Speaker 1: She's on the Money.
Speaker 2: She's on the Money.
Speaker 3: Hello, and welcome to She's on the Money, the podcast
Speaker 3: for millennials who want financial freedom. Welcome back to another
Speaker 3: one of our Friday Drinks episodes where our team get
Speaker 3: to celebrate the money wins from our She's on the
Speaker 3: Money community. As always, we are joined by Tony Lodge
Speaker 3: and she is going to kick us off with what
Speaker 3: happened on our Monday money Diary.
Speaker 1: So our money diary this week is twenty six trans
Speaker 1: and preparing for gender affirmation surgery.
Speaker 3: It was such a cool money diary.
Speaker 1: It was really cool and the awesome thing about it
Speaker 1: was that and we mentioned this on the pod as well,
Speaker 1: that Victoria and our money darist had actually been chatting
Speaker 1: for quite some time through Instagram. They got hooked up
Speaker 1: together and.
Speaker 3: Split into each other's dance yeah, which is really cool to.
Speaker 1: Kind of have the inside scoop on it when normally
Speaker 1: it's all so anonymous. But we spoke with them and
Speaker 1: they gave us a really great insight into the costs
Speaker 1: associated and the language we should use when when chatting
Speaker 1: to people, and it was it was really really good.
Speaker 1: So I definitely employ you to have a listen. I
Speaker 1: know I say that, ever, I.
Speaker 3: Literally loved them. Yeah, I do know. We always say
Speaker 3: our money dary it was the best one yet.
Speaker 4: Yeah.
Speaker 3: I felt like I learned so much and it felt
Speaker 3: a little bit pervy at times. I was like, Oh,
Speaker 3: is it all right if I ask you this? And
Speaker 3: they were like yeah, like that's why I'm here, isn't it.
Speaker 3: And I was like, oh, yeah, cool, thanks, because you know,
Speaker 3: it kind of went beyond money a little bit, because
Speaker 3: you were like, oh, I'm asking about your personal life
Speaker 3: beyond just your financial situation. So I was really grateful
Speaker 3: that they were so open and honest with us, like
Speaker 3: it was just an epic conversation. And I know that
Speaker 3: there are a fair few people in our community that
Speaker 3: would really resonate with that, and I just loved being
Speaker 3: but to add it to our little money Diary Elite crew, And.
Speaker 1: Also, if you're kind of not really sure on how
Speaker 1: to best behave like an ally, it's probably a really
Speaker 1: good thing to listen to get a little bit of
Speaker 1: insight into you know, what to do if you do
Speaker 1: misgender someone, and if you're looking for any resources on
Speaker 1: that topic as well. There were heaps in the show
Speaker 1: notes like a hundred things that are stacked it for Yeah,
Speaker 1: that our money dire is sent through, so definitely have
Speaker 1: a look.
Speaker 3: Yeah, loved it all right, Straight onto the wonderful Georgia King.
Speaker 3: Georgia King. What did we speak about on Wednesday? In
Speaker 3: a deep do?
Speaker 5: This Wednesday was a fun one. What they're always they always?
Speaker 5: We spoke about the costs of moving out for the
Speaker 5: very first time, So the costs you need to factor
Speaker 5: in before you move out, and then the costs that
Speaker 5: come up when you're actually out of home, and if
Speaker 5: you haven't done it before, like a lot creeps up.
Speaker 6: Is it a wild generalization to say it's always way
Speaker 6: more than you think?
Speaker 4: Oh, absolutely, you've.
Speaker 5: Got your bond your first month rant dishwasher tablet, dishwasher
Speaker 5: tablets four dollar booze.
Speaker 4: I tell you.
Speaker 6: The weird one is when there's stuff at your parents' house,
Speaker 6: like in the back of the cupboard, that you'd never
Speaker 6: think to actually buy, but when you just need like
Speaker 6: just a pinch of salt when you move out, you
Speaker 6: don't have just those random things in the pantry and
Speaker 6: buying a whole big thing of those.
Speaker 3: So expensive to stuff. They are olive oil, good olive oil,
Speaker 3: Like what is that?
Speaker 4: That's a mortgage, that's what happens?
Speaker 3: Than wine like that is not on? And then all
Speaker 3: of the herbs and spices. Are you meant to buy
Speaker 3: every single tiny little jarp?
Speaker 1: Do you need smoked and sweet paprika?
Speaker 3: I think you do?
Speaker 1: Apparently I've got both.
Speaker 3: Yeah, well you're a proper adult, so that makes sense. Ryan,
Speaker 3: have you got some money with yep?
Speaker 6: And I will get ready to do the wins with
Speaker 6: my Mattzo's ginger beer.
Speaker 4: Just what have you gone?
Speaker 7: I've also got a Matzo's. We'd love the mat soos,
Speaker 7: don't we. I've got a Lemon.
Speaker 3: I've also got a Lemon Tony and I we're bougie today.
Speaker 1: We've got a Brookies Byron dry gin and tonic with
Speaker 1: native a lime which rolls off the tongue.
Speaker 3: It was bougie and to be honest, when we looked
Speaker 3: at it, not that you should be looking at the
Speaker 3: calories of your drink. They're sugar free, which.
Speaker 1: Was to us very impressive because it's hard to get
Speaker 1: a good gin and tonic that's sugar free.
Speaker 4: Yeah.
Speaker 3: Like, we're not sponsored by them, but we have been
Speaker 3: drinking them in the office. We've been drinking them while recording,
Speaker 3: like it's been pretty good. But we were surprised because
Speaker 3: tonic is one of those silent killers when it comes
Speaker 3: to sugar.
Speaker 6: Yes to satirifice as well tonic water. If you get
Speaker 6: a good tonic, they can cost just as much as
Speaker 6: the the fever tree.
Speaker 3: Ya, you're expensive. I just buy sweeps when it's on sale.
Speaker 1: Oh my god, I buy coal's brawn. Not relatable contay.
Speaker 3: Sorry, money wins.
Speaker 1: Money wins.
Speaker 4: All right, here we go, money wins this week.
Speaker 6: Now, this might seem like the simplest money win we've
Speaker 6: ever had, but so many people responded with, oh, I
Speaker 6: feel that it is genuinely a win. Simone says money
Speaker 6: win for the whole month. I didn't tran for money
Speaker 6: back from my savings into my everyday a camp. That
Speaker 6: is impressive, very, to which Polly just replied, I feel
Speaker 6: this deeply.
Speaker 3: Yeah, that's relatable content.
Speaker 6: I mean, that's not sweps. Is that the difference vi
Speaker 6: between what intentions and reality? We put five hundred bucks
Speaker 6: at the month on payday or whatever our amount is,
Speaker 6: go yep, five hundred months saving and then four hundred
Speaker 6: and ninety six just makes its way back across when
Speaker 6: a bill comes in or something.
Speaker 3: That's when you set unrealistic expectations for yourself. And that's
Speaker 3: really easy to do, but really hard to undo. And
Speaker 3: that's why I preach, literally preach about having a budget
Speaker 3: that's realistic and not just an aspirational budget. It's actually
Speaker 3: what you're spending and actually what's coming into your account,
Speaker 3: because if you're not doing that, you're just going to
Speaker 3: shoot yourself in the foot and have to dip into
Speaker 3: savings regardless of what you're spending.
Speaker 4: Yep.
Speaker 6: Now, Melissa says, five figure tax refund coming my way
Speaker 6: money when quarter will go to paying off the rest
Speaker 6: of my HEXTEBT, which means I am now completely debt
Speaker 6: free in every.
Speaker 3: Aspect of my life.
Speaker 4: Well done, well done.
Speaker 6: Now, Aisha applied for a scholarship through university. The application
Speaker 6: took about ten minutes, and within a few weeks I
Speaker 6: was advised my application was successful and I've just received
Speaker 6: fourteen thousand dollars from my university.
Speaker 3: Now I've got is that per hour? If she's said
Speaker 3: it only took ten minutes.
Speaker 6: Let's ask our financial advisor, Hey ask goodbye? Rosie says
Speaker 6: money win made my first one thousand dollars in rays.
Speaker 6: He's out to one thousand dollars just through round Us,
Speaker 6: So she's pretty stoked. Without now Annie, Annie is a
Speaker 6: unicorn because this never happens. This is very very rare,
Speaker 6: she said. I just got an email from work saying
Speaker 6: that my salary has increased two point five percent from
Speaker 6: the start of this financial year. I only just started
Speaker 6: with the company. I wasn't sure if they did increases
Speaker 6: or if I had to negotiate after one year.
Speaker 4: They just did it.
Speaker 3: That's super cool.
Speaker 6: Usually, and this is why I say, you have to
Speaker 6: ask and then you follow them up and they say, oh,
Speaker 6: we'll think about it. My boss will go to his boss,
Speaker 6: go to her bossass and it just takes years and years.
Speaker 6: The fact that they just ticked it, like she didn't
Speaker 6: even have to ask, they just did it.
Speaker 3: It's like government.
Speaker 7: I think government roles have a set increase per year,
Speaker 7: like you go up like one point five percent.
Speaker 3: And they have airpicks super as well. Instead of having
Speaker 3: them now ten percent super that we have, they have
Speaker 3: I think a minimum of fourteen point five which has
Speaker 3: probably just scorn up to fifteen percent super, which is
Speaker 3: a money win. Like I remember back in my org
Speaker 3: Psyite days having a client that was a university. Obviously
Speaker 3: I can't tell you who they were, but they had
Speaker 3: people in admin roles that had been there for yongks,
Speaker 3: like thirty plus years, just doing these roles because that
Speaker 3: was just their job, and they'd got their two point
Speaker 3: five percent every single year, so they were on like
Speaker 3: one hundred thousand dollars plus income admin roles that if
Speaker 3: they were to advertise them obviously would go for less
Speaker 3: than that. But then they also had these really big
Speaker 3: long service leave packages and like if they were made redundant,
Speaker 3: it would have cost that university hundreds of thousands of dollars.
Speaker 3: So it's kind of like rock in a hard place
Speaker 3: for them. But money win for these people with the
Speaker 3: job definitely, because they're like, we're never believing little cash
Speaker 3: cow exactly.
Speaker 6: Jema said, I had to spend five hundred dollars on
Speaker 6: textbooks and I've just started doing YouTube and I've got
Speaker 6: my first five hundred dollars in ad sense revenue from
Speaker 6: our YouTube channel, which means the YouTube paid for the textbooks,
Speaker 6: so she doesn't have to pay a cent.
Speaker 2: She said.
Speaker 6: Whilst it's the same money win, I say that's two
Speaker 6: money wins, right, yeah, money yeah, sure, right, And.
Speaker 3: There's so much money in YouTube that I just didn't
Speaker 3: know was there.
Speaker 6: Yeah. I think this is one of the great manifests
Speaker 6: of the year.
Speaker 3: And it's not coming from Jessica my favorites.
Speaker 6: But well it's come via Jess's aura by putting manifesting
Speaker 6: into people's manifests.
Speaker 4: So here we go, the community does it.
Speaker 6: Together, Vanessa, I was on my way to kmart to
Speaker 6: buy a clothes rack classic I found the exact same
Speaker 6: clothes rack on the side of the road.
Speaker 3: Yeah, that is so that is what we're here for.
Speaker 3: That would be like a dream, like you know how
Speaker 3: that stuff happens in your dreams. I'd be like, and she's.
Speaker 7: Recycling as well. That person hasn't had to take it
Speaker 7: to like yeah, the dump. It's like saved it from
Speaker 7: landfille and she got it for free, Like that's amazing.
Speaker 3: So well, actually someone was actually a moving house and
Speaker 3: it was mind and moving. Yeah, she picked it up
Speaker 3: on the way through.
Speaker 6: And finally, actually I've got two more. But finally, Tamika,
Speaker 6: can you just tell me the grab that see the
Speaker 6: pictures on there?
Speaker 4: Can you just tell me what you can see.
Speaker 3: Oh, he hasn't splashed out with color prints.
Speaker 4: It is so much better in color.
Speaker 3: Sorry a kitchen bench, No, it's not. It's an entertainment unit.
Speaker 4: So what happened is maybe if it was in color.
Speaker 6: Well, this is actually interesting because Ta Meeka bought it
Speaker 6: for ten dollars from Facebook marketplace. And you can see
Speaker 6: the one on the left, who Tony's got. Now it's
Speaker 6: it's done up right, she's covering half. So she spent
Speaker 6: ten dollars on it, refurbished it, sold it for three
Speaker 6: hundred and forty dollars.
Speaker 1: Wow.
Speaker 4: So the one on the right is like.
Speaker 6: That before she's cut it in half, polished it up,
Speaker 6: and sold it for a profit of three hundred and thirty.
Speaker 3: Dollars much and she's like yes, a hot yeah.
Speaker 1: And now it's like a little bureau kind of thing
Speaker 1: that what.
Speaker 7: Reason touch bro hutches the cupboards on the bottom, shelves
Speaker 7: on the top, which was really common in like I'm
Speaker 7: going to say seventies eighty.
Speaker 1: And then bureau or like a console buckett all.
Speaker 7: The same thing is like just like the flat unit.
Speaker 1: Sorry that you don't know anything about hon decor how
Speaker 1: embarrassing sorry.
Speaker 3: I have an Ikea calyx as my TV and I'm
Speaker 3: not changing.
Speaker 6: All right, one final money win and do you guys
Speaker 6: mind if I just make a quick call.
Speaker 3: Yeah, of course, I'm excited.
Speaker 4: Okay, hang on here.
Speaker 3: When they don't answer, Hello.
Speaker 6: Hello is this guy? Oh yeah, Welcome to the She's
Speaker 6: on the Money Friday Drinks episode.
Speaker 4: My name is Ryan.
Speaker 6: I'm here with Victoria, Tony George, and Jess HALLI Hi. Now,
Speaker 6: first of all, I just need to apologize because I
Speaker 6: realized I just slipped into your DMS and said, Hi,
Speaker 6: my name's Ryan.
Speaker 4: What's your number? So I'm just sorry that was weird.
Speaker 3: You're marriage? Yeah, I was a little bit sus not
Speaker 3: gonna lie.
Speaker 4: Yeah, sorry, I am yeah.
Speaker 3: Sorry, I see that.
Speaker 6: I know I see it because I've kind of just
Speaker 6: reread what I've written and I'm like, this would look sus.
Speaker 4: But I'm sorry about that.
Speaker 6: So, uh, did you post any comments in the She's
Speaker 6: on the Money Facebook group in the last week?
Speaker 4: Yes?
Speaker 3: I did?
Speaker 4: What did you post?
Speaker 2: I commented on the Queen.
Speaker 4: Jar the Queener?
Speaker 3: Did you now? My friends?
Speaker 6: So last week I was doing spring cleaning because we're
Speaker 6: in lockdown, nothing else to do. Literally tidying up and
Speaker 6: I found this big bunch of coins and it ended
Speaker 6: up being I know right. I mean, if I had
Speaker 6: have known it now, I wouldn't have said I'll give
Speaker 6: it away because.
Speaker 4: But the correct.
Speaker 6: Answer was one hundred and nine dollars and fifty cents,
Speaker 6: and sky, you correctly guess that.
Speaker 4: Money is yours. Well done. That's so fun.
Speaker 6: Now can I just add that some your guess was
Speaker 6: a one hundred nine dollars and fifty cents. Someone else
Speaker 6: guessed one hundred nine dollars and forty five cents, and
Speaker 6: some was ten cents. Over there was two point four
Speaker 6: thousand guesses.
Speaker 3: Wow, this is crazy, This is crazy. That is so fun.
Speaker 3: And in our team. Obviously I couldn't enter. And I
Speaker 3: thought that it was going to be so much more dramatic,
Speaker 3: like that's a hundred bucks. I thought there was like
Speaker 3: three hundred dollars in there.
Speaker 4: I just couldn't it for you. Sorry, I thought we'd
Speaker 4: also scoy. I'm so sorry to show changes.
Speaker 3: Sorry, but I also thought we could give it the masterclass,
Speaker 3: like that's fun too.
Speaker 6: Why would you also like a masterclass? And assigned copy
Speaker 6: of Victoria's book?
Speaker 3: Oh my god, that would be she can have all
Speaker 3: of it. It's a real price, which is like building it.
Speaker 3: What else have we got? What can we give Scott?
Speaker 6: All right, Scott, I will DM you later with the details.
Speaker 6: Please respond and I know, like a weird old guy. Yeah,
Speaker 6: actually maybe I'll get just to do it from the
Speaker 6: she in the money account just looks official.
Speaker 4: You're Scott. Thanks being part of the community.
Speaker 3: Have the best night. I love that. What are the
Speaker 3: surprises if you got for us?
Speaker 4: Seriously, I justmed her and was like, hey, can you
Speaker 4: tell me number?
Speaker 3: And she gave it to What a trusting person. There's
Speaker 3: no way if you DMed me and I hadn't met you,
Speaker 3: that I'd give you my number.
Speaker 1: Absolutely, I would you verified you?
Speaker 3: All right? So we are back and I was going
Speaker 3: to take credit for this because we kind of did
Speaker 3: something similar last year, but I really can't because Tony
Speaker 3: are Yeah, like it sounds like I am because I
Speaker 3: Toats did it, But no, we did it last year.
Speaker 3: We called it Accountability August, but it definitely didn't have
Speaker 3: the same structure that Tony pitched us. We've just used
Speaker 3: the same name because it was kind of catchy and
Speaker 3: it's really hard to come up with catchy names. So
Speaker 3: we've just used the same name, but it's different premise, Tony,
Speaker 3: what are we doing this August?
Speaker 1: So a couple of months ago, we chatted on Friday
Speaker 1: drinks about someone in our community set up a no
Speaker 1: spend month and all these other community met like the
Speaker 1: post went off and all these people were talking about
Speaker 1: how they weren't spending any money, and we thought, wouldn't
Speaker 1: it be so funny if we could set up a
Speaker 1: challenge month for the community so everyone could take part.
Speaker 1: We would all be taking part, And we thought, well,
Speaker 1: a no spend month, isn't you know, is maybe setting
Speaker 1: a bar a little bit high, and we want it
Speaker 1: to be easy for everybody. So we're starting da da
Speaker 1: da accountability August yay. So basically we thought it be
Speaker 1: really really fun if all of us came up with
Speaker 1: a little goal that we wanted to meet over August.
Speaker 1: So if you say, oh, I really want to cut
Speaker 1: back on buying coffee, then over August you could try
Speaker 1: and not buy any coffee and see if you make
Speaker 1: it to the end of the month.
Speaker 6: And so do we have to say this out loud? Hence, yeah,
Speaker 6: the accountability.
Speaker 3: You have to say it out loud, but you have
Speaker 3: to share it with the community. So we'll have a
Speaker 3: thread and we'll be checking in with you, and we're
Speaker 3: going to have some really fun social tiles that you
Speaker 3: can fill in and like post on your stories and stuff.
Speaker 3: And I'm really excited about it because you know, if
Speaker 3: I said let's cut back on coffee and not do
Speaker 3: that for the month, like that's not relatable to everybody,
Speaker 3: like just doesn't drink coffee. Some people would be like, well,
Speaker 3: I've been making it at home for ages. I can't participate.
Speaker 3: So you guys are going to choose what you want
Speaker 3: to be held accountable for, and we all as a
Speaker 3: team have different accountability challenges that we're going to take
Speaker 3: on and we're just going to hold each other accountable.
Speaker 3: So August is really productive and we all end it
Speaker 3: on high, which I'm super stoked about. But to get
Speaker 3: the wall rolling and give you guys a little bit
Speaker 3: of inspiration, jess, what's your accountability August goal?
Speaker 7: Well Tony suggested a no spend and I was like,
Speaker 7: who do you think I am? Not someone with that
Speaker 7: much self control?
Speaker 3: That's it. I like it because it's relatable.
Speaker 7: Hard no for me. I would love to, but unfortunately
Speaker 7: it's just not practical. That's fine, So I decided to
Speaker 7: go the other way, and I'm going to try to
Speaker 7: make some money.
Speaker 3: And you're going to try and spend more money.
Speaker 7: I could definitely succeed at that, but no, like I
Speaker 7: over lockdown. I'm sure I've said this before as the
Speaker 7: money in, but over lockdown, I was cleaning out my closet.
Speaker 7: I had a bunch of extra stuff, and we did
Speaker 7: that really fun campaign with gum Tree last month as well,
Speaker 7: where we learned that statistically, the average person has like
Speaker 7: twenty seven unused items in their house. That's a lot
Speaker 7: of that's a lot of items. So I thought, I'm
Speaker 7: going to set myself the goal. I don't know if
Speaker 7: this is way too ambitious because I sell things for
Speaker 7: like five dollars, but I'm going to try to hit
Speaker 7: five hundred dollars. Oh, you can totally do that month
Speaker 7: of August. So Wardrobe's cute guys, I would buy her stuff.
Speaker 3: Check me out on deep up, help me out.
Speaker 1: The thing that I'm worried about though, with Jess is
Speaker 1: that she's already started selling already ahead of us.
Speaker 3: No no, no, no.
Speaker 1: No, no no, August hasn't started.
Speaker 4: Bad luck, mate, so none of it.
Speaker 1: So none of the money she's made so far counts.
Speaker 3: But don't go to my detop until August.
Speaker 4: First, I have a question.
Speaker 6: Victoria just said that she likes a lot of the
Speaker 6: stuff in your wardrobe and she might buy it.
Speaker 4: Is that awkward?
Speaker 6: Because Victoria has already bought it, You've borrowed it from
Speaker 6: her and now yourself.
Speaker 3: It's just like a really great life cycle between that
Speaker 3: happens in our office a fair bit. We're like, oh, Tony,
Speaker 3: nice earrings, will you be wearing them next Friday? All right, Georgia,
Speaker 3: what are you going to bring to the table?
Speaker 5: Okay, so you both brought up this example before, Oh
Speaker 5: did we? I'm going to ditch the hot bruise.
Speaker 1: Yeah, it's such a good one.
Speaker 5: Yeah, I've found, especially through lockdown. We've just come out
Speaker 5: of a couple of weeks of that coffee every day
Speaker 5: was my one thing, but now the plenty of other.
Speaker 1: Joy in the world.
Speaker 5: So I'm going to like seeing in person precisely, Yeah, exactly.
Speaker 5: Do you think a coffee like no coffee at all
Speaker 5: or maybe no.
Speaker 3: Perchase week day? Okay, So like you can make it
Speaker 3: at home. I think that's fine.
Speaker 6: Some people could spend not much, make it at home
Speaker 6: and save a fortune on the five dollars a day
Speaker 6: going to a cafe, like to make it one single
Speaker 6: coffee at home be way less than a dollar. So
Speaker 6: if you're going to drive yourself insane by having no coffee,
Speaker 6: I mean that's a physical challenge.
Speaker 3: Buy some coffee. Yeah, yeah, someone can buy your coffee.
Speaker 3: That's like a loophole. Half. I can just like buy
Speaker 3: all your coffee.
Speaker 6: If you see someone in Carlton North just loitering around
Speaker 6: a cafe, then you are going to finish finisher.
Speaker 3: No, I want to take it a step further because like,
Speaker 3: not buying coffees is one half of it. But like Ryan,
Speaker 3: you actually have to do some money. So you have
Speaker 3: to like work out how much on average you were
Speaker 3: spending on coffee last month, and I want you to
Speaker 3: each week put that in a savings account so that
Speaker 3: at the end of the month you have something to
Speaker 3: show for it stead of just depriving yourself and maybe
Speaker 3: having spent it on something else. Like we want to
Speaker 3: get to the end of the month and have an outcome,
Speaker 3: not go well, I just didn't have a coffee. Where
Speaker 3: that money go?
Speaker 5: Pay myself?
Speaker 4: All right?
Speaker 5: Cool?
Speaker 6: My accountability August. And this is going to be really
Speaker 6: hard because not only is it about the money, but
Speaker 6: I actually just love it.
Speaker 4: I'm not going to do Uber eats for a whole month,
Speaker 4: a month, the whole month of August.
Speaker 3: Whoats?
Speaker 4: So where the money's going to work?
Speaker 3: In breakfast radio? And you're saying, no.
Speaker 4: Oh, that is tricky. I'll make Jason pay for is.
Speaker 3: The loophole here that Bridget does the Uber ey?
Speaker 4: No?
Speaker 6: No, I just don't want Uber eats for the month.
Speaker 6: But what I will do is I'll figure oh, this
Speaker 6: is awful. I'll figure out how much I've spent on
Speaker 6: Uber eats through July and June, and then the money
Speaker 6: I haven't spent. I'll be able to see the difference
Speaker 6: between the two.
Speaker 1: And that's good.
Speaker 4: Could be confronting.
Speaker 3: I like that. Could you please share that with the
Speaker 3: team later, Tony Lodge, what have you got for us?
Speaker 1: Okay, I'm gonna give it a red hot go and
Speaker 1: I'm going to try and do a no spend month
Speaker 1: for August.
Speaker 3: Yet it quick like a no discretionary month or she's
Speaker 3: not buying groceries.
Speaker 1: I'm just going to not pay rand. So the way
Speaker 1: that I'm going to figure out how much money I've
Speaker 1: saved is every time I go to buy something like say,
Speaker 1: go to buy lunch, go to buy a coffee, or
Speaker 1: like a sports membership, might I don't know, just trying
Speaker 1: to sound relatable. Then I'm going to go, all right,
Speaker 1: well that would be twenty five dollars, and then I'm
Speaker 1: going to put that twenty five dollars into another account.
Speaker 1: So I'm still going to spend the money, but it'll
Speaker 1: just go to that instead of yeah, how much you
Speaker 1: would have spent.
Speaker 3: Ye.
Speaker 1: So I believe in you.
Speaker 3: You can do it.
Speaker 1: Thank you. I'm very scared, but I'm really excited. I
Speaker 1: think it'll be a good exercise. Yes, what do you
Speaker 1: do on v okay?
Speaker 3: So I have committed and I committed to this because
Speaker 3: over the last six months, I feel like you've heard
Speaker 3: it on my Confessions a number of times. I'm not
Speaker 3: that good at bringing lunch to work. I'm not going
Speaker 3: to buy lunch at work any of those days, and
Speaker 3: I'm going to bring packed lunch and like plan my meals.
Speaker 4: Pack by a restaurant with Uber Eats.
Speaker 3: No Uber eats for lunch. No eating out for lunch
Speaker 3: unless it's like a celebration.
Speaker 6: If we're both not doing uberats, what are we going
Speaker 6: to do when the two of us are together.
Speaker 3: Oh, we'll start will be really hungry, know what we do?
Speaker 3: If we're we're actually going to be really thin by
Speaker 3: the end of the month.
Speaker 4: Let's not make too high.
Speaker 3: Predictably, I'll be packing enough snacks. I'll be like, oh,
Speaker 3: I'm just eating this corn for lunch, Tony, and you'll
Speaker 3: feel like, why are we committed? I guess yeah. So
Speaker 3: I'm going to bring my lunch every single day to
Speaker 3: work that I go to work, and I'm not going
Speaker 3: to order uber eats if I'm working from home, which
Speaker 3: I have fallen back on during lockdown because that's easy.
Speaker 3: So I think that that for me is it's genuinely
Speaker 3: going to be challenging. But I'm actually really excited and
Speaker 3: I feel like I'm really excited to see what everybody
Speaker 3: else does. And I think I'm going to end up
Speaker 3: with FOMO because I know the second that thread comes out,
Speaker 3: people are going to have better ideas than I had.
Speaker 1: So there's that, but hopefully some of our ideas have
Speaker 1: given you a little bit of inspiration and I'll get
Speaker 1: Jess to pop up a little thread and you can
Speaker 1: all talk about what you're going to do, and hopefully, yeah,
Speaker 1: it's like the kick that you need to do a
Speaker 1: little bit of a challenge. Because as well, we've seen
Speaker 1: lots of people talking in the group about being in
Speaker 1: lockdown and going, I'm just spending so much money because.
Speaker 3: I feel crap about being a home. It's so easy
Speaker 3: to feel awful when.
Speaker 1: You're home and do that little naughty Uber eats order
Speaker 1: because you go, oh, I could make a coffee, but
Speaker 1: I really like the one down the road, and then
Speaker 1: you Uber eats ring coffee, Uber eats ring, Uber eats
Speaker 1: eats a no bring whatever, and then spend.
Speaker 4: August has really got to your head.
Speaker 1: Yeah, I can't take any money already.
Speaker 3: All right, that is enough about accountability, August. Let's do
Speaker 3: some money wins and confessions before we wrap this up
Speaker 3: and get out of here. Let's throw it straight to
Speaker 3: Georgia King. All right, what have you got a confession?
Speaker 3: You just staring at me being like, don't do it.
Speaker 3: We'll get it over with.
Speaker 5: So, as I just said before, lockdown meant that I
Speaker 5: spent a lot of money on coffee, and it also
Speaker 5: meant that I spent a lot of time on social media.
Speaker 5: And as you guys know, that's not my jam.
Speaker 1: That's not usual, George.
Speaker 4: It doesn't sound like you know.
Speaker 5: I've been scrolling. I've been looking at things, clicking, liking.
Speaker 1: Commenting the basic premises.
Speaker 5: But I found in doing so that I want more,
Speaker 5: I really want, and I've been buying things and I shouldn't.
Speaker 5: And we always say she's on the money. To unsubscribe
Speaker 5: from the marketing emails, unfollow those pages that make you
Speaker 5: want to buy, and I just like it following.
Speaker 3: I say not as we do for the podcast.
Speaker 5: You know, I've just really noticed it, like I've never
Speaker 5: really did this.
Speaker 3: Jumper jumpers a lot.
Speaker 5: I saw many jumps.
Speaker 3: I don't need anyone do. I feel like you.
Speaker 1: Always jumpers, really jumpers and coffee.
Speaker 5: But I'm going to like unsubscribe and unfollow and try
Speaker 5: and be more zen.
Speaker 1: I've been doing that a lot lately, muting a lot
Speaker 1: of Instagrams because I still want to support them with
Speaker 1: the follows because it's like a brand that I like.
Speaker 1: But I just go, oh, you know what, I can't
Speaker 1: really look at you right now, and it actually makes
Speaker 1: so much of a different really.
Speaker 3: Yeah, all right, Jess, you are awfully quiet. What have
Speaker 3: you got for us?
Speaker 7: I have a win ya, but it's a loss because
Speaker 7: it's a deep up win, like a week too soon.
Speaker 7: But it's really fun because, as I said, I've been
Speaker 7: cleaning stuff out, putting them on deep up selling a
Speaker 7: few bits and bobs, and a.
Speaker 3: Girl purchased a couple of items.
Speaker 7: And I do this thing where like, if a person
Speaker 7: purchases like a bundle of items, I'll usually do them
Speaker 7: a cheeky like discount, and normally people will ask that
Speaker 7: because we all love our bargains when we're shopping second
Speaker 7: haand online. I do it too, totally guilty. But she
Speaker 7: didn't ask, and I was like, oh, hey, like I've
Speaker 7: knocked five bucks off because you've purchased a couple of things.
Speaker 7: And she was like, oh my gosh, thank you so much.
Speaker 7: I'm going to count. This is a money win for
Speaker 7: the much it was Margaret from the community, and I
Speaker 7: got so excited.
Speaker 3: So that is literally sunny win.
Speaker 1: Life win.
Speaker 3: Margaret. I'd love a photo of you in the clothes
Speaker 3: cheers Maggie, But like, oh that is so cute. I
Speaker 3: love that so so much. Can I do my money
Speaker 3: win now?
Speaker 4: Yeah?
Speaker 3: I have two? Are you ready?
Speaker 4: Yeah?
Speaker 3: Okay, So the first one is actually related to jess is.
Speaker 3: There was this dress that I really wanted and couldn't
Speaker 3: find it. It sold out really quickly, and it sold
Speaker 3: out really quickly. It probably didn't it was just too
Speaker 3: expensive for me to justify at the time. Founded on
Speaker 3: Facebook marketplace, but for rent, and I was like, oh, like,
Speaker 3: I don't want to rent it. I actually want to
Speaker 3: buy it because I want to wear it more regularly
Speaker 3: than that. So I messaged the girl and said, hey,
Speaker 3: totally no, it's up for rent, but I'd love to
Speaker 3: buy it when you're done with it, like let me know.
Speaker 3: She was like, oh, I only have like one more
Speaker 3: booking left on it. You can actually buy it from me.
Speaker 3: After that all counted as a money win. She was
Speaker 3: also from the community, and that's so bad. But I
Speaker 3: nearly forgot about that as a money win and it
Speaker 3: was literally the best thing ever. She's like, oh my god,
Speaker 3: I'll package it all up after you know it comes back.
Speaker 3: I'll dry clean it for you. And I'm like, do
Speaker 3: I need to pay you more for that like, I
Speaker 3: will cover all of it. I just want the dress. Yeah,
Speaker 3: and yeah, it was like I paid I think twenty
Speaker 3: five percent of the original price, which is a money
Speaker 3: win for a dress, and I'm like, seventy five percent off.
Speaker 7: Yes, And it's like seeing the community in the wild,
Speaker 7: Like it's so fun when I like bump into someone
Speaker 7: or if someone sees this and SA's high, I'm like, oh.
Speaker 3: My god, you're an actual busy No, it's so fun,
Speaker 3: Like you guys are faking. This is so weird.
Speaker 1: I love it.
Speaker 3: And then my actual money win, which is a big
Speaker 3: money win slash money loss. I bought a car, which
Speaker 3: I'm very excited about because it's been a long time
Speaker 3: in the making and I think our team are a
Speaker 3: bit sick of the car that I have right now because.
Speaker 1: We don't all fit in it.
Speaker 3: It's like a small two door coupe. It was the
Speaker 3: first car that I purchased when I could afford to
Speaker 3: buy a car for myself, and I still love it,
Speaker 3: like I haven't sold it yet because I literally love it.
Speaker 3: And I'm like, oh, I have to go to a
Speaker 3: good owner. Like I love her. I've looked after her
Speaker 3: very very.
Speaker 6: Well, but when I'm in the front seat and then
Speaker 6: Tony's on my lap and then the dog's on Tony's lap.
Speaker 3: Yeah, it's like like awner and it's got like the
Speaker 3: squishiest little back seat. And now with Lucy the dog,
Speaker 3: I needed something bigger, right, So obviously if you upgraded
Speaker 3: your car because of the dog, like it was a factor,
Speaker 3: is that bad?
Speaker 1: Nah?
Speaker 4: Thread on this? Did you upgrade your car for your dog?
Speaker 4: Put a threat?
Speaker 1: I think a lot of people.
Speaker 4: Style make a thread I reckon lots of people.
Speaker 3: Yeah, so I needed a bigger car, right, But in
Speaker 3: true she's on the money form. There is no way
Speaker 3: I was purchasing a brand new one. And with current
Speaker 3: car prices, there was also no way I was purchasing
Speaker 3: something secondhand in my state because they're all really overpriced,
Speaker 3: like COVID pricing is wild. And so I was also
Speaker 3: happy put this purchase off for ages because I was like,
Speaker 3: all right, like, it's no worry to me. I don't
Speaker 3: want to be stooge on a bad deal. Yeah, anyway,
Speaker 3: found one interstate. It was over in Perth Perth car
Speaker 3: Market preserve, yes, but it wasn't nearly as overpriced as
Speaker 3: what the cars in Melbourne were and I got in
Speaker 3: contact with them. It was like a wholesale dealer, so
Speaker 3: you know, to be owned by someone else before, which
Speaker 3: I clearly was okay with. And they were like, yup, cool,
Speaker 3: Like we can ship it over to you really easily.
Speaker 3: It was all included.
Speaker 1: It did your process.
Speaker 3: Yes, but like I got a secondhand car for literally
Speaker 3: like twenty percent less by buying it inter state than
Speaker 3: I did by buying it in.
Speaker 6: Melbourne, and even the cost of shipping it over still
Speaker 6: way cheaper.
Speaker 3: Yep, still way cheaper. So I obviously did my numbers,
Speaker 3: had a spreadsheet the cost of shipping it over, paying
Speaker 3: for registration in Victoria, and the insurance and all of
Speaker 3: the stuff that goes along with that, because you also
Speaker 3: need to get like a road worthy and there were
Speaker 3: a few hoops much cheaper, still more than twenty percent cheaper.
Speaker 3: And I'm very very excited about it because now I
Speaker 3: can fit my whole team in the car and my dog.
Speaker 7: We can go and get nuggets, we can go through
Speaker 7: drive through as the person always relegated to the backseat.
Speaker 3: I'm very excited to a door a the going will
Speaker 3: be a luxury.
Speaker 4: Can you get the lever for me, I'm still in
Speaker 4: the back here.
Speaker 3: Again, Tony. What is your money win or confession?
Speaker 1: I have a confession. So over the past week, my
Speaker 1: boyfriend and I have been moving house, and I know
Speaker 1: that I've talked about it a lot. So this is
Speaker 1: I promise the last time. And we got a cleaner
Speaker 1: in to do all the last bits and pieces, and
Speaker 1: they were like, the real estate agent came back with
Speaker 1: a couple of things and they said, there's a few
Speaker 1: more things that you've got to do. Would you do
Speaker 1: you want to just come in and do them? And
Speaker 1: I said, no, please, just get another cleaner and I'll
Speaker 1: just don't pay them. No, it's too.
Speaker 4: Late, I know. And they probably cleaned it himself. The
Speaker 4: real estate agent probably took your.
Speaker 3: I can't believe you didn't get Jess to call them
Speaker 3: and like query about she would be so sassy on
Speaker 3: the phone. It would have worked out in your favor
Speaker 3: and you could have just bought her a hot chocolate
Speaker 3: or something.
Speaker 1: Yeah, but well, for the sanity, it was a bit lazy,
Speaker 1: but a bit of a confession that there's there goes
Speaker 1: a bit in there, a little bit of cash which
Speaker 1: I probably could have hung on to, but I just
Speaker 1: won't spend it next month.
Speaker 4: Yeah, I love that. Ryan.
Speaker 3: If you got something you'd like to share with the group.
Speaker 4: I'm an idiot.
Speaker 1: Oh okay, well could you tell us.
Speaker 4: Something we do? And I also have a confession.
Speaker 6: I lost my car keys again one so I lot
Speaker 6: of car keys a while ago, but I've only now
Speaker 6: got around to replacing them because I've been using the
Speaker 6: spare keys and it's one of the you know, I
Speaker 6: don't want to say proper ones, but.
Speaker 3: You know, but like the electric ones are really expensive to.
Speaker 1: Especially when you drive a Volkswagen.
Speaker 6: Well, speaking of Volkswagen, it comes from Germany. The actual key.
Speaker 6: They're like, oh, we have to call Germany to order it.
Speaker 1: Prog I don't think called hey Germany, how are you?
Speaker 4: How about those Olympics we beat you?
Speaker 3: Yeah?
Speaker 6: Yeah, classic, I assumed, and I knew they weren't going
Speaker 6: to be like cheap cheap, but I thought I'd go
Speaker 6: into the place that does the service, mister minute, and
Speaker 6: they would just open the.
Speaker 4: Drawer and go, yeah, cool.
Speaker 3: Mate, here it is another one. Is that not the case?
Speaker 6: It takes five weeks, they have to order it from Germany.
Speaker 6: Then you take your car and you didn't have a spare,
Speaker 6: and they're.
Speaker 1: Like, maybe hey, gone, guys, locksmith's sort of thing like probably.
Speaker 3: Get in the car, but like you couldn't drive it.
Speaker 3: And if that's the case, I'd pay a locksmith like
Speaker 3: a couple of hundred dollars because I feel like Ryan's
Speaker 3: about to tell us what his key cost.
Speaker 6: Four week weight from Germany. Then they have to program
Speaker 6: it in the computer and it's going to cost over
Speaker 6: three hundred and fifty dollars.
Speaker 1: That's how much my cleaner was.
Speaker 4: Oh my god, we're both as dumb as each We
Speaker 4: are idiots.
Speaker 2: No, you are not.
Speaker 3: We all have money, wins and confessions for a lost key.
Speaker 7: Can a locksmith make a key based on it? No,
Speaker 7: that's probably really only thing.
Speaker 4: Well it's for a computer.
Speaker 7: No, But like does your car door not have in
Speaker 7: addition to the book, like a key?
Speaker 3: For sure?
Speaker 4: Like normally they.
Speaker 7: Do, because what happens if you're like battery dies when
Speaker 7: you're out.
Speaker 1: New fancy cars don't have that.
Speaker 3: Old apparently, yeah, we're definitely like, my new car doesn't
Speaker 3: even have that.
Speaker 7: Okay, Ryan, that's been nice.
Speaker 4: It's an old car.
Speaker 3: Oh it's a Volkswagen, very nice. So once again, Ryan's
Speaker 3: just letting us know how rich he is. That's actually
Speaker 3: all I want to talk about right now.
Speaker 6: It was actually my wife't car that she owns. I
Speaker 6: lost turkey.
Speaker 4: You married rich.
Speaker 3: Money. You're not getting out of this. But as always,
Speaker 3: that is all we have time for today. So just
Speaker 3: before we head off, we'd like to acknowledge and pay
Speaker 3: respect to Australia's Aboriginal and torrest Rait island of People's.
Speaker 3: They're the traditional custodians of the lands, the waterways and
Speaker 3: the skies all across Australia. We thank you for sharing
Speaker 3: and the caring for the land on which we are
Speaker 3: able to learn. We pay respects to elders past and present,
Speaker 3: and we share our friendship and our kindness.
Speaker 5: And remember, guys that the advice shared on She's on
Speaker 5: the Money is general in nature and does not consider
Speaker 5: your individual circumstances. She's on the Money exists purely for
Speaker 5: educational purposes and should not be relied upon to make
Speaker 5: an investment or a financial decision, and we promise Victoria
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Speaker 3: Now quick question, Georgia, did you forget that that was
Speaker 3: your job and scrambled for your act? Yeah, okay, I
Speaker 3: saw that you found it in record times. But yeah,
Speaker 3: as always, if you want to find us on socials,
Speaker 3: come and be friends in our Facebook group where we
Speaker 3: share money tips and tricks every single day free of judgment.
Speaker 3: So so she's on the money on Facebook and join
Speaker 3: us and we'll see you next week guys.
Speaker 1: And make sure hang on, make sure that you jump
Speaker 1: into the group and tell us
Speaker 3: What your oh yeah, hey,