WEBVTT - No more personal loans, the bank is closed

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<v Speaker 1>Apod Shape Production. Welcome back to another episode about I

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<v Speaker 1>a Bad Mom Podcast. That's the question we constantly.

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<v Speaker 2>Ask, am I a bad mom?

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<v Speaker 1>More?

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<v Speaker 2>Am I am? I? Should I have done it a

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<v Speaker 2>little bit differently?

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<v Speaker 1>Well, they say that kids all they need.

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<v Speaker 3>Is love, love, and behundaries, of course, always boundaries.

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<v Speaker 1>I mean we may forget a packed lunch every now and.

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<v Speaker 2>There, or a Touch Shop order.

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<v Speaker 3>Now that we're back at school, I can definitely fuck

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<v Speaker 3>up a tuck Shop order.

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<v Speaker 2>Yeah, you know that whole like.

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<v Speaker 3>Yep, no, I'm pretty sure I did it, But don't

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<v Speaker 3>go and check because you think in that part of

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<v Speaker 3>your brain you're like, no, I'm pretty sure I did it.

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<v Speaker 1>At the girls' school, they are able to go and

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<v Speaker 1>get alone, which really annoys me because it's not them

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<v Speaker 1>they have to pay it back. It's me.

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<v Speaker 3>I was just going to say, a loan or at

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<v Speaker 3>the Touch shop. Yeah, oh, so they can just go

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<v Speaker 3>and get whatever they want.

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<v Speaker 1>They can get a Touch Shop loan if they don't

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<v Speaker 1>have any money on them. Yeah, but there's a rule.

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<v Speaker 1>It has to be something that's actually substantial food. They're

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<v Speaker 1>not allowed to get a Touch Shop loan and get

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<v Speaker 1>drinks or like fizzy drinks or chocolate or chips or anything.

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<v Speaker 3>Yeah, it's like a genuine piece, like actual lunch. Yeah right, Okay,

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<v Speaker 3>that's a great system.

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<v Speaker 1>It's great until then you get an email saying just

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<v Speaker 1>to let you know you DOCT loans and you owe

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<v Speaker 1>this amount of money. You're like what, I was like,

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<v Speaker 1>stop let it. Honestly I was going to email back

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<v Speaker 1>once I was going to go. Doesn't matter if they've

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<v Speaker 1>forgotten lunch, don't let them have anything.

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<v Speaker 3>You should be emailing that and saying no. Look, the

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<v Speaker 3>system in our house is that they pack their own lunches,

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<v Speaker 3>and so when they don't have their own lunch, it's

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<v Speaker 3>their owns.

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<v Speaker 1>Yeah, because that's the problem. So they do do their

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<v Speaker 1>own lunch boxes now. But there's definitely been moments where

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<v Speaker 1>I've gone, you're not gonna have enough time to do

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<v Speaker 1>your lunch, and they'll go, oh, it's all right, I

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<v Speaker 1>just want to and I'm like no, because then you're

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<v Speaker 1>going to go and get alone, and then I'm going

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<v Speaker 1>to be paying for it. Don't let my kids eat.

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<v Speaker 2>Full stop? No more.

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<v Speaker 1>Am I about a mom for saying no to personal loans?

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<v Speaker 2>Personal lines?

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<v Speaker 1>Yeah?

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<v Speaker 2>How much I am asking for.

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<v Speaker 1>Well, this is the thing. So I've started this now,

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<v Speaker 1>and even in the back of my head, I'm going,

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<v Speaker 1>you wanted something for so long and now it's happened,

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<v Speaker 1>just be happy with it instead of constantly wanting more

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<v Speaker 1>from them. So I was banging on and on and

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<v Speaker 1>on about them getting a job.

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<v Speaker 2>So absolutely, yes, they've both got jobs. Wonderful, even better.

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<v Speaker 1>Yeah, part time casual jobs, which is great. Amelia has

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<v Speaker 1>had like five shifts now, Holly's waiting for her first shift.

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<v Speaker 1>And and what I'm finding with Amelia is so she

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<v Speaker 1>has stuff that she wants to buy. Concert tickets is

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<v Speaker 1>the first thing, and then she wants to start saving

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<v Speaker 1>towards a car. And so I'm like, great, you know,

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<v Speaker 1>as a general rule, maybe save half, spend half her

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<v Speaker 1>first pay. She was so excited. She's like, I've been paid,

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<v Speaker 1>Like she just like when that hit the bank account. Yeah,

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<v Speaker 1>And she even said to me, She's like, I just

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<v Speaker 1>feel so good that it's I've actually earned it and

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<v Speaker 1>it's not from you. And I was like, oh God,

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<v Speaker 1>I've been wanting to hear that for so long and

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<v Speaker 1>for you to understand that feeling. But what's happening now

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<v Speaker 1>is she's got a taste of knowing that she can

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<v Speaker 1>spend money, but she's not wanting to wait for payday,

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<v Speaker 1>so she's hitting us up to pay for things in

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<v Speaker 1>events and then she'll pay us back on payday. And

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<v Speaker 1>I'm like, it's not gonna work like that. So she'll go, oh,

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<v Speaker 1>I want to get this, and I go, you don't

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<v Speaker 1>have any money.

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<v Speaker 2>I do.

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<v Speaker 1>I do because I've got this coming. I'm owned. This

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<v Speaker 1>is so many shifts I've done. This is what's coming.

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<v Speaker 1>I went, yeah, but you don't have it yet, and

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<v Speaker 1>she's like, yes, but I do have it.

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<v Speaker 2>I do have it.

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<v Speaker 1>I've earned it.

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<v Speaker 3>Yeah.

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<v Speaker 1>I was like, where is it? Then, well, it's coming.

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<v Speaker 1>I'm like, yeah, but I can't go to Woollies and

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<v Speaker 1>do a shop, get to the checkout and go, you're

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<v Speaker 1>right if I pay for this next Wednesday when I

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<v Speaker 1>get paid, I'll just take it now. But it's coming,

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<v Speaker 1>like I've got the money. It doesn't work like that.

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<v Speaker 2>It does not work like that.

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<v Speaker 1>So I said, no more personal loans. And now there's

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<v Speaker 1>a concert that's been announced, and as we know, it's

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<v Speaker 1>bloody hard work to get tickets for a concert. End

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<v Speaker 1>up on that bloody ticket. I hate them, and you

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<v Speaker 1>literally have to sit on there all day.

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<v Speaker 2>In a queue.

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<v Speaker 3>Then it doesn't start until five pm or something like that,

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<v Speaker 3>So you've sat all day.

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<v Speaker 1>And then it gives you a certain amount of time

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<v Speaker 1>once you're through, and then it's telling you how many

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<v Speaker 1>minutes you've got left, and then it's going to kick

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<v Speaker 1>you out. Where's the customer service in that? So bad?

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<v Speaker 2>I'm paying money here, I have.

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<v Speaker 1>Lots of money. Treat you like shit?

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<v Speaker 3>Those tickets, Yeah, they don't have to worry about it.

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<v Speaker 1>So anyway, there's a kind of a sense of urgency

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<v Speaker 1>if there's tickets that you really want for a specific artist,

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<v Speaker 1>because you have to jump on and get in there

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<v Speaker 1>and you're going to miss out. And so now I'm

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<v Speaker 1>in that situation. So now she's begging us please, I'm like,

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<v Speaker 1>but you don't have any money.

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<v Speaker 2>Yeah, but I do, But you don't. No, No you don't.

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<v Speaker 2>Did you pay for them? No?

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<v Speaker 1>I've said, no more personal loans. Oh so you didn't

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<v Speaker 1>get the ticket, no more personals.

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<v Speaker 3>Well that's a great lesson because you're like, you did

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<v Speaker 3>say to a save half spand half. The part is

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<v Speaker 3>if she had a little bit of savings, then leant

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<v Speaker 3>on it exactly.

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<v Speaker 1>If you had some savings there, then you've got the

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<v Speaker 1>money there ready for those occasions like this.

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<v Speaker 2>Yeah.

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<v Speaker 3>Oh well, I'm sure the artists will come back, or

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<v Speaker 3>maybe she'd just try and get some more. She'll probably

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<v Speaker 3>get the tickets second hand off hopefully some of the

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<v Speaker 3>other places that don't rip you off.

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<v Speaker 1>They're expensive too. Concert's a good.

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<v Speaker 2>Personal loan, so you reckon that.

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<v Speaker 3>I mean, just knowing your daughters, knowing what their plan was.

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<v Speaker 3>I think we had dinner maybe end of last year

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<v Speaker 3>or the start of this year. We had a dinner

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<v Speaker 3>together with your girls and you know my girls, and

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<v Speaker 3>I was talking to your girls about like, oh, so you.

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<v Speaker 2>Know, Mum was telling me about getting a.

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<v Speaker 3>Job so that you know, you'll put in an X

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<v Speaker 3>amount of money and then that way mom and dad

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<v Speaker 3>match it.

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<v Speaker 2>And like we've spoken openly on the podcast about that.

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<v Speaker 2>How they going with that?

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<v Speaker 3>Yeah, nothing, it's going to ask you for a personal

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<v Speaker 3>loan to match your half of the loan.

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<v Speaker 1>So far, Amelia has had a couple of paydays, I

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<v Speaker 1>think two or three paydays so far. Yeah, and it's

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<v Speaker 1>all spent all right.

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<v Speaker 2>Well, that car saving is going great guns.

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<v Speaker 1>Yeah, great for me, great for you might have to

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<v Speaker 1>match nothing.

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<v Speaker 2>Until the day comes where they asked to borrow your car.

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<v Speaker 2>Borrow your car.

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<v Speaker 3>They are going to definitely ask to borrow your car

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<v Speaker 3>because it's a bit smaller than dads, so then it's

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<v Speaker 3>a little bit more attractive because when you're first learning

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<v Speaker 3>to drive, you don't want to be in a really

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<v Speaker 3>big car, you know, so yours is perf Like they're

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<v Speaker 3>going to be like, mum, I'm just going to woolies

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<v Speaker 3>in your car.

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<v Speaker 1>Literally. It was only the other day was the first

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<v Speaker 1>time I thought about them wanting to borrow my car,

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<v Speaker 1>because the whole time I felt like, you don't have

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<v Speaker 1>any money to buy a car yet, so you're not

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<v Speaker 1>going to have a car, so you're still going to

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<v Speaker 1>be getting public trans for And I got them a

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<v Speaker 1>go card the other day and I was like, there

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<v Speaker 1>you go, train, tap away, fast tap away, fifty cent rides. Yeah,

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<v Speaker 1>how good is that?

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<v Speaker 3>So good it is it's probably the only good thing

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<v Speaker 3>that's come out of it for a long time.

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<v Speaker 2>But fifty cents is great.

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<v Speaker 1>How long is that going to go?

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<v Speaker 2>It was only three months though, okay, But.

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<v Speaker 1>Then being able to say can I borrow your car.

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<v Speaker 1>And if it's a case where I'm just at home

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<v Speaker 1>and I'm not going anywhere, yeah, you've got no excuse. No,

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<v Speaker 1>it's kind of hard to say no. I need it

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<v Speaker 1>to it in the garage, my car, and then they're

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<v Speaker 1>going to get a taste of a car that's way

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<v Speaker 1>better than the first car they're going to get. Whit

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<v Speaker 1>I wait until I'm forty one for.

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<v Speaker 2>Yeah, exactly. So the answer is just specifically no, good luck.

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<v Speaker 1>I've heard so many stories of people and they're like,

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<v Speaker 1>get the phone call, who, Sorry, I've crushed your car

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<v Speaker 1>into a fence.

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<v Speaker 3>Please make sure I'm there with you on that day.

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<v Speaker 3>I can't wait to film your reaction. Oh my god,

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<v Speaker 3>I'm laughing because I've got all of this ahead of me. Yeah,

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<v Speaker 3>all of it ahead of me.

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<v Speaker 2>And I know exactly what type of drivers my kids

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<v Speaker 2>are going to be. I know exactly what I'm been

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<v Speaker 2>for mine.

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<v Speaker 1>I've already talked about the music system they want to have,

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<v Speaker 1>and like how loud are they going to have? What

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<v Speaker 1>playlist they're going to have playing? And I'm like, mate,

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<v Speaker 1>you need to concentrate.

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<v Speaker 2>On the road, Katie.

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<v Speaker 3>But I was thinking about it with this stuff is

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<v Speaker 3>when we were doing it. That was one of the

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<v Speaker 3>things that was on my pre you know, requisite list

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<v Speaker 3>of my first car.

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<v Speaker 2>Yes, the car cost four.

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<v Speaker 3>Thousand dollars, but it did have a twenty six Stucker

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<v Speaker 3>CD thing and it with a subwifer. Obviously every dollar

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<v Speaker 3>out of the four thousand dollars.

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<v Speaker 2>Was for the radio system.

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<v Speaker 3>And I mean, these kids just won't ever learn because

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<v Speaker 3>they don't know how hard we had it where we

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<v Speaker 3>had to like stuck in twenty six CDs so that

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<v Speaker 3>you could be able to shuffle songs between your CDs,

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<v Speaker 3>and you know, like all you'd be driving and your

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<v Speaker 3>knees are up around the steering wheel and trying to

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<v Speaker 3>flip through your CD case to find the next CD.

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<v Speaker 2>Maybe give it a bit of a clean before you

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<v Speaker 2>pop it in the machine. They just don't get.

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<v Speaker 1>It skip when you go over a bump. My first car,

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<v Speaker 1>it was one thousand dollars. It's five hundred pounds in England.

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<v Speaker 1>It was a Nisam Micra wind up windows, brown seat

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<v Speaker 1>belt am Radar. I had a whole thing put in

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<v Speaker 1>as well, speakers in the back. But yeah, yeah, then

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<v Speaker 1>you got to put your CDs in or your cassettes

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<v Speaker 1>had a cassette player.

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<v Speaker 2>Yeah, I think there was no. No, I didn't.

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<v Speaker 1>Pressing a button and saying, hey, Siri, play my Spotify playlist.

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<v Speaker 2>Yeah.

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<v Speaker 3>But here we are worrying about them having to like

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<v Speaker 3>just concentrate on the road we're doing. We're fucking concentrating

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<v Speaker 3>on seventy five things, not just one.

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<v Speaker 2>Don't worry about the phone.

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<v Speaker 3>We were doing a lot more than that, and changing

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<v Speaker 3>gears manually.

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<v Speaker 1>I bought it second hand off the guy next door

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<v Speaker 1>who was going blind.

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<v Speaker 2>It only had a few dents.