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

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Speaker 1: will be Aboriginal Land.

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Speaker 2: Hey cheeks, I'm sal and I'm out And this is

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Speaker 2: two Broat Chicks, the show that shares life lessons and

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Speaker 2: tips to make you rich in life. And today we

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Speaker 2: are talking expensive things that aren't worth the money, expensive

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Speaker 2: shit that's not worth the money.

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Speaker 3: Expensive yah.

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Speaker 2: Yeah, including a bunch of our personal picks and also

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Speaker 2: a bunch of picks submitted by you chicks, which is

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Speaker 2: very interesting. There were definitely lots of trends, but a

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Speaker 2: couple of outliers too, which.

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Speaker 3: We always love.

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Speaker 2: But before we get into it, we love to start

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Speaker 2: with a trending topic or product wreck of the week.

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Speaker 2: Mine is in regards to our Europe prep, so we

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Speaker 2: feel listened to our episode the other week. Alex and

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Speaker 2: I are going to Europe for the very first time, which,

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Speaker 2: of course, men's doing so much research on all of

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Speaker 2: the specific things that you need, so we're.

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Speaker 3: Going to do content on it too. Yeah. Oh my god,

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Speaker 3: you get ready because there's going to be a lot.

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Speaker 2: But my product wreck of the week is a phone

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Speaker 2: case with a cross body phone.

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Speaker 3: Strap, whichever one you like.

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Speaker 2: There's lots of different options out there, but because in

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Speaker 2: really touristy areas, you know, such as Paris or Rome,

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Speaker 2: et cetera.

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Speaker 3: We have snatching. Yeah, we've heard that London as well.

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Speaker 3: I've heard a lot everyway Italy agrees Paris.

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Speaker 2: And then the phone snatching in particular is very common

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Speaker 2: for tourists, especially because you're always walking around with your phone.

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Speaker 3: I've seen heaps and videos of it too my TikTok recently,

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Speaker 3: with like people putting a piece of paper down and

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Speaker 3: then picking the phone up with it, and straight up

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Speaker 3: I would fall for every single one of them.

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Speaker 2: Me too, And I know myself enough to know that

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Speaker 2: that is true. Or like, I've seen the videos of

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Speaker 2: people in London and this isn't to scare anyone. It's

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Speaker 2: the worst case scenario. So it's always good to be prepared,

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Speaker 2: but that you know, you'll be looking at your phone

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Speaker 2: waiting for a bus or something and somebody will ride past.

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Speaker 3: On a bike and just snatch it out of your hand.

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Speaker 2: So I did buy a crossbody phone straff and case.

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Speaker 2: You can get whatever ones you like. You know, how

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Speaker 2: much you spend on it exists on a spectrum depending

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Speaker 2: on what you got.

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Speaker 3: The only thing I would say on top of that though,

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Speaker 3: is especially with like your cross body bags and stuff,

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Speaker 3: you want to make sure that they're like slash proof

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Speaker 3: and stuff. So like there's heaps of travel safe brands

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Speaker 3: that you can look at for your cross body bags

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Speaker 3: that have like a slash proof material so people can't

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Speaker 3: like cut the bag yeah and run with it. And

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Speaker 3: they also have I think it's like RDIF blocking, so

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Speaker 3: people can't like skim your cards through it. And they

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Speaker 3: also have like this little like lock zipper that you

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Speaker 3: like lock the zip to the other end of the thing.

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Speaker 3: And it means that people can't like open your bag

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Speaker 3: when you're not paying attention. Yeah, these be crazy. Yeah,

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Speaker 3: what's yours? Okay, So my product wreck or what's trending

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Speaker 3: is actually a report ooh, sexy money report. So a

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Speaker 3: new report on the cost of living has come out

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Speaker 3: because we saw I saw a comment on our TikTok

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Speaker 3: the other day and it was about how it was

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Speaker 3: a snippet where we were talking about how nearly half

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Speaker 3: of Australians have less than a thousand dollars in their

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Speaker 3: savings and there was a comment on there saying like

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Speaker 3: how do people not have any money in savings, like

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Speaker 3: maybe just stop going out and drinking and you'll be

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Speaker 3: able to save. And I was like, but anyway, I

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Speaker 3: think this was a really good kind of reflection of

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Speaker 3: why because in that snippet we did say that the

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Speaker 3: cost of living crisis is a really main reason as

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Speaker 3: to why people can barely afford to save money, let

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Speaker 3: alone like pay their rent and everything like that. And

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Speaker 3: it's because rent increases have outpaced wage growth by five

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Speaker 3: hundred percent in the first three months of twenty twenty four.

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Speaker 3: What yeah, So data from Domain found that Capital City

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Speaker 3: house rents grew by five percent between January and March,

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Speaker 3: whereas wages grew by less than one percent, sitting at

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Speaker 3: zero point eight percent during the same period. So when again,

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Speaker 3: we're not sharing this information to stress anyone out, because

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Speaker 3: I think you do hear those numbers and you're like,

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Speaker 3: what the fuck? Yeah, what's what the point you do?

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Speaker 3: And even when I was pulling in this report, I

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Speaker 3: was like to say, I was like, what the fuck

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Speaker 3: is going on? I was like, when is something going

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Speaker 3: to be done about this? But I think it's a

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Speaker 3: good reminder for this episode as well to have a

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Speaker 3: conversation have I think about what's the expensive shit that

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Speaker 3: we're buying that we don't really need, Like where can

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Speaker 3: we pull back? Yeah, because I think we're all feeling

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Speaker 3: like the crunch of this, Like my rent went up

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Speaker 3: by one hundred dollars a week this year and that

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Speaker 3: hurt me my feelings. Yeah, and yeah, just a good

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Speaker 3: thing to maybe have a look at the expenses coming

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Speaker 3: in and out of our bank account and what really

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Speaker 3: brings us joy. Like, I think it's really important to

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Speaker 3: still have things in our life and spend the money

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Speaker 3: that we work really hard on, but things that are

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Speaker 3: fun and things that we enjoy, Like it's life is

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Speaker 3: not just about you know, the expenses that's like your

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Speaker 3: groceries and your electricity. Otherwise it's like where's the fun?

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Speaker 3: You know?

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Speaker 2: Yeah, but it's about that balance and yeah, where you

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Speaker 2: can cut back on some of those things and perhaps

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Speaker 2: prioritize the things.

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Speaker 3: That you do really love. When I was like doing

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Speaker 3: the research for this episode, I kept seeing the quote

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Speaker 3: of material rich and money poor. Yeah, And I feel like,

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Speaker 3: especially with how much of it's been normalized to spend

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Speaker 3: money on really expensive stuff now, I think a lot

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Speaker 3: of people listening could probably relate to being material rich

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Speaker 3: and money poor. And what that means is you have

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Speaker 3: a lot of items that are very expensive, yeap that

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Speaker 3: you could look around your apartment and see quite a

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Speaker 3: lot of value and money's worth around, or even look

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Speaker 3: at your makeup routine and see a couple hundred dollars

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Speaker 3: in there, But when you look at your savings, that

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Speaker 3: doesn't that isn't quite reflected there. And again that's not

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Speaker 3: saying like, look at all your bad investments you've made

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Speaker 3: at all, because we've all been there. But it's more

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Speaker 3: to be like, okay, maybe reevaluate, maybe take some learnings

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Speaker 3: from that, being like, Okay, did I need to spend

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Speaker 3: you know, one hundred dollars on that thing? No, Okay,

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Speaker 3: maybe that's one hundred dollars I'll put towards savings next

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Speaker 3: time and I'll buy a more affordable version of that.

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Speaker 3: Like it's like doing a bit of an evaluation. Yeah,

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Speaker 3: that's real reveal performance review of your finance. Yeah, and

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Speaker 3: you're spending because we love shopping and getting a good

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Speaker 3: bargain as much as the next person. But it really

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Speaker 3: has made me think about some of the things that

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Speaker 3: I own and whether I would repurchase them again. Yeah,

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Speaker 3: it's like, would you.

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Speaker 2: Rather see that money reflected in that handbag or in

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Speaker 2: your back we're savings account exactly.

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Speaker 3: And it made me come to the conclusion of you

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Speaker 3: will never regret a good purchase, Like there have been

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Speaker 3: things that I've spent a lot of money on but

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Speaker 3: I needed that or I love it and I do

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Speaker 3: not regret it, Whereas like, there are things that I

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Speaker 3: look at and it makes it feel sick, which I

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Speaker 3: will talk about, But I'm like, you will never ever

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Speaker 3: ever feel guilty or have that voice in your head

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Speaker 3: saying should I be doing this when it's a good purchase?

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Speaker 3: You know deep down and if you have that buyer's

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Speaker 3: remorse and that buyer is guilt before buying something, you

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Speaker 3: know it's not a good purchase. I agree.

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Speaker 2: How good is the feeling when you listen to your

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Speaker 2: gut and you didn't buy something, and then a week

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Speaker 2: later you're like, oh, I'm so glad.

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Speaker 3: I didn't buy it. Yeah.

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Speaker 2: Yeah, And I think a lot of the time, you know,

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Speaker 2: similar to the things that we've said in the past,

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Speaker 2: but a lot of the time we buy like brand

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Speaker 2: name things or we invest in really expensive things because

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Speaker 2: we feel like we need to almost role play that

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Speaker 2: where successful and doing well. And I think it's really

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Speaker 2: hard because you see people on TikTok and Instagram wearing

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Speaker 2: brand names and doing halls of you know what they've

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Speaker 2: been shopping, and you're like, well I need that and

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Speaker 2: I need to wear like the Gucci belts so people

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Speaker 2: can physically see, Okay, she's.

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Speaker 3: Doing well, but can we stop doing that? Well, that's

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Speaker 3: a marketing tactic. The marketing tactic of brands is to

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Speaker 3: sell a lifestyle. Yeah. That's why you'll see so many,

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Speaker 3: especially fashion brand the content has changed and that's why

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Speaker 3: it's like like I saw a post from a fashion

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Speaker 3: brand that was about a girl getting proposed to, but

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Speaker 3: it's about the dress that she's wearing, right, So it's

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Speaker 3: like they're selling like, oh look, this dress is perfect

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Speaker 3: to get proposed yeah, which, you know whatever, brands can

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Speaker 3: do what they want, but it's good having that in

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Speaker 3: your mentality of being like you're getting sold a lifestyle, yeah,

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Speaker 3: rather and that's why it's easy to fall into because

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Speaker 3: it's like, well, I want to get proposed to, like

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Speaker 3: you know, and it's it's how those things get in

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Speaker 3: your brain and it's so easy to like I've fallen

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Speaker 3: for it so many times. Oh totally. But that's why

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Speaker 3: continue to do So, that's why we see like that

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Speaker 3: girl trend, the clean girl trend, the tomato girl trend,

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Speaker 3: because we're getting sold lifestyles. Yeah, it's like the tomato

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Speaker 3: girl trend that had popped off about last year because

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Speaker 3: it was like she's wearing fucking linen and she's in Europe. Yeah, Like,

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Speaker 3: if you want a tomato, you want to buy linen.

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Speaker 3: Buy linen because you need it because you're going on

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Speaker 3: a holiday. Don't buy it because you're a tomato. Yeah,

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Speaker 3: okay exactly.

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Speaker 2: But like the validation that you get from those sorts

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Speaker 2: of things is so fleeting, whereas the validation that you

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Speaker 2: feel from investing your money in things that actually.

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Speaker 3: Align with your values where you want to be in life,

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Speaker 3: or something you actually need, something you actually anything wrong

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Speaker 3: with buying stuff that you need. Like if you're going

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Speaker 3: away and you need, you know, a nice outfit because

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Speaker 3: you're going to a really nice dinner and you're really

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Speaker 3: excited for that. I think that's so fine, but it's

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Speaker 3: something that you know you're going to wear again and

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Speaker 3: again after that, like and it checks. Like the boxes

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Speaker 3: before your purchase. Yeah, of being like, is it on sale?

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Speaker 3: Is the cost per we're gonna be low? Okay, so

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Speaker 3: shall we get into it. I also do want to

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Speaker 3: have a little disclaimer that just because these didn't work

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Speaker 3: for us, or didn't work for one of the chicks

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Speaker 3: that sent it in, doesn't mean it's a bad product,

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Speaker 3: doesn't mean it's you know, you shouldn't buy it or whatever.

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Speaker 3: You are so welcome to make your own decisions with

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Speaker 3: your money. This is just what didn't work for us,

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Speaker 3: But if it works for someone else, and that's so

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Speaker 3: great because I'm glad people got their money as well. Yeah, okay,

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Speaker 3: my first expensive shit not worth the cash Shoka is

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Speaker 3: that you chicks know that my biggest regret is buying

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Speaker 3: a designer handbag. Every time I see it, I'm like you, yeah,

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Speaker 3: Like I still have it and use it because I

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Speaker 3: need to. Yeah, otherwise I'll be like you fucking eat it.

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Speaker 3: But I regret spending that amount on one piece. And

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Speaker 3: again that's not to say no one should buy it,

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Speaker 3: but for me spending that amount of money towards something

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Speaker 3: I feel like I could have got better value because

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Speaker 3: I came one hundred percent get like a leather bag,

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Speaker 3: a leather handbag for three hundred dollars, not three thousand. Yeah,

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Speaker 3: Like I think about what that money could have gone towards,

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Speaker 3: or just could have put in savings or invested it,

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Speaker 3: and I'm like, cool, it's a bag. Yeah, and I

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Speaker 3: don't and I don't use it. That's the thing is

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Speaker 3: like me, I don't use it because I'm scared of

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Speaker 3: someone stealing it or getting damaged and then I'm not

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Speaker 3: getting any cost per wear out of it. Yeah. And

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Speaker 3: it was a lifestyle thing. Yeah, Like I was like, oh,

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Speaker 3: it's a nice bag, and then I was seeing it

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Speaker 3: all over TikTok and all over Pinterest and the lifestyles

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Speaker 3: of like wear this bag feats out like oh that's

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Speaker 3: the nice I need it, I want it, I love it. Yeah,

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Speaker 3: and I can't even fit all my shit in it.

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Speaker 3: It's so stupid. Yeah, it's like the utility is not it. Yeah,

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Speaker 3: Like I'll use it, but I definitely regret buying it.

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Speaker 3: But I'm also not the only one that has this

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Speaker 3: opinion because designer stuff and name brand products, in my

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Speaker 3: opinion and a lot of the Chicks submissions, is just

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Speaker 3: not worth the money. And so when I was doing

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Speaker 3: the research, one creator called Christine on TikTok. I'll link

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Speaker 3: it in the show notes. Did a whole series of

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Speaker 3: purchases she regrets, and I'm going to say, like eighty

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Speaker 3: percent of them were designer products. Wow. So I don't

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Speaker 3: know if I missed any of them, but I think

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Speaker 3: I got all of them, and four out of five

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Speaker 3: were a designer product. Oh my god. So number one

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Speaker 3: was the Gucci slides. These were one four hundred and

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Speaker 3: fifty dollars and she said they were super uncomfortable, had

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Speaker 3: blisters and she had to get them resold so they

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Speaker 3: weren't slippery. Oh no. The next were the Frankie shot

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Speaker 3: Bee trousers. So these are three hundred and ninety eight

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Speaker 3: dollars and their polyester pants with what she said like

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Speaker 3: have a very fast fashioned feel to them. Right. The

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Speaker 3: next was a wiresel smoking moto jacket, and I couldn't

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Speaker 3: find the exact style, but she did say she bought

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Speaker 3: it secondhand. But I looked up a wire cl leather

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Speaker 3: jacket and it retails for over seven thousand dollars. And

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Speaker 3: the biggest thing with this is she said the whole

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Speaker 3: time that she was talking with the seller. She had

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Speaker 3: the voice in her head being like, I don't know

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Speaker 3: if I should be buying this, Like her body was

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Speaker 3: like propulsed by it, and she felt like she shouldn't

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Speaker 3: be doing it. So it's like listening to that voice.

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Speaker 3: And then the fourth out of fifth was the Chloe's

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Speaker 3: Susanna Boots YEP which retail for one thy eight hundred

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Speaker 3: and last but not least, was the Dice in air

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Speaker 3: rap Yeah whell so on that. This was the second

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Speaker 3: most popular submission that we received to our question box

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Speaker 3: on Instagram, and I actually did all the numbers on it,

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Speaker 3: and thirteen percent of responses to expensive shit that wasn't

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Speaker 3: worth the money was the Dyson Wow. Yeah. So I

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Speaker 3: also want to preface this by saying that I've had

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Speaker 3: my Dison air at for that five years and I

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Speaker 3: I love it. I love it, but it works really

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Speaker 3: well with my hair and I actually use it, Whereas

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Speaker 3: I think the main downfall that I've seen and the

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Speaker 3: main kind of negative review is it not working on

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Speaker 3: people's hair, like their hair drops out of it quite

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Speaker 3: quickly or they just don't have the time to use it.

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Speaker 3: And it's definitely a product that you have to kind

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Speaker 3: of do it. Probably you've got to have wet hair.

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Speaker 3: You've got to, you know, maybe put some product in

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Speaker 3: it to make a hold of bit better. And you've

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Speaker 3: got to take the time to fully blow dry your hair.

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Speaker 3: But yeah, if you're not someone who wants to spend

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Speaker 3: time doing your hair, then it's probably not the best investment.

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Speaker 3: I also bought my dice in the first edition secondhand

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Speaker 3: on Facebook marketplace, so I paid like four hundred dollars

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Speaker 3: for it, whereas now it retails for eight hundred and

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Speaker 3: forty nine dollars. And I looked up the price from

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Speaker 3: when it first launch and it was six hundred and

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Speaker 3: ninety nine dollars. Yeah, but it had has had some

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Speaker 3: like tweaks to it.

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Speaker 2: Does I have like different attachments and the textiles, Like

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Speaker 2: you don't have to switch the barrels anymore.

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Speaker 3: It's got like a long barrel and a short barrel.

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Speaker 3: But I still have the first edition. I haven't bought

300
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Speaker 3: a new one and it still does the job. Yeah,

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Speaker 3: But yeah, I think the thing with the dice in

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Speaker 3: air rap is you can go in store, you can

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Speaker 3: book in and they'll give you a blow dry and

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Speaker 3: you can test the dice in air rap and see

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Speaker 3: if it holds on your hair or if you know

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Speaker 3: someone that has it, borrow theirs for maybe a weekend,

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Speaker 3: and see if you like it, see if you'll actually

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Speaker 3: use it, because nearly nine hundred dollars eight hundred and

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Speaker 3: forty nine that is a lot of money on something

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Speaker 3: that you won't won't use. Yeah, and go look on

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Speaker 3: faceook marketplace, yeah, honestly, or wait till Black Friday or

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Speaker 3: a sale event. Yeah.

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Speaker 2: Yeah, because I think so many people were influenced by

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Speaker 2: the trend of the dice in air rap, you know,

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Speaker 2: over the last it because especially stars of Matilda Jeff

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Speaker 2: and her amazing bouncy blow dry.

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Speaker 3: Yeah, she looks gorgeous, but her hair.

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Speaker 2: Was like made for the diceon airp for a nineties

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Speaker 2: blow dry, like she is, Like if you look up

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Speaker 2: dice and air app in the dictionary, there's probably a

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Speaker 2: picture of her.

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Speaker 3: Oh definitely.

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Speaker 2: So it's not gonna work for everyone. So I think

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Speaker 2: that's such a good tip to try it first.

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Speaker 3: Yeah, definitely try it first. But because you love it,

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Speaker 3: I love mine. But there's also other products that are

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Speaker 3: a lot more affordable that you can get the same look.

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Speaker 3: Like I've heard lots of really good things about the

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Speaker 3: Diboost blow dry brush. I also well, we also tested

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Speaker 3: the Mermaid hair air curl and their blow dry brush,

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Speaker 3: and I really liked that. I thought the look was

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Speaker 3: honestly bang on. Yeah, so what to buy instead is

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Speaker 3: good quality affordable basics or like better yet shop secondhand.

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Speaker 3: So if you want good basics, I am obsessed with Uniclo.

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Speaker 3: I cannot stop recommending them for basics because the price

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Speaker 3: to the like fabric and quality of what you get

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00:17:34,760 --> 00:17:39,239
Speaker 3: is just so so good in my opinion. Like the

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00:17:39,320 --> 00:17:43,360
Speaker 3: styles are very universal, meaning they're not super trend focused.

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Speaker 3: It's all basics, so it's so good. You can also

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Speaker 3: get alterations in uniclose stores, which is for short girlies

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Speaker 3: amazing because you can get like the jeans taken up

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Speaker 3: or the pants taken up, and I just love them.

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Speaker 3: But Uniclo have a sustainability rating of out of five,

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Speaker 3: and I think it's really hard to find affordable basics

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Speaker 3: that are made with a good material that are you know,

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Speaker 3: above a three, a three and above because a lot

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Speaker 3: of you know, those brands that sit more affordable are

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Speaker 3: going to sit at a one to or two because

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Speaker 3: they're affordable when we look at affordable clothing, a lot

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00:18:20,400 --> 00:18:22,320
Speaker 3: of the time it means it's not the kindest to

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Speaker 3: the planet, and that's why it's more affordable. Yeah, and

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Speaker 3: then when we look at sustainable, because there's more sustainable practices,

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Speaker 3: it will increase the price. So it's very difficult to

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Speaker 3: find the middle ground. And I feel like uniclothes probably

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Speaker 3: the closest thing to that middle ground. But yeah, that's

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Speaker 3: where I would shop if you want to invest in

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Speaker 3: pieces that are good quality and affordable. And then Bettiette

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Speaker 3: shop secondhand.

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Speaker 2: Okay, my first expensive shiet that isn't worth the money

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00:18:51,320 --> 00:18:54,600
Speaker 2: for me personally is hair extensions.

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Speaker 3: So no, for years, for literal years, I wore hair extensions.

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Speaker 2: What yeah, from maybe about when I was in year ten,

363
00:19:04,840 --> 00:19:08,160
Speaker 2: which was about two thousand and eight to twenty fifteen,

364
00:19:08,520 --> 00:19:09,560
Speaker 2: I wore hair extensions.

365
00:19:09,600 --> 00:19:12,480
Speaker 3: What's the fuck? But you've always had long hair. But

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00:19:12,680 --> 00:19:13,320
Speaker 3: that's the thing.

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00:19:13,440 --> 00:19:17,080
Speaker 2: When I was like in year ten, I didn't really

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00:19:17,280 --> 00:19:20,320
Speaker 2: like my hair was about would have been shorter than yours.

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00:19:20,520 --> 00:19:23,080
Speaker 2: I also had like, you know, like a razor cut

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Speaker 2: mullet and then it's like thin on the ends, Like

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Speaker 2: that was the.

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Speaker 3: Look at the time. But then you.

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Speaker 2: The further extension of that look PUN intended was then

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Speaker 2: to have like long extensions in it. And then as

375
00:19:34,720 --> 00:19:37,520
Speaker 2: like I got older, you know, my hair changed. I

376
00:19:37,560 --> 00:19:40,600
Speaker 2: always wanted a little bit more length and more thickness,

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Speaker 2: so I always wore extensions. I used to wear sew

378
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Speaker 2: in extensions, oh for.

379
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Speaker 3: A long time. They're really expensive.

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00:19:48,320 --> 00:19:52,399
Speaker 2: Tape in extensions I've had. And then also clip ins

381
00:19:52,760 --> 00:19:55,560
Speaker 2: as well, yeah, which I do think if you're going

382
00:19:55,640 --> 00:19:57,920
Speaker 2: to pick anything, if you've never had extensions before, clip

383
00:19:58,000 --> 00:19:59,520
Speaker 2: ins is like a good place to start.

384
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Speaker 3: And also because I.

385
00:20:01,760 --> 00:20:04,679
Speaker 2: Just hate the feeling of having fucking extensions in your.

386
00:20:04,560 --> 00:20:06,439
Speaker 3: Head and you want to like scratch your scalp and

387
00:20:06,480 --> 00:20:06,919
Speaker 3: you can't.

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00:20:08,400 --> 00:20:13,720
Speaker 2: Sorry, I just add a flash back, but when I

389
00:20:13,800 --> 00:20:16,840
Speaker 2: first started getting hair extensions, like the prices have changed

390
00:20:16,920 --> 00:20:19,560
Speaker 2: a lot since then, because we're talking like fifteen years.

391
00:20:19,960 --> 00:20:23,480
Speaker 2: But I probably haven't worn hair extensions since like maybe

392
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Speaker 2: twenty eighteen, and I did have tape in hair extensions

393
00:20:27,480 --> 00:20:31,000
Speaker 2: at that time, but I had a look and according

394
00:20:31,040 --> 00:20:35,600
Speaker 2: to the Australian Beauty School in Salon, hair extensions can

395
00:20:35,760 --> 00:20:39,680
Speaker 2: cost between five hundred and eight hundred dollars per installation.

396
00:20:40,560 --> 00:20:43,000
Speaker 2: How much you'll pay will of course depend on the

397
00:20:43,080 --> 00:20:45,800
Speaker 2: quality of the hair, the quality of the salon, if

398
00:20:45,800 --> 00:20:48,920
Speaker 2: you're working with a hair extension specialist, which I do

399
00:20:48,960 --> 00:20:52,639
Speaker 2: think is really important in terms of the application, and

400
00:20:52,680 --> 00:20:55,320
Speaker 2: also removal of the extensions to protect your hair.

401
00:20:55,880 --> 00:20:57,000
Speaker 3: But clip ins are.

402
00:20:56,920 --> 00:21:00,199
Speaker 2: Of course, like I said, a more affordable option. I

403
00:21:00,280 --> 00:21:03,320
Speaker 2: used to use hair extensions from Zala Hair.

404
00:21:03,840 --> 00:21:07,400
Speaker 3: I remember them throw a back yeah, which around.

405
00:21:07,520 --> 00:21:10,679
Speaker 2: Yeah they are, yeah, and they're still really popular, I believe,

406
00:21:11,080 --> 00:21:15,760
Speaker 2: but those started at ninety nine dollars, but that was for.

407
00:21:16,160 --> 00:21:18,840
Speaker 3: Like like one string, yeah, so like quite.

408
00:21:18,600 --> 00:21:20,840
Speaker 2: Short length of hair, whereas I used to get like

409
00:21:20,920 --> 00:21:23,800
Speaker 2: the twenty two inch or whatever and then get them

410
00:21:23,880 --> 00:21:26,800
Speaker 2: cut into And the thing for me is what I

411
00:21:26,800 --> 00:21:28,640
Speaker 2: will say is that like a lot of people want

412
00:21:28,680 --> 00:21:31,280
Speaker 2: to play with the length of their hair their hair

413
00:21:31,320 --> 00:21:35,479
Speaker 2: not like might not grow as quickly. I was talking

414
00:21:35,520 --> 00:21:37,960
Speaker 2: to a hairdresser the other day and she was like, yeah, well,

415
00:21:37,960 --> 00:21:40,520
Speaker 2: you know, we see a lot of people who experience

416
00:21:40,560 --> 00:21:44,439
Speaker 2: hair loss, so they want hair extensions, you know. So

417
00:21:44,480 --> 00:21:47,760
Speaker 2: there's lots of different reasons why people would want hair extensions.

418
00:21:47,760 --> 00:21:49,000
Speaker 3: And I'm not saying.

419
00:21:48,720 --> 00:21:52,879
Speaker 2: That it is, you know, completely worthless investment, but for

420
00:21:52,960 --> 00:21:56,480
Speaker 2: me personally, what my goal with my hair extensions was

421
00:21:56,520 --> 00:21:59,840
Speaker 2: to have longer and thicker hair because I wasn't going

422
00:21:59,840 --> 00:22:07,360
Speaker 2: too you know, a really qualified hair extension specialist. The

423
00:22:07,400 --> 00:22:11,720
Speaker 2: amount of damage that they did to my hair every

424
00:22:11,760 --> 00:22:15,640
Speaker 2: single time, I would get so much breakage when I

425
00:22:15,680 --> 00:22:19,240
Speaker 2: was removing it that it just if I had left

426
00:22:19,280 --> 00:22:23,600
Speaker 2: it and instead focused on investing in good quality shampoo

427
00:22:23,640 --> 00:22:28,680
Speaker 2: and conditioner, hair masks, getting regular trims, things like that,

428
00:22:29,240 --> 00:22:32,480
Speaker 2: my hair would have grown and been thicker so much

429
00:22:32,520 --> 00:22:35,280
Speaker 2: quicker than when I was wearing hair extensions. And once

430
00:22:35,320 --> 00:22:39,440
Speaker 2: I did stop wearing hair extensions and did start focusing

431
00:22:39,520 --> 00:22:43,399
Speaker 2: on those things, that's exactly why I And I'm just like, yeah, God,

432
00:22:43,520 --> 00:22:45,879
Speaker 2: damn it, Like I just wish I knew that in

433
00:22:45,960 --> 00:22:50,080
Speaker 2: hindsight for me personally, because I know that in my

434
00:22:50,359 --> 00:22:53,080
Speaker 2: teens and early twenties, I spent a lot of money

435
00:22:53,119 --> 00:22:54,120
Speaker 2: on hair extensions.

436
00:22:54,440 --> 00:22:56,240
Speaker 3: Yeah, what to buy instead?

437
00:22:56,920 --> 00:23:01,359
Speaker 2: Invest in a good quality hair mask, heat protect and

438
00:23:01,440 --> 00:23:07,040
Speaker 2: good shampoo and conditioner. Visit a hairdresser who can give

439
00:23:07,080 --> 00:23:09,840
Speaker 2: you good advice on which products to use for your

440
00:23:09,960 --> 00:23:14,239
Speaker 2: particular hair type and your hair concerns and goals. You know,

441
00:23:14,280 --> 00:23:17,359
Speaker 2: like I go to the hairdressers twice a year. Yeah,

442
00:23:17,400 --> 00:23:20,280
Speaker 2: Like that's all it takes for me. And even deciding

443
00:23:20,320 --> 00:23:23,159
Speaker 2: to go from jet black hair, which is what I

444
00:23:23,200 --> 00:23:24,760
Speaker 2: had for the majority of the time when I had

445
00:23:24,800 --> 00:23:29,840
Speaker 2: hair extensions two or more lived in Ballyage. That means

446
00:23:29,840 --> 00:23:32,480
Speaker 2: that instead of having to get my hair done every

447
00:23:32,520 --> 00:23:35,000
Speaker 2: three months, I now get it done once or twice

448
00:23:35,040 --> 00:23:37,920
Speaker 2: a year. One of my personal favorites, which I've spoking

449
00:23:37,960 --> 00:23:41,119
Speaker 2: about many times on the show, loosely, braid your hair

450
00:23:41,560 --> 00:23:43,439
Speaker 2: before you go to sleep. I used to wear it

451
00:23:43,520 --> 00:23:46,240
Speaker 2: up in a top knot, and shit, it's not good

452
00:23:46,240 --> 00:23:48,240
Speaker 2: for your hair. Causes a lot of breakage and tension

453
00:23:48,240 --> 00:23:50,720
Speaker 2: on your hair. And sleep on a silk pillowcase.

454
00:23:51,880 --> 00:23:54,800
Speaker 3: Sure do well. Everyone always asks you if you have extensions.

455
00:23:54,880 --> 00:23:58,200
Speaker 2: They do, yeah, and they're always so shocked, and I'm like, yeah,

456
00:23:58,560 --> 00:23:59,760
Speaker 2: the special moment.

457
00:24:01,880 --> 00:24:05,639
Speaker 3: My next expensive shit not worth the cash. AirPods I

458
00:24:05,640 --> 00:24:10,200
Speaker 3: don't like. I don't like it well because ever since

459
00:24:10,240 --> 00:24:16,040
Speaker 3: I got like noise canceling overhead headphones, my life has changed.

460
00:24:16,400 --> 00:24:19,320
Speaker 3: I just I know some people love their AirPods, but

461
00:24:19,359 --> 00:24:22,199
Speaker 3: for me, they always fall out of my ears, like

462
00:24:22,240 --> 00:24:24,440
Speaker 3: they always like, you can't go for a run in them.

463
00:24:24,480 --> 00:24:27,520
Speaker 3: You can barely even go for a brisk wall because

464
00:24:27,800 --> 00:24:29,600
Speaker 3: I don't know. Maybe I've got really small ears. I've

465
00:24:29,640 --> 00:24:31,160
Speaker 3: had the wind blow an airport out.

466
00:24:31,080 --> 00:24:36,040
Speaker 2: Of my ear before me, the window, the toad from

467
00:24:36,080 --> 00:24:37,280
Speaker 2: the wind, and the willows.

468
00:24:39,359 --> 00:24:42,239
Speaker 3: Of my ears just they fall out. And here's the

469
00:24:42,240 --> 00:24:46,479
Speaker 3: thing for me, there's three pieces. There's three things I

470
00:24:46,480 --> 00:24:50,680
Speaker 3: can lose. You lose one AirPod, you're fucked. You lose

471
00:24:50,840 --> 00:24:54,119
Speaker 3: the case, you're fucked. There is too many things I

472
00:24:54,160 --> 00:24:58,760
Speaker 3: can lose in that arrangement that I just I can't

473
00:24:58,760 --> 00:25:01,359
Speaker 3: do it. Yeah, don't play They're not for me. And

474
00:25:01,400 --> 00:25:04,399
Speaker 3: I also just think the sound on them is just

475
00:25:04,480 --> 00:25:07,160
Speaker 3: it's not it's not there for me. In saying this,

476
00:25:07,400 --> 00:25:10,080
Speaker 3: I never got like the Pro ones. I had like

477
00:25:10,160 --> 00:25:13,240
Speaker 3: the first edition ones, but I've used your Pro ones

478
00:25:13,280 --> 00:25:16,080
Speaker 3: and I don't like them. I definitely like the pros

479
00:25:16,119 --> 00:25:20,200
Speaker 3: better than I was inside your ear. Yeah, but I also.

480
00:25:19,960 --> 00:25:22,120
Speaker 2: Have beats which I've had for like I think three

481
00:25:22,240 --> 00:25:23,120
Speaker 2: or four years now.

482
00:25:23,200 --> 00:25:27,240
Speaker 3: Yeah, and the sound quality is so much Well, that's

483
00:25:27,359 --> 00:25:29,000
Speaker 3: the thing, and that's what I was gonna say. Is

484
00:25:29,000 --> 00:25:32,240
Speaker 3: my wa to buy instead is a good pair of

485
00:25:32,320 --> 00:25:37,439
Speaker 3: noise canceling overhead headphones. Like they are just they've been

486
00:25:37,480 --> 00:25:39,440
Speaker 3: a game changer for me. The ones that I have

487
00:25:39,560 --> 00:25:42,320
Speaker 3: that I absolutely love that I think I've convinced that

488
00:25:42,359 --> 00:25:45,280
Speaker 3: like four friends to buy and they are an investment.

489
00:25:45,680 --> 00:25:50,320
Speaker 3: Is the both quiet comfort headphones. And my favorite thing

490
00:25:50,320 --> 00:25:54,120
Speaker 3: about these is one they do not fall out anywhere.

491
00:25:54,440 --> 00:25:57,960
Speaker 3: They stay on your head. They're great. They're also really

492
00:25:58,119 --> 00:26:01,960
Speaker 3: really comfy, like really really comfy. They don't hurt any

493
00:26:02,000 --> 00:26:06,480
Speaker 3: of my piercings in my ears, and the noise cancelation

494
00:26:06,600 --> 00:26:10,400
Speaker 3: of them is lit. It's great. And they can connect

495
00:26:10,400 --> 00:26:13,480
Speaker 3: to multiple devices at once. I don't know if airports

496
00:26:13,520 --> 00:26:16,720
Speaker 3: can do that now. I don't know mine. I don't

497
00:26:16,720 --> 00:26:18,880
Speaker 3: think mine could do it. Whereas I my headphones will

498
00:26:18,880 --> 00:26:21,440
Speaker 3: connect to my laptop and my phone at the same time.

499
00:26:21,640 --> 00:26:24,000
Speaker 3: When I'm working and I'm working on my laptop and

500
00:26:24,040 --> 00:26:25,680
Speaker 3: I'm listening to something with my laptop, I can pick

501
00:26:25,720 --> 00:26:28,240
Speaker 3: up my phone and my phone will go through the

502
00:26:28,240 --> 00:26:31,200
Speaker 3: headphones as well. Oh it just yeah, I think the

503
00:26:31,280 --> 00:26:33,480
Speaker 3: airports do that. Do they do that? Okay, I don't

504
00:26:33,480 --> 00:26:35,480
Speaker 3: know if I did that. I hate when it does that, though,

505
00:26:35,560 --> 00:26:36,560
Speaker 3: Oh really I like it.

506
00:26:36,640 --> 00:26:38,640
Speaker 2: That's only because when I'm like, when I'm like listening

507
00:26:38,680 --> 00:26:41,119
Speaker 2: to something like it's always because I'm like editing something

508
00:26:41,200 --> 00:26:43,719
Speaker 2: or whatever, listening back to the podcast, and then I

509
00:26:43,760 --> 00:26:45,680
Speaker 2: like pick up my phone and like open Instagram that

510
00:26:45,760 --> 00:26:47,200
Speaker 2: it like goes over to that.

511
00:26:47,200 --> 00:26:51,080
Speaker 3: Too real and I'm like no, stop, see I like that.

512
00:26:51,720 --> 00:26:54,600
Speaker 3: And then there's only one thing you can lose, and

513
00:26:54,640 --> 00:26:57,600
Speaker 3: they're a lot bigger, so it's not harder to lose them. Yeah,

514
00:26:57,640 --> 00:26:59,440
Speaker 3: they don't end up in the washing machine, you know

515
00:26:59,480 --> 00:26:59,880
Speaker 3: what I mean.

516
00:27:00,320 --> 00:27:03,399
Speaker 2: I think wait for a sale event, like these things

517
00:27:03,440 --> 00:27:06,520
Speaker 2: go on sale during Black Friday or like when it's

518
00:27:06,600 --> 00:27:07,399
Speaker 2: Christmas and you're.

519
00:27:07,240 --> 00:27:08,119
Speaker 3: Like what do I want?

520
00:27:08,400 --> 00:27:14,560
Speaker 2: Yeah, be like mom, Dad, party high. I feel like,

521
00:27:14,560 --> 00:27:18,239
Speaker 2: can you please all pull in for a JB Like

522
00:27:18,480 --> 00:27:19,480
Speaker 2: I love them.

523
00:27:19,800 --> 00:27:21,640
Speaker 3: Yeah, It's like it's a I don't know if it's

524
00:27:21,640 --> 00:27:24,480
Speaker 3: a bit of a boring purchase, but and I think

525
00:27:24,560 --> 00:27:29,080
Speaker 3: it's worth the spurge, especially when you're using them every day,

526
00:27:29,160 --> 00:27:31,080
Speaker 3: Like I use them every day when I'm going for

527
00:27:31,160 --> 00:27:33,520
Speaker 3: a walk or a run, or on transport or going

528
00:27:33,560 --> 00:27:36,199
Speaker 3: on an airplane. Not that that's every day, but like

529
00:27:36,240 --> 00:27:38,080
Speaker 3: whenever I'm going on an overseas trip, you need the

530
00:27:38,119 --> 00:27:40,960
Speaker 3: nolise canceling headphones. Yeah, that's how I justify them.

531
00:27:40,960 --> 00:27:43,480
Speaker 2: I'd be like, especially when we worked in an office job,

532
00:27:43,560 --> 00:27:46,600
Speaker 2: I was like, I'm wearing my headphones day, ten.

533
00:27:46,520 --> 00:27:50,439
Speaker 3: Hours a day, and that's not hyperbole. So Yeppos, I

534
00:27:50,520 --> 00:27:51,040
Speaker 3: love them.

535
00:27:51,200 --> 00:27:56,320
Speaker 2: My last expensive shit that's not worth the money is

536
00:27:56,359 --> 00:27:57,440
Speaker 2: bottomless brunch.

537
00:27:58,240 --> 00:28:01,800
Speaker 3: Oh, because you're so right. No, you're so right. Fuck you,

538
00:28:01,800 --> 00:28:06,120
Speaker 3: you're so controversial. No, but you're so right. This one

539
00:28:06,160 --> 00:28:10,879
Speaker 3: maybe has an asterix. Maybe, but for me, oh, I

540
00:28:10,920 --> 00:28:12,000
Speaker 3: know where we're going with it.

541
00:28:12,160 --> 00:28:15,200
Speaker 2: But for some people and in some situations, maybe a

542
00:28:15,200 --> 00:28:18,919
Speaker 2: bottomless brunch can give you bang for buck. But for

543
00:28:19,040 --> 00:28:22,600
Speaker 2: me personally, I never feel like I can eat and

544
00:28:22,680 --> 00:28:25,399
Speaker 2: drink enough in the allotted period of an hour and

545
00:28:25,440 --> 00:28:28,520
Speaker 2: a half, which it usually is to make.

546
00:28:28,359 --> 00:28:32,880
Speaker 3: Up the money. Yeah. Ever yeah, Also, I'm a vegetarian.

547
00:28:32,960 --> 00:28:36,359
Speaker 2: I don't know if anybody else with dietares feels this way.

548
00:28:36,480 --> 00:28:38,720
Speaker 2: But a lot of the time the bottomless brunch, the

549
00:28:38,800 --> 00:28:40,680
Speaker 2: appeal is, oh, you get to have options. I can

550
00:28:40,680 --> 00:28:43,440
Speaker 2: have this taco and this taco and this taco. Most

551
00:28:43,440 --> 00:28:45,520
Speaker 2: of the time I look and there's one option, and

552
00:28:45,520 --> 00:28:48,120
Speaker 2: most of the time it's fucking mushroom anyway, eggplant or

553
00:28:48,160 --> 00:28:49,760
Speaker 2: eggplant you have.

554
00:28:49,640 --> 00:28:51,520
Speaker 3: Two favorites, my two favorites.

555
00:28:51,600 --> 00:28:54,520
Speaker 2: But regardless, even if it was something I really enjoyed,

556
00:28:54,560 --> 00:28:56,600
Speaker 2: i'd be like, oh, well, I'm sort of just snacking

557
00:28:56,680 --> 00:28:58,880
Speaker 2: on the one thing. And usually I look at it

558
00:28:58,920 --> 00:29:01,440
Speaker 2: and I'm like, I probably would have been better off

559
00:29:01,440 --> 00:29:05,200
Speaker 2: buying one cocktail, yeah, having three tacos, and then probably

560
00:29:05,200 --> 00:29:06,320
Speaker 2: getting a vodka lime soda.

561
00:29:06,440 --> 00:29:08,760
Speaker 3: And that's what I would usually room in about them

562
00:29:08,760 --> 00:29:11,320
Speaker 3: now too, So like the rules will be like you've

563
00:29:11,320 --> 00:29:13,240
Speaker 3: got to finish the I mean, it's probably just the

564
00:29:13,280 --> 00:29:17,160
Speaker 3: responsible service of alcohol totally, but it's like you've got

565
00:29:17,160 --> 00:29:20,120
Speaker 3: to finish like that drink before you can order another drink.

566
00:29:20,400 --> 00:29:23,680
Speaker 3: And I find that with some places the service is

567
00:29:24,400 --> 00:29:27,680
Speaker 3: very slow, so that you can't get as many drinks

568
00:29:27,720 --> 00:29:30,560
Speaker 3: within the time. That's not to say everywhere, but I've

569
00:29:30,600 --> 00:29:33,240
Speaker 3: definitely noticed that at some It's like I'm there and

570
00:29:33,280 --> 00:29:36,040
Speaker 3: my drink is empty, but my drink's been empty for ages,

571
00:29:36,440 --> 00:29:38,040
Speaker 3: and I'm trying to get a drink and it takes

572
00:29:38,120 --> 00:29:40,880
Speaker 3: a while to get it out because and who knows

573
00:29:40,880 --> 00:29:42,560
Speaker 3: if that's on purpose or if I'm just banging for

574
00:29:42,600 --> 00:29:48,240
Speaker 3: a bed. You were cut off, and I'm like, oh,

575
00:29:48,240 --> 00:29:51,120
Speaker 3: come on, but yeah, I completely agree. And I feel

576
00:29:51,120 --> 00:29:55,640
Speaker 3: like bottomless brunches started at like sixty bucks and now

577
00:29:56,200 --> 00:29:59,560
Speaker 3: they're very much more towards the eighty to like nine

578
00:29:59,600 --> 00:30:03,360
Speaker 3: hundred of wheny I've seen some more. But here's the thing,

579
00:30:04,040 --> 00:30:07,160
Speaker 3: I get full really quickly. I don't feel like I

580
00:30:07,200 --> 00:30:10,640
Speaker 3: can eat as much to get the value sam of it.

581
00:30:11,000 --> 00:30:13,960
Speaker 3: Like I love picking at everything, but I I just

582
00:30:14,000 --> 00:30:15,760
Speaker 3: but I also feel like that's a bit of a waste.

583
00:30:15,800 --> 00:30:18,840
Speaker 3: And when I like when I eat heaps, I don't

584
00:30:18,840 --> 00:30:21,800
Speaker 3: really feel like drinking heats. Same when I drink heaps,

585
00:30:21,800 --> 00:30:24,960
Speaker 3: I don't really feel like eating heaps. I do eat

586
00:30:25,360 --> 00:30:28,280
Speaker 3: be responsible, but like you're like, I want like a

587
00:30:28,360 --> 00:30:31,040
Speaker 3: huge part. We're getting old, babe.

588
00:30:31,280 --> 00:30:31,680
Speaker 1: I know.

589
00:30:33,320 --> 00:30:35,800
Speaker 3: I kind of feel the same about set menus as well.

590
00:30:35,840 --> 00:30:37,680
Speaker 3: Like I know that these are typically I think that's

591
00:30:37,720 --> 00:30:41,160
Speaker 3: because of you being a vegetarian exactly, So I know.

592
00:30:41,120 --> 00:30:44,440
Speaker 2: That they're typically cheaper than ordering each of the meals

593
00:30:44,840 --> 00:30:49,160
Speaker 2: like ala catte. Yeah, but again, because for me, I

594
00:30:49,280 --> 00:30:50,680
Speaker 2: might call this is one thing I can have.

595
00:30:50,880 --> 00:30:53,480
Speaker 3: It sounds good. I'm also like a picky eater.

596
00:30:53,640 --> 00:30:55,200
Speaker 2: I know what I like, and I'm like, for me,

597
00:30:55,200 --> 00:30:57,080
Speaker 2: it's probably better off to just order what I want.

598
00:30:57,320 --> 00:30:59,560
Speaker 2: So that's why that one has an asterix. And also

599
00:30:59,600 --> 00:31:02,800
Speaker 2: because I also don't want to try a really good

600
00:31:03,120 --> 00:31:06,400
Speaker 2: bottomless brunch one time and be like, guess what, this

601
00:31:06,480 --> 00:31:08,680
Speaker 2: one actually was really good to my money, because I

602
00:31:08,720 --> 00:31:11,360
Speaker 2: do think that there are ones out definitely, Yeah, but

603
00:31:11,400 --> 00:31:14,840
Speaker 2: I just think across the board, so what to buy?

604
00:31:15,080 --> 00:31:19,120
Speaker 3: What to buy? Instead? I think go for a happy hour.

605
00:31:19,320 --> 00:31:23,000
Speaker 2: That I was gonna say, because usually there's a little

606
00:31:23,040 --> 00:31:27,880
Speaker 2: bit more variety in what you can get. And also

607
00:31:27,960 --> 00:31:31,040
Speaker 2: make sure that you're using apps like First Table, Eat

608
00:31:31,080 --> 00:31:34,800
Speaker 2: Club or Happiest hour to find happy hour deals and

609
00:31:35,400 --> 00:31:38,680
Speaker 2: cheap meal deals near you, because a lot of the

610
00:31:38,720 --> 00:31:42,200
Speaker 2: time they're not as there's not as many tea and

611
00:31:42,280 --> 00:31:45,400
Speaker 2: c's as there are for a bottomless brunch, and that's

612
00:31:45,440 --> 00:31:46,880
Speaker 2: what I typically prefer to do.

613
00:31:46,920 --> 00:31:48,920
Speaker 3: I mean, that's right, Yeah, that's a good point. There

614
00:31:48,920 --> 00:31:51,280
Speaker 3: aren't as many like teas and teas for a happy hour. Yeah.

615
00:31:51,360 --> 00:31:53,240
Speaker 2: It's like, yeah, sure the happy hour might go for

616
00:31:53,280 --> 00:31:55,400
Speaker 2: two hours, but that's.

617
00:31:55,280 --> 00:31:57,120
Speaker 3: The same amount of time as a bottomless brunch.

618
00:31:57,240 --> 00:31:59,360
Speaker 2: Yeah, But it's like if you're just going for drinks

619
00:31:59,440 --> 00:32:00,760
Speaker 2: or like, you can do that and then like order

620
00:32:00,800 --> 00:32:02,520
Speaker 2: whatever you want from the pub at the same time,

621
00:32:02,760 --> 00:32:05,200
Speaker 2: or like going to the pub on like the cheap

622
00:32:05,280 --> 00:32:07,840
Speaker 2: Tuesday when you can get the Pami or the Burger special,

623
00:32:08,000 --> 00:32:10,440
Speaker 2: like eyeing those out being like, yeah, I'm a burger girl,

624
00:32:10,520 --> 00:32:12,080
Speaker 2: so I'll go for the Friday Burgers.

625
00:32:12,160 --> 00:32:15,200
Speaker 3: I respect it, I like it, thank you. So let's

626
00:32:15,200 --> 00:32:20,360
Speaker 3: get into the chicks submissions. Now. This one's from Sarah

627
00:32:20,440 --> 00:32:23,040
Speaker 3: and this one made me fucking fizz my pants. So

628
00:32:23,200 --> 00:32:26,840
Speaker 3: expensive shit not worth the cash. Go traveling on your own,

629
00:32:26,960 --> 00:32:29,840
Speaker 3: go with your bestie or alone, and protect the memories.

630
00:32:30,280 --> 00:32:34,640
Speaker 4: Holidays can make or break oh my god, relationship and

631
00:32:34,800 --> 00:32:39,880
Speaker 4: especially what we've said before is don't book an overseas holiday,

632
00:32:41,200 --> 00:32:45,080
Speaker 4: like if you've been dating for like less than twelve

633
00:32:45,120 --> 00:32:47,320
Speaker 4: months in advance, like.

634
00:32:47,280 --> 00:32:49,280
Speaker 3: If you've been dating for six months, don't book a

635
00:32:49,320 --> 00:32:52,160
Speaker 3: holiday through inny year's time. I agree, because you don't

636
00:32:52,200 --> 00:32:53,040
Speaker 3: know it's gonna happen.

637
00:32:53,320 --> 00:32:58,080
Speaker 2: Also, if your relationship is on the rock, yes, don't book.

638
00:32:58,200 --> 00:33:00,520
Speaker 2: Don't do it holiday, especially if it's a one like

639
00:33:00,520 --> 00:33:04,040
Speaker 2: a month long trip to Europe. Next one Stanley and

640
00:33:04,160 --> 00:33:07,760
Speaker 2: Frank green Yettie is so much better from Vail.

641
00:33:08,720 --> 00:33:11,480
Speaker 3: I love the name BeO me too. See we haven't

642
00:33:11,480 --> 00:33:15,040
Speaker 3: tried Yetti's. Yeah, we've got Frank Green's. Yeah. And to

643
00:33:15,120 --> 00:33:18,320
Speaker 3: be honest, I've got the Stanley Cup and Stanley Cup's

644
00:33:18,400 --> 00:33:22,000
Speaker 3: cute and good, but you can't close it, yeah, And

645
00:33:22,040 --> 00:33:24,520
Speaker 3: I think that's a massive downfall of it because you

646
00:33:24,560 --> 00:33:27,280
Speaker 3: can't like chuck it in your bag. But I like

647
00:33:27,320 --> 00:33:29,000
Speaker 3: there's also the other thing on the Frank Green that

648
00:33:29,000 --> 00:33:30,920
Speaker 3: people don't like that you have to touch the lid thing.

649
00:33:31,240 --> 00:33:33,960
Speaker 3: But they've got that new button, yeah, that you can press.

650
00:33:34,000 --> 00:33:35,880
Speaker 3: I mean so many people already have their Frank Green

651
00:33:35,960 --> 00:33:38,680
Speaker 3: that now like you've got to repurchase another thing exactly.

652
00:33:38,880 --> 00:33:40,680
Speaker 3: I don't know. I think the best water bottle is

653
00:33:40,680 --> 00:33:41,320
Speaker 3: the one you use.

654
00:33:42,000 --> 00:33:45,320
Speaker 2: Yeah, So I like mine, but it is it's an

655
00:33:45,320 --> 00:33:46,880
Speaker 2: expensive purchase, it is.

656
00:33:46,760 --> 00:33:48,440
Speaker 3: And I got mine as a gift. So that's probably

657
00:33:48,440 --> 00:33:50,360
Speaker 3: why I got two. Is a gift. Yeah, I did,

658
00:33:50,880 --> 00:33:54,880
Speaker 3: Lucky girl. It does keep the water and icing cold

659
00:33:54,920 --> 00:33:56,880
Speaker 3: though I use mine so much, and like you do

660
00:33:57,000 --> 00:33:59,280
Speaker 3: end up drinking more water from having like an emotional

661
00:33:59,360 --> 00:34:02,880
Speaker 3: support water bottle. But I don't necessarily think you need

662
00:34:02,920 --> 00:34:05,400
Speaker 3: to spend like sixty bucks on a water bottle if

663
00:34:05,440 --> 00:34:09,160
Speaker 3: you want to go get one just from grandma or whatever. Yeah,

664
00:34:09,320 --> 00:34:13,160
Speaker 3: I agree, it'll serve the same purpose. Okay. Our next

665
00:34:13,200 --> 00:34:17,319
Speaker 3: one from the Chicks Everything health and well being is

666
00:34:17,400 --> 00:34:22,160
Speaker 3: dry brushing, tongue scraping, et cetera. Worth it. Oh, I

667
00:34:22,200 --> 00:34:24,640
Speaker 3: really want to get a tongue scraper, so I'll report

668
00:34:24,719 --> 00:34:27,480
Speaker 3: back on this, Yeah, because it would be so satisfying.

669
00:34:27,520 --> 00:34:31,279
Speaker 3: Oh that's the thing, and I soon am I talking

670
00:34:31,280 --> 00:34:34,760
Speaker 3: about this all the time. I hate brushing my tongue

671
00:34:34,800 --> 00:34:37,040
Speaker 3: because I'm fucking cat cowing over it sink me.

672
00:34:38,360 --> 00:34:41,280
Speaker 2: But I'm like, will the tongue scraper avoid that issue

673
00:34:41,360 --> 00:34:42,239
Speaker 2: or is it just gonna be?

674
00:34:42,280 --> 00:34:45,160
Speaker 3: I think it will. I think it will. Okay, we

675
00:34:45,239 --> 00:34:49,840
Speaker 3: can try it. Yeah. The dry brushing one I kind

676
00:34:49,880 --> 00:34:53,360
Speaker 3: of agree with. Like I would try dry brushing, but

677
00:34:54,480 --> 00:34:57,120
Speaker 3: it's a fun like wellness activity. I don't know if

678
00:34:57,160 --> 00:35:02,360
Speaker 3: I necessarily You tried it, didn't you? Yeah you liked it? Yeah?

679
00:35:02,480 --> 00:35:04,880
Speaker 2: Yeah, I think it's good. But I think that's the thing.

680
00:35:04,920 --> 00:35:07,280
Speaker 2: It's just like depends on what you need as well.

681
00:35:07,360 --> 00:35:09,960
Speaker 3: Like I'm like, I'm so dry, Like I need all

682
00:35:09,960 --> 00:35:11,719
Speaker 3: the help I can get, you know what I mean? Like,

683
00:35:11,880 --> 00:35:16,480
Speaker 3: fuck me, I'm so dry, you know what I mean?

684
00:35:19,640 --> 00:35:24,600
Speaker 3: It's true okay, and then the last one, which I

685
00:35:24,600 --> 00:35:27,120
Speaker 3: think you had a fun little stat to this one.

686
00:35:27,280 --> 00:35:32,200
Speaker 2: Yeah, I did so the last expensive shit that isn't

687
00:35:32,200 --> 00:35:36,000
Speaker 2: worth the money from the chicks dresses as a wedding guest.

688
00:35:36,520 --> 00:35:41,439
Speaker 3: That's from a I completely agree.

689
00:35:42,000 --> 00:35:44,879
Speaker 2: Yep, And we've got we've got a stat to back,

690
00:35:44,960 --> 00:35:49,120
Speaker 2: we've got some stats by So, according to a twenty

691
00:35:49,200 --> 00:35:56,000
Speaker 2: twenty three Finder study, wedding guests spent on average one thousand,

692
00:35:56,400 --> 00:36:00,000
Speaker 2: nine hundred and ninety three dollars to attend their life

693
00:36:00,280 --> 00:36:08,959
Speaker 2: one's special day. Keep in mind, on average, this included travel, accommodation, gifts,

694
00:36:09,320 --> 00:36:13,840
Speaker 2: pre wedding activities such as hens nights, engagement parties, and

695
00:36:14,000 --> 00:36:18,160
Speaker 2: a new dress or suit, of which the average person

696
00:36:18,239 --> 00:36:22,920
Speaker 2: spends two hundred and fifty nine dollars on a new

697
00:36:22,960 --> 00:36:23,960
Speaker 2: suit or dress.

698
00:36:24,440 --> 00:36:27,520
Speaker 3: So is that one thousand dollars for one wedding? Yeah,

699
00:36:27,520 --> 00:36:31,160
Speaker 3: the one and ninety three. Oh, I'm so glad I

700
00:36:31,200 --> 00:36:32,760
Speaker 3: only have one friend that's engaged.

701
00:36:33,000 --> 00:36:35,399
Speaker 2: Yeah, But like it makes sense if you think about

702
00:36:35,440 --> 00:36:37,880
Speaker 2: the game. You're going to a destination wedding if you

703
00:36:37,880 --> 00:36:41,920
Speaker 2: have to stay at a hotel, But the average wedding

704
00:36:41,960 --> 00:36:46,120
Speaker 2: guest attendee spends two hundred and fifty nine dollars on

705
00:36:46,160 --> 00:36:49,719
Speaker 2: the dress or suit alone according to the studies.

706
00:36:49,880 --> 00:36:54,799
Speaker 3: So wow, and people and like it gets like years,

707
00:36:54,800 --> 00:36:57,839
Speaker 3: that's like wedding seasons. Yeah, and people have like ten

708
00:36:57,920 --> 00:37:00,640
Speaker 3: weddings in a year. Yeah, that's ten thousand when you're

709
00:37:00,680 --> 00:37:01,799
Speaker 3: going with that start.

710
00:37:01,800 --> 00:37:04,840
Speaker 2: When you get into your late twenties and early thirties especially,

711
00:37:05,480 --> 00:37:08,840
Speaker 2: it is wedding season and baby season galore.

712
00:37:09,000 --> 00:37:11,960
Speaker 3: Oh my god, it's so expensive. And like, I love weddings.

713
00:37:12,040 --> 00:37:15,359
Speaker 3: I love weddings. I love seeing people get married and

714
00:37:15,400 --> 00:37:19,840
Speaker 3: do their dance and like the bar. But you know

715
00:37:20,239 --> 00:37:23,560
Speaker 3: that's going back there, But you don't me. I'm treating

716
00:37:23,600 --> 00:37:27,480
Speaker 3: weddings like a bottomless brunch, Like I spend one thousand

717
00:37:27,560 --> 00:37:30,360
Speaker 3: dollars to get here. I'm getting a thousand dollars of

718
00:37:30,400 --> 00:37:33,440
Speaker 3: the fucking open bar to being like, this dress is

719
00:37:33,440 --> 00:37:37,200
Speaker 3: three hundred dollars. Open the wine, baby, get the rose

720
00:37:37,400 --> 00:37:39,680
Speaker 3: over here. You were me going to be best friends

721
00:37:39,760 --> 00:37:46,759
Speaker 3: bartending Just kidding, obs, not really, But obviously people spend

722
00:37:46,760 --> 00:37:49,160
Speaker 3: a lot of money per head for weddings as well.

723
00:37:49,200 --> 00:37:51,680
Speaker 3: But I think that does shine a really good light

724
00:37:51,719 --> 00:37:55,120
Speaker 3: on it that you don't need to buy a new

725
00:37:55,239 --> 00:37:56,840
Speaker 3: dress for every wedding.

726
00:37:57,440 --> 00:38:00,040
Speaker 2: If you think about all of these expenses, basically the

727
00:38:00,080 --> 00:38:03,680
Speaker 2: only one that you can buy once and reuse across

728
00:38:03,719 --> 00:38:05,400
Speaker 2: multiple weddings is the output.

729
00:38:05,520 --> 00:38:08,319
Speaker 3: Borrow your friends, Like if you're all going to the

730
00:38:08,360 --> 00:38:12,640
Speaker 3: same weddings, collectively buy your wardrobe so then you can

731
00:38:13,280 --> 00:38:15,000
Speaker 3: best Yeah, or.

732
00:38:15,239 --> 00:38:20,520
Speaker 2: Buy a neutral dress that you feel good in, that

733
00:38:20,760 --> 00:38:23,160
Speaker 2: is a color that you love that you can wear

734
00:38:23,239 --> 00:38:24,680
Speaker 2: to multiple events.

735
00:38:24,840 --> 00:38:27,520
Speaker 3: That's what I do. Did you see that the actress

736
00:38:27,520 --> 00:38:30,839
Speaker 3: that plays Eloise Bridgeton for their press tool bought one

737
00:38:30,960 --> 00:38:34,600
Speaker 3: suit and did all of her press in one suit?

738
00:38:35,239 --> 00:38:39,440
Speaker 3: The showcase? Like re wearing your outfits and like embracing

739
00:38:39,440 --> 00:38:43,279
Speaker 3: the Lizzie Maguire you were an outfit repeater. Yeah, so good. Yeah,

740
00:38:43,360 --> 00:38:45,840
Speaker 3: I love her. She's the best. Yeah, she's so cool.

741
00:38:46,200 --> 00:38:48,279
Speaker 3: I want to be friends with her. She'd be a

742
00:38:48,320 --> 00:38:50,839
Speaker 3: good laugh. Yeah. Okay, shall I get into advice.

743
00:38:50,520 --> 00:38:54,000
Speaker 2: With the chicks?

744
00:38:55,960 --> 00:38:59,440
Speaker 3: Okay, So long story short. I thought I could handle

745
00:38:59,480 --> 00:39:03,040
Speaker 3: credit cards, and I couldn't. I'm twenty one and have

746
00:39:03,120 --> 00:39:07,560
Speaker 3: two credit cards that amount about nine thousand dollars in debt.

747
00:39:08,239 --> 00:39:10,239
Speaker 3: I have so many things this year that I need

748
00:39:10,280 --> 00:39:12,640
Speaker 3: to pay for, and I need to pay five thousand

749
00:39:12,719 --> 00:39:15,520
Speaker 3: dollars off in the next three months before I do

750
00:39:15,600 --> 00:39:17,840
Speaker 3: any of it, as I feel if I don't pay

751
00:39:17,880 --> 00:39:21,240
Speaker 3: one card off, I will be a mess. My problem

752
00:39:21,400 --> 00:39:24,440
Speaker 3: is I am literally addicted to shopping. I know how

753
00:39:24,480 --> 00:39:27,920
Speaker 3: it sounds. It's crazy, but it's the instant gratification it

754
00:39:27,960 --> 00:39:31,040
Speaker 3: gives me. But I'm being honest. I do really want

755
00:39:31,080 --> 00:39:34,160
Speaker 3: to pay this off. For reference, I earn about one

756
00:39:34,200 --> 00:39:37,520
Speaker 3: point five to two thousand dollars a fortnight, sometimes more,

757
00:39:37,640 --> 00:39:40,520
Speaker 3: sometimes less. However, I am living out of home and

758
00:39:40,600 --> 00:39:43,680
Speaker 3: have bills and expenses. I have tried for a balanced

759
00:39:43,719 --> 00:39:48,160
Speaker 3: transfer and was denied with absolute fear reason. So please

760
00:39:48,239 --> 00:39:51,200
Speaker 3: tell me. If anyone has tips, whether it's to stop shopping,

761
00:39:51,280 --> 00:39:55,000
Speaker 3: to combine my debt, etc. Whatever it is, please give

762
00:39:55,040 --> 00:39:57,120
Speaker 3: me your advice. I want to pay it off, but

763
00:39:57,160 --> 00:40:00,680
Speaker 3: I physically keep justifying every purchase and I feel so

764
00:40:01,000 --> 00:40:03,920
Speaker 3: bad for it. I never want a credit card again

765
00:40:04,080 --> 00:40:06,360
Speaker 3: after this, But my bills come off of it and

766
00:40:06,400 --> 00:40:09,080
Speaker 3: I pay the card back bit by bit. But it's

767
00:40:09,160 --> 00:40:12,040
Speaker 3: like I keep this bad cycle on by funding the

768
00:40:12,080 --> 00:40:14,960
Speaker 3: card to pay for bills than any additional I spend.

769
00:40:15,520 --> 00:40:18,160
Speaker 3: Please help a girl out. I'm not looking for judgment

770
00:40:18,239 --> 00:40:20,480
Speaker 3: or for people to be rude, just some advice if

771
00:40:20,520 --> 00:40:25,839
Speaker 3: you have any Oh gosh, that makes you feel so

772
00:40:26,440 --> 00:40:30,920
Speaker 3: sick for you, Like, yeah, I know how stressful this

773
00:40:30,960 --> 00:40:34,640
Speaker 3: would be, and there's absolutely no judgment from us. We

774
00:40:34,760 --> 00:40:37,200
Speaker 3: know that this kind of stuff is a slippery slope.

775
00:40:37,200 --> 00:40:41,720
Speaker 3: But so you worked as a credit cards editor for years,

776
00:40:41,760 --> 00:40:45,280
Speaker 3: so I'm sure that you have some tipsah advice. Yeah.

777
00:40:45,320 --> 00:40:48,400
Speaker 2: I think before we did this episode, and you know,

778
00:40:48,520 --> 00:40:50,960
Speaker 2: we were looking at the submissions from the chicks, we

779
00:40:51,000 --> 00:40:53,840
Speaker 2: were talking about should you ever get a credit card

780
00:40:54,160 --> 00:40:59,440
Speaker 2: in your twenties? I think it honestly depends. I personally

781
00:40:59,480 --> 00:41:03,120
Speaker 2: never did, even being a credit card editor and being

782
00:41:03,280 --> 00:41:06,280
Speaker 2: you know, well versed in credit cards, because I think

783
00:41:06,680 --> 00:41:08,799
Speaker 2: whether or not it's suitable really comes down to your

784
00:41:08,840 --> 00:41:13,480
Speaker 2: spending habits and financial needs. I think, personally, a credit

785
00:41:13,520 --> 00:41:18,640
Speaker 2: card is only of good use if you're purely using

786
00:41:18,680 --> 00:41:21,759
Speaker 2: it to buy things that you can immediately pay off

787
00:41:22,160 --> 00:41:25,840
Speaker 2: because you're earning points, or you're using it to build

788
00:41:25,920 --> 00:41:29,200
Speaker 2: up your credit score and credit history, which you can

789
00:41:29,280 --> 00:41:32,680
Speaker 2: only do if you're making your payments on time and

790
00:41:33,239 --> 00:41:35,360
Speaker 2: not collecting or attracting interest.

791
00:41:36,440 --> 00:41:39,400
Speaker 3: So I think that's the thing, Like you really.

792
00:41:39,160 --> 00:41:43,520
Speaker 2: Need to sit down and have a like good hard think,

793
00:41:43,719 --> 00:41:46,279
Speaker 2: like what are your spending habits? Like do you use

794
00:41:46,680 --> 00:41:48,880
Speaker 2: a lot of buy now, pay later services? Do you

795
00:41:48,920 --> 00:41:52,560
Speaker 2: find that you know you're sort of going paycheck to paycheck?

796
00:41:53,320 --> 00:41:56,200
Speaker 2: Do you struggle to save money or like really know

797
00:41:56,239 --> 00:41:57,000
Speaker 2: where your money is?

798
00:41:57,560 --> 00:42:00,560
Speaker 3: Like literacy, Yeah, and I think say that you have

799
00:42:00,600 --> 00:42:03,719
Speaker 3: good financial literacy. Yeah, And there's no shame if you're like, oh,

800
00:42:03,719 --> 00:42:05,359
Speaker 3: I actually have no idea, Like.

801
00:42:06,200 --> 00:42:08,440
Speaker 2: Ignorance is bliss when it comes to my money. I

802
00:42:08,480 --> 00:42:11,080
Speaker 2: think a lot of people have that approach. And I

803
00:42:11,120 --> 00:42:13,239
Speaker 2: think a lot of people look at credit cards as

804
00:42:13,280 --> 00:42:16,560
Speaker 2: a way to get some breathing room. And I think

805
00:42:16,600 --> 00:42:18,359
Speaker 2: if you're going to look at it like that, I

806
00:42:18,480 --> 00:42:20,640
Speaker 2: personally wouldn't get one.

807
00:42:20,920 --> 00:42:24,200
Speaker 3: But we're here, now you've got the credit cards.

808
00:42:24,480 --> 00:42:28,080
Speaker 2: This isn't financial advice, we will say, I think it

809
00:42:28,120 --> 00:42:30,520
Speaker 2: could really be worth maybe going to speak to someone.

810
00:42:31,360 --> 00:42:34,280
Speaker 2: I know that is an additional expense, but a financial

811
00:42:34,320 --> 00:42:39,120
Speaker 2: advisor or an accountant could help give you an actionable

812
00:42:39,200 --> 00:42:41,799
Speaker 2: plan on how to pay down your debt that will

813
00:42:41,920 --> 00:42:42,480
Speaker 2: work for you.

814
00:42:42,560 --> 00:42:45,160
Speaker 3: And they have all the licenses and everything to give

815
00:42:45,200 --> 00:42:46,640
Speaker 3: you that advice.

816
00:42:47,480 --> 00:42:49,760
Speaker 2: If I was talking to someone generally with a credit

817
00:42:49,760 --> 00:42:52,160
Speaker 2: card debt. I would have said to potentially get a

818
00:42:52,160 --> 00:42:55,600
Speaker 2: balanced transfer, which she did mention her submission, which is

819
00:42:56,160 --> 00:42:58,960
Speaker 2: basically a credit card that allows you to transfer a

820
00:42:59,040 --> 00:43:02,200
Speaker 2: debt or multiple debts, from one credit card that's attracting

821
00:43:02,239 --> 00:43:06,080
Speaker 2: interest to a credit card that charges no interest for

822
00:43:06,160 --> 00:43:09,759
Speaker 2: a promotional period. So, for example, this promotional period may

823
00:43:09,840 --> 00:43:12,480
Speaker 2: last for twenty eight months, and that will give you

824
00:43:12,520 --> 00:43:16,600
Speaker 2: twenty eight months to pay down your debt without attracting

825
00:43:16,680 --> 00:43:19,239
Speaker 2: any further interest. So again, it gives you a bit

826
00:43:19,239 --> 00:43:21,800
Speaker 2: of like breathing room to concentrate.

827
00:43:21,560 --> 00:43:22,920
Speaker 3: On paying that down.

828
00:43:23,080 --> 00:43:25,560
Speaker 2: But even if you've got a balanced transfer credit card,

829
00:43:25,680 --> 00:43:30,279
Speaker 2: you should never use it to make purchases or new purchases. Ever,

830
00:43:30,680 --> 00:43:33,480
Speaker 2: So in this situation, would you like because she obviously

831
00:43:33,520 --> 00:43:37,120
Speaker 2: can't do that, Yeah, would The first thing if you

832
00:43:37,320 --> 00:43:39,160
Speaker 2: in this situation do would be is stop paying your

833
00:43:39,200 --> 00:43:41,719
Speaker 2: bills on this credit card. So the first thing that

834
00:43:41,760 --> 00:43:44,040
Speaker 2: I would do is stop using your card to make

835
00:43:44,080 --> 00:43:48,160
Speaker 2: purchases full stop. Yeah, take off any recurring bills that

836
00:43:48,200 --> 00:43:51,439
Speaker 2: you've got on there, stop using it to make any

837
00:43:51,520 --> 00:43:55,600
Speaker 2: new purchases, and focus purely on paying the debt off.

838
00:43:56,440 --> 00:43:59,000
Speaker 2: I think that you know, removing the recurring payments in

839
00:43:59,040 --> 00:44:01,560
Speaker 2: your bills is a first app. The second would be

840
00:44:01,719 --> 00:44:05,400
Speaker 2: remove your card details from your Apple Pay, remove it

841
00:44:05,440 --> 00:44:07,840
Speaker 2: from any places that it might be saved in online

842
00:44:07,880 --> 00:44:10,279
Speaker 2: accounts where you use it to check out, remove it

843
00:44:10,320 --> 00:44:12,600
Speaker 2: from after pay if you've been using it on that

844
00:44:13,080 --> 00:44:15,600
Speaker 2: anything like that. Go through all of your accounts and

845
00:44:15,880 --> 00:44:18,640
Speaker 2: take it off so it's not even an option. Take

846
00:44:18,680 --> 00:44:22,200
Speaker 2: it out of your digital wallet whatever you use, and

847
00:44:22,280 --> 00:44:25,640
Speaker 2: then leave it at home. Don't take it out with

848
00:44:25,680 --> 00:44:28,719
Speaker 2: you when you're going shopping. Leave it like hidden or

849
00:44:28,800 --> 00:44:32,920
Speaker 2: locked away so you won't be tempted to make any purchases.

850
00:44:33,000 --> 00:44:35,640
Speaker 3: It's not even an option. I would do whatever it

851
00:44:35,680 --> 00:44:38,080
Speaker 3: to lock in a box and throw it to like

852
00:44:38,160 --> 00:44:42,360
Speaker 3: have it away. And then it's going to be really hard.

853
00:44:42,520 --> 00:44:46,320
Speaker 3: Yeah you're breaking like an addiction, because yeah, I think

854
00:44:46,680 --> 00:44:49,400
Speaker 3: it's it is really hard, and there is such an

855
00:44:49,520 --> 00:44:54,200
Speaker 3: element of addiction to shopping that it's finding the triggers

856
00:44:54,239 --> 00:44:57,279
Speaker 3: as well. And if that is things like social media,

857
00:44:57,400 --> 00:44:59,200
Speaker 3: like one thing I did when I felt like I

858
00:44:59,239 --> 00:45:02,560
Speaker 3: was shopping to which is eye went and unfollowed every brand,

859
00:45:02,760 --> 00:45:06,680
Speaker 3: Like a shopping addiction is a very real thing.

860
00:45:07,040 --> 00:45:10,719
Speaker 2: Like we're not being like TIHI shopoholics like it actually

861
00:45:11,480 --> 00:45:14,960
Speaker 2: is a genuine addiction. So I don't don't downplay that

862
00:45:15,120 --> 00:45:16,840
Speaker 2: or like I know you said, like it sounds silly.

863
00:45:16,920 --> 00:45:18,480
Speaker 3: It doesn't at all.

864
00:45:18,520 --> 00:45:20,680
Speaker 2: I think a lot of people experience it. But I

865
00:45:20,680 --> 00:45:24,600
Speaker 2: think that if you concentrate on paying off your debt

866
00:45:24,760 --> 00:45:29,279
Speaker 2: and not making any future purchases on that card, you

867
00:45:29,320 --> 00:45:33,279
Speaker 2: will slowly but surely pay off your debt. And I

868
00:45:33,320 --> 00:45:35,560
Speaker 2: think that the more that you pay off your debt,

869
00:45:35,800 --> 00:45:41,120
Speaker 2: you're showing your bank good science, good behavior that you're

870
00:45:41,360 --> 00:45:44,120
Speaker 2: paying it off. And as you're doing that and your

871
00:45:44,120 --> 00:45:48,000
Speaker 2: debt is going down, also keep tabs on your credit

872
00:45:48,040 --> 00:45:50,399
Speaker 2: score and look at your credit report and see if

873
00:45:50,840 --> 00:45:54,279
Speaker 2: that's gonna improve, because typically it does when you're paying

874
00:45:54,280 --> 00:45:56,960
Speaker 2: your bills on time. And also the amount of debt

875
00:45:57,000 --> 00:45:59,919
Speaker 2: that you have is being lowered. And keep an eye

876
00:45:59,960 --> 00:46:02,000
Speaker 2: on that because you may be able to apply for

877
00:46:02,040 --> 00:46:05,520
Speaker 2: a balance transfer card in future when your debt is

878
00:46:05,600 --> 00:46:09,400
Speaker 2: smaller and you've improved your credit score. But again I

879
00:46:09,440 --> 00:46:11,839
Speaker 2: would make sure that you're doing all that, do all

880
00:46:11,840 --> 00:46:15,400
Speaker 2: your research, know what the eligibility requirements are before applying

881
00:46:15,440 --> 00:46:17,359
Speaker 2: for that future balance transfer card.

882
00:46:17,920 --> 00:46:20,520
Speaker 3: If you do decide to do that. But paying down

883
00:46:20,560 --> 00:46:21,320
Speaker 3: your debt now.

884
00:46:21,400 --> 00:46:25,040
Speaker 2: Will potentially make it easier for you to get approval

885
00:46:25,560 --> 00:46:29,439
Speaker 2: in the future. But stop using your current credit card

886
00:46:29,480 --> 00:46:30,840
Speaker 2: to make any purchases.

887
00:46:30,920 --> 00:46:34,560
Speaker 3: That's the very first step that you have to do. Yeah,

888
00:46:34,760 --> 00:46:38,600
Speaker 3: we do have a whole episode about tips to avoid

889
00:46:38,640 --> 00:46:41,560
Speaker 3: impulse shopping that also might be helpful, and we can

890
00:46:41,800 --> 00:46:43,680
Speaker 3: put a link in that in the show notes. There's

891
00:46:43,719 --> 00:46:46,879
Speaker 3: a lot of people that find themselves in similar predicaments

892
00:46:47,239 --> 00:46:49,640
Speaker 3: and it is really hard, and it is really easy

893
00:46:49,680 --> 00:46:52,440
Speaker 3: to be angry at yourself. And while it is good

894
00:46:52,520 --> 00:46:55,920
Speaker 3: to be accountable, it's really better to put that energy

895
00:46:56,239 --> 00:46:59,480
Speaker 3: into fixing the problem rather than just hating yourself for it.

896
00:46:59,800 --> 00:47:03,600
Speaker 3: So you have all the tools and you have everything

897
00:47:03,719 --> 00:47:06,239
Speaker 3: to make a decision and to stick to it. And

898
00:47:06,280 --> 00:47:08,359
Speaker 3: I really really believe that you can do this. You

899
00:47:08,520 --> 00:47:13,960
Speaker 3: absolutely can. So you got this chick love love, Yeah,

900
00:47:14,000 --> 00:47:16,160
Speaker 3: good luck, but you don't need it. You can do it.

901
00:47:16,280 --> 00:47:21,239
Speaker 3: You can do it bad alright, alrighty chicks. Well that

902
00:47:21,360 --> 00:47:23,279
Speaker 3: is a wrap for today's episode of Too broad Check

903
00:47:23,280 --> 00:47:26,319
Speaker 3: Its That is a ray. That is a right.

904
00:47:26,880 --> 00:47:28,960
Speaker 2: Thanks to your chicks for having us in your ear holes.

905
00:47:29,000 --> 00:47:30,879
Speaker 2: We love to be here and thanks for sending in.

906
00:47:30,800 --> 00:47:33,640
Speaker 3: Your submissions as well. We always love these episodes.

907
00:47:34,080 --> 00:47:36,680
Speaker 2: Pass the mic over to the chicks and thank you

908
00:47:36,719 --> 00:47:39,240
Speaker 2: to m ik Made for making today's episode happened.

909
00:47:39,400 --> 00:47:45,320
Speaker 3: Love Yeah bye check bye