfortunately it's memorized. But if you try
and forget, then that's where you wait for your credit
card like validity to end and then they give you
a new credit card and then you're golden for a while. There.
That's true. So that's me this week. I love that.
(15:22):
All right, let's go to a really quick break because
on the flip side, I want to jump into having
a chat about what to do when your parents money
shame you, which is, by the way, really rude. So
spoiler there I've got opinions and then something that you
slid into our DMS about. We're chatting about whether you
should trust in experts advice that you don't actually agree
with when it comes to selling your home. So guys,
(15:44):
don't go anywhere. Welcome back, everybody. Let's take a listen
to this week's money dilemma.
Speaker 2 (15:55):
Hi.
Speaker 1 (15:55):
There, have you got a money dilemma you just can't solve?
The She's on the Money Tea 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.
Speaker 6 (16:19):
Hello, Hello, Hello, So I'm currently in my mid thirties,
well thirty six light save thirties. Anyway, I just got
back from overseas and spent on money while traveling, and
so I've come back for no money now upset. I
feel shramed about that, and my parents keep shaming me,
being like how many times are you going to do this?
(16:40):
And I do feel like I've got this negative money
my story that I've convinced myself that I'm not going
to save you money, like I'll save money for like
a year, and then last year I got my redundant
so whenever seas it's spent my reduncing money. I did
try to have some safety money there.
Speaker 5 (16:56):
But obviously just got carried away with life of traveling
as I love it. And then yeah, once again come
back to no money, and I think my parents say,
you know, how many times are you going to do this?
Or you're in your thirties and you're doing this, like
you know how many times are you going to get
yourself into a position where you're not saving your spinning money?
Speaker 6 (17:17):
And so.
Speaker 5 (17:19):
Yeah, I felt shamed. I felt really embarrassed. I feel
really like I guess useless for that or like I'm failing.
And so I just want to help get that money
mine reset and not associate myself with that so I
can just see on track and hopefully have a bit
of money story and give it better.
Speaker 1 (17:38):
That breaks my heart, like literally that makes me feel
so awful for you and like thank you for being
so open with us, because to say, oh, I'm really embarrassed,
I really feel bad about this. That takes a lot
to even just like reach out and be like, I
kind of need a little bit of help here. One
thing I will say is I can always guarantee if
your parents heard that audio of you going, oh, I'm
(18:01):
feeling really barrassed, I'm feeling really shamed, they would feel
really ashamed. Because I don't think and I'm this is
maybe benefit of the doubt. I don't think your parents
realize how they've made you feel like and if they have,
like they owe you an apology. But can we just
zoom out a little bit? So you're telling me that
you got made redundant and then you went overseas and
probably have created all of these beautiful core memories and
(18:23):
had the best time. I'm sure you have all of
these great friends and experiences and things that you've done.
How many more times am I going to do it? Mom?
And Dad? End list? If it ends up that way,
Like I had a really good time. Like don't get
me wrong, Like I can see that you want to
change your money story, and like there is a way
that we could do both right, Like there is a
way that we have savings and we have you know,
(18:44):
an emergency fund, to fall back on, and we have
all of those things, but they come from education. And like,
I'm sorry, are your parents shaming you after not sitting
you down and teaching you how to do these things? Sorry,
you're telling me that I should be when you're going
to get your stuff together? I don't don't, Karen, When
are you gonna teach me? When are you gonna sit
me down and be like hey, like, I'd love to
(19:06):
show you X Y and Z No, no, Beck, how
do you feel about this?
Speaker 4 (19:09):
I just like I'm hearing this and I'm like, man,
it is wild that we're here and we do talk
about this, But I'm like, why is there just this
like template.
Speaker 1 (19:23):
Of how we should and shouldn't be living? Some people
just don't work like that.
Speaker 4 (19:27):
Like I don't have the natural organic motivation to say
for something I do not care about. Every single waking
second is dedicated to being excited and living life and
having fun and that should be just as valuable as
(19:47):
saving money, because it is very impressive. Like JESSRICKI, you
are such a good savor, You're so good with money.
That is extremely impressive. And there is myself and some
of my friends who are live in life been doing
crazy things and just like going out and getting like
making all these beautiful memories and that is cool and
that is fun. And I'm just like, I don't know
(20:08):
where this comes from. I understand that you do need
for like safety reasons and emergency fund, but when you're ready,
you'll figure that out and you'll also find a way
that works for you. Because personally, for me, I've been
on this podcast like three years now, and I still.
Speaker 1 (20:22):
Do not have been three years. I feel like two
and a half. No, no, no, no, no, Like I'm not questioning it,
just I feel like I'm here. But then also time
flies when you're having fun.
Speaker 4 (20:33):
Exactly right, And I still do not have an emergency fund.
But I realized once I started like investing that that
is for some reason, there's a part of my brain
that cannot touch that money. And so there's like almost
six hundred dollars now in investments.
Speaker 1 (20:47):
Oh really, it's not I'm so excited about this. I'm
just so proud of like the beck you've become.
Speaker 4 (20:53):
Thank you, But you know that's that's what I mean, like,
is that like that works for me, and that's money
that I just feel like I can't touch. For some reason,
but that was in my savings account. It would not
exist on the journey. He has been fun. I've connected,
I've bonded, I've made friends, I've done wild things, and
I just it is embarrassing.
Speaker 1 (21:11):
No, it's not. No, it's not no, but it feels
embarrassing when you're on the one hundred percent, it feels it,
but it is not embarrassed. You're allowed to feel embarrassment,
but that does not mean that it is an embarrassing things.
Speaker 4 (21:23):
It feels embarrassing, but it also feels deeply unfair that
there's this this this like base level template for how
we think and feel and how we're meant to live
that doesn't fit everyone. It actually, I don't think it's
a lot of people, and we just we just blindly
accept it and we live like that and it makes
some of us deeply miserable. But sorry, that's just how
(21:45):
you meant to live and.
Speaker 1 (21:46):
Now it's not. And I agree with you that that exists,
but it frustrates the hell out of many that you
can't just be happy, like people are trying to tell
you how to live in line with their values, and like,
don't get me wrong, I'm so opinionated, but like I
would like to think that it's on the things that
(22:08):
aren't about you making the decision that is aligned with
your genuine thoughts and values and beliefs lack. And it's
like when we were talking about politics, so like the
election has come and gone, and throughout that process I
literally kept saying because people would message me like, oh,
who are you voting for? What are you doing? And
I'm like, I'm not even sharing that because I just
(22:29):
don't want you to think that I would judge you
for voting any differently, Like if you vote the same, great,
I'm sure that people could probably like clearly and very
easily speculate who I voted for. I don't think that
if you consumed all of my content you wouldn't be
able to guess that. But I also go, but I
don't care who you vote for. What I actually care
(22:51):
about is that you voted in line with your values,
Like have you spent the time and the energy to
work out like what you like, beck, and like what
things align with that? Like that's all I care about,
you living the best life for you. And it's like
when I say, oh, Beck, I'm so proud of the
Beck you've become. It's because past Beck would have been like,
oh my god, Like Beck's still having fun, but she
(23:14):
also feels a little bit more financially secure. And how
sick is that? Like, it's not because you've adhered to
somebody else's values or copied my investment strategy or whatever.
It's because you're living in line with the values that
you hold. And that's so friggin' cool, thank you, But
like that's what we want for our communities. I don't
when you feel judged by parents who are living a
(23:36):
lifestyle that you probably don't even want exactly do what
makes you happy? Karen, I don't actually want to live
like you. Yeah, I completely agree.
Speaker 3 (23:45):
I think that Beck, You're so right that there is
so much value in non traditional pathways, like there is.
Seeking joy from your life is not a bad thing.
And if that means that you're going against the status quo,
like I think it takes a lot.
Speaker 1 (23:57):
Of strength actually to do that.
Speaker 3 (23:59):
Will say that I suspect that your parents' conversation is
coming from a place of concern for your future stability,
and I understand that, Like I was someone we've seven
the podcast before, like I would travel and come.
Speaker 1 (24:12):
Back with like literally no money at all.
Speaker 3 (24:14):
But like now, when I reflect on that, I go, oh,
on some level, I wish that I did it differently.
Speaker 1 (24:19):
I don't regret traveling at all.
Speaker 3 (24:21):
But I do wish that I had more financial literacy,
which at the time I didn't like me.
Speaker 1 (24:28):
You don't know what you don't know, right, correct.
Speaker 3 (24:29):
I don't think it's cool the way that this has
come about, and I'm so sorry that they've made you
feel this way, because you absolutely shouldn't. But I do
think it's cool, as someone who had that experience myself,
that you have come to a place where, like, I
want to know more so I can create something better.
And I think that that's really awesome that that's how
you're feeling. And I just want to say that you
can have both, Like you can still do the things
that you value. I have still traveled, even when, as
(24:52):
you said, I'm quite a good saver. I still travel.
I still do things that bring me happiness whilst still
working towards my financial goals. You don't have to entirely
sacrifice one for the other. But I would say that
my worry for you, which is my worry for you
to beck, is I always just want people to have
an emergency fund. I never want someone to be in
a position where, you know, if you were overseas and
(25:13):
you got injured, or if you were at home and
you suddenly found yourself without someone to live. Like, my
worry for anyone, but for women especially is that they
find themselves in a situation they can't get out of
because of money. And so I think it's exciting that
you're entering a phase where you kind of want to
start working on those things, because having a level of
financial security is also very freeing.
Speaker 1 (25:34):
I think you'll find I love it. I think it's
about just living in line with your values, and like,
if I reflect on your journeys and even my journeys,
I know that financial literacy would have meant that I
could have just been less anxious and less worried about
things like beck, I'm sure that if we go back
to all the times that you've had, you'd be like, no,
I don't regret any of them. But if I go, okay, cool,
(25:57):
but if we thought about money and the relationship you
had at that time, you might go, oh, yeah, it
was a bit angsty, but I was still having a
good time that doesn't invalidate the fact that you were
having a good time. It's just like, imagine if you
had an emergency fund to go through that journey with
as well, it might have made it even better. And
the same with you, Jess, Like coming home from overseas
and we've talked about it, you came home with like
(26:17):
not enough money to buy a Mars bar at the airport,
and like, that's fine, but I can almost guarantee that
that version of Jess would have been so much more
comfortable flying back into the country with enough money to
buy a Mars Bar. And it's like, not even the
fact that it's a Mars bar, it's just like knowing
that you've got the financial backing to make the decisions
(26:38):
that you want to make. Absolutely. So I guess that's
a good place to wrap that one, because I want
to dive into the next one because we got a
DM this week. Are you ready ready? Hey, she's on
the money. We're selling our townhouse and need a second opinion.
It's thirteen years old, so bigger than the newer builds,
but it's dated compared to what else is on the market.
(26:59):
Our real estate. A reckons we need a good coat
of paint and new carpet to get the top end
of what similar properties are getting. My partner is happy,
but I'm not convinced. I can't see how we're going
to compete with the modern places without doing something. The
range of what similar properties are selling above for is
between one hundred and fifty to two hundred thousand dollars,
(27:20):
So to me, it's a worth the investment, not a
full reno, just few cosmetic updates to make it feel
less tired. He says. Buyers will do their own renouts anyway,
so we'd be wasting our money. I don't want to
over capitalize, but I also don't want to leave money
on the table. Would you go with the agent or
trust your gut to modernize it before listing it. Let's
(27:43):
ask Jess to begin with, because Jess, you are in
the process of like looking at different properties, and I mean,
if a property is one hundred and fifty to two
hundred and fifty thousand dollars over because it's quote more modern,
I'm assuming that you're purchasing properties over a miss million dollars.
Is that a fair assumption? Yeah, I would say, yeah. So, Like,
let's pretend it's not one hundred and fifty to two
(28:05):
hundred thousand dollars like in your price range. Let's just
like pretend it's a bit more. Are you preferring like
modern properties over like more dated ones with bigger rooms?
Speaker 2 (28:16):
Like?
Speaker 3 (28:17):
What does that look like for you? I, personally my
preference is for a modern finish, but I'm also very
open to renovating myself. When looking at established properties, I
think like the biggest thing that your buyers are going
to be looking at is the floor plan, the configuration,
which is something that you can't change anyway. Like for
me personally, I know that you can make cosmetic changes
yourself down the line, But the things that I care
most about if I was to buy an established property
(28:39):
is the structural things, like things that I can't change,
would be very expensive to change. What's the heart of
the ceilings, what's the configuration of the floor plan, like
those sorts of things which are things that you wouldn't
be changing regardless. I think that so when I worked
in real estate, coda paint and new carpets is something
that we would tell most people with any kind of
damage to those things, you'd be amazed or what a.
Speaker 1 (28:58):
Difference walking into it feeling freshe hundred percent.
Speaker 3 (29:04):
I think that there's a lot that you can do
relatively affordably. So you could probably look at updating, potentially
painting any cabinetry that you have, depending on what it
looks like, or re staining it. A lot of older
properties have maybe a darker wood. You could look at
sandia back or something like that. Changing your fixtures handles
stuff like that to a more modern option as well,
maybe from like a little round knob to something more elongated.
(29:27):
There are lots of changes that you can make that
would be very affordable. It wouldn't take you a lot
of time, but might make a difference. The other thing
we used to recommend a lot when I worked in
real estate was staging. Staging makes a huge difference, and
we saw this in My really good friends sold their
property not too long ago, and their house was smaller
than a lot of the other properties on the market,
but it was by far the most popular in terms
(29:48):
of people who came through, and it sold for like
thirty five thousand dollars over what.
Speaker 1 (29:52):
Their expectation was.
Speaker 3 (29:53):
Oh, that's so good, And I think it's because they
had styled their property really beautifully. Themselves like it was
already they didn't hire a stager. It was just they
already had like a nicely furnished, finished home, and a
stager is what jess because people might be like, sorry,
what's a stager? So you can have someone come in
and they will stage your house so they can bring
in furniture or just furnishings like stuff, furnishings, curtains, things
(30:15):
like that to style your They make.
Speaker 1 (30:17):
The house look really beautiful.
Speaker 3 (30:19):
And I would say that it is absolutely worth the
investment if you do not have the stuff to do
it yourself. So if you have a house, if you
take a personal interest in having your gal's house, it
would be so easy to sell back. But if that's
something that's already priority, you've got it style or it's
got a particular theme, it's not as necessary. But if
you're someone I think like Boypad, like I've just got
(30:42):
a very basic ica coffee table, do you know what
I mean? No no styling things, no blankets, no pillows,
no nothing.
Speaker 1 (30:48):
It might be Ryan's house from Maps, Yes, yeah, so
we would we would stage his house. I would probably
look at staging it because you would be amazed at
what a difference snakes. It can be a couple of
grand but I reckon that's an investment in getting more money. True, true, Yeah.
Speaker 3 (31:07):
Because you would stage before you take your photos and
stuff typically too, so your property listing online, all those
sorts of things.
Speaker 1 (31:14):
You can just pretend that's what you usually live, like
if you want.
Speaker 3 (31:17):
Yeah, they can use AI nowadays. I've seen that should
be legal. Sorry, which I don't like. You know what,
Sometimes they do it and it's really hard to tell.
But then the thing is is when people come through teas,
they're going to see it in person, it can be
a bit jarring if it doesn't look the same.
Speaker 1 (31:33):
Yeah, I'd be like, where's that room with the beautiful chair?
And then the chair doesn't exist?
Speaker 3 (31:37):
Yeah, exactly, So I would also look at you might
not even need to renovate, but maybe staging, whether you
do it yourself and you purchase things that you can
then keep and take to you an extra or sell on,
or whether you bring a professional in to do it,
might be a good way again to make things look
a little more updated without having to fully renovate.
Speaker 1 (31:54):
Yeah, Beck, what are you doing to your house that
you want to sell? God, I'll tell you what.
Speaker 4 (31:59):
I don't think I'll ever be in this predicament, but
I think I would do exactly what Jess says.
Speaker 1 (32:04):
I'm just gonna so your advice is just called Jess
up what Jess would say.
Speaker 4 (32:10):
Exactly, because I'm thinking, like if I was gonna buy
something honestly, like the this is not at all what
our listener is asking, but if it means that something's
a little bit cheaper, but it's a little bit more
run down, but I can actually afford it, or someone
who is has just saved enough and they can't afford
too much and it's their first home and they're like, oh,
this is a bit run down, but hey, I can
(32:30):
afford it. I don't mind. I'm like, I would be
happy just leave it as his. So I was just
in case that that is the case. But yeah, I
guess probably like exactly as just like even yeah, just
like little things like maybe like the taps or yeah,
like the door handles and things like that, Like little
things make a big difference. One thing that always turns
me off for some reason is like those wardrobes that
(32:52):
have like the really flimsy wooden shelving that for some
reason always like I'm like, I don't want that, and
I don't know why, but so I don't know how
cheap that is fixed. But if you just get those
like I don't know, just kind of fix the little
things up, things that are fairly cheap, fairly quick, fairly easy. Yeah,
go for it with the new paint, new carpet, and
(33:13):
see how you go and see if you like it.
If you like it after like the staging and the
new paint and all this, and you're like, this is
now doable, and is it possible to just like put
it up for a few months, see how you and
if it doesn't do what you expected, then do rhetos.
Speaker 1 (33:29):
Then is that allowed? It depends on if you're going
to auction.
Speaker 3 (33:32):
If you're going to auction, you have to set a
reserve a price that you're willing to sell it for.
If you're selling it privately, you can still have that
conversation with your agent and say, oh, I'm not willing
to sell it unless it's X, y Z fair.
Speaker 1 (33:43):
I'm going to be a little bit controversial and say
in this instance, I feel before we get to the
group chat that I actually trust the real estate agent
that is going to be a little bit spicy. But
the reason I trust the real estate agent is because
you've said that the difference is between one hundred and
fifty and two hundred one thousand dollars. And real estate
agents get paid a commission based on how much a
(34:05):
property sells for. So in Australia, the most common commission
that will be payable so you sell your house, two
percent of that purchase price is usually the commission that
your real estate agent is going to make. And then
of that commission, a real estate agent is usually going to,
like the individual is probably going to take like forty percent,
and then the agency, so like the agency that they
(34:28):
work for, usually keeps sixty percent. They can slide up
and down like different horses for different courses. The difference
between a house selling for seven hundred and fifty thousand
dollars or a million dollars, which is like two hundred
and fifty grand, is going to mean a difference of
like five grand. So like instead the agent for selling
your house at seven hundred and fifty thousand dollars would
(34:51):
get what six grand, But if they sell your property
for a million dollars, they're going to get eight grand.
That's like two thousand dollars difference, and that's a lot
of money. Like, so if you're talking to your real
estate agent and you're like, hey, like, should I restyle
this property at my own cost? If I was the
real estate agent and I genuinely thought I'd make more
money by you doing that, I'd be like, yeah, Jess,
(35:13):
please go spend all this money restyling this property or
doing all of these cosmetic changes. It makes sense you'll
get more money because like there's no comparison, right, Like,
if you don't get more money, they'll be like, well,
that's what the house was worth. I'm glad you invested
it because you would have got less.
Speaker 5 (35:28):
Right.
Speaker 1 (35:29):
But if I didn't believe that, and I was like,
oh Jess, please don't go and bother with that, I'm
seeing properties literally sell for the same whether they've been
cosmetically updated or not. Yeah, I'd probably be like, yeah,
that seems pretty fair, like because you would know the area,
and also your money's on the line as well. If
I do these cosmetic updates and they're the reason we
(35:50):
get more, you're going to make more money, but you're
saying it's not worth it. So I kind of err
on the side of feeling like the real estate agent
makes sense and like that real estate state agent is
working for you as the seller. Yeah, and I think
a lot of the time we need to remember who
that professional works for, because the real estate agent isn't
working for the buyer. The real estate agent is trying
(36:12):
to get the most amount of money out of the
buyer for the seller because they make money that way.
So that's where my I guess brain would see it
on that. We also asked the community. We said, would
you trust the agent's advice, and fifty five percent of
you said, I'd get another agent's opinion fair because like same,
thirty two percent of you said yes, they know the market,
(36:33):
and thirteen percent of you said, nah, I'm going to
trust my gut. We asked, do you think when it
comes to property presentation sells is actually true? Forty six
percent of you said yes, twenty eight percent of you
said only to some buyers, in twenty five percent of
you said it's going to really depend on the property.
And then we asked, well, what's your two cents? My
(36:55):
favorite comment that I'm going to read that first says, well,
you're both right, yeah, okay, and I mean it depends
how much those cosmetic upgrades are going to cost you, right, Yeah,
Like if it's little things you can do here and there, absolutely,
But like if it's going to take weekends and weekends
of repainting the whole kitchen. In the hopes that that happens,
I promise, Like when I have purchased property and I
(37:15):
walk into the kitchen it's the wrong color, I'm like, cool,
that's easy changed. Let me see the floor plan, let
me see the how like their room heights, et cetera.
Someone else said, I recently purchased a nine hundred thousand
dollar property, spent two grand on renaults, and it just
got revalued for a million dollars. There you go.
Speaker 3 (37:32):
And that's the thing is it can make a big
difference without a b investment.
Speaker 1 (37:36):
Yeah. Someone else said, it can actually be really hard
for people to visualize the home's potential. So I would
do enough to make sure it looks good. Another person said,
I'd rather have the blank slate to make a place
my own. Just make it really clean and we're good
to go, which I think is really good. I have
a three part one So someone said, I specialize in this.
(37:57):
If the gap in the market is big, and you
can do the renaults under that, it could definitely be
worth it, not only more money, but it makes for
an easier sale. Eliminate as many buyer objections as possible,
and you will attract the most buyers to have competition
and sell the property quickly. Yeah, which I think your
friend's experience.
Speaker 3 (38:16):
I'll see if they had multiple bidders that all wanted
the property.
Speaker 1 (38:19):
And then I've got a couple more. One person said,
I recently bought an apartment and I actually only considered
the properties that were ready to move in and had
no changes. And then someone said, I don't want to
buy a house for one hundred thousand dollars more just
because it had a cheap fifteen thousand dollar facelift. There's
really two sides to the coins that. Well, it just
goes on and on, doesn't it. So that's it from me.
(38:41):
I hope you guys have a beautiful weekend and we'll
catch you on the flip side. Bye guys, Bye, did
buy shared on shees on. The money is generally nature
and does not consider your individual circumstances. All the money
exists purely for educational purposes and should not be relied
(39:04):
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,
Divine and Sheese on the Money are authorized representatives of
Money Sherper Pty Ltd ABN three two one six four
nine two seven seven zero eight AFSL four five one
(39:27):
two eight nine
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