1 00:00:00,200 --> 00:00:19,440 Speaker 1: She's on the Money. She's on the Money. 2 00:00:23,000 --> 00:00:26,520 Speaker 2: Hello, and welcome to She's on the Money, the podcast 3 00:00:26,560 --> 00:00:30,880 Speaker 2: the millennials who want financial freedom. Welcome to another one 4 00:00:30,920 --> 00:00:34,919 Speaker 2: of our Friday Drinks episodes from Lockdown, where we celebrate 5 00:00:34,960 --> 00:00:37,320 Speaker 2: the Money wents from our She's on the Money community 6 00:00:37,560 --> 00:00:41,080 Speaker 2: and type each other up significantly because there are so 7 00:00:41,200 --> 00:00:43,680 Speaker 2: many great wins and confessions that are shared in our 8 00:00:43,720 --> 00:00:46,760 Speaker 2: community each and every single week on our Facebook group 9 00:00:47,120 --> 00:00:50,519 Speaker 2: and even through Lockdown. Our team share them all in 10 00:00:50,560 --> 00:00:51,280 Speaker 2: our group chat. 11 00:00:51,360 --> 00:00:52,200 Speaker 3: So it only. 12 00:00:52,040 --> 00:00:55,680 Speaker 2: Feels fair to extend that opportunity to you guys to 13 00:00:55,760 --> 00:00:59,080 Speaker 2: talk about our group what's been going on, and update 14 00:00:59,120 --> 00:01:00,840 Speaker 2: you on what's been happening on the pod if you 15 00:01:00,920 --> 00:01:04,520 Speaker 2: missed it, so to jump straight in Tony Lodge what 16 00:01:04,720 --> 00:01:06,720 Speaker 2: happened this week on Money Diaries. 17 00:01:07,319 --> 00:01:09,920 Speaker 4: So this week, and with all due respect to our 18 00:01:10,040 --> 00:01:14,920 Speaker 4: Money Diarist was a very normal episode and very relatable, 19 00:01:14,959 --> 00:01:18,000 Speaker 4: which I think was was it's a great time to 20 00:01:18,040 --> 00:01:20,039 Speaker 4: have a normal one when there's enough going on in 21 00:01:20,080 --> 00:01:22,559 Speaker 4: the world that you know, a bit of normality is good. 22 00:01:23,120 --> 00:01:25,520 Speaker 4: When she moved out of home to go to UNI, 23 00:01:25,600 --> 00:01:28,960 Speaker 4: she got a credit card kind of snowballed her own debt, 24 00:01:29,040 --> 00:01:33,280 Speaker 4: which is super relatable for everybody. The girl and talked 25 00:01:33,280 --> 00:01:36,280 Speaker 4: about how she then read the first three chapters of 26 00:01:36,280 --> 00:01:39,800 Speaker 4: the Barefoot Investor book and is now, you know, putting 27 00:01:39,800 --> 00:01:42,399 Speaker 4: a deposit on a house and she's killing it. 28 00:01:42,480 --> 00:01:43,440 Speaker 2: She's got a great job. 29 00:01:43,560 --> 00:01:45,680 Speaker 4: And yeah, it was just a really nice one for 30 00:01:45,840 --> 00:01:47,920 Speaker 4: someone to kind of say, I had debt and I 31 00:01:47,960 --> 00:01:50,560 Speaker 4: had to pay it off and figure it out. And also, 32 00:01:50,600 --> 00:01:53,120 Speaker 4: if I may say myself, one of the best quotes 33 00:01:53,160 --> 00:01:54,800 Speaker 4: ever was shared by me. 34 00:01:55,440 --> 00:01:58,000 Speaker 5: That's oh okay again, I'm. 35 00:01:57,840 --> 00:02:01,800 Speaker 2: Glad it's been you know, re urged and gone through 36 00:02:01,840 --> 00:02:04,560 Speaker 2: general consensus to make sure that we're all on board 37 00:02:04,560 --> 00:02:07,160 Speaker 2: with the fact that this is, according to Tony, one 38 00:02:07,160 --> 00:02:09,080 Speaker 2: of the best cheese on the money quotes. 39 00:02:09,680 --> 00:02:11,079 Speaker 5: In the episode as well. 40 00:02:11,400 --> 00:02:15,079 Speaker 2: Okay, but you shouldn't just quote people quoting myself. 41 00:02:15,840 --> 00:02:18,920 Speaker 4: No, that I shared that one thousand dollars is not 42 00:02:19,000 --> 00:02:20,560 Speaker 4: a lot of money to have, but it is a 43 00:02:20,560 --> 00:02:25,560 Speaker 4: lot of money to owe. Yes, sorry, I take everything back. 44 00:02:26,240 --> 00:02:27,840 Speaker 4: And we had a few people saying that was like 45 00:02:27,880 --> 00:02:29,639 Speaker 4: a nice little outlook. So yeah, I think it was 46 00:02:29,639 --> 00:02:30,480 Speaker 4: a good episode. 47 00:02:31,000 --> 00:02:33,520 Speaker 2: I loved that episode actually, as much as it was 48 00:02:33,600 --> 00:02:35,720 Speaker 2: quote normal, I think it was a nice to have 49 00:02:35,840 --> 00:02:39,320 Speaker 2: one that I related to and I know the best way. Yeah, 50 00:02:39,480 --> 00:02:42,000 Speaker 2: like that everybody can relate to that, So that was 51 00:02:42,040 --> 00:02:45,360 Speaker 2: really good. Jess What happened this week on our deep Dive? 52 00:02:45,800 --> 00:02:48,519 Speaker 6: So this week you and g spoke about five apps 53 00:02:48,560 --> 00:02:51,320 Speaker 6: that can make you money right now to day. If 54 00:02:51,360 --> 00:02:54,600 Speaker 6: you picked up your phone this very second, they could 55 00:02:54,720 --> 00:02:56,960 Speaker 6: make you money. I know it sounds a little scammy, 56 00:02:57,040 --> 00:02:58,560 Speaker 6: a little Clickbaby's not scammy. 57 00:02:58,600 --> 00:03:00,239 Speaker 2: I promise we aren't a scam. 58 00:03:00,440 --> 00:03:02,880 Speaker 3: Correct, But if you sign up right now, you get 59 00:03:02,880 --> 00:03:03,919 Speaker 3: a ten percent discount. 60 00:03:03,919 --> 00:03:09,760 Speaker 6: Guys, Jessica is the best, but a few different things 61 00:03:09,760 --> 00:03:12,360 Speaker 6: from like reselling items to picking up odd jobs like 62 00:03:12,400 --> 00:03:14,760 Speaker 6: pet sitting, different bits and pieces that you can do. 63 00:03:14,800 --> 00:03:16,440 Speaker 6: And we know that a lot of people in our 64 00:03:16,440 --> 00:03:19,000 Speaker 6: community are doing it tough right now with lockdown and 65 00:03:19,080 --> 00:03:20,880 Speaker 6: might need a little bit of extra wiggle room in 66 00:03:20,919 --> 00:03:23,560 Speaker 6: their cash flow. So hopefully that episode helped you out 67 00:03:23,600 --> 00:03:25,280 Speaker 6: and gave you some suggestions on what you might be 68 00:03:25,320 --> 00:03:25,839 Speaker 6: able to do. 69 00:03:26,040 --> 00:03:28,440 Speaker 2: Yeah, because we always talk about our friends from shop 70 00:03:28,520 --> 00:03:31,000 Speaker 2: back and our friends at Shares's, which are arguably two 71 00:03:31,040 --> 00:03:34,160 Speaker 2: of our favorite apps that make us money. But those 72 00:03:34,160 --> 00:03:36,760 Speaker 2: two apps require you to have money to make money 73 00:03:36,800 --> 00:03:39,880 Speaker 2: and the apps that we recommended. You don't need anything, 74 00:03:39,920 --> 00:03:42,320 Speaker 2: you just need to sign up and start doing it, 75 00:03:42,480 --> 00:03:45,400 Speaker 2: which I really liked. And Georgia and I promised that 76 00:03:45,520 --> 00:03:48,080 Speaker 2: you could do most of them from your couch or 77 00:03:48,160 --> 00:03:51,160 Speaker 2: from someone else's couch in the case of pet sitting. 78 00:03:51,480 --> 00:03:51,760 Speaker 5: Jess. 79 00:03:51,800 --> 00:03:56,200 Speaker 2: We were incredibly complimentary of you your Facebook manifestation skills 80 00:03:56,320 --> 00:03:58,240 Speaker 2: and the fact that you are essentially the queen of 81 00:03:58,280 --> 00:04:01,320 Speaker 2: deepop us. We'll get that later. We'll wrap up our 82 00:04:01,360 --> 00:04:03,960 Speaker 2: accountability or guest challenge because I want to know exactly 83 00:04:04,000 --> 00:04:06,640 Speaker 2: how you've gone on deepop But before we get to 84 00:04:06,760 --> 00:04:09,920 Speaker 2: all of that, because I'm actually really excited about it, 85 00:04:10,280 --> 00:04:13,560 Speaker 2: Ryan John, what has been going on in the Facebook 86 00:04:13,560 --> 00:04:16,240 Speaker 2: community this week? And what do you want to share? 87 00:04:16,640 --> 00:04:19,040 Speaker 3: All Right, there are some great wins this week. Some 88 00:04:19,080 --> 00:04:21,799 Speaker 3: are very small, but I think sometimes the smallest winds 89 00:04:21,880 --> 00:04:23,760 Speaker 3: can often be the most hilarious. So there's a couple 90 00:04:23,800 --> 00:04:27,760 Speaker 3: of good guns Mighty, including Michelle who when she ordered 91 00:04:27,800 --> 00:04:31,640 Speaker 3: fish and chips, got an extra flake hashtag money well done. 92 00:04:31,720 --> 00:04:35,640 Speaker 2: Result that's even bigger than getting an extra dimmy like flake. 93 00:04:35,680 --> 00:04:37,000 Speaker 2: That's like eight, that's a big deal. 94 00:04:37,080 --> 00:04:39,440 Speaker 6: I don't like you always get an extra potato cake 95 00:04:39,520 --> 00:04:42,040 Speaker 6: or an extra DYMSM, but a flake that's big. 96 00:04:42,160 --> 00:04:44,720 Speaker 2: That's big, and I reckon that they're not a good 97 00:04:44,720 --> 00:04:47,600 Speaker 2: fish and chip shop unless they give you bonus potato cakes. 98 00:04:47,720 --> 00:04:50,760 Speaker 3: Yeah, I agree with that. Now, just talking about making 99 00:04:50,760 --> 00:04:52,920 Speaker 3: money from the couch, NICKI has been listening to She's 100 00:04:52,960 --> 00:04:55,320 Speaker 3: on the money. She's been using spaceship and automating some 101 00:04:56,000 --> 00:04:59,760 Speaker 3: investment each month. She just gave her husband her referral 102 00:04:59,800 --> 00:05:04,760 Speaker 3: co and earned five dollars without leaving the cat. Well done. 103 00:05:05,320 --> 00:05:08,800 Speaker 3: Danny L has been looking for a do I say 104 00:05:08,800 --> 00:05:12,520 Speaker 3: a faux leather blazer? Perfect? Yep, So you're going to 105 00:05:12,560 --> 00:05:18,160 Speaker 3: say fox, yeah, because that's how it felt. But she 106 00:05:18,240 --> 00:05:21,000 Speaker 3: was struggling to justify the ninety dollars spend, so she 107 00:05:21,320 --> 00:05:25,200 Speaker 3: Jessica Rickett it and manifested a Facebook marketplace one and 108 00:05:25,320 --> 00:05:28,640 Speaker 3: picked up the exact same blazer for ten dollars instead 109 00:05:28,680 --> 00:05:32,279 Speaker 3: of ninety. Say one yep, she said, barely been worn 110 00:05:33,080 --> 00:05:34,919 Speaker 3: someone more at once wasn't for them. She picked it up. 111 00:05:34,920 --> 00:05:36,960 Speaker 3: They only lived two streets away, so when she did 112 00:05:36,960 --> 00:05:39,160 Speaker 3: her daily exercise for the day went for a walk, 113 00:05:39,279 --> 00:05:41,480 Speaker 3: she just literally walked down the street, picked it up, 114 00:05:41,720 --> 00:05:43,560 Speaker 3: gave him ten bucks and was on her way. Well 115 00:05:43,760 --> 00:05:46,839 Speaker 3: you love that, Natalie, and I know you've already seen 116 00:05:46,839 --> 00:05:49,120 Speaker 3: this one v Natalie said, I just re listened to 117 00:05:49,160 --> 00:05:52,799 Speaker 3: the Nailing Job Interview one oh one episode, which also 118 00:05:53,240 --> 00:05:55,880 Speaker 3: Lucy's listened to as well. Apparently I listened to it 119 00:05:55,920 --> 00:05:58,400 Speaker 3: because I had a job interview and I just got 120 00:05:58,400 --> 00:06:03,520 Speaker 3: my dream job iron sealed and delivered so well. 121 00:06:02,680 --> 00:06:05,520 Speaker 2: Literally made my heart so happy. I saw that. But 122 00:06:05,600 --> 00:06:09,320 Speaker 2: did you see that? Someone replied and said, same, two 123 00:06:09,440 --> 00:06:12,120 Speaker 2: people who got new jobs because they'd listened to the 124 00:06:12,240 --> 00:06:15,479 Speaker 2: episode and had implemented our tips and tricks, which I think, 125 00:06:15,640 --> 00:06:18,520 Speaker 2: obviously I'm taking full credit for them getting their new 126 00:06:18,640 --> 00:06:21,360 Speaker 2: jobs when we had probably absolutely nothing to do with it. 127 00:06:21,839 --> 00:06:23,680 Speaker 3: That's been good, don't say yourself. Sure, there's there's some 128 00:06:23,720 --> 00:06:25,880 Speaker 3: really good tips in the interview episode, and some of 129 00:06:25,880 --> 00:06:29,080 Speaker 3: them seem like until someone mentions it, you go, oh, 130 00:06:29,080 --> 00:06:31,680 Speaker 3: of course, But it's really easy to implement. So I'm 131 00:06:31,680 --> 00:06:33,719 Speaker 3: happy for Natalie. And she graduates unit at the end 132 00:06:33,760 --> 00:06:35,920 Speaker 3: of this year and the job starts in February. So 133 00:06:36,000 --> 00:06:38,760 Speaker 3: imagine you're halfway up, you're halfway through last year, and 134 00:06:38,800 --> 00:06:40,440 Speaker 3: you've already got a job ready to go at. 135 00:06:40,400 --> 00:06:43,400 Speaker 2: Such a dreamy. I love that for her. 136 00:06:43,960 --> 00:06:46,479 Speaker 3: Jessica got offered a new position at work. She's only 137 00:06:46,520 --> 00:06:47,360 Speaker 3: been there for two months. 138 00:06:47,400 --> 00:06:50,920 Speaker 2: Yes, good job, Ryan, you outed. 139 00:06:50,720 --> 00:06:54,360 Speaker 3: Me a different. Jessica has got offered a new position 140 00:06:54,400 --> 00:06:56,080 Speaker 3: at her work. She's only been there for two months, 141 00:06:56,279 --> 00:06:58,080 Speaker 3: and she said I had imposter syndrome. I didn't think 142 00:06:58,120 --> 00:06:59,680 Speaker 3: I could do it two months in. I've got to 143 00:06:59,720 --> 00:07:04,320 Speaker 3: promote and extra twenty thousand dollars a year, Oh my gosh, 144 00:07:04,480 --> 00:07:07,200 Speaker 3: plus twelve percent super as well, if you don't mind. 145 00:07:07,240 --> 00:07:10,240 Speaker 2: On top of that, well, I don't mind if I do. 146 00:07:10,440 --> 00:07:14,680 Speaker 3: My friends who Rihanna, now here's a big one. I 147 00:07:14,880 --> 00:07:17,400 Speaker 3: just got pre approval for a home loan to buy 148 00:07:17,440 --> 00:07:21,040 Speaker 3: my first house, all on my own. I've been listening 149 00:07:21,080 --> 00:07:23,320 Speaker 3: to She's on the Money for years. I've been saving hard, 150 00:07:23,640 --> 00:07:26,200 Speaker 3: and now I've got pre approval. We're signed off. I 151 00:07:26,360 --> 00:07:29,160 Speaker 3: just need to find a place, so Welllash. 152 00:07:28,520 --> 00:07:31,720 Speaker 2: Yes, how good is it when people that have been 153 00:07:31,720 --> 00:07:35,520 Speaker 2: in our community for ages finally achieve their goals? Like 154 00:07:35,840 --> 00:07:38,840 Speaker 2: it's so exciting. It's literally my favorite part of She's 155 00:07:38,840 --> 00:07:41,160 Speaker 2: on the Money is you guys sharing what you're achieving 156 00:07:41,240 --> 00:07:41,680 Speaker 2: with us? 157 00:07:41,760 --> 00:07:43,720 Speaker 3: Will Yeah and if you want to go check out 158 00:07:43,720 --> 00:07:45,680 Speaker 3: the Property Playbook, because I know if she's going to 159 00:07:45,720 --> 00:07:48,080 Speaker 3: start doing inspections and looking around, there's a whole bunch 160 00:07:48,080 --> 00:07:50,320 Speaker 3: of tips and tricks and little things to look out 161 00:07:50,320 --> 00:07:51,960 Speaker 3: for and hidden costs you might want to avoid. So 162 00:07:52,000 --> 00:07:57,400 Speaker 3: the Property Playbook for Anna. So from Rhannon to Briannon 163 00:07:58,240 --> 00:08:03,120 Speaker 3: from re to bre Brie says, I haven't spent a 164 00:08:03,160 --> 00:08:06,400 Speaker 3: single dollar on petrol all month because of lockdown. I 165 00:08:06,400 --> 00:08:08,120 Speaker 3: guess there is a silver line. 166 00:08:08,360 --> 00:08:10,760 Speaker 2: That is a pretty good win. That is a win. 167 00:08:11,360 --> 00:08:14,880 Speaker 2: I would love everybody who's potentially in a position where 168 00:08:14,880 --> 00:08:18,360 Speaker 2: they were spending money on petrol to transfer that money 169 00:08:18,400 --> 00:08:20,640 Speaker 2: to savings so it doesn't get spent on something else 170 00:08:20,800 --> 00:08:21,520 Speaker 2: during lockdown. 171 00:08:21,520 --> 00:08:24,800 Speaker 3: Though it's aggressive language from Victoria Devine, but very smart. 172 00:08:25,160 --> 00:08:27,800 Speaker 2: I'm just an aggressive kind of person, guys, That's just 173 00:08:27,880 --> 00:08:29,720 Speaker 2: who I am. 174 00:08:30,000 --> 00:08:33,040 Speaker 3: And finally, Rachel said, I've been wanting to buy an 175 00:08:33,040 --> 00:08:35,600 Speaker 3: outdoor furniture set for my backyard. 176 00:08:35,120 --> 00:08:37,240 Speaker 2: For ages or expensive. 177 00:08:37,559 --> 00:08:40,080 Speaker 3: I had no idea how expensive they could be. I 178 00:08:40,120 --> 00:08:42,160 Speaker 3: was looking at a year ago and we just didn't 179 00:08:42,160 --> 00:08:45,400 Speaker 3: bother because they were like thousands of thousands dollars. Yeah, 180 00:08:45,480 --> 00:08:47,920 Speaker 3: so Rachel said on Sunday morning, I went for a 181 00:08:48,040 --> 00:08:50,760 Speaker 3: run and someone had put a full outdoor setting on 182 00:08:50,840 --> 00:08:53,800 Speaker 3: the side of the road in excellent condition. It turns 183 00:08:53,840 --> 00:08:55,520 Speaker 3: out they've upgraded. So it just knocked on the door 184 00:08:55,520 --> 00:08:57,720 Speaker 3: and said, hey, maybe you mean. 185 00:08:57,720 --> 00:08:58,600 Speaker 2: To leave that out? 186 00:08:59,000 --> 00:09:02,720 Speaker 5: Yeah, moving in and out of the front. 187 00:09:03,360 --> 00:09:05,160 Speaker 2: She checked though, that's so respectable. 188 00:09:05,160 --> 00:09:10,160 Speaker 3: Imagine Rachel, like money win, I robbed these people. So no, 189 00:09:10,280 --> 00:09:12,560 Speaker 3: it was in excellent condition. They had just upgraded. So 190 00:09:12,600 --> 00:09:15,079 Speaker 3: she quickly ran home and got the in laws that hey, guys, 191 00:09:15,120 --> 00:09:16,720 Speaker 3: come follow me. You got to help me out, and 192 00:09:16,760 --> 00:09:19,400 Speaker 3: they carried it down the street at the table and 193 00:09:19,480 --> 00:09:22,120 Speaker 3: chairs and stuff. So she said she was looking at 194 00:09:22,120 --> 00:09:25,760 Speaker 3: spending about five hundred dollars minimum, and that's really minimum. 195 00:09:25,760 --> 00:09:28,840 Speaker 3: But yeah, no, She's like, that was the real bottom end. 196 00:09:28,880 --> 00:09:31,640 Speaker 3: But now we've spent zero dollars and we are set. 197 00:09:31,720 --> 00:09:35,040 Speaker 3: So well done, Rachel, huge win, huge. 198 00:09:34,720 --> 00:09:39,080 Speaker 5: Win, money win Tobes and I did that with a microwave. Once. 199 00:09:40,000 --> 00:09:43,520 Speaker 5: We got a free microwave and we had to walk 200 00:09:43,559 --> 00:09:44,360 Speaker 5: it all the way home. 201 00:09:44,400 --> 00:09:46,840 Speaker 4: It was like three blocks away. We didn't have a 202 00:09:46,880 --> 00:09:49,200 Speaker 4: car at the time, so we just carry it all 203 00:09:49,240 --> 00:09:49,720 Speaker 4: the way home. 204 00:09:49,920 --> 00:09:52,600 Speaker 2: A microwave is a lot heavier than you would except 205 00:09:53,440 --> 00:09:56,360 Speaker 2: I can imagine. Good question though, did you just find 206 00:09:56,360 --> 00:09:57,480 Speaker 2: it on the side of the road? 207 00:09:57,760 --> 00:09:58,880 Speaker 5: No, no, no, no. 208 00:09:58,760 --> 00:10:02,920 Speaker 2: OA, Because I was about to say, I was about 209 00:10:02,960 --> 00:10:06,160 Speaker 2: to say, did you literally carry a microwave for three 210 00:10:06,240 --> 00:10:11,120 Speaker 2: blocks with the hope that it was working? Can you 211 00:10:11,160 --> 00:10:13,120 Speaker 2: imagine if you got it home and they were like, thump, 212 00:10:13,600 --> 00:10:15,200 Speaker 2: that's the reason it was on the side. 213 00:10:14,960 --> 00:10:16,280 Speaker 3: Of the road, take it back. 214 00:10:18,400 --> 00:10:20,840 Speaker 6: I feel like that's an interesting thread maybe for Friday. 215 00:10:20,920 --> 00:10:22,480 Speaker 6: Let us know what's the best thing you've picked up 216 00:10:22,480 --> 00:10:25,320 Speaker 6: on the side of the road, because I've seen a 217 00:10:25,320 --> 00:10:28,040 Speaker 6: few good ones, and I've never been so lucky. I'm 218 00:10:28,080 --> 00:10:30,680 Speaker 6: quite envious of the people who find really fantastic things, 219 00:10:30,720 --> 00:10:31,840 Speaker 6: so I'd love to know what it was. 220 00:10:31,960 --> 00:10:33,640 Speaker 2: I want to know your hard rubbish winds. 221 00:10:33,960 --> 00:10:35,720 Speaker 3: All right, let's put that in the group. And I 222 00:10:35,800 --> 00:10:37,400 Speaker 3: just want to add for hard rubbish. When I was 223 00:10:37,440 --> 00:10:40,560 Speaker 3: really little, like probably grade six, grade five, I always 224 00:10:40,640 --> 00:10:43,400 Speaker 3: used to take a bicycle helmet as I walked. There 225 00:10:43,440 --> 00:10:46,000 Speaker 3: was a couple of kilometers to school, because I didn't 226 00:10:46,040 --> 00:10:47,439 Speaker 3: know what I was going to find on the way, 227 00:10:47,480 --> 00:10:49,560 Speaker 3: but I knew i'd find something, whether it was an 228 00:10:49,559 --> 00:10:51,480 Speaker 3: old scooter or an old bike or a trolley. I 229 00:10:51,520 --> 00:10:53,679 Speaker 3: just knew there'd be something ridable on the way to school, 230 00:10:53,720 --> 00:10:55,960 Speaker 3: and I did that every year during hard rubbish and 231 00:10:55,960 --> 00:10:57,800 Speaker 3: all our friends rock up like, oh we found a scooter, 232 00:10:57,920 --> 00:11:00,000 Speaker 3: Oh what did you find? Oh we found this old 233 00:11:00,320 --> 00:11:00,719 Speaker 3: But you. 234 00:11:00,800 --> 00:11:04,360 Speaker 4: Cared enough to But you cared enough about your safety. 235 00:11:04,559 --> 00:11:08,240 Speaker 3: My mum told me to. And I can tell you 236 00:11:08,240 --> 00:11:10,640 Speaker 3: that one day I rode someone's desk chair down the 237 00:11:10,720 --> 00:11:11,640 Speaker 3: hill to my house. 238 00:11:13,080 --> 00:11:14,920 Speaker 5: I'm glad that you did have a helmet for that. 239 00:11:14,920 --> 00:11:16,840 Speaker 5: That sounds like it could be pretty dangerous. 240 00:11:16,920 --> 00:11:17,960 Speaker 3: Yeah, what it really was. 241 00:11:19,240 --> 00:11:20,840 Speaker 5: We don't condone this. 242 00:11:20,960 --> 00:11:23,080 Speaker 2: Yeah, we don't condone that type of behavior, but if 243 00:11:23,080 --> 00:11:24,760 Speaker 2: you are going to do it, please take your helmet. 244 00:11:24,760 --> 00:11:27,959 Speaker 3: My friend, absolutely safety first. Please go to this she's 245 00:11:27,960 --> 00:11:30,200 Speaker 3: on the money Facebook group. Joined the one hundred and 246 00:11:30,320 --> 00:11:33,800 Speaker 3: ninety thousand people in there, and tell us your hard 247 00:11:33,880 --> 00:11:37,640 Speaker 3: rubbish wins and we'll share them on this podcast next week. 248 00:11:42,520 --> 00:11:46,200 Speaker 2: All right, whipping back into this episode, guys, it is 249 00:11:46,280 --> 00:11:50,439 Speaker 2: the end of accountability August. We have been sharing our 250 00:11:50,440 --> 00:11:53,559 Speaker 2: accountability tips in the community. We've seen you guys all 251 00:11:53,559 --> 00:11:58,040 Speaker 2: over Instagram sharing our little Instagram story posts that you 252 00:11:58,040 --> 00:12:00,280 Speaker 2: could fill in and share your goals and you were 253 00:12:00,320 --> 00:12:04,079 Speaker 2: going to achieve. I know that I definitely haven't stuck 254 00:12:04,280 --> 00:12:06,640 Speaker 2: to my goal, but I've learned a thing or two 255 00:12:06,760 --> 00:12:07,720 Speaker 2: along the way. 256 00:12:08,480 --> 00:12:11,360 Speaker 3: Brian John, why do you always have to start with me, 257 00:12:11,400 --> 00:12:12,959 Speaker 3: which you know I've failed miserically. 258 00:12:13,120 --> 00:12:16,000 Speaker 2: Well, I just feel we can only go up from 259 00:12:16,120 --> 00:12:16,640 Speaker 2: after you. 260 00:12:17,520 --> 00:12:20,360 Speaker 3: How did you go on at fair? 261 00:12:20,840 --> 00:12:23,439 Speaker 2: How did you go during accountability August? 262 00:12:23,840 --> 00:12:26,400 Speaker 3: So my goal was to not spend any money on 263 00:12:26,559 --> 00:12:29,960 Speaker 3: Uber Eats for the entirety of August. And two days 264 00:12:30,000 --> 00:12:32,199 Speaker 3: after I said that, we went into a lockdown. And 265 00:12:32,760 --> 00:12:35,440 Speaker 3: as we've discussed many times, if there's one thing in 266 00:12:35,480 --> 00:12:37,760 Speaker 3: lockdown you can actually look forward to in your day 267 00:12:37,760 --> 00:12:41,480 Speaker 3: to give you a little spark of joy, food, it's food. Food. 268 00:12:41,480 --> 00:12:43,760 Speaker 3: Maybe living with my wife is also great, but food, 269 00:12:44,200 --> 00:12:47,760 Speaker 3: genuinely is great. And so the first few weeks I 270 00:12:47,800 --> 00:12:51,880 Speaker 3: pushed hard and I tried to use door dash or 271 00:12:52,000 --> 00:12:55,520 Speaker 3: use Bridget's account. But that is cheating, is it really is? 272 00:12:56,200 --> 00:12:58,360 Speaker 3: And that by the last week I've just really bombed 273 00:12:58,400 --> 00:13:00,679 Speaker 3: out hard and just got a move read to be honest, 274 00:13:00,679 --> 00:13:03,280 Speaker 3: but I just wanted to share two things quickly. I 275 00:13:03,320 --> 00:13:05,680 Speaker 3: did post a thing on TikTok this. 276 00:13:05,559 --> 00:13:08,360 Speaker 2: Week it's about to say, do you want to describe it? 277 00:13:09,240 --> 00:13:14,440 Speaker 2: You literally posted a TikTok during Accountability August how the 278 00:13:14,520 --> 00:13:17,720 Speaker 2: thing you're best at cooking in the kitchen is actually 279 00:13:17,760 --> 00:13:20,079 Speaker 2: cooking up excuses toward uber each. 280 00:13:20,000 --> 00:13:22,000 Speaker 3: It's my best thing I can cook up now. I 281 00:13:22,120 --> 00:13:26,560 Speaker 3: posted this. Alisha Grace commented on TikTok and said, Ryan, 282 00:13:27,120 --> 00:13:30,120 Speaker 3: there's still two days left of Accountability August. 283 00:13:31,960 --> 00:13:33,040 Speaker 2: He's not wrong. 284 00:13:33,360 --> 00:13:36,160 Speaker 3: And I replied to Alisha, I was like, mate, like 285 00:13:36,240 --> 00:13:38,840 Speaker 3: you said, Jess, weeks and weeks have gone past before 286 00:13:38,880 --> 00:13:41,280 Speaker 3: that was really But can I just point out I 287 00:13:41,400 --> 00:13:43,679 Speaker 3: was adamant that out of the hundreds of thousands of 288 00:13:43,679 --> 00:13:45,880 Speaker 3: people in the group, that I was not last. And 289 00:13:45,920 --> 00:13:48,280 Speaker 3: I think I've sound someone worse than me, well, not 290 00:13:48,320 --> 00:13:50,120 Speaker 3: worse than me, but just maybe who didn't succeed. I 291 00:13:50,120 --> 00:13:51,720 Speaker 3: don't want to be aggressive because I love this, but 292 00:13:52,920 --> 00:13:56,560 Speaker 3: Catherine says, I was supposed to go around the house 293 00:13:56,600 --> 00:13:59,400 Speaker 3: and sell a whole bunch of things on Facebook Marketplace, 294 00:13:59,440 --> 00:14:02,000 Speaker 3: and I was gonna make a huge profit. Instead, I 295 00:14:02,080 --> 00:14:05,520 Speaker 3: accidentally bought a puppy and sold nothings. 296 00:14:05,720 --> 00:14:07,559 Speaker 2: That's not failing, that's winning. 297 00:14:07,920 --> 00:14:08,880 Speaker 3: That is brilliant. 298 00:14:09,080 --> 00:14:11,800 Speaker 2: That's a great way to get off doing the challenge. Though, 299 00:14:11,920 --> 00:14:13,880 Speaker 2: oh sorry, accidentally got a puppy. 300 00:14:14,080 --> 00:14:16,679 Speaker 3: Accidentally got a puppy, she goes, but don't worry. September 301 00:14:16,800 --> 00:14:21,880 Speaker 3: will be my month, so nice work, Catherine. September will 302 00:14:21,880 --> 00:14:24,160 Speaker 3: also be my month. Let's not check back on this 303 00:14:24,200 --> 00:14:27,880 Speaker 3: one though. Let's go to Tony. Can you remind us 304 00:14:27,920 --> 00:14:28,920 Speaker 3: what you were attempting? 305 00:14:29,320 --> 00:14:33,560 Speaker 4: Okay, So my accountability August challenge was for no discretionary spending, 306 00:14:33,640 --> 00:14:36,000 Speaker 4: so only spending on things like brant, food and bills, 307 00:14:36,000 --> 00:14:37,200 Speaker 4: anything legally binding. 308 00:14:37,640 --> 00:14:39,720 Speaker 2: I anything legally binding. 309 00:14:40,600 --> 00:14:44,560 Speaker 4: I didn't buy anything that wasn't like we bought takeaway 310 00:14:44,600 --> 00:14:47,080 Speaker 4: a couple of times, and I. 311 00:14:46,960 --> 00:14:51,200 Speaker 2: Think during lockdown that's completely excusable. Everybody is going to say, yep, 312 00:14:51,280 --> 00:14:55,400 Speaker 2: she deserves that, you know. Yeah, it's true. Girls gotta eat. 313 00:14:55,840 --> 00:15:00,160 Speaker 4: And I didn't buy anything like any clothes or anything 314 00:15:00,600 --> 00:15:04,120 Speaker 4: for the whole month until Saturday, I bought a TV, 315 00:15:04,800 --> 00:15:07,960 Speaker 4: so I didn't. 316 00:15:07,640 --> 00:15:10,480 Speaker 2: Buy like a ten dollar top on. Asofs you literally 317 00:15:10,560 --> 00:15:12,920 Speaker 2: went and bought an entire television set. 318 00:15:13,560 --> 00:15:17,280 Speaker 4: But I would just like to preface or not preface, 319 00:15:17,280 --> 00:15:19,680 Speaker 4: because I'm saying it after. I would just like to 320 00:15:20,000 --> 00:15:23,200 Speaker 4: stick up for myself for yourself, defend myself. Thank you 321 00:15:24,240 --> 00:15:28,720 Speaker 4: didn't spend money on language. Apparently I've become so much 322 00:15:28,800 --> 00:15:32,640 Speaker 4: more mindful about things, and I haven't sat down and 323 00:15:32,800 --> 00:15:36,240 Speaker 4: just scrolled through and added things to my car, which 324 00:15:36,600 --> 00:15:40,120 Speaker 4: is so easy to do, especially when like everybody, I've got, 325 00:15:40,160 --> 00:15:42,440 Speaker 4: you know, my cash hub, my fun money, and I've 326 00:15:42,480 --> 00:15:45,480 Speaker 4: got all these different accounts. So if I know that 327 00:15:45,520 --> 00:15:48,880 Speaker 4: there's money in my fun money, I don't just go oh, 328 00:15:48,920 --> 00:15:50,960 Speaker 4: I might as well, or I like that enough to 329 00:15:51,000 --> 00:15:51,440 Speaker 4: buy it. 330 00:15:51,720 --> 00:15:54,040 Speaker 5: I was actually thinking, you know what, no, I don't 331 00:15:54,040 --> 00:15:54,360 Speaker 5: need that. 332 00:15:54,840 --> 00:15:58,160 Speaker 4: And the TV was a big purchase that we that 333 00:15:58,280 --> 00:16:01,240 Speaker 4: my boyfriend and I talked about for a while, and 334 00:16:01,400 --> 00:16:04,360 Speaker 4: we went halves from our fun money instead of being like, oh, 335 00:16:04,440 --> 00:16:05,720 Speaker 4: this is a necessity. 336 00:16:06,240 --> 00:16:09,200 Speaker 5: So I feel like we've come a long way. 337 00:16:10,080 --> 00:16:12,640 Speaker 3: Besides the TV, Tony, if you could put a dollar 338 00:16:12,680 --> 00:16:16,480 Speaker 3: amount on your discretionary spending for the month, do you think, oh. 339 00:16:16,400 --> 00:16:21,480 Speaker 4: Well, actually I can tell you because I put all 340 00:16:21,520 --> 00:16:24,080 Speaker 4: of my money into my upsaver. 341 00:16:24,680 --> 00:16:25,640 Speaker 2: We'll you do that, Tony. 342 00:16:25,680 --> 00:16:27,560 Speaker 6: I just want to say I am so impressed that 343 00:16:27,640 --> 00:16:29,480 Speaker 6: you made it through the whole Like that isn't not 344 00:16:29,840 --> 00:16:33,600 Speaker 6: a small feet, do you know, especially in lockdown where 345 00:16:33,800 --> 00:16:37,640 Speaker 6: we're really scrounging around for like a drip of joy 346 00:16:37,720 --> 00:16:38,560 Speaker 6: or serotonin. 347 00:16:39,680 --> 00:16:41,600 Speaker 2: I feel like you've done such a good job. Yeah, 348 00:16:41,600 --> 00:16:42,440 Speaker 2: I'm so proud of you. 349 00:16:42,680 --> 00:16:43,840 Speaker 5: But I mean, don't get it wrong. 350 00:16:43,880 --> 00:16:46,160 Speaker 4: On Wednesday, when it hit September first, I got that 351 00:16:46,280 --> 00:16:48,560 Speaker 4: serotonin back. 352 00:16:48,880 --> 00:16:51,160 Speaker 2: So how much did you end up September? 353 00:16:52,440 --> 00:16:55,160 Speaker 4: So all of the money that I didn't spend or 354 00:16:55,200 --> 00:16:58,320 Speaker 4: put aside when I went to spend it and I 355 00:16:58,560 --> 00:17:02,320 Speaker 4: put aside, I mean money from my fun money that 356 00:17:02,560 --> 00:17:05,680 Speaker 4: when I got new fun money, like my allowance kicked in, 357 00:17:05,960 --> 00:17:08,399 Speaker 4: I just put all of that money into my overflow 358 00:17:09,720 --> 00:17:12,359 Speaker 4: and that account has five hundred and seventy six dollars 359 00:17:12,400 --> 00:17:12,639 Speaker 4: in it. 360 00:17:12,880 --> 00:17:16,040 Speaker 2: Oh yeah, that is so good. 361 00:17:16,240 --> 00:17:16,440 Speaker 3: Yep. 362 00:17:16,480 --> 00:17:17,959 Speaker 5: So I'm going to go and spend that now. If 363 00:17:18,000 --> 00:17:20,320 Speaker 5: we could wrap this up, I'll wrap. 364 00:17:20,160 --> 00:17:22,520 Speaker 2: This up really quickly. But I do have another question 365 00:17:22,640 --> 00:17:25,760 Speaker 2: for you, Tony. You mentioned before that it made you 366 00:17:25,880 --> 00:17:28,120 Speaker 2: feel a little bit more mindful. Do you think that's 367 00:17:28,160 --> 00:17:30,199 Speaker 2: going to carry on? Do you think that you're spending 368 00:17:30,240 --> 00:17:32,600 Speaker 2: habits will change because you did this challenge? 369 00:17:33,680 --> 00:17:36,560 Speaker 4: I think that they will because I feel, you know, how, 370 00:17:36,640 --> 00:17:39,159 Speaker 4: what's that thing? It takes twenty days to break a 371 00:17:39,200 --> 00:17:41,359 Speaker 4: happy eight days to create after days. 372 00:17:41,800 --> 00:17:42,680 Speaker 2: Yeah, so I. 373 00:17:42,640 --> 00:17:46,760 Speaker 4: Feel like not actually sitting on my phone and just 374 00:17:46,840 --> 00:17:49,840 Speaker 4: mindlessly adding things to my cart, I feel like actually 375 00:17:49,880 --> 00:17:52,679 Speaker 4: will make a difference. I know it sounds really silly, 376 00:17:52,720 --> 00:17:55,479 Speaker 4: but it's so easy as well to just spend, like 377 00:17:55,520 --> 00:17:57,880 Speaker 4: you said, that ten dollars on that top on aesouce 378 00:17:57,960 --> 00:18:00,159 Speaker 4: or you know, just a little bit of money on 379 00:18:00,240 --> 00:18:01,600 Speaker 4: something when. 380 00:18:01,840 --> 00:18:03,080 Speaker 2: It adds up so quickly. 381 00:18:03,119 --> 00:18:05,760 Speaker 4: But because I didn't do that at all, none of 382 00:18:05,760 --> 00:18:09,680 Speaker 4: those cheeky ten dollars were ever leaving my account. And 383 00:18:09,960 --> 00:18:12,200 Speaker 4: it's like when you've done it for a month and 384 00:18:12,240 --> 00:18:15,040 Speaker 4: you've seen the impact it can actually. 385 00:18:14,600 --> 00:18:17,600 Speaker 5: Make, it makes you feel really good. I could feel 386 00:18:17,840 --> 00:18:20,240 Speaker 5: this self righteous all the time. 387 00:18:22,200 --> 00:18:26,080 Speaker 6: I love that for you definitely do that more so 388 00:18:26,119 --> 00:18:28,320 Speaker 6: if you need to raise yourself in the pecking order 389 00:18:28,359 --> 00:18:32,080 Speaker 6: of your friend's effects, you just want. 390 00:18:31,960 --> 00:18:36,200 Speaker 2: To steal better than everybody else. Take advice from Tony Lodge. 391 00:18:36,880 --> 00:18:39,439 Speaker 4: But I know that I saved quite a bit, but 392 00:18:39,520 --> 00:18:42,040 Speaker 4: I know that Jess made quite a bit. 393 00:18:42,520 --> 00:18:43,040 Speaker 3: I did. 394 00:18:43,280 --> 00:18:47,120 Speaker 6: I am so excited. I wasn't sure when we went 395 00:18:47,119 --> 00:18:48,920 Speaker 6: into lockdown. I thought, oh, that's it, Like I'm not 396 00:18:48,960 --> 00:18:50,680 Speaker 6: going to be able to sell anything because my plan 397 00:18:50,840 --> 00:18:53,280 Speaker 6: was originally to sell a bunch of stuff on Marketplace. 398 00:18:53,400 --> 00:18:55,879 Speaker 3: What was the goal. There's a money meaning. 399 00:18:55,640 --> 00:18:59,439 Speaker 6: For five hundred yeah, which was a little spicy, but 400 00:18:59,760 --> 00:19:01,920 Speaker 6: I actually ended up making eight. 401 00:19:01,760 --> 00:19:03,560 Speaker 2: Hundred and three seven years. 402 00:19:05,359 --> 00:19:07,920 Speaker 6: She yes, I sold a heap of stuff on deepop, 403 00:19:07,960 --> 00:19:11,560 Speaker 6: including to some beautiful community members, many of whom said, 404 00:19:11,640 --> 00:19:13,679 Speaker 6: I've put twenty four hours between me and this purchase 405 00:19:13,720 --> 00:19:15,959 Speaker 6: and I really wanted it aligns with my values and 406 00:19:16,160 --> 00:19:18,919 Speaker 6: made me tell you that made me so happy. But 407 00:19:19,000 --> 00:19:21,280 Speaker 6: I got really lucky and I had an appliance that 408 00:19:21,359 --> 00:19:24,480 Speaker 6: I had listed on Marketplace ages ago for one hundred 409 00:19:24,480 --> 00:19:27,560 Speaker 6: and fifty bucks, sell to someone who lives in my estate. 410 00:19:27,640 --> 00:19:30,040 Speaker 6: And we did just like Danielle, I did contact less 411 00:19:30,080 --> 00:19:32,040 Speaker 6: pick up. They just transferred me the money, there was 412 00:19:32,040 --> 00:19:33,600 Speaker 6: no contact and I left it out the front for them, 413 00:19:33,640 --> 00:19:34,760 Speaker 6: which was awesome. 414 00:19:34,520 --> 00:19:38,879 Speaker 4: And really boosted that money up. You know, that is 415 00:19:39,080 --> 00:19:42,040 Speaker 4: so cool, Jess. That is such a huge effort. Eight 416 00:19:42,160 --> 00:19:46,240 Speaker 4: hundred dollars and then I'm proud of you look at 417 00:19:46,240 --> 00:19:46,600 Speaker 4: her go. 418 00:19:47,520 --> 00:19:51,879 Speaker 6: My big takeaway, I think was that you really don't 419 00:19:52,040 --> 00:19:54,399 Speaker 6: need the things that you think you do. Like I 420 00:19:54,440 --> 00:19:56,639 Speaker 6: did a big clear out pre lockdown and had a 421 00:19:56,640 --> 00:19:58,280 Speaker 6: bunch of stuff to sell, and then because I was 422 00:19:58,320 --> 00:20:00,639 Speaker 6: at home and board, I went through all my stuff 423 00:20:00,640 --> 00:20:03,080 Speaker 6: that I'd already been through and I found so much 424 00:20:03,119 --> 00:20:06,040 Speaker 6: more stuff that I was like, oh, like, I obviously 425 00:20:06,240 --> 00:20:08,480 Speaker 6: wasn't ruthless enough the first time. I don't need that. 426 00:20:08,560 --> 00:20:10,919 Speaker 6: I haven't used it in a year or whatever. So 427 00:20:10,960 --> 00:20:13,600 Speaker 6: I feel like, Yeah, just holding onto things that you're 428 00:20:13,600 --> 00:20:16,320 Speaker 6: not using is really not serving you when you could 429 00:20:16,320 --> 00:20:18,679 Speaker 6: sell them and have that money do something for you, 430 00:20:18,800 --> 00:20:20,879 Speaker 6: especially if you were to investor or something like that. 431 00:20:21,000 --> 00:20:22,320 Speaker 3: What are you going to do with the eight hundred 432 00:20:22,320 --> 00:20:22,800 Speaker 3: dollars yest? 433 00:20:22,960 --> 00:20:24,840 Speaker 5: Is this going into your kitchen aid fund? 434 00:20:25,400 --> 00:20:26,080 Speaker 2: No, it's not. 435 00:20:26,400 --> 00:20:29,520 Speaker 6: It's going into my emergency fund. Because my emergency fund 436 00:20:29,600 --> 00:20:34,720 Speaker 6: was pretty much an existent, so I had been dipping 437 00:20:34,760 --> 00:20:36,840 Speaker 6: into it and it had gone down, so I wanted 438 00:20:36,880 --> 00:20:38,399 Speaker 6: to get it back up to one thousand, and that 439 00:20:38,600 --> 00:20:39,400 Speaker 6: almost gets. 440 00:20:39,200 --> 00:20:40,080 Speaker 2: Me there, which is amazing. 441 00:20:40,440 --> 00:20:41,199 Speaker 3: I love that. 442 00:20:41,840 --> 00:20:45,160 Speaker 2: Yeah, that is literally so good. And I love how 443 00:20:45,200 --> 00:20:48,480 Speaker 2: easy it is to sell things on deepop and Facebook marketplace, 444 00:20:48,880 --> 00:20:52,160 Speaker 2: even during this time. It's also really easy to buy 445 00:20:52,200 --> 00:20:56,120 Speaker 2: things on Facebook markets And shout out to Alissa, who 446 00:20:56,160 --> 00:20:58,439 Speaker 2: I tried to purchase something from the other day, and 447 00:20:58,520 --> 00:21:01,159 Speaker 2: she replied to me and said, Victoria divine, is this 448 00:21:01,200 --> 00:21:04,800 Speaker 2: in line with your values? And I was like, oh 449 00:21:05,240 --> 00:21:06,600 Speaker 2: yet out, yes it is. 450 00:21:06,720 --> 00:21:09,440 Speaker 3: Please give me Are you trying to make a sale 451 00:21:09,560 --> 00:21:11,720 Speaker 3: or are you not made money? 452 00:21:11,720 --> 00:21:12,760 Speaker 2: For a money? 453 00:21:13,440 --> 00:21:15,760 Speaker 3: Could you imagine if a Lissa worked in retail, You're 454 00:21:15,800 --> 00:21:17,199 Speaker 3: going to buy some clothes and they're like, do you 455 00:21:17,280 --> 00:21:18,600 Speaker 3: really need this? You really need this? 456 00:21:20,480 --> 00:21:23,600 Speaker 2: Yes, she was a delight to deal with. I transferred 457 00:21:23,640 --> 00:21:26,119 Speaker 2: her the money. She sent me the dress perfect condition, 458 00:21:26,400 --> 00:21:30,960 Speaker 2: very happy, love of Facebook marketplace whin but didn't appreciate 459 00:21:31,000 --> 00:21:33,600 Speaker 2: the sas, but it made good content for our podcast. 460 00:21:33,680 --> 00:21:35,600 Speaker 2: So thank you so much Alyssa for coming. 461 00:21:35,480 --> 00:21:38,000 Speaker 3: The how is your lunch purchasing or their lack of 462 00:21:38,320 --> 00:21:39,800 Speaker 3: through the month of August? 463 00:21:40,040 --> 00:21:42,400 Speaker 2: Do you know what? I feel like I've been able 464 00:21:42,440 --> 00:21:44,600 Speaker 2: to stick to this, but I also feel like I've 465 00:21:44,600 --> 00:21:47,360 Speaker 2: missed out a bit, Like everybody's had these really good 466 00:21:47,400 --> 00:21:50,879 Speaker 2: outcomes by you. Ryan Jess has made eight bundred bucks, 467 00:21:51,080 --> 00:21:54,720 Speaker 2: Tony saved like five hundred dollars, and I'm here ordering 468 00:21:54,920 --> 00:21:57,280 Speaker 2: rice noodles or Uber eats at two pm because I 469 00:21:57,320 --> 00:22:00,560 Speaker 2: forgot to eat lunch because lockdown life, just like you're 470 00:22:00,560 --> 00:22:03,479 Speaker 2: on a seventeen hour international flight in your own home. 471 00:22:04,520 --> 00:22:07,240 Speaker 2: So I feel like I have not done as well 472 00:22:07,280 --> 00:22:11,680 Speaker 2: as I could have. But in saying that, I wasn't 473 00:22:11,680 --> 00:22:13,840 Speaker 2: in the office, so I often did just eat at 474 00:22:13,880 --> 00:22:17,000 Speaker 2: home because the food was literally right there in the fridge. 475 00:22:17,040 --> 00:22:19,679 Speaker 2: I didn't have to forethink about taking it to work. 476 00:22:20,040 --> 00:22:23,040 Speaker 2: I'll probably try and pick the challenge up again when 477 00:22:23,040 --> 00:22:25,000 Speaker 2: I get back to work and we're back in the office. 478 00:22:25,000 --> 00:22:27,760 Speaker 3: Small full time shout out to twenty twenty four when 479 00:22:27,800 --> 00:22:28,960 Speaker 3: we're back guys. 480 00:22:30,040 --> 00:22:32,640 Speaker 2: Seeing you. But I think that I'll have to pick 481 00:22:32,680 --> 00:22:35,280 Speaker 2: it up again and pick another challenge because I feel like, 482 00:22:35,320 --> 00:22:40,119 Speaker 2: as much as I love accountability August, I'm really looking 483 00:22:40,200 --> 00:22:41,920 Speaker 2: forward to saving September. 484 00:22:42,000 --> 00:22:46,440 Speaker 3: Guys, Well, I'll tell you I can't do nothing. 485 00:22:46,440 --> 00:22:46,679 Speaker 6: I know. 486 00:22:49,240 --> 00:22:51,600 Speaker 5: I need to spend some money. 487 00:22:52,840 --> 00:22:55,000 Speaker 3: And then blow out October, which will be one of 488 00:22:55,040 --> 00:22:56,720 Speaker 3: the great months. Because I just send a shout out 489 00:22:56,720 --> 00:22:59,320 Speaker 3: to Taliah, who, like Tony, wanted to do a no 490 00:22:59,440 --> 00:23:03,280 Speaker 3: spend month. Her total of unnecessary spending for the entire 491 00:23:03,400 --> 00:23:06,440 Speaker 3: month was sixty one dollars. She just spent. 492 00:23:06,400 --> 00:23:12,639 Speaker 2: Sixty one who, for your troll is a massive flex. 493 00:23:12,960 --> 00:23:15,200 Speaker 4: I thought you were going to say, that's what she saved. 494 00:23:15,240 --> 00:23:20,640 Speaker 4: I was like, Dalah as well as me spend sixty six. 495 00:23:20,880 --> 00:23:24,520 Speaker 3: Dollars spent, which is unbelievable. I reckon, I spent that 496 00:23:24,680 --> 00:23:27,560 Speaker 3: today in Uber eats. I spent that at lunch. So 497 00:23:28,119 --> 00:23:29,320 Speaker 3: well done, well done. 498 00:23:29,640 --> 00:23:34,359 Speaker 2: Oh so Ryan's rich. Rich guys spending sixty one dollars 499 00:23:34,400 --> 00:23:37,080 Speaker 2: on lunch. Here, I'm being like, what's the cheapest with 500 00:23:37,160 --> 00:23:41,280 Speaker 2: free delivery on ob I don't even know what that is. 501 00:23:41,720 --> 00:23:43,560 Speaker 3: Yeah, I just clicked the buttons. I like it. Jess's 502 00:23:43,600 --> 00:23:45,959 Speaker 3: takeaway was there's way more stuff in your house than 503 00:23:45,960 --> 00:23:52,560 Speaker 3: you actually needed. My takeaway was takeaway beers, takeaway burgers. 504 00:23:52,720 --> 00:23:57,480 Speaker 2: Thank you much, thank you for coming. Ryan. I really 505 00:23:57,560 --> 00:24:00,119 Speaker 2: liked this challenge. I feel like accountability August is. It's 506 00:24:00,160 --> 00:24:03,280 Speaker 2: definitely something we'll pick up again as a community next year. 507 00:24:03,280 --> 00:24:05,240 Speaker 2: If you guys have any ideas that you want to 508 00:24:05,280 --> 00:24:07,720 Speaker 2: share with us for other monthly challenges that we could 509 00:24:07,760 --> 00:24:10,399 Speaker 2: do or the community could participate in, we want to 510 00:24:10,440 --> 00:24:13,560 Speaker 2: hear about them, comment on our Instagram or post them 511 00:24:13,600 --> 00:24:16,480 Speaker 2: in our Facebook group. We would adore hearing about them, 512 00:24:16,600 --> 00:24:19,960 Speaker 2: but as always, guys, I think that is all we 513 00:24:20,040 --> 00:24:23,320 Speaker 2: have time. For today. So just before we head off, 514 00:24:23,359 --> 00:24:26,719 Speaker 2: we'd like to acknowledge and pay respect to Australia's Aboriginal 515 00:24:26,800 --> 00:24:30,439 Speaker 2: and torrest Raight Islander people's. They're the traditional custodians of 516 00:24:30,480 --> 00:24:33,959 Speaker 2: the lands, the waterways and the skies all across Australia. 517 00:24:34,359 --> 00:24:36,320 Speaker 2: We thank you for sharing and for caring for the 518 00:24:36,400 --> 00:24:39,080 Speaker 2: land on which we are able to learn. We pay 519 00:24:39,200 --> 00:24:41,960 Speaker 2: respects to elders past and present, and we share our 520 00:24:42,000 --> 00:24:43,840 Speaker 2: friendship and our kindness. 521 00:24:44,359 --> 00:24:46,880 Speaker 4: The advice shared on She's on the Money is generally 522 00:24:46,960 --> 00:24:50,760 Speaker 4: nature and does not consider your individual circumstances. She's on 523 00:24:50,800 --> 00:24:53,919 Speaker 4: the Money exists purely for educational purposes and should not 524 00:24:53,920 --> 00:24:56,960 Speaker 4: be relied upon to make an investment or any financial decision. 525 00:24:57,520 --> 00:25:00,840 Speaker 4: And we promise that Victoria Devine is an author representative 526 00:25:00,880 --> 00:25:04,680 Speaker 4: of Australia Pacific Funds Management for Priortary Limited ABN three 527 00:25:04,720 --> 00:25:07,280 Speaker 4: four one three two four six three two five seven 528 00:25:07,520 --> 00:25:10,080 Speaker 4: AFSL three three nine one five one. 529 00:25:10,400 --> 00:25:13,520 Speaker 3: I've got a recommendation just before we leave all fun, 530 00:25:13,920 --> 00:25:17,160 Speaker 3: go and buy two copies of Victoria Devine's book, She's 531 00:25:17,160 --> 00:25:20,119 Speaker 3: on the Money. The first one you buy it purposely 532 00:25:20,240 --> 00:25:22,760 Speaker 3: for yourself, and the second one you buy it passively 533 00:25:22,800 --> 00:25:25,800 Speaker 3: aggressively for your friend who's terrible with money and give 534 00:25:25,840 --> 00:25:26,800 Speaker 3: it to them as a gift. 535 00:25:27,400 --> 00:25:28,919 Speaker 2: Passive aggressive book sales. 536 00:25:28,960 --> 00:25:29,520 Speaker 3: I love it. 537 00:25:31,200 --> 00:25:33,800 Speaker 4: She actually gets more money out of the passive aggressive form. 538 00:25:34,040 --> 00:25:36,640 Speaker 3: Yeah, she charges more for those satisfaction. 539 00:25:37,119 --> 00:25:38,920 Speaker 2: Really, it just does a better deal. 540 00:25:39,280 --> 00:25:42,199 Speaker 3: Hey, how's your saving going along? Interesting? Try reading this. 541 00:25:42,400 --> 00:25:44,680 Speaker 3: Maybe you want for a present and enjoy. 542 00:25:44,680 --> 00:25:46,800 Speaker 2: That's going to make a really good Christmas gift for 543 00:25:46,840 --> 00:25:49,119 Speaker 2: some people. I feel like it might become that gift 544 00:25:49,119 --> 00:25:51,640 Speaker 2: that you get people and then they're low key mad 545 00:25:51,640 --> 00:25:54,000 Speaker 2: at you about it on Christmas Day, But then next 546 00:25:54,080 --> 00:25:56,520 Speaker 2: year they're like, oh, hey, Tony, remember that present you 547 00:25:56,600 --> 00:25:59,280 Speaker 2: got that I didn't love so good? Changed my life? 548 00:25:59,560 --> 00:26:01,000 Speaker 5: Yeah, now I've got so much money. 549 00:26:01,000 --> 00:26:04,440 Speaker 4: I've brought you six PlayStations for Christmas. 550 00:26:05,359 --> 00:26:08,719 Speaker 2: Genius. I've always wanted six PlayStations. See you next week, guys. 551 00:26:09,040 --> 00:26:09,720 Speaker 3: Bye bye