Speaker 1: This podcast is being recorded and produced on gadiicol Land.
Speaker 2: We pay our respects to the traditional custodians of this
Speaker 2: country and elders past present.
Speaker 1: We extend our respect to any First Nations Aboriginal and
Speaker 1: Torres Strait Islander people joining.
Speaker 2: Us today, always was, always will be Aboriginal Land.
Speaker 1: Matt, Yeah, I woke up Yester yesterday morning because we're
Speaker 1: recording this on Monday. It's obviously out on Friday.
Speaker 2: Welcome to close friends. By the way, everyone, Hey, I
Speaker 2: just get stray with these ones.
Speaker 1: My stepmom text me and said, Matt is going on
Speaker 1: TV because you must have seen like some little snippet
Speaker 1: that they played beforehand, saying coming up, Matt. So Jackie's
Speaker 1: messaged me quick turn on the TV. Meanwhile, I don't
Speaker 1: know what channel is what on the TV, Like you
Speaker 1: know when you're like, what's channel seven?
Speaker 2: Is probably channel seven.
Speaker 1: But you don't like TV's now they've got like a
Speaker 1: thousand channels and I'm like trying to fucking flick through
Speaker 1: to find it. Anyway, I finally got there, your.
Speaker 2: TV one of those ones that's like where one fifty
Speaker 2: six it's actually Channing.
Speaker 1: Y yes, And I'm fucking flicking through our message in
Speaker 1: Jackie saying what fucking channels it on? I was panicking.
Speaker 1: I was going to miss it anyway. I watched it.
Speaker 2: You were on? Was it the Sunrise weekend? Sunrise Weekend?
Speaker 1: Sunrise ye in your news era?
Speaker 2: Well, I don't know. No, I don't know about that.
Speaker 2: Why do you want me to tell you all about it?
Speaker 2: Do you?
Speaker 1: Yeah? So why were you on there?
Speaker 2: Settle around the campfire, mum? As good as story for you.
Speaker 2: So I made a video a couple of weeks ago
Speaker 2: which I'll circle back to this at the end and
Speaker 2: tell you about my journey with cash. I've spoken about
Speaker 2: it on the podcast before that. Earlier this year, I
Speaker 2: decided I would start using cash and see if that
Speaker 2: could help me save some money or what it would
Speaker 2: do to my brain. I don't really know. I didn't
Speaker 2: really think about it at the start. At the start,
Speaker 2: I was just like, we're going to do our budget
Speaker 2: exactly the same as we always have, but this time
Speaker 2: I'm going to start using cash. Because my first thought
Speaker 2: behind it is when I was younger and i'd spend cash,
Speaker 2: something in my brain never made me want to spend coins. Yes,
Speaker 2: so I'd always put those in money box and then
Speaker 2: you'd have all these coins at the end and then
Speaker 2: there's like twenty backs at the end of the when
Speaker 2: it gets full, you know. So that was the thinking
Speaker 2: behind it. I was like, maybe I'll just carry notes
Speaker 2: and then I'll save all these coins and then you know,
Speaker 2: that's that'll be how I helped build my savings and
Speaker 2: things like that. Anyway, I made a TikTok last week
Speaker 2: because I have now been doing that for six months
Speaker 2: and it has really changed so many aspects of my life,
Speaker 2: which i'll get too later in this episode of Close Friends.
Speaker 2: But that video went viral, news articles were posted about it,
Speaker 2: blah blah blah, and then Weekend Sunrise reached out and
Speaker 2: they were like, we want you to come on and
Speaker 2: talk about it, and I was like, okay, And then
Speaker 2: I was a little bit like, because it's my first
Speaker 2: live TV appearance ever. Have you ever been on live
Speaker 2: TV before?
Speaker 1: No, And it scares the fuck out of me. But
Speaker 1: you tell your story first and we'll come back to my.
Speaker 2: Thoughts, okay, Okay. So basically I was really nervous, but
Speaker 2: I also think it was almost good that it was
Speaker 2: so early in the morning, because I just didn't give
Speaker 2: a shit, so I couldn't. I was so tired that
Speaker 2: I couldn't be bothered being nervous in a way. Plus
Speaker 2: I got three hours sleep before I went on because
Speaker 2: I was up the night before. We actually hosted a
Speaker 2: book club at my house the night before, so my
Speaker 2: friends were over, we were out late, and I went
Speaker 2: to bed at probably like one thirty. My call time
Speaker 2: was eight point fifteen at Channel seven Studios on Sunday morning,
Speaker 2: and I only had a few hours sleep, got up,
Speaker 2: cut myself shaving. It was a mess, hairs all stuffed
Speaker 2: at the back. I'm like, I can't be bothered, but
Speaker 2: here we go. And I booked ubers because I was like,
Speaker 2: I'm not driving in because I was too tired. So
Speaker 2: I booked an uber there and back cost me about
Speaker 2: seventy dollars in ubers. And when they asked me to
Speaker 2: go on, how it worked was they were like, we
Speaker 2: love you to come on, and I was like, yeah cool.
Speaker 2: My manager was kind of like doing all the talking,
Speaker 2: but I was kind of like yeap, sweet, all good.
Speaker 2: What's funny is just a few weeks ago we had
Speaker 2: actually asked Sunrise if we could come on to talk
Speaker 2: about the arts in industry and the coming back to
Speaker 2: life after COVID, I guess, and obviously then to promote
Speaker 2: my shows at the end of the week and they
Speaker 2: were like, politely decline, we don't we're not interested. So
Speaker 2: it's funny that, like a few weeks later, they now
Speaker 2: want me to come on to talk about using an ATM,
Speaker 2: because that's apparently what gets across to the people these days.
Speaker 1: You know, someone actually dam me and was like, I
Speaker 1: should have screenshot it because I don't know where it
Speaker 1: is now. Soone was like, they obviously didn't know that
Speaker 1: you made this TikTok that went viral, and they're like,
Speaker 1: to be honest, why did Matt go on to talk
Speaker 1: about cash? And I'm like, because he had a viral video.
Speaker 2: Yeah it. Let me tell you. It is so off
Speaker 2: brand for me. And I was like, and here's the
Speaker 2: thing that is not what I like. I was not
Speaker 2: excited to go on Weekend Sunrise to talk about using cash.
Speaker 2: But when we spoke to the producers, we were like, Okay,
Speaker 2: we will come on if you let me promote my
Speaker 2: live show at the end, and they were like, yeah,
Speaker 2: no worries, that's all good. What we'll do is to
Speaker 2: keep it in the segment, we will get the host
Speaker 2: to ask you, you know, like, so what do you
Speaker 2: think you're what do you think who were saving a
Speaker 2: bit of money should be spending their money on? Which
Speaker 2: is then where I was going to say. In the
Speaker 2: live entertainment industry, we're still coming back after COVID. I've
Speaker 2: got my national tour coming around the country over the
Speaker 2: next couple of weeks. So come and see me if
Speaker 2: you can. Do you think they asked me the question
Speaker 2: on national television? I didn't absolutely not that I'm just
Speaker 2: slip their mind. So I went there, spent seventy dollars
Speaker 2: in ubers, got there, did my what felt like forty
Speaker 2: seconds on national TV, and didn't even get to like
Speaker 2: promo anything. Also, the questions that they asked me, And
Speaker 2: this is no shade till weekend Sunrise. I'm not trying
Speaker 2: to call anyone out. This is just my experience. I
Speaker 2: don't care, as I said, like it was Sunday morning,
Speaker 2: I really don't give a shit, But I'm just sharing
Speaker 2: what the experience was. Like, I felt the questions that
Speaker 2: they asked me as well, weren't the questions that we
Speaker 2: had prepared with the producers in advance. Like when the
Speaker 2: host asked me, so you know you're saving money and
Speaker 2: can't transaction fees, I was like, well, yeah, I guess,
Speaker 2: but that's like, that's not what I'm here to talk about,
Speaker 2: because that's not the reason I'm saving money. The saving money, I.
Speaker 1: Just went rogue and said what you wanted to say
Speaker 1: it anyway, it's live TV.
Speaker 2: But it's actually kind of hard as well, because they
Speaker 2: had TVs in front of me, Like, I don't know
Speaker 2: when you were watching. Was I looking off to the
Speaker 2: side a lot? Okay, So the thing is you were like, okay, yeah,
Speaker 2: see that's so awkard because I haven't watched the footage
Speaker 2: back yet and I haven't seen because they have all
Speaker 2: these TVs around the camera that you're looking at, and
Speaker 2: they've and I was under the impression that they were
Speaker 2: doing B role. But the B role just plays and
Speaker 2: that's just when someone's talking, and like you know, the
Speaker 2: other pictures come over, like stock images of people pulling
Speaker 2: out cash from an ATM and things like that, you
Speaker 2: know when they do that in the news. So all
Speaker 2: those things were playing around the camera. So I'm thinking
Speaker 2: that that's what Australia is seeing. No, it was just
Speaker 2: you the whole It was just me the whole time,
Speaker 2: and I didn't realize that. So I was, like she
Speaker 2: told me, looked down the barrel of the camera the
Speaker 2: whole time. But obviously I'm thinking, and there's a fucking
Speaker 2: distractions the other biggest like lol, of the whole thing
Speaker 2: everyone is I'm just gonna let you know. It looked
Speaker 2: like I had been flown in vast satellite for that.
Speaker 2: The hosts were four meters away from me. They were
Speaker 2: in the same room as me. Across the room, I
Speaker 2: could see the host like literally five meters away from
Speaker 2: you do that.
Speaker 1: Instead of just putting you on the couch next to that.
Speaker 2: I don't know if they do.
Speaker 1: They not want you to not go near them, I
Speaker 1: don't know.
Speaker 2: I don't know if it's some sort of it might
Speaker 2: be like a COVID protocol. Though no one was wearing
Speaker 2: masks in the studio, but I mean it might be
Speaker 2: something like that. It's kind of might be easy to
Speaker 2: get people on and off if they have them around there.
Speaker 2: I don't know, but I was just.
Speaker 1: Like this, expected to see you on the couch with them.
Speaker 2: Well, same I don't know what I was doing anyway,
Speaker 2: The point is just like the most surreal. I was
Speaker 2: just kind of like, what the fuck am I doing here?
Speaker 2: And you're doing this for ten years and I'm talking
Speaker 2: about fifty dollars notes. It was really random and I
Speaker 2: was trying to inject comedy into it, but also the
Speaker 2: segment moved so fast before by the time I got
Speaker 2: my point out, I didn't ever even have time to
Speaker 2: make a joke or like, I will be honest, like
Speaker 2: I do not think live TV is for me, and
Speaker 2: I did not enjoy the experience. Then it was really weird,
Speaker 2: Like once it was over, I was just like because
Speaker 2: when I got there, you know, people greeted me, took
Speaker 2: me to the green room, blah blah blah, and then
Speaker 2: once it was over, I was just kind of sitting there.
Speaker 2: Someone came and took my earpiece and my microphone off.
Speaker 1: It's very like foutine then.
Speaker 2: But then that was it. I was like, so do
Speaker 2: I just do I just see myself out? Do I
Speaker 2: just leave now? Like I when I got my jacket
Speaker 2: and I was like.
Speaker 1: I guess then, yeah, Like I get it, Like I
Speaker 1: totally get it, but I'm just kind of like it
Speaker 1: was just so so.
Speaker 2: Weird to like see it all unfold in front of
Speaker 2: me and be like, oh, this is not because for me,
Speaker 2: like one of my like things, I've always wanted to
Speaker 2: be on live TV, not for spending cash, like for
Speaker 2: something a bit more exciting than that. But I was
Speaker 2: kind of like, oh, I don't think this is actually
Speaker 2: like what I would I don't. I actually don't want
Speaker 2: to do it again, if I'm honest, if they ask,
Speaker 2: if people ask, and today I'm going on the project
Speaker 2: as well. We're recording that later, but that's recording and
Speaker 2: then putting into a segment later, right, So that's fine.
Speaker 2: But I think live TV for me, there was just
Speaker 2: so much unnecessary like anxiety and stress and just the
Speaker 2: whole production of like the hosts are over because of
Speaker 2: course they're talking across the room, but I'm hearing them
Speaker 2: in my ear, but I'm also hearing them across the room.
Speaker 2: It was all weird like that.
Speaker 1: Yeah, your eyes were like shifting side to side. Yeah,
Speaker 1: well it was an experience.
Speaker 2: Yeah, for sure.
Speaker 1: I don't think if given the opportunity, I would want
Speaker 1: to go on live TV. Uh huh, because I don't know.
Speaker 1: I don't watch it that much, but maybe like the
Speaker 1: TV's on in the morning, and then I'll just like
Speaker 1: watch what they're doing, and I can see like how
Speaker 1: much of a well oiled ship they run, Like it's
Speaker 1: this person's on, that person's on. Now, it's this segment.
Speaker 1: Now it's a food thing, now it's a beauty recommendation.
Speaker 1: Like the whole thing feels very robotic to me because
Speaker 1: it's all timed down to the second and everyone's on
Speaker 1: a script. I would be worried, like if I ever
Speaker 1: got invited on there for whatever reason to talk about
Speaker 1: business or podcasts or whatever that Like one of my
Speaker 1: biggest fears with getting interviewed is that you can be
Speaker 1: very badly interviewed and it can make you look like
Speaker 1: an idiot. And so not that I've ever been given
Speaker 1: the opportunity to go on to talk about business or anything,
Speaker 1: but I can just imagine, like if I went on
Speaker 1: a morning show and just say it was to talk
Speaker 1: about business or fate, they'd be like, oh, so like
Speaker 1: your brand, like this is your little business, Like I
Speaker 1: can see like it being downplayed and then me coming
Speaker 1: across like a dumb idiot, And I will say I
Speaker 1: have been on one podcast before, which was an amazing opportunity,
Speaker 1: and it's not in the Nova network. I'm going to
Speaker 1: say that, but I went on a podcast once before
Speaker 1: and I walked out of there and I felt like
Speaker 1: I came across really stupid or like I didn't get
Speaker 1: to say amazing things because the questions that were asked
Speaker 1: to me were not good questions. So yeah, I've experienced
Speaker 1: not a bad interview before, but just being asked like
Speaker 1: the wrong questions. And if it's live, then that pressure
Speaker 1: is there to just answer those questions and it's really
Speaker 1: hard to divert it to anything else. So I think
Speaker 1: I'd be too scared to go on it just coming
Speaker 1: across like a fucking idiot.
Speaker 2: Yeah, that's what that's I don't I mean, I didn't
Speaker 2: really feel like an idiot, but I just the moment
Speaker 2: that the question started being different, I mean, still the
Speaker 2: same crux of the story. It wasn't like they threw
Speaker 2: me huge curve balls, but like I had been told
Speaker 2: what they will ask and there was kind of a
Speaker 2: storyline to follow, Like it was like why did I
Speaker 2: start using? What have I learned? How much have I saved?
Speaker 2: What should people spend their money? On it was only
Speaker 2: meant to be a four minute segment. It was like
Speaker 2: a minute forty Yeah, So it was just really like,
Speaker 2: I don't know live dv NOL, it's cracked up to me.
Speaker 2: I was kind of like, oh, I'm gonna have to
Speaker 2: think about whether I because also to cost me money
Speaker 2: to come in for blah blah blah. And the funniest
Speaker 2: thing was I was off. Like the minute it was off,
Speaker 2: I was like out the door in the uber, back home,
Speaker 2: like back in bed. Twenty minutes later, I was just like,
Speaker 2: what a fucking whirl win. But anyway, if you're wondering
Speaker 2: what I've learnt since changing, you know, swapping to using cash,
Speaker 2: basically what happened was at the end old, I'll tell
Speaker 2: you everything that I was going to say on Sunrise.
Speaker 2: How's that? Here's the high scroll was exclusive. This is
Speaker 2: what it was meant to happen. So last year I
Speaker 2: noticed that my spending was a bit out of control.
Speaker 2: The budget that I would give myself each week. I
Speaker 2: found that when I was tapping my card, I would
Speaker 2: always go over that and I would just not care
Speaker 2: about it. You know, say, everyone's budget is different, but
Speaker 2: let's just say for example, I gave myself one hundred
Speaker 2: dollars a week to spend. Well, I would just tap
Speaker 2: my card, tap my card, and oh, suddenly, I've spent
Speaker 2: two hundred dollars this week when I was only meant
Speaker 2: to spend one hundred. And so what I did at
Speaker 2: the start of the year is all my regular expenses
Speaker 2: like rent, phone bill, groceries, petrol. Those things don't really
Speaker 2: change very often, so I know they're going to be
Speaker 2: exactly the same amount of money. So I still put
Speaker 2: all those on card. But any of my wants, or
Speaker 2: any of my splurge money, or any of my extracurricular
Speaker 2: activities and recreational spending, so that is movies, dinners with friends,
Speaker 2: new clothes, new outfits, whatever that may be. The things
Speaker 2: that aren't like necessities. But you know your budget that
Speaker 2: used to spend on whatever whatever you want. I've always
Speaker 2: in my budget allocated all my things, put a little
Speaker 2: bit in savings, and then I have, you know, a
Speaker 2: couple hundred dollars to spend on whatever I see fit
Speaker 2: that week. As I said, though, problem last time was
Speaker 2: that I was going over that budget because it was
Speaker 2: so easy to tap. So I was like, okay, instead,
Speaker 2: I'm going to be taking the money out each week
Speaker 2: when I get paid, and it'll be cash. And at
Speaker 2: the start of the year, I was definitely still spending
Speaker 2: one hundred dollars and having a couple dollars left over
Speaker 2: obviously from the change, but I was pretty much spending
Speaker 2: the one hundred dollars every single week. Now I find
Speaker 2: that it's changed my financial literacy and also my relationship
Speaker 2: with money has changed that now I find myself saying,
Speaker 2: you know, if it's Tuesday, I might be like, oh,
Speaker 2: do I really need to buy this? Because on Friday
Speaker 2: I might be going out for dinner and I might
Speaker 2: want to spend sixty It.
Speaker 1: Just feels like not real, like ring, like you don't
Speaker 1: even think about it, which is dangerous.
Speaker 2: So now I like consciously think about every single thing
Speaker 2: that I purchase, and it's rewired my brain. And it
Speaker 2: obviously was clunky at first. It was hard to do it. First.
Speaker 2: It was awkward to pull out cash, especially when you're
Speaker 2: at a cafe and they've already like pressed the f
Speaker 2: force machine and turned around to start making a coffee,
Speaker 2: and like you've got to stand there and be like, sorry,
Speaker 2: I'm paying cash and a lot of people say, like, oh,
Speaker 2: but businesses, some businesses don't take cash anymore. And in
Speaker 2: my six months, I've not experienced that one time. There
Speaker 2: hasn't been one instance where that has happened.
Speaker 1: I will say, like, from a business standpoint, I can
Speaker 1: understand when businesses do no cash. Only reason being is
Speaker 1: like from a convenience standpoint, it is so annoying to
Speaker 1: handle cash in your business. It's like a whole I'm
Speaker 1: sure you would know from back in the day when
Speaker 1: you worked at macas and wherever, Like the whole cash
Speaker 1: handling part within a business is like a whole other
Speaker 1: part that's super annoying. Then you've got to trust your
Speaker 1: employees with cash. Cash is a thing that they can
Speaker 1: easily steal. And then there's the whole thing of the
Speaker 1: till was down today and who hasn't done the banking
Speaker 1: Like so I can kind of get it, Like from
Speaker 1: a business standpoint, just been able to go tap tap tap,
Speaker 1: and all your transactions are online. It's a lot more
Speaker 1: streamlined for businesses that way. I would love to not
Speaker 1: fucking have cash in our businesses, just because it's so
Speaker 1: annoying handling it and dealing with the till being down
Speaker 1: seventy five dollars and having a fucking fine where it went.
Speaker 1: But I also get that people don't want us to
Speaker 1: become a cashless society because it is good to have cash.
Speaker 2: Yeah. Cash is king, Yeah, cash is king. And like,
Speaker 2: I'm not salty if you don't want to take cash
Speaker 2: in your business. But I have just told people because
Speaker 2: a lot of people said, what if you come across
Speaker 2: a business that doesn't take cash? As I said, that
Speaker 2: hasn't happened to me yet. But honestly, why are you
Speaker 2: making excuses like if you really want? I mean, what
Speaker 2: I found when I made that video is a lot
Speaker 2: of people were like, this sounds like a great idea,
Speaker 2: but what about this? And I'm like, there's a really
Speaker 2: fucking easy solution to that matha let's just sort it out,
Speaker 2: because I'm like, are you wanting to save money or
Speaker 2: are you just lazy and looking for an excuse. I
Speaker 2: feel like everyone who had a complaint is just looking
Speaker 2: for an excuse to not make it work. For I
Speaker 2: love to complain my lifestyle right now and my needs
Speaker 2: and what I need to live. The lifestyle that I
Speaker 2: would like requires a business to take my cash because
Speaker 2: that is what I have decided. If your business does
Speaker 2: not take cash, I'm not salty. I'm not some boomer
Speaker 2: who's like, I'm just simply going to go elsewhere because
Speaker 2: your business does not fit my needs. Why would you
Speaker 2: shop at any business that doesn't fit your needs? Do
Speaker 2: you know what I mean? Like, get over your excuses,
Speaker 2: get on with it. Look, it's not revolutionary. It's not
Speaker 2: some life changing hack that's going to make you a
Speaker 2: million dollars. It's just like, in this economy, every cent counts,
Speaker 2: and it has really helped boost my savings. So now
Speaker 2: at the end of the week, let's say I give
Speaker 2: myself one hundred dollars in my budget, I'll find that
Speaker 2: I have around twenty to forty dollars left over at
Speaker 2: the end of the week because I have consciously made decisions.
Speaker 2: Do I need that coffee? Do I need to buy
Speaker 2: that book? Do I need to buy that new outfit?
Speaker 2: Do I need to buy this? Do I need to
Speaker 2: go out for dinner? And if I do go out
Speaker 2: to dinner, do I need to order four cocktails or
Speaker 2: maybe just the one? Because I want to there might
Speaker 2: be something else in the week. So obviously it takes
Speaker 2: a lot of discipline. But anyway, if you're looking to
Speaker 2: save a bit of money, try switching to cash and
Speaker 2: see how it improves your relationship with your money. Because
Speaker 2: for me, personally, it's done wonders, So I recommend it.
Speaker 1: That's your recommendation of the week.
Speaker 2: Any other questions or comments or concerns from Brittany today, No,
Speaker 2: thank you for making this episode all about me. We'll
Speaker 2: be sure to make next week's an't all about you, darling.
Speaker 2: Thanks for listening to close friends. I don't know how
Speaker 2: to wrap this up, so let's just.
Speaker 1: Go get some cash out.
Speaker 2: Oh no, actually I've already got it out. So it's Monday,
Speaker 2: I've already got my cash.
Speaker 1: Out for the week, and I else go get your
Speaker 1: cash out.
Speaker 2: Oh right, okay, so ready, No, but I'll usually do
Speaker 2: like because my I'm with Irong. So no atmfs anyway.
Speaker 2: Oh that's good because they don't have any physical branches
Speaker 2: or physical ATMs, so they can't charge. Well, they don't
Speaker 2: charge for atmfs because they're like, we don't have any
Speaker 2: of our own, so so we get them refunded. We
Speaker 2: have to pay it, but then at refunds automatically shout
Speaker 2: out to ing. Yeah, Iron G is a great bank
Speaker 2: to be with, if you want to say Barefoot Investor,
Speaker 2: girls and boys and everyone in between. If you read
Speaker 2: the Barefoot Investor like we all did in the fucking pandemic,
Speaker 2: I have twenty fucking buckets and it's all working out
Speaker 2: well since switching to cash anyway. So there you go,
Speaker 2: have fun, have a good weekend. We'll see on Tuesday. Downs.
Speaker 2: Bye bye.