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Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations

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Speaker 1: woman and I'm here to acknowledge country t Glenn Young Ganya, Niana,

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Speaker 1: Kaka yah Ya bin Ahaka Nian Our gay In Nimbina,

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Speaker 1: yakarum Jar, Dominyama, Domaga, Ithawakaman, damon Imlan Bumba, bang Gadabomba

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Speaker 1: in and now in wakah Ghana on yak rum Jar

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Speaker 1: water Nadaa. Hello, beautiful friends, we gather on the lands

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Speaker 1: of the Aboriginal people. We thank, acknowledge and respect the

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Speaker 1: Abiginal people's land that we're gathering on today. Take pleasure

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Speaker 1: in all the land and respect all that you see.

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Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections,

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Speaker 1: bringing you the tools, knowledge and resources for you to thrive.

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Speaker 2: She's on the Money. She's on the Money. Hello and

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Speaker 2: welcome to She's on the Money the podcast. It's all

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Speaker 2: about building better money, habits and outsmarting your impulse buyers

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Speaker 2: before they outsmart you. I'm beck side and with Me

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Speaker 2: is our favorite for my financial advisor with a background

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Speaker 2: in psychology, which basically makes her your personal finance voice

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Speaker 2: of reason. Victoria divide. Oh, thank you personal finance voice

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Speaker 2: of reason? Like God, you can't say that's probably not

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Speaker 2: what I would say, God, because I say often do

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Speaker 2: as I say, not as I do. So like, am

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Speaker 2: I actually your voice of reason?

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Speaker 3: Because like I could also talk you into spending money

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Speaker 3: and I'm actually really good at that.

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Speaker 2: Hey, that's okay, because I think that it's it's the advice.

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Speaker 2: Like we often don't take our own advice, but the

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Speaker 2: advice that you give is I do try to take

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Speaker 2: my own advice best practice. You know, Oh, absolutely well, today, Beck,

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Speaker 2: we've decided to change things up a little bit.

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Speaker 3: If you've even spent five minutes on TikTok lately, try

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Speaker 3: five hours. You've probably seen the trend where people are

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Speaker 3: asking for the most unhinged hacks to fix literally anything.

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Speaker 3: They're like, oh my gosh, what's your most unhinged hack

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Speaker 3: to get over your eggs? Or I love what's your

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Speaker 3: most unhinged hack for like hacking productivity or sleep?

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Speaker 2: You name it, there's a video for it.

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Speaker 3: Or someone in our shees on the Money Facebook group,

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Speaker 3: Beck asked for the most unhinged ways to stop yourself

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Speaker 3: from dopamine spending.

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Speaker 2: Our community did not disappoint What a good idea?

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Speaker 3: They didn't disappoint so much that we've made it a

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Speaker 3: whole episode and we thought, what a good idea?

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Speaker 2: How fun is that? Because let's be real, sometimes traditional

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Speaker 2: money of us it doesn't cut it. No, I can

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Speaker 2: see you down and be like, okay, cool. So this

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Speaker 2: is how you write a statement of advice, and you

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Speaker 2: guys are already glazed doper. Sometimes a budget is just

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Speaker 2: not enough. You need to physically put your credit card

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Speaker 2: in a bowl of water and put it in the

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Speaker 2: freezer and then walk away.

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Speaker 4: Yeah.

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Speaker 2: Like, sometimes you just got to do what you got

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Speaker 2: to do, or take it out for it freezes over. Yeah,

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Speaker 2: I know, but we'll try. We'll try. We're going to

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Speaker 2: try anything. So today you and I sharing a bunch

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Speaker 2: of the best and most unhinged tax some from that

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Speaker 2: Facebook group and some which are arguably even more unhinged

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Speaker 2: that we've gone and dug up on TikTok yay, do

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Speaker 2: you have any unhinged tax back? Well, as you know,

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Speaker 2: I'm not very good with money, but I think that

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Speaker 2: the probably the most. Like it's not unhinged, but like I,

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Speaker 2: if anything's in cash, then I can forget that it exists,

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Speaker 2: So it's not any interest, it's not anything. But I've

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Speaker 2: done some weird things with cash, like I'll send money

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Speaker 2: to random places. I think I've sent money to my

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Speaker 2: best friend. Well, I can't be trusted. I can't be trusted.

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Speaker 2: I'll send money to my friends, and like you know,

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Speaker 2: obviously depends on the relationship you have with your friends

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Speaker 2: if you trust them. But send money to your friends,

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Speaker 2: send many to your parents, whoever you trust the most,

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Speaker 2: and just be like, do not let me touch this.

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Speaker 2: But my most unhinged and I was explained to my

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Speaker 2: girlfriend the other day, was that, so we're going to

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Speaker 2: go to Thailand. I'm exciting, but I said, I physically

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Speaker 2: cannot save for it. If I get to a point

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Speaker 2: where I've saved X amount of money to go on

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Speaker 2: a trip, I'm like, well, there goes my life savings

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Speaker 2: and I could be putting that towarterhouse. So instead what

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Speaker 2: I do is I as I shouldn't say this, I

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Speaker 2: paid you. No, No, you can say it. This is

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Speaker 2: a safe space. Have I ever actually judged you for

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Speaker 2: making a money decision? Exactually that's probably not your best moment,

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Speaker 2: but like also been there, done that, totally. Well, for example,

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Speaker 2: I've after paid the hotel already, so I'm like, you

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Speaker 2: can just pay it off, pay it off slowly. I

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Speaker 2: did not save for it. I didn't budget for it.

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Speaker 2: I just after paid a hotel and now I literally

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Speaker 2: and it's non refundable because the way a fundable thing,

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Speaker 2: I have to I have to it just anxiety, I know, same,

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Speaker 2: but I have to. So after pay the hotel, I've

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Speaker 2: only paid like two hundred bucks of it, and then

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Speaker 2: the rest I must do, like I actually have to others,

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Speaker 2: I'm screwed. So I just don't say for anything and

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Speaker 2: I just wing it. That's my unined.

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Speaker 4: Oh.

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Speaker 2: I feel like that's terrifying to me because I'm just

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Speaker 2: so like taype Ai.

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Speaker 3: Actually that's a lie, because you know, I spend a

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Speaker 3: lot of time on TikTok. There's apparently type A people

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Speaker 3: really super organized. Then there's type B people who I

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Speaker 3: would say, you're type B, I see, which is good.

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Speaker 2: We are a little bit more.

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Speaker 3: Rogue, kind of don't worry about structure or planning. Like

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Speaker 3: if you came to my house, there's like everything in

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Speaker 3: a little tub in a fridge organized like you'd be

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Speaker 3: like absolutely not Victoria. But then there's Type C, and

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Speaker 3: I have recently learned that that is me, And it's

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Speaker 3: a mix of Type A and Type B. So you

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Speaker 3: want to be really organized, but you often are a

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Speaker 3: little bit too doululu to actually commit to that. So

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Speaker 3: like sometimes you're like so planned, so organized, but then

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Speaker 3: on the flip side, you're also like yollow.

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Speaker 2: And then you just can't be trusted. So I'm a

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Speaker 2: Type C friend. I believe that.

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Speaker 3: Yeah, like we want to be organized, we want to

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Speaker 3: like things must be nice, we like the organized fridge vibes,

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Speaker 3: but then also we're just yollowing all the way home.

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Speaker 2: So you just can't win absolutely well on that note, yes,

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Speaker 2: considering that was a bad hack.

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Speaker 3: For not like, we didn't say that these hacks are

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Speaker 3: going to work for you, So we were just going

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Speaker 3: to share the hacks that we found, so read between

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Speaker 3: the lines there.

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Speaker 2: Yeah, you use that however you like exactly, no judgment.

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Speaker 2: I don't mind. Well what's my hack? Yeah, what's yours?

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Speaker 2: My hack is? It's not even a hack.

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Speaker 3: I think I'm so wildly passionate about getting people out

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Speaker 3: of debt and staying out of debt because I've been there,

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Speaker 3: I think my hack to staying out of debt was

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Speaker 3: being in debt, and that's a terrible hack and that

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Speaker 3: makes no sense. But I was talking to one of

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Speaker 3: my friends about it the other day and they was saying, Victoria,

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Speaker 3: like they're in a bit of credit card debt at

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Speaker 3: the moment, they're like, you told me, Like you told

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Speaker 3: me not to do this, Like I've listened to your podcast,

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Speaker 3: but like I just had to walk the walk and

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Speaker 3: realize how terrible that was, so that I'm never going

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Speaker 3: to go back there again.

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Speaker 2: Yeah. So, like my hack was getting a ridiculous amount

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Speaker 2: of debt so that you stress yourself and can't eat,

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Speaker 2: can't sleep, can't talk, can't breathe, and then all of

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Speaker 2: a sudden, you'll take money seriously, learn the hard way.

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Speaker 2: And I had to learn the hard way because I

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Speaker 2: just I can't be trusted.

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Speaker 3: Someone tells me, Victoria, this is how it works, and

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Speaker 3: I go, whatever, I'm better than that.

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Speaker 2: I can I know better than that. I think I

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Speaker 2: know better. I think I would know. I would not know.

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Speaker 2: It turns out I want to know what the first

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Speaker 2: So you have a listen list, I'm checking it twice.

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Speaker 2: You checking it twice, no, maybe not. I'll just read

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Speaker 2: them out once. Well, what's first on your list? All right,

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Speaker 2: so we're going to start with our beautiful Facebook group.

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Speaker 2: And oh my gosh, I love this one. It's from

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Speaker 2: Kelly Ann and she says, change your Facebook demographic age

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Speaker 2: to say that you're older and a man so that

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Speaker 2: you only get ads and products things like walking.

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Speaker 4: Frames and lazy boy chairs, because then you're not tempted

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Speaker 4: by like the dish sale or like Kukui or whatever,

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Speaker 4: because you just be target advertised things that actually make

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Speaker 4: no sense to you.

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Speaker 2: That is a great hack. But I would fear that

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Speaker 2: you'd fall for the walking frame. I would fall for

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Speaker 2: the I would be like, well, I got a lazy

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Speaker 2: boy in my house now, and also a walking frame

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Speaker 2: that I don't need. I reckon it's good.

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Speaker 3: A very good salesman could convince me to get a

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Speaker 3: lazy boy. Yeah, my nana has a lazy boy couch

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Speaker 3: and two lazy boy like rocking chairs and laity experience.

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Speaker 2: I don't even need a salesman. You've already sold me. Yeah,

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Speaker 2: you're welcome. You know this is really kind of unrelated

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Speaker 2: but related somehow. I will get to the point. But

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Speaker 2: that Black Mirror episode where you could choose your own adventure. Oh,

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Speaker 2: that kind of thing. I love Black Mirror, but like

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Speaker 2: Black Bear also, that season just like close to reality

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Speaker 2: for me. Absolutely, But it was like there was one

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Speaker 2: season where you could you had to pick your own

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Speaker 2: ending and middle of the show, and it's like, I

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Speaker 2: just want to know what I'm missing out on. So

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Speaker 2: I feel like with this hack, I would always be like,

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Speaker 2: there are probably new products popping up that are catered

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Speaker 2: to me, and my algorithm knows. Now just shopping for

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Speaker 2: my dad, I can't see it like, yeah, oh Dad,

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Speaker 2: you'd love this. Saw it on Facebook, ordered it immediately. Yeah,

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Speaker 2: and all of a sudden, you're still spending money if

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Speaker 2: you got one for us? Yeah, do you want to hear? Absolutely? Okay,

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Speaker 2: So I'm curious to try this anyway. So this one

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Speaker 2: comes from Amber. She says, wear an elastic hair tie

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Speaker 2: on your wrist, and every time you consider buying something,

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Speaker 2: ask yourself if it's a need or a want, and

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Speaker 2: if it's not a need, then snap your elastic band.

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Speaker 3: She says.

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Speaker 2: I don't know why, but it worked for me. Now

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Speaker 2: I stop and think before I purchase me. So you're

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Speaker 2: just hurting yourself every time you think of something. Yeah,

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Speaker 2: I guess it's like training. I feel like that's very nineties.

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Speaker 2: Do you remember back in it. I feel like zap

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Speaker 2: or something. Yeah. I feel like it's like a no

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Speaker 2: bark collar, like for a dog when they get a

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Speaker 2: little zing. Yeah. Yeah, yeah, yeah, totally those and those

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Speaker 2: like horrible electric fences, and it's like, oh, you'll know

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Speaker 2: not to go any of that again. It's like I that, actually,

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Speaker 2: well it's you know, obviously not that severe, but it's

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Speaker 2: like that could work. You could create this association with that. Yeah, obviously.

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Speaker 3: I'm on TikTok twenty four to seven, and I saw

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Speaker 3: that there was this farmer on TikTok saying that electric

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Speaker 3: fences are really expensive, so when they first get a

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Speaker 3: new horse, they put them in the paddock that has

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Speaker 3: the real electric fence, and no doubt, they'll run into

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Speaker 3: it once and learn that those fences are dangerous. Then

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Speaker 3: they use fake electric fences for the rest of their farm.

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Speaker 3: The horses are too scared of the.

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Speaker 2: Like white tape that they just stay away from it

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Speaker 2: and it's just a piece of string holding them in. Gosh,

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Speaker 2: it doesn't sit right with me. And I don't know why,

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Speaker 2: but I'm not a farmer, So if you're a farmer,

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Speaker 2: let me know. Guys, I get it. I feel like

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Speaker 2: an electric fence means that, like, you know, you could

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Speaker 2: do big barbed wire ones, but yeah, animal night get

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Speaker 2: like caught in their true bubbles probably, and an electric

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Speaker 2: fence isn't powerful enough to like she just little that. Yeah,

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Speaker 2: it's just like a little don't do that back. Oh okay,

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Speaker 2: that's maybe we need that. Yeah, yeah, yeah that's true.

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Speaker 2: So I like that one. Thank you. Amber create associations

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Speaker 2: and then you don't even have to think about not

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Speaker 2: any money.

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Speaker 3: Yeah, I know why it works, and there's actually some

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Speaker 3: science behind it, right, Okay, so it's not just like

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Speaker 3: us saying on electric fence vibes. Snapping an elastic band

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Speaker 3: it feels so mean, like that's the last thing I

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Speaker 3: want you to do to my wrist. Snapping an elastic

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Speaker 3: band on your wrist is a form of adverse stimulus.

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Speaker 3: So it actually creates a really tiny momentary disruption that

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Speaker 3: puts you in a lot of discomfort and it becomes

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Speaker 3: like an automatic behavior loop. So essentially, in this loop,

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Speaker 3: you see, you see something, you want it and then

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Speaker 3: you buy it. But we're breaking that loop.

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Speaker 2: And the technique is actually rooted in what's called classical conditioning.

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Speaker 3: So do you remember Pavlov's Dog where he rang the

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Speaker 3: bell and then gave the dog a treat. Yes, And

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Speaker 3: then over time he started ringing the bell and not

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Speaker 3: giving the dog a treat, but the dog would drool anyway,

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Speaker 3: because whenever it heard the bell it was like, hey.

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Speaker 2: Let's go getting a treat.

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Speaker 3: We're doing that but in a mean way to ourselves,

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Speaker 3: where neutral stimulus, which is essentially the urge to spend,

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Speaker 3: becomes associated with something that's not very nice. So every

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Speaker 3: time you're like, oh, urge to spend, you're like, oh,

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Speaker 3: that's gonna hurt.

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Speaker 2: Absolutely not. I don't want to do that. So you're

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Speaker 2: creating this negative association which might work for you, like

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Speaker 2: my mere thing. And then over time our brain links

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Speaker 2: literally the urge to shopping with discomfort, so you don't

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Speaker 2: want to do it anymore. Oh my god. I'm just

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Speaker 2: trying to think about what other things I could do

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Speaker 2: that with. Maybe vaping Thank you Amber, Yeah, maybe actually

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Speaker 2: that might work. Yeah, maybe that'll work. Every time I

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Speaker 2: would have I'll just like it's worth fit. I'm just

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Speaker 2: getting keep doing it. I'm gonna smoke to the games,

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Speaker 2: and I'm also gonna just keep doing this, So maybe

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Speaker 2: I'll just have two bad habits one of ye. But

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Speaker 2: it's like really popular behavioral therapists actually use similar techniques

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Speaker 2: to help people break habits like nail biting, like vaping,

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Speaker 2: like smoking, or even like negative self talk. So maybe

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Speaker 2: she's onto something. Yes, all right, My next one is

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Speaker 2: from Laura. She said, every time she feels like shopping,

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Speaker 2: she goes to her phone settings and then she turns

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Speaker 2: her display, like her phone display on grayscale, so she

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Speaker 2: can't see what color she wants to buy. Oh my god,

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Speaker 2: everything low key looks a bit ugly. Some of these

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Speaker 2: people have so much discipline, Like I would no, I

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Speaker 2: would just immediately turn it back to Cala and be

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Speaker 2: like this sucks. But my intention would be that, but

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Speaker 2: then I would not do that. And that's really impressive.

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Speaker 2: So good for you, Laura, that is that's very smart. Okay,

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Speaker 2: do you want to hear my one from Laura Different?

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Speaker 2: Laura Different, Laura good. Laura says, I curbed my shopping

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Speaker 2: addiction by going to a physical store and loading myself

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Speaker 2: up no trolleys, no baskets with anything and everything I wanted,

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Speaker 2: and then I'd walk around the entire store holding it

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Speaker 2: until the dopmein rush wore off, and then I'd dump

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Speaker 2: it all and leave. A craving generally lasts between five

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Speaker 2: to twenty minutes, so it wouldn't take long to get

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Speaker 2: sick of holding everything. Oh my god, I just can't

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Speaker 2: imagine doing that. I do. Actually, it would work. I

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Speaker 2: think would work because sometimes like I'll be in the

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Speaker 2: shop and I'm in such a good mood, and then

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Speaker 2: I'll pick up something and I'll be like, my girlfriend

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Speaker 2: would love this or my best friend with love this,

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Speaker 2: and I'll pick it up and walk around, and then

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Speaker 2: I'm in there for so long that by the end

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Speaker 2: I'm like, what is this for? Again? Brook am I

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Speaker 2: doing with these things? And then I just put them back.

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Speaker 2: I'm like, that's good, so silly, I'm not going to

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Speaker 2: buy these, that's good.

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Speaker 3: I'm just imagining me at the supermarket carrying around all

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Speaker 3: this stuff that I want, and then you know, the

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Speaker 3: longer I am in the supermarket, the hungry or I'm

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Speaker 3: getting some more I want it.

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Speaker 2: Oh my god. True. Well, maybe it's like more like

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Speaker 2: your sugary treats. I think I need to do that

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Speaker 2: for sugary treats. I can't start myself, so that is

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Speaker 2: not mad.

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Speaker 3: But I have a whole stash of sugary treats in

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Speaker 3: the car door of my car at the moment, and

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Speaker 3: I need someone to remove them because I'm basically just

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Speaker 3: eating peatrings every time I'm in the car eating what peatrings?

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Speaker 2: Like those jelly rings that taste like peaches and cream? Like, oh,

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Speaker 2: they're so good. Back, maybe I need a little elastic

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Speaker 2: band on my Just stop me. I put a featuring

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Speaker 2: around your rest. Yeah, then I eat it.

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Speaker 3: You've got another one, beck, And I wanted to share

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Speaker 3: this one because it actually made me really proud. Sarah said,

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Speaker 3: I cured my dopamine spending addiction by becoming addicted to

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Speaker 3: investing instead.

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Speaker 2: Yes, how good is that?

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Speaker 3: Microinvesting and fractional shares are a really great way to start?

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Speaker 3: So buying twenty dollars of shares here and there is

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Speaker 3: just apparently as good as going and buying crap that

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Speaker 3: she didn't need in the beginning. She would spend like

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Speaker 3: ten bucks a day and get the fixed and give

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Speaker 3: myself some time to learn all about it.

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Speaker 2: It's crazy how fast it adds up. And then the

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Speaker 2: money on top of it makes you not want to stop.

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Speaker 2: So she said, when I feel like getting uber eats,

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Speaker 2: which last twenty minutes and is arguably usually relatively disappointing,

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Speaker 2: I ask myself, would I be better off investing that money?

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Speaker 4: Yes?

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Speaker 2: Then she sends twenty or thirty bucks over buys shares,

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Speaker 2: makes toast at home. And if you're bored and looking

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Speaker 2: up something to buy it online, you may as well

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Speaker 2: be looking up shares. Oh my god, yeah, yeah, yeah,

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Speaker 2: And that's really just like gurgling stuff to buy. That's

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Speaker 2: so good. I think I might try that. That's so

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Speaker 2: true about the you breed seeing it's like you usually disappointing,

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Speaker 2: isn't it it is? And then you like honestly vegimion toast.

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Speaker 3: Is it's so good exactly, especially if you I don't

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Speaker 3: know how quick you do this, but like if you're

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Speaker 3: making toast, you have to stay in the kitchen. You

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Speaker 3: can't like walk off and then hear the toast pop

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Speaker 3: and then let it cool. Like the butter has to

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Speaker 3: go onto the toast immediately, because if the butter is

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Speaker 3: going onto the toast, and it's not melting as you're

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Speaker 3: putting it on. You're doing something wrong, I reckon. And

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Speaker 3: it has to be wonder why, yes, to be wonder

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Speaker 3: white or like that baker's bread.

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Speaker 4: You know.

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Speaker 2: Yeah, but none of this thick cut sour dough that

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Speaker 2: I need a steak, nor so painful sorry sour hurts.

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Speaker 2: Do you guys not have the roofs of your mouths

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Speaker 2: ripped up? You have no cheeks? You just like the pain.

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Speaker 2: It's sharp, it's pain. That is so genius. Anyway, she

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Speaker 2: says it's the best addiction she's ever had. Oh my god,

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Speaker 2: that's genius. It's a great addiction to have too, because

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Speaker 2: it's like you will You're making yourself rich pies of money.

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Speaker 2: That's so c Okay, I'm going to try that. Thank

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Speaker 2: you so much. This is so nice. I really like

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Speaker 2: this episode. I'm taking so many things away and I'm

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Speaker 2: hoping that I remember them by the end of week.

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Speaker 2: Do you know what, I've written these down all on

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Speaker 2: a piece of paper. You can take her home with it.

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Speaker 1: You are well.

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Speaker 2: I guess I could just listen to the epide so

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Speaker 2: did you know?

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Speaker 3: And I don't know if many people know this, but

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Speaker 3: if you are listening on Spotify, there is actually now

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Speaker 3: an automatic transcript, so if you go to the bottom

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Speaker 3: of the episode, you can actually see the text. And

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Speaker 3: for some people in our community, they've said it's actually

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Speaker 3: so helpful because they read along when we're talking about

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Speaker 3: more complex topics. So like, probably not today, but when

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Speaker 3: we're talking about, you know, compound interest or something that

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Speaker 3: maybe you're not fully comprehending yet, you can like read

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Speaker 3: along at the same time as we're talking to you,

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Speaker 3: and you might end up in a better learning position.

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Speaker 2: Oh my god, it's a great idea. Yeah. Also, thanks

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Speaker 2: Spotify for putting free transcripts on there, because that's really good.

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Speaker 2: That slaves, that's true, and I just want you guys

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Speaker 2: to know that sometimes the transcripts are not accurate, so

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Speaker 2: please if you if you she would stand far, is

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Speaker 2: that what you mean? I would never swear, would use

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Speaker 2: language something seems out of character. Just trust that it

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Speaker 2: actually is. It just it was far. I would never

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Speaker 2: insult Victoria. Yeah. No. So my next one comes from Jess,

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Speaker 2: who says, I've removed all Apple pay Slash cards from

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Speaker 2: my phone, so I have to put in my physical

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Speaker 2: card I've just memorized the numbers. Unlucky. The problem I

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Speaker 2: have too, that I have too well. She says that

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Speaker 2: she she shops and adds to card as normal, and

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Speaker 2: then when it comes to pay time, just to go

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Speaker 2: get a physical card. I'm not getting one, do that.

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Speaker 2: I fully understand that.

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Speaker 3: In fact, I got a new debit card recently because

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Speaker 3: mine expired and the numbers are different.

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Speaker 2: This is me from spending. Yeah, seriously, but this is

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Speaker 2: this is really spark. What she does is she leaves

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Speaker 2: the card in her locked car in the garage, which

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Speaker 2: is so much effort going down there. It's cold. Yeah,

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Speaker 2: And then she says, I usually get annoyed and this

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Speaker 2: distracts me enough to leave everything in my card. This

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Speaker 2: didn't work when I had my old card because I

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Speaker 2: knew my numbers off my heart, exactly as we're saying.

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Speaker 2: So she got a new card. She ordered a new

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Speaker 2: card with new numbers. Okay, so she's smart. So I

405
00:19:21,080 --> 00:19:23,680
Speaker 2: did that by accident, and it's working for me. But

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Speaker 2: do you know what I found the other day? I

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Speaker 2: went to buy something on a website at like eleven PM.

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Speaker 2: Should I be.

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Speaker 3: Shopping at that time? Absolutely not? No, absolutely not and

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Speaker 3: then it didn't have Apple Pay and I was like, oh,

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Speaker 3: I can't be bothered buying it. Then, Victoria Desne, you

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Speaker 3: did not need that? Then why will you even? How

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Speaker 3: did you get to check out?

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Speaker 1: Yeah?

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Speaker 2: That's so true. You are not doing what you said

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Speaker 2: you were going to do. I think it's a good

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Speaker 2: thing to think, because when we're like on autopilot, I'm like, oh,

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Speaker 2: this looks good, and then we just like, you know,

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Speaker 2: it's good to think.

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Speaker 3: And I'm so easily influenced, Like I wish I wasn't.

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Speaker 3: But if I see a girl in a cute top,

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Speaker 3: I'm like, I could wear that at work. Yeah, Victoria,

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Speaker 3: you have a top already.

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Speaker 2: You don't need many top Exactly how many small, minor

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Speaker 2: inconveniences would you get through to still buy this? And

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Speaker 2: if your answer is like maybe no, zero, you don't

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Speaker 2: need it. You don't need it. Yeah, But if it's

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Speaker 2: something I have to pay for, I'm like, Oh, that's

429
00:20:19,000 --> 00:20:21,320
Speaker 2: so annoying or right, I'll go get my card because

430
00:20:21,520 --> 00:20:23,920
Speaker 2: you have to it's a bill or whatever. Totally oh,

431
00:20:24,080 --> 00:20:26,359
Speaker 2: how annoying, but also so relatable.

432
00:20:26,720 --> 00:20:29,000
Speaker 3: Absolutely another thing I saw people saying when I was

433
00:20:29,040 --> 00:20:32,760
Speaker 3: researching this episode Beck is to use an incognito tab

434
00:20:32,840 --> 00:20:35,680
Speaker 3: or on your computer when you are shopping online, so

435
00:20:36,040 --> 00:20:39,240
Speaker 3: you can't save your logins, there's no auto, feel like

436
00:20:39,400 --> 00:20:42,800
Speaker 3: your details are not just there and filling in or

437
00:20:42,920 --> 00:20:44,720
Speaker 3: it means you won't stay signed into any of the

438
00:20:44,800 --> 00:20:45,720
Speaker 3: shopping platforms.

439
00:20:46,200 --> 00:20:50,840
Speaker 2: So like nothing is easy. So minor inconvenience yeah, makes

440
00:20:50,880 --> 00:20:54,480
Speaker 2: it even harder, and extra friction is just annoying enough

441
00:20:55,080 --> 00:20:56,640
Speaker 2: to make you give up and be like I can't

442
00:20:56,640 --> 00:20:58,480
Speaker 2: be bothered with this, Like I have to type in

443
00:20:58,640 --> 00:21:01,359
Speaker 2: everything instead of auto. I feel absolutely not. God, No,

444
00:21:01,440 --> 00:21:04,719
Speaker 2: I'm abandoning exactly. And Chelsea also had a really good reminder.

445
00:21:04,840 --> 00:21:06,639
Speaker 2: She said she signed up for the She's on the

446
00:21:06,720 --> 00:21:09,920
Speaker 2: Money thirty day reframe, which is a free thing we're

447
00:21:09,960 --> 00:21:12,680
Speaker 2: doing at the moment beck on our website, and she

448
00:21:12,960 --> 00:21:15,639
Speaker 2: loved the list of distraction techniques we put together and

449
00:21:15,760 --> 00:21:17,880
Speaker 2: said that there are some good ones there that act

450
00:21:18,000 --> 00:21:21,320
Speaker 2: for her as a circuit breaker. We recently, actually the

451
00:21:21,359 --> 00:21:22,920
Speaker 2: team and I got together and we were like, we

452
00:21:23,040 --> 00:21:25,560
Speaker 2: need like a no spend challenge, and then we're like, oh,

453
00:21:25,640 --> 00:21:27,560
Speaker 2: let's not do a no spend challenge, Let's do like

454
00:21:27,600 --> 00:21:30,440
Speaker 2: a reframe challenge because I feel like that carries better

455
00:21:30,640 --> 00:21:34,720
Speaker 2: into like changing behaviors. But we made the reframe challenge

456
00:21:34,720 --> 00:21:36,800
Speaker 2: because the whole team was we're all feeling a little

457
00:21:36,800 --> 00:21:38,959
Speaker 2: bit spend ye Beck, and we thought we could all

458
00:21:39,119 --> 00:21:42,159
Speaker 2: use a spending reframe. So if you want to sign up,

459
00:21:42,240 --> 00:21:44,280
Speaker 2: it's literally free. I'm going to put all the details

460
00:21:44,320 --> 00:21:46,480
Speaker 2: for you in the show notes and when you sign up,

461
00:21:46,600 --> 00:21:48,600
Speaker 2: you get a really i mean unbiased because we wrote it,

462
00:21:48,640 --> 00:21:51,119
Speaker 2: but it's a really great list of twenty things that

463
00:21:51,200 --> 00:21:53,639
Speaker 2: you can do when you get the urge to spend money, yes,

464
00:21:53,840 --> 00:21:55,199
Speaker 2: don't really want to, so that you.

465
00:21:55,240 --> 00:21:56,879
Speaker 3: Can distract yourself. And I feel like that was a

466
00:21:56,960 --> 00:21:59,680
Speaker 3: really good, like little challenge that we put together.

467
00:22:00,040 --> 00:22:01,679
Speaker 2: Community or I don't know if this is the thing too,

468
00:22:01,720 --> 00:22:05,200
Speaker 2: but if you go into incognito, then your phone, your

469
00:22:05,240 --> 00:22:09,760
Speaker 2: Instagram may not an appen, Yeah, and that would be

470
00:22:09,920 --> 00:22:13,080
Speaker 2: helpful because if you're like I really want a pair

471
00:22:13,160 --> 00:22:16,639
Speaker 2: of new pants and then all of a sudden, Instagram's

472
00:22:16,680 --> 00:22:18,919
Speaker 2: feeding you all these new pants because you.

473
00:22:18,960 --> 00:22:22,680
Speaker 3: Tied parents like I'm not even on Instagram, babe, I'm

474
00:22:22,680 --> 00:22:23,720
Speaker 3: on asos.

475
00:22:23,600 --> 00:22:25,760
Speaker 2: You know, absolutely. So that's the thing is that like

476
00:22:25,800 --> 00:22:27,679
Speaker 2: those extra little ads that you wouldn't get if you're

477
00:22:27,720 --> 00:22:31,320
Speaker 2: on incognito mode. Well, hopefully also curb spending in a

478
00:22:31,520 --> 00:22:32,120
Speaker 2: roundabout way.

479
00:22:32,400 --> 00:22:34,120
Speaker 3: I love it all right, Well, it's time for a break,

480
00:22:34,160 --> 00:22:35,800
Speaker 3: and when we get back, we're getting into.

481
00:22:35,600 --> 00:22:38,440
Speaker 2: The truly chaotic hacks that I have found on TikTok.

482
00:22:38,720 --> 00:22:41,000
Speaker 2: I would say they're they're Beck, just fair warning. They're

483
00:22:41,040 --> 00:22:45,880
Speaker 2: equal parts genius and also slightly concerning. So guys, don't

484
00:22:45,920 --> 00:22:48,480
Speaker 2: go anywhere and don't take any of this as official

485
00:22:48,520 --> 00:22:56,240
Speaker 2: financial advice. Welcome back everyone. Okay, we're hitting the part

486
00:22:56,320 --> 00:22:59,280
Speaker 2: that I'm most excited about. I want crazy, I want unhinge.

487
00:22:59,400 --> 00:23:01,720
Speaker 2: I want like, yeah, I don't want to freeze your

488
00:23:01,760 --> 00:23:05,240
Speaker 2: credit card. We've all heard that, you know, yes, But

489
00:23:05,320 --> 00:23:06,840
Speaker 2: also not to say that the other ones that we

490
00:23:06,920 --> 00:23:09,080
Speaker 2: read out weren't genius. I do apologize, but we are.

491
00:23:09,200 --> 00:23:13,960
Speaker 2: I want some unhinted crazy things exactly. And these hacks

492
00:23:14,040 --> 00:23:17,880
Speaker 2: they've come straight from TikTok, and honestly, Beck, I don't

493
00:23:17,960 --> 00:23:20,040
Speaker 2: hate them like I don't hate them.

494
00:23:20,119 --> 00:23:21,399
Speaker 3: I feel like a lot of us are going to

495
00:23:21,440 --> 00:23:24,640
Speaker 3: go MOhm interesting. I would never And then the background,

496
00:23:24,680 --> 00:23:27,560
Speaker 3: we're all just doing it. The first person said, I

497
00:23:27,640 --> 00:23:30,120
Speaker 3: treat my life like a cozy game. Sim I add

498
00:23:30,240 --> 00:23:33,040
Speaker 3: non essential items that I want to a prize list,

499
00:23:33,520 --> 00:23:35,560
Speaker 3: and then every time she does a chore, she earns

500
00:23:35,600 --> 00:23:38,840
Speaker 3: a point, and then she can exchange points to unlock

501
00:23:38,920 --> 00:23:40,160
Speaker 3: whatever prize she wants.

502
00:23:40,200 --> 00:23:44,920
Speaker 2: Oh my god, dammified her life. And I kind of

503
00:23:45,040 --> 00:23:45,280
Speaker 2: love that.

504
00:23:45,400 --> 00:23:47,000
Speaker 3: And for those of you who are playing along, a

505
00:23:47,080 --> 00:23:50,159
Speaker 3: cozy game is like a video game genre that I

506
00:23:50,200 --> 00:23:54,399
Speaker 3: would say is characterized by her focus on relaxation and

507
00:23:54,520 --> 00:23:58,879
Speaker 3: like non violence and slow and being casual. And some

508
00:23:59,080 --> 00:24:02,679
Speaker 3: cozy gamsing like caring for plants or characters or animals.

509
00:24:02,760 --> 00:24:05,320
Speaker 3: I don't know, you might have heard of, like animal crossing.

510
00:24:05,480 --> 00:24:07,880
Speaker 3: Oh yeah, yeah, yeah exactly.

511
00:24:08,000 --> 00:24:08,920
Speaker 4: I like that.

512
00:24:09,160 --> 00:24:11,920
Speaker 2: She's literally gammified her life. She's like, I'm a maker

513
00:24:12,000 --> 00:24:14,600
Speaker 2: prize list, and I earn points for doing my chores,

514
00:24:14,840 --> 00:24:17,119
Speaker 2: and when I get enough points, I can cash it

515
00:24:17,200 --> 00:24:20,959
Speaker 2: in at the ticket booth. Oh my god, that is genus.

516
00:24:21,280 --> 00:24:23,080
Speaker 3: I actually think that's really fun. I feel like it

517
00:24:23,160 --> 00:24:25,520
Speaker 3: might work for you. Yeah, you love a game, you

518
00:24:25,600 --> 00:24:27,600
Speaker 3: love a point, you are feeling like you're winning.

519
00:24:27,880 --> 00:24:29,960
Speaker 2: Absolutely, Oh my god, I'm going to start doing that

520
00:24:30,240 --> 00:24:32,000
Speaker 2: literally from this second onward.

521
00:24:32,280 --> 00:24:32,680
Speaker 4: I love it.

522
00:24:32,840 --> 00:24:35,960
Speaker 2: And right now you are an NPC. I don't want

523
00:24:36,000 --> 00:24:39,240
Speaker 2: to be an MPC. You're not. You're the main character.

524
00:24:39,480 --> 00:24:42,159
Speaker 3: Every morning. Side note, my husband and I go for

525
00:24:42,200 --> 00:24:43,920
Speaker 3: a walk, so we like take Carvey. We go to

526
00:24:44,000 --> 00:24:46,840
Speaker 3: our local cafe, and there is like three people that

527
00:24:47,000 --> 00:24:49,639
Speaker 3: we consistently see. We don't like talk to them or

528
00:24:49,680 --> 00:24:51,840
Speaker 3: anything because they're like on the other side of the road,

529
00:24:51,880 --> 00:24:54,560
Speaker 3: but they're always doing Like there's always this one woman

530
00:24:54,920 --> 00:24:57,200
Speaker 3: always in her front garden at about the same time

531
00:24:57,240 --> 00:25:00,480
Speaker 3: of day every morning, doing like weeding and stuff. Steve

532
00:25:00,520 --> 00:25:03,639
Speaker 3: will always look and be like, NPC is NPC today?

533
00:25:03,760 --> 00:25:06,360
Speaker 2: Yeah, NPC. For those of you playing.

534
00:25:06,119 --> 00:25:07,960
Speaker 3: Along at home who are like, what is Beck and

535
00:25:08,080 --> 00:25:11,480
Speaker 3: Victoria talking about? NPC is a non playable character. And

536
00:25:11,560 --> 00:25:13,119
Speaker 3: it's like when you're in a video game and you

537
00:25:13,160 --> 00:25:15,800
Speaker 3: see those characters that are just like set up to

538
00:25:15,960 --> 00:25:18,560
Speaker 3: do their thing but aren't actually a character that people

539
00:25:18,680 --> 00:25:21,600
Speaker 3: play anyway. So that happens to me like three times

540
00:25:21,720 --> 00:25:25,119
Speaker 3: every single morning, and there, I swear, just walks around

541
00:25:25,280 --> 00:25:25,680
Speaker 3: the block.

542
00:25:26,040 --> 00:25:30,240
Speaker 2: Yeah, consistently NPC. Yes, and you're convinced we are in

543
00:25:30,320 --> 00:25:33,200
Speaker 2: a simulation, Beck, Yeah, I agree. Your life is just

544
00:25:33,280 --> 00:25:36,040
Speaker 2: a game. Oh my god, that's so fun. I really

545
00:25:36,119 --> 00:25:38,920
Speaker 2: love that one. Okay, do you want to hear I'm ready,

546
00:25:39,080 --> 00:25:42,040
Speaker 2: I'm ready. This next one's pretty brutal, pretty brutal. So

547
00:25:42,320 --> 00:25:46,520
Speaker 2: coming from Beck, you know it's brutal. Exactly. This person says,

548
00:25:46,560 --> 00:25:48,760
Speaker 2: I made myself run for the amount of minutes I

549
00:25:48,880 --> 00:25:52,600
Speaker 2: spend in dollars. I'm never spending money again. No, yeah,

550
00:25:52,720 --> 00:25:56,320
Speaker 2: saying that is genius. So five dollar coffee, five minute run,

551
00:25:57,119 --> 00:26:00,200
Speaker 2: maybe fifty dollar dress, one hundred and fifty minute run. No,

552
00:26:00,400 --> 00:26:05,320
Speaker 2: absolutely not. Hinge, what are we doing marathons? Yeah? Actually

553
00:26:05,359 --> 00:26:08,600
Speaker 2: that would no, no, no, that's not a marathon. Half marathon,

554
00:26:08,640 --> 00:26:11,440
Speaker 2: one hundred and fifty minutes. I wish, Well, it depends

555
00:26:11,480 --> 00:26:13,320
Speaker 2: how faster, and I'm quite slow runner, that would be

556
00:26:13,400 --> 00:26:15,520
Speaker 2: like that would be like five kilometers for me. But

557
00:26:16,160 --> 00:26:20,479
Speaker 2: I think that is so smart. And then because if

558
00:26:20,520 --> 00:26:22,760
Speaker 2: you do, if you're like I literally have to spend

559
00:26:22,920 --> 00:26:24,800
Speaker 2: thirty dollars right now, it's like, well, there's you're not

560
00:26:24,880 --> 00:26:27,320
Speaker 2: going for a half an hour run. Absolutely not.

561
00:26:27,800 --> 00:26:30,040
Speaker 3: I used to run, Just to be clear, I used

562
00:26:30,040 --> 00:26:33,520
Speaker 3: to be a runner, and it was part of my personality. Beck, Like,

563
00:26:33,960 --> 00:26:38,040
Speaker 3: I fully ran marathons, Like I have two full medals

564
00:26:38,080 --> 00:26:40,239
Speaker 3: from running the Melbourne Marathon years run.

565
00:26:40,280 --> 00:26:41,320
Speaker 2: It's actually really incredible.

566
00:26:41,440 --> 00:26:43,280
Speaker 3: Yeah, but I did it because I wanted people to

567
00:26:43,359 --> 00:26:45,680
Speaker 3: think I was cool, not because I even enjoyed running.

568
00:26:45,760 --> 00:26:48,920
Speaker 2: And then like my whole body hurt, Like yeah, it's

569
00:26:49,040 --> 00:26:52,359
Speaker 2: not fun. No, and you know there are other ways

570
00:26:52,480 --> 00:26:57,240
Speaker 2: to sure two And Lulu, that's really cookie showing me

571
00:26:57,320 --> 00:27:01,480
Speaker 2: these photos. Yeah, absolutely running, Victoria, Absolutely, I can I

572
00:27:01,640 --> 00:27:05,240
Speaker 2: look like a watermelon? Like I am so red.

573
00:27:05,480 --> 00:27:07,720
Speaker 3: You know those people that like run and they look

574
00:27:07,720 --> 00:27:10,720
Speaker 3: beautiful running, not me, like I fully go to a

575
00:27:10,800 --> 00:27:12,120
Speaker 3: color that you go, are you all right?

576
00:27:12,840 --> 00:27:15,280
Speaker 2: Right? Fine? She needs to stop right now. Yeah, she's

577
00:27:15,720 --> 00:27:18,760
Speaker 2: she's going to die, all right. So Beck, I've got

578
00:27:18,800 --> 00:27:20,960
Speaker 2: another one, and this one I think sounds like a

579
00:27:21,040 --> 00:27:23,800
Speaker 2: little bit of fun, she says. My sister and I

580
00:27:24,040 --> 00:27:25,639
Speaker 2: are each other's accountants.

581
00:27:26,800 --> 00:27:28,399
Speaker 3: If we want to buy something, we have to make

582
00:27:28,440 --> 00:27:31,320
Speaker 3: an application in person for the item. It can be

583
00:27:31,400 --> 00:27:34,920
Speaker 3: approved or it can be denied based on the information given.

584
00:27:35,080 --> 00:27:37,960
Speaker 2: Oh my god, that is so much. And it's like, oh, Beck,

585
00:27:38,000 --> 00:27:39,480
Speaker 2: can you come over to my house tonight. I've got

586
00:27:39,560 --> 00:27:42,920
Speaker 2: to pitch you. Yes, yeah, oh my good. Can you

587
00:27:42,920 --> 00:27:44,880
Speaker 2: make an appointment and come over it? We should try

588
00:27:44,920 --> 00:27:46,600
Speaker 2: it next time you want to buy something for me,

589
00:27:46,800 --> 00:27:47,680
Speaker 2: and we'll discuss it.

590
00:27:47,800 --> 00:27:49,280
Speaker 3: Next time I want to buy something, I'm going to

591
00:27:49,320 --> 00:27:51,360
Speaker 3: be standing in calls and it'll be like, hey, Beck,

592
00:27:51,560 --> 00:27:54,320
Speaker 3: so pet tring's two for five again.

593
00:27:54,240 --> 00:27:56,840
Speaker 2: Should I do it? I'd be like five minute run, Victoria.

594
00:27:57,080 --> 00:27:59,320
Speaker 2: Absolutely not. I'm sorry. I was just asking for your

595
00:27:59,359 --> 00:28:01,200
Speaker 2: permission not to be sent on a run. I'm gonna

596
00:28:01,200 --> 00:28:03,400
Speaker 2: hang up on you and still buy the petreots. I'm

597
00:28:03,400 --> 00:28:06,120
Speaker 2: going to make a big mix of all of these

598
00:28:06,240 --> 00:28:08,600
Speaker 2: th so it's going to be a one minute per

599
00:28:08,720 --> 00:28:12,840
Speaker 2: one dollar. Yeah, but like also an application yourself with

600
00:28:12,920 --> 00:28:17,000
Speaker 2: your last year and also the unlocking the rewards. It's

601
00:28:17,000 --> 00:28:18,480
Speaker 2: gonna be big mix of it, and your phone is

602
00:28:18,560 --> 00:28:22,320
Speaker 2: going to be consistently in gray scale. Yeah, exactly, absolutely

603
00:28:22,440 --> 00:28:25,000
Speaker 2: not exactly. Oh yeah, I really like that. I really

604
00:28:25,080 --> 00:28:27,800
Speaker 2: like that, I think and yeah, you have to like

605
00:28:27,960 --> 00:28:30,399
Speaker 2: call and make appointments. What are you doing at four o'clock?

606
00:28:30,440 --> 00:28:33,399
Speaker 2: Four o'clock's good? You have to come with a whole thing, right,

607
00:28:33,520 --> 00:28:34,960
Speaker 2: I'm gonna have to pitch you. I'm gonna have to

608
00:28:35,000 --> 00:28:37,320
Speaker 2: make a PowerPoint presentation. Yeah, I will your name, day

609
00:28:37,320 --> 00:28:39,240
Speaker 2: of birth, all the things that you need. You're welcome,

610
00:28:39,280 --> 00:28:40,640
Speaker 2: and then you can go to the bank and then

611
00:28:40,680 --> 00:28:43,760
Speaker 2: apply for a loan in my name. Exactly. Yes, I

612
00:28:43,800 --> 00:28:46,320
Speaker 2: will need your drives last year. Yeah, yeah, no worries. Okay,

613
00:28:46,400 --> 00:28:49,440
Speaker 2: So this one feels pretty smart. This TikToker says every

614
00:28:49,480 --> 00:28:53,000
Speaker 2: so often they replace their bank cards and it cancels

615
00:28:53,080 --> 00:28:56,760
Speaker 2: all subscriptions, and then you have to actively resubscribe to

616
00:28:56,840 --> 00:28:57,120
Speaker 2: the ones.

617
00:28:57,200 --> 00:29:00,680
Speaker 3: I feel like that's a genius, because you do you

618
00:29:00,720 --> 00:29:03,520
Speaker 3: want to unsubscribe from Netflix, you'd be like, oh, no,

619
00:29:04,040 --> 00:29:06,400
Speaker 3: I've been watching this show on there. No, But like

620
00:29:06,640 --> 00:29:09,680
Speaker 3: if the subscription just lapsed and you get a pop

621
00:29:09,760 --> 00:29:12,360
Speaker 3: up that says, oh re enter your credit card details,

622
00:29:12,600 --> 00:29:15,480
Speaker 3: you just exy, You're like, nah, no, I don't even

623
00:29:15,520 --> 00:29:18,480
Speaker 3: want to watch it anyway, Yeah exactly. You need you

624
00:29:18,640 --> 00:29:20,960
Speaker 3: just like take it off yourself to begin with, not

625
00:29:21,160 --> 00:29:22,840
Speaker 3: have to actively go and unsubscribe.

626
00:29:23,000 --> 00:29:25,000
Speaker 2: Yeah that's pretty good. I do like that one. And

627
00:29:25,080 --> 00:29:27,239
Speaker 2: then as well, you have to like physically get your

628
00:29:27,280 --> 00:29:31,520
Speaker 2: card and a different numbers again because you just got

629
00:29:31,560 --> 00:29:33,160
Speaker 2: a new card and you can't remember them off the

630
00:29:33,240 --> 00:29:36,440
Speaker 2: top of your head. Torture a kind of low key genius.

631
00:29:36,560 --> 00:29:38,360
Speaker 2: I've got another one, and I kind of love this

632
00:29:39,040 --> 00:29:41,120
Speaker 2: she says, if I buy something on sale, I have

633
00:29:41,200 --> 00:29:43,200
Speaker 2: a rule that I have to transfer the rest of

634
00:29:43,320 --> 00:29:46,280
Speaker 2: the price into savings. And this got me out of

635
00:29:46,360 --> 00:29:49,120
Speaker 2: the mindset that I was saving money. When a sale

636
00:29:49,240 --> 00:29:53,000
Speaker 2: is on that's so good, I actually think that's so good.

637
00:29:53,080 --> 00:29:55,000
Speaker 2: So something is on sale for fifty dollars and it

638
00:29:55,080 --> 00:29:57,560
Speaker 2: was originally one hundred, Like, you can buy it for

639
00:29:57,600 --> 00:29:59,240
Speaker 2: fifty dollars if you think it's a good deal, but

640
00:29:59,320 --> 00:30:01,600
Speaker 2: you have to put fe a few bucks into savings. Yes,

641
00:30:01,960 --> 00:30:03,800
Speaker 2: and you're kind of like, ah, I don't have the

642
00:30:03,880 --> 00:30:06,280
Speaker 2: cash for that, call you can't afford it? Yeah, yeah, yeah,

643
00:30:06,920 --> 00:30:08,760
Speaker 2: do you want to go to the city. That's pretty

644
00:30:08,880 --> 00:30:12,240
Speaker 2: I really like you're making it like an adult, even

645
00:30:12,320 --> 00:30:15,040
Speaker 2: like I reckon even like tiny things. If you're like, oh, wow,

646
00:30:15,160 --> 00:30:17,360
Speaker 2: the milk is two for one today, then you could

647
00:30:17,440 --> 00:30:19,960
Speaker 2: definitely do that with like your grocery budget. Yeah, you

648
00:30:20,040 --> 00:30:22,360
Speaker 2: really don't budget for things that are on sale.

649
00:30:22,480 --> 00:30:25,120
Speaker 3: Go, okay, groceries this week can gonna be two hundred bucks.

650
00:30:25,280 --> 00:30:27,000
Speaker 3: And then if you spend one hundred and eighty bucks

651
00:30:27,080 --> 00:30:29,320
Speaker 3: or something, which honestly, let's be honest, saving twenty bucks

652
00:30:29,400 --> 00:30:31,320
Speaker 3: in your groceries each week unheard of, but like, let's

653
00:30:31,480 --> 00:30:34,880
Speaker 3: pretend you have to transfer that twenty dollars to savings

654
00:30:35,440 --> 00:30:37,400
Speaker 3: or get this, I'm trying to take it to the

655
00:30:37,480 --> 00:30:41,440
Speaker 3: next level. You transfer it to another fund, savings for Christmas.

656
00:30:41,640 --> 00:30:43,600
Speaker 3: Oh my god, because Christmas is coming.

657
00:30:43,680 --> 00:30:47,160
Speaker 2: I'm so sorry. Fuck, Christmas is not far. It's really

658
00:30:47,240 --> 00:30:49,440
Speaker 2: not far. I keep putting money in my Christmas fund

659
00:30:49,440 --> 00:30:51,480
Speaker 2: every month and taking immediately back out. So I was

660
00:30:51,480 --> 00:30:53,240
Speaker 2: about to say good girl, and then I was like, oh,

661
00:30:55,120 --> 00:30:56,800
Speaker 2: so that has never worked for me. I'm not a saver,

662
00:30:57,000 --> 00:31:00,480
Speaker 2: but I will change my habits one day. With this episode,

663
00:31:00,640 --> 00:31:02,920
Speaker 2: I think we could be honest something. I love it.

664
00:31:03,360 --> 00:31:06,160
Speaker 2: So another one is my ruler is that I can

665
00:31:06,240 --> 00:31:08,520
Speaker 2: only buy things on Sunday. I can add stuff to

666
00:31:08,600 --> 00:31:10,800
Speaker 2: cart all week, but on Sunday I see it all

667
00:31:10,920 --> 00:31:13,600
Speaker 2: as one big total. So it turns me off buying

668
00:31:13,640 --> 00:31:15,800
Speaker 2: it because I realize for me, I can't would work

669
00:31:15,880 --> 00:31:18,360
Speaker 2: for me that would work. And also you're giving yourself

670
00:31:18,400 --> 00:31:20,080
Speaker 2: time to think about if you really need something or

671
00:31:20,080 --> 00:31:24,200
Speaker 2: if it's impulsive and yeah, and then I think, yeah,

672
00:31:24,200 --> 00:31:26,200
Speaker 2: when you see some reason they go to the shops,

673
00:31:26,320 --> 00:31:29,040
Speaker 2: it like adds up quicker than you think it does.

674
00:31:29,160 --> 00:31:31,840
Speaker 2: And like I know that that's basic maths, but like

675
00:31:32,040 --> 00:31:34,640
Speaker 2: in my head it's not. And I've been doing this

676
00:31:34,720 --> 00:31:37,719
Speaker 2: a lot recently, not this actual concept, but I've been

677
00:31:37,800 --> 00:31:39,640
Speaker 2: adding a lot of things too. I have those like

678
00:31:39,800 --> 00:31:42,360
Speaker 2: I save things in instacram a lot. So back to

679
00:31:42,440 --> 00:31:45,080
Speaker 2: the top thing, it's because I'm wearing a new top deck.

680
00:31:45,280 --> 00:31:50,160
Speaker 2: Thanks for noticing, thank you. But I literally have just

681
00:31:50,240 --> 00:31:52,640
Speaker 2: been saving outfits because coming into winter, I feel like

682
00:31:52,680 --> 00:31:55,840
Speaker 2: it sparks something in your brain where you're like, oh,

683
00:31:55,960 --> 00:31:58,000
Speaker 2: coming into winter, I haven't worn jumpers in it ages,

684
00:31:58,040 --> 00:32:01,120
Speaker 2: maybe I need some new jumpers, saving lots of them.

685
00:32:01,360 --> 00:32:03,360
Speaker 2: And then I went onto this website the other day

686
00:32:03,400 --> 00:32:05,400
Speaker 2: to be like, oh, you know what, I'm going to

687
00:32:05,440 --> 00:32:07,120
Speaker 2: splurge you a little bit. I'm going to add these

688
00:32:07,200 --> 00:32:10,160
Speaker 2: three jumpers that I want to my cart. Sorry, what

689
00:32:10,240 --> 00:32:11,920
Speaker 2: do you mean that's seven hundred dollars?

690
00:32:12,160 --> 00:32:12,640
Speaker 1: Yeah, I know.

691
00:32:13,440 --> 00:32:14,880
Speaker 2: No, Actually, like in my.

692
00:32:14,920 --> 00:32:17,200
Speaker 3: Head I'm like, oh, I do want to buy a

693
00:32:17,280 --> 00:32:19,360
Speaker 3: good quality jumper, so like I'll save that one.

694
00:32:19,520 --> 00:32:21,800
Speaker 2: Oh, okay, I'll add them. No, we're not buying any

695
00:32:21,840 --> 00:32:23,720
Speaker 2: of them. So I just exited because I was like

696
00:32:23,800 --> 00:32:26,440
Speaker 2: seven hundred dollars in one time. No, no, and I

697
00:32:26,520 --> 00:32:28,720
Speaker 2: feel like the same thing happens when if I go

698
00:32:28,800 --> 00:32:30,640
Speaker 2: to the shops and I'm like, I've got to go

699
00:32:30,680 --> 00:32:32,600
Speaker 2: to Call's. They don't have everything I need. I'll go

700
00:32:32,640 --> 00:32:35,440
Speaker 2: to wars Aldi wherever. But if I'm spending like one

701
00:32:35,560 --> 00:32:37,920
Speaker 2: hundred dollars, it's this is for a big shop. By

702
00:32:37,920 --> 00:32:39,440
Speaker 2: the way, I do not have this kind of money,

703
00:32:39,600 --> 00:32:42,960
Speaker 2: but one hundred dollars in each store. But sometimes you

704
00:32:43,080 --> 00:32:45,080
Speaker 2: got it back. I'm not yeah, sometimes you got to,

705
00:32:45,240 --> 00:32:46,800
Speaker 2: but I'm not seeing it as three hundred dollars. I'm

706
00:32:46,800 --> 00:32:48,880
Speaker 2: saying like, oh okay, this one was fifty bucks. Oh okay,

707
00:32:48,920 --> 00:32:50,760
Speaker 2: this one was eighty dollars long. Just when you do

708
00:32:50,800 --> 00:32:53,560
Speaker 2: it all together, it's like, WHOA, do load yourself?

709
00:32:53,640 --> 00:32:53,840
Speaker 4: Don't?

710
00:32:53,960 --> 00:32:54,160
Speaker 1: Yeah.

711
00:32:54,680 --> 00:32:57,000
Speaker 2: I kind of like this idea of just being like,

712
00:32:57,040 --> 00:33:00,120
Speaker 2: all right, so on Sundays, I can buy anything. Just

713
00:33:00,200 --> 00:33:02,720
Speaker 2: can't shop during the week. But then it makes you

714
00:33:02,840 --> 00:33:04,880
Speaker 2: really reflect, yeah, and you're like, what do I really need?

715
00:33:04,920 --> 00:33:06,200
Speaker 2: All lose genius?

716
00:33:06,360 --> 00:33:06,760
Speaker 1: I like that.

717
00:33:06,920 --> 00:33:10,040
Speaker 3: Another person, beck, I washed this tear took and she said,

718
00:33:10,280 --> 00:33:12,760
Speaker 3: I play a game called if it's under I buy it,

719
00:33:14,120 --> 00:33:18,080
Speaker 3: So basically, before she checks the price tag, she guesses

720
00:33:18,120 --> 00:33:20,440
Speaker 3: what she thinks it could cost and then sets her

721
00:33:20,480 --> 00:33:22,600
Speaker 3: in spending limits. So she looks at the top and goes,

722
00:33:23,320 --> 00:33:25,920
Speaker 3: I'd spend fifty bucks on that, And then if the

723
00:33:26,000 --> 00:33:28,320
Speaker 3: actual price is higher than what she had decided she's

724
00:33:28,360 --> 00:33:31,160
Speaker 3: willing to pay, can't have it, automatic, no, But if

725
00:33:31,240 --> 00:33:32,800
Speaker 3: it is lower, she lets.

726
00:33:32,680 --> 00:33:33,320
Speaker 2: Herself have it.

727
00:33:33,640 --> 00:33:36,000
Speaker 3: And she says it turns impulse shopping into a little

728
00:33:36,040 --> 00:33:38,080
Speaker 3: bit of a like budget challenge, and she finds it

729
00:33:38,160 --> 00:33:41,880
Speaker 3: really addicting because it's like a game. So, yeah, guess

730
00:33:41,960 --> 00:33:42,960
Speaker 3: what that jumper is worth?

731
00:33:43,240 --> 00:33:43,440
Speaker 4: Yeah?

732
00:33:43,560 --> 00:33:45,880
Speaker 2: Yeah, yeah, it was one hundred dollars and then it's

733
00:33:45,880 --> 00:33:47,960
Speaker 2: one hundred and fifty and you're like absolutely not, can't

734
00:33:48,000 --> 00:33:50,400
Speaker 2: have it, sorry, by oh my god. And then you've

735
00:33:50,480 --> 00:33:52,320
Speaker 2: kind of got your head already how much you think

736
00:33:52,480 --> 00:33:54,280
Speaker 2: it's worth because how many times.

737
00:33:54,120 --> 00:33:56,680
Speaker 3: You like flipped the price tag and you've been like, oh,

738
00:33:56,680 --> 00:33:58,840
Speaker 3: one hundred and eighty bucks far out, that's more.

739
00:33:59,360 --> 00:34:01,320
Speaker 2: That's not what I better than. You're like, oh, maybe

740
00:34:01,360 --> 00:34:04,240
Speaker 2: it's good quality, maybe it's the breath, you justify it totally.

741
00:34:04,280 --> 00:34:06,080
Speaker 2: But if you think about it first, like I think

742
00:34:06,120 --> 00:34:08,000
Speaker 2: this is worth this much, then that's kind of like

743
00:34:08,120 --> 00:34:10,920
Speaker 2: set in your head. That's exactly genius. I like that.

744
00:34:11,040 --> 00:34:13,239
Speaker 3: I like that these aren't as unhinged as I thought

745
00:34:13,280 --> 00:34:15,480
Speaker 3: that they would be. True, how reckon We can implement

746
00:34:15,560 --> 00:34:18,520
Speaker 3: some of these back, I think. So I'm really absolutely

747
00:34:18,560 --> 00:34:20,000
Speaker 3: going to do the game one that's for show.

748
00:34:20,680 --> 00:34:24,160
Speaker 2: Okay. So another person said, I remind myself that buying

749
00:34:24,280 --> 00:34:26,600
Speaker 2: things is giving money to rich people, and I need

750
00:34:26,680 --> 00:34:29,759
Speaker 2: the money more than them. Also, research what companies you

751
00:34:29,840 --> 00:34:31,520
Speaker 2: are supporting and what they are doing to the world.

752
00:34:31,600 --> 00:34:34,800
Speaker 2: It stops you from spending money really quick, which is

753
00:34:35,239 --> 00:34:37,080
Speaker 2: also pretty genius. We don't want to make the rich

754
00:34:37,120 --> 00:34:42,160
Speaker 2: people richer, No, we don't. We want to make us richer. Literally. Yeah,

755
00:34:42,600 --> 00:34:44,600
Speaker 2: one day we're going to be the rich people. Oh

756
00:34:44,680 --> 00:34:48,000
Speaker 2: yeah yeah, and then you can stop spending on our things. Yeah,

757
00:34:48,200 --> 00:34:51,279
Speaker 2: I completely agree. All right, are you ready? I'm ready.

758
00:34:51,520 --> 00:34:55,800
Speaker 2: So this one I thought was like slightly unhinged. She said,

759
00:34:56,280 --> 00:34:58,479
Speaker 2: I taped a picture of my mum to my card

760
00:34:58,600 --> 00:35:01,080
Speaker 2: to remind me of when I had to move in

761
00:35:01,239 --> 00:35:04,200
Speaker 2: with her and how bad it was. Oh my god,

762
00:35:04,640 --> 00:35:08,440
Speaker 2: fair enough, that's so funny. So she's like, ah, no

763
00:35:08,640 --> 00:35:10,719
Speaker 2: spending because I'll have to move back in with that woman.

764
00:35:10,840 --> 00:35:13,920
Speaker 2: Absolutely not. And I guess, like defends a side it's on.

765
00:35:14,000 --> 00:35:15,719
Speaker 2: But if you're tapping your card and you're looking your

766
00:35:15,760 --> 00:35:17,600
Speaker 2: mother directly in the eye while you do it, it's like,

767
00:35:18,200 --> 00:35:19,520
Speaker 2: that's really geep.

768
00:35:19,600 --> 00:35:21,839
Speaker 3: You can take a selfie that makes my face look

769
00:35:21,880 --> 00:35:24,239
Speaker 3: really judgy and then you guys can fling it out

770
00:35:24,280 --> 00:35:25,200
Speaker 3: and put it in your wallet.

771
00:35:25,280 --> 00:35:27,560
Speaker 2: And it's like, what would Victoria do? Please? Can you

772
00:35:27,600 --> 00:35:28,319
Speaker 2: get stickers money?

773
00:35:28,320 --> 00:35:31,840
Speaker 3: If you know me well enough, iug spend Yeah exactly,

774
00:35:32,320 --> 00:35:34,160
Speaker 3: So I'm like pretending to help.

775
00:35:34,120 --> 00:35:38,400
Speaker 2: Victoria would spend this money. It's like a delusional exactly.

776
00:35:38,480 --> 00:35:41,560
Speaker 2: She's good at money, but like for other people, Yeah,

777
00:35:41,960 --> 00:35:44,000
Speaker 2: what would you Victoria would be spending this kind of money?

778
00:35:44,360 --> 00:35:46,919
Speaker 2: Maybe that would not be good. So maybe you think

779
00:35:47,000 --> 00:35:50,600
Speaker 2: about it. Yeah, oh yeah, that's true. Okay, next one.

780
00:35:51,480 --> 00:35:53,600
Speaker 2: So this TikToker said, if I want something, I have

781
00:35:53,719 --> 00:35:55,279
Speaker 2: a rule that I have to come back for it.

782
00:35:55,400 --> 00:35:57,680
Speaker 2: If it's not worth a second trip, it's not worth buying.

783
00:35:57,880 --> 00:36:00,680
Speaker 2: That's so true. That's similar to me saying put twenty

784
00:36:00,719 --> 00:36:03,000
Speaker 2: four hours between you and your spending because if you've

785
00:36:03,040 --> 00:36:04,840
Speaker 2: seen something and I'm like, I know you really want it,

786
00:36:04,920 --> 00:36:07,799
Speaker 2: you can have it tomorrow, same time. Tomorrow, same time

787
00:36:07,840 --> 00:36:09,480
Speaker 2: comes you like, I can't pep bo been going and

788
00:36:09,560 --> 00:36:11,759
Speaker 2: getting that totally, and I guess like this is a

789
00:36:11,800 --> 00:36:13,839
Speaker 2: similar thing that I've done. Like if something I see

790
00:36:13,880 --> 00:36:15,360
Speaker 2: online is like, oh, I really want to buy that,

791
00:36:15,440 --> 00:36:17,440
Speaker 2: it's it is so easy to just do it from

792
00:36:17,520 --> 00:36:19,120
Speaker 2: the company. Yeah, but if you like I have to

793
00:36:19,200 --> 00:36:20,920
Speaker 2: go into the store, I'm going to make myself get

794
00:36:20,960 --> 00:36:22,160
Speaker 2: into the store to buy this and then all of

795
00:36:22,200 --> 00:36:24,440
Speaker 2: a sudden you're like, you're not. They don't have the

796
00:36:24,480 --> 00:36:27,319
Speaker 2: same dopamine rush because it's now a chore. Yeah.

797
00:36:27,400 --> 00:36:31,279
Speaker 3: Yeah, instead of being an impulse purchase, there's no impulsiveness here.

798
00:36:31,719 --> 00:36:34,759
Speaker 2: There's a chore. I have to go do my work totally. No,

799
00:36:34,960 --> 00:36:38,280
Speaker 2: thank you, Beck. I feel like we've been yapping for ages.

800
00:36:38,480 --> 00:36:41,000
Speaker 2: So to finish off, I've put together a little quick

801
00:36:41,120 --> 00:36:44,040
Speaker 2: file list of different things that people ask themselves every

802
00:36:44,120 --> 00:36:46,279
Speaker 2: time they go to shop and they have the urge

803
00:36:46,320 --> 00:36:49,000
Speaker 2: to shop. Yeah, so first person said, if I found

804
00:36:49,040 --> 00:36:50,680
Speaker 2: this in the bin, would I clean it and keep

805
00:36:50,680 --> 00:36:52,319
Speaker 2: it or would I leave it? Oh my god, that's

806
00:36:52,400 --> 00:36:55,359
Speaker 2: the Pooth thing. It's the Pooth thing. And for those

807
00:36:55,400 --> 00:36:57,719
Speaker 2: who don't know, if we were talking about these is

808
00:36:57,760 --> 00:37:01,080
Speaker 2: like Marie Condo, Momi works for some people. If something

809
00:37:01,480 --> 00:37:03,279
Speaker 2: that you want to buy or something you own. This

810
00:37:03,400 --> 00:37:05,399
Speaker 2: is for if you're throwing things out, or if you're

811
00:37:05,400 --> 00:37:08,320
Speaker 2: buying something, if it had woo on it, would you

812
00:37:08,440 --> 00:37:10,759
Speaker 2: clean it? Clean it? Would you just chuck the whole?

813
00:37:10,800 --> 00:37:12,640
Speaker 2: Did you chuck it out? And that's a really good

814
00:37:12,640 --> 00:37:17,000
Speaker 2: way to figure out I'm throwing it out in them.

815
00:37:17,320 --> 00:37:19,320
Speaker 2: Someone else said, if my boss came up to me

816
00:37:19,480 --> 00:37:21,440
Speaker 2: after I worked the amount of hours it took to

817
00:37:21,480 --> 00:37:23,440
Speaker 2: pay for it and offered me the item instead of

818
00:37:23,480 --> 00:37:26,920
Speaker 2: the pay how would I feel imagine coming up to

819
00:37:27,000 --> 00:37:31,319
Speaker 2: someone and being like, Hey, so good work today, fantastic work.

820
00:37:31,640 --> 00:37:33,920
Speaker 2: You've done a heap of overtime. Would you like this

821
00:37:34,080 --> 00:37:40,080
Speaker 2: single it? It's rash and play you convinced yourself it's

822
00:37:40,080 --> 00:37:43,239
Speaker 2: a good basic Yeah, that's so true. I'd like get

823
00:37:43,320 --> 00:37:46,399
Speaker 2: in the bin, give me my money. Someone else said,

824
00:37:46,520 --> 00:37:49,239
Speaker 2: I love it, but do I insert price love it?

825
00:37:50,440 --> 00:37:53,080
Speaker 2: I love it, but do I a hundred dollars love it?

826
00:37:54,400 --> 00:37:56,279
Speaker 2: Probably not, though it's a good question to ask you.

827
00:37:56,440 --> 00:37:58,960
Speaker 3: If someone offered me the item or the money that

828
00:37:59,080 --> 00:38:01,320
Speaker 3: it costs, which one am I going to choose? That

829
00:38:01,600 --> 00:38:04,279
Speaker 3: is very smarteck, or do you want that top.

830
00:38:04,400 --> 00:38:04,560
Speaker 1: Yeah.

831
00:38:04,640 --> 00:38:06,560
Speaker 2: True, that's a really good way to do it because

832
00:38:06,560 --> 00:38:08,120
Speaker 2: and you're like, oh, there's so many other things I

833
00:38:08,160 --> 00:38:09,759
Speaker 2: could do with this money. And then you're like, wait,

834
00:38:09,840 --> 00:38:11,560
Speaker 2: they have this money. Do you what that teaches me?

835
00:38:12,440 --> 00:38:17,799
Speaker 2: I can be bought. Yes, I really very often choose

836
00:38:17,840 --> 00:38:20,360
Speaker 2: the money that is, yeah, top, but I'd have some

837
00:38:20,520 --> 00:38:22,759
Speaker 2: cash totally. Oh my god. That's so true because if

838
00:38:22,800 --> 00:38:24,200
Speaker 2: you have the cash and you're about to spend it

839
00:38:24,239 --> 00:38:26,239
Speaker 2: and then someone's like, would you rather this or the cash,

840
00:38:26,239 --> 00:38:28,080
Speaker 2: and you're like, oh the cash things and you're like, wait,

841
00:38:28,320 --> 00:38:30,800
Speaker 2: it's already here, and I already have the cash and

842
00:38:30,880 --> 00:38:32,600
Speaker 2: I get to keep it. Oh my god. Yeah, I

843
00:38:32,719 --> 00:38:32,880
Speaker 2: like that.

844
00:38:33,000 --> 00:38:33,279
Speaker 1: I like that.

845
00:38:33,360 --> 00:38:36,360
Speaker 2: I like that all right. And finally someone asked themselves,

846
00:38:36,719 --> 00:38:39,759
Speaker 2: do I want to be stealing from myself? Because that

847
00:38:39,960 --> 00:38:43,400
Speaker 2: was my time that earned that money, and it's my future.

848
00:38:43,560 --> 00:38:47,000
Speaker 2: It's taking it from powerful powerful That wouldn't work for me.

849
00:38:47,200 --> 00:38:49,440
Speaker 2: I'd be like, mah, I wouldn't be mad at myself

850
00:38:49,480 --> 00:38:52,239
Speaker 2: for stealing from myself. Yeah, I'm allowed. I'm allowed. I'm

851
00:38:52,280 --> 00:38:54,800
Speaker 2: a nice lady. Oh yeah, okay. I think that's the

852
00:38:54,840 --> 00:38:56,480
Speaker 2: perfect one to end it on because there's a bit

853
00:38:56,560 --> 00:39:01,040
Speaker 2: relatable I'm stealing from myself and both and I are like, hmm,

854
00:39:02,840 --> 00:39:05,759
Speaker 2: we're allowed to a key. Yeah, future me would be

855
00:39:05,880 --> 00:39:10,920
Speaker 2: proud of me. Yeah, exactly right, Beck. Big takeaway from today, yes,

856
00:39:11,320 --> 00:39:14,120
Speaker 2: I would say, is that there is literally no one

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00:39:14,200 --> 00:39:16,719
Speaker 2: size fits a way to build better money habits. For

858
00:39:16,840 --> 00:39:20,120
Speaker 2: some of us, it's color coded budgeting. For others, it's

859
00:39:20,239 --> 00:39:23,520
Speaker 2: snapping a hair tie, pretending to be a pensioner on Facebook,

860
00:39:23,840 --> 00:39:26,560
Speaker 2: or having a pretend video game with reward points and

861
00:39:26,719 --> 00:39:30,800
Speaker 2: chores and honestly sis, if it works, lean into it,

862
00:39:31,080 --> 00:39:33,960
Speaker 2: lean in, lean in who cares how unhinged it is?

863
00:39:34,280 --> 00:39:37,480
Speaker 2: And my friends, if this episode is something that has

864
00:39:37,560 --> 00:39:41,279
Speaker 2: you rethinking your spending habits, the thirty day reframe might

865
00:39:41,480 --> 00:39:44,680
Speaker 2: be your next step. It is free, it is low pressure,

866
00:39:44,719 --> 00:39:47,359
Speaker 2: and it is packed with really simple ways to break

867
00:39:47,440 --> 00:39:50,319
Speaker 2: the buyer scroll repeat cycle. I'm going to make sure

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00:39:50,480 --> 00:39:52,160
Speaker 2: that the link is in the show notes for you,

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00:39:52,400 --> 00:39:54,480
Speaker 2: and as always, don't forget to follow and subscribe. It

870
00:39:54,560 --> 00:39:57,040
Speaker 2: really does help us to keep bringing you content you love.

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00:39:57,200 --> 00:39:59,240
Speaker 2: We'll see you on Friday, see your friends, Bye byes.

872
00:40:05,880 --> 00:40:08,400
Speaker 2: The advice shared on She's on the Money is general

873
00:40:08,480 --> 00:40:12,320
Speaker 2: in nature and does not consider your individual circumstances. She's

874
00:40:12,360 --> 00:40:15,800
Speaker 2: on the Money exists purely for educational purposes and should

875
00:40:15,840 --> 00:40:19,000
Speaker 2: not be relied upon to make an investment or financial decision.

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00:40:19,400 --> 00:40:21,839
Speaker 2: If you do choose to buy a financial product, read

877
00:40:21,880 --> 00:40:26,000
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

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00:40:26,040 --> 00:40:29,319
Speaker 2: your needs. Victoria Divine and She's on the Money are

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00:40:29,400 --> 00:40:34,359
Speaker 2: authorized representatives of money. Shepper Pty Ltd ABN three two

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