1 00:00:00,200 --> 00:00:02,960 Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations 2 00:00:03,000 --> 00:00:08,600 Speaker 1: woman and I'm here to acknowledge country t glennyan Ganya, Niana, 3 00:00:08,680 --> 00:00:11,920 Speaker 1: Kaka yah Ya, bin Ahaka Nian Our gay In Nimbina, 4 00:00:11,960 --> 00:00:17,720 Speaker 1: yakarum Jar, Dominyama, Domaga Ithawakawaman, damon Imlan Bumba ban Gadabomba 5 00:00:17,800 --> 00:00:20,240 Speaker 1: in and now in wakah Ghana on yak rum Jar 6 00:00:20,680 --> 00:00:24,920 Speaker 1: water Nadaa. Hello, beautiful friends, we gather on the lands 7 00:00:24,960 --> 00:00:28,000 Speaker 1: of the Aboriginal people. We thank, acknowledge and respect the 8 00:00:28,040 --> 00:00:31,240 Speaker 1: Aboriginal people's land that we're gathering on today. Take pleasure 9 00:00:31,280 --> 00:00:33,680 Speaker 1: in all the land and respect all that you see. 10 00:00:34,600 --> 00:00:40,160 Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections, 11 00:00:40,960 --> 00:00:44,560 Speaker 1: bringing you the tools, knowledge and resources for you to thrive. 12 00:00:44,840 --> 00:01:08,120 Speaker 2: She's on the Money. She's on the Money. Hello and 13 00:01:08,200 --> 00:01:10,400 Speaker 2: welcome to She's on the Money, the podcast that knows. 14 00:01:10,440 --> 00:01:13,200 Speaker 2: Sometimes a spreadsheet isn't going to cut it. Sometimes you 15 00:01:13,280 --> 00:01:16,640 Speaker 2: need to put your money in the freezer, or cut 16 00:01:16,720 --> 00:01:19,520 Speaker 2: your credit card in half, something a little bit more unhinged. 17 00:01:19,680 --> 00:01:22,720 Speaker 2: I would say I'm becksited, and today Victoria is not 18 00:01:22,880 --> 00:01:27,640 Speaker 2: here because Victoria has something called financial qualifications, and honestly, 19 00:01:28,080 --> 00:01:30,720 Speaker 2: I mean that sounds awful. I'm so sorry my thoughts 20 00:01:30,840 --> 00:01:33,200 Speaker 2: are with her today. That just gets in the way 21 00:01:33,200 --> 00:01:36,360 Speaker 2: of the chaos where about to unleash, I would say, so, 22 00:01:36,440 --> 00:01:38,120 Speaker 2: I'm glad that she's not here with all of her 23 00:01:38,200 --> 00:01:43,479 Speaker 2: financial qualifications spreading her seed today. I actually have Jessica 24 00:01:43,560 --> 00:01:46,720 Speaker 2: Ricky with me and while Victoria's away, we're doing some 25 00:01:46,959 --> 00:01:50,400 Speaker 2: serious financial expert things. I've been left unsupervised and I've 26 00:01:50,440 --> 00:01:52,840 Speaker 2: gone behind her back in books this year and I 27 00:01:53,000 --> 00:01:56,880 Speaker 2: brought back up. Hello yescaiki, Hello, It's always the time 28 00:01:56,920 --> 00:01:58,520 Speaker 2: when we get to do an episode together. I know, 29 00:01:58,600 --> 00:02:02,440 Speaker 2: I'm so excited. We really couldn't say whatever we want. Yeah, 30 00:02:02,880 --> 00:02:04,840 Speaker 2: it doesn't have to be fact checked, doesn't have to 31 00:02:04,920 --> 00:02:08,560 Speaker 2: be true, any of those boring things. 32 00:02:10,000 --> 00:02:11,960 Speaker 3: But yeah, at the top, if you're hoping for serious 33 00:02:12,000 --> 00:02:14,359 Speaker 3: financial advice, perhaps today is not the episode for you. 34 00:02:14,840 --> 00:02:17,200 Speaker 2: Yes, yes, I completely agree. But if you are just 35 00:02:17,280 --> 00:02:20,240 Speaker 2: looking for something that is, I know, maybe like crazy 36 00:02:20,400 --> 00:02:23,679 Speaker 2: smart that you hadn't thought of before, this is the 37 00:02:23,760 --> 00:02:26,320 Speaker 2: episode for you. You know you're setting them up. We're 38 00:02:26,320 --> 00:02:30,200 Speaker 2: gonna blow your sucks off. We may wait, not blow 39 00:02:30,240 --> 00:02:32,880 Speaker 2: your socks off, so i'd be wearing some. You know 40 00:02:32,960 --> 00:02:37,280 Speaker 2: what's crazier, Jessy, is that it too yusy and we're working, 41 00:02:37,720 --> 00:02:41,120 Speaker 2: Oh my gosh, in the hard yard. I know it's 42 00:02:41,200 --> 00:02:42,880 Speaker 2: usually I think we should be getting day and a half. 43 00:02:42,880 --> 00:02:45,200 Speaker 2: Maybe that's tomorrow. I don't really know. Definitely not through 44 00:02:45,280 --> 00:02:49,000 Speaker 2: the power of pre recording. No, that's so true, because 45 00:02:49,040 --> 00:02:52,720 Speaker 2: it's not usy we are currently. I don't want to 46 00:02:52,760 --> 00:02:55,000 Speaker 2: know where we are right now. So luckily we pre 47 00:02:55,080 --> 00:02:57,520 Speaker 2: recorded this because we would I would say we're probably 48 00:02:57,600 --> 00:03:03,959 Speaker 2: not legible. Is that the right word in the wrong font. Yes, 49 00:03:05,160 --> 00:03:06,799 Speaker 2: I said the wrong word twice, But I hope that 50 00:03:06,840 --> 00:03:07,720 Speaker 2: everyone understands. 51 00:03:08,480 --> 00:03:08,600 Speaker 3: Well. 52 00:03:08,639 --> 00:03:11,840 Speaker 2: Happy New Year for all of those listening. Happy almost. 53 00:03:12,240 --> 00:03:14,679 Speaker 2: I feel like it's been such a crazy one. 54 00:03:14,919 --> 00:03:16,919 Speaker 3: I feel exactly how you sound, hung like, just like 55 00:03:17,000 --> 00:03:19,520 Speaker 3: my brain is scrambled and mounting out of my ears 56 00:03:19,520 --> 00:03:19,960 Speaker 3: a little bit. 57 00:03:20,120 --> 00:03:21,040 Speaker 2: So totally. 58 00:03:21,200 --> 00:03:22,919 Speaker 3: We thought it would be the perfect opportunity to do 59 00:03:23,000 --> 00:03:28,280 Speaker 3: a fun, lighthearted episode, not too heavy for anybody. And 60 00:03:28,400 --> 00:03:31,720 Speaker 3: I feel like the last Unhinged Hacks was so popular, 61 00:03:32,000 --> 00:03:32,880 Speaker 3: oh my god. 62 00:03:33,120 --> 00:03:35,720 Speaker 2: Which I totally get because some of these like it's 63 00:03:35,720 --> 00:03:39,920 Speaker 2: a lot easier to follow than doing a whole financial degree. 64 00:03:40,120 --> 00:03:42,800 Speaker 2: You know, it's like, hey, just but I don't know, 65 00:03:43,040 --> 00:03:45,400 Speaker 2: run over your own foot and you won't be able 66 00:03:45,440 --> 00:03:47,720 Speaker 2: to walk to the shop anymore. I love those kind 67 00:03:47,760 --> 00:03:51,600 Speaker 2: of things and they really do work. So stay tuned 68 00:03:52,360 --> 00:03:56,800 Speaker 2: more great tips like that. Okay, So, Jess, do you 69 00:03:56,800 --> 00:03:59,520 Speaker 2: feel ready to start? I feel ready to start. I'm excited. Okay, great, 70 00:03:59,560 --> 00:04:01,760 Speaker 2: because fully start. I want to know. Do you have 71 00:04:01,920 --> 00:04:04,440 Speaker 2: any unhinged hacks of your own? Oh, be honest, not 72 00:04:04,520 --> 00:04:06,280 Speaker 2: to sound like a stick in a mud, but a 73 00:04:06,360 --> 00:04:07,480 Speaker 2: stick in the mud. 74 00:04:07,960 --> 00:04:10,560 Speaker 3: I'm not a huge unhinged person, but I do have 75 00:04:10,760 --> 00:04:14,040 Speaker 3: one that I loved from the last episode, which was 76 00:04:14,160 --> 00:04:17,080 Speaker 3: where somebody said that every time they feel like shopping, 77 00:04:17,560 --> 00:04:19,360 Speaker 3: they turn their phone to grayscale. 78 00:04:19,720 --> 00:04:22,520 Speaker 2: Yeah, that's so clever. It was like you who said that. 79 00:04:22,760 --> 00:04:25,800 Speaker 2: I might have relayed it, but it was not my idea. 80 00:04:25,880 --> 00:04:27,000 Speaker 2: I think it's genius. 81 00:04:27,360 --> 00:04:29,720 Speaker 3: I think that's very clever because so it was making 82 00:04:29,760 --> 00:04:31,200 Speaker 3: me think a lot of my friends have kids. I 83 00:04:31,200 --> 00:04:33,520 Speaker 3: have nieces and nephews, And there's a lot of discussion 84 00:04:33,560 --> 00:04:37,600 Speaker 3: about how like modern day everything TV, but this definitely 85 00:04:37,640 --> 00:04:41,520 Speaker 3: flows into like advertising, social media, et cetera. Is so overstimulating, 86 00:04:42,160 --> 00:04:43,880 Speaker 3: and so it's like you turn the grayscale on and 87 00:04:43,960 --> 00:04:45,880 Speaker 3: all of a sudden, it's like you flip that switch 88 00:04:45,960 --> 00:04:47,520 Speaker 3: that gets your brain firing. 89 00:04:48,120 --> 00:04:50,159 Speaker 2: So I feel like you don't get that joy anymore. Yes, 90 00:04:50,440 --> 00:04:53,480 Speaker 2: I completely agree, And it also feels like a bit 91 00:04:53,600 --> 00:04:55,600 Speaker 2: old and timey. I was just gonna say, what is 92 00:04:55,640 --> 00:04:57,960 Speaker 2: this the fifteen hundred? Yeah, seriously, I'm like, I don't 93 00:04:57,960 --> 00:05:00,840 Speaker 2: want to iPhone seventeen from the fifteen h Thank you. 94 00:05:01,960 --> 00:05:03,640 Speaker 2: I was a big fan of that one. Yeah, I 95 00:05:03,720 --> 00:05:06,440 Speaker 2: really that's such a good idea. What's on your list 96 00:05:06,960 --> 00:05:09,679 Speaker 2: for me? This one comes from one of our community members. 97 00:05:09,800 --> 00:05:14,120 Speaker 2: Rachel says, I freeze spending for May and November. That's crazy. 98 00:05:14,560 --> 00:05:16,479 Speaker 2: I free spending for May and November. It's a game 99 00:05:16,520 --> 00:05:18,719 Speaker 2: within my family so we can be more money free 100 00:05:18,880 --> 00:05:22,760 Speaker 2: in the other ten months. That is pretty cause it 101 00:05:22,839 --> 00:05:27,680 Speaker 2: seems to random seven months. I think for May and November. 102 00:05:27,920 --> 00:05:29,520 Speaker 3: It's between May and November, and I was like, wow, 103 00:05:29,560 --> 00:05:31,640 Speaker 3: that's a long time, just two three big months. 104 00:05:31,680 --> 00:05:33,240 Speaker 2: That makes a lot more sense. Yeah, and I'm like, 105 00:05:33,320 --> 00:05:36,200 Speaker 2: I wonder where why wrote those random months? But the 106 00:05:36,279 --> 00:05:38,480 Speaker 2: intent is to limit as much spend as possible, so 107 00:05:38,560 --> 00:05:40,920 Speaker 2: we try to use pantry items as much as possible. 108 00:05:40,920 --> 00:05:43,800 Speaker 2: Oh wow, that includes like food, and I think it's 109 00:05:43,880 --> 00:05:47,560 Speaker 2: great walking public transport, et cetera rather than cars. It's 110 00:05:47,600 --> 00:05:49,600 Speaker 2: a bit of a fun challenge and interesting to see 111 00:05:49,839 --> 00:05:53,200 Speaker 2: how the conversations generate enthusiasm at the dinner table. We 112 00:05:53,279 --> 00:05:55,600 Speaker 2: have chosen May. Okay, this is what I wanted to know. 113 00:05:55,720 --> 00:05:58,480 Speaker 2: We have chosen May is the media holiday challenge in 114 00:05:58,600 --> 00:06:02,200 Speaker 2: June and November to help prep for December madness. Both 115 00:06:02,360 --> 00:06:06,160 Speaker 2: removing the adrenaline adaptations many of our savings mean that 116 00:06:06,240 --> 00:06:08,479 Speaker 2: our holidays are a bit more focused on memories as 117 00:06:08,520 --> 00:06:11,960 Speaker 2: we can spend a bit more. Okay, please, that makes 118 00:06:12,000 --> 00:06:12,640 Speaker 2: so much sense. 119 00:06:12,880 --> 00:06:14,760 Speaker 3: I love the idea of making it a gain that 120 00:06:14,839 --> 00:06:18,040 Speaker 3: everyone's participating, because sometimes it's sad when you're doing a 121 00:06:18,120 --> 00:06:20,040 Speaker 3: no bye by yourself and everyone's like, oh, want to 122 00:06:20,040 --> 00:06:21,320 Speaker 3: go out to dinner and you'll be like no, I 123 00:06:21,400 --> 00:06:23,840 Speaker 3: want to know, I know, I know. Maybe that's something 124 00:06:23,880 --> 00:06:25,200 Speaker 3: we can do for next year. We can make a 125 00:06:25,360 --> 00:06:27,000 Speaker 3: challenge for the community. I feel like that would be 126 00:06:27,000 --> 00:06:27,360 Speaker 3: really fun. 127 00:06:27,360 --> 00:06:28,920 Speaker 2: Oh my god, that would be so fun, and it 128 00:06:29,000 --> 00:06:31,560 Speaker 2: would be like you come together. It's like going on 129 00:06:31,640 --> 00:06:33,640 Speaker 2: a little solo adventure and then coming together and talking 130 00:06:33,680 --> 00:06:35,560 Speaker 2: about how it's going. It's like that is so fun. 131 00:06:35,680 --> 00:06:37,880 Speaker 2: That really does generate some conversations. Well, I went away 132 00:06:37,920 --> 00:06:40,760 Speaker 2: for twenty twenty six. Yes, absolutely. Do you have any 133 00:06:41,200 --> 00:06:42,440 Speaker 2: unhinsacks you'd like to share? 134 00:06:42,680 --> 00:06:44,719 Speaker 3: Yeah, we pulled some really good ones from the community. 135 00:06:44,800 --> 00:06:46,960 Speaker 3: So my one that I've got here is from Luke 136 00:06:47,000 --> 00:06:48,880 Speaker 3: who said we used to do a thing when saving 137 00:06:48,920 --> 00:06:49,719 Speaker 3: for our house deposit. 138 00:06:49,880 --> 00:06:52,000 Speaker 2: We called it could have but didn't. Okay. 139 00:06:52,440 --> 00:06:54,040 Speaker 3: We would be like, hey, want to go to the 140 00:06:54,120 --> 00:06:58,520 Speaker 3: movies tonight? Sure, or we could do could have but didn't, 141 00:06:59,040 --> 00:07:01,560 Speaker 3: So we'd go rent and make popcorn at home and 142 00:07:01,640 --> 00:07:03,640 Speaker 3: even grab a bottle of wine, and then transfer the 143 00:07:03,680 --> 00:07:06,120 Speaker 3: difference between what we could have done, in this case 144 00:07:06,200 --> 00:07:09,159 Speaker 3: going to the movies and what we actually did. Sometimes 145 00:07:09,200 --> 00:07:11,920 Speaker 3: we'd even just mention doing an extravagant thing for fund 146 00:07:11,960 --> 00:07:14,600 Speaker 3: so we could transfer more money to savings. We also 147 00:07:14,720 --> 00:07:16,600 Speaker 3: put a block on our savings account so that money 148 00:07:16,640 --> 00:07:18,920 Speaker 3: could go in, but we couldn't transfer it back out 149 00:07:19,080 --> 00:07:23,080 Speaker 3: until we were ready. I love a catchphrase. Have a 150 00:07:23,160 --> 00:07:25,040 Speaker 3: catch phrase, Yes, and that's gonna stick. 151 00:07:25,200 --> 00:07:28,200 Speaker 2: That is gonna stick. You say I'm not going to 152 00:07:28,240 --> 00:07:31,240 Speaker 2: do X y Z. You need a catchphrase. Otherwise, sometimes 153 00:07:31,280 --> 00:07:34,200 Speaker 2: it's just like it's also easy to remember. Yeah that's clever. 154 00:07:34,360 --> 00:07:36,320 Speaker 2: I really really like that. And another way to make 155 00:07:36,360 --> 00:07:38,680 Speaker 2: it fun, make it enjoy it. You're going to make 156 00:07:38,680 --> 00:07:41,760 Speaker 2: it a game. Otherwise it's like where's the color? You know? 157 00:07:42,400 --> 00:07:42,800 Speaker 3: I love it? 158 00:07:43,320 --> 00:07:45,680 Speaker 2: So the next one comes from Cam, who says, get 159 00:07:45,680 --> 00:07:48,520 Speaker 2: yourself a partner who's equally, if not more stingy than 160 00:07:48,560 --> 00:07:50,520 Speaker 2: you are when it comes to money. My partner is 161 00:07:50,520 --> 00:07:52,880 Speaker 2: proud to say he will wear his cheap came up 162 00:07:52,960 --> 00:07:55,640 Speaker 2: undies regardless of holes and ribs. I'm exactly the same 163 00:07:56,000 --> 00:07:58,120 Speaker 2: and loves to shop. It really rubs off on you 164 00:07:58,360 --> 00:08:00,560 Speaker 2: and you end up finding cost effective way to enjoy 165 00:08:00,600 --> 00:08:04,760 Speaker 2: your time together. Example walks, camping, trips, et cetera, which 166 00:08:04,760 --> 00:08:07,280 Speaker 2: has literally saved us enough money that we could technically 167 00:08:07,440 --> 00:08:10,600 Speaker 2: not work for three years and still pay our bills 168 00:08:10,920 --> 00:08:15,000 Speaker 2: and mortgage comfortably. What how much some much money is you? 169 00:08:15,320 --> 00:08:16,680 Speaker 2: It's hundreds of thousands of dollars? 170 00:08:16,760 --> 00:08:18,680 Speaker 3: Would that's very impressive. I don't know if I'm pro 171 00:08:19,120 --> 00:08:21,680 Speaker 3: holes in the undies. I don't like a light breeze, 172 00:08:21,960 --> 00:08:24,960 Speaker 3: but you know, I think that if you're you and 173 00:08:25,000 --> 00:08:26,960 Speaker 3: your partner have to be on the same package. Because again, 174 00:08:27,000 --> 00:08:28,920 Speaker 3: like back, I think there's nothing worse than you being like, oh, 175 00:08:28,960 --> 00:08:30,280 Speaker 3: I want to save money, I want to do this thing, 176 00:08:30,320 --> 00:08:31,200 Speaker 3: and your partner being like. 177 00:08:31,640 --> 00:08:35,280 Speaker 2: Let's go out, let's blow the bucheto do whatever you want. Yes, 178 00:08:35,640 --> 00:08:38,839 Speaker 2: that sounds exactly like me and everyone I've ever met. 179 00:08:40,640 --> 00:08:42,280 Speaker 3: There are a lot of people on the thread that 180 00:08:42,360 --> 00:08:43,760 Speaker 3: we put in the Facebook group too. Not in the 181 00:08:43,760 --> 00:08:45,719 Speaker 3: Facebook group. Definitely go join it because that's where we 182 00:08:45,760 --> 00:08:47,599 Speaker 3: pull all these fun things from. But there are a 183 00:08:47,640 --> 00:08:49,560 Speaker 3: lot of people making jokes about, you know, not leaving 184 00:08:49,600 --> 00:08:52,559 Speaker 3: the house to not spend money. But Charlotte actually took 185 00:08:52,600 --> 00:08:55,600 Speaker 3: it a step further and she does a fake lockdown. 186 00:08:56,080 --> 00:08:58,079 Speaker 3: She said, when we're in a tight spot, I pretend 187 00:08:58,240 --> 00:08:59,120 Speaker 3: I'm on lockdown. 188 00:08:59,320 --> 00:08:59,520 Speaker 2: I e. 189 00:08:59,679 --> 00:09:01,800 Speaker 3: We can't go anywhere or do anything other than work. 190 00:09:02,080 --> 00:09:04,439 Speaker 3: I just stay home, clean my house, walk around the 191 00:09:04,440 --> 00:09:06,000 Speaker 3: neighborhood for an hour and that's it. 192 00:09:06,400 --> 00:09:07,720 Speaker 2: Oh that's so clever. 193 00:09:08,160 --> 00:09:10,720 Speaker 3: I fear that that may bring up trauma responses from 194 00:09:10,760 --> 00:09:14,440 Speaker 3: some Victorians, cause, yeah, take us back into a different lockdown. 195 00:09:14,600 --> 00:09:18,520 Speaker 2: But that's true. The joke about leaving. 196 00:09:18,320 --> 00:09:20,160 Speaker 3: The house and spending two hundred dollars by the time 197 00:09:20,200 --> 00:09:22,360 Speaker 3: you blink is not a joke, No, I fear. 198 00:09:22,440 --> 00:09:27,000 Speaker 2: I totally agree something about being left to your own devices. 199 00:09:27,200 --> 00:09:28,679 Speaker 3: I don't know what it is, Like, I'm quite good 200 00:09:28,720 --> 00:09:32,240 Speaker 3: with money, but there's something it's so temging. I honestly, 201 00:09:32,320 --> 00:09:35,520 Speaker 3: the thought has crossed my mind before, Oh should I 202 00:09:35,559 --> 00:09:36,959 Speaker 3: go to the like should I just go for a 203 00:09:37,000 --> 00:09:39,320 Speaker 3: wander around or goat groceries? No, I'm going to stay 204 00:09:39,360 --> 00:09:41,080 Speaker 3: home so that I don't spend money. 205 00:09:41,360 --> 00:09:44,800 Speaker 2: Yes, And I think even when you're going to buy 206 00:09:45,520 --> 00:09:48,679 Speaker 2: groceries and you do an online wiolword's order and then 207 00:09:48,720 --> 00:09:51,199 Speaker 2: you can like you see the total before you get 208 00:09:51,200 --> 00:09:53,120 Speaker 2: to check out, because once you're here to check out. Sorry, 209 00:09:53,160 --> 00:09:55,199 Speaker 2: but it's just way too awkward to be like, I've 210 00:09:55,240 --> 00:09:57,880 Speaker 2: got to I can't spend this much money. Yeah, so 211 00:09:57,960 --> 00:09:59,760 Speaker 2: you're like, you're buying it online, you're looking at it, 212 00:09:59,800 --> 00:10:02,240 Speaker 2: you're in the comfort of your homes, not awkward, and 213 00:10:02,400 --> 00:10:04,120 Speaker 2: then you just take things out of your car because 214 00:10:04,120 --> 00:10:05,679 Speaker 2: you're like, oh, actually I don't need that. And then 215 00:10:05,720 --> 00:10:09,480 Speaker 2: you're also not tempted by impulse purchases bass bars. I 216 00:10:09,520 --> 00:10:11,240 Speaker 2: don't know what it is with me lately, but I 217 00:10:11,320 --> 00:10:14,400 Speaker 2: have a kick catchunk of your day, and on leave 218 00:10:14,400 --> 00:10:16,760 Speaker 2: the house. I probably won't be doing that, so everything 219 00:10:16,800 --> 00:10:18,800 Speaker 2: adds up. Everything adds up. I think this is great. 220 00:10:18,880 --> 00:10:20,920 Speaker 2: I do need to do a fake lockdown on myself. 221 00:10:21,400 --> 00:10:24,200 Speaker 2: So this next one comes from Tory, who says I'm 222 00:10:24,240 --> 00:10:26,679 Speaker 2: not and don't want to be a trad wife good, 223 00:10:27,000 --> 00:10:29,520 Speaker 2: but I follow tradwife don't send type content on social 224 00:10:29,559 --> 00:10:32,120 Speaker 2: media so I can learn all their hacks. That's actually 225 00:10:32,120 --> 00:10:35,240 Speaker 2: pretty clever. I'm not out there farming and being completely 226 00:10:35,280 --> 00:10:37,760 Speaker 2: self sufficient, but I know how to make almost everything 227 00:10:37,800 --> 00:10:41,440 Speaker 2: from scratch, and it's so ridiculously cheap and not as 228 00:10:41,520 --> 00:10:43,360 Speaker 2: time consuming as I thought it would be. And I've 229 00:10:43,440 --> 00:10:46,640 Speaker 2: learned how to have almost zero waste because almost everything 230 00:10:46,720 --> 00:10:49,000 Speaker 2: can be turned into something useful. That is so cool. 231 00:10:49,400 --> 00:10:52,040 Speaker 3: I'm always impressed when one of those tradwif videos comes 232 00:10:52,120 --> 00:10:55,319 Speaker 3: up on my Yeah, like, you know, I'm making my 233 00:10:55,400 --> 00:10:59,839 Speaker 3: own butter or I'm doing whatever I aspire to be 234 00:10:59,880 --> 00:11:00,439 Speaker 3: that person. 235 00:11:00,679 --> 00:11:03,800 Speaker 2: I don't know there, Yes, but she's right. 236 00:11:03,840 --> 00:11:09,160 Speaker 3: You can totally make almost anything, really totally quality, much 237 00:11:09,600 --> 00:11:11,200 Speaker 3: healthier for you a lot of the time for anything 238 00:11:11,240 --> 00:11:13,120 Speaker 3: that SPoD related. A lot of cleaning products too, like 239 00:11:13,160 --> 00:11:16,600 Speaker 3: I see a lot of people dry cleaning stuff totally. 240 00:11:16,280 --> 00:11:19,120 Speaker 2: And it is really really cheap. It's also great for 241 00:11:19,200 --> 00:11:21,599 Speaker 2: the environments, as Tory says, like you know, having that 242 00:11:21,760 --> 00:11:23,920 Speaker 2: no waste kind of approach as well. We got a 243 00:11:24,000 --> 00:11:28,440 Speaker 2: lot to learn from tradwives, and not just the an 244 00:11:28,559 --> 00:11:33,520 Speaker 2: inequal mental and physical and emotional labor. But I think 245 00:11:33,760 --> 00:11:36,560 Speaker 2: we I do want to get into like butter churning. 246 00:11:36,720 --> 00:11:41,679 Speaker 2: You know, I could see you change. Oh my god, 247 00:11:41,720 --> 00:11:43,480 Speaker 2: I can see that for myself too. I just I 248 00:11:43,520 --> 00:11:45,920 Speaker 2: think you do need one of those dress dresses. 249 00:11:45,760 --> 00:11:47,839 Speaker 3: And say, oh you can fight against the stereotype and 250 00:11:47,880 --> 00:11:48,679 Speaker 3: do it in your sweats. 251 00:11:48,880 --> 00:11:50,319 Speaker 2: Oh my god. True, I could do it in the 252 00:11:50,360 --> 00:11:54,800 Speaker 2: most like masculine dikey outfit I can find and churning 253 00:11:54,800 --> 00:11:59,600 Speaker 2: but eye. And then I think it's no longer trad wife. 254 00:11:59,600 --> 00:12:01,960 Speaker 2: It's like it's like first trap, it has given, trading, 255 00:12:02,200 --> 00:12:06,360 Speaker 2: It's it's given. Oh my god, Okay, let me get 256 00:12:06,360 --> 00:12:07,240 Speaker 2: into this. Thank you, Tory. 257 00:12:07,480 --> 00:12:09,559 Speaker 3: The next I've got one from Chloe who said, if 258 00:12:09,640 --> 00:12:12,079 Speaker 3: I want something or if I have something extra come 259 00:12:12,160 --> 00:12:14,839 Speaker 3: up and I need to use additional money instead of 260 00:12:14,960 --> 00:12:17,480 Speaker 3: using anything from my savings, I do a door dash 261 00:12:17,679 --> 00:12:20,280 Speaker 3: and make myself work for the extra money. So it 262 00:12:20,360 --> 00:12:22,520 Speaker 3: feels like I didn't actually spend the money on it 263 00:12:22,600 --> 00:12:25,600 Speaker 3: because girl math. But it keeps my savings building without 264 00:12:25,760 --> 00:12:26,160 Speaker 3: touching it. 265 00:12:26,880 --> 00:12:29,240 Speaker 2: Yeah, okay, I love this idea. 266 00:12:29,520 --> 00:12:32,240 Speaker 3: I'm all for this idea because I think I've said 267 00:12:32,280 --> 00:12:35,040 Speaker 3: before my finance hot take is you are not entitled 268 00:12:35,120 --> 00:12:38,360 Speaker 3: to anything outside of your needs. You don't have to 269 00:12:38,520 --> 00:12:42,280 Speaker 3: have a new outfit or a new book or like 270 00:12:42,400 --> 00:12:45,000 Speaker 3: you You're not entitled to it. If you want it 271 00:12:45,080 --> 00:12:47,560 Speaker 3: that it's so fine, and you budget in. But if 272 00:12:47,600 --> 00:12:49,319 Speaker 3: it's not in your budget and you still want it, 273 00:12:50,200 --> 00:12:53,120 Speaker 3: work for it. Pick up a little extra DoorDash or 274 00:12:53,240 --> 00:12:55,480 Speaker 3: uber eats, drive get the cash, and then you can 275 00:12:55,559 --> 00:12:55,760 Speaker 3: have it. 276 00:12:56,000 --> 00:12:58,120 Speaker 2: Like, that's so fine. You're allowed to work hard for things. 277 00:12:58,400 --> 00:13:01,480 Speaker 2: I agree. I think I think we because I know 278 00:13:01,640 --> 00:13:04,520 Speaker 2: that that's your take on that thing. To disagree though, 279 00:13:04,679 --> 00:13:08,679 Speaker 2: but I it's only because I cannot say no to myself, 280 00:13:08,720 --> 00:13:11,959 Speaker 2: and so I'm like, I if I want something and 281 00:13:12,200 --> 00:13:14,120 Speaker 2: I don't want to, we'll be getting it, and I'll 282 00:13:14,120 --> 00:13:18,920 Speaker 2: be getting it. I'm gonna work hard for rent and 283 00:13:19,000 --> 00:13:22,439 Speaker 2: I'm gonna work hard for utilities, but I'm gonna not 284 00:13:22,600 --> 00:13:25,720 Speaker 2: work hard. For luxuries, and that doesn't work for all. 285 00:13:25,800 --> 00:13:29,000 Speaker 2: In fact, probably most people that doesn't work for But anyway, Okay, 286 00:13:29,280 --> 00:13:30,800 Speaker 2: I think we should take a really quick break. What 287 00:13:30,840 --> 00:13:33,240 Speaker 2: do you reckon? I think so too. There's more unhindtaxles. 288 00:13:33,240 --> 00:13:35,000 Speaker 2: Go have a dig for them. Yeah, and we'll come 289 00:13:35,040 --> 00:13:40,640 Speaker 2: back right on the other side of this. Okay, guys, 290 00:13:40,720 --> 00:13:42,320 Speaker 2: we are back and we're about to unleash even more 291 00:13:42,360 --> 00:13:44,600 Speaker 2: chaotic saving tips. Jess, what do you have next? 292 00:13:44,800 --> 00:13:48,199 Speaker 3: This one's from Shari, who said my unhinged strategy is 293 00:13:48,440 --> 00:13:52,400 Speaker 3: I literally learned Python coding so I could turn a 294 00:13:52,520 --> 00:13:56,760 Speaker 3: notion page into the ultimate savings tracker with achievements, et cetera. 295 00:13:56,960 --> 00:13:59,440 Speaker 3: So it felt like my bank account was a video game. 296 00:14:00,080 --> 00:14:00,320 Speaker 2: Clever. 297 00:14:00,360 --> 00:14:01,520 Speaker 3: I mean to be honest, I don't know half the 298 00:14:01,559 --> 00:14:04,760 Speaker 3: words that I just said. No, suddenly sounds very impressive. 299 00:14:06,200 --> 00:14:09,040 Speaker 3: Is she gamified her savings? 300 00:14:10,080 --> 00:14:13,960 Speaker 2: Very fad? So, Shari, if you're listening, can you send 301 00:14:14,080 --> 00:14:17,640 Speaker 2: us this because the public thing that we can share? Yeah, 302 00:14:17,840 --> 00:14:19,840 Speaker 2: is this something we can use? I feel like I 303 00:14:19,920 --> 00:14:22,560 Speaker 2: want to. I want to do this anything in the world. 304 00:14:22,560 --> 00:14:24,040 Speaker 2: If you turn into a video game, I feel like 305 00:14:24,400 --> 00:14:26,960 Speaker 2: it could be really really fun. What a great idea, Shari, 306 00:14:27,000 --> 00:14:29,040 Speaker 2: I think you're sitting on like a million dollar idea. 307 00:14:29,160 --> 00:14:32,200 Speaker 2: By the way, this sounds great. Yeah, anything coding. I'm like, 308 00:14:32,560 --> 00:14:35,920 Speaker 2: I don't understand, but I really really respect it. So 309 00:14:36,720 --> 00:14:39,480 Speaker 2: this exon one comes from Lucy who says, oh, this 310 00:14:39,960 --> 00:14:44,120 Speaker 2: this actually does rings some bells you've told before scripts 311 00:14:44,160 --> 00:14:47,840 Speaker 2: and toilet rolls. It can't be easily rolled and therefore 312 00:14:48,360 --> 00:14:51,480 Speaker 2: less easy to use because you are like, you know, 313 00:14:51,520 --> 00:14:53,040 Speaker 2: you're trying to pull the things. Sometimes you just do 314 00:14:53,160 --> 00:14:56,320 Speaker 2: a little pull and like this thing is a roll 315 00:14:56,400 --> 00:14:58,800 Speaker 2: and roll and rolling. You're getting so much toilet roll, 316 00:14:59,040 --> 00:15:01,040 Speaker 2: but if you squeeze, then it's like you got to 317 00:15:01,120 --> 00:15:03,400 Speaker 2: really put in the work and maybe you're only getting 318 00:15:03,440 --> 00:15:04,320 Speaker 2: four squares out of it. 319 00:15:04,440 --> 00:15:07,080 Speaker 3: You know, it's something you're not conscious of, because I'd 320 00:15:07,160 --> 00:15:09,760 Speaker 3: never given it a second thought until whenever it was 321 00:15:09,880 --> 00:15:11,560 Speaker 3: that you gave this as a broke tip. 322 00:15:11,880 --> 00:15:12,240 Speaker 2: I reckon. 323 00:15:12,320 --> 00:15:14,880 Speaker 3: It's over a year ago, maybe two years ago now, yeah, 324 00:15:15,040 --> 00:15:16,800 Speaker 3: and ever since then, I'm so aware of it. And 325 00:15:16,840 --> 00:15:19,560 Speaker 3: I was like, wow, I really was like plowing through 326 00:15:19,640 --> 00:15:22,800 Speaker 3: it before I was aware, and now I'm like conscious, 327 00:15:23,000 --> 00:15:25,040 Speaker 3: I don't always squeeze the role because it looks ugly 328 00:15:25,160 --> 00:15:26,800 Speaker 3: but I just like, it's always in the back of 329 00:15:26,840 --> 00:15:29,360 Speaker 3: my mind. I always think about it. How many squares 330 00:15:29,400 --> 00:15:31,480 Speaker 3: are I pulling out? Whatever, It's such a good idea. 331 00:15:32,000 --> 00:15:36,040 Speaker 3: Thank you, Lucy, You've really changed our lives. Next, I've 332 00:15:36,040 --> 00:15:38,560 Speaker 3: got a hack from Laura, who said, my partner and 333 00:15:38,560 --> 00:15:41,840 Speaker 3: I will settle debates with a dart board. We both 334 00:15:41,960 --> 00:15:44,320 Speaker 3: transfer to savings the amount of points we land on, 335 00:15:44,440 --> 00:15:47,160 Speaker 3: and whoever is the highest wins the debate and the 336 00:15:47,200 --> 00:15:50,480 Speaker 3: long term benefits of saving more. Oh god, I would 337 00:15:50,520 --> 00:15:52,680 Speaker 3: be making no money because me and a dartboard are 338 00:15:52,720 --> 00:15:53,160 Speaker 3: not friends. 339 00:15:53,400 --> 00:15:57,520 Speaker 2: No, absolutely, And what if you're like the debate. Here's 340 00:15:57,600 --> 00:15:59,560 Speaker 2: the thing about the debate. I'm like, what if one 341 00:15:59,600 --> 00:16:02,400 Speaker 2: of you is absolutely in the wrong objectively And I 342 00:16:02,520 --> 00:16:04,520 Speaker 2: know there's no objective truth, but what if you want 343 00:16:04,560 --> 00:16:06,600 Speaker 2: to do is absolutely the wrong one? And then you 344 00:16:07,040 --> 00:16:08,760 Speaker 2: just get the highest score on the dark board and 345 00:16:08,760 --> 00:16:11,720 Speaker 2: you're like, well, I win, and that means that. So 346 00:16:11,920 --> 00:16:14,600 Speaker 2: I'm trying to think of something factual, fact flat. Yeah 347 00:16:15,000 --> 00:16:17,600 Speaker 2: it is flat, and that's true. We have to believe 348 00:16:17,640 --> 00:16:21,040 Speaker 2: that now, Sorry, but I respect it. I think that's great. 349 00:16:21,440 --> 00:16:24,360 Speaker 2: And yes, I guess the biggest win of them all 350 00:16:24,520 --> 00:16:27,600 Speaker 2: is how much money we save at the end of 351 00:16:27,640 --> 00:16:27,960 Speaker 2: the day. 352 00:16:28,480 --> 00:16:30,600 Speaker 3: And maybe it's a way to avoid an argument too. Yeah, 353 00:16:31,400 --> 00:16:33,360 Speaker 3: when you both get real stuck in and you're like, well, 354 00:16:33,400 --> 00:16:35,760 Speaker 3: I'm right, but I'm right. I know sometimes you just 355 00:16:35,840 --> 00:16:37,040 Speaker 3: need a way to referee it out. 356 00:16:37,280 --> 00:16:39,280 Speaker 2: God, I think that would make it worse me I 357 00:16:40,120 --> 00:16:43,040 Speaker 2: but anyway, I see it works for you. Fantastic. Okay. 358 00:16:43,080 --> 00:16:46,400 Speaker 2: The next one comes from Rubina. I pretend I'm my 359 00:16:46,560 --> 00:16:49,520 Speaker 2: great grandma during the Great Depression and find a way 360 00:16:49,560 --> 00:16:52,680 Speaker 2: to fix, reuse, or go without my great Depression. Name 361 00:16:52,800 --> 00:16:54,880 Speaker 2: is Mary Beautiful. 362 00:16:55,320 --> 00:16:58,000 Speaker 3: This is what we mean when we say onion tap. Yeah, 363 00:16:58,560 --> 00:17:05,760 Speaker 3: I mean it's out here doing a full outfits, Like, how. 364 00:17:05,680 --> 00:17:08,960 Speaker 2: Does this go to? Really the lengths we go to 365 00:17:09,119 --> 00:17:10,399 Speaker 2: to save save a buck? 366 00:17:10,600 --> 00:17:10,760 Speaker 3: You know? 367 00:17:11,840 --> 00:17:12,200 Speaker 1: But I do. 368 00:17:12,880 --> 00:17:15,960 Speaker 2: I completely am on board with making it a game 369 00:17:16,240 --> 00:17:19,440 Speaker 2: and making it a role play, a cosplay of some kind. 370 00:17:19,480 --> 00:17:21,600 Speaker 2: I love a role play. I love it. You gotta 371 00:17:21,600 --> 00:17:22,680 Speaker 2: find a way to make it fun. 372 00:17:22,800 --> 00:17:25,920 Speaker 3: I really do, well, Mary, I really do hope we 373 00:17:26,000 --> 00:17:28,080 Speaker 3: meet you one day. Send us a photo, let us know. 374 00:17:28,119 --> 00:17:29,440 Speaker 3: If there's an outfit, I've got to see it. 375 00:17:29,880 --> 00:17:30,080 Speaker 4: Yeah. 376 00:17:30,280 --> 00:17:32,399 Speaker 2: Actually I've got one from Rick and. 377 00:17:32,520 --> 00:17:37,480 Speaker 3: He really is treading into unhinged, morally questionable waters. Okay, 378 00:17:37,680 --> 00:17:40,240 Speaker 3: but I'm just repeating what it was said. He says, 379 00:17:40,320 --> 00:17:44,040 Speaker 3: if something breaks or stops working, I buy an identical 380 00:17:44,119 --> 00:17:46,880 Speaker 3: one and use that receipt to return the broken one. 381 00:17:47,000 --> 00:17:50,680 Speaker 2: Fair enough, And unless it's like a small business, like 382 00:17:50,760 --> 00:17:54,400 Speaker 2: if family run business, I'm on board. I'm on board. 383 00:17:54,600 --> 00:17:56,800 Speaker 2: If it's KMA or something, go for it. I think 384 00:17:56,840 --> 00:17:57,840 Speaker 2: it's so clever. 385 00:17:58,080 --> 00:18:00,680 Speaker 3: And reminder, if you're seeing breaks in like less twelve months, 386 00:18:00,760 --> 00:18:04,000 Speaker 3: that's covered by consumer warranty, less than two years even. 387 00:18:04,040 --> 00:18:06,679 Speaker 2: Yeah, totally. God, it's annoying though, isn't as long as 388 00:18:06,720 --> 00:18:08,440 Speaker 2: you need to take the whole thing in you don't 389 00:18:08,480 --> 00:18:11,960 Speaker 2: have the box anymore. But Rick, I'm right, I think 390 00:18:12,720 --> 00:18:15,159 Speaker 2: just taking notes. I'm taking this one. I'm gonna take it. 391 00:18:15,200 --> 00:18:17,119 Speaker 2: I'm gonna use it. Rick, if you're listening, can you 392 00:18:17,160 --> 00:18:18,720 Speaker 2: let us know if it's ever like backfight on you, 393 00:18:18,800 --> 00:18:21,200 Speaker 2: if they've ever been like, hey, this doesn't look like 394 00:18:21,280 --> 00:18:24,320 Speaker 2: you just bought it, you know what I mean? Maybe 395 00:18:24,400 --> 00:18:27,920 Speaker 2: he isn't listening because he's arrested sending this in from jail. 396 00:18:28,200 --> 00:18:33,399 Speaker 2: Maybe I'll see you in there actually, because I'm going 397 00:18:33,440 --> 00:18:36,760 Speaker 2: to start doing this This section one comes from Georgie, 398 00:18:37,240 --> 00:18:39,280 Speaker 2: who says, I structure my money with a small amount 399 00:18:39,280 --> 00:18:42,080 Speaker 2: of my transaction account money for living in a linked 400 00:18:42,320 --> 00:18:47,200 Speaker 2: savings account attached, and all actual savings in a different bank. 401 00:18:47,600 --> 00:18:50,480 Speaker 2: Sometimes I sneak attack myself and just take all of 402 00:18:50,560 --> 00:18:54,320 Speaker 2: the money from the money for Living account, transfer it 403 00:18:54,400 --> 00:18:56,639 Speaker 2: to the different bank, and just make it work for 404 00:18:56,680 --> 00:19:00,520 Speaker 2: a week. Okay, I get that. I I kind of 405 00:19:00,560 --> 00:19:03,119 Speaker 2: like that. So this is what I'm thinking because I 406 00:19:03,280 --> 00:19:05,080 Speaker 2: explained it to me, because my brain's struggling to follow. 407 00:19:05,440 --> 00:19:08,120 Speaker 2: So what I'm gathering from this, because I'm exactly the same, 408 00:19:08,520 --> 00:19:10,280 Speaker 2: is that I have in real life. I have a 409 00:19:10,359 --> 00:19:13,640 Speaker 2: savings account that I put money into. Often I lock 410 00:19:13,720 --> 00:19:16,480 Speaker 2: it and it's the thing goes to my friend. Every 411 00:19:17,520 --> 00:19:20,640 Speaker 2: three days, I'll have to unlock it and say hello, 412 00:19:20,720 --> 00:19:22,960 Speaker 2: make sweet angel me again and just unlock it for me, 413 00:19:23,000 --> 00:19:25,320 Speaker 2: and four dollars in there, so it's in my savings 414 00:19:25,680 --> 00:19:29,680 Speaker 2: and then my actual spending. And then and then I 415 00:19:29,760 --> 00:19:32,399 Speaker 2: assume what's happening here is that like that savings account 416 00:19:32,520 --> 00:19:34,720 Speaker 2: is not the real savings account. It is like the 417 00:19:34,760 --> 00:19:38,119 Speaker 2: fake one. To trick herself into thinking like I've got 418 00:19:38,200 --> 00:19:41,560 Speaker 2: to dip into my savings switch exactly and then but 419 00:19:41,680 --> 00:19:46,480 Speaker 2: there's actual savings in a completely different bank that she 420 00:19:46,600 --> 00:19:49,520 Speaker 2: can't touch, can't access, and so sometimes she puts all 421 00:19:49,600 --> 00:19:51,680 Speaker 2: that money in there and she's like, well, I don't 422 00:19:51,720 --> 00:19:54,160 Speaker 2: have any money for the week because that money doesn't 423 00:19:54,200 --> 00:19:57,040 Speaker 2: exist outside of mind. That's the vibe I get, Georgie. 424 00:19:57,040 --> 00:19:59,000 Speaker 2: If you're listening and you're like, that is not at 425 00:19:59,040 --> 00:20:02,359 Speaker 2: all what I meant, then let us know, because the 426 00:20:02,920 --> 00:20:06,359 Speaker 2: version that I took is great. But maybe it's like, 427 00:20:06,840 --> 00:20:10,280 Speaker 2: can you trick yourself? Does that? Like, is that a thing? 428 00:20:10,480 --> 00:20:12,199 Speaker 2: I have tried it? Yeah, I have three different man 429 00:20:12,200 --> 00:20:14,560 Speaker 2: accounts now from trying to trick myself and putting money 430 00:20:14,560 --> 00:20:15,879 Speaker 2: in a differ account. It has not worked for me. 431 00:20:15,920 --> 00:20:18,840 Speaker 2: It's f yeah, because I always access it. But I 432 00:20:18,920 --> 00:20:22,480 Speaker 2: think if it's so far removed that you don't actually 433 00:20:22,600 --> 00:20:26,040 Speaker 2: know how to get in there, you know, sometimes you 434 00:20:26,119 --> 00:20:28,159 Speaker 2: just got to demystify something once you like, you know, 435 00:20:28,200 --> 00:20:30,200 Speaker 2: I own how to access this account, I own know 436 00:20:30,240 --> 00:20:32,880 Speaker 2: how to withdraw money from that account. Once it's demystified 437 00:20:32,960 --> 00:20:34,879 Speaker 2: and you've figured out how to do it, there is 438 00:20:35,000 --> 00:20:38,320 Speaker 2: nothing stopping you ever again from accessing that money. So 439 00:20:39,440 --> 00:20:41,639 Speaker 2: it's it's it's just trying to get it so far 440 00:20:41,680 --> 00:20:43,200 Speaker 2: away from you that you've got to find a sweet 441 00:20:43,200 --> 00:20:45,720 Speaker 2: spot for your brain. And yeah, yeah, I think so 442 00:20:46,160 --> 00:20:46,800 Speaker 2: that makes sense. 443 00:20:47,359 --> 00:20:49,200 Speaker 3: I've got to have from Katie, and I will say 444 00:20:49,520 --> 00:20:51,919 Speaker 3: I've got thoughts almost familiar side. Okay, She says, if 445 00:20:51,960 --> 00:20:53,520 Speaker 3: you add something to your basket in deep Up and 446 00:20:53,600 --> 00:20:56,000 Speaker 3: you don't buy it, usually the person selling it will 447 00:20:56,000 --> 00:20:58,320 Speaker 3: send you an offer, which to me says they are 448 00:20:58,359 --> 00:21:00,680 Speaker 3: having trouble selling it. So I always counter with a 449 00:21:00,800 --> 00:21:04,879 Speaker 3: lower price, and I've never not been accepted. Okay, I 450 00:21:05,000 --> 00:21:07,920 Speaker 3: will say yes to the first part, Like as someone 451 00:21:07,960 --> 00:21:10,360 Speaker 3: who sells a lot of stuff on deepop, if someone 452 00:21:10,440 --> 00:21:13,000 Speaker 3: has something in their cart, if it's if I've only 453 00:21:13,119 --> 00:21:15,240 Speaker 3: just put it up, I won't discount it, like it'll 454 00:21:15,320 --> 00:21:17,440 Speaker 3: usually only be for things that I've had listed for 455 00:21:18,000 --> 00:21:20,240 Speaker 3: a couple of months or whatever. But if someone adds 456 00:21:20,240 --> 00:21:21,840 Speaker 3: it to their cart, I will usually send them a 457 00:21:21,840 --> 00:21:24,240 Speaker 3: little discount and be like, buy it today and it's yours. 458 00:21:24,880 --> 00:21:28,320 Speaker 2: But the reverse is true, where if they then lowball. 459 00:21:28,000 --> 00:21:30,399 Speaker 3: Me even further, sometimes it pisss me off enough that 460 00:21:30,480 --> 00:21:32,400 Speaker 3: I'm like, actually, offer revoked. 461 00:21:32,560 --> 00:21:33,280 Speaker 2: You can pay. 462 00:21:34,800 --> 00:21:38,160 Speaker 3: Yeah, depending on how much, Because this is the thing 463 00:21:38,240 --> 00:21:40,560 Speaker 3: I have to say with deepop is sometimes. 464 00:21:40,240 --> 00:21:42,320 Speaker 2: People will be absurd. 465 00:21:42,440 --> 00:21:44,200 Speaker 3: Like I know we're all for don't ask, don't get, 466 00:21:44,240 --> 00:21:46,640 Speaker 3: and I'll never fault somebody for asking for a discount, 467 00:21:46,680 --> 00:21:49,720 Speaker 3: but like, if I've listed an item for fifty dollars 468 00:21:50,200 --> 00:21:52,000 Speaker 3: and you're going to offer me ten. 469 00:21:53,359 --> 00:21:56,960 Speaker 2: You're in my bad books. I'm sorry you are. You've 470 00:21:57,040 --> 00:21:58,760 Speaker 2: done it, You've really done it this time. I will 471 00:21:58,800 --> 00:22:01,040 Speaker 2: actually never accept it off few. No, I'm just kidding, 472 00:22:01,920 --> 00:22:02,359 Speaker 2: you know, like. 473 00:22:03,960 --> 00:22:07,560 Speaker 3: Side whereas Yeah, so I mean you know what, don't ask, 474 00:22:07,600 --> 00:22:08,040 Speaker 3: don't get. 475 00:22:08,160 --> 00:22:10,120 Speaker 2: Yeah, I think the first half of that very true. 476 00:22:10,160 --> 00:22:12,320 Speaker 3: Like if someone's had a hard time selling something and 477 00:22:12,480 --> 00:22:15,000 Speaker 3: you put it in your cart, you're gonna get an offer. 478 00:22:15,240 --> 00:22:17,720 Speaker 2: Yeah, that's a fair fair play. Second one, i'd say, 479 00:22:17,880 --> 00:22:21,000 Speaker 2: do it your own risk. Yeah, okay, but that's just 480 00:22:21,080 --> 00:22:25,280 Speaker 2: my personal tape totally. I also think someone might be 481 00:22:25,320 --> 00:22:27,560 Speaker 2: struggling for money. I don't want to load balls them more. 482 00:22:27,640 --> 00:22:30,480 Speaker 2: But also if they take it, well, then that's a 483 00:22:30,560 --> 00:22:30,920 Speaker 2: win for you. 484 00:22:31,280 --> 00:22:31,560 Speaker 4: Great. 485 00:22:32,080 --> 00:22:36,560 Speaker 2: Thank you, Katie. I'm sorry that your has caused such 486 00:22:36,560 --> 00:22:39,359 Speaker 2: a debate, but I am on both sides. Yeah, you know, 487 00:22:39,560 --> 00:22:44,080 Speaker 2: I'm on both sides of the coin. But yeah, that's fantastic. Okay. 488 00:22:44,160 --> 00:22:47,280 Speaker 2: The next one comes from Angela, who says, I asked 489 00:22:47,320 --> 00:22:51,480 Speaker 2: for fifty pounds lbs. I've always wondered why does that 490 00:22:51,560 --> 00:22:54,399 Speaker 2: mean pounds? You know, how could it possibly ivegn never 491 00:22:54,440 --> 00:22:56,720 Speaker 2: get any thought, but that's a great question. Yeah, where 492 00:22:56,800 --> 00:23:02,639 Speaker 2: there's no lb or s in pounds. Oh yes, But anyway, 493 00:23:02,760 --> 00:23:03,639 Speaker 2: someone out there's going to know. 494 00:23:03,760 --> 00:23:05,880 Speaker 3: Let us put it in the Spotify comments, please, because 495 00:23:05,880 --> 00:23:06,919 Speaker 3: it's going to keep me up at night. 496 00:23:07,080 --> 00:23:09,760 Speaker 2: Please let us know. So I asked for fifty pounds 497 00:23:09,800 --> 00:23:12,040 Speaker 2: of flour for Christmas. I didn't That is quite a 498 00:23:12,080 --> 00:23:14,240 Speaker 2: lot of flower I didn't have to buy a flour 499 00:23:14,359 --> 00:23:18,040 Speaker 2: for nine months, baked every other day, vacuum sealed it 500 00:23:18,119 --> 00:23:21,280 Speaker 2: in four pound bags so it keeps fresh. This year, 501 00:23:21,320 --> 00:23:23,479 Speaker 2: I'm asking for fifty pounds of flour and twenty five 502 00:23:23,480 --> 00:23:27,200 Speaker 2: pounds of sugar. Get an angler. I make my own 503 00:23:27,240 --> 00:23:30,440 Speaker 2: brown sugar and it never gets hard like store board, 504 00:23:30,920 --> 00:23:34,160 Speaker 2: which is it's a very practical gift, very very practical. 505 00:23:34,240 --> 00:23:36,399 Speaker 2: There's so she's so funny that this year she's like, 506 00:23:36,680 --> 00:23:39,680 Speaker 2: I'm trying fifty pounds of flour and also twenty five 507 00:23:39,680 --> 00:23:41,560 Speaker 2: pounds of sugar because clever. 508 00:23:42,000 --> 00:23:43,920 Speaker 3: If I don't know what she's baking, I know a 509 00:23:44,320 --> 00:23:45,320 Speaker 3: lot of flour it is. 510 00:23:45,560 --> 00:23:47,960 Speaker 2: You can do a lot of bread. Yeah, that's true. Bread. Yeah, 511 00:23:48,960 --> 00:23:50,399 Speaker 2: but I wonder with the sugar. What are you going 512 00:23:50,440 --> 00:23:53,200 Speaker 2: to do with the sugar? I really want? Surely? Yeah, 513 00:23:53,640 --> 00:23:56,600 Speaker 2: so you got to make some sweet treats. And the 514 00:23:56,680 --> 00:23:59,240 Speaker 2: next year maybe you should ask for butter. Fifty pounds 515 00:23:59,280 --> 00:24:01,160 Speaker 2: of butter. I don't think you can really get anything 516 00:24:01,200 --> 00:24:04,320 Speaker 2: done with that butter. But I'm loving this. That is 517 00:24:04,359 --> 00:24:07,080 Speaker 2: so clever. All for a practical gift, absolutely totally. And 518 00:24:07,200 --> 00:24:09,120 Speaker 2: also it's a hack for both because if someone asked 519 00:24:09,119 --> 00:24:11,439 Speaker 2: me for fifty pounds a flower, and I know I've 520 00:24:11,440 --> 00:24:14,119 Speaker 2: got him like a couple of kilos, it's still a 521 00:24:14,240 --> 00:24:16,359 Speaker 2: big win for me because it's only a few dollars. 522 00:24:16,600 --> 00:24:18,200 Speaker 2: That's true. Actually it's great affordable. 523 00:24:18,680 --> 00:24:21,159 Speaker 3: I've got one from Rachel who said she taught her 524 00:24:21,280 --> 00:24:24,680 Speaker 3: blue collar husband how to bleach and tone and install 525 00:24:24,760 --> 00:24:28,600 Speaker 3: her twenty four inch taping extensions, which saves her thousands. 526 00:24:28,800 --> 00:24:30,760 Speaker 2: WHOA, I thought this? 527 00:24:31,320 --> 00:24:32,920 Speaker 3: You know that this is the epitome to me of 528 00:24:32,960 --> 00:24:35,520 Speaker 3: if he wanted to, he would. There's a woman on TikTok. 529 00:24:35,560 --> 00:24:38,120 Speaker 3: I saw she made a video that her husband did 530 00:24:38,240 --> 00:24:39,679 Speaker 3: a spray tanding course. 531 00:24:39,920 --> 00:24:42,320 Speaker 2: Oh my god, they bought like a bought like online 532 00:24:42,359 --> 00:24:42,600 Speaker 2: a kit. 533 00:24:42,680 --> 00:24:45,000 Speaker 3: He got the tenth, the sprayer, the whole thing and 534 00:24:45,160 --> 00:24:48,440 Speaker 3: does her like weekly spraytnds for her. Oh, because he 535 00:24:48,560 --> 00:24:50,359 Speaker 3: saw that it was so annoying for her to have 536 00:24:50,440 --> 00:24:52,280 Speaker 3: to go every week and pay all this money and whatever, 537 00:24:52,320 --> 00:24:53,080 Speaker 3: and it wasn't always good. 538 00:24:53,119 --> 00:24:54,880 Speaker 2: So he's like, oh bet I can do that better. 539 00:24:55,200 --> 00:24:59,159 Speaker 3: Yes, pop off king, I think so good with the 540 00:24:59,240 --> 00:25:01,320 Speaker 3: husband's boy, These girlfriends put him to work. 541 00:25:01,520 --> 00:25:04,400 Speaker 2: Absolutely, I completely agree. Yeah, I want more. 542 00:25:04,480 --> 00:25:08,119 Speaker 3: Actually, if you've taught your partner something, I want to comment. 543 00:25:08,200 --> 00:25:09,639 Speaker 3: I want to know maybe we can make it a 544 00:25:09,720 --> 00:25:13,280 Speaker 3: thread is such as for pictures, what are they doing? 545 00:25:13,640 --> 00:25:16,639 Speaker 2: Like what pink collar jobs have you given your partner totally? 546 00:25:16,760 --> 00:25:18,359 Speaker 2: Or is this someone in the friend group has picked 547 00:25:18,400 --> 00:25:20,639 Speaker 2: up something that like, so like they've learned how to 548 00:25:20,680 --> 00:25:22,560 Speaker 2: do nails, they've learned how to like and then you're 549 00:25:22,640 --> 00:25:25,720 Speaker 2: order saving money. Yeah yeah that's so colemar case. Then 550 00:25:25,760 --> 00:25:26,840 Speaker 2: they appreciate the effort. 551 00:25:26,960 --> 00:25:30,080 Speaker 3: Firstly, like that husband now understands how annoying it is 552 00:25:30,480 --> 00:25:33,800 Speaker 3: to scrub the whole body, to get between the fingers, 553 00:25:33,920 --> 00:25:36,320 Speaker 3: to do the powder, the whole thing, the guy who's 554 00:25:36,320 --> 00:25:37,960 Speaker 3: doing the bleach and tone. I also can't hear the 555 00:25:38,000 --> 00:25:40,800 Speaker 3: words bleach and tone without thinking of tanamojo a bleach 556 00:25:40,840 --> 00:25:41,240 Speaker 3: in tone. 557 00:25:41,560 --> 00:25:44,520 Speaker 2: I have not a single clue what that is. AH 558 00:25:44,920 --> 00:25:45,280 Speaker 2: have to share. 559 00:25:45,280 --> 00:25:49,040 Speaker 3: I'm so sorry, maybe perhaps for a very specific our 560 00:25:49,119 --> 00:25:54,040 Speaker 3: bleach and tone, our bleach and done anyway view, But 561 00:25:54,080 --> 00:25:57,120 Speaker 3: I'm just thinking like that man now appreciates what goes 562 00:25:57,119 --> 00:25:59,639 Speaker 3: into the maintenance of those extensions as he should. 563 00:25:59,760 --> 00:26:01,600 Speaker 2: That's because now you're going to see a girl on 564 00:26:01,600 --> 00:26:04,040 Speaker 2: the street with extensions and be like you are looking 565 00:26:04,119 --> 00:26:08,880 Speaker 2: at great, my queen. That's fantastic, And swinger really want 566 00:26:08,920 --> 00:26:10,840 Speaker 2: to start doing actually learn how to do all these things. 567 00:26:11,400 --> 00:26:14,000 Speaker 2: So this next one comes from Lauren, who says I 568 00:26:14,119 --> 00:26:17,000 Speaker 2: read three star reviews, and almost every time I decide 569 00:26:17,040 --> 00:26:20,360 Speaker 2: against buying the item I was read the lowest Yes, 570 00:26:20,720 --> 00:26:22,760 Speaker 2: me too, turns you off. Yeah, really turns you off. 571 00:26:22,800 --> 00:26:24,600 Speaker 2: That's such a great idea. You're right, that is such 572 00:26:24,680 --> 00:26:27,960 Speaker 2: a good way to deinfluence yourself. Is the worst of 573 00:26:28,040 --> 00:26:30,600 Speaker 2: the worst. You're you know what, probably don't need the 574 00:26:30,640 --> 00:26:34,240 Speaker 2: sandwich press. You totally I think it's a really good 575 00:26:34,280 --> 00:26:34,800 Speaker 2: place to leave it. 576 00:26:34,840 --> 00:26:36,720 Speaker 3: So if you're listening to this episode, you're getting farmer 577 00:26:36,840 --> 00:26:38,320 Speaker 3: about all the fun you're missing out on in the 578 00:26:38,359 --> 00:26:40,560 Speaker 3: Facebook groups a link in their show notes and join 579 00:26:40,640 --> 00:26:42,600 Speaker 3: us there because there's all kinds of fun things going. 580 00:26:42,520 --> 00:26:44,600 Speaker 2: Absolutely and share the episode with a friend who might 581 00:26:44,640 --> 00:26:47,840 Speaker 2: need some unhinged hacks to help save them money. It's 582 00:26:47,880 --> 00:26:49,920 Speaker 2: been so much fun spending news Eve with you, guys. 583 00:26:50,000 --> 00:26:51,239 Speaker 2: Thank you for hanging out with us. 584 00:26:51,520 --> 00:26:53,719 Speaker 3: It's been an absolute privilege having you in the community 585 00:26:53,760 --> 00:26:56,160 Speaker 3: for twenty twenty five. Just to reminder, we're not going 586 00:26:56,160 --> 00:26:58,160 Speaker 3: anywhere over the summer. You're still going to be getting 587 00:26:58,200 --> 00:27:00,399 Speaker 3: all of the episodes you love to start You're off 588 00:27:00,720 --> 00:27:03,280 Speaker 3: the right way all the way through January, there'll be 589 00:27:03,359 --> 00:27:08,000 Speaker 3: some more less unhinged hacks, right ways to set yourself up. 590 00:27:08,040 --> 00:27:10,439 Speaker 3: Don't worry, all the finance bits and pieces you love 591 00:27:10,480 --> 00:27:12,720 Speaker 3: will be back along with Queen Victoria Divine in the 592 00:27:12,840 --> 00:27:13,199 Speaker 3: new year. 593 00:27:13,800 --> 00:27:17,280 Speaker 2: Oh and as always, we've got more unhinged fun coming 594 00:27:17,320 --> 00:27:19,640 Speaker 2: your way on Friday. Bye, guys, Bye. 595 00:27:26,160 --> 00:27:28,680 Speaker 4: The advice shared on She's on the Money is general 596 00:27:28,760 --> 00:27:32,600 Speaker 4: in nature and does not consider your individual circumstances. She's 597 00:27:32,640 --> 00:27:36,080 Speaker 4: on the Money exists purely for educational purposes and should 598 00:27:36,160 --> 00:27:39,320 Speaker 4: not be relied upon to make an investment or financial decision. 599 00:27:39,680 --> 00:27:41,880 Speaker 2: If you do choose to buy a financial. 600 00:27:41,520 --> 00:27:45,800 Speaker 4: Product, read the PDS TMD and obtain appropriate financial advice. 601 00:27:45,560 --> 00:27:46,840 Speaker 2: Tailored towards your needs. 602 00:27:47,240 --> 00:27:51,160 Speaker 4: Victoria Divine and She's on the Money are authorized representatives 603 00:27:51,240 --> 00:27:55,040 Speaker 4: of money sherper pty Ltd ABN three two one is 604 00:27:55,160 --> 00:27:59,000 Speaker 4: six four nine two seven seven zero eight AFSL four 605 00:27:59,119 --> 00:28:00,600 Speaker 4: five one two eight nine