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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 Pyticks.

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Speaker 2: I'm out and I'm sad And this is two Broke Chicks,

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Speaker 2: the show that shares life lessons and tips to help

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Speaker 2: make you.

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Speaker 1: Rich in life.

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Speaker 2: And welcome back, hey y'all, and we're here to give

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Speaker 2: you a little pep talk if you will, because we

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Speaker 2: are going to be talking the five signs you're doing

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Speaker 2: better financially than you think you are. We actually posted

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Speaker 2: a little snippet in twenty twenty four with some of

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Speaker 2: the five signs you're doing better than you think financially

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Speaker 2: and it's got like a million views.

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Speaker 1: I think more than that at this point.

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Speaker 3: Now if we went and had to look, but a

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Speaker 3: million plus, let's go with that. And it obviously showed

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Speaker 3: us that people need a little bit of a pad

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Speaker 3: on the back, a little bit.

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Speaker 1: Of a pep talk.

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Speaker 2: And even if you get zero out of five, one

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Speaker 2: out of five, five out of five, it's a good

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Speaker 2: reminder of potentially goals to work to if you don't

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Speaker 2: have all of these ticked off, and a good reminder

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Speaker 2: to keep doing these if you do have five out

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Speaker 2: of five. And I really like this because we did

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Speaker 2: a recent episode about financial privileges that aren't that small,

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Speaker 2: and it's very, very easy for us to get wrapped

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Speaker 2: up in the comparison trap that is teacher or torture, right,

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Speaker 2: and I do think we er more towards the side

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Speaker 2: of torture when it comes to comparison.

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Speaker 1: I've been like, oh, they have a house, they're a lawyer, they're.

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Speaker 2: This, They're like and they've got five billion in savings.

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Speaker 2: And we often talk quite negatively.

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Speaker 3: To ourselves, especially when it comes to money and the

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Speaker 3: comparison trap that we fall into.

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Speaker 1: So I'm really excited for this episode. Yeah, exactly.

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Speaker 2: It'll be a good reminder that you're doing a lot

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Speaker 2: better than you think you are, or that financial milestones

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Speaker 2: aren't always just buying a house. It can look a

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Speaker 2: lot of different ways.

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Speaker 1: I actually don't even have all five out of five

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Speaker 1: of these.

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Speaker 2: So like, this is a good reminder for me. I'll

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Speaker 2: share further to which I don't. But before we start.

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Speaker 1: We have to share our obsession of the week, So

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Speaker 1: tell me, tell me sell.

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Speaker 2: Okay, my obsession of the week is new beauty product,

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Speaker 2: and it's the new lipliner from Charlotte Tilbury.

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Speaker 1: There's a new one.

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Speaker 2: Yes, it is called the Lip Cheat Contour Duo. So

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Speaker 2: it's a two in one lipliner and there are four

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Speaker 2: different shades available, but with each product, it has two

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Speaker 2: lipliners on each end, so you're getting two for one.

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Speaker 1: You're getting two for one. A little bit less products,

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Speaker 1: but two shades.

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Speaker 2: Yeah, And I think it's amazing if you're looking for

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Speaker 2: your ideal lip combo because one side is a darker

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Speaker 2: shade and that's what you use to contour or line

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Speaker 2: your lips, and then the other side is a slightly

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Speaker 2: lighter shade and that's the side that you.

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Speaker 1: Used to fill your lips.

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Speaker 2: But it's the perfect match of products because they're made

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Speaker 2: to go together.

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Speaker 1: Which one's your faith?

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Speaker 2: Crently using the fair shade?

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Speaker 1: So they all pillow talk, they are.

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Speaker 2: So it comes in fair, medium, tan, and deep.

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Speaker 1: Okay, yeah, so it's a tone. Are they they more

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Speaker 1: pinky brown?

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Speaker 2: Well, it depends on which shade that you go for.

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Speaker 2: So the fair is light pinky nude with a nude

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Speaker 2: pink maup. Medium is a neutral cool tope nude with

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Speaker 2: a warm cepia brown. Tan is a neutral tan brown

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Speaker 2: with a nude caramel and Deep is a deep cool

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Speaker 2: brown with rich cocoa brown.

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Speaker 1: It's thirty eight dollars. So you know, Charlotte Tilbury, she's

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Speaker 1: on the spinny side. She is on the spinny side.

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Speaker 2: But I do think that because it's the perfect match together.

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Speaker 2: It's a two and one product, and Charlotte Tilbury products

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Speaker 2: are just incredible quality, so I do stand by it.

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Speaker 2: What I will say as well about the Charlotte Tillery

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Speaker 2: lip line is is I remember when we I think

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Speaker 2: it was when we were in America, right, and I

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Speaker 2: scribbled the Charlotte Tillbree liftliner on my hand, and I

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Speaker 2: scribbled a Sephora one on my hand, another brand I

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Speaker 2: can't remember exactly what one it was, and.

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Speaker 1: The Charlotte Tillbury lift liner was on my hand.

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Speaker 3: By the end of the day, the other one had

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Speaker 3: packed her backs, share was down. But the Charlotte till

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Speaker 3: reallifliner after a whole day, like washing my hands, walking around, Yeah,

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Speaker 3: it really does last. So my pet peeve is reapplying

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Speaker 3: my makeup, so I do really vouch for the product. Okay,

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Speaker 3: So my obsession is things I didn't know I could

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Speaker 3: do on my Mac computer. So we've seen a lot

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Speaker 3: of updates coming out with iOS twenty six, which I'm

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Speaker 3: actually a really big fan of a lot of them.

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Speaker 3: I think they look really cool. You can customize your

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Speaker 3: I message. Now there's call screening, which like, thank fuck.

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Speaker 3: The call screening on Apple is going to change my

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Speaker 3: life because there is nothing more annoying than when I

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Speaker 3: pick up the phone and I hear that and I'm

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Speaker 3: like fuck yeah, I just basically like.

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Speaker 1: I don't pick up the phone if I don't know

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Speaker 1: the number.

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Speaker 3: Now, anyway, we went away to Orange with Apple, where

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Speaker 3: they showed us a bunch of new things that you

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Speaker 3: can do with the recent updates, and my favorite thing

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Speaker 3: is that you can basically get three desktops in one

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Speaker 3: with this little hack that I had no idea of

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Speaker 3: that when you swipe up with three fingers, you can

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Speaker 3: create like sub desktops. So basically what you can do

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Speaker 3: is you can have one for work, one for personal,

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Speaker 3: one for shopping, whatever you want them to be, and

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Speaker 3: basically categorize your screens by what you want to do.

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Speaker 3: Because as someone who constantly has five billion tabs open

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Speaker 3: and Windows, this has been a game changer for me.

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Speaker 3: The other little hack that I discovered again, never knew

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Speaker 3: you could do. This might be obvious that if you

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Speaker 3: go to on your windows, when you have the red, yellow,

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Speaker 3: and green little buttons in the top left, if you

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Speaker 3: click the green and hold it, you can actually tetris

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Speaker 3: all your windows to fit into your screen. I was

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Speaker 3: my mind was blown, blown, baby, Like, I truly have

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Speaker 3: never utilized my computer like this before. I know.

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Speaker 2: There are so many hacks with Max and also with

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Speaker 2: your iPhone, Yes, that can just boost your productivity that

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Speaker 2: I think so many of us have no idea. And

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Speaker 2: I love that Window one makes it so easy to multitier, yes,

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Speaker 2: because as well, especially with work, you can have your

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Speaker 2: doc you're working on, your Slack, your Spotify, or if

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Speaker 2: you're trying to copy notes over from two screens, it

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Speaker 2: means you can have it open and it just really

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Speaker 2: makes the process a lot more streamlined. And also in

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Speaker 2: the newest update, you can customize your folders on your

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Speaker 2: computer to make them colorful and pretty.

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Speaker 1: And it's a really bitch honestly.

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Speaker 2: Literally, I'm like ten smash yeah.

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Speaker 1: So love that. We actually have so many more tips.

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Speaker 2: So I think we might do a little social series

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Speaker 2: on things I didn't know my phone could do. Yeah,

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Speaker 2: which I'm very excited for.

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Speaker 1: Love. Okay, shall we get into the episode. Let's do it. Okay.

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Speaker 1: I want to start the.

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Speaker 2: Episode with some chick submissions that we recently put up

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Speaker 2: a story for your unhinged money hacks. And we're not

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Speaker 2: talking like automatic transfers or like a ten percent off

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Speaker 2: promo code.

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Speaker 1: I wanted unhinged, and.

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Speaker 3: I am very proud of the chicks they've delivered. Okay,

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Speaker 3: unhinged money hacks from the chicks. I flip my undies

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Speaker 3: around for the next day.

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Speaker 2: Use.

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Speaker 1: I think everyone does.

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Speaker 2: This a sure.

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Speaker 1: I'm going to be honest.

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Speaker 2: I have been traveling and I ran out of clean

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Speaker 2: undies and I did flip. I did do the flip.

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Speaker 2: I have done it before. There is no shame here.

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Speaker 2: We listen and we don't judge.

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Speaker 3: This isn't something I think that I would say is a

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Speaker 3: regular routine for me.

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Speaker 1: Yeah, but I like it.

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Speaker 2: I take works batteries to use on my vibrators. If

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Speaker 2: they can cause me stress, they.

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Speaker 1: Can relieve it. I love that. I love that.

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Speaker 2: Okay, going to Mecca and Sephora and asking for a sample.

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Speaker 2: I'm on my sixteenth why By Foundation.

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Speaker 1: When you can get a sample. I agree, especially the

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Speaker 1: really expensive ones.

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Speaker 2: If the wine was more than fifteen dollars, the glass

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Speaker 2: also comes with it.

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Speaker 1: I saw that on TikTok the other day.

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Speaker 2: Some said the exact same thing and pulled out like

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Speaker 2: a wine glass on their pocket.

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Speaker 1: I actually, I can cur, I can cur.

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Speaker 2: We have a friend who is such an angel baby

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Speaker 2: that her friend stole a glass from a bar that

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Speaker 2: she calls the restaurant the next day.

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Speaker 1: Offering to pay for it.

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Speaker 2: Okay, oh my gosh, snapping off broccoli and mushroom stalks

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Speaker 2: so it weighs less at the till.

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Speaker 1: Life Act. Genius.

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Speaker 2: Yeah, I don't remember the last time I bought tampon

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Speaker 2: slash pads.

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Speaker 1: Thanks work.

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Speaker 3: Yeah, if you haven't stolen tampons or toilet paper from work.

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Speaker 1: What are you doing. I definitely stole toilet paper from

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Speaker 1: work during COVID. Oh yeah, someone.

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Speaker 2: Said, I pretend not to see when my baby takes

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Speaker 2: things off the shelves when grocery shopping. Oh my god,

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Speaker 2: but you've still got to go through the checkout, yeah,

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Speaker 2: she said, heist.

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Speaker 1: Oh special date night.

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Speaker 2: Always putting b day or anniversary in the instructions for

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Speaker 2: extra service cane confirm confirm so and I do that

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Speaker 2: on like every holiday, and one time we really like

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Speaker 2: took it too far and.

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Speaker 1: We said it was a honeymoon.

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Speaker 3: And so then the entire dinner we pretended to have

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Speaker 3: a fight about our wedding.

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Speaker 1: That sound like an overbearing mother. And I was like,

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Speaker 1: I love your mom.

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Speaker 3: You know I love her, but I just felt like

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Speaker 3: she was really present on the day. I've been like,

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Speaker 3: I don't know what you want me to do about that,

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Speaker 3: like she's my mom, and I was like, I know,

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Speaker 3: I said I love her.

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Speaker 2: And then we're like pretending to have this spot one

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Speaker 2: one hundred percent the way to new We we're fucking lying.

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Speaker 2: He's like, you guys really don't need to do this,

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Speaker 2: Like I don't give a fuck if.

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Speaker 1: You get free cake, have your free tier missoon. Yeah, literally,

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Speaker 1: have your free tiersoon. Shut up. I'm going to use

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Speaker 1: that now when everyonem complaining about something.

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Speaker 2: Someone said, I'm gonna go have your free tier massou

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Speaker 2: and shut up.

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Speaker 1: Put that shit on shirt. You put that shit on

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Speaker 1: a shirt. Okay. I think those are some perfect ones.

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Speaker 1: If you have any of your own, please drop them

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Speaker 1: in the comments.

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Speaker 2: Oh my god, Yes, we don't endorse theft, by the way.

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Speaker 1: Yeah, but when you take talk a bit from both,

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Speaker 1: that's different. Yeah, exactly.

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Speaker 3: Shall we get into our five signs you're doing better

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Speaker 3: financially than you think you are.

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Speaker 1: All right, let's go hit me, sound hit mare.

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Speaker 2: Number one, You contribute to your savings each month. Forty

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Speaker 2: eight percent of Australians don't. But we're getting better.

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Speaker 4: Oh yay, things are looking up, things are looking at

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Speaker 4: So according to a study by can Star, sixty two

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Speaker 4: percent of Australians claim they put money away each month,

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Speaker 4: which is a significant increase from fifty one percent last year.

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Speaker 1: That is huge.

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Speaker 2: Yeah, an eleven percent increase is really big.

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Speaker 1: Especially during a cost of living crisis. I agree. So

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Speaker 1: pat yourself on the.

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Speaker 2: Back if you are doing that, even if it's one dollar, Absolutely,

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Speaker 2: even if it's one dollar.

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Speaker 1: Yeah. And of course there.

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Speaker 2: Are a lot of different ways that you can be

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Speaker 2: saving money away, but the most popular way still remains

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Speaker 2: savings accounts, with forty four percent of Australians choosing this method.

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Speaker 2: So again, you don't have to be like stowing money

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Speaker 2: away in all of these creative ways when you're getting started. Yeah,

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Speaker 2: just like you said, putting one dollar away in a

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Speaker 2: savings account is the perfect place to start to build

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Speaker 2: the habit when that I really enjoyed that is super

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Speaker 2: simple is just roundups. So with my bank that I

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Speaker 2: have is you can select round up that goes into

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Speaker 2: your savings. So let's say you spend a dollar fifty right,

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Speaker 2: the bank will then round up the fifty cents to

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Speaker 2: the next dollar and put that fifty cents into a

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Speaker 2: savings account. And it's all these tiny little things that like, yes,

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Speaker 2: by the end of the week, maybe it's five dollars,

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Speaker 2: but that's still five dollars.

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Speaker 1: That's in that account more than what it is.

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Speaker 3: And you know what, that savings account could just be

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Speaker 3: my fun account totally, Like that doesn't have to be

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Speaker 3: like my big gal savings, Like that could just be

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Speaker 3: the account that I'm like, oh I like something.

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Speaker 1: Let me get it. Let me get that with my

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Speaker 1: round up savings.

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Speaker 2: Like just the little things that you can do to

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Speaker 2: feel like you are adulting, not to use the millennial term.

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Speaker 1: Yeah, I love that.

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Speaker 2: Anything that automates the process is a huge win, especially

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Speaker 2: if you're not a natural saver, you're an actual spender. Yeah,

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Speaker 2: and that appens in the background. I'm an actual spender. Yeah,

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Speaker 2: I was born to spend. I came out the womb

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Speaker 2: and I was like, I'll take that. Yeah. Another strategy

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Speaker 2: that I really like for savings is pay yourself first.

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Speaker 2: So this is a popular method with some people, but

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Speaker 2: it's treating your savings as a non negotiable like you

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Speaker 2: would with your bills or your rent. So when you

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Speaker 2: get your pay each month, before you spend money on anything,

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Speaker 2: you put money into your savings, and then you pay

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Speaker 2: your bills and your other essentials, because the reverse of

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Speaker 2: that is paying all your bills and everything, having your

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Speaker 2: fun money, and then at the end of the month,

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Speaker 2: what's left. You put that into your savings, and a

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Speaker 2: lot of the time there isn't much left, or maybe

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Speaker 2: we've spent a little bit more than we should have

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Speaker 2: on our fun account. So I think putting that money

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Speaker 2: away first and treating your savings as a non negotiable

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Speaker 2: expense is also a great way to make sure that

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Speaker 2: you are consistently putting money away each month if that

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Speaker 2: is a goal for you, And what you can do

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Speaker 2: with that is create a barrier for yourself. Like I

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Speaker 2: said before, I'm a natural born spender baby. So one

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Speaker 2: thing I do is I like to create a barrier

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Speaker 2: between being able to transfer my savings to my spending

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Speaker 2: because it forces.

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Speaker 3: Me to think about whether I really need it. So

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Speaker 3: like I just don't have the app on my phone.

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Speaker 3: I have a completely separate bank that's my savings and

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Speaker 3: a completely separate bank that is my spending. And if

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Speaker 3: for some reason I'm like, oh I really want this

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Speaker 3: and I have to do download the app, log in,

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Speaker 3: remember the password, which you know, sometimes we're like, where.

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Speaker 1: Which one is it? That whole process and that can't

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Speaker 1: be fucked.

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Speaker 2: I don't want it, don't want it that much if

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Speaker 2: I can't be bothered to do that, which really takes

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Speaker 2: two minutes. But if I can't be able to do

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Speaker 2: that two minutes, and I might, I obviously don't want

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Speaker 2: it that much. Yeah, and it literally saves me so

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Speaker 2: much money on nights out for sure.

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Speaker 1: Next rounds, I'm met. Nevermind, No it's not. Yeah, yeah, okay.

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Speaker 3: Next sign you're doing better financially than you think you are?

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Speaker 1: Is you shop secondhand? Now? We saw?

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Speaker 2: Can I talk about this a lot? And it's because

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Speaker 2: we're big fucking fans. So fifty eight percent of Ossie

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Speaker 2: consumers frequently purchase secondhand goods, which is amazing. That's a

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Speaker 2: super high number, but it's also nearly half of Australian's

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Speaker 2: aren't and I think we're going to see this trend

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Speaker 2: continue to grow, which is amazing. And I think a

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Speaker 2: lot of the reason behind the people who don't is

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Speaker 2: maybe a little bit of a lack of education around

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Speaker 2: it or how too. I see so many people confused

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Speaker 2: by how to actually find good things in vintage stores

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Speaker 2: and how to find good things on deepop that there

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Speaker 2: is a real art to it, but once you get

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Speaker 2: in it's a cult.

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Speaker 1: Fully things I think are a cult thrift shopping. Who's

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Speaker 1: in it? Me love it? So I think the reason

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Speaker 1: this is.

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Speaker 2: Becoming a much bigger uptick and uptake of secondhand shopping

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Speaker 2: is a number of reasons. Cost of living pressures, sustainability, awareness,

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Speaker 2: individual style and treasure hunting, rise of online platforms, changing perceptions,

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Speaker 2: and rapid market growth.

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Speaker 1: I think the first two of those is quite obvious.

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Speaker 2: We know that cost of living has definitely pushed people

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Speaker 2: towards trying to find more affordable options, especially within clothing,

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Speaker 2: but also sustainability because these clothes already exist, and there

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Speaker 2: are so many studies and articles out there about the

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Speaker 2: amount of clothes we have existing now we could like wear.

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Speaker 1: For the next five billion years. That's not the study.

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Speaker 1: I think that's a sign of everyone. Yeah, asterixs asterisk.

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Speaker 2: But my favorite one of this is the individual style

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Speaker 2: and treasure hunting element of it, because secondhand shopping opens

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Speaker 2: the door to one of the kind pieces vintage finds

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Speaker 2: not available in mainstream stores.

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Speaker 1: And for style conscious consumers that's us. Let's say that, particularly.

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Speaker 3: Younger generations, it's a chance to showcase individuality and stand out.

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Speaker 3: Which that's why I love fashion, like I love fashion

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Speaker 3: of feeling.

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Speaker 2: You know, like I get to express creativity and feel

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Speaker 2: like myself. And that's not to say that I never

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Speaker 2: buy things from a store either, Like if I like it,

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Speaker 2: then I'm gonna wear.

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Speaker 1: It then Yeah.

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Speaker 3: But I definitely think this treasure hunting element has definitely

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Speaker 3: pushed thrifting.

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Speaker 1: I think unfortunately we are seeing thrifting become more and

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Speaker 1: more expensive.

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Speaker 2: Like when we're in America, we were definitely like, oh

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Speaker 2: my god, yeah, like this is really expensive, but there

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Speaker 2: are some amazing pieces that you can find, and recently

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Speaker 2: Vinnie's just launched an online store, which was another point

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Speaker 2: that I said was the rise of online platform So

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Speaker 2: like eBay has been around for forever, but we've also.

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Speaker 1: Seen Facebook Marketplace deep up in the last ten years.

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Speaker 3: Those have taken off, and now Vinnie's has all also

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Speaker 3: joined the online shopping era of thrifting with the new

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Speaker 3: site called Vinnie's Fines dot com dot au. And it's

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Speaker 3: their more maybe higher tier pieces, more curated, a more

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Speaker 3: curated collection that they have, you know, vintage designer.

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Speaker 1: They also have more higher end items from like.

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Speaker 2: Zimmerman, other ones that I comes, yeah, Zimmerman, Levi's Lee

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Speaker 2: And whilst these do have probably a higher price point

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Speaker 2: than what you would find in store, it's still significantly

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Speaker 2: cheaper than what you would probably find in a thrift

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Speaker 2: focused store or for the full priced item totally.

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Speaker 1: And also it goes back into a charity.

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Speaker 2: Yeah, so I'm okay with paying a little bit more

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Speaker 2: for a really cool piece knowing that as well it's

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Speaker 2: going towards a charity that is focused on helping people.

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Speaker 1: But yeah, I love it. I think everyone knows we

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Speaker 1: love it.

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Speaker 2: So but if you do want to thrift more and

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Speaker 2: you don't know how, like you really struggle to find

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Speaker 2: the good pieces on Deepop.

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Speaker 1: I do have a little little routine that I do.

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Speaker 3: So, for example, when I'm trying to find a good

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Speaker 3: piece on deepop and I really am looking for a

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Speaker 3: certain style, I think you will find that sellers incorporate,

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Speaker 3: Like when you find a seller that has a wardrobe

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Speaker 3: aesthetic similar to what you're after, that's what you likech onto.

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Speaker 1: So let's say I'm wanting to find like, my style

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00:19:28,440 --> 00:19:29,440
Speaker 1: is very much.

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Speaker 2: Seventies, maybe a little bit more masculine, a little bit

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Speaker 2: more rock and roll. Right, if I find that, and

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Speaker 2: I find a seller, Let's say there sell an amy

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Speaker 2: is Daisy Jones sixty nine.

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Speaker 1: So I'm going to go to Daisy Jones sixty.

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Speaker 2: Nine her store, have a little scroll, enjoy myself. But

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Speaker 2: then I know that she likes things that I like.

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Speaker 2: So then I'm going to go look at her likes

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Speaker 2: because you can see that on deepop, and I'm going

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Speaker 2: to see the things that she likes because I like

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Speaker 2: what she likes.

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Speaker 1: Then I'm going to find more people.

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Speaker 3: So let's say I find another seller through that person

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Speaker 3: called Penny Lane sixty nine.

405
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Speaker 1: Then I'm gonna look at Penny Lane stuff and.

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Speaker 2: Maybe I'll send a few negotiations on that. Then we're

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Speaker 2: gonna look at her likes. That is how I find

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Speaker 2: cool shit on Deepop. I find the sellers that I like,

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Speaker 2: and then I look at their lax.

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Speaker 1: That'll probably be some people I've been like, no, I

411
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Speaker 1: was going to buy that, but I'm like, that's how

412
00:20:22,080 --> 00:20:25,920
Speaker 1: I discovered the cool shit. Yeah. And also it's public information.

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Speaker 4: Yeah.

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00:20:26,400 --> 00:20:30,040
Speaker 2: Deepop would have that showing for that exact reason exactly

415
00:20:30,080 --> 00:20:34,360
Speaker 2: to help funnel people into their niche interests. And deepop

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00:20:34,560 --> 00:20:37,920
Speaker 2: or Facebook, Marketplace or eBay is just like any other platform,

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00:20:37,960 --> 00:20:40,280
Speaker 2: and it functions on an algorithm, and you have to

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Speaker 2: train the dragon to give you the treasures that you want.

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Speaker 1: Fat okay.

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Speaker 2: Our third sign that you're doing better than you think financially,

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00:20:49,160 --> 00:20:53,040
Speaker 2: you don't have buy now, pay later debt. So in

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Speaker 2: September twenty twenty four, the average buy now, pay later

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Speaker 2: the debt was nine hundred and sixty four dollars. This

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Speaker 2: actually significantly from July twenty twenty three, when the average

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Speaker 2: was one three hundred and ninety one dollars.

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Speaker 3: Interestingly, I think we will see this debt go even

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Speaker 3: lower if you listen to the News Arrivals episode from

428
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Speaker 3: a couple weeks back, we actually discussed how buy now

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Speaker 3: Pay Later has evolved and is now looked at like

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Speaker 3: credit and can affect your credit score. So I think

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Speaker 3: with this in mind, people are going to be a

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Speaker 3: lot more conservative with.

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Speaker 1: The way that they use buy Now Pay Later. We're

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Speaker 1: not trying to demonize it as well.

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Speaker 2: We know that this can be an incredibly helpful tool

436
00:21:34,840 --> 00:21:38,040
Speaker 2: for those who need to split payments across their paycheck, Yeah,

437
00:21:38,119 --> 00:21:38,680
Speaker 2: freeing up.

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Speaker 1: Cash flow, freeing up cash flow.

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Speaker 3: And we've very commonly said that using this like Christmas

440
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Speaker 3: time can be a really really helpful thing.

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Speaker 1: And if you are on time with your payments and you.

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Speaker 2: Do follow the process as you should do so responsibly. Yeah,

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Speaker 2: but that's the thing. The problem is a lot of

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Speaker 2: people don't do that. Elf included when I first got

445
00:22:01,520 --> 00:22:05,400
Speaker 2: it when I was younger, I definitely had late payments

446
00:22:05,440 --> 00:22:08,080
Speaker 2: and would have to pay fees because I'm forgetful.

447
00:22:07,880 --> 00:22:09,760
Speaker 1: And potentially the money wasn't in my account.

448
00:22:09,840 --> 00:22:12,000
Speaker 3: I was like, oh fuck being bang bong. Yeah, Like

449
00:22:12,160 --> 00:22:14,480
Speaker 3: I don't want anyone to feel like shit.

450
00:22:14,359 --> 00:22:16,159
Speaker 1: Yeah, I've done that. I'm bad at my money.

451
00:22:16,320 --> 00:22:19,439
Speaker 3: That's I think more often than not people would have

452
00:22:19,440 --> 00:22:22,879
Speaker 3: missed a payment on after pay at least once. And

453
00:22:22,920 --> 00:22:24,479
Speaker 3: that's where you kind of have to look at it

454
00:22:24,520 --> 00:22:26,920
Speaker 3: in terms of being like, all right, am I actually

455
00:22:27,600 --> 00:22:31,600
Speaker 3: using this as a responsible way to free up cash flow.

456
00:22:31,280 --> 00:22:34,960
Speaker 2: And you know, base my money out? Or am I

457
00:22:35,080 --> 00:22:37,520
Speaker 2: using this because it's t he free money? But it's

458
00:22:37,520 --> 00:22:38,320
Speaker 2: not free money.

459
00:22:38,400 --> 00:22:39,600
Speaker 1: It's not it's your money.

460
00:22:39,680 --> 00:22:43,200
Speaker 2: And just like any credit product, like a credit card,

461
00:22:43,280 --> 00:22:46,000
Speaker 2: as soon as you're paying any sort of interest or fee,

462
00:22:46,920 --> 00:22:50,400
Speaker 2: you're completely nullifying any sort of benefit that you got

463
00:22:50,440 --> 00:22:53,359
Speaker 2: from using that service. So, just like anything, you can

464
00:22:53,480 --> 00:22:56,040
Speaker 2: use it, but use it responsibly and have a payment

465
00:22:56,080 --> 00:22:59,919
Speaker 2: plan and a budget plan in place. Okay, and before

466
00:23:00,200 --> 00:23:03,760
Speaker 2: you know what subscriptions you're paying for this is the

467
00:23:03,760 --> 00:23:07,120
Speaker 2: one at the start of the episode that I have

468
00:23:07,200 --> 00:23:11,080
Speaker 2: to work on. So according to savings dot com dot

469
00:23:11,119 --> 00:23:15,440
Speaker 2: Au research suggests unneus subscriptions and forgotten payments are costing

470
00:23:15,520 --> 00:23:19,560
Speaker 2: Australians up to one two hundred and sixty one dollars

471
00:23:19,600 --> 00:23:20,240
Speaker 2: per year.

472
00:23:20,800 --> 00:23:21,680
Speaker 1: That is crazy.

473
00:23:22,200 --> 00:23:25,800
Speaker 2: That's a lot of money that's the unused and'sgotten on you.

474
00:23:26,160 --> 00:23:28,360
Speaker 2: That's not counting the ones that you know that you're

475
00:23:28,400 --> 00:23:30,000
Speaker 2: paying for and are using actively.

476
00:23:30,160 --> 00:23:30,879
Speaker 1: Uh huh.

477
00:23:30,960 --> 00:23:35,480
Speaker 3: So ninety five percent of Australians have at least one

478
00:23:35,560 --> 00:23:40,280
Speaker 3: scheduled outgoing payment per month, and the average person has five.

479
00:23:41,240 --> 00:23:44,320
Speaker 1: I definitely have more than five. I definitely have more

480
00:23:44,359 --> 00:23:44,760
Speaker 1: than five.

481
00:23:44,880 --> 00:23:50,879
Speaker 2: And I don't know what they are above average, but

482
00:23:51,040 --> 00:23:54,600
Speaker 2: you know what it's like. That's the thing that is

483
00:23:54,680 --> 00:23:57,560
Speaker 2: why we need to have these scheduled moments that we

484
00:23:57,600 --> 00:23:59,560
Speaker 2: look at what's coming out of our account. Because when

485
00:23:59,600 --> 00:24:01,480
Speaker 2: I've done it in the past, I've realized that I

486
00:24:01,600 --> 00:24:04,800
Speaker 2: was paying for you know, a streaming service twice.

487
00:24:05,119 --> 00:24:07,320
Speaker 1: Yeah, because I've done the I've.

488
00:24:07,160 --> 00:24:10,080
Speaker 3: Done the free trial thing right and then forgotten to

489
00:24:10,080 --> 00:24:10,600
Speaker 3: cancel it.

490
00:24:10,800 --> 00:24:11,040
Speaker 1: Yeah.

491
00:24:11,359 --> 00:24:15,359
Speaker 2: That I'm just like, yeah, Or you're paying for duplicate services, yeah,

492
00:24:15,400 --> 00:24:17,200
Speaker 2: you know, like you've got to drop Box and you've

493
00:24:17,200 --> 00:24:20,880
Speaker 2: got your Google Drive literally literally.

494
00:24:21,119 --> 00:24:23,520
Speaker 1: Yeah. So obviously the.

495
00:24:23,480 --> 00:24:27,280
Speaker 2: Tip within this, if you haven't ticked this one off

496
00:24:27,640 --> 00:24:31,679
Speaker 2: same disease, is to categorize and do an audit of

497
00:24:31,720 --> 00:24:35,360
Speaker 2: your subscriptions and to categorize them as essential, nice to have,

498
00:24:35,680 --> 00:24:36,560
Speaker 2: or unused.

499
00:24:36,640 --> 00:24:41,760
Speaker 1: And you need to be cutthroat. We're gonna like Swedish.

500
00:24:41,280 --> 00:24:46,160
Speaker 2: Death clean Marie Condo these bitches. So being brutally honest,

501
00:24:46,160 --> 00:24:49,560
Speaker 2: You're essentials is things you use regularly and bring it

502
00:24:49,640 --> 00:24:50,640
Speaker 2: clear value.

503
00:24:51,000 --> 00:24:51,400
Speaker 1: Eg.

504
00:24:52,480 --> 00:24:57,399
Speaker 2: Spotify or your cloud storage or your gym membership if

505
00:24:57,440 --> 00:24:58,520
Speaker 2: you're actually.

506
00:24:58,400 --> 00:25:02,040
Speaker 1: Going, yeah, important part of that. That one was a

507
00:25:02,040 --> 00:25:07,240
Speaker 1: little tidbit for musself. Your next is nice to have,

508
00:25:07,600 --> 00:25:11,200
Speaker 1: so you use it, but you could live without it,

509
00:25:11,440 --> 00:25:13,240
Speaker 1: then maybe you can just resubscribe.

510
00:25:13,240 --> 00:25:16,840
Speaker 2: For example, where you watch RuPaul's Drag Race like it's

511
00:25:16,880 --> 00:25:20,320
Speaker 2: our death show, like my Final Day, give me the

512
00:25:20,400 --> 00:25:24,520
Speaker 2: drag Queens. But whenever it's not on am I using

513
00:25:24,560 --> 00:25:26,280
Speaker 2: that streaming platform.

514
00:25:26,600 --> 00:25:28,280
Speaker 1: It's nice to have. It's nice to have on a

515
00:25:28,280 --> 00:25:30,400
Speaker 1: Friday when I don't know what to watch. But that's

516
00:25:30,400 --> 00:25:33,120
Speaker 1: the only thing. But that's kind of the only thing.

517
00:25:33,280 --> 00:25:34,960
Speaker 1: And that's just an example, dah.

518
00:25:35,240 --> 00:25:36,760
Speaker 2: I think it's the whole thing of like, oh well

519
00:25:36,960 --> 00:25:39,800
Speaker 2: something might pop up and it's like, well fuck if

520
00:25:40,480 --> 00:25:42,359
Speaker 2: one movie, but you know what, you.

521
00:25:42,400 --> 00:25:44,160
Speaker 1: Could probably just rent the movie.

522
00:25:44,560 --> 00:25:48,280
Speaker 2: Yeah, it's cheaper than the actual streaming platforms these days.

523
00:25:48,359 --> 00:25:50,760
Speaker 3: Yes, so like renting your movies like three dollars, yeah,

524
00:25:50,840 --> 00:25:52,040
Speaker 3: rather than twelve dollars.

525
00:25:52,880 --> 00:25:56,879
Speaker 2: Video stores made all same or like the DVD ending machines.

526
00:25:57,320 --> 00:26:00,359
Speaker 2: Oh my god, yeah, yeah, like you'd get Domin and

527
00:26:00,359 --> 00:26:02,840
Speaker 2: then you'd get like a DVD that had Shrek and.

528
00:26:03,800 --> 00:26:05,480
Speaker 1: No, I agree.

529
00:26:05,720 --> 00:26:08,239
Speaker 2: And then finally is you're unused or forgotten that you

530
00:26:08,359 --> 00:26:12,119
Speaker 2: haven't touched in weeks or months, And again you have

531
00:26:12,200 --> 00:26:13,760
Speaker 2: to not be like, oh but do you know what

532
00:26:13,840 --> 00:26:15,919
Speaker 2: I will start next week or I'll use it, just

533
00:26:15,920 --> 00:26:17,879
Speaker 2: get rid of it because you can always get it

534
00:26:17,960 --> 00:26:24,439
Speaker 2: back and unsubscribe from the fucking emails because I can't

535
00:26:24,600 --> 00:26:27,880
Speaker 2: stand on people like we missed you coming, No, yeah,

536
00:26:28,000 --> 00:26:31,560
Speaker 2: leave me alone, bas Sheeba get Away Darker. The other

537
00:26:31,600 --> 00:26:35,480
Speaker 2: thing you can do with this is bundle services. So

538
00:26:35,800 --> 00:26:37,560
Speaker 2: one that we discovered this year.

539
00:26:37,400 --> 00:26:41,480
Speaker 3: That I was like, fuck, that's good value is Amazon

540
00:26:41,600 --> 00:26:46,919
Speaker 3: Prime includes multiple perks, so you get Prime the streaming service.

541
00:26:47,400 --> 00:26:48,400
Speaker 1: You can also.

542
00:26:48,119 --> 00:26:52,480
Speaker 2: Include Amazon Music, which within Amazon Music, depending on what

543
00:26:52,600 --> 00:26:56,359
Speaker 2: level you are, you also get Audible Access, which you

544
00:26:56,400 --> 00:26:59,160
Speaker 2: get one credit per month, which is one book per month.

545
00:26:59,200 --> 00:27:02,840
Speaker 2: That I'm like, that's like three streaming services in one

546
00:27:02,920 --> 00:27:06,360
Speaker 2: payment that I'm like, that's good that I'm like, Okay,

547
00:27:06,520 --> 00:27:08,600
Speaker 2: that's good value. So look for those things that you

548
00:27:08,640 --> 00:27:11,720
Speaker 2: can bundle with or you can even earn points with

549
00:27:11,760 --> 00:27:17,240
Speaker 2: for example, my pet insurance. I bundled with my points

550
00:27:17,720 --> 00:27:20,800
Speaker 2: so that every time I pay for my pets pet insurance,

551
00:27:20,840 --> 00:27:24,000
Speaker 2: I'm also earning points. I got like thirty thousand points

552
00:27:24,000 --> 00:27:24,640
Speaker 2: from that.

553
00:27:24,640 --> 00:27:25,200
Speaker 1: That's so good.

554
00:27:25,240 --> 00:27:27,200
Speaker 2: Or you can do it with your electricity, Like look

555
00:27:27,240 --> 00:27:31,560
Speaker 2: at the things that like, especially with phones, like your

556
00:27:31,720 --> 00:27:35,159
Speaker 2: phone plan, there are so many things that they do

557
00:27:35,280 --> 00:27:37,840
Speaker 2: with that that you get free streaming services within your

558
00:27:37,880 --> 00:27:40,120
Speaker 2: phone plan when you sign up for X.

559
00:27:40,080 --> 00:27:41,840
Speaker 1: Amount of months or whatever it is.

560
00:27:42,400 --> 00:27:44,159
Speaker 2: Or when you get a new Apple product, do you

561
00:27:44,160 --> 00:27:45,120
Speaker 2: get free Apple music?

562
00:27:45,160 --> 00:27:48,359
Speaker 1: Like, there's so many bundles. We should do a cheat

563
00:27:48,320 --> 00:27:50,600
Speaker 1: sheet of bundles. Yeah, that would be good.

564
00:27:50,920 --> 00:27:54,000
Speaker 3: Yep, love that yeppers. So yeah, I think make this

565
00:27:54,080 --> 00:27:56,679
Speaker 3: part of your routine. Make this a monthly review. I

566
00:27:56,680 --> 00:27:59,320
Speaker 3: feel like I need to make this a weekly review

567
00:28:00,080 --> 00:28:02,640
Speaker 3: so that I can wrap my head around exactly what's

568
00:28:02,680 --> 00:28:06,359
Speaker 3: coming out monthly. Yeah, and then I can probably transition

569
00:28:06,480 --> 00:28:07,919
Speaker 3: to a monthly review.

570
00:28:08,160 --> 00:28:09,840
Speaker 1: I feel like I need to do weekly first.

571
00:28:09,920 --> 00:28:11,200
Speaker 2: Yeah, need to really get.

572
00:28:11,080 --> 00:28:13,560
Speaker 3: Onto it so that way it's smaller increments, because I

573
00:28:13,560 --> 00:28:15,520
Speaker 3: think what's deterring me is like a month.

574
00:28:15,480 --> 00:28:16,800
Speaker 1: Like I got through a whole month.

575
00:28:16,960 --> 00:28:20,080
Speaker 3: Yeah, that's a lot, big task, whereas if I do

576
00:28:20,160 --> 00:28:23,479
Speaker 3: it weekly and I and I'm even just writing a list,

577
00:28:23,680 --> 00:28:24,920
Speaker 3: and then at the end of the month, I.

578
00:28:24,840 --> 00:28:27,040
Speaker 1: Can be like, goodbye, goodbye, goodbye, goodbye.

579
00:28:27,160 --> 00:28:29,639
Speaker 3: Yeah, I think that's my that's my goal. Such a

580
00:28:30,280 --> 00:28:32,960
Speaker 3: satisfying feeling too. Yeah, when you cancel.

581
00:28:32,640 --> 00:28:34,879
Speaker 2: It, I will do it and I'll come back and

582
00:28:34,920 --> 00:28:38,520
Speaker 2: I will share how much money I've wasted slash saves Yeah.

583
00:28:38,600 --> 00:28:41,200
Speaker 1: Nice, Yeah, how much do you say? Let's make it positive? Yeah,

584
00:28:41,240 --> 00:28:44,680
Speaker 1: but it's also fun to read myself for filth okay

585
00:28:44,880 --> 00:28:45,640
Speaker 1: our final one.

586
00:28:46,600 --> 00:28:49,200
Speaker 2: You wait more than twenty four hours to make a purchase.

587
00:28:50,520 --> 00:28:53,280
Speaker 2: So I studied bi shopfully found that eighty percent of

588
00:28:53,320 --> 00:28:56,800
Speaker 2: Australians made an impulse purchase in store in twenty twenty four.

589
00:28:57,520 --> 00:29:01,880
Speaker 2: Across generations, younger Australians are more likely to indulge in

590
00:29:01,960 --> 00:29:04,840
Speaker 2: impulse purchases, with eighty eight percent of gen z and

591
00:29:04,920 --> 00:29:08,000
Speaker 2: eighty three percent of millennials admitting to making an impulse

592
00:29:08,080 --> 00:29:09,720
Speaker 2: buy last year.

593
00:29:10,120 --> 00:29:11,200
Speaker 1: Also, eight in ten.

594
00:29:11,160 --> 00:29:15,440
Speaker 2: Australians spent money on items or services without considering the

595
00:29:15,600 --> 00:29:19,600
Speaker 2: cost Yeah, with the most common categories of these things

596
00:29:19,640 --> 00:29:24,600
Speaker 2: including clothing and accessories, coffee and takeaway. Yeah, so you

597
00:29:24,720 --> 00:29:27,800
Speaker 2: mentioned this before, but putting a barrier to entry to

598
00:29:27,880 --> 00:29:31,920
Speaker 2: make your purchases is a great way to curb impulse

599
00:29:31,960 --> 00:29:36,120
Speaker 2: spending or maybe spending things, spending money on things a

600
00:29:36,160 --> 00:29:39,080
Speaker 2: little less mindfully, like not considering the cost of the coffee.

601
00:29:39,520 --> 00:29:41,360
Speaker 1: Well, it's only eight bucks today.

602
00:29:41,280 --> 00:29:44,840
Speaker 2: But as we all know, these things add up and

603
00:29:45,400 --> 00:29:48,120
Speaker 2: every cent and dollar really makes a difference.

604
00:29:48,440 --> 00:29:49,320
Speaker 1: And there are a lot of.

605
00:29:49,320 --> 00:29:52,640
Speaker 2: Different ways that you can avoid impulse shopping, but a

606
00:29:52,640 --> 00:29:53,680
Speaker 2: super popular.

607
00:29:53,360 --> 00:29:55,280
Speaker 1: One is the twenty four hour rule.

608
00:29:55,440 --> 00:29:58,240
Speaker 2: The twenty four hour rule is a shopping strategy to

609
00:29:58,320 --> 00:30:03,160
Speaker 2: help curb impulse buy by delaying your purchase for a day.

610
00:30:04,080 --> 00:30:06,840
Speaker 2: And so basically, when you feel the urge to buy something,

611
00:30:06,960 --> 00:30:09,160
Speaker 2: or you see something you're like, ooh, maybe i'll add

612
00:30:09,200 --> 00:30:12,480
Speaker 2: that to Kart, you wait twenty four hours before making

613
00:30:12,520 --> 00:30:16,720
Speaker 2: the purchase because this helps delay the instant gratification that

614
00:30:16,760 --> 00:30:19,520
Speaker 2: you would have gotten from making the purchase and can

615
00:30:19,600 --> 00:30:22,800
Speaker 2: help you understand do I really want it or was

616
00:30:22,800 --> 00:30:25,040
Speaker 2: I just seeking a dopamine hit in the moment by

617
00:30:25,200 --> 00:30:25,880
Speaker 2: spending money.

618
00:30:26,200 --> 00:30:27,560
Speaker 3: Do you know what that could be a good thing

619
00:30:27,800 --> 00:30:30,880
Speaker 3: for takeaway in terms of like if it's an impulse

620
00:30:31,000 --> 00:30:35,000
Speaker 3: I'm speaking for asking for a friend, of being like,

621
00:30:35,440 --> 00:30:37,120
Speaker 3: for example, when you come home and you're really tired

622
00:30:37,120 --> 00:30:40,880
Speaker 3: and you do have groceries in the fridge, being like, Okay,

623
00:30:40,920 --> 00:30:42,760
Speaker 3: do you know what If I really want it, I'll

624
00:30:42,760 --> 00:30:45,000
Speaker 3: get it for dinner tomorrow night. I'll make the dinner

625
00:30:45,040 --> 00:30:47,320
Speaker 3: I have now, And if I really want to, I'll

626
00:30:47,360 --> 00:30:48,600
Speaker 3: get the takeaway tomorrow night.

627
00:30:48,680 --> 00:30:51,360
Speaker 2: Yeah. If I'm still craving out, yeah, I still think

628
00:30:51,440 --> 00:30:55,800
Speaker 2: like again, free will have fun, Like I love a

629
00:30:55,840 --> 00:30:57,160
Speaker 2: Friday night takeaway moment.

630
00:30:57,400 --> 00:30:59,640
Speaker 3: But it's when it's like that's part of your routine,

631
00:30:59,840 --> 00:31:02,120
Speaker 3: part my routine, and that's what I mean. I mean like,

632
00:31:02,160 --> 00:31:04,680
Speaker 3: if you get a coffee every day, that's eight dollars

633
00:31:04,680 --> 00:31:07,840
Speaker 3: every day, that's that's not I don't categorize that as

634
00:31:07,880 --> 00:31:11,400
Speaker 3: an impulse thing. I think more along the lines of like, yeah,

635
00:31:11,400 --> 00:31:13,000
Speaker 3: when you're sitting on the couch, be like, oh, we

636
00:31:13,000 --> 00:31:15,280
Speaker 3: wanted to get up yeah, and then you see it

637
00:31:15,320 --> 00:31:17,080
Speaker 3: out and you're like, oh that pus still looks good.

638
00:31:17,280 --> 00:31:22,720
Speaker 2: Honestly, post takeaway clarity, fuck post nut clarity.

639
00:31:22,760 --> 00:31:25,800
Speaker 1: Hey, honestly, I think it's worse. I think it's worse too.

640
00:31:26,320 --> 00:31:28,840
Speaker 2: But if you were trying to curb the impulse spending

641
00:31:28,880 --> 00:31:30,760
Speaker 2: habit that you have twenty.

642
00:31:30,520 --> 00:31:33,880
Speaker 1: Four hours is a great place to start. Definitely, love it,

643
00:31:34,080 --> 00:31:35,520
Speaker 1: love well, that's rap.

644
00:31:35,560 --> 00:31:37,520
Speaker 3: That's a wrap for this episode of Two Broke Train.

645
00:31:37,880 --> 00:31:39,680
Speaker 3: Thanks for having us in your ear holes.

646
00:31:39,840 --> 00:31:44,239
Speaker 2: See y'all next time, come back here where Bye ChEI

647
00:31:44,320 --> 00:31:46,600
Speaker 2: geez we love yeah And thanks to MKA Made for

648
00:31:46,640 --> 00:31:47,920
Speaker 2: making today's episode happen.

649
00:31:48,280 --> 00:31:48,760
Speaker 1: Bye Bye