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Speaker 1: She's on The Money Radio Show with Victoria Divine starts now,

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Speaker 1: Hello and welcome to that. She's on The Money Radio

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Speaker 1: Show podcast, the podcast for millennials who want financial freedom.

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Speaker 1: You like that one, didn't you?

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Speaker 2: Yeah?

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Speaker 3: I like it? Well done?

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Speaker 4: Post the button?

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Speaker 1: You just like my mom?

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Speaker 5: Why?

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Speaker 1: I don't know, it just kind of feel like you know. Now,

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Speaker 1: you are a very nice lady.

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Speaker 3: And if Victoria is the mum, what am i?

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Speaker 1: You're the uncle that needs to get off his butt

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Speaker 1: and get himself a real job and sort his life out.

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Speaker 4: Well that's not really nice. Who would tell anybody to

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Speaker 4: get a real job?

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Speaker 3: Yeah, yeah, thank you very much. When we can talk

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Speaker 3: into sticks for a living and make millions of dollars?

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Speaker 4: Oh are you making millions? Do we need to renegotiate

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Speaker 4: our contract?

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Speaker 1: Well?

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Speaker 3: Sorry, that's actually gravy on my contract.

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Speaker 6: Thought, because I was about to say, I thought we

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Speaker 6: did this out of goodwill. They have convinced me this

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Speaker 6: is a good thing for my brand.

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Speaker 1: Yeah, oh my god, it'll be good for your profile.

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Speaker 1: Thing is classic media right now. No, it's not gonna

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Speaker 1: be made anyway.

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Speaker 4: Brain exposure.

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Speaker 3: Yeah, the bathrooms on level three need a good cleaning.

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Speaker 3: It'll be great for your profile if you just jump

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Speaker 3: on in and j gift the toilets for us.

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Speaker 4: Hard no from me.

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Speaker 1: The funny thing about talking about your contract the image

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Speaker 1: is we actually had on the show today with our

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Speaker 1: money dilemma. Wendy wrote in and she was asking what's

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Speaker 1: the best way to get a pay rise? So maybe

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Speaker 1: she did she did, you're the person that we need

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Speaker 1: to talk to scrape Victoria's advice, and we need to

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Speaker 1: talk to you.

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Speaker 4: We had a Victoria no. We touched on it and

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Speaker 4: it was good. Oh, I reckon. It was a good episode.

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Speaker 6: But we did an entire episode on the podcast recently

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Speaker 6: about asking for a pay rise, So definitely if you

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Speaker 6: haven't listened.

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Speaker 4: To that, go back to it.

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Speaker 6: Because I feel like we all need to know our worth,

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Speaker 6: Like it pisces me off guys that we have friends

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Speaker 6: and family and even ourselves that are undervaluing ourselves or

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Speaker 6: don't have the confidence to ask for what we're worth,

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Speaker 6: Like it just makes sense.

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Speaker 3: Also, can I be honest, I was terrified to ask

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Speaker 3: for a pay rise, and then the moment I did

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Speaker 3: it was it was easy and my boss was expecting it.

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Speaker 3: The guys, they're not shocked, Like they're your boss. Their

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Speaker 3: job is to pay you, so they're always expecting you

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Speaker 3: to ask more money and the worst thing they can

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Speaker 3: do is say no.

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Speaker 5: Yeah.

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Speaker 3: We also do a which I think is funny, to

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Speaker 3: do a super Savier Saturday. So Victoria's got tips for us,

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Speaker 3: And we also do I think my favorite segment, tell

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Speaker 3: them they're dreaming, You've got to sing it.

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Speaker 6: Yeah, and we actually talk about dryalint, which is interesting.

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Speaker 3: Yeah, shocking. I don't know how we did it, but

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Speaker 3: we did.

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Speaker 1: We did. But the other thing is guilty pleasures, and

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Speaker 1: we didn't get much time to talk about this. What's

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Speaker 1: a guilty pleasure that you've actually bought in the last week?

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Speaker 4: Victoria's last week is six dollar?

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Speaker 1: Okay, what about you? Mitch?

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Speaker 3: I bought a four thousand dollars DJ set imported from

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Speaker 3: Milwaukee in the US.

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Speaker 1: Are you choking?

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Speaker 4: He is actually getting paid way more than us track?

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Speaker 1: How God, mate, how the hell did you get that?

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Speaker 3: Mate? I've got five radio shows okay, free Rich Rich.

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Speaker 1: Rich I bought those, Sorry, Mitch, Mitch Rich I love that,

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Speaker 1: Rich Mitch. My whole thing was Ben and Jerry's have

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Speaker 1: got like the salted topped Carol Brownie or that was

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Speaker 1: my guilty pleasure. But the only reason I bought it

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Speaker 1: was because it was half price at will It.

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Speaker 4: That's a money win. That is a money win, money win,

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Speaker 4: making money by buying that ice cream to be rude, not.

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Speaker 3: To money win on the fly when you get the

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Speaker 3: sale items at the checkout at the service station. I

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Speaker 3: always fall.

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Speaker 6: For that every time I actually end up buying gum

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Speaker 6: and lollies and stuff if I'm hungry.

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Speaker 3: It's the two for six gum deal. It's not even

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Speaker 3: a saving, it's just the same prices.

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Speaker 4: To actually really bad like it's a trap.

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Speaker 6: It's all about marketing, right, It's all about like psychology

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Speaker 6: and how they get you. It's white check out at

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Speaker 6: the supermarket. They always have lollies and chocolates. It's not

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Speaker 6: because they think you will want them. It's because they

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Speaker 6: know that your kid is standing there asking for it.

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Speaker 4: And it's like a dollar, right, So how do you

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Speaker 4: shut your up?

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Speaker 6: You just say, yeah, no problems, grab it, pop it

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Speaker 6: on the pop it in the trolley, and it's fine.

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Speaker 1: That's weird because I don't have a kid that I.

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Speaker 4: Know of, so still buy on the chocolates.

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Speaker 3: Yeah, yeah, yeah, you know what kid did anyone else's dad?

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Speaker 3: Maybe this is the dad thing, My dad did it?

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Speaker 3: Maybe a mom thing. They would as the checkout went

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Speaker 3: through and the items were being scanned, they would grab

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Speaker 3: a copy of Okay, your new idea and read it,

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Speaker 3: Oh my god, so quicky, and then put as if

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Speaker 3: their life depended on it, and then put it back

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Speaker 3: before it was time to pay.

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Speaker 4: Oh my god.

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Speaker 6: That has triggered some kind of memory in me that

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Speaker 6: reminds me of what it was like in like the

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Speaker 6: early two thousands to go big a checkout and feel anxious.

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Speaker 4: You know what was worse than that?

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Speaker 6: Though, Mitch or your mum was like, oh my god,

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Speaker 6: I forgot the milk, and then she'd leave you at

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Speaker 6: their checkout drink and you'd be like, oh my god,

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Speaker 6: what if she doesn't come back, and this checkout lady

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Speaker 6: thinks I can pay for it money?

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Speaker 3: What am I going to do?

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Speaker 4: My mom's not going to come back.

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Speaker 6: With the milk or the eggs or whatever she forgot

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Speaker 6: to put in the cart.

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Speaker 3: And they always take so much time, don't they take it?

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Speaker 4: Then you get there and your mum comes back and

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Speaker 4: it's fine.

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Speaker 3: Or they will ask you what Flybys?

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Speaker 6: You say, I don't know what fly I don't even

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Speaker 6: know My nine times tables don't even have Flybys.

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Speaker 4: I get asked all the time.

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Speaker 6: I feel like I'm missing out because Jess, who is

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Speaker 6: a co host of the actual she's on the Money podcast,

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Speaker 6: not this one.

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Speaker 4: It's just like the market.

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Speaker 1: Thanks mate, appreciate, You're welcome.

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Speaker 6: She saved up so many Flybys points that she bought

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Speaker 6: herself an entire kitchenaide stand mixer with the points.

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Speaker 1: I don't even know what that is, but it's I

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Speaker 1: do it too, so expensive great like money win.

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Speaker 4: I need to get myself a Flybys.

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Speaker 1: Cart just quickly. The whole magazine at the shopping thing.

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Speaker 3: Oh yeah, then we spoke about an hour ago.

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Speaker 1: Yeah yeah, yeah, No. I just have to say this.

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Speaker 1: I think my mum, chrisy Roebuck, is single handedly keeping

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Speaker 1: New Idea and Women's Day in business because she's the

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Speaker 1: only one who ever reads that and buys it every

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Speaker 1: single week, and then she gives it to my sister

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Speaker 1: who reads it two weeks later, which is fantastic.

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Speaker 6: That's pretty good. That's getting a latter bank for bart

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Speaker 6: really is she? She should come on the show.

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Speaker 3: Can I give you a fun fact that I often

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Speaker 3: don't share, but on the front page of New Ideas

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Speaker 3: and the Okays the actors. You know, it's like my

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Speaker 3: dad was secret in my brother who at the end

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Speaker 3: of the day was my cousin. You know, the really

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Speaker 3: crazy headlines.

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Speaker 1: Yeah, you know how Mitch knows that she is because.

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Speaker 4: That's how he got that four thousand dollars DJ stuff.

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Speaker 1: She's on the Muney radio show coming out to you

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Speaker 1: right now.

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Speaker 5: This is She's on the Money radio.

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Speaker 1: Show Saturday morning round the country. This is she's on

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Speaker 1: the Money Radio Show with Australia's number one finance podcast

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Speaker 1: of Victoria Devine Mitstury as well. And it is time

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Speaker 1: to do this dream?

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Speaker 3: How good's a good yell? Just to get it out

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Speaker 3: of your system, so therapeutic, cathartic even.

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Speaker 1: And make people feel bad about themselves instead of you.

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Speaker 3: Right, Oh god, yeah, that's my lot.

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Speaker 4: That's so nasty. Do you know what really annoys me

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Speaker 4: about yelling?

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Speaker 6: Absolute side note? I sometimes get frustrated, right, like, no

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Speaker 6: want to have a hard shocked at me, shocking my

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Speaker 6: partner won't yell at me, like you know, when you're like,

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Speaker 6: oh my god, I can't.

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Speaker 4: Believe you did this. He's like, Okay, no problems, I'll

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Speaker 4: fix that. Like he's two level headed.

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Speaker 1: That's called being a door mat Steve sos.

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Speaker 4: Not, it's called being a good human.

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Speaker 1: And I am not one.

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Speaker 3: What this segment's about. And so it's when we've all

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Speaker 3: done it. We've all been scrolling through Facebook Marketplace looking

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Speaker 3: for a bargain, or you've gone app shopping and you go,

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Speaker 3: you know, I'm not going to buy it here. I'm

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Speaker 3: going to go to Facebook Marketplace and save one hundred dollars.

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Speaker 3: We get blown away by how much people think they're

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Speaker 3: junk is worth. That's why we're playing a tel and

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Speaker 3: they're dreaming. So we found five weird marketplace items, right, guys,

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Speaker 3: you all have one we did?

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Speaker 4: We did, Trav, you get to go first this week.

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Speaker 1: Oh well, I mean this is state of the art technology.

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Speaker 1: It's something this radio station probably still uses. In fact,

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Speaker 1: it might actually be this radio station that is selling this.

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Speaker 1: By the way, a Sanyo Beta VC good used. It

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Speaker 1: says good English in the title good used working condition.

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Speaker 1: How much would you pay for a Sanyo Beta VCR.

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Speaker 3: She's a VCR player.

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Speaker 4: You have videotapes.

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Speaker 1: It's essentially a video player.

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Speaker 4: Yeah ten bucks, Oh yeah, and we're on the same page.

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Speaker 1: It's worth ten bucks, all right, give me an extra

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Speaker 1: three hundred and forty because it's three hundred and fifty bucks.

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Speaker 1: But you know what, have a look at it that.

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Speaker 4: I actually need one of those. I'm not gonna lie.

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Speaker 6: I thought it'd be like ten bucks on Facebook Marketplace.

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Speaker 6: And you know what, I'm getting married at the end

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Speaker 6: of this year and my parents vide tape is still

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Speaker 6: on VCR and they said, oh my gosh, you should

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Speaker 6: watch this beforehand, and I low key won to because

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Speaker 6: it's like so nice. Right, we're going through wedding stuff.

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Speaker 6: I need a VC. I'm not paying three hundred and

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Speaker 6: fifty bucks.

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Speaker 4: Are you joking?

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Speaker 3: Too much money? What about this?

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Speaker 5: All of this?

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Speaker 3: I got okay, Apple MacBook Air original box, the box,

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Speaker 3: it's just the bus. But it's in the fancy shipping

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Speaker 3: This is there where it's fancy shipping cardboard bugs. It

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Speaker 3: says this was ordered online, so it comes with a

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Speaker 3: high quality got board box, which it was shipped in.

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Speaker 3: What do we think they're asking for that? It's it's

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Speaker 3: in Sydney.

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Speaker 6: Free pick up because it's rubbish and they just want

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Speaker 6: you to come and take it out of their house.

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Speaker 6: Maybe they're putting it on Facebook marketplace because it doesn't

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Speaker 6: fit in the bin.

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Speaker 1: That's a good point.

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Speaker 4: Yeah, how much for the most Yeah, I said free.

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Speaker 1: I'm going to say seven dollars.

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Speaker 3: Fifty bucks for the bus in a box?

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Speaker 4: Absolutely not.

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Speaker 1: I hope sometimes these people are taking the piers and

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Speaker 1: they are waiting for the one person to come up

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Speaker 1: and then just take them away and go. You, sir,

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Speaker 1: are crazy because you are willing to pay fifty bucks

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Speaker 1: for a box and get it.

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Speaker 3: I hope they listen to this radio show and I'm

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Speaker 3: just doing this for Victoria, Travin, Mitch. They've got content

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Speaker 3: on that I really appreciate it.

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Speaker 6: I've actually got two for you today. One of them

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Speaker 6: I kind of feel like they've done it to take

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Speaker 6: the mickey. The other I'm just confused about. So the

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Speaker 6: first one is lettuce. They have a bag of single

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Speaker 6: leaf iceberg lettuce. It's crisp and crunchy. It's from Woolies.

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Speaker 6: On the packet you can see in the photo. Two dollars.

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Speaker 4: What do you think they're selling it for? Oh my god,

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Speaker 4: what do you think they're trying.

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Speaker 1: To sell for with the prices, I am going to

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Speaker 1: say forty dollars.

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Speaker 6: No, five hundred. They are making a very good profit margin.

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Speaker 1: That's ridiculous, all right, but you said you had.

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Speaker 3: To I do.

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Speaker 6: This one came through my DMS earlier this week. This

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Speaker 6: one's from Queensland. I'm going to make you, guys guess

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Speaker 6: the price again. Here's a picture of it.

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Speaker 4: Do you know what that is? Trav No?

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Speaker 3: What is that? No?

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Speaker 4: Idea? All right?

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Speaker 1: So it's like some kind of a rabbit or a

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Speaker 1: cat in a bowl or something.

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Speaker 6: It is linked from my dryer about a year's worth.

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Speaker 6: How much is someone selling their dryer linked for guys?

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Speaker 3: Too much?

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Speaker 2: Well?

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Speaker 6: I mean I would just put that in the bin,

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Speaker 6: but I reckon, we're talking sense.

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Speaker 3: I think we're talking sense. They're after seventy five cents.

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Speaker 1: I think I'm going to say, because people are idiots,

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Speaker 1: five bucks?

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Speaker 4: No, two hundred and fifty dollar US.

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Speaker 1: How does that even say what the lint is from? Like,

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Speaker 1: if it's from much special edition yeezy, I know, Mitch

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Speaker 1: would probably be interesting.

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Speaker 4: Yeah, maybe they've been drying their CASHMI or something.

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Speaker 3: And sorry to send me that link.

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Speaker 4: I might be yes you later, but is that a

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Speaker 4: thing only it's a limp ball.

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Speaker 1: I was going to say, yeah, the only link I'm

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Speaker 1: doing is the chocolate version. But you know what, people

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Speaker 1: like to spend their money on the most random things.

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Speaker 1: So coming up next on the She's on the Money

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Speaker 1: Radio show, Let's do guilty pleasures. What is your guilty pleasure?

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Speaker 1: How much do you spend on that? Thirteen one, six

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Speaker 1: y five. We want to hear from you right now.

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Speaker 1: It's not the seventeen thousand dollars uber eats that you do, Mitch.

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Speaker 4: Is it a six dollar lae?

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Speaker 1: Yeah, it might be two hundred and fifty dollars in

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Speaker 1: who knows.

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Speaker 3: Don't you guilt shame people? Please? Everyone has very different

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Speaker 3: We're not.

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Speaker 4: Guilt shaming anybody.

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Speaker 6: We're all about embracing everybody's choices.

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Speaker 4: Some of them are better than others.

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Speaker 6: Though.

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Speaker 1: Thirteen to one I six five. Give us a call

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Speaker 1: right now, what's your guilty pleasure? And we will guilt

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Speaker 1: shame you. Next here on She's on the Money Radio Show.

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Speaker 5: She's on the Money Radio Show.

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Speaker 1: Saturday Morning, It's She's on the Money Radio show. Right

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Speaker 1: around the country with Australia's number one finance podcast of

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Speaker 1: Victoria Devine and the Dancing Queen who's been dancing up

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Speaker 1: a storm with the songs there Mitch churry, how are

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Speaker 1: you mate?

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Speaker 3: Anyone got some deodor? And I'm I'm dancing up a

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Speaker 3: sweating here.

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Speaker 6: The wondering isn't gonna benefit you, It will benefit us exactly,

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Speaker 6: you know what.

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Speaker 1: But we are all here thanks to Budget Direct winn

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Speaker 1: are we can Stars Insurer of the Year Award twenty

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Speaker 1: twenty two. Budget Direct Insurance Solved.

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Speaker 6: We're talking about guilty pleasures today and I believe we

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Speaker 6: have a few callers that have come through some stings.

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Speaker 4: Good ones. Play the sting so we can get through

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Speaker 4: that it.

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Speaker 3: Play it.

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Speaker 1: You guys aren't even my real mum and dad. Guilty

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Speaker 1: Pleasure thirty six five give us a call right now.

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Speaker 1: We want to hear what's that crazy thing that you know?

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Speaker 1: You go, oh, I probably shouldn't spend all my cash

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Speaker 1: on this, but.

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Speaker 3: It Yeah, mine's uber eats. Victoria.

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Speaker 4: What's yours coffee?

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Speaker 3: Yeah, a lot of cough, a lot of cough. What

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Speaker 3: about you, Belle?

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Speaker 1: What's your guilty pleasure?

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Speaker 2: Well, basically I only stay at hotels that have beautiful pools,

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Speaker 2: just so I can get a selfie to send to

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Speaker 2: my ex and make him jealous.

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Speaker 3: Oh and does it work?

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Speaker 6: Why are you still tuxting your ex? Do we need

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Speaker 6: to talk about this? Do you want to grab a coffee?

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Speaker 2: Absolutely not texting him, just putting it on Instagram and

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Speaker 2: I know who's working.

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Speaker 6: Yeah, you are all right, But I feel like that's

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Speaker 6: a good criteria to meet when you're going on holiday.

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Speaker 6: If I go on holiday like I'm off to Balley

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Speaker 6: like Mitch was last week, I want to go.

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Speaker 3: Let's power through, let's push.

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Speaker 2: Yeah.

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Speaker 4: I feel like the pool is a place I spend

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Speaker 4: a lot of time. It's not a guilty pleasure. It's

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Speaker 4: just a smart woman.

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Speaker 1: Have you ever rocked up to one bell and it's

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Speaker 1: just like, this is not what it's said on the

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Speaker 1: box and it's just like a bath tub or something.

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Speaker 2: There was one and it just did not live up

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Speaker 2: to my photographic.

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Speaker 3: But hold on, bell, I'm confused. Is the goal to

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Speaker 3: convince people that you own a house with one hundred

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Speaker 3: different pools? People?

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Speaker 4: To convince people she can go on expensive holidays?

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Speaker 3: All right, all right, guilty pleasure, take it? Thank you?

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Speaker 3: Belle for your call.

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Speaker 2: Thank you.

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Speaker 1: All right, we have Sasha now thirty one, I six five.

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Speaker 1: We're taking your calls on your guilty pleasure, Sasha, what's yours?

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Speaker 2: My guilty pleasure is? Nanoblock is basically like this teeny

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Speaker 2: tiny lego that you use teasers to assemble, like little

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Speaker 2: display models of things. And it started out as I

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Speaker 2: was at a bookshop and there was this little nanoblock

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Speaker 2: thing and I bought it. It was like fifteen bucks.

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Speaker 2: I got addicted. I don't know, I must have been

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Speaker 2: going through something in my life. And I've now moved

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Speaker 2: up to full like two hundred and fifty dollars mini

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Speaker 2: city replicas, and I have two. I have London and

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Speaker 2: I have Paris.

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Speaker 6: Oh my god, I'm impressed because I would get so

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Speaker 6: frustrated at that I just couldn't do it.

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Speaker 2: That's part of it. You sit and you're like oh,

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Speaker 2: and then you finally get it and it's amazing.

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Speaker 6: My ADHD could never So how much have you spent

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Speaker 6: on this, Sasha?

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Speaker 2: So it's two hundred and fifty dollars for a full city. No,

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Speaker 2: keep in mind that the city it moves so like

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Speaker 2: the London Eye in the London, like it's an actual

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Speaker 2: little revolving circle. Bits.

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Speaker 3: You're here to promote it us some time, and right

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Speaker 3: now you can get London and Shanghai for the good

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Speaker 3: price twelve five hundred off. It's not a guilty pleasure,

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Speaker 3: it's a guilty plug, drop her trap.

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Speaker 1: Whatever that was guilty pleasures. We're going to do that

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Speaker 1: again soon. I love that segment.

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Speaker 4: I love that segment.

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Speaker 3: It's so much fun.

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Speaker 4: What do you do with these little cities once you've

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Speaker 4: got them?

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Speaker 1: I thought she said Nana block and then I was like,

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Speaker 1: what is that?

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Speaker 6: But I thought she was going to talk to us

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Speaker 6: about crypto, and it was about to be like, get.

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Speaker 3: Off my show. Anyway.

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Speaker 1: If you've got a money dilemma, you're struggling with your

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Speaker 1: cash flow, probably from buying too much crypto. If you

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Speaker 1: need some advice, you can hear us up right now

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Speaker 1: at She's on the Money Social Mitch. Who's hit us

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Speaker 1: up this week?

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Speaker 3: Wendy? And you know, for someone named Wendy to hit

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Speaker 3: us up online, you know it's it takes a while

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Speaker 3: to log up on the computer.

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Speaker 4: And get on loves the name Wendy. It reminds me of.

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Speaker 3: Yeah, but you just know Wendy's not at UNI. You

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Speaker 3: know what I mean. Wendy's Wendy's on a probos bus tour. Yeah,

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Speaker 3: but potentially she wants to know, how do I ask? Actually,

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Speaker 3: I'll do it in Wendy's voice, how do I ask

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Speaker 3: for a pay rise?

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Speaker 1: Wendy sounds just like Victoria Divine.

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Speaker 4: You guys are so nice to me.

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Speaker 3: Victoria.

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Speaker 1: That's coming up next on She's on the Money radio show.

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Speaker 4: I believe it's Vicky d This is.

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Speaker 1: She's on the Money radio show Saturday morning. She's on

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Speaker 1: The Money Radio Show with Australia's number one finance podcast

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Speaker 1: of Victoria Devine. Mitch Curry as well, we're doing High.

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Speaker 1: You were doing Victoria and your voice is there, Mitch

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Speaker 1: because they were very similar.

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Speaker 4: He's trying, you don't even need me.

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Speaker 3: Now is Victoria or the High?

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Speaker 5: Who is the yup?

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Speaker 1: I want you to do this segment as Victoria, Mitch,

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Speaker 1: because we're doing this.

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Speaker 4: Press the button.

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Speaker 1: Thank you, Captain of he is. I almost forgot Each.

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Speaker 3: Week we bring you someone's fine. Actually dog down, Lucy

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Speaker 3: hold on? Can someone call reception? The Chanel deliveries here?

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Speaker 4: Yeah, Chanel don't deliver come on now, sit down.

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Speaker 3: Sorry, let's get to the money dilemma. Okay, so this

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Speaker 3: is uh.

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Speaker 1: Doing Victoria's voice. Oh, actually he did, so.

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Speaker 3: That's meaning the what I did, Victoria. Oh, okay. Wendy

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Speaker 3: posted on the Shoes on the Money Facebook community group

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Speaker 3: about asking for a pay rise. So this is what

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Speaker 3: she says. Wendy asks, I've been telling my partner for

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Speaker 3: many years that he's underpaid and should be asking for

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Speaker 3: a pay rise, but he never does, and it drives

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Speaker 3: me nuts. He was painfully shy when we met, just

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Speaker 3: come out of his shell, which is great. However, when

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Speaker 3: we have a conversation about it, he shuts down completely.

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Speaker 3: I'm wondering if there is something that will make him

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Speaker 3: click to ask for that pay rise. Good question, Victoria, Oh.

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Speaker 4: This is not the way I thought you'd ask this question.

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Speaker 4: It's usually I.

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Speaker 6: Want a pay rise? How do I ask? I feel

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Speaker 6: like there's a lot going on there, right. Obviously, confidence

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Speaker 6: is a really big part of asking for a pay rise,

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Speaker 6: but it's all about knowing your worth. Like we need

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Speaker 6: to know our worth and to do that when it

449
00:18:13,400 --> 00:18:15,680
Speaker 6: comes to asking for a pay rise. There are a

450
00:18:15,720 --> 00:18:18,000
Speaker 6: few things we can do to be a bit more confident.

451
00:18:18,280 --> 00:18:20,399
Speaker 6: So firstly, we can look at our job description and

452
00:18:20,440 --> 00:18:22,679
Speaker 6: what we're being paid, and do a little bit of

453
00:18:22,680 --> 00:18:25,479
Speaker 6: Google searching and see what other jobs that fit that

454
00:18:25,600 --> 00:18:28,880
Speaker 6: criteria are actually paying, so that we know we're either

455
00:18:28,920 --> 00:18:31,240
Speaker 6: on the mark, or we're under, or we're over, so we.

456
00:18:31,240 --> 00:18:33,560
Speaker 4: Get a good idea of what the market's doing. The

457
00:18:33,640 --> 00:18:35,920
Speaker 4: second thing we do is look at our job description

458
00:18:36,040 --> 00:18:37,680
Speaker 4: and what we actually.

459
00:18:37,240 --> 00:18:39,920
Speaker 6: Do, because often those true things differ a little bit.

460
00:18:39,920 --> 00:18:41,640
Speaker 6: Like we'll have our job description, but then if we've

461
00:18:41,640 --> 00:18:43,399
Speaker 6: been there for a few years, we might have taken

462
00:18:43,400 --> 00:18:45,960
Speaker 6: on a number of other responsibilities, Like someone might have

463
00:18:46,119 --> 00:18:48,240
Speaker 6: left and you might have absorbed some of their job,

464
00:18:48,320 --> 00:18:51,600
Speaker 6: and now you're actually performing in a completely different capacity

465
00:18:51,920 --> 00:18:54,880
Speaker 6: and that might need to be remunerated differently. It's not

466
00:18:55,000 --> 00:18:57,760
Speaker 6: necessarily about the above and beyond. I know that a

467
00:18:57,760 --> 00:18:59,080
Speaker 6: lot of people will be like, but I put so

468
00:18:59,160 --> 00:19:01,560
Speaker 6: much energy and effort into my job, and it's like, well, yeah,

469
00:19:01,600 --> 00:19:01,960
Speaker 6: but your.

470
00:19:01,840 --> 00:19:03,320
Speaker 4: Boss is going to expect that.

471
00:19:03,640 --> 00:19:05,959
Speaker 6: So let's sit down and go all right, well, what

472
00:19:06,119 --> 00:19:08,560
Speaker 6: is this job actually worth and how does this work.

473
00:19:09,000 --> 00:19:10,919
Speaker 6: One of the things that I really like, not a

474
00:19:10,920 --> 00:19:13,680
Speaker 6: sponsored plug, but something that has been really handy for

475
00:19:13,800 --> 00:19:15,200
Speaker 6: my clients and I is.

476
00:19:15,080 --> 00:19:16,560
Speaker 4: The Hayes Salary Guide.

477
00:19:16,560 --> 00:19:18,439
Speaker 6: If you just google the Hayes Salary Guide, it will

478
00:19:18,520 --> 00:19:20,600
Speaker 6: pop up, and for me, that's one of the most

479
00:19:20,640 --> 00:19:24,600
Speaker 6: comprehensive guides I can find that benchmarks different salaries so

480
00:19:24,680 --> 00:19:27,560
Speaker 6: that you can actually take something and have some research.

481
00:19:27,600 --> 00:19:29,760
Speaker 6: When you sit down with your boss and go I

482
00:19:29,800 --> 00:19:31,879
Speaker 6: want to pay rise, you can go because I know

483
00:19:32,000 --> 00:19:35,560
Speaker 6: the market pays this in this location, So I think

484
00:19:35,560 --> 00:19:37,399
Speaker 6: we also need to sit down and go all right, well,

485
00:19:37,440 --> 00:19:38,439
Speaker 6: why do I deserve this?

486
00:19:38,640 --> 00:19:40,960
Speaker 4: Like if I was my boss, what would be those blockers?

487
00:19:41,000 --> 00:19:43,200
Speaker 6: What are the things that my boss would say no,

488
00:19:43,359 --> 00:19:45,359
Speaker 6: Like I can't afford it, or I can't do this,

489
00:19:45,480 --> 00:19:46,240
Speaker 6: or I can't do that.

490
00:19:46,440 --> 00:19:47,639
Speaker 4: Write down all of those.

491
00:19:47,680 --> 00:19:49,800
Speaker 6: So when you approach your boss, you can say, hey,

492
00:19:50,119 --> 00:19:52,680
Speaker 6: I'd love to have a chat to you about my remuneration.

493
00:19:53,280 --> 00:19:55,720
Speaker 6: Never just waltz into their office with a whole heap

494
00:19:55,720 --> 00:19:57,520
Speaker 6: of papers and be like, we need to talk about

495
00:19:57,520 --> 00:19:57,920
Speaker 6: my pay.

496
00:19:58,359 --> 00:19:59,720
Speaker 4: Organize the time to sit down.

497
00:20:00,160 --> 00:20:03,199
Speaker 6: Can also adequately prepare themselves big a time that they

498
00:20:03,240 --> 00:20:05,560
Speaker 6: won't be too stressed. We did some research in the

499
00:20:05,560 --> 00:20:08,280
Speaker 6: Sheets on the Money community. We find that Thursday is

500
00:20:08,280 --> 00:20:10,800
Speaker 6: the perfect day to usk O pay us because it's

501
00:20:10,800 --> 00:20:12,880
Speaker 6: not the start of the week when people are really stressed.

502
00:20:12,960 --> 00:20:14,879
Speaker 6: It's not Friday when people are just trying to get

503
00:20:14,920 --> 00:20:17,119
Speaker 6: out the door. Gives them enough time to think about it.

504
00:20:17,320 --> 00:20:20,600
Speaker 6: But from my perspective, it's all about research. And another

505
00:20:20,680 --> 00:20:23,560
Speaker 6: hot tip that has been happening in my community has

506
00:20:23,600 --> 00:20:27,159
Speaker 6: been an email folder. So keep an email folder in

507
00:20:27,240 --> 00:20:30,200
Speaker 6: your emails. So when you get good feedback or things

508
00:20:30,200 --> 00:20:32,720
Speaker 6: that you think you've done really well, take a copy

509
00:20:32,760 --> 00:20:35,119
Speaker 6: of that email. Drop it into that folder so that

510
00:20:35,160 --> 00:20:36,760
Speaker 6: when you go to talk to your boss, you're not

511
00:20:36,800 --> 00:20:39,080
Speaker 6: just putting research in front of them, You're putting proof

512
00:20:39,160 --> 00:20:42,160
Speaker 6: in front of them. Because all of us are usually

513
00:20:42,320 --> 00:20:45,760
Speaker 6: terrible at blowing our own trumpets. But if we get

514
00:20:45,800 --> 00:20:47,639
Speaker 6: good feedback and then we're like, oh my gosh, I

515
00:20:47,720 --> 00:20:49,640
Speaker 6: know I got some good feedback throughout the year, where

516
00:20:49,720 --> 00:20:51,960
Speaker 6: is it? It's usually really hard to find, not if

517
00:20:51,960 --> 00:20:54,200
Speaker 6: you have a folder of it, So can you track

518
00:20:54,240 --> 00:20:54,479
Speaker 6: of it?

519
00:20:54,600 --> 00:20:55,800
Speaker 4: Make sure that you're taking to.

520
00:20:55,760 --> 00:20:59,040
Speaker 6: Your boss a very reasonable explanation of why you might

521
00:20:59,119 --> 00:21:03,040
Speaker 6: deserve that. It can actually be a very pragmatic conversation.

522
00:21:03,480 --> 00:21:05,919
Speaker 6: And I think if we can peel our emotions. Away

523
00:21:05,960 --> 00:21:08,240
Speaker 6: from that, it's what is the job that I'm doing

524
00:21:08,240 --> 00:21:11,439
Speaker 6: today worth? How do I articulate what it could be

525
00:21:11,560 --> 00:21:13,439
Speaker 6: worth or should be worth? And then how do I

526
00:21:13,480 --> 00:21:16,600
Speaker 6: sit down and have an educated conversation with my boss

527
00:21:17,000 --> 00:21:18,520
Speaker 6: where they basically can't say no.

528
00:21:18,680 --> 00:21:20,240
Speaker 1: Great tips? All right, if you want to get in

529
00:21:20,280 --> 00:21:22,920
Speaker 1: touch with us, just search. She's on the Money on socials,

530
00:21:23,000 --> 00:21:24,640
Speaker 1: Isn't that right, Victoria Devine.

531
00:21:24,359 --> 00:21:26,679
Speaker 6: Type us into any social media platform when we're there.

532
00:21:26,760 --> 00:21:29,680
Speaker 6: Don't promise it's good on TikTok though. Terrible content there.

533
00:21:29,520 --> 00:21:33,120
Speaker 1: Great content though. Coming up next super save as Saturday, Victoria,

534
00:21:33,160 --> 00:21:35,480
Speaker 1: You're going to give us some sneaky little tips on

535
00:21:35,560 --> 00:21:37,480
Speaker 1: how we can keep more bucks in our bank account.

536
00:21:37,840 --> 00:21:40,320
Speaker 1: That's coming up next on She's on the Money radio show.

537
00:21:40,600 --> 00:21:42,880
Speaker 5: This is She's on the Money radio.

538
00:21:42,640 --> 00:21:45,880
Speaker 1: Show Saturday morning right across this country of ours. It's

539
00:21:45,960 --> 00:21:48,480
Speaker 1: She's on the Money radio show with Australia's number one

540
00:21:48,520 --> 00:21:52,240
Speaker 1: finance podcast of Victoria Divine, Mitch Cheery as well. And guys,

541
00:21:52,280 --> 00:21:54,880
Speaker 1: we're doing all thanks to Budget Direct. Winn're of can

542
00:21:54,960 --> 00:21:58,640
Speaker 1: Stars Insurer of the Year Award twenty twenty two. Budget

543
00:21:58,640 --> 00:22:02,840
Speaker 1: Direct Insurance Solved. But it's time for this simple save

544
00:22:02,880 --> 00:22:05,800
Speaker 1: a Saturday. Yeah, every single week, Victoria, you give us

545
00:22:05,840 --> 00:22:09,520
Speaker 1: some sneaky little tips on Yeah, they definitely are. It's

546
00:22:09,600 --> 00:22:12,080
Speaker 1: kind of like, oh, I shouldn't know about this, but

547
00:22:12,160 --> 00:22:12,560
Speaker 1: I do.

548
00:22:12,680 --> 00:22:14,480
Speaker 4: It's not you shouldn't know. You deserve to know. That's

549
00:22:14,480 --> 00:22:15,199
Speaker 4: why we're telling you.

550
00:22:15,320 --> 00:22:16,040
Speaker 3: Yeah, that's what I mean.

551
00:22:16,080 --> 00:22:18,080
Speaker 1: It's like we shouldn't know because some people are trying

552
00:22:18,080 --> 00:22:20,439
Speaker 1: to keep it a secret, but we're telling you, and

553
00:22:20,480 --> 00:22:22,160
Speaker 1: it's like you're part of some little secret club.

554
00:22:22,240 --> 00:22:23,840
Speaker 4: Yeah, have a little bit of a money win. I've

555
00:22:23,840 --> 00:22:24,480
Speaker 4: got a money win.

556
00:22:24,560 --> 00:22:26,439
Speaker 6: I'm going to save to the very last, which I

557
00:22:26,440 --> 00:22:28,680
Speaker 6: know is going to impact a lot of people around

558
00:22:28,720 --> 00:22:30,920
Speaker 6: Australia at different amounts. But this is a two hundred

559
00:22:30,920 --> 00:22:34,280
Speaker 6: and fifty dollars money win for Victorians. So that's very good.

560
00:22:34,320 --> 00:22:38,480
Speaker 6: But first, cab off the rank guys, generic brand prescription medication.

561
00:22:38,840 --> 00:22:42,280
Speaker 3: I've just discovered this at Yeah, because we've just discovered

562
00:22:42,280 --> 00:22:45,800
Speaker 3: that my partner has anaphylactic he's actually allergic to COVID.

563
00:22:45,840 --> 00:22:46,760
Speaker 3: It's a long story.

564
00:22:46,880 --> 00:22:49,200
Speaker 6: Oh my gosh, I remember you telling us this. This

565
00:22:49,280 --> 00:22:53,000
Speaker 6: is crazy, Like imagine being hit with that stick.

566
00:22:53,080 --> 00:22:55,920
Speaker 3: That's awful, I know. So he needs EpiPens, right, So

567
00:22:56,040 --> 00:22:58,720
Speaker 3: EpiPens are so expensive, and there's a whole discussion we

568
00:22:58,760 --> 00:23:01,360
Speaker 3: could have on those being made cheaper. But we got

569
00:23:01,359 --> 00:23:03,840
Speaker 3: the generic brand epipan, which I didn't even know you

570
00:23:03,840 --> 00:23:05,159
Speaker 3: could do. It was half the price.

571
00:23:05,560 --> 00:23:07,600
Speaker 6: Feel like it's something that a lot of us have

572
00:23:07,680 --> 00:23:10,200
Speaker 6: been asked, right, Like you go to fill a prescription

573
00:23:10,359 --> 00:23:12,320
Speaker 6: and the chemist will say, hey, do you want the

574
00:23:12,359 --> 00:23:14,960
Speaker 6: generic one, and you're like, oh no, Like, just give me.

575
00:23:14,880 --> 00:23:16,480
Speaker 4: What the doctor prescribe.

576
00:23:16,680 --> 00:23:18,880
Speaker 6: I was talking to my pharmacist the other day when

577
00:23:18,920 --> 00:23:20,200
Speaker 6: in the middle of the day and he was having

578
00:23:20,200 --> 00:23:22,800
Speaker 6: a bit of a chat with me, and it's exactly

579
00:23:22,960 --> 00:23:27,080
Speaker 6: the same medication, like same active ingredients, same everything. It

580
00:23:27,200 --> 00:23:29,520
Speaker 6: just comes in a different box and it's a lot cheaper.

581
00:23:29,720 --> 00:23:32,359
Speaker 6: And he was saying he doesn't understand why everyone just

582
00:23:32,400 --> 00:23:34,200
Speaker 6: doesn't default to that, because he's.

583
00:23:34,080 --> 00:23:35,679
Speaker 4: Like, why do you need a name brand? What are

584
00:23:35,680 --> 00:23:36,119
Speaker 4: you going to do?

585
00:23:36,200 --> 00:23:38,080
Speaker 1: Because people just hate budget marketing.

586
00:23:38,400 --> 00:23:41,000
Speaker 4: Yeah, but you're not getting a subpar product.

587
00:23:41,040 --> 00:23:43,880
Speaker 6: It's basically identical in a different wrapping, which I think

588
00:23:43,920 --> 00:23:45,679
Speaker 6: is really important to take into consideration.

589
00:23:45,800 --> 00:23:48,080
Speaker 1: Yeah, agreally know. Unless we were listening to the Shees

590
00:23:48,119 --> 00:23:51,200
Speaker 1: on the Money radio show, Save a Saturday Man, hit

591
00:23:51,240 --> 00:23:51,880
Speaker 1: me with tip two.

592
00:23:51,880 --> 00:23:55,720
Speaker 6: Baby, guys, everybody has that thing in their house that

593
00:23:55,760 --> 00:23:56,920
Speaker 6: they just don't use.

594
00:23:57,480 --> 00:23:59,240
Speaker 4: Sell your unused items.

595
00:23:59,320 --> 00:24:02,000
Speaker 6: We drag Facebook marketplace a little bit, so probably be

596
00:24:02,119 --> 00:24:05,240
Speaker 6: really reasonable about what you're popping online. Otherwise you might

597
00:24:05,280 --> 00:24:08,360
Speaker 6: find yourself on the show. But sell your unused items.

598
00:24:08,400 --> 00:24:10,679
Speaker 6: If you're not using that keyboard because you bought it

599
00:24:10,720 --> 00:24:12,520
Speaker 6: and you thought you were going to teach yourself piano,

600
00:24:12,960 --> 00:24:16,280
Speaker 6: pop it off, chuck it online, get rid of it,

601
00:24:16,400 --> 00:24:17,439
Speaker 6: turn it into cash.

602
00:24:17,720 --> 00:24:18,680
Speaker 4: Use that cash to.

603
00:24:18,760 --> 00:24:22,239
Speaker 6: Pump up your emergency fund, or invest or save, or

604
00:24:22,280 --> 00:24:25,119
Speaker 6: even just take yourself out for a little date. But

605
00:24:25,480 --> 00:24:28,880
Speaker 6: I just think it's so important to always be looking

606
00:24:29,000 --> 00:24:31,800
Speaker 6: for ways to find some extra cash now homes. And

607
00:24:31,880 --> 00:24:33,680
Speaker 6: I'm putting that tip in there because I actually need

608
00:24:33,720 --> 00:24:34,600
Speaker 6: to take that myself.

609
00:24:34,880 --> 00:24:36,200
Speaker 3: What do you have, Victoria, What do you have line

610
00:24:36,200 --> 00:24:37,000
Speaker 3: around that you could sell?

611
00:24:37,119 --> 00:24:40,560
Speaker 6: I've got a treadmill, Like I bought a treadmill during COVID,

612
00:24:40,560 --> 00:24:42,720
Speaker 6: but I bought one of those like flat treadmills, the

613
00:24:42,720 --> 00:24:43,440
Speaker 6: walking pads.

614
00:24:45,440 --> 00:24:47,679
Speaker 3: Yes you watch TV and stand at the desk and

615
00:24:47,680 --> 00:24:47,879
Speaker 3: do it.

616
00:24:47,920 --> 00:24:49,520
Speaker 6: Yes, yes, so I thought i'd do that, but I

617
00:24:49,560 --> 00:24:51,720
Speaker 6: haven't used it, so this is my kick up the

618
00:24:51,760 --> 00:24:54,600
Speaker 6: bottom to either sell it or start using it.

619
00:24:54,840 --> 00:24:56,800
Speaker 3: Or you could repurpose it as an at home sushi

620
00:24:56,800 --> 00:24:57,480
Speaker 3: train and put it in.

621
00:24:59,440 --> 00:25:02,520
Speaker 6: Wow, he just throws food at the wall because it's

622
00:25:02,560 --> 00:25:04,680
Speaker 6: like it doesn't go round in a circle.

623
00:25:04,320 --> 00:25:06,400
Speaker 3: On Speed one Victoria Speed one.

624
00:25:06,520 --> 00:25:08,640
Speaker 6: Or I could get really lazy and put my dog

625
00:25:08,680 --> 00:25:10,320
Speaker 6: on it instead of going for walks.

626
00:25:11,680 --> 00:25:12,280
Speaker 4: She'd do it.

627
00:25:12,400 --> 00:25:15,439
Speaker 1: You leave Lucy alone. Your Bully fIF.

628
00:25:15,359 --> 00:25:16,720
Speaker 4: Three again not sponsored.

629
00:25:16,800 --> 00:25:19,399
Speaker 6: It's actually a government initiative that's going on is the

630
00:25:19,480 --> 00:25:22,399
Speaker 6: two hundred and fifty power saving bonus that is a

631
00:25:22,440 --> 00:25:25,200
Speaker 6: one off two hundred and fifty dollars cash back if

632
00:25:25,200 --> 00:25:28,399
Speaker 6: you upload in Victoria a copy of your energy bill,

633
00:25:28,760 --> 00:25:30,720
Speaker 6: and a heap of people in the Shees on the

634
00:25:30,760 --> 00:25:33,359
Speaker 6: money community have been doing this. You pop online, you

635
00:25:33,440 --> 00:25:35,960
Speaker 6: go to the Compared dot energy dot victor gov dot

636
00:25:36,000 --> 00:25:39,520
Speaker 6: au website, you upload a copy of your energy bill. Bam,

637
00:25:39,640 --> 00:25:41,440
Speaker 6: two hundred and fifty bucks back in your account. It

638
00:25:41,440 --> 00:25:43,080
Speaker 6: doesn't even have to be a two hundred and fifty

639
00:25:43,080 --> 00:25:46,960
Speaker 6: dollars bill. It's just a flat payout free money. And

640
00:25:47,440 --> 00:25:49,280
Speaker 6: last year they had it, but it was only for

641
00:25:49,440 --> 00:25:50,760
Speaker 6: concession cardholders.

642
00:25:51,119 --> 00:25:51,800
Speaker 3: That's crazy.

643
00:25:51,800 --> 00:25:53,840
Speaker 6: Now it's gone, everybody and their dog can get their

644
00:25:53,840 --> 00:25:55,080
Speaker 6: two hundred and fifty bucks back.

645
00:25:56,080 --> 00:25:58,920
Speaker 3: Lucy, Yeah, what a deal.

646
00:26:00,960 --> 00:26:04,119
Speaker 6: Lucy's sleep under the desk. She's so sick of our stuff.

647
00:26:04,119 --> 00:26:05,800
Speaker 6: She's just like, can you get me out of here?

648
00:26:05,840 --> 00:26:06,119
Speaker 3: Guys?

649
00:26:06,359 --> 00:26:08,280
Speaker 6: I want to go to brunch. I know how this works.

650
00:26:08,400 --> 00:26:10,880
Speaker 6: I come record, then my mum takes me to get megs.

651
00:26:10,920 --> 00:26:12,800
Speaker 1: It's funny because that's what we can do, Victoria, but

652
00:26:12,920 --> 00:26:16,480
Speaker 1: mix Chury can't. You are doing Brittain Laura the Life

653
00:26:16,480 --> 00:26:17,400
Speaker 1: on Cut radio show.

654
00:26:17,440 --> 00:26:19,880
Speaker 3: I'm not doing Britain Laura. How dee. They're both very

655
00:26:19,920 --> 00:26:21,480
Speaker 3: respectful women. They wouldn't do me.

656
00:26:22,160 --> 00:26:24,720
Speaker 4: Okay, well you're going to go do their show? Is

657
00:26:24,760 --> 00:26:25,200
Speaker 4: that better?

658
00:26:25,280 --> 00:26:26,680
Speaker 3: Thank you show?

659
00:26:26,880 --> 00:26:29,120
Speaker 1: All right, that's coming up straight after the news. We're

660
00:26:29,119 --> 00:26:31,399
Speaker 1: out of here. We'll be back next week. In the meantime,

661
00:26:31,400 --> 00:26:33,040
Speaker 1: if you want to catch up with this, just search.

662
00:26:33,160 --> 00:26:35,520
Speaker 1: She's on the money on Socials. But until then, we'll

663
00:26:35,520 --> 00:26:36,160
Speaker 1: see you next week.

664
00:26:36,240 --> 00:26:37,480
Speaker 4: See them by you