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

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Speaker 1: will be Aboriginal Land.

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

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Speaker 2: two Road Chicks, the show that shares tips and life

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Speaker 2: that seems to make you reach in a life and

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Speaker 2: welcome back babies. Today we are going to talk about

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Speaker 2: the three habits that are keeping you broke and you

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Speaker 2: guys love the money apps, but the girlypop money apps,

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Speaker 2: so that girl finances if you will, and so we're

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Speaker 2: going to jump straight into that. But before we do,

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Speaker 2: we are going to talk about our obsession of the week.

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Speaker 2: These are my obsessions. All right, let's go sour. What

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Speaker 2: are you obsessed with?

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Speaker 3: Okay, this is so random, but this is one of

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Speaker 3: my comfort TikTok accounts that I like to.

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Speaker 4: Follow and enjoy.

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Speaker 3: His account called the Nitro Bar and it's a coffee

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Speaker 3: shop in Rhode Island.

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

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Speaker 3: Yeah, And they have like an amazing TikTok strategy and

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Speaker 3: they'll often be like Charlie XCX walks in what are

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Speaker 3: you gonna make her? And then the brustol will be like,

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Speaker 3: I'll make her a blueberry marcher with.

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Speaker 4: Blah blah blah, or they'll be like, you're ex, who

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Speaker 4: did you dirty walked in? What are you going to make?

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Speaker 2: What was that one?

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Speaker 4: It'll be like something that would make you shit your

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Speaker 4: hats in thirty seconds, Like it would be something like that.

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Speaker 2: That's my coffee every morning.

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Speaker 4: Yeah, literally, I'm like, oh, so a nice latte.

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Speaker 3: But anyway, the night trobar, They're just like, the team

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Speaker 3: is so cute, the drinks and food looks amazing, and

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Speaker 3: I don't think it's in Rhode Island.

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Speaker 2: We'll put on the bucket leader. Yeah.

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Speaker 3: I don't think I ever really wanted to go to

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Speaker 3: Rhode Island or it was never, you know, like on

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Speaker 3: my immediate hit list, but I'm like, I feel like

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Speaker 3: it is now because I'd need to go be friends

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Speaker 3: with them and eat the delicious bagels.

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Speaker 2: I know what they would make you.

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Speaker 4: What's yours?

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Speaker 2: Okay? This one's really simple, and it's basically like a

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Speaker 2: lazy girl beauty hack that I've started incorporating into my

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Speaker 2: routine because doing anything I put off for maybe like

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Speaker 2: two to three months seventy five business days, and that

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Speaker 2: includes moisturizing, like moisturizing as a task is just a

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Speaker 2: massive pain in the ask. Yeah, pod, And so this

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Speaker 2: hack is basically to incorporate oil in the shower. So

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Speaker 2: when you finish your shower, you put body oil on

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Speaker 2: when your skin is still wet and then you dry.

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Speaker 2: And my skin is so soft, and I had this

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Speaker 2: oil sitting next to my bed. Its like if I

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Speaker 2: put it next to my bed, I'll put it on

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Speaker 2: before bed. That wouldn't happen.

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Speaker 4: Well because you don't want to put an oil on

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Speaker 4: and then get into bed.

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Speaker 2: But then as well, I don't want to put an

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Speaker 2: oil on and then put clothes on, So like when

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Speaker 2: is the good time to do it? Yeah, Like it's

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Speaker 2: really good to hydrate your skin, especially because we've just

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Speaker 2: had winters. So it's like yeah, but literally put it

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Speaker 2: in the shower. Use your body oil in the shower,

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Speaker 2: and you will be ready to slip and slide and

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Speaker 2: do the huller. It is amazing.

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Speaker 3: And a good body oil usually like soaks in pretty

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Speaker 3: quickly as well, so you have to wait around for

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Speaker 3: ages to pjs on.

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Speaker 4: Do you know who does that? Kylie Jenner.

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Speaker 2: And Chloe Kardashian.

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Speaker 4: I remember seeing like a cliff on TikTok.

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Speaker 3: Of them talking about like their body moisturizer routine or

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Speaker 3: the shower routine or something, and I swear they both

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Speaker 3: said that they do that, and then they both they.

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Speaker 4: Follow up with a moisturizer as well.

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Speaker 3: But I think if you struggle to put that into

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Speaker 3: your routine, I haven't needed in the shower, it's good.

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Speaker 4: I like the Frank Bod body oil.

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Speaker 2: Yes, but that one's really good. I used that to

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Speaker 2: the last drop. Yeah that was good. But yeah, So

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Speaker 2: that's what I would recommend everyone give a little go

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Speaker 2: love it.

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Speaker 3: It's get into the episode.

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Speaker 2: Oh riety. So the three habits keeping you break? So

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Speaker 2: these are like three very very easy, under the radar

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Speaker 2: things that we have all been guilty of. So this

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Speaker 2: is not a witch hunt. This is a community of

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Speaker 2: witches of black mind.

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Speaker 4: This is a coven.

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

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Speaker 2: witch coven of broke chicks. And there's I reckon I

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Speaker 2: have done all of these. That's why thought them single one. Yeah,

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Speaker 2: because we were like, what are the three things that like?

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Speaker 2: And you know what, it's work in progress. Like, you

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Speaker 2: don't just immediately become good at your finances. It's a skill.

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Speaker 2: You grow and you build. So we'll get into the

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Speaker 2: first one and it is the treat yourself mentality. Yep.

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Speaker 2: So this is the first of the three habits that

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Speaker 2: are keeping you broke. And as much as I love

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Speaker 2: that scene in Parks and Racks where they're going treat

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Speaker 2: yourself and it's like broken with your boyfriend, had a

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Speaker 2: bad day at work, treat yoursel had a minor inconvenience,

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

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Speaker 2: I don't think this message and we'll go into it.

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

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Speaker 2: So yeah.

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Speaker 3: Basically it's like you don't have to buy yourself something

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Speaker 3: to reward yourself every single time you feel good or

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Speaker 3: mad or sad or angry or happy. Yeah, Like it

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Speaker 3: doesn't have to go like that doesn't have to be

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Speaker 3: your go to respond.

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Speaker 4: It's fun.

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Speaker 2: I'll validate your h like I'll validate you, but it's

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

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Speaker 3: It's all a part of incorporating to treat yourself as

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Speaker 3: part of your budget and having that be one small

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Speaker 3: part because we can't have our entire budget just going

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Speaker 3: towards the essentials in life, because that's boring, no, And

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Speaker 3: that's why a lot of people don't stick to their

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Speaker 3: budget because it's so regulated.

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Speaker 2: It's so it's not going to anything that fills your cup.

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Speaker 2: And again, like we say, paying your rent and paying

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Speaker 2: your bills and all of that stuff is very important.

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Speaker 2: And like the best investment you make is you know

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Speaker 2: your rent because that's your home and that's where you

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Speaker 2: feel safe and you feel cozy and rested. But you

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Speaker 2: do need to have like your fun budget or you

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Speaker 2: treat yourself budget. However, some that's when it becomes blurred

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Speaker 2: when we don't have a treat yourself budget, or we

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Speaker 2: just limit ourselves and then we just splur. You don't

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Speaker 2: give yourself a cap exactly. I did see a stat

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Speaker 2: that said that we are willing to spend thirty percent

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Speaker 2: more when we are sad.

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Speaker 3: How wild is that that adds up?

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Speaker 2: Right?

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Speaker 4: Where are the results?

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Speaker 1: Yeah, so if.

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Speaker 2: You're shopping when you're sad, you will spend thirty percent

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Speaker 2: more on something uck to like treat yourself or be

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Speaker 2: like I deserve it and fucking mood. Been there, done

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Speaker 2: that multiple times.

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Speaker 3: That's why it's so important to know what your spending

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Speaker 3: triggers are yeah, and knowing that. Okay, I'm in a

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Speaker 3: sad mood. Am I buying this because I genuinely need

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Speaker 3: it and genuinely want it?

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Speaker 4: Or am I depressed?

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Speaker 2: Can I talk about a treat your self experience that

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Speaker 2: we had?

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Speaker 4: Yeah?

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Speaker 2: Sure, okay. The year was twenty twenty oh no, COVID

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Speaker 2: was hitting Our office had just been shut down. Sal

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Speaker 2: and I were in the Westfield food court. I was

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Speaker 2: eating a luxA. She was having some form of Mexican food.

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Speaker 4: Sounds about right.

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Speaker 2: We weren't speaking for about an hour because the existential

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Speaker 2: crisis valid was real. This was like the.

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Speaker 4: Fifteenth of March twenty twenty or something.

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Speaker 2: And after maybe thirty minutes of silence of just eating

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Speaker 2: our food and being like, what's going on, Soa goes,

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Speaker 2: We've got to go to Mecca. I've got to control something.

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

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Speaker 2: into lockdown, and Soald just like.

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Speaker 3: I bought like a colorful eyeshadow palett. Yeah, I didn't

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Speaker 3: use that literally by the time I was able to

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Speaker 3: get out of like, I really should have bought like

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Speaker 3: a face mask or something.

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Speaker 2: How were you supposed to know?

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Speaker 4: That we were about to be lost up the pandemic.

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Speaker 2: That is an example of treat I also thought it

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Speaker 2: was really cool because part of this study though, which

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Speaker 2: I think we could lean into maybe the emotional spending

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Speaker 2: the videos, is that it was also talking about the

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Speaker 2: happy emotions that come with shopping, but not from spending

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Speaker 2: but from rejecting items. Yeah. That it was like people

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Speaker 2: feel really happy to be like, no, I don't want that.

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Speaker 2: But I was like, maybe we need to lean into that.

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Speaker 2: And that's something that you can incorporate if you are

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Speaker 2: a bit of a treat yourself girly being like do

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Speaker 2: you know what? And that's why like the pinterest shopping

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Speaker 2: is good and also the wishless shopping is good. Yeah.

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Speaker 2: So it's like when you just add things to your

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Speaker 2: wishless not to your cart, or when you make a

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Speaker 2: pinterest board and it like swaps out and you still

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Speaker 2: get that like mm, but it's like window shopping, yeah,

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Speaker 2: one hundred percent. Yeah, Oh my god, that's so true

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Speaker 2: because you know what, there's We've said this before, but

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Speaker 2: there really is no better feeling than walking away from

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Speaker 2: a purchase and then a week later being like I'm

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Speaker 2: so glad. I didn't buy it the best, And there's

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Speaker 2: nothing worse than when you do buy something and you

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Speaker 2: think about it and you're like, fuck, I really shouldn't

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Speaker 2: have bought that.

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Speaker 4: Yeah.

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Speaker 2: Yeah, And I think there are ways to treat yourself

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Speaker 2: that won't keep you broke, like splurging mindfully, like actually

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Speaker 2: being like I've wanted this for ages and I have

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Speaker 2: saved a little bit or been like I know that

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Speaker 2: I've wanted this isn't like a knee jerk reaction. Yeah,

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Speaker 2: And knowing those purchases, if it's something that's come to

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Speaker 2: you within twenty four hours and it's really backed by

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Speaker 2: an emotion or something like that, you know that it's

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Speaker 2: a bit of an impulse by I think also what

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Speaker 2: helps me is thinking about what the amount could alternatively buy.

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Speaker 2: So if it's like, you know, two hundred dollars, two

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Speaker 2: hundred dollars is my groceries for the week, yeah, versus

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Speaker 2: like this one thing, and like do I already own

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Speaker 2: something like it? Yeah?

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Speaker 3: Do I already have something that serves that same purpose exactly?

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Speaker 2: And then the ass The last but not least, would

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Speaker 2: be to think about the last clean out you had

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Speaker 2: to do. This is a experience think about the last

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Speaker 2: time and how long that like garbage bag of clothes

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Speaker 2: sat in the back of your car until you took

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Speaker 2: it to Vinnie's and had to listen to you belting

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Speaker 2: out bon Jovi for eight months before you finally took

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Speaker 2: it to Zavos. That was a bit niche actually, for

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Speaker 2: whatever choice whatever. But yeah, I think about like your

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Speaker 2: laundry and it's just more shit that you've got to

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Speaker 2: find somewhere to put it.

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Speaker 4: Yeah, I think it's always compling all the time.

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Speaker 3: Like as somebody who lives in a one bedroom, small apartment,

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Speaker 3: I'm like, realistically, where will I fit this?

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Speaker 4: Where I saw this?

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Speaker 2: Think about how hard it is to sell your clothes online.

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Speaker 3: You got to do the one in, one out. Yeah,

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Speaker 3: if I'm buying this, what like what will I have

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Speaker 3: to get rid of?

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Speaker 2: I think with this one is that you will be

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Speaker 2: broke forever. If you always seek validation from external sources,

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Speaker 2: you will spend thousands on the way that you look

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Speaker 2: and hundreds on the latest trend. But the moment you

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Speaker 2: find positivity and rest and validation in yourself and the

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Speaker 2: everyday life, you will not only enrich your life but

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Speaker 2: your bank account to put.

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Speaker 4: That I want that whole thing.

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Speaker 2: But yeah, I just think that's a really important thing

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Speaker 2: because it is so easy to seek validation and confidence

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Speaker 2: from external sources. And if you are constantly doing that

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Speaker 2: as a treat yourself and you don't learn how to

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Speaker 2: find things to lift your mood or make you feel

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Speaker 2: good or make you feel nice, and that's always from

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Speaker 2: something new that is exhausting.

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Speaker 3: Yeah, it's just a toxic cycle that will never work out.

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Speaker 2: Well, yeah, what's something that is a treat yourself? That

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Speaker 2: doesn't mean you buy something that you do sleep in

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Speaker 2: love that. Yeah, that is an amazing treat yourself. What

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Speaker 2: about you read my book?

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Speaker 4: Yeah?

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Speaker 2: So good. Yeah.

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Speaker 4: The both things that are just like entirely for yourself.

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Speaker 3: Yeah, which I love, and solo activities you don't have

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Speaker 3: to rely on anybody else.

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Speaker 2: On the other one is like a sunrise or a

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Speaker 2: sunset or an ocean swim. Our next habit that is

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Speaker 2: keeping you broke. It's the convenience tax versus the lazy tax.

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Speaker 1: Kick us off here, Sally Baddy, m hm.

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Speaker 3: So the lazy tax usually refers to the extra fees

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Speaker 3: or costs that you'll pay when you don't negotiate a

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Speaker 3: better deal, or compare your options, or do whatever little

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Speaker 3: bit of extra work it takes to get a better deal,

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Speaker 3: Whereas the convenience tax refers to the extra money that

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Speaker 3: you're willing to spend to save time or a headache

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Speaker 3: or get some extra convenience.

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Speaker 2: The convenience tax is worth it like the convenience to

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Speaker 2: a point. Yet, for example, my favorite example of the

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Speaker 2: convenience tax is and this is probably part of growing up,

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Speaker 2: because when I was twenty, this would look like a

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Speaker 2: different situation. Right, Yeah, but the convenience tax is looking

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Speaker 2: at flights, right, and there's a six am flight which

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Speaker 2: is one hundred dollars cheaper than the ten am flight,

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Speaker 2: or let's even say the five pm flight. Right, the

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Speaker 2: five pm flight costs one hundred dollars more than the

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Speaker 2: six am flight. And in that moment, I'm like, I

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Speaker 2: don't want to pay one hundred dollars more. Yeah, Like,

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Speaker 2: I'll just you know what, I'll just it's one morning,

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Speaker 2: I'll get up early. It'll be fine that morning. Then

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Speaker 2: comes it's the night before. I haven't packed because.

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Speaker 4: Don't be picked in.

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Speaker 2: Hello, my nails need to be done because I've left

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Speaker 2: that to the last minute.

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Speaker 4: And my fake ten is Joe, I need to wash

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Speaker 4: my hair.

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Speaker 2: Yeah, I would pay one hundred dollars to be on

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Speaker 2: the five PM flight, like I in that moment, I'm like,

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Speaker 2: I would, I would pay a hundred dollars to get

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Speaker 2: out of this, you know, and that's you know what,

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Speaker 2: one hundred dollars, that's the absolute, absolute max. I would

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Speaker 2: probably be like fifty dollars. Yeah, a little bit more,

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Speaker 2: you know. But that's why now I'm like, I know

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Speaker 2: in that moment that spending this little bit more of

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Speaker 2: money is going to make me so much more happy,

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Speaker 2: because then when you're like, maybe i'll change my flight time,

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Speaker 2: it's going to be five billion dollars.

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Speaker 4: Yeah, exactly.

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Speaker 3: I think that's the thing though, like with the lazy

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Speaker 3: tax and the convenience these two things are very similar,

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Speaker 3: so the lines can be a little bit blurry. But

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Speaker 3: also with the convenience tax especially, it really comes down

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Speaker 3: to your values and what you value with your time

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Speaker 3: and your money. So for somebody who's like an early

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Speaker 3: riser and really organized and blah blah, they're gonna be like,

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Speaker 3: of course, I'm going to save one hundred dollars and

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Speaker 3: get on that red Eye fly. It really depends on

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Speaker 3: what your values are, and I think that's okay, it's

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Speaker 3: recognizing Okay, do I.

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Speaker 4: Really is this really in line with my values? Or

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Speaker 4: am I being lazy?

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Speaker 2: And you know what's rogue is like my other convenience

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Speaker 2: tax that I actually think is just the lazy tax, right,

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Speaker 2: is spending nine dollars or ten dollars on shipping when

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Speaker 2: you can do click and collect for free. I will

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Speaker 2: do click and collect any day of the week for free,

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Speaker 2: because I'm like, if the shop is already at my

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Speaker 2: Westfield or at my I'm they're basically every day getting

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Speaker 2: the train or like going and getting groceries or something

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Speaker 2: like that that I'm like, yeah, I'll save ten dollars,

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Speaker 2: but I will pay fifty dollars more so I don't

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Speaker 2: have to wake up at four am to get on

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Speaker 2: that flight. And that's my convenience. Yeah.

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Speaker 3: Whereas one for me is grocery delivery or meal prep services.

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Speaker 3: Knowing that with especially during busy periods, to me is

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Speaker 3: usually when I.

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Speaker 2: Will use these types of services because.

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Speaker 3: I know that in the past I won't make time

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Speaker 3: to do the groceries or I won't make time to

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Speaker 3: plan ahead and you know, meal prep all my food,

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Speaker 3: and then it gets to Wednesday night and I'm like, oh,

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Speaker 3: well I have to.

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Speaker 4: Get good breeds.

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Speaker 2: Yeah.

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Speaker 3: So for me during those times, I'm like, Okay, But

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Speaker 3: the convenience of having either the groceries delivered to me

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Speaker 3: or you know, having chef good or whatever it is

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Speaker 3: delivered to me, that's perfect for this particular time in

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Speaker 3: my life.

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Speaker 2: Yeah. I love that because as well, you're in the

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Speaker 2: long run, yeah, maybe getting that delivered or like splurging

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Speaker 2: on the meals is maybe more expensive than it would

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Speaker 2: be for you to go and buy it and cook

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Speaker 2: it yourself. You're gonna end up saving more because when

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Speaker 2: you're not wasting money on groceries, you don't end up cooking. E. Two,

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Speaker 2: you don't spend money on like a forty dollars pasta

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Speaker 2: that takes five years to get to you and it's

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Speaker 2: cold and part of its squished exactly and they take

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Speaker 2: a bite out of my guy and you didn't have

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Speaker 2: to fight with the customer service to give you your

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Speaker 2: face anyway. Yeah.

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Speaker 4: So that's one.

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Speaker 3: And then another one for me now that I think

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Speaker 3: has changed since I was younger, would be paying for removalists.

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Speaker 2: Oh, yeah, do you know what. I don't know.

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Speaker 4: We'll see. But for me personally, I think I don't

352
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Speaker 4: want to move my mattress. I want someone else.

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Speaker 2: I think. I am like, I will do as much

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Speaker 2: as I possibly can, and then I will pay for

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Speaker 2: removalists so that I get like the cheapest possible price.

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Speaker 2: Same but I'm like, I will get to the reject shop,

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Speaker 2: I will get my bins, and I will do as

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Speaker 2: much as I possibly can, and then I will for

359
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Speaker 2: removalists to do like I paid for removalists in my

360
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Speaker 2: last one, but that's because we had furniture that I

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Speaker 2: was like, I actually physically can't move.

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Speaker 4: This, That's what I mean.

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Speaker 5: Whereas before I was like, not like, we're hiring a truck,

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Speaker 5: like you're doing the whole thing, and I'm like, mmm, nah, yeah,

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Speaker 5: I'll hire a professional who like knows how to properly

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Speaker 5: pick up a couch without breaking their.

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Speaker 4: Back, you know.

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Speaker 2: And you know what a lazy tax that I've grown

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Speaker 2: out of is getting ubers versus getting public transport. I

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Speaker 2: love public transport now. I find it so much more

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Speaker 2: enjoyable than getting in the back of a car. The

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Speaker 2: train is fun. The train is a vibe. It's like

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Speaker 2: main character energy read my book without getting sick.

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Speaker 4: I agree.

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Speaker 3: I've been trying to do the same as well, because

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Speaker 3: like I don't currently have a car, so usually I

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Speaker 3: do a lot of public transport or ubers. But I've

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Speaker 3: been weighing up the convenience versus the lazy tax with that,

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Speaker 3: so when it's it's also quicker. Yeah. So for example,

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Speaker 3: last night, we went for dinner and it was late

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Speaker 3: at night and we were going back home. I was

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Speaker 3: going back home with our friend Jem and she lives

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Speaker 3: near me, so I was like, well, we can split

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Speaker 3: an uber that way and go together and then I

385
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Speaker 3: don't have to get you know, a train home alone

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Speaker 3: late at night, whereas you know, early in the morning,

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Speaker 3: I might have been like, I'll get like an uber

388
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Speaker 3: to this work event, and then I'm like, no, I'll

389
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Speaker 3: just get the train and walk and just prepare a

390
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Speaker 3: little bit more in advance.

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Speaker 4: I've got the time to do that.

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Speaker 3: You get your steps in save money, and you just

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Speaker 3: feel like God's gift.

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Speaker 2: Yeah exactly. But I'm so curious. I want to know,

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Speaker 2: like what's your convenience tax. As the chicks let us

396
00:19:37,160 --> 00:19:39,800
Speaker 2: know in the comments, I really really want to know,

397
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Speaker 2: because I reckon I'm going to relate to all of them.

398
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Speaker 2: You'll be like, oh my god, that's that is so me.

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Speaker 2: Oh all right. And last, but not lease hit me

400
00:19:50,920 --> 00:19:53,800
Speaker 2: with it, sou The third habit that is keeping you.

401
00:19:53,760 --> 00:19:57,840
Speaker 3: Broke lifestyle creep, calling.

402
00:19:57,520 --> 00:20:04,439
Speaker 2: You that lifestyle creep word creep, that's insight. I really

403
00:20:04,480 --> 00:20:05,760
Speaker 2: want us to bring that back.

404
00:20:06,520 --> 00:20:07,200
Speaker 4: Tacky creep.

405
00:20:07,280 --> 00:20:11,560
Speaker 2: Oho'ld be such a cheap tacky creep? That smells.

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Speaker 5: So.

407
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Speaker 3: Lifestyle creep refers to when your income or financial capacity increases,

408
00:20:20,560 --> 00:20:25,880
Speaker 3: but so does you're spending. Because even if you're earning

409
00:20:25,920 --> 00:20:29,800
Speaker 3: more money, that doesn't mean that you become better with

410
00:20:29,960 --> 00:20:33,520
Speaker 3: your money unfortunately. Like there's that saying that if you

411
00:20:33,560 --> 00:20:35,480
Speaker 3: don't know how to manage ten dollars, you don't know

412
00:20:35,520 --> 00:20:38,520
Speaker 3: how to manage ten thousand dollars. And that's basically what

413
00:20:38,640 --> 00:20:42,159
Speaker 3: lifestyle creep refers to. So if you think back to

414
00:20:42,359 --> 00:20:45,880
Speaker 3: when you were a teenager or your early twenties, or

415
00:20:46,080 --> 00:20:47,720
Speaker 3: perhaps just a time in your life when you were

416
00:20:47,760 --> 00:20:50,719
Speaker 3: earning less money in comparison to a time in your

417
00:20:50,720 --> 00:20:53,160
Speaker 3: life when you were earning more money, and the things

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00:20:53,160 --> 00:20:56,240
Speaker 3: that you thought that you could afford back then, and

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00:20:56,280 --> 00:20:58,280
Speaker 3: the things that you were willing and not willing to

420
00:20:58,280 --> 00:21:01,720
Speaker 3: spend your money on back then garrison to now, or

421
00:21:01,720 --> 00:21:03,440
Speaker 3: when you've been at a point in your life when

422
00:21:03,440 --> 00:21:06,480
Speaker 3: you had more money. So for example, when you're a teenager,

423
00:21:06,560 --> 00:21:09,280
Speaker 3: you might have spent all your money on public transport,

424
00:21:09,440 --> 00:21:12,159
Speaker 3: and then now as you've gotten older.

425
00:21:12,240 --> 00:21:15,640
Speaker 4: You've bought a car, or you'll use ubers.

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Speaker 3: For everything, and you're like, oh, well, like, no, I'm

427
00:21:18,240 --> 00:21:21,159
Speaker 3: not going to get the train just to save money,

428
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Speaker 3: Like I can afford to get an uber, or I

429
00:21:24,400 --> 00:21:28,080
Speaker 3: can afford to pay for petrol, and you don't really

430
00:21:28,200 --> 00:21:32,359
Speaker 3: think of the things that you could be saving money on.

431
00:21:33,000 --> 00:21:34,720
Speaker 3: Instead you're like, oh, but I can afford it, so

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Speaker 3: of course I'm going to spend the money on it.

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Speaker 2: I think, like another girlly pop example of this would

434
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Speaker 2: be how like when you're maybe eighteen or seventeen and

435
00:21:44,680 --> 00:21:47,040
Speaker 2: you shop at Princess Polly, but then when you're like

436
00:21:47,080 --> 00:21:49,000
Speaker 2: twenty five and have a full time job, you start

437
00:21:49,040 --> 00:21:51,640
Speaker 2: shopping at like Dish and the Iconic or the other

438
00:21:51,640 --> 00:21:53,480
Speaker 2: one I was thinking of is like when I was

439
00:21:53,520 --> 00:21:57,520
Speaker 2: a teenager, how I would shop exclusively at like Price Line,

440
00:21:57,600 --> 00:22:00,640
Speaker 2: which I still shop there, but now I also sometimes

441
00:22:00,640 --> 00:22:04,720
Speaker 2: shop at the more bougie beauty stores like Sephorah Mecca.

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Speaker 3: Yeah, or like I was talking to our beautiful producer

443
00:22:07,720 --> 00:22:11,320
Speaker 3: Rush before the show and we were saying, how, you know,

444
00:22:11,880 --> 00:22:15,440
Speaker 3: previously we would have always bought home brand, and then

445
00:22:15,680 --> 00:22:18,920
Speaker 3: now we'll buy name brands at the supermarket. But when

446
00:22:18,920 --> 00:22:21,280
Speaker 3: you really think about it, the home brand stuff a

447
00:22:21,320 --> 00:22:23,880
Speaker 3: lot of the time is just as good, but we'd

448
00:22:23,880 --> 00:22:26,720
Speaker 3: buy the name brand because we can or organic.

449
00:22:27,240 --> 00:22:30,760
Speaker 2: Yeah, it's so interesting when you really peel back the

450
00:22:30,840 --> 00:22:34,879
Speaker 2: lifestyle creep you see all the things that were very

451
00:22:35,080 --> 00:22:38,760
Speaker 2: subconsciously creeping up. Because it's like when you get a

452
00:22:38,800 --> 00:22:40,800
Speaker 2: pay rise and let's say you're earning two hundred dollars

453
00:22:40,840 --> 00:22:43,960
Speaker 2: a week how often and have a think about whether

454
00:22:44,080 --> 00:22:47,960
Speaker 2: or not you started putting two hundred dollars a week

455
00:22:47,960 --> 00:22:48,680
Speaker 2: into savings.

456
00:22:48,920 --> 00:22:51,320
Speaker 4: Yeah, like what did you do with that extra two

457
00:22:51,400 --> 00:22:52,680
Speaker 4: hundred dollars? Where did that go?

458
00:22:53,320 --> 00:22:56,879
Speaker 3: And I think this is a reflection of our financial

459
00:22:57,240 --> 00:23:01,720
Speaker 3: literacy and the money habits that you've built over time.

460
00:23:02,560 --> 00:23:04,760
Speaker 3: And yeah, it's just a good reminder that just because

461
00:23:04,800 --> 00:23:07,200
Speaker 3: you earn more money doesn't mean that you automatically become

462
00:23:07,640 --> 00:23:10,040
Speaker 3: better with your money. And I think this doesn't mean

463
00:23:10,040 --> 00:23:12,959
Speaker 3: that you also can't treat yourself or you can't decide

464
00:23:12,960 --> 00:23:17,159
Speaker 3: to spend more money or for the more expensive option

465
00:23:18,200 --> 00:23:21,520
Speaker 3: when you have the ability to do so, when it

466
00:23:21,600 --> 00:23:22,280
Speaker 3: makes sense.

467
00:23:22,680 --> 00:23:22,960
Speaker 2: Yeah.

468
00:23:23,040 --> 00:23:25,200
Speaker 3: Instead, it means that you should be reflecting on your

469
00:23:25,200 --> 00:23:28,160
Speaker 3: spending habits and the things that you slowly but surely

470
00:23:28,200 --> 00:23:30,400
Speaker 3: have been spending more money on that maybe you don't

471
00:23:30,440 --> 00:23:33,120
Speaker 3: have to, yeah, and where you have been opting for

472
00:23:33,280 --> 00:23:38,919
Speaker 3: the more expensive option. Some common signs of lifestyle creep

473
00:23:39,000 --> 00:23:44,240
Speaker 3: include your savings remain stagnant despite you earning more money,

474
00:23:45,440 --> 00:23:49,240
Speaker 3: You're spending has increased overall in lots of different areas

475
00:23:49,240 --> 00:23:52,880
Speaker 3: of your life, and you aren't budgeting or you don't

476
00:23:52,880 --> 00:23:58,040
Speaker 3: have financial goals. But some tips to avoid lifestyle create,

477
00:23:58,680 --> 00:24:03,600
Speaker 3: create and stick to a budget. Prioritize saving over spending.

478
00:24:04,240 --> 00:24:07,880
Speaker 3: So this is different for everybody, but review your expenses

479
00:24:08,280 --> 00:24:11,040
Speaker 3: and look at where you can cut back all things

480
00:24:11,040 --> 00:24:15,280
Speaker 3: that you can save on, and then finally set financial goals.

481
00:24:15,320 --> 00:24:17,400
Speaker 2: This is going to be so important, yeah, and.

482
00:24:17,359 --> 00:24:19,439
Speaker 3: It's going to be different for everyone. It can be

483
00:24:19,520 --> 00:24:22,719
Speaker 3: big or small, but the tip is building the habit. Yeah,

484
00:24:22,760 --> 00:24:25,200
Speaker 3: and you can always build upon that, so it could

485
00:24:25,200 --> 00:24:27,040
Speaker 3: be by the end of the year, I want to

486
00:24:27,080 --> 00:24:31,320
Speaker 3: save X dollars or I want to get a pay

487
00:24:31,400 --> 00:24:35,399
Speaker 3: rise by this much, and when I get that pay rise,

488
00:24:35,560 --> 00:24:38,960
Speaker 3: I'm going to put away this much after my every

489
00:24:39,040 --> 00:24:42,919
Speaker 3: day and essential expenses slip slip.

490
00:24:43,000 --> 00:24:46,480
Speaker 2: Well, there's our three habits, and it's all process. It's

491
00:24:46,480 --> 00:24:49,080
Speaker 2: all literacy and financial literacy, and we.

492
00:24:49,119 --> 00:24:51,000
Speaker 4: Have it and it's never too late to get better

493
00:24:51,080 --> 00:24:51,600
Speaker 4: with your money.

494
00:24:51,800 --> 00:24:54,240
Speaker 2: Exactly. Well, that's a lovely note to finish on.

495
00:24:54,520 --> 00:24:55,359
Speaker 4: I know, howsome.

496
00:24:55,440 --> 00:25:00,399
Speaker 2: Put that on a Hallmark card, baby, put that put That's.

497
00:25:00,280 --> 00:25:07,480
Speaker 4: Your advice with thee Advise with the chicks. I am

498
00:25:07,520 --> 00:25:08,640
Speaker 4: in need of advice.

499
00:25:09,200 --> 00:25:12,080
Speaker 3: I am twenty four and recently booked a solo getaway

500
00:25:12,119 --> 00:25:14,800
Speaker 3: for a week. I have never been or even thought

501
00:25:14,840 --> 00:25:17,199
Speaker 3: of going on a trip by myself before, but the

502
00:25:17,240 --> 00:25:18,760
Speaker 3: opportunity came up and I.

503
00:25:18,720 --> 00:25:20,440
Speaker 4: Started to get really excited for it.

504
00:25:21,000 --> 00:25:22,720
Speaker 3: I thought it would be really good for my own

505
00:25:22,800 --> 00:25:27,720
Speaker 3: self growth and independence. My sister, who's twenty six, heard

506
00:25:27,760 --> 00:25:31,000
Speaker 3: I was going away, and long story short, invited herself

507
00:25:31,000 --> 00:25:34,359
Speaker 3: on this holiday. If I'm honest, she didn't really ask.

508
00:25:34,560 --> 00:25:36,840
Speaker 3: She just said, I'm going to come and started looking

509
00:25:36,920 --> 00:25:39,399
Speaker 3: into things to do. I mentioned that I was going

510
00:25:39,480 --> 00:25:41,159
Speaker 3: to go for a week and she could come for

511
00:25:41,200 --> 00:25:44,720
Speaker 3: a bit, so she booked five days. Jeez, we are

512
00:25:44,760 --> 00:25:48,400
Speaker 3: close but have very different personalities so weak in clash.

513
00:25:48,640 --> 00:25:51,359
Speaker 3: I began to get frustrated when she started talking about

514
00:25:51,359 --> 00:25:53,639
Speaker 3: what we were going to do, so I decided to

515
00:25:53,680 --> 00:25:56,560
Speaker 3: bring up that I originally booked it as an independent trip,

516
00:25:56,600 --> 00:26:00,680
Speaker 3: and she absolutely cracked it. She started crying and saying

517
00:26:00,680 --> 00:26:02,879
Speaker 3: that she's never been more hurt and that I should

518
00:26:02,880 --> 00:26:03,760
Speaker 3: want to go away with.

519
00:26:03,720 --> 00:26:04,520
Speaker 4: Her because I'm a.

520
00:26:06,040 --> 00:26:09,199
Speaker 3: We love a gentle guilt trip. After calling me a

521
00:26:09,240 --> 00:26:12,760
Speaker 3: few names, she's now not talking to me. I never

522
00:26:12,840 --> 00:26:14,719
Speaker 3: said I didn't want her to come, but I just

523
00:26:14,760 --> 00:26:18,680
Speaker 3: wanted to compromise and do something independently. Both my mum

524
00:26:18,720 --> 00:26:21,440
Speaker 3: and her have said that they can't understand why I would.

525
00:26:21,200 --> 00:26:22,440
Speaker 4: Want to go by myself.

526
00:26:22,480 --> 00:26:26,720
Speaker 3: Oh mom, please, and that it's not safe. They also

527
00:26:26,840 --> 00:26:30,640
Speaker 3: don't like that I'm setting rules boundaries by doing some

528
00:26:30,720 --> 00:26:35,440
Speaker 3: things together and not everything. I understand why she's hurt,

529
00:26:35,440 --> 00:26:37,800
Speaker 3: but am I really in the wrong. I can't help

530
00:26:37,840 --> 00:26:40,480
Speaker 3: but feel guilty, but I think this is surely an overreaction.

531
00:26:41,000 --> 00:26:43,320
Speaker 3: Please any advice would be great as a holiday is

532
00:26:43,359 --> 00:26:43,880
Speaker 3: in two.

533
00:26:43,720 --> 00:26:45,679
Speaker 4: Weeks and she's now saying she's not coming.

534
00:26:45,960 --> 00:26:48,920
Speaker 2: I'm sure you love your sister, and I'm sure your

535
00:26:48,920 --> 00:26:52,080
Speaker 2: sister is beautiful, and like you've said, you've got different personalities,

536
00:26:52,400 --> 00:26:56,120
Speaker 2: but so it sounds really like pushy and bullish and

537
00:26:56,240 --> 00:26:59,240
Speaker 2: like I'm coming and this is what we're gonna do

538
00:26:59,320 --> 00:27:02,119
Speaker 2: and blah blah blah. When you've done this as like

539
00:27:02,200 --> 00:27:05,119
Speaker 2: a self growth and independence thing and you've had someone

540
00:27:05,160 --> 00:27:07,919
Speaker 2: come in and completely like rip up that turf and

541
00:27:08,000 --> 00:27:09,639
Speaker 2: lay down their own manure.

542
00:27:10,640 --> 00:27:14,679
Speaker 3: Their own shit, yeah, I reckon you should try and

543
00:27:14,720 --> 00:27:18,280
Speaker 3: have a conversation with your sister and say, like, I'm

544
00:27:18,280 --> 00:27:20,920
Speaker 3: really sorry. I probably should have been a little bit

545
00:27:20,920 --> 00:27:24,560
Speaker 3: more firm or open from the offset, but I really

546
00:27:24,560 --> 00:27:27,240
Speaker 3: did want this to be an independent trip. But when

547
00:27:27,240 --> 00:27:29,720
Speaker 3: you started talking about it, I felt bad and I

548
00:27:29,760 --> 00:27:32,280
Speaker 3: didn't want to hurt your feelings, but I probably should

549
00:27:32,280 --> 00:27:35,280
Speaker 3: have put my foot down and said, actually, no, I

550
00:27:35,320 --> 00:27:38,359
Speaker 3: want this to be an independent trip and I really

551
00:27:38,400 --> 00:27:40,000
Speaker 3: need this. This is going to be a really great

552
00:27:40,040 --> 00:27:43,400
Speaker 3: opportunity for me to learn and grow more about myself.

553
00:27:43,800 --> 00:27:48,199
Speaker 3: And now it's become a point of frustration and contention

554
00:27:48,400 --> 00:27:51,440
Speaker 3: between us. So I think it's probably for the best

555
00:27:51,480 --> 00:27:53,840
Speaker 3: if I go alone and we can plan like a

556
00:27:53,880 --> 00:27:55,000
Speaker 3: sister trip together.

557
00:27:55,359 --> 00:27:56,600
Speaker 4: Doesn't mean that I don't love you.

558
00:27:56,840 --> 00:27:59,400
Speaker 2: I do think it's always good to like ask potentially,

559
00:28:00,440 --> 00:28:05,080
Speaker 2: like in terms of helping the relationship grow, Like I

560
00:28:05,160 --> 00:28:07,439
Speaker 2: see what you're saying, and I totally hear that you

561
00:28:07,480 --> 00:28:11,600
Speaker 2: know coming in with you know, warmth and empathy and

562
00:28:11,680 --> 00:28:15,040
Speaker 2: saying I do understand that you're upset and I'm sorry

563
00:28:15,480 --> 00:28:17,600
Speaker 2: for that and the role that I played in that.

564
00:28:18,480 --> 00:28:21,280
Speaker 2: I also think it's good to ask your sister if

565
00:28:21,280 --> 00:28:24,040
Speaker 2: there's any way that she felt like she could have

566
00:28:24,119 --> 00:28:28,000
Speaker 2: handled that situation differently so that this doesn't happen again

567
00:28:28,000 --> 00:28:29,919
Speaker 2: in the future, Because this also needs to be an

568
00:28:29,920 --> 00:28:33,600
Speaker 2: opportunity of growth for her sister, because like we said,

569
00:28:33,640 --> 00:28:36,720
Speaker 2: like that's just not okay, and so like, leave that

570
00:28:36,800 --> 00:28:39,000
Speaker 2: with her. It might not happen in the moment, but

571
00:28:39,160 --> 00:28:42,160
Speaker 2: leave that question with her, even if she just does

572
00:28:42,160 --> 00:28:44,320
Speaker 2: a bit of self reflecting. You might not hear back

573
00:28:44,560 --> 00:28:50,120
Speaker 2: from that question, but it will help her have a

574
00:28:50,160 --> 00:28:52,800
Speaker 2: bit of self reflection. Her ego might not allow her

575
00:28:52,840 --> 00:28:55,640
Speaker 2: to voice that, which I don't think a lot of

576
00:28:55,640 --> 00:28:58,960
Speaker 2: people have the skill to do. You've said in the

577
00:28:59,000 --> 00:29:01,960
Speaker 2: final part, am I really in the wrong? And I

578
00:29:02,160 --> 00:29:05,600
Speaker 2: just want to finish this part with saying no, you're not.

579
00:29:05,920 --> 00:29:08,880
Speaker 2: Like you've done nothing wrong. You said you wanted to

580
00:29:08,880 --> 00:29:12,520
Speaker 2: take this trip independently for your own self growth. Someone

581
00:29:12,560 --> 00:29:15,719
Speaker 2: came in, invited themselves for five out of seven days

582
00:29:16,160 --> 00:29:19,840
Speaker 2: and then started planning in itinerary. You haven't done anything

583
00:29:19,840 --> 00:29:22,760
Speaker 2: wrong by setting boundaries and keeping to what you originally wanted.

584
00:29:22,960 --> 00:29:25,000
Speaker 2: And if anything, it's going to be better for your

585
00:29:25,040 --> 00:29:28,120
Speaker 2: relationship with your sister because you won't start resenting her

586
00:29:28,480 --> 00:29:30,760
Speaker 2: for taking over your holiday of what you wanted it

587
00:29:30,800 --> 00:29:31,000
Speaker 2: to be.

588
00:29:31,800 --> 00:29:34,240
Speaker 4: Go on your holiday solo and enjoy your holiday.

589
00:29:34,760 --> 00:29:39,760
Speaker 2: Well, that is a wrap for this week's episode. Thank

590
00:29:39,760 --> 00:29:40,800
Speaker 2: you so much for having.

591
00:29:40,640 --> 00:29:41,720
Speaker 1: Us in your ear hole.

592
00:29:42,400 --> 00:29:44,440
Speaker 2: We live to be here. It feels good to be back,

593
00:29:44,520 --> 00:29:47,080
Speaker 2: feels good to be back in these holes. It does

594
00:29:47,320 --> 00:29:49,680
Speaker 2: in these holes. If I'm in your holes right now,

595
00:29:50,400 --> 00:29:54,040
Speaker 2: I just want you to know I love to be Okay,

596
00:29:54,200 --> 00:29:55,960
Speaker 2: I love it here anyway.

597
00:29:56,120 --> 00:29:58,440
Speaker 4: Thanks for making this episode.

598
00:29:58,480 --> 00:30:05,560
Speaker 3: Two broke cheeks, Happy love it lend me good bye,

599
00:30:03,800 --> 00:30:07,040
Speaker 3: said