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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming through.

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Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and

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Speaker 1: the storytelling of you to make a difference for today

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Speaker 1: and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money. She's on the Money.

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Speaker 2: Hello, and welcome to She's on the My the podcast

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Speaker 2: for millennials who want to financial freedom. Today is Friday,

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Speaker 2: which means it's time to sit back with the girls

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Speaker 2: with a bevy in hand, to unpack our favorite moments

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Speaker 2: of the week and of course, to celebrate you are incredible.

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Speaker 2: She's on the Money community. As always, we'll be sharing

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Speaker 2: our favorite money wins, we'll be discussing what is making

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Speaker 2: news in finance, and we'll be helping to answer a

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Speaker 2: juicy money question, which this week is all about asking

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Speaker 2: for a pay rise and exactly how to do it.

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Speaker 2: But first it is time to recap the week that was.

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Speaker 2: Jessica Ritchie, Hello, what happened on money Diaries this week?

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Speaker 2: My girl?

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Speaker 4: This week we had like a really good, I think

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Speaker 4: solid diarist. So she was working really hard to educate

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Speaker 4: herself around finances. Her husband was on this journey with her,

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Speaker 4: which was really lovely to hear that they were doing

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Speaker 4: it together and trying to, you know, just educate themselves.

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Speaker 4: They have a young daughter and their end goal is

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Speaker 4: that they want to invest so that they can educate

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Speaker 4: her and allivate her future and kind of give her

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Speaker 4: opportunities that maybe they didn't have, which I think, if

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Speaker 4: you're a parent, is what all parents might absolutely for

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Speaker 4: your kids to have the things that you didn't and

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Speaker 4: for them the next generation to live a better life.

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Speaker 4: So it was really wholesome, and you know, it was

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Speaker 4: one of those diaries that I think a lot of

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Speaker 4: people can relate to because a lot of us are

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Speaker 4: on that journey currently still and so to hear that

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Speaker 4: they were doing it and supporting each other and incredible

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Speaker 4: improving for the future, you love to see it. You

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Speaker 4: love to see it, I think Jack We've also done

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Speaker 4: an episode in the past about investing for your kids

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Speaker 4: and how it works from like a tax perspective and

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Speaker 4: all of that. So if you are someone who has

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Speaker 4: a little bubba and you want the best for them

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Speaker 4: and you want to try and invest, but you're not

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Speaker 4: sure how to do it, scroll back that episode.

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Speaker 2: Yes, also just diving in here. Victoria is not here.

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Speaker 2: Probably knowledge that who needs it. It is just the

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Speaker 2: two of us today because the big woman is hitting

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Speaker 2: the slopes overseas.

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Speaker 4: Yes, you do tell me all about Wednesday, George.

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Speaker 2: Absolutely, girl. It was part two of our recession series,

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Speaker 2: so exciting, but this time it was all about preparing

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Speaker 2: your finances for a recession, which was really good. It

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Speaker 2: was packed full of tips and I think personally for

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Speaker 2: me it made me feel far less stressed. We talked

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Speaker 2: about the many ways that the potential looming recession could

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Speaker 2: impact us. So if you are worried, definitely have a listen.

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Speaker 2: It will ease your fears. There's nothing to worry about.

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Speaker 2: It's all going to be fine. Stressful at all, It's

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Speaker 2: all fine.

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Speaker 4: But the house is on fire. No, I feel like

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Speaker 4: those episodes are really good, Like the two part is obviously.

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Speaker 4: Last week we did part one where we discussed what

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Speaker 4: is a recession? What does it look like now? The markers,

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Speaker 4: all those kinds of things, and it's something that for

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Speaker 4: people our age, if we lived through it, we were

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Speaker 4: probably relatively young. Yeah, just because, and I say that

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Speaker 4: very broadly, the average age is pretty close to ours,

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Speaker 4: and so we might not have really understood the impacts

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Speaker 4: of it. You don't understand something, it's really scary, exactly So.

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Speaker 4: I think I reallyacked that that episode made me feel

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Speaker 4: a little bit prepared, and you know, having tangible tips,

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Speaker 4: and some of them might have seemed a little bit obvious,

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Speaker 4: but I think when we panic, we forget our basics,

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Speaker 4: and sometimes those basics are what gives you, like a

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Speaker 4: really solid grounding. So it was a really good episode

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Speaker 4: and if anyone like me it's a little bit an

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Speaker 4: anxious queen, hopefully you feel a bit better now, exactly right.

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Speaker 2: We also spoke about what to do with your debts,

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Speaker 2: your job, your investments, So if you're worrying about all

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Speaker 2: of those things, it's the place to go.

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Speaker 4: Jess Oh, I love that all right, Well, have you

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Speaker 4: got some budget direct money wins?

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Speaker 2: There? George Gill you know I do. I'm so excited.

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Speaker 2: I got some wins, We've got some losses, We've got

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Speaker 2: them all. The first win of the week it comes

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Speaker 2: from Caitlin. Two money wins. I went on a pub

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Speaker 2: crawl on Saturday and I still had cashim a wallet

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Speaker 2: when I got home. Gives that Caitlin. The second win

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Speaker 2: for Caitlin is that a friend gave her a lift

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Speaker 2: to the airport this morning, saving her a cab fair.

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Speaker 2: That's huge. That's love friendship. Yeah, we love to see it.

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Speaker 2: The next win it comes from Katie money win. I've

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Speaker 2: moved to Canberra for UNI and found the rent is

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Speaker 2: phenomenally expensive here. I was initially planning to pet sit

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Speaker 2: for the first month, but I've lined up two more

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Speaker 2: month long gigs and I'm considering pet sitting for as

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Speaker 2: long as possible to save money while I study my Masters.

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Speaker 2: Plus I get all the puppy cuddles none of the

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Speaker 2: it bills. That's so good.

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Speaker 4: I remember Emma from The Broke Gen who we Lave Queen.

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Speaker 4: She used to pet see it a lot and I

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Speaker 4: can't remember the name of it. But there's an app

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Speaker 4: where you can literally find and actually Charlotte who used

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Speaker 4: to work for Zella did this and hope having fun

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Speaker 4: over there, Queens.

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Speaker 2: It's huge in Europe.

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Speaker 4: But there's an app that you can use to find

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Speaker 4: people who are looking for pet sitters and we'll give

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Speaker 4: you bored in exchange. Oh crazy, I mean if you're

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Speaker 4: a pet person. I remember for a while I couldn't

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Speaker 4: have pets and I was like, I will cuddle someone's cabsolutely,

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Speaker 4: give it to me, put it in front of me,

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Speaker 4: and then you get bored as well.

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Speaker 2: That's huge. Do you remember it was the app named

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Speaker 2: mad Pause. I feel like it's rough from us to

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Speaker 2: throw it out there and yeah, tell the girl, yeah

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Speaker 2: at mad Pause. I think it might have been mad Pause.

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Speaker 4: Check it out, friends, Yeah, if you need some made

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Speaker 4: a round if you're in Canberra, give it a currently,

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Speaker 4: it's working.

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Speaker 2: Give it a go. The next thing it comes from

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Speaker 2: Brianna Money. When I've been discussing a favorite wine with

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Speaker 2: my coworkers and I looked it up to see that

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Speaker 2: it was on sale at Dan Murphy's for fifteen dollars.

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Speaker 2: I miss my partner to pick up a bottle for

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Speaker 2: dinner while it was a good price, only for him

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Speaker 2: to venture out and find Dan's had closed, so we

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Speaker 2: headed to another store to find it on sale for

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Speaker 2: five dollars a bottle. You're making money, Jess. Naturally he

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Speaker 2: grabbed all seven bottles that were left on the shelf

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Speaker 2: t thirty dollars and we still can't believe our luck.

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Speaker 2: Well it's on Brianna. That's a Naturally bottles. Yeah, they

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Speaker 2: did the right thing. The next one comes from Jacinta

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Speaker 2: money Win. I got myself a podcast mic at half

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Speaker 2: the price squeek, just Cinta. I wants what the potty is?

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Speaker 2: Good luck with it. The next one comes from Madeline

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Speaker 2: money Win with a question mark. I made a summary

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Speaker 2: with my partner of all of our streaming services and

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Speaker 2: monthly subscriptions, which was getting a little out of hand.

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Speaker 2: We then went through and unsubscribed from most things we

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Speaker 2: didn't need and combined the separate subscriptions. I was shocked,

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Speaker 2: and now we are looking at saving over one point

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Speaker 2: one k annually that we're not going to be spending

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Speaker 2: on those services. That is going into our savings in stead.

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Speaker 2: It's a great feeling getting it done. How Coul's that good?

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Speaker 2: That's huge. It adds up. We don't think about it

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Speaker 2: that's how they get you. So I play a month

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Speaker 2: a hot deal. Yeah, and then over the course of

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Speaker 2: your lifetime, yeah, six subscriptions to every platform streaming platform

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Speaker 2: known to man, millions of dollars. Yepes down the drain.

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Speaker 2: Well done to you, Madeline. The next week it comes

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Speaker 2: from Bethany money Win. I've unsubscribed from all the retail

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Speaker 2: marketing emails I was receiving, including my favorite stores, and

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Speaker 2: I haven't spent a cent on the after pay day sales.

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Speaker 2: I've paid off more of my after pay account and

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Speaker 2: I pre ordered the new Investing with Shees on the

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Speaker 2: Money Book for thirty three percent off on Amazon. Well, Bethany,

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Speaker 2: we love it. When does that one come out? Joe

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Speaker 2: September twenty Thank you for supporting Holy Dooley. That is

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Speaker 2: very really soon.

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Speaker 4: And as we're recording this today, I believe it is

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Speaker 4: still on sale on Amazon if anybody is looking to

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Speaker 4: get your little nubby sacker bargain exactly right.

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Speaker 2: Beautiful the last one Jess for the day. I liked it.

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Speaker 2: It's from Tish money Win. I found security cameras we

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Speaker 2: really wanted for our house for three hundred forty nine

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Speaker 2: dollars online. We went to Bunnings and they were four

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Speaker 2: hundred and nine dollars, so I got them price matched

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Speaker 2: to get the ten percent better deal. They came down

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Speaker 2: to three hundred and fifteen dollars. What's Bunning's Bunnings is

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Speaker 2: little slogan if you find it, and they do they

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Speaker 2: really they do it so well done to Bunnings World,

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Speaker 2: unto Tish the marketing. Clearly. That is all for the

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Speaker 2: budget directed money wins this week, my girl.

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Speaker 4: Yes, it's been great celebrating your budget direct money wins

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Speaker 4: of the week.

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Speaker 2: Budget Direct is you're and solved.

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Speaker 4: Let's head to a break, George, and then when we

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Speaker 4: come back, I have got a really fun topic for us.

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Speaker 2: To chat about. Stunning see them.

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Speaker 4: Or Brady George this week. It's not a news article.

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Speaker 4: It's a little a little happening from the She's on

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Speaker 4: the Money Instagram at sees on the Money aus. If

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Speaker 4: anyone followers, sure, come over. We have little spicy convos.

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Speaker 4: We put up a post about income Gill and we

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Speaker 4: basically it was just a question, we said do you

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Speaker 4: have income guilt? And in a caption we were talking

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Speaker 4: about the fact and we have spoken about this on

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Speaker 4: the pod before how sometimes, particularly women, when we're out

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Speaker 4: earning our peers our partners, we feel a little bit guilty,

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Speaker 4: which we should not, And so that was kind of

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Speaker 4: where we thought the conversation was going to go. But interestingly,

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Speaker 4: people were talking about it going the other way, which

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Speaker 4: was something that I hadn't really considered. So, if you're

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Speaker 4: not earning as much as your peers, feeling guilty about

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Speaker 4: being behind or you know, not having reached, I guess

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Speaker 4: your potential is what I saw someone see, which I

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Speaker 4: thought was a really interesting concept to unpack because it

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Speaker 4: seems like everybody's just feeling guilty.

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Speaker 2: Yeah, and we shouldn't be, yep.

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Speaker 4: So I wanted to talk about the how and the

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Speaker 4: why and you know, is this something you've ever experienced.

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Speaker 2: George just I remember, I think we've spoken about this

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Speaker 2: on the podcast before, and we were talking about feeling

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Speaker 2: guilty or not really feeling guilty about out earning our partners.

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Speaker 2: It's like were wrong and there was no guilt there really,

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Speaker 2: But I think, yeah, I do kind of feel it

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Speaker 2: to a point, probably from an under earning perspective. I

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Speaker 2: think I'm like a quietly competitive person. Yeah, so there

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Speaker 2: is a little bit of that, And I don't really

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Speaker 2: know explicitly what my friends all earn. Yeah, but I

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Speaker 2: think some of them are on a better wicket. And

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Speaker 2: I am like, oh, I should be working harder, but

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Speaker 2: there's also just no time. And even what I just said,

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Speaker 2: I should be working harder, that's incorrect because hard work

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Speaker 2: doesn't but it also doesn't equate to a higher salary

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Speaker 2: necessarily or no, you know, more money that way. So

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Speaker 2: what is it something that I struggle with? And I'm

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Speaker 2: thinking that it's a very female thing. Once again, we

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Speaker 2: feel guilty about most of the things that we do.

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Speaker 2: J Rid, Is it something that you've struggled with?

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Speaker 4: Yeah, I think it's interesting because it kind of relates

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Speaker 4: back to I don't know fomo's the right word, but

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Speaker 4: that concept that you're just never doing good enough. And

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Speaker 4: I remember on a Friday Drinks episode not too long ago,

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Speaker 4: sort of a money dilemma about goal setting and celebrating

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Speaker 4: your little wins, and in that conversation I said that

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Speaker 4: for me, achieving the goal is you know enough, but

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Speaker 4: it's always kind of directly onto the next And I

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Speaker 4: think a byproduct of that mindset is that you kind

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Speaker 4: of am always chasing the next thing, and you're always

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Speaker 4: trying to get to the next place, and so you're

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Speaker 4: maybe not always feeling entirely fulfilled.

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Speaker 2: She's getting very dark and deep. You know.

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Speaker 4: It's that concept of oh, well, I've achieved this thing.

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Speaker 4: I can do better. I can achieve something better and bigger.

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Speaker 4: And absolutely, I think you know, in the industry that

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Speaker 4: we're both working.

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Speaker 2: We work in creative industries.

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Speaker 4: You see people, you know, absolutely killing it and doing

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Speaker 4: their own thing and making his money and traveling the

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Speaker 4: world and doing all of these amazing things that we

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Speaker 4: all would love to do, and you forget that there's

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Speaker 4: probably someone looking at you going, oh my god, she's

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Speaker 4: got it all. She's got to figure it out. And

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Speaker 4: it's definitely a total trap that I'm very much guilty

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Speaker 4: of falling into. And you know, salaries are part of

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Speaker 4: that as well. I earn a good salary in my job.

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Speaker 4: I also freelance as well. By all accounts, I feel

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Speaker 4: like I'm doing pretty fine, but I definitely am always

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Speaker 4: going I want to be investing more, or I want

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Speaker 4: to be saving more, I want to be donating more,

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Speaker 4: Like I just want more, And it's so hard because

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Speaker 4: then I feel guilty about not being happy with what

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Speaker 4: I've got. So I'm guilty because I'm not earning enough,

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Speaker 4: and then I'm guilty because I'm not satisfied, and it's

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Speaker 4: just this big guilt shame spiral.

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Speaker 1: Yeh.

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Speaker 4: They can be a little bit harder to dig yourself

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Speaker 4: out of sometimes.

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Speaker 2: Yes, well, I think it's worthwhile reminding that that's capitalism, baby, Like,

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Speaker 2: that's that's what we're living under, and it's it's pretty

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Speaker 2: I don't know, it's gross or word. Yeah, Like, I

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Speaker 2: think sometimes we do need to tap into why we're

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Speaker 2: doing what we're doing. And I know a lot of

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Speaker 2: us we're not working in careers that we love and

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Speaker 2: we are just earning money to put food on the table.

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Speaker 2: But it is it's worth reminding yourself that why do

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Speaker 2: you want more? Do you more? Yeah? I know for me, like,

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Speaker 2: over the last twelve months, I earned more money than

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Speaker 2: I've ever earned with Hugo George. You don't really notice

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Speaker 2: it because there's that lifestyle creep. You get taxed more

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Speaker 2: when you earn more. The difference isn't that large, So

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Speaker 2: I think it's also maybe worse reminding yourself of that

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Speaker 2: as well. But yeah, it's just capitalism. It's it's really

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Speaker 2: it is.

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Speaker 4: It's awful and it's a really hard spot to find

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Speaker 4: yourself in. And so for everyone who was, you know,

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Speaker 4: joining the conversation on that post, first we thank you

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Speaker 4: for being so candid. We're all right there with you,

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Speaker 4: regardless of which end of the spectrum you're on. It

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Speaker 4: seems like there are a lot of people that are

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Speaker 4: feeling it just the same as you, and I would

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Speaker 4: encourage you. And this is also a reminder to me to,

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Speaker 4: you know, exercise a little gratitude.

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Speaker 2: Not to say that.

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Speaker 4: Anyone's being ungrateful, but I think sometimes taking stock and

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Speaker 4: being like, wow, this year I earned more than I

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Speaker 4: ever have. That's incredible, George, that's so exciting. And as

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Speaker 4: much as we're trying to move on to the next

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Speaker 4: thing and trying to always be better, and on some level, yes,

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Speaker 4: that's important because that's how we improve ourselves. Also being

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Speaker 4: thankful for what you've done and recognizing the hard work

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Speaker 4: that you put in to get there, because you're just

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Speaker 4: doing the best that you can exactly, and that's amazing.

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Speaker 2: Yeah. And another thing to add to that, Jess, I

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Speaker 2: think would be asking yourself what your measure of success

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Speaker 2: is is it the money that you're earning? Yeah? I

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Speaker 2: know for me, I've never met someone and been like,

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Speaker 2: oh my god, that person earns three hundred grand a year.

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Speaker 2: What a legend. Let's be friends. Like money does not

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Speaker 2: come into the conversation. You're drawn to people's or are

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Speaker 2: their energy, their personalities. It's like the least interesting thing

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Speaker 2: about a person. Yeah, so yeah, I think probably questioning

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Speaker 2: why you think money is the key to success. I

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Speaker 2: mean traditionally it has been associated, of course, and it's

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Speaker 2: so nice to be financially comfortable, But fleshing out what

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Speaker 2: you think success is and what you value in other

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Speaker 2: people is a really good way of understanding how to

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Speaker 2: value yourself. I think one hundred percent well said.

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Speaker 4: By are a therapist. Oh my goodness, Well, should we

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Speaker 4: take a listen to the money dilemma for this week?

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Speaker 2: Let's do it? Tom, Hi, there, have you got a

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Speaker 2: money dilemma you just can't solve that. She's on the

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Speaker 2: Money team is here to help. Every week we tackle

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Speaker 2: your dilemmas, both big and small, to answer your most

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00:15:17,640 --> 00:15:21,720
Speaker 2: burning money, career and life questions. To get involved, simply

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Speaker 2: head to our website and leave us a quick voice

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Speaker 2: recording and you may just find yourself on the show. Now,

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Speaker 2: let's take a listen to today's money dilemma.

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Speaker 5: Hello, ladies. My money dilemma is how is the best

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Speaker 5: way to ask your employer about a pay increase? Cost

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Speaker 5: of living is going up and I really want to

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Speaker 5: have a sit down conversation.

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Speaker 2: With my workplace.

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Speaker 5: Trouble is, I work for disability company and they have

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Speaker 5: told me in the past that I am being paid

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Speaker 5: above what the normal award rate is for my position.

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Speaker 5: So how do I go about checking to say if

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Speaker 5: this is still applicable, if I can ask for an increase.

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Speaker 5: I just really like some help and clarification around this issue.

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Speaker 4: Thanks alrighty, We did touch on this in our how

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Speaker 4: to Have Difficult Conversations with your Boss episode, but I

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Speaker 4: really wanted to talk about the element of this dilemma,

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Speaker 4: which was the award rate. Yes, which is a term

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Speaker 4: that gets thrown around a lot, in my opinion, by employers,

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Speaker 4: an award rate. If you're not familiar, most people fall

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Speaker 4: into an award. Essentially that's a category of employment. So

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Speaker 4: there's a retail award, there's a building award, there's I'm

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Speaker 4: going blank, but there's like a million and one, and

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Speaker 4: if you want to figure out what award you're in,

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Speaker 4: you can actually go to the Fairwork website and there's

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Speaker 4: a questionnaire that will prompt you and find the correct one.

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Speaker 4: An award outlines essentially what would you call it, like

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Speaker 4: your rights as an employee, so ours worked because it

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Speaker 4: can differ industry to industry. Penalty rates will very award

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Speaker 4: to award as well. The only time an award is

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Speaker 4: not applicable, I believe, and I'm not an expert, please

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Speaker 4: with it is if you're on an enterprise agreement. And

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Speaker 4: an enterprise agreement is an agreement that a company will

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Speaker 4: sign and you essentially waive your award rights to fall

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Speaker 4: under a new set of rules. And so it's a

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Speaker 4: company wide thing. You would have to sign a document,

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Speaker 4: it's a whole we thing. But generally speaking, a lot

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Speaker 4: of people will fall into awards. And so this person's

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Speaker 4: employer is saying, we're paying you the award rate, which

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Speaker 4: is minimum wage for your job. So there's a national

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Speaker 4: standard of minimum wage, but within different industries there's different expectations.

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Speaker 4: So like you know, minimum wage for a teacher might

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Speaker 4: differ for minimum wage for a retail worker, for example,

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Speaker 4: and that's based on you know, skills and hours, and

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Speaker 4: I don't know who comes up with these things. Somebody

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Speaker 4: puts it all together and goes that sounds right. So

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Speaker 4: when they're saying that we're paying you above award rate,

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Speaker 4: they're essentially saying we're paying you.

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Speaker 2: Above minimum wage.

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Speaker 4: Now, how much they're paying you above is really the question,

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Speaker 4: because you could be paying me a dollar an hour more. Yes,

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Speaker 4: you're paying me above a ward it doesn't mean that

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Speaker 4: you're paying me in line with what the industry standard

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Speaker 4: currently is. And the award rates, I would argue, are

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Speaker 4: definitely in a lot of cases not reflective of the market.

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Speaker 4: Right now, we know, we've spoken about the fact that

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Speaker 4: it's a candidate poor market. There's a still shortage and

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Speaker 4: a lot of industries salaries need to increase to keep

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Speaker 4: up with the rising cost of living, but the award

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Speaker 4: rates haven't really shifted to significantly. In fact, in some

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Speaker 4: industries like retail, they've removed penalty rates for like Sundays

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Speaker 4: and stuff. You're joking, yeah, and I mean that happened

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Speaker 4: a little while but that's not super recent. But when

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Speaker 4: I was still working in retail, they were scaling it back.

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Speaker 4: So it used to be double and a half, then

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Speaker 4: it went to double, then it went to you know,

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Speaker 4: and it was like, over a few years it would

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Speaker 4: steadily decrease until it was just flat across thought. And

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Speaker 4: I wouldn't be surprised if other industries were the same.

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Speaker 4: But for me, I feel like their employer is kind

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Speaker 4: of using this as a bit of a crutch and saying, oh, well,

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Speaker 4: we pay you more than what we have to. I'm

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Speaker 4: a good guy exactly, and I don't necessarily know that

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Speaker 4: that's the case, But what do you think, George, I

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Speaker 4: feel like I'm just talking about I'm loving it.

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Speaker 2: I agree with you, That's what I was going to say.

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Speaker 2: I don't really care for the tone the employer here

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Speaker 2: by saying we already pay you above the award rate.

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Speaker 2: I don't like that. So in terms of going for

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Speaker 2: a pay rise, I definitely start by asking them, so

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Speaker 2: just take you up a meeting with your manager, have

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Speaker 2: a chat about it. Bring that evidence in terms of evidence, sorry,

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Speaker 2: I mean like examples of you going above and beyond

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Speaker 2: or doing things outside of your role description, so you

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Speaker 2: can really show your manager that you deserve this pay rise.

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Speaker 2: We're not just entitled to them because we want one.

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Speaker 2: I tried that in the past, didn't go well, and

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Speaker 2: it in tears for me. It's embarrassing. So come armed

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Speaker 2: with your evidence, with your story, and if they don't

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Speaker 2: go for it, I'd be prepared to walk away.

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Speaker 4: Well, this is the thing, because I would argue that

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Speaker 4: if you're saying that you want a salary increase, it's

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Speaker 4: because of one of two reasons. It's because you feel

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Speaker 4: like you're not being paid in line with other people

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Speaker 4: doing the same thing, maybe you know, for other companies

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Speaker 4: or in other industries. Or it's because you feel like

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Speaker 4: you're going above and beyond in your role. And either way,

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Speaker 4: they're very reasonable reasons to ask for an increase. And

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Speaker 4: if it's the first one and you're looking at you know,

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Speaker 4: Sally over here is doing the same job as you,

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Speaker 4: and she's earning twenty k more a year for another company,

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Speaker 4: Go work for Sally's company.

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Speaker 2: Yeah.

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Speaker 4: I actually think that there's a point at which you

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Speaker 4: don't owe your employer anything.

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Speaker 5: Yep.

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Speaker 4: And I think as people sometimes we can get really

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Speaker 4: caught up in loyalty and we can be ghastly a

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Speaker 4: little bit into thinking you're not going to do better

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Speaker 4: anywhere else, like I look after you really well, and

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Speaker 4: that's actually not true. If you have good skills, if

434
00:20:35,760 --> 00:20:39,399
Speaker 4: you are a nice human being, there are other companies

435
00:20:39,480 --> 00:20:43,320
Speaker 4: that will meet your expectations. And as employers, I think

436
00:20:43,320 --> 00:20:46,240
Speaker 4: there's a responsibility on them to look after their staff

437
00:20:46,280 --> 00:20:49,080
Speaker 4: because if you don't, ultimately you're putting yourself out because

438
00:20:49,080 --> 00:20:51,000
Speaker 4: you're losing a good employee. And I can't remember what

439
00:20:51,000 --> 00:20:53,840
Speaker 4: the number is, but I remember reading a stat about

440
00:20:53,840 --> 00:20:56,919
Speaker 4: how much it costs an employer to replace an employee,

441
00:20:57,200 --> 00:20:59,159
Speaker 4: and more often than not, it's more expensive than just

442
00:20:59,160 --> 00:21:01,960
Speaker 4: giving them the pay rise. Yeah, because you have to hire,

443
00:21:01,960 --> 00:21:03,480
Speaker 4: and you have to advertise, and you have to train,

444
00:21:03,600 --> 00:21:06,320
Speaker 4: and it's a drain on resources in that sense. And

445
00:21:06,359 --> 00:21:10,480
Speaker 4: so I think that if what you're asking for is reasonable,

446
00:21:10,560 --> 00:21:13,600
Speaker 4: and I mean only you can really determine that, and

447
00:21:13,640 --> 00:21:16,560
Speaker 4: if they're not prepared to meet it, then be prepared

448
00:21:16,560 --> 00:21:18,840
Speaker 4: to go cards on the table, I'm going to go elsewhere.

449
00:21:18,960 --> 00:21:21,439
Speaker 2: Yeah, yeah, you do. You need to understand your value.

450
00:21:21,440 --> 00:21:23,199
Speaker 2: And as you said, it costs so much money for

451
00:21:23,280 --> 00:21:25,760
Speaker 2: employers to employ new people, but you do. You need

452
00:21:25,800 --> 00:21:28,440
Speaker 2: to think of yourself as like your own little business.

453
00:21:28,680 --> 00:21:31,360
Speaker 2: Employers like their cutthroat they have to do what they

454
00:21:31,359 --> 00:21:33,760
Speaker 2: have to do to keep their business afloat. I think

455
00:21:34,119 --> 00:21:36,640
Speaker 2: it's helpful to kind of adopt that mindset from your

456
00:21:36,640 --> 00:21:40,200
Speaker 2: own perspective, even if it does feel a little bit personal,

457
00:21:40,240 --> 00:21:42,680
Speaker 2: it's not. It's business, baby. You've got to look after

458
00:21:42,720 --> 00:21:44,520
Speaker 2: yourself because no one else will. And if you don't

459
00:21:44,560 --> 00:21:46,200
Speaker 2: ask for this, parisee and it's not going to happen.

460
00:21:46,280 --> 00:21:48,800
Speaker 2: So yeah, I would ask. And if they say no,

461
00:21:49,200 --> 00:21:50,000
Speaker 2: walk away.

462
00:21:49,840 --> 00:21:52,720
Speaker 4: Yeah, look around. There's nothing wrong with that. And yeah,

463
00:21:52,880 --> 00:21:55,119
Speaker 4: no that we believe in you. We think you deserve.

464
00:21:55,160 --> 00:21:56,360
Speaker 2: We believe in you big time.

465
00:21:56,480 --> 00:21:58,479
Speaker 4: And if you need more tips and tricks, go back

466
00:21:58,520 --> 00:22:00,000
Speaker 4: to that episode. And we've done a couple of others

467
00:22:00,119 --> 00:22:03,120
Speaker 4: as well on negotiating. And there was an episode way

468
00:22:03,160 --> 00:22:05,119
Speaker 4: back in season one called She Works Hearts for the

469
00:22:05,119 --> 00:22:07,879
Speaker 4: Money that was specifically about paarrisis, so incredible. Head to

470
00:22:07,920 --> 00:22:09,280
Speaker 4: those for some extra tips.

471
00:22:09,640 --> 00:22:13,760
Speaker 2: But I reckon that's about all your bloody love an

472
00:22:13,760 --> 00:22:16,720
Speaker 2: episode with Jay Rock. It's always a pleasure sharing then

473
00:22:16,920 --> 00:22:19,520
Speaker 2: with you. Do we want some boring but importance to.

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00:22:19,720 --> 00:22:20,320
Speaker 4: Yeah, hit me with that.

475
00:22:20,480 --> 00:22:24,000
Speaker 2: Alrighty guys, please remember that the advice shed on She's

476
00:22:24,040 --> 00:22:26,040
Speaker 2: on the Money is general in nature and does not

477
00:22:26,200 --> 00:22:30,000
Speaker 2: consider your individual circumstances. She's on the Money exists purely

478
00:22:30,040 --> 00:22:32,760
Speaker 2: for educational purposes and should not be relied upon to

479
00:22:32,760 --> 00:22:35,840
Speaker 2: make an investment or a financial decision. And we promise

480
00:22:36,000 --> 00:22:39,480
Speaker 2: Victoria divine and She's on the Money are authorized representatives

481
00:22:39,480 --> 00:22:43,000
Speaker 2: of In Focused Securities Australia propriet To Limited ABM for

482
00:22:43,160 --> 00:22:45,880
Speaker 2: seven zero nine seven seven nine seven zero four nine

483
00:22:45,920 --> 00:22:48,920
Speaker 2: AFSL two three six five two three and we will

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00:22:48,920 --> 00:22:51,639
Speaker 2: see you on Monday. Team see you them, Bye, guys,