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Speaker 1: She's on the Money.

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Speaker 2: She's on the Money.

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Speaker 3: Hello, and welcome to She's on the Money, the podcast

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Speaker 3: for millennials who want financial freedom. Welcome to another one

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Speaker 3: of our Friday Drinks episodes where we get to celebrate

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Speaker 3: the money wins from the She's on the Money community,

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Speaker 3: talk a little bit about lockdown being extended, and talk

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Speaker 3: about accountability August, which is super fun. So before we

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Speaker 3: jumped straight into that, I wanted to wrap the week

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Speaker 3: so that we could all get up to speed on

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Speaker 3: exactly what you might have missed. Tony Lodge, what did

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Speaker 3: we miss on Monday's Money Diary this week?

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Speaker 4: Our money diarist on Monday covered a topic that we've

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Speaker 4: never really broached before from a money diary, and she

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Speaker 4: sent her money Diary in to kind of reach out

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Speaker 4: to the Asian community of She's on the Money and

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Speaker 4: talk about the reality of sending money to your parents

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Speaker 4: every week and kind of broke the stigma, all the

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Speaker 4: thoughts around it being mandatory or that you.

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Speaker 1: Have to do it. She kind of explained that she

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Speaker 1: loves doing it.

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Speaker 4: She loves supporting her parents and kind of giving them

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Speaker 4: the support that they gave her when she was a kid.

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Speaker 4: So it was actually so Yeah, it was really really

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Speaker 4: cool and just such a different culture to what I

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Speaker 4: experience or you might experience or whatever. So if you're

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Speaker 4: kind of interested in what that looks like, I'd definitely

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Speaker 4: give it a listen because it was super cool.

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Speaker 3: I loved it, and I actually got a few dms

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Speaker 3: from people in our community who were like, Oh my gosh,

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Speaker 3: I resonated with that so much because I do that

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Speaker 3: with my family, and a couple of them actually shared

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Speaker 3: photos of their families that they've been sending money to,

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Speaker 3: and oh my gosh, it made my heart so and

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Speaker 3: I just am a bit upset that we hadn't broached

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Speaker 3: the topic sooner, because it seems that there are a

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Speaker 3: lot of people out in our community who are sending

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Speaker 3: money home, and to be honest, how noble is that. Like,

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Speaker 3: it's just something that makes me really proud to know

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Speaker 3: people like that.

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Speaker 4: You know, it was really special and, like I said,

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Speaker 4: just something that I've never really thought about or kind

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Speaker 4: of thought. Oh, imagine if you didn't have the money

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Speaker 4: that week, then do you kind of go without dinner

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Speaker 4: because you've got to send money to your parents?

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Speaker 1: And she explained, well, actually, no, if I don't have

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Speaker 1: the money.

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Speaker 4: My mum goes, Okay, that's fine, you know, so it's

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Speaker 4: not as kind of strict or like it's not like

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Speaker 4: paying your taxes, you know.

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Speaker 5: Well, I was just going to say, I lived in Malaysia, right,

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Speaker 5: and there was a lot of chat about what they

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Speaker 5: would call double tax because you get taxed by the

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Speaker 5: government and then I know, taxes doesn't feel like the

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Speaker 5: right word, but like the family takes a cut and

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Speaker 5: the government takes a cut, and they always talked about

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Speaker 5: this double double tax, and then how it is harder

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Speaker 5: for younger people to build personal wealth because you don't

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Speaker 5: build there's no personal wealth, especially in Asian country. It's

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Speaker 5: family wealth, you know what I mean. Like one person wins,

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Speaker 5: we all win. And if you think about even in

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Speaker 5: movies and the culture, you can kind of see that

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Speaker 5: once it's sort of been pointed out that it's like

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Speaker 5: the whole family's rich.

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Speaker 6: We had a lot of really great feedback on socials

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Speaker 6: following on from Monday's posts as well.

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Speaker 3: One girl I was chatting to she was like, as.

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Speaker 6: A person of color, this makes me feel really seen

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Speaker 6: and I'm so excited to see you guys lifting up

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Speaker 6: voices of people, and I hope you can do more

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Speaker 6: of those in the future. And I just wanted to

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Speaker 6: say we obviously are like so grateful and thankful that

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Speaker 6: we get plenty of people sending through their money diaries

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Speaker 6: and wanting to share their stories. But we can only

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Speaker 6: share the stories of people that come through so and

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Speaker 6: like you know, heritage or culture or religion, none of

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Speaker 6: those are prerequisites for being a money direst. And we

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Speaker 6: love hearing diverse stories. So if you do have a

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Speaker 6: story that you would like to share, please send it

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Speaker 6: through to us and outline just a really brief overview

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Speaker 6: of story. We get so many that we aren't able

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Speaker 6: to get back to every single person. I'm really sorry,

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Speaker 6: but we do really try to share a diverse range

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Speaker 6: and the more people, the more stories, and the more

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Speaker 6: backgrounds that we get, the better.

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Speaker 3: We're able to do that. Yeah, and that's so special.

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Speaker 3: Like when we get to share stories, it is honestly

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Speaker 3: my favorite part of my week. It is the best part.

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Speaker 3: But let's move on because I could go on about

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Speaker 3: money diaries literally forever. Jessica, back to you. What happened

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Speaker 3: in this week's Deep Dive. This week on the Deep Dive,

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Speaker 3: week spoke about job interviews and how they can be

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Speaker 3: a really scary, really tough.

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Speaker 6: Thing if you're someone like me who gets super anxious

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Speaker 6: with those high pressure situations. So we went through a

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Speaker 6: really great almost like a checklist of like things you

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Speaker 6: can do beforehand, things you can do in the interview,

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Speaker 6: any like aftercare or follow up, to make you feel

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Speaker 6: like you're super prepped and super empowered to shine your

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Speaker 6: best light.

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Speaker 3: In that interview.

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Speaker 6: Because it is a super competitive market and I think

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Speaker 6: there's a very small number of people who love going

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Speaker 6: in for interviews, and even if it's not your favorite experience,

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Speaker 6: there are some things you can do to put your

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Speaker 6: best foot forward.

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Speaker 1: I love job interviews.

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Speaker 3: How do you love job interview?

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Speaker 1: I love talking about myself?

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Speaker 3: I was literally about to say, I do not know

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Speaker 3: one person who loves job interviews, and you're like outing

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Speaker 3: yourself before I even ask the question. I do why

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Speaker 3: just because you love talking about yourself?

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Speaker 5: Well, in your last job interview, Victoria and I paid

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Speaker 5: for your lunch, So maybe that's it.

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Speaker 1: Hey, it was one coffee and we got rained out

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Speaker 1: and then we had to leave.

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Speaker 3: Sorry are you complaining you got the job?

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Speaker 1: I am all right?

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Speaker 3: No revert to lunch, no problems. We'll talk about this

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Speaker 3: later Tony Lodge. But as always, we are going to

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Speaker 3: go straight into our money wins from the community that

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Speaker 3: Ryan John pulls together. Ryan, what if you got this week?

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Speaker 5: Rachel Morris has a win, and I think all of

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Speaker 5: us can just nod our heads and go what an

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Speaker 5: absolute lord. I found a dress I wanted for an

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Speaker 5: engagement party for one hundred and ten dollars, and like

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Speaker 5: a lot of people in the group say, you know,

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Speaker 5: put twenty four hours between you purchase, you thought I

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Speaker 5: might just see if I really wanted I'll sleep on it.

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Speaker 5: She went back the next week to look at the

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Speaker 5: same dress. Instead of being one hundred and ten, it

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Speaker 5: was thirty the exact same dress, brand new from one

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Speaker 5: hundred and ten to thirty dollars, so she bought it.

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Speaker 5: It was on sale. Well done, goat job. Zara has

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Speaker 5: a good one. I haven't taken any money out of

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Speaker 5: my savings account for sixty three days in a row.

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Speaker 5: Get it. I love that Rebecca Brown. During lockdown, I

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Speaker 5: was bored, so I started playing around making masks because

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Speaker 5: she's obviously good at knitting or sewing, and just wanted

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Speaker 5: to keep busy. You know, we're all driving ourselves insane

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Speaker 5: at home.

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Speaker 3: I would assume sewing. Can you imagine a knitted mask?

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Speaker 5: You cop.

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Speaker 3: Would just go straight through like me, most useless mask.

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Speaker 3: It's like a crochet the KINI also useless.

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Speaker 5: Could I sound any more like a middle aged white

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Speaker 5: guy just trying to explain, Oh, if you just knit

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Speaker 5: it together, you pull off things.

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Speaker 3: Just shaking my head, being like, no, Ryan, Yeah, I

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Speaker 3: didn't knit her.

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Speaker 5: Great story, Ryan, keep telling him. She thought, since she

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Speaker 5: made them, she saidself a goal of I'm going to

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Speaker 5: make five hundred dollars by selling them on Facebook marketplaces

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Speaker 5: in a month?

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Speaker 3: Is it an accountability August goal?

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Speaker 5: Five hundred dollars in a month. Five hundred dollars in

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Speaker 5: a month was the goal. But unfortunately that will not

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Speaker 5: be the result because in the first four days she

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Speaker 5: made one thousand dollars. A thousand dollars in four days.

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Speaker 3: Way to one thousand dollars.

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Speaker 1: Guys, she could bank account.

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Speaker 5: Get the sewing pins and knitting needles out for wild times. Well,

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Speaker 5: and I can confirm I have been in touch with

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Speaker 5: Rebecca today and that one thousand dollars is now up

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Speaker 5: to one thousand and thirty eight because I have purchased

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Speaker 5: some myself and she's sending them to my office. So

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Speaker 5: thank you Rebecca for that. And customer, does.

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Speaker 1: She have like a business name that we can give.

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Speaker 3: A little can we share it? Can you imagine if

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Speaker 3: it was like triple that?

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Speaker 5: Well, she actually said that it's because it's gone wild,

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Speaker 5: like literally in the last week. She can't keep up.

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Speaker 5: But it's in the Facebook group. So let me ask

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Speaker 5: her for some details, and if we get a bit

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Speaker 5: of an update, I can reshare that into the group

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Speaker 5: and a little link or something. Yeah, but she's flat out.

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Speaker 5: I don't want to overwhelm her and send one hundred

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Speaker 5: and eighty thousand people from the group to her website.

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Speaker 5: Her poor knitting hands won't be able to keep up,

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Speaker 5: all right. Melissa said she received a letter from Optis.

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Speaker 5: Now I think this was in the news, so some

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Speaker 5: other people might have had something similar. I received a

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Speaker 5: letter from Optus. They're compensating me a thousand dollars from

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Speaker 5: the NBN that we had two years ago, and I

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Speaker 5: think there was some sort of refund payout. They promised

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Speaker 5: a certain speed that they couldn't end up delivering. It

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Speaker 5: was one of those sort of stories. So, I mean,

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Speaker 5: when you get slow Internet, you kind of just get frustrated.

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Speaker 5: You don't really think about the legalities of it. But

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Speaker 5: she has a check for one thousand dollars as a repayment.

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Speaker 3: That's a good money win. That is, that's the money

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Speaker 3: when you didn't see coming like that's the truest of

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Speaker 3: true money wins.

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Speaker 5: I believe yeap Georgia Baker, And I don't know if

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Speaker 5: you saw this photo in the group. She took a

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Speaker 5: screenshot of her phone because she was on hold for

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Speaker 5: one hour and fifty seven minutes. Oh my god, to

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Speaker 5: get through to on my Gov and Center link. It's

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Speaker 5: been really hard for a lot of people after countless

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Speaker 5: hurdles and on hold for this long. Today, I finally

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Speaker 5: got my disaster payment for being fourteen days in quarantine

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Speaker 5: because she was in a bit of a tricky spot.

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Speaker 5: I can now pay my rent and bills without touching

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Speaker 5: my emergency fund. What a massive relief. And she did

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Speaker 5: point out though that it would have been more stressful

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Speaker 5: obviously if she had not had the emergency fund. At

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Speaker 5: least she would have then had an option to make

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Speaker 5: and she said obviously we never really want to use

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Speaker 5: our emergency fund, but just having it there, it took

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Speaker 5: a lot of stress off, and that, I guess is

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Speaker 5: the whole point of having it so well done.

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Speaker 1: Yeah for sure.

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Speaker 5: Now Kirale Hall will we say. She's a frequent commentor

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Speaker 5: and great value on both Instagram and Facebook. She's all

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Speaker 5: over it money loss. I bought a Nintendo Switch and

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Speaker 5: a whole bunch of games and probably spent more than

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Speaker 5: I would have liked. But I'm in lockdown and I

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Speaker 5: work at Aldi, so I think I deserve it. This

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Speaker 5: is now in my self care slash lockdown win, and

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Speaker 5: I'm taking it.

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Speaker 6: So on your here and shout out to everyone who

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Speaker 6: does work in an essential service, all of our supermarket

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Speaker 6: workers and healthcare professionals. Because it's tough, and I know

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Speaker 6: that sometimes it can be hard when you see everyone

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Speaker 6: else working from home, and obviously everything has its own challenges,

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Speaker 6: but those people who are still getting up and going

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Speaker 6: to work every day, you guys are my heroes.

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Speaker 5: All right, V you've got your phone in your hand,

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Speaker 5: type this into Instagram.

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Speaker 3: I'm on it.

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Speaker 5: Bells dot build. So this is Bala. She is nineteen

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Speaker 5: years old and She's just finished building her own house.

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Speaker 5: She's built her own house and she's nineteen years old.

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Speaker 6: Stop it when you say she built her herself, do

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Speaker 6: you mean like she literally like nailed it together. I

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Speaker 6: mean there's more than nails holding it.

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Speaker 3: Little miss. You sound like Ryan with needing me.

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Speaker 5: I was gonna say, who's worse, me trying to describe

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Speaker 5: how to make a mask or just describing how to

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Speaker 5: build it one.

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Speaker 3: This house is so cute.

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Speaker 5: It's beautiful, isn't it?

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Speaker 3: Like her kitchen like runs rings around mine. The house

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Speaker 3: is cute. The whole thing has been documented.

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Speaker 5: How fun it really is fun? But to answer your question, Jess,

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Speaker 5: there's obviously lots of other trades and specialists and stuff

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Speaker 5: doing it. However, there are a lot of photos of

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Speaker 5: her in the high veers and the work boots on

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Speaker 5: site do it like. I don't know the extent, but

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Speaker 5: she has managed this whole process at age nineteen, way

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Speaker 5: to make the rest of us all feel useless.

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Speaker 3: Bell, and you're terrible, And they sink tap in my

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Speaker 3: bathroom doesn't even have hot water. Thank you.

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Speaker 5: Bell.

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Speaker 3: All right, we are back and today I am so

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Speaker 3: excited about this. Sounds like I'm going into an ad

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Speaker 3: but I'm not. I'm literally going to tell you how

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Speaker 3: to convince the government to give you an extra five

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Speaker 3: hundred bucks in your super which I think is a

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Speaker 3: very exciting thing. I don't think any of you are

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Speaker 3: actually eligible because you guys own too much money. But

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Speaker 3: if you earn under fifty six thousand, one hundred and

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Speaker 3: twelve dollars and you're currently making after tax contributions to

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Speaker 3: your super you could be eligible for the government to

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Speaker 3: make a co contribution of five hundred dollars to your superfund,

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Speaker 3: which is a money win if ever I heard one.

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Speaker 5: That's huge. That's huge. So what do people actually have

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Speaker 5: to do gifted?

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Speaker 6: Right?

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Speaker 5: No?

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Speaker 3: No, no, you don't just get it unfortunately, why not?

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Speaker 3: Why do I make it hard? It's not actually that hard.

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Speaker 1: Just give me the money, please, I promise you.

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Speaker 3: It's really easy. But you've got to know about it.

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Speaker 3: You've got to be in it to win it.

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Speaker 5: Right.

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Speaker 3: So if you make an after tax contribution to your superfund,

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Speaker 3: which you don't claim a tax deduction for so you

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Speaker 3: can't claim it on your tax, then you lodge your

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Speaker 3: tax return and have a total income of less than

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Speaker 3: fifty four thousand eight hundred and thirty seven dollars in

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Speaker 3: the twenty twenty one financial year or the twenty twenty

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Speaker 3: two financial year which is coming up, which is fifty

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Speaker 3: six thousand, one hundred and twelve dollars, you can receive

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Speaker 3: the co contribution, And Tony, you know how you said

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Speaker 3: before they always make you jump through hoops and apply

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Speaker 3: for things. This one. You don't actually have to apply

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Speaker 3: for the co contribute, but you do need to make

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Speaker 3: sure that your super fund has your tax file numbers

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Speaker 3: so they know whether or not that you've claimed your

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Speaker 3: super contributions or not. Then once you've lodged your tax

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Speaker 3: return with the ATO who have super fun guys, they

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Speaker 3: will then use that information to work out your eligibility,

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Speaker 3: and if you're eligible, the ATR will just automatically calculate

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Speaker 3: the amount that is owed to you and put it

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Speaker 3: in your super fund. And I think that's really fun.

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Speaker 3: I don't know about you, guys. You don't seem as

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Speaker 3: enthusiastic about this as me, because you're like, oh, it's

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Speaker 3: five hundred dollars? Is it worth it? Yes? Because I

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Speaker 3: have done the mass because well, here we go.

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Speaker 5: I'm rubbing my hands together. VI how much is it

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Speaker 5: going to be occur? Right? Right?

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Speaker 6: Right?

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Speaker 3: So if we calculated it out and worked out the

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Speaker 3: compounding interest on five hundred dollars, which is an exciting

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Speaker 3: thing to do, because I don't think many of us

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Speaker 3: are like, oh, contributing five hundred dollars to super is

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Speaker 3: it worth it?

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Speaker 1: Is it not? It doesn't sound like very much.

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Speaker 3: It doesn't sound like a lot. But I promise you

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Speaker 3: over the long term, it absolutely is. And if we

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Speaker 3: work off a base rate of seven point five percent,

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Speaker 3: we're not calculating into this any CPR or inflation, So

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Speaker 3: just f yi. But hypothetically, if you were twenty years

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Speaker 3: old and you got an additional five hundred dollars from

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Speaker 3: the government by the time you're almost ready to retire, Tony,

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Speaker 3: do you want to have a stab? How much is

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Speaker 3: that five hundred dollars worth?

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Speaker 1: Five thousand dollars?

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Speaker 3: No, it is twelve thousand, nine hundred and seventy three

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Speaker 3: dollars if you calculated out using the money Smart Government

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Speaker 3: website compounding interest calculator, which I think is so fun.

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Speaker 3: But that's only at seven point five percent, which is

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Speaker 3: pretty conservative. And I just think that that's really fun

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Speaker 3: because in retirement, you could have like twelve grand more

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Speaker 3: simply by thinking about.

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Speaker 4: It now, which is a pretty bougie holiday. Or oh

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Speaker 4: that's a lot of money.

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Speaker 3: At the end of the day, car guys, the government

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Speaker 3: will give you a car that they won't hard. That

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Speaker 3: is also, let's remember, on top of your already existing

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Speaker 3: ten percent super contributions that you are making today, which

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Speaker 3: I think is super fun and that is why super

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Speaker 3: super sexy. And you guys don't agree with me, and

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Speaker 3: that's cool. We can talk about something else. But if

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Speaker 3: you are eligible, I would be looking into that, and

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Speaker 3: that is one of the benefits of she's on the money,

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Speaker 3: because we just want to make you money. We want

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Speaker 3: to make you rich.

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Speaker 7: So basically, the government's not giving you five hundred dollars

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Speaker 7: astros Asterix. We come five hundred dollars, so you're welcome.

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Speaker 3: Yeah, don't say we don't do anything for you. All right,

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Speaker 3: Moving away from supachers. As much as that's a really

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Speaker 3: really exciting you guys don't look as enthusiastic about it

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Speaker 3: as I know you are about our accountability August check in.

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Speaker 3: So let's start with Ryan, Ryan, how are you going

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Speaker 3: with your accountability? August challenge.

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Speaker 5: Well, first of all, I would just like to say

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Speaker 5: thank you to all the people in that She's on

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Speaker 5: the Money group who have been overly supportive, because, as

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Speaker 5: I posted on Friday saying that I'm not going to

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Speaker 5: spend any money on Uber Eats at the same time

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Speaker 5: as Melbourne going back into lockdown, I feel like we're

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Speaker 5: conflicting errors. And there is literally a thousand comments on

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Speaker 5: this post of people being like, lockdown doesn't count, It's

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Speaker 5: totally fine, get your wife divide.

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Speaker 3: Do you need a voucher like we've got you?

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Speaker 5: So take this to yourself and to be honest, And

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Speaker 5: I don't know if this sounds like a bit softy,

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Speaker 5: but obviously we're all bummed out about lockdown. But just

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Speaker 5: reading through that thread of people just like making jokes

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Speaker 5: about it and saying it doesn't count, it was actually

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Speaker 5: pretty funny and put a smile on my face. So

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Speaker 5: that was great. But to answer your question, how's it going?

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Speaker 5: Not well? Not well at all, I think, And I mean,

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Speaker 5: what a great cop out. But when you can't really

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Speaker 5: do much during the day and you don't really have

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Speaker 5: much to look forward to, just being able to have

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Speaker 5: some delicious food that someone else cooked is fantastic, and

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Speaker 5: I just want to share my favorite comment. I don't

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Speaker 5: know if it was a meme or a comment or

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Speaker 5: a tweet or somewhere I saw it, but someone said,

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Speaker 5: getting COVID means you might be short of breath. Getting

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Speaker 5: into lockdown means you're now allergic to all the food

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Speaker 5: already in your fridge. It's no interest. So I definitely

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Speaker 5: feel that. I reckon. I've had uber eats once or

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Speaker 5: it's still actually less once, probably used to.

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Speaker 3: I think it might have been a few more times

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Speaker 3: than once.

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Speaker 5: Ryan John, no once or twice. I think going direct

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Speaker 5: to the restaurant was loop hole. We discussed last week.

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Speaker 5: That may have been exercised again, but I just, I

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Speaker 5: guess more conscious of it as well and not just

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Speaker 5: getting the worst option, even if it's a healthier Uber

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Speaker 5: eat than just always being pizza or burgers or something

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Speaker 5: like that. There are a lot of like I live

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Speaker 5: in Richmond's, there are a good of like really fresh

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Speaker 5: like Vietnamese places and stuff like that. So trying to

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Speaker 5: not still be as fat as I was, But I'm

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Speaker 5: fighting the good fight and still going but loud.

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Speaker 3: If you Ryan, congratulations.

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Speaker 5: Thank you. I appreciate that, jess What is happening though?

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Speaker 5: Where are you up to with yours? Because you were

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Speaker 5: planning on selling a whole step of things on marketplace, right.

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Speaker 4: Which is probably pretty hard if you can't have people

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Speaker 4: coming over.

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Speaker 3: Correct.

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Speaker 6: So I was doing really well week when I had

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Speaker 6: made ninety dollars and then we went bang straight into lockdown,

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Speaker 6: and so I've puperted, shall we say. And I'm selling

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Speaker 6: a lot of stuff on my deepop, which means that

403
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Speaker 6: I can just post things out to people. I like,

404
00:18:12,280 --> 00:18:14,639
Speaker 6: pre bought a bunch of like postage things so I

405
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Speaker 6: don't have to be going out in public super often.

406
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Speaker 6: I can just drop them with my local postbox. But

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Speaker 6: I'm very excited to report I did a big drop

408
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Speaker 6: on the weekend with a heap of like new beauty.

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Speaker 3: Products that I was gaming this system, Jessica, are you?

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Speaker 6: I am currently sitting at a very tidy four hundred

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Speaker 6: and seventy five dollars for week two of lockdown, which

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Speaker 6: is really exciting. There's heaps of stuff, study so much

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Speaker 6: clothes makeup at Jessica Rokey's my deepop handle help a

414
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Speaker 6: girl out.

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Speaker 3: I calm it down.

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Speaker 5: If you've got to help me out. I'm at uber

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Speaker 5: eat Slash Ryan John, So I.

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Speaker 3: Just started I'm going to start charging you guys advertising fees.

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Speaker 6: I feel like being in lockdown has actually been really

420
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Speaker 6: good for me because I had already gone through and

421
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Speaker 6: cleared everything out, but because I've got nothing else to do.

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Speaker 3: I went through having your job.

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Speaker 6: Yeah, but like it's not like I'm commuting or I

424
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Speaker 6: have so much more time. And so I went through

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Speaker 6: my closet again, and I went through my house again,

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Speaker 6: and I was like, oh wow, like there's all this

427
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Speaker 6: stuff that I missed the first time around.

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Speaker 4: There anything left, Jess or are you just like sleeping

429
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Speaker 4: on a milk crate because you've.

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Speaker 3: Jess is just here naked.

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Speaker 6: I have nothing left, No, not at all. But yeah,

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Speaker 6: it's been really good, Tony. How are you going? Because

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Speaker 6: you picked arguably the hardest one.

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Speaker 4: So I committed to a no spend month for the

435
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Speaker 4: month of August. It's the thirteenth of August today, so

436
00:19:47,200 --> 00:19:48,359
Speaker 4: we're about halfway through.

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Speaker 1: It's actually going quite well.

438
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Speaker 4: And like Ryan said before, it just makes you so

439
00:19:53,960 --> 00:19:56,840
Speaker 4: much more mindful. So because in my mind I'm thinking, Okay,

440
00:19:56,840 --> 00:19:59,000
Speaker 4: I no, I can't spend any money. I'm actually not

441
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Speaker 4: just scrolling through online or seeing things on Instagram being like, oh, yeah,

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00:20:03,520 --> 00:20:05,280
Speaker 4: I am going to click the shop now link, because

443
00:20:05,280 --> 00:20:08,600
Speaker 4: I'm like, oh, there's just no point. But I did

444
00:20:08,920 --> 00:20:11,959
Speaker 4: see this coat that I've had my eye on for

445
00:20:12,000 --> 00:20:15,199
Speaker 4: a while, which was one hundred and ninety dollars and

446
00:20:15,359 --> 00:20:19,920
Speaker 4: was down to ninety dollars the other day. I've had

447
00:20:19,960 --> 00:20:22,200
Speaker 4: my eye on it for a while, and I put

448
00:20:22,200 --> 00:20:26,760
Speaker 4: the ninety dollars into my nose spend month up saver,

449
00:20:27,080 --> 00:20:28,600
Speaker 4: so I didn't actually buy the coat.

450
00:20:28,720 --> 00:20:29,520
Speaker 1: I saved the.

451
00:20:29,520 --> 00:20:34,200
Speaker 3: Money self Control. Those c is.

452
00:20:34,240 --> 00:20:41,840
Speaker 5: An unofficial layby Oh maybe at Christmas.

453
00:20:41,880 --> 00:20:44,840
Speaker 4: It's just been really exciting actually, like seeing the changes

454
00:20:44,840 --> 00:20:48,520
Speaker 4: in my habits because of just and being in lockdown

455
00:20:48,520 --> 00:20:51,040
Speaker 4: as well has been like challenge mode for all of us.

456
00:20:52,080 --> 00:20:53,600
Speaker 3: But yeah, it's been really really good.

457
00:20:53,640 --> 00:20:54,720
Speaker 1: I'm really enjoying myself.

458
00:20:54,760 --> 00:20:56,879
Speaker 4: Except I did put something on my story the other

459
00:20:56,960 --> 00:20:59,760
Speaker 4: day about Dixie drumsticks coming back. My gosh, I don't know,

460
00:21:00,040 --> 00:21:02,720
Speaker 4: you guys remember those little crackers, And somebody from the

461
00:21:02,760 --> 00:21:04,440
Speaker 4: community messaged me and said, isn't it a.

462
00:21:04,400 --> 00:21:05,120
Speaker 1: No spend month.

463
00:21:05,359 --> 00:21:12,520
Speaker 4: That's food And I'll be buying the Dixie out of this.

464
00:21:14,280 --> 00:21:17,440
Speaker 3: Stop stop right there. You're going to hold back Dixie

465
00:21:17,520 --> 00:21:19,560
Speaker 3: sticks from a woman in lockdown?

466
00:21:19,960 --> 00:21:21,359
Speaker 1: Thank you?

467
00:21:20,600 --> 00:21:22,240
Speaker 3: I want world guys.

468
00:21:22,880 --> 00:21:25,119
Speaker 5: I like how you probably want to scold them, but like,

469
00:21:25,119 --> 00:21:31,560
Speaker 5: but thanks for listening.

470
00:21:31,800 --> 00:21:34,879
Speaker 3: Tony space guys. She looked like she was about to

471
00:21:34,920 --> 00:21:36,080
Speaker 3: cut someone.

472
00:21:36,800 --> 00:21:39,480
Speaker 4: Instead of me scolding people about my no spend month.

473
00:21:39,520 --> 00:21:42,600
Speaker 4: How are you going taking lunch to work, Victoria?

474
00:21:42,800 --> 00:21:44,160
Speaker 2: How working from home?

475
00:21:44,560 --> 00:21:47,720
Speaker 1: That feels like another loophole, you'd big brain.

476
00:21:48,280 --> 00:21:53,440
Speaker 3: I gamed the system. I am an official genius. I

477
00:21:53,480 --> 00:21:57,280
Speaker 3: cannot not have lunch at home now because we're in lockdown,

478
00:21:57,920 --> 00:22:02,439
Speaker 3: and as of Wednesday, lockdown got extended, so I'm not

479
00:22:02,520 --> 00:22:05,200
Speaker 3: even going to have the opportunity to slip out of this.

480
00:22:05,920 --> 00:22:08,800
Speaker 3: So yeah, exactly, I have been eating lunch at home.

481
00:22:08,960 --> 00:22:11,840
Speaker 3: I can happily report that I am not actually allergic

482
00:22:11,880 --> 00:22:14,320
Speaker 3: to any of the food in my fridge, which is

483
00:22:14,560 --> 00:22:15,119
Speaker 3: very good.

484
00:22:15,440 --> 00:22:17,280
Speaker 1: But that has not been my experience.

485
00:22:17,440 --> 00:22:21,080
Speaker 3: No, but that's okay because that's not your month. Like,

486
00:22:21,160 --> 00:22:23,040
Speaker 3: you can do what you want when it comes to food.

487
00:22:23,280 --> 00:22:25,640
Speaker 3: And I did buy a cheeky dress the other day,

488
00:22:25,680 --> 00:22:28,240
Speaker 3: so that's a bit of a money loss, but it's

489
00:22:28,280 --> 00:22:30,560
Speaker 3: really cute and it'll be good for work, and I

490
00:22:30,600 --> 00:22:34,200
Speaker 3: calculated my cost per ware Tony so that I'm is

491
00:22:34,240 --> 00:22:36,919
Speaker 3: that it all work. But on top of that, not

492
00:22:36,960 --> 00:22:39,480
Speaker 3: only did I wait literally a couple of weeks before

493
00:22:39,480 --> 00:22:43,119
Speaker 3: purchasing it, I also got some validation by sending a

494
00:22:43,119 --> 00:22:45,040
Speaker 3: picture to Jess and saying should I buy this? And

495
00:22:45,080 --> 00:22:47,719
Speaker 3: she said yes? So obviously if Jess yes, it's okay.

496
00:22:48,160 --> 00:22:50,359
Speaker 1: Yeah, Jess controls my finances as well.

497
00:22:51,040 --> 00:22:51,920
Speaker 3: I run a tight ship.

498
00:22:52,960 --> 00:22:55,199
Speaker 5: Can we do an episode VI a deep dive and

499
00:22:55,240 --> 00:22:56,760
Speaker 5: we'll call it Enablers?

500
00:22:57,600 --> 00:22:58,520
Speaker 3: Yes?

501
00:22:59,200 --> 00:23:01,240
Speaker 5: Who is that person in your life that lets you

502
00:23:01,320 --> 00:23:02,919
Speaker 5: do all the spending you don't need to do?

503
00:23:04,480 --> 00:23:08,200
Speaker 3: And this could like extrapolate out into an entire TV

504
00:23:08,440 --> 00:23:10,920
Speaker 3: series And instead of having a TV show called Say

505
00:23:11,000 --> 00:23:13,720
Speaker 3: Yes to the Dress, it's say Yes to Jess and

506
00:23:13,920 --> 00:23:16,600
Speaker 3: we can just ask Jess for permission to buy things

507
00:23:16,600 --> 00:23:18,119
Speaker 3: we don't need. Genius.

508
00:23:18,280 --> 00:23:21,160
Speaker 5: I like that. Will that be coming before after Jess's

509
00:23:21,280 --> 00:23:24,520
Speaker 5: Marketplace manifestations podcast and TV series?

510
00:23:24,560 --> 00:23:27,520
Speaker 3: I think it will probably come as a follow up,

511
00:23:27,560 --> 00:23:31,439
Speaker 3: but I'm also gonna spinnife. I'm also planning on pitching

512
00:23:31,440 --> 00:23:34,679
Speaker 3: to Channel nine the Stock It's like the Block, but

513
00:23:34,720 --> 00:23:38,240
Speaker 3: we build investment portfolios for people and we rate them

514
00:23:38,240 --> 00:23:40,280
Speaker 3: each week. And I'm hoping to get Scottie Cam.

515
00:23:40,520 --> 00:23:44,960
Speaker 6: Yeah, I love Scottie Cam.

516
00:23:45,359 --> 00:23:46,919
Speaker 3: Why did you pick Van Guardy?

517
00:23:47,040 --> 00:23:47,240
Speaker 1: Yes?

518
00:23:47,320 --> 00:23:50,760
Speaker 3: G what's going on there? Victoria? Only if he shows

519
00:23:50,800 --> 00:23:52,000
Speaker 3: up an his shorts and steel caps.

520
00:23:52,040 --> 00:23:56,919
Speaker 1: Tho talk about superannuation.

521
00:23:57,760 --> 00:23:59,920
Speaker 5: Again, dollars.

522
00:24:00,359 --> 00:24:02,320
Speaker 3: You know what, guys, I think we've done here. We

523
00:24:02,400 --> 00:24:06,520
Speaker 3: have done our August accountability check in and I think Jess,

524
00:24:06,720 --> 00:24:08,840
Speaker 3: with that, that is all we have time for today.

525
00:24:09,359 --> 00:24:11,639
Speaker 5: Yeah. V if you want to do the wrap up Tony,

526
00:24:11,680 --> 00:24:13,399
Speaker 5: if you say some other things, Jess, go get some

527
00:24:13,400 --> 00:24:15,920
Speaker 5: cold water for yourself made and just pour it all over. Yeah.

528
00:24:16,000 --> 00:24:18,760
Speaker 3: We'll get straight into that. But just before we head off,

529
00:24:18,760 --> 00:24:21,639
Speaker 3: we would like to acknowledge and pay respect to Australia's

530
00:24:21,680 --> 00:24:25,840
Speaker 3: Aboriginal and torrest Right islander peoples. They're the traditional custodians

531
00:24:25,840 --> 00:24:29,240
Speaker 3: of the lands, the waterways and the skies all across Australia.

532
00:24:29,560 --> 00:24:31,399
Speaker 3: We thank you for sharing and for caring for the

533
00:24:31,480 --> 00:24:34,320
Speaker 3: land in which we are able to learn. We pay

534
00:24:34,320 --> 00:24:36,840
Speaker 3: our respects to elders past and present, and we share

535
00:24:36,880 --> 00:24:38,720
Speaker 3: our friendship and our kindness.

536
00:24:39,119 --> 00:24:41,680
Speaker 1: The advice shared on She's on the Money is generally

537
00:24:41,800 --> 00:24:42,560
Speaker 1: nature and does.

538
00:24:42,440 --> 00:24:46,160
Speaker 4: Not consider your individual circumstances or accountability.

539
00:24:46,200 --> 00:24:49,119
Speaker 1: Augusts on the Money.

540
00:24:48,920 --> 00:24:52,040
Speaker 4: Exists purely for educational purposes and should not be relied

541
00:24:52,119 --> 00:24:55,639
Speaker 4: upon to make an investment or financial decision, and we promise.

542
00:24:55,720 --> 00:24:59,560
Speaker 4: Victoria Devine is an authorized representative of Australia Pacific Funds

543
00:24:59,560 --> 00:25:03,240
Speaker 4: Management Proprietary Limited ABN three four one three two four

544
00:25:03,280 --> 00:25:06,240
Speaker 4: six three two five seven AFSL three three nine one

545
00:25:06,359 --> 00:25:07,240
Speaker 4: five one.

546
00:25:07,359 --> 00:25:09,600
Speaker 5: And if you haven't already joined the Facebook group, there's

547
00:25:09,640 --> 00:25:12,199
Speaker 5: so many conversations there, people sharing tips and ideas and

548
00:25:12,240 --> 00:25:14,000
Speaker 5: saving tax, so it's really great you can catch up

549
00:25:14,000 --> 00:25:17,479
Speaker 5: on all everyone else's accountability August challenges as well. We'll

550
00:25:17,560 --> 00:25:19,320
Speaker 5: jump on over to our Instagram which is shes on

551
00:25:19,320 --> 00:25:20,720
Speaker 5: the Money a US.

552
00:25:20,680 --> 00:25:22,720
Speaker 3: And we are off to get Jess a cold glass

553
00:25:22,720 --> 00:25:24,040
Speaker 3: of water. See you next week