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

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Speaker 1: the Order Kerni Whaltbury 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

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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

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Speaker 1: today 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 Money the podcast.

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Speaker 2: Next personal finance fun, especially on a Friday. It's our

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Speaker 2: favorite day of the week because we get to celebrate you, guys,

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Speaker 2: our incredible She's on the Money community. Miss Jess Gricie's

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Speaker 2: going to be sharing our favorite money wins. Miss Becksi

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Speaker 2: Ed has a number of good broke tips and we're

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Speaker 2: going to be helping to answer a money dilemma, which

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Speaker 2: is this week all about building a healthy relationship with

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Speaker 2: money and something that you slid into our dms about

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Speaker 2: whether you should be tipping at restaurants or is that

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Speaker 2: in Australia just performative generosity. Oh, I think it's an

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Speaker 2: interesting concept in a cost of living crisis.

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Speaker 4: Definitely.

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Speaker 2: Anyway, before we get there, guys, how have your week's been.

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Speaker 5: My week's been good, nothing too exciting to report, to

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Speaker 5: be honest, just bubbing a lot.

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Speaker 2: The fourth of July? Do you celebrate the fourth of July?

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Speaker 2: Any type of celebration is just coded.

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Speaker 5: Fourth of July is like American Independence Days. That's a

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Speaker 5: stretch even for me.

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Speaker 2: Yeah, okay, so but we will embrace like Halloween and Thanksgiving.

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Speaker 5: Yes, yeah, even Thanksgiving arguably is a stretch. But independency.

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Speaker 2: We don't friends.

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Speaker 4: I see, we do friends.

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Speaker 2: We do friends giving, and it would be rude not to.

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Speaker 2: I feel like it's been a while since we've had

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Speaker 2: a proper friends giving. We need banana pudding, we need

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Speaker 2: pump can park, we need your turkey, like we need to.

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Speaker 2: Let's organize that, all right, we'll get it in the

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Speaker 2: calendar soon.

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Speaker 4: Yeah, I think that sounds lovely. How's your weekend? Lovely week?

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Speaker 4: As you guys know, tax time my favorite time of year.

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Speaker 4: And you're like, I can put my tax returning. Yes, sir,

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Speaker 4: I don't know how much I'm getting back yet, but

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Speaker 4: I'm so excited i can barely focus on anything else.

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Speaker 4: I'm really excited.

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Speaker 2: I'm I've got to tell you.

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Speaker 4: Guys, I am now like nine weeks into a very

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Speaker 4: It's not like very intensive, but it's like it's this

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Speaker 4: strength training thing that, okay, going, are you really strong?

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Speaker 2: I think I feel a lot stronger. You've got a

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Speaker 2: sleeper body under there.

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Speaker 4: Yeah, I really would. That's what I want. That's what

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Speaker 4: I want. I want people to be like, oh, you

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Speaker 4: don't look jacked, and then I yeah, they call out

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Speaker 4: these these guns. So I'm feeling I'm honestly feeling really good,

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Speaker 4: like I've never stuck to anything this long.

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Speaker 2: And us I'm impressed with you.

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Speaker 4: Thank you, thank you guys.

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Speaker 2: So yeah, great, great, great, great, great week. How do

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Speaker 2: you be BEENVD It's been really good. It's been actually

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Speaker 2: really busy. You probably haven't seen me in the office

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Speaker 2: recently because I have been in Sydney and I've been

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Speaker 2: doing a lot of work for Amazon, which has honestly

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Speaker 2: been a little bit of a flex because I've gotten

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Speaker 2: to go on TV and stuff. But I'm so excited

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Speaker 2: about it. I was talking to them about you, Jess.

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Speaker 2: You came up in conversation literally a few times because

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Speaker 2: we were talking about how most people who go and

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Speaker 2: shop the Amazon Prime sale they actually wait until like

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Speaker 2: midnight to get the best deals. And they were like, oh,

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Speaker 2: you probably don't know this, V but like, did you know?

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Speaker 2: And I was like, oh, no, I know, miss Jessica

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Speaker 2: Ricci is on my team, and you have been known

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Speaker 2: to wait till midnight to get the best Prime deals.

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Speaker 4: I do love a Prime nay, truly right.

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Speaker 2: And I was like, no, no, no, I know this

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Speaker 2: and I've known this for years. Queens Anyway, I have

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Speaker 2: been loving this whole Prime conversation because Prime Day has

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Speaker 2: actually been extended so this year they've decided instead of

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Speaker 2: just like one day, Jess You're probably gonna love this

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Speaker 2: as well, they are actually doing seven days of deals.

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Speaker 2: And the reason they're doing this is to really extend

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Speaker 2: out our ability to make decisions. We know we're in

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Speaker 2: the middle of a cost of living crisis, and I

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Speaker 2: think sometimes having so much pressure on ourselves to go,

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Speaker 2: oh my gosh, a deal we need to get in,

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Speaker 2: we need to get in Prime Day is now running

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Speaker 2: from the eighth to the fourteenth of July, which means

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Speaker 2: we can actually make really considered purchases, Like we can

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Speaker 2: fill up our carts, see what the total is. We

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Speaker 2: don't have to click check out or you can do

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Speaker 2: what I've done, and I've like pre filled my cart

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Speaker 2: and I'm literally just waiting until Prime Day comes because

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Speaker 2: i know my cart's going to discount and then I'm

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Speaker 2: going to hit check out. But I've been able to

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Speaker 2: kind of create a wish list or create my shopping list,

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Speaker 2: and it's like sorry, Jess, but not full of all

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Speaker 2: of the fun stuff that you might be looking at.

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Speaker 2: I've got Omo tablets, I've got nappies, I've got all

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Speaker 2: of the stuff that I know I want to stock

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Speaker 2: up on and kind of like maybe hoard a little,

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Speaker 2: like get a few in the bank so that I

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Speaker 2: get a really good deal on them. But I know

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Speaker 2: that Prime Day is going to be the perfect time

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Speaker 2: to make the most of it.

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Speaker 4: And you don't even have to carry it home because

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Speaker 4: I have truly.

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Speaker 2: To my door like that's the best you'll ever and

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Speaker 2: because I'm a prime buf free shipping, we love that

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Speaker 2: money win. But you know what is impressive Favesta reviews.

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Speaker 2: Would you like one?

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Speaker 4: Yes, Pea.

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Speaker 2: This one is from Mushi. I've been following you guys

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Speaker 2: for maybe two years now. I always watch out for

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Speaker 2: new episodes, watching the old one while I wait. I'm

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Speaker 2: a single mum of three for five years now. Your

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Speaker 2: podcasts have helped me in so many ways. I work

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Speaker 2: three days study in between whilst also running my side

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Speaker 2: hustle business reselling, smashing my goals. After one of your

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Speaker 2: podcasts this week, I emailed my boss for a pay

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Speaker 2: rise and instantly got four dollars more per hour. I

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Speaker 2: love you guys and all that you do having to

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Speaker 2: do the confrontational like hey, I was just thinking you

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Speaker 2: just emailed and got some more money, So good for you.

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Speaker 2: I love that and thank you so good. All right, Jess,

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Speaker 2: tell me what is the community doing? What are some

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Speaker 2: money wins and confessions that you're going to share this week?

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Speaker 4: All right?

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Speaker 5: Firstly, this week I have one from Carli who said

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Speaker 5: she thought her coffee machine was broken. I was seven

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Speaker 5: years old and it wouldn't blend the coffee through anymore.

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Speaker 5: Then she figured out that apparently needs to clean the

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Speaker 5: filter thing.

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Speaker 2: She'd cried because she.

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Speaker 5: Thought it was broken. Then she gave it a good

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Speaker 5: old clean out and it still works. She's still got

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Speaker 5: life seven years later. I have that happened with my dryer.

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Speaker 5: I was like, the dryer is not drying. Turns out.

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Speaker 2: I just you need to empty the condense.

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Speaker 4: Huh.

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Speaker 5: I don't know what it was, but I need to

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Speaker 5: empty something. Cleaning things people is the moral of the story. Next,

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Speaker 5: I've got a money win from Lauren, who said money win.

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Speaker 5: She got three macas apple pies completely for free using

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Speaker 5: kischen from the my mac Is app. She said she

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Speaker 5: had to go into the store to get them and

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Speaker 5: order them in three separate transactions because you can't add

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Speaker 5: more than one item using points per order.

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Speaker 4: But she said a win is a win. Her and

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Speaker 4: the kids enjoyed the little free.

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Speaker 2: I feel like an apple pie from McDonald's is slept

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Speaker 2: on so good. I don't think we all have that

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Speaker 2: experience of biting into one when you shouldn't have been

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Speaker 2: into it because it was too fresh, and getting that

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Speaker 2: sticky stuff on the top of your mouth.

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Speaker 4: In a pig and then a soft serve and you.

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Speaker 2: Crushed them together. After this absolutely.

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Speaker 5: Next, I've got a money win from Catherine, who said

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Speaker 5: money win. My usual quarterly gas bill is around one

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Speaker 5: hundred and forty dollars. Last week she got a bill

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Speaker 5: for a whopping four hundred and fifty seven. She did

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Speaker 5: some investigating and discovered that they misread her meter. I

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Speaker 5: mean that's a good deal issued her a new bill

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Speaker 5: for one hundred and thirty seven dollars instead. Catherine then

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Speaker 5: said not good enough. She asked them for a credit

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Speaker 5: for the inconvenience, and they gave her forty bucks off her.

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Speaker 2: Next bile, that's so sorry. I able to do your

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Speaker 2: homework for you. What are you paying me?

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Speaker 4: It is actually iconic.

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Speaker 2: That is so iconic.

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Speaker 4: FI that went away everybody.

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Speaker 2: Yes, anytime you're inconvenienced, it's paid to play, baby definitely.

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Speaker 4: Next, I've got a money win from Alessia, who said

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Speaker 4: money win. Our sad.

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Speaker 5: Some TV stopped working and I started freaking out because

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Speaker 5: I didn't take out the extra warranty and they had

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Speaker 5: just ticked over the.

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Speaker 2: Twelve dons always the way though.

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Speaker 4: She said.

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Speaker 5: She went into store to ask if they could recommend

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Speaker 5: a local repair person, which they did, and the guy

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Speaker 5: turned out to be a legend because he let her

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Speaker 5: know all about consumer guarantees and the a triple C.

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Speaker 5: He recommended that he called the company, gave them a

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Speaker 5: script to follow, and Samsung booked free repairs for them,

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Speaker 5: which ended up being with the same guy.

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Speaker 4: The TV's fixed. It didn't cost them ascent.

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Speaker 5: This is my reminder when shops try to say, hey,

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Speaker 5: your warranties only for twelve months, do you want to

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Speaker 5: buy an extra warranty for another twelve months for one hundred

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Speaker 5: dollars scam? You are covered by a triple C. If

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Speaker 5: you don't look it up. It's the Australian Consumer Something

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Speaker 5: Something Consumer Affairs website. If you spend a lot of

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Speaker 5: money on something, it's basically like the expectation how long

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Speaker 5: it would last is relative to how much you spent.

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Speaker 5: So even if the company says, oh, one year warranty,

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Speaker 5: they're lying like you can actually like, if you spent

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Speaker 5: three thousand dollars a TV, it's a reasonable to expect.

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Speaker 2: It to spend in three thousand dollars on TV's.

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Speaker 5: TV's a I really want to frame and they are

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Speaker 5: very exceens your warranties.

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Speaker 4: People don't fall for it.

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Speaker 2: I agree, I aggress. She says it's a scam.

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Speaker 4: Yeah, but I trust that. Yeah, coming from you and.

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Speaker 2: I anything, jess says, I must be gospel and the repair.

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Speaker 4: That sounds so lovely. Like you could have said, oh,

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Speaker 4: give me the money, but he said no, no, let

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Speaker 4: me help you, which is really appreciate. What a king.

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Speaker 2: He's a girl's girl.

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Speaker 4: Here's a girl's girl.

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Speaker 5: And then lastly, this week, I have a money win

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Speaker 5: from Jessica great name, who said money win. I got

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Speaker 5: a nine hundred dollars retention bonus in my pay that

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Speaker 5: I had no idea I was getting.

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Speaker 4: Oh that's so little treat.

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Speaker 2: That mean they're just paying you to stay with the company.

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Speaker 2: They're like, oh, you stayed with us for twelve months

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Speaker 2: or whatever, so they give you a bonus. But I'd

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Speaker 2: still find a new job. Nine hundred dollars, Yes, money win,

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Speaker 2: but like I can't be bought for that amount. Sorry, Jess,

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Speaker 2: I could be brought for.

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Speaker 4: Lackey win.

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Speaker 2: I've got to go back to doing some business financial

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Speaker 2: court if you got when it comes to broke tips.

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Speaker 4: So these ones I got from the thread on the

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Speaker 4: Shoes on the Money Facebook group. This first one comes

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Speaker 4: from Riss, who says, if she gets bored she walks

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Speaker 4: the dog and goes and finds cans see if she

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Speaker 4: can budget and beat it each time, which I think

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Speaker 4: it's a great idea. So it's two things. It's getting

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Speaker 4: your walk and it's getting his steps up pot girl

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Speaker 4: walk and also finding cans, which I know I have

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Speaker 4: mentioned before as a broke tip, finding cans, seeking them

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Speaker 4: to that little dispenser thing.

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Speaker 2: So you get cash for it, and you get cash

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Speaker 2: for it, cash for cans, cash for cans.

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Speaker 4: But this is the other thing, is that, like I

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Speaker 4: think I mentioned ages ago about going on like color walks,

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Speaker 4: which she's like, I'm going to look out for everything

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Speaker 4: that is red and it keeps you mindful. Now, what

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Speaker 4: we're going to do is go and look for canned

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Speaker 4: bottles and cans. I don't know if it's legal.

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Speaker 2: Or not, but I'm sure if you're picking up No.

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Speaker 4: Not that part, sorry, because I was gonna say it's

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Speaker 4: illegal or not, but like maybe even look at in Bin's.

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Speaker 2: Is that illegal? I don't think you're meant to.

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Speaker 4: Okay, okay, okay.

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Speaker 5: But that if you get them off the ground. I

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Speaker 5: think there's always ones around like trade that.

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Speaker 2: Because people, yes, yeah, and train stations. This is what

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Speaker 2: you could do just taking Just go get a really

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Speaker 2: big cardboard box and market can donations. Put it at

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Speaker 2: the train station. People put all their stuff in it

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Speaker 2: and you just go get it once a week. Dream

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Speaker 2: good and some of the business. Lady, if it.

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Speaker 4: Is taken by someone, probably is someone in need. So

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Speaker 4: I think it's also doing something really good for the community.

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Speaker 4: Great victorious can donation system. I love it.

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Speaker 5: I love it.

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Speaker 2: To work on that. Okay.

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Speaker 4: The next one comes from Steph who says, check what

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Speaker 4: incentives your local council offers. We are doing some landscaping.

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Speaker 4: We were able to get fifty plus plants mulch, soil conditioner,

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Speaker 4: et cetera for free from the council as part of

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Speaker 4: their Verge program as a free tree to plant in

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Speaker 4: our private property. There are the scounts and freebies offered

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Speaker 4: to guarding is just on our mind currently.

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Speaker 2: I love which I think is so good.

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Speaker 5: Can I add to that, please check your local council

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Speaker 5: for free courses because I've just signed up for a

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Speaker 5: ten weeks so in course and it cost me fifty

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Speaker 5: It was a week ten weeks, like thirty hours of

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Speaker 5: that learning.

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Speaker 2: So cool.

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Speaker 5: Fifty and that includes my materials and you just whoa

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Speaker 5: what Yeah, and you just know that there is some

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Speaker 5: sweet old lady who's going to run that for you.

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Speaker 2: It's going to be like n is teaching. So excited.

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Speaker 5: I think it'll be lovely. They do all they do

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Speaker 5: different levels for the swing. They do cake decorating that

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Speaker 5: I want.

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Speaker 4: To do next.

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Speaker 5: There was heaps of courses at my log so check

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Speaker 5: your count in your area.

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Speaker 4: Absolutely, that's so cutely, your friend, you can come with.

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Speaker 2: Me, my god, yes, just as housepeak exactly.

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Speaker 4: That is so cute. Yes, okay, my one. This sounds familiar,

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Speaker 4: so it stop me if I've said.

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Speaker 2: This before, but I had to ask her. I have

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Speaker 2: so ubery love.

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Speaker 3: Yes.

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Speaker 4: I know that if you're broke, you probably won't be

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Speaker 4: ordering uber Eats, but I have spent my last money

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Speaker 4: on uberes before, and I think, treat yourself, you know

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Speaker 4: what I mean, Like it's tiring being broke.

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Speaker 2: When uberats comes sometimes it's not that good, or it's cold,

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Speaker 2: or your delivery person took six years. Like you're spending

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Speaker 2: your last money. It could be on disappointment.

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Speaker 4: Well that's true, but still it's like, oh, I don't

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Speaker 4: have to think about it tonight. You know, it's like

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Speaker 4: that is one load off. But anyway, sometimes if when

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Speaker 4: I Uber eats, I'm like, I really I really want

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Speaker 4: like Macers, but I also really need to get all

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Speaker 4: of these groceries. And so if you buy something, if

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Speaker 4: you buy anything on u breeds, that like the next

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Speaker 4: section where you're waiting for your order, it will come

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Speaker 4: up with like all these different places that are like

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Speaker 4: free delivery because it's like on the way you know

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Speaker 4: you've seen that, yes, yeah, what I mean. So what

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Speaker 4: I do when I'm in that situation, like I know

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Speaker 4: I'm probably gonna spend a lot of money. I don't

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Speaker 4: really care because I'm like, you know, it's my last money.

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Speaker 4: I don't care. I'm buying from the place with the

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Speaker 4: least expensive delivery. So I'm getting Macers and I'm going

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Speaker 4: to Coals as well. On uber eats, if Coals is

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Speaker 4: four forty nine delivery and Macas is two dollars delivery,

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Speaker 4: I'm doing two dollars delivery. And then the next page

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Speaker 4: will be you're adding on your coals coals because you're

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Speaker 4: not got a new breads strategy. Yes, so always do

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Speaker 4: the cheapest delivery. This is I guess only relevant if

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Speaker 4: you're doing.

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Speaker 2: Two different What if on the next page Coals doesn't

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Speaker 2: come up?

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Speaker 4: It almost certainly will. But it's like you know you're

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Speaker 4: seeing you live in.

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Speaker 2: A really urban area.

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Speaker 4: Okay, if you live in an urban area, there will

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Speaker 4: be your seven elevens, there will be your service stations.

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Speaker 4: It is everything so expandia always an IgA.

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Speaker 2: You know what, we can go back to that friend

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Speaker 2: who goes on a walk and collects cans. You can

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Speaker 2: go on a walk and go to the supermarket. What

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Speaker 2: if it's so far, No, it's reading. No, I've got

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Speaker 2: to be Devil's advocate here. And you're not spenting your

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Speaker 2: last money on McDonald's and then on going to the supermarket,

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Speaker 2: and I just know you're not buying you're not buying staples.

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Speaker 2: I just know it.

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Speaker 4: It's a keeping my nain flight.

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Speaker 5: The prices on new breeds so that they do as

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Speaker 5: you save in delivery are probably playing more than that

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Speaker 5: for like expensive grocery costs.

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Speaker 4: No, that's very true.

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Speaker 2: That's very true.

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Speaker 4: Or that's the other things that the milk Run.

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Speaker 2: We should contact them because milk Run, I'm in a

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Speaker 2: very committed relationship with you right now. No, inflated prices

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Speaker 2: straight from more Worths Love. That's true.

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Speaker 4: And if you're going to a restaurant or something, check

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Speaker 4: the prices on the menu on their website first because

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Speaker 4: sometimes the things are really like three dollars more on

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Speaker 4: ubreeds and stuff like that. So it's true, it's worth

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Speaker 4: doing that. But if you're tired from hustling, hustling, hustling

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Speaker 4: because got mission so broke, just treat yourself, you know

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Speaker 4: what I mean.

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Speaker 2: Do as Beck says, not as Victoria and Jess would say.

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Speaker 2: That's me for this week. I'm eating frozen bread. Yeah,

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Speaker 2: don't get and not hitting up so true.

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Speaker 5: True.

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Speaker 2: All right, let's go to a really quick break because

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Speaker 2: on the flip side, we're going to be talking about

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Speaker 2: building a healthy relationship with money, and this week someone

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Speaker 2: slid into our dms about whether you should be tipping

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Speaker 2: at restaurants or is that while we're in Australia, just

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Speaker 2: performative generosity, So guys, don't go anywhere.

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Speaker 4: Welcome back, everybody. Let's take a listen to this week's

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Speaker 4: money dilemma.

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Speaker 2: Hi, there, have you got a money dilemma you just

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00:16:16,760 --> 00:16:19,280
Speaker 2: can't solve the She's on the money team. Is here

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00:16:19,280 --> 00:16:22,520
Speaker 2: to help. Every week, we tackle your dilemmas, both big

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Speaker 2: and small, to answer your most burning money, career and

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Speaker 2: life questions. To get involved, simply head to our website

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Speaker 2: and leave us a short voice recording and you might

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00:16:30,760 --> 00:16:33,280
Speaker 2: just find yourself on the show. Now, let's take a

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Speaker 2: listen to this week's money dilemma.

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Speaker 6: Hi everyone, thank you for listening to my question. I

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Speaker 6: was just wondering how to deal with money trauma and

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Speaker 6: going from like one extreme to the other. So I

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Speaker 6: grew up supporting my parents financially, and they still owe

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Speaker 6: me a substantial amount of money which I won't ever see.

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Speaker 6: I'm totally okay with that. But now as I've finished

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Speaker 6: Junie and I'm in a.

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Speaker 7: Really good role and my first big girl wage, you know,

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Speaker 7: just hit my first ten thousand dollars in savings, which

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Speaker 7: was huge for me. I've come into a relationship with

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Speaker 7: my partner and she has quite a lot of debt,

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Speaker 7: but it's all quite short term, so I reckon within

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Speaker 7: the next five years it won't even be affecting us anymore.

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Speaker 7: But I guess my question is she's got it extremely

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Speaker 7: stable income in the defense, she's probably never going to

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Speaker 7: leave I've got a super stable income, We've got money

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Speaker 7: coming in, a lot of it's going to debts right

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Speaker 7: now and paying those down. I'm just struggling to spend

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Speaker 7: money on little luxuries, you know, like I've got my

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Speaker 7: gym membership and we've got like a small coffee allowance.

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Speaker 6: But I'm just.

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Speaker 7: Trying to work out how to have a healthy relationship

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Speaker 7: knowing that we've got money coming in and that part

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Speaker 7: of living life is also spending money. I feel like

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Speaker 7: I've swung so far the other way, and my poor

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Speaker 7: partner is trying to encourage me that we can have

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Speaker 7: a healthy relationship with money, but that does also involve

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Speaker 7: spending sometimes too.

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Speaker 6: Any help would be amazing.

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Speaker 4: Such a fair question. Also, congrats on your first ten

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Speaker 4: kg is so huge. I totally get it. Like it's

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Speaker 4: a really tricky one because it's all about, like literally

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00:18:13,160 --> 00:18:15,760
Speaker 4: you have to rewire your brain when it comes to

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Speaker 4: finances and stuff like that, which probably calls for therapy

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Speaker 4: of some kind. I guess that's, you know, a longer process. Also,

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Speaker 4: really sorry to hear about the relationship who will, in

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Speaker 4: particular the financial relationship you have with your parents. I

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Speaker 4: can imagine that would Yeah, definitely kind of warp your

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Speaker 4: view of finances and stuff like that, for sure.

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Speaker 2: So that is a really tricky one.

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Speaker 4: But I think that, like, first of all, slow and steady.

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Speaker 4: Sometimes we don't even we're doing something. There's a pattern

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Speaker 4: of behavior, we're not even aware of it, and then

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Speaker 4: we are aware of it, we don't think there's any progress.

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Speaker 4: Being aware of this pattern is progress, and slowly slowly,

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Speaker 4: especially if you're actively working toward trying to be more

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Speaker 4: comfortable with things that is already progressed, just being weird,

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Speaker 4: just being conscious of that.

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Speaker 2: That is really good.

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Speaker 4: So congrats on that, because I'm on the other end

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Speaker 4: where I spend so much and I don't I shouldn't be,

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Speaker 4: and I all my money's gone by the first week

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Speaker 4: of my monthly pay cycle, and so I wou'd have

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Speaker 4: a lot of advice on.

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Speaker 2: How to spend more.

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Speaker 4: But all I want to say is congrats on your

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Speaker 4: first thing k and realizing this pattern is progress and

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Speaker 4: you're going to get there. I'm so sorry. I'm not

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Speaker 4: helpful at all.

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Speaker 2: No, I think that was helpful as well, because I

437
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Speaker 2: think it's just like we all have such diverse opinions

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Speaker 2: and at the end of the day. There's actually no

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Speaker 2: right or wrong when it comes to money, Like there

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Speaker 2: is what you deem to be comfortable with money, and

441
00:19:45,040 --> 00:19:47,840
Speaker 2: like I would say that I have a relatively healthy

442
00:19:47,880 --> 00:19:50,640
Speaker 2: relationship with money, But then you might also say back,

443
00:19:50,720 --> 00:19:53,240
Speaker 2: you have a relatively healthy relationship with money because you're like, yeah,

444
00:19:53,240 --> 00:19:54,600
Speaker 2: I don't let it impact me in the way it

445
00:19:54,640 --> 00:19:57,399
Speaker 2: impacts other people. But then other people might look at

446
00:19:57,440 --> 00:19:59,560
Speaker 2: you and be like, well, she doesn't have heaps of savings.

447
00:19:59,600 --> 00:20:02,760
Speaker 2: She's not, you know, budgeting in the way that we would,

448
00:20:02,880 --> 00:20:05,159
Speaker 2: and they might call it unhealthy. So it's just like

449
00:20:05,359 --> 00:20:07,359
Speaker 2: what works for you might not work for the like

450
00:20:07,480 --> 00:20:11,320
Speaker 2: the next person, Jess, how would you develop a healthy

451
00:20:11,400 --> 00:20:13,360
Speaker 2: relationship with money or how have you done that over

452
00:20:13,359 --> 00:20:14,240
Speaker 2: the last years.

453
00:20:14,280 --> 00:20:17,800
Speaker 5: I think I would definitely echo Beck in saying therapy

454
00:20:17,920 --> 00:20:20,919
Speaker 5: or counseling I think would be really helpful in relation

455
00:20:21,040 --> 00:20:24,600
Speaker 5: to your finances, maybe even in relation to unpacking some

456
00:20:24,680 --> 00:20:28,480
Speaker 5: things with your familial relationships too. I think that I

457
00:20:28,480 --> 00:20:30,320
Speaker 5: don't think therapy is ever a bad thing. I know

458
00:20:30,400 --> 00:20:32,760
Speaker 5: that it's expective. But money well spent is my opinion.

459
00:20:33,200 --> 00:20:36,000
Speaker 5: I would say, be conscious, and it sounds like you

460
00:20:36,200 --> 00:20:38,159
Speaker 5: very much are as someone who grew up with not

461
00:20:38,200 --> 00:20:40,680
Speaker 5: a lot of money. When I got my first corporate

462
00:20:40,720 --> 00:20:43,280
Speaker 5: job and I was earning my first big girl age,

463
00:20:43,480 --> 00:20:45,800
Speaker 5: I swung really heavily the other way, and I too,

464
00:20:46,040 --> 00:20:48,359
Speaker 5: called it beck and I spent like crazy and I

465
00:20:48,400 --> 00:20:51,800
Speaker 5: lived my best life, and I don't necessarily regret it,

466
00:20:51,920 --> 00:20:54,479
Speaker 5: but it didn't set me up in the way that

467
00:20:54,680 --> 00:20:57,520
Speaker 5: you know, with hindsight and a level of financial now, you.

468
00:20:57,480 --> 00:20:59,400
Speaker 2: Needed to learn then, like me, you and I both

469
00:20:59,440 --> 00:21:01,760
Speaker 2: needed to learn. Yeah, it feels like to not be

470
00:21:01,840 --> 00:21:03,960
Speaker 2: good at money so that we don't do it again.

471
00:21:04,119 --> 00:21:06,080
Speaker 5: Yeah, it's you know, it's a part of my journey

472
00:21:06,080 --> 00:21:08,080
Speaker 5: and I don't regret it, but it's just I think

473
00:21:08,320 --> 00:21:10,800
Speaker 5: it's a very common pattern, as you were saying, to

474
00:21:10,840 --> 00:21:12,479
Speaker 5: go from one extreme to the other. So it's good

475
00:21:12,520 --> 00:21:16,560
Speaker 5: that you're thinking about it. My suggestion would be, you've

476
00:21:16,640 --> 00:21:19,000
Speaker 5: saved your thirsty ten thousand, which is amazing. Have you

477
00:21:19,080 --> 00:21:22,439
Speaker 5: worked out what a good emergency fund looks like for you?

478
00:21:22,520 --> 00:21:24,840
Speaker 5: So have you figured out what expenses you would need

479
00:21:24,880 --> 00:21:27,480
Speaker 5: to cover for say six months, Because I think a

480
00:21:27,520 --> 00:21:31,120
Speaker 5: lot of money anxiety in my experience comes from the

481
00:21:31,280 --> 00:21:33,840
Speaker 5: scarcity mindset of going, well, what if I lost my

482
00:21:33,880 --> 00:21:35,199
Speaker 5: job tomorrow and all of a sudden, I had no

483
00:21:35,240 --> 00:21:38,840
Speaker 5: money again. So having your emergency fund can really negate

484
00:21:39,040 --> 00:21:43,240
Speaker 5: that stress. And then in terms of encouraging yourself to spend,

485
00:21:43,320 --> 00:21:46,120
Speaker 5: I would say budgeted in so within my budget, as

486
00:21:46,119 --> 00:21:48,399
Speaker 5: you guys know, I have like fifteen Savers accounts, so

487
00:21:48,440 --> 00:21:52,199
Speaker 5: I have allocated money to spend on cloaks. Specifically, I

488
00:21:52,240 --> 00:21:55,880
Speaker 5: have allocated money to spend on beauty treatments. So think

489
00:21:55,920 --> 00:21:57,919
Speaker 5: about what would you like to be spending on, like

490
00:21:57,920 --> 00:21:59,760
Speaker 5: what areas of your life, you know, is it dinner

491
00:21:59,800 --> 00:22:02,199
Speaker 5: with friends or whatever. And then once you work that

492
00:22:02,240 --> 00:22:05,400
Speaker 5: into your budget, you will hopefully be able to spend

493
00:22:05,440 --> 00:22:07,800
Speaker 5: it a little bit guilt free because you've accounted for it,

494
00:22:07,880 --> 00:22:08,720
Speaker 5: like you figured it out.

495
00:22:08,720 --> 00:22:09,160
Speaker 4: It's there.

496
00:22:09,680 --> 00:22:11,959
Speaker 5: You don't have to stress because you've worked into your budget.

497
00:22:11,960 --> 00:22:14,240
Speaker 5: Maybe you've got your emergency fund building in the background,

498
00:22:14,280 --> 00:22:17,160
Speaker 5: so you know that God forbid something happens, you're all sorted.

499
00:22:17,560 --> 00:22:20,520
Speaker 5: It's just kind of building a structure. I think that

500
00:22:21,040 --> 00:22:24,359
Speaker 5: is going to give your brain security and then over

501
00:22:24,440 --> 00:22:27,760
Speaker 5: time hopefully you'll loosen up and you'll become more comfortable

502
00:22:27,800 --> 00:22:29,959
Speaker 5: with those things. But I do still think that therapy

503
00:22:29,960 --> 00:22:32,520
Speaker 5: can also really help to turbocharge that.

504
00:22:32,960 --> 00:22:36,679
Speaker 2: Yeah, I guess I'm of the same mindset. To me,

505
00:22:36,920 --> 00:22:40,360
Speaker 2: developing a healthy relationship with money is about honesty, it's

506
00:22:40,359 --> 00:22:43,640
Speaker 2: about transparency, and it's about I would say, a really

507
00:22:43,640 --> 00:22:46,840
Speaker 2: good level of self awareness. And I need you to

508
00:22:46,960 --> 00:22:50,119
Speaker 2: understand your money story. First episode on the podcast is

509
00:22:50,160 --> 00:22:53,040
Speaker 2: about money stories. Look up money stories on our show

510
00:22:53,359 --> 00:22:56,160
Speaker 2: and listen to that. You need to understand where you've

511
00:22:56,160 --> 00:22:59,320
Speaker 2: come from, to understand the beliefs you hold today and

512
00:22:59,359 --> 00:23:01,639
Speaker 2: what you've double along the way that might be serving

513
00:23:01,680 --> 00:23:04,840
Speaker 2: you or what you need to rewrite and go okay, cool,

514
00:23:04,880 --> 00:23:07,720
Speaker 2: Like this isn't serving me. I think for me, it's

515
00:23:07,720 --> 00:23:12,919
Speaker 2: about not necessarily needing to be perfect or never spending,

516
00:23:13,000 --> 00:23:17,280
Speaker 2: but rather understanding or what is intentional, what is informed,

517
00:23:17,400 --> 00:23:19,840
Speaker 2: what is putting me in the best possible position? And

518
00:23:20,280 --> 00:23:24,080
Speaker 2: asking yourself the question am I currently being kind to myself?

519
00:23:24,600 --> 00:23:24,679
Speaker 1: Like?

520
00:23:24,760 --> 00:23:28,240
Speaker 2: Cause if being restrictive, is you going, no, I'm being

521
00:23:28,280 --> 00:23:31,480
Speaker 2: so kind to myself and putting future me first? Or

522
00:23:31,520 --> 00:23:33,600
Speaker 2: on the flip side, you're like, no, I'm really missing

523
00:23:33,600 --> 00:23:36,600
Speaker 2: out and not having a good time, Like are your

524
00:23:36,640 --> 00:23:40,040
Speaker 2: money habits kind to you? Like? Are you putting yourself

525
00:23:40,040 --> 00:23:42,240
Speaker 2: in the best possible position. What does that look like?

526
00:23:42,359 --> 00:23:46,080
Speaker 2: Are you being intentional? Are you being informed? And that

527
00:23:46,280 --> 00:23:47,400
Speaker 2: kind to yourself thing?

528
00:23:47,440 --> 00:23:47,520
Speaker 1: Like?

529
00:23:47,560 --> 00:23:49,800
Speaker 2: Once you understand that, I think that you're able to

530
00:23:49,800 --> 00:23:52,760
Speaker 2: then build a bit more confidence because you'll be like, no,

531
00:23:52,840 --> 00:23:54,800
Speaker 2: I do have conviction in the way that I'm spending

532
00:23:54,920 --> 00:23:57,239
Speaker 2: or the decisions that I'm making. It doesn't matter that

533
00:23:57,240 --> 00:23:59,439
Speaker 2: nobody else does it this way. It works for me.

534
00:24:00,000 --> 00:24:03,320
Speaker 2: I think that that helps you to control your financial

535
00:24:03,359 --> 00:24:05,879
Speaker 2: life over time. And if you're saying I need to

536
00:24:05,880 --> 00:24:07,760
Speaker 2: be kinder to myself, which is what I'm kind of

537
00:24:07,800 --> 00:24:10,639
Speaker 2: hearing in this story, then what do you need to

538
00:24:10,680 --> 00:24:12,879
Speaker 2: rewrite to be able to be kinder to yourself? Do

539
00:24:12,920 --> 00:24:15,480
Speaker 2: you need to be more clear on your budget? Are

540
00:24:15,520 --> 00:24:17,840
Speaker 2: you aware of what's coming in and you have this budget,

541
00:24:17,840 --> 00:24:20,920
Speaker 2: but you're not very good at sticking at it? Are you,

542
00:24:20,920 --> 00:24:23,479
Speaker 2: you know, maybe not being kind to yourself because you're like, no,

543
00:24:23,560 --> 00:24:25,600
Speaker 2: we got into all this personal debt and I don't

544
00:24:25,600 --> 00:24:28,800
Speaker 2: deserve to spend money on nice things. Yeah, we have

545
00:24:28,840 --> 00:24:30,879
Speaker 2: a coffee budget because we felt like we had to.

546
00:24:31,040 --> 00:24:34,359
Speaker 2: But what does that actually look like like? Do you

547
00:24:34,480 --> 00:24:36,840
Speaker 2: feel like you are living your best life? If not,

548
00:24:36,920 --> 00:24:39,800
Speaker 2: what does that look like while still prioritizing debt reduction

549
00:24:40,400 --> 00:24:42,040
Speaker 2: is probably where I'm at. I just had one more

550
00:24:42,040 --> 00:24:43,800
Speaker 2: thing to say. I love for you to say something else.

551
00:24:44,280 --> 00:24:47,879
Speaker 4: I feel like when I have if you change the

552
00:24:48,720 --> 00:24:52,960
Speaker 4: medium or something whatever the word is in which your money,

553
00:24:53,440 --> 00:24:55,719
Speaker 4: the money that you're spending comes in. For example, like

554
00:24:56,000 --> 00:24:57,720
Speaker 4: if you like, oh well, if I have a gift card,

555
00:24:57,720 --> 00:25:01,840
Speaker 4: I have no guilt with and paying and whatever for

556
00:25:02,200 --> 00:25:04,920
Speaker 4: like luxury items. So maybe you could like buy yourself.

557
00:25:04,920 --> 00:25:06,920
Speaker 4: You can set like an allocated amount and buy yourself

558
00:25:06,920 --> 00:25:09,480
Speaker 4: a MasterCard, gift card or something like that every month.

559
00:25:09,720 --> 00:25:12,640
Speaker 4: And then also sometimes with the places like shop back,

560
00:25:13,000 --> 00:25:14,760
Speaker 4: you can get like five percent cash back if you

561
00:25:14,760 --> 00:25:16,399
Speaker 4: buy a gift card through that after.

562
00:25:16,280 --> 00:25:16,919
Speaker 2: Like some of that.

563
00:25:17,040 --> 00:25:18,879
Speaker 4: So maybe like if it's in if it's in your

564
00:25:18,880 --> 00:25:21,760
Speaker 4: account and you're like, I feel really yucky spending this money,

565
00:25:21,960 --> 00:25:23,680
Speaker 4: buy a gift card and then you will be like, oh,

566
00:25:23,760 --> 00:25:27,040
Speaker 4: this is gift money or put it in cash.

567
00:25:26,880 --> 00:25:29,440
Speaker 2: Well, this is gold to yourself, Yes, do yourself.

568
00:25:29,640 --> 00:25:31,800
Speaker 4: Maybe that's easier, Maybe it's easier to part with when

569
00:25:31,800 --> 00:25:35,360
Speaker 4: it's also like let's say coffee is your trigger, right

570
00:25:35,400 --> 00:25:37,320
Speaker 4: and you I'm pretending for a hot second, you go

571
00:25:37,320 --> 00:25:39,800
Speaker 4: to Starbucks every week, and you're like, no, I do

572
00:25:39,880 --> 00:25:41,720
Speaker 4: want to go to Starbucks every week, but I feel

573
00:25:41,720 --> 00:25:43,720
Speaker 4: so bad tapping my card all the time because I'm

574
00:25:43,720 --> 00:25:45,120
Speaker 4: so worried I'll go over budget.

575
00:25:45,359 --> 00:25:47,960
Speaker 2: Maybe you budget one hundred dollars for coffee that month,

576
00:25:48,160 --> 00:25:50,199
Speaker 2: go and buy one hundred dollars gift certificate. You use

577
00:25:50,240 --> 00:25:52,719
Speaker 2: your shop that get five percent back. Know what's on

578
00:25:52,760 --> 00:25:54,680
Speaker 2: that gift card, and every time you get your coffee,

579
00:25:54,800 --> 00:25:56,800
Speaker 2: just use that gift card because that's your coffee money.

580
00:25:56,840 --> 00:26:00,159
Speaker 2: When it's gone, it's gone, exactly exactly you work for you.

581
00:26:00,160 --> 00:26:02,560
Speaker 2: There's so many strategies. For some people, they'd be like,

582
00:26:02,640 --> 00:26:06,159
Speaker 2: that's an unnecessary hurdle. But then also, once the money's

583
00:26:06,200 --> 00:26:08,880
Speaker 2: on that gift card, sorry, it's already on the gift

584
00:26:08,920 --> 00:26:13,760
Speaker 2: card card at Starbucks. So maybe it's pushing you in

585
00:26:13,800 --> 00:26:15,280
Speaker 2: the right direction exactly.

586
00:26:15,440 --> 00:26:17,720
Speaker 4: Ray, have we got a juicy this week?

587
00:26:17,880 --> 00:26:20,840
Speaker 2: We actually do. And I'm just I'm so looking forward

588
00:26:20,880 --> 00:26:23,320
Speaker 2: to hearing your thoughts on this, because Jess, when we're

589
00:26:23,359 --> 00:26:25,320
Speaker 2: in the US, we struggled so much with what do

590
00:26:25,359 --> 00:26:27,000
Speaker 2: you tip? How do you tip? What does this mean?

591
00:26:27,040 --> 00:26:28,000
Speaker 2: How do we calculate it?

592
00:26:28,359 --> 00:26:28,439
Speaker 1: All?

593
00:26:28,520 --> 00:26:28,680
Speaker 6: Right?

594
00:26:28,720 --> 00:26:31,520
Speaker 2: Sit down. Hey, she's on the money, just writing into

595
00:26:31,520 --> 00:26:34,199
Speaker 2: be a bit pervy on where everyone sits on tipping,

596
00:26:34,440 --> 00:26:36,720
Speaker 2: So excited, thank you for writing in. I went out

597
00:26:36,760 --> 00:26:39,720
Speaker 2: for lunch with friends over the weekend. One friend totalled

598
00:26:39,800 --> 00:26:42,840
Speaker 2: everyone's share on an even split, and another chimed in

599
00:26:42,920 --> 00:26:46,240
Speaker 2: to check if we leave a tip. I'd actually been

600
00:26:46,280 --> 00:26:48,919
Speaker 2: talking to her earlier about how I don't think the

601
00:26:48,960 --> 00:26:51,760
Speaker 2: service was great, so tipping was not even on my radar,

602
00:26:52,000 --> 00:26:55,400
Speaker 2: and honestly I didn't think that they deserved one. When

603
00:26:55,400 --> 00:26:57,800
Speaker 2: it came to pay, we split it on the card machine,

604
00:26:57,840 --> 00:27:01,120
Speaker 2: so no group tip, but the terminal asked percentage to leave.

605
00:27:01,520 --> 00:27:04,240
Speaker 2: She tapped ten percent, and I suddenly felt so awkward

606
00:27:04,280 --> 00:27:06,720
Speaker 2: when I selected zero percent with the waiter's standing right

607
00:27:06,760 --> 00:27:10,480
Speaker 2: behind me. In that moment, it felt like performative generosity

608
00:27:10,560 --> 00:27:13,920
Speaker 2: and tipping just to look good. Is tipping ever a

609
00:27:13,920 --> 00:27:16,760
Speaker 2: thing in Australia? Or are we all just scared a

610
00:27:16,800 --> 00:27:17,640
Speaker 2: looking stingy?

611
00:27:19,320 --> 00:27:22,280
Speaker 4: I personally, and this is not very popular opinion, but

612
00:27:22,720 --> 00:27:25,840
Speaker 4: if tipping was a thing, it would for me personally,

613
00:27:25,880 --> 00:27:28,120
Speaker 4: wouldn't be based on customer service, because I'm like, someone's

614
00:27:28,160 --> 00:27:30,000
Speaker 4: probably haven't. Maybe someone on a bad day or maybe

615
00:27:30,000 --> 00:27:31,920
Speaker 4: they're just like, customer service is not their passion. I

616
00:27:31,960 --> 00:27:34,080
Speaker 4: don't want them to be like, because I know the

617
00:27:34,160 --> 00:27:37,520
Speaker 4: mental energy spent when you are, like, you've got to

618
00:27:37,720 --> 00:27:40,600
Speaker 4: maintain a certain level of energy and enthusiasm when you're like,

619
00:27:40,600 --> 00:27:42,199
Speaker 4: oh my god, I'm so tired. So I'm like, I

620
00:27:42,200 --> 00:27:44,119
Speaker 4: don't care how bad the customer service was. If it

621
00:27:44,160 --> 00:27:45,560
Speaker 4: was a thing, I would be tipping no matter what.

622
00:27:45,640 --> 00:27:51,880
Speaker 4: But anyway, that's beside the point. I guess I'm for tipping,

623
00:27:52,160 --> 00:27:54,520
Speaker 4: but I don't know that it goes to the person

624
00:27:54,560 --> 00:27:57,080
Speaker 4: who served you, Like we're not going to Australia, there's

625
00:27:57,119 --> 00:27:59,760
Speaker 4: no no dry like if you tip an add it

626
00:27:59,800 --> 00:28:02,280
Speaker 4: on at the f POS machine, like, does it just

627
00:28:02,320 --> 00:28:06,480
Speaker 4: get divided among every single staff member and therefore nigate

628
00:28:06,560 --> 00:28:08,199
Speaker 4: the fact that you wanted it to.

629
00:28:08,200 --> 00:28:10,960
Speaker 2: Go to that waiter or does it just go to

630
00:28:11,040 --> 00:28:13,560
Speaker 2: the house Because I have literally heard of people being like,

631
00:28:13,640 --> 00:28:15,720
Speaker 2: oh yeah, if we got tipped, like they said it

632
00:28:15,800 --> 00:28:18,320
Speaker 2: was unfair because like Jess got a tip that Beck

633
00:28:18,359 --> 00:28:20,439
Speaker 2: worked in the kitchen, so therefore she didn't so they

634
00:28:20,480 --> 00:28:21,000
Speaker 2: just kept it.

635
00:28:21,359 --> 00:28:24,159
Speaker 4: Like yeah, that's the other risky thing is that like

636
00:28:24,320 --> 00:28:26,720
Speaker 4: you know, yeah, if you're tipping one person and it

637
00:28:26,840 --> 00:28:30,360
Speaker 4: just kind of feels like I don't really like that

638
00:28:30,480 --> 00:28:32,680
Speaker 4: kind of thing because you're like, what if someone gets

639
00:28:32,680 --> 00:28:34,440
Speaker 4: one hundred bucks for the night, someone gets three hundred

640
00:28:34,440 --> 00:28:36,000
Speaker 4: dollars for the night. You know it's a bit. But

641
00:28:36,960 --> 00:28:38,720
Speaker 4: I think because we have like you know, award wages,

642
00:28:38,720 --> 00:28:41,320
Speaker 4: everyone's paid a minimum you know there should be and

643
00:28:41,360 --> 00:28:45,640
Speaker 4: then anything above that amazing. But I think that we

644
00:28:45,680 --> 00:28:47,360
Speaker 4: don't need to tip.

645
00:28:47,520 --> 00:28:50,000
Speaker 2: Have you ever tipped? Like is that something I do? Tip?

646
00:28:50,120 --> 00:28:53,720
Speaker 2: I have tipped, So, like, in what circumstance would you go, Oh,

647
00:28:53,800 --> 00:28:55,520
Speaker 2: I really want to leave a tip because I feel

648
00:28:55,560 --> 00:28:58,800
Speaker 2: like it's not like in Australia, we're not obligated in

649
00:28:58,840 --> 00:29:00,960
Speaker 2: the same way that in a mirror car tips make

650
00:29:01,040 --> 00:29:04,000
Speaker 2: up a very big portion of their income. R. So

651
00:29:04,360 --> 00:29:06,800
Speaker 2: when are you like, I'm gonna leave a cheeky little tip.

652
00:29:06,960 --> 00:29:09,440
Speaker 4: Well, first of all, it's if I have cash, I mean,

653
00:29:09,440 --> 00:29:11,080
Speaker 4: because I want to give it to the person. Yeah,

654
00:29:11,200 --> 00:29:13,520
Speaker 4: I don't want it to go to just whoever, likeah,

655
00:29:13,560 --> 00:29:14,960
Speaker 4: not that no one else is worthy, but like I

656
00:29:15,000 --> 00:29:15,560
Speaker 4: don't know where.

657
00:29:15,440 --> 00:29:18,320
Speaker 2: It's going, and that's that's the relationship I had with you.

658
00:29:18,440 --> 00:29:18,800
Speaker 1: Yeah.

659
00:29:18,840 --> 00:29:20,680
Speaker 4: And then also if I'm if I'm in a position

660
00:29:20,720 --> 00:29:23,720
Speaker 4: where I have a lot of like disposable income that

661
00:29:23,800 --> 00:29:25,920
Speaker 4: week for whatever reason, and all you've got to.

662
00:29:25,920 --> 00:29:28,040
Speaker 2: Get back on pay week, and you got to get

663
00:29:28,040 --> 00:29:28,640
Speaker 2: me on pay week.

664
00:29:28,720 --> 00:29:30,520
Speaker 4: And I don't really go out to eat often at

665
00:29:30,560 --> 00:29:33,320
Speaker 4: like fancy places. But yeah, I think it's it's got

666
00:29:33,320 --> 00:29:36,040
Speaker 4: to be all those three things together that work perfectly.

667
00:29:36,080 --> 00:29:38,160
Speaker 4: I'm like, yeah, I'm gonna tip, but yeah, I just

668
00:29:38,280 --> 00:29:40,800
Speaker 4: I just think because I've always been one that's like

669
00:29:41,040 --> 00:29:44,160
Speaker 4: going out is so expensive for me, and it's like

670
00:29:44,200 --> 00:29:47,120
Speaker 4: I haven't worked into my budget tipping someone. I just

671
00:29:47,400 --> 00:29:50,160
Speaker 4: I guess I just don't do it. But it's I mean,

672
00:29:50,200 --> 00:29:52,400
Speaker 4: it's not a bad thing, and I don't honestly like

673
00:29:52,440 --> 00:29:55,840
Speaker 4: the person who's at the register, the waiter, whoever that's

674
00:29:55,880 --> 00:29:57,440
Speaker 4: watching is why are they.

675
00:29:57,360 --> 00:30:00,520
Speaker 2: Watching though, Because like you press the button hit ten

676
00:30:00,560 --> 00:30:02,360
Speaker 2: percent at the same time that you're putting your pin

677
00:30:02,440 --> 00:30:05,320
Speaker 2: code in. I feel like that's weird. They shouldn't be watching.

678
00:30:05,400 --> 00:30:06,240
Speaker 2: That's not okay.

679
00:30:06,360 --> 00:30:08,600
Speaker 4: I wouldn't worry, but yeah, the I totally like the

680
00:30:08,640 --> 00:30:11,840
Speaker 4: virtue signally side of things where it's like, oh, someone's

681
00:30:11,920 --> 00:30:13,240
Speaker 4: obviously being performative.

682
00:30:13,640 --> 00:30:16,040
Speaker 2: I guess I would just like, if you feel so.

683
00:30:16,120 --> 00:30:18,560
Speaker 4: Inclined and if you have the money, you do it.

684
00:30:19,320 --> 00:30:21,360
Speaker 4: I just don't. I don't think we need to do here.

685
00:30:21,400 --> 00:30:22,560
Speaker 4: I don't know, I could be wrong, but I don't

686
00:30:22,560 --> 00:30:24,800
Speaker 4: think we need to do here. That's what I've been taught.

687
00:30:24,840 --> 00:30:26,480
Speaker 5: No, you're totally right, because it exists in the US

688
00:30:26,520 --> 00:30:28,640
Speaker 5: because the minimum wage is so low. So the US

689
00:30:28,760 --> 00:30:30,840
Speaker 5: minimum wage for service is like two dollars an hour.

690
00:30:31,280 --> 00:30:32,000
Speaker 5: So tipping is.

691
00:30:31,960 --> 00:30:34,200
Speaker 2: Depending on states. So people might jump down our throats

692
00:30:34,240 --> 00:30:38,400
Speaker 2: because like some have that, but like, but historically most

693
00:30:38,400 --> 00:30:40,600
Speaker 2: of their income is their tips, not their base salary.

694
00:30:40,640 --> 00:30:45,200
Speaker 5: Correct, So tipping is non negotiable. Over there, there's like you,

695
00:30:45,400 --> 00:30:47,120
Speaker 5: I think it's like fifteen percent is like a standard

696
00:30:47,160 --> 00:30:50,600
Speaker 5: tip because you're paying their wage effectively, wherea.

697
00:30:50,320 --> 00:30:52,840
Speaker 2: Which I find crazy as a structure for society.

698
00:30:52,960 --> 00:30:55,440
Speaker 4: I shouldn't be anyway here or there.

699
00:30:55,680 --> 00:30:58,000
Speaker 2: And they joint include tax at the price. Remember when

700
00:30:58,000 --> 00:30:59,800
Speaker 2: we'd go to like check out, it's aphora and then

701
00:30:59,800 --> 00:31:01,680
Speaker 2: then I add text and I'd be like, it's go

702
00:31:01,960 --> 00:31:02,360
Speaker 2: user me.

703
00:31:02,720 --> 00:31:05,480
Speaker 5: Genuinely, nothing over there makes any sense. But yeah, so

704
00:31:05,560 --> 00:31:07,960
Speaker 5: here we have a really good minimum wage. It's not

705
00:31:08,000 --> 00:31:09,560
Speaker 5: a requirement as someone who used to work in the

706
00:31:09,600 --> 00:31:11,840
Speaker 5: service industry. I worked as a waitress for like five

707
00:31:11,960 --> 00:31:14,000
Speaker 5: or six years. It was never an expectation.

708
00:31:14,240 --> 00:31:15,960
Speaker 2: It was always it was always like a sweet tree,

709
00:31:16,160 --> 00:31:16,880
Speaker 2: like correct, like.

710
00:31:16,880 --> 00:31:18,600
Speaker 4: If someone tipped you, it was really lovely.

711
00:31:18,640 --> 00:31:20,520
Speaker 5: It was very exciting, especially because I was in my

712
00:31:20,960 --> 00:31:22,680
Speaker 5: late teens early twenties, so it's like, oh my god,

713
00:31:22,720 --> 00:31:23,680
Speaker 5: twenty bucks.

714
00:31:23,640 --> 00:31:24,560
Speaker 2: This is amazing.

715
00:31:24,880 --> 00:31:28,600
Speaker 5: But you know, it was never an expectation when people

716
00:31:28,640 --> 00:31:30,680
Speaker 5: two to me. Back in the day, we also didn't

717
00:31:31,000 --> 00:31:32,760
Speaker 5: have the f pos tips. I don't think like it

718
00:31:32,800 --> 00:31:33,560
Speaker 5: purely was a cure.

719
00:31:33,720 --> 00:31:35,120
Speaker 2: I've never existed in that.

720
00:31:35,520 --> 00:31:38,280
Speaker 5: It was always showing my age, But I think my

721
00:31:38,400 --> 00:31:42,280
Speaker 5: experience predates that. I don't love it because it does,

722
00:31:42,360 --> 00:31:45,560
Speaker 5: as you said, feel quite awkward with the person standing there.

723
00:31:45,920 --> 00:31:47,840
Speaker 5: But I just try and remind myself. I don't know

724
00:31:47,840 --> 00:31:50,160
Speaker 5: if the culture has changed since I worked in the industry,

725
00:31:50,240 --> 00:31:52,240
Speaker 5: but like when I was a waitress, it was never

726
00:31:52,280 --> 00:31:55,280
Speaker 5: an expectation. I'm being paid to be here, Like my

727
00:31:55,560 --> 00:31:58,240
Speaker 5: job is paying me. That's what I'm here for. If

728
00:31:58,240 --> 00:32:00,400
Speaker 5: you chip me, that's awesome. You know, it means I

729
00:32:00,400 --> 00:32:03,040
Speaker 5: did a great job. And as a consumer, that's when

730
00:32:03,080 --> 00:32:04,960
Speaker 5: I will tip if I have weight, stuff that I

731
00:32:04,960 --> 00:32:07,000
Speaker 5: feel like really went above and beyond, if they helped

732
00:32:07,040 --> 00:32:10,440
Speaker 5: me change orders, or like if something goes wrong, you know,

733
00:32:10,440 --> 00:32:11,960
Speaker 5: if I'm with a kid and the kid makes a

734
00:32:12,000 --> 00:32:14,360
Speaker 5: mess or you know, something like that. I think it's

735
00:32:14,400 --> 00:32:18,040
Speaker 5: like a nice way to show appreciation and gratitude. Yeah,

736
00:32:18,120 --> 00:32:21,880
Speaker 5: but it's not something that I will do every time either,

737
00:32:22,320 --> 00:32:24,160
Speaker 5: But yeah, I would be really interested to know what

738
00:32:24,160 --> 00:32:24,920
Speaker 5: everyone else thinks.

739
00:32:24,920 --> 00:32:27,000
Speaker 4: But what do you think? Because you're also served well.

740
00:32:27,400 --> 00:32:30,280
Speaker 2: I worked in hospitality for like a good ten years,

741
00:32:30,320 --> 00:32:32,880
Speaker 2: Like it was my first job. I was in hospitality

742
00:32:32,920 --> 00:32:34,600
Speaker 2: and then growing up on the morning to potential that

743
00:32:34,680 --> 00:32:37,120
Speaker 2: basically all you can do is hospow. So I did

744
00:32:37,120 --> 00:32:39,160
Speaker 2: a lot of different roles from working at a nice

745
00:32:39,160 --> 00:32:41,920
Speaker 2: cream shop to like a cafe on the main strip

746
00:32:42,000 --> 00:32:44,400
Speaker 2: to working at a number of different wineries. I do

747
00:32:44,480 --> 00:32:47,480
Speaker 2: everything from like front of house serving like being a waitress,

748
00:32:47,480 --> 00:32:51,280
Speaker 2: to events and being a barista and stuff and Familiarah. Yeah,

749
00:32:51,320 --> 00:32:55,280
Speaker 2: I am a trained similia, which is very cool. It's like,

750
00:32:55,720 --> 00:32:57,640
Speaker 2: you know, the person that makes a wine recommendations and

751
00:32:57,680 --> 00:32:59,480
Speaker 2: like opens the wine. I got the like little badge

752
00:32:59,520 --> 00:33:01,800
Speaker 2: that had the great on it. Anyway, very cool, cool

753
00:33:01,960 --> 00:33:04,040
Speaker 2: and part of my part of my story when you

754
00:33:04,160 --> 00:33:06,400
Speaker 2: talk about it later, I can help you pick a wine.

755
00:33:06,520 --> 00:33:10,040
Speaker 2: But at each venue, I remember the tips being treated

756
00:33:10,160 --> 00:33:13,240
Speaker 2: very differently. Like one of the wineries that I worked at,

757
00:33:13,280 --> 00:33:15,239
Speaker 2: it was kind of like frowned upon. If you were

758
00:33:15,280 --> 00:33:17,080
Speaker 2: given a tip to not put it in the tip jar,

759
00:33:17,240 --> 00:33:18,680
Speaker 2: and then it would get and I thought this was

760
00:33:18,760 --> 00:33:21,080
Speaker 2: quite fair. It would get divided among all of the

761
00:33:21,080 --> 00:33:23,880
Speaker 2: stuff that were on that shift, so including the kitchen

762
00:33:24,000 --> 00:33:26,440
Speaker 2: staff and the people that were behind the bar, because

763
00:33:26,560 --> 00:33:29,160
Speaker 2: more often than not just the waitresses were getting tipped,

764
00:33:29,160 --> 00:33:31,520
Speaker 2: and it was like a pretty fancy establishment, so it

765
00:33:31,720 --> 00:33:35,720
Speaker 2: wasn't abnormal to work at this restaurant and have most

766
00:33:35,720 --> 00:33:38,800
Speaker 2: tables give you a twenty dollar tip, which was always lovely,

767
00:33:39,280 --> 00:33:41,720
Speaker 2: But then some people would actually ask me, like what

768
00:33:41,840 --> 00:33:43,720
Speaker 2: happens to your tips? And I'd be like, oh, we

769
00:33:43,800 --> 00:33:45,520
Speaker 2: share it, and like they would change how much they

770
00:33:45,560 --> 00:33:47,200
Speaker 2: tipped because they kind of wanted it to just go

771
00:33:47,280 --> 00:33:48,760
Speaker 2: to me, or they'd be like, oh, but what if

772
00:33:48,760 --> 00:33:50,520
Speaker 2: I give you cash on the side, And it always

773
00:33:50,560 --> 00:33:53,480
Speaker 2: felt awkward. The same thing happened once I moved to

774
00:33:53,520 --> 00:33:55,920
Speaker 2: the city and I worked at a number of different

775
00:33:55,920 --> 00:33:58,360
Speaker 2: restaurants in the city, some high end, some just like

776
00:33:58,440 --> 00:34:01,760
Speaker 2: standard restaurants, some split them. I remember one of the

777
00:34:01,760 --> 00:34:03,920
Speaker 2: restaurants I worked out kept all of the tips and

778
00:34:03,960 --> 00:34:06,640
Speaker 2: it was like a point of contention because some of

779
00:34:06,640 --> 00:34:09,000
Speaker 2: the waitresses who were given cash would just like pocket

780
00:34:09,040 --> 00:34:10,680
Speaker 2: it and not talk about it, and we all knew

781
00:34:10,680 --> 00:34:12,359
Speaker 2: it was happening, but like you would just not say

782
00:34:12,400 --> 00:34:15,879
Speaker 2: anything because the owners were so greedy. It just depends.

783
00:34:16,200 --> 00:34:19,960
Speaker 2: But again it was never expected. But like at a

784
00:34:20,000 --> 00:34:22,280
Speaker 2: number of places that I did work, like, you knew

785
00:34:22,320 --> 00:34:24,360
Speaker 2: the table, like low key, you knew the tables that

786
00:34:24,400 --> 00:34:25,919
Speaker 2: looked like they were going to tip, and you would

787
00:34:25,920 --> 00:34:28,640
Speaker 2: definitely like bendover backwards. It was kind of like for

788
00:34:28,719 --> 00:34:30,879
Speaker 2: me a game, like a game to be like, oh,

789
00:34:30,920 --> 00:34:33,160
Speaker 2: I wonder if I could work out how to get

790
00:34:33,200 --> 00:34:35,200
Speaker 2: a tip out of these guys were going above and beyond,

791
00:34:35,280 --> 00:34:37,560
Speaker 2: which is probably not the best way to approach things.

792
00:34:37,600 --> 00:34:39,920
Speaker 2: But like I was young and having a lot of fun.

793
00:34:40,320 --> 00:34:44,120
Speaker 2: But when I now tip as a consumer and I'm

794
00:34:44,160 --> 00:34:46,440
Speaker 2: at a restaurant, it's because I've really enjoyed the service

795
00:34:46,520 --> 00:34:49,400
Speaker 2: or that person's experience, and sometimes I do ask, I

796
00:34:49,480 --> 00:34:50,960
Speaker 2: go like, oh, if I tip, does it go to

797
00:34:51,040 --> 00:34:53,680
Speaker 2: you and they go, oh, yeah, it does or whatever. Anyway,

798
00:34:53,760 --> 00:34:57,080
Speaker 2: that's nice. But I've never felt like when I'm checking

799
00:34:57,080 --> 00:34:59,920
Speaker 2: out at the FPOs machine that they're watching in the

800
00:35:00,080 --> 00:35:03,239
Speaker 2: ten percent that I put on, like I'm sorry, you

801
00:35:03,280 --> 00:35:06,520
Speaker 2: did your job in the nicest possible way. We're in

802
00:35:06,520 --> 00:35:08,520
Speaker 2: the middle of a cost of living crisis, and yes,

803
00:35:09,120 --> 00:35:12,400
Speaker 2: I am very privileged to have a lot of financial freedom,

804
00:35:12,440 --> 00:35:14,440
Speaker 2: but that doesn't mean that I go, yeah, I'd love

805
00:35:14,440 --> 00:35:17,600
Speaker 2: to pay ten percent more for this meal, like unless

806
00:35:17,640 --> 00:35:20,200
Speaker 2: I feel like it is really warranted and valid and

807
00:35:20,239 --> 00:35:23,320
Speaker 2: I feel like I'm doing something good. But this community

808
00:35:23,320 --> 00:35:25,600
Speaker 2: member that wrote in, she literally said, I don't feel

809
00:35:25,600 --> 00:35:26,520
Speaker 2: like they deserve a tip.

810
00:35:26,680 --> 00:35:28,800
Speaker 4: Yeah, if the service wasn't good.

811
00:35:28,840 --> 00:35:31,719
Speaker 2: Kids zero, you're still paying your bill, right, that's a

812
00:35:31,760 --> 00:35:34,600
Speaker 2: good deal. So I don't think it's an issue. We

813
00:35:34,640 --> 00:35:36,600
Speaker 2: did ask the community. We said, guys, when do you tip?

814
00:35:37,320 --> 00:35:40,120
Speaker 2: One percent of you said every time, I'm not surprised,

815
00:35:40,360 --> 00:35:43,480
Speaker 2: fifty eight percent of you said never, thirty seven percent

816
00:35:43,600 --> 00:35:45,720
Speaker 2: only tip when the service is good, and four percent

817
00:35:45,760 --> 00:35:47,759
Speaker 2: said only when I feel peer pressured to do so.

818
00:35:48,640 --> 00:35:52,480
Speaker 2: You should feel peer pressured, No, absolutely not. Next question

819
00:35:52,520 --> 00:35:54,560
Speaker 2: we said was, how do you feel about payment machines

820
00:35:54,600 --> 00:35:57,040
Speaker 2: and ordering apps asking for tips. Do you know what

821
00:35:57,080 --> 00:35:58,960
Speaker 2: that annoys me? I'm sorry, Uber, I love you, but

822
00:35:59,040 --> 00:36:01,520
Speaker 2: why am I tipping my driver for being forty minutes late?

823
00:36:01,880 --> 00:36:04,759
Speaker 4: I know what I was gonna say before the drivers.

824
00:36:05,120 --> 00:36:06,520
Speaker 4: That's different Uber ubers.

825
00:36:06,600 --> 00:36:10,200
Speaker 2: If you're like forty minutes late and then you left

826
00:36:10,239 --> 00:36:12,640
Speaker 2: it at the front of my house, not at my door,

827
00:36:12,640 --> 00:36:14,440
Speaker 2: didn't knock on my door, and then I still get

828
00:36:14,440 --> 00:36:16,239
Speaker 2: the push notification to be like, do you want to

829
00:36:16,280 --> 00:36:19,040
Speaker 2: tip your driver? I'm like, literally no, my food was

830
00:36:19,080 --> 00:36:20,600
Speaker 2: cold and at risk of being stolen.

831
00:36:20,680 --> 00:36:22,839
Speaker 4: If it's really shit weather, I usually tip my uber

832
00:36:22,880 --> 00:36:26,200
Speaker 4: It's drive the hail the story.

833
00:36:27,560 --> 00:36:30,200
Speaker 2: Anyway, how do you feel about that? Fifty seven percent

834
00:36:30,239 --> 00:36:32,240
Speaker 2: of you said we hate it, tipping is an Aussie culture,

835
00:36:32,600 --> 00:36:35,320
Speaker 2: twenty one percent said it's awkward. I feel pressured, another

836
00:36:35,400 --> 00:36:37,799
Speaker 2: twenty one percent said I don't mind. It's still my choice,

837
00:36:37,840 --> 00:36:39,839
Speaker 2: and one percent said I like it. It makes it

838
00:36:39,920 --> 00:36:43,160
Speaker 2: easy to support stuff. It's really sweet. And then we

839
00:36:43,200 --> 00:36:45,360
Speaker 2: went to the community said guys, what's your two cents?

840
00:36:46,040 --> 00:36:48,480
Speaker 2: Someone said it's awkward for companies to ask for a

841
00:36:48,520 --> 00:36:51,640
Speaker 2: tip when you order vira QR code with no service.

842
00:36:52,160 --> 00:36:53,279
Speaker 4: I do agree with that.

843
00:36:53,640 --> 00:36:55,800
Speaker 2: Yeah, they also asked for the dip before the food

844
00:36:55,840 --> 00:36:58,480
Speaker 2: comes because you're like checking out at that time. That's true.

845
00:36:58,480 --> 00:37:01,239
Speaker 2: I do find that interesting. Weird. Someone said I'd be

846
00:37:01,239 --> 00:37:03,360
Speaker 2: more upset with splitting the bill equally.

847
00:37:03,800 --> 00:37:04,879
Speaker 4: I mean, that's a great take.

848
00:37:05,280 --> 00:37:07,799
Speaker 2: I think that's so funny. Next person said, the weight

849
00:37:07,880 --> 00:37:10,120
Speaker 2: stuff won't remember you by the end of the shift.

850
00:37:10,120 --> 00:37:14,120
Speaker 2: It's not that deep. I promise, oh I would remember, oh,

851
00:37:14,280 --> 00:37:17,680
Speaker 2: remember you. The next person said, when tipping via machine,

852
00:37:17,960 --> 00:37:19,880
Speaker 2: I'm not even sure whether it's going to tip the

853
00:37:19,880 --> 00:37:20,920
Speaker 2: staff or the restaurant.

854
00:37:21,040 --> 00:37:22,759
Speaker 4: Well, that's yeah. When it's an f POS, you really

855
00:37:22,760 --> 00:37:23,200
Speaker 4: have no idea.

856
00:37:23,239 --> 00:37:26,080
Speaker 2: Yeah, that's the thing. Someone else said, I really wish

857
00:37:26,360 --> 00:37:28,520
Speaker 2: card payments had an option to just like round up

858
00:37:28,560 --> 00:37:30,200
Speaker 2: for a tip, kind of like keep the change.

859
00:37:31,160 --> 00:37:33,080
Speaker 4: Yeah, because that's what you do with cash all at

860
00:37:33,120 --> 00:37:33,640
Speaker 4: a time too.

861
00:37:33,680 --> 00:37:36,800
Speaker 2: Is Yeah, like whatever's eighteen bucks, I'll keep the change.

862
00:37:37,360 --> 00:37:40,200
Speaker 2: Next person said, tip on the machine is so sneaky.

863
00:37:40,280 --> 00:37:43,280
Speaker 2: My friend accidentally put her pinn as the tip once.

864
00:37:43,680 --> 00:37:50,280
Speaker 4: No, I will die. It was like a zero zero zero,

865
00:37:50,800 --> 00:37:52,520
Speaker 4: like starts with a zero. Yeah.

866
00:37:52,640 --> 00:37:55,120
Speaker 2: The next person said, I love tipping when someone's gone

867
00:37:55,120 --> 00:37:59,120
Speaker 2: above and beyond tipping being expected, though absolutely not. Next

868
00:37:59,160 --> 00:38:02,160
Speaker 2: person said, ever, everything is already so expensive at the moment,

869
00:38:02,280 --> 00:38:04,480
Speaker 2: adding a tip feels like a kick in the guts.

870
00:38:04,560 --> 00:38:07,040
Speaker 2: And last one I'm going to share is it's okay

871
00:38:07,239 --> 00:38:11,040
Speaker 2: to own your no and I love amen now is

872
00:38:11,080 --> 00:38:14,760
Speaker 2: a full sentence, baby, exactly all right. That is probably

873
00:38:14,760 --> 00:38:17,080
Speaker 2: a very good place to leave it. Guys, it has

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00:38:17,160 --> 00:38:19,360
Speaker 2: been a good week. I have enjoyed hanging out with

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00:38:19,440 --> 00:38:21,960
Speaker 2: you all. We'll see you brighten early on Monday for

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00:38:22,160 --> 00:38:24,320
Speaker 2: Money Diary, but till then, have a beautiful weekend.

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00:38:24,400 --> 00:38:25,000
Speaker 4: Bye, guys.

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00:38:25,000 --> 00:38:34,200
Speaker 2: Bye. The advice shared on She's on the Money is

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00:38:34,239 --> 00:38:37,840
Speaker 2: general in nature and does not consider your individual circumstances.

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00:38:38,200 --> 00:38:41,640
Speaker 2: She's on the Money exists purely for educational purposes and

881
00:38:41,640 --> 00:38:44,080
Speaker 2: should not be relied upon to make an investment or

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Speaker 2: financial decision. If you do choose to buy a financial product.

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00:38:47,840 --> 00:38:51,360
Speaker 3: Read the PDS TMD and obtain appropriate financial.

884
00:38:50,960 --> 00:38:52,760
Speaker 2: Advice tailored towards your needs.

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00:38:53,120 --> 00:38:57,080
Speaker 3: Victoria Divine and She's on the Money are authorized representatives

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00:38:57,120 --> 00:39:00,960
Speaker 3: of Money sheper Pty ltd ABN three two one is

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Speaker 3: six four nine two seven seven zero eight a f

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Speaker 3: s L four five one two eight nine,