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Is now still a good time there for you? I can. Yeah. Perfect. How's your day been? Nice. Nice. Well, I'll tell him to take up too much of your time. I've got your budget planner here, and thank you so much for completing it and sending it back. Before I jump into the call, I do have to let you both know we do record our calls for quality and training purposes. Are you okay if we proceed with that? Absolutely. Sorry about that. We do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yep. Beautiful. And as for the security, I'll just get you to confirm your full name, date of birth, and address I should have on file. Just one of you is fine. Beautiful. Beautiful. Thank you so much for that. I had a bit of a look through the file there, and I can see you wanted to sort of talk about the the cash on the budget plan. From what I understand, you're wanting to look at just consolidating some things. But how can I help you both? What were you sort of after? Yep. Yeah. Absolutely. What's your interest rate you're paying at the moment on those loans on the the mortgages? Nine seven percent. Not a problem at all. Yeah. Because having a bit of a look at things I mean, with the budget plan that you've given me here, having gone kinda gone through it all, you do have a bit of surplus cash available. So do you guys kinda work your budget out on a weekly or fortnightly basis? How do you sort of budget for everything? Yep. Yeah. Absolutely. Looking at the way things are structured because at the moment, based on the budget plan here, you have about a $118 on a weekly basis surplus, but are you sort of finding that it's not really working out that way, that it's a little bit tighter than what it looks like? Yeah. Yeah. Yeah. Yeah. No. Understandable. So with them charging interest, what are they charging your interest at on the Zip loan? Are they have they told you what the interest rate is? Yeah. You're right. Okay. Yeah. Absolutely. And that interest rate would be certainly higher than what you have on your mortgage or any kind of personal loan. Okay. Yeah. Yeah. That's basically the same as the sort of interest rate you'd be paying on, like, an unsecured personal loan or something, which is pretty high. And if you're paying that over the next sort of six to eight months, it's definitely gonna impact you. You end up paying basically almost double what you probably borrowed in the first place. There's one or sort of two options that we can maybe look at. I could look at doing some personalized advice on helping you to kinda pay down all of these debts, or if you're wanting to sort of look at consolidating, maybe have a look at your mortgage, maybe look at kinda consolidate your debts into one repayment, we could refer you through to one of our local mortgage brokers who are fantastic. They could have a look at your borrowing capacity, look at what it might look like if your loans were all consolidated into one to make it one repayment instead of all, you know, seven repayments. Which way would you sort of prefer to go? Would you like to look at the more the mortgage broker side of things first and see if you can consolidate everything quicker? Okay. Yeah. Yeah. Yeah. Absolutely. Yep. No worries. They want a little bit extra money there. Because the reason I'm sort of suggesting we maybe look at consolidating the Zip money and the Zip loans into your mortgage is that if you're paying a 12 to 13% interest rate there, if your mortgage is only at five or even 6% with the current interest rates that are, you're actually saving the interest. So you could technically be lowering the amount you have to repay. Paying a lesser interest rate and consolidating into your mortgage means you're paying it all back at one. It would definitely be beneficial when you pay off those zips to completely close them as well because having them open sort of in time, you'd use them a bit more regularly. But consolidating it into one loan and and including those those ZIP loans and the ZIP payments into your mortgage could have the interest rate realistically, reduce the amount you have to pay back, maybe even free up a little bit of cash for you as well. Because when you go to kinda look at your mortgage and if you're consolidating those mortgage payments and trying to sorta get a bit of top up money, the interest rate that you are paying in those money loans do factor into the servicing, and it could make it harder to service a new loan. It is definitely something having a chat with a mortgage broker and maybe looking at the options, have them sort of look at consolidating everything together, including those ZIP loans to show you what the interest rate might look like, how long it might last to pay everything down, what your regular repayment might look like as well. That way, it might free up a little bit of extra cash for you guys. But then you can also get them to do up a bit of a quote and show you what it looks like if you don't consolidate those ZIP loans in there as well just to see what your cash flow looks like or how that might change. Does that make sense? Yeah. No. It is it is sort of extending the payment over a longer period of time, but you are paying a lower interest rate. The other option is you try to increase the payments onto that ZIP loan with any extra free cash that you have. Like, if you have an extra 20 or 30 or $50 on a weekly basis, try and smash that in there as much as you possibly can to reduce that debt as quickly as possible. Once that is completely paid off to cancel and close it, that way it's no longer there. That frees up that extra money for you, and you can start putting that into your offset account and having it as savings. But it is a very high interest rate. And, I mean, I don't know how they work with the interest rates in those ZIP loans, but they could increase them or change them. They're sort of not normally fixed, and they're normally more variable rate and can increase and decrease depending on the cash rate and things like that. So there is a chance it could go up further in the future. Yeah. Bit of a tough one. Yes. So the other the other side of it, what I could do is I could look at doing some personal advice for you to maybe show you where you might need to or where you could cut back on your budget to free up some extra cash flow and where that could be utilized to help pay down that ZIP loan a bit faster and how that might look for you. It is it can get a little bit drastic depending on how far we need to go or how much you know, how quick you wanna pay that ZIP loan off or what the let you know, what the the total is that you owe at the moment. But I am more than happy to do that. If you'd like to, I just have to go back and do a bit more research, get the statements off you to show how much you owe total, what the interest rates are, and do all the math and calculation around that sort of thing. But it's absolutely an option. There's no additional cost to that kind of advice. It's part of what I do as a financial adviser for you. It's just sort of one of the two options. The best way to move forward is either to maybe look at speaking to a lender and seeing if you can maybe consolidate the loans and seeing if you can, you know, pay them down quicker that way, or we can do that personalized advice and look at maybe altering your budget, showing you where you might need to cut back to kinda pay that down a bit quicker. It's up to you guys, though. Yeah. Yeah. Yep. That's okay. Yeah. I mean, you the other sort of yeah. Yeah. Yeah. Abs absolutely. Is there a certain time frame? Because is it the ZIP debt that's sort of the one thing you're wanting to pay down quickly as possible free up that cash flow to be able to put to other things like holidays and the mortgage? Yep. Yep. Yeah. No. That's okay. Yeah. Yeah. No. That's okay. Not a problem at all. With the budget planner, as I kinda mentioned before, it does have, that surplus of about a $118 on a weekly basis based on the information I have here. Are you finding that you do sort of have that amount available, or is it sort of less that you're finding is available at the end of the week when you can sort of consider all of your it's yeah. No. That's okay. Not a problem at all. Not an issue. What I'll do, I know you guys sent through the budget plan. Are you able to send me via that email? Actually, I can email you after this. I'll send you an email from my email address. If you can reply back and send me just the latest statement of the ZIP debt just showing the amount you have owing on both of those, I can go back and do a little bit of an advice document or even just a strategy paper showing you a couple of options on what you could probably do to help pay that down a little bit quicker and give you some advice that way for cash flow and budgeting. And then did you want me to also organize maybe just a referral to the mortgage broker, or did you wanna look at this first? What would you what would you prefer? Yeah. No. Absolutely. So mortgage brokers aren't paid by the clients. They're paid by the banks that they write the loans for. So it is completely complimentary to speak to one of our lovely mortgage brokers. Even if you don't wanna include the ZipDebt, you just wanna get the also, I can do this sort of strategy paper, all the advice to show you what your options are with paying that down a bit quicker here. If you're still wanting to look at consolidating your mortgage over, they can run the numbers and look at, you know, whether you've got borrowing capacity and give you a bit of an idea on what the repayments might look like, what the interest rates might look like that the banks are offering, and sort of see if they can help you there with regard to that. And as I mentioned, that's completely complimentary to you guys as well. It's part of our services to refer you across. And if they do the loan, they get paid by the the lender. So yeah. Yeah. Perfect. With the referral, I send an email to you and to the mortgage broker, and then they tend to email you to organize a day to be able to call and sort of have that initial conversation. Are you comfortable with me providing them with just some basic information, your name, your email address, phone numbers, just some basic information on yourself? Yeah. Beautiful. And would you like the email sent to both of you or just to one of you, or and who would be the most preferred for them to contact? Yep. Yeah. Yep. That's okay. Not a problem at all. And when I sorta do the the strategy paper and look at sort of the different options that you might have to be able to pay the the ZipDebt back as quickly as possible, I do and I do like to clarify because I do kinda go through and scale your budget, and I might tell you to sort of knock that. That's why I might do it as a strategy paper and give you a couple of different different options and show you how it can work with the budget, because I can get a little bit in-depth and take things away that all reduce things that you might actually want. Is there anything there that might be seen as discretionary that for you guys is a nonnegotiable? You do not want me to look at removing or altering in any way, shape, or form. Yep. That's okay. No. That's okay. I'll have a bit of a look. I'll do it up as a bit of a strategy paper. So it'll essentially say, look. These are a couple of different options on how you can alter your current budget to help pay these debts down, how long it might take you to pay those down, and you can kind of go from there and let me know, you know, what you wanna do. The hardest thing about cash on budgeting, the easy part for me is doing that up for you. The hardest part is implementing it. So moving forward, we can always, you know, check-in and see how you're going and kinda help you out. But that is always honest with everyone. That is the hardest part with cash on budgeting is getting the the strategy back and then implementing it. Because as you said, you've got kids, and life gets in the way, and everything can go upside down at times. But I'll do up the advice for you, and I'll show you what that looks like. As soon as I've got it ready, I'll let you know, and I'll send it to you so you can have a bit of a look at it, and then we can always touch base and have a really good chat around what it looks like, what it is, what it says, and let me know what your thoughts are there as well. Okay? Yeah. It is generally easier to do it on a weekly basis. If you I mean, with my so my my income is sort of the same as yourself. So I get paid one week. My husband is paid another week. So he gets paid it. Natalie, I get paid weekly. It so it kinda does work a little bit the same for myself. I kind of implement everything on a weekly basis, and when he gets paid for it, Natalie, I just move a certain amount of his pay to another account, and I keep that for the following week so I can work everything out completely weekly. It does work out a lot easier that way, but it all just comes down to what you're comfortable with. Obviously, working things out weekly means that you're working out a smaller repayment. It gives you a little bit of leeway. If things change from one week to another, it's easier to kind of factor that in than it is on a fortnightly basis. So the way you are doing it sounds like you are doing it the best way. Yeah. All good. All good. Well, I'll get stuck into that research and have a bit of a look at what I can do. I'll do up a bit of a strategy paper for you with a few options on the cash flow and budgeting and how we can kinda get ZIP loan paid out. The first thing I'll do is send you an email to both of you. If you can just reply back and send me the the the latest statement with the ZIP the ZIP debt amount is how much you currently owe and the interest rates there, I can go back and have a really good look at things for you. And I'll do up that email for you as well for the mortgage broker introduction, and it's up to you guys how you wanna proceed there. It does take me about a week or two to kinda get the strategy paper together and go through and do the research I need on the different options. But as soon as I have it, I'll let you know. I'll send it to you guys, and then we can follow-up and have a chat about it. Okay? All good. That's okay. Do you have any other questions at all about anything or anything that you wanted me to look at for you guys? No? Yep. That's absolutely fine. Yeah. No. That's honestly not a problem at all. You'll also both have my direct email. So if there's anything you need, let me know. Happy for you to email me through and say we need a conversation or you've got some additional questions. It doesn't know what those questions are. It doesn't no question's too silly or too small. If it's in your mind and you wanna answer, the email to me, and I'll see what I can do to help you guys. Okay. That's okay. Thank you so much for your time. I hope you both have a lovely evening. Thanks, guys. See you later. 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Charlene. This is Dana from OT Financial. How are you this afternoon? I'm very well. Thank you.\n\nI had yourself and Travis booked in to have a bit of a chat about your cash flow and budgeting. Is now still a good time there for you? I can. Yeah. Perfect.\n\nHow's your day been? Nice. Nice. Well, I'll tell him to take up too much of your time. I've got your budget planner here, and thank you so much for completing it and sending it back.\n\nBefore I jump into the call, I do have to let you both know we do record our calls for quality and training purposes. Are you okay if we proceed with that? Absolutely. Sorry about that. We do record our calls for quality and training purposes.\n\nAre you happy for us to proceed with that? Yep. Beautiful. And as for the security, I'll just get you to confirm your full name, date of birth, and address I should have on file. Just one of you is fine.\n\nBeautiful. Beautiful. Thank you so much for that. I had a bit of a look through the file there, and I can see you wanted to sort of talk about the the cash on the budget plan. From what I understand, you're wanting to look at just consolidating some things.\n\nBut how can I help you both? What were you sort of after? Yep. Yeah. Absolutely.\n\nWhat's your interest rate you're paying at the moment on those loans on the the mortgages? Nine seven percent. Not a problem at all. Yeah. Because having a bit of a look at things I mean, with the budget plan that you've given me here, having gone kinda gone through it all, you do have a bit of surplus cash available.\n\nSo do you guys kinda work your budget out on a weekly or fortnightly basis? How do you sort of budget for everything? Yep. Yeah. Absolutely.\n\nLooking at the way things are structured because at the moment, based on the budget plan here, you have about a $118 on a weekly basis surplus, but are you sort of finding that it's not really working out that way, that it's a little bit tighter than what it looks like? Yeah. Yeah. Yeah. Yeah.\n\nNo. Understandable. So with them charging interest, what are they charging your interest at on the Zip loan? Are they have they told you what the interest rate is? Yeah.\n\nYou're right. Okay. Yeah. Absolutely. And that interest rate would be certainly higher than what you have on your mortgage or any kind of personal loan.\n\nOkay. Yeah. Yeah. That's basically the same as the sort of interest rate you'd be paying on, like, an unsecured personal loan or something, which is pretty high. And if you're paying that over the next sort of six to eight months, it's definitely gonna impact you.\n\nYou end up paying basically almost double what you probably borrowed in the first place. There's one or sort of two options that we can maybe look at. I could look at doing some personalized advice on helping you to kinda pay down all of these debts, or if you're wanting to sort of look at consolidating, maybe have a look at your mortgage, maybe look at kinda consolidate your debts into one repayment, we could refer you through to one of our local mortgage brokers who are fantastic. They could have a look at your borrowing capacity, look at what it might look like if your loans were all consolidated into one to make it one repayment instead of all, you know, seven repayments. Which way would you sort of prefer to go?\n\nWould you like to look at the more the mortgage broker side of things first and see if you can consolidate everything quicker? Okay. Yeah. Yeah. Yeah.\n\nAbsolutely. Yep. No worries. They want a little bit extra money there. Because the reason I'm sort of suggesting we maybe look at consolidating the Zip money and the Zip loans into your mortgage is that if you're paying a 12 to 13% interest rate there, if your mortgage is only at five or even 6% with the current interest rates that are, you're actually saving the interest.\n\nSo you could technically be lowering the amount you have to repay. Paying a lesser interest rate and consolidating into your mortgage means you're paying it all back at one. It would definitely be beneficial when you pay off those zips to completely close them as well because having them open sort of in time, you'd use them a bit more regularly. But consolidating it into one loan and and including those those ZIP loans and the ZIP payments into your mortgage could have the interest rate realistically, reduce the amount you have to pay back, maybe even free up a little bit of cash for you as well. Because when you go to kinda look at your mortgage and if you're consolidating those mortgage payments and trying to sorta get a bit of top up money, the interest rate that you are paying in those money loans do factor into the servicing, and it could make it harder to service a new loan.\n\nIt is definitely something having a chat with a mortgage broker and maybe looking at the options, have them sort of look at consolidating everything together, including those ZIP loans to show you what the interest rate might look like, how long it might last to pay everything down, what your regular repayment might look like as well. That way, it might free up a little bit of extra cash for you guys. But then you can also get them to do up a bit of a quote and show you what it looks like if you don't consolidate those ZIP loans in there as well just to see what your cash flow looks like or how that might change. Does that make sense? Yeah.\n\nNo. It is it is sort of extending the payment over a longer period of time, but you are paying a lower interest rate. The other option is you try to increase the payments onto that ZIP loan with any extra free cash that you have. Like, if you have an extra 20 or 30 or $50 on a weekly basis, try and smash that in there as much as you possibly can to reduce that debt as quickly as possible. Once that is completely paid off to cancel and close it, that way it's no longer there.\n\nThat frees up that extra money for you, and you can start putting that into your offset account and having it as savings. But it is a very high interest rate. And, I mean, I don't know how they work with the interest rates in those ZIP loans, but they could increase them or change them. They're sort of not normally fixed, and they're normally more variable rate and can increase and decrease depending on the cash rate and things like that. So there is a chance it could go up further in the future.\n\nYeah. Bit of a tough one. Yes. So the other the other side of it, what I could do is I could look at doing some personal advice for you to maybe show you where you might need to or where you could cut back on your budget to free up some extra cash flow and where that could be utilized to help pay down that ZIP loan a bit faster and how that might look for you. It is it can get a little bit drastic depending on how far we need to go or how much you know, how quick you wanna pay that ZIP loan off or what the let you know, what the the total is that you owe at the moment.\n\nBut I am more than happy to do that. If you'd like to, I just have to go back and do a bit more research, get the statements off you to show how much you owe total, what the interest rates are, and do all the math and calculation around that sort of thing. But it's absolutely an option. There's no additional cost to that kind of advice. It's part of what I do as a financial adviser for you.\n\nIt's just sort of one of the two options. The best way to move forward is either to maybe look at speaking to a lender and seeing if you can maybe consolidate the loans and seeing if you can, you know, pay them down quicker that way, or we can do that personalized advice and look at maybe altering your budget, showing you where you might need to cut back to kinda pay that down a bit quicker. It's up to you guys, though. Yeah. Yeah.\n\nYep. That's okay. Yeah. I mean, you the other sort of yeah. Yeah.\n\nYeah. Abs absolutely. Is there a certain time frame? Because is it the ZIP debt that's sort of the one thing you're wanting to pay down quickly as possible free up that cash flow to be able to put to other things like holidays and the mortgage? Yep.\n\nYep. Yeah. No. That's okay. Yeah.\n\nYeah. No. That's okay. Not a problem at all. With the budget planner, as I kinda mentioned before, it does have, that surplus of about a $118 on a weekly basis based on the information I have here.\n\nAre you finding that you do sort of have that amount available, or is it sort of less that you're finding is available at the end of the week when you can sort of consider all of your it's yeah. No. That's okay. Not a problem at all. Not an issue.\n\nWhat I'll do, I know you guys sent through the budget plan. Are you able to send me via that email? Actually, I can email you after this. I'll send you an email from my email address. If you can reply back and send me just the latest statement of the ZIP debt just showing the amount you have owing on both of those, I can go back and do a little bit of an advice document or even just a strategy paper showing you a couple of options on what you could probably do to help pay that down a little bit quicker and give you some advice that way for cash flow and budgeting.\n\nAnd then did you want me to also organize maybe just a referral to the mortgage broker, or did you wanna look at this first? What would you what would you prefer? Yeah. No. Absolutely.\n\nSo mortgage brokers aren't paid by the clients. They're paid by the banks that they write the loans for. So it is completely complimentary to speak to one of our lovely mortgage brokers. Even if you don't wanna include the ZipDebt, you just wanna get the also, I can do this sort of strategy paper, all the advice to show you what your options are with paying that down a bit quicker here. If you're still wanting to look at consolidating your mortgage over, they can run the numbers and look at, you know, whether you've got borrowing capacity and give you a bit of an idea on what the repayments might look like, what the interest rates might look like that the banks are offering, and sort of see if they can help you there with regard to that.\n\nAnd as I mentioned, that's completely complimentary to you guys as well. It's part of our services to refer you across. And if they do the loan, they get paid by the the lender. So yeah. Yeah.\n\nPerfect. With the referral, I send an email to you and to the mortgage broker, and then they tend to email you to organize a day to be able to call and sort of have that initial conversation. Are you comfortable with me providing them with just some basic information, your name, your email address, phone numbers, just some basic information on yourself? Yeah. Beautiful.\n\nAnd would you like the email sent to both of you or just to one of you, or and who would be the most preferred for them to contact? Yep. Yeah. Yep. That's okay.\n\nNot a problem at all. And when I sorta do the the strategy paper and look at sort of the different options that you might have to be able to pay the the ZipDebt back as quickly as possible, I do and I do like to clarify because I do kinda go through and scale your budget, and I might tell you to sort of knock that. That's why I might do it as a strategy paper and give you a couple of different different options and show you how it can work with the budget, because I can get a little bit in-depth and take things away that all reduce things that you might actually want. Is there anything there that might be seen as discretionary that for you guys is a nonnegotiable? You do not want me to look at removing or altering in any way, shape, or form.\n\nYep. That's okay. No. That's okay. I'll have a bit of a look.\n\nI'll do it up as a bit of a strategy paper. So it'll essentially say, look. These are a couple of different options on how you can alter your current budget to help pay these debts down, how long it might take you to pay those down, and you can kind of go from there and let me know, you know, what you wanna do. The hardest thing about cash on budgeting, the easy part for me is doing that up for you. The hardest part is implementing it.\n\nSo moving forward, we can always, you know, check-in and see how you're going and kinda help you out. But that is always honest with everyone. That is the hardest part with cash on budgeting is getting the the strategy back and then implementing it. Because as you said, you've got kids, and life gets in the way, and everything can go upside down at times. But I'll do up the advice for you, and I'll show you what that looks like.\n\nAs soon as I've got it ready, I'll let you know, and I'll send it to you so you can have a bit of a look at it, and then we can always touch base and have a really good chat around what it looks like, what it is, what it says, and let me know what your thoughts are there as well. Okay? Yeah. It is generally easier to do it on a weekly basis. If you I mean, with my so my my income is sort of the same as yourself.\n\nSo I get paid one week. My husband is paid another week. So he gets paid it. Natalie, I get paid weekly. It so it kinda does work a little bit the same for myself.\n\nI kind of implement everything on a weekly basis, and when he gets paid for it, Natalie, I just move a certain amount of his pay to another account, and I keep that for the following week so I can work everything out completely weekly. It does work out a lot easier that way, but it all just comes down to what you're comfortable with. Obviously, working things out weekly means that you're working out a smaller repayment. It gives you a little bit of leeway. If things change from one week to another, it's easier to kind of factor that in than it is on a fortnightly basis.\n\nSo the way you are doing it sounds like you are doing it the best way. Yeah. All good. All good. Well, I'll get stuck into that research and have a bit of a look at what I can do.\n\nI'll do up a bit of a strategy paper for you with a few options on the cash flow and budgeting and how we can kinda get ZIP loan paid out. The first thing I'll do is send you an email to both of you. If you can just reply back and send me the the the latest statement with the ZIP the ZIP debt amount is how much you currently owe and the interest rates there, I can go back and have a really good look at things for you. And I'll do up that email for you as well for the mortgage broker introduction, and it's up to you guys how you wanna proceed there. It does take me about a week or two to kinda get the strategy paper together and go through and do the research I need on the different options.\n\nBut as soon as I have it, I'll let you know. I'll send it to you guys, and then we can follow-up and have a chat about it. Okay? All good. That's okay.\n\nDo you have any other questions at all about anything or anything that you wanted me to look at for you guys? No? Yep. That's absolutely fine. Yeah.\n\nNo. That's honestly not a problem at all. You'll also both have my direct email. So if there's anything you need, let me know. Happy for you to email me through and say we need a conversation or you've got some additional questions.\n\nIt doesn't know what those questions are. It doesn't no question's too silly or too small. If it's in your mind and you wanna answer, the email to me, and I'll see what I can do to help you guys. Okay. That's okay.\n\nThank you so much for your time. I hope you both have a lovely evening. Thanks, guys. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Charlene.","start":2.3999999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.17373086512088776},{"text":"This is Dana from OT Financial.","start":3.1999998,"end":4.9,"sentiment":"neutral","sentiment_score":0.1938222125172615},{"text":"How are you this afternoon?","start":4.96,"end":6.18,"sentiment":"neutral","sentiment_score":0.25096124708652495},{"text":"I'm very well.","start":8.0,"end":8.96,"sentiment":"positive","sentiment_score":0.4881396492322286},{"text":"Thank you.","start":8.96,"end":9.78,"sentiment":"positive","sentiment_score":0.6139007806777954}],"sentiment":"neutral","sentiment_score":0.30319009721279144,"num_words":18,"start":2.3999999,"end":9.78},{"sentences":[{"text":"I had yourself and Travis booked in to have a bit of a chat about your cash flow and budgeting.","start":10.24,"end":15.135,"sentiment":"neutral","sentiment_score":0.2118862695991993},{"text":"Is now still a good time there for you?","start":15.215,"end":17.155,"sentiment":"neutral","sentiment_score":0.32031799852848053},{"text":"I can.","start":20.815,"end":21.295,"sentiment":"neutral","sentiment_score":0.0745876133441925},{"text":"Yeah.","start":21.295,"end":21.615,"sentiment":"neutral","sentiment_score":0.14173537492752075},{"text":"Perfect.","start":21.615,"end":22.095001,"sentiment":"positive","sentiment_score":0.353162944316864}],"sentiment":"neutral","sentiment_score":0.23529275529312366,"num_words":33,"start":10.24,"end":22.095001},{"sentences":[{"text":"How's your day been?","start":22.095001,"end":23.315,"sentiment":"neutral","sentiment_score":0.20536670461297035},{"text":"Nice.","start":28.109999,"end":28.609999,"sentiment":"positive","sentiment_score":0.4084970951080322},{"text":"Nice.","start":28.83,"end":29.31,"sentiment":"neutral","sentiment_score":0.32539841532707214},{"text":"Well, I'll tell him to take up too much of your time.","start":29.31,"end":31.31,"sentiment":"negative","sentiment_score":-0.34092980312804383},{"text":"I've got your budget planner here, and thank you so much for completing it and sending it back.","start":31.31,"end":35.07,"sentiment":"neutral","sentiment_score":0.22237421654992634}],"sentiment":"neutral","sentiment_score":0.04074834970136484,"num_words":36,"start":22.095001,"end":35.07},{"sentences":[{"text":"Before I jump into the call, I do have to let you both know we do record our calls for quality and training purposes.","start":35.15,"end":41.245003,"sentiment":"neutral","sentiment_score":-0.04562455601990223},{"text":"Are you okay if we proceed with that?","start":41.245003,"end":43.105,"sentiment":"neutral","sentiment_score":-0.048033205326646566},{"text":"Absolutely.","start":47.485,"end":47.985,"sentiment":"neutral","sentiment_score":-0.031158430501818657},{"text":"Sorry about that.","start":48.285,"end":49.325,"sentiment":"neutral","sentiment_score":-0.1360135575135549},{"text":"We do record our calls for quality and training purposes.","start":49.325,"end":51.645,"sentiment":"neutral","sentiment_score":0.03679651618003845}],"sentiment":"neutral","sentiment_score":-0.033706281050715756,"num_words":46,"start":35.15,"end":51.645},{"sentences":[{"text":"Are you happy for us to proceed with that?","start":51.645,"end":53.665,"sentiment":"neutral","sentiment_score":0.06880003917548391},{"text":"Yep.","start":54.78,"end":55.1,"sentiment":"neutral","sentiment_score":0.12956419587135315},{"text":"Beautiful.","start":55.1,"end":55.579998,"sentiment":"neutral","sentiment_score":0.32071125507354736},{"text":"And as for the security, I'll just get you to confirm your full name, date of birth, and address I should have on file.","start":55.579998,"end":60.14,"sentiment":"neutral","sentiment_score":0.11651623994112015},{"text":"Just one of you is fine.","start":60.14,"end":61.44,"sentiment":"neutral","sentiment_score":0.10047351382672787}],"sentiment":"neutral","sentiment_score":0.10899284500174405,"num_words":41,"start":51.645,"end":61.44},{"sentences":[{"text":"Beautiful.","start":65.82,"end":66.32,"sentiment":"neutral","sentiment_score":0.09479612857103348},{"text":"Beautiful.","start":67.565,"end":68.065,"sentiment":"neutral","sentiment_score":0.30483269691467285},{"text":"Thank you so much for that.","start":68.125,"end":69.665,"sentiment":"positive","sentiment_score":0.46512341499328613},{"text":"I had a bit of a look through the file there, and I can see you wanted to sort of talk about the the cash on the budget plan.","start":70.205,"end":75.725,"sentiment":"neutral","sentiment_score":0.10640782451835172},{"text":"From what I understand, you're wanting to look at just consolidating some things.","start":75.725,"end":80.38,"sentiment":"neutral","sentiment_score":0.01966013745046579}],"sentiment":"neutral","sentiment_score":0.13063556026667356,"num_words":50,"start":65.82,"end":80.38},{"sentences":[{"text":"But how can I help you both?","start":80.38,"end":81.74,"sentiment":"neutral","sentiment_score":0.08692720851727895},{"text":"What were you sort of after?","start":81.74,"end":83.04,"sentiment":"neutral","sentiment_score":-0.021073738113045692},{"text":"Yep.","start":104.97,"end":105.47,"sentiment":"neutral","sentiment_score":0.17239519953727722},{"text":"Yeah.","start":114.825,"end":115.145,"sentiment":"neutral","sentiment_score":0.13540907204151154},{"text":"Absolutely.","start":115.145,"end":115.645,"sentiment":"neutral","sentiment_score":0.23474068939685824}],"sentiment":"neutral","sentiment_score":0.06403706199489534,"num_words":16,"start":80.38,"end":115.645},{"sentences":[{"text":"What's your interest rate you're paying at the moment on those loans on the the mortgages?","start":116.265,"end":120.365,"sentiment":"neutral","sentiment_score":0.08101039379835129},{"text":"Nine seven percent.","start":123.865,"end":124.925,"sentiment":"neutral","sentiment_score":0.042523289720217385},{"text":"Not a problem at all.","start":124.985,"end":126.525,"sentiment":"neutral","sentiment_score":0.22667976021766661},{"text":"Yeah.","start":127.159996,"end":127.32,"sentiment":"neutral","sentiment_score":0.16886965930461884},{"text":"Because having a bit of a look at things I mean, with the budget plan that you've given me here, having gone kinda gone through it all, you do have a bit of surplus cash available.","start":127.32,"end":136.14,"sentiment":"neutral","sentiment_score":0.13067087489697668}],"sentiment":"neutral","sentiment_score":0.12180583814128501,"num_words":61,"start":116.265,"end":136.14},{"sentences":[{"text":"So do you guys kinda work your budget out on a weekly or fortnightly basis?","start":136.36,"end":140.44,"sentiment":"neutral","sentiment_score":0.11237080171704292},{"text":"How do you sort of budget for everything?","start":140.44,"end":142.64499,"sentiment":"neutral","sentiment_score":0.04624798474833369},{"text":"Yep.","start":152.86499,"end":153.36499,"sentiment":"neutral","sentiment_score":0.20419704914093015},{"text":"Yeah.","start":154.51,"end":154.99,"sentiment":"neutral","sentiment_score":0.1262042671442032},{"text":"Absolutely.","start":154.99,"end":155.49,"sentiment":"neutral","sentiment_score":0.1627027690410614}],"sentiment":"neutral","sentiment_score":0.098024999579558,"num_words":26,"start":136.36,"end":155.49},{"sentences":[{"text":"Looking at the way things are structured because at the moment, based on the budget plan here, you have about a $118 on a weekly basis surplus, but are you sort of finding that it's not really working out that way, that it's a little bit tighter than what it looks like?","start":156.83,"end":169.09,"sentiment":"neutral","sentiment_score":-0.19478232435022408},{"text":"Yeah.","start":188.56999,"end":189.06999,"sentiment":"neutral","sentiment_score":-0.1390720009803772},{"text":"Yeah.","start":194.34499,"end":194.84499,"sentiment":"neutral","sentiment_score":-0.12129207700490952},{"text":"Yeah.","start":207.24,"end":207.74,"sentiment":"neutral","sentiment_score":-0.12398146092891692},{"text":"Yeah.","start":210.36,"end":210.86,"sentiment":"neutral","sentiment_score":-0.179793119430542}],"sentiment":"neutral","sentiment_score":-0.19094320579564997,"num_words":56,"start":156.83,"end":210.86},{"sentences":[{"text":"No.","start":210.92001,"end":211.24,"sentiment":"neutral","sentiment_score":-0.28890061378479004},{"text":"Understandable.","start":211.24,"end":211.74,"sentiment":"neutral","sentiment_score":-0.16045571863651276},{"text":"So with them charging interest, what are they charging your interest at on the Zip loan?","start":212.04001,"end":216.04001,"sentiment":"neutral","sentiment_score":-0.047721879091113806},{"text":"Are they have they told you what the interest rate is?","start":216.04001,"end":218.415,"sentiment":"neutral","sentiment_score":-0.06143645163286816},{"text":"Yeah.","start":220.97499,"end":221.215,"sentiment":"neutral","sentiment_score":0.027432404458522797}],"sentiment":"neutral","sentiment_score":-0.062042498712738356,"num_words":30,"start":210.92001,"end":221.215},{"sentences":[{"text":"You're right.","start":221.215,"end":222.03499,"sentiment":"neutral","sentiment_score":0.05582522042095661},{"text":"Okay.","start":228.495,"end":228.995,"sentiment":"neutral","sentiment_score":0.07617650926113129},{"text":"Yeah.","start":244.365,"end":244.865,"sentiment":"neutral","sentiment_score":-0.07859472185373306},{"text":"Absolutely.","start":248.285,"end":248.785,"sentiment":"neutral","sentiment_score":-0.07671977579593658},{"text":"And that interest rate would be certainly higher than what you have on your mortgage or any kind of personal loan.","start":249.005,"end":253.585,"sentiment":"neutral","sentiment_score":-0.2147486993954295}],"sentiment":"neutral","sentiment_score":-0.17220039364810175,"num_words":26,"start":221.215,"end":253.585},{"sentences":[{"text":"Okay.","start":257.9,"end":258.30002,"sentiment":"neutral","sentiment_score":-0.14468491077423096},{"text":"Yeah.","start":258.30002,"end":258.80002,"sentiment":"neutral","sentiment_score":-0.10921496897935867},{"text":"Yeah.","start":259.26,"end":259.76,"sentiment":"neutral","sentiment_score":-0.16204267740249634},{"text":"That's basically the same as the sort of interest rate you'd be paying on, like, an unsecured personal loan or something, which is pretty high.","start":259.82,"end":266.4,"sentiment":"negative","sentiment_score":-0.3526965987682342},{"text":"And if you're paying that over the next sort of six to eight months, it's definitely gonna impact you.","start":266.665,"end":270.505,"sentiment":"negative","sentiment_score":-0.4944644962486468}],"sentiment":"negative","sentiment_score":-0.39634431819332405,"num_words":47,"start":257.9,"end":270.505},{"sentences":[{"text":"You end up paying basically almost double what you probably borrowed in the first place.","start":270.505,"end":275.085,"sentiment":"negative","sentiment_score":-0.4435119032859802},{"text":"There's one or sort of two options that we can maybe look at.","start":276.185,"end":278.91,"sentiment":"neutral","sentiment_score":-0.05519610586074682},{"text":"I could look at doing some personalized advice on helping you to kinda pay down all of these debts, or if you're wanting to sort of look at consolidating, maybe have a look at your mortgage, maybe look at kinda consolidate your debts into one repayment, we could refer you through to one of our local mortgage brokers who are fantastic.","start":279.15,"end":296.505,"sentiment":"neutral","sentiment_score":0.2502546610890842},{"text":"They could have a look at your borrowing capacity, look at what it might look like if your loans were all consolidated into one to make it one repayment instead of all, you know, seven repayments.","start":296.64502,"end":306.185,"sentiment":"neutral","sentiment_score":0.2801908858948284},{"text":"Which way would you sort of prefer to go?","start":307.75998,"end":309.68,"sentiment":"neutral","sentiment_score":0.17441893948449028}],"sentiment":"neutral","sentiment_score":0.14591006528752953,"num_words":134,"start":270.505,"end":309.68},{"sentences":[{"text":"Would you like to look at the more the mortgage broker side of things first and see if you can consolidate everything quicker?","start":309.68,"end":315.13998,"sentiment":"neutral","sentiment_score":0.13136130862909814},{"text":"Okay.","start":319.855,"end":320.355,"sentiment":"neutral","sentiment_score":-0.06285661458969116},{"text":"Yeah.","start":321.45502,"end":321.95502,"sentiment":"neutral","sentiment_score":0.01349930465221405},{"text":"Yeah.","start":336.27,"end":336.77,"sentiment":"neutral","sentiment_score":0.06563158333301544},{"text":"Yeah.","start":346.92502,"end":347.325,"sentiment":"neutral","sentiment_score":0.10100148618221284}],"sentiment":"neutral","sentiment_score":0.11624392066840772,"num_words":27,"start":309.68,"end":347.325},{"sentences":[{"text":"Absolutely.","start":347.325,"end":347.825,"sentiment":"neutral","sentiment_score":0.22428277134895325},{"text":"Yep.","start":361.25998,"end":361.74,"sentiment":"neutral","sentiment_score":0.18190255761146543},{"text":"No worries.","start":361.74,"end":362.22,"sentiment":"neutral","sentiment_score":0.20485690981149673},{"text":"They want a little bit extra money there.","start":362.22,"end":363.5,"sentiment":"neutral","sentiment_score":0.12480903882533312},{"text":"Because the reason I'm sort of suggesting we maybe look at consolidating the Zip money and the Zip loans into your mortgage is that if you're paying a 12 to 13% interest rate there, if your mortgage is only at five or even 6% with the current interest rates that are, you're actually saving the interest.","start":363.5,"end":379.605,"sentiment":"neutral","sentiment_score":0.24389127615307057}],"sentiment":"neutral","sentiment_score":0.22753357240820632,"num_words":68,"start":347.325,"end":379.605},{"sentences":[{"text":"So you could technically be lowering the amount you have to repay.","start":379.605,"end":383.21002,"sentiment":"neutral","sentiment_score":0.2783870631828904},{"text":"Paying a lesser interest rate and consolidating into your mortgage means you're paying it all back at one.","start":383.35,"end":388.33002,"sentiment":"neutral","sentiment_score":0.18820417920748392},{"text":"It would definitely be beneficial when you pay off those zips to completely close them as well because having them open sort of in time, you'd use them a bit more regularly.","start":388.55002,"end":397.02502,"sentiment":"positive","sentiment_score":0.4253502730280161},{"text":"But consolidating it into one loan and and including those those ZIP loans and the ZIP payments into your mortgage could have the interest rate realistically, reduce the amount you have to pay back, maybe even free up a little bit of cash for you as well.","start":397.565,"end":411.66,"sentiment":"positive","sentiment_score":0.398416668493697},{"text":"Because when you go to kinda look at your mortgage and if you're consolidating those mortgage payments and trying to sorta get a bit of top up money, the interest rate that you are paying in those money loans do factor into the servicing, and it could make it harder to service a new loan.","start":411.98,"end":427.17502,"sentiment":"neutral","sentiment_score":-0.1239679807627743}],"sentiment":"neutral","sentiment_score":0.196627275598031,"num_words":164,"start":379.605,"end":427.17502},{"sentences":[{"text":"It is definitely something having a chat with a mortgage broker and maybe looking at the options, have them sort of look at consolidating everything together, including those ZIP loans to show you what the interest rate might look like, how long it might last to pay everything down, what your regular repayment might look like as well.","start":427.795,"end":444.07,"sentiment":"neutral","sentiment_score":0.17754567735667887},{"text":"That way, it might free up a little bit of extra cash for you guys.","start":444.07,"end":447.69,"sentiment":"positive","sentiment_score":0.45713989933331806},{"text":"But then you can also get them to do up a bit of a quote and show you what it looks like if you don't consolidate those ZIP loans in there as well just to see what your cash flow looks like or how that might change.","start":448.23,"end":457.335,"sentiment":"neutral","sentiment_score":0.19488857829190315},{"text":"Does that make sense?","start":457.335,"end":458.395,"sentiment":"neutral","sentiment_score":0.12285298854112625},{"text":"Yeah.","start":468.15,"end":468.55002,"sentiment":"neutral","sentiment_score":0.032271552830934525}],"sentiment":"neutral","sentiment_score":0.21470555570721625,"num_words":125,"start":427.795,"end":468.55002},{"sentences":[{"text":"No.","start":468.55002,"end":468.79,"sentiment":"neutral","sentiment_score":0.017395004630088806},{"text":"It is it is sort of extending the payment over a longer period of time, but you are paying a lower interest rate.","start":468.79,"end":474.07,"sentiment":"neutral","sentiment_score":0.10549696210933768},{"text":"The other option is you try to increase the payments onto that ZIP loan with any extra free cash that you have.","start":474.07,"end":479.845,"sentiment":"neutral","sentiment_score":0.23225850611925125},{"text":"Like, if you have an extra 20 or 30 or $50 on a weekly basis, try and smash that in there as much as you possibly can to reduce that debt as quickly as possible.","start":479.845,"end":488.505,"sentiment":"neutral","sentiment_score":0.3230304547718593},{"text":"Once that is completely paid off to cancel and close it, that way it's no longer there.","start":489.125,"end":494.98,"sentiment":"neutral","sentiment_score":0.17099870325011365}],"sentiment":"neutral","sentiment_score":0.22210771571464685,"num_words":98,"start":468.55002,"end":494.98},{"sentences":[{"text":"That frees up that extra money for you, and you can start putting that into your offset account and having it as savings.","start":495.12,"end":500.82,"sentiment":"positive","sentiment_score":0.6309991504835046},{"text":"But it is a very high interest rate.","start":501.44,"end":503.62,"sentiment":"neutral","sentiment_score":-0.23084289859980345},{"text":"And, I mean, I don't know how they work with the interest rates in those ZIP loans, but they could increase them or change them.","start":503.68,"end":509.525,"sentiment":"neutral","sentiment_score":-0.1954170608520508},{"text":"They're sort of not normally fixed, and they're normally more variable rate and can increase and decrease depending on the cash rate and things like that.","start":509.525,"end":517.52496,"sentiment":"neutral","sentiment_score":-0.20529417063181216},{"text":"So there is a chance it could go up further in the future.","start":517.52496,"end":520.105,"sentiment":"neutral","sentiment_score":-0.1373760041136008}],"sentiment":"neutral","sentiment_score":0.006918676432810331,"num_words":95,"start":495.12,"end":520.105},{"sentences":[{"text":"Yeah.","start":522.8,"end":523.3,"sentiment":"neutral","sentiment_score":-0.017050299793481827},{"text":"Bit of a tough one.","start":524.24,"end":525.3,"sentiment":"neutral","sentiment_score":-0.1163879692554474},{"text":"Yes.","start":532.815,"end":533.135,"sentiment":"neutral","sentiment_score":0.05505235120654106},{"text":"So the other the other side of it, what I could do is I could look at doing some personal advice for you to maybe show you where you might need to or where you could cut back on your budget to free up some extra cash flow and where that could be utilized to help pay down that ZIP loan a bit faster and how that might look for you.","start":533.135,"end":551.16,"sentiment":"neutral","sentiment_score":0.16903700590343543},{"text":"It is it can get a little bit drastic depending on how far we need to go or how much you know, how quick you wanna pay that ZIP loan off or what the let you know, what the the total is that you owe at the moment.","start":551.7,"end":562.91504,"sentiment":"neutral","sentiment_score":-0.126801181351766}],"sentiment":"neutral","sentiment_score":0.042628832693610876,"num_words":126,"start":522.8,"end":562.91504},{"sentences":[{"text":"But I am more than happy to do that.","start":564.335,"end":566.655,"sentiment":"positive","sentiment_score":0.5113493667708503},{"text":"If you'd like to, I just have to go back and do a bit more research, get the statements off you to show how much you owe total, what the interest rates are, and do all the math and calculation around that sort of thing.","start":566.655,"end":577.08,"sentiment":"neutral","sentiment_score":0.20834019167555703},{"text":"But it's absolutely an option.","start":577.3,"end":578.5,"sentiment":"positive","sentiment_score":0.5236848950386047},{"text":"There's no additional cost to that kind of advice.","start":578.5,"end":580.82,"sentiment":"positive","sentiment_score":0.5036624603801303},{"text":"It's part of what I do as a financial adviser for you.","start":580.82,"end":583.95996,"sentiment":"positive","sentiment_score":0.43486815442641574}],"sentiment":"neutral","sentiment_score":0.3293407174758613,"num_words":80,"start":564.335,"end":583.95996},{"sentences":[{"text":"It's just sort of one of the two options.","start":584.42,"end":586.27997,"sentiment":"neutral","sentiment_score":0.2784922305080626},{"text":"The best way to move forward is either to maybe look at speaking to a lender and seeing if you can maybe consolidate the loans and seeing if you can, you know, pay them down quicker that way, or we can do that personalized advice and look at maybe altering your budget, showing you where you might need to cut back to kinda pay that down a bit quicker.","start":586.505,"end":604.74005,"sentiment":"neutral","sentiment_score":0.2649516544264296},{"text":"It's up to you guys, though.","start":605.04004,"end":606.64,"sentiment":"neutral","sentiment_score":0.13633667677640915},{"text":"Yeah.","start":606.64,"end":607.14,"sentiment":"neutral","sentiment_score":0.05360160022974014},{"text":"Yeah.","start":625.055,"end":625.555,"sentiment":"neutral","sentiment_score":0.10028943419456482}],"sentiment":"neutral","sentiment_score":0.2530233177334763,"num_words":86,"start":584.42,"end":625.555},{"sentences":[{"text":"Yep.","start":625.695,"end":626.195,"sentiment":"neutral","sentiment_score":0.1300540268421173},{"text":"That's okay.","start":626.99,"end":627.81,"sentiment":"neutral","sentiment_score":0.30526936054229736},{"text":"Yeah.","start":627.87,"end":628.19,"sentiment":"neutral","sentiment_score":0.1854359805583954},{"text":"I mean, you the other sort of yeah.","start":628.19,"end":637.73,"sentiment":"neutral","sentiment_score":0.07470207056030631},{"text":"Yeah.","start":641.165,"end":641.665,"sentiment":"neutral","sentiment_score":0.00047969259321689606}],"sentiment":"neutral","sentiment_score":0.11724038350467499,"num_words":13,"start":625.695,"end":641.665},{"sentences":[{"text":"Yeah.","start":645.005,"end":645.505,"sentiment":"neutral","sentiment_score":0.11098244786262512},{"text":"Abs absolutely.","start":646.28503,"end":647.825,"sentiment":"neutral","sentiment_score":0.030181415379047394},{"text":"Is there a certain time frame?","start":648.28503,"end":649.805,"sentiment":"neutral","sentiment_score":0.027416762275000412},{"text":"Because is it the ZIP debt that's sort of the one thing you're wanting to pay down quickly as possible free up that cash flow to be able to put to other things like holidays and the mortgage?","start":649.805,"end":658.78,"sentiment":"neutral","sentiment_score":0.03425858255573794},{"text":"Yep.","start":659.16003,"end":659.66003,"sentiment":"neutral","sentiment_score":0.08345293998718262}],"sentiment":"neutral","sentiment_score":0.035856769361998886,"num_words":48,"start":645.005,"end":659.66003},{"sentences":[{"text":"Yep.","start":659.72003,"end":660.22003,"sentiment":"neutral","sentiment_score":0.01507163979113102},{"text":"Yeah.","start":665.01495,"end":665.51495,"sentiment":"neutral","sentiment_score":-0.014691218733787537},{"text":"No.","start":665.57495,"end":665.815,"sentiment":"neutral","sentiment_score":-0.08130520582199097},{"text":"That's okay.","start":665.815,"end":666.63495,"sentiment":"neutral","sentiment_score":-0.0430402010679245},{"text":"Yeah.","start":667.975,"end":668.475,"sentiment":"neutral","sentiment_score":-0.04014354944229126}],"sentiment":"neutral","sentiment_score":-0.034524789390464626,"num_words":6,"start":659.72003,"end":668.475},{"sentences":[{"text":"Yeah.","start":679.67,"end":680.07,"sentiment":"neutral","sentiment_score":0.03544819727540016},{"text":"No.","start":680.07,"end":680.31,"sentiment":"neutral","sentiment_score":0.025926489382982257},{"text":"That's okay.","start":680.31,"end":681.11,"sentiment":"neutral","sentiment_score":0.10388335585594177},{"text":"Not a problem at all.","start":681.11,"end":682.39,"sentiment":"neutral","sentiment_score":0.22791725993156434},{"text":"With the budget planner, as I kinda mentioned before, it does have, that surplus of about a $118 on a weekly basis based on the information I have here.","start":682.55,"end":691.305,"sentiment":"neutral","sentiment_score":0.08961681944542918}],"sentiment":"neutral","sentiment_score":0.10546356478804036,"num_words":38,"start":679.67,"end":691.305},{"sentences":[{"text":"Are you finding that you do sort of have that amount available, or is it sort of less that you're finding is available at the end of the week when you can sort of consider all of your it's yeah.","start":691.46497,"end":712.84,"sentiment":"neutral","sentiment_score":-0.01860073897987604},{"text":"No.","start":712.84,"end":713.0,"sentiment":"neutral","sentiment_score":0.001935586333274841},{"text":"That's okay.","start":713.0,"end":713.8,"sentiment":"neutral","sentiment_score":0.10380188748240471},{"text":"Not a problem at all.","start":713.8,"end":714.92,"sentiment":"neutral","sentiment_score":0.2644884079694748},{"text":"Not an issue.","start":714.92,"end":715.82,"sentiment":"neutral","sentiment_score":0.11709802349408467}],"sentiment":"neutral","sentiment_score":0.02233815514573864,"num_words":51,"start":691.46497,"end":715.82},{"sentences":[{"text":"What I'll do, I know you guys sent through the budget plan.","start":715.875,"end":718.775,"sentiment":"neutral","sentiment_score":0.06975341029465199},{"text":"Are you able to send me via that email?","start":719.075,"end":722.295,"sentiment":"neutral","sentiment_score":0.03841755332218276},{"text":"Actually, I can email you after this.","start":722.835,"end":724.195,"sentiment":"neutral","sentiment_score":0.10460043166364942},{"text":"I'll send you an email from my email address.","start":724.195,"end":726.035,"sentiment":"neutral","sentiment_score":0.1288061108854082},{"text":"If you can reply back and send me just the latest statement of the ZIP debt just showing the amount you have owing on both of those, I can go back and do a little bit of an advice document or even just a strategy paper showing you a couple of options on what you could probably do to help pay that down a little bit quicker and give you some advice that way for cash flow and budgeting.","start":726.035,"end":746.39496,"sentiment":"neutral","sentiment_score":0.20502032745110838}],"sentiment":"neutral","sentiment_score":0.16612812751454525,"num_words":116,"start":715.875,"end":746.39496},{"sentences":[{"text":"And then did you want me to also organize maybe just a referral to the mortgage broker, or did you wanna look at this first?","start":747.495,"end":753.415,"sentiment":"neutral","sentiment_score":0.06751274064183235},{"text":"What would you what would you prefer?","start":753.415,"end":755.115,"sentiment":"neutral","sentiment_score":0.0347430660788502},{"text":"Yeah.","start":761.24005,"end":761.74005,"sentiment":"neutral","sentiment_score":0.014692487195134165},{"text":"No.","start":762.44,"end":762.76,"sentiment":"neutral","sentiment_score":-0.031694766134023666},{"text":"Absolutely.","start":762.76,"end":763.26,"sentiment":"neutral","sentiment_score":0.07844232022762299}],"sentiment":"neutral","sentiment_score":0.05692742913961411,"num_words":35,"start":747.495,"end":763.26},{"sentences":[{"text":"So mortgage brokers aren't paid by the clients.","start":763.48004,"end":765.56,"sentiment":"neutral","sentiment_score":0.013787047937512398},{"text":"They're paid by the banks that they write the loans for.","start":765.56,"end":767.56,"sentiment":"neutral","sentiment_score":0.035242577168074524},{"text":"So it is completely complimentary to speak to one of our lovely mortgage brokers.","start":767.56,"end":771.18005,"sentiment":"positive","sentiment_score":0.41572559092726025},{"text":"Even if you don't wanna include the ZipDebt, you just wanna get the also, I can do this sort of strategy paper, all the advice to show you what your options are with paying that down a bit quicker here.","start":771.735,"end":781.195,"sentiment":"neutral","sentiment_score":0.19889082461595536},{"text":"If you're still wanting to look at consolidating your mortgage over, they can run the numbers and look at, you know, whether you've got borrowing capacity and give you a bit of an idea on what the repayments might look like, what the interest rates might look like that the banks are offering, and sort of see if they can help you there with regard to that.","start":781.415,"end":796.67004,"sentiment":"neutral","sentiment_score":0.16878283602088245}],"sentiment":"neutral","sentiment_score":0.1827300428811993,"num_words":140,"start":763.48004,"end":796.67004},{"sentences":[{"text":"And as I mentioned, that's completely complimentary to you guys as well.","start":796.81,"end":799.905,"sentiment":"positive","sentiment_score":0.5834824790557226},{"text":"It's part of our services to refer you across.","start":799.905,"end":802.22504,"sentiment":"positive","sentiment_score":0.4456873569223616},{"text":"And if they do the loan, they get paid by the the lender.","start":802.22504,"end":805.205,"sentiment":"neutral","sentiment_score":0.24818684046085066},{"text":"So yeah.","start":805.34503,"end":808.485,"sentiment":"neutral","sentiment_score":0.3305854797363281},{"text":"Yeah.","start":808.545,"end":808.945,"sentiment":"positive","sentiment_score":0.4711320400238037}],"sentiment":"positive","sentiment_score":0.4154515644988498,"num_words":37,"start":796.81,"end":808.945},{"sentences":[{"text":"Perfect.","start":808.945,"end":809.445,"sentiment":"positive","sentiment_score":0.6622424125671387},{"text":"With the referral, I send an email to you and to the mortgage broker, and then they tend to email you to organize a day to be able to call and sort of have that initial conversation.","start":809.905,"end":819.97003,"sentiment":"neutral","sentiment_score":0.30229298085779754},{"text":"Are you comfortable with me providing them with just some basic information, your name, your email address, phone numbers, just some basic information on yourself?","start":820.43,"end":828.345,"sentiment":"neutral","sentiment_score":0.09915344536304474},{"text":"Yeah.","start":828.485,"end":828.88495,"sentiment":"neutral","sentiment_score":0.12143774330615996},{"text":"Beautiful.","start":828.88495,"end":829.38495,"sentiment":"positive","sentiment_score":0.4929128289222718}],"sentiment":"neutral","sentiment_score":0.2298502986247723,"num_words":65,"start":808.945,"end":829.38495},{"sentences":[{"text":"And would you like the email sent to both of you or just to one of you, or and who would be the most preferred for them to contact?","start":829.685,"end":836.26495,"sentiment":"neutral","sentiment_score":0.11616313046422498},{"text":"Yep.","start":840.89996,"end":841.39996,"sentiment":"neutral","sentiment_score":0.025613412261009216},{"text":"Yeah.","start":848.66,"end":849.14,"sentiment":"neutral","sentiment_score":0.08199594169855118},{"text":"Yep.","start":849.14,"end":849.45996,"sentiment":"neutral","sentiment_score":0.0869869589805603},{"text":"That's okay.","start":849.45996,"end":850.26,"sentiment":"neutral","sentiment_score":0.17240843921899796}],"sentiment":"neutral","sentiment_score":0.11494541102472473,"num_words":34,"start":829.685,"end":850.26},{"sentences":[{"text":"Not a problem at all.","start":850.26,"end":851.64,"sentiment":"neutral","sentiment_score":0.17061873972415925},{"text":"And when I sorta do the the strategy paper and look at sort of the different options that you might have to be able to pay the the ZipDebt back as quickly as possible, I do and I do like to clarify because I do kinda go through and scale your budget, and I might tell you to sort of knock that.","start":852.335,"end":866.41003,"sentiment":"neutral","sentiment_score":0.11105876956735888},{"text":"That's why I might do it as a strategy paper and give you a couple of different different options and show you how it can work with the budget, because I can get a little bit in-depth and take things away that all reduce things that you might actually want.","start":866.41003,"end":878.325,"sentiment":"neutral","sentiment_score":0.1532845426350832},{"text":"Is there anything there that might be seen as discretionary that for you guys is a nonnegotiable?","start":878.565,"end":882.825,"sentiment":"neutral","sentiment_score":-0.02674595091272803},{"text":"You do not want me to look at removing or altering in any way, shape, or form.","start":883.205,"end":887.305,"sentiment":"neutral","sentiment_score":-0.12252360385130434}],"sentiment":"neutral","sentiment_score":0.0852012060434613,"num_words":151,"start":850.26,"end":887.305},{"sentences":[{"text":"Yep.","start":891.54004,"end":892.04004,"sentiment":"neutral","sentiment_score":0.09982053935527802},{"text":"That's okay.","start":892.9,"end":893.80005,"sentiment":"neutral","sentiment_score":0.10209989175200462},{"text":"No.","start":897.22003,"end":897.54004,"sentiment":"neutral","sentiment_score":-0.02095773071050644},{"text":"That's okay.","start":897.54004,"end":898.26,"sentiment":"neutral","sentiment_score":0.013186624273657799},{"text":"I'll have a bit of a look.","start":898.26,"end":899.14,"sentiment":"neutral","sentiment_score":0.04196279762046678}],"sentiment":"neutral","sentiment_score":0.04639810954148953,"num_words":13,"start":891.54004,"end":899.14},{"sentences":[{"text":"I'll do it up as a bit of a strategy paper.","start":899.14,"end":901.06,"sentiment":"neutral","sentiment_score":0.29478639499707654},{"text":"So it'll essentially say, look.","start":901.06,"end":902.42004,"sentiment":"neutral","sentiment_score":0.2139948546886444},{"text":"These are a couple of different options on how you can alter your current budget to help pay these debts down, how long it might take you to pay those down, and you can kind of go from there and let me know, you know, what you wanna do.","start":902.42004,"end":915.415,"sentiment":"positive","sentiment_score":0.33897289025540256},{"text":"The hardest thing about cash on budgeting, the easy part for me is doing that up for you.","start":915.415,"end":919.70996,"sentiment":"neutral","sentiment_score":0.023333614588611655},{"text":"The hardest part is implementing it.","start":919.70996,"end":921.89,"sentiment":"neutral","sentiment_score":-0.10753977919618289}],"sentiment":"neutral","sentiment_score":0.23255126548700789,"num_words":89,"start":899.14,"end":921.89},{"sentences":[{"text":"So moving forward, we can always, you know, check-in and see how you're going and kinda help you out.","start":922.19,"end":926.69,"sentiment":"neutral","sentiment_score":0.2593708226555272},{"text":"But that is always honest with everyone.","start":926.91,"end":928.83,"sentiment":"neutral","sentiment_score":0.0867486053279468},{"text":"That is the hardest part with cash on budgeting is getting the the strategy back and then implementing it.","start":928.83,"end":933.95,"sentiment":"neutral","sentiment_score":-0.2154993187440069},{"text":"Because as you said, you've got kids, and life gets in the way, and everything can go upside down at times.","start":933.95,"end":939.625,"sentiment":"neutral","sentiment_score":-0.3285593475614275},{"text":"But I'll do up the advice for you, and I'll show you what that looks like.","start":940.645,"end":943.84503,"sentiment":"positive","sentiment_score":0.38478233478963375}],"sentiment":"neutral","sentiment_score":0.008506949627544821,"num_words":82,"start":922.19,"end":943.84503},{"sentences":[{"text":"As soon as I've got it ready, I'll let you know, and I'll send it to you so you can have a bit of a look at it, and then we can always touch base and have a really good chat around what it looks like, what it is, what it says, and let me know what your thoughts are there as well.","start":943.84503,"end":956.72003,"sentiment":"positive","sentiment_score":0.44062744151978267},{"text":"Okay?","start":956.72003,"end":957.22003,"sentiment":"neutral","sentiment_score":0.226654589176178},{"text":"Yeah.","start":973.71,"end":973.95,"sentiment":"neutral","sentiment_score":0.2467358559370041},{"text":"It is generally easier to do it on a weekly basis.","start":973.95,"end":976.61,"sentiment":"neutral","sentiment_score":0.33048598874698987},{"text":"If you I mean, with my so my my income is sort of the same as yourself.","start":977.23,"end":981.47,"sentiment":"neutral","sentiment_score":0.22853339156683752}],"sentiment":"positive","sentiment_score":0.3844444386420711,"num_words":93,"start":943.84503,"end":981.47},{"sentences":[{"text":"So I get paid one week.","start":981.47,"end":982.91,"sentiment":"neutral","sentiment_score":0.20664862046639124},{"text":"My husband is paid another week.","start":982.91,"end":984.61,"sentiment":"neutral","sentiment_score":0.2052487557133039},{"text":"So he gets paid it.","start":984.75,"end":985.775,"sentiment":"neutral","sentiment_score":0.2431038200855255},{"text":"Natalie, I get paid weekly.","start":985.775,"end":987.155,"sentiment":"neutral","sentiment_score":0.253353351354599},{"text":"It so it kinda does work a little bit the same for myself.","start":987.695,"end":990.355,"sentiment":"positive","sentiment_score":0.36573921602505904}],"sentiment":"neutral","sentiment_score":0.2773794263601303,"num_words":35,"start":981.47,"end":990.355},{"sentences":[{"text":"I kind of implement everything on a weekly basis, and when he gets paid for it, Natalie, I just move a certain amount of his pay to another account, and I keep that for the following week so I can work everything out completely weekly.","start":990.655,"end":1002.21,"sentiment":"neutral","sentiment_score":0.15883965012100007},{"text":"It does work out a lot easier that way, but it all just comes down to what you're comfortable with.","start":1002.67004,"end":1008.51,"sentiment":"positive","sentiment_score":0.3715721443295479},{"text":"Obviously, working things out weekly means that you're working out a smaller repayment.","start":1008.51,"end":1012.05005,"sentiment":"neutral","sentiment_score":0.29314829409122467},{"text":"It gives you a little bit of leeway.","start":1012.515,"end":1013.79504,"sentiment":"neutral","sentiment_score":0.28595020622015},{"text":"If things change from one week to another, it's easier to kind of factor that in than it is on a fortnightly basis.","start":1013.79504,"end":1020.85504,"sentiment":"neutral","sentiment_score":0.23975312515445377}],"sentiment":"neutral","sentiment_score":0.24029429810583045,"num_words":109,"start":990.655,"end":1020.85504},{"sentences":[{"text":"So the way you are doing it sounds like you are doing it the best way.","start":1020.91504,"end":1024.375,"sentiment":"neutral","sentiment_score":0.32591061014682055},{"text":"Yeah.","start":1026.37,"end":1026.87,"sentiment":"neutral","sentiment_score":0.2873545289039612},{"text":"All good.","start":1027.3301,"end":1028.0701,"sentiment":"positive","sentiment_score":0.5260697901248932},{"text":"All good.","start":1028.93,"end":1029.3301,"sentiment":"positive","sentiment_score":0.5075852423906326},{"text":"Well, I'll get stuck into that research and have a bit of a look at what I can do.","start":1029.3301,"end":1032.2101,"sentiment":"neutral","sentiment_score":0.2027620908461119}],"sentiment":"neutral","sentiment_score":0.2855428520590067,"num_words":40,"start":1020.91504,"end":1032.2101},{"sentences":[{"text":"I'll do up a bit of a strategy paper for you with a few options on the cash flow and budgeting and how we can kinda get ZIP loan paid out.","start":1032.2101,"end":1038.755,"sentiment":"neutral","sentiment_score":0.14519717568351376},{"text":"The first thing I'll do is send you an email to both of you.","start":1038.755,"end":1041.5549,"sentiment":"neutral","sentiment_score":0.12029326174940382},{"text":"If you can just reply back and send me the the the latest statement with the ZIP the ZIP debt amount is how much you currently owe and the interest rates there, I can go back and have a really good look at things for you.","start":1041.5549,"end":1053.495,"sentiment":"neutral","sentiment_score":0.15727315697333086},{"text":"And I'll do up that email for you as well for the mortgage broker introduction, and it's up to you guys how you wanna proceed there.","start":1053.99,"end":1060.39,"sentiment":"neutral","sentiment_score":0.18617791109360182},{"text":"It does take me about a week or two to kinda get the strategy paper together and go through and do the research I need on the different options.","start":1060.39,"end":1066.5701,"sentiment":"neutral","sentiment_score":0.14172658067325067}],"sentiment":"neutral","sentiment_score":0.1532224647904912,"num_words":146,"start":1032.2101,"end":1066.5701},{"sentences":[{"text":"But as soon as I have it, I'll let you know.","start":1067.035,"end":1068.875,"sentiment":"neutral","sentiment_score":0.12176908281716434},{"text":"I'll send it to you guys, and then we can follow-up and have a chat about it.","start":1068.875,"end":1072.235,"sentiment":"neutral","sentiment_score":0.13271341998787486},{"text":"Okay?","start":1072.235,"end":1072.735,"sentiment":"neutral","sentiment_score":0.11993831396102904},{"text":"All good.","start":1074.635,"end":1075.1951,"sentiment":"positive","sentiment_score":0.47899292409420013},{"text":"That's okay.","start":1075.1951,"end":1075.915,"sentiment":"neutral","sentiment_score":0.31122641265392303}],"sentiment":"neutral","sentiment_score":0.16048378903757443,"num_words":33,"start":1067.035,"end":1075.915},{"sentences":[{"text":"Do you have any other questions at all about anything or anything that you wanted me to look at for you guys?","start":1075.915,"end":1081.455,"sentiment":"neutral","sentiment_score":0.14861483668739145},{"text":"No?","start":1083.6001,"end":1084.1001,"sentiment":"neutral","sentiment_score":-0.03722631186246872},{"text":"Yep.","start":1087.4401,"end":1087.9401,"sentiment":"neutral","sentiment_score":0.05389804393053055},{"text":"That's absolutely fine.","start":1090.0,"end":1092.42,"sentiment":"neutral","sentiment_score":0.1841048151254654},{"text":"Yeah.","start":1093.04,"end":1093.54,"sentiment":"neutral","sentiment_score":0.03698021173477173}],"sentiment":"neutral","sentiment_score":0.13841045701078006,"num_words":28,"start":1075.915,"end":1093.54},{"sentences":[{"text":"No.","start":1094.485,"end":1094.725,"sentiment":"neutral","sentiment_score":-0.07782748341560364},{"text":"That's honestly not a problem at all.","start":1094.725,"end":1097.3049,"sentiment":"neutral","sentiment_score":-0.12123462877103261},{"text":"You'll also both have my direct email.","start":1097.605,"end":1099.605,"sentiment":"neutral","sentiment_score":0.22323346776621683},{"text":"So if there's anything you need, let me know.","start":1099.605,"end":1101.845,"sentiment":"neutral","sentiment_score":0.22360403339068094},{"text":"Happy for you to email me through and say we need a conversation or you've got some additional questions.","start":1101.845,"end":1105.7649,"sentiment":"positive","sentiment_score":0.47910179433069733}],"sentiment":"neutral","sentiment_score":0.27329150656628054,"num_words":43,"start":1094.485,"end":1105.7649},{"sentences":[{"text":"It doesn't know what those questions are.","start":1105.7649,"end":1107.5449,"sentiment":"neutral","sentiment_score":0.1357949429324695},{"text":"It doesn't no question's too silly or too small.","start":1108.13,"end":1110.47,"sentiment":"neutral","sentiment_score":0.08375631852282418},{"text":"If it's in your mind and you wanna answer, the email to me, and I'll see what I can do to help you 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later.","start":1124.7468,"end":1125.4669,"sentiment":"positive","sentiment_score":0.6295639673868815},{"text":"Bye.","start":1125.4669,"end":1125.9669,"sentiment":"neutral","sentiment_score":-0.11305321753025056}],"sentiment":"positive","sentiment_score":0.7474846662510009,"num_words":21,"start":1118.4269,"end":1125.9669}]}}]},{"alternatives":[{"transcript":"Hello? I'm good, Ben. How are you? I'm I'm trying to get the same time. Yeah. Absolutely. He can you hear traffic? Yeah. I can hear you. Can you hear me then? Yep. Yeah. Sorry. You just you cut out. Can you repeat that again, please? Yes. Yes. Yep. Yeah. Charlene Ray. 1985, and address 11 Wilkins Crescent, Bruin. Okay. Well, we've got so at the moment, we've got we're just finding that we haven't got much finances freed up after our pay each week, and we're wanting to maybe we've got a ZIP a ZIP account that we maybe wanna clear with a personal loan and then but also we wanna have a look at our mortgage. We have mortgage over two accounts at the moment, like an off credit account and a and a another account. And we're wondering whether that it would be beneficial for us to combine that and make it as one one loan rather than two, and if that would help us with finances as well. 5.97%. Yeah. Well, so Travis gets paid weekly, and I get paid fortnightly. So I literally I do it every week, and I work out what we need to pay over over the week or fortnight when we're getting paid, and that's how I work it out. It it has been. Yeah. Like, we've freed up a little bit now because what I did was I I reduced our payments that I was paying off our ZIP. So I increased our ZIP for payment so I could pay off pay that off quicker so we could kinda free up our free up that money a bit quicker, but it's it's kind of got went a bit about backwards and had given us no no extra money. So I was backed that back off again, but ZIP has recently changed and started charging us interest on it. So it feels like we're not getting anywhere with it. So it's either I asked the payments again, and we have nothing, you know, nothing left in the budget each week and each fortnight and just try and manage that until, you know, until we pay it off, which isn't gonna be for the next six to eight months on the repayments I was having. And it's it's just not working. I've got it here. One sec. So there's two because we've got two we've got, like, a Zip Money account and a Zip Pay account. There's two of them. And we normally because what we normally do is we normally kind of use it over the, like, last I don't know how many years. We've used it as, like, our savings, like, Christmas and stuff, and I normally pay it. I I I normally buy Christmas presents and things on it every year, and then I pay it off before the next Christmas. And we just keep utilizing that, but because they've now changed it and put interest on it, it's really starting to impact us. Yeah. I think it's something like well, I yeah. I think it's, like, double that. I think it's something like 12 or 13% or something. It's a ridiculous amount. Yeah. Well, I don't we don't really wanna put the ZIP on the mortgage. We we're trying to avoid that. But we do we do actually want to refinance. We we we want to see whether it's beneficial for us to put both of our loan like, our mortgage loans back together because they've got a big portion on a on a variable rate and a small portion of, like, in and off debt alone. So what we're wondering whether that's beneficial for us or if we should have it in the one loan, just pay off the one like, if it's gonna cost us less to pay off just one loan repayment for that mortgage instead of having the two mortgages. And we're also looking at doing a top up so we can we've got payments sorted. Yeah. That's a plus. It's just yeah. If we can get a top up loan or something. With that, yeah, with that refinancing mortgage to try and build our deck as well. Yeah. Okay. It does. Yeah. But having that bit money on the mortgage, like, paying that over thirty years doesn't mean that we're paying a hell of a lot more than what the initial money like, that initial ZIP was. Yeah. Yeah. Okay. And I yes. And you were mentioning just helping with the budgeting side of things as well. Yep. Yep. Yep. Yep. Okay. Well, as in March well, what essentially, they look at the That's it, I think. I was gonna look at the the mortgage. And then once we get more to figure on the mortgage, then go back to you with the budget and and work everything out that way. Would that make sense? Well, would it would it be I was gonna say, would it be beneficial maybe just to give us I I'd like to in the meantime anyway, I'd like to have a budget and be able to continue paying that off just because I think it's gonna take a while to anyway go through a mortgage broker and try and figure out the other side of it even when we might not even be lucky on that. But I would like a budget I would like to have that budget then. Yeah. Yeah. Well, that's literally the only yeah. Absolutely. Then it's, like, literally the only thing that we are spending a a big chunk of our money on at the moment besides the mortgage. So Yeah. It's sort of what? 2 $100 a week. So I think yeah. Because we owe about 5,005 thousand 8 like, about 5,900 on it at the moment, and I was paying off 405 a fortnight. But I've just backed it off to 300 a fortnight now just to give us that bit of extra. So No. We have yeah. It'll be around that, but having the four kids and things like that and then things pop up, it's not it yeah. It gives and it gives us nothing to put into savings. Like, we don't have any anything to put in a savings account. So Yep. Yep. Well, with the mortgage broker, is that is that included in all, like, in what we're doing with our sweep and everything as well? Is that all included, or would that be it? Yeah? Yep. Yeah. Okay. That'll be great too. Yeah. Yep. Yeah. That's fine. Yeah. Of course. Yep. Probably well, send the email to both. It's fine. But, yeah, it's probably best to contact me and because Travis is not really sure, like, not because he's all over the place on getting home from work and things like that too. Yeah. Yeah. No problem. No. Going to good. Just yeah. Yeah. Yep. Yes. Great. And so do you, like, with with because I do like I said, like, with our pays and stuff, I get every time one or both of us get paid, I do it on a weekly to fortnightly basis. Do you suggest doing it like that or and keeping it like that as we get paid, do the budget, see what's due over the next couple of fortnight and do it like that? Yes. Yep. Okay. Yep. Yep. Sounds perfect. Thank you. No. Not at the moment. That's about it, I think. Yeah. No worries. Thank you very much. You too. Thanks. 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I'm good, Ben. How are you? I'm I'm trying to get the same time. Yeah.\n\nAbsolutely. He can you hear traffic? Yeah. I can hear you. Can you hear me then?\n\nYep. Yeah. Sorry. You just you cut out. Can you repeat that again, please?\n\nYes. Yes. Yep. Yeah. Charlene Ray.\n\n1985, and address 11 Wilkins Crescent, Bruin. Okay. Well, we've got so at the moment, we've got we're just finding that we haven't got much finances freed up after our pay each week, and we're wanting to maybe we've got a ZIP a ZIP account that we maybe wanna clear with a personal loan and then but also we wanna have a look at our mortgage. We have mortgage over two accounts at the moment, like an off credit account and a and a another account. And we're wondering whether that it would be beneficial for us to combine that and make it as one one loan rather than two, and if that would help us with finances as well.\n\n5.97%. Yeah. Well, so Travis gets paid weekly, and I get paid fortnightly. So I literally I do it every week, and I work out what we need to pay over over the week or fortnight when we're getting paid, and that's how I work it out. It it has been.\n\nYeah. Like, we've freed up a little bit now because what I did was I I reduced our payments that I was paying off our ZIP. So I increased our ZIP for payment so I could pay off pay that off quicker so we could kinda free up our free up that money a bit quicker, but it's it's kind of got went a bit about backwards and had given us no no extra money. So I was backed that back off again, but ZIP has recently changed and started charging us interest on it. So it feels like we're not getting anywhere with it.\n\nSo it's either I asked the payments again, and we have nothing, you know, nothing left in the budget each week and each fortnight and just try and manage that until, you know, until we pay it off, which isn't gonna be for the next six to eight months on the repayments I was having. And it's it's just not working. I've got it here. One sec. So there's two because we've got two we've got, like, a Zip Money account and a Zip Pay account.\n\nThere's two of them. And we normally because what we normally do is we normally kind of use it over the, like, last I don't know how many years. We've used it as, like, our savings, like, Christmas and stuff, and I normally pay it. I I I normally buy Christmas presents and things on it every year, and then I pay it off before the next Christmas. And we just keep utilizing that, but because they've now changed it and put interest on it, it's really starting to impact us.\n\nYeah. I think it's something like well, I yeah. I think it's, like, double that. I think it's something like 12 or 13% or something. It's a ridiculous amount.\n\nYeah. Well, I don't we don't really wanna put the ZIP on the mortgage. We we're trying to avoid that. But we do we do actually want to refinance. We we we want to see whether it's beneficial for us to put both of our loan like, our mortgage loans back together because they've got a big portion on a on a variable rate and a small portion of, like, in and off debt alone.\n\nSo what we're wondering whether that's beneficial for us or if we should have it in the one loan, just pay off the one like, if it's gonna cost us less to pay off just one loan repayment for that mortgage instead of having the two mortgages. And we're also looking at doing a top up so we can we've got payments sorted. Yeah. That's a plus. It's just yeah.\n\nIf we can get a top up loan or something. With that, yeah, with that refinancing mortgage to try and build our deck as well. Yeah. Okay. It does.\n\nYeah. But having that bit money on the mortgage, like, paying that over thirty years doesn't mean that we're paying a hell of a lot more than what the initial money like, that initial ZIP was. Yeah. Yeah. Okay.\n\nAnd I yes. And you were mentioning just helping with the budgeting side of things as well. Yep. Yep. Yep.\n\nYep. Okay. Well, as in March well, what essentially, they look at the That's it, I think. I was gonna look at the the mortgage. And then once we get more to figure on the mortgage, then go back to you with the budget and and work everything out that way.\n\nWould that make sense? Well, would it would it be I was gonna say, would it be beneficial maybe just to give us I I'd like to in the meantime anyway, I'd like to have a budget and be able to continue paying that off just because I think it's gonna take a while to anyway go through a mortgage broker and try and figure out the other side of it even when we might not even be lucky on that. But I would like a budget I would like to have that budget then. Yeah. Yeah.\n\nWell, that's literally the only yeah. Absolutely. Then it's, like, literally the only thing that we are spending a a big chunk of our money on at the moment besides the mortgage. So Yeah. It's sort of what?\n\n2 $100 a week. So I think yeah. Because we owe about 5,005 thousand 8 like, about 5,900 on it at the moment, and I was paying off 405 a fortnight. But I've just backed it off to 300 a fortnight now just to give us that bit of extra. So No.\n\nWe have yeah. It'll be around that, but having the four kids and things like that and then things pop up, it's not it yeah. It gives and it gives us nothing to put into savings. Like, we don't have any anything to put in a savings account. So Yep.\n\nYep. Well, with the mortgage broker, is that is that included in all, like, in what we're doing with our sweep and everything as well? Is that all included, or would that be it? Yeah? Yep.\n\nYeah. Okay. That'll be great too. Yeah. Yep.\n\nYeah. That's fine. Yeah. Of course. Yep.\n\nProbably well, send the email to both. It's fine. But, yeah, it's probably best to contact me and because Travis is not really sure, like, not because he's all over the place on getting home from work and things like that too. Yeah. Yeah.\n\nNo problem. No. Going to good. Just yeah. Yeah.\n\nYep. Yes. Great. And so do you, like, with with because I do like I said, like, with our pays and stuff, I get every time one or both of us get paid, I do it on a weekly to fortnightly basis. Do you suggest doing it like that or and keeping it like that as we get paid, do the budget, see what's due over the next couple of fortnight and do it like that?\n\nYes. Yep. Okay. Yep. Yep.\n\nSounds perfect. Thank you. No. Not at the moment. That's about it, I think.\n\nYeah. No worries. Thank you very much. You too. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.031878381967544556},{"text":"I'm good, Ben.","start":6.24,"end":7.12,"sentiment":"positive","sentiment_score":0.5680892070134481},{"text":"How are you?","start":7.12,"end":7.94,"sentiment":"positive","sentiment_score":0.41654878854751587},{"text":"I'm I'm trying to get the same time.","start":8.16,"end":10.179999,"sentiment":"positive","sentiment_score":0.4188831187784672},{"text":"Yeah.","start":17.005001,"end":17.325,"sentiment":"neutral","sentiment_score":0.06967338919639587}],"sentiment":"positive","sentiment_score":0.4004081692546606,"num_words":16,"start":0.39999998,"end":17.325},{"sentences":[{"text":"Absolutely.","start":17.325,"end":17.825,"sentiment":"neutral","sentiment_score":0.0875219851732254},{"text":"He can you hear traffic?","start":17.885,"end":19.005001,"sentiment":"neutral","sentiment_score":0.02496671974658966},{"text":"Yeah.","start":19.005001,"end":19.125,"sentiment":"neutral","sentiment_score":0.010186617262661455},{"text":"I can hear you.","start":19.125,"end":19.565,"sentiment":"neutral","sentiment_score":0.00782048818655312},{"text":"Can you hear me then?","start":19.565,"end":20.525,"sentiment":"neutral","sentiment_score":0.008788450434803963}],"sentiment":"neutral","sentiment_score":0.018610400380566716,"num_words":16,"start":17.325,"end":20.525},{"sentences":[{"text":"Yep.","start":20.525,"end":21.025,"sentiment":"neutral","sentiment_score":0.03387763351202011},{"text":"Yeah.","start":21.645,"end":22.145,"sentiment":"neutral","sentiment_score":0.20279023051261905},{"text":"Sorry.","start":43.954998,"end":44.435,"sentiment":"neutral","sentiment_score":-0.23484110832214355},{"text":"You just you cut out.","start":44.435,"end":45.555,"sentiment":"negative","sentiment_score":-0.34254000186920164},{"text":"Can you repeat that again, please?","start":45.555,"end":47.095,"sentiment":"neutral","sentiment_score":-0.18124320854743323}],"sentiment":"neutral","sentiment_score":-0.19988089320915087,"num_words":14,"start":20.525,"end":47.095},{"sentences":[{"text":"Yes.","start":53.715,"end":54.215,"sentiment":"neutral","sentiment_score":0.05866698175668717},{"text":"Yes.","start":54.355,"end":54.855,"sentiment":"neutral","sentiment_score":0.0780142992734909},{"text":"Yep.","start":60.59,"end":61.09,"sentiment":"neutral","sentiment_score":0.09395601600408554},{"text":"Yeah.","start":61.469997,"end":61.87,"sentiment":"neutral","sentiment_score":0.057637691497802734},{"text":"Charlene Ray.","start":61.87,"end":62.85,"sentiment":"neutral","sentiment_score":0.038269203156232834}],"sentiment":"neutral","sentiment_score":0.06080223247408867,"num_words":6,"start":53.715,"end":62.85},{"sentences":[{"text":"1985, and address 11 Wilkins Crescent, Bruin.","start":63.469997,"end":67.25,"sentiment":"neutral","sentiment_score":0.04000060739261763},{"text":"Okay.","start":83.72,"end":83.96,"sentiment":"neutral","sentiment_score":-0.02282640710473061},{"text":"Well, we've got so at the moment, we've got we're just finding that we haven't got much finances freed up after our pay each week, and we're wanting to maybe we've got a ZIP a ZIP account that we maybe wanna clear with a personal loan and then but also we wanna have a look at our mortgage.","start":83.96,"end":99.595,"sentiment":"neutral","sentiment_score":-0.06048293764992007},{"text":"We have mortgage over two accounts at the moment, like an off credit account and a and a another account.","start":99.595,"end":104.235,"sentiment":"neutral","sentiment_score":0.03742227833718061},{"text":"And we're wondering whether that it would be beneficial for us to combine that and make it as one one loan rather than two, and if that would help us with finances as well.","start":104.235,"end":114.420006,"sentiment":"neutral","sentiment_score":0.24549423010252855}],"sentiment":"neutral","sentiment_score":0.0487034737598151,"num_words":120,"start":63.469997,"end":114.420006},{"sentences":[{"text":"5.97%.","start":121.520004,"end":123.060005,"sentiment":"neutral","sentiment_score":0.02736830897629261},{"text":"Yeah.","start":142.77,"end":143.09,"sentiment":"neutral","sentiment_score":0.1348218321800232},{"text":"Well, so Travis gets paid weekly, and I get paid fortnightly.","start":143.09,"end":146.21,"sentiment":"neutral","sentiment_score":0.18840086595578628},{"text":"So I literally I do it every week, and I work out what we need to pay over over the week or fortnight when we're getting paid, and that's how I work it out.","start":146.21,"end":154.22499,"sentiment":"neutral","sentiment_score":0.19309505907928243},{"text":"It it has been.","start":169.3,"end":170.26,"sentiment":"neutral","sentiment_score":-0.11336008831858635}],"sentiment":"neutral","sentiment_score":0.16365473180571022,"num_words":51,"start":121.520004,"end":170.26},{"sentences":[{"text":"Yeah.","start":170.26,"end":170.34,"sentiment":"neutral","sentiment_score":-0.08217145502567291},{"text":"Like, we've freed up a little bit now because what I did was I I reduced our payments that I was paying off our ZIP.","start":170.34,"end":175.7,"sentiment":"neutral","sentiment_score":-0.15620214432477952},{"text":"So I increased our ZIP for payment so I could pay off pay that off quicker so we could kinda free up our free up that money a bit quicker, but it's it's kind of got went a bit about backwards and had given us no no extra money.","start":175.7,"end":186.055,"sentiment":"neutral","sentiment_score":-0.20392018465363249},{"text":"So I was backed that back off again, but ZIP has recently changed and started charging us interest on it.","start":186.055,"end":190.935,"sentiment":"negative","sentiment_score":-0.3363933634012938},{"text":"So it feels like we're not getting anywhere with it.","start":190.935,"end":193.675,"sentiment":"negative","sentiment_score":-0.6500762492418289}],"sentiment":"neutral","sentiment_score":-0.259123274967784,"num_words":105,"start":170.26,"end":193.675},{"sentences":[{"text":"So it's either I asked the payments again, and we have nothing, you know, nothing left in the budget each week and each fortnight and just try and manage that until, you know, until we pay it off, which isn't gonna be for the next six to eight months on the repayments I was having.","start":194.79999,"end":208.335,"sentiment":"neutral","sentiment_score":-0.1754390432753346},{"text":"And it's it's just not working.","start":208.335,"end":209.795,"sentiment":"negative","sentiment_score":-0.630294402440389},{"text":"I've got it here.","start":219.05501,"end":220.26,"sentiment":"neutral","sentiment_score":-0.019940324826166034},{"text":"One sec.","start":220.26,"end":220.74,"sentiment":"neutral","sentiment_score":-0.0032912692986428738},{"text":"So there's two because we've got two we've got, like, a Zip Money account and a Zip Pay account.","start":220.74,"end":226.98,"sentiment":"neutral","sentiment_score":0.06268408832501766}],"sentiment":"neutral","sentiment_score":-0.14332860412223666,"num_words":86,"start":194.79999,"end":226.98},{"sentences":[{"text":"There's two of them.","start":226.98,"end":228.12,"sentiment":"neutral","sentiment_score":0.051993390545248985},{"text":"And we normally because what we normally do is we normally kind of use it over the, like, last I don't know how many years.","start":228.9,"end":234.455,"sentiment":"neutral","sentiment_score":0.015986869931221007},{"text":"We've used it as, like, our savings, like, Christmas and stuff, and I normally pay it.","start":234.455,"end":238.215,"sentiment":"neutral","sentiment_score":0.1012052958831191},{"text":"I I I normally buy Christmas presents and things on it every year, and then I pay it off before the next Christmas.","start":238.215,"end":242.295,"sentiment":"neutral","sentiment_score":0.09503283141099889},{"text":"And we just keep utilizing that, but because they've now changed it and put interest on it, it's really starting to impact us.","start":242.295,"end":251.22,"sentiment":"neutral","sentiment_score":-0.1593347389412963}],"sentiment":"neutral","sentiment_score":0.008219628257083368,"num_words":91,"start":226.98,"end":251.22},{"sentences":[{"text":"Yeah.","start":251.22,"end":251.54,"sentiment":"neutral","sentiment_score":-0.11074765026569366},{"text":"I think it's something like well, I 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that.","start":319.30002,"end":321.015,"sentiment":"neutral","sentiment_score":-0.0895265464981397},{"text":"But we do we do actually want to refinance.","start":321.095,"end":323.65503,"sentiment":"neutral","sentiment_score":0.042248953547742635},{"text":"We we we want to see whether it's beneficial for us to put both of our loan like, our mortgage loans back together because they've got a big portion on a on a variable rate and a small portion of, like, in and off debt alone.","start":323.65503,"end":335.43503,"sentiment":"neutral","sentiment_score":0.12592616272361382}],"sentiment":"neutral","sentiment_score":0.050710819587111475,"num_words":75,"start":258.9,"end":335.43503},{"sentences":[{"text":"So what we're wondering whether that's beneficial for us or if we should have it in the one loan, just pay off the one like, if it's gonna cost us less to pay off just one loan repayment for that mortgage instead of having the two 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was.","start":459.30002,"end":467.57498,"sentiment":"neutral","sentiment_score":-0.11439175009727479},{"text":"Yeah.","start":501.465,"end":501.9,"sentiment":"neutral","sentiment_score":-0.021806098520755768},{"text":"Yeah.","start":520.47504,"end":520.97504,"sentiment":"neutral","sentiment_score":-0.02389948070049286},{"text":"Okay.","start":521.435,"end":521.935,"sentiment":"neutral","sentiment_score":-0.004418522119522095}],"sentiment":"neutral","sentiment_score":-0.10254075855780871,"num_words":39,"start":459.14,"end":521.935},{"sentences":[{"text":"And I yes.","start":523.435,"end":525.835,"sentiment":"neutral","sentiment_score":-0.0895520132035017},{"text":"And you were mentioning just helping with the budgeting side of things as 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mortgage.","start":613.39496,"end":615.735,"sentiment":"neutral","sentiment_score":0.00909578287974},{"text":"And then once we get more to figure on the mortgage, then go back to you with the budget and and work everything out that way.","start":616.98,"end":624.44,"sentiment":"neutral","sentiment_score":0.0485398993612482}],"sentiment":"neutral","sentiment_score":0.035678211526543484,"num_words":51,"start":584.33496,"end":624.44},{"sentences":[{"text":"Would that make sense?","start":626.34,"end":627.4,"sentiment":"neutral","sentiment_score":0.16501827165484428},{"text":"Well, would it would it be I was gonna say, would it be beneficial maybe just to give us I I'd like to in the meantime anyway, I'd like to have a budget and be able to continue paying that off just because I think it's gonna take a while to anyway go through a mortgage broker and try and figure out the other side of it even when we might not even be lucky on that.","start":628.685,"end":643.005,"sentiment":"neutral","sentiment_score":0.07002948780919051},{"text":"But I would like a budget I would like to have that budget then.","start":643.005,"end":646.38995,"sentiment":"neutral","sentiment_score":0.11825771310499736},{"text":"Yeah.","start":646.38995,"end":646.88995,"sentiment":"neutral","sentiment_score":0.04397144168615341},{"text":"Yeah.","start":656.57495,"end":656.815,"sentiment":"neutral","sentiment_score":0.010076266713440418}],"sentiment":"neutral","sentiment_score":0.08002061175048045,"num_words":97,"start":626.34,"end":656.815},{"sentences":[{"text":"Well, that's literally the only yeah.","start":656.815,"end":658.915,"sentiment":"neutral","sentiment_score":-0.012078984795759121},{"text":"Absolutely.","start":658.975,"end":659.45496,"sentiment":"neutral","sentiment_score":0.12318278849124908},{"text":"Then it's, like, literally the only thing that we are spending a a big chunk of our money on at the moment besides the mortgage.","start":659.45496,"end":664.33496,"sentiment":"neutral","sentiment_score":-0.009237257987260819},{"text":"So Yeah.","start":664.33496,"end":665.295,"sentiment":"neutral","sentiment_score":-0.003007662482559681},{"text":"It's sort of what?","start":665.295,"end":666.01495,"sentiment":"neutral","sentiment_score":-0.059927199967205524}],"sentiment":"neutral","sentiment_score":-0.011209123547335989,"num_words":38,"start":656.815,"end":666.01495},{"sentences":[{"text":"2 $100 a week.","start":666.01495,"end":667.055,"sentiment":"neutral","sentiment_score":-0.04141521919518709},{"text":"So I think yeah.","start":667.055,"end":667.77496,"sentiment":"neutral","sentiment_score":-0.026073473040014505},{"text":"Because we owe about 5,005 thousand 8 like, about 5,900 on it at the moment, and I was paying off 405 a fortnight.","start":667.77496,"end":674.89996,"sentiment":"neutral","sentiment_score":-0.08971631364977878},{"text":"But I've just backed it off to 300 a fortnight now just to give us that bit of extra.","start":674.89996,"end":678.83997,"sentiment":"neutral","sentiment_score":-0.05474159219547322},{"text":"So No.","start":678.89996,"end":699.22,"sentiment":"neutral","sentiment_score":-0.0009766779839992523}],"sentiment":"neutral","sentiment_score":-0.06491295366476361,"num_words":52,"start":666.01495,"end":699.22},{"sentences":[{"text":"We have yeah.","start":699.44,"end":701.2,"sentiment":"neutral","sentiment_score":-0.047290378560622535},{"text":"It'll be around that, but having the four kids and things like that and then things pop up, it's not it yeah.","start":701.2,"end":706.39996,"sentiment":"neutral","sentiment_score":-0.13139264844357967},{"text":"It gives and it gives us nothing to put into savings.","start":706.39996,"end":708.64,"sentiment":"negative","sentiment_score":-0.429615933786739},{"text":"Like, we don't have any anything to put in a savings account.","start":708.64,"end":711.88495,"sentiment":"neutral","sentiment_score":-0.2892473600804806},{"text":"So Yep.","start":713.38495,"end":734.07996,"sentiment":"neutral","sentiment_score":0.1482289582490921}],"sentiment":"neutral","sentiment_score":-0.21865590155124665,"num_words":50,"start":699.44,"end":734.07996},{"sentences":[{"text":"Yep.","start":743.525,"end":744.025,"sentiment":"neutral","sentiment_score":0.17736363410949707},{"text":"Well, with the mortgage broker, is that is that included in all, like, in what we're doing with our sweep and everything as well?","start":755.36,"end":760.16,"sentiment":"neutral","sentiment_score":0.043111196951940656},{"text":"Is that all included, or would that be it?","start":760.16,"end":761.83997,"sentiment":"neutral","sentiment_score":0.012663800476325883},{"text":"Yeah?","start":761.83997,"end":762.33997,"sentiment":"neutral","sentiment_score":0.012051061727106571},{"text":"Yep.","start":796.92004,"end":797.42004,"sentiment":"neutral","sentiment_score":0.06450167298316956}],"sentiment":"neutral","sentiment_score":0.03895998055425783,"num_words":36,"start":743.525,"end":797.42004},{"sentences":[{"text":"Yeah.","start":806.075,"end":806.395,"sentiment":"positive","sentiment_score":0.3356610834598541},{"text":"Okay.","start":806.395,"end":806.635,"sentiment":"positive","sentiment_score":0.4948374629020691},{"text":"That'll be great too.","start":806.635,"end":807.515,"sentiment":"positive","sentiment_score":0.7312542349100113},{"text":"Yeah.","start":807.515,"end":808.015,"sentiment":"positive","sentiment_score":0.35463249683380127},{"text":"Yep.","start":820.52,"end":821.02,"sentiment":"neutral","sentiment_score":0.12177638709545135}],"sentiment":"positive","sentiment_score":0.5289905462414026,"num_words":8,"start":806.075,"end":821.02},{"sentences":[{"text":"Yeah.","start":825.605,"end":825.845,"sentiment":"neutral","sentiment_score":0.0693615972995758},{"text":"That's fine.","start":825.845,"end":826.665,"sentiment":"neutral","sentiment_score":0.092025525867939},{"text":"Yeah.","start":827.20496,"end":827.52496,"sentiment":"neutral","sentiment_score":0.058056287467479706},{"text":"Of course.","start":827.52496,"end":828.105,"sentiment":"neutral","sentiment_score":0.0520765483379364},{"text":"Yep.","start":828.725,"end":829.225,"sentiment":"neutral","sentiment_score":0.22158929705619812}],"sentiment":"neutral","sentiment_score":0.09103019003357206,"num_words":7,"start":825.605,"end":829.225},{"sentences":[{"text":"Probably well, send the email to both.","start":837.7,"end":839.46,"sentiment":"neutral","sentiment_score":0.09964312293699809},{"text":"It's fine.","start":839.46,"end":840.2,"sentiment":"neutral","sentiment_score":0.17312731593847275},{"text":"But, yeah, it's probably best to contact me and because Travis is not really sure, like, not because he's all over the place on getting home from work and things like that too.","start":840.42,"end":848.68,"sentiment":"neutral","sentiment_score":0.001723159711356416},{"text":"Yeah.","start":875.985,"end":876.485,"sentiment":"neutral","sentiment_score":0.02558251656591892},{"text":"Yeah.","start":878.70496,"end":879.20496,"sentiment":"neutral","sentiment_score":0.006059121340513229}],"sentiment":"neutral","sentiment_score":0.02573323638220741,"num_words":44,"start":837.7,"end":879.20496},{"sentences":[{"text":"No problem.","start":888.305,"end":888.96497,"sentiment":"neutral","sentiment_score":0.05841168574988842},{"text":"No.","start":889.02496,"end":889.18494,"sentiment":"neutral","sentiment_score":0.02753717079758644},{"text":"Going to good.","start":889.345,"end":890.14496,"sentiment":"neutral","sentiment_score":0.10968680679798126},{"text":"Just yeah.","start":890.14496,"end":890.885,"sentiment":"neutral","sentiment_score":0.07222910597920418},{"text":"Yeah.","start":922.37,"end":922.87,"sentiment":"neutral","sentiment_score":0.14418350160121918}],"sentiment":"neutral","sentiment_score":0.0846736306945483,"num_words":9,"start":888.305,"end":922.87},{"sentences":[{"text":"Yep.","start":940.055,"end":940.555,"sentiment":"neutral","sentiment_score":0.10145437717437744},{"text":"Yes.","start":957.22,"end":957.54,"sentiment":"positive","sentiment_score":0.3919839560985565},{"text":"Great.","start":957.54,"end":957.77997,"sentiment":"positive","sentiment_score":0.5978839993476868},{"text":"And so do you, like, with with because I do like I said, like, with our pays and stuff, I get every time one or both of us get paid, I do it on a weekly to fortnightly basis.","start":957.77997,"end":966.075,"sentiment":"neutral","sentiment_score":0.2051004912608709},{"text":"Do you suggest doing it like that or and keeping it like that as we get paid, do the budget, see what's due over the next couple of fortnight and do it like that?","start":966.075,"end":973.215,"sentiment":"neutral","sentiment_score":0.1735038246740313}],"sentiment":"neutral","sentiment_score":0.19722857277252173,"num_words":76,"start":940.055,"end":973.215},{"sentences":[{"text":"Yes.","start":1002.91504,"end":1003.23,"sentiment":"positive","sentiment_score":0.3679526150226593},{"text":"Yep.","start":1024.715,"end":1025.035,"sentiment":"neutral","sentiment_score":0.16548822820186615},{"text":"Okay.","start":1025.035,"end":1025.535,"sentiment":"neutral","sentiment_score":0.2066047638654709},{"text":"Yep.","start":1067.17,"end":1067.67,"sentiment":"neutral","sentiment_score":0.1032424420118332},{"text":"Yep.","start":1072.465,"end":1072.965,"sentiment":"neutral","sentiment_score":0.19240306317806244}],"sentiment":"neutral","sentiment_score":0.2071382224559784,"num_words":5,"start":1002.91504,"end":1072.965},{"sentences":[{"text":"Sounds perfect.","start":1073.265,"end":1073.905,"sentiment":"positive","sentiment_score":0.617258608341217},{"text":"Thank you.","start":1073.905,"end":1074.645,"sentiment":"positive","sentiment_score":0.6387812793254852},{"text":"No.","start":1081.745,"end":1081.985,"sentiment":"neutral","sentiment_score":-0.13770870864391327},{"text":"Not at the moment.","start":1081.985,"end":1082.625,"sentiment":"neutral","sentiment_score":-0.17717832326889038},{"text":"That's about it, I think.","start":1082.625,"end":1083.75,"sentiment":"neutral","sentiment_score":-0.13900949358940123}],"sentiment":"neutral","sentiment_score":0.0693293075476374,"num_words":14,"start":1073.265,"end":1083.75},{"sentences":[{"text":"Yeah.","start":1095.67,"end":1096.17,"sentiment":"neutral","sentiment_score":-0.1415390521287918},{"text":"No worries.","start":1115.77,"end":1116.3301,"sentiment":"positive","sentiment_score":0.38071541488170624},{"text":"Thank you very much.","start":1116.3301,"end":1117.31,"sentiment":"positive","sentiment_score":0.7873075604438782},{"text":"You too.","start":1122.0901,"end":1122.7301,"sentiment":"positive","sentiment_score":0.6332511305809021},{"text":"Thanks.","start":1122.7301,"end":1123.2101,"sentiment":"positive","sentiment_score":0.6607987880706787}],"sentiment":"positive","sentiment_score":0.5696423068642616,"num_words":10,"start":1095.67,"end":1123.2101},{"sentences":[{"text":"Bye.","start":1123.2101,"end":1123.7101,"sentiment":"positive","sentiment_score":0.4406256079673767}],"sentiment":"positive","sentiment_score":0.4406256079673767,"num_words":1,"start":1123.2101,"end":1123.7101}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Charlene. This is Dana from OT Financial. How are you this afternoon?\n\nChannel 1: I'm good, Ben. How are you?\n\nChannel 0: I'm\n\nChannel 1: I'm\n\nChannel 0: very\n\nChannel 1: I'm\n\nChannel 0: well.\n\nChannel 1: trying\n\nChannel 0: Thank\n\nChannel 1: to get\n\nChannel 0: you.\n\nChannel 1: the same time.\n\nChannel 0: I had yourself and Travis booked in to have a bit of a chat about your cash flow and budgeting. Is now still a good time there for you?\n\nChannel 1: Yeah. Absolutely. He can you hear traffic? Yeah. I can hear you.\n\nCan you hear me then? Yep.\n\nChannel 0: I can. Yeah. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: How's your day been? Nice. Nice. Well, I'll tell him to take up too much of your time. I've got your budget planner here, and thank you so much for completing it and sending it back.\n\nBefore I jump into the call, I do have to let you both know we do record our calls for quality and training purposes. Are you okay if we proceed with that?\n\nChannel 1: Sorry. You just you cut out. Can you repeat that again, please?\n\nChannel 0: Absolutely. Sorry about that. We do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. Beautiful. And as for the security, I'll just get you to confirm your full name, date of birth, and address I should have on file. Just one of\n\nChannel 1: Yep.\n\nChannel 0: you is fine.\n\nChannel 1: Yeah. Charlene Ray. 1985, and address 11\n\nChannel 0: Beautiful.\n\nChannel 1: Wilkins Crescent, Bruin.\n\nChannel 0: Beautiful. Thank you so much for that. I had a bit of a look through the file there, and I can see you wanted to sort of talk about the the cash on the budget plan. From what I understand, you're wanting to look at just consolidating some things. But how can I help you both?\n\nWhat were you sort of after?\n\nChannel 1: Okay. Well, we've got so at the moment, we've got we're just finding that we haven't got much finances freed up after our pay each week, and we're wanting to maybe we've got a ZIP a ZIP account that we maybe wanna clear with a personal loan and then but also we wanna have a look at our mortgage. We have mortgage over two accounts at the moment, like an off credit account and a and a another account. And we're wondering whether\n\nChannel 0: Yep.\n\nChannel 1: that it would be beneficial for us to combine that and make it as one one loan rather than two, and if that would help us with finances as well.\n\nChannel 0: Yeah. Absolutely. What's your interest rate you're paying at the moment on those loans on the the mortgages?\n\nChannel 1: 5.97%.\n\nChannel 0: Nine seven percent. Not a problem at all. Yeah. Because having a bit of a look at things I mean, with the budget plan that you've given me here, having gone kinda gone through it all, you do have a bit of surplus cash available. So do you guys kinda work your budget out on a weekly or fortnightly basis?\n\nHow do you sort of budget for everything?\n\nChannel 1: Yeah. Well, so Travis gets paid weekly, and I get paid fortnightly. So I literally I do it every week, and I work out what we need to pay over over the week or fortnight when we're getting paid, and\n\nChannel 0: Yep.\n\nChannel 1: that's how I work it out.\n\nChannel 0: Yeah. Absolutely. Looking at the way things are structured because at the moment, based on the budget plan here, you have about a $118 on a weekly basis surplus, but are you sort of finding that it's not really working out that way, that it's a little bit tighter than what it looks like?\n\nChannel 1: It it has been. Yeah. Like, we've freed up a little bit now because what I did was I I reduced our payments that I was paying off our ZIP. So I increased our ZIP for payment so I could pay off pay that off quicker so we could kinda free up our free up that money a bit quicker, but it's it's kind of got went a bit about backwards and had given us no no extra money. So I was backed that back off again, but ZIP has recently\n\nChannel 0: Yeah.\n\nChannel 1: changed and started charging us interest on it. So it feels like we're not getting anywhere with it.\n\nChannel 0: Yeah.\n\nChannel 1: So it's either I asked the payments again, and we have nothing, you know, nothing left in the budget each week and each fortnight and just try and manage that until, you know, until we pay it off, which isn't gonna be for the next six to eight months on the\n\nChannel 0: Yeah.\n\nChannel 1: repayments I was having. And it's it's just not working.\n\nChannel 0: Yeah. No. Understandable. So with them charging interest, what are they charging your interest at on the Zip loan? Are they have they told you what the interest rate is?\n\nChannel 1: I've got it here. One sec. So there's\n\nChannel 0: Yeah. You're\n\nChannel 1: two\n\nChannel 0: right.\n\nChannel 1: because we've got two we've got, like, a Zip Money account and a Zip Pay account. There's two of them.\n\nChannel 0: Okay.\n\nChannel 1: And we normally because what we normally do is we normally kind of use it over the, like, last I don't know how many years. We've used it as, like, our savings, like, Christmas and stuff, and I normally pay it. I I I normally buy Christmas presents and things on it every year, and then I pay it off before the next Christmas. And we just keep utilizing that, but because they've now changed\n\nChannel 0: Yeah.\n\nChannel 1: it and put interest on it, it's really starting to impact\n\nChannel 0: Absolutely. And that interest rate would be certainly higher than what you\n\nChannel 1: us.\n\nChannel 0: have\n\nChannel 1: Yeah.\n\nChannel 0: on your\n\nChannel 1: I\n\nChannel 0: mortgage\n\nChannel 1: think it's\n\nChannel 0: or\n\nChannel 1: something\n\nChannel 0: any kind of\n\nChannel 1: like\n\nChannel 0: personal\n\nChannel 1: well,\n\nChannel 0: loan.\n\nChannel 1: I yeah. I think it's, like, double that. I think it's something like 12 or 13% or something. It's a ridiculous\n\nChannel 0: Okay. Yeah.\n\nChannel 1: amount. Yeah.\n\nChannel 0: Yeah. That's basically the same as the sort of interest rate you'd be paying on, like, an unsecured personal loan or something, which is pretty high. And if you're paying that over the next sort of six to eight months, it's definitely gonna impact you. You end up paying basically almost double what you probably borrowed in the first place. There's one or sort of two options that we can maybe look at.\n\nI could look at doing some personalized advice on helping you to kinda pay down all of these debts, or if you're wanting to sort of look at consolidating, maybe have a look at your mortgage, maybe look at kinda consolidate your debts into one repayment, we could refer you through to one of our local mortgage brokers who are fantastic. They could have a look at your borrowing capacity, look at what it might look like if your loans were all consolidated into one to make it one repayment instead of all, you know, seven repayments. Which way would you sort of prefer to go? Would you like to look at the more the mortgage broker side of things first and see if you can consolidate everything quicker?\n\nChannel 1: Well, I don't we don't really wanna put the ZIP on the mortgage. We we're trying\n\nChannel 0: Okay.\n\nChannel 1: to avoid that. But we\n\nChannel 0: Yeah.\n\nChannel 1: do we do actually want to refinance. We we we want to see whether it's beneficial for us to put both of our loan like, our mortgage loans back together because they've got a big portion on a on a variable rate and a small portion of, like, in and off debt alone. So what we're wondering\n\nChannel 0: Yeah.\n\nChannel 1: whether that's beneficial for us or if we should have it in the one loan, just pay off the one like, if it's gonna cost us less to pay off just one loan repayment for that mortgage instead of having the two mortgages. And we're also\n\nChannel 0: Yeah.\n\nChannel 1: looking\n\nChannel 0: Absolutely.\n\nChannel 1: at doing a top up so we can we've got payments sorted. Yeah. That's a plus. It's just yeah. If we can get a top up loan or something.\n\nWith that, yeah, with that refinancing mortgage to try and build our deck as well.\n\nChannel 0: Yep. No worries. They want a little bit extra money there. Because the reason I'm sort of suggesting we maybe look at consolidating the Zip money and the Zip loans into your mortgage is that if you're paying a 12 to 13% interest rate there, if your mortgage is only at five or even 6% with the current interest rates that are, you're actually saving the interest. So you could technically be lowering the amount you have to repay.\n\nPaying a lesser interest rate and consolidating into your mortgage means you're paying it all back at one. It would definitely be beneficial when you pay off those zips to completely close them as well because having them open sort of in time, you'd use them a bit more regularly.\n\nChannel 1: Yeah.\n\nChannel 0: But consolidating it into one loan and and including those those ZIP loans and the ZIP payments into your mortgage could have the interest rate realistically, reduce the amount you have to pay back, maybe even free up a little bit of cash for you as well. Because when you go to kinda look at your mortgage and if you're consolidating those mortgage payments and trying to sorta get a bit of top up money, the interest rate that you are paying in those money loans do factor into the servicing, and it could make it harder to service a new loan. It\n\nChannel 1: Okay.\n\nChannel 0: is definitely something having a chat with a mortgage broker and maybe looking at the options, have them sort of look at consolidating everything together, including those ZIP loans to show you what the interest rate might look like, how long it might last to pay everything down, what your regular repayment might look like as well. That way, it might free up a little bit of extra cash for you guys. But then you can also get them to do up a bit of a quote and show you what it looks like if you don't consolidate those ZIP loans in there as well just to see what your cash flow looks like or how that might change. Does that make sense?\n\nChannel 1: It does. Yeah. But having that bit money on the mortgage, like, paying that over thirty years doesn't mean that we're paying a hell of a lot more than what the initial money like, that initial ZIP was.\n\nChannel 0: Yeah. No. It is it is sort of extending the payment over a longer period of time, but you are paying a lower interest rate. The other option is you try to increase the payments onto that ZIP loan with any extra free cash that you have. Like, if you have an extra 20 or 30 or $50 on a weekly basis, try and smash that in there as much as you possibly can to reduce that debt as quickly as possible.\n\nOnce that is completely paid off to cancel and close it, that way it's no longer there. That frees up that extra money for you, and you can start putting that into your offset account and having it as savings. But\n\nChannel 1: Yeah.\n\nChannel 0: it is a very high interest rate. And, I mean, I don't know how they work with the interest rates in those ZIP loans, but they could increase them or change them. They're sort of not normally fixed, and they're normally more variable rate and can increase and decrease depending on the cash rate and things like that. So there is a chance it could go up further in the future.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Bit of a tough\n\nChannel 1: I\n\nChannel 0: one.\n\nChannel 1: yes. And you were mentioning just helping with the budgeting side of things as well.\n\nChannel 0: Yes. So the other the other side of it, what I could do is I could look at doing some personal advice for you to maybe show you where you might need to or where you could cut back on your budget\n\nChannel 1: Yep.\n\nChannel 0: to free up some extra cash flow and where that could be utilized to help pay down that ZIP loan a bit faster and how that might look for you. It is it can get a little bit drastic depending on how far we need to go or how much you know, how quick you wanna pay that ZIP loan off or what the let you know, what the the total is that you owe at the moment.\n\nChannel 1: Yep.\n\nChannel 0: But I am more than happy to do that. If you'd like to, I just have to go back and do a bit more research, get the statements off you to show how much you owe total, what the interest rates are, and do all the math and calculation around that sort of thing. But\n\nChannel 1: Yep.\n\nChannel 0: it's absolutely an option. There's no additional cost to that kind of advice. It's part of what I do as a financial adviser for you.\n\nChannel 1: Yep.\n\nChannel 0: It's just sort of one of the two options. The best way to move forward is either to maybe look at speaking to a lender and seeing if you can maybe consolidate the loans and seeing if you can, you know, pay them down quicker that way, or we can do that personalized advice and look at maybe altering your budget, showing you where you might need to cut back to kinda pay that down a bit quicker. It's up to you guys, though.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Well, as in March well, what essentially, they look at the That's it, I think. I was gonna look at the the mortgage. And then once we get more to figure on the mortgage, then go back to you with the budget and and work everything out that way.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Would that make sense?\n\nChannel 0: That's okay. Yeah. I mean, you\n\nChannel 1: Well,\n\nChannel 0: the\n\nChannel 1: would it\n\nChannel 0: other\n\nChannel 1: would it\n\nChannel 0: sort\n\nChannel 1: be\n\nChannel 0: of\n\nChannel 1: I was gonna say, would it be beneficial maybe just to give us I I'd like to in the meantime anyway, I'd like to have a budget and be able to continue paying that off just because I think it's gonna\n\nChannel 0: yeah.\n\nChannel 1: take a while to anyway go through a mortgage broker and try and figure out the other side of it even\n\nChannel 0: Yeah.\n\nChannel 1: when we might not even be lucky on that. But I would like a budget I would like to\n\nChannel 0: Yeah.\n\nChannel 1: have that budget then.\n\nChannel 0: Abs\n\nChannel 1: Yeah.\n\nChannel 0: absolutely. Is there a certain time frame? Because is it the ZIP debt that's sort of the one thing you're wanting to pay down quickly as possible free up that cash flow to be able to put\n\nChannel 1: Yeah.\n\nChannel 0: to other\n\nChannel 1: Well,\n\nChannel 0: things\n\nChannel 1: that's literally\n\nChannel 0: like holidays\n\nChannel 1: the only\n\nChannel 0: and the mortgage?\n\nChannel 1: yeah. Absolutely.\n\nChannel 0: Yep.\n\nChannel 1: Then it's,\n\nChannel 0: Yep.\n\nChannel 1: like, literally the only thing that we are spending a a big chunk of our money on at the moment besides the mortgage. So Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It's\n\nChannel 0: No.\n\nChannel 1: sort\n\nChannel 0: That's\n\nChannel 1: of what? 2\n\nChannel 0: okay.\n\nChannel 1: $100 a week. So I think yeah. Because\n\nChannel 0: Yeah.\n\nChannel 1: we owe about 5,005 thousand 8 like, about 5,900 on it at the moment, and I was paying off 405 a fortnight. But I've just backed it off to 300 a fortnight now just to give us that bit of extra. So\n\nChannel 0: Yeah. No. That's okay. Not a problem at all. With the budget planner, as I kinda mentioned before, it does have, that surplus of about a $118 on a weekly basis based on the information I have here.\n\nAre you finding that you do sort of have that amount available, or is it sort of less that you're finding is available at the end of the week when you can\n\nChannel 1: No.\n\nChannel 0: sort of consider\n\nChannel 1: We have\n\nChannel 0: all of your\n\nChannel 1: yeah. It'll be around that, but having the four kids and things like that and then things pop up, it's not it yeah. It gives and it gives us nothing to put into savings. Like, we don't have any\n\nChannel 0: it's\n\nChannel 1: anything to put in a savings account.\n\nChannel 0: yeah. No. That's okay.\n\nChannel 1: So\n\nChannel 0: Not a problem at all. Not an issue. What I'll do, I know you guys sent through the budget plan. Are you able to send me via that email? Actually, I can email you after this.\n\nI'll send you an email from my email address. If you can reply back and send me just the latest statement of the ZIP debt just showing the amount you have owing on both of those, I can\n\nChannel 1: Yep.\n\nChannel 0: go back and do a little bit of an advice document or even just a strategy paper showing you a couple of options on what you could probably do to help pay that down a little bit quicker\n\nChannel 1: Yep.\n\nChannel 0: and give you some advice that way for cash flow and budgeting. And then did you want me to also organize maybe just a referral to the mortgage broker, or did you wanna look at this first? What would you what would you prefer?\n\nChannel 1: Well, with the mortgage broker, is that is that included in all, like, in what we're doing with our sweep and everything as well? Is that all included, or would that\n\nChannel 0: Yeah.\n\nChannel 1: be it? Yeah?\n\nChannel 0: No. Absolutely. So mortgage brokers aren't paid by the clients. They're paid by the banks that they write the loans for. So it is completely complimentary to speak to one of our lovely mortgage brokers.\n\nEven if you don't wanna include the ZipDebt, you just wanna get the also, I can do this sort of strategy paper, all the advice to show you what your options are with paying that down a bit quicker here. If you're still wanting to look at consolidating your mortgage over, they can run the numbers and look at, you know, whether you've got borrowing capacity and give you a bit of an idea on what the repayments might look like, what the interest rates might look like that the banks are offering, and sort of see if they can help you there with regard to that. And\n\nChannel 1: Yep.\n\nChannel 0: as I mentioned, that's completely complimentary to you guys as well. It's part of our services to refer you across. And if they do the loan, they get paid by the the lender. So\n\nChannel 1: Yeah. Okay. That'll be great too. Yeah.\n\nChannel 0: yeah. Yeah. Perfect. With the referral, I send an email to you and to the mortgage broker, and then they tend to email you to organize a day to be able to call and sort of have that initial conversation. Are\n\nChannel 1: Yep.\n\nChannel 0: you comfortable with me providing them with just some basic information, your name, your email address,\n\nChannel 1: Yeah.\n\nChannel 0: phone\n\nChannel 1: That's\n\nChannel 0: numbers,\n\nChannel 1: fine.\n\nChannel 0: just some basic\n\nChannel 1: Yeah.\n\nChannel 0: information\n\nChannel 1: Of course.\n\nChannel 0: on yourself? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And would you like the email sent to both of you or just to one of you, or and who would be the most preferred for them to contact?\n\nChannel 1: Probably well, send the email to both. It's fine. But, yeah,\n\nChannel 0: Yep.\n\nChannel 1: it's probably best to contact me and because Travis is not really sure, like, not because he's all over the place on getting home from work and things like that too.\n\nChannel 0: Yeah. Yep. That's okay. Not a problem at all. And when I sorta do the the strategy paper and look at sort of the different options that you might have to be able to pay the the ZipDebt back as quickly as possible, I do and I do like to clarify because I do kinda go through and scale your budget, and I might tell you to sort of knock that.\n\nThat's why I might do it as a strategy paper and give you a couple of different different options and show you how it can work with the budget, because I can get a little bit in-depth and take things away that all reduce\n\nChannel 1: Yeah.\n\nChannel 0: things that you might actually want. Is\n\nChannel 1: Yeah.\n\nChannel 0: there anything there that might be seen as discretionary that for you guys is a nonnegotiable? You do not want me to look at removing or altering in any way, shape, or form.\n\nChannel 1: No problem. No. Going to good. Just yeah.\n\nChannel 0: Yep. That's okay. No. That's okay. I'll have a bit of a look.\n\nI'll do it up as a bit of a strategy paper. So it'll essentially say, look. These are a couple of different options on how you can alter your current budget to help pay these debts down, how long it might take you to pay those down, and you can kind of go from there and let me know, you know, what you wanna do. The hardest thing about cash on budgeting, the easy part for me is doing that up for you. The hardest part is implementing it.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: moving forward, we can always, you know, check-in and see how you're going and kinda help you out. But that is always honest with everyone. That is the hardest part with cash on budgeting is getting the the strategy back and then implementing it. Because as you said, you've got kids, and life gets in the way, and everything can go upside down at times.\n\nChannel 1: Yep.\n\nChannel 0: But I'll do up the advice for you, and I'll show you what that looks like. As soon as I've got it ready, I'll let you know, and I'll send it to you so you can have a bit of a look at it, and then we can always touch base and have a really good chat around what it looks like, what it is, what it says, and let me know what your thoughts are there as well. Okay?\n\nChannel 1: Yes. Great. And so do you, like, with with because I do like I said, like, with our pays and stuff, I get every time one or both of us get paid, I do it on a weekly to fortnightly basis. Do you suggest doing it like that or and keeping it like that as we get paid, do the budget, see what's due over the next couple of fortnight and do it like that?\n\nChannel 0: Yeah. It is generally easier to do it on a weekly basis. If you I mean, with my so my my income is sort of the same as yourself. So I get paid one week. My husband is paid another week.\n\nSo he gets paid it. Natalie, I get paid weekly. It so it kinda does work a little bit the same for myself. I kind of implement everything on a weekly basis, and when he gets paid for it, Natalie, I just move a certain amount of his pay to another account, and I keep that for the following week so I can work everything out completely weekly. It does\n\nChannel 1: Yes.\n\nChannel 0: work out a lot easier that way, but it all just comes down to what you're comfortable with. Obviously, working things out weekly means that you're working out a smaller repayment. It gives you a little bit of leeway. If things change from one week to another, it's easier to kind of factor that in than it is on a fortnightly basis. So the way you are doing it sounds like you are doing it the best way.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yeah. All good. All good. Well, I'll get stuck into that research and have a bit of a look at what I can do. I'll do up a bit of a strategy paper for you with a few options on the cash flow and budgeting and how we can kinda get ZIP loan paid out.\n\nThe first thing I'll do is send you an email to both of you. If you can just reply back and send me the the the latest statement with the ZIP the ZIP debt amount is how much you currently owe and the interest rates there, I can go back and have a really good look at things for you. And I'll do up that email for you as well for the mortgage broker introduction, and it's up to you guys how you wanna proceed there. It does take me about a week or two to kinda get the strategy paper together and go through and do the research I need on the different options. But as\n\nChannel 1: Yep.\n\nChannel 0: soon as I have it, I'll let you know. I'll send it to you guys, and then we can follow-up and have a chat about it. Okay?\n\nChannel 1: Yep. Sounds perfect. Thank you.\n\nChannel 0: All good. That's okay. Do you have any other questions at all about anything or anything that you wanted me to look at for you guys?\n\nChannel 1: No. Not at the moment. That's about it, I think.\n\nChannel 0: No? Yep. That's absolutely fine. Yeah. No.\n\nThat's honestly not\n\nChannel 1: Yeah.\n\nChannel 0: a problem at all. You'll also both have my direct email. So if there's anything you need, let me know. Happy for you to email me through and say we need a conversation or you've got some additional questions. It doesn't know what those questions are.\n\nIt doesn't no question's too silly or too small. If it's in your mind and you wanna answer, the email to me, and I'll see what I can do to help you guys. Okay.\n\nChannel 1: No worries. Thank you very much.\n\nChannel 0: That's okay. Thank you so much for your time. I hope you both have a lovely evening.\n\nChannel 1: You too. Thanks. Bye.\n\nChannel 0: Thanks, guys. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.031878381967544556}],"sentiment":"neutral","sentiment_score":0.031878381967544556,"channel":1,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"Hi, Charlene.","start":2.3999999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.17373086512088776},{"text":"This is Dana from OT Financial.","start":3.1999998,"end":4.9,"sentiment":"neutral","sentiment_score":0.1938222125172615},{"text":"How are you this afternoon?","start":4.96,"end":6.18,"sentiment":"neutral","sentiment_score":0.25096124708652495}],"sentiment":"neutral","sentiment_score":0.2127077877521515,"channel":0,"num_words":13,"start":2.3999999,"end":6.18},{"sentences":[{"text":"I'm good, Ben.","start":6.24,"end":7.12,"sentiment":"positive","sentiment_score":0.5680892070134481},{"text":"How are 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get","start":9.2,"end":9.44,"sentiment":"positive","sentiment_score":0.4133252426981926}],"sentiment":"positive","sentiment_score":0.4133252426981926,"channel":1,"num_words":2,"start":9.2,"end":9.44},{"sentences":[{"text":"you.","start":9.28,"end":9.78,"sentiment":"positive","sentiment_score":0.5353477001190186}],"sentiment":"positive","sentiment_score":0.5353477001190186,"channel":0,"num_words":1,"start":9.28,"end":9.78},{"sentences":[{"text":"the same time.","start":9.44,"end":10.179999,"sentiment":"neutral","sentiment_score":0.28486556311448413}],"sentiment":"neutral","sentiment_score":0.28486556311448413,"channel":1,"num_words":3,"start":9.44,"end":10.179999},{"sentences":[{"text":"I had yourself and Travis booked in to have a bit of a chat about your cash flow and budgeting.","start":10.24,"end":15.135,"sentiment":"neutral","sentiment_score":0.2118862695991993},{"text":"Is now still a good time there for 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purposes.","start":35.15,"end":41.245003,"sentiment":"neutral","sentiment_score":-0.04562455601990223},{"text":"Are you okay if we proceed with that?","start":41.245003,"end":43.105,"sentiment":"neutral","sentiment_score":-0.048033205326646566}],"sentiment":"neutral","sentiment_score":-0.046226718346588314,"channel":0,"num_words":32,"start":35.15,"end":43.105},{"sentences":[{"text":"Sorry.","start":43.954998,"end":44.435,"sentiment":"neutral","sentiment_score":-0.23484110832214355},{"text":"You just you cut out.","start":44.435,"end":45.555,"sentiment":"negative","sentiment_score":-0.34254000186920164},{"text":"Can you repeat that again, please?","start":45.555,"end":47.095,"sentiment":"neutral","sentiment_score":-0.18124320854743323}],"sentiment":"neutral","sentiment_score":-0.25291669741272926,"channel":1,"num_words":12,"start":43.954998,"end":47.095},{"sentences":[{"text":"Absolutely.","start":47.485,"end":47.985,"sentiment":"neutral","sentiment_score":-0.031158430501818657},{"text":"Sorry about that.","start":48.285,"end":49.325,"sentiment":"neutral","sentiment_score":-0.1360135575135549},{"text":"We do record our calls for quality and training purposes.","start":49.325,"end":51.645,"sentiment":"neutral","sentiment_score":0.03679651618003845},{"text":"Are you happy for us to proceed with 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it every week, and I work out what we need to pay over over the week or fortnight when we're getting paid, and","start":146.21,"end":152.92499,"sentiment":"neutral","sentiment_score":0.19171622874481337}],"sentiment":"neutral","sentiment_score":0.18938214406371118,"channel":1,"num_words":40,"start":142.77,"end":152.92499},{"sentences":[{"text":"Yep.","start":152.86499,"end":153.36499,"sentiment":"neutral","sentiment_score":0.20419704914093015}],"sentiment":"neutral","sentiment_score":0.20419704914093015,"channel":0,"num_words":1,"start":152.86499,"end":153.36499},{"sentences":[{"text":"that's how I work it 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interest rate that you are paying in those money loans do factor into the servicing, and it could make it harder to service a new loan.","start":411.98,"end":427.17502,"sentiment":"neutral","sentiment_score":-0.1239679807627743},{"text":"It","start":427.795,"end":428.035,"sentiment":"neutral","sentiment_score":-0.008175283670425415}],"sentiment":"neutral","sentiment_score":0.11552591450078395,"channel":0,"num_words":103,"start":397.565,"end":428.035},{"sentences":[{"text":"Okay.","start":427.88,"end":428.38,"sentiment":"neutral","sentiment_score":0.05999938026070595}],"sentiment":"neutral","sentiment_score":0.05999938026070595,"channel":1,"num_words":1,"start":427.88,"end":428.38},{"sentences":[{"text":"is definitely something having a chat with a mortgage broker and maybe looking at the options, have them sort of look at consolidating everything together, including those ZIP loans to show you what the interest rate might look like, how long it might last to pay everything down, what 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thing.","start":566.655,"end":577.08,"sentiment":"neutral","sentiment_score":0.20834019167555703},{"text":"But","start":577.3,"end":577.45996,"sentiment":"neutral","sentiment_score":0.24234747886657715}],"sentiment":"neutral","sentiment_score":0.25854182554916905,"channel":0,"num_words":55,"start":564.335,"end":577.45996},{"sentences":[{"text":"Yep.","start":577.45496,"end":577.95496,"sentiment":"positive","sentiment_score":0.40018773078918457}],"sentiment":"positive","sentiment_score":0.40018773078918457,"channel":1,"num_words":1,"start":577.45496,"end":577.95496},{"sentences":[{"text":"it's absolutely an option.","start":577.45996,"end":578.5,"sentiment":"positive","sentiment_score":0.5940192490816116},{"text":"There's no additional cost to that kind of advice.","start":578.5,"end":580.82,"sentiment":"positive","sentiment_score":0.5036624603801303},{"text":"It's part of what I do as a financial adviser for you.","start":580.82,"end":583.95996,"sentiment":"positive","sentiment_score":0.43486815442641574}],"sentiment":"positive","sentiment_score":0.48509827971458436,"channel":0,"num_words":25,"start":577.45996,"end":583.95996},{"sentences":[{"text":"Yep.","start":584.33496,"end":584.83496,"sentiment":"neutral","sentiment_score":0.27215221524238586}],"sentiment":"neutral","sentiment_score":0.27215221524238586,"channel":1,"num_words":1,"start":584.33496,"end":584.83496},{"sentences":[{"text":"It's just sort of one of the two options.","start":584.42,"end":586.27997,"sentiment":"neutral","sentiment_score":0.2784922305080626},{"text":"The best way to move forward is either to maybe look at speaking to a lender and seeing if you can maybe consolidate the loans and seeing if you can, you know, pay them down quicker that way, or we can do that personalized advice and look at maybe altering your budget, showing you where you might need to cut back to kinda pay that down a bit 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ZIP debt just showing the amount you have owing on both of those, I can","start":726.035,"end":733.8,"sentiment":"neutral","sentiment_score":0.13110975510087505}],"sentiment":"neutral","sentiment_score":0.13056415515510658,"channel":0,"num_words":38,"start":724.195,"end":733.8},{"sentences":[{"text":"Yep.","start":733.57996,"end":734.07996,"sentiment":"neutral","sentiment_score":0.18267861008644104}],"sentiment":"neutral","sentiment_score":0.18267861008644104,"channel":1,"num_words":1,"start":733.57996,"end":734.07996},{"sentences":[{"text":"go back and do a little bit of an advice document or even just a strategy paper showing you a couple of options on what you could probably do to help pay that down a little bit 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and I do like to clarify because I do kinda go through and scale your budget, and I might tell you to sort of knock that.","start":852.335,"end":866.41003,"sentiment":"neutral","sentiment_score":0.11105876956735888}],"sentiment":"neutral","sentiment_score":0.1162329181818895,"channel":0,"num_words":71,"start":848.66,"end":866.41003},{"sentences":[{"text":"That's why I might do it as a strategy paper and give you a couple of different different options and show you how it can work with the budget, because I can get a little bit in-depth and take things away that all reduce","start":866.41003,"end":876.43005,"sentiment":"neutral","sentiment_score":0.17115312222052703}],"sentiment":"neutral","sentiment_score":0.17115312222052703,"channel":0,"num_words":44,"start":866.41003,"end":876.43005},{"sentences":[{"text":"Yeah.","start":875.985,"end":876.485,"sentiment":"neutral","sentiment_score":0.02558251656591892}],"sentiment":"neutral","sentiment_score":0.02558251656591892,"channel":1,"num_words":1,"start":875.985,"end":876.485},{"sentences":[{"text":"things that you might actually want.","start":876.49005,"end":878.325,"sentiment":"neutral","sentiment_score":0.022248292341828346},{"text":"Is","start":878.565,"end":878.72504,"sentiment":"neutral","sentiment_score":0.01256062649190426}],"sentiment":"neutral","sentiment_score":0.020864340077553476,"channel":0,"num_words":7,"start":876.49005,"end":878.72504},{"sentences":[{"text":"Yeah.","start":878.70496,"end":879.20496,"sentiment":"neutral","sentiment_score":0.006059121340513229}],"sentiment":"neutral","sentiment_score":0.006059121340513229,"channel":1,"num_words":1,"start":878.70496,"end":879.20496},{"sentences":[{"text":"there anything there that might be seen as discretionary that for you guys is a nonnegotiable?","start":878.72504,"end":882.825,"sentiment":"neutral","sentiment_score":-0.029202612000517547},{"text":"You do not want me to look at removing or altering in any way, shape, or form.","start":883.205,"end":887.305,"sentiment":"neutral","sentiment_score":-0.12252360385130434}],"sentiment":"neutral","sentiment_score":-0.07727706234789256,"channel":0,"num_words":33,"start":878.72504,"end":887.305},{"sentences":[{"text":"No problem.","start":888.305,"end":888.96497,"sentiment":"neutral","sentiment_score":0.05841168574988842},{"text":"No.","start":889.02496,"end":889.18494,"sentiment":"neutral","sentiment_score":0.02753717079758644},{"text":"Going to good.","start":889.345,"end":890.14496,"sentiment":"neutral","sentiment_score":0.10968680679798126},{"text":"Just yeah.","start":890.14496,"end":890.885,"sentiment":"neutral","sentiment_score":0.07222910597920418}],"sentiment":"neutral","sentiment_score":0.07723489683121443,"channel":1,"num_words":8,"start":888.305,"end":890.885},{"sentences":[{"text":"Yep.","start":891.54004,"end":892.04004,"sentiment":"neutral","sentiment_score":0.09982053935527802},{"text":"That's okay.","start":892.9,"end":893.80005,"sentiment":"neutral","sentiment_score":0.10209989175200462},{"text":"No.","start":897.22003,"end":897.54004,"sentiment":"neutral","sentiment_score":-0.02095773071050644},{"text":"That's okay.","start":897.54004,"end":898.26,"sentiment":"neutral","sentiment_score":0.013186624273657799},{"text":"I'll have a bit of a look.","start":898.26,"end":899.14,"sentiment":"neutral","sentiment_score":0.04196279762046678}],"sentiment":"neutral","sentiment_score":0.04639810954148953,"channel":0,"num_words":13,"start":891.54004,"end":899.14},{"sentences":[{"text":"I'll do it up as a bit of a strategy paper.","start":899.14,"end":901.06,"sentiment":"neutral","sentiment_score":0.29478639499707654},{"text":"So it'll essentially say, look.","start":901.06,"end":902.42004,"sentiment":"neutral","sentiment_score":0.2139948546886444},{"text":"These are a couple of different options on how you can alter your current budget to help pay these debts down, how long it might take you to pay those down, and you can kind of go from there and let me know, you know, what you wanna do.","start":902.42004,"end":915.415,"sentiment":"positive","sentiment_score":0.33897289025540256},{"text":"The hardest thing about cash on budgeting, the easy part for me is doing that up for you.","start":915.415,"end":919.70996,"sentiment":"neutral","sentiment_score":0.023333614588611655},{"text":"The hardest part is implementing it.","start":919.70996,"end":921.89,"sentiment":"neutral","sentiment_score":-0.10753977919618289}],"sentiment":"neutral","sentiment_score":0.23255126548700789,"channel":0,"num_words":89,"start":899.14,"end":921.89},{"sentences":[{"text":"So","start":922.19,"end":922.43,"sentiment":"neutral","sentiment_score":-0.02188396453857422}],"sentiment":"neutral","sentiment_score":-0.02188396453857422,"channel":0,"num_words":1,"start":922.19,"end":922.43},{"sentences":[{"text":"Yeah.","start":922.37,"end":922.87,"sentiment":"neutral","sentiment_score":0.14418350160121918}],"sentiment":"neutral","sentiment_score":0.14418350160121918,"channel":1,"num_words":1,"start":922.37,"end":922.87},{"sentences":[{"text":"moving forward, we can always, you know, check-in and see how you're going and kinda help you out.","start":922.43,"end":926.69,"sentiment":"neutral","sentiment_score":0.2749960886107551},{"text":"But that is always honest with everyone.","start":926.91,"end":928.83,"sentiment":"neutral","sentiment_score":0.0867486053279468},{"text":"That is the hardest part with cash on budgeting is getting the the strategy back and then implementing it.","start":928.83,"end":933.95,"sentiment":"neutral","sentiment_score":-0.2154993187440069},{"text":"Because as you said, you've got kids, and life gets in the way, and everything can go upside down at times.","start":933.95,"end":939.625,"sentiment":"neutral","sentiment_score":-0.3285593475614275}],"sentiment":"neutral","sentiment_score":-0.08364713111749063,"channel":0,"num_words":65,"start":922.43,"end":939.625},{"sentences":[{"text":"Yep.","start":940.055,"end":940.555,"sentiment":"neutral","sentiment_score":0.10145437717437744}],"sentiment":"neutral","sentiment_score":0.10145437717437744,"channel":1,"num_words":1,"start":940.055,"end":940.555},{"sentences":[{"text":"But I'll do up the advice for you, and I'll show you what that looks like.","start":940.645,"end":943.84503,"sentiment":"positive","sentiment_score":0.38478233478963375},{"text":"As soon as I've got it ready, I'll let you know, and I'll send it to you so you can have a bit of a look at it, and then we can always touch base and have a really good chat around what it looks like, what it is, what it says, and let me know what your thoughts are there as well.","start":943.84503,"end":956.72003,"sentiment":"positive","sentiment_score":0.44062744151978267},{"text":"Okay?","start":956.72003,"end":957.22003,"sentiment":"neutral","sentiment_score":0.226654589176178}],"sentiment":"positive","sentiment_score":0.4267837595194578,"channel":0,"num_words":80,"start":940.645,"end":957.22003},{"sentences":[{"text":"Yes.","start":957.22,"end":957.54,"sentiment":"positive","sentiment_score":0.3919839560985565},{"text":"Great.","start":957.54,"end":957.77997,"sentiment":"positive","sentiment_score":0.5978839993476868},{"text":"And so do you, like, with with because I do like I said, like, with our pays and stuff, I get every time one or both of us get paid, I do it on a weekly to fortnightly basis.","start":957.77997,"end":966.075,"sentiment":"neutral","sentiment_score":0.2051004912608709},{"text":"Do you suggest doing it like that or and keeping it like that as we get paid, do the budget, see what's due over the next couple of fortnight and do it like that?","start":966.075,"end":973.215,"sentiment":"neutral","sentiment_score":0.1735038246740313}],"sentiment":"neutral","sentiment_score":0.19850556204716366,"channel":1,"num_words":75,"start":957.22,"end":973.215},{"sentences":[{"text":"Yeah.","start":973.71,"end":973.95,"sentiment":"neutral","sentiment_score":0.2467358559370041},{"text":"It is generally easier to do it on a weekly basis.","start":973.95,"end":976.61,"sentiment":"neutral","sentiment_score":0.33048598874698987},{"text":"If you I mean, with my so my my income is sort of the same as yourself.","start":977.23,"end":981.47,"sentiment":"neutral","sentiment_score":0.22853339156683752},{"text":"So I get paid one week.","start":981.47,"end":982.91,"sentiment":"neutral","sentiment_score":0.20664862046639124},{"text":"My husband is paid another week.","start":982.91,"end":984.61,"sentiment":"neutral","sentiment_score":0.2052487557133039}],"sentiment":"neutral","sentiment_score":0.24972033282605613,"channel":0,"num_words":41,"start":973.71,"end":984.61},{"sentences":[{"text":"So he gets paid it.","start":984.75,"end":985.775,"sentiment":"neutral","sentiment_score":0.2431038200855255},{"text":"Natalie, I get paid weekly.","start":985.775,"end":987.155,"sentiment":"neutral","sentiment_score":0.253353351354599},{"text":"It so it kinda does work a little bit the same for myself.","start":987.695,"end":990.355,"sentiment":"positive","sentiment_score":0.36573921602505904},{"text":"I kind of implement everything on a weekly basis, and when he gets paid for it, Natalie, I just move a certain amount of his pay to another account, and I keep that for the following week so I can work everything out completely weekly.","start":990.655,"end":1002.21,"sentiment":"neutral","sentiment_score":0.15883965012100007},{"text":"It does","start":1002.67004,"end":1003.07,"sentiment":"neutral","sentiment_score":0.22054094076156616}],"sentiment":"neutral","sentiment_score":0.21179659717849322,"channel":0,"num_words":70,"start":984.75,"end":1003.07},{"sentences":[{"text":"Yes.","start":1002.91504,"end":1003.23,"sentiment":"positive","sentiment_score":0.3679526150226593}],"sentiment":"positive","sentiment_score":0.3679526150226593,"channel":1,"num_words":1,"start":1002.91504,"end":1003.23},{"sentences":[{"text":"work out a lot easier that way, but it all just comes down to what you're comfortable with.","start":1003.07,"end":1008.51,"sentiment":"positive","sentiment_score":0.3883533891704347},{"text":"Obviously, working things out weekly means that you're working out a smaller repayment.","start":1008.51,"end":1012.05005,"sentiment":"neutral","sentiment_score":0.29314829409122467},{"text":"It gives you a little bit of leeway.","start":1012.515,"end":1013.79504,"sentiment":"neutral","sentiment_score":0.28595020622015},{"text":"If things change from one week to another, it's easier to kind of factor that in than it is on a fortnightly basis.","start":1013.79504,"end":1020.85504,"sentiment":"neutral","sentiment_score":0.23975312515445377},{"text":"So the way you are doing it sounds like you are doing it the best way.","start":1020.91504,"end":1024.375,"sentiment":"neutral","sentiment_score":0.32591061014682055}],"sentiment":"neutral","sentiment_score":0.30535618101175016,"channel":0,"num_words":78,"start":1003.07,"end":1024.375},{"sentences":[{"text":"Yep.","start":1024.715,"end":1025.035,"sentiment":"neutral","sentiment_score":0.16548822820186615},{"text":"Okay.","start":1025.035,"end":1025.535,"sentiment":"neutral","sentiment_score":0.2066047638654709}],"sentiment":"neutral","sentiment_score":0.18604649603366852,"channel":1,"num_words":2,"start":1024.715,"end":1025.535},{"sentences":[{"text":"Yeah.","start":1026.37,"end":1026.87,"sentiment":"neutral","sentiment_score":0.2873545289039612},{"text":"All good.","start":1027.3301,"end":1028.0701,"sentiment":"positive","sentiment_score":0.5260697901248932},{"text":"All good.","start":1028.93,"end":1029.3301,"sentiment":"positive","sentiment_score":0.5075852423906326},{"text":"Well, I'll get stuck into that research and have a bit of a look at what I can do.","start":1029.3301,"end":1032.2101,"sentiment":"neutral","sentiment_score":0.2027620908461119},{"text":"I'll do up a bit of a strategy paper for you with a few options on the cash flow and budgeting and how we can kinda get ZIP loan paid out.","start":1032.2101,"end":1038.755,"sentiment":"neutral","sentiment_score":0.14519717568351376}],"sentiment":"neutral","sentiment_score":0.19469557756727393,"channel":0,"num_words":55,"start":1026.37,"end":1038.755},{"sentences":[{"text":"The first thing I'll do is send you an email to both of you.","start":1038.755,"end":1041.5549,"sentiment":"neutral","sentiment_score":0.12029326174940382},{"text":"If you can just reply back and send me the the the latest statement with the ZIP the ZIP debt amount is how much you currently owe and the interest rates there, I can go back and have a really good look at things for you.","start":1041.5549,"end":1053.495,"sentiment":"neutral","sentiment_score":0.15727315697333086},{"text":"And I'll do up that email for you as well for the mortgage broker introduction, and it's up to you guys how you wanna proceed there.","start":1053.99,"end":1060.39,"sentiment":"neutral","sentiment_score":0.18617791109360182},{"text":"It does take me about a week or two to kinda get the strategy paper together and go through and do the research I need on the different options.","start":1060.39,"end":1066.5701,"sentiment":"neutral","sentiment_score":0.14172658067325067},{"text":"But as","start":1067.035,"end":1067.275,"sentiment":"neutral","sentiment_score":0.09583969041705132}],"sentiment":"neutral","sentiment_score":0.15436792131672558,"channel":0,"num_words":117,"start":1038.755,"end":1067.275},{"sentences":[{"text":"Yep.","start":1067.17,"end":1067.67,"sentiment":"neutral","sentiment_score":0.1032424420118332}],"sentiment":"neutral","sentiment_score":0.1032424420118332,"channel":1,"num_words":1,"start":1067.17,"end":1067.67},{"sentences":[{"text":"soon as I have it, I'll let you know.","start":1067.275,"end":1068.875,"sentiment":"neutral","sentiment_score":0.12753117001718944},{"text":"I'll send it to you guys, and then we can follow-up and have a chat about it.","start":1068.875,"end":1072.235,"sentiment":"neutral","sentiment_score":0.13271341998787486},{"text":"Okay?","start":1072.235,"end":1072.735,"sentiment":"neutral","sentiment_score":0.11993831396102904}],"sentiment":"neutral","sentiment_score":0.13051285125591136,"channel":0,"num_words":27,"start":1067.275,"end":1072.735},{"sentences":[{"text":"Yep.","start":1072.465,"end":1072.965,"sentiment":"neutral","sentiment_score":0.19240306317806244},{"text":"Sounds perfect.","start":1073.265,"end":1073.905,"sentiment":"positive","sentiment_score":0.617258608341217},{"text":"Thank you.","start":1073.905,"end":1074.645,"sentiment":"positive","sentiment_score":0.6387812793254852}],"sentiment":"positive","sentiment_score":0.5408965677022934,"channel":1,"num_words":5,"start":1072.465,"end":1074.645},{"sentences":[{"text":"All good.","start":1074.635,"end":1075.1951,"sentiment":"positive","sentiment_score":0.47899292409420013},{"text":"That's okay.","start":1075.1951,"end":1075.915,"sentiment":"neutral","sentiment_score":0.31122641265392303},{"text":"Do you have any other questions at all about anything or anything that you wanted me to look at for you guys?","start":1075.915,"end":1081.455,"sentiment":"neutral","sentiment_score":0.14861483668739145}],"sentiment":"neutral","sentiment_score":0.1865371184853407,"channel":0,"num_words":26,"start":1074.635,"end":1081.455},{"sentences":[{"text":"No.","start":1081.745,"end":1081.985,"sentiment":"neutral","sentiment_score":-0.13770870864391327},{"text":"Not at the moment.","start":1081.985,"end":1082.625,"sentiment":"neutral","sentiment_score":-0.17717832326889038},{"text":"That's about it, I think.","start":1082.625,"end":1083.75,"sentiment":"neutral","sentiment_score":-0.13900949358940123}],"sentiment":"neutral","sentiment_score":-0.1541469469666481,"channel":1,"num_words":10,"start":1081.745,"end":1083.75},{"sentences":[{"text":"No?","start":1083.6001,"end":1084.1001,"sentiment":"neutral","sentiment_score":-0.03722631186246872},{"text":"Yep.","start":1087.4401,"end":1087.9401,"sentiment":"neutral","sentiment_score":0.05389804393053055},{"text":"That's absolutely fine.","start":1090.0,"end":1092.42,"sentiment":"neutral","sentiment_score":0.1841048151254654},{"text":"Yeah.","start":1093.04,"end":1093.54,"sentiment":"neutral","sentiment_score":0.03698021173477173},{"text":"No.","start":1094.485,"end":1094.725,"sentiment":"neutral","sentiment_score":-0.07782748341560364}],"sentiment":"neutral","sentiment_score":0.07544841510908944,"channel":0,"num_words":7,"start":1083.6001,"end":1094.725},{"sentences":[{"text":"That's honestly not","start":1094.725,"end":1095.7649,"sentiment":"neutral","sentiment_score":-0.10467411080996196}],"sentiment":"neutral","sentiment_score":-0.10467411080996196,"channel":0,"num_words":3,"start":1094.725,"end":1095.7649},{"sentences":[{"text":"Yeah.","start":1095.67,"end":1096.17,"sentiment":"neutral","sentiment_score":-0.1415390521287918}],"sentiment":"neutral","sentiment_score":-0.1415390521287918,"channel":1,"num_words":1,"start":1095.67,"end":1096.17},{"sentences":[{"text":"a problem at all.","start":1095.7649,"end":1097.3049,"sentiment":"neutral","sentiment_score":-0.1336550172418356},{"text":"You'll also both have my direct email.","start":1097.605,"end":1099.605,"sentiment":"neutral","sentiment_score":0.22323346776621683},{"text":"So if there's anything you need, let me know.","start":1099.605,"end":1101.845,"sentiment":"neutral","sentiment_score":0.22360403339068094},{"text":"Happy for you to email me through and say we need a conversation or you've got some additional questions.","start":1101.845,"end":1105.7649,"sentiment":"positive","sentiment_score":0.47910179433069733},{"text":"It doesn't know what those questions are.","start":1105.7649,"end":1107.5449,"sentiment":"neutral","sentiment_score":0.1357949429324695}],"sentiment":"neutral","sentiment_score":0.284651069537453,"channel":0,"num_words":46,"start":1095.7649,"end":1107.5449},{"sentences":[{"text":"It doesn't no question's too silly or too small.","start":1108.13,"end":1110.47,"sentiment":"neutral","sentiment_score":0.08375631852282418},{"text":"If it's in your mind and you wanna answer, the email to me, and I'll see what I can do to help you guys.","start":1110.5299,"end":1114.85,"sentiment":"positive","sentiment_score":0.3382720574736595},{"text":"Okay.","start":1114.85,"end":1115.35,"sentiment":"neutral","sentiment_score":0.2833878993988037}],"sentiment":"neutral","sentiment_score":0.2692860042785897,"channel":0,"num_words":34,"start":1108.13,"end":1115.35},{"sentences":[{"text":"No worries.","start":1115.77,"end":1116.3301,"sentiment":"positive","sentiment_score":0.38071541488170624},{"text":"Thank you very much.","start":1116.3301,"end":1117.31,"sentiment":"positive","sentiment_score":0.7873075604438782}],"sentiment":"positive","sentiment_score":0.6517768452564875,"channel":1,"num_words":6,"start":1115.77,"end":1117.31},{"sentences":[{"text":"That's okay.","start":1117.7069,"end":1118.4269,"sentiment":"positive","sentiment_score":0.6496693193912506},{"text":"Thank you so much for your time.","start":1118.4269,"end":1119.7069,"sentiment":"positive","sentiment_score":0.8552261931555611},{"text":"I hope you both have a lovely evening.","start":1119.7069,"end":1121.5669,"sentiment":"positive","sentiment_score":0.8142725825309753}],"sentiment":"positive","sentiment_score":0.8117707441834843,"channel":0,"num_words":17,"start":1117.7069,"end":1121.5669},{"sentences":[{"text":"You too.","start":1122.0901,"end":1122.7301,"sentiment":"positive","sentiment_score":0.6332511305809021},{"text":"Thanks.","start":1122.7301,"end":1123.2101,"sentiment":"positive","sentiment_score":0.6607987880706787},{"text":"Bye.","start":1123.2101,"end":1123.7101,"sentiment":"positive","sentiment_score":0.4406256079673767}],"sentiment":"positive","sentiment_score":0.5919816642999649,"channel":1,"num_words":4,"start":1122.0901,"end":1123.7101},{"sentences":[{"text":"Thanks, guys.","start":1124.1069,"end":1124.7468,"sentiment":"positive","sentiment_score":0.710387647151947},{"text":"See you later.","start":1124.7468,"end":1125.4669,"sentiment":"positive","sentiment_score":0.6295639673868815},{"text":"Bye.","start":1125.4669,"end":1125.9669,"sentiment":"neutral","sentiment_score":-0.11305321753025056}],"sentiment":"positive","sentiment_score":0.5327356631557146,"channel":0,"num_words":6,"start":1124.1069,"end":1125.9669}]},"summary":{"result":"success","short":"The agent from OT Financial discusses consolidating ZIP accounts and mortgage loans into one loan and suggests looking at consolidating debts into a mortgage to save on interest rates and reduce monthly payments. They also suggest consolidating ZIP loans into a new loan and offer personal advice for saving money. The agent emphasizes the importance of a budget and offers to provide a budget planner. They also offer personal advice and research to help the customer with budgeting and suggest looking at consolidating ZIP loans into a new loan to save money. The agent emphasizes the importance of a budget and offers to follow up with the customer and provide more information."},"intents":{"segments":[{"text":"I had yourself and Travis booked in to have a bit of a chat about your cash flow and budgeting. Is now still a good time there for you? Yeah. Absolutely.","start_word":33,"end_word":63,"intents":[{"intent":"Discuss cash flow and budgeting","confidence_score":0.40706763}]},{"text":"Thank you so much for that. I had a bit of a look through the file there, and I can see you wanted to sort of talk about the the cash on the budget plan. From what I understand, you're wanting to look at just consolidating some things. But how can I help you both?","start_word":235,"end_word":289,"intents":[{"intent":"Consolidate financial resources","confidence_score":0.0003080775}]},{"text":"So with them charging interest, what are they charging your interest at on the Zip loan? Are they have they told you what the interest rate is?","start_word":774,"end_word":800,"intents":[{"intent":"Discuss interest rate options","confidence_score":0.058204133}]},{"text":"I could look at doing some personalized advice on helping you to kinda pay down all of these debts, or if you're wanting to sort of look at consolidating, maybe have a look at your mortgage, maybe look at kinda consolidate your debts into one repayment, we could refer you through to one of our local mortgage brokers who are fantastic.","start_word":1050,"end_word":1110,"intents":[{"intent":"Consolidate debts","confidence_score":0.60852635},{"intent":"Refer to local mortgage brokers","confidence_score":0.015030068}]},{"text":"do we do actually want to refinance. We we we want to see whether it's beneficial for us to put both of our loan like, our mortgage loans back together because they've got a big portion on a on a variable rate and a small portion of, like, in and off debt alone.","start_word":1201,"end_word":1253,"intents":[{"intent":"Obtain loan refinance","confidence_score":0.00014504555}]},{"text":"at doing a top up so we can we've got payments sorted. Yeah.","start_word":1308,"end_word":1320,"intents":[{"intent":"Plan top up loan","confidence_score":0.05069702}]},{"text":"Because the reason I'm sort of suggesting we maybe look at consolidating the Zip money and the Zip loans into your mortgage is that if you're paying a 12 to 13% interest rate there, if your mortgage is only at five or even 6% with the current interest rates that are, you're actually saving the interest.","start_word":1363,"end_word":1418,"intents":[{"intent":"Discuss saving interest rates","confidence_score":0.00048155757}]},{"text":"Paying a lesser interest rate and consolidating into your mortgage means you're paying it all back at one. It would definitely be beneficial when you pay off those zips to completely close them as well because having them open sort of in time, you'd use them a bit more regularly. Yeah.","start_word":1432,"end_word":1482,"intents":[{"intent":"Consolidate and reduce debts","confidence_score":0.006319351}]},{"text":"That frees up that extra money for you, and you can start putting that into your offset account and having it as savings. But Yeah.","start_word":1847,"end_word":1871,"intents":[{"intent":"Resolve debt","confidence_score":0.0011051688}]},{"text":"Are you finding that you do sort of have that amount available, or is it sort of less that you're finding is available at the end of the week when you can No.","start_word":2598,"end_word":2630,"intents":[{"intent":"Determine if a budget is available","confidence_score":0.00013728566}]},{"text":"With the referral, I send an email to you and to the mortgage broker, and then they tend to email you to organize a day to be able to call and sort of have that initial conversation. Are Yep.","start_word":3072,"end_word":3110,"intents":[{"intent":"Send email","confidence_score":0.49886757}]},{"text":"you comfortable with me providing them with just some basic information, your name, your email address, Yeah.","start_word":3111,"end_word":3127,"intents":[{"intent":"Provide information","confidence_score":0.20158114}]},{"text":"And when I sorta do the the strategy paper and look at sort of the different options that you might have to be able to pay the the ZipDebt back as quickly as possible, I do and I do like to clarify because I do kinda go through and scale your budget, and I might tell you to sort of knock that.","start_word":3225,"end_word":3286,"intents":[{"intent":"Clarify plan","confidence_score":0.03157553},{"intent":"Clarify options","confidence_score":0.45507804},{"intent":"Clarify payment method","confidence_score":0.0019121123}]},{"text":"I'll do it up as a bit of a strategy paper. So it'll essentially say, look. These are a couple of different options on how you can alter your current budget to help pay these debts down, how long it might take you to pay those down, and you can kind of go from there and let me know, you know, what you wanna do.","start_word":3395,"end_word":3459,"intents":[{"intent":"Implement strategy","confidence_score":0.79608476}]},{"text":"These are a couple of different options on how you can alter your current budget to help pay these debts down, how long it might take you to pay those down, and you can kind of go from there and let me know, you know, what you wanna do.","start_word":3410,"end_word":3458,"intents":[{"intent":"Update budget","confidence_score":0.0064165085}]},{"text":"As soon as I've got it ready, I'll let you know, and I'll send it to you so you can have a bit of a look at it, and then we can always touch base and have a really good chat around what it looks like, what it is, what it says, and let me know what your thoughts are there as well. Okay?","start_word":3567,"end_word":3630,"intents":[{"intent":"Share thoughts","confidence_score":0.004469026}]},{"text":"As soon as I've got it ready, I'll let you know, and I'll send it to you so you can have a bit of a look at it, and then we can always touch base and have a really good chat around what it looks like, what it is, what it says, and let me know what your thoughts are there as well. Okay? Yes.","start_word":3567,"end_word":3631,"intents":[{"intent":"Send advice","confidence_score":0.12632708}]},{"text":"I kind of implement everything on a weekly basis, and when he gets paid for it, Natalie, I just move a certain amount of his pay to another account, and I keep that for the following week so I can work everything out completely weekly.","start_word":3771,"end_word":3815,"intents":[{"intent":"Implement everything","confidence_score":0.4926995},{"intent":"Work out weekly","confidence_score":0.8727659},{"intent":"Work out monthly","confidence_score":0.11074652}]},{"text":"So the way you are doing it sounds like you are doing it the best way. Yep.","start_word":3880,"end_word":3896,"intents":[{"intent":"Find the best way","confidence_score":0.000076129116}]},{"text":"I'll do up a bit of a strategy paper for you with a few options on the cash flow and budgeting and how we can kinda get ZIP loan paid out.","start_word":3922,"end_word":3952,"intents":[{"intent":"Use strategy paper","confidence_score":0.0021626956}]},{"text":"The first thing I'll do is send you an email to both of you.","start_word":3953,"end_word":3966,"intents":[{"intent":"Send email","confidence_score":0.0027547234}]},{"text":"soon as I have it, I'll let you know. I'll send it to you guys, and then we can follow-up and have a chat about it. Okay?","start_word":4071,"end_word":4097,"intents":[{"intent":"Follow-up","confidence_score":0.025099825}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Charlene. This is Dana from OT Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.18959544599056244},{"text":"I'm good, Ben. How are you? I'm I'm very I'm well. Thank trying to you.","start_word":14,"end_word":28,"sentiment":"positive","sentiment_score":0.5184519290924072},{"text":"get the same time. I had yourself and Travis booked in to have a bit of a chat about your cash flow and budgeting. Is now still a good time there for you? Yeah. Absolutely. He can you hear traffic? Yeah. I can hear you. Can you hear me then? Yep. I can. Yeah.","start_word":29,"end_word":82,"sentiment":"neutral","sentiment_score":0.15992741286754608},{"text":"Perfect.","start_word":83,"end_word":83,"sentiment":"positive","sentiment_score":0.353162944316864},{"text":"Yeah. How's your day been?","start_word":84,"end_word":88,"sentiment":"neutral","sentiment_score":0.2068016827106476},{"text":"Nice.","start_word":89,"end_word":89,"sentiment":"positive","sentiment_score":0.4084970951080322},{"text":"Nice. Well, I'll tell him to take up too much of your time. I've got your budget planner here, and thank you so much for completing it and sending it back. Before I jump into the call, I do have to let you both know we do record our calls for quality and training purposes. Are you okay if we proceed with that? Sorry.","start_word":90,"end_word":153,"sentiment":"neutral","sentiment_score":-0.02277422696352005},{"text":"You just you cut out.","start_word":154,"end_word":158,"sentiment":"negative","sentiment_score":-0.3369472026824951},{"text":"Can you repeat that again, please? Absolutely. Sorry about that. We do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yes. Yes. Yep. Beautiful. And as for the security, I'll just get you to confirm your full name, date of birth, and address I should have on file. Just one of Yep. you is fine. Yeah. Charlene Ray. 1985, and address 11 Beautiful. Wilkins Crescent, Bruin. Beautiful.","start_word":159,"end_word":234,"sentiment":"neutral","sentiment_score":0.061447836458683014},{"text":"Thank you so much for that.","start_word":235,"end_word":240,"sentiment":"positive","sentiment_score":0.46124517917633057},{"text":"I had a bit of a look through the file there, and I can see you wanted to sort of talk about the the cash on the budget plan. From what I understand, you're wanting to look at just consolidating some things. But how can I help you both? What were you sort of after? Okay. Well, we've got so at the moment, we've got we're just finding that we haven't got much finances freed up after our pay each week, and we're wanting to maybe we've got a ZIP a ZIP account that we maybe wanna clear with a personal loan and then but also we wanna have a look at our mortgage. We have mortgage over two accounts at the moment, like an off credit account and a and a another account. And we're wondering whether Yep. that it would be beneficial for us to combine that and make it as one one loan rather than two, and if that would help us with finances as well. Yeah. Absolutely. What's your interest rate you're paying at the moment on those loans on the the mortgages? 5.97%. Nine seven percent. Not a problem at all. Yeah. Because having a bit of a look at things I mean, with the budget plan that you've given me here, having gone kinda gone through it all, you do have a bit of surplus cash available. So do you guys kinda work your budget out on a weekly or fortnightly basis? How do you sort of budget for everything? Yeah. Well, so Travis gets paid weekly, and I get paid fortnightly. So I literally I do it every week, and I work out what we need to pay over over the week or fortnight when we're getting paid, and Yep. that's how I work it out. Yeah. Absolutely. Looking at the way things are structured because at the moment, based on the budget plan here, you have about a $118 on a weekly basis surplus, but are you sort of finding that it's not really working out that way, that it's a little bit tighter than what it looks like? It it has been. Yeah. Like, we've freed up a little bit now because what I did was I I reduced our payments that I was paying off our ZIP. So I increased our ZIP for payment so I could pay off pay that off quicker so we could kinda free up our free up that money a bit quicker, but it's it's kind of got went a bit about backwards and had given us no no extra money. So I was backed that back off again, but ZIP has recently Yeah.","start_word":241,"end_word":689,"sentiment":"neutral","sentiment_score":-0.001382016083681935},{"text":"changed and started charging us interest on it. So it feels like we're not getting anywhere with it.","start_word":690,"end_word":707,"sentiment":"negative","sentiment_score":-0.5598707795143127},{"text":"Yeah. So it's either I asked the payments again, and we have nothing, you know, nothing left in the budget each week and each fortnight and just try and manage that until, you know, until we pay it off, which isn't gonna be for the next six to eight months on the Yeah.","start_word":708,"end_word":760,"sentiment":"neutral","sentiment_score":-0.16697898675810616},{"text":"repayments I was having. And it's it's just not working.","start_word":761,"end_word":770,"sentiment":"negative","sentiment_score":-0.5235686302185059},{"text":"Yeah. No. Understandable. So with them charging interest, what are they charging your interest at on the Zip loan? Are they have they told you what the interest rate is? I've got it here. One sec. So there's Yeah. You're two right. because we've got two we've got, like, a Zip Money account and a Zip Pay account. There's two of them. Okay. And we normally because what we normally do is we normally kind of use it over the, like, last I don't know how many years. We've used it as, like, our savings, like, Christmas and stuff, and I normally pay it. I I I normally buy Christmas presents and things on it every year, and then I pay it off before the next Christmas. And we just keep utilizing that, but because they've now changed Yeah. it and put interest on it, it's really starting to impact Absolutely. And that interest rate would be certainly higher than what you us. have Yeah. on your I mortgage think it's or something any kind of like personal well, loan. I yeah. I think it's, like, double that. I think it's something like 12 or 13% or something. It's a ridiculous Okay. Yeah. amount. Yeah. Yeah.","start_word":771,"end_word":976,"sentiment":"neutral","sentiment_score":-0.05192294344305992},{"text":"That's basically the same as the sort of interest rate you'd be paying on, like, an unsecured personal loan or something, which is pretty high. And if you're paying that over the next sort of six to eight months, it's definitely gonna impact you. You end up paying basically almost double what you probably borrowed in the first place.","start_word":977,"end_word":1035,"sentiment":"negative","sentiment_score":-0.4221383035182953},{"text":"There's one or sort of two options that we can maybe look at. I could look at doing some personalized advice on helping you to kinda pay down all of these debts, or if you're wanting to sort of look at consolidating, maybe have a look at your mortgage, maybe look at kinda consolidate your debts into one repayment, we could refer you through to one of our local mortgage brokers who are fantastic. They could have a look at your borrowing capacity, look at what it might look like if your loans were all consolidated into one to make it one repayment instead of all, you know, seven repayments. Which way would you sort of prefer to go? Would you like to look at the more the mortgage broker side of things first and see if you can consolidate everything quicker? Well, I don't we don't really wanna put the ZIP on the mortgage. We we're trying Okay. to avoid that. But we Yeah. do we do actually want to refinance. We we we want to see whether it's beneficial for us to put both of our loan like, our mortgage loans back together because they've got a big portion on a on a variable rate and a small portion of, like, in and off debt alone. So what we're Yeah. wondering whether that's beneficial for us or if we should have it in the one loan, just pay off the one like, if it's gonna cost us less to pay off just one loan repayment for that mortgage instead of having the two mortgages. And we're also Yeah. looking Absolutely. at doing a top up so we can we've got payments sorted. Yeah.","start_word":1036,"end_word":1320,"sentiment":"neutral","sentiment_score":0.1435266213589593},{"text":"That's a plus. It's just yeah.","start_word":1321,"end_word":1326,"sentiment":"positive","sentiment_score":0.3639017641544342},{"text":"If we can get a top up loan or something. With that, yeah, with that refinancing mortgage to try and build our deck as well. Yep. No worries. They want a little bit extra money there. Because the reason I'm sort of suggesting we maybe look at consolidating the Zip money and the Zip loans into your mortgage is that if you're paying a 12 to 13% interest rate there, if your mortgage is only at five or even 6% with the current interest rates that are, you're actually saving the interest. So you could technically be lowering the amount you have to repay. Paying a lesser interest rate and consolidating into your mortgage means you're paying it all back at one.","start_word":1327,"end_word":1448,"sentiment":"neutral","sentiment_score":0.2316382681248618},{"text":"It would definitely be beneficial when you pay off those zips to completely close them as well because having them open sort of in time, you'd use them a bit more regularly.","start_word":1449,"end_word":1480,"sentiment":"positive","sentiment_score":0.4294624924659729},{"text":"Yeah.","start_word":1481,"end_word":1481,"sentiment":"neutral","sentiment_score":0.23138538002967832},{"text":"But consolidating it into one loan and and including those those ZIP loans and the ZIP payments into your mortgage could have the interest rate realistically, reduce the amount you have to pay back, maybe even free up a little bit of cash for you as well.","start_word":1482,"end_word":1528,"sentiment":"positive","sentiment_score":0.400655061006546},{"text":"Because when you go to kinda look at your mortgage and if you're consolidating those mortgage payments and trying to sorta get a bit of top up money, the interest rate that you are paying in those money loans do factor into the servicing, and it could make it harder to service a new loan. It Okay. is definitely something having a chat with a mortgage broker and maybe looking at the options, have them sort of look at consolidating everything together, including those ZIP loans to show you what the interest rate might look like, how long it might last to pay everything down, what your regular repayment might look like as well.","start_word":1529,"end_word":1642,"sentiment":"neutral","sentiment_score":0.03337836265563965},{"text":"That way, it might free up a little bit of extra cash for you guys.","start_word":1643,"end_word":1657,"sentiment":"positive","sentiment_score":0.4538038671016693},{"text":"But then you can also get them to do up a bit of a quote and show you what it looks like if you don't consolidate those ZIP loans in there as well just to see what your cash flow looks like or how that might change. Does that make sense? It does. Yeah. But having that bit money on the mortgage, like, paying that over thirty years doesn't mean that we're paying a hell of a lot more than what the initial money like, that initial ZIP was. Yeah. No. It is it is sort of extending the payment over a longer period of time, but you are paying a lower interest rate. The other option is you try to increase the payments onto that ZIP loan with any extra free cash that you have. Like, if you have an extra 20 or 30 or $50 on a weekly basis, try and smash that in there as much as you possibly can to reduce that debt as quickly as possible. Once that is completely paid off to cancel and close it, that way it's no longer there.","start_word":1658,"end_word":1845,"sentiment":"neutral","sentiment_score":0.13784131407737732},{"text":"That frees up that extra money for you, and you can start putting that into your offset account and having it as savings.","start_word":1846,"end_word":1868,"sentiment":"positive","sentiment_score":0.6278408169746399},{"text":"But Yeah. it is a very high interest rate. And, I mean, I don't know how they work with the interest rates in those ZIP loans, but they could increase them or change them. They're sort of not normally fixed, and they're normally more variable rate and can increase and decrease depending on the cash rate and things like that. So there is a chance it could go up further in the future. Yeah. Okay. Yeah. And Bit of a tough I one. yes. And you were mentioning just helping with the budgeting side of things as well. Yes. So the other the other side of it, what I could do is I could look at doing some personal advice for you to maybe show you where you might need to or where you could cut back on your budget Yep. to free up some extra cash flow and where that could be utilized to help pay down that ZIP loan a bit faster and how that might look for you. It is it can get a little bit drastic depending on how far we need to go or how much you know, how quick you wanna pay that ZIP loan off or what the let you know, what the the total is that you owe at the moment. Yep.","start_word":1869,"end_word":2088,"sentiment":"neutral","sentiment_score":-0.04226113483309746},{"text":"But I am more than happy to do that.","start_word":2089,"end_word":2097,"sentiment":"positive","sentiment_score":0.5161903500556946},{"text":"If you'd like to, I just have to go back and do a bit more research, get the statements off you to show how much you owe total, what the interest rates are, and do all the math and calculation around that sort of thing.","start_word":2098,"end_word":2142,"sentiment":"neutral","sentiment_score":0.2140181660652161},{"text":"But Yep. it's absolutely an option. There's no additional cost to that kind of advice. It's part of what I do as a financial adviser for you.","start_word":2143,"end_word":2169,"sentiment":"positive","sentiment_score":0.4765796363353729},{"text":"Yep. It's just sort of one of the two options. The best way to move forward is either to maybe look at speaking to a lender and seeing if you can maybe consolidate the loans and seeing if you can, you know, pay them down quicker that way, or we can do that personalized advice and look at maybe altering your budget, showing you where you might need to cut back to kinda pay that down a bit quicker. It's up to you guys, though. Okay. Yeah. Well, as in March well, what essentially, they look at the That's it, I think. I was gonna look at the the mortgage. And then once we get more to figure on the mortgage, then go back to you with the budget and and work everything out that way. Yeah. Yep. Would that make sense? That's okay. Yeah. I mean, you Well, the would it other would it sort be of I was gonna say, would it be beneficial maybe just to give us I I'd like to in the meantime anyway, I'd like to have a budget and be able to continue paying that off just because I think it's gonna yeah. take a while to anyway go through a mortgage broker and try and figure out the other side of it even Yeah. when we might not even be lucky on that. But I would like a budget I would like to Yeah. have that budget then. Abs Yeah. absolutely. Is there a certain time frame? Because is it the ZIP debt that's sort of the one thing you're wanting to pay down quickly as possible free up that cash flow to be able to put Yeah. to other Well, things that's literally like holidays the only and the mortgage? yeah. Absolutely. Yep. Then it's, Yep. like, literally the only thing that we are spending a a big chunk of our money on at the moment besides the mortgage. So Yeah. Yeah. It's No. sort That's of what? 2 okay. $100 a week. So I think yeah. Because Yeah. we owe about 5,005 thousand 8 like, about 5,900 on it at the moment, and I was paying off 405 a fortnight. But I've just backed it off to 300 a fortnight now just to give us that bit of extra. So Yeah. No. That's okay. Not a problem at all. With the budget planner, as I kinda mentioned before, it does have, that surplus of about a $118 on a weekly basis based on the information I have here. Are you finding that you do sort of have that amount available, or is it sort of less that you're finding is available at the end of the week when you can No. sort of consider We have all of your yeah. It'll be around that, but having the four kids and things like that and then things pop up, it's not it yeah.","start_word":2170,"end_word":2661,"sentiment":"neutral","sentiment_score":0.061723857406314794},{"text":"It gives and it gives us nothing to put into savings.","start_word":2662,"end_word":2672,"sentiment":"negative","sentiment_score":-0.4309624135494232},{"text":"Like, we don't have any it's anything to put in a savings account. yeah. No. That's okay. So Not a problem at all. Not an issue. What I'll do, I know you guys sent through the budget plan. Are you able to send me via that email? Actually, I can email you after this. I'll send you an email from my email address. If you can reply back and send me just the latest statement of the ZIP debt just showing the amount you have owing on both of those, I can Yep. go back and do a little bit of an advice document or even just a strategy paper showing you a couple of options on what you could probably do to help pay that down a little bit quicker Yep. and give you some advice that way for cash flow and budgeting. And then did you want me to also organize maybe just a referral to the mortgage broker, or did you wanna look at this first? What would you what would you prefer? Well, with the mortgage broker, is that is that included in all, like, in what we're doing with our sweep and everything as well? Is that all included, or would that Yeah. be it? Yeah? No. Absolutely. So mortgage brokers aren't paid by the clients. They're paid by the banks that they write the loans for.","start_word":2673,"end_word":2904,"sentiment":"neutral","sentiment_score":0.08346811681985855},{"text":"So it is completely complimentary to speak to one of our lovely mortgage brokers.","start_word":2905,"end_word":2918,"sentiment":"positive","sentiment_score":0.40665945410728455},{"text":"Even if you don't wanna include the ZipDebt, you just wanna get the also, I can do this sort of strategy paper, all the advice to show you what your options are with paying that down a bit quicker here. If you're still wanting to look at consolidating your mortgage over, they can run the numbers and look at, you know, whether you've got borrowing capacity and give you a bit of an idea on what the repayments might look like, what the interest rates might look like that the banks are offering, and sort of see if they can help you there with regard to that. And Yep.","start_word":2919,"end_word":3027,"sentiment":"neutral","sentiment_score":0.17161166667938232},{"text":"as I mentioned, that's completely complimentary to you guys as well. It's part of our services to refer you across.","start_word":3028,"end_word":3047,"sentiment":"positive","sentiment_score":0.5417042374610901},{"text":"And if they do the loan, they get paid by the the lender. So Yeah.","start_word":3048,"end_word":3062,"sentiment":"neutral","sentiment_score":0.26131173968315125},{"text":"Okay. That'll be great too. Yeah.","start_word":3063,"end_word":3068,"sentiment":"positive","sentiment_score":0.6110330820083618},{"text":"yeah.","start_word":3069,"end_word":3069,"sentiment":"neutral","sentiment_score":0.3327435553073883},{"text":"Yeah. Perfect.","start_word":3070,"end_word":3071,"sentiment":"positive","sentiment_score":0.5666872262954712},{"text":"With the referral, I send an email to you and to the mortgage broker, and then they tend to email you to organize a day to be able to call and sort of have that initial conversation. Are Yep. you comfortable with me providing them with just some basic information, your name, your email address, Yeah. phone That's numbers, fine. just some basic Yeah. information Of course. on yourself? Yeah. Yep.","start_word":3072,"end_word":3142,"sentiment":"neutral","sentiment_score":0.1933479607105255},{"text":"Beautiful.","start_word":3143,"end_word":3143,"sentiment":"positive","sentiment_score":0.4929128289222718},{"text":"And would you like the email sent to both of you or just to one of you, or and who would be the most preferred for them to contact? Probably well, send the email to both. It's fine. But, yeah, Yep. it's probably best to contact me and because Travis is not really sure, like, not because he's all over the place on getting home from work and things like that too. Yeah. Yep. That's okay. Not a problem at all. And when I sorta do the the strategy paper and look at sort of the different options that you might have to be able to pay the the ZipDebt back as quickly as possible, I do and I do like to clarify because I do kinda go through and scale your budget, and I might tell you to sort of knock that. That's why I might do it as a strategy paper and give you a couple of different different options and show you how it can work with the budget, because I can get a little bit in-depth and take things away that all reduce Yeah. things that you might actually want. Is Yeah. there anything there that might be seen as discretionary that for you guys is a nonnegotiable? You do not want me to look at removing or altering in any way, shape, or form. No problem. No. Going to good. Just yeah. Yep. That's okay. No. That's okay. I'll have a bit of a look. I'll do it up as a bit of a strategy paper. So it'll essentially say, look.","start_word":3144,"end_word":3409,"sentiment":"neutral","sentiment_score":0.08385058884557925},{"text":"These are a couple of different options on how you can alter your current budget to help pay these debts down, how long it might take you to pay those down, and you can kind of go from there and let me know, you know, what you wanna do.","start_word":3410,"end_word":3458,"sentiment":"positive","sentiment_score":0.3403657078742981},{"text":"The hardest thing about cash on budgeting, the easy part for me is doing that up for you. The hardest part is implementing it. So Yeah. moving forward, we can always, you know, check-in and see how you're going and kinda help you out. But that is always honest with everyone. That is the hardest part with cash on budgeting is getting the the strategy back and then implementing it. Because as you said, you've got kids, and life gets in the way, and everything can go upside down at times. Yep.","start_word":3459,"end_word":3550,"sentiment":"neutral","sentiment_score":-0.04458683356642723},{"text":"But I'll do up the advice for you, and I'll show you what that looks like. As soon as I've got it ready, I'll let you know, and I'll send it to you so you can have a bit of a look at it, and then we can always touch base and have a really good chat around what it looks like, what it is, what it says, and let me know what your thoughts are there as well.","start_word":3551,"end_word":3629,"sentiment":"positive","sentiment_score":0.4229555428028106},{"text":"Okay?","start_word":3630,"end_word":3630,"sentiment":"neutral","sentiment_score":0.226654589176178},{"text":"Yes. Great.","start_word":3631,"end_word":3632,"sentiment":"positive","sentiment_score":0.4949339628219605},{"text":"And so do you, like, with with because I do like I said, like, with our pays and stuff, I get every time one or both of us get paid, I do it on a weekly to fortnightly basis. Do you suggest doing it like that or and keeping it like that as we get paid, do the budget, see what's due over the next couple of fortnight and do it like that? Yeah. It is generally easier to do it on a weekly basis. If you I mean, with my so my my income is sort of the same as yourself. So I get paid one week. My husband is paid another week. So he gets paid it. Natalie, I get paid weekly.","start_word":3633,"end_word":3756,"sentiment":"neutral","sentiment_score":0.2142486572265625},{"text":"It so it kinda does work a little bit the same for myself.","start_word":3757,"end_word":3769,"sentiment":"positive","sentiment_score":0.39067691564559937},{"text":"I kind of implement everything on a weekly basis, and when he gets paid for it, Natalie, I just move a certain amount of his pay to another account, and I keep that for the following week so I can work everything out completely weekly. It does Yes.","start_word":3770,"end_word":3817,"sentiment":"neutral","sentiment_score":0.16841141879558563},{"text":"work out a lot easier that way, but it all just comes down to what you're comfortable with.","start_word":3818,"end_word":3835,"sentiment":"positive","sentiment_score":0.3869669735431671},{"text":"Obviously, working things out weekly means that you're working out a smaller repayment. It gives you a little bit of leeway. If things change from one week to another, it's easier to kind of factor that in than it is on a fortnightly basis. So the way you are doing it sounds like you are doing it the best way. Yep. Okay. Yeah.","start_word":3836,"end_word":3898,"sentiment":"neutral","sentiment_score":0.26934176683425903},{"text":"All good. All good.","start_word":3899,"end_word":3902,"sentiment":"positive","sentiment_score":0.5157308578491211},{"text":"Well, I'll get stuck into that research and have a bit of a look at what I can do. I'll do up a bit of a strategy paper for you with a few options on the cash flow and budgeting and how we can kinda get ZIP loan paid out. The first thing I'll do is send you an email to both of you. If you can just reply back and send me the the the latest statement with the ZIP the ZIP debt amount is how much you currently owe and the interest rates there, I can go back and have a really good look at things for you. And I'll do up that email for you as well for the mortgage broker introduction, and it's up to you guys how you wanna proceed there. It does take me about a week or two to kinda get the strategy paper together and go through and do the research I need on the different options. But as Yep. soon as I have it, I'll let you know. I'll send it to you guys, and then we can follow-up and have a chat about it. Okay? Yep.","start_word":3903,"end_word":4098,"sentiment":"neutral","sentiment_score":0.15461452305316925},{"text":"Sounds perfect. Thank you. All good.","start_word":4099,"end_word":4104,"sentiment":"positive","sentiment_score":0.5789332389831543},{"text":"That's okay. Do you have any other questions at all about anything or anything that you wanted me to look at for you guys? No. Not at the moment. That's about it, I think. No? Yep. That's absolutely fine. Yeah. No. That's honestly not Yeah. a problem at all. You'll also both have my direct email. So if there's anything you need, let me know.","start_word":4105,"end_word":4169,"sentiment":"neutral","sentiment_score":0.07326887739965549},{"text":"Happy for you to email me through and say we need a conversation or you've got some additional questions.","start_word":4170,"end_word":4188,"sentiment":"positive","sentiment_score":0.4668499529361725},{"text":"It doesn't know what those questions are. It doesn't no question's too silly or too small. If it's in your mind and you wanna answer, the email to me, and I'll see what I can do to help you guys. Okay.","start_word":4189,"end_word":4229,"sentiment":"neutral","sentiment_score":0.23643063008785248},{"text":"No worries. Thank you very much. That's okay. Thank you so much for your time. I hope you both have a lovely evening. You too. Thanks. Bye. Thanks, guys. See you later.","start_word":4230,"end_word":4261,"sentiment":"positive","sentiment_score":0.709345281124115},{"text":"Bye.","start_word":4262,"end_word":4262,"sentiment":"neutral","sentiment_score":0.3046484589576721}],"average":{"sentiment":"neutral","sentiment_score":0.10768871455872037}}}}