Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yor
Speaker 1: the Order Kerni Whoalbury 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. She's on the Money. She's on
Speaker 2: the Money. Hello and welcome to She's on the Money
Speaker 2: podcast that makes personal finance fun, especially on Fridays. It's
Speaker 2: our favorite day of the week today because we get
Speaker 2: the team together and celebrate you our incredible She's on
Speaker 2: the Money community today, mister Gorici's going to be sharing
Speaker 2: our favorite money wins. Our co host Beck is going
Speaker 2: to be sharing her favorite broke tips, and we're going
Speaker 2: to be helping to answer a cheeky money dilemma which
Speaker 2: is all about navigating a mortgage when you're a sex
Speaker 2: worker and something that you're leading into our dms about
Speaker 2: this week is the fallout of falling victim for Fomo spending,
Speaker 2: which I think everyone at this stable can relate to.
Speaker 2: Let's be honest and man, Bin done that my friends.
Speaker 2: Before we get there, though, we have started reading out
Speaker 2: our favorite five star reviews on the podcast. Beck, what
Speaker 2: was your favorite five star review that you saw in
Speaker 2: our reviews this week? Cool? Okay?
Speaker 3: So this one comes from Nat. She says, honestly, love
Speaker 3: this party has taught me so much about finance, helped
Speaker 3: me build confidence when making financial decisions.
Speaker 2: And then the She's on Money.
Speaker 3: Team honestly feel like girlfriends and your own circle of mates.
Speaker 3: We are your friends, so sweet.
Speaker 2: We are just friends who haven't met yet.
Speaker 4: Of course that's really cute. My one this week is
Speaker 4: from Fee, who said I've listened to almost every episode
Speaker 4: and I'm still loving it and learning new things every time.
Speaker 4: It has absolutely inspired me to make so many positive changes.
Speaker 4: Over the years, the podcast has evolved and kept fresh.
Speaker 4: The current format is the perfect balance. I love the
Speaker 4: controversial opinions on topics and the differing viewpoints of the team,
Speaker 4: especially Beck. More Beck airtime.
Speaker 2: Please, Oh my god, Oh my god, that has literally
Speaker 2: made my heart race. You are so cute today warning
Speaker 2: you deserve a good day today too, Thank you. I
Speaker 2: love it all right. So I don't have a name
Speaker 2: for this one because the person who wrote in actually
Speaker 2: has a username that is binary code, which I really like,
Speaker 2: and I think what I'm going to do is translate
Speaker 2: that later. But I think they're sneaky. So here's the review.
Speaker 2: Are you ready? It's so cute. I started listening about
Speaker 2: a year ago, and within just one year, the main
Speaker 2: difference it made was the confidence in my ability to
Speaker 2: change my financial habits. I had a mental block and
Speaker 2: was avoiding the topic of finances because I'm used to
Speaker 2: being a smarty pants at everything else loll. I felt
Speaker 2: embarrassed that I had this gap in my knowledge, and
Speaker 2: I thought it was just that I didn't have the
Speaker 2: brain for financial stuff. Boy was I wrong. Because of
Speaker 2: the WayV and the team have made this content so
Speaker 2: approachable and relatable, I've been able to self reflect on
Speaker 2: my money story and improve my habits, and now I'm
Speaker 2: in a financially secure and resilient place. I've even passed
Speaker 2: on the info to my teen nieces and nephews and
Speaker 2: they've been able to set themselves up so well, right
Speaker 2: from the age of fifteen when they got their first jobs.
Speaker 2: You've done wonders for my whole family. The impact is
Speaker 2: just going to multiply now. I mainly just listen because
Speaker 2: I like surrounding myself with positive energy and I love
Speaker 2: how you all interact and relate to each other. It's
Speaker 2: just so that's awesome. Thank you for everything is really nice. Yeah,
Speaker 2: that's really sweet. But did you write that? Yes? I
Speaker 2: love it. I feel like it has been such a
Speaker 2: good week reading through all the positive reviews, Like making
Speaker 2: finance fun is literally my favorite thing ever. But you
Speaker 2: know what else is my favorite? The community obviously, Like
Speaker 2: this community is literally only cool because of them. So
Speaker 2: miss jessic Ricci. When it comes to money wins and confessions,
Speaker 2: what are you bringing to the table?
Speaker 4: Alrighty, first, when this week I have comes from Sammy,
Speaker 4: who said she canceled her subscription to the Flow app
Speaker 4: after the free trial had concluded, and responded saying that
Speaker 4: it was out of her budget because it's about one
Speaker 4: hundred and twenty bucks a year. Yeah, it does get
Speaker 4: spano a bit expensive. However, Flow came back and offered
Speaker 4: her an annual subscription for twenty bucks. No, they did
Speaker 4: kind Yeah, so that I feel like is incredible.
Speaker 2: And Flow is going to be like, why are you
Speaker 2: reading this on the podcast? We have this influx of
Speaker 2: people emailing well, I mean, flow, money, isn't it? Flow?
Speaker 2: You're probably going to get some new clients out of this.
Speaker 2: Absolutely flow too, So I get it. I like it.
Speaker 4: There you go next, I've got no money win from Emily.
Speaker 4: It's a good it's a money needed, a good little fyi.
Speaker 4: Emily said she's been stocking up when period and general
Speaker 4: hygiene products are on half priced hail from chemists and
Speaker 4: the supermarkets. How we've spoken about how they run on
Speaker 4: that annual cycle because the Share the Dignity Drive is coming, yes,
Speaker 4: which is something that I know that we've all donated
Speaker 4: to before. If you don't know Share the Dignity to
Speaker 4: you mandif I shout them out quickly, of course, I
Speaker 4: don't mind if you don't know. Share the Dignity are
Speaker 4: a great organization. They provide period and healthcare products to
Speaker 4: women who need it. Obviously, cost of living is hitting
Speaker 4: people really really hard. The drive starts in November, so
Speaker 4: what Emily's done is she's getting in early. She's stockpiling
Speaker 4: half price and putting it aside so she can then
Speaker 4: donate it once the drive starts.
Speaker 2: That's sweet.
Speaker 4: I know that we're all struck for cash, but if
Speaker 4: you do want to contribute, you've got a little bit
Speaker 4: of extra room in your budget. Maybe you want to
Speaker 4: spend your flybysts or your every day Rewards points on some.
Speaker 2: Everyday rewards points would be perfect for that. And when
Speaker 2: I was going through the Woolies checkout the other day,
Speaker 2: I scanned my card and it was like, do you
Speaker 2: want to use your ten percent off on this purchase?
Speaker 2: And I was like, no, one must save it for
Speaker 2: a bigger purchase. But maybe that's when you save an
Speaker 2: extra ten percent off. Yeah, double down on the disc.
Speaker 2: Your self control is really something like i'd.
Speaker 4: Be hitting.
Speaker 2: Off now when my like total is like forty dollars.
Speaker 2: I want ten percent off when I'm at the supermarket
Speaker 2: spending one hundred and eighty bucks. Yeah, you've got to
Speaker 2: be You've got to be smart about totally.
Speaker 4: So a great little reminder and a very smart idea
Speaker 4: from our friend Emily. Next, I've got a money loss
Speaker 4: and a money win from Melissa Money lost her fridge,
Speaker 4: carked it over the weekend rip Oh there's so expensive,
Speaker 4: so annoyed, and she lost all the food in the
Speaker 4: fridge and freezer to spend one point three k on
Speaker 4: a new one, she said, money win. Though always asked
Speaker 4: for a deal, the worst they can say is no.
Speaker 4: They gave her an extra hundred bucks off because she
Speaker 4: asked them if they could, and they said yes, and
Speaker 4: then they got ten percent back on the total price
Speaker 4: through promotion.
Speaker 2: Money win. And also like that hundred bucks they can
Speaker 2: go to water stock in your freeze all the food
Speaker 2: that you lost. I hate to think about how much
Speaker 2: that food would have been worth as well, because I
Speaker 2: don't know about you guys, but like if something's a
Speaker 2: little bit more expensive, like say we've bought steak and
Speaker 2: I'm like, oh, we haven't actually cooked that into the freezer.
Speaker 2: She goes immediately into the I'm gonna freeze it, Like
Speaker 2: I don't want that stuff to go to waste because
Speaker 2: it's like a little bit more expensive. The broccoli that
Speaker 2: looks a little bit limp in my vegetable crisp bethough
Speaker 2: that never makes it to the freezer, So I feel
Speaker 2: like my freezer it's like the expensive part of my kitchen. Really,
Speaker 2: I want that to go to waste. There is also
Speaker 2: no worse smell than you're out.
Speaker 4: Next, I've got a money win from Penny, who said
Speaker 4: she went to her favorite bar with a friend. They
Speaker 4: got a glass of winy. When they went to pay,
Speaker 4: the bartender said that somebody had anonymously donated five hundred
Speaker 4: bucks towards a venue wide tab, so they each got
Speaker 4: their glasses one for free.
Speaker 2: Do you cute?
Speaker 4: Do you ever fantasize about having enough money to be
Speaker 4: able to do it like pay you go to a
Speaker 4: coffee shop and say, hey, like for every service worker
Speaker 4: that comes in, like pay for their coffee for the day.
Speaker 2: Should do that. We should do my dream. We should
Speaker 2: We should find a cafe that's local and do that
Speaker 2: for a day. We're like coffees are on sheese on
Speaker 2: the money. Yeah, I feel so fun. Yeah.
Speaker 3: Oh I'd love to just like look across the bar
Speaker 3: one day and be like, I'm going to pay for
Speaker 3: those girls.
Speaker 2: Literally reason creepy men in the bar, like I see you,
Speaker 2: Jessica totally tell her these drinks on me, and Josica's like,
Speaker 2: please send it back. I will not be accepting that,
Speaker 2: but thank you so much. Next, I've got the money
Speaker 2: from Christie who said she saw vd's real about the
Speaker 2: Core special and she signed up four days before they
Speaker 2: went on a trip, and they say fifty percent. Actually
Speaker 2: some meals at the restaurant and they got two free drinks.
Speaker 4: They also told the accommodation when they booked how excited
Speaker 4: that she to be staying. Next it was their anniversary
Speaker 4: and they.
Speaker 2: Got a bottle of bubbles on arrival. Oh my gosh,
Speaker 2: I love a mouthful that I'm about to go stay
Speaker 2: in Queensland. This is not sponsored, by the way, This
Speaker 2: is just us talking about a good money when I'm
Speaker 2: about to go stay in Queensland. And I literally made
Speaker 2: sure like three times that I'd put my Core membership
Speaker 2: in because I know that the place that we're staying
Speaker 2: in Queensland, there's like it's like kind of a resort.
Speaker 2: I'm going to get fifty percent off my meals, Like
Speaker 2: I'm not missing out on that. I'm going to make
Speaker 2: sure that I have that. I've not only entered it
Speaker 2: where they asked me, do you have an a Core
Speaker 2: membership what's a number? I was like, yeah, I have it.
Speaker 2: But I also made sure I put it in the
Speaker 2: notes of my booking because I was like, don't miss this,
Speaker 2: just like rock up with a shirt with the like
Speaker 2: print my core membership number and be like did you
Speaker 2: see this?
Speaker 4: Just in case, just and I know people are gonna
Speaker 4: have questions if they've missed the real So we did
Speaker 4: a blog post on it this week.
Speaker 2: If you want to go there, that bit maybe is sponsored,
Speaker 2: but my commentary has not had no clue. Sorry a
Speaker 2: corps absolutely.
Speaker 4: And then last of this week, I have one more
Speaker 4: money lost turned money again from Amy.
Speaker 2: She lost her purse which had her open card.
Speaker 4: In it, which is I think the Sydney We want
Speaker 4: to a Mikey and she said, spoiler alert, I will
Speaker 4: claim it today from the depot because a kind, harder
Speaker 4: person gave it in, which is very lucky. Thank you
Speaker 4: to that person.
Speaker 2: But she's so nice.
Speaker 4: She went to get a new Opal card and she
Speaker 4: was able to transfer the balance off of her old one.
Speaker 4: Oh that's so good, which was lucky because she had
Speaker 4: one hundred and thirty bucks on there.
Speaker 2: So that's why you should always register your hot ak
Speaker 2: so like always register your public transport cards because if
Speaker 2: that's the case, you can cancel your old one and
Speaker 2: have the balance shift over you wrote the Lacy cash.
Speaker 2: Also funny side note, I was in Sydney this week
Speaker 2: speaking at south By Southwest with that so amazing. That
Speaker 2: is really cool, actually elite. And I got a notification
Speaker 2: on the plane as we were landing from my bank
Speaker 2: and it said, hey, did you know you can use
Speaker 2: your bank card for public transport now, So like in
Speaker 2: Sydney you don't need your Opal card, you can just
Speaker 2: type your bank card. Yeah, but look at my bank
Speaker 2: shoving it in my face. You can only do this
Speaker 2: in New South Wales. Victoria hasn't caught up yet. That's
Speaker 2: so annoying because the other day I wanted to catch
Speaker 2: the tram but I couldn't find a Mikey because I
Speaker 2: don't usually catch the tram. Yeah yeah, but you know
Speaker 2: what I mean, Like it was actually I walked, so
Speaker 2: it wasn't the end of the world. And it's like
Speaker 2: the biggest first world problem ever. But I was like,
Speaker 2: how much simpler would it be if I could just
Speaker 2: tap my Apple pay. Yeah, anyway, he's got to catch up.
Speaker 2: Come a Mikey, Come on, Mikey with Android. I just
Speaker 2: want to say, I just want to put that out there.
Speaker 2: You can with Android. It must be nice, it must
Speaker 2: be nice. I live in the cult that is the
Speaker 2: Apple units there. Yeah, so anyway, tell me what broke
Speaker 2: tips have you got for us this week?
Speaker 4: There?
Speaker 2: Yes, okay, So this first one comes from Kisser. I
Speaker 2: love that kissing. I know that sounds like I'm made
Speaker 2: of yours.
Speaker 3: Kisses are now waiting for me, So I'd better make
Speaker 3: this quick. So Kisser says, join bunch. This is through Woolwords.
Speaker 3: So I did google it because this one came in
Speaker 3: very very recently.
Speaker 2: Yeah before.
Speaker 3: It's just fresh, just fresh, and so I googled it.
Speaker 3: It looks like it's like taste testing free food, free
Speaker 3: treats through Woolwords. You have to join, though, and when
Speaker 3: I google it, it did say the right capacity, So
Speaker 3: keep checking.
Speaker 2: Keep an eye on it, keep checking. Do try and join.
Speaker 3: I feel like there are otherwise you can maybe just
Speaker 3: like email them and maybe go on a wait list.
Speaker 2: So surely there's something like that. Corl's have an equivalent
Speaker 2: to I think it's called Cole's Circle. Okay, that's great
Speaker 2: to know Pol's circle. Kelle. We would like some free stuff,
Speaker 2: thank you, thank you. So I think that's a great one.
Speaker 2: If you just want some, you know, I will taste
Speaker 2: test a lot of things if you go. Do you
Speaker 2: want to try it? Yes? I do absolutely, the little
Speaker 2: bits of scroll at the bakery, I'm taste testing. They
Speaker 2: might be handing out stuff.
Speaker 4: By Southwest, I'll take twenty.
Speaker 2: So Tim Tam was a major sponsor of south By
Speaker 2: Southwest Parnetts, we love you, but we did make it
Speaker 2: our personal mission because you know when you go to
Speaker 2: a conference and then give you a canvas toach to
Speaker 2: collect all of your lip, well, we made it our
Speaker 2: personal mission to see how many individually wrapped Tim Tams
Speaker 2: we could fit in Jessica's bag. Oh and how many
Speaker 2: did you get in there? It wasn't like we went
Speaker 2: making a real every time we make all someone because
Speaker 2: there are lots of people like all over the conference
Speaker 2: that had this. We didn't just go tip it. That's
Speaker 2: no fun. Like you can't just go and tip a
Speaker 2: whole heap of Tim Tams in your bag and be
Speaker 2: like ha ha. We could fit this many and if
Speaker 2: someone catches you, yeah, And we also had to wait
Speaker 2: until we were offered a Tim Tam. Yeah, So like
Speaker 2: they'd be like, do you want to Tim Tam And
Speaker 2: we'd be like, oh, what a coincidence. We'd love Tim
Speaker 2: Town and then then hand us to Tim Taman, I like,
Speaker 2: sneak it into Jess's bag and then we're like haha,
Speaker 2: run away. And then another person and then they'd be
Speaker 2: like Tim Taman. You'd be like, wow, I have not
Speaker 2: been asked yet. Thank you so much. And then there
Speaker 2: was this one girl who I think quattoned on to
Speaker 2: us that was then near the entrance. I see that.
Speaker 2: We kept going in and out and she would look
Speaker 2: at us and be like Tim Tam and we'd be like, yep,
Speaker 2: she knew. She knew. She's a girl's girl. She respected
Speaker 2: the hustle ife, I love it. She also saw us
Speaker 2: filming putting the Tim Tams into Jess's bag, and I
Speaker 2: thought she thought it was study. But she didn't see here,
Speaker 2: nor say she's blind, she's blind, heats or nothing. She
Speaker 2: was an icon. We can't remember what she looked like.
Speaker 2: We can't remember what gates she was on on. It's
Speaker 2: don't ask, we will not tell you. But then when
Speaker 2: we got to the airport, our flight was delayed, so
Speaker 2: Jess sat on the ground and we tipped all the
Speaker 2: tim tams over it. Oh and how many?
Speaker 4: How did you? We got like some twenty something tim tams,
Speaker 4: which is crazy considering we're collecting those one by one.
Speaker 2: Now that's dedication. Thank you. That was a good broke tip.
Speaker 2: Thank you from Kisser. I mean, thank you, thank you Kisser.
Speaker 2: But also take free stuff from conferences. Yes, absolutely, that
Speaker 2: is actually a really good on. Okay.
Speaker 3: This next one comes from Ben who says, go to
Speaker 3: this is like a Melbourne thing, but I'm sure there
Speaker 3: are equivalents in other states and things.
Speaker 2: Go to Richmond Common Home, which is close to here.
Speaker 2: I had never heard of it. It looks like a cafe.
Speaker 2: I did google.
Speaker 3: It looks like it just like your stand a cafe bakery.
Speaker 3: Take the bread home, so I haven't been there personally.
Speaker 3: This is also a freshy, so I haven't had time
Speaker 3: to go and.
Speaker 2: Share it or something of that. But also, like what
Speaker 2: I mean, take the bread home, like from the table.
Speaker 2: This is what I'm yet to fact check. So like
Speaker 2: I do often go to a cafe and purchase bread
Speaker 2: and then I take it home, but I have to
Speaker 2: purchase it and there's no there, No, that's an exchange
Speaker 2: of money for good that is actually a transaction.
Speaker 3: But from what I can tell, this is like free bread.
Speaker 3: And the fact that it's Common Home, I'm thinking, like
Speaker 3: maybe they're giving out free bread because.
Speaker 2: After it's like done trading, like all the bread that
Speaker 2: they have after lunch while they're like shutting up shop
Speaker 2: or something.
Speaker 3: But I will say that if you do go to
Speaker 3: like a bakery or a cafe. I was sitting at
Speaker 3: a bakery with my girlfriend the other day, maybe just
Speaker 3: go your friend. Do you have a good friend and
Speaker 3: day We wouldn't know, No, I never heard about it,
Speaker 3: but they were just like, do you guys want some
Speaker 3: free bread?
Speaker 2: Take as many loads as you like. We're about to close,
Speaker 2: So whether how many loads and how many loads of
Speaker 2: breads did you take?
Speaker 3: We actually only took two because we were that's respectful,
Speaker 3: but we really.
Speaker 2: Wanted to take all of them. Yeah, that would have
Speaker 2: been me. And I've been like, thanks, nah, I'm good,
Speaker 2: I just want one, And in the back of my head,
Speaker 2: I'm like I wanted fifty.
Speaker 3: So whether or not Richmond Common Home do free bread daily,
Speaker 3: like every single day, all day, every day, honestly, go
Speaker 3: to your local bakery when they're closing up and be like, hey,
Speaker 3: what are you throwing out today?
Speaker 2: Can I take some love? How good is that? I
Speaker 2: love that? And what's your broke tip?
Speaker 3: My one is we have mentioned before kind of like
Speaker 3: in the similar vein where trying YouTube your car problems
Speaker 3: see if you can fix them yourself, because.
Speaker 2: More there have you been watching my videos on Instagram
Speaker 2: and now you're using that as your broke tep Okay.
Speaker 3: This is I believe I'm doing myself hole because I'm
Speaker 3: saying I haven't watched your Instagram and.
Speaker 2: It's it's very funny, and I think that everyone in
Speaker 2: now She's on the money community will probably understand this.
Speaker 2: But you guys, hear my voice twenty four seven. At
Speaker 2: this point, I probably would have blocked me on TikTok
Speaker 2: on Instagram, like Jess doesn't need more of me. She
Speaker 2: hears me on the pod, so like she hears me
Speaker 2: on the pod, then she hears me in the office,
Speaker 2: then she hears me on teams, then she sees me
Speaker 2: on Slack. She does not need more. And then I'm
Speaker 2: slide into her dms on Instagram like did you see
Speaker 2: thistrictly voice memos? So that she can still hear your voice. Mate.
Speaker 2: We are on TikTok at eleven pm DM and each other,
Speaker 2: so if anybody else is on that side of TikTok,
Speaker 2: we're with you. Yeah, be done. I'll go there, especially
Speaker 2: now that you mentioned it. My phone's listening.
Speaker 3: Yeah good, Yes, so I haven't seen it, but I
Speaker 3: wonder if it's what close to you or similar to
Speaker 3: what it was your youtubing was so right now, I obviously,
Speaker 3: as you guys know, I don't have a back window
Speaker 3: because someone broke into my car months ago.
Speaker 2: What is your back window made of? Currently? Duct tape?
Speaker 2: It's duct tape? Yeah, that's nice, honestly, what can't it do?
Speaker 3: Seriously, what can't it do? That was another broad tip.
Speaker 3: My cousin dact tape to a vacuum and she has
Speaker 3: a vacuum on an angle now but it really works.
Speaker 3: But anyway, exactly, duct tape does fix a lot of things.
Speaker 3: But anyway, my window is broken, my clutch is slipping,
Speaker 3: and you don't even know, Like, if you google the
Speaker 3: most niche and specific thing, YouTube will have the answer.
Speaker 3: So I've been quoted between fifteen hundred and two thousand
Speaker 3: dollars to replace my clutch. But I bought a clutch
Speaker 3: kit for one hundred and fifty bucks, okay, and it
Speaker 3: is quite labor mechanic quid, yeah, thank you so much.
Speaker 3: And I googled two thousand and four five speed manual
Speaker 3: and this exact game. It came up exactly how to
Speaker 3: fix it. It's quite labor. So if I had the money,
Speaker 3: I would absolutely get someone to pay, because it's not
Speaker 3: like I'm being ripped off for anything.
Speaker 2: I totally but it's just a very expensive thing to do. Yes,
Speaker 2: you're going to give it a hot crack. I'm going
Speaker 2: to give it a crack.
Speaker 3: And basically my broke tip is that import anyone out there,
Speaker 3: if you have a car problem and you have the
Speaker 3: physical ability to maybe just have a look, then YouTube it.
Speaker 3: I promise it will come up no matter what your
Speaker 3: problem is. It will come up, no matter how niche,
Speaker 3: And just try that first see if you can find
Speaker 3: the little bits and pieces. And honestly, it's a lot
Speaker 3: of a lot of fun and extremely satisfying just getting
Speaker 3: in there and getting hands dirty.
Speaker 2: Always can do it. How hard can it be?
Speaker 4: If you get good at it, you should start like
Speaker 4: offering it to friends, be like, hey, if you need
Speaker 4: it replace like, I'll do it for like five hundred bucks,
Speaker 4: which covers materials and labor, which is like seventy five
Speaker 4: percent off for them, like that they'd be so but
Speaker 4: then like you like you can do you said it's fun.
Speaker 4: It's a little bit easy money.
Speaker 2: Like yeah, that's actually a great idea.
Speaker 4: Become like the French mechanic and do cheap services.
Speaker 2: That's great. I love this and it actually plays into
Speaker 2: the video of mine that I posted on the internet
Speaker 2: that nobody's watched. So this week I replaced my wife.
Speaker 2: Funny story, Actually, someone stole my wipers off my car.
Speaker 2: My car's relatively nondescript, like it's not like I have
Speaker 2: custom plates or something, so like people wouldn't know that
Speaker 2: it's mine. But anyway, I got my one of my
Speaker 2: wipers stolen, which is arguably worse for me. That's super annoying.
Speaker 2: That's rude. Anyway, So I got online because my dad
Speaker 2: has always said you can just do it yourself, Like
Speaker 2: why not. I ordered my wiper blades just from I
Speaker 2: think like wipe a Tech. Why wipe a Tech because
Speaker 2: my dad told me to order them from wipe a
Speaker 2: Tech And same thing back you're just key in your car.
Speaker 2: You're key in the model, the year, and it tells
Speaker 2: you what wipers you need to buy, and then you
Speaker 2: order them. They have like ten percent off or something
Speaker 2: on their website, so it ended up being super cheap
Speaker 2: and you just clip them in yourself. It's just so easy.
Speaker 2: I also chopped up my water, did my oil. You
Speaker 2: can do all of that stuff yourself. You don't need
Speaker 2: to pay somebody. I just do. I find it so
Speaker 2: funny because I think the second that you go, oh,
Speaker 2: it's something on your car that needs feeling, we think
Speaker 2: that we can't do it ourselves. Yeah. And I was
Speaker 2: talking to our producer Emma the other day and she's like, oh,
Speaker 2: car door handle broke. My husband just ordered a brand
Speaker 2: new one, you know, ten bucks or whatever it was.
Speaker 2: Ali Express does the job. Yeah. Absolutely, we can do
Speaker 2: hard things, really we can. We absolutely can. And even
Speaker 2: things around the house. The boys do it. I just
Speaker 2: can't get that real out of mind yet, neither can I.
Speaker 2: That's all I have. That's all you've got. I love that.
Speaker 2: Let's go to a break on the flip side, we're
Speaker 2: going to be talking about our money dilemma, which this
Speaker 2: week is about navigating getting a mortgage when you're a
Speaker 2: sex worker and something you slid into. Our DMS about
Speaker 2: is about the fallout of falling victim to fomo spending,
Speaker 2: which I think everyone on the table can relate to.
Speaker 2: So don't go anywhere, guys.
Speaker 4: Welcome back everyone. Let's take a listen to this week's
Speaker 4: money dilemma.
Speaker 2: Hi, there, have you got a money dilemma you just
Speaker 2: can't solve? The She's on the Money team is here
Speaker 2: to help. Every week we tackle your dilemmas, both big
Speaker 2: and small, to answer your most burning money, career and
Speaker 2: life questions. To get involved, simply head to our website
Speaker 2: and leave us a short voice recording and you might
Speaker 2: just find yourself on the show. Now, let's take a
Speaker 2: listen to this week's money dilemma.
Speaker 5: Hello, I work casually as a disability support worker and
Speaker 5: a sex worker full service, and I'm trying to get
Speaker 5: ready to buy a home. But I have some questions
Speaker 5: around privacy with my home loan broker as well as
Speaker 5: my parents want to be involved, and I'm just questioning
Speaker 5: how can I keep this private. I'm doing the best
Speaker 5: that I can, trying to pay as much tax as possible,
Speaker 5: and putting all of my cash into the bank.
Speaker 2: But yeah, I have to.
Speaker 5: Be open with these things with mortgage brokers, and I
Speaker 5: don't necessarily want to tell them and my parents that
Speaker 5: I'm a sex worker.
Speaker 2: Thanks so much. Bye. What do you reckon?
Speaker 5: Beck?
Speaker 2: I feel like you want to be the first cab
Speaker 2: off the rank to answer this.
Speaker 3: Yes, only because I have a friend who is well
Speaker 3: was in a very similar position.
Speaker 2: She now has home.
Speaker 3: But it's not like organ news because she so she said,
Speaker 3: and this is like, really, this is secondhand information that
Speaker 3: I was was a while ago.
Speaker 2: So I'm probably gonna butcher this.
Speaker 3: But she said she is a sole trader, so she
Speaker 3: does pay tax, she has an ABN. But I don't
Speaker 3: know that you. I mean, I could be wrong, but
Speaker 3: you might not need to say what you do. You
Speaker 3: might just have to be a soul trader.
Speaker 2: I'm not sure.
Speaker 3: But anyway, for the six months leading up to it
Speaker 3: could have been three or six leading up to actually
Speaker 3: getting a home loan, she had to get a full
Speaker 3: time job to show that she had what consistent income
Speaker 3: that was through a different Nah. I don't know if
Speaker 3: that's that's the right wall.
Speaker 2: That's like, I'm really saying nah, because like I've got
Speaker 2: heaps of clients who are sex workers. Yeah, I don't
Speaker 2: know if you need to be in an issue totally.
Speaker 2: If you're a sex worker, that's a legitimate job, Like
Speaker 2: it's just a job, and will address the other side
Speaker 2: of it. But if you have a job and you
Speaker 2: are paying tax on that job, and you are generating
Speaker 2: an income, and you can prove to me as your
Speaker 2: broker that you have a consistent income over twelve months,
Speaker 2: I can get you alone. It's a non issue. I
Speaker 2: think the issue I can see where she's coming from, Like,
Speaker 2: if this is your job and you haven't told your
Speaker 2: parents or the broker, to be honest, I see that
Speaker 2: as a bit of a red flag, not because you
Speaker 2: have to tell your parents you don't, but more as
Speaker 2: a red flag get a better broker, Like I love
Speaker 2: the people that I work with and have the utmost
Speaker 2: respect for them, And if you don't feel like your
Speaker 2: broker is extending that to you where you don't feel
Speaker 2: comfortable to share the job that you do. Like how
Speaker 2: weird if I went to see a finance professional and said, oh,
Speaker 2: I don't really want to tell them that I'm a podcaster,
Speaker 2: Like that's I would never want you to be in
Speaker 2: a situation where we're talking about money, talking about creating wealth,
Speaker 2: talking about getting you in your first home, and there's
Speaker 2: something about your financial situation that you're scared to tell
Speaker 2: me about. Yeah, Like, i'm your broker, it's my job
Speaker 2: to protect you. If your parents want to get involved
Speaker 2: as a guaranteur, I would get on the right page
Speaker 2: with your broker so that they understand where it's coming from,
Speaker 2: because the banks may be going to ask questions, not
Speaker 2: because you're a sex worker, but because they might want
Speaker 2: clarity on oh, it seems like you get paid sometimes weekly,
Speaker 2: sometimes fortnightly, Like what's the deal? How does that work?
Speaker 2: Like they might have just clarifying questions because it's a
Speaker 2: genuine source of income, right, But if you didn't want
Speaker 2: to tell your parents, I would be sitting down with
Speaker 2: your broker and saying, Hey, my parents want to guarantee
Speaker 2: my loan. I've told them that I do this particular job,
Speaker 2: or you know, I work in retail, or I do
Speaker 2: something else. Yeah, can you just not share that information?
Speaker 2: And they won't because more often than not, when you're
Speaker 2: working with a guaranteur, I don't actually need to share
Speaker 2: information about the person they're guarantoring. I actually need to
Speaker 2: get a whole heap of information from your parents about
Speaker 2: the asset that they're using to underwrite your loan, and
Speaker 2: what they do and what their income is. Like, it's
Speaker 2: not so much about sharing your information with your parents.
Speaker 2: It's actually the opposite. It's about getting information from your parents.
Speaker 2: So it's good to know. I would just find somebody
Speaker 2: like one of the Zella money mortgage brokers who just
Speaker 2: want to support you, Like I love a queen who's
Speaker 2: just paving your own path and getting shit done like iconic. Yeah,
Speaker 2: completely agree. Just what would you do? I've got nothing
Speaker 2: to haden, You're honestly like it, it's just a job.
Speaker 4: Yeah, Like I completely agree. Like, I think you have
Speaker 4: to tell your broker. I don't really see any world
Speaker 4: in which you don't tell your broker, but you don't.
Speaker 2: Have to tell you. Like if you came to me
Speaker 2: and you're saying that I really want to get a
Speaker 2: home loan, I'd be like, cool, what do you do?
Speaker 2: And then you're like, oh, well, my generating income, I'd
Speaker 2: be like, how, Like I need to make sure that
Speaker 2: that income is clean and clear and going to get
Speaker 2: you alone, and I'd like, I actually just don't care
Speaker 2: where it comes from as long as you're paying tax
Speaker 2: on it. And I think that that's a really good
Speaker 2: point because in the industry, obviously there's like a lot
Speaker 2: of shame that shouldn't be there, there's a lot of
Speaker 2: judgment that shouldn't be there. But you need to find
Speaker 2: the right finance team that can be on your page,
Speaker 2: because hopefully if you're killing it, usually with sex work,
Speaker 2: it's the type of work that you need to make
Speaker 2: hay while the sun's shining, Like you're not potentially going
Speaker 2: to be able to do this until you're sixty five
Speaker 2: and retiring. More often than not, I see this industry
Speaker 2: be quite short. If you're having the sunshine and you
Speaker 2: are making a heap of money and buying your first home,
Speaker 2: I want to make sure that we are structuring it properly,
Speaker 2: making sure that your cash flow is looking good, making
Speaker 2: sure that maybe I can get you into a second
Speaker 2: investment property that you can really solidify your wealth now,
Speaker 2: because like, why are you working so hard to not
Speaker 2: put that money to work for you? Absolutely anyway, I
Speaker 2: just think that you should be getting the right people
Speaker 2: on your team. That are backing you instead of making
Speaker 2: you feel like, oh, I don't really want to share that.
Speaker 2: I get the parent thing. You don't have to tell
Speaker 2: anybody anything that you don't want to share. Yeah, when
Speaker 2: it comes to a broker, I need to know your
Speaker 2: stuff and I need you to trust me with it.
Speaker 2: So if you're not trusting that broker that you're talking about,
Speaker 2: get a new one, babe, getting you out with the
Speaker 2: old in with a new. Absolutely. Are you guys ready
Speaker 2: for the DM.
Speaker 4: Today?
Speaker 2: All right, So here's the damn we got. Hey, she's
Speaker 2: on the money. I've been hating on myself a lot
Speaker 2: lately and need your help. I'm finding it really hard
Speaker 2: to balance my budget with my social life. My friends
Speaker 2: have been organizing lots of group catch ups for dinners
Speaker 2: and birthdays, for example, and I get serious fomo and
Speaker 2: I feel like I have to say yes to everything,
Speaker 2: but every time I spend way more than I'd planned,
Speaker 2: and then I'm left scrambling to cover my bills. Last weekend,
Speaker 2: I ended up spending half my bill budget on a
Speaker 2: night out and now I'm really regretting it. The problem
Speaker 2: is also I feel uncomfortable saying no to plans because
Speaker 2: I can't afford it. How can I break this cycle
Speaker 2: and still have a social life. I wonder if this
Speaker 2: is me that did you like have a few too
Speaker 2: many drinks right into your own show and then forget
Speaker 2: that you did it? Yes? Why, Yes, that was me.
Speaker 3: Anytime anyone asked me to do any too many soda waters,
Speaker 3: I just cannot not do it, you know, And then
Speaker 3: I end up sp all the money that I maybe
Speaker 3: had plans to do something else with, you know what
Speaker 3: I mean.
Speaker 2: Yep, But it's relatable, like this is not something that
Speaker 2: you know only you're experiencing. Lots of people are like, Oh,
Speaker 2: my friend's birthday is happening, I'm gonna have to go.
Speaker 2: I just think and I feel like we say this
Speaker 2: a lot if your friends aren't kind of like understanding
Speaker 2: or kind of making you feel comfortable in a situation
Speaker 2: where like you can't actually spend money maybe on a
Speaker 2: birthday present, maybe on dinner, maybe on all these things.
Speaker 3: If they're not making you feel like it's okay to
Speaker 3: still be present because your money is not who they're
Speaker 3: hanging out with, it's you. And so if you go like,
Speaker 3: I'll always go to dinner if I can't afford it,
Speaker 3: then either someone will pay for me because they're like, hey,
Speaker 3: you're not just gonna sit there and do nothing, Like.
Speaker 2: I'll be like beck, get in the car totally, totally.
Speaker 3: I'll let people know in advance, are like, I'm really
Speaker 3: broke you guys, So I'm gonna come, but I'm gonna
Speaker 3: eat first, or I'm gonna come and I'm gonna order I'm.
Speaker 2: Just gonna have a drink, or I'm gonna have it
Speaker 2: on a tray, or we're gonna pick at everyone else's dinner,
Speaker 2: which is very annoying. Are you a seagull? Like you
Speaker 2: go and you just steal a chip? You're like, I am.
Speaker 2: I don't want to be a scam. Sometimes I am,
Speaker 2: but people don't always like I never finish my meals
Speaker 2: a restaurants because they're always so big, and I'm always
Speaker 2: saying to everyone, hey, like do you want to eat
Speaker 2: go halves on something? I mean, I don't think the
Speaker 2: strategy is go and expect other people to pay it
Speaker 2: for you, or go and scab chips. But will always
Speaker 2: but I like the audacity You're like, I'm going I
Speaker 2: just I will be eating your tube and I carry
Speaker 2: that your presence is the exactly.
Speaker 3: It's just a felt like bonding with your friends and
Speaker 3: just chun ship and that you know, just like having
Speaker 3: a good time, good time and like As for gifts
Speaker 3: and stuff, just honestly I think gifts.
Speaker 2: Oh my gosh, actually that's so funny. I have side note,
Speaker 2: we will answer this, but have you guys seen the
Speaker 2: absolute junk the Abby Chatfield is getting online at the
Speaker 2: moment because she posted that, you know, this whole idea
Speaker 2: of paying to go to someone's wedding, Like, you know,
Speaker 2: if you go to someone's wedding, there seems to be
Speaker 2: this unspoken rule of you know, covering what it would
Speaker 2: have cost the bride and groom, which I think is
Speaker 2: unhinged and absolutely not Like I could go on a
Speaker 2: massive rant about this because I think it is wildly
Speaker 2: inappropriate to have an event where you expect someone to
Speaker 2: pay for a gift or pay you for attending your event,
Speaker 2: like that is my wedding that I have chosen to
Speaker 2: have anyway. Complete side know, I'll probably go on a
Speaker 2: rount on TikTok or something about it at some point soon,
Speaker 2: but she's getting so much crap. Is the presence of
Speaker 2: you being there not the present. I agree, I agree,
Speaker 2: and I don't. I know, there's lots of cultural things, right, Like,
Speaker 2: there's lots of layers to this, And if in your
Speaker 2: culture giving gifts makes sense to you, fantastic. But at
Speaker 2: a base level, no human being should be expected to
Speaker 2: part with their finances to appease somebody else.
Speaker 3: If your two options are deep and completely like uncomfortable
Speaker 3: anxiety about money, or just not see someone that you
Speaker 3: really love get married on the biggest day of their life,
Speaker 3: like arguably one of the biggest days of their life,
Speaker 3: if that's very important to them. You know what do
Speaker 3: you choose?
Speaker 2: Like you're like loos like lose lose, Yeah, And I
Speaker 2: just don't think sho put that pressure on someone you know,
Speaker 2: who's just mind their own business totally. Anyway, back to
Speaker 2: fomo fomo spending back Apart from scabbing chips, how are
Speaker 2: you tackling it or should be asked, yes, yeah, honestly,
Speaker 2: that's it for me. I just think that that's it
Speaker 2: from me. You should probably scab some chips, scab chips,
Speaker 2: talk to your friends, just try and show up and
Speaker 2: you don't you don't have to spend money, be you
Speaker 2: that's why you've been in finance. Actually, no, I was going.
Speaker 3: To say, send your money to someone else. Want to
Speaker 3: be friends that you really trust, And that's what I've
Speaker 3: been doing, sending it.
Speaker 2: That's a terrible idea. I know that. Okay, I'm not
Speaker 2: sending money to friends like I cannot guarantee somewhere or
Speaker 2: or let's just get good at budget cash flow. I'm
Speaker 2: going to teach you. You have me. I'm going to
Speaker 2: put you in the best possible position. Yeah, we're going
Speaker 2: to do that. It's a better idea, But I do
Speaker 2: do not give your money to a random person, Jessica
Speaker 2: for most spending, how are you dealing with it? I'm
Speaker 2: going to give you a bit of.
Speaker 4: Tough love and just say deciding to spend money on
Speaker 4: dinner or drinks. As much as I completely understand the
Speaker 4: desire to fit in in the desire like I fully
Speaker 4: empathize with that, As you said, we've all experienced it,
Speaker 4: it is simply a bad choice if you're compromising. If
Speaker 4: you go I can either pay my rent or pay
Speaker 4: for steak dinner with the girls. It's a bad choice
Speaker 4: to elect and that, like to me, that's very black
Speaker 4: and white. I know that's very harsh and very mean.
Speaker 2: Do we need a tough love though, to kick us
Speaker 2: in the right direction.
Speaker 4: I don't mean to be mean, but genuinely, I think
Speaker 4: I understand, and like, as I you know, you all know,
Speaker 4: I have had debt myself, and I've been there, and
Speaker 4: I totally get it, and I think you genuinely have
Speaker 4: to do some internal work to get past that. I
Speaker 4: think it's generally speaking, deeply rooted in your psychology. The
Speaker 4: culture of your friendship group as well, I think contributes
Speaker 4: a lot to that. And I understand that it is
Speaker 4: sometimes embarrassing to say to somebody, Oh, I'm really sorry,
Speaker 4: like I can't afford to do this, or I'm going
Speaker 4: to come, but I can't get a round of drinks
Speaker 4: for everyone if you're all taking turns or whatever that
Speaker 4: looks like. I understand that you can feel a little
Speaker 4: bit like, oh, like everyone else is doing it and
Speaker 4: I don't want to look like an idiot.
Speaker 2: Yeah, And then you make it worse in your head,
Speaker 2: and then you don't sleep the night before.
Speaker 4: The anxiety builds up and builds up and builds up.
Speaker 4: But I think the two things that you need to do,
Speaker 4: the groundwork are one being open with your friends and
Speaker 4: the people around you, because if they love you and
Speaker 4: they are your friends exactly as Beck said, they're going
Speaker 4: to find they just want you there. They don't care.
Speaker 2: I didn't invite you for dinner because I want to
Speaker 2: send you into personal debt. I invited you for dinner
Speaker 2: because I think you're cool and I want to hang
Speaker 2: out more.
Speaker 4: Yeah, absolutely can find ways to participate in that, as
Speaker 4: you said, whether it's electing for just a small startup,
Speaker 4: or splitting with a friend, or even just having a drink.
Speaker 4: Like I know that it's not as fun and it
Speaker 4: can make you feel a little bit ostracized. But if
Speaker 4: you really can't cope with the feeling of missing out,
Speaker 4: then your options are find a way to do it affordably,
Speaker 4: or let's do a little bit of work and be
Speaker 4: okay with missing out on things.
Speaker 2: Sometimes.
Speaker 4: I know that I'm a real introvert, and so it
Speaker 4: probably comes a lot easier to me.
Speaker 2: You're like, oh, no, I can't go. That must be
Speaker 2: so terrible. Yeah, Sam's front door and runs back to
Speaker 2: the couch, jumps in blanket on fuzzy socks. Cat online.
Speaker 2: You're like, oh, yeah, no, V I'm crying. I'm really sorry.
Speaker 4: But I think like there is also something to be
Speaker 4: said for being comfortable enough in yourself and in your
Speaker 4: friends to go okay. I get that they're going to
Speaker 4: have fun, and I'm happy that they're going to have fun,
Speaker 4: but also like, if it's not on the cards for
Speaker 4: me this week financially, I can have a good time
Speaker 4: by myself, or I can have a good time and
Speaker 4: have a friend come to my place and we buy
Speaker 4: a three dollar bag of popcorn and we watch a
Speaker 4: movie at home and we do something that way. I
Speaker 4: think like finding ways to still be social but not
Speaker 4: spend a lot of money is probably striking the right balance.
Speaker 4: And as I said, like it's hard to hear, but
Speaker 4: it requires a bit of work on you and why
Speaker 4: you're responding to the way that things you know that
Speaker 4: you are and why you are feeling these ways, and
Speaker 4: like sometimes that means go on a therapy, or sometimes
Speaker 4: that means just like reflecting a little bit on what's
Speaker 4: triggering those feelings and thoughts. But yeah, ultimately I want
Speaker 4: to say, as someone who has been there, it is
Speaker 4: not worth putting yourself in a financial pit because you
Speaker 4: don't want to miss out on a good time.
Speaker 2: It's just not It's genuinely not I say that with love.
Speaker 2: I don't know. I'm sorry you really mean Jess is
Speaker 2: literally the last person that's going to be nasty me.
Speaker 2: On the other hand, when it comes to love, I
Speaker 2: also think it's about shifting your mindsets. So saying oh,
Speaker 2: I can't afford that is very different to that's currently
Speaker 2: not in my budget. And I think that we need
Speaker 2: to be empowered by these conversations of making good money decisions,
Speaker 2: because future you was going to thank you being able
Speaker 2: to say, oh, that's just not in my budget this week.
Speaker 2: Like it's so like and we've spoken about this on
Speaker 2: the show before. Beck you mentioned it maybe like two
Speaker 2: or three episodes ago on a Friday, and you said,
Speaker 2: I hate when someone says, oh, i'm broke, I'll have
Speaker 2: to dip into savings. And you're like, well, that's not
Speaker 2: relatable at all, because when I say I'm broke, I
Speaker 2: mean I have four cents in my bank account and
Speaker 2: I literally can't do it. I'm not dipping into savings.
Speaker 2: And I think that it's about articulating things clearly, Whereas Becky,
Speaker 2: if you said, oh, that's not in my budget. That's
Speaker 2: kind of alluding to maybe it's not in the budget
Speaker 2: that I've allocated for those activities this week, or it's
Speaker 2: not in the budget because I'm saving for a holiday.
Speaker 2: Like it doesn't necessarily mean that you have to open
Speaker 2: the can of worms of sharing your entire financial life.
Speaker 2: And I think that when we talk about personal finance,
Speaker 2: it can actually be as personal or not personal as
Speaker 2: you want it to be, Like I could have and
Speaker 2: I do. I have these conversations all the time with
Speaker 2: you guys. I talk about spending, I talk about my values.
Speaker 2: Nobody at this table, nobody in our community knows how
Speaker 2: much I earn, how much I spend, exactly what I own,
Speaker 2: and exactly what I owe. None of you know that
Speaker 2: because that's a boundary that I've drawn and gone, well, actually,
Speaker 2: that's just not stuff that I'm willing to share on
Speaker 2: the show. And there's a number of reasons for that,
Speaker 2: one of them being because I know that a lot
Speaker 2: of what I do is not that relatable. Now I'm
Speaker 2: at a different stage, and I have been there. I've
Speaker 2: been in forty thousand dollars worth of personal debt when
Speaker 2: my income was sixty thousand dollars. I could not sleep
Speaker 2: because of debt, because I had FOMO, because I wanted
Speaker 2: to study overseas, because I wanted to buy a car
Speaker 2: that I couldn't afford, because I wanted to go out
Speaker 2: for dinner with my friends. So I know you because
Speaker 2: I was you. So when I'm giving advice, it's not
Speaker 2: because I'm now in a good financial position. It's because
Speaker 2: I had to pull my socks up and get myself
Speaker 2: out of that debt and start saying no to things.
Speaker 2: And by being able to say, I know, to things,
Speaker 2: I was saying yes to opportunity and yes to being
Speaker 2: in a little bit more and you know, even being
Speaker 2: able to be given the space to think about my career,
Speaker 2: to think about what I wanted to do. I just
Speaker 2: ended up in a better position because I finally started
Speaker 2: sharing my journey and saying to my friends, Oh, actually
Speaker 2: I can't do that, Jess. I need to save or
Speaker 2: I need to you know, put some money into my debt,
Speaker 2: or I need to do whatever it is. It was
Speaker 2: scary at the start, but do you know what happened.
Speaker 2: It was like a snowball. I started getting out of debt,
Speaker 2: but at the same time I was collecting stories from
Speaker 2: friends where I'd be like, oh, for example, Jess, like,
Speaker 2: actually I can't go out for dinner, like I haven't
Speaker 2: been sleeping well because I've got this debt and it's
Speaker 2: just really stressing me. Someone like Jess would have turned
Speaker 2: around if we'd been friends while I was in debt, like,
Speaker 2: oh my god, me too far out? Do you know
Speaker 2: how empowering those conversations are when someone goes, oh me too,
Speaker 2: like I can almost guarantee that because humans usually keep
Speaker 2: the same company, right like Beck, I'm assuming that your
Speaker 2: very close friend group, similar values, similar morals, just same
Speaker 2: me say, the second you start sharing small things, it
Speaker 2: gives permission to other people to share their small things.
Speaker 2: And instead of me going, oh, Jez, like, we've got
Speaker 2: you know, Stef's birthday dinner soon and I just I
Speaker 2: don't know how I'm going to afford it, Oh my god,
Speaker 2: there I was thinking the same thing. Those conversations can
Speaker 2: become empowering, and I know that they feel like trash
Speaker 2: at the beginning, because you're like, I don't know how
Speaker 2: Jess is going to take this. I don't know what
Speaker 2: she's going to say to me. Maybe she'll judge me
Speaker 2: I promise no good friend is going to judge you,
Speaker 2: and I live and die by this quote. No one
Speaker 2: doing more than you will ever speak less of you,
Speaker 2: and if they do, they're out. So that's where I
Speaker 2: will leave that one powerful but literally, nobody doing more
Speaker 2: than you will ever speak less of you? So true?
Speaker 4: What did everybody else say?
Speaker 2: All right? So the community, we obviously said, what's your
Speaker 2: two cents? We said, do you ever fall victim to
Speaker 2: fomo spending? Fourteen percent of you unrelated content, Nope, I'm
Speaker 2: a budget queen. Okay, did you click.
Speaker 4: That I have a phomo spender sometimes?
Speaker 2: Fifty six percent of you said sometimes it gets me,
Speaker 2: but I'm trying hard to resist. Just click to that one,
Speaker 2: and twenty nine percent of you said all the time.
Speaker 2: The struggle is really real. I click that one. Then
Speaker 2: we asked what's harder saying no to fomo spending or
Speaker 2: the financial stress? Afterwards, thirty one percent of you said
Speaker 2: the hardest thing is saying no to fomo, but sixty
Speaker 2: nine percent of you said it's harder dealing with the
Speaker 2: financial stress after spending. The fallout is hard, the fallout
Speaker 2: and it yeah, it deals with it exactly. So then
Speaker 2: we said, all right, give us your two cents. Someone said,
Speaker 2: do a sober month challenge with a friend. You're going
Speaker 2: to save some cash, increase your health, and it makes
Speaker 2: you get creative with your catch up ideas. Love it
Speaker 2: kind of cute. Someone else said, at the end of
Speaker 2: the day, your friends aren't paying your bills. It's true, true, savage.
Speaker 2: Someone said, the only thing we'll remember when we are
Speaker 2: old are the memories we make. Money comes and goes.
Speaker 2: So true. Yes, that was me that someone else said.
Speaker 2: I give in, not from fomo, but more from fear
Speaker 2: of being perceived as cheap or stingy.
Speaker 4: But let's tell you, I hate that that is a thing.
Speaker 4: Get rid of it, like be the cheap friend.
Speaker 2: Maybe I'm the cheap friend.
Speaker 4: But like I don't think that it's a bad thing.
Speaker 2: No, not, absolutely not. I think it's been the smart brand,
Speaker 2: smart with money. Yes, like I think if we sat
Speaker 2: down and you know, you know how you sometimes tell
Speaker 2: your friends good things, like we've done this before, like
Speaker 2: a just remember this is so unrelatable, but remember when
Speaker 2: we had our dinner party in New York. So unrelatable.
Speaker 2: But we had a friends giving dinner and anyone could
Speaker 2: do this right. We had friends giving and the plan
Speaker 2: was to have a really nice meal, home cooked meal together,
Speaker 2: and we went around the table and we shared things
Speaker 2: that we thought were inspirational about each other, things that
Speaker 2: were grateful for each other for and it was literally
Speaker 2: the most wholesome evening of my entire life in Entai night.
Speaker 2: But I can always guarantee not one person if you
Speaker 2: had all your friends in a room, if we said, oh,
Speaker 2: what do we think is really great about Beck, not
Speaker 2: one person is ever going to immediately go bit cheap.
Speaker 2: Like They're literally going to say really kind things. They're
Speaker 2: going to be like, oh, Jess is really resourceful. I
Speaker 2: do not think of you as stingy or cheap. But
Speaker 2: then when you are like oh, v I could give
Speaker 2: you a list of examples, they'd be like, yeah, I
Speaker 2: thought that was just you being smart. Yeah, Like I
Speaker 2: just thought that you were good with money. I just
Speaker 2: thought that you were actually intelligent and you were an
Speaker 2: investor and you're probably going to be richer than me, Like,
Speaker 2: is that not what's going on here? Yeah?
Speaker 3: I've never ever with your any of my friends who
Speaker 3: are really really good with their money, I've never thought stingy,
Speaker 3: cheap time. But like, I think there's definitely difference between
Speaker 3: if you are the kind of person that is taking
Speaker 3: the benefits of what everyone buying rounds, but you're not
Speaker 3: buying them because it's not like, yeah, you're like me
Speaker 3: and still a n's just don't buy anyone anything. But
Speaker 3: yeah that those who are completely different what you know
Speaker 3: this person could do and what you're doing.
Speaker 2: Jess is obviously uv extremely smart, extremely admirable.
Speaker 4: Yeah, don't think things and not reciprocate, but you don't
Speaker 4: you can find other ways to participate.
Speaker 2: Yeah, calling someone stingy is moreover a reflection of you
Speaker 2: and your values than of them and what they're doing.
Speaker 2: Like if I said, oh, Victoria's stingy, I think that
Speaker 2: just is a narrative that I've built in my head
Speaker 2: that maybe I feel stingy when I do something like that.
Speaker 2: But you never know someone's goals or motivations for doing something,
Speaker 2: like if Jess is like, oh, for example, you know
Speaker 2: you might call your friend stingy if they're like, oh, no,
Speaker 2: I don't want to split it. Equally, I actually want
Speaker 2: to just pay for my items. You might think, or
Speaker 2: someone might think, oh, that's real cheap, but Jess might
Speaker 2: be thinking, oh, but Beck's not going to want to
Speaker 2: do that, so I'm going to be the one that
Speaker 2: speaks up. So she's not even the stingy friend. She
Speaker 2: just knows that Beck only wants to pay for her
Speaker 2: soda water and doesn't want to pay for my champagne.
Speaker 2: You know, so she's fair one hundred percent. But like
Speaker 2: you never I know why someone's bringing that up. And
Speaker 2: if your default is thinking that Jess is being stingy
Speaker 2: by making that comment, Babe, that says more about you
Speaker 2: than it does about Jess's motivations.
Speaker 4: Again, you need to do some work on yourself, do.
Speaker 2: Some internal work, friend. Someone else said, and I thought
Speaker 2: this was really smart. They said, I've actually started a
Speaker 2: FOMO savings account. My goal is to get to two
Speaker 2: grand before I'm allowed to start using it. Ah. I
Speaker 2: like that she's like, oh, I'm really bad at her
Speaker 2: a budget gone. Someone else said. For me, it's not
Speaker 2: the pomo, it's feeling guilty for not being there. I
Speaker 2: feel like I've let my friend down. I get that.
Speaker 2: That's why turning up and having a little soda water
Speaker 2: instead just be there. Absolutely, Like I was talking to
Speaker 2: a friend, this is so left or field. But I
Speaker 2: was talking to a friend about going to a first
Speaker 2: birthday and you all know I'm a new mom. I
Speaker 2: am very dad new mum. And I was like, oh,
Speaker 2: I really don't want to have to drive because it's
Speaker 2: like a two hour drive. It's a regional birthday party.
Speaker 2: And I'm like, oh, I really don't want to have
Speaker 2: to drive. And she's like, like she would so understand
Speaker 2: if you didn't go, Like it doesn't matter, and I
Speaker 2: was like no, because people remember not the gift you brought.
Speaker 2: They don't remember the thing you said or your excuse.
Speaker 2: They remember that you were the one that turned up.
Speaker 2: And I want to be remembered as that friend. So
Speaker 2: just being there is the thing that's going to be remembered,
Speaker 2: Not how much you spent or what dinner you had
Speaker 2: or the entree you ordered. No one's going to remember
Speaker 2: yeap Like, sometimes genuinely, I will ordered an entree because
Speaker 2: I'm a little garbage guts and I already ate heaps
Speaker 2: of food before I came out of the dinner with you.
Speaker 2: Beck like that might just be a choice because I'm
Speaker 2: not that hungry totally. Someone else said, I always choose
Speaker 2: to be the designated driver. I've fun with my friends
Speaker 2: regardless of whether I'm drinking or not. Love that. Make
Speaker 2: sure your friends are paying you for petrolcause, like deserted
Speaker 2: driver is no longer the cheap option. Someone else said,
Speaker 2: challenge your friends to a month of no spend or
Speaker 2: only doing activities at home. That way they get involved
Speaker 2: to and save some cash.
Speaker 4: True.
Speaker 2: Someone else said, remember your value and your wife stay
Speaker 2: alned girlfriend. Yeah. I think that's a perfect place to
Speaker 2: leave it, because so true. Like we are such a
Speaker 2: values driven community, and like, let's remember our values. Let's
Speaker 2: remember what drives us and have some hard conversations so
Speaker 2: that everyone's life can get easier. Perfectly perfectly said. All right, well,
Speaker 2: I hope you guys have a beautiful weekend. I hope
Speaker 2: that you enjoy money diaries on Monday. Until then, we
Speaker 2: will see you later. Bye, guys. Bye. The advice shared
Speaker 2: on She's on the Money is general in nature and
Speaker 2: does not consider your individual circumstances. She's on the Money
Speaker 2: exists purely for educational purposes and should not be relied
Speaker 2: upon to make an investment or financial decision. If you
Speaker 2: do choose to buy a financial product, read the pds
Speaker 2: TMD and obtain appropriate financial advice tailored towards your needs. Victoria,
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