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Actually, sorry. Before I do, I did have to sorry. I do apologize. I just did forget to let you know I did forget to let you know we do that's exactly right. And just to do security with you as well, just your full name, date of birth, and address. Sorry. Yep. Oh, so how's everything going? Thank you for doing that. So sorry. I forgot to do that. I don't normally forget to do security side of things. That's it. How's everything been for you lately? Oh, no. Really? Still all up in the air? Oh, wow. I yeah. I can see here that you weren't oh, really? Yeah. Okay. Yep. Was the yeah. And was that before they included the interest rate rise? Because was that kind of before or after they changed the interest rate? Oh, Sorry. Oh, okay. No. That's okay. It's the preapproval. That's fine. Not a worry. So adding that extra money does mean you pay a little bit more on your mortgage, but it does free up a little bit of extra cash flow there for you as well. Oh, no. Yeah. Yep. Yep. Wow. Yeah. No. I'm so sorry you're going through that. Yeah. It's gonna cost you more money though, isn't it? Wow. That's a lot. Yeah. Wow. Wow. Yeah. Seems like a lot. Yeah. And how was Christmas? Did you have at least a good Chrissy? How'd everything go then? Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yep. Okay. Yep. Yeah. Yeah. Yeah. I mean, that'll be good to have that downtime with him on those Wednesdays that you can as well, maybe go to the park and just hopefully have a stress free day. Oh, nice. Absolutely. Yep. Yeah. Yeah. Yeah. Yeah. Oh, wow. All sandy and dirty. Oh, goodness me. Oh, so you've purchased some leave, which is good. That gives you some extra leave in there, but, admittedly, it does. It does. Yeah. Because it looks like you've gotta you've gotta repay that back. So yeah. Yep. Yep. So it does reduce your take home pay a little bit. Was that sort of fact you're at no. That's okay. That's okay. On the upside, you've got the extra leave ahead of you, which is good. The the quality time is always important over the over the money side of things as well. And you're not paying day care fees anymore, so that money's sort of going towards the school fees now, isn't it? Okay. And is he covering that? Okay. Yeah. Yep. Yep. Okay. Yep. Yep. Oh, that'll be nice. Yeah. Mhmm. Yep. Yep. Yeah. And is he still putting any money into the mortgage to as kind of the child support scenario, or is that not happening still? I know it was sort of sort of was and sort of wasn't. It stopped. Okay. Okay. Yeah. It might be worth yeah. I mean, if he if he doesn't sort of pay that, it might even be worth going forward and doing the child support properly because at least I mean, even and the biggest thing with that is even when you go through that system of trying to get the child support, there's always a chance they're still not gonna pay. I had trouble with that back when I was a single parent with my ex, but at least while he's young with the school fees and things like that, if you do decide to go down that track as hard as it can be, at least you've got someone on your side tracking how much child support you're supposed to have, and they they can then, you know, try to push it out of him, garnish his wages, go shoot the court system, do whatever they need to do to get that extra bit of help for you. Because if you're paying for everything and not getting anything out of it, it it does it's gonna yeah. It does cause such a lot of stress on yourself, and your son definitely notices things like that. So it would be worth maybe going down that route if he doesn't keep paying for the school fees just to alleviate a little bit of pressure on yourself. Yeah. Yeah. Yep. Yeah. Yeah. Yep. Yeah. Absolutely. Absolutely. Yeah. Definitely. And you updated the quote to reduce your home and contents insurance a little bit as well? Mhmm. It is. Because in the budget plan that we had done up, your home and contents insurance was costing 2,445 annually. So this quote that you've sent me is saving you about $729 on a yearly basis. Yeah. Well, that's the one I the quote I was looking at is the plus option at the bottom because one of the big things to look at when you are your home and content insurance is having that top cover often covers you for, like, storm damage, accidental damage, things like that that aren't normally done under your basic options. So that's something I learned back in the day working in banking and insurance types of things, having that tough cover. But even that tough cover, it's saving you that $729. So that would put a little bit more back into your budget, which is not a bad thing, give you a little bit extra free cash flow on a weekly basis. So what? $7.29, if we look at that, say, on a weekly basis, it's giving you an extra it's $14 a week, but that over the year adds up drastically. Yep. Yep. Perfect. Did you end up applying for, like, Centrelink or anything like that trying to obtain any of that? Okay. Yep. Yep. Yep. Yep. Yeah. Yeah. Absolutely. Or just putting it on your mortgage and kind of having it free cash, it's sort of offsetting your interest a little bit as well. Yeah. Yep. Yep. Perfect. And anything else that's kind of changed? How did you sort of go with reducing the budget down and has that I know with the the face of the solicitors, it's probably all a bit up in the air at the moment, but has any of it kind of made much of a difference to your budget, or is this all still a little bit hard? Or what's okay. Okay. That's good. Yep. Yes. So bill would have drastically decreased. Yeah. Yeah. Definitely shop around for those. That's alright. There are a little couple of comparison sites out there for, like, comparison? Yep. Perfect. So electricity and gas. I'll find those sites, and I'll email the link through to you for you to sort of sit down, have a bit of a play with and see if that makes a bit of a difference. But if you are managing to save that 500 on a fortnightly basis, that is giving you an extra $13,000 over the course of the year. So the other thing I was thinking, if you this is what I thought about. Yep. That's alright. Is your okay. Yep. That's okay. The offset account you have, you may have mentioned that last time that he also had access to that. Is that right? No. It's all you. You're the only one with access to your offset? Yeah. Perfect. Because one of the things perfect. One of the things you made mention is putting money in there but taking it back out, but that might have just been a joint account. That's okay. Because utilizing that offset account or, you know, an account that is attached to your home loan to put all your excess, like, any savings or any leftover money at the end of the week or the fortnight into that offset account will help to offset some of the interest because interest rates have gone up, which can make a bit of a difference. But you still have access to that money while trying to save on some of the interest you pay on your loan, which could provide a little bit little bit of a benefit over the course of the year as well. Yeah. And it's easier if it's just in your name. That way, he doesn't can't access any of those funds. Yeah. But making sure the offset account is used over putting the money directly on the loan, it still does the same thing. It offsets the amount of interest you are paying. It's just that in an offset account, it's another access account. So it's offsetting your interest that you're paying on your loan, but you can still access those funds if you need to for bills and, you know, food and things like that. Yeah. Perfect. All good. Is there anything else that kind of has been coming to mind that you've been thinking about? Or No. Yeah. Yep. Yeah. Absolutely. Absolutely. And you can alternate. You can pause one or two here and there and then bring something else back if you just wanna look at something else of the year or for a month or two. Yep. Yep. Oh, no. Oh, goodness me. Oh, gosh. Yeah. Yeah. Yeah. Well, I mean, it it honestly looks good so far. If you look to go ahead and maybe look at that quote, just double check the quote details that they've sent through with regard to that home and contents because, honestly, they're saving a good a good chunk of the year. Maybe pausing a few more of those services for a month or two while you're not utilizing them. And then, yeah, just, you know, trying to put any extra cash into your offset account. That way, it's sort of sitting there and giving you a bit of benefit as well if that helps a little bit more. And then I'll send through an email just with some comparison details like gas, and you can have a bit of a look at those and see if you can save a bit of money in those areas as well. Does that help a bit more? Yeah. Yeah. And keep going with the Centrelink application. I know it's painful to do. But once they get the assessment through, getting anything you can out of them on a fortnightly basis, even if you're not utilizing it, you're just putting it in, like, maybe an offset account and having it sit there. Again, it's just a little bit of extra money that you can fall back on. And if you're on, like, single parent pension or, you know, any of those sorts of things, you having a health care card, if you can get that as well, which I'm pretty sure you do with the parenting payment and all the supplement a and b, that can help. I'm pretty let me have a look, see if it's changed. They had us they did use to allow it if you were on parts for a certain amount. I'm just gonna have a look. So Centrelink Healthcare card. Yeah. You yeah. You said that goes up a bit more then. That might yeah. Yeah. No. That's okay. There's also ways around, like, if you have to go to specialists and things like that, like talking to your doctor because there's a lot of other services with regard to the health side of things that are covered by Medicare. So, like, when I take my kids to the the doctors, I'll say, like, what can I get under Medicare first and how accessible is it? And, like, with my daughter, she's got depression at the moment, so she's accessing cheap she gets, like, 10 a year psychologist visits, and she only pays about a $100 for those rather than the normal 2 to 300 for the visit. So yeah. Yeah. No. It's hard, isn't it? Yes. Yep. Yeah. And that's important. You discuss quite a lot when you go and see them, so you wanna trust the person you're talking to with what you're divulging. Yeah. You're gonna build that relationship. Yeah. Yeah. Okay. So parenting pay family tax benefit. Have a dependent child on a full have a full have a dependent child or full time secondary child who's 16 to 19. We have a full time dependent child. Care for the child at least 35% of the time and make the income test. Now what's the income test? Because these have all changed recently the last few weeks as well. They change twice a year, which is kind of annoying. Changes. Family tax benefit. Okay. So the Centrelink Healthcare card is automatically issued to families receiving the maximum rate of family tax benefit a generally when adjusted tax for income is below a specific threshold. If the threshold exceeds this, you may qualify for a low income tax threshold based on a weekly income test of $7,802 50 for singles or a one child family. Automatic issue. So 17. What's yours? $0.2.50. What are you getting per week at the moment? So yours and 106,034, roughly. Oh, that's $5.52. So it's about 2,039. So it is just above that limit there. So key thresholds a week. Couple one child, $1.07 $4.05 combined. Low income health care card. If you don't get the maximum family tax benefit, you may qualify for your if your gross weekly income is below the set limit of $17.00 2 for singles with one child, and any child after is $42.50 extra. So it is just above the threshold now, unfortunately. That's a bummer. Well, you've also you're also losing $300 out of your pay, aren't you? So have a look at what that looks like when they're paying that back and see what it comes out at because it might push you down under that threshold. Yep. And it's $300 a week that you're paying back the leave. I've got here three three hundred and 12 32 100. Yep. And that's right. And then your purchase repayment to leave is $312.71, and that's on a that's a fortnight, isn't it? Yeah. It's a fortnight because your income's fortnightly. The $3.01 2 and 71. It still keeps us just above that threshold. One by two. Oh, no. If we can swing that, if your payslips can show how much you're getting, they might swing it. I don't it depends on how Centrelink will assess it, but if you use 3,200 roughly on a fortnightly basis minus of that 312 that you have to repay back to leave. It's knocking your income down to $2.08 $8.07, which per week is about 1,400. So that is just under the threshold that might work that might work. As long as Centrelink assess it that way, it always comes down to how they're gonna assess things realistically because you're not getting that money. You're you're paying it back. It shouldn't be considered. But just sort of see because they're gonna wanna see payslips as well. So just give them the payslips and let them know that you're obviously not getting that $312.71 on a fortnightly basis because you've had to take extra leave, and you've gotta repay that back to the company for the leave that you've bought. So it does reduce your take home pay. If you explain it that way and provide the pace that's showing that when they request them, see how they assess it. It might make you eligible enough for the low income health care card or the HCC just depending on how they're gonna assess it. But if you can get that and get it across the line, that'll make so much of a difference to your health care, doctor's costs, everything. So yep. Yep. Yeah. Yeah. It it looks like it should still just be okay. Yeah. But yeah. Yeah. Yep. I always sort of suggest when we're talking to Centrelink, build the story. Tell them what you like, what you've got, what you're doing, how it works, and what you take home is maybe provide some, like, bank statements as well that show your pay going in on a regular basis so they can see what you're getting on your payslip versus how much is actually going into your account so they can see what you have to live on. And that can sometimes be really helpful for them as well. It's that building that story and helping them understand what your living looks like. There's always a slight decline the health care card side of things, but I always think what's the worst they can do? They can say no. I would always try and see what happens. Correct. Correct. You're still eligible for something. And even the money you're gonna get, if you don't have to use that towards your weekly expenditure, you can put it away in another account somewhere, offset your mortgage a little bit. That's gonna provide a great benefit. But if you can just get this little health care card as well, that's gonna provide just a little bit more of a benefit to you. Yeah. Yeah. Okay. No. That's okay. No worries at all. If there's anything else, let me know. Let me know how you go with those few things as well. And, yeah, feel free to let me know. If anything else that comes to mind, I'm more than happy to talk you through it, and we can look at it. But I would definitely be looking at that home and contents insurance and trying to reduce the payment there, go forward with the settling stuff, and see how we go. Okay. Yeah. That's okay. Yep. Yep. Perfect. And I'll get I'll get those comparison sites, the the links, and send them through to you. Okay? No. It's okay. You have I will. No. I've got bookings all afternoon, but it'd be fine. That's it. It's all good. The weekend's coming. That's exactly right. All good, Catherine. Thank you so much. That's okay. You have a good arvo. Talk soon. See you later. 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Catherine. It's Dana from Okie Financial. How are you? How's everything going for you? I got your emails through.\n\nThank you for sending those. How's everything going for you at the moment? Actually, sorry. Before I do, I did have to sorry. I do apologize.\n\nI just did forget to let you know I did forget to let you know we do that's exactly right. And just to do security with you as well, just your full name, date of birth, and address. Sorry. Yep. Oh, so how's everything going?\n\nThank you for doing that. So sorry. I forgot to do that. I don't normally forget to do security side of things. That's it.\n\nHow's everything been for you lately? Oh, no. Really? Still all up in the air? Oh, wow.\n\nI yeah. I can see here that you weren't oh, really? Yeah. Okay. Yep.\n\nWas the yeah. And was that before they included the interest rate rise? Because was that kind of before or after they changed the interest rate? Oh, Sorry. Oh, okay.\n\nNo. That's okay. It's the preapproval. That's fine. Not a worry.\n\nSo adding that extra money does mean you pay a little bit more on your mortgage, but it does free up a little bit of extra cash flow there for you as well. Oh, no. Yeah. Yep. Yep.\n\nWow. Yeah. No. I'm so sorry you're going through that. Yeah.\n\nIt's gonna cost you more money though, isn't it? Wow. That's a lot. Yeah. Wow.\n\nWow. Yeah. Seems like a lot. Yeah. And how was Christmas?\n\nDid you have at least a good Chrissy? How'd everything go then? Yeah. Yeah. Yeah.\n\nYep. Yeah. Yeah. Yeah. Yep.\n\nOkay. Yep. Yeah. Yeah. Yeah.\n\nI mean, that'll be good to have that downtime with him on those Wednesdays that you can as well, maybe go to the park and just hopefully have a stress free day. Oh, nice. Absolutely. Yep. Yeah.\n\nYeah. Yeah. Yeah. Oh, wow. All sandy and dirty.\n\nOh, goodness me. Oh, so you've purchased some leave, which is good. That gives you some extra leave in there, but, admittedly, it does. It does. Yeah.\n\nBecause it looks like you've gotta you've gotta repay that back. So yeah. Yep. Yep. So it does reduce your take home pay a little bit.\n\nWas that sort of fact you're at no. That's okay. That's okay. On the upside, you've got the extra leave ahead of you, which is good. The the quality time is always important over the over the money side of things as well.\n\nAnd you're not paying day care fees anymore, so that money's sort of going towards the school fees now, isn't it? Okay. And is he covering that? Okay. Yeah.\n\nYep. Yep. Okay. Yep. Yep.\n\nOh, that'll be nice. Yeah. Mhmm. Yep. Yep.\n\nYeah. And is he still putting any money into the mortgage to as kind of the child support scenario, or is that not happening still? I know it was sort of sort of was and sort of wasn't. It stopped. Okay.\n\nOkay. Yeah. It might be worth yeah. I mean, if he if he doesn't sort of pay that, it might even be worth going forward and doing the child support properly because at least I mean, even and the biggest thing with that is even when you go through that system of trying to get the child support, there's always a chance they're still not gonna pay. I had trouble with that back when I was a single parent with my ex, but at least while he's young with the school fees and things like that, if you do decide to go down that track as hard as it can be, at least you've got someone on your side tracking how much child support you're supposed to have, and they they can then, you know, try to push it out of him, garnish his wages, go shoot the court system, do whatever they need to do to get that extra bit of help for you.\n\nBecause if you're paying for everything and not getting anything out of it, it it does it's gonna yeah. It does cause such a lot of stress on yourself, and your son definitely notices things like that. So it would be worth maybe going down that route if he doesn't keep paying for the school fees just to alleviate a little bit of pressure on yourself. Yeah. Yeah.\n\nYep. Yeah. Yeah. Yep. Yeah.\n\nAbsolutely. Absolutely. Yeah. Definitely. And you updated the quote to reduce your home and contents insurance a little bit as well?\n\nMhmm. It is. Because in the budget plan that we had done up, your home and contents insurance was costing 2,445 annually. So this quote that you've sent me is saving you about $729 on a yearly basis. Yeah.\n\nWell, that's the one I the quote I was looking at is the plus option at the bottom because one of the big things to look at when you are your home and content insurance is having that top cover often covers you for, like, storm damage, accidental damage, things like that that aren't normally done under your basic options. So that's something I learned back in the day working in banking and insurance types of things, having that tough cover. But even that tough cover, it's saving you that $729. So that would put a little bit more back into your budget, which is not a bad thing, give you a little bit extra free cash flow on a weekly basis. So what?\n\n$7.29, if we look at that, say, on a weekly basis, it's giving you an extra it's $14 a week, but that over the year adds up drastically. Yep. Yep. Perfect. Did you end up applying for, like, Centrelink or anything like that trying to obtain any of that?\n\nOkay. Yep. Yep. Yep. Yep.\n\nYeah. Yeah. Absolutely. Or just putting it on your mortgage and kind of having it free cash, it's sort of offsetting your interest a little bit as well. Yeah.\n\nYep. Yep. Perfect. And anything else that's kind of changed? How did you sort of go with reducing the budget down and has that I know with the the face of the solicitors, it's probably all a bit up in the air at the moment, but has any of it kind of made much of a difference to your budget, or is this all still a little bit hard?\n\nOr what's okay. Okay. That's good. Yep. Yes.\n\nSo bill would have drastically decreased. Yeah. Yeah. Definitely shop around for those. That's alright.\n\nThere are a little couple of comparison sites out there for, like, comparison? Yep. Perfect. So electricity and gas. I'll find those sites, and I'll email the link through to you for you to sort of sit down, have a bit of a play with and see if that makes a bit of a difference.\n\nBut if you are managing to save that 500 on a fortnightly basis, that is giving you an extra $13,000 over the course of the year. So the other thing I was thinking, if you this is what I thought about. Yep. That's alright. Is your okay.\n\nYep. That's okay. The offset account you have, you may have mentioned that last time that he also had access to that. Is that right? No.\n\nIt's all you. You're the only one with access to your offset? Yeah. Perfect. Because one of the things perfect.\n\nOne of the things you made mention is putting money in there but taking it back out, but that might have just been a joint account. That's okay. Because utilizing that offset account or, you know, an account that is attached to your home loan to put all your excess, like, any savings or any leftover money at the end of the week or the fortnight into that offset account will help to offset some of the interest because interest rates have gone up, which can make a bit of a difference. But you still have access to that money while trying to save on some of the interest you pay on your loan, which could provide a little bit little bit of a benefit over the course of the year as well. Yeah.\n\nAnd it's easier if it's just in your name. That way, he doesn't can't access any of those funds. Yeah. But making sure the offset account is used over putting the money directly on the loan, it still does the same thing. It offsets the amount of interest you are paying.\n\nIt's just that in an offset account, it's another access account. So it's offsetting your interest that you're paying on your loan, but you can still access those funds if you need to for bills and, you know, food and things like that. Yeah. Perfect. All good.\n\nIs there anything else that kind of has been coming to mind that you've been thinking about? Or No. Yeah. Yep. Yeah.\n\nAbsolutely. Absolutely. And you can alternate. You can pause one or two here and there and then bring something else back if you just wanna look at something else of the year or for a month or two. Yep.\n\nYep. Oh, no. Oh, goodness me. Oh, gosh. Yeah.\n\nYeah. Yeah. Well, I mean, it it honestly looks good so far. If you look to go ahead and maybe look at that quote, just double check the quote details that they've sent through with regard to that home and contents because, honestly, they're saving a good a good chunk of the year. Maybe pausing a few more of those services for a month or two while you're not utilizing them.\n\nAnd then, yeah, just, you know, trying to put any extra cash into your offset account. That way, it's sort of sitting there and giving you a bit of benefit as well if that helps a little bit more. And then I'll send through an email just with some comparison details like gas, and you can have a bit of a look at those and see if you can save a bit of money in those areas as well. Does that help a bit more? Yeah.\n\nYeah. And keep going with the Centrelink application. I know it's painful to do. But once they get the assessment through, getting anything you can out of them on a fortnightly basis, even if you're not utilizing it, you're just putting it in, like, maybe an offset account and having it sit there. Again, it's just a little bit of extra money that you can fall back on.\n\nAnd if you're on, like, single parent pension or, you know, any of those sorts of things, you having a health care card, if you can get that as well, which I'm pretty sure you do with the parenting payment and all the supplement a and b, that can help. I'm pretty let me have a look, see if it's changed. They had us they did use to allow it if you were on parts for a certain amount. I'm just gonna have a look. So Centrelink Healthcare card.\n\nYeah. You yeah. You said that goes up a bit more then. That might yeah. Yeah.\n\nNo. That's okay. There's also ways around, like, if you have to go to specialists and things like that, like talking to your doctor because there's a lot of other services with regard to the health side of things that are covered by Medicare. So, like, when I take my kids to the the doctors, I'll say, like, what can I get under Medicare first and how accessible is it? And, like, with my daughter, she's got depression at the moment, so she's accessing cheap she gets, like, 10 a year psychologist visits, and she only pays about a $100 for those rather than the normal 2 to 300 for the visit.\n\nSo yeah. Yeah. No. It's hard, isn't it? Yes.\n\nYep. Yeah. And that's important. You discuss quite a lot when you go and see them, so you wanna trust the person you're talking to with what you're divulging. Yeah.\n\nYou're gonna build that relationship. Yeah. Yeah. Okay. So parenting pay family tax benefit.\n\nHave a dependent child on a full have a full have a dependent child or full time secondary child who's 16 to 19. We have a full time dependent child. Care for the child at least 35% of the time and make the income test. Now what's the income test? Because these have all changed recently the last few weeks as well.\n\nThey change twice a year, which is kind of annoying. Changes. Family tax benefit. Okay. So the Centrelink Healthcare card is automatically issued to families receiving the maximum rate of family tax benefit a generally when adjusted tax for income is below a specific threshold.\n\nIf the threshold exceeds this, you may qualify for a low income tax threshold based on a weekly income test of $7,802 50 for singles or a one child family. Automatic issue. So 17. What's yours? $0.2.50.\n\nWhat are you getting per week at the moment? So yours and 106,034, roughly. Oh, that's $5.52. So it's about 2,039. So it is just above that limit there.\n\nSo key thresholds a week. Couple one child, $1.07 $4.05 combined. Low income health care card. If you don't get the maximum family tax benefit, you may qualify for your if your gross weekly income is below the set limit of $17.00 2 for singles with one child, and any child after is $42.50 extra. So it is just above the threshold now, unfortunately.\n\nThat's a bummer. Well, you've also you're also losing $300 out of your pay, aren't you? So have a look at what that looks like when they're paying that back and see what it comes out at because it might push you down under that threshold. Yep. And it's $300 a week that you're paying back the leave.\n\nI've got here three three hundred and 12 32 100. Yep. And that's right. And then your purchase repayment to leave is $312.71, and that's on a that's a fortnight, isn't it? Yeah.\n\nIt's a fortnight because your income's fortnightly. The $3.01 2 and 71. It still keeps us just above that threshold. One by two. Oh, no.\n\nIf we can swing that, if your payslips can show how much you're getting, they might swing it. I don't it depends on how Centrelink will assess it, but if you use 3,200 roughly on a fortnightly basis minus of that 312 that you have to repay back to leave. It's knocking your income down to $2.08 $8.07, which per week is about 1,400. So that is just under the threshold that might work that might work. As long as Centrelink assess it that way, it always comes down to how they're gonna assess things realistically because you're not getting that money.\n\nYou're you're paying it back. It shouldn't be considered. But just sort of see because they're gonna wanna see payslips as well. So just give them the payslips and let them know that you're obviously not getting that $312.71 on a fortnightly basis because you've had to take extra leave, and you've gotta repay that back to the company for the leave that you've bought. So it does reduce your take home pay.\n\nIf you explain it that way and provide the pace that's showing that when they request them, see how they assess it. It might make you eligible enough for the low income health care card or the HCC just depending on how they're gonna assess it. But if you can get that and get it across the line, that'll make so much of a difference to your health care, doctor's costs, everything. So yep. Yep.\n\nYeah. Yeah. It it looks like it should still just be okay. Yeah. But yeah.\n\nYeah. Yep. I always sort of suggest when we're talking to Centrelink, build the story. Tell them what you like, what you've got, what you're doing, how it works, and what you take home is maybe provide some, like, bank statements as well that show your pay going in on a regular basis so they can see what you're getting on your payslip versus how much is actually going into your account so they can see what you have to live on. And that can sometimes be really helpful for them as well.\n\nIt's that building that story and helping them understand what your living looks like. There's always a slight decline the health care card side of things, but I always think what's the worst they can do? They can say no. I would always try and see what happens. Correct.\n\nCorrect. You're still eligible for something. And even the money you're gonna get, if you don't have to use that towards your weekly expenditure, you can put it away in another account somewhere, offset your mortgage a little bit. That's gonna provide a great benefit. But if you can just get this little health care card as well, that's gonna provide just a little bit more of a benefit to you.\n\nYeah. Yeah. Okay. No. That's okay.\n\nNo worries at all. If there's anything else, let me know. Let me know how you go with those few things as well. And, yeah, feel free to let me know. If anything else that comes to mind, I'm more than happy to talk you through it, and we can look at it.\n\nBut I would definitely be looking at that home and contents insurance and trying to reduce the payment there, go forward with the settling stuff, and see how we go. Okay. Yeah. That's okay. Yep.\n\nYep. Perfect. And I'll get I'll get those comparison sites, the the links, and send them through to you. Okay? No.\n\nIt's okay. You have I will. No. I've got bookings all afternoon, but it'd be fine. That's it.\n\nIt's all good. The weekend's coming. That's exactly right. All good, Catherine. Thank you so much.\n\nThat's okay. You have a good arvo. Talk soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Catherine.","start":1.52,"end":2.24,"sentiment":"neutral","sentiment_score":0.16280154883861542},{"text":"It's Dana from Okie Financial.","start":2.24,"end":3.78,"sentiment":"neutral","sentiment_score":0.25354350209236143},{"text":"How are you?","start":3.9199998,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.23436401784420013},{"text":"How's everything going for you?","start":9.84,"end":11.28,"sentiment":"neutral","sentiment_score":0.28933539390563967},{"text":"I got your emails through.","start":11.28,"end":12.639999,"sentiment":"neutral","sentiment_score":0.310362845659256}],"sentiment":"neutral","sentiment_score":0.2647451929748058,"num_words":20,"start":1.52,"end":12.639999},{"sentences":[{"text":"Thank you for sending those.","start":12.639999,"end":14.099999,"sentiment":"positive","sentiment_score":0.6425008296966552},{"text":"How's everything going for you at the moment?","start":14.16,"end":15.975,"sentiment":"positive","sentiment_score":0.34806273877620697},{"text":"Actually, sorry.","start":16.535,"end":17.015,"sentiment":"neutral","sentiment_score":-0.08643525838851929},{"text":"Before I do, I did have to sorry.","start":17.015,"end":18.775,"sentiment":"neutral","sentiment_score":-0.10214100126177073},{"text":"I do apologize.","start":18.775,"end":19.495,"sentiment":"neutral","sentiment_score":-0.056640610098838806}],"sentiment":"neutral","sentiment_score":0.18604175775096968,"num_words":26,"start":12.639999,"end":19.495},{"sentences":[{"text":"I just did forget to let you know I did forget to let you know we do that's exactly right.","start":19.495,"end":25.494999,"sentiment":"neutral","sentiment_score":0.11429979018867016},{"text":"And just to do security with you as well, just your full name, date of birth, and address.","start":25.494999,"end":29.095001,"sentiment":"neutral","sentiment_score":0.09903533487684196},{"text":"Sorry.","start":29.095001,"end":29.595001,"sentiment":"neutral","sentiment_score":-0.051617637276649475},{"text":"Yep.","start":35.08,"end":35.58,"sentiment":"neutral","sentiment_score":0.018311340361833572},{"text":"Oh, so how's everything going?","start":44.265,"end":45.704998,"sentiment":"neutral","sentiment_score":0.052345717698335646}],"sentiment":"neutral","sentiment_score":0.09549009162518714,"num_words":45,"start":19.495,"end":45.704998},{"sentences":[{"text":"Thank you for doing that.","start":45.704998,"end":46.505,"sentiment":"neutral","sentiment_score":0.28158026933670044},{"text":"So sorry.","start":46.505,"end":46.905,"sentiment":"neutral","sentiment_score":-0.08201751857995986},{"text":"I forgot to do that.","start":46.905,"end":47.704998,"sentiment":"neutral","sentiment_score":-0.13448360562324524},{"text":"I don't normally forget to do security side of things.","start":47.704998,"end":50.285,"sentiment":"neutral","sentiment_score":-0.06182326748967171},{"text":"That's it.","start":54.025,"end":54.845,"sentiment":"neutral","sentiment_score":-0.09199867397546768}],"sentiment":"neutral","sentiment_score":-0.009615905893345674,"num_words":24,"start":45.704998,"end":54.845},{"sentences":[{"text":"How's everything been for you lately?","start":56.025,"end":58.125,"sentiment":"neutral","sentiment_score":0.018446595097581547},{"text":"Oh, no.","start":61.29,"end":61.850002,"sentiment":"neutral","sentiment_score":-0.23218472301959991},{"text":"Really?","start":61.850002,"end":62.350002,"sentiment":"neutral","sentiment_score":-0.20174488425254825},{"text":"Still all up in the air?","start":62.49,"end":63.95,"sentiment":"neutral","sentiment_score":-0.21668247878551483},{"text":"Oh, wow.","start":67.770004,"end":68.490005,"sentiment":"neutral","sentiment_score":-0.1245867908000946}],"sentiment":"neutral","sentiment_score":-0.12380607141291394,"num_words":17,"start":56.025,"end":68.490005},{"sentences":[{"text":"I yeah.","start":68.490005,"end":69.21001,"sentiment":"neutral","sentiment_score":-0.10946284979581833},{"text":"I can see here that you weren't oh, really?","start":69.21001,"end":72.135,"sentiment":"neutral","sentiment_score":-0.16859179817967945},{"text":"Yeah.","start":77.955,"end":78.455,"sentiment":"neutral","sentiment_score":-0.1064954549074173},{"text":"Okay.","start":94.77,"end":95.17,"sentiment":"neutral","sentiment_score":-0.06304558366537094},{"text":"Yep.","start":95.17,"end":95.67,"sentiment":"neutral","sentiment_score":-0.0748128890991211}],"sentiment":"neutral","sentiment_score":-0.14147184363433293,"num_words":14,"start":68.490005,"end":95.67},{"sentences":[{"text":"Was the yeah.","start":99.825005,"end":101.905,"sentiment":"neutral","sentiment_score":-0.13062654932339987},{"text":"And was that before they included the interest rate rise?","start":101.905,"end":105.105,"sentiment":"neutral","sentiment_score":-0.03201861642301083},{"text":"Because was that kind of before or after they changed the interest rate?","start":105.105,"end":108.485,"sentiment":"neutral","sentiment_score":-0.0702877273926368},{"text":"Oh, Sorry.","start":110.945,"end":112.46,"sentiment":"neutral","sentiment_score":-0.1264205314218998},{"text":"Oh, okay.","start":113.08,"end":113.9,"sentiment":"neutral","sentiment_score":-0.051120342686772346}],"sentiment":"neutral","sentiment_score":-0.06602960055073102,"num_words":30,"start":99.825005,"end":113.9},{"sentences":[{"text":"No.","start":114.28,"end":114.520004,"sentiment":"neutral","sentiment_score":-0.07197990268468857},{"text":"That's okay.","start":114.520004,"end":115.0,"sentiment":"neutral","sentiment_score":0.0033814311027526855},{"text":"It's the preapproval.","start":115.0,"end":115.74,"sentiment":"neutral","sentiment_score":0.07299053172270457},{"text":"That's fine.","start":116.04,"end":116.86,"sentiment":"neutral","sentiment_score":0.21188197284936905},{"text":"Not a worry.","start":116.92,"end":117.82,"sentiment":"neutral","sentiment_score":0.18674607574939728}],"sentiment":"neutral","sentiment_score":0.10343242978507822,"num_words":11,"start":114.28,"end":117.82},{"sentences":[{"text":"So adding that extra money does mean you pay a little bit more on your mortgage, but it does free up a little bit of extra cash flow there for you as well.","start":118.04,"end":125.020004,"sentiment":"positive","sentiment_score":0.3749230413725882},{"text":"Oh, no.","start":143.75,"end":144.33,"sentiment":"negative","sentiment_score":-0.5212774723768234},{"text":"Yeah.","start":152.87001,"end":153.37001,"sentiment":"neutral","sentiment_score":-0.0793616771697998},{"text":"Yep.","start":156.11499,"end":156.61499,"sentiment":"neutral","sentiment_score":-0.06471005082130432},{"text":"Yep.","start":158.67499,"end":159.17499,"sentiment":"neutral","sentiment_score":-0.01274598203599453}],"sentiment":"neutral","sentiment_score":0.2940286239609122,"num_words":38,"start":118.04,"end":159.17499},{"sentences":[{"text":"Wow.","start":168.53,"end":169.03,"sentiment":"neutral","sentiment_score":-0.1257009357213974},{"text":"Yeah.","start":176.53,"end":177.03,"sentiment":"neutral","sentiment_score":-0.09291589260101318},{"text":"No.","start":183.56999,"end":184.06999,"sentiment":"neutral","sentiment_score":-0.1568828672170639},{"text":"I'm so sorry you're going through that.","start":186.14499,"end":188.00499,"sentiment":"neutral","sentiment_score":-0.27369370205061777},{"text":"Yeah.","start":192.385,"end":192.885,"sentiment":"neutral","sentiment_score":-0.29995280504226685}],"sentiment":"neutral","sentiment_score":-0.23557349226691507,"num_words":11,"start":168.53,"end":192.885},{"sentences":[{"text":"It's gonna cost you more money though, isn't it?","start":205.79001,"end":208.13,"sentiment":"neutral","sentiment_score":-0.29878822962443036},{"text":"Wow.","start":213.15001,"end":213.65001,"sentiment":"neutral","sentiment_score":0.018939971923828125},{"text":"That's a 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Christmas?","start":233.24,"end":235.1,"sentiment":"neutral","sentiment_score":0.22680644690990448}],"sentiment":"neutral","sentiment_score":0.21001377159898932,"num_words":11,"start":229.48,"end":235.1},{"sentences":[{"text":"Did you have at least a good Chrissy?","start":235.16,"end":237.26,"sentiment":"neutral","sentiment_score":0.28243664652109146},{"text":"How'd everything go then?","start":237.31999,"end":238.7,"sentiment":"neutral","sentiment_score":0.18923722580075264},{"text":"Yeah.","start":243.445,"end":243.945,"sentiment":"neutral","sentiment_score":0.01597968302667141},{"text":"Yeah.","start":262.82,"end":263.32,"sentiment":"neutral","sentiment_score":-0.0883488804101944},{"text":"Yeah.","start":276.675,"end":277.175,"sentiment":"neutral","sentiment_score":0.10664086788892746}],"sentiment":"neutral","sentiment_score":0.20338091639180977,"num_words":15,"start":235.16,"end":277.175},{"sentences":[{"text":"Yep.","start":284.72998,"end":285.22998,"sentiment":"neutral","sentiment_score":0.10405401885509492},{"text":"Yeah.","start":292.33,"end":292.83,"sentiment":"neutral","sentiment_score":-0.05145396292209625},{"text":"Yeah.","start":293.93,"end":294.43,"sentiment":"neutral","sentiment_score":-0.04082993417978287},{"text":"Yeah.","start":302.585,"end":302.98502,"sentiment":"neutral","sentiment_score":0.019302871078252792},{"text":"Yep.","start":302.98502,"end":303.48502,"sentiment":"neutral","sentiment_score":0.015568098984658718}],"sentiment":"neutral","sentiment_score":0.009328218363225463,"num_words":5,"start":284.72998,"end":303.48502},{"sentences":[{"text":"Okay.","start":310.43997,"end":310.93997,"sentiment":"neutral","sentiment_score":0.014037654735147951},{"text":"Yep.","start":311.47998,"end":311.97998,"sentiment":"neutral","sentiment_score":0.02690317295491695},{"text":"Yeah.","start":320.52,"end":321.02,"sentiment":"neutral","sentiment_score":-0.01614229567348957},{"text":"Yeah.","start":322.12,"end":322.62,"sentiment":"neutral","sentiment_score":-0.0016136481426656246},{"text":"Yeah.","start":324.505,"end":325.005,"sentiment":"neutral","sentiment_score":0.026829726994037628}],"sentiment":"neutral","sentiment_score":0.010002922173589467,"num_words":5,"start":310.43997,"end":325.005},{"sentences":[{"text":"I mean, that'll be good to have that downtime with him on those Wednesdays that you can as well, maybe go to the park and just hopefully have a stress free day.","start":327.065,"end":335.64,"sentiment":"neutral","sentiment_score":0.21808660437818617},{"text":"Oh, 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and dirty.","start":362.97,"end":364.34998,"sentiment":"neutral","sentiment_score":-0.07043466530740261}],"sentiment":"neutral","sentiment_score":-0.03838870384626918,"num_words":9,"start":357.015,"end":364.34998},{"sentences":[{"text":"Oh, goodness me.","start":366.81,"end":368.66998,"sentiment":"neutral","sentiment_score":0.01789215486496687},{"text":"Oh, so you've purchased some leave, which is good.","start":368.81,"end":371.53,"sentiment":"neutral","sentiment_score":0.023496328335669305},{"text":"That gives you some extra leave in there, but, admittedly, it does.","start":371.53,"end":375.78998,"sentiment":"neutral","sentiment_score":-0.01348004350438714},{"text":"It does.","start":376.92502,"end":377.58502,"sentiment":"neutral","sentiment_score":-0.02615238633006811},{"text":"Yeah.","start":377.64502,"end":377.965,"sentiment":"neutral","sentiment_score":-0.02898595854640007}],"sentiment":"neutral","sentiment_score":0.0008182283835830512,"num_words":27,"start":366.81,"end":377.965},{"sentences":[{"text":"Because it looks like you've gotta you've gotta repay that back.","start":377.965,"end":380.86502,"sentiment":"neutral","sentiment_score":-0.05356413498520851},{"text":"So yeah.","start":381.405,"end":383.265,"sentiment":"neutral","sentiment_score":-0.005358527414500713},{"text":"Yep.","start":388.445,"end":388.945,"sentiment":"neutral","sentiment_score":0.01718197390437126},{"text":"Yep.","start":389.165,"end":389.64502,"sentiment":"neutral","sentiment_score":0.09029697626829147},{"text":"So it does reduce your take home pay a little 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that?","start":425.63,"end":427.25,"sentiment":"neutral","sentiment_score":-0.02715417630970478},{"text":"Okay.","start":429.47,"end":429.97,"sentiment":"neutral","sentiment_score":-0.01580800861120224},{"text":"Yeah.","start":430.59,"end":431.09,"sentiment":"neutral","sentiment_score":-0.021860137581825256}],"sentiment":"neutral","sentiment_score":-0.06986012479996886,"num_words":29,"start":414.325,"end":431.09},{"sentences":[{"text":"Yep.","start":432.91,"end":433.305,"sentiment":"neutral","sentiment_score":-0.01825883984565735},{"text":"Yep.","start":437.065,"end":437.565,"sentiment":"neutral","sentiment_score":0.010133713483810425},{"text":"Okay.","start":444.66498,"end":445.16498,"sentiment":"neutral","sentiment_score":0.03021593764424324},{"text":"Yep.","start":448.12,"end":448.62,"sentiment":"neutral","sentiment_score":0.061008915305137634},{"text":"Yep.","start":450.2,"end":450.7,"sentiment":"neutral","sentiment_score":0.24508504569530487}],"sentiment":"neutral","sentiment_score":0.06563695445656777,"num_words":5,"start":432.91,"end":450.7},{"sentences":[{"text":"Oh, that'll be nice.","start":457.72,"end":458.985,"sentiment":"positive","sentiment_score":0.38947293907403946},{"text":"Yeah.","start":461.22498,"end":461.72498,"sentiment":"neutral","sentiment_score":0.2255985736846924},{"text":"Mhmm.","start":473.16998,"end":473.66998,"sentiment":"neutral","sentiment_score":0.09321495145559312},{"text":"Yep.","start":475.88998,"end":476.38998,"sentiment":"positive","sentiment_score":0.3354682922363281},{"text":"Yep.","start":478.53,"end":479.03,"sentiment":"neutral","sentiment_score":0.0644850879907608}],"sentiment":"neutral","sentiment_score":0.28458233270794153,"num_words":8,"start":457.72,"end":479.03},{"sentences":[{"text":"Yeah.","start":484.51498,"end":485.01498,"sentiment":"neutral","sentiment_score":0.022393692284822464},{"text":"And is he still putting any money into the mortgage to as kind of the child support scenario, or is that not happening still?","start":485.07498,"end":491.715,"sentiment":"neutral","sentiment_score":-0.04122038542603453},{"text":"I know it was sort of sort of was and sort of wasn't.","start":491.715,"end":493.955,"sentiment":"neutral","sentiment_score":-0.08129555416794923},{"text":"It stopped.","start":493.955,"end":494.695,"sentiment":"neutral","sentiment_score":-0.03496840689331293},{"text":"Okay.","start":494.755,"end":495.255,"sentiment":"neutral","sentiment_score":0.13249358534812927}],"sentiment":"neutral","sentiment_score":-0.04783368269663032,"num_words":41,"start":484.51498,"end":495.255},{"sentences":[{"text":"Okay.","start":498.435,"end":498.81,"sentiment":"neutral","sentiment_score":0.12166136503219604},{"text":"Yeah.","start":501.29,"end":501.79,"sentiment":"neutral","sentiment_score":0.03841973841190338},{"text":"It might be worth yeah.","start":502.09,"end":504.91,"sentiment":"neutral","sentiment_score":0.08080084398388862},{"text":"I mean, if he if he doesn't sort of pay that, it might even be worth going forward and doing the child support properly because at least I mean, even and the biggest thing with that is even when you go through that system of trying to get the child support, there's always a chance they're still not gonna pay.","start":505.37,"end":522.725,"sentiment":"neutral","sentiment_score":-0.019166067459930977},{"text":"I had trouble with that back when I was a single parent with my ex, but at least while he's young with the school fees and things like that, if you do decide to go down that track as hard as it can be, at least you've got someone on your side tracking how much child support you're supposed to have, and they they can then, you know, try to push it out of him, garnish his wages, go shoot the court system, do whatever they need to do to get that extra bit of help for you.","start":523.025,"end":549.97504,"sentiment":"neutral","sentiment_score":-0.22773005026487672}],"sentiment":"neutral","sentiment_score":-0.13880862818297113,"num_words":165,"start":498.435,"end":549.97504},{"sentences":[{"text":"Because if you're paying for everything and not getting anything out of it, it it does it's gonna yeah.","start":549.97504,"end":556.37,"sentiment":"neutral","sentiment_score":-0.2972582492389177},{"text":"It does cause such a lot of stress on yourself, and your son definitely notices things like that.","start":556.37,"end":561.57,"sentiment":"negative","sentiment_score":-0.4928972191280789},{"text":"So it would be worth maybe going down that route if he doesn't keep paying for the school fees just to alleviate a little bit of pressure on yourself.","start":561.57,"end":570.255,"sentiment":"neutral","sentiment_score":-0.24006481031919347},{"text":"Yeah.","start":574.71497,"end":575.21497,"sentiment":"neutral","sentiment_score":0.031180649995803833},{"text":"Yeah.","start":577.995,"end":578.495,"sentiment":"neutral","sentiment_score":0.10885286331176758}],"sentiment":"neutral","sentiment_score":-0.3138515097910867,"num_words":68,"start":549.97504,"end":578.495},{"sentences":[{"text":"Yep.","start":583.12,"end":583.62,"sentiment":"neutral","sentiment_score":0.08747026324272156},{"text":"Yeah.","start":594.4,"end":594.9,"sentiment":"neutral","sentiment_score":0.039130665361881256},{"text":"Yeah.","start":595.36,"end":595.86,"sentiment":"neutral","sentiment_score":-0.05539168417453766},{"text":"Yep.","start":602.145,"end":602.645,"sentiment":"neutral","sentiment_score":0.011033049784600736},{"text":"Yeah.","start":603.585,"end":604.085,"sentiment":"neutral","sentiment_score":0.01773318648338318}],"sentiment":"neutral","sentiment_score":0.019995096139609814,"num_words":5,"start":583.12,"end":604.085},{"sentences":[{"text":"Absolutely.","start":606.705,"end":607.205,"sentiment":"neutral","sentiment_score":0.2543810307979584},{"text":"Absolutely.","start":607.98505,"end":608.48505,"sentiment":"neutral","sentiment_score":0.25511884689331055},{"text":"Yeah.","start":609.505,"end":610.005,"sentiment":"neutral","sentiment_score":0.2047059535980225},{"text":"Definitely.","start":610.465,"end":610.965,"sentiment":"neutral","sentiment_score":0.26893359422683716},{"text":"And you updated the quote to reduce your home and contents insurance a little bit as well?","start":611.87,"end":617.17,"sentiment":"neutral","sentiment_score":0.08547887556693133}],"sentiment":"neutral","sentiment_score":0.11601334810256958,"num_words":21,"start":606.705,"end":617.17},{"sentences":[{"text":"Mhmm.","start":624.91,"end":625.335,"sentiment":"neutral","sentiment_score":0.04615023359656334},{"text":"It is.","start":630.375,"end":630.935,"sentiment":"neutral","sentiment_score":0.08781002461910248},{"text":"Because in the budget plan that we had done up, your home and contents insurance was costing 2,445 annually.","start":630.935,"end":638.955,"sentiment":"neutral","sentiment_score":0.10900312760158588},{"text":"So this quote that you've sent me is saving you about $729 on a yearly basis.","start":639.66,"end":647.27997,"sentiment":"neutral","sentiment_score":0.31108913384377956},{"text":"Yeah.","start":657.195,"end":657.595,"sentiment":"neutral","sentiment_score":0.027512868866324425}],"sentiment":"neutral","sentiment_score":0.18712227481106916,"num_words":39,"start":624.91,"end":657.595},{"sentences":[{"text":"Well, that's the one I the quote I was looking at is the plus option at the bottom because one of the big things to look at when you are your home and content insurance is having that top cover often covers you for, like, storm damage, accidental damage, things like that that aren't normally done under your basic options.","start":657.595,"end":674.99,"sentiment":"neutral","sentiment_score":0.016414356759438913},{"text":"So that's something I learned back in the day working in banking and insurance types of things, having that tough cover.","start":675.05,"end":682.365,"sentiment":"neutral","sentiment_score":0.030620872264816648},{"text":"But even that tough cover, it's saving you that $729.","start":682.365,"end":686.28503,"sentiment":"neutral","sentiment_score":0.1398746021091938},{"text":"So that would put a little bit more back into your budget, which is not a bad thing, give you a little bit extra free cash flow on a weekly basis.","start":686.28503,"end":693.67,"sentiment":"neutral","sentiment_score":0.2410274806522554},{"text":"So what?","start":694.45,"end":694.85,"sentiment":"neutral","sentiment_score":0.06339377351105213}],"sentiment":"neutral","sentiment_score":0.08568778380210842,"num_words":124,"start":657.595,"end":694.85},{"sentences":[{"text":"$7.29, if we look at that, say, on a weekly basis, it's giving you an extra it's $14 a week, but that over the year adds up drastically.","start":694.85,"end":702.23,"sentiment":"neutral","sentiment_score":0.08024286798068456},{"text":"Yep.","start":703.41,"end":703.91,"sentiment":"neutral","sentiment_score":0.04746924340724945},{"text":"Yep.","start":704.53,"end":704.955,"sentiment":"neutral","sentiment_score":0.1288922280073166},{"text":"Perfect.","start":710.715,"end":711.215,"sentiment":"positive","sentiment_score":0.6963322758674622},{"text":"Did you end up applying for, like, Centrelink or anything like that trying to obtain any of that?","start":711.835,"end":716.97,"sentiment":"neutral","sentiment_score":0.2878280348247952}],"sentiment":"neutral","sentiment_score":0.16939589137933692,"num_words":49,"start":694.85,"end":716.97},{"sentences":[{"text":"Okay.","start":724.81,"end":725.31,"sentiment":"neutral","sentiment_score":0.1518164575099945},{"text":"Yep.","start":728.32996,"end":728.82996,"sentiment":"neutral","sentiment_score":0.09991350769996644},{"text":"Yep.","start":730.49,"end":730.935,"sentiment":"neutral","sentiment_score":0.020440885797142982},{"text":"Yep.","start":733.575,"end":734.055,"sentiment":"neutral","sentiment_score":-0.0008096409728750587},{"text":"Yep.","start":734.055,"end":734.555,"sentiment":"neutral","sentiment_score":0.06576091051101685}],"sentiment":"neutral","sentiment_score":0.06742442410904914,"num_words":5,"start":724.81,"end":734.555},{"sentences":[{"text":"Yeah.","start":737.65497,"end":738.15497,"sentiment":"neutral","sentiment_score":0.10282330960035324},{"text":"Yeah.","start":738.295,"end":738.695,"sentiment":"neutral","sentiment_score":0.12210287153720856},{"text":"Absolutely.","start":738.695,"end":739.195,"sentiment":"neutral","sentiment_score":0.16285476088523865},{"text":"Or just putting it on your mortgage and kind of having it free cash, it's sort of offsetting your interest a little bit as well.","start":739.335,"end":745.115,"sentiment":"neutral","sentiment_score":0.010663846880197525},{"text":"Yeah.","start":748.24,"end":748.74,"sentiment":"neutral","sentiment_score":0.10675890743732452}],"sentiment":"neutral","sentiment_score":0.02624606970569183,"num_words":29,"start":737.65497,"end":748.74},{"sentences":[{"text":"Yep.","start":751.2,"end":751.7,"sentiment":"neutral","sentiment_score":0.08420553058385849},{"text":"Yep.","start":752.24,"end":752.74,"sentiment":"neutral","sentiment_score":0.14581897854804993},{"text":"Perfect.","start":752.8,"end":753.3,"sentiment":"positive","sentiment_score":0.38952600955963135},{"text":"And anything else that's kind of changed?","start":754.24,"end":756.08,"sentiment":"neutral","sentiment_score":0.07135074026882648},{"text":"How did you sort of go with reducing the budget down and has that I know with the the face of the solicitors, it's probably all a bit up in the air at the moment, but has any of it kind of made much of a difference to your budget, or is this all still a little bit hard?","start":756.08,"end":769.365,"sentiment":"neutral","sentiment_score":-0.0686622067528256}],"sentiment":"neutral","sentiment_score":-0.04249368837454181,"num_words":69,"start":751.2,"end":769.365},{"sentences":[{"text":"Or what's okay.","start":769.365,"end":770.675,"sentiment":"neutral","sentiment_score":0.015764706768095493},{"text":"Okay.","start":776.31,"end":776.81,"sentiment":"neutral","sentiment_score":0.09754671156406404},{"text":"That's good.","start":777.35004,"end":777.99005,"sentiment":"neutral","sentiment_score":0.3045606464147568},{"text":"Yep.","start":777.99005,"end":778.49005,"sentiment":"neutral","sentiment_score":0.09483426809310912},{"text":"Yes.","start":802.18,"end":802.68,"sentiment":"neutral","sentiment_score":-0.0586206391453743}],"sentiment":"neutral","sentiment_score":0.09877196920569986,"num_words":8,"start":769.365,"end":802.68},{"sentences":[{"text":"So bill would have drastically decreased.","start":804.74,"end":806.76,"sentiment":"negative","sentiment_score":-0.4222512940565745},{"text":"Yeah.","start":807.22,"end":807.72,"sentiment":"neutral","sentiment_score":-0.2120900601148605},{"text":"Yeah.","start":814.78503,"end":815.105,"sentiment":"neutral","sentiment_score":-0.15128466486930847},{"text":"Definitely shop around for those.","start":815.105,"end":816.725,"sentiment":"negative","sentiment_score":-0.38738717436790465},{"text":"That's alright.","start":818.465,"end":819.265,"sentiment":"neutral","sentiment_score":0.1250067800283432}],"sentiment":"neutral","sentiment_score":-0.3055869867404302,"num_words":15,"start":804.74,"end":819.265},{"sentences":[{"text":"There are a little couple of comparison sites out there for, like, comparison?","start":819.265,"end":828.11,"sentiment":"neutral","sentiment_score":0.10900146342240848},{"text":"Yep.","start":830.01,"end":830.51,"sentiment":"neutral","sentiment_score":0.22830669581890103},{"text":"Perfect.","start":830.81,"end":831.31,"sentiment":"positive","sentiment_score":0.6665034294128418},{"text":"So electricity and gas.","start":831.52997,"end":834.51,"sentiment":"positive","sentiment_score":0.41130661219358444},{"text":"I'll find those sites, and I'll email the link through to you for you to sort of sit down, have a bit of a play with and see if that makes a bit of a 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right?","start":870.225,"end":871.045,"sentiment":"neutral","sentiment_score":0.02824222855269909},{"text":"No.","start":873.345,"end":873.58496,"sentiment":"neutral","sentiment_score":-0.1821948438882828}],"sentiment":"neutral","sentiment_score":0.03615260124206543,"num_words":26,"start":864.22003,"end":873.58496},{"sentences":[{"text":"It's all you.","start":873.58496,"end":874.545,"sentiment":"neutral","sentiment_score":-0.1724159320195516},{"text":"You're the only one with access to your offset?","start":874.545,"end":876.40497,"sentiment":"neutral","sentiment_score":-0.06610074804888831},{"text":"Yeah.","start":876.46497,"end":876.96497,"sentiment":"neutral","sentiment_score":-0.04055155813694},{"text":"Perfect.","start":880.41,"end":880.64996,"sentiment":"neutral","sentiment_score":0.1817014217376709},{"text":"Because one of the things perfect.","start":880.64996,"end":883.37,"sentiment":"neutral","sentiment_score":0.048229595025380455}],"sentiment":"neutral","sentiment_score":-0.0340813547372818,"num_words":20,"start":873.58496,"end":883.37},{"sentences":[{"text":"One of the things you made mention is putting money in there but taking it back out, but that might have just been a joint account.","start":883.37,"end":887.93,"sentiment":"neutral","sentiment_score":-0.00726019017971479},{"text":"That's okay.","start":887.93,"end":888.67,"sentiment":"neutral","sentiment_score":0.16797658801078796},{"text":"Because utilizing that offset account or, you know, an account that is attached to your home loan to put all your excess, like, any savings or any leftover money at the end of the week or the fortnight into that offset account will help to offset some of the interest because interest rates have gone up, which can make a bit of a 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funds.","start":920.17,"end":923.34503,"sentiment":"neutral","sentiment_score":0.037279732432216404},{"text":"Yeah.","start":924.445,"end":924.84503,"sentiment":"neutral","sentiment_score":0.11984126269817352},{"text":"But making sure the offset account is used over putting the money directly on the loan, it still does the same thing.","start":924.84503,"end":929.72504,"sentiment":"neutral","sentiment_score":0.1506278985603289},{"text":"It offsets the amount of interest you are paying.","start":929.72504,"end":932.065,"sentiment":"neutral","sentiment_score":0.17686121496889326}],"sentiment":"neutral","sentiment_score":0.133459954997342,"num_words":51,"start":918.01,"end":932.065},{"sentences":[{"text":"It's just that in an offset account, it's another access account.","start":932.125,"end":935.005,"sentiment":"neutral","sentiment_score":0.12560910054228522},{"text":"So it's offsetting your interest that you're paying on your loan, but you can still access those funds if you need to for bills and, you know, food and things like that.","start":935.005,"end":943.19,"sentiment":"neutral","sentiment_score":0.15386205143295228},{"text":"Yeah.","start":945.17,"end":945.67,"sentiment":"neutral","sentiment_score":0.25736671686172485},{"text":"Perfect.","start":946.13,"end":946.63,"sentiment":"positive","sentiment_score":0.5701208114624023},{"text":"All good.","start":948.185,"end":948.58496,"sentiment":"positive","sentiment_score":0.5340530872344971}],"sentiment":"neutral","sentiment_score":0.17448679690665386,"num_words":47,"start":932.125,"end":948.58496},{"sentences":[{"text":"Is there anything else that kind of has been coming to mind that you've been thinking about?","start":948.58496,"end":952.925,"sentiment":"neutral","sentiment_score":0.0352726030327818},{"text":"Or 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year.","start":1022.85,"end":1033.7051,"sentiment":"neutral","sentiment_score":0.20384518820338132},{"text":"Maybe pausing a few more of those services for a month or two while you're not utilizing them.","start":1033.8451,"end":1038.505,"sentiment":"neutral","sentiment_score":0.05149372535136839}],"sentiment":"neutral","sentiment_score":0.1829328714135352,"num_words":71,"start":1018.20996,"end":1038.505},{"sentences":[{"text":"And then, yeah, just, you know, trying to put any extra cash into your offset account.","start":1039.685,"end":1044.18,"sentiment":"neutral","sentiment_score":0.04493231000378728},{"text":"That way, it's sort of sitting there and giving you a bit of benefit as well if that helps a little bit more.","start":1044.18,"end":1048.8401,"sentiment":"neutral","sentiment_score":0.3093649142462274},{"text":"And then I'll send through an email just with some comparison details like gas, and you can have a bit of a look at those and see if you can save a bit of money in those areas as well.","start":1049.14,"end":1059.955,"sentiment":"neutral","sentiment_score":0.09445380475372075},{"text":"Does that help a bit more?","start":1059.955,"end":1061.255,"sentiment":"neutral","sentiment_score":0.09328159193197887},{"text":"Yeah.","start":1062.995,"end":1063.495,"sentiment":"neutral","sentiment_score":-0.04027372971177101}],"sentiment":"neutral","sentiment_score":0.14106834883433442,"num_words":86,"start":1039.685,"end":1063.495},{"sentences":[{"text":"Yeah.","start":1064.915,"end":1065.395,"sentiment":"neutral","sentiment_score":-0.1643703579902649},{"text":"And keep going with the Centrelink application.","start":1065.395,"end":1067.315,"sentiment":"neutral","sentiment_score":-0.279258315052305},{"text":"I know it's painful to do.","start":1067.315,"end":1069.2599,"sentiment":"neutral","sentiment_score":-0.271582859257857},{"text":"But once they get the assessment through, getting anything you can out of them on a fortnightly basis, even if you're not utilizing it, you're just putting it in, like, maybe an offset account and having it sit there.","start":1069.2599,"end":1080.32,"sentiment":"neutral","sentiment_score":-0.1895308051353846},{"text":"Again, it's just a little bit of extra money that you can fall back on.","start":1080.38,"end":1083.6799,"sentiment":"neutral","sentiment_score":-0.23019341131051382}],"sentiment":"neutral","sentiment_score":-0.21460703365943012,"num_words":68,"start":1064.915,"end":1083.6799},{"sentences":[{"text":"And if you're on, like, single parent pension or, you know, any of those sorts of things, you having a health care card, if you can get that as well, which I'm pretty sure you do with the parenting payment and all the supplement a and b, that can help.","start":1084.295,"end":1098.32,"sentiment":"neutral","sentiment_score":-0.18865220442414285},{"text":"I'm pretty let me have a look, see if it's changed.","start":1103.5,"end":1118.755,"sentiment":"neutral","sentiment_score":-0.05001227574592287},{"text":"They had us they did use to allow it if you were on parts for a certain amount.","start":1119.375,"end":1127.14,"sentiment":"neutral","sentiment_score":-0.01607941494633754},{"text":"I'm just gonna have a look.","start":1128.3201,"end":1129.52,"sentiment":"neutral","sentiment_score":0.07381972670555115},{"text":"So Centrelink Healthcare card.","start":1129.52,"end":1131.3,"sentiment":"neutral","sentiment_score":0.0768602630123496}],"sentiment":"neutral","sentiment_score":-0.10698668888947938,"num_words":89,"start":1084.295,"end":1131.3},{"sentences":[{"text":"Yeah.","start":1135.52,"end":1135.76,"sentiment":"neutral","sentiment_score":0.045901909470558167},{"text":"You yeah.","start":1135.76,"end":1136.3201,"sentiment":"neutral","sentiment_score":0.05539990961551666},{"text":"You said that goes up a bit more then.","start":1136.3201,"end":1138.5,"sentiment":"neutral","sentiment_score":0.05166101538472705},{"text":"That might yeah.","start":1138.56,"end":1144.495,"sentiment":"neutral","sentiment_score":0.07155644272764523},{"text":"Yeah.","start":1146.235,"end":1146.735,"sentiment":"neutral","sentiment_score":0.03189762681722641}],"sentiment":"neutral","sentiment_score":0.05426361388526857,"num_words":16,"start":1135.52,"end":1146.735},{"sentences":[{"text":"No.","start":1146.875,"end":1147.115,"sentiment":"neutral","sentiment_score":-0.04561009630560875},{"text":"That's okay.","start":1147.115,"end":1147.855,"sentiment":"neutral","sentiment_score":0.17968690395355225},{"text":"There's also ways around, like, if you have to go to specialists and things like that, like talking to your doctor because there's a lot of other services with regard to the health side of things that are covered by Medicare.","start":1149.035,"end":1159.83,"sentiment":"neutral","sentiment_score":0.05021620950684315},{"text":"So, like, when I take my kids to the the doctors, I'll say, like, what can I get under Medicare first and how accessible is it?","start":1159.83,"end":1168.155,"sentiment":"neutral","sentiment_score":0.01645747511289441},{"text":"And, like, with my daughter, she's got depression at the moment, so she's accessing cheap she gets, like, 10 a year psychologist visits, and she only pays about a $100 for those rather than the normal 2 to 300 for the visit.","start":1168.635,"end":1182.0751,"sentiment":"neutral","sentiment_score":-0.01758143607349623}],"sentiment":"neutral","sentiment_score":0.018411628028843552,"num_words":112,"start":1146.875,"end":1182.0751},{"sentences":[{"text":"So yeah.","start":1182.0751,"end":1186.14,"sentiment":"neutral","sentiment_score":-0.0383743941783905},{"text":"Yeah.","start":1191.16,"end":1191.66,"sentiment":"neutral","sentiment_score":-0.10662886500358582},{"text":"No.","start":1191.7999,"end":1191.96,"sentiment":"negative","sentiment_score":-0.44041889905929565},{"text":"It's hard, isn't it?","start":1191.96,"end":1193.58,"sentiment":"negative","sentiment_score":-0.46618063747882843},{"text":"Yes.","start":1214.6001,"end":1215.1001,"sentiment":"neutral","sentiment_score":0.19035446643829343}],"sentiment":"neutral","sentiment_score":-0.25535162621074253,"num_words":9,"start":1182.0751,"end":1215.1001},{"sentences":[{"text":"Yep.","start":1215.2401,"end":1215.7401,"sentiment":"neutral","sentiment_score":0.25229114294052124},{"text":"Yeah.","start":1223.4,"end":1223.9,"sentiment":"neutral","sentiment_score":0.3321307897567749},{"text":"And that's important.","start":1224.6001,"end":1225.5,"sentiment":"neutral","sentiment_score":0.3313712477684021},{"text":"You discuss quite a lot when you go and see them, so you wanna trust the person you're talking to with what you're divulging.","start":1225.64,"end":1230.1825,"sentiment":"neutral","sentiment_score":0.2578800519307454},{"text":"Yeah.","start":1230.1825,"end":1230.245,"sentiment":"neutral","sentiment_score":0.11809559911489488}],"sentiment":"neutral","sentiment_score":0.26285841738184296,"num_words":30,"start":1215.2401,"end":1230.245},{"sentences":[{"text":"You're gonna build that relationship.","start":1230.245,"end":1233.605,"sentiment":"neutral","sentiment_score":0.203271484375},{"text":"Yeah.","start":1233.605,"end":1234.105,"sentiment":"neutral","sentiment_score":0.19612716138362885},{"text":"Yeah.","start":1238.565,"end":1239.065,"sentiment":"neutral","sentiment_score":0.1162221059203148},{"text":"Okay.","start":1242.25,"end":1242.75,"sentiment":"neutral","sentiment_score":0.0943244844675064},{"text":"So parenting pay family tax benefit.","start":1242.8899,"end":1246.19,"sentiment":"neutral","sentiment_score":0.09608861555655797}],"sentiment":"neutral","sentiment_score":0.14282591907041414,"num_words":14,"start":1230.245,"end":1246.19},{"sentences":[{"text":"Have a dependent child on a full have a full have a dependent child or full time secondary child who's 16 to 19.","start":1253.5299,"end":1260.725,"sentiment":"neutral","sentiment_score":0.04370232226084108},{"text":"We have a full time dependent child.","start":1260.725,"end":1262.745,"sentiment":"neutral","sentiment_score":0.03453971818089485},{"text":"Care for the child at least 35% of the time and make the income test.","start":1264.885,"end":1268.905,"sentiment":"neutral","sentiment_score":0.04635561207930247},{"text":"Now what's the income test?","start":1269.045,"end":1270.45,"sentiment":"neutral","sentiment_score":-0.032574122026562694},{"text":"Because these have all changed recently the last few weeks as well.","start":1270.45,"end":1274.07,"sentiment":"neutral","sentiment_score":-0.18837348651140928}],"sentiment":"neutral","sentiment_score":-0.007759464964751274,"num_words":62,"start":1253.5299,"end":1274.07},{"sentences":[{"text":"They change twice a year, which is kind of annoying.","start":1275.97,"end":1278.47,"sentiment":"negative","sentiment_score":-0.6925913453102112},{"text":"Changes.","start":1279.49,"end":1279.99,"sentiment":"neutral","sentiment_score":-0.22513388097286224},{"text":"Family tax benefit.","start":1319.5751,"end":1320.875,"sentiment":"neutral","sentiment_score":-0.03063398910065492},{"text":"Okay.","start":1331.3501,"end":1331.67,"sentiment":"neutral","sentiment_score":0.03792450577020645},{"text":"So the Centrelink Healthcare card is automatically issued to families receiving the maximum rate of family tax benefit a generally when adjusted tax for income is below a specific threshold.","start":1331.67,"end":1341.05,"sentiment":"neutral","sentiment_score":0.07718342008690039}],"sentiment":"neutral","sentiment_score":-0.10865604873332713,"num_words":45,"start":1275.97,"end":1341.05},{"sentences":[{"text":"If the threshold exceeds this, you may qualify for a low income tax threshold based on a weekly income test of $7,802 50 for singles or a one child family.","start":1341.365,"end":1353.0651,"sentiment":"neutral","sentiment_score":0.07119281304379305},{"text":"Automatic issue.","start":1355.4451,"end":1356.51,"sentiment":"neutral","sentiment_score":0.046453410759568214},{"text":"So 17.","start":1358.27,"end":1363.97,"sentiment":"neutral","sentiment_score":0.02384446281939745},{"text":"What's yours?","start":1364.51,"end":1365.41,"sentiment":"neutral","sentiment_score":0.01671022456139326},{"text":"$0.2.50.","start":1366.83,"end":1368.45,"sentiment":"neutral","sentiment_score":0.017247796058654785}],"sentiment":"neutral","sentiment_score":0.06289319955819361,"num_words":37,"start":1341.365,"end":1368.45},{"sentences":[{"text":"What are you getting per week at the moment?","start":1369.71,"end":1371.735,"sentiment":"neutral","sentiment_score":0.008024513411025206},{"text":"So yours and 106,034, roughly.","start":1371.735,"end":1377.835,"sentiment":"neutral","sentiment_score":0.010446015559136868},{"text":"Oh, that's $5.52.","start":1380.855,"end":1382.475,"sentiment":"neutral","sentiment_score":0.008153003795693317},{"text":"So it's about 2,039.","start":1382.535,"end":1384.695,"sentiment":"neutral","sentiment_score":-0.004808604717254639},{"text":"So it is just above that limit there.","start":1384.695,"end":1387.195,"sentiment":"neutral","sentiment_score":-0.04658959712833166}],"sentiment":"neutral","sentiment_score":-0.008380740897023472,"num_words":29,"start":1369.71,"end":1387.195},{"sentences":[{"text":"So key thresholds a week.","start":1389.15,"end":1392.77,"sentiment":"neutral","sentiment_score":0.0031853180378675463},{"text":"Couple one child, $1.07 $4.05 combined.","start":1392.83,"end":1395.49,"sentiment":"neutral","sentiment_score":0.018170618296911318},{"text":"Low income health care card.","start":1399.71,"end":1401.3099,"sentiment":"neutral","sentiment_score":-0.018675561994314194},{"text":"If you don't get the maximum family tax benefit, you may qualify for your if your gross weekly income is below the set limit of $17.00 2 for singles with one child, and any child after is $42.50 extra.","start":1401.3099,"end":1414.745,"sentiment":"neutral","sentiment_score":-0.10888244087497394},{"text":"So it is just above the threshold now, unfortunately.","start":1414.8049,"end":1417.5449,"sentiment":"negative","sentiment_score":-0.5097173651059469}],"sentiment":"neutral","sentiment_score":-0.13753592171997298,"num_words":64,"start":1389.15,"end":1417.5449},{"sentences":[{"text":"That's a bummer.","start":1418.3601,"end":1420.7001,"sentiment":"negative","sentiment_score":-0.5925831695397695},{"text":"Well, you've also you're also losing $300 out of your pay, aren't you?","start":1423.9601,"end":1428.8601,"sentiment":"negative","sentiment_score":-0.3849915988170184},{"text":"So have a look at what that looks like when they're paying that back and see what it comes out at because it might push you down under that threshold.","start":1431.0,"end":1439.635,"sentiment":"neutral","sentiment_score":-0.1687331477801005},{"text":"Yep.","start":1444.655,"end":1445.155,"sentiment":"neutral","sentiment_score":-0.006240323185920715},{"text":"And it's $300 a week that you're paying back the leave.","start":1447.1001,"end":1451.68,"sentiment":"neutral","sentiment_score":-0.10315167158842087}],"sentiment":"neutral","sentiment_score":-0.2238886799534847,"num_words":58,"start":1418.3601,"end":1451.68},{"sentences":[{"text":"I've got here three three hundred and 12 32 100.","start":1453.8201,"end":1461.535,"sentiment":"neutral","sentiment_score":-0.009330853447318077},{"text":"Yep.","start":1462.475,"end":1462.975,"sentiment":"neutral","sentiment_score":0.039273619651794434},{"text":"And that's right.","start":1463.1951,"end":1467.215,"sentiment":"neutral","sentiment_score":0.06465495998660724},{"text":"And then your purchase repayment to leave is $312.71, and that's on a that's a fortnight, isn't it?","start":1467.515,"end":1480.39,"sentiment":"neutral","sentiment_score":0.034326177245626845},{"text":"Yeah.","start":1480.39,"end":1480.63,"sentiment":"neutral","sentiment_score":0.03285740315914154}],"sentiment":"neutral","sentiment_score":0.023959350264207882,"num_words":33,"start":1453.8201,"end":1480.63},{"sentences":[{"text":"It's a fortnight because your income's fortnightly.","start":1480.63,"end":1482.89,"sentiment":"neutral","sentiment_score":0.013516976065667612},{"text":"The $3.01 2 and 71.","start":1483.03,"end":1485.13,"sentiment":"neutral","sentiment_score":0.00853414200246334},{"text":"It still keeps us just above that threshold.","start":1485.645,"end":1488.0651,"sentiment":"neutral","sentiment_score":-0.06782993208616972},{"text":"One by two.","start":1489.405,"end":1490.305,"sentiment":"neutral","sentiment_score":-0.007195858905712764},{"text":"Oh, no.","start":1490.765,"end":1491.425,"sentiment":"neutral","sentiment_score":-0.0699513591825962}],"sentiment":"neutral","sentiment_score":-0.02267360837198794,"num_words":25,"start":1480.63,"end":1491.425},{"sentences":[{"text":"If we can swing that, if your payslips can show how much you're getting, they might swing it.","start":1492.925,"end":1502.01,"sentiment":"neutral","sentiment_score":-0.033337708510872394},{"text":"I don't it depends on how Centrelink will assess it, but if you use 3,200 roughly on a fortnightly basis minus of that 312 that you have to repay back to leave.","start":1502.01,"end":1512.665,"sentiment":"neutral","sentiment_score":-0.05851680599153042},{"text":"It's knocking your income down to $2.08 $8.07, which per week is about 1,400.","start":1512.665,"end":1519.545,"sentiment":"neutral","sentiment_score":-0.06423895706289581},{"text":"So that is just under the threshold that might work that might work.","start":1519.545,"end":1527.4,"sentiment":"neutral","sentiment_score":0.016678265654123746},{"text":"As long as Centrelink assess it that way, it always comes down to how they're gonna assess things realistically because you're not getting that money.","start":1527.4,"end":1533.96,"sentiment":"neutral","sentiment_score":0.06196338146924973}],"sentiment":"neutral","sentiment_score":-0.015745685819317314,"num_words":102,"start":1492.925,"end":1533.96},{"sentences":[{"text":"You're you're paying it back.","start":1533.96,"end":1535.4,"sentiment":"neutral","sentiment_score":-0.045066553121432665},{"text":"It shouldn't be considered.","start":1535.4,"end":1536.86,"sentiment":"neutral","sentiment_score":-0.10246943309903145},{"text":"But just sort of see because they're gonna wanna see payslips as well.","start":1539.7051,"end":1542.665,"sentiment":"neutral","sentiment_score":0.08291225163982464},{"text":"So just give them the payslips and let them know that you're obviously not getting that $312.71 on a fortnightly basis because you've had to take extra leave, and you've gotta repay that back to the company for the leave that you've bought.","start":1542.665,"end":1556.95,"sentiment":"neutral","sentiment_score":0.22184270559701808},{"text":"So it does reduce your take home pay.","start":1557.49,"end":1559.59,"sentiment":"positive","sentiment_score":0.42804041132330894}],"sentiment":"neutral","sentiment_score":0.18364669047359836,"num_words":73,"start":1533.96,"end":1559.59},{"sentences":[{"text":"If you explain it that way and provide the pace that's showing that when they request them, see how they assess it.","start":1560.0499,"end":1566.465,"sentiment":"positive","sentiment_score":0.384521174159917},{"text":"It might make you eligible enough for the low income health care card or the HCC just depending on how they're gonna assess it.","start":1566.465,"end":1574.225,"sentiment":"positive","sentiment_score":0.4238293220599492},{"text":"But if you can get that and get it across the line, that'll make so much of a difference to your health care, doctor's costs, everything.","start":1574.225,"end":1581.99,"sentiment":"positive","sentiment_score":0.5666587880024543},{"text":"So yep.","start":1582.45,"end":1590.435,"sentiment":"neutral","sentiment_score":0.26412709057331085},{"text":"Yep.","start":1592.1151,"end":1592.6151,"sentiment":"positive","sentiment_score":0.35800474882125854}],"sentiment":"positive","sentiment_score":0.4566767597198486,"num_words":75,"start":1560.0499,"end":1592.6151},{"sentences":[{"text":"Yeah.","start":1601.4751,"end":1601.9751,"sentiment":"neutral","sentiment_score":0.23161731660366056},{"text":"Yeah.","start":1602.1151,"end":1602.51,"sentiment":"neutral","sentiment_score":0.25094133615493774},{"text":"It it looks like it should still just be okay.","start":1604.83,"end":1607.79,"sentiment":"positive","sentiment_score":0.49648092985153197},{"text":"Yeah.","start":1607.79,"end":1608.29,"sentiment":"neutral","sentiment_score":0.2781372368335724},{"text":"But yeah.","start":1610.27,"end":1611.17,"sentiment":"neutral","sentiment_score":0.10376712679862976}],"sentiment":"positive","sentiment_score":0.39553596278031666,"num_words":15,"start":1601.4751,"end":1611.17},{"sentences":[{"text":"Yeah.","start":1612.75,"end":1613.25,"sentiment":"neutral","sentiment_score":0.0960266962647438},{"text":"Yep.","start":1616.59,"end":1617.015,"sentiment":"neutral","sentiment_score":0.1733422875404358},{"text":"I always sort of suggest when we're talking to Centrelink, build the story.","start":1617.335,"end":1620.535,"sentiment":"neutral","sentiment_score":0.10186238758839093},{"text":"Tell them what you like, what you've got, what you're doing, how it works, and what you take home is maybe provide some, like, bank statements as well that show your pay going in on a regular basis so they can see what you're getting on your payslip versus how much is actually going into your account so they can see what you have to live on.","start":1620.535,"end":1639.83,"sentiment":"positive","sentiment_score":0.33735357224941254},{"text":"And that can sometimes be really helpful for them as well.","start":1639.97,"end":1643.09,"sentiment":"positive","sentiment_score":0.5889280655167319}],"sentiment":"neutral","sentiment_score":0.3298330976757952,"num_words":93,"start":1612.75,"end":1643.09},{"sentences":[{"text":"It's that building that story and helping them understand what your living looks like.","start":1643.09,"end":1647.59,"sentiment":"positive","sentiment_score":0.5156257173844746},{"text":"There's always a slight decline the health care card side of things, but I always think what's the worst they can do?","start":1648.295,"end":1654.535,"sentiment":"neutral","sentiment_score":-0.13249541830737144},{"text":"They can say no.","start":1654.535,"end":1655.335,"sentiment":"neutral","sentiment_score":-0.11696618050336838},{"text":"I would always try and see what happens.","start":1655.335,"end":1658.795,"sentiment":"neutral","sentiment_score":-0.03788761328905821},{"text":"Correct.","start":1659.735,"end":1660.235,"sentiment":"neutral","sentiment_score":0.1701708436012268}],"sentiment":"neutral","sentiment_score":0.07557277665093388,"num_words":49,"start":1643.09,"end":1660.235},{"sentences":[{"text":"Correct.","start":1660.54,"end":1660.78,"sentiment":"neutral","sentiment_score":0.27301114797592163},{"text":"You're still eligible for something.","start":1660.78,"end":1662.22,"sentiment":"positive","sentiment_score":0.38166189193725586},{"text":"And even the money you're gonna get, if you don't have to use that towards your weekly expenditure, you can put it away in another account somewhere, offset your mortgage a little bit.","start":1662.22,"end":1669.9,"sentiment":"neutral","sentiment_score":0.31367532818606403},{"text":"That's gonna provide a great benefit.","start":1669.9,"end":1672.08,"sentiment":"positive","sentiment_score":0.5811664263407389},{"text":"But if you can just get this little health care card as well, that's gonna provide just a little bit more of a benefit to you.","start":1672.3,"end":1677.4249,"sentiment":"positive","sentiment_score":0.4915650532795833}],"sentiment":"positive","sentiment_score":0.40563797719881567,"num_words":71,"start":1660.54,"end":1677.4249},{"sentences":[{"text":"Yeah.","start":1677.645,"end":1678.145,"sentiment":"neutral","sentiment_score":0.19091247022151947},{"text":"Yeah.","start":1679.885,"end":1680.385,"sentiment":"neutral","sentiment_score":0.1949220895767212},{"text":"Okay.","start":1680.765,"end":1681.265,"sentiment":"neutral","sentiment_score":0.21946430206298828},{"text":"No.","start":1682.205,"end":1682.5249,"sentiment":"positive","sentiment_score":0.3686586022377014},{"text":"That's okay.","start":1682.5249,"end":1683.345,"sentiment":"positive","sentiment_score":0.43149062991142273}],"sentiment":"neutral","sentiment_score":0.3061564539869626,"num_words":6,"start":1677.645,"end":1683.345},{"sentences":[{"text":"No worries at all.","start":1683.725,"end":1684.765,"sentiment":"neutral","sentiment_score":0.2513366900384426},{"text":"If there's anything else, let me know.","start":1684.765,"end":1686.605,"sentiment":"neutral","sentiment_score":0.182102592928069},{"text":"Let me know how you go with those few things as well.","start":1686.605,"end":1689.06,"sentiment":"neutral","sentiment_score":0.24995547160506248},{"text":"And, yeah, feel free to let me know.","start":1689.78,"end":1691.4601,"sentiment":"neutral","sentiment_score":0.2296574730426073},{"text":"If anything else that comes to mind, I'm more than happy to talk you through it, and we can look at it.","start":1691.4601,"end":1695.14,"sentiment":"neutral","sentiment_score":0.32958643409338867}],"sentiment":"neutral","sentiment_score":0.2710885264963474,"num_words":53,"start":1683.725,"end":1695.14},{"sentences":[{"text":"But I would definitely be looking at that home and contents insurance and trying to reduce the payment there, go forward with the settling stuff, and see how we go.","start":1695.14,"end":1702.735,"sentiment":"neutral","sentiment_score":0.19110367099444073},{"text":"Okay.","start":1702.735,"end":1703.235,"sentiment":"neutral","sentiment_score":0.2647455930709839},{"text":"Yeah.","start":1704.415,"end":1704.915,"sentiment":"neutral","sentiment_score":0.28814852237701416},{"text":"That's okay.","start":1705.615,"end":1706.4349,"sentiment":"neutral","sentiment_score":0.21353883296251297},{"text":"Yep.","start":1711.535,"end":1712.035,"sentiment":"neutral","sentiment_score":0.2302672117948532}],"sentiment":"neutral","sentiment_score":0.1983814035143171,"num_words":35,"start":1695.14,"end":1712.035},{"sentences":[{"text":"Yep.","start":1712.975,"end":1713.475,"sentiment":"neutral","sentiment_score":0.07730963826179504},{"text":"Perfect.","start":1716.48,"end":1716.98,"sentiment":"positive","sentiment_score":0.776208758354187},{"text":"And I'll get I'll get those comparison sites, the the links, and send them through to you.","start":1717.12,"end":1721.6799,"sentiment":"positive","sentiment_score":0.43245287327205434},{"text":"Okay?","start":1721.6799,"end":1722.1799,"sentiment":"neutral","sentiment_score":0.1658560037612915},{"text":"No.","start":1723.76,"end":1723.92,"sentiment":"neutral","sentiment_score":0.049423132091760635}],"sentiment":"positive","sentiment_score":0.4009760180044742,"num_words":21,"start":1712.975,"end":1723.92},{"sentences":[{"text":"It's okay.","start":1723.92,"end":1724.5599,"sentiment":"neutral","sentiment_score":0.20280075073242188},{"text":"You have I will.","start":1724.5599,"end":1726.5,"sentiment":"neutral","sentiment_score":0.2158871665596962},{"text":"No.","start":1728.48,"end":1728.72,"sentiment":"neutral","sentiment_score":-0.04407501220703125},{"text":"I've got bookings all afternoon, but it'd be fine.","start":1728.72,"end":1734.7051,"sentiment":"neutral","sentiment_score":0.002980980401237804},{"text":"That's it.","start":1734.765,"end":1735.4851,"sentiment":"neutral","sentiment_score":0.21677440404891968}],"sentiment":"neutral","sentiment_score":0.09363626595586538,"num_words":18,"start":1723.92,"end":1735.4851},{"sentences":[{"text":"It's all good.","start":1735.4851,"end":1736.2051,"sentiment":"positive","sentiment_score":0.5895389119784037},{"text":"The weekend's coming.","start":1736.2051,"end":1737.265,"sentiment":"positive","sentiment_score":0.49654335776964825},{"text":"That's exactly right.","start":1740.525,"end":1741.905,"sentiment":"positive","sentiment_score":0.6963858207066854},{"text":"All good, Catherine.","start":1743.005,"end":1743.9851,"sentiment":"positive","sentiment_score":0.6600312987963358},{"text":"Thank you so much.","start":1744.045,"end":1745.2949,"sentiment":"positive","sentiment_score":0.6823245584964752}],"sentiment":"positive","sentiment_score":0.628549775108695,"num_words":16,"start":1735.4851,"end":1745.2949},{"sentences":[{"text":"That's okay.","start":1745.455,"end":1746.0149,"sentiment":"neutral","sentiment_score":0.2916403040289879},{"text":"You have a good arvo.","start":1746.0149,"end":1747.2349,"sentiment":"positive","sentiment_score":0.5272348582744598},{"text":"Talk soon.","start":1747.2949,"end":1748.1149,"sentiment":"neutral","sentiment_score":0.27493858337402344},{"text":"See you later.","start":1748.8949,"end":1749.6149,"sentiment":"neutral","sentiment_score":0.23954652746518454},{"text":"Bye.","start":1749.6149,"end":1750.1149,"sentiment":"neutral","sentiment_score":-0.10963153094053268}],"sentiment":"positive","sentiment_score":0.33679539366410327,"num_words":13,"start":1745.455,"end":1750.1149}]}}]},{"alternatives":[{"transcript":"Catherine speaking. I answered the phone on time. Yeah. Yeah. Yeah. You're right. You do your thing. Take a seat. You're recording it. It's fine. Yeah. No. You're right. You're like, oh, yeah. I don't have a voice. +1 91082. What's my address? Let's see. Hold on. Let's see. Hold on. This is my address. 19. Oh, it's fine. It's fine. I'm like, oh, wait. Wait. I'm not just ringing my friend. It's just time to shit. Mhmm. Mhmm. He wants money. And, like, I'm already, you know, trying to be really tight with stuff. So, you know, I don't know how much more I can afford, but I got preapproval from the bank to add 200 to my loan. But I don't know how much that makes. That that then makes the loan $3.75. But I don't know what the repayments on that. I haven't even looked. That was a today job. I have no idea. That's just a preapproval. I haven't actually got it. Sorry. Sorry. Yep. And Okay. So that might be good. Let's see. But he hasn't accepted he didn't accept an offer of $1.30, which I didn't expect him to, but I kinda hoped he would. But then he sent me this really big email and basically says I have to sell a house because he thinks he's entitled to half, which is fucked. And he also said, you know, it's worth 900 and blah blah blah blah blah. And I'm like, well, we've got on the figures that the bank said it's $7.80 because that's what the bank would loan me money on. Yeah. So, basically, you're saying there's $700,000 equity in the home, and he expects us, which is 300 thousand. And I was like, I can't afford that. Like, this is a conversation I had originally. I can't afford 300,000. I'll go to bank and see how much I can afford. It's just holding $1.30. I'm gonna push it to the 2 to 200. But I only hear the 200,000. I don't even use it. Anyway but that then also leads me to the problem with the bathroom because the bathroom's still fucking not fixed. I'm so angry, but I don't even know. But like the lawyer said, he goes, well, you can go through a civil suit if you wanted to through the company he works for to fix your bathroom. And I was like, yeah, that'll go down well, wouldn't it? Yeah. $45,000 to read it in the bathroom. Right? Everyone I rang there said between 35 and 45. I didn't yeah. Yep. It's great. Okay. Yeah. I I just had three quiet days because I worked for three days, and he ended up taking Kelly for those three days. But he's forgotten. Like, he's like, I'm gonna go to Brisbane on Tuesday, and I was like, well, you're taking Kelly with you. No. I can't. And I'm like, well, who's gonna look after him then? Because you said you'd look after him on the Tuesday when they're gonna work. And he's like, oh, yeah. So sorry. Because you shouldn't be thinking about your girlfriend that's living with the in the house and, you know, like, he's let her move he's got her moved in and didn't even have a conversation with me for Kelly and or anything like that. So I'm like, poor Kelly. Like, he's just he's coping really well. But, yeah, anyway, I just had a quiet Christmas. And then I purchased leave so that I can have, you know, the school holiday weeks off with Kelly instead of, you know, him having him go to also feel like, you know, I need to be able to do this stuff for him because he's only little once. And, like, I've taken so this month, February, he started school. He's only four days, and then February, they only do four days of school. They do two days, and I have Wednesday off. But just to give him a bit of a break. So I've taken the Wednesdays off for this month, annual leave, so that I could, you know, spend time with him. But I actually have to work the last week of the month because it's yeah. Just from work purposes, and I said to Hayden, you've gotta have him that day because I'm not putting him in Osh. But, I mean, if you want him in Osh, you can put him in Osh. But yeah. Yeah. It's good. Yeah. We yeah, we went to the beach just a beautiful beautiful day at the beach yesterday. Yeah. We go early, but because by the time it gets to 10:00, the start the wind picks up. So it was just no wind. Just lovely. The dog had a great time. He was pretty happy being out there swimming in the water, and then he gets over it and he drives himself off in the sand. I'm like, you've gotta go in my car, mate. Alright. Alright. It costs three $100 out of my pay. Yeah. Yeah. Yeah. So what happens is I've got it. It just reduces my pay by $300 every pay. Yeah. I actually thought it was well, I thought it was pre I thought it was pretax of $300, not post tax. But, anyway Oops. Yeah. That's right. Yeah. Yep. Yeah. Well, I I asked Hayden to pay for school fees. I was like, can you please pay the school fees? Well, I don't know for how long. We'll see. He's paying the invoice for this semester, but, yeah, I I honestly don't know because it's 6,600 for this year. When I did an estimate, I did another estimate, childcare estimate, and it's he only has to pay $810 a week because we've done this new arrangement just recently. So it's he's it's $60.40 split now, which is great because I'm now getting, like, a I I get this weekend, I get Saturday night and Sunday night to myself. Yep. Yep. It will be nice. It's actually yeah. Yeah. And I've only had that once. So yeah. So we just started it. We did parenting plan. Yeah. So that's that's good. It's good that he can spend time with his son. But yeah. Yeah. He should. No. He stopped. Yeah. And he stopped. He's definitely stopped now, so don't worry about doing it. So don't worry about it. Don't give me any money. Just pay the child. Just pay. Yeah. Yes. Yep. Yeah. That's what the lawyer said. He goes, just hold that card for now. He goes, see if you'll accept this settlement figure. We'll write the parenting plan up, or we get it across family court. If a judge is happy, it'll go through. But paid won't sign it, so that's fine. Now we gotta go back. We've gotta come up with a better figure clearly. But I'm not coming up with a figure now. I think he can do the work. I'm not paying a lawyer to you know, I've got a I've got a meeting next Friday with my lawyer, but I'm like, I'm in the house. So if he wants money, then he can do the hard work, I'm thinking. We'll see what's happened. Well yeah. So when he did when when the guy did my preapproval, he flipped that quote through, and I just went, I wonder if that's cheaper than what I've been paying. I feel I feel like it is. That's a lot of money. And that's actually, I think when I looked at the comparison, it's slightly higher insurance. Because I yeah. Me too. Yeah. Yeah. Yeah. Yeah. That's right. Yep. Okay. So I'll do that. So I'll use that. I'll swap to that quote. And we started it, and then it was like, we need process like the schedule or whatever that you're doing, and I hadn't got that finalized. But I do have that now. So that's this afternoon's job to actually go and do that. But I wanna do that as lump sum, so I kinda don't wanna count that at the moment because I just wanna see if we can use that for holidays and things like that. Maybe. If that's possible. Yeah. So let's get it there and yeah. Then, yeah, that's the kind of plan at the moment. I'm sort of leveling out at $500 in my account most of the time every fortnight, which means yeah. But, I mean, I did sort of spend a bit of money the other week. Yeah. I I'm trying really hard. I can actually I I just just buy food for kids, like, school stuff. And then if we eat out, we eat out. Or if we don't, we don't, like it's kind of I don't think I'm spending as much money as I was before on groceries. So I've gotta gotta really yeah. I've gotta reassess my grocery bill and probably my electricity and gas bill because I have no idea what I'm doing with those. Yeah. Yeah. Sure. Yep. Sure. I'm not saving 500. I'm sort of, like, working even. Yeah. Sort of, like, sitting there. Yeah. Maybe maybe saving 300 maybe. Yeah. No. The home loan? Only I'm the only one that's got access to the home loan. It's in my name only. Yep. You just need to know how much you're owing. Yeah. Mm-mm. Yeah. Okay. Yep. He can't access it. Yes. Yep. Okay. No. I'm just thinking about getting rid of the getting rid of the pay services that I use, like Netflix, $25 a month, and Stan. Because my bro I'm using I've got Prime and Disney. So I figured if I just use those two for a little while, get rid of Netflix and stand for a bit, that's $30 a month, I'll save. 30 $5.40. Yeah. Yeah. That's a good point. I might do that. I'll put Can you stop that, mate? Stop it. My dog is dropping me nuts. I told him to be just, I think, and he would be exhausted for two days. He's now I've just got a box of rubbish that's on his way out to the bin. We're now getting into that. He's so funny. I love him. Uh-huh. Yeah. Yep. Yeah. Mhmm. Mhmm. Yeah. That helps heaps. I was like, what am I gonna do? I I can't get it. I don't think I don't even get the health care card because I'm on a 106. I think I have to pull my salary right back to 80 something. I thought when I've relooked at it. I sort of was only with if you get full part a or something, but I can get full part. One of them, I don't get the full part, which I think that's attached to when I read back and read it. But okay. And my pay is about to go up to $1.18 too in March end of March. But, I mean, that's only that's about $1.50, I think, or $200 in my pay, which is not bad. It takes me back up to where I was ish. Yep. That's what we're paying at the moment for Kelly, but his last one is next week. And then and I've got my last one this week, and then we gotta pay full rack. Yeah. Max. Stop it. Medicare. Yeah. Because the doctor also said to me he goes, if if it's full on, he goes, you'll find a psychologist that'll bulk bill me. And I was like, but I found one that I like now, so that's a bit you know? No. Yeah. I wanna I wanna go back and work out why I'm, like, the way I do stuff so then that doesn't impact future relationships. Yes. The income tax. Yeah. Because you just get you remember it and then it changes. It's If I reduce my hours a day a week, Is it yep. Because my fortnightly pay is, like, $2,800 in hand. Yep. Yep. Oh, I'm sorry. It's $303,300 is what my pay is. Yeah. If yeah. Including that. Yep. I forgot. I'm putting a $100 away into Kelly's little account. Yep. Yep. Okay. Okay. Yes. Yes. Yep. Yep. So if then because, yeah, I've been going and seeing one of both bills, so I don't have to go and see another doctor and pay, like, a $100 every time. So if my pay then goes up the extra $200, I'm still only just gonna I'll still just be in that because it's an extra $100 a week. Won't it? It'll still be okay. Okay. Alright. Well, that was my other thing to do today. So get that document all sorted because that that was yeah. Yes. That's right. I'm still gonna get something from them. Yeah. Yeah. Yep. Okay. You're a bloody gem. Thank you so much. Yep. Yep. Thank you so much, Dana. I'll flick you through an updated thing when I do it, like, my budget planning thing and be like, okay. I think I can do this. Then we'll see what I end up with as a home loan. Yeah. Thanks so much. Enjoy your raffle. Hopefully, you can spend the afternoon at the beach or something. Oh, well. Never mind. Yeah. It's only it's only two sleeps. Thank you. You're welcome. Thank you. Thanks. See you. 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speaking. I answered the phone on time. Yeah. Yeah. Yeah.\n\nYou're right. You do your thing. Take a seat. You're recording it. It's fine.\n\nYeah. No. You're right. You're like, oh, yeah. I don't have a voice.\n\n+1 91082. What's my address? Let's see. Hold on. Let's see.\n\nHold on. This is my address. 19. Oh, it's fine. It's fine.\n\nI'm like, oh, wait. Wait. I'm not just ringing my friend. It's just time to shit. Mhmm.\n\nMhmm. He wants money. And, like, I'm already, you know, trying to be really tight with stuff. So, you know, I don't know how much more I can afford, but I got preapproval from the bank to add 200 to my loan. But I don't know how much that makes.\n\nThat that then makes the loan $3.75. But I don't know what the repayments on that. I haven't even looked. That was a today job. I have no idea.\n\nThat's just a preapproval. I haven't actually got it. Sorry. Sorry. Yep.\n\nAnd Okay. So that might be good. Let's see. But he hasn't accepted he didn't accept an offer of $1.30, which I didn't expect him to, but I kinda hoped he would. But then he sent me this really big email and basically says I have to sell a house because he thinks he's entitled to half, which is fucked.\n\nAnd he also said, you know, it's worth 900 and blah blah blah blah blah. And I'm like, well, we've got on the figures that the bank said it's $7.80 because that's what the bank would loan me money on. Yeah. So, basically, you're saying there's $700,000 equity in the home, and he expects us, which is 300 thousand. And I was like, I can't afford that.\n\nLike, this is a conversation I had originally. I can't afford 300,000. I'll go to bank and see how much I can afford. It's just holding $1.30. I'm gonna push it to the 2 to 200.\n\nBut I only hear the 200,000. I don't even use it. Anyway but that then also leads me to the problem with the bathroom because the bathroom's still fucking not fixed. I'm so angry, but I don't even know. But like the lawyer said, he goes, well, you can go through a civil suit if you wanted to through the company he works for to fix your bathroom.\n\nAnd I was like, yeah, that'll go down well, wouldn't it? Yeah. $45,000 to read it in the bathroom. Right? Everyone I rang there said between 35 and 45.\n\nI didn't yeah. Yep. It's great. Okay. Yeah.\n\nI I just had three quiet days because I worked for three days, and he ended up taking Kelly for those three days. But he's forgotten. Like, he's like, I'm gonna go to Brisbane on Tuesday, and I was like, well, you're taking Kelly with you. No. I can't.\n\nAnd I'm like, well, who's gonna look after him then? Because you said you'd look after him on the Tuesday when they're gonna work. And he's like, oh, yeah. So sorry. Because you shouldn't be thinking about your girlfriend that's living with the in the house and, you know, like, he's let her move he's got her moved in and didn't even have a conversation with me for Kelly and or anything like that.\n\nSo I'm like, poor Kelly. Like, he's just he's coping really well. But, yeah, anyway, I just had a quiet Christmas. And then I purchased leave so that I can have, you know, the school holiday weeks off with Kelly instead of, you know, him having him go to also feel like, you know, I need to be able to do this stuff for him because he's only little once. And, like, I've taken so this month, February, he started school.\n\nHe's only four days, and then February, they only do four days of school. They do two days, and I have Wednesday off. But just to give him a bit of a break. So I've taken the Wednesdays off for this month, annual leave, so that I could, you know, spend time with him. But I actually have to work the last week of the month because it's yeah.\n\nJust from work purposes, and I said to Hayden, you've gotta have him that day because I'm not putting him in Osh. But, I mean, if you want him in Osh, you can put him in Osh. But yeah. Yeah. It's good.\n\nYeah. We yeah, we went to the beach just a beautiful beautiful day at the beach yesterday. Yeah. We go early, but because by the time it gets to 10:00, the start the wind picks up. So it was just no wind.\n\nJust lovely. The dog had a great time. He was pretty happy being out there swimming in the water, and then he gets over it and he drives himself off in the sand. I'm like, you've gotta go in my car, mate. Alright.\n\nAlright. It costs three $100 out of my pay. Yeah. Yeah. Yeah.\n\nSo what happens is I've got it. It just reduces my pay by $300 every pay. Yeah. I actually thought it was well, I thought it was pre I thought it was pretax of $300, not post tax. But, anyway Oops.\n\nYeah. That's right. Yeah. Yep. Yeah.\n\nWell, I I asked Hayden to pay for school fees. I was like, can you please pay the school fees? Well, I don't know for how long. We'll see. He's paying the invoice for this semester, but, yeah, I I honestly don't know because it's 6,600 for this year.\n\nWhen I did an estimate, I did another estimate, childcare estimate, and it's he only has to pay $810 a week because we've done this new arrangement just recently. So it's he's it's $60.40 split now, which is great because I'm now getting, like, a I I get this weekend, I get Saturday night and Sunday night to myself. Yep. Yep. It will be nice.\n\nIt's actually yeah. Yeah. And I've only had that once. So yeah. So we just started it.\n\nWe did parenting plan. Yeah. So that's that's good. It's good that he can spend time with his son. But yeah.\n\nYeah. He should. No. He stopped. Yeah.\n\nAnd he stopped. He's definitely stopped now, so don't worry about doing it. So don't worry about it. Don't give me any money. Just pay the child.\n\nJust pay. Yeah. Yes. Yep. Yeah.\n\nThat's what the lawyer said. He goes, just hold that card for now. He goes, see if you'll accept this settlement figure. We'll write the parenting plan up, or we get it across family court. If a judge is happy, it'll go through.\n\nBut paid won't sign it, so that's fine. Now we gotta go back. We've gotta come up with a better figure clearly. But I'm not coming up with a figure now. I think he can do the work.\n\nI'm not paying a lawyer to you know, I've got a I've got a meeting next Friday with my lawyer, but I'm like, I'm in the house. So if he wants money, then he can do the hard work, I'm thinking. We'll see what's happened. Well yeah. So when he did when when the guy did my preapproval, he flipped that quote through, and I just went, I wonder if that's cheaper than what I've been paying.\n\nI feel I feel like it is. That's a lot of money. And that's actually, I think when I looked at the comparison, it's slightly higher insurance. Because I yeah. Me too.\n\nYeah. Yeah. Yeah. Yeah. That's right.\n\nYep. Okay. So I'll do that. So I'll use that. I'll swap to that quote.\n\nAnd we started it, and then it was like, we need process like the schedule or whatever that you're doing, and I hadn't got that finalized. But I do have that now. So that's this afternoon's job to actually go and do that. But I wanna do that as lump sum, so I kinda don't wanna count that at the moment because I just wanna see if we can use that for holidays and things like that. Maybe.\n\nIf that's possible. Yeah. So let's get it there and yeah. Then, yeah, that's the kind of plan at the moment. I'm sort of leveling out at $500 in my account most of the time every fortnight, which means yeah.\n\nBut, I mean, I did sort of spend a bit of money the other week. Yeah. I I'm trying really hard. I can actually I I just just buy food for kids, like, school stuff. And then if we eat out, we eat out.\n\nOr if we don't, we don't, like it's kind of I don't think I'm spending as much money as I was before on groceries. So I've gotta gotta really yeah. I've gotta reassess my grocery bill and probably my electricity and gas bill because I have no idea what I'm doing with those. Yeah. Yeah.\n\nSure. Yep. Sure. I'm not saving 500. I'm sort of, like, working even.\n\nYeah. Sort of, like, sitting there. Yeah. Maybe maybe saving 300 maybe. Yeah.\n\nNo. The home loan? Only I'm the only one that's got access to the home loan. It's in my name only. Yep.\n\nYou just need to know how much you're owing. Yeah. Mm-mm. Yeah. Okay.\n\nYep. He can't access it. Yes. Yep. Okay.\n\nNo. I'm just thinking about getting rid of the getting rid of the pay services that I use, like Netflix, $25 a month, and Stan. Because my bro I'm using I've got Prime and Disney. So I figured if I just use those two for a little while, get rid of Netflix and stand for a bit, that's $30 a month, I'll save. 30 $5.40.\n\nYeah. Yeah. That's a good point. I might do that. I'll put Can you stop that, mate?\n\nStop it. My dog is dropping me nuts. I told him to be just, I think, and he would be exhausted for two days. He's now I've just got a box of rubbish that's on his way out to the bin. We're now getting into that.\n\nHe's so funny. I love him. Uh-huh. Yeah. Yep.\n\nYeah. Mhmm. Mhmm. Yeah. That helps heaps.\n\nI was like, what am I gonna do? I I can't get it. I don't think I don't even get the health care card because I'm on a 106. I think I have to pull my salary right back to 80 something. I thought when I've relooked at it.\n\nI sort of was only with if you get full part a or something, but I can get full part. One of them, I don't get the full part, which I think that's attached to when I read back and read it. But okay. And my pay is about to go up to $1.18 too in March end of March. But, I mean, that's only that's about $1.50, I think, or $200 in my pay, which is not bad.\n\nIt takes me back up to where I was ish. Yep. That's what we're paying at the moment for Kelly, but his last one is next week. And then and I've got my last one this week, and then we gotta pay full rack. Yeah.\n\nMax. Stop it. Medicare. Yeah. Because the doctor also said to me he goes, if if it's full on, he goes, you'll find a psychologist that'll bulk bill me.\n\nAnd I was like, but I found one that I like now, so that's a bit you know? No. Yeah. I wanna I wanna go back and work out why I'm, like, the way I do stuff so then that doesn't impact future relationships. Yes.\n\nThe income tax. Yeah. Because you just get you remember it and then it changes. It's If I reduce my hours a day a week, Is it yep. Because my fortnightly pay is, like, $2,800 in hand.\n\nYep. Yep. Oh, I'm sorry. It's $303,300 is what my pay is. Yeah.\n\nIf yeah. Including that. Yep. I forgot. I'm putting a $100 away into Kelly's little account.\n\nYep. Yep. Okay. Okay. Yes.\n\nYes. Yep. Yep. So if then because, yeah, I've been going and seeing one of both bills, so I don't have to go and see another doctor and pay, like, a $100 every time. So if my pay then goes up the extra $200, I'm still only just gonna I'll still just be in that because it's an extra $100 a week.\n\nWon't it? It'll still be okay. Okay. Alright. Well, that was my other thing to do today.\n\nSo get that document all sorted because that that was yeah. Yes. That's right. I'm still gonna get something from them. Yeah.\n\nYeah. Yep. Okay. You're a bloody gem. Thank you so much.\n\nYep. Yep. Thank you so much, Dana. I'll flick you through an updated thing when I do it, like, my budget planning thing and be like, okay. I think I can do this.\n\nThen we'll see what I end up with as a home loan. Yeah. Thanks so much. Enjoy your raffle. Hopefully, you can spend the afternoon at the beach or something.\n\nOh, well. Never mind. Yeah. It's only it's only two sleeps. Thank you.\n\nYou're welcome. Thank you. Thanks. See you. Bye.","paragraphs":[{"sentences":[{"text":"Catherine speaking.","start":0.39999998,"end":0.98,"sentiment":"neutral","sentiment_score":0.023659374099224806},{"text":"I answered the phone on time.","start":5.3599997,"end":6.99,"sentiment":"neutral","sentiment_score":0.24920795857906342},{"text":"Yeah.","start":19.065,"end":19.225,"sentiment":"neutral","sentiment_score":-0.0401151180267334},{"text":"Yeah.","start":19.225,"end":19.305,"sentiment":"neutral","sentiment_score":0.0294603630900383},{"text":"Yeah.","start":19.305,"end":19.625,"sentiment":"neutral","sentiment_score":0.043701671063899994}],"sentiment":"neutral","sentiment_score":0.14323758325454863,"num_words":11,"start":0.39999998,"end":19.625},{"sentences":[{"text":"You're right.","start":19.625,"end":20.185,"sentiment":"neutral","sentiment_score":0.05301192030310631},{"text":"You do your thing.","start":20.185,"end":21.165,"sentiment":"neutral","sentiment_score":0.02458563819527626},{"text":"Take a seat.","start":22.105,"end":22.665,"sentiment":"neutral","sentiment_score":-0.0019549870242675147},{"text":"You're recording it.","start":22.665,"end":23.385,"sentiment":"neutral","sentiment_score":0.10095042486985524},{"text":"It's fine.","start":23.385,"end":24.205,"sentiment":"positive","sentiment_score":0.3419252932071686}],"sentiment":"neutral","sentiment_score":0.08465737809560128,"num_words":14,"start":19.625,"end":24.205},{"sentences":[{"text":"Yeah.","start":28.08,"end":28.58,"sentiment":"neutral","sentiment_score":0.04915603995323181},{"text":"No.","start":30.16,"end":30.32,"sentiment":"neutral","sentiment_score":-0.10184774547815324},{"text":"You're right.","start":30.32,"end":30.800001,"sentiment":"neutral","sentiment_score":-0.06850261241197586},{"text":"You're like, oh, yeah.","start":30.800001,"end":31.36,"sentiment":"neutral","sentiment_score":-0.08151310123503208},{"text":"I don't have a voice.","start":31.36,"end":32.260002,"sentiment":"neutral","sentiment_score":-0.10494822561740876}],"sentiment":"neutral","sentiment_score":-0.08003772795200348,"num_words":13,"start":28.08,"end":32.260002},{"sentences":[{"text":"+1 91082.","start":32.96,"end":34.16,"sentiment":"neutral","sentiment_score":-0.003307308768853545},{"text":"What's my address?","start":34.16,"end":35.14,"sentiment":"neutral","sentiment_score":-0.0005238632584223524},{"text":"Let's see.","start":35.52,"end":35.760002,"sentiment":"neutral","sentiment_score":0.01681328658014536},{"text":"Hold on.","start":35.760002,"end":36.0,"sentiment":"neutral","sentiment_score":0.008103515952825546},{"text":"Let's see.","start":36.0,"end":36.4,"sentiment":"neutral","sentiment_score":0.013055203948169947}],"sentiment":"neutral","sentiment_score":0.006159800513573414,"num_words":11,"start":32.96,"end":36.4},{"sentences":[{"text":"Hold on.","start":36.4,"end":36.72,"sentiment":"neutral","sentiment_score":0.008821756113320589},{"text":"This is my address.","start":36.72,"end":37.86,"sentiment":"neutral","sentiment_score":0.017191782593727112},{"text":"19.","start":37.920002,"end":38.420002,"sentiment":"neutral","sentiment_score":0.020064663141965863},{"text":"Oh, it's fine.","start":42.635002,"end":49.355,"sentiment":"neutral","sentiment_score":0.0072706992117067175},{"text":"It's fine.","start":49.355,"end":49.715,"sentiment":"neutral","sentiment_score":0.022339824587106705}],"sentiment":"neutral","sentiment_score":0.014413921046070755,"num_words":12,"start":36.4,"end":49.715},{"sentences":[{"text":"I'm like, oh, wait.","start":49.715,"end":52.075,"sentiment":"neutral","sentiment_score":-0.06457163952291012},{"text":"Wait.","start":52.075,"end":52.395,"sentiment":"neutral","sentiment_score":-0.06789620220661163},{"text":"I'm not just ringing my friend.","start":52.395,"end":53.855,"sentiment":"neutral","sentiment_score":-0.15049365162849426},{"text":"It's just time to shit.","start":59.41,"end":60.870003,"sentiment":"negative","sentiment_score":-0.43369672298431394},{"text":"Mhmm.","start":64.45,"end":64.95,"sentiment":"neutral","sentiment_score":-0.10684427618980408}],"sentiment":"neutral","sentiment_score":-0.20614544477532892,"num_words":17,"start":49.715,"end":64.95},{"sentences":[{"text":"Mhmm.","start":66.29,"end":66.79,"sentiment":"neutral","sentiment_score":-0.07831671833992004},{"text":"He wants money.","start":69.325,"end":70.384995,"sentiment":"neutral","sentiment_score":-0.13759260376294455},{"text":"And, like, I'm already, you know, trying to be really tight with stuff.","start":72.765,"end":77.66499,"sentiment":"neutral","sentiment_score":-0.254014137845773},{"text":"So, you know, I don't know how much more I can afford, but I got preapproval from the bank to add 200 to my loan.","start":80.75,"end":87.409996,"sentiment":"neutral","sentiment_score":-0.12478335946798325},{"text":"But I don't know how much that makes.","start":90.509995,"end":92.11,"sentiment":"neutral","sentiment_score":-0.14968281891196966}],"sentiment":"neutral","sentiment_score":-0.1622064971923828,"num_words":50,"start":66.29,"end":92.11},{"sentences":[{"text":"That that then makes the loan $3.75.","start":92.11,"end":94.61,"sentiment":"neutral","sentiment_score":-0.0845138600894383},{"text":"But I don't know what the repayments on that.","start":96.505,"end":98.025,"sentiment":"neutral","sentiment_score":-0.2467035154501597},{"text":"I haven't even looked.","start":98.025,"end":99.165,"sentiment":"neutral","sentiment_score":-0.2593139782547951},{"text":"That was a today job.","start":99.465,"end":101.085,"sentiment":"neutral","sentiment_score":-0.17271997034549713},{"text":"I have no idea.","start":109.545,"end":110.525,"sentiment":"neutral","sentiment_score":-0.31992311775684357}],"sentiment":"neutral","sentiment_score":-0.20663713432591538,"num_words":29,"start":92.11,"end":110.525},{"sentences":[{"text":"That's just a preapproval.","start":110.93,"end":111.99,"sentiment":"neutral","sentiment_score":-0.09010092541575432},{"text":"I haven't actually got it.","start":112.21,"end":113.49,"sentiment":"neutral","sentiment_score":-0.09738669097423554},{"text":"Sorry.","start":113.49,"end":113.99,"sentiment":"neutral","sentiment_score":-0.06540993601083755},{"text":"Sorry.","start":114.61,"end":115.11,"sentiment":"neutral","sentiment_score":-0.04202450439333916},{"text":"Yep.","start":116.85,"end":117.35,"sentiment":"neutral","sentiment_score":0.18469808995723724}],"sentiment":"neutral","sentiment_score":-0.06417279224842787,"num_words":12,"start":110.93,"end":117.35},{"sentences":[{"text":"And Okay.","start":118.85,"end":126.445,"sentiment":"neutral","sentiment_score":0.24376362562179565},{"text":"So that might be good.","start":126.505,"end":127.645,"sentiment":"positive","sentiment_score":0.33563772439956663},{"text":"Let's see.","start":128.905,"end":129.725,"sentiment":"neutral","sentiment_score":0.05293619446456432},{"text":"But he hasn't accepted he didn't accept an offer of $1.30, which I didn't expect him to, but I kinda hoped he would.","start":131.625,"end":138.2,"sentiment":"neutral","sentiment_score":-0.27664104849100113},{"text":"But then he sent me this really big email and basically says I have to sell a house because he thinks he's entitled to half, which is fucked.","start":138.2,"end":147.42,"sentiment":"negative","sentiment_score":-0.48312033287116457}],"sentiment":"neutral","sentiment_score":-0.29364208622525134,"num_words":60,"start":118.85,"end":147.42},{"sentences":[{"text":"And he also said, you know, it's worth 900 and blah blah blah blah blah.","start":148.28,"end":152.20499,"sentiment":"neutral","sentiment_score":-0.30917012294133506},{"text":"And I'm like, well, we've got on the figures that the bank said it's $7.80 because that's what the bank would loan me money on.","start":152.20499,"end":158.465,"sentiment":"neutral","sentiment_score":-0.12041284129023552},{"text":"Yeah.","start":162.17001,"end":162.57,"sentiment":"neutral","sentiment_score":-0.011428724974393845},{"text":"So, basically, you're saying there's $700,000 equity in the home, and he expects us, which is 300 thousand.","start":162.57,"end":169.15001,"sentiment":"neutral","sentiment_score":-0.029952909435249038},{"text":"And I was like, I can't afford that.","start":169.29001,"end":170.97,"sentiment":"neutral","sentiment_score":-0.31122838146984577}],"sentiment":"neutral","sentiment_score":-0.15952658243199339,"num_words":67,"start":148.28,"end":170.97},{"sentences":[{"text":"Like, this is a conversation I had originally.","start":170.97,"end":172.65001,"sentiment":"neutral","sentiment_score":-0.18012416176497936},{"text":"I can't afford 300,000.","start":172.65001,"end":173.93001,"sentiment":"neutral","sentiment_score":-0.22105304896831512},{"text":"I'll go to bank and see how much I can afford.","start":173.93001,"end":175.875,"sentiment":"neutral","sentiment_score":-0.1252987337383357},{"text":"It's just holding $1.30.","start":176.675,"end":178.135,"sentiment":"neutral","sentiment_score":-0.11677571572363377},{"text":"I'm gonna push it to the 2 to 200.","start":178.515,"end":180.355,"sentiment":"neutral","sentiment_score":-0.07789285977681477}],"sentiment":"neutral","sentiment_score":-0.1353230600555738,"num_words":36,"start":170.97,"end":180.355},{"sentences":[{"text":"But I only hear the 200,000.","start":180.355,"end":181.635,"sentiment":"neutral","sentiment_score":-0.21197696775197983},{"text":"I don't even use it.","start":181.635,"end":182.935,"sentiment":"neutral","sentiment_score":-0.2671752780675888},{"text":"Anyway but that then also leads me to the problem with the bathroom because the bathroom's still fucking not fixed.","start":184.355,"end":192.04001,"sentiment":"negative","sentiment_score":-0.33978734761476515},{"text":"I'm so angry, but I don't even know.","start":193.46,"end":195.70001,"sentiment":"negative","sentiment_score":-0.42227577045559883},{"text":"But like the lawyer said, he goes, well, you can go through a civil suit if you wanted to through the company he works for to fix your bathroom.","start":195.70001,"end":201.70001,"sentiment":"neutral","sentiment_score":-0.12418262287974358}],"sentiment":"neutral","sentiment_score":-0.2409262849456247,"num_words":68,"start":180.355,"end":201.70001},{"sentences":[{"text":"And I was like, yeah, that'll go down well, wouldn't it?","start":201.70001,"end":205.795,"sentiment":"neutral","sentiment_score":-0.038767425512725655},{"text":"Yeah.","start":210.095,"end":210.255,"sentiment":"neutral","sentiment_score":-0.07057781517505646},{"text":"$45,000 to read it in the bathroom.","start":210.255,"end":212.255,"sentiment":"neutral","sentiment_score":-0.025896849376814707},{"text":"Right?","start":212.255,"end":212.755,"sentiment":"neutral","sentiment_score":-0.0012431778013706207},{"text":"Everyone I rang there said between 35 and 45.","start":217.74,"end":220.8,"sentiment":"neutral","sentiment_score":-0.061287470161914825}],"sentiment":"neutral","sentiment_score":-0.04245268450728778,"num_words":29,"start":201.70001,"end":220.8},{"sentences":[{"text":"I didn't yeah.","start":223.18,"end":224.08,"sentiment":"neutral","sentiment_score":-0.064905629803737},{"text":"Yep.","start":230.655,"end":231.155,"sentiment":"neutral","sentiment_score":0.12282399833202362},{"text":"It's great.","start":231.375,"end":232.355,"sentiment":"positive","sentiment_score":0.38381141424179077},{"text":"Okay.","start":234.095,"end":234.595,"sentiment":"neutral","sentiment_score":0.21764633059501648},{"text":"Yeah.","start":238.41501,"end":238.895,"sentiment":"neutral","sentiment_score":0.07905888557434082}],"sentiment":"neutral","sentiment_score":0.12405439419671893,"num_words":8,"start":223.18,"end":238.895},{"sentences":[{"text":"I I just had three quiet days because I worked for three days, and he ended up taking Kelly for those three days.","start":238.895,"end":245.42,"sentiment":"neutral","sentiment_score":0.018714883081291035},{"text":"But he's forgotten.","start":245.42,"end":246.23999,"sentiment":"neutral","sentiment_score":-0.10630368689695995},{"text":"Like, he's like, I'm gonna go to Brisbane on Tuesday, and I was like, well, you're taking Kelly with you.","start":246.37999,"end":252.7,"sentiment":"neutral","sentiment_score":-0.044722863286733625},{"text":"No.","start":252.7,"end":252.85999,"sentiment":"neutral","sentiment_score":-0.302975594997406},{"text":"I can't.","start":252.85999,"end":253.18,"sentiment":"neutral","sentiment_score":-0.30643215775489807}],"sentiment":"neutral","sentiment_score":-0.034668692368633895,"num_words":49,"start":238.895,"end":253.18},{"sentences":[{"text":"And I'm like, well, who's gonna look after him then?","start":253.18,"end":255.42,"sentiment":"neutral","sentiment_score":-0.1619017317891121},{"text":"Because you said you'd look after him on the Tuesday when they're gonna work.","start":255.42,"end":257.9,"sentiment":"neutral","sentiment_score":-0.08919884424124445},{"text":"And he's like, oh, yeah.","start":257.9,"end":259.155,"sentiment":"neutral","sentiment_score":-0.12305914163589478},{"text":"So sorry.","start":259.715,"end":260.435,"sentiment":"neutral","sentiment_score":-0.1375950500369072},{"text":"Because you shouldn't be thinking about your girlfriend that's living with the in the house and, you know, like, he's let her move he's got her moved in and didn't even have a conversation with me for Kelly and or anything like that.","start":260.435,"end":273.075,"sentiment":"neutral","sentiment_score":-0.1357635259628296}],"sentiment":"neutral","sentiment_score":-0.12967727786383113,"num_words":74,"start":253.18,"end":273.075},{"sentences":[{"text":"So I'm like, poor Kelly.","start":273.075,"end":274.675,"sentiment":"neutral","sentiment_score":-0.144115149974823},{"text":"Like, he's just he's coping really well.","start":274.675,"end":277.61002,"sentiment":"neutral","sentiment_score":-0.023032034082072123},{"text":"But, yeah, anyway, I just had a quiet Christmas.","start":277.61002,"end":280.67,"sentiment":"neutral","sentiment_score":0.20155152512921226},{"text":"And then I purchased leave so that I can have, you know, the school holiday weeks off with Kelly instead of, you know, him having him go to also feel like, you know, I need to be able to do this stuff for him because he's only little once.","start":282.41,"end":293.785,"sentiment":"neutral","sentiment_score":0.026393695753447865},{"text":"And, like, I've taken so this month, February, he started school.","start":295.445,"end":298.965,"sentiment":"neutral","sentiment_score":0.009216064925898205}],"sentiment":"neutral","sentiment_score":0.028726315355779214,"num_words":81,"start":273.075,"end":298.965},{"sentences":[{"text":"He's only four days, and then February, they only do four days of school.","start":298.965,"end":302.48502,"sentiment":"neutral","sentiment_score":-0.006787229096516967},{"text":"They do two days, and I have Wednesday off.","start":302.48502,"end":304.505,"sentiment":"neutral","sentiment_score":0.012034344383411937},{"text":"But just to give him a bit of a break.","start":304.93997,"end":306.63998,"sentiment":"neutral","sentiment_score":0.00895739858970046},{"text":"So I've taken the Wednesdays off for this month, annual leave, so that I could, you know, spend time with him.","start":306.78,"end":313.52,"sentiment":"neutral","sentiment_score":0.0223789442596691},{"text":"But I actually have to work the last week of the month because it's yeah.","start":313.65997,"end":316.86,"sentiment":"neutral","sentiment_score":-0.02770635870595773}],"sentiment":"neutral","sentiment_score":0.0022786134327559366,"num_words":69,"start":298.965,"end":316.86},{"sentences":[{"text":"Just from work purposes, and I said to Hayden, you've gotta have him that day because I'm not putting him in Osh.","start":316.86,"end":321.585,"sentiment":"neutral","sentiment_score":-0.020823301302946427},{"text":"But, I mean, if you want him in Osh, you can put him in 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yeah.","start":466.295,"end":468.775,"sentiment":"neutral","sentiment_score":0.03573003597557545},{"text":"So we just started it.","start":468.775,"end":469.975,"sentiment":"neutral","sentiment_score":0.055746596306562424}],"sentiment":"neutral","sentiment_score":0.06178230364971301,"num_words":17,"start":462.775,"end":469.975},{"sentences":[{"text":"We did parenting plan.","start":469.975,"end":472.555,"sentiment":"neutral","sentiment_score":0.0729552237316966},{"text":"Yeah.","start":473.255,"end":473.655,"sentiment":"neutral","sentiment_score":0.1849501132965088},{"text":"So that's that's good.","start":473.655,"end":475.38,"sentiment":"positive","sentiment_score":0.3766671270132065},{"text":"It's good that he can spend time with his son.","start":475.52002,"end":478.18002,"sentiment":"neutral","sentiment_score":0.32621355950832365},{"text":"But 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Disney.","start":969.39,"end":972.03,"sentiment":"neutral","sentiment_score":0.0055026673711836335},{"text":"So I figured if I just use those two for a little while, get rid of Netflix and stand for a bit, that's $30 a month, I'll save.","start":972.03,"end":978.965,"sentiment":"neutral","sentiment_score":-0.0004223950672894716},{"text":"30 $5.40.","start":978.965,"end":980.505,"sentiment":"neutral","sentiment_score":0.06322433799505234}],"sentiment":"neutral","sentiment_score":-0.02150465131808932,"num_words":65,"start":955.625,"end":980.505},{"sentences":[{"text":"Yeah.","start":988.325,"end":988.825,"sentiment":"neutral","sentiment_score":0.021753350272774696},{"text":"Yeah.","start":989.57,"end":989.73,"sentiment":"neutral","sentiment_score":0.1743265986442566},{"text":"That's a good point.","start":989.73,"end":990.45,"sentiment":"positive","sentiment_score":0.3885163217782974},{"text":"I might do that.","start":990.45,"end":991.09,"sentiment":"neutral","sentiment_score":0.1325191929936409},{"text":"I'll put Can you stop that, mate?","start":991.09,"end":993.11,"sentiment":"neutral","sentiment_score":-0.01187236766730036}],"sentiment":"neutral","sentiment_score":0.12924208437256954,"num_words":17,"start":988.325,"end":993.11},{"sentences":[{"text":"Stop it.","start":993.89,"end":994.63,"sentiment":"neutral","sentiment_score":-0.1514376476407051},{"text":"My dog is dropping me nuts.","start":995.33,"end":997.43,"sentiment":"negative","sentiment_score":-0.391335795323054},{"text":"I told him to be just, I think, and he would be exhausted for two days.","start":998.37,"end":1002.105,"sentiment":"neutral","sentiment_score":-0.23601692914962769},{"text":"He's now I've just got a box of rubbish that's on his way out to the bin.","start":1002.665,"end":1006.105,"sentiment":"neutral","sentiment_score":-0.1072015337207738},{"text":"We're now getting into that.","start":1006.105,"end":1007.485,"sentiment":"neutral","sentiment_score":-0.024062123149633408}],"sentiment":"neutral","sentiment_score":-0.1819542961438065,"num_words":46,"start":993.89,"end":1007.485},{"sentences":[{"text":"He's so funny.","start":1013.225,"end":1014.285,"sentiment":"neutral","sentiment_score":0.2187534620364507},{"text":"I love him.","start":1016.58496,"end":1017.545,"sentiment":"positive","sentiment_score":0.5478658080101013},{"text":"Uh-huh.","start":1017.545,"end":1018.045,"sentiment":"neutral","sentiment_score":0.07421158999204636},{"text":"Yeah.","start":1020.24,"end":1020.74,"sentiment":"neutral","sentiment_score":0.10119695961475372},{"text":"Yep.","start":1021.04004,"end":1021.54004,"sentiment":"neutral","sentiment_score":0.21295395493507385}],"sentiment":"neutral","sentiment_score":0.29869114607572556,"num_words":9,"start":1013.225,"end":1021.54004},{"sentences":[{"text":"Yeah.","start":1031.04,"end":1031.54,"sentiment":"neutral","sentiment_score":0.26915839314460754},{"text":"Mhmm.","start":1049.39,"end":1049.89,"sentiment":"neutral","sentiment_score":0.05391825735569},{"text":"Mhmm.","start":1056.75,"end":1057.25,"sentiment":"neutral","sentiment_score":0.04429496079683304},{"text":"Yeah.","start":1061.515,"end":1061.915,"sentiment":"neutral","sentiment_score":0.04769046977162361},{"text":"That helps heaps.","start":1061.915,"end":1062.675,"sentiment":"neutral","sentiment_score":0.08639754851659139}],"sentiment":"neutral","sentiment_score":0.09632210380264691,"num_words":7,"start":1031.04,"end":1062.675},{"sentences":[{"text":"I was like, what am I gonna do?","start":1062.675,"end":1064.415,"sentiment":"neutral","sentiment_score":-0.0789514675270766},{"text":"I I can't get it.","start":1095.855,"end":1097.535,"sentiment":"negative","sentiment_score":-0.5411859393119812},{"text":"I don't think I don't even get the health care card because I'm on a 106.","start":1097.535,"end":1102.65,"sentiment":"negative","sentiment_score":-0.33858108427375555},{"text":"I think I have to pull my salary right back to 80 something.","start":1102.89,"end":1106.17,"sentiment":"neutral","sentiment_score":-0.14484156553561872},{"text":"I thought when I've relooked at it.","start":1106.17,"end":1108.03,"sentiment":"neutral","sentiment_score":-0.10824844773326601}],"sentiment":"neutral","sentiment_score":-0.23256159737250026,"num_words":49,"start":1062.675,"end":1108.03},{"sentences":[{"text":"I sort of was only with if you get full part a or something, but I can get full part.","start":1109.4501,"end":1113.85,"sentiment":"neutral","sentiment_score":-0.03597049480304122},{"text":"One of them, I don't get the full part, which I think that's attached to when I read back and read it.","start":1113.85,"end":1118.535,"sentiment":"neutral","sentiment_score":-0.19840122082016684},{"text":"But okay.","start":1118.535,"end":1129.355,"sentiment":"neutral","sentiment_score":0.03786734864115715},{"text":"And my pay is about to go up to $1.18 too in March end of March.","start":1132.24,"end":1136.5,"sentiment":"neutral","sentiment_score":0.05959994695149362},{"text":"But, I mean, that's only that's about $1.50, I think, or $200 in my pay, which is not bad.","start":1138.4,"end":1143.76,"sentiment":"neutral","sentiment_score":0.09991023365996386}],"sentiment":"neutral","sentiment_score":-0.0272988413425186,"num_words":79,"start":1109.4501,"end":1143.76},{"sentences":[{"text":"It takes me back up to where I was ish.","start":1143.76,"end":1147.405,"sentiment":"neutral","sentiment_score":0.04697859417647123},{"text":"Yep.","start":1175.84,"end":1176.34,"sentiment":"neutral","sentiment_score":0.030551642179489136},{"text":"That's what we're paying at the moment for Kelly, but his last one is next week.","start":1182.485,"end":1186.325,"sentiment":"neutral","sentiment_score":-0.0462647785898298},{"text":"And then and I've got my last one this week, and then we gotta pay full rack.","start":1186.325,"end":1190.8999,"sentiment":"neutral","sentiment_score":-0.0693481213906232},{"text":"Yeah.","start":1193.24,"end":1193.74,"sentiment":"neutral","sentiment_score":-0.14381587505340576}],"sentiment":"neutral","sentiment_score":-0.034725173604157236,"num_words":45,"start":1143.76,"end":1193.74},{"sentences":[{"text":"Max.","start":1196.08,"end":1196.58,"sentiment":"neutral","sentiment_score":-0.1872357875108719},{"text":"Stop it.","start":1200.24,"end":1201.0599,"sentiment":"neutral","sentiment_score":-0.24153251945972443},{"text":"Medicare.","start":1205.445,"end":1205.945,"sentiment":"neutral","sentiment_score":-0.12890970706939697},{"text":"Yeah.","start":1207.205,"end":1207.525,"sentiment":"neutral","sentiment_score":-0.06161031126976013},{"text":"Because the doctor also said to me he goes, if if it's full on, he goes, you'll find a psychologist that'll bulk bill me.","start":1207.525,"end":1213.3049,"sentiment":"neutral","sentiment_score":-0.03667939900575826}],"sentiment":"neutral","sentiment_score":-0.060038842100264694,"num_words":29,"start":1196.08,"end":1213.3049},{"sentences":[{"text":"And I was like, but I found one that I like now, so that's a bit you know?","start":1214.645,"end":1222.89,"sentiment":"positive","sentiment_score":0.36607108720474774},{"text":"No.","start":1230.5499,"end":1231.0499,"sentiment":"neutral","sentiment_score":-0.035431914031505585},{"text":"Yeah.","start":1231.615,"end":1231.7749,"sentiment":"neutral","sentiment_score":0.036498505622148514},{"text":"I wanna I wanna go back and work out why I'm, like, the way I do stuff so then that doesn't impact future relationships.","start":1231.7749,"end":1238.0349,"sentiment":"neutral","sentiment_score":0.177842504500101},{"text":"Yes.","start":1270.705,"end":1271.1849,"sentiment":"neutral","sentiment_score":-0.0053434306755661964}],"sentiment":"neutral","sentiment_score":0.24118272974673244,"num_words":45,"start":1214.645,"end":1271.1849},{"sentences":[{"text":"The income tax.","start":1271.1849,"end":1272.325,"sentiment":"neutral","sentiment_score":-0.2396507610877355},{"text":"Yeah.","start":1279.31,"end":1279.63,"sentiment":"neutral","sentiment_score":-0.2323330044746399},{"text":"Because you just get you remember it and then it changes.","start":1279.63,"end":1282.29,"sentiment":"neutral","sentiment_score":-0.11356876587325876},{"text":"It's If I reduce my hours a day a week, Is it yep.","start":1379.885,"end":1429.7549,"sentiment":"neutral","sentiment_score":-0.2616510202105229},{"text":"Because my fortnightly pay is, like, $2,800 in hand.","start":1440.85,"end":1446.31,"sentiment":"neutral","sentiment_score":-0.0733060858862397}],"sentiment":"neutral","sentiment_score":-0.16923674994747695,"num_words":37,"start":1271.1849,"end":1446.31},{"sentences":[{"text":"Yep.","start":1451.655,"end":1452.155,"sentiment":"neutral","sentiment_score":0.04296117648482323},{"text":"Yep.","start":1452.4551,"end":1452.9551,"sentiment":"neutral","sentiment_score":0.03507986292243004},{"text":"Oh, I'm sorry.","start":1453.655,"end":1454.375,"sentiment":"neutral","sentiment_score":-0.0233116764575243},{"text":"It's $303,300 is what my pay is.","start":1454.375,"end":1457.895,"sentiment":"neutral","sentiment_score":-0.015186809136399202},{"text":"Yeah.","start":1457.895,"end":1458.375,"sentiment":"neutral","sentiment_score":0.014030791819095612}],"sentiment":"neutral","sentiment_score":-0.00647468170007834,"num_words":13,"start":1451.655,"end":1458.375},{"sentences":[{"text":"If yeah.","start":1458.375,"end":1460.855,"sentiment":"neutral","sentiment_score":0.007102443836629391},{"text":"Including that.","start":1460.855,"end":1461.5751,"sentiment":"neutral","sentiment_score":0.00887380912899971},{"text":"Yep.","start":1461.5751,"end":1462.0751,"sentiment":"neutral","sentiment_score":0.050128646194934845},{"text":"I forgot.","start":1462.5599,"end":1463.12,"sentiment":"neutral","sentiment_score":-0.021772666834294796},{"text":"I'm putting a $100 away into Kelly's little account.","start":1463.12,"end":1465.5399,"sentiment":"neutral","sentiment_score":0.026049800010191068}],"sentiment":"neutral","sentiment_score":0.017061501159332693,"num_words":16,"start":1458.375,"end":1465.5399},{"sentences":[{"text":"Yep.","start":1481.125,"end":1481.625,"sentiment":"neutral","sentiment_score":0.043315038084983826},{"text":"Yep.","start":1483.445,"end":1483.945,"sentiment":"neutral","sentiment_score":0.017074063420295715},{"text":"Okay.","start":1505.495,"end":1505.995,"sentiment":"neutral","sentiment_score":-0.031343623995780945},{"text":"Okay.","start":1524.74,"end":1525.24,"sentiment":"neutral","sentiment_score":0.10193492472171783},{"text":"Yes.","start":1531.4249,"end":1531.825,"sentiment":"neutral","sentiment_score":0.06779009848833084}],"sentiment":"neutral","sentiment_score":0.039754100143909454,"num_words":5,"start":1481.125,"end":1531.825},{"sentences":[{"text":"Yes.","start":1531.825,"end":1532.325,"sentiment":"neutral","sentiment_score":0.14557668566703796},{"text":"Yep.","start":1543.345,"end":1543.8,"sentiment":"neutral","sentiment_score":0.20313285291194916},{"text":"Yep.","start":1543.88,"end":1544.38,"sentiment":"neutral","sentiment_score":0.2142597138881683},{"text":"So if then because, yeah, I've been going and seeing one of both bills, so I don't have to go and see another doctor and pay, like, a $100 every time.","start":1583.635,"end":1591.735,"sentiment":"neutral","sentiment_score":0.21282598700734875},{"text":"So if my pay then goes up the extra $200, I'm still only just gonna I'll still just be in that because it's an extra $100 a week.","start":1591.955,"end":1601.13,"sentiment":"neutral","sentiment_score":0.253416472779853}],"sentiment":"neutral","sentiment_score":0.22993929173436858,"num_words":62,"start":1531.825,"end":1601.13},{"sentences":[{"text":"Won't it?","start":1602.63,"end":1603.1901,"sentiment":"neutral","sentiment_score":0.305352583527565},{"text":"It'll still be okay.","start":1603.1901,"end":1604.3301,"sentiment":"positive","sentiment_score":0.4471770003437996},{"text":"Okay.","start":1605.11,"end":1605.61,"sentiment":"positive","sentiment_score":0.38652706146240234},{"text":"Alright.","start":1609.5549,"end":1610.0349,"sentiment":"neutral","sentiment_score":0.22729825973510745},{"text":"Well, that was my other thing to do today.","start":1610.0349,"end":1612.0349,"sentiment":"neutral","sentiment_score":0.08429350000288752}],"sentiment":"neutral","sentiment_score":0.22187529350904858,"num_words":17,"start":1602.63,"end":1612.0349},{"sentences":[{"text":"So get that document all sorted because that that was yeah.","start":1612.0349,"end":1616.1349,"sentiment":"neutral","sentiment_score":0.09862327237020839},{"text":"Yes.","start":1648.335,"end":1648.83,"sentiment":"neutral","sentiment_score":-0.02291550114750862},{"text":"That's right.","start":1656.35,"end":1657.09,"sentiment":"neutral","sentiment_score":0.022900978103280067},{"text":"I'm still gonna get something from them.","start":1657.1499,"end":1659.25,"sentiment":"neutral","sentiment_score":0.016730009578168392},{"text":"Yeah.","start":1659.47,"end":1659.97,"sentiment":"neutral","sentiment_score":0.08633875846862793}],"sentiment":"neutral","sentiment_score":0.059599603483961386,"num_words":22,"start":1612.0349,"end":1659.97},{"sentences":[{"text":"Yeah.","start":1678.38,"end":1678.78,"sentiment":"neutral","sentiment_score":0.18408344686031344},{"text":"Yep.","start":1678.78,"end":1679.26,"sentiment":"neutral","sentiment_score":0.1686723679304123},{"text":"Okay.","start":1679.26,"end":1679.76,"sentiment":"neutral","sentiment_score":0.17428812384605408},{"text":"You're a bloody gem.","start":1680.4601,"end":1681.76,"sentiment":"neutral","sentiment_score":0.2573014572262764},{"text":"Thank you so much.","start":1682.06,"end":1683.3601,"sentiment":"positive","sentiment_score":0.38627152889966965}],"sentiment":"neutral","sentiment_score":0.28193962574005127,"num_words":11,"start":1678.38,"end":1683.3601},{"sentences":[{"text":"Yep.","start":1687.26,"end":1687.76,"sentiment":"neutral","sentiment_score":0.25056397914886475},{"text":"Yep.","start":1690.505,"end":1691.005,"sentiment":"neutral","sentiment_score":0.23435139656066897},{"text":"Thank you so much, Dana.","start":1703.57,"end":1704.93,"sentiment":"positive","sentiment_score":0.42372270226478576},{"text":"I'll flick you through an updated thing when I do it, like, my budget planning thing and be like, okay.","start":1704.93,"end":1711.49,"sentiment":"neutral","sentiment_score":0.24663381911814214},{"text":"I think I can do this.","start":1711.49,"end":1712.79,"sentiment":"neutral","sentiment_score":0.26165616512298584}],"sentiment":"neutral","sentiment_score":0.27594370485255215,"num_words":33,"start":1687.26,"end":1712.79},{"sentences":[{"text":"Then we'll see what I end up with as a home loan.","start":1712.93,"end":1715.83,"sentiment":"neutral","sentiment_score":0.18953917548060417},{"text":"Yeah.","start":1722.105,"end":1722.425,"sentiment":"neutral","sentiment_score":0.30153408646583557},{"text":"Thanks so much.","start":1722.425,"end":1723.565,"sentiment":"positive","sentiment_score":0.6794755260149637},{"text":"Enjoy your raffle.","start":1723.945,"end":1725.005,"sentiment":"positive","sentiment_score":0.3514581819375356},{"text":"Hopefully, you can spend the afternoon at the beach or something.","start":1725.145,"end":1728.045,"sentiment":"neutral","sentiment_score":0.25688711553812027}],"sentiment":"neutral","sentiment_score":0.2831521195669969,"num_words":30,"start":1712.93,"end":1728.045},{"sentences":[{"text":"Oh, well.","start":1732.52,"end":1733.18,"sentiment":"neutral","sentiment_score":0.017072807997465134},{"text":"Never mind.","start":1733.4,"end":1734.3,"sentiment":"neutral","sentiment_score":0.008485957980155945},{"text":"Yeah.","start":1738.12,"end":1738.36,"sentiment":"neutral","sentiment_score":0.1746852993965149},{"text":"It's only it's only two sleeps.","start":1738.36,"end":1739.98,"sentiment":"neutral","sentiment_score":0.13895505418380102},{"text":"Thank you.","start":1743.745,"end":1744.565,"sentiment":"positive","sentiment_score":0.7442412078380585}],"sentiment":"neutral","sentiment_score":0.19600119785620615,"num_words":13,"start":1732.52,"end":1744.565},{"sentences":[{"text":"You're welcome.","start":1745.6649,"end":1746.465,"sentiment":"positive","sentiment_score":0.45253054797649384},{"text":"Thank you.","start":1746.465,"end":1747.205,"sentiment":"positive","sentiment_score":0.6140923500061035},{"text":"Thanks.","start":1747.6649,"end":1748.1649,"sentiment":"positive","sentiment_score":0.5165373086929321},{"text":"See you.","start":1748.465,"end":1748.785,"sentiment":"positive","sentiment_score":0.3771496117115021},{"text":"Bye.","start":1748.785,"end":1749.285,"sentiment":"neutral","sentiment_score":0.2626604437828064}],"sentiment":"positive","sentiment_score":0.45834284648299217,"num_words":8,"start":1745.6649,"end":1749.285}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Catherine speaking.\n\nChannel 0: Hi, Catherine. It's Dana from Okie Financial. How are you?\n\nChannel 1: I answered the phone on time.\n\nChannel 0: How's everything going for you? I got your emails through. Thank you for sending those. How's everything going for you at the moment? Actually, sorry.\n\nBefore I do, I did have to sorry. I do\n\nChannel 1: Yeah.\n\nChannel 0: apologize.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I\n\nChannel 1: You're\n\nChannel 0: just\n\nChannel 1: right.\n\nChannel 0: did forget\n\nChannel 1: You\n\nChannel 0: to\n\nChannel 1: do\n\nChannel 0: let\n\nChannel 1: your\n\nChannel 0: you\n\nChannel 1: thing.\n\nChannel 0: know I\n\nChannel 1: Take\n\nChannel 0: did\n\nChannel 1: a\n\nChannel 0: forget\n\nChannel 1: seat.\n\nChannel 0: to\n\nChannel 1: You're\n\nChannel 0: let\n\nChannel 1: recording\n\nChannel 0: you know we\n\nChannel 1: it. It's\n\nChannel 0: do\n\nChannel 1: fine.\n\nChannel 0: that's exactly right. And just to do security with you as well, just your full name, date\n\nChannel 1: Yeah.\n\nChannel 0: of birth, and address. Sorry.\n\nChannel 1: No. You're right. You're like, oh, yeah. I don't have a voice. +1 91082.\n\nWhat's my address?\n\nChannel 0: Yep.\n\nChannel 1: Let's see. Hold on. Let's see. Hold on. This is my address.\n\n19. Oh,\n\nChannel 0: Oh, so how's everything going? Thank you for doing that. So sorry. I forgot to do that. I don't normally forget to do\n\nChannel 1: it's\n\nChannel 0: security\n\nChannel 1: fine. It's\n\nChannel 0: side\n\nChannel 1: fine.\n\nChannel 0: of\n\nChannel 1: I'm\n\nChannel 0: things.\n\nChannel 1: like, oh, wait. Wait. I'm not just ringing my friend.\n\nChannel 0: That's it. How's everything been for you lately?\n\nChannel 1: It's just time to shit.\n\nChannel 0: Oh, no. Really? Still all up in the air?\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: Oh, wow. I yeah. I can\n\nChannel 1: He\n\nChannel 0: see\n\nChannel 1: wants\n\nChannel 0: here that\n\nChannel 1: money.\n\nChannel 0: you weren't oh, really?\n\nChannel 1: And, like, I'm already, you know, trying to be really tight with stuff.\n\nChannel 0: Yeah.\n\nChannel 1: So, you know, I don't know how much more I can afford, but I got preapproval from the bank to add 200 to my loan. But I don't know how much that makes. That that then makes the loan $3.75.\n\nChannel 0: Okay. Yep.\n\nChannel 1: But I don't know what the repayments on that. I haven't even looked. That was\n\nChannel 0: Was\n\nChannel 1: a\n\nChannel 0: the\n\nChannel 1: today job.\n\nChannel 0: yeah. And was that before they included the interest rate rise? Because was that kind of before or after they changed the interest rate?\n\nChannel 1: I have no idea. That's\n\nChannel 0: Oh,\n\nChannel 1: just a preapproval.\n\nChannel 0: Sorry.\n\nChannel 1: I haven't actually got\n\nChannel 0: Oh,\n\nChannel 1: it.\n\nChannel 0: okay.\n\nChannel 1: Sorry.\n\nChannel 0: No. That's\n\nChannel 1: Sorry.\n\nChannel 0: okay. It's the preapproval. That's fine.\n\nChannel 1: Yep.\n\nChannel 0: Not a worry. So adding that extra\n\nChannel 1: And\n\nChannel 0: money does mean you pay a little bit more on your mortgage, but it does free up a little bit of extra cash flow there for you as well.\n\nChannel 1: Okay. So that might be good. Let's see. But he hasn't accepted he didn't accept an offer of $1.30, which I didn't expect him to, but I kinda hoped he would. But then he sent me this really big email and basically says I have to sell a house because\n\nChannel 0: Oh, no.\n\nChannel 1: he thinks he's entitled to half, which is fucked. And he also said, you know, it's worth 900 and blah blah blah blah blah. And I'm like,\n\nChannel 0: Yeah.\n\nChannel 1: well, we've got on the figures that the bank said it's $7.80\n\nChannel 0: Yep.\n\nChannel 1: because that's what the bank would loan me money on.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So, basically, you're saying there's $700,000 equity in the home, and he expects us, which is 300\n\nChannel 0: Wow.\n\nChannel 1: thousand. And I was like, I can't afford that. Like, this is a conversation I had originally. I can't afford 300,000. I'll go to bank and see how much I can afford.\n\nChannel 0: Yeah.\n\nChannel 1: It's just holding $1.30. I'm gonna push it to the 2 to 200. But I only hear the 200,000. I don't even use it.\n\nChannel 0: No.\n\nChannel 1: Anyway but\n\nChannel 0: I'm\n\nChannel 1: that\n\nChannel 0: so\n\nChannel 1: then\n\nChannel 0: sorry\n\nChannel 1: also\n\nChannel 0: you're going\n\nChannel 1: leads\n\nChannel 0: through\n\nChannel 1: me\n\nChannel 0: that.\n\nChannel 1: to the problem with the bathroom because the bathroom's still fucking not fixed.\n\nChannel 0: Yeah.\n\nChannel 1: I'm so angry, but I don't even know. But like the lawyer said, he goes, well, you can go through a civil suit if you wanted to through the company he works for to fix your bathroom. And I was like, yeah, that'll go down well, wouldn't it?\n\nChannel 0: It's gonna cost you more money though, isn't it?\n\nChannel 1: Yeah. $45,000 to read it in the bathroom. Right?\n\nChannel 0: Wow. That's a lot.\n\nChannel 1: Everyone I rang there said between 35 and 45.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: I didn't yeah.\n\nChannel 0: Wow. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Seems like\n\nChannel 1: It's\n\nChannel 0: a lot.\n\nChannel 1: great.\n\nChannel 0: Yeah. And how was\n\nChannel 1: Okay.\n\nChannel 0: Christmas? Did you have at least a good Chrissy? How'd everything go then?\n\nChannel 1: Yeah. I I just had three quiet days because I worked for three days, and he\n\nChannel 0: Yeah.\n\nChannel 1: ended up taking Kelly for those three days. But he's forgotten. Like, he's like, I'm gonna go to Brisbane on Tuesday, and I was like, well, you're taking Kelly with you. No. I can't.\n\nAnd I'm like, well, who's gonna look after him then? Because you said you'd look after him on the Tuesday when they're gonna work. And he's like, oh, yeah. So sorry. Because you shouldn't be thinking about your girlfriend\n\nChannel 0: Yeah.\n\nChannel 1: that's living with the in the house and, you know, like, he's let her move he's got her moved in and didn't even have a conversation with me for Kelly and or anything like that. So I'm like, poor Kelly. Like, he's just he's coping\n\nChannel 0: Yeah.\n\nChannel 1: really well. But, yeah, anyway, I just had a quiet Christmas. And then I purchased leave so that I can\n\nChannel 0: Yep.\n\nChannel 1: have, you know, the school holiday weeks off with Kelly instead of, you know, him having him go to also feel like, you know, I need to be able to do this stuff for him because\n\nChannel 0: Yeah.\n\nChannel 1: he's only little once.\n\nChannel 0: Yeah.\n\nChannel 1: And, like, I've taken so this month, February, he started school. He's only four days, and then February, they only do four days of school. They\n\nChannel 0: Yeah.\n\nChannel 1: do two\n\nChannel 0: Yep.\n\nChannel 1: days, and I have Wednesday off. But just to give him a bit of a break. So I've taken the Wednesdays off for this month, annual\n\nChannel 0: Okay.\n\nChannel 1: leave, so that\n\nChannel 0: Yep.\n\nChannel 1: I could, you know, spend time with him. But I actually have to work the last week of the month because it's yeah. Just from work purposes, and I said to Hayden, you've gotta have him that day because I'm\n\nChannel 0: Yeah.\n\nChannel 1: not putting him in Osh. But, I mean, if you\n\nChannel 0: Yeah.\n\nChannel 1: want him in Osh, you can put him in Osh.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah. Yeah. It's good.\n\nChannel 0: I mean, that'll be good to have that downtime with him on those Wednesdays that you can as well, maybe go to the park and just hopefully\n\nChannel 1: Yeah.\n\nChannel 0: have\n\nChannel 1: We\n\nChannel 0: a stress free day.\n\nChannel 1: yeah, we went to the beach just a beautiful beautiful\n\nChannel 0: Oh, nice.\n\nChannel 1: day at the beach yesterday. Yeah. We go early, but because by the time it gets to 10:00, the start the wind picks up. So it was\n\nChannel 0: Absolutely.\n\nChannel 1: just no wind.\n\nChannel 0: Yep.\n\nChannel 1: Just lovely. The dog had a great time. He was pretty happy being out there swimming in the water, and then he gets over it and he drives himself off in the sand.\n\nChannel 0: Yeah. Yeah. Yeah. Yeah.\n\nChannel 1: I'm\n\nChannel 0: Oh,\n\nChannel 1: like, you've\n\nChannel 0: wow.\n\nChannel 1: gotta go in my car, mate.\n\nChannel 0: All sandy and dirty.\n\nChannel 1: Alright.\n\nChannel 0: Oh,\n\nChannel 1: Alright.\n\nChannel 0: goodness me. Oh, so you've purchased some leave, which is good. That gives you some extra leave in there, but, admittedly,\n\nChannel 1: It costs\n\nChannel 0: it\n\nChannel 1: three\n\nChannel 0: does.\n\nChannel 1: $100 out of my pay.\n\nChannel 0: It does. Yeah. Because it looks like you've gotta you've gotta repay that back. So\n\nChannel 1: Yeah. Yeah. Yeah. So\n\nChannel 0: yeah.\n\nChannel 1: what happens is I've got it. It just reduces my pay by $300 every pay.\n\nChannel 0: Yep. Yep. So it does reduce your take home pay a little bit.\n\nChannel 1: Yeah.\n\nChannel 0: Was that\n\nChannel 1: I actually\n\nChannel 0: sort\n\nChannel 1: thought\n\nChannel 0: of fact\n\nChannel 1: it was\n\nChannel 0: you're at\n\nChannel 1: well, I thought it was pre I thought it was pretax of $300, not post tax. But, anyway\n\nChannel 0: no. That's okay.\n\nChannel 1: Oops.\n\nChannel 0: That's okay. On the upside, you've got the extra leave ahead of you, which is good.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: The the quality time is always important over the over the money side of things as well.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: And you're not paying day care fees anymore, so that money's sort of going towards the school fees now, isn't it?\n\nChannel 1: Yeah. Well, I I asked Hayden to pay for school fees.\n\nChannel 0: Okay. And\n\nChannel 1: I\n\nChannel 0: is\n\nChannel 1: was like,\n\nChannel 0: he\n\nChannel 1: can\n\nChannel 0: covering\n\nChannel 1: you please\n\nChannel 0: that?\n\nChannel 1: pay the school fees? Well, I don't know for how long.\n\nChannel 0: Okay.\n\nChannel 1: We'll see. He's paying\n\nChannel 0: Yeah.\n\nChannel 1: the invoice for this semester, but,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I I honestly don't know because it's 6,600 for this year.\n\nChannel 0: Yep.\n\nChannel 1: When I did an estimate, I did another estimate, childcare estimate, and it's he only has to pay $810 a week\n\nChannel 0: Okay.\n\nChannel 1: because we've done this new arrangement just recently. So it's he's\n\nChannel 0: Yep.\n\nChannel 1: it's $60.40 split now,\n\nChannel 0: Yep.\n\nChannel 1: which is great because I'm now getting, like, a I I get this weekend, I get Saturday night and Sunday night to myself.\n\nChannel 0: Oh, that'll be nice.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: It will be nice. It's actually yeah. Yeah. And I've only had that once. So yeah.\n\nSo we just started it. We did parenting plan.\n\nChannel 0: Mhmm.\n\nChannel 1: Yeah. So that's that's good. It's good\n\nChannel 0: Yep.\n\nChannel 1: that he can spend time with his son.\n\nChannel 0: Yep.\n\nChannel 1: But yeah. Yeah. He should.\n\nChannel 0: Yeah. And is he still putting any money into the mortgage to as kind of the child support scenario, or is that not happening still? I know it was\n\nChannel 1: No.\n\nChannel 0: sort of\n\nChannel 1: He\n\nChannel 0: sort\n\nChannel 1: stopped.\n\nChannel 0: of was and sort of wasn't. It stopped.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: And he stopped. He's definitely stopped now, so don't worry about doing it. So don't worry about\n\nChannel 0: Okay.\n\nChannel 1: it. Don't give me any money.\n\nChannel 0: Yeah.\n\nChannel 1: Just pay\n\nChannel 0: It\n\nChannel 1: the\n\nChannel 0: might\n\nChannel 1: child.\n\nChannel 0: be worth\n\nChannel 1: Just pay. Yeah.\n\nChannel 0: yeah. I mean, if he if he doesn't sort of pay that, it might even be worth going forward and doing the child support properly because at least I mean, even and the biggest thing with that is even when you go through that system of trying to get the child support, there's always a chance they're still not gonna pay. I had trouble with that back when I was a single parent with my ex, but at least while he's young with the school fees and things like that, if you do decide to go down that track as hard as it can be, at least you've got someone on your side tracking how much child support you're supposed to have, and they\n\nChannel 1: Yes.\n\nChannel 0: they can then, you know, try to push it out of him, garnish his wages, go shoot the court system, do whatever they need to do to get that extra\n\nChannel 1: Yep.\n\nChannel 0: bit of help for you. Because if you're paying for everything and not getting anything out of it, it it does it's gonna yeah. It does cause such a lot of stress on yourself, and your son definitely notices things like that. So it would be worth maybe going down that route if he doesn't keep paying for the school fees just to alleviate a little bit of pressure on yourself.\n\nChannel 1: Yeah. That's what the lawyer said. He goes, just hold that card for now. He goes, see if you'll\n\nChannel 0: Yeah.\n\nChannel 1: accept this settlement figure. We'll write the\n\nChannel 0: Yeah.\n\nChannel 1: parenting plan up, or we get it across family court. If a judge is happy, it'll go through.\n\nChannel 0: Yep.\n\nChannel 1: But paid won't sign it, so that's fine. Now we gotta go back. We've gotta come up with a better figure clearly. But I'm not coming up with a figure now. I think he can do the work.\n\nChannel 0: Yeah.\n\nChannel 1: I'm not\n\nChannel 0: Yeah.\n\nChannel 1: paying a lawyer to you know, I've got a I've got a meeting next Friday with my lawyer, but I'm like, I'm in the house. So\n\nChannel 0: Yep. Yeah.\n\nChannel 1: if he wants money, then he can do the hard work,\n\nChannel 0: Absolutely. Absolutely.\n\nChannel 1: I'm thinking.\n\nChannel 0: Yeah. Definitely. And\n\nChannel 1: We'll\n\nChannel 0: you\n\nChannel 1: see\n\nChannel 0: updated\n\nChannel 1: what's happened.\n\nChannel 0: the quote to reduce your home and contents insurance a little bit as well?\n\nChannel 1: Well yeah. So when he did when when the guy did my preapproval, he flipped that quote\n\nChannel 0: Mhmm.\n\nChannel 1: through, and I just went, I wonder if that's cheaper than what I've been paying.\n\nChannel 0: It is.\n\nChannel 1: I\n\nChannel 0: Because\n\nChannel 1: feel\n\nChannel 0: in the budget\n\nChannel 1: I feel\n\nChannel 0: plan\n\nChannel 1: like\n\nChannel 0: that we\n\nChannel 1: it is.\n\nChannel 0: had done up, your home and contents insurance was costing 2,445 annually. So this quote that you've sent me is saving you about $729 on a yearly basis.\n\nChannel 1: That's a lot of money. And that's actually, I think when I looked at the comparison, it's slightly higher insurance.\n\nChannel 0: Yeah. Well, that's the one\n\nChannel 1: Because\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: the quote I was looking at is the plus option at the bottom because one of the big\n\nChannel 1: yeah.\n\nChannel 0: things\n\nChannel 1: Me\n\nChannel 0: to look\n\nChannel 1: too.\n\nChannel 0: at when you are your home and content insurance is having that top cover often covers you for, like, storm damage, accidental damage, things like that that aren't normally done under your basic options. So that's something\n\nChannel 1: Yeah.\n\nChannel 0: I learned back in the day working in banking and insurance types of things, having that tough cover. But even that tough cover, it's saving you that $729. So that would put a little bit more back into your budget, which is not a bad thing, give you a little bit\n\nChannel 1: Yeah.\n\nChannel 0: extra free cash flow on a weekly basis. So what? $7.29, if we look at that, say, on a weekly basis, it's giving you an extra it's $14 a week, but that over the year adds up drastically.\n\nChannel 1: Yeah. Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: right. Yep. Okay.\n\nChannel 0: Yep.\n\nChannel 1: So I'll do that. So I'll use that. I'll swap to that quote.\n\nChannel 0: Perfect. Did you end up applying for, like, Centrelink or anything like that trying to obtain any of that?\n\nChannel 1: And we started it, and then it was like, we need process like the schedule or whatever that you're doing, and I hadn't got that finalized. But I do have\n\nChannel 0: Okay.\n\nChannel 1: that now. So that's this afternoon's job to actually go and do that. But\n\nChannel 0: Yep.\n\nChannel 1: I wanna do that as lump sum, so I kinda\n\nChannel 0: Yep.\n\nChannel 1: don't wanna count that at the moment because\n\nChannel 0: Yep.\n\nChannel 1: I just\n\nChannel 0: Yep.\n\nChannel 1: wanna see if we can use that for holidays and things like that.\n\nChannel 0: Yeah. Yeah. Absolutely.\n\nChannel 1: Maybe.\n\nChannel 0: Or just putting it\n\nChannel 1: If\n\nChannel 0: on your\n\nChannel 1: that's\n\nChannel 0: mortgage\n\nChannel 1: possible.\n\nChannel 0: and kind of having it free cash, it's sort of offsetting your interest a little bit as well.\n\nChannel 1: Yeah. So let's get it there and yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Then, yeah, that's the kind of plan at the\n\nChannel 0: Yep.\n\nChannel 1: moment.\n\nChannel 0: Yep. Perfect. And anything else that's kind of changed? How did you sort of go with reducing the budget down and has that I know with the the face of the solicitors, it's probably all a bit up in the air at the moment, but has any of it kind of made much of a difference to your budget, or is this all still a little bit hard? Or what's okay.\n\nChannel 1: I'm sort of leveling out at $500 in my account most of the time every fortnight,\n\nChannel 0: Okay.\n\nChannel 1: which\n\nChannel 0: That's good. Yep.\n\nChannel 1: means yeah. But, I mean, I did sort of spend a bit of money the other week. Yeah. I I'm trying really hard. I can actually I I just just buy food for kids, like, school stuff.\n\nAnd then if we eat out, we eat out. Or if we don't, we don't, like it's kind of I don't think I'm spending as much money as I was before\n\nChannel 0: Yes.\n\nChannel 1: on groceries. So\n\nChannel 0: So\n\nChannel 1: I've\n\nChannel 0: bill\n\nChannel 1: gotta\n\nChannel 0: would\n\nChannel 1: gotta\n\nChannel 0: have drastically\n\nChannel 1: really\n\nChannel 0: decreased. Yeah.\n\nChannel 1: yeah. I've gotta reassess my grocery bill and probably my electricity and gas bill\n\nChannel 0: Yeah.\n\nChannel 1: because\n\nChannel 0: Definitely\n\nChannel 1: I have no\n\nChannel 0: shop\n\nChannel 1: idea\n\nChannel 0: around for those.\n\nChannel 1: what I'm doing with those. Yeah.\n\nChannel 0: That's alright. There are a little couple of comparison sites out there for, like, comparison?\n\nChannel 1: Yeah. Sure. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Sure.\n\nChannel 0: Perfect. So electricity and gas. I'll find those sites, and I'll email the link through to you for you to sort of sit down, have a bit of a play with and see if that makes a bit of a difference. But if you are managing to save that 500 on a fortnightly basis, that is giving you an extra $13,000 over the course of the year. So the other thing I was thinking,\n\nChannel 1: I'm not saving\n\nChannel 0: if you\n\nChannel 1: 500. I'm sort of, like,\n\nChannel 0: this is what I thought about.\n\nChannel 1: working even. Yeah. Sort of,\n\nChannel 0: Yep.\n\nChannel 1: like, sitting there.\n\nChannel 0: That's alright.\n\nChannel 1: Yeah. Maybe\n\nChannel 0: Is\n\nChannel 1: maybe\n\nChannel 0: your\n\nChannel 1: saving 300 maybe. Yeah.\n\nChannel 0: okay. Yep. That's okay. The offset account you have, you may have mentioned that last time that he also had access to that. Is that right?\n\nChannel 1: No.\n\nChannel 0: No. It's all you. You're the\n\nChannel 1: The\n\nChannel 0: only\n\nChannel 1: home\n\nChannel 0: one with\n\nChannel 1: loan?\n\nChannel 0: access to your offset?\n\nChannel 1: Only\n\nChannel 0: Yeah.\n\nChannel 1: I'm the only one that's got access to the home loan. It's in my name only. Yep. You just\n\nChannel 0: Perfect.\n\nChannel 1: need\n\nChannel 0: Because\n\nChannel 1: to know\n\nChannel 0: one\n\nChannel 1: how\n\nChannel 0: of\n\nChannel 1: much\n\nChannel 0: the things\n\nChannel 1: you're owing. Yeah.\n\nChannel 0: perfect. One of the things you made mention is putting money in there but taking it back out, but that might have just been a joint account. That's okay. Because utilizing that offset account or, you know, an account that is attached to your home loan to put all your excess, like, any savings or any leftover money at the end of the week\n\nChannel 1: Mm-mm.\n\nChannel 0: or the fortnight into that offset account will help to offset some of the interest because interest rates have gone up, which can make a bit of a difference. But you still have access to that money while trying to save on some of the interest you pay on your loan, which could provide a little bit little bit of a benefit over the course of the year as well.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah. And it's easier if it's just in your name. That way, he doesn't can't access\n\nChannel 1: Yep.\n\nChannel 0: any of\n\nChannel 1: He\n\nChannel 0: those\n\nChannel 1: can't\n\nChannel 0: funds.\n\nChannel 1: access it. Yes.\n\nChannel 0: Yeah. But making sure the offset account is used over putting the money directly on the loan, it still does the same thing. It offsets the amount of interest you are paying. It's just that in an offset account, it's another access account. So it's offsetting\n\nChannel 1: Yep.\n\nChannel 0: your interest that you're paying on your loan, but you can still access those funds if you need to for bills and, you know, food and things like that.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Perfect. All good. Is there anything else that kind of has been coming to mind that you've been thinking about? Or\n\nChannel 1: No. I'm just thinking about getting rid\n\nChannel 0: No.\n\nChannel 1: of the getting rid of the pay services that I use, like Netflix, $25 a month,\n\nChannel 0: Yeah.\n\nChannel 1: and Stan. Because my bro I'm using I've got Prime and Disney. So I figured if I just use those two for a little while,\n\nChannel 0: Yep.\n\nChannel 1: get rid of Netflix and stand for a bit, that's $30 a month, I'll\n\nChannel 0: Yeah.\n\nChannel 1: save. 30\n\nChannel 0: Absolutely.\n\nChannel 1: $5.40.\n\nChannel 0: Absolutely. And you can alternate. You can pause one or two here and there and then bring something else back if you just wanna look at something else of the year or for a month\n\nChannel 1: Yeah.\n\nChannel 0: or two.\n\nChannel 1: Yeah. That's a good point. I might do that. I'll put\n\nChannel 0: Yep.\n\nChannel 1: Can you stop that, mate? Stop it. My dog is dropping me nuts. I told him to be just, I think, and he would be exhausted for two days. He's\n\nChannel 0: Yep.\n\nChannel 1: now I've just got a box of rubbish that's on his way out to the bin. We're now getting into that.\n\nChannel 0: Oh, no. Oh, goodness me.\n\nChannel 1: He's so\n\nChannel 0: Oh, gosh.\n\nChannel 1: funny. I love him.\n\nChannel 0: Yeah.\n\nChannel 1: Uh-huh.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Well, I mean, it\n\nChannel 1: Yep.\n\nChannel 0: it honestly looks good so far. If you look to go ahead and maybe look at that quote, just double check the quote details that they've sent through with regard to that home and contents because, honestly,\n\nChannel 1: Yeah.\n\nChannel 0: they're saving a good a good chunk of the year. Maybe pausing a few more of those services for a month or two while you're not utilizing them. And then, yeah, just, you know, trying to put any extra cash into your offset account. That way, it's sort of sitting there and giving you a bit of benefit as well if that helps a little bit more. And then\n\nChannel 1: Mhmm.\n\nChannel 0: I'll send through an email just with some comparison details like gas, and you can have a bit\n\nChannel 1: Mhmm.\n\nChannel 0: of a look at those and see if you can save a bit of money in those areas as well. Does that help a bit more?\n\nChannel 1: Yeah. That helps heaps. I was\n\nChannel 0: Yeah.\n\nChannel 1: like, what am I gonna do?\n\nChannel 0: Yeah. And keep going with the Centrelink application. I know it's painful to do. But once they get the assessment through, getting anything you can out of them on a fortnightly basis, even if you're not utilizing it, you're just putting it in, like, maybe an offset account and having it sit there. Again, it's just a little bit of extra money that you can fall back on.\n\nAnd if you're on, like, single parent pension or, you know, any of those sorts of things, you having a health care card, if you can get that as well, which I'm pretty sure you do with the parenting payment and all the supplement a and b,\n\nChannel 1: I I can't get it.\n\nChannel 0: that\n\nChannel 1: I\n\nChannel 0: can\n\nChannel 1: don't\n\nChannel 0: help.\n\nChannel 1: think I don't even get the health care card because I'm on a 106. I think I have\n\nChannel 0: I'm\n\nChannel 1: to pull my\n\nChannel 0: pretty\n\nChannel 1: salary right back to 80 something. I thought when I've relooked at it.\n\nChannel 0: let me have\n\nChannel 1: I\n\nChannel 0: a look,\n\nChannel 1: sort of was\n\nChannel 0: see\n\nChannel 1: only\n\nChannel 0: if it's\n\nChannel 1: with if you get full part a or something, but I can get full part. One of them, I don't get the full part, which I think that's attached to when I read back and read\n\nChannel 0: changed.\n\nChannel 1: it. But\n\nChannel 0: They had us they did use to allow it if you were on parts for a certain amount. I'm just gonna\n\nChannel 1: okay.\n\nChannel 0: have a look. So Centrelink Healthcare card.\n\nChannel 1: And my pay is about to go up to $1.18 too in March\n\nChannel 0: Yeah.\n\nChannel 1: end\n\nChannel 0: You\n\nChannel 1: of March.\n\nChannel 0: yeah. You said that goes up a bit more then.\n\nChannel 1: But, I\n\nChannel 0: That\n\nChannel 1: mean,\n\nChannel 0: might\n\nChannel 1: that's only that's about $1.50, I think, or $200 in my pay, which is not bad. It\n\nChannel 0: yeah.\n\nChannel 1: takes me back up to where I was\n\nChannel 0: Yeah. No.\n\nChannel 1: ish.\n\nChannel 0: That's okay. There's also ways around, like, if you have to go to specialists and things like that, like talking to your doctor because there's a lot of other services with regard to the health side of things that are covered by Medicare. So, like, when I take my kids to the the doctors, I'll say, like, what can I get under Medicare first and how accessible is it? And, like, with my daughter, she's got depression at the moment, so she's accessing cheap she gets, like, 10 a year\n\nChannel 1: Yep.\n\nChannel 0: psychologist visits, and she only pays about a $100 for those rather than the normal 2 to 300 for the visit. So\n\nChannel 1: That's what we're paying at the moment for Kelly, but his last one is\n\nChannel 0: yeah.\n\nChannel 1: next week. And then and I've got my last one this week, and then we gotta pay full rack.\n\nChannel 0: Yeah. No. It's hard, isn't it?\n\nChannel 1: Yeah. Max. Stop it. Medicare. Yeah.\n\nBecause the doctor also said to me he goes, if if it's full on, he goes, you'll find a psychologist that'll bulk bill me.\n\nChannel 0: Yes.\n\nChannel 1: And I was like,\n\nChannel 0: Yep.\n\nChannel 1: but I found one that I like now, so that's a bit you know?\n\nChannel 0: Yeah. And that's important. You discuss quite a lot when you go and see them, so you wanna trust the person you're talking to with what you're divulging. Yeah. You're\n\nChannel 1: No. Yeah. I\n\nChannel 0: gonna\n\nChannel 1: wanna I\n\nChannel 0: build\n\nChannel 1: wanna go\n\nChannel 0: that\n\nChannel 1: back and\n\nChannel 0: relationship.\n\nChannel 1: work\n\nChannel 0: Yeah.\n\nChannel 1: out why I'm, like, the way I do stuff so then that doesn't impact future relationships.\n\nChannel 0: Yeah. Okay. So parenting pay family tax benefit. Have a dependent child on a full have a full have a dependent child or full time secondary child who's 16 to 19. We have a full time dependent child.\n\nCare for the child at least 35% of the time and make the income test. Now what's the income test? Because these\n\nChannel 1: Yes.\n\nChannel 0: have all\n\nChannel 1: The\n\nChannel 0: changed\n\nChannel 1: income\n\nChannel 0: recently\n\nChannel 1: tax.\n\nChannel 0: the last few weeks as well. They change twice a year, which is kind of annoying.\n\nChannel 1: Yeah.\n\nChannel 0: Changes.\n\nChannel 1: Because you just get you remember it and then it changes.\n\nChannel 0: Family tax benefit. Okay. So the Centrelink Healthcare card is automatically issued to families receiving the maximum rate of family tax benefit a generally when adjusted tax for income is below a specific threshold. If the threshold exceeds this, you may qualify for a low income tax threshold based on a weekly income test of $7,802 50 for singles or a one child family. Automatic issue.\n\nSo 17. What's yours? $0.2.50. What are you getting per week at the moment? So yours and 106,034, roughly.\n\nChannel 1: It's\n\nChannel 0: Oh, that's $5.52. So it's about 2,039. So it is just above that limit there. So key thresholds a week. Couple one child, $1.07 $4.05 combined.\n\nLow income health care card. If you don't get the maximum family tax benefit, you may qualify for your if your gross weekly income is below the set limit of $17.00 2 for singles with one child, and any child after is $42.50 extra. So it is just above the threshold now, unfortunately. That's\n\nChannel 1: If I reduce\n\nChannel 0: a bummer.\n\nChannel 1: my hours a day a week,\n\nChannel 0: Well, you've also\n\nChannel 1: Is\n\nChannel 0: you're also losing $300 out of your pay,\n\nChannel 1: it\n\nChannel 0: aren't you?\n\nChannel 1: yep.\n\nChannel 0: So have a look at what that looks like when they're paying that back and see what it comes out at because it might push you down under that threshold.\n\nChannel 1: Because my fortnightly pay is, like, $2,800\n\nChannel 0: Yep.\n\nChannel 1: in hand.\n\nChannel 0: And it's $300 a week that you're paying back the leave.\n\nChannel 1: Yep. Yep. Oh,\n\nChannel 0: I've\n\nChannel 1: I'm\n\nChannel 0: got\n\nChannel 1: sorry.\n\nChannel 0: here\n\nChannel 1: It's $303,300\n\nChannel 0: three three hundred and\n\nChannel 1: is\n\nChannel 0: 12\n\nChannel 1: what my pay is. Yeah. If\n\nChannel 0: 32\n\nChannel 1: yeah. Including\n\nChannel 0: 100.\n\nChannel 1: that. Yep.\n\nChannel 0: Yep.\n\nChannel 1: I forgot. I'm\n\nChannel 0: And\n\nChannel 1: putting a $100 away into Kelly's little account.\n\nChannel 0: that's right. And then your purchase repayment to leave is $312.71, and that's on a that's a fortnight, isn't it? Yeah. It's a fortnight\n\nChannel 1: Yep.\n\nChannel 0: because your income's fortnightly. The $3.01\n\nChannel 1: Yep.\n\nChannel 0: 2 and 71. It still keeps us just above that threshold. One by two. Oh, no. If we can swing that, if your payslips can show how much you're getting, they might swing it.\n\nI don't it depends on how Centrelink will assess it, but if you\n\nChannel 1: Okay.\n\nChannel 0: use 3,200 roughly on a fortnightly basis minus of that 312 that you have to repay back to leave. It's knocking your income down to $2.08 $8.07, which per week is about 1,400. So that is just under the threshold that might work\n\nChannel 1: Okay.\n\nChannel 0: that might work. As long as Centrelink assess it that way, it always comes down to how they're gonna assess things\n\nChannel 1: Yes.\n\nChannel 0: realistically\n\nChannel 1: Yes.\n\nChannel 0: because you're not getting that money. You're you're paying it back. It shouldn't be considered. But just sort of see because they're gonna wanna see payslips as well. So\n\nChannel 1: Yep. Yep.\n\nChannel 0: just give them the payslips and let them know that you're obviously not getting that $312.71 on a fortnightly basis because you've had to take extra leave, and you've gotta repay that back to the company for the leave that you've bought. So it does reduce your take home pay. If you explain it that way and provide the pace that's showing that when they request them, see how they assess it. It might make you eligible enough for the low income health care card or the HCC just depending on how they're gonna assess it. But if you can get that and get it across the line, that'll make so much of a difference to your health care, doctor's costs, everything.\n\nSo\n\nChannel 1: So if then because, yeah, I've been going and seeing one of both bills, so I don't have to go and see another doctor and pay, like,\n\nChannel 0: yep.\n\nChannel 1: a $100 every time. So\n\nChannel 0: Yep.\n\nChannel 1: if my pay then goes up the extra $200, I'm still only just gonna I'll still just be in that because it's an extra $100 a week.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Won't it? It'll still be okay.\n\nChannel 0: It\n\nChannel 1: Okay.\n\nChannel 0: it looks like it should still just be okay. Yeah.\n\nChannel 1: Alright. Well,\n\nChannel 0: But\n\nChannel 1: that was\n\nChannel 0: yeah.\n\nChannel 1: my other thing to do today. So\n\nChannel 0: Yeah.\n\nChannel 1: get that document all sorted because that that was yeah.\n\nChannel 0: Yep. I always sort of suggest when we're talking to Centrelink, build the story. Tell them what you like, what you've got, what you're doing, how it works, and what you take home is maybe provide some, like, bank statements as well that show your pay going in on a regular basis so they can see what you're getting on your payslip versus how much is actually going into your account so they can see what you have to live on. And that can sometimes be really helpful for them as well. It's that building that story and helping them understand what your living looks like.\n\nThere's\n\nChannel 1: Yes.\n\nChannel 0: always a slight decline the health care card side of things, but I always think what's the worst they can do? They can say no. I would always try\n\nChannel 1: That's right. I'm still gonna\n\nChannel 0: and see\n\nChannel 1: get\n\nChannel 0: what\n\nChannel 1: something\n\nChannel 0: happens.\n\nChannel 1: from them. Yeah.\n\nChannel 0: Correct. Correct. You're still eligible for something. And even the money you're gonna get, if you don't have to use that towards your weekly expenditure, you can put it away in another account somewhere, offset your mortgage a little bit. That's gonna provide a great benefit.\n\nBut if you can just get this little health care card as well, that's gonna provide just a little bit more of a benefit to you. Yeah.\n\nChannel 1: Yeah. Yep. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: You're\n\nChannel 0: Okay.\n\nChannel 1: a bloody gem. Thank\n\nChannel 0: No.\n\nChannel 1: you\n\nChannel 0: That's\n\nChannel 1: so\n\nChannel 0: okay.\n\nChannel 1: much.\n\nChannel 0: No worries at all. If there's anything else, let me know. Let me know how you\n\nChannel 1: Yep.\n\nChannel 0: go with those few things as well. And, yeah, feel\n\nChannel 1: Yep.\n\nChannel 0: free to let me know. If anything else that comes to mind, I'm more than happy to talk you through it, and we can look at it. But I would definitely be looking at that home and contents insurance and trying to reduce the payment there, go forward with the settling stuff, and see how we go. Okay.\n\nChannel 1: Thank you so much,\n\nChannel 0: Yeah.\n\nChannel 1: Dana. I'll flick you\n\nChannel 0: That's\n\nChannel 1: through\n\nChannel 0: okay.\n\nChannel 1: an updated thing when I do it, like, my budget planning thing and be like, okay. I\n\nChannel 0: Yep.\n\nChannel 1: think I can do this. Then\n\nChannel 0: Yep.\n\nChannel 1: we'll see what I end up with as a home loan.\n\nChannel 0: Perfect. And I'll get I'll get those comparison sites, the the links, and send them through to you. Okay?\n\nChannel 1: Yeah. Thanks so much.\n\nChannel 0: No. It's\n\nChannel 1: Enjoy\n\nChannel 0: okay.\n\nChannel 1: your raffle.\n\nChannel 0: You have\n\nChannel 1: Hopefully, you\n\nChannel 0: I\n\nChannel 1: can\n\nChannel 0: will.\n\nChannel 1: spend the afternoon at the beach or something.\n\nChannel 0: No. I've got bookings all afternoon, but it'd\n\nChannel 1: Oh, well.\n\nChannel 0: be\n\nChannel 1: Never mind.\n\nChannel 0: fine. That's it. It's all good. The weekend's coming.\n\nChannel 1: Yeah. It's only it's only two sleeps.\n\nChannel 0: That's exactly right. All good, Catherine.\n\nChannel 1: Thank\n\nChannel 0: Thank\n\nChannel 1: you.\n\nChannel 0: you so much. That's\n\nChannel 1: You're\n\nChannel 0: okay.\n\nChannel 1: welcome.\n\nChannel 0: You have a\n\nChannel 1: Thank\n\nChannel 0: good\n\nChannel 1: you.\n\nChannel 0: arvo. Talk soon.\n\nChannel 1: Thanks. See you. Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Catherine speaking.","start":0.39999998,"end":0.98,"sentiment":"neutral","sentiment_score":0.023659374099224806}],"sentiment":"neutral","sentiment_score":0.023659374099224806,"channel":1,"num_words":2,"start":0.39999998,"end":0.98},{"sentences":[{"text":"Hi, Catherine.","start":1.52,"end":2.24,"sentiment":"neutral","sentiment_score":0.16280154883861542},{"text":"It's Dana from Okie Financial.","start":2.24,"end":3.78,"sentiment":"neutral","sentiment_score":0.25354350209236143},{"text":"How are you?","start":3.9199998,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.23436401784420013}],"sentiment":"neutral","sentiment_score":0.22964126616716385,"channel":0,"num_words":10,"start":1.52,"end":4.8199997},{"sentences":[{"text":"I answered the phone on 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exactly right.","start":24.375,"end":25.494999,"sentiment":"positive","sentiment_score":0.40385663509368896},{"text":"And just to do security with you as well, just your full name, date","start":25.494999,"end":28.215,"sentiment":"neutral","sentiment_score":0.11991158021347863}],"sentiment":"neutral","sentiment_score":0.17001953107469223,"channel":0,"num_words":17,"start":24.375,"end":28.215},{"sentences":[{"text":"Yeah.","start":28.08,"end":28.58,"sentiment":"neutral","sentiment_score":0.04915603995323181}],"sentiment":"neutral","sentiment_score":0.04915603995323181,"channel":1,"num_words":1,"start":28.08,"end":28.58},{"sentences":[{"text":"of birth, and 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She mentions her Christmas plans and upcoming school holidays. The conversation also touches on her financial situation, including a $300,000 payment and $45,000 payment to fix a bathroom. The agent suggests reducing her budget and using offset accounts to save money on insurance bills and grocery bills. The customer is interested in potentially saving money on their insurance bills and reducing their monthly health care card payment."},"intents":{"segments":[{"text":"It's Dana from Okie Financial. How are you?","start_word":4,"end_word":11,"intents":[{"intent":"Provide contact information","confidence_score":0.00003240715}]},{"text":"Thank you for sending those.","start_word":28,"end_word":32,"intents":[{"intent":"Express gratitude","confidence_score":0.06335719}]},{"text":"And just to do security with you as well, just your full name, date Yeah.","start_word":91,"end_word":105,"intents":[{"intent":"Request security","confidence_score":0.023658676}]},{"text":"So, you know, I don't know how much more I can afford, but I got preapproval from the bank to add 200 to my loan. But I don't know how much that makes. That that then makes the loan $3.75. Okay.","start_word":239,"end_word":279,"intents":[{"intent":"Express financial budget","confidence_score":0.004607418}]},{"text":"But I don't know what the repayments on that. I haven't even looked. That was Was a the today job. yeah.","start_word":281,"end_word":301,"intents":[{"intent":"Ask about loan repayments","confidence_score":0.07138979}]},{"text":"But like the lawyer said, he goes, well, you can go through a civil suit if you wanted to through the company he works for to fix your bathroom. And I was like, yeah, that'll go down well, wouldn't it? It's gonna cost you more money though, isn't it? Yeah. $45,000 to read it in the bathroom. Right? Wow.","start_word":608,"end_word":666,"intents":[{"intent":"Fix bathroom","confidence_score":0.03278663}]},{"text":"It's gonna cost you more money though, isn't it?","start_word":647,"end_word":655,"intents":[{"intent":"Provide cost","confidence_score":0.032070223},{"intent":"Discuss finances","confidence_score":0.014070082}]},{"text":"Did you have at least a good Chrissy? How'd everything go then?","start_word":698,"end_word":709,"intents":[{"intent":"Have christmas","confidence_score":0.028760655}]},{"text":"have, you know, the school holiday weeks off with Kelly instead of, you know, him having him go to also feel like, you know, I need to be able to do this stuff for him because Yeah.","start_word":868,"end_word":904,"intents":[{"intent":"Provide holiday leave","confidence_score":0.00017031706}]},{"text":"It just reduces my pay by $300 every pay. Yep.","start_word":1229,"end_word":1238,"intents":[{"intent":"Reduce pay","confidence_score":0.19443955}]},{"text":"So it does reduce your take home pay a little bit. Yeah.","start_word":1240,"end_word":1251,"intents":[{"intent":"Reduce pay","confidence_score":0.44690672}]},{"text":"Well, I I asked Hayden to pay for school fees. Okay.","start_word":1346,"end_word":1356,"intents":[{"intent":"Ask for payment","confidence_score":0.00046798366}]},{"text":"I mean, if he if he doesn't sort of pay that, it might even be worth going forward and doing the child support properly because at least I mean, even and the biggest thing with that is even when you go through that system of trying to get the child support, there's always a chance they're still not gonna pay.","start_word":1604,"end_word":1663,"intents":[{"intent":"Plan child support","confidence_score":0.008114261}]},{"text":"So this quote that you've sent me is saving you about $729 on a yearly basis. That's a lot of money. And that's actually, I think when I looked at the comparison, it's slightly higher insurance. Yeah.","start_word":2046,"end_word":2082,"intents":[{"intent":"Compare quotes","confidence_score":0.13186355}]},{"text":"So So I've bill gotta would gotta have drastically really decreased. Yeah. yeah.","start_word":2580,"end_word":2592,"intents":[{"intent":"Understand bill","confidence_score":0.00024480923}]},{"text":"There are a little couple of comparison sites out there for, like, comparison? Yeah. Sure.","start_word":2624,"end_word":2638,"intents":[{"intent":"Compare sites","confidence_score":0.16547315}]},{"text":"But if you are managing to save that 500 on a fortnightly basis, that is giving you an extra $13,000 over the course of the year.","start_word":2683,"end_word":2708,"intents":[{"intent":"Save money","confidence_score":0.9132098}]},{"text":"So the other thing I was thinking, I'm not saving if you 500. I'm sort of, like, this is what I thought about. working even.","start_word":2709,"end_word":2733,"intents":[{"intent":"Express need for savings","confidence_score":0.00007148997}]},{"text":"The offset account you have, you may have mentioned that last time that he also had access to that. Is that right? No.","start_word":2756,"end_word":2778,"intents":[{"intent":"Seek offset account access","confidence_score":0.0026641542}]},{"text":"need Because to know one how of much the things you're owing. Yeah. perfect.","start_word":2817,"end_word":2830,"intents":[{"intent":"Know owing portion","confidence_score":5.566702e-7}]},{"text":"they're saving a good a good chunk of the year. Maybe pausing a few more of those services for a month or two while you're not utilizing them. And then, yeah, just, you know, trying to put any extra cash into your offset account. That way, it's sort of sitting there and giving you a bit of benefit as well if that helps a little bit more. And then Mhmm.","start_word":3325,"end_word":3394,"intents":[{"intent":"Save money","confidence_score":0.41427657}]},{"text":"I'll send through an email just with some comparison details like gas, and you can have a bit Mhmm. of a look at those and see if you can save a bit of money in those areas as well. Does that help a bit more? Yeah.","start_word":3395,"end_word":3440,"intents":[{"intent":"Send comparison details","confidence_score":0.26415297}]},{"text":"Yeah.","start_word":3453,"end_word":3453,"intents":[{"intent":"Consider options","confidence_score":0.0042323247},{"intent":"Consider options","confidence_score":0.08191628},{"intent":"Consider options","confidence_score":0.11477094}]},{"text":"think I don't even get the health care card because I'm on a 106. I think I have I'm to pull my pretty salary right back to 80 something.","start_word":3579,"end_word":3607,"intents":[{"intent":"Resolve medicare issues","confidence_score":0.006729538}]},{"text":"use 3,200 roughly on a fortnightly basis minus of that 312 that you have to repay back to leave. It's knocking your income down to $2.08 $8.07, which per week is about 1,400. So that is just under the threshold that might work Okay. that might work.","start_word":4483,"end_word":4529,"intents":[{"intent":"Estimate payments","confidence_score":0.00019172784}]},{"text":"As long as Centrelink assess it that way, it always comes down to how they're gonna assess things Yes.","start_word":4531,"end_word":4549,"intents":[{"intent":"Assess centrelink's pay","confidence_score":0.0008490174}]},{"text":"Tell them what you like, what you've got, what you're doing, how it works, and what you take home is maybe provide some, like, bank statements as well that show your pay going in on a regular basis so they can see what you're getting on your payslip versus how much is actually going into your account so they can see what you have to live on.","start_word":4825,"end_word":4891,"intents":[{"intent":"Provide bank statements","confidence_score":0.26880974}]},{"text":"It's that building that story and helping them understand what your living looks like. There's Yes.","start_word":4902,"end_word":4917,"intents":[{"intent":"Understand living","confidence_score":0.15076987}]},{"text":"You're still eligible for something. And even the money you're gonna get, if you don't have to use that towards your weekly expenditure, you can put it away in another account somewhere, offset your mortgage a little bit. That's gonna provide a great benefit. But if you can just get this little health care card as well, that's gonna provide just a little bit more of a benefit to you. Yeah.","start_word":4963,"end_word":5033,"intents":[{"intent":"Eligible for card","confidence_score":0.02477902},{"intent":"Explore options","confidence_score":0.0017206373}]},{"text":"That's gonna provide a great benefit. But if you can just get this little health care card as well, that's gonna provide just a little bit more of a benefit to you. Yeah.","start_word":5001,"end_word":5033,"intents":[{"intent":"Offer benefit","confidence_score":0.026232019}]},{"text":"If anything else that comes to mind, I'm more than happy to talk you through it, and we can look at it. But I would definitely be looking at that home and contents insurance and trying to reduce the payment there, go forward with the settling stuff, and see how we go. Okay.","start_word":5083,"end_word":5135,"intents":[{"intent":"Discuss insurance","confidence_score":0.41971055}]},{"text":"But I would definitely be looking at that home and contents insurance and trying to reduce the payment there, go forward with the settling stuff, and see how we go. Okay.","start_word":5105,"end_word":5135,"intents":[{"intent":"Reduce payment","confidence_score":0.25571352}]}]},"sentiments":{"segments":[{"text":"Catherine speaking. Hi, Catherine. It's Dana from Okie Financial. How are you? I answered the phone on time. How's everything going for you? I got your emails through.","start_word":0,"end_word":27,"sentiment":"neutral","sentiment_score":0.24032007157802585},{"text":"Thank you for sending those. How's everything going for you at the moment?","start_word":28,"end_word":40,"sentiment":"positive","sentiment_score":0.4583149552345276},{"text":"Actually, sorry. Before I do, I did have to sorry. I do Yeah. apologize. Yeah. Yeah. I You're just right. did forget You to do let your you thing. know I Take did a forget seat. to You're let recording you know we it.","start_word":41,"end_word":84,"sentiment":"neutral","sentiment_score":0.002637130208313465},{"text":"It's do fine. that's exactly right.","start_word":85,"end_word":90,"sentiment":"positive","sentiment_score":0.3721636235713959},{"text":"And just to do security with you as well, just your full name, date Yeah. of birth, and address. Sorry. No. You're right. You're like, oh, yeah. I don't have a voice. +1 91082. What's my address? Yep. Let's see. Hold on. Let's see. Hold on. This is my address. 19. Oh, Oh, so how's everything going? Thank you for doing that. So sorry. I forgot to do that. I don't normally forget to do it's security fine. It's side fine. of I'm things. like, oh, wait. Wait. I'm not just ringing my friend. That's it. How's everything been for you lately?","start_word":91,"end_word":192,"sentiment":"neutral","sentiment_score":-0.013524813577532768},{"text":"It's just time to shit.","start_word":193,"end_word":197,"sentiment":"negative","sentiment_score":-0.4349304139614105},{"text":"Oh, no. Really? Still all up in the air? Mhmm. Mhmm. Oh, wow. I yeah. I can He see wants here that money. you weren't oh, really? And, like, I'm already, you know, trying to be really tight with stuff. Yeah. So, you know, I don't know how much more I can afford, but I got preapproval from the bank to add 200 to my loan. But I don't know how much that makes. That that then makes the loan $3.75. Okay. Yep. But I don't know what the repayments on that. I haven't even looked. That was Was a the today job. yeah. And was that before they included the interest rate rise? Because was that kind of before or after they changed the interest rate? I have no idea. That's Oh, just a preapproval. Sorry. I haven't actually got Oh, it. okay. Sorry. No. That's Sorry. okay. It's the preapproval. That's fine. Yep. Not a worry.","start_word":198,"end_word":355,"sentiment":"neutral","sentiment_score":-0.12018347828637196},{"text":"So adding that extra And money does mean you pay a little bit more on your mortgage, but it does free up a little bit of extra cash flow there for you as well.","start_word":356,"end_word":389,"sentiment":"positive","sentiment_score":0.3684742748737335},{"text":"Okay. So that might be good. Let's see. But he hasn't accepted he didn't accept an offer of $1.30, which I didn't expect him to, but I kinda hoped he would.","start_word":390,"end_word":420,"sentiment":"neutral","sentiment_score":-0.15313193202018738},{"text":"But then he sent me this really big email and basically says I have to sell a house because Oh, no. he thinks he's entitled to half, which is fucked.","start_word":421,"end_word":450,"sentiment":"negative","sentiment_score":-0.5134056806564331},{"text":"And he also said, you know, it's worth 900 and blah blah blah blah blah. And I'm like, Yeah. well, we've got on the figures that the bank said it's $7.80 Yep. because that's what the bank would loan me money on. Yep. Yeah. So, basically, you're saying there's $700,000 equity in the home, and he expects us, which is 300 Wow. thousand. And I was like, I can't afford that. Like, this is a conversation I had originally. I can't afford 300,000. I'll go to bank and see how much I can afford. Yeah. It's just holding $1.30. I'm gonna push it to the 2 to 200. But I only hear the 200,000. I don't even use it. No. Anyway but I'm that so then sorry also you're going leads through me that.","start_word":451,"end_word":584,"sentiment":"neutral","sentiment_score":-0.16429799795150757},{"text":"to the problem with the bathroom because the bathroom's still fucking not fixed.","start_word":585,"end_word":597,"sentiment":"negative","sentiment_score":-0.435070127248764},{"text":"Yeah.","start_word":598,"end_word":598,"sentiment":"neutral","sentiment_score":-0.29995280504226685},{"text":"I'm so angry, but I don't even know.","start_word":599,"end_word":606,"sentiment":"negative","sentiment_score":-0.44354328513145447},{"text":"But like the lawyer said, he goes, well, you can go through a civil suit if you wanted to through the company he works for to fix your bathroom. And I was like, yeah, that'll go down well, wouldn't it? It's gonna cost you more money though, isn't it? Yeah. $45,000 to read it in the bathroom. Right? Wow. That's a lot. Everyone I rang there said between 35 and 45. Yeah. Wow. I didn't yeah. Wow. Yeah. Yep. Seems like It's a lot.","start_word":607,"end_word":690,"sentiment":"neutral","sentiment_score":-0.0675196647644043},{"text":"great.","start_word":691,"end_word":691,"sentiment":"positive","sentiment_score":0.49866169691085815},{"text":"Yeah. And how was Okay. Christmas? Did you have at least a good Chrissy? How'd everything go then? Yeah. I I just had three quiet days because I worked for three days, and he Yeah. ended up taking Kelly for those three days. But he's forgotten. Like, he's like, I'm gonna go to Brisbane on Tuesday, and I was like, well, you're taking Kelly with you. No. I can't. And I'm like, well, who's gonna look after him then? Because you said you'd look after him on the Tuesday when they're gonna work. And he's like, oh, yeah. So sorry. Because you shouldn't be thinking about your girlfriend Yeah. that's living with the in the house and, you know, like, he's let her move he's got her moved in and didn't even have a conversation with me for Kelly and or anything like that. So I'm like, poor Kelly. Like, he's just he's coping Yeah. really well. But, yeah, anyway, I just had a quiet Christmas. And then I purchased leave so that I can Yep. have, you know, the school holiday weeks off with Kelly instead of, you know, him having him go to also feel like, you know, I need to be able to do this stuff for him because Yeah. he's only little once. Yeah. And, like, I've taken so this month, February, he started school. He's only four days, and then February, they only do four days of school. They Yeah. do two Yep. days, and I have Wednesday off. But just to give him a bit of a break. So I've taken the Wednesdays off for this month, annual Okay. leave, so that Yep. I could, you know, spend time with him. But I actually have to work the last week of the month because it's yeah. Just from work purposes, and I said to Hayden, you've gotta have him that day because I'm Yeah. not putting him in Osh. But, I mean, if you Yeah. want him in Osh, you can put him in Osh. Yeah. But yeah. Yeah.","start_word":692,"end_word":1036,"sentiment":"neutral","sentiment_score":-0.01787956397966954},{"text":"It's good.","start_word":1037,"end_word":1038,"sentiment":"positive","sentiment_score":0.39619511365890503},{"text":"I mean, that'll be good to have that downtime with him on those Wednesdays that you can as well, maybe go to the park and just hopefully Yeah. have We a stress free day.","start_word":1039,"end_word":1072,"sentiment":"neutral","sentiment_score":0.21575531363487244},{"text":"yeah, we went to the beach just a beautiful beautiful Oh, nice.","start_word":1073,"end_word":1084,"sentiment":"positive","sentiment_score":0.3932947516441345},{"text":"day at the beach yesterday. Yeah. We go early, but because by the time it gets to 10:00, the start the wind picks up. So it was Absolutely. just no wind. Yep.","start_word":1085,"end_word":1116,"sentiment":"neutral","sentiment_score":0.1078699827194214},{"text":"Just lovely. The dog had a great time. He was pretty happy being out there swimming in the water, and then he gets over it and he drives himself off in the sand.","start_word":1117,"end_word":1149,"sentiment":"positive","sentiment_score":0.46138250827789307},{"text":"Yeah. Yeah. Yeah. Yeah. I'm Oh, like, you've wow. gotta go in my car, mate. All sandy and dirty. Alright. Oh, Alright. goodness me. Oh, so you've purchased some leave, which is good. That gives you some extra leave in there, but, admittedly, It costs it three does. $100 out of my pay. It does. Yeah. Because it looks like you've gotta you've gotta repay that back. So Yeah. Yeah. Yeah. So yeah. what happens is I've got it. It just reduces my pay by $300 every pay. Yep. Yep. So it does reduce your take home pay a little bit. Yeah. Was that I actually sort thought of fact it was you're at well, I thought it was pre I thought it was pretax of $300, not post tax. But, anyway no. That's okay. Oops. That's okay.","start_word":1150,"end_word":1287,"sentiment":"neutral","sentiment_score":-0.006309782681257829},{"text":"On the upside, you've got the extra leave ahead of you, which is good.","start_word":1288,"end_word":1301,"sentiment":"positive","sentiment_score":0.5357971787452698},{"text":"Yeah.","start_word":1302,"end_word":1302,"sentiment":"neutral","sentiment_score":0.3044999837875366},{"text":"That's right. The the quality time is always important over the over the money side of things as well.","start_word":1303,"end_word":1321,"sentiment":"positive","sentiment_score":0.39853012561798096},{"text":"Yeah. Yep. And you're not paying day care fees anymore, so that money's sort of going towards the school fees now, isn't it? Yeah. Well, I I asked Hayden to pay for school fees. Okay. And I is was like, he can covering you please that? pay the school fees? Well, I don't know for how long. Okay. We'll see. He's paying Yeah. the invoice for this semester, but, Yep. yeah, I I honestly don't know because it's 6,600 for this year. Yep. When I did an estimate, I did another estimate, childcare estimate, and it's he only has to pay $810 a week Okay. because we've done this new arrangement just recently. So it's he's Yep. it's $60.40 split now, Yep.","start_word":1322,"end_word":1443,"sentiment":"neutral","sentiment_score":-0.01860109344124794},{"text":"which is great because I'm now getting, like, a I I get this weekend, I get Saturday night and Sunday night to myself. Oh, that'll be nice.","start_word":1444,"end_word":1470,"sentiment":"positive","sentiment_score":0.4689868092536926},{"text":"Yep. Yep. Yeah.","start_word":1471,"end_word":1473,"sentiment":"neutral","sentiment_score":0.1757887452840805},{"text":"It will be nice.","start_word":1474,"end_word":1477,"sentiment":"positive","sentiment_score":0.34236443042755127},{"text":"It's actually yeah. Yeah. And I've only had that once. So yeah. So we just started it. We did parenting plan. Mhmm. Yeah.","start_word":1478,"end_word":1500,"sentiment":"neutral","sentiment_score":0.078053317964077},{"text":"So that's that's good. It's good Yep.","start_word":1501,"end_word":1507,"sentiment":"positive","sentiment_score":0.4009014070034027},{"text":"that he can spend time with his son. Yep. But yeah. Yeah. He should. Yeah. And is he still putting any money into the mortgage to as kind of the child support scenario, or is that not happening still? I know it was No. sort of He sort stopped. of was and sort of wasn't. It stopped. Yeah. Okay. And he stopped.","start_word":1508,"end_word":1569,"sentiment":"neutral","sentiment_score":0.022468937290531975},{"text":"He's definitely stopped now, so don't worry about doing it.","start_word":1570,"end_word":1579,"sentiment":"positive","sentiment_score":0.3761143386363983},{"text":"So don't worry about Okay. it. Don't give me any money. Yeah. Just pay It the might child. be worth Just pay. Yeah. yeah. I mean, if he if he doesn't sort of pay that, it might even be worth going forward and doing the child support properly because at least I mean, even and the biggest thing with that is even when you go through that system of trying to get the child support, there's always a chance they're still not gonna pay. I had trouble with that back when I was a single parent with my ex, but at least while he's young with the school fees and things like that, if you do decide to go down that track as hard as it can be, at least you've got someone on your side tracking how much child support you're supposed to have, and they Yes. they can then, you know, try to push it out of him, garnish his wages, go shoot the court system, do whatever they need to do to get that extra Yep. bit of help for you. Because if you're paying for everything and not getting anything out of it, it it does it's gonna yeah.","start_word":1580,"end_word":1782,"sentiment":"neutral","sentiment_score":-0.13655367493629456},{"text":"It does cause such a lot of stress on yourself, and your son definitely notices things like that.","start_word":1783,"end_word":1800,"sentiment":"negative","sentiment_score":-0.4903656542301178},{"text":"So it would be worth maybe going down that route if he doesn't keep paying for the school fees just to alleviate a little bit of pressure on yourself. Yeah. That's what the lawyer said. He goes, just hold that card for now. He goes, see if you'll Yeah. accept this settlement figure. We'll write the Yeah. parenting plan up, or we get it across family court. If a judge is happy, it'll go through. Yep. But paid won't sign it, so that's fine. Now we gotta go back. We've gotta come up with a better figure clearly. But I'm not coming up with a figure now.","start_word":1801,"end_word":1907,"sentiment":"neutral","sentiment_score":-0.06199213862419128},{"text":"I think he can do the work.","start_word":1908,"end_word":1914,"sentiment":"positive","sentiment_score":0.579524576663971},{"text":"Yeah. I'm not Yeah. paying a lawyer to you know, I've got a I've got a meeting next Friday with my lawyer, but I'm like, I'm in the house. So Yep. Yeah. if he wants money, then he can do the hard work, Absolutely. Absolutely. I'm thinking. Yeah. Definitely. And We'll you see updated what's happened. the quote to reduce your home and contents insurance a little bit as well? Well yeah. So when he did when when the guy did my preapproval, he flipped that quote Mhmm. through, and I just went, I wonder if that's cheaper than what I've been paying. It is. I Because feel in the budget I feel plan like that we it is. had done up, your home and contents insurance was costing 2,445 annually. So this quote that you've sent me is saving you about $729 on a yearly basis. That's a lot of money. And that's actually, I think when I looked at the comparison, it's slightly higher insurance. Yeah. Well, that's the one Because I I the quote I was looking at is the plus option at the bottom because one of the big yeah. things Me to look too. at when you are your home and content insurance is having that top cover often covers you for, like, storm damage, accidental damage, things like that that aren't normally done under your basic options. So that's something Yeah. I learned back in the day working in banking and insurance types of things, having that tough cover. But even that tough cover, it's saving you that $729. So that would put a little bit more back into your budget, which is not a bad thing, give you a little bit Yeah. extra free cash flow on a weekly basis. So what? $7.29, if we look at that, say, on a weekly basis, it's giving you an extra it's $14 a week, but that over the year adds up drastically. Yeah. Yeah. That's Yep. right. Yep. Okay. Yep. So I'll do that. So I'll use that. I'll swap to that quote.","start_word":1915,"end_word":2262,"sentiment":"neutral","sentiment_score":0.06999549687165639},{"text":"Perfect.","start_word":2263,"end_word":2263,"sentiment":"positive","sentiment_score":0.6963322758674622},{"text":"Did you end up applying for, like, Centrelink or anything like that trying to obtain any of that? And we started it, and then it was like, we need process like the schedule or whatever that you're doing, and I hadn't got that finalized. But I do have Okay. that now. So that's this afternoon's job to actually go and do that. But Yep. I wanna do that as lump sum, so I kinda Yep. don't wanna count that at the moment because Yep. I just Yep. wanna see if we can use that for holidays and things like that. Yeah. Yeah. Absolutely. Maybe. Or just putting it If on your that's mortgage possible. and kind of having it free cash, it's sort of offsetting your interest a little bit as well. Yeah. So let's get it there and yeah. Yeah. Then, yeah, that's the kind of plan at the Yep. moment. Yep.","start_word":2264,"end_word":2416,"sentiment":"neutral","sentiment_score":0.10953360795974731},{"text":"Perfect.","start_word":2417,"end_word":2417,"sentiment":"positive","sentiment_score":0.38952600955963135},{"text":"And anything else that's kind of changed? How did you sort of go with reducing the budget down and has that I know with the the face of the solicitors, it's probably all a bit up in the air at the moment, but has any of it kind of made much of a difference to your budget, or is this all still a little bit hard? Or what's okay. I'm sort of leveling out at $500 in my account most of the time every fortnight, Okay. which That's good. Yep. means yeah. But, I mean, I did sort of spend a bit of money the other week. Yeah. I I'm trying really hard. I can actually I I just just buy food for kids, like, school stuff. And then if we eat out, we eat out. Or if we don't, we don't, like it's kind of I don't think I'm spending as much money as I was before Yes. on groceries.","start_word":2418,"end_word":2578,"sentiment":"neutral","sentiment_score":-0.07811963558197021},{"text":"So So I've bill gotta would gotta have drastically really decreased.","start_word":2579,"end_word":2589,"sentiment":"negative","sentiment_score":-0.4160407781600952},{"text":"Yeah. yeah. I've gotta reassess my grocery bill and probably my electricity and gas bill Yeah.","start_word":2590,"end_word":2605,"sentiment":"neutral","sentiment_score":-0.1823812574148178},{"text":"because Definitely I have no shop idea around for those.","start_word":2606,"end_word":2615,"sentiment":"negative","sentiment_score":-0.3606921136379242},{"text":"what I'm doing with those. Yeah. That's alright. There are a little couple of comparison sites out there for, like, comparison? Yeah. Sure. Yep. Yep.","start_word":2616,"end_word":2640,"sentiment":"neutral","sentiment_score":0.0718366727232933},{"text":"Sure. Perfect. So electricity and gas. I'll find those sites, and I'll email the link through to you for you to sort of sit down, have a bit of a play with and see if that makes a bit of a difference. But if you are managing to save that 500 on a fortnightly basis, that is giving you an extra $13,000 over the course of the year.","start_word":2641,"end_word":2708,"sentiment":"positive","sentiment_score":0.432734727859497},{"text":"So the other thing I was thinking, I'm not saving if you 500. I'm sort of, like, this is what I thought about. working even. Yeah. Sort of, Yep. like, sitting there. That's alright. Yeah. Maybe Is maybe your saving 300 maybe. Yeah. okay. Yep. That's okay. The offset account you have, you may have mentioned that last time that he also had access to that. Is that right? No. No. It's all you. You're the The only one home with access loan? to your offset? Only Yeah. I'm the only one that's got access to the home loan. It's in my name only. Yep. You just Perfect. need Because to know one how of much the things you're owing. Yeah. perfect. One of the things you made mention is putting money in there but taking it back out, but that might have just been a joint account. That's okay. Because utilizing that offset account or, you know, an account that is attached to your home loan to put all your excess, like, any savings or any leftover money at the end of the week Mm-mm. or the fortnight into that offset account will help to offset some of the interest because interest rates have gone up, which can make a bit of a difference.","start_word":2709,"end_word":2923,"sentiment":"neutral","sentiment_score":0.015319427882516109},{"text":"But you still have access to that money while trying to save on some of the interest you pay on your loan, which could provide a little bit little bit of a benefit over the course of the year as well.","start_word":2924,"end_word":2964,"sentiment":"positive","sentiment_score":0.3946318030357361},{"text":"Yeah. Okay. Yeah. And it's easier if it's just in your name. That way, he doesn't can't access Yep. any of He those can't funds. access it. Yes. Yeah. But making sure the offset account is used over putting the money directly on the loan, it still does the same thing. It offsets the amount of interest you are paying. It's just that in an offset account, it's another access account. So it's offsetting Yep. your interest that you're paying on your loan, but you can still access those funds if you need to for bills and, you know, food and things like that. Okay. Yeah.","start_word":2965,"end_word":3070,"sentiment":"neutral","sentiment_score":0.13012918829917908},{"text":"Perfect. All good.","start_word":3071,"end_word":3073,"sentiment":"positive","sentiment_score":0.5431311726570129},{"text":"Is there anything else that kind of has been coming to mind that you've been thinking about? Or No. I'm just thinking about getting No. rid of the getting rid of the pay services that I use, like Netflix, $25 a month, Yeah. and Stan. Because my bro I'm using I've got Prime and Disney. So I figured if I just use those two for a little while, Yep. get rid of Netflix and stand for a bit, that's $30 a month, I'll Yeah. save. 30 Absolutely. $5.40. Absolutely. And you can alternate. You can pause one or two here and there and then bring something else back if you just wanna look at something else of the year or for a month Yeah. or two. Yeah.","start_word":3074,"end_word":3200,"sentiment":"neutral","sentiment_score":0.018767494708299637},{"text":"That's a good point.","start_word":3201,"end_word":3204,"sentiment":"positive","sentiment_score":0.36799338459968567},{"text":"I might do that. I'll put Yep. Can you stop that, mate? Stop it.","start_word":3205,"end_word":3218,"sentiment":"neutral","sentiment_score":0.0061874124221503735},{"text":"My dog is dropping me nuts.","start_word":3219,"end_word":3224,"sentiment":"negative","sentiment_score":-0.38535624742507935},{"text":"I told him to be just, I think, and he would be exhausted for two days. He's Yep. now I've just got a box of rubbish that's on his way out to the bin. We're now getting into that. Oh, no. Oh, goodness me. He's so Oh, gosh.","start_word":3225,"end_word":3272,"sentiment":"neutral","sentiment_score":-0.08122257702052593},{"text":"funny. I love him.","start_word":3273,"end_word":3276,"sentiment":"positive","sentiment_score":0.4757314920425415},{"text":"Yeah. Uh-huh. Yeah. Yeah. Yeah. Well, I mean, it Yep.","start_word":3277,"end_word":3286,"sentiment":"neutral","sentiment_score":0.11004279553890228},{"text":"it honestly looks good so far.","start_word":3287,"end_word":3292,"sentiment":"positive","sentiment_score":0.5221375823020935},{"text":"If you look to go ahead and maybe look at that quote, just double check the quote details that they've sent through with regard to that home and contents because, honestly, Yeah.","start_word":3293,"end_word":3324,"sentiment":"neutral","sentiment_score":0.11014692485332488},{"text":"they're saving a good a good chunk of the year.","start_word":3325,"end_word":3334,"sentiment":"positive","sentiment_score":0.4880569577217102},{"text":"Maybe pausing a few more of those services for a month or two while you're not utilizing them. And then, yeah, just, you know, trying to put any extra cash into your offset account. That way, it's sort of sitting there and giving you a bit of benefit as well if that helps a little bit more. And then Mhmm. I'll send through an email just with some comparison details like gas, and you can have a bit Mhmm. of a look at those and see if you can save a bit of money in those areas as well. Does that help a bit more? Yeah. That helps heaps. I was Yeah. like, what am I gonna do? Yeah. And keep going with the Centrelink application. I know it's painful to do. But once they get the assessment through, getting anything you can out of them on a fortnightly basis, even if you're not utilizing it, you're just putting it in, like, maybe an offset account and having it sit there. Again, it's just a little bit of extra money that you can fall back on. And if you're on, like, single parent pension or, you know, any of those sorts of things, you having a health care card, if you can get that as well, which I'm pretty sure you do with the parenting payment and all the supplement a and b, I I can't get it.","start_word":3335,"end_word":3572,"sentiment":"neutral","sentiment_score":-0.05938217043876648},{"text":"that I can don't help.","start_word":3573,"end_word":3577,"sentiment":"negative","sentiment_score":-0.518307089805603},{"text":"think I don't even get the health care card because I'm on a 106. I think I have I'm to pull my pretty salary right back to 80 something. I thought when I've relooked at it. let me have I a look, sort of was see only if it's with if you get full part a or something, but I can get full part. One of them, I don't get the full part, which I think that's attached to when I read back and read changed. it. But They had us they did use to allow it if you were on parts for a certain amount. I'm just gonna okay. have a look. So Centrelink Healthcare card. And my pay is about to go up to $1.18 too in March Yeah. end You of March. yeah. You said that goes up a bit more then. But, I That mean, might that's only that's about $1.50, I think, or $200 in my pay, which is not bad. It yeah. takes me back up to where I was Yeah. No. ish. That's okay. There's also ways around, like, if you have to go to specialists and things like that, like talking to your doctor because there's a lot of other services with regard to the health side of things that are covered by Medicare. So, like, when I take my kids to the the doctors, I'll say, like, what can I get under Medicare first and how accessible is it? And, like, with my daughter, she's got depression at the moment, so she's accessing cheap she gets, like, 10 a year Yep. psychologist visits, and she only pays about a $100 for those rather than the normal 2 to 300 for the visit. So That's what we're paying at the moment for Kelly, but his last one is yeah. next week. And then and I've got my last one this week, and then we gotta pay full rack. Yeah.","start_word":3578,"end_word":3904,"sentiment":"neutral","sentiment_score":-0.023614751175045967},{"text":"No. It's hard, isn't it?","start_word":3905,"end_word":3909,"sentiment":"negative","sentiment_score":-0.46208855509758},{"text":"Yeah. Max. Stop it. Medicare. Yeah. Because the doctor also said to me he goes, if if it's full on, he goes, you'll find a psychologist that'll bulk bill me. Yes. And I was like, Yep.","start_word":3910,"end_word":3945,"sentiment":"neutral","sentiment_score":-0.024550555157475173},{"text":"but I found one that I like now, so that's a bit you know?","start_word":3946,"end_word":3959,"sentiment":"positive","sentiment_score":0.4428175985813141},{"text":"Yeah.","start_word":3960,"end_word":3960,"sentiment":"neutral","sentiment_score":0.3321307897567749},{"text":"And that's important.","start_word":3961,"end_word":3963,"sentiment":"positive","sentiment_score":0.33837026357650757},{"text":"You discuss quite a lot when you go and see them, so you wanna trust the person you're talking to with what you're divulging. Yeah. You're No. Yeah. I gonna wanna I build wanna go that back and relationship. work Yeah. out why I'm, like, the way I do stuff so then that doesn't impact future relationships. Yeah. Okay. So parenting pay family tax benefit. Have a dependent child on a full have a full have a dependent child or full time secondary child who's 16 to 19. We have a full time dependent child. Care for the child at least 35% of the time and make the income test. Now what's the income test? Because these Yes. have all The changed income recently tax. the last few weeks as well.","start_word":3964,"end_word":4094,"sentiment":"neutral","sentiment_score":0.089366614818573},{"text":"They change twice a year, which is kind of annoying.","start_word":4095,"end_word":4104,"sentiment":"negative","sentiment_score":-0.6847394108772278},{"text":"Yeah. Changes. Because you just get you remember it and then it changes. Family tax benefit. Okay. So the Centrelink Healthcare card is automatically issued to families receiving the maximum rate of family tax benefit a generally when adjusted tax for income is below a specific threshold. If the threshold exceeds this, you may qualify for a low income tax threshold based on a weekly income test of $7,802 50 for singles or a one child family. Automatic issue. So 17. What's yours? $0.2.50. What are you getting per week at the moment? So yours and 106,034, roughly. It's Oh, that's $5.52. So it's about 2,039. So it is just above that limit there. So key thresholds a week. Couple one child, $1.07 $4.05 combined. Low income health care card. If you don't get the maximum family tax benefit, you may qualify for your if your gross weekly income is below the set limit of $17.00 2 for singles with one child, and any child after is $42.50 extra.","start_word":4105,"end_word":4273,"sentiment":"neutral","sentiment_score":-0.010499257880907793},{"text":"So it is just above the threshold now, unfortunately. That's If I reduce a bummer.","start_word":4274,"end_word":4288,"sentiment":"negative","sentiment_score":-0.5553094148635864},{"text":"my hours a day a week, Well, you've also Is you're also losing $300 out of your pay, it aren't you? yep. So have a look at what that looks like when they're paying that back and see what it comes out at because it might push you down under that threshold. Because my fortnightly pay is, like, $2,800 Yep. in hand. And it's $300 a week that you're paying back the leave. Yep. Yep. Oh, I've I'm got sorry. here It's $303,300 three three hundred and is 12 what my pay is. Yeah. If 32 yeah. Including 100. that. Yep. Yep. I forgot. I'm And putting a $100 away into Kelly's little account. that's right. And then your purchase repayment to leave is $312.71, and that's on a that's a fortnight, isn't it? Yeah. It's a fortnight Yep. because your income's fortnightly. The $3.01 Yep. 2 and 71. It still keeps us just above that threshold. One by two. Oh, no. If we can swing that, if your payslips can show how much you're getting, they might swing it. I don't it depends on how Centrelink will assess it, but if you Okay. use 3,200 roughly on a fortnightly basis minus of that 312 that you have to repay back to leave. It's knocking your income down to $2.08 $8.07, which per week is about 1,400. So that is just under the threshold that might work Okay. that might work. As long as Centrelink assess it that way, it always comes down to how they're gonna assess things Yes. realistically Yes. because you're not getting that money. You're you're paying it back. It shouldn't be considered. But just sort of see because they're gonna wanna see payslips as well. So Yep. Yep. just give them the payslips and let them know that you're obviously not getting that $312.71 on a fortnightly basis because you've had to take extra leave, and you've gotta repay that back to the company for the leave that you've bought.","start_word":4289,"end_word":4623,"sentiment":"neutral","sentiment_score":-0.006776838838609297},{"text":"So it does reduce your take home pay. If you explain it that way and provide the pace that's showing that when they request them, see how they assess it. It might make you eligible enough for the low income health care card or the HCC just depending on how they're gonna assess it. But if you can get that and get it across the line, that'll make so much of a difference to your health care, doctor's costs, everything.","start_word":4624,"end_word":4703,"sentiment":"positive","sentiment_score":0.4574681222438812},{"text":"So So if then because, yeah, I've been going and seeing one of both bills, so I don't have to go and see another doctor and pay, like, yep. a $100 every time. So Yep. if my pay then goes up the extra $200, I'm still only just gonna I'll still just be in that because it's an extra $100 a week. Yeah. Yeah. Won't it?","start_word":4704,"end_word":4769,"sentiment":"neutral","sentiment_score":0.24498455226421356},{"text":"It'll still be okay. It Okay. it looks like it should still just be okay.","start_word":4770,"end_word":4784,"sentiment":"positive","sentiment_score":0.46243759989738464},{"text":"Yeah. Alright. Well, But that was yeah. my other thing to do today. So Yeah. get that document all sorted because that that was yeah. Yep. I always sort of suggest when we're talking to Centrelink, build the story.","start_word":4785,"end_word":4823,"sentiment":"neutral","sentiment_score":0.12620331346988678},{"text":"Tell them what you like, what you've got, what you're doing, how it works, and what you take home is maybe provide some, like, bank statements as well that show your pay going in on a regular basis so they can see what you're getting on your payslip versus how much is actually going into your account so they can see what you have to live on. And that can sometimes be really helpful for them as well. It's that building that story and helping them understand what your living looks like.","start_word":4824,"end_word":4915,"sentiment":"positive","sentiment_score":0.38642019033432007},{"text":"There's Yes. always a slight decline the health care card side of things, but I always think what's the worst they can do? They can say no. I would always try That's right. I'm still gonna and see get what something happens. from them. Yeah. Correct. Correct.","start_word":4916,"end_word":4962,"sentiment":"neutral","sentiment_score":-0.04955567792057991},{"text":"You're still eligible for something.","start_word":4963,"end_word":4967,"sentiment":"positive","sentiment_score":0.3639492988586426},{"text":"And even the money you're gonna get, if you don't have to use that towards your weekly expenditure, you can put it away in another account somewhere, offset your mortgage a little bit.","start_word":4968,"end_word":5000,"sentiment":"neutral","sentiment_score":0.3243919909000397},{"text":"That's gonna provide a great benefit. But if you can just get this little health care card as well, that's gonna provide just a little bit more of a benefit to you.","start_word":5001,"end_word":5032,"sentiment":"positive","sentiment_score":0.5059565901756287},{"text":"Yeah. Yeah. Yep. Okay. Yeah. You're Okay. a bloody gem.","start_word":5033,"end_word":5042,"sentiment":"neutral","sentiment_score":0.213983952999115},{"text":"Thank No. you That's so okay. much.","start_word":5043,"end_word":5049,"sentiment":"positive","sentiment_score":0.39862698316574097},{"text":"No worries at all. If there's anything else, let me know. Let me know how you Yep. go with those few things as well. And, yeah, feel Yep. free to let me know. If anything else that comes to mind, I'm more than happy to talk you through it, and we can look at it. But I would definitely be looking at that home and contents insurance and trying to reduce the payment there, go forward with the settling stuff, and see how we go. Okay.","start_word":5050,"end_word":5135,"sentiment":"neutral","sentiment_score":0.24221816658973697},{"text":"Thank you so much, Yeah.","start_word":5136,"end_word":5140,"sentiment":"positive","sentiment_score":0.4235202968120575},{"text":"Dana. I'll flick you That's through okay. an updated thing when I do it, like, my budget planning thing and be like, okay. I Yep. think I can do this. Then Yep. we'll see what I end up with as a home loan.","start_word":5141,"end_word":5183,"sentiment":"neutral","sentiment_score":0.21469550423843917},{"text":"Perfect. And I'll get I'll get those comparison sites, the the links, and send them through to you.","start_word":5184,"end_word":5201,"sentiment":"positive","sentiment_score":0.452971488237381},{"text":"Okay? Yeah.","start_word":5202,"end_word":5203,"sentiment":"neutral","sentiment_score":0.2336950451135635},{"text":"Thanks so much.","start_word":5204,"end_word":5206,"sentiment":"positive","sentiment_score":0.6569174528121948},{"text":"No. It's Enjoy okay.","start_word":5207,"end_word":5210,"sentiment":"neutral","sentiment_score":0.16954347491264343},{"text":"your raffle.","start_word":5211,"end_word":5212,"sentiment":"positive","sentiment_score":0.3945463299751282},{"text":"You have Hopefully, you I can will. spend the afternoon at the beach or something. No. I've got bookings all afternoon, but it'd Oh, well. be Never mind. fine. That's it.","start_word":5213,"end_word":5243,"sentiment":"neutral","sentiment_score":0.1114254966378212},{"text":"It's all good. The weekend's coming.","start_word":5244,"end_word":5249,"sentiment":"positive","sentiment_score":0.5453388690948486},{"text":"Yeah. It's only it's only two sleeps.","start_word":5250,"end_word":5256,"sentiment":"neutral","sentiment_score":0.17177583277225494},{"text":"That's exactly right. All good, Catherine. Thank Thank you. you so much.","start_word":5257,"end_word":5268,"sentiment":"positive","sentiment_score":0.6905797719955444},{"text":"That's You're okay.","start_word":5269,"end_word":5271,"sentiment":"neutral","sentiment_score":0.3071613609790802},{"text":"welcome. You have a Thank good you.","start_word":5272,"end_word":5278,"sentiment":"positive","sentiment_score":0.5704033970832825},{"text":"arvo. Talk soon.","start_word":5279,"end_word":5281,"sentiment":"neutral","sentiment_score":0.28072136640548706},{"text":"Thanks. See you.","start_word":5282,"end_word":5284,"sentiment":"positive","sentiment_score":0.4366533756256103},{"text":"Bye. See you later. Bye.","start_word":5285,"end_word":5289,"sentiment":"neutral","sentiment_score":0.21697257459163663}],"average":{"sentiment":"neutral","sentiment_score":0.04084333568424373}}}}