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Speaker 1: This podcast is recorded on gaddigal Land always was, always

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Speaker 1: will be Aboriginal Land. Hey Chicks, I'm out and I'm

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Speaker 1: sal and this is two broad Chicks, the show that

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Speaker 1: shares tips and life that seems to make.

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Speaker 2: You reach in life. And welcome back baby, We're back

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Speaker 2: in Sydney. Can you tell? Can you hear the difference?

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Speaker 2: What we mean? Darling? We've picked up in English accent,

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Speaker 2: but no, it's good to be back. We're back, baby,

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Speaker 2: what's that? We are fucking back?

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Speaker 1: We're back and we've had some fresh epps in your

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Speaker 1: ear holes. But in terms of being back in the

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Speaker 1: studio since we landed fresh off the Eurobak and we

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Speaker 1: will have a whole episode coming very soon about Broke

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Speaker 1: Chicks Guide to Europe, we just need to like brain

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Speaker 1: dump it all out.

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Speaker 2: There's a lot, there's a lot of tips that we

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Speaker 2: could give, so we need to finesse and also like,

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Speaker 2: look at all the questions that you chicks have sentenced. Yeah,

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Speaker 2: and there's the yeah and.

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Speaker 1: The loads are mainly hangovers, aren't they always?

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Speaker 2: What was the thing that happened?

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Speaker 1: I need you to remember this that was on the

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Speaker 1: same vibes as when I said I fared at the Cambridge.

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Speaker 2: I can't remember, see this is the thing. And I

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Speaker 2: didn't fart. My my.

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Speaker 1: Chair strange, my chair scraped and I went to sound.

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Speaker 2: I was like, I fared.

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Speaker 1: I didn't see that the waiter bringing out our food

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Speaker 1: was right behind me, and he just stopped and looked

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Speaker 1: at me really disgusted, like really like.

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Speaker 2: More disgusted than someone should be.

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Speaker 1: If they overheard you say you farted, like my chair scraped, and.

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Speaker 2: And he didn't hear the chair scrape. We just heard that.

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Speaker 2: I fighted. It was so funny and then I just

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Speaker 2: like pissed myself and he's like, what is going on?

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Speaker 2: It was horrible. Anyway, that is coming through.

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Speaker 1: But today we are going to talk about the three

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Speaker 1: habits that are keeping you broke. And you guys love

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Speaker 1: the money epps, but the girlypop money epps. So that

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Speaker 1: girl finance is the key wheel and so we're going

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Speaker 1: to jump straight into that. But before we do, we

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Speaker 1: are going to talk about our obsession of the week.

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Speaker 2: These are my obsessions. All right, let's go, So what

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Speaker 2: are you obsessed with? Okay, this is so random, but

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Speaker 2: this is one of my comfort TikTok accounts that I

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Speaker 2: like to follow and enjoy. His account called the Nitro Bar,

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Speaker 2: and it's a coffee shop in Rhode Island. Oh I

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Speaker 2: think I know, I think I've seen this. Yeah, and

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Speaker 2: they have like an amazing TikTok strategy and they'll often

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Speaker 2: be like, Charlie XCX walks in, what are you going

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Speaker 2: to make her? And then the brusto will be like,

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Speaker 2: I'll make her a blueberry marcher with blah blah blah.

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Speaker 2: Or they'll be like, you're, ex, who did you dirty

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Speaker 2: walked in? What are you going to make? What was

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Speaker 2: that one? It'll be like something that would make you

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Speaker 2: shit your hairs in thirty seconds, Like it would be

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Speaker 2: something like that. That's my coffee every morning. Literally I'm like, oh,

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Speaker 2: so a nice latte. But anyway, the night Troba, they're

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Speaker 2: just like the team is so cute, the drinks and

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Speaker 2: food looks amazing, and I don't think it's in Rhode Island.

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Speaker 2: We'll put on the bucket leapt Yeah. I don't think

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Speaker 2: I ever really wanted to go to Rhode Island or

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Speaker 2: it was never, you know, like on my immediate hit list,

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Speaker 2: but I'm like, I feel like it is now because

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Speaker 2: I'd need to go be friends with them and eat

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Speaker 2: the delicious bagels. I wonder what they would make you.

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Speaker 2: What's yours?

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Speaker 1: Okay, this one's really simple, and it's basically like a

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Speaker 1: lazy girl beauty hack that I've started incorporating into my

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Speaker 1: routine because doing anything I put off for maybe like

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Speaker 1: two to three months.

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Speaker 2: Seventy five business days.

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Speaker 1: Yeah, and that includes moisturizing. Like moisturizing as a task

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Speaker 1: is just a massive pain in the ask your d

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Speaker 1: And so this hack is basically to incorporate oil in

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Speaker 1: the shower. So when you finish your shower, you put

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Speaker 1: body oil on when your skin is still wet and

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Speaker 1: then you dry. And my skin is so soft, and

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Speaker 1: I had this oil sitting next to my bed, as

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Speaker 1: like if I put it next to my bed, I'll

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Speaker 1: put it on before bed.

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Speaker 2: That wouldn't happen, well, because you don't want to put

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Speaker 2: an oil on and then get into bed.

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Speaker 1: But then as well, I don't want to put an

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Speaker 1: oil on and then put clothes on, So like when

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Speaker 1: is the good time to do it? Yeah, but like

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Speaker 1: it's really good to hydrate your skin, especially because we've

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Speaker 1: just had winter, so it's like, yeah.

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Speaker 2: But literally put it in the shower. Use your body

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Speaker 2: oil in the shower.

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Speaker 1: And you will be ready to slip and slide and

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Speaker 1: do the huler.

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Speaker 2: It is amazing. And a good body oil usually like

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Speaker 2: soaks in pretty quickly as well, so you have to

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Speaker 2: wait around for ages to your pjs on. Do you

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Speaker 2: know who does that? Kylie Jenner and Chloe Kardashian. I

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Speaker 2: remember seeing like a cliff On TikTok of them talking

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Speaker 2: about like their body moisturizer a routine or the shower

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Speaker 2: routine or something, and I swear they both said that

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Speaker 2: they do that, and then they both they follow up

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Speaker 2: with a moisturizer as well. But I think if you

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Speaker 2: struggle to put that into your routine, I haven't needed

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Speaker 2: in the shower. It's good. I like the Frank Bod

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Speaker 2: body oil, yes, but.

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Speaker 1: That one's really good. I used that to the last drop.

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Speaker 2: Yeah that was good. But yeah, So that's what I

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Speaker 2: would recommend everyone give a little go love it. It's

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Speaker 2: get into the episode, ah riety. So the three habits

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Speaker 2: keeping you break?

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Speaker 1: So these are like three very very easy, under the

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Speaker 1: radar things that we have all been guilty of. So

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Speaker 1: this is not a witch hunt.

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Speaker 2: This is a community of witches of black mind. This

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Speaker 2: is a coven. So this is not a witch hunt.

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Speaker 2: This is a witch coven of broke chicks.

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Speaker 1: And there's I reckon I have done all of these.

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Speaker 1: That's why the single one. Yeah, because we were like,

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Speaker 1: what are the three things that like? And you know what,

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Speaker 1: it's work in progress. Like you don't just immediately become

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Speaker 1: good at your finances.

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Speaker 2: It's a skill you go and you build.

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Speaker 1: So we'll get into the first one, and it is

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Speaker 1: the treat yourself mentality.

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Speaker 2: Yep.

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Speaker 1: So this is the first of the three habits that

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Speaker 1: are keeping you broke. And as much as I love

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Speaker 1: that scene in Parks and Wreck where they're going treat

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Speaker 1: yourself and it's like broken with your boyfriend, had a

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Speaker 1: bad day, it work, treat yourself, had a minor inconvenience,

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Speaker 1: treat yourself.

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Speaker 2: I love that and I do think it's true.

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Speaker 1: And I don't think this message and we'll go into it.

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Speaker 2: It's not saying you're never ever allowed to treat yourself, right,

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Speaker 2: So yeah, basically it's like you don't have to buy

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Speaker 2: yourself something to reward yourself every single time you feel

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Speaker 2: good or mad or sad or angry or happy. Yeah,

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Speaker 2: like it doesn't have to go like that doesn't have

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Speaker 2: to be your go to respond it's fun. I'll validate

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Speaker 2: your heat, like I'll validate you. But it's it's keeping,

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Speaker 2: it's keeping you broke. And I think that as well.

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Speaker 2: It's all a part of incorporating the treat yourself as

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Speaker 2: part of your budget. Yeah, and having that be one

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Speaker 2: small part because we can't have our entire budget just

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Speaker 2: going towards the essentials in life because that's boring, No,

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Speaker 2: And that's why a lot of people don't stick to

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Speaker 2: their budget because it's.

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Speaker 1: So regulated, it's so it's not going to anything that

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Speaker 1: fills your cup. And again, like we say, paying your

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Speaker 1: rent and paying your bills and all of that stuff

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Speaker 1: is very important, and like the best investment you make

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Speaker 1: is you know your rent because that's your home and

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Speaker 1: that's where you feel safe and you feel cozy and rested.

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Speaker 1: But you do need to have like your fun budget

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Speaker 1: or your treat your self budget. However, some that's when

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Speaker 1: it becomes blurred when we don't have a treat yourself budget,

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Speaker 1: or we just limit ourselves and then we just splur.

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Speaker 2: You don't give yourself a cap exactly.

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Speaker 1: I did see a stat that said that we are

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Speaker 1: willing to spend thirty percent more when we are sad.

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Speaker 2: How wild is that that adds up? Right? Where are

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Speaker 2: the results?

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Speaker 1: Yeah, so if you're shopping when you're sad, you will

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Speaker 1: spend thirty percent more on something suck to like treat

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Speaker 1: yourself or be like I deserve it and fucking mood.

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Speaker 2: Been there, done that multiple times. That's why it's so

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Speaker 2: important to know what your spending triggers are. Yeah, and

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Speaker 2: knowing that, Okay, I'm in a sad mood. Am I

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Speaker 2: buying this because I genuinely need it and genuinely want it?

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Speaker 2: Or am I depressed?

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Speaker 1: Can I talk about a treat yourself experience that we had?

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Speaker 2: Yeah? Sure, okay. The year was twenty twenty. Oh no,

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Speaker 2: COVID was hitting.

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Speaker 1: Our office had just been shut down. Sal and I

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Speaker 1: were in the Westfield food court. I was eating a luxA.

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Speaker 2: She was having some form of Mexican food. Sounds about right.

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Speaker 2: We weren't speaking for.

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Speaker 1: About an hour because the existential crisis valid was real.

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Speaker 2: This was like the fifteenth of March twenty twenty or something.

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Speaker 1: And after maybe thirty minutes of silence of just eating

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Speaker 1: our food and being like, what's going on? So goes,

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Speaker 1: We've got to go to Mecca. I've got to control something.

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Speaker 2: So we went to Mecca the day before we went

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Speaker 2: into lockdown. And so just like I bought like a

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Speaker 2: colorful eyeshadow palett. Yeah, I didn't use that literally by

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Speaker 2: the time I was able to like get out of

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Speaker 2: the expired, Like I really should have bought like a

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Speaker 2: face mask or something. How were you supposed to know

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Speaker 2: that we were about to be lost up the pandemic?

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Speaker 2: That is an example want to treat yourself mom. I

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Speaker 2: also thought.

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Speaker 1: It was really cool because part of this study though,

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Speaker 1: which I think we could lean into maybe the emotional

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Speaker 1: spending the videos, is that it was also talking about

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Speaker 1: the happy emotions that come with shopping, but not from

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Speaker 1: spending but from rejecting items.

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Speaker 2: Yeah, that it.

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Speaker 1: Was like people feel really happy to be like no,

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Speaker 1: I don't want that. Yeah, But I was like, maybe

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Speaker 1: we need to lean into that. And that's something that

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Speaker 1: you can incorporate if you are a bit of a

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Speaker 1: treat yourself girly being like do you know what? And

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Speaker 1: that's why like the pinterest shopping is good. And also

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Speaker 1: the wishless shopping is good.

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Speaker 2: Yeah.

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Speaker 1: So it's like when you just add things to your

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Speaker 1: wishless not to your cart, or when you make a

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Speaker 1: Pinterests board and it like swaps out and you still.

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Speaker 2: Get that Like, but it's like window shopping. Yeah, yeah,

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Speaker 2: oh my god, that's so true, because you know what,

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Speaker 2: there's We've said this before, but there really is no

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Speaker 2: better feeling than walking away from a purchase and then

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Speaker 2: a week later being like, I'm so glad I didn't

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Speaker 2: buy it the best.

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Speaker 1: And there's nothing worse than when you do buy something

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Speaker 1: and you think about it and you're.

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Speaker 2: Like, fuck, I really shouldn't have bought that. Yeah.

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Speaker 1: Yeah, And I think there are ways to treat yourself

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Speaker 1: that won't keep you broke, like splurging mindfully, like actually

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Speaker 1: being like I've wanted this for ages and I have

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Speaker 1: saved a little bit or been like I know that

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Speaker 1: I've wanted this. This isn't like a knee jerk reaction. Yeah,

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Speaker 1: And knowing those purchases, if it's something that's come to

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Speaker 1: you within twenty four hours and it's really backed by

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Speaker 1: an emotion or something like that, you know that it's

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Speaker 1: a bit of an impulse buy. I think also what

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Speaker 1: helps me is thinking about what the amount could alternatively buy.

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Speaker 2: Yeah, so if it's like, you know.

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Speaker 1: Two hundred dollars, two hundred dollars is my groceries for

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Speaker 1: the week? Yeah, versus like this one thing and like

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Speaker 1: do I already own something like it? Yeah?

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Speaker 2: Do I already have something that serves that same purpose.

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Speaker 1: Exactly one hundred percent? And then the ass last, but

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Speaker 1: not least, would be to think about the last clean

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Speaker 1: out you had to do this experience. Think about the

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Speaker 1: last time and how long that like garbage bag of

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Speaker 1: clothes sat in the back.

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Speaker 2: Of your car until you took it to Vinnie's and

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Speaker 2: had to listen to you belting out bon Jovi for

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Speaker 2: eight months before you finally took it to Zavos. That

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Speaker 2: was a bit niche actually whatever, whatever, But yeah, I

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Speaker 2: think about.

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Speaker 1: Like your laundry and it's just more ship that you've

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Speaker 1: got to find somewhere to put it.

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Speaker 2: Yeah. I think all the time, like as somebody who

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Speaker 2: lives in a one bedroom, small apartment, I'm like, realistically,

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Speaker 2: where will I fit this? Where I saw this? Think

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Speaker 2: about how hard it is just your clothes online you

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Speaker 2: got to do the one in one out. Yeah, if

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Speaker 2: I'm buying this, what, like, what will I have to

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Speaker 2: get rid of?

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Speaker 1: I think with this one is that you will be

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Speaker 1: broke forever. If you always seek validation from external sources,

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Speaker 1: you will spend thousands on the way that you look

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Speaker 1: and hundreds on the latest trend. But the moment you

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Speaker 1: find positivity and rest and validation in yourself and the

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Speaker 1: everyday life, you will not only enrich your life but

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Speaker 1: your bank account. To put that.

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Speaker 2: I want that whole thing.

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Speaker 1: But yeah, I just think that's a really important thing

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Speaker 1: because it is so easy to seek validation and confidence

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Speaker 1: from external sources. And if you are constantly doing that

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Speaker 1: as a treat yourself and you don't learn how to

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Speaker 1: find things to lift your mood or make you feel

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Speaker 1: good or make you feel nice, and that's always from

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Speaker 1: something new, that is exhausting.

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Speaker 2: Yeah, it's just a toxic cycle that will never work out.

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Speaker 1: Well, Yeah, what's something that is a treat yourself? That

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Speaker 1: doesn't mean you buy something that you do sleep in

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Speaker 1: love that that is an amazing treat yourself?

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Speaker 2: What about you read my book? Yeah? So good. Yeah,

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Speaker 2: the both things that are just like entirely for yourself, yeah,

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Speaker 2: which I love and solo activities you don't have to

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Speaker 2: rely on anybody else.

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Speaker 1: On the other one is like a sunrise or a sunset,

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Speaker 1: or an ocean swim our next have it. That is

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Speaker 1: keeping you broke. It's the convenience tax versus the lazy tax.

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Speaker 2: You kick us off here, Sally Baddy m M. So

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Speaker 2: the lazy tax usually refers to the extra fees or

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Speaker 2: costs that you'll pay when you don't negotiate a better deal,

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Speaker 2: or compare your options, or do whatever little bit of

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Speaker 2: extra work it takes to get a better deal, whereas

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Speaker 2: the convenience tax refers to the extra money that you're

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Speaker 2: willing to spend to save time or a headache or

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Speaker 2: get some extra convenience.

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Speaker 1: The convenience tax is worth it like the conveniences to

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Speaker 1: a point. Yet, for example, my favorite example of the

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Speaker 1: convenience tax is and this is probably part of growing up,

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Speaker 1: because when I was twenty, this would look like a

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Speaker 1: different situation. Right, Yeah, but the convenience tax is looking

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Speaker 1: at flights, right, and there's a six am flight which

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Speaker 1: is one hundred dollars cheaper than the ten am flight,

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Speaker 1: or let's even say the five PM flight. Right, the

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Speaker 1: five pm flight costs one hundred dollars more than the

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Speaker 1: six am flight, And in that moment, I'm like, I

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Speaker 1: don't want to pay one hundred dollars more. Yeah, Like,

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Speaker 1: I'll just you know what, I'll just it's one morning,

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Speaker 1: I'll get up early.

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Speaker 2: It'll be fine that morning. Then comes it's the night before.

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Speaker 2: I haven't packed because don't be picked in.

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Speaker 1: Hello, my nails need to be done because I've left

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Speaker 1: that to the last minute, and my fake.

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Speaker 2: Ten is Joe, I need to wash my hair.

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Speaker 1: Yeah, I would pay one hundred dollars to be on

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Speaker 1: the five PM flight, like I in that moment, I'm like,

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Speaker 1: I would pay one hundred dollars to get out of this,

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Speaker 1: you know, and that's you know what, one hundred dollars,

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Speaker 1: that's the absolute absolute max.

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Speaker 2: I would probably be like fifty dollars. Yeah, a little

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Speaker 2: bit more, you know.

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Speaker 1: But that's why now I'm like, I know in that

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Speaker 1: moment that spending this little bit more of money is

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Speaker 1: going to make me so much more happy, because then

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Speaker 1: when you're like, maybe i'll change my flight time, it's

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Speaker 1: going to be five billion dollars.

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Speaker 2: Yeah exactly. I think that's the thing though, like with

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Speaker 2: the lazy tax and the convenience tax, these two things

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Speaker 2: are very similar to the lines can be a little

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Speaker 2: bit blurry, but also with the convenience tax especially, it

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Speaker 2: really comes down to your values and what you value

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Speaker 2: with your time and your money. So for somebody who's

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Speaker 2: like an early riser and really organized and blah blah,

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Speaker 2: they're going to be like, of course, I'm going to

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Speaker 2: say of one hundred dollars and get on that red

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Speaker 2: eye fly. It really depends on what your values are.

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Speaker 2: And I think that's okay, it's recognizing Okay, do I reallyeah,

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Speaker 2: is this really in line with my values? Or am

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Speaker 2: I being lazy?

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Speaker 1: And you know what's rogue is like my other convenience

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Speaker 1: tax that I actually think is just the lazy tax, right,

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Speaker 1: is spending nine dollars or ten dollars on shipping when

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Speaker 1: you can do click and collect for free. I will

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Speaker 1: do click and collect any day of the week for free,

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Speaker 1: because I'm like, if the shop is already at my

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Speaker 1: Westfield or at my I'm they're basically every day getting

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Speaker 1: the train or like going and getting groceries or something

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Speaker 1: like that that I'm like, yeah, I'll save ten.

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Speaker 2: Dollars, but I will pay fifty dollars more so I

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Speaker 2: don't have to wake up at four am to get

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Speaker 2: on that flight. And that's my convenience. Yeah, whereas one

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Speaker 2: for me is grocery delivery or meal prep services. Knowing

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Speaker 2: that with especially busy periods to me is usually when

342
00:18:02,119 --> 00:18:05,159
Speaker 2: I like will use these types of services because I

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Speaker 2: know that in the past I won't make time to

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Speaker 2: do the groceries or I won't make time to plan

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Speaker 2: ahead and you know, meal prep all my food, and

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Speaker 2: then it gets to Wednesday night and I'm like, oh,

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Speaker 2: well I have to get good breeds. Yeah, So for

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Speaker 2: me during those times, I'm like, okay, But the convenience

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Speaker 2: of having either the groceries delivered to me or you know,

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Speaker 2: having chef good or whatever it is delivered to me,

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00:18:31,080 --> 00:18:33,720
Speaker 2: that's perfect for this particular time in my life. Yeah,

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Speaker 2: I love that.

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Speaker 1: Because as well, you're in the long run, yeah, maybe

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Speaker 1: getting that delivered or like e, splurging on the meals

355
00:18:41,760 --> 00:18:43,639
Speaker 1: is maybe more expensive than it would be for you

356
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Speaker 1: to go and buy it and cook it yourself. You're

357
00:18:46,000 --> 00:18:48,040
Speaker 1: gonna end up saving more because when you're not wasting

358
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Speaker 1: money on groceries you don't end up cooking exactly. Two,

359
00:18:51,119 --> 00:18:53,880
Speaker 1: you don't spend money on like a forty dollars pasta

360
00:18:53,920 --> 00:18:56,360
Speaker 1: that takes five years to get to you and it's

361
00:18:56,400 --> 00:18:59,360
Speaker 1: cold and part of it's squished exactly and they take

362
00:18:59,400 --> 00:19:00,639
Speaker 1: it a buy it out of my God, and you

363
00:19:00,760 --> 00:19:04,000
Speaker 1: didn't have to fight with the customer saus to give

364
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Speaker 1: you your face anyway.

365
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Speaker 2: Yeah, so that's one. And then another one for me

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Speaker 2: now that I think has changed since I was younger,

367
00:19:11,960 --> 00:19:16,159
Speaker 2: would be paying for removalists. Oh yeah, do you know what?

368
00:19:16,520 --> 00:19:20,240
Speaker 2: I don't know. We'll see. But for me personally, I

369
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Speaker 2: think I don't want to move my mattress. I want

370
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Speaker 2: someone else.

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Speaker 1: I think I am like, I will do as much

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Speaker 1: as I possibly can, and then I will pay for

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Speaker 1: removalists so that I get like the cheapest possible price. Same,

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00:19:32,320 --> 00:19:34,840
Speaker 1: but I'm like, I will get to the reject shop,

375
00:19:34,840 --> 00:19:37,239
Speaker 1: I will get my bins, and I will do as

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Speaker 1: much as I possibly can, and then I will pay

377
00:19:40,359 --> 00:19:43,000
Speaker 1: for removalists to do like I pay for removalists in

378
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Speaker 1: my last one.

379
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Speaker 2: But that's because we had furniture that I was like,

380
00:19:45,720 --> 00:19:47,959
Speaker 2: I actually physically can't move this, That's what I mean

381
00:19:48,040 --> 00:19:50,480
Speaker 2: whereas before I was like, not like we're hiring a truck,

382
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Speaker 2: like we're doing the whole thing. And I'm like, mmm, nah, yeah,

383
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Speaker 2: I'll hire a professional who like knows how to properly

384
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Speaker 2: pick up a couch without breaking their back.

385
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Speaker 1: You know. And you know what a lazy text that

386
00:20:01,920 --> 00:20:08,080
Speaker 1: I've grown out of is getting ubers versus getting public transport.

387
00:20:08,520 --> 00:20:12,320
Speaker 1: I love public transport now. I find it so much

388
00:20:12,359 --> 00:20:15,080
Speaker 1: more enjoyable than getting in the back of a car.

389
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Speaker 2: The train is fun, the train is a vibe.

390
00:20:17,240 --> 00:20:21,080
Speaker 1: It's like main character energy read my book without getting sick.

391
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Speaker 2: I agree. I've been trying to do the same as well,

392
00:20:23,359 --> 00:20:26,480
Speaker 2: because like I don't currently have a car, so usually

393
00:20:26,560 --> 00:20:29,879
Speaker 2: I do a lot of public transport or ubers. But

394
00:20:29,960 --> 00:20:34,160
Speaker 2: I've been weighing up the convenience versus the lazy tax

395
00:20:34,280 --> 00:20:37,439
Speaker 2: with that, so when it's it's also quicker. Yeah. So

396
00:20:37,520 --> 00:20:40,080
Speaker 2: for example, last night, we went for dinner and it

397
00:20:40,160 --> 00:20:42,960
Speaker 2: was late at night and we were going back home.

398
00:20:43,160 --> 00:20:45,399
Speaker 2: I was going back home with our friend Jem and

399
00:20:45,440 --> 00:20:46,800
Speaker 2: she lives near me, so I was like, well, we

400
00:20:46,800 --> 00:20:49,240
Speaker 2: can split an uber that way and go together and

401
00:20:49,280 --> 00:20:51,240
Speaker 2: then I don't have to get you know, a train

402
00:20:51,560 --> 00:20:55,200
Speaker 2: home alone late at night. Yeah, whereas you know, early

403
00:20:55,240 --> 00:20:57,320
Speaker 2: in the morning, I might have been like, I'll get

404
00:20:57,359 --> 00:20:59,800
Speaker 2: like an uber to this work event and then I'm like, no,

405
00:21:00,200 --> 00:21:02,840
Speaker 2: just get the train and walk and just prepare a

406
00:21:02,880 --> 00:21:04,760
Speaker 2: little bit more in advance. I've got the time to

407
00:21:04,800 --> 00:21:07,879
Speaker 2: do that. You get your steps in, save money, and

408
00:21:08,040 --> 00:21:09,320
Speaker 2: you just feel like God's gift.

409
00:21:09,600 --> 00:21:12,359
Speaker 1: Yeah, exactly, But I'm so curious. I want to know, like,

410
00:21:12,400 --> 00:21:17,439
Speaker 1: what's your convenience tax? As the chicks let us know

411
00:21:17,480 --> 00:21:20,280
Speaker 1: in the comments, I really really want to know, because

412
00:21:20,280 --> 00:21:21,520
Speaker 1: I reckon I'm going to relate.

413
00:21:21,240 --> 00:21:23,280
Speaker 2: To all of them. You'll like, oh my god, that's

414
00:21:23,600 --> 00:21:27,720
Speaker 2: that is so me alright.

415
00:21:27,960 --> 00:21:31,600
Speaker 1: And last, but not least, hit me with it, sou

416
00:21:31,920 --> 00:21:37,160
Speaker 1: the third habit that is keeping you broke lifestyle creep.

417
00:21:37,280 --> 00:21:41,200
Speaker 2: Calling you that lifestyle creep. The word creep.

418
00:21:43,520 --> 00:21:47,359
Speaker 1: Insight, I really want us to bring that back creep.

419
00:21:47,480 --> 00:21:53,320
Speaker 2: Oh, don't be such a cheap, tacky creep. That smells so.

420
00:21:53,680 --> 00:21:59,520
Speaker 2: Lifestyle creep refers to when your income or financial capacity increases,

421
00:22:00,760 --> 00:22:06,080
Speaker 2: but so does you're spending. Because even if you're earning

422
00:22:06,119 --> 00:22:10,000
Speaker 2: more money, that doesn't mean that you become better with

423
00:22:10,200 --> 00:22:13,720
Speaker 2: your money. Unfortunately, like there's that saying that if you

424
00:22:13,760 --> 00:22:15,679
Speaker 2: don't know how to manage ten dollars, you don't know

425
00:22:15,720 --> 00:22:18,720
Speaker 2: how to manage ten thousand dollars. And that's basically what

426
00:22:18,840 --> 00:22:22,359
Speaker 2: lifestyle create refers to. So if you think back to

427
00:22:22,560 --> 00:22:26,080
Speaker 2: when you were a teenager or your early twenties, or

428
00:22:26,280 --> 00:22:27,959
Speaker 2: perhaps just a time in your life when you were

429
00:22:27,960 --> 00:22:30,919
Speaker 2: earning less money in comparison to a time in your

430
00:22:30,960 --> 00:22:33,359
Speaker 2: life when you were earning more money, and the things

431
00:22:33,359 --> 00:22:36,439
Speaker 2: that you thought that you could afford back then, and

432
00:22:36,480 --> 00:22:38,480
Speaker 2: the things that you were willing and not willing to

433
00:22:38,480 --> 00:22:41,719
Speaker 2: spend your money on back then in comparison to now,

434
00:22:41,840 --> 00:22:43,480
Speaker 2: or when you've been at a point in your life

435
00:22:43,480 --> 00:22:46,040
Speaker 2: when you had more money. So, for example, when you're

436
00:22:46,080 --> 00:22:48,080
Speaker 2: a teenager, you might have spent all your money on

437
00:22:48,200 --> 00:22:52,600
Speaker 2: public transport, and then now as you've gotten older, you've

438
00:22:52,600 --> 00:22:56,879
Speaker 2: bought a car, or you'll use ubers for everything, and

439
00:22:56,920 --> 00:22:58,760
Speaker 2: you're like, oh, well, like, no, I'm not going to

440
00:22:58,760 --> 00:23:03,040
Speaker 2: get the train to save money, like I can afford

441
00:23:03,480 --> 00:23:06,160
Speaker 2: to get an uber, or I can afford to pay

442
00:23:06,520 --> 00:23:10,159
Speaker 2: for petrol, and you don't really think of the things

443
00:23:10,200 --> 00:23:14,000
Speaker 2: that you could be saving money on. Instead, you're like, oh,

444
00:23:14,000 --> 00:23:15,760
Speaker 2: but I can afford it, so of course I'm going

445
00:23:15,840 --> 00:23:17,560
Speaker 2: to spend the money on it.

446
00:23:17,880 --> 00:23:20,520
Speaker 1: I think like another girlly pop example of this would

447
00:23:20,560 --> 00:23:24,840
Speaker 1: be how like when you're maybe eighteen or seventeen and

448
00:23:24,880 --> 00:23:27,280
Speaker 1: you shop at Princess Polly, but then when you're like

449
00:23:27,280 --> 00:23:29,280
Speaker 1: twenty five and have a full time job, you start

450
00:23:29,280 --> 00:23:29,920
Speaker 1: shopping at like.

451
00:23:29,880 --> 00:23:30,960
Speaker 2: Dish and the Iconic.

452
00:23:31,480 --> 00:23:33,040
Speaker 1: Or the other one I was thinking of is like

453
00:23:33,200 --> 00:23:35,240
Speaker 1: when I was a teenager, how I.

454
00:23:35,200 --> 00:23:37,680
Speaker 2: Would shop exclusively at like price.

455
00:23:37,400 --> 00:23:40,240
Speaker 1: Line, which I still shop there, but now I also

456
00:23:40,320 --> 00:23:44,960
Speaker 1: sometimes shop at the more bougie beauty stores like Sephora Mecca.

457
00:23:45,240 --> 00:23:47,840
Speaker 2: Yeah, or like I was talking to our beautiful producer

458
00:23:47,920 --> 00:23:51,520
Speaker 2: Rush before the show and we were saying, how, you know,

459
00:23:52,080 --> 00:23:55,680
Speaker 2: previously we would have always bought home brand, and then

460
00:23:55,880 --> 00:23:59,120
Speaker 2: now we'll buy name brands at the supermarket. But when

461
00:23:59,160 --> 00:24:01,520
Speaker 2: you really think about it, the home brand stuff a

462
00:24:01,520 --> 00:24:03,920
Speaker 2: lot of the time is just as good, but we

463
00:24:04,080 --> 00:24:07,800
Speaker 2: buy the name brand because we can or organic. Yeah.

464
00:24:07,960 --> 00:24:11,840
Speaker 1: It's so interesting when you really peel back the lifestyle creep,

465
00:24:11,880 --> 00:24:17,119
Speaker 1: you see all the things that we're very subconsciously creeping up.

466
00:24:17,160 --> 00:24:19,560
Speaker 1: Because it's like when you get a pay rise and

467
00:24:19,640 --> 00:24:22,160
Speaker 1: let's say you're earning two hundred dollars a week how

468
00:24:22,240 --> 00:24:25,240
Speaker 1: often and have a think about whether or not you

469
00:24:26,080 --> 00:24:28,879
Speaker 1: started putting two hundred dollars a week into savings.

470
00:24:29,119 --> 00:24:31,520
Speaker 2: Yeah, Like, what did you do with that extra two

471
00:24:31,600 --> 00:24:34,480
Speaker 2: hundred dollars? Where did that go? And I think this

472
00:24:34,520 --> 00:24:39,480
Speaker 2: is a reflection of our financial literacy and the money

473
00:24:39,480 --> 00:24:43,840
Speaker 2: habits that we've built over time. And Yeah, it's just

474
00:24:43,840 --> 00:24:45,760
Speaker 2: a good reminder that just because you earn more money

475
00:24:45,800 --> 00:24:48,840
Speaker 2: doesn't mean that you automatically become better with your money.

476
00:24:48,960 --> 00:24:51,119
Speaker 2: And I think this doesn't mean that you also can't

477
00:24:51,119 --> 00:24:54,680
Speaker 2: treat yourself or you can't decide to spend more money

478
00:24:55,160 --> 00:25:00,600
Speaker 2: for the more expensive option when you have the ability

479
00:25:00,640 --> 00:25:03,720
Speaker 2: to do so when it makes sense. Yeah, Instead, it

480
00:25:03,760 --> 00:25:06,280
Speaker 2: means that you should be reflecting on your spending habits

481
00:25:06,320 --> 00:25:08,679
Speaker 2: and the things that you slowly but surely have been

482
00:25:08,720 --> 00:25:11,760
Speaker 2: spending more money on that maybe you don't have to, yeah,

483
00:25:11,800 --> 00:25:15,359
Speaker 2: and where you have been opting for the more expensive option.

484
00:25:16,080 --> 00:25:21,359
Speaker 2: Some common signs of lifestyle creep include your savings remain

485
00:25:21,560 --> 00:25:27,159
Speaker 2: stagnant despite you earning more money, You're spending has increased

486
00:25:27,560 --> 00:25:30,439
Speaker 2: overall in lots of different areas of your life, and

487
00:25:30,960 --> 00:25:34,760
Speaker 2: you aren't budgeting or you don't have financial goals, but

488
00:25:35,440 --> 00:25:39,879
Speaker 2: some tips to avoid lifestyle create, create and stick to

489
00:25:39,920 --> 00:25:45,639
Speaker 2: a budget. Prioritize saving over spending. So this is different

490
00:25:45,680 --> 00:25:49,400
Speaker 2: for everybody. But review your expenses and look at where

491
00:25:49,440 --> 00:25:52,000
Speaker 2: you can cut back all things that you can save on,

492
00:25:52,560 --> 00:25:56,040
Speaker 2: and then finally set financial goals. This is going to

493
00:25:56,080 --> 00:25:58,439
Speaker 2: be so important, yeah, and it's going to be different

494
00:25:58,520 --> 00:26:01,359
Speaker 2: for everyone. It can be bigger, but the tip is

495
00:26:01,359 --> 00:26:04,399
Speaker 2: building the habit. Yeah, and you can always build upon that.

496
00:26:04,640 --> 00:26:06,680
Speaker 2: So it could be by the end of the year,

497
00:26:06,760 --> 00:26:11,000
Speaker 2: I want to save X dollars or I want to

498
00:26:11,040 --> 00:26:14,639
Speaker 2: get a pay rise by this much, and when I

499
00:26:14,640 --> 00:26:17,600
Speaker 2: get that pay rise, I'm going to put away this

500
00:26:17,800 --> 00:26:23,080
Speaker 2: much after my every day and essential expenses slip slip.

501
00:26:23,200 --> 00:26:26,680
Speaker 1: Well, there's our three habits, and it's all process. It's

502
00:26:26,720 --> 00:26:29,919
Speaker 1: all literacy and financial literacy, and we have it and.

503
00:26:29,880 --> 00:26:32,560
Speaker 2: It's never too late to get better with your money. Exactly.

504
00:26:32,840 --> 00:26:35,560
Speaker 2: That's a lovely note to finish on. I know how wholesome.

505
00:26:35,640 --> 00:26:38,200
Speaker 2: Put that on a Hallmark card, baby, put that g

506
00:26:40,200 --> 00:26:43,400
Speaker 2: that's your ad pies with the advice with the chicks.

507
00:26:47,400 --> 00:26:50,320
Speaker 2: I am in need of advice. I am twenty four

508
00:26:50,440 --> 00:26:53,399
Speaker 2: and recently booked a solo getaway for a week. I

509
00:26:53,440 --> 00:26:55,600
Speaker 2: have never been or even thought of going on a

510
00:26:55,600 --> 00:26:58,760
Speaker 2: trip by myself before, but the opportunity came up and

511
00:26:58,800 --> 00:27:01,600
Speaker 2: I started to get really excit it. I thought it

512
00:27:01,640 --> 00:27:04,800
Speaker 2: would be really good for my own self growth and independence.

513
00:27:05,840 --> 00:27:08,840
Speaker 2: My sister, who's twenty six, heard I was going away,

514
00:27:09,240 --> 00:27:12,760
Speaker 2: and long story short, invited herself on this holiday. If

515
00:27:12,800 --> 00:27:15,640
Speaker 2: I'm honest, she didn't really ask. She just said I'm

516
00:27:15,680 --> 00:27:17,879
Speaker 2: going to come and started looking into things to do.

517
00:27:18,560 --> 00:27:20,159
Speaker 2: I mentioned that I was going to go for a

518
00:27:20,200 --> 00:27:22,159
Speaker 2: week and she could come for a bit, so she

519
00:27:22,240 --> 00:27:26,120
Speaker 2: booked five days. Jeez. We are close but have very

520
00:27:26,160 --> 00:27:29,640
Speaker 2: different personalities, so weak in clash. I began to get

521
00:27:29,640 --> 00:27:32,159
Speaker 2: frustrated when she started talking about what we were going

522
00:27:32,240 --> 00:27:34,560
Speaker 2: to do, so I decided to bring up that I

523
00:27:34,600 --> 00:27:38,080
Speaker 2: originally booked it as an independent trip, and she absolutely

524
00:27:38,200 --> 00:27:41,480
Speaker 2: cracked it. She started crying and saying that she's never

525
00:27:41,520 --> 00:27:43,439
Speaker 2: been more hurt and that I should want to go

526
00:27:43,520 --> 00:27:47,600
Speaker 2: away with her because I start we love a gentle

527
00:27:47,600 --> 00:27:50,720
Speaker 2: guilt trip. After calling me a few names, she's now

528
00:27:50,800 --> 00:27:53,920
Speaker 2: not talking to me. I never said I didn't want

529
00:27:53,920 --> 00:27:56,080
Speaker 2: her to come, but I just wanted to compromise and

530
00:27:56,119 --> 00:27:59,640
Speaker 2: do something independently. Both my mum and her have said

531
00:27:59,680 --> 00:28:01,840
Speaker 2: that they can't understand why I would want to go

532
00:28:01,920 --> 00:28:06,359
Speaker 2: by myself oh mum plays, and that it's not safe.

533
00:28:06,480 --> 00:28:10,320
Speaker 2: They also don't like that I'm setting rules boundaries by

534
00:28:10,359 --> 00:28:15,120
Speaker 2: doing some things together and not everything. I understand why

535
00:28:15,119 --> 00:28:17,439
Speaker 2: she's hurt, but am I really in the wrong. I

536
00:28:17,480 --> 00:28:19,520
Speaker 2: can't help but feel guilty, but I think this is

537
00:28:19,560 --> 00:28:22,919
Speaker 2: surely an overreaction. Please any advice would be great, as

538
00:28:22,920 --> 00:28:25,080
Speaker 2: a holiday is in two weeks and she's now saying

539
00:28:25,119 --> 00:28:25,879
Speaker 2: she's not coming.

540
00:28:26,200 --> 00:28:29,119
Speaker 1: I'm sure you love your sister, and I'm sure your

541
00:28:29,119 --> 00:28:32,280
Speaker 1: sister is beautiful, and like you've said, you've got different personalities,

542
00:28:32,600 --> 00:28:36,360
Speaker 1: But so it sounds really like pushy and bullish and

543
00:28:36,440 --> 00:28:39,479
Speaker 1: like I'm coming and this is what we're gonna do

544
00:28:39,560 --> 00:28:42,320
Speaker 1: and blah blah blah. When you've done this as like

545
00:28:42,400 --> 00:28:45,320
Speaker 1: a self growth and independence thing and you've had someone

546
00:28:45,360 --> 00:28:48,600
Speaker 1: come in and completely like rip up that turf and lay.

547
00:28:48,440 --> 00:28:52,320
Speaker 2: Down their own manure yea, their own shit. Yeah, I

548
00:28:52,400 --> 00:28:56,040
Speaker 2: reckon you should try and have a conversation with your

549
00:28:56,080 --> 00:28:59,880
Speaker 2: sister and say like, I'm really sorry. I probably should

550
00:28:59,880 --> 00:29:03,160
Speaker 2: have been a little bit more firm or open from

551
00:29:03,320 --> 00:29:05,640
Speaker 2: the offset. But I really did want this to be

552
00:29:05,720 --> 00:29:08,480
Speaker 2: an independent trip. But when you started talking about it,

553
00:29:08,520 --> 00:29:11,440
Speaker 2: I felt bad and I didn't want to hurt your feelings,

554
00:29:11,520 --> 00:29:14,800
Speaker 2: but I probably should have put my foot down and said, actually, no,

555
00:29:15,400 --> 00:29:18,200
Speaker 2: I want this to be an independent trip and I

556
00:29:18,240 --> 00:29:20,000
Speaker 2: really need this. This is going to be a really

557
00:29:20,040 --> 00:29:23,640
Speaker 2: great opportunity for me to learn and grow more about myself.

558
00:29:24,000 --> 00:29:27,959
Speaker 2: And now it's become a point of frustration and like

559
00:29:28,040 --> 00:29:31,400
Speaker 2: contention between us. So I think it's probably for the

560
00:29:31,440 --> 00:29:33,920
Speaker 2: best if I go alone and we can plan like

561
00:29:33,960 --> 00:29:36,800
Speaker 2: a sister trip together. Doesn't mean that I don't love you.

562
00:29:37,040 --> 00:29:39,640
Speaker 1: I do think it's always good to like ask potentially

563
00:29:40,640 --> 00:29:45,280
Speaker 1: like in terms of helping the relationship grow, Like I

564
00:29:45,360 --> 00:29:47,640
Speaker 1: see what you're saying, and I totally hear that you

565
00:29:47,680 --> 00:29:51,800
Speaker 1: know coming in with you know, warmth and empathy and

566
00:29:51,880 --> 00:29:55,240
Speaker 1: saying I do understand that you're upset, and I'm sorry

567
00:29:55,720 --> 00:29:57,800
Speaker 1: for that and the role that I played in that.

568
00:29:58,720 --> 00:30:01,479
Speaker 1: I also think it's good to ask your sister if

569
00:30:01,480 --> 00:30:04,240
Speaker 1: there's any way that she felt like she could have

570
00:30:04,320 --> 00:30:08,200
Speaker 1: handled that situation differently so that this doesn't happen again.

571
00:30:08,240 --> 00:30:10,120
Speaker 1: In the future, because this also needs to be an

572
00:30:10,120 --> 00:30:13,800
Speaker 1: opportunity of growth for her sister, because like we said,

573
00:30:13,840 --> 00:30:16,920
Speaker 1: like that's just not okay, and so like leave that

574
00:30:17,000 --> 00:30:17,320
Speaker 1: with her.

575
00:30:17,360 --> 00:30:19,800
Speaker 2: It might not happen in the moment, but leave that

576
00:30:19,920 --> 00:30:20,760
Speaker 2: question with her.

577
00:30:21,120 --> 00:30:23,440
Speaker 1: Even if she just does a bit of self reflecting,

578
00:30:23,480 --> 00:30:27,479
Speaker 1: you might not hear back from that question, but it

579
00:30:27,600 --> 00:30:31,760
Speaker 1: will help her have a bit of self reflection. Her

580
00:30:31,800 --> 00:30:35,120
Speaker 1: ego might not allow her to voice that, which I

581
00:30:35,200 --> 00:30:37,120
Speaker 1: don't think a lot of people have the skill to do.

582
00:30:38,080 --> 00:30:41,360
Speaker 1: You've said in the final part, am I really in

583
00:30:41,400 --> 00:30:43,560
Speaker 1: the wrong? And I just want to finish this part

584
00:30:43,600 --> 00:30:47,680
Speaker 1: with saying no, you're not. Like you've done nothing wrong.

585
00:30:48,000 --> 00:30:51,040
Speaker 1: You said you wanted to take this trip independently for

586
00:30:51,080 --> 00:30:52,080
Speaker 1: your own self growth.

587
00:30:52,360 --> 00:30:54,440
Speaker 2: Someone came in, invited.

588
00:30:54,080 --> 00:30:57,080
Speaker 1: Themselves for five out of seven days and then started

589
00:30:57,120 --> 00:31:00,760
Speaker 1: planning in itinerary. You haven't done anything wrong by setting

590
00:31:00,760 --> 00:31:03,920
Speaker 1: boundaries and keeping to what you originally wanted. And if anything,

591
00:31:04,120 --> 00:31:06,040
Speaker 1: it's going to be better for your relationship with your

592
00:31:06,080 --> 00:31:09,400
Speaker 1: sister because you won't start resenting her for taking over

593
00:31:09,440 --> 00:31:11,200
Speaker 1: your holiday of what you wanted it to be.

594
00:31:12,000 --> 00:31:14,440
Speaker 2: Go on your holiday solo and enjoy your holiday.

595
00:31:14,960 --> 00:31:19,720
Speaker 1: Well that is a wrap for this week's episode.

596
00:31:19,760 --> 00:31:21,880
Speaker 2: Thank you so much for having us in your ear hole.

597
00:31:22,600 --> 00:31:23,560
Speaker 2: We love to be here.

598
00:31:23,600 --> 00:31:25,440
Speaker 1: It feels good to be back, feels good to be

599
00:31:25,480 --> 00:31:26,400
Speaker 1: back in these holes.

600
00:31:26,760 --> 00:31:28,160
Speaker 2: It does in these holes.

601
00:31:28,200 --> 00:31:31,120
Speaker 1: If I'm in your holes right now, I just want

602
00:31:31,160 --> 00:31:34,760
Speaker 1: you to know I love to be Okay, I love

603
00:31:34,800 --> 00:31:36,200
Speaker 1: it here anyway.

604
00:31:36,320 --> 00:31:39,600
Speaker 2: Thanks to IK for making this episode two broke cheeks. Happy,

605
00:31:39,760 --> 00:31:47,880
Speaker 2: love it, Bye bye,