Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud your
Speaker 1: the Order Kerni Whalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money. She's on the Money.
Speaker 2: Hello, and welcome to She's on the Money, the podcast
Speaker 2: for millennials who want financial freedom. I'm sick today, but
Speaker 2: we're still showing up so that next week the rest
Speaker 2: of the team will also be sick. Today, my friends,
Speaker 2: is Friday, which means it is time to get my
Speaker 2: little soon to be sick team together and celebrate you
Speaker 2: our incredible She's on the Money community Today, Mis j
Speaker 2: Just Grich is going to be sharing our favorite money
Speaker 2: wins and confessions from the community. Miss Bech Sayed is
Speaker 2: going to be sharing her broke tips and our newest jingle.
Speaker 2: We're going to be helping to answer juicy money dilemma,
Speaker 2: which this week is all about how to just start saving.
Speaker 2: And we're going to be unpacking something that you slid
Speaker 2: into our DMS about and this week we're talking about
Speaker 2: whether you should prioritize a good culture at work over
Speaker 2: a good salary.
Speaker 4: Miss Bech sayed, how has your week been?
Speaker 5: High?
Speaker 1: V D?
Speaker 4: Good? Good week? What have I done? I can't remember
Speaker 4: it better? I think you can't remember it. No, it's
Speaker 4: been really quiet. Actually it's been a real quiet, chill,
Speaker 4: wholesome week.
Speaker 2: You know that's good. Sometimes juice, no juice at all.
Speaker 2: I'm going to try and talk as little as possible
Speaker 2: in this episode because I sound terrible. Oh gosh, ten
Speaker 2: out of ten can recommend. I'm not even actually sick.
Speaker 2: I just had croup and I have a what would
Speaker 2: you say, a remnants of croup cough or very attractive
Speaker 2: if you're thinking, wow, V I thought that only Toddler's
Speaker 2: got croup.
Speaker 4: Gone wrong?
Speaker 2: You thought wrong? Toddler's and Miss Victoria Divine get croup.
Speaker 2: It's very attractive.
Speaker 6: Jessica, how have you been this week I've been good
Speaker 6: just bopping along. I had so much fun this morning
Speaker 6: because we got to test our friend Sammy's new workout regime.
Speaker 6: And I've said before not a Jim Gurley right, not
Speaker 6: the vibe, not for.
Speaker 2: Me very I did convince you one time to do
Speaker 2: a pilates class via zoom during lockdown.
Speaker 6: This is a vibe that Sammy's thing gives me because
Speaker 6: there's a whole forty five minute thirteen song workout and so,
Speaker 6: like I have, I'm sore today, I ache, I really
Speaker 6: am in a lot of pain. But I bought the
Speaker 6: thing because friends port friends and buy their friends stuff.
Speaker 6: You don't expect it for free. And I had a
Speaker 6: lot of fun and I'm so excited looking forward to
Speaker 6: getting back into exercising again without feeling embarrassed. And there's
Speaker 6: heaps of other stuff on there, but yeah, little plug,
Speaker 6: she's our friend.
Speaker 2: Oh good, And it's a lot of fun.
Speaker 6: If you're someone who just likes to dance around and
Speaker 6: you lounge and have a good time and call that exercise,
Speaker 6: you know what it is.
Speaker 2: Yeah, she's an absolute legend. We'll actually put a link
Speaker 2: in our show notes so that you can still love that. Yeah, Well,
Speaker 2: I mean it wasn't so that she could love it.
Speaker 2: It was actually so that our community could love on her.
Speaker 4: Yeah, and so we can find it easily.
Speaker 2: Do you know what. I had a bit of a
Speaker 2: conundrum this week. I had a lot of email replies
Speaker 2: to our newsletter last Friday. So today is Friday, which
Speaker 2: means that about lunchtime, probably more close to three pm.
Speaker 2: Because that's how I roll at the moment, I will
Speaker 2: send out our newsletter. And last week I did the
Speaker 2: same thing. I was sitting on the plane on the
Speaker 2: way back from Sydney and I was like smashing out
Speaker 2: the newsletter and I thought I was so funny because
Speaker 2: this week I recommended my favorite food, which you do
Speaker 2: will know is frozen mashed potatoes, absolutely amazing, and I
Speaker 2: was trying to sell the community on them real hard.
Speaker 2: I was like, they are the best thing in this
Speaker 2: entire world, right, and if you haven't subscribed to our newsletter,
Speaker 2: well you're in for a shock. It's not that much
Speaker 2: about financial literacy. It's relatively rogue. Yeah, we recap the
Speaker 2: week that was, Yeah, we have money tips and tricks,
Speaker 2: but there's also Victoria's unsolicited recommendation where it's very unsolicited,
Speaker 2: and to be honest, my aim with that is to
Speaker 2: waste as much of your time as possible. So fun way, yeah,
Speaker 2: in a fun way. And you know what, I've probably
Speaker 2: had fifteen dms this week from people being like, ve
Speaker 2: these spash potatoes changed my life, and I'm like, I know,
Speaker 2: that's why I recommended it. But at the end of
Speaker 2: that recommendation I said that I had been eating it
Speaker 2: with a side of dead horse. I can see how
Speaker 2: that would confuse a lot of it.
Speaker 7: Ah.
Speaker 4: Yeah, And so we've had aren't you a vegan?
Speaker 2: Yeah, we've had a fifty plus email response from people
Speaker 2: being like the not only did we think that you
Speaker 2: didn't eat meat, but also horse listing choice, interesting choice.
Speaker 4: And to confirm that it is in fact dead.
Speaker 2: And I was very confused because I thought it was
Speaker 2: just a term that everyone's, you know, parental figure used
Speaker 2: to refer to tomato sauce. Is this something that I
Speaker 2: had just been living and nobody else had been living
Speaker 2: or had you heard of the concept of dead horse
Speaker 2: being tomato sauce?
Speaker 4: No? I had never you my dad had.
Speaker 6: I'm pretty sure it's Cockney, which is English, and my
Speaker 6: dad is English, so that might be yeah the writing slang.
Speaker 6: I think it is something like that, which is, yeah,
Speaker 6: you just replaced like the starts of like Shmiler Twift,
Speaker 6: like you just you, You're replacing it with something else,
Speaker 6: Tomato sauce, dead horse.
Speaker 2: You knew what I was talking about. I thought everyone
Speaker 2: would know what I was talking about. Turns out I
Speaker 2: off ended a very large population of our community, for
Speaker 2: which I do apologize.
Speaker 4: I was actually referring.
Speaker 2: To tomato sauce. Also, I did think, up until this
Speaker 2: week that everybody in every family called the catalogs that
Speaker 2: are put in your mailbox unsolicited were called cattle dogs.
Speaker 2: Oh I haven't heard that much never Okay, so it's
Speaker 2: just me and my dad from Tasmania that use this
Speaker 2: type of terminology. I will continue to use this type
Speaker 2: of language in the newsletter to confuse you. I mean,
Speaker 2: it's probably just really good for engagement, but it's probably
Speaker 2: just letting you in on the side of me. That's
Speaker 2: maybe a little bit more Bogan than you thought it was.
Speaker 2: And I'm not mad. So let's move on, because I
Speaker 2: want to know, Jess. I feel like that was a
Speaker 2: loss for me this week. But how has our community
Speaker 2: been winning?
Speaker 6: So the first one this week comes from Ebody, who
Speaker 6: said money and life win. After months of searching, I
Speaker 6: had a new housemate move in. Now I'm no longer
Speaker 6: paying three hundred and seventy dollars a week rent solo
Speaker 6: and she's absolutely lovely and he's going to help me
Speaker 6: look after my cat while I'm away next week visiting family.
Speaker 6: Have you more money and have a little bit more
Speaker 6: flexibility to say yes to things like the cheeky coffee
Speaker 6: during the week.
Speaker 2: Oh and your cat's probably going to be happy with
Speaker 2: someone they know, extra company. We love a cat win.
Speaker 6: My next money win comes from Alana, who said money
Speaker 6: win after cheers is a regular casual at my job.
Speaker 6: My boss has given me a full time contract to
Speaker 6: start once my maternity lea finishes. And it's so much
Speaker 6: more than I was going to ask for, so that's
Speaker 6: also a nice positive congrab cool, very exciting. My next
Speaker 6: money win is from Tess, who said money and a
Speaker 6: heart win. Instead of buying expensive flower decals for my
Speaker 6: daughter's bedroom when I was redecorating, I was looking at
Speaker 6: spending one hundred and fifty to two hundred dollars, I
Speaker 6: decided to get creative and paint the flowers myself twenty
Speaker 6: six dollars in paint from Bunnings later, and the end
Speaker 6: result has far exceeded my expectations. And my darling baby
Speaker 6: girl now gets to go to her room every night
Speaker 6: and touch the flowers and giggle and smile. And I
Speaker 6: was just like them all something I've ever read.
Speaker 2: That she DMed it to me as well. I loved
Speaker 2: it so sweet and protein.
Speaker 4: If you're doing something like that, don't buy a big
Speaker 4: tub of paint, buy a sample pot. Sample pots go
Speaker 4: a long way, and they're like eight bucks.
Speaker 2: A pot, genius. If ever I need to do di
Speaker 2: y anything, Beck, I actually just called Jess weekend. I
Speaker 2: don't care. Yes, I need your tips and tricks.
Speaker 6: I live for it. And I'm very excited to see
Speaker 6: all the stuff that you start doing in your Renno.
Speaker 2: Oh, don't even start me. It is so overwhelming. And
Speaker 2: when she says see, she means what you do the
Speaker 2: things I told you to do, Victoria. Oh wait, I'm
Speaker 2: gonna last that she means. That's exactly what she means.
Speaker 4: Beck.
Speaker 6: Next, money means from Maddie who said money win. There
Speaker 6: were thirty nuggets in my twenty four nugget, Pat.
Speaker 4: What that is a money win?
Speaker 2: Big win? All right? But at what point do you
Speaker 2: stop counting how many nuggets are in the nugget box?
Speaker 4: I've never counted my nuggets?
Speaker 2: Yeah? Did she sit down and count thirty or did
Speaker 2: she count her bite?
Speaker 1: Like?
Speaker 4: How did you just?
Speaker 2: I don't know.
Speaker 6: I mean, if you're buying that many, maybe you're sharing
Speaker 6: them and you're splitting them up, and so you start fifteen.
Speaker 2: Ah, yeah, money, I split a twenty four pack.
Speaker 4: I'm so sorry to avenge you that way.
Speaker 2: Oh my gosh, Beck, have you never shared a twenty
Speaker 2: four pack of nuggets? It's something so one of the
Speaker 2: true joys in life.
Speaker 4: Wow. I hope you try it one day.
Speaker 2: I hope one day you experienced that type of joy.
Speaker 4: I just said fifty. I don't know if she's talking
Speaker 4: about fifty pack on the road and that's okay. Oh
Speaker 4: you'd split a fifty, Sure you'd slit a fifty, but
Speaker 4: not a twenty four, but not a twenty four.
Speaker 2: Can you buy a fifty pack of nuggets? I think
Speaker 2: that no idea, And I'm I'm sure you could purchase
Speaker 2: fifty nuggets, But like a box, do you just go
Speaker 2: to Macas and be like, Hi, yep, I'll get the
Speaker 2: fifty nugget pack and they're like, sure, I'm concerned. Move on, Jessica,
Speaker 2: what else have you got?
Speaker 6: Next up, we have Morgan who said money loss slash
Speaker 6: money in recently purchased a sewing machine for my husband
Speaker 6: and I to build some more skills and handmake some
Speaker 6: projects and clothes through our daughter. We took advantage of
Speaker 6: a sale at Spotlight and got over four hundred dollars
Speaker 6: worth of fabrics and patterns for only seventy.
Speaker 2: Three How good is that? Do you know what? Another
Speaker 2: hot tip is if you're looking for fabrics op shops
Speaker 2: genus tablecloths, sheets, literally old off cuts of fabrics always
Speaker 2: end up there and they are so cheap. So if
Speaker 2: you've got like a project, maybe want a little bit
Speaker 2: of a different fabric, or you're just testing, off to
Speaker 2: the upshop, you go. My friend, I want to know
Speaker 2: how Morgan, you're planning on learning? Is there like an
Speaker 2: online thing? Because I've always wanted to learn and it's
Speaker 2: hard to find somewhere to go and learn as an adult.
Speaker 2: But I'll just teach you. I've already said I'm going
Speaker 2: to teach Jess how to sew properly because she drops
Speaker 2: off her pants to me, and then I take up
Speaker 2: the ymns and return them because heming pants is really expensive.
Speaker 2: And we save money in any way, shape or form
Speaker 2: that we can in this team, and that includes making
Speaker 2: Victoria do your sewing.
Speaker 6: She does full service service, just drop it off, same
Speaker 6: day service.
Speaker 2: Actually, yeah, you've got to stay. We get rid of it. Yeah,
Speaker 2: she does it all.
Speaker 6: My last money in this week comes from Amy, who
Speaker 6: said I said it on a block of land and
Speaker 6: I bought a puppy.
Speaker 2: What a great week.
Speaker 4: Look at that face.
Speaker 2: Oh my god, it's very cute.
Speaker 4: Do we know that papo's name? No, it wasn't there.
Speaker 2: I did. Come on, guys, Come on, guys. If you're
Speaker 2: going to post a picture of your dog, I'm going
Speaker 2: to need all the information. How old is it? What
Speaker 2: is its name? What's his favorite trade? Where does it?
Speaker 2: Like it's belly rubs? Like I need all of that information.
Speaker 2: Otherwise you're doing this community a very big disservice.
Speaker 4: Absolutely, it's rude. It is rude.
Speaker 2: Do you know who's not doing our community a disservice? Antoinette?
Speaker 4: Oh yes, why well, Antoinette is one of our listeners,
Speaker 4: and she so kindly reached out with a really really
Speaker 4: catchy jingle for Bex broke Tips.
Speaker 2: When you say it really catchy, you mean it's the
Speaker 2: only one we got.
Speaker 4: Oh, it's the only one we got. Absolutely and also
Speaker 4: really catchy and not at all familiar. It's made up from scratch.
Speaker 2: I just want shmalish kind of vibes as.
Speaker 4: A shmaler smift kind vibe.
Speaker 7: Am.
Speaker 2: I just like play it. Please play it. Stunning, let's
Speaker 2: drop it into the microphone. It's time for the bes
Speaker 2: broke Tip jingle.
Speaker 7: B E C S b R ok tips E C
Speaker 7: S b r okay e tips.
Speaker 2: I love it.
Speaker 4: Stunning, amazing, amazing.
Speaker 2: I wouldn't say no if somebody wanted to remix.
Speaker 4: That for us, I also wouldn't say no.
Speaker 2: But we appreciate it. I feel like that was a
Speaker 2: broke jingle. Oh yeah, that was brand so on brand.
Speaker 2: I traded into it, though, Beck, what have you got
Speaker 2: for us this week?
Speaker 4: Okay? So I've got I'll share two of them and
Speaker 4: then I'll share my own if that works for you.
Speaker 4: Love Okay. So the first Broke Tip is from Cindy Hi.
Speaker 4: Cindy Hi, Cindy who says that she goes to the
Speaker 4: Asian grocer when she's trying to stretch out her last
Speaker 4: fifteen dollars for the week.
Speaker 2: Smart, so she'll get.
Speaker 4: Like a sixty five cents to a dollar fifty packet
Speaker 4: of instant noodles.
Speaker 2: Yeah, they're cheaper there too, like very much cheaper.
Speaker 4: You can probably get something similar from always, but never
Speaker 4: like sixty fives.
Speaker 2: No, that's not a thing anymore, but it is the
Speaker 2: Asian grocery.
Speaker 4: Absolutely, And she gets a generous bunch of Asian greens
Speaker 4: for a dollar. That's insane.
Speaker 2: Dollar. That's actually quite a wholesome meal as well. Yeah,
Speaker 2: that's actually really good. It's really good. Gets your greens.
Speaker 4: Greens are good because by the dumpling rappers too.
Speaker 6: I used to always love getting like you get just
Speaker 6: a trey of mintce flak what are they five six
Speaker 6: barks and a thing of the rappers and a thing
Speaker 6: of your one dollar greens. We would make eighty dumplings
Speaker 6: one lot. It was crazy because yeah, it's so cheap,
Speaker 6: and so we would just freeze them, but really good. Way,
Speaker 6: like if you do that, stash them away, way cheaper
Speaker 6: than ordering them.
Speaker 4: I love that.
Speaker 2: Oh genius, that's a really I'm going to find Jessica's
Speaker 2: dumpling recipe. I'm going to get it in the newsletter.
Speaker 2: Oh stunning.
Speaker 4: It better be good, jess I've.
Speaker 2: Just said because it is cheap.
Speaker 4: What else you got? My next broke tip is from
Speaker 4: Rachel Hi.
Speaker 2: Rachel, So she.
Speaker 4: Says that her family by instead of so say you're
Speaker 4: making meatballs, instead of buying the mints and all the
Speaker 4: ingredients and everything separately, instead, what her family do They
Speaker 4: buy ten meat paddies from more words and then roll
Speaker 4: them into meatballs.
Speaker 2: So hey, that's smart.
Speaker 4: Yeah, I feel like that's a pretty good way to
Speaker 4: do it because it has all the ingredients in there
Speaker 4: for you literally just have to take. And also that
Speaker 4: it's pretty kind of spiced.
Speaker 6: Yeah, and could you split them back, because like a
Speaker 6: whole paddy to be one meatball, huge meatball?
Speaker 4: Yeah, you kind a couple of meatballs out of a paddy.
Speaker 2: That's great, that's a good idea. Adding to that, I
Speaker 2: remember when I was younger, Mum used to get the
Speaker 2: flavored sausages and squeeze it out of the sausage casing
Speaker 2: to put into like pasta bakes and stuff, so like
Speaker 2: kind of like meatballs, but like a sausage pasta, and
Speaker 2: therefore you didn't have to spend heaps on like seasonings
Speaker 2: and flavorings and stuff. So I like the idea of
Speaker 2: repurposing pre seasoned foods for other reasons.
Speaker 6: Yes, and then you can split it so that you
Speaker 6: get more mileage out of it, which is always a
Speaker 6: great thing.
Speaker 2: Well ten dollar meal right there.
Speaker 4: Yeah, yeah, yeah, I love that. So my tip of
Speaker 4: the week.
Speaker 2: Oh yeah, we've been waiting left it till last.
Speaker 4: It's not going to be as dodgy as last week's. Yeah, okay,
Speaker 4: step up. I was going to tell you about my fipbit.
Speaker 4: As you guys can see here, I've got a fitbit
Speaker 4: that's stuck together with sticky tape instead of buying a
Speaker 4: new band. But that's not my broke tip for the week.
Speaker 4: It is a good idea, though.
Speaker 2: Is it sustainable.
Speaker 4: It's sustainable. This has lasting me two weeks.
Speaker 2: Oh impressive. It's pretty good.
Speaker 4: And it has not even it's not slightly coming off.
Speaker 4: It's you know, just get really really good tape.
Speaker 2: Can you take the bit off or is it taped
Speaker 2: onto your wrist?
Speaker 4: You can, because when you come up here with.
Speaker 5: You.
Speaker 4: Unclip the band from the actual We're not green, right,
Speaker 4: You're a genius. Okay, if I ever have to remove
Speaker 4: that tape. Okay, she's thought about this. Sorry for questioning
Speaker 4: the logic. No, that's quite all right. Anyway, this one
Speaker 4: might be common sense to a lot of people, but
Speaker 4: is not that common That's very true. That's what we've
Speaker 4: learned lifetime. I'm assuming everyone has anyway. So what I
Speaker 4: do is I have you know, your woolwas rewards cards.
Speaker 4: You're literally any card that's out there that you can
Speaker 4: get your hands on, a one of those freebie cafe
Speaker 4: ten boucher, what do you call it? Coffee cards, coffee cards,
Speaker 4: anything where you could eventually one day get something free.
Speaker 4: Seven to eleven app which is something that I will
Speaker 4: talk about in one of our later episodes.
Speaker 2: I'm obsessed with seven eleven sandwiches, so I can't wait,
Speaker 2: can't wait seven eleven app anything.
Speaker 4: But basically the reason why I say this is, for example,
Speaker 4: this week, I have ten dollars to spend on my
Speaker 4: Will Wars card. I won't be using that yet right now.
Speaker 4: I know that I will have no money in two
Speaker 4: weeks time, So that's when you will go into wool Wars.
Speaker 4: You have the ten dollars that you saved up from
Speaker 4: your everyday rewards card. Or let's say you have a
Speaker 4: free coffee on your coffee card. Don't use it when
Speaker 4: you have money, only ever use it when you are broke.
Speaker 4: Save it. You might be like, oh, what a treat.
Speaker 4: Don't do it yet, Wait until you have no money
Speaker 4: and you need that ten dollars on your everyday rewards card,
Speaker 4: or you need that free coffee because you truly have nothing.
Speaker 4: So save all of these things and also embarrassing having.
Speaker 2: All these Flybys cards, these rewards, empowering and.
Speaker 4: Only use them when you are broke. Please save them
Speaker 4: for yourself and you can put a lot of them
Speaker 4: on your phone. Woolworths and Flybys you both have them digital.
Speaker 4: So if you are embarrassed about having a million cars
Speaker 4: in a wallet, there's.
Speaker 2: A solution exactly right on the app. You're a genius.
Speaker 4: Do you know?
Speaker 2: All I can think about is I know what your
Speaker 2: salary is, and I know it's good. I just know
Speaker 2: that you don't budget and cash flow in a way
Speaker 2: that is super effective at this point in time, and
Speaker 2: that's fine. You do you like, we all manage money differently.
Speaker 2: But if you put the same energy into your budgeting
Speaker 2: cash flow system as you do into tracking your flybys
Speaker 2: and your free Woolworths ten bucks, like, my god, you'd
Speaker 2: be a rich woman.
Speaker 4: I do agree that if I put this much energy,
Speaker 4: but honestly your lives. But I'm not going to do that.
Speaker 7: No.
Speaker 4: But as I say, because I have been broke for
Speaker 4: so long, now that I've got good money, I can
Speaker 4: start buying things that I could never and so I
Speaker 4: end up being life breaking, even lifestyle creepy. It's kind
Speaker 4: of like a lifetile or like you know, debts and
Speaker 4: servicing cars, all these things that I couldn't pay for before. Yeah.
Speaker 2: No, but eventually, it's not a judgmental comment. It's just
Speaker 2: I'm so impressed with your ability to work the system
Speaker 2: and make it work for you. Yeah, I'm like, that's
Speaker 2: so much energy and effort. I cannot wait to channel
Speaker 2: that into Beck's budget and cash flow system. At some
Speaker 2: point in the future, you and I are going to
Speaker 2: get to sit down and I'm going to be so excited.
Speaker 2: Today is just not that.
Speaker 4: Day till then.
Speaker 2: Till then we will continue on. Let's go to a
Speaker 2: really quick break, because on the other side of the break,
Speaker 2: I want to talk about how to actually start saving beck.
Speaker 2: Maybe you wrote this in and then we're going to
Speaker 2: unpack something that you slid into our DMS about which
Speaker 2: this week we're talking about whether you should prioritize a
Speaker 2: good culture at work over a good salary. Don't go anywhere, guys.
Speaker 4: Welcome back everybody. Let's listen to this week's money dilemma.
Speaker 7: Hi.
Speaker 5: There, have you got a money dilemma you just can't solve?
Speaker 5: The She's on the Money team is here to help.
Speaker 5: Every week we tackle your dilemmas, both big and small,
Speaker 5: to answer your most burning money, career and life questions.
Speaker 5: To get involved, simply head to our website and leave
Speaker 5: us a short voice recording and you might just find
Speaker 5: yourself on the show. Now, let's take a listen to
Speaker 5: this week's money dilemma.
Speaker 8: Hi, ladies, I am quite desperate to know how on
Speaker 8: earth to actually save money. I feel like I'm not overspending,
Speaker 8: but somehow every pay I seem to have all the
Speaker 8: intentions to save, and then something happens and I end
Speaker 8: up having to use that money. And I've just never
Speaker 8: been able to get on top. And I'm nearly forty
Speaker 8: and I have no savings, so I would really love
Speaker 8: your help on where to even just begin. Thank you.
Speaker 2: She sounds like the most wholesome human, Like I just
Speaker 2: want to like her tone of voice, the way she
Speaker 2: spoke made me want to be her best friend. I
Speaker 2: was just like, I love you already, I don't even
Speaker 2: know you, but so relatable. Yeah, I just feel like
Speaker 2: that is so common. Jess. You're a little savings queen,
Speaker 2: so I want to know where would you start when
Speaker 2: it comes to savings if you were starting from scratch.
Speaker 6: I feel like it sounds as though she does need
Speaker 6: to do the classic Victoria Divine method of going through
Speaker 6: her bank statements because it's the most hideous thing in
Speaker 6: the world. It's no fun at all. I'm not even
Speaker 6: going to try to lie to you about that.
Speaker 2: But that's why I always recommend wine. Yeah you can
Speaker 2: drink wine, yeah while doing it, because if you drink
Speaker 2: tea or something, but like wine probably will help the most.
Speaker 6: A bev Regina of some sort, bev Regena of choice.
Speaker 6: But I think because she's saying that she keeps getting
Speaker 6: to the end of payday and we've all been there
Speaker 6: where you go, oh my god, where did my money go?
Speaker 6: By going for three months of statements, you're going to
Speaker 6: see where the money's going. Right, You're going to have
Speaker 6: a very clear understanding of I'm spending more than I
Speaker 6: should on takeout or maybe like the you know, if
Speaker 6: you've got kids, like it's all going to the kids' activities,
Speaker 6: and that's not an expense that I can cut, which
Speaker 6: is totally fine as well. So I feel like understanding
Speaker 6: where you're spending allows you to then begin making changes
Speaker 6: to start saving.
Speaker 2: Yeah, no, I think that that's absolutely it. It kind
Speaker 2: of I want to go on and on about values here,
Speaker 2: and you guys know how passionate I am about living
Speaker 2: to your values, not what other people say you should
Speaker 2: be spending. But it actually just sounds like you don't
Speaker 2: have a clear idea of what your actual budget looks like.
Speaker 2: Because if you're thinking, oh, I put money away my savings, well,
Speaker 2: actually you didn't allocate what you needed to to the
Speaker 2: expenses you have. They were never savings. That was a
Speaker 2: pipe dream. Basically, that was like very aspirational and I'm
Speaker 2: so excited that you're prioritizing it. But every single month
Speaker 2: that you do that, you're going to feel like you're
Speaker 2: shooting yourself in the foot because you might be saying,
Speaker 2: I can save five hundred bucks, I'm going to put
Speaker 2: it to the side right now, when in reality, you
Speaker 2: might only have the capacity in your budget for one
Speaker 2: hundred and fifty dollars worth of savings. And that's okay.
Speaker 2: We just need to be aware of it so that
Speaker 2: when you allocate it, you don't feel like you're stealing
Speaker 2: from future you because that was never the money that
Speaker 2: you were able to save. If that makes sense, we
Speaker 2: need to sit down and go, Molly, friend, is this
Speaker 2: and bills are this, and groceries are this, and you know,
Speaker 2: the kids' activities are this, Well, actually what does that
Speaker 2: leave you with? And then that gives you the ability
Speaker 2: to reflect on whether you want to spend that or
Speaker 2: you don't want to spend that. You might go, oh
Speaker 2: my gosh, the kids are doing so much, no wonder
Speaker 2: we can't save. We're spending all our money here or there.
Speaker 2: Or you might actually find that you're in a season
Speaker 2: of life that's just really expensive right now. And we
Speaker 2: all go through those seasons where life just feels a
Speaker 2: little bit overwhelming. You're not, you know, making the traction
Speaker 2: that you want to make when it comes to saving
Speaker 2: or investing, and that's okay. I think sometimes it's really
Speaker 2: about just recognizing where you're at, making a step back
Speaker 2: and going you know what, I don't know about your situation.
Speaker 2: You might be your single mum absolutely killing it. You
Speaker 2: might not feel like you're saving a lot, but oh
Speaker 2: my gosh, you're putting food on the table, you're putting
Speaker 2: a roof over your kid's head. They're going to school,
Speaker 2: they are happy, they are healthy, and you know what,
Speaker 2: that's more than enough. I think sometimes we really need
Speaker 2: to put life in perspective because that season isn't forever.
Speaker 2: And maybe you're studying, maybe you know you're in between jobs,
Speaker 2: maybe you're in a job that you don't love and
Speaker 2: you're about to move to something else, or maybe you're
Speaker 2: considering what that next move even looks like. That's okay,
Speaker 2: But I think this idea of seasons of life is
Speaker 2: okay to understand but also empowers you to go, all right, well,
Speaker 2: let's just look at what I want today and how
Speaker 2: that might work and what that means for my financial future.
Speaker 2: But when people say at the end of each month,
Speaker 2: I'm dipping back into savings. That to me is an
Speaker 2: immediate flag that says you didn't understand what your actual
Speaker 2: cash flow and budget looked like. And I'm going to
Speaker 2: get hold of your email address, and I'm going to
Speaker 2: gift you my budget and cash Flow master Class because
Speaker 2: I know that it will help you, and I know
Speaker 2: that it'll put you in the best possible position. So
Speaker 2: my friend, watch out for that email because it's coming
Speaker 2: your way. Because I think that's actually such a relevant question.
Speaker 2: And I think I love that you told us your
Speaker 2: age as well, because I think so many of us,
Speaker 2: especially when we're young, we just go, oh my gosh,
Speaker 2: I'll have it sorted out. I'll have it. It's only
Speaker 2: going to get sorted out if you sort it out.
Speaker 2: It's not magic. It doesn't happen overnight. Do you know
Speaker 2: how many people in our community are in their forties, fifties, sixties,
Speaker 2: even seventies that we get dms from all the time
Speaker 2: that say, oh my god, b I have no savings.
Speaker 2: What do I do?
Speaker 8: Well?
Speaker 2: We have to just go back to basics. There's no
Speaker 2: magic outcome. There's no magic wand or kind of solution
Speaker 2: that I can offer except for Hey, here's the process
Speaker 2: that you should go through that will put you in
Speaker 2: a position where you can fully comprehend what your next
Speaker 2: steps should be.
Speaker 4: Yeah, I love that. Just on that, I am probably
Speaker 4: not the best person to be give advice because I
Speaker 4: currently have no I love their site. I did notice
Speaker 4: when I was saving back in the day, I would
Speaker 4: feel like putting ten bucks away felt pointless, but it
Speaker 4: was the only thing I could actually stick to. So
Speaker 4: even if at the end of your budgeting masterclass, you
Speaker 4: sit down, you do everything, you realize I only have
Speaker 4: fifteen dollars a month to put away fifteen dollars four exactly,
Speaker 4: and eventually that will that will grow I've started. I
Speaker 4: know this isn't your favorite thing, but I have a
Speaker 4: piggybank that I was just going to say, one of
Speaker 4: those money teas you can't love it, there's the best
Speaker 4: because you can. And like I know, it's not like
Speaker 4: gaining interest or anything like that. It's literally just sitting
Speaker 4: there losing value whatever. But if it works, the only
Speaker 4: thing works for me because I can't reach it, I
Speaker 4: can't transfer it back to myself. Only put a little
Speaker 4: bit away and put it somewhere where you literally cannot
Speaker 4: touch it.
Speaker 2: No, I think that's great, and I also think that
Speaker 2: there's no such thing as it's not worth it. Yeah,
Speaker 2: because I promise, even if it is fifteen bucks, I
Speaker 2: promised the day before payday, when you didn't have money before,
Speaker 2: you're going to be grateful that fifteen bucks was saved
Speaker 2: so that you can lean on it. It's fifteen dollars
Speaker 2: you didn't have before. So I just think that from
Speaker 2: little things, big things grow, and that fifteen dollars will
Speaker 2: turn into thirty, and that thirty into sixty, and that's
Speaker 2: sixty into one twenty, and very soon you'll see that
Speaker 2: compound and you'll be like, wow, I never thought I
Speaker 2: was capable of this. And the reason you were capable
Speaker 2: of it is because of the consistency. That's it. That's
Speaker 2: the magic. I really, I really wish I could be like, Okay, guys,
Speaker 2: I'm going to let you in on this top secret
Speaker 2: tip to saving money. It just doesn't exist, and it's
Speaker 2: going to look very different for everybody. And that's why
Speaker 2: you need a process that helps you understand what it
Speaker 2: looks like, because your process back is not going to
Speaker 2: look the same as ess and it's not going to
Speaker 2: look the same as mine. So why am I looking
Speaker 2: at the way you budget?
Speaker 8: Yess?
Speaker 4: Sorry, really good question. That's the fact that you're thinking
Speaker 4: about it is a really good thing. Love love, love love.
Speaker 6: If you want to get on top of your own
Speaker 6: budget and cash flow. WILL have a link in the
Speaker 6: show notes where you can check out Victoria's Budget and
Speaker 6: cash Flow master class. Over two and a half thousand
Speaker 6: people have done it, which.
Speaker 2: Is thousands, isn't that insane? Also will hide a little
Speaker 2: cheeky discount code in there. I am saying that right now,
Speaker 2: I don't know what it's going to be, so you
Speaker 2: have to go to the show notes.
Speaker 4: To check it out.
Speaker 2: By all right, let's unpack it. We have a community
Speaker 2: dilemma to go through this week, and I feel like
Speaker 2: this one, this one is an interesting one. Are you ready?
Speaker 4: Yes?
Speaker 2: Hey, guys, any advice? I absolutely love my job. The
Speaker 2: culture and people are amazing, and I really enjoy the
Speaker 2: work I get to do. The issue is I get
Speaker 2: paid well below the industry standard. I work in finance,
Speaker 2: but at a smaller startup company. I have had many
Speaker 2: conversations around a pay rise. However, they always say there
Speaker 2: isn't room for this at the moment, and we'd revisit
Speaker 2: it in a few months. Problem is, a year later,
Speaker 2: nothing has changed. I've been offered a job that is
Speaker 2: more than double my current salary plus bonuses. However, the
Speaker 2: culture seems very corporate and very competitive, very long hours,
Speaker 2: and the work doesn't seem that interesting. I can already
Speaker 2: tell I won't love it there. How much should I
Speaker 2: value work life balance versus good culture at work? What
Speaker 2: I have now is awesome, but it doesn't allow me
Speaker 2: to meet my financial goals. But to meet these goals,
Speaker 2: I worry that I'd have to sacrifice the enjoyment aspect
Speaker 2: I have at work. I'm only twenty three and still
Speaker 2: new to working life, so any words of wisdom are appreciated.
Speaker 4: That's funny too.
Speaker 2: Yeah, I don't want to go first on this one, Beck,
Speaker 2: What would you do words? Pretend you work in finance?
Speaker 4: Okay, Well, it's so easy for me because I don't
Speaker 4: have any kids, I don't have a mortgage, I don't
Speaker 4: really have any outrageous financial goals. So I would literally
Speaker 4: just go with the culture culture, culture over anything else.
Speaker 4: If I'm happy, that's all that matters really. But it
Speaker 4: is a real tough one.
Speaker 2: It makes you.
Speaker 4: I assume you'd eventually be disenchanted with the workplace anyway,
Speaker 4: just because they're paying you so little. But if that's
Speaker 4: not happening, and you're happy and you love the people
Speaker 4: you work with, the culture is great, I would stay.
Speaker 4: But I don't have the pressures of yeah, children, mortgage,
Speaker 4: all these other things that people might have to you know, yeah, try.
Speaker 6: It comes down to your values, right, Like, yeah, it
Speaker 6: depends on what responsibilities you have, what you have going on.
Speaker 6: I would like to say, as someone who has worked
Speaker 6: in workplaces where the.
Speaker 4: Culture was pretty freaking average, stop talking about me. I'll
Speaker 4: do it.
Speaker 2: I'll do it the more quietly.
Speaker 6: No, but I've definitely done the thing where you take
Speaker 6: the job and you don't love it, but it pays
Speaker 6: the bills and puts food on the table, and that
Speaker 6: is good enough. I do think, yes, absolutely, in an
Speaker 6: ideal world, we deserve it all. We deserve great pay,
Speaker 6: great culture, a life that we live and love to
Speaker 6: the fullest. But can we also normalize the fact that
Speaker 6: sometimes your job is just there to pay the bills. Like,
Speaker 6: I don't think that there is anything wrong, and I
Speaker 6: think there is a little bit of an ideology that
Speaker 6: is sold that if you love what you do, you
Speaker 6: won't work a day in your life, which simply is I.
Speaker 2: Work so hard. You can hear it in my voice
Speaker 2: this week. Yeah I'm dead. You are dead. Yes, you
Speaker 2: have had a massive week as well. Yeah, like you
Speaker 2: just can't hear it as well in your voice, like
Speaker 2: I'm so sick because I've worked myself into the ground. Jess,
Speaker 2: I adore what I do. Everybody knows I adore what
Speaker 2: you do as bullshit, Like absolutely, if you love what
Speaker 2: you do, you will work harder than anyone else in
Speaker 2: your life. I think is what that should say.
Speaker 4: A thousand percent, And I think is your life more enjoyable?
Speaker 2: Is there? Absolutely?
Speaker 6: Like physiological benefits, psychological benefits to being in an environment
Speaker 6: where you feel supported and you're I am not refuting that,
Speaker 6: I'm not disputing it, but I think at the same time,
Speaker 6: if you're going I'm barely making ends meet, and that
Speaker 6: is stressing me out take the job that day. Like
Speaker 6: if someone said to me, you can double your salary,
Speaker 6: it's at least something I think you should entertain.
Speaker 1: Oh.
Speaker 2: Absolutely, you always have the conversation, always have the conversation.
Speaker 2: And I'm not saying that that means that you should
Speaker 2: absolutely leave, Like you need to think about how would
Speaker 2: you cope if you were in a less positive environment,
Speaker 2: how would you deal with the change of culture. But
Speaker 2: you also don't know what culture until you get there.
Speaker 2: Maybe he's always greener, grass is always greener. Maybe you'll
Speaker 2: get there and you'll find a really great group of friends.
Speaker 2: And even though it's a super corporate environment that makes
Speaker 2: it worth well for you, maybe you won't and.
Speaker 4: You'll be totally miserable.
Speaker 6: Either way, I think it is worth considering, and it's
Speaker 6: worth going. It's not necessarily your job's responsibility to fulfill
Speaker 6: your happiness of your life.
Speaker 4: Just in the same way that it's not.
Speaker 6: You know, no one person can make your life totally
Speaker 6: happy and fulfill everything that you need. I think if
Speaker 6: a job has one of them do that for me.
Speaker 6: I agree, Lucy's the one thing on this planet that
Speaker 6: it fulfills all needs at all times. But I think
Speaker 6: that if you have one or the other, if you're
Speaker 6: happy or you're earning great money, maybe sometimes that's enough.
Speaker 2: Yeah, I think we can also cancel this idea that
Speaker 2: your job defines you as a person, Like I don't
Speaker 2: actually care what my friends do. I have friends who
Speaker 2: work in podcasting. I have a few friends who are
Speaker 2: very fancy and ethetists, like real fancy doctors. I have
Speaker 2: friends who work in retail, and I have one friend
Speaker 2: who is a state so mum. I have a friend
Speaker 2: who's currently not working because she create her job because
Speaker 2: her boss was a douche canoe basically, And I was like, yeah, queen,
Speaker 2: get it. I don't care what you do for your work.
Speaker 2: As long as you are kind, as long as you
Speaker 2: are nice, you are my people. So I think we
Speaker 2: need to just throw this idea that that defines you
Speaker 2: out the window. But then also, the tone of this
Speaker 2: message was really that you weren't unhappy in your job,
Speaker 2: and I think that that needs to I guess weigh
Speaker 2: in a little bit heavier. Yeah, we're talking about the
Speaker 2: financial aspect. But I know when I've been underpaid, I
Speaker 2: feel undervalued. And if I'm consistently going into a workplace
Speaker 2: that I feel doesn't respect me for the you know,
Speaker 2: the time, the energy, the effort that I put in
Speaker 2: the value that I'm bringing to this organization, I feel
Speaker 2: like that wouldn't have been the tone of voice of
Speaker 2: my message. Yeah, Like I feel like when you say
Speaker 2: you love the culture, like that goes a little bit
Speaker 2: further beyond just loving. You know, I love working with
Speaker 2: Beck because Beck might be the only thing that you
Speaker 2: love in that workplace and everything else sucks. But I
Speaker 2: think that we need to talk about culture as more holistically. Clearly,
Speaker 2: you feel valued in some way, shape or form. Maybe
Speaker 2: not financially at this point, and back to Beck's point,
Speaker 2: maybe you don't need that at this point in life.
Speaker 2: Maybe it's an experience, but I do think it goes
Speaker 2: back to having really wholesome, holistic conversations. I get the
Speaker 2: startup life more than anybody does. I've done it multiple times,
Speaker 2: and I've had to have conversations with people where I'm like, look,
Speaker 2: this is the budget for this job. Take it or
Speaker 2: leave it. I cannot stretch the budget any further for this.
Speaker 2: And thankfully we're now not in that position where I
Speaker 2: have to really really cap it. Now I can actually
Speaker 2: remunerate super super well. But often when you work for
Speaker 2: a small business, you are taking some level of compromise,
Speaker 2: and that compromise usually is salary to make up for
Speaker 2: that culture, to make up for the fulfillment that you
Speaker 2: get so you really need to have a think about, well,
Speaker 2: what is this to do and beyond financial gain, what
Speaker 2: are you getting out of this? Is this a job
Speaker 2: where you're getting way more experience out of this job,
Speaker 2: So if you've stuck it out for another year, you'll
Speaker 2: actually turbo charge what you'll earn in the future, versus
Speaker 2: going to a corporate job that might silo you into
Speaker 2: something where you know there's not actually a lot of
Speaker 2: gain after that. I think we need to look at
Speaker 2: the big picture, not the right now picture, because right now, Jess,
Speaker 2: if I said do you want to earn double your salary,
Speaker 2: you'd be like, yeah, that sounds sick, can yah, But
Speaker 2: you're not really thinking that. Hey, Jess, if you earn
Speaker 2: double your salary today, you're never going to earn another
Speaker 2: dollar for the rest of your life. Whereas if you
Speaker 2: carry on on this trajectory, you're going to earn ten
Speaker 2: times more in the next ten years. Like, I think
Speaker 2: we need to look at the bigger picture as well.
Speaker 2: It doesn't sound like you're super unhappy, so I'm rocking
Speaker 2: a hard place. I think you need to sit down
Speaker 2: and maybe even just do a pros and cons list.
Speaker 2: What are you about this list. Where do you want
Speaker 2: to see yourself in the next twelve months, in the
Speaker 2: next five years. It's okay not to know if you
Speaker 2: can't answer those things, But what do you actually want
Speaker 2: to get out of job beyond financial gain?
Speaker 4: Yeah?
Speaker 2: One hundred cent?
Speaker 6: What did everybody else say? Because it seems like it's
Speaker 6: a bit split across the table.
Speaker 2: So this was interesting because you and I just were
Speaker 2: both on the I guess side of being like, sometimes
Speaker 2: you can just go to a job and it's absolutely
Speaker 2: fine not to love it, and they're done that. We
Speaker 2: asked the community, do you think it's important to enjoy work?
Speaker 2: Ninety seven percent of you said yes, three percent said no.
Speaker 2: We asked what do you value more in a job?
Speaker 2: Money and salary twenty eight percent, culture and work life
Speaker 2: balance seventy two percent.
Speaker 4: Huge people like to sit in the grass.
Speaker 2: Yeah, I love it. If you had two job offers,
Speaker 2: which one would you take? A lower salary but a
Speaker 2: great culture and work life seventy six percent, And at
Speaker 2: twenty four percent we said yes to a higher salary
Speaker 2: but poor culture and work life balance. There were so
Speaker 2: many comments on this as well. A lot of people
Speaker 2: had a lot to say. Someone said, I want the
Speaker 2: best of both worlds. Of course we all do.
Speaker 4: We all do.
Speaker 2: Sometimes not the most realistic thing to want. Someone said,
Speaker 2: time to negotiate if you've got another offer. Sometimes employers
Speaker 2: need a push.
Speaker 4: Also a relevant point.
Speaker 2: Someone else said, for a little bit more money, I
Speaker 2: would stay, but considering the offer is double bye.
Speaker 6: That's kind of how I feel.
Speaker 2: As someone said, as much as I love good work culture,
Speaker 2: you need to move companies and start earning more. Someone
Speaker 2: else said, take the job offer for one to two years.
Speaker 2: Then you can always come back to this job later
Speaker 2: with more experience and or pay. Someone said, there's always
Speaker 2: another opportunity for you. Maybe this isn't the right role,
Speaker 2: but you should be exploring a different one.
Speaker 4: That's a really good perspective.
Speaker 3: I like that.
Speaker 2: Someone said, use the other offer as leverage in your
Speaker 2: current job. Yes, you never know, but I also do
Speaker 2: think you need to be a little bit careful. So
Speaker 2: this is probably a spicy employer opinion. And Jess is
Speaker 2: laughing because she knows how I feel about this. I
Speaker 2: know this is going if I'm in a position where
Speaker 2: let's say Jess has interviewed with someone else and she's
Speaker 2: gotten a bigger better job offer. And let's say they're
Speaker 2: going to offer her double. Let's say I can afford
Speaker 2: to pay Jess double. I am an employer that believes
Speaker 2: that we should be having open, honest conversation about salary
Speaker 2: before you go external. If you're going external, I do
Speaker 2: genuinely believe that it is about more than money. So
Speaker 2: let's say Jess when external, I'm assuming me just paying
Speaker 2: her more is not going to mean that she stays
Speaker 2: ten plus years. I give it six months. I could
Speaker 2: double Jess's salary, but I guarantee she was looking somewhere
Speaker 2: else because she was disengaged with the job. She wasn't
Speaker 2: happy with my management, she wasn't happy with something I
Speaker 2: was doing. Because I know with the type of management
Speaker 2: I have, Jess would turn to me and be like, hey, there,
Speaker 2: can we talk about my pain? And I'd be like, yeah,
Speaker 2: do you want to grab coffee and have a chat.
Speaker 2: If you're coming to me to say, hey, v I've
Speaker 2: got this job offer, I want to counter offer. I'll
Speaker 2: be like, no, worries, take the job, as you've already left.
Speaker 2: In my mind, you've already been disengaged with the job,
Speaker 2: So that's right or wrong. As I said, spicy opinion
Speaker 2: from somebody who is an employer. I don't want to
Speaker 2: negotiate with a pre existing contract, do you know what?
Speaker 2: I am not disregarding the fact that sometimes that's actually necessary.
Speaker 2: Like I have got friends who've worked in like real
Speaker 2: estate and more like corporate roles where they've actually had
Speaker 2: to go get another offer and slam it down on
Speaker 2: their boss's table and be like, hey, mate, I've got
Speaker 2: this offer, match it or I'm out, and then they
Speaker 2: match it and they're so happy, And that's a ten
Speaker 2: out of ten. You need to read the room, because
Speaker 2: if you came to me with that, I would be like, Okay, Beck,
Speaker 2: I'm so sorry I couldn't fulfill you. Like you know,
Speaker 2: that looks like a really good job offer. You've obviously
Speaker 2: thought about this. I wish you the best. I'm not
Speaker 2: going to like I'm not in a position where I
Speaker 2: want to negotiate with you. I don't care how much
Speaker 2: value you put into my business, because I want you
Speaker 2: to be connected. I want you to be talking to me,
Speaker 2: and yeah, whether that is right or wrong, we're not
Speaker 2: disregarding the fact that sometimes that's necessary for my business.
Speaker 2: I think you need to kind of read the room
Speaker 2: and work out whether that's the best way to go
Speaker 2: about it or not.
Speaker 6: I think if you're going to put a counter offer
Speaker 6: on the table and use it as leverage, you have
Speaker 6: to be prepared to walk away. Like I wouldn't use
Speaker 6: that as a technique purely increase your salary. If you're like,
Speaker 6: I actually don't want this other job, but I'm going
Speaker 6: to use it to increase my salary, because there's a
Speaker 6: good chance that you will get your employer off hand.
Speaker 6: I think if you're in a position where you're like, oh,
Speaker 6: I could go either way.
Speaker 2: Do I stay, do I go? I am happy here.
Speaker 4: I like it here.
Speaker 6: If they match the salary, I would love to stay.
Speaker 6: If they won't match it, I'm happy to leave. Then
Speaker 6: it's a time that you can bring it into the
Speaker 6: conversation and say, hey, I do really like it here.
Speaker 6: I do want to stay, but you know, if I'm
Speaker 6: being offered double my salary, like, of course, I'll think
Speaker 6: about that. But I don't think it's a technique that
Speaker 6: you should use unless you are in the position where
Speaker 6: you're like, if they shoves, yeah, I would be happy
Speaker 6: to walk away.
Speaker 2: Yeah, Because I think people I think so too, And
Speaker 2: I'm always willing to have an open, honest conversation, and
Speaker 2: I don't think a lot of employers are. Let's be honest,
Speaker 2: and you know what, what if Jess got a rogue
Speaker 2: off from like another podcast brand and they were like, Jess,
Speaker 2: whatever you're doing, we'll give you double just like Vay
Speaker 2: did you know I got this? I'd be like, oh
Speaker 2: my god, who was it? I need to know it,
Speaker 2: need to know what's going on. But I think it's
Speaker 2: tread with caution with that one, because I know that
Speaker 2: that is an aggressive way of going about it. Sometimes
Speaker 2: it is necessary. Someone else DMed Us and they said,
Speaker 2: in your interviews, make sure to ask about culture, how
Speaker 2: they support balance, and whatever else is important to you,
Speaker 2: and also do your research into their leadership team and
Speaker 2: their business reviews. One interview is a good way to
Speaker 2: gauge the style and culture of the place. I promise
Speaker 2: there are always going to be better options out there
Speaker 2: for you. I think that's probably a good place to
Speaker 2: wrap it, to be honest, But I think it's just
Speaker 2: about knowing your worth. But also it sounds a little
Speaker 2: bit like you don't know what your values are as
Speaker 2: clearly as they should be because what I would want
Speaker 2: to hear in that circumstance is, oh yeah, like I
Speaker 2: don't get paid the best pay. Oh my gosh. I'm
Speaker 2: learning this, this and this, and I love the team
Speaker 2: and I love the culture. Maybe in the future I'll
Speaker 2: change my tune, but right now I'm really happy. I
Speaker 2: want to hear that, or I want to hear it.
Speaker 2: Look at the end of the day, like, I'm not
Speaker 2: that happy deeply, and I do need to move on.
Speaker 2: It might not be that role that you're being offered
Speaker 2: double willing, but you might start exploring other opportunities.
Speaker 4: Yeah, now you go make a personal cons list, maybe
Speaker 4: to make your life easier.
Speaker 2: Oh my gosh. I feel like this has been a
Speaker 2: very very well rounded conversation today, from Antoinette's cameo and
Speaker 2: first jingle on the show to talking about pay and
Speaker 2: talking about how to start saving and bis, I just
Speaker 2: think everything has been really good today. Ten out of ten,
Speaker 2: ten out of ten, we have tickets on ourselves. Guys,
Speaker 2: have the best weekend, and we'll see you on Monday.
Speaker 2: Bye bye.
Speaker 5: The advice shared on She's on the Money is general
Speaker 5: in nature and does not consider your individual circumstances.
Speaker 2: She's on the Money sists purely for educational purposes and
Speaker 2: should not be relied upon to make an investment or
Speaker 2: financial decision. If you do choose to buy a financial product,
Speaker 2: read the PDS TMD and obtain appropriate financial advice tailored
Speaker 2: towards your needs.
Speaker 5: Victoria Divine and She's on the Money are authorized representatives
Speaker 5: of Money Sherper Pty Ltd a BN three two one
Speaker 5: six four nine two seven seven zero eight AFSL four
Speaker 5: five one two eight nine