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Speaker 1: Hello, my name is Satasha Nabananga Bamblet. I'm a proud

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Speaker 1: yor the Order Kerni Whoalbury and a waddery woman. And

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Speaker 1: before we get started on She's on the Money podcast,

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Speaker 1: I would like to acknowledge the traditional custodians of the

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Speaker 1: land of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it. She's on the Money, She's on

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Speaker 2: 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: that's here to spice up your relationship with your bank account.

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Speaker 3: Valentine's Days just around the corner, but this year we're

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Speaker 3: ditching the roses and chocolate for something even better.

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Speaker 2: What's better than that?

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Speaker 3: Well, not many things, but whether you're flying solo or

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Speaker 3: in a couple, today we're making money dates the ultimate

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Speaker 3: love language.

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Speaker 2: I'm be excited and with me as always is.

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Speaker 3: The woman who's basically doctor love for your finance. You're right, Victoria, Divine,

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Speaker 3: how are you.

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Speaker 2: I love this. It's giving like late night talk show.

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Speaker 2: It's giving smooth FM. Yes, definite love song dedications. Yes, yes,

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Speaker 2: And I'm like really here for that because like I'm

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Speaker 2: not mad. So she's on the money. We're pivoting. We

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Speaker 2: no longer talk about money. We talk about love. It's

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Speaker 2: a live date show. Oh gosh, I kind of love

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Speaker 2: the doctor love vibes. Yeah, I'm really feeling of energy

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Speaker 2: in this room today. Before we get there, this isn't

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Speaker 2: just for couples. I want to make it really clear

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Speaker 2: from the very beginning of this episode that it's not

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Speaker 2: just for the people who are buddied up. Even if

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Speaker 2: you're single. I genuinely think that a money date with

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Speaker 2: yourself is one of the greatest forms of self love.

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Speaker 2: And I mean it's probably even better to be doing

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Speaker 2: money dates with yourself before you get into a relationship,

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Speaker 2: so that you're even more stable. Another human being is

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Speaker 2: not your financial plan. And if you can put yourself

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Speaker 2: in the best possible position, like you're going to weed

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Speaker 2: out all of the not so nice people to date

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Speaker 2: as well. Yes, Like imagine going into a date that

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Speaker 2: would be overwhelming for the other person. Oh look, I've

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Speaker 2: got all my stuff together. Oh she's serious. Okay, So Beck,

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Speaker 2: whatever your situation, we're making today all about building a

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Speaker 2: love affair with your financial goals sexy, and it really

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Speaker 2: does start with regular money dates. Whether it's with your

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Speaker 2: partner or with yourself. There's lots people to argue with.

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Speaker 2: You're just doing it on your own. Yeah, just you

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Speaker 2: by yourself.

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Speaker 3: Little red wine, a spaghetti bolonnaise, a moment you tie

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Speaker 3: it to like the end of the chair, and then

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Speaker 3: you both meet in the middle and it's just you.

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Speaker 2: You, It's just you and your couch. Oh my gosh.

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Speaker 3: Now I feel like I already know the answer to this.

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Speaker 3: You've kind of explained it very well. But just in case,

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Speaker 3: why should we be going on money dates? Why should

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Speaker 3: we be having these?

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Speaker 2: Because they're better than regular dates? No, you don't you

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Speaker 2: love a real way?

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Speaker 3: Do you love your day?

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Speaker 2: Your date? You're like the most above and beyond person

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Speaker 2: when it comes to like organizing a date. Last week,

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Speaker 2: you were like, it's date night tonight, and I was like,

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Speaker 2: oh cute, what are you doing? And you like whipped

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Speaker 2: out in your bag a full curated menu, you'd like

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Speaker 2: graphic designed it up. You're like Okay, so this is entree.

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Speaker 2: This is main. My partner's not currently into dessert, but

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Speaker 2: I'm gonna have some options on the table anyway. So

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Speaker 2: we've britten them down, Like, what are you doing?

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Speaker 3: You've got such a great memory because it was cool.

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Speaker 2: This is a perfect example of why being straight is

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Speaker 2: not a choice.

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Speaker 3: Ah, yes, yes, see.

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Speaker 2: Well everyone want to be in a relationship with a girl.

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Speaker 3: If that's what they did, I know that's it. It

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Speaker 3: was just, you know, not to brag, but it was

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Speaker 3: just a regular old date. Now it was a Tuesday.

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Speaker 3: It was a Tuesday. But this is the thing, is

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Speaker 3: that I spent more than I should have. And so

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Speaker 3: this is why money dates are probably very important, which.

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Speaker 2: Is good and for couples, a regular money date it's

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Speaker 2: really about building trust and building that dream life together

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Speaker 2: and avoiding the dreaded conversation of why is there no

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Speaker 2: money in our joint account? Oh that's not very fun.

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Speaker 2: They spent it on Fkashia dough. It was worth it.

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Speaker 2: Did that recipe work? I'm so glad? All right, all right,

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Speaker 2: thank you? And if you're single. On the flip side,

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Speaker 2: it's really about I guess self love and that is

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Speaker 2: honestly one of the most empowering forms of getting clear

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Speaker 2: on what you really want and not only how you're

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Speaker 2: going to get it, but how you're going to attract it.

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Speaker 2: And I think that that's I don't know, really sexy.

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Speaker 3: That's hot. Invite yourself out right note saying will you

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Speaker 3: go on a date with me? Now?

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Speaker 2: Leave it on your desk. Got work, that's exciting? Maybe

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Speaker 2: one little rose? Okay, send yourself flowers name. I love that. Okay.

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Speaker 3: So if we want to go on a money date,

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Speaker 3: what's the first step other than writing yourself a note?

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Speaker 2: Okay? So you're not just going to plan it and

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Speaker 2: then tell your partner. By the way, tonight we're having

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Speaker 2: a money date, m because I can guarantee that's not

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Speaker 2: going to go down anxiety. Not everybody is in the

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Speaker 2: same headspace to talk about money. Yes, not everybody is

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Speaker 2: ready for that conversation. So I think floating the idea

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Speaker 2: of oh, beck, we should be doing some like regular

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Speaker 2: money dates. What are they saying, how are they responding

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Speaker 2: on's their body language?

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Speaker 1: Like?

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Speaker 2: When you are floating that question, are they open to it?

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Speaker 2: We're not saying if they're not open to it, don't

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Speaker 2: do it. We're saying, get them bought into the idea

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Speaker 2: of having regular money dates, because you need them to

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Speaker 2: be able to be in the right headspace for it

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Speaker 2: to be productive, because there's nothing worse than going into

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Speaker 2: something and being like, Hey, beck I want to have

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Speaker 2: a chat with you about XYZ. I don't really want

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Speaker 2: to talk about this right now. So you're evasive and

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Speaker 2: you don't get very deep answers and you don't really

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Speaker 2: have any thought behind it. You're like, oh, yeah, whatever

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Speaker 2: you want to do, Like that's so unhelpful. And I

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Speaker 2: think also putting it in the diary, so we're not

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Speaker 2: just saying, oh, we should do these money dates and

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Speaker 2: then not doing them. I think it's about diarize it,

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Speaker 2: like open your Google calendar, even if it's just for

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Speaker 2: you and pop a time in there, because when you

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Speaker 2: write something down or you schedule it, you're actually more

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Speaker 2: likely to do it. There's actually a thing that called

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Speaker 2: implementation intension. If you link a specific action like your

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Speaker 2: money date, to a set time in a calendar, it

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Speaker 2: makes it feel like a real legitimate thing. And that

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Speaker 2: sounds really fluffy, but the studies around this implementation intension

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Speaker 2: showed that it can actually boost your chances of following

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Speaker 2: through by more than fifty percent. Oh so, And I

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Speaker 2: feel like that's the same for any goal you're setting, right,

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Speaker 2: Like if you're just going to say, oh, you know,

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Speaker 2: I want to buy a new car this year, and

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Speaker 2: that's and crickets and no plan, Yeah, how likely is

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Speaker 2: that going to happen? Like that's just a wish? But

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Speaker 2: if you go, Okay, I want to buy a new

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Speaker 2: car this year, and then you like make a little

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Speaker 2: plan and go, I think I'm going to do that

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Speaker 2: in June? Okay? Can I do that when in June?

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Speaker 2: Like when should I start shopping? Are you more likely

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Speaker 2: to achieve that?

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Speaker 4: Yeah?

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Speaker 2: I can see that. And if that sounds too hard

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Speaker 2: back and let me hold your hand, well, I say

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Speaker 2: this with a lot of love. If you can commit

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Speaker 2: to binging an entire Netflix series for entire weekends doing it,

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Speaker 2: I promise you you have the time to schedule just

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Speaker 2: an hour a month for a money day, Like we

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Speaker 2: need to get our priorities straight. And sometimes I need

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Speaker 2: to put the hard word on you and be like

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Speaker 2: I know that you're saying you don't have time, but

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Speaker 2: are you like me? Beck And did you spend last

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Speaker 2: night scrolling for an hour and a half phone on

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Speaker 2: TikTok while you said that you were going to go

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Speaker 2: to a bit.

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Speaker 3: Well, that's true, but it was very fun. Some people

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Speaker 3: are coming from different money situations and lives, and for

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Speaker 3: some reason, whenever people bring up money with me, especially

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Speaker 3: if they're maybe from somewhere more well off or they're

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Speaker 3: a little bit better with money, I instantly have this

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Speaker 3: anxiety in my body.

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Speaker 2: No, I want that. How do we work through that?

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Speaker 3: And that's the thing is that if you're conscious of that,

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Speaker 3: I don't make you feel like No, you don't maybe

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Speaker 3: feel like that unless you actually ask me on a

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Speaker 3: money day, then maybe I'll start feeling stressed out.

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Speaker 2: I don't want you to be stressed about money, but

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Speaker 2: if that's how you're feeling, you need to go back

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Speaker 2: and look at your money story. Yes, so true. If

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Speaker 2: you grew up in a situation where money was really

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Speaker 2: scarce peck and you've spoken about this before, not having

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Speaker 2: money is such a significant stress that it triggers a

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Speaker 2: physiological response in your body. Yes, you get that pit

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Speaker 2: in the bottom of your stomach, you get a little

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Speaker 2: bit uncomfortable, You're not sure what to do, with your hands.

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Speaker 2: You don't mean to do that. That's not you choosing

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Speaker 2: to act like that. That's your body going trauma stress.

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Speaker 2: I'm gonna repulse from this, essentially, and that means that

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Speaker 2: we need to dive a little bit deeper. I don't

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Speaker 2: want you to be uncomfortable, but I want to talk through. Okay, back, like,

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Speaker 2: you're in a situation. Now, you're safe, you're grounded. You

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Speaker 2: have a full time income, and it's a good full

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Speaker 2: time income. That's not the situation you were in. Talk

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Speaker 2: me through. You know what happened historically to make you

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Speaker 2: feel like that. And it could be, oh, we never

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Speaker 2: had enough money growing up and it was a stress,

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Speaker 2: and you know, there's a million different things that could

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Speaker 2: come up there. If you're like, oh, I just don't

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Speaker 2: know why I feel like that, have a think about

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Speaker 2: your physiological response. So, okay, where are you feeling sick?

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Speaker 2: Feeling sick in your tummy? Okay, Usually that's linked to anxiety.

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Speaker 2: So if you're feeling sick about a situation because somebody

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Speaker 2: mentioned something, we're not talking about gastro right, Like, you

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Speaker 2: could be sick for another reason, and that's true, true,

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Speaker 2: You just don't have gastro, but were going into this

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Speaker 2: and if you've got kids in daycare, very likely gastro.

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Speaker 2: But have a think about that and go okay, cool, Like,

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Speaker 2: this feeling is really uncomfortable. I'm not saying you do

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Speaker 2: have anxiety, bit it could be linked to being anxious

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Speaker 2: about money. Yes, why when I think about spending? Am

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Speaker 2: I feeling anxious about money?

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Speaker 3: Like?

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Speaker 2: You might not be able to remember exactly why, because

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Speaker 2: the brain is incredible. The brain is actually insanely smart,

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Speaker 2: and if you have experienced trauma, it does what's called

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Speaker 2: trauma blocking, so it actually stops you from remembering a

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Speaker 2: lot of things that trigger those responses. But you know what,

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Speaker 2: it's dumb at do we stopping the response? Ah?

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Speaker 1: Good?

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Speaker 2: So like it'll block you from remembering what happened. But

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Speaker 2: then when you experience a trigger, you'll still feel sick

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Speaker 2: about it and you'll be like boh ah low key rude. Yeah,

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Speaker 2: very unhelpful.

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Speaker 3: It also makes you feel a little bit crazy, but

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Speaker 3: exactly notice so true.

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Speaker 2: We need to work through that. We do. So if

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Speaker 2: money dates are something that you're like, absolutely not they

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Speaker 2: I'd love you to go back and listen to our

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Speaker 2: episodes on money Stories and what that might mean. There's

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Speaker 2: a lot of content on our podcast that talks you

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Speaker 2: through that maybe doing a little bit of journaling sitting down.

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Speaker 2: You don't have to share this with anybody. Your money

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Speaker 2: story is actually personal. Yes, so it's actually none of

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Speaker 2: anybody else's business. And if journaling feels a little bit

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Speaker 2: risky because I don't know, beck I get anxious writing

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Speaker 2: things down? Yeah, what if somebody finds this? Yeah, Like

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Speaker 2: I know it's a really productive thing to like journal because,

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Speaker 2: like I've heard, putting it on paper is a really

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Speaker 2: good thing. But like what if my husband reads it

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Speaker 2: thinks I'm a bit du lulu? Yeah? Or like what

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Speaker 2: if I kind of sound like a loser? Exactly? Do

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Speaker 2: you know what you can do later? Can burn the paper?

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Speaker 2: You could, so we could do the task. No one

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Speaker 2: needs to see it. Yes, you don't even need.

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Speaker 3: To REREADO put in a locked folder.

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Speaker 2: So there's lots to do. And I think that really

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Speaker 2: touching on money stories here. If this is bringing up

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Speaker 2: that icky feely yes, and that much a good idea.

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Speaker 3: My one in particular comes from like I'm worried that

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Speaker 3: people will understand because they haven't lived the same life.

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Speaker 3: But like, if everyone approaches this with gentleness, kindness, openness.

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Speaker 3: Everyone kind of has a different journey and so if

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Speaker 3: we just kind to one another will be okay. So

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Speaker 3: you've really kind of got me feeling a bit more

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Speaker 3: comfortable outside, dear, and maybe I need to schedule mine

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Speaker 3: in with Jess or just myself. So once I've done

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Speaker 3: that and the date day is here, what are we

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Speaker 3: doing first?

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Speaker 2: Oh, we're going to make it a legit date. Like

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Speaker 2: I want you to look forward to these money days.

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Speaker 2: A pizza absolutely, if that's what you're into, order pasta,

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Speaker 2: if you're comfortable, you could go out for dinner. I'm

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Speaker 2: a bit du lulu, So like, if you ask me

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Speaker 2: to justify spending, I can help you. I'm definitely not

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Speaker 2: one of those financial independents retire early who is going

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Speaker 2: to save all of their money for a rainy day. Like,

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Speaker 2: if you need help justifying a purchase baby cakes, I

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Speaker 2: am your girl. So if you need to go out

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Speaker 2: for dinner to make this something that you really look

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Speaker 2: forward to, let's see that as an investment in your

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Speaker 2: financial health. And I'm not saying go and spend and

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Speaker 2: you know, get into a whole heap of debt. But

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Speaker 2: I do think we need to do something that makes

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Speaker 2: it worth looking forward to. I want this to be

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Speaker 2: something that you go it's money date night, And it's

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Speaker 2: kind of like that sweet treat theory where beck we're

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Speaker 2: going to have to go and do this like god

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Speaker 2: awful presentation at work or whatever, and we're not looking

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Speaker 2: forward to it. But if you do that, we'll go

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Speaker 2: out for a sweet treat after, do you know me?

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Speaker 2: And you kind of like go, oh, this might be

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Speaker 2: worth it. Yeah, it's very exciting all of a sume exactly.

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Speaker 2: It's kind of like having a day at work where

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Speaker 2: the sun is really beautiful outside and the weather is perfect,

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Speaker 2: and knowing that the beach is waiting because you get

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Speaker 2: to finish work at three pm. Good Like, it's a

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Speaker 2: good deal. So we want to create the good deal

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Speaker 2: for ourselves because otherwise we're going to do one money

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Speaker 2: date and full of the bandwagon. So if you want,

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Speaker 2: you could light a candle, you could pour your favorite drink,

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Speaker 2: you could get some fancy cheese. You could make a

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Speaker 2: whole vibe like Audi cheese platters underrated. Their cheeses are,

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Speaker 2: their biscuits are very good. Make a little Audi cheese platter.

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Speaker 2: We all know that my favorite rose is La Mule

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Speaker 2: from Audi Gorgeous a bottle which, to be honest, like

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Speaker 2: fourteen ninety nine, you're gonna want to hope that it's

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Speaker 2: a good bottle of wine. Yeah, you can get cheaper,

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Speaker 2: but that's also you can definitely get cheaper, but it

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Speaker 2: is very very nice wine. And don't get me wrong,

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Speaker 2: Like a few people might be like Victoria, I've seen

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Speaker 2: your Instagram stories when you drink very expensive wine. Sometimes, yeah,

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Speaker 2: I do. Like I'm very lucky. Like my husband and

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Speaker 2: I we love a good bottle of red. I'm not

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Speaker 2: gonna lie, but like, when it comes down to it,

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Speaker 2: I'm still budget. Day to day, I do have a

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Speaker 2: little splurge item, don't get me wrong, but like day

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Speaker 2: to day, if I'm planning a money date with my husband,

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Speaker 2: I feel like ten dollars is like a normal amount

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Speaker 2: for a bottle of wine. Oh yeah, you know, I'm

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Speaker 2: probably gonna spend a little bit more if I'm going

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Speaker 2: to a friend's house and like taking a bottle of wine.

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Speaker 2: But if you're having wine at home, no more than

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Speaker 2: ten bars, you reckon.

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Speaker 3: What's your theory is the theory if your favorite is

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Speaker 3: the fourteen ninety nine one go for that. But generally,

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Speaker 3: when I'm just by myself, I'm at home or I'm

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Speaker 3: having a friend over and we're really doing low key,

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Speaker 3: I personally am max seven dollars.

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Speaker 2: I feel like everyone has a theory. They have a theory,

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Speaker 2: they do they But anyway, you're going to hopefully create

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Speaker 2: a situation where you feel a lot of connection with

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Speaker 2: your partner. So whether that is your partner or you're

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Speaker 2: in a financial boss like, I don't mind, but we're

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Speaker 2: just going to make it something that you're kind of

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Speaker 2: low key looking forward to. Yeah, that's very cool. Like

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Speaker 2: we're going to talk about the money like an hour,

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Speaker 2: but you could have like a three hour date.

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Speaker 3: Yeah, it could be very romantic, it could be cute,

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Speaker 3: and also it's kind of like you're talking about your future.

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Speaker 3: That's cute exactly. So how about you and Steve, how

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Speaker 3: do you do your money date?

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Speaker 2: Our last money date was actually at a bar called Harvey,

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Speaker 2: which is funny because that's my Sun's Day. It's actually

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Speaker 2: just lokey, really cute bar out in Armidale, which is

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Speaker 2: semi near where we live. We ordered a heap of

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Speaker 2: little antipasto things. We usually go on a weeknight because

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Speaker 2: it's too hard to go out on like a Friday

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Speaker 2: or a Saturday night, Like I feel like it's just

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Speaker 2: too busy, like everyone wants to be at the cute

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Speaker 2: wine bar Wednesday night, though no one's there. There was

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Speaker 2: a few people, but like kind of empty. I did

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Speaker 2: a few little antipasto things. I had a cocktail, and

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Speaker 2: we just talk about the things we want to achieve,

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Speaker 2: Like we were talking about, okay, should we go like

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Speaker 2: obviously bigger things. We talk about our budget. We go

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Speaker 2: through you know, what are we spending, what are we saving?

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Speaker 2: Like do we have goals for this year? Ali on

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Speaker 2: track to meet them. We talked a lot actually about

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Speaker 2: daycare fees this last money date, because obviously having a

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Speaker 2: child in daycare, it's a lot of money, but also

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Speaker 2: it's our first year doing it, so we're kind of navigating.

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Speaker 2: This is a new item on our budget. We've talked

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Speaker 2: about holidays, so we're really lucky that we are in

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Speaker 2: the financial situation where a holiday could be possible. We

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Speaker 2: haven't planned anything though, because we went on a big

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Speaker 2: holiday last year. Sure, I was kind of like, oh,

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Speaker 2: I would actually prefer to save. And don't get me wrong, Beck,

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Speaker 2: I don't want you to think RV's being budget to

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Speaker 2: be relatable. Like, at the end of the day, I

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Speaker 2: did not grow up rich like I grew up and

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Speaker 2: money was relatively scarce, like we always had everything that

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Speaker 2: we needed provided for us, like I never quote missed out,

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Speaker 2: but money was stressful, Like it was something that we

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Speaker 2: didn't talk about. It was something that, you know, was

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Speaker 2: a bit overwhelming for me. And that's kind of what

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Speaker 2: led me to making such bad money decisions in my

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Speaker 2: early twenties, which is again fine, but that doesn't mean

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Speaker 2: that because I now have more money, that has changed. Like, yes,

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Speaker 2: we can afford nice holidays, and we have been on

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Speaker 2: a few of them. But in my head, I'm like,

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Speaker 2: you go on a nice holiday every second year, sure,

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Speaker 2: and that's still a privilege. But I just said to Steve, no,

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Speaker 2: absolutely not. So we talked about that stuff. We talked

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Speaker 2: about smaller things like, oh, what's our emergency fund? Looking

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Speaker 2: like I was talking to Steve about potentially getting our

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Speaker 2: mortgage refinanced. Okay, so like we've got our mortgage and

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Speaker 2: we are currently not on a fixed interest rate, and

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Speaker 2: you know, I don't really want to lock in an

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Speaker 2: interest rate right now because our interest rates, hopefully by

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Speaker 2: the end of this year, are going to go down,

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Speaker 2: so I don't want to commit to something now to

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Speaker 2: go down later. But we talked about that because right

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Speaker 2: now I feel like it's a little bit higher than

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Speaker 2: it should be. And I called our bank. I obviously

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Speaker 2: have a broker haha, Zella money, but I called our

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Speaker 2: bank myself to see if I could get a lower rate,

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Speaker 2: and they couldn't do it. And I've seen lawer rates

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Speaker 2: from other banks, so I'm like, is it worth moving?

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Speaker 2: Like I like our bank. I like the facilities we

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Speaker 2: have because we've got like an offset account, so we

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Speaker 2: put all of our savings and all of our money

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Speaker 2: that we earn into an offset account, and then we

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Speaker 2: spend from that so that you know our money is

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Speaker 2: working hard. Literally the way I spend money and like

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Speaker 2: do my banking is how I teach you guys in

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Speaker 2: the Money masterclass, So if you're interested, that's how I

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Speaker 2: do it. But yeah, we just had a chat about

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Speaker 2: money and life, and I feel like those conversations about

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Speaker 2: money then stretched into like our values and what we

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Speaker 2: want to achieve, and like now I'm reflecting on it.

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Speaker 2: That daycare conversation moved into oh, what would that look

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Speaker 2: like if we had multiple kids, Like, you know, how

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Speaker 2: much would that cost us a year? At the moment,

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Speaker 2: Harve is in daycare for two days? What would three

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Speaker 2: days look like?

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Speaker 1: Like?

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Speaker 2: It's a lot of like brainstorming time as opposed to

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Speaker 2: just line items in a budget. So we do go

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Speaker 2: through the budget. We've got that on our phone on

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Speaker 2: the spreadsheet, went through that, but then it's all about,

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Speaker 2: I guess, you know, what are we spending? What does

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Speaker 2: this look like?

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Speaker 1: Oh?

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Speaker 2: How much is rejo for our cars combined? Okay, it's

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Speaker 2: that like how do we feel about that? Lots of

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Speaker 2: questions like that that. I feel like people think a

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Speaker 2: money date is sitting down and like really holing into

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Speaker 2: the spreadsheets and is at the start, especially if you

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Speaker 2: don't have a budget right now and you're trying to

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Speaker 2: set one up for you and your family or yourself.

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Speaker 2: But for us, it was like, I don't know, a

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Speaker 2: little bit aspirational as well, like all things we want

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Speaker 2: to achieve, like not right now, but one day we

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Speaker 2: would like a bigger house because you know, not complaining

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Speaker 2: beautiful home, but it's really small and if we have

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Speaker 2: other kids, like, we don't have room for other kids back. Yeah,

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Speaker 2: so we're like, oh maybe one day and I was like, mate,

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Speaker 2: bunk beds.

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Speaker 3: Yeah, like absolutely.

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Speaker 2: Yeah. So it's all of those conversations. Okay, the kind

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Speaker 2: of like intertwine into a budget conversation. Yeah, cute because

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Speaker 2: I think that if I said to you, sit down

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Speaker 2: and have a money date with your girlfriend Jess, you

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Speaker 2: just think it's about going through budget and how much

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Speaker 2: she spends versus what you spend. But it's also about

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Speaker 2: values and what you're trying to achieve and yeah, what

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Speaker 2: that looks like and honey, are you happy with your job?

432
00:20:24,960 --> 00:20:28,040
Speaker 2: Like it goes into conversations like that of you know,

433
00:20:28,119 --> 00:20:29,679
Speaker 2: what do you want with the next steps of your

434
00:20:29,720 --> 00:20:31,520
Speaker 2: career and what do I want with the next steps

435
00:20:31,520 --> 00:20:33,480
Speaker 2: of mine. It's actually just so lovely to make sure

436
00:20:33,520 --> 00:20:34,720
Speaker 2: they're always on the same page.

437
00:20:34,720 --> 00:20:37,560
Speaker 3: It's q and you're kind of like relearning each other. Yeah,

438
00:20:37,640 --> 00:20:40,480
Speaker 3: let's talk about work stuff and what we want to be.

439
00:20:40,880 --> 00:20:44,000
Speaker 2: It's an event really, so I think so like I

440
00:20:44,200 --> 00:20:44,640
Speaker 2: like them.

441
00:20:44,920 --> 00:20:48,480
Speaker 3: Yeah, So music's playing, we've got to drink. The vibes

442
00:20:48,520 --> 00:20:50,440
Speaker 3: are high, and what should we start with.

443
00:20:50,680 --> 00:20:52,800
Speaker 2: As I said, I feel like, if you've not done

444
00:20:52,840 --> 00:20:56,720
Speaker 2: this before, we really want to be starting with conversations

445
00:20:56,760 --> 00:20:59,440
Speaker 2: around why we want this, like why do we want

446
00:20:59,440 --> 00:21:01,560
Speaker 2: to have money? We want to be on the same page.

447
00:21:01,640 --> 00:21:04,359
Speaker 2: I want to be talking about celebrating the month that was,

448
00:21:04,400 --> 00:21:07,840
Speaker 2: Like you could do that money wins and confessions. If

449
00:21:07,840 --> 00:21:09,320
Speaker 2: you had a money when this month there, can you

450
00:21:09,440 --> 00:21:11,280
Speaker 2: be like, oh my gosh, yes, when I was grocery

451
00:21:11,280 --> 00:21:15,440
Speaker 2: shopping XYZ or got a confession, you'd be like, yes, coffee.

452
00:21:15,760 --> 00:21:17,800
Speaker 2: Do you know what I mean? Like, there's definitely things

453
00:21:17,840 --> 00:21:19,560
Speaker 2: that could come up and make it a little bit

454
00:21:19,600 --> 00:21:22,280
Speaker 2: more fun. I don't want you to have boring dates,

455
00:21:22,840 --> 00:21:25,520
Speaker 2: Like money doesn't have to be boring. It can be fun.

456
00:21:25,920 --> 00:21:29,360
Speaker 2: So I think it's about reflecting on what you've achieved,

457
00:21:29,440 --> 00:21:31,920
Speaker 2: maybe what you could do better. But if you've never

458
00:21:31,960 --> 00:21:34,040
Speaker 2: done this before, it would be about sitting down and going,

459
00:21:34,160 --> 00:21:36,359
Speaker 2: how do you feel about a budget before you even

460
00:21:36,359 --> 00:21:40,080
Speaker 2: feel one in if we do a budget together, what

461
00:21:40,119 --> 00:21:42,240
Speaker 2: would that look like to you? And your partner? May go,

462
00:21:42,280 --> 00:21:43,639
Speaker 2: I don't know if I want to do a budget.

463
00:21:43,680 --> 00:21:46,880
Speaker 2: Back feels a bit restrictive. Okay, well, let's make sure

464
00:21:46,880 --> 00:21:48,920
Speaker 2: that it's not a restrictive budget. Let's make sure it's

465
00:21:48,960 --> 00:21:51,440
Speaker 2: just reflective of what we spend so that we understand

466
00:21:51,840 --> 00:21:54,280
Speaker 2: every dollar that comes in and every dollar that goes out.

467
00:21:54,520 --> 00:21:57,080
Speaker 2: Does that feel better? Oh yeah, Actually that would be

468
00:21:57,119 --> 00:21:59,080
Speaker 2: really helpful because I'd love to know what I spend

469
00:21:59,119 --> 00:21:59,600
Speaker 2: on X.

470
00:21:59,680 --> 00:22:00,399
Speaker 4: Or y Z.

471
00:22:00,920 --> 00:22:04,160
Speaker 2: So I feel like it's not just about patting yourself

472
00:22:04,200 --> 00:22:06,480
Speaker 2: on the back and being like, oh, good job, Beck, woo.

473
00:22:06,640 --> 00:22:09,840
Speaker 2: It's actually psychology one oh one. When you acknowledge the

474
00:22:09,880 --> 00:22:14,360
Speaker 2: progress that you've already had, it releases dopamine and we

475
00:22:14,400 --> 00:22:18,639
Speaker 2: love dopamine. Yes, And you're literally training your brain to

476
00:22:18,800 --> 00:22:22,080
Speaker 2: crave that feel good feeling so that you keep making

477
00:22:22,119 --> 00:22:23,000
Speaker 2: positive changes.

478
00:22:23,119 --> 00:22:23,359
Speaker 1: Yeah.

479
00:22:23,440 --> 00:22:26,280
Speaker 2: Okay, Like if your partner sat down every single month

480
00:22:26,560 --> 00:22:31,119
Speaker 2: and I've essentially helped celebrate you and what you've achieved,

481
00:22:31,160 --> 00:22:33,640
Speaker 2: and I said coffee before. If you're playing along at home,

482
00:22:33,880 --> 00:22:35,920
Speaker 2: the reason I mentioned coffee is, Beck, what's your goal

483
00:22:35,960 --> 00:22:36,880
Speaker 2: this year for coffee?

484
00:22:36,960 --> 00:22:38,840
Speaker 3: Well, I'm not going to spend any money on coffee,

485
00:22:38,880 --> 00:22:40,040
Speaker 3: not going to buy coffee anything.

486
00:22:40,160 --> 00:22:40,360
Speaker 1: Yeah.

487
00:22:40,400 --> 00:22:42,040
Speaker 2: But if your partner sat you down and said, Beck,

488
00:22:42,080 --> 00:22:44,280
Speaker 2: how's that going, and you go, oh my gosh, another month,

489
00:22:44,359 --> 00:22:46,960
Speaker 2: I've slaid it. I've done so good. I didn't do it.

490
00:22:47,320 --> 00:22:49,920
Speaker 2: I make coffee at work. Like, imagine if we're celebrating

491
00:22:49,920 --> 00:22:52,159
Speaker 2: that every single month. Instead you're setting that intention at

492
00:22:52,200 --> 00:22:54,639
Speaker 2: the start of the year and then nobody asking about it.

493
00:22:54,800 --> 00:22:56,680
Speaker 3: Yeah. True, and then you're kind of like one day

494
00:22:56,680 --> 00:22:58,840
Speaker 3: you wake up time and you're like, oh, who cares

495
00:22:58,960 --> 00:22:59,960
Speaker 3: any exactly.

496
00:23:00,119 --> 00:23:02,159
Speaker 2: But imagine if there was a schedule check in and

497
00:23:02,160 --> 00:23:04,240
Speaker 2: you just know what's coming, yeah, kind of excigning.

498
00:23:04,280 --> 00:23:06,960
Speaker 3: It's like, nope, no matter what, I'm very tired today,

499
00:23:06,960 --> 00:23:09,000
Speaker 3: and so I'm extra proud that I'm not buying a coffee.

500
00:23:09,040 --> 00:23:11,600
Speaker 2: Pat me and tell me. I'm pretty like it's gonna

501
00:23:11,680 --> 00:23:15,120
Speaker 2: work that hard? Isn't that hard? Exactly? So I feel

502
00:23:15,160 --> 00:23:18,719
Speaker 2: like it's literally psychology one oh one yeah, and for me,

503
00:23:18,840 --> 00:23:21,760
Speaker 2: that works. And I think if you're in a couple

504
00:23:22,200 --> 00:23:24,919
Speaker 2: asking what's one goal that we've smashed together or you know,

505
00:23:25,320 --> 00:23:28,760
Speaker 2: keeping each other accountable, if you're single, going all right,

506
00:23:28,840 --> 00:23:31,679
Speaker 2: what is one move that I did this month that

507
00:23:31,880 --> 00:23:33,520
Speaker 2: made me feel like a boss or made me feel

508
00:23:33,560 --> 00:23:36,359
Speaker 2: like I've killed it, or is really helping towards my goals?

509
00:23:36,400 --> 00:23:38,320
Speaker 2: And I mean, if you're single and you love this

510
00:23:38,440 --> 00:23:41,480
Speaker 2: idea of money date you have other single friends, imagine

511
00:23:41,520 --> 00:23:45,280
Speaker 2: doing this with a buddy, Like it becomes this I

512
00:23:45,280 --> 00:23:49,359
Speaker 2: don't know, aspirational goal setting task. And this is me

513
00:23:49,480 --> 00:23:52,199
Speaker 2: probably extrapolating it out, but it could be like a

514
00:23:52,320 --> 00:23:54,880
Speaker 2: vision boarding moment as well. Like you guys could keep

515
00:23:54,920 --> 00:23:58,119
Speaker 2: a joint pinterest of like cute images that keep you

516
00:23:58,200 --> 00:24:02,440
Speaker 2: motivated or like Maye collages that could be your backgrounds

517
00:24:02,480 --> 00:24:05,119
Speaker 2: to stay on track, and like just having an accountability

518
00:24:05,160 --> 00:24:08,600
Speaker 2: buddy helps. I think, Yes, I love yappin, so like

519
00:24:08,640 --> 00:24:12,040
Speaker 2: why not? Yeah, cute? We should have a vision forty night.

520
00:24:12,119 --> 00:24:13,640
Speaker 3: Yes with like old magazine.

521
00:24:13,680 --> 00:24:15,960
Speaker 2: Yes, and I'll bring the wine. I'm happy to spend

522
00:24:15,960 --> 00:24:17,800
Speaker 2: fourteen ninety nine, don't you worry?

523
00:24:17,920 --> 00:24:18,240
Speaker 4: Easy?

524
00:24:18,320 --> 00:24:20,679
Speaker 2: And then we can get like old magazines. And I

525
00:24:20,760 --> 00:24:24,399
Speaker 2: have this little Polaroid printer. It brings out of photos

526
00:24:24,440 --> 00:24:26,800
Speaker 2: from your phone. So if there's like a photo anyway,

527
00:24:26,800 --> 00:24:28,600
Speaker 2: it'll be cute. We'll talk about this later, okay, But

528
00:24:28,880 --> 00:24:32,440
Speaker 2: we want to dream big because from my perspective, it

529
00:24:32,520 --> 00:24:35,560
Speaker 2: not only gives you direction, which we love, but it

530
00:24:35,600 --> 00:24:38,399
Speaker 2: really taps into your values and makes your goals feel

531
00:24:38,480 --> 00:24:41,320
Speaker 2: I don't know, exciting and meaningful, because after all, if

532
00:24:41,359 --> 00:24:42,760
Speaker 2: you don't dream it, Like, how on earth are you

533
00:24:42,800 --> 00:24:45,440
Speaker 2: going to achieve it? Yeah? Like, if we can't think

534
00:24:45,480 --> 00:24:48,400
Speaker 2: about it logically, how are you going to be able

535
00:24:48,440 --> 00:24:51,040
Speaker 2: to achieve that goal? Whether it is you know, getting

536
00:24:51,040 --> 00:24:53,679
Speaker 2: a promotion at work, or it is you know, just

537
00:24:53,760 --> 00:24:56,560
Speaker 2: saving your first five hundred dollars into your emergency fund,

538
00:24:56,600 --> 00:24:58,480
Speaker 2: or it could be a really big financial goal like

539
00:24:58,520 --> 00:25:01,600
Speaker 2: buying your first home. If we can't visualize it, and

540
00:25:01,640 --> 00:25:04,239
Speaker 2: if we can't see ourselves actually doing that, how on

541
00:25:04,320 --> 00:25:06,399
Speaker 2: earth are you meant to back yourself into doing it?

542
00:25:06,840 --> 00:25:07,480
Speaker 3: Yeah?

543
00:25:07,760 --> 00:25:10,800
Speaker 2: Like, how on earth are we meant to achieve something

544
00:25:10,960 --> 00:25:13,959
Speaker 2: if you feel the whole time like you're like I

545
00:25:14,000 --> 00:25:15,200
Speaker 2: want to do that, but I can't.

546
00:25:16,080 --> 00:25:19,120
Speaker 3: How are you meant to get to your destination? If

547
00:25:19,119 --> 00:25:21,200
Speaker 3: you don't know what to type into Google Maps?

548
00:25:21,560 --> 00:25:25,520
Speaker 2: Exactly it's just on the right page. But you could

549
00:25:25,520 --> 00:25:28,840
Speaker 2: be asking yourself lots of different questions like oh, what

550
00:25:28,880 --> 00:25:31,240
Speaker 2: are our money values? And if you don't know them, like,

551
00:25:31,359 --> 00:25:33,359
Speaker 2: how are we going to work that out? Like we

552
00:25:33,400 --> 00:25:37,520
Speaker 2: could start asking questions and it's like the process of elimination. Beck,

553
00:25:37,600 --> 00:25:41,199
Speaker 2: would you spend one thousand dollars buying a horse? I

554
00:25:41,240 --> 00:25:44,440
Speaker 2: would you would it's probably I probably let's talk about

555
00:25:44,440 --> 00:25:47,600
Speaker 2: why why would you do that? Like fun, like, you know,

556
00:25:48,000 --> 00:25:50,720
Speaker 2: being a little bit wistful, maybe you are really impulsive,

557
00:25:50,760 --> 00:25:53,280
Speaker 2: like let's talk about that. That brings out a lot. Okay, Beck,

558
00:25:53,280 --> 00:25:55,280
Speaker 2: would you spend two million dollars on a house?

559
00:25:56,000 --> 00:25:57,600
Speaker 3: In this hypothetical? Do I have the money?

560
00:25:58,240 --> 00:26:01,320
Speaker 2: Yeah, you've got two million dollars. Yeah, you'd buy a house.

561
00:26:01,640 --> 00:26:03,720
Speaker 2: So but why would you buy a house?

562
00:26:04,040 --> 00:26:04,240
Speaker 1: Oh?

563
00:26:04,320 --> 00:26:07,800
Speaker 3: I see, Well that's a good question, V because we

564
00:26:07,840 --> 00:26:10,760
Speaker 3: can ask ourselves questions totally about money that we have

565
00:26:10,920 --> 00:26:11,359
Speaker 3: not got.

566
00:26:11,800 --> 00:26:15,000
Speaker 2: Ye, that's true. These are questions that my husband and

567
00:26:15,000 --> 00:26:16,600
Speaker 2: I like to throw at each other. And I don't know.

568
00:26:16,640 --> 00:26:18,320
Speaker 2: I wouldn't want you being a fly on the wall

569
00:26:18,320 --> 00:26:22,040
Speaker 2: in these conversations because they are silly conversations that don't

570
00:26:22,040 --> 00:26:24,600
Speaker 2: mean anything. But my husband the other day was like,

571
00:26:24,680 --> 00:26:26,719
Speaker 2: would you spend ten million dollars on a house? By

572
00:26:26,760 --> 00:26:28,480
Speaker 2: the way, I do not have ten million dollars to

573
00:26:28,520 --> 00:26:32,200
Speaker 2: spend my house. And I was like, I don't think so. Yeah,

574
00:26:32,240 --> 00:26:35,960
Speaker 2: Like that's a lot of money. And don't get me wrong,

575
00:26:36,000 --> 00:26:38,000
Speaker 2: I'm very lucky that I live in a good area

576
00:26:38,080 --> 00:26:41,040
Speaker 2: and I have a beautiful home. But like, that's just

577
00:26:41,160 --> 00:26:44,000
Speaker 2: not my vibe. That's just not who I am. And

578
00:26:44,680 --> 00:26:47,159
Speaker 2: I was like, oh, actually, the idea of spending that

579
00:26:47,280 --> 00:26:50,720
Speaker 2: much on an item, I don't like. That doesn't feel good. Yeah,

580
00:26:50,720 --> 00:26:52,760
Speaker 2: And my husband and I had this really good conversation

581
00:26:52,840 --> 00:26:55,399
Speaker 2: about like how we feel about that. We're like, and

582
00:26:55,400 --> 00:26:57,359
Speaker 2: this is going to sound so entitled. If we had

583
00:26:57,560 --> 00:27:00,280
Speaker 2: three million dollars to live in our dream area with

584
00:27:00,400 --> 00:27:03,080
Speaker 2: like our dream school and our dream everything, and we

585
00:27:03,160 --> 00:27:05,280
Speaker 2: had that money and was comfortable, I was like, I'm

586
00:27:05,280 --> 00:27:07,360
Speaker 2: not going to say it makes sense, but like that

587
00:27:08,000 --> 00:27:10,320
Speaker 2: would add up because I feel like some houses in

588
00:27:10,359 --> 00:27:13,240
Speaker 2: Melbourne cost that and they're not like extravagant ten million

589
00:27:13,240 --> 00:27:16,760
Speaker 2: dollar houses like I mean in Brunswick it costs like

590
00:27:16,760 --> 00:27:19,880
Speaker 2: two million dollars just for a Terras house nowadays. Right,

591
00:27:19,920 --> 00:27:22,520
Speaker 2: So I'm not saying that that is reasonable, But these

592
00:27:22,560 --> 00:27:24,720
Speaker 2: are the conversations that you can open up and you know,

593
00:27:24,760 --> 00:27:27,440
Speaker 2: you could even have with your girlfriend and be like, Jess,

594
00:27:27,440 --> 00:27:29,639
Speaker 2: would you spend ten million dollars on house? Yeah, and

595
00:27:29,800 --> 00:27:32,160
Speaker 2: go oh wow, Like I do value having a roof

596
00:27:32,200 --> 00:27:35,280
Speaker 2: over my head, but I don't know value yeah, but

597
00:27:35,440 --> 00:27:37,960
Speaker 2: like where's the balance. What do those things look like

598
00:27:38,000 --> 00:27:41,400
Speaker 2: we can be wistful, we can be wishful, we can

599
00:27:41,720 --> 00:27:46,359
Speaker 2: you know, pretend for a moment, because it really does

600
00:27:46,480 --> 00:27:50,560
Speaker 2: help drive our values. Yeah, because like that tells me, Okay,

601
00:27:50,600 --> 00:27:53,240
Speaker 2: my values are actually pretty strong in that area. And

602
00:27:53,520 --> 00:27:55,359
Speaker 2: it's not about what you earn and what you spend.

603
00:27:55,400 --> 00:27:57,840
Speaker 2: It's actually about like how you're going to allocate that money.

604
00:27:57,880 --> 00:28:00,639
Speaker 2: And you're telling me if I had unlimited would you

605
00:28:00,680 --> 00:28:04,160
Speaker 2: do that? And I was like, oh no, yeah, there's

606
00:28:04,200 --> 00:28:05,879
Speaker 2: so much more I could do with that. That's a

607
00:28:05,880 --> 00:28:08,400
Speaker 2: great point. It's like saying, beck, would you spend five

608
00:28:08,440 --> 00:28:10,000
Speaker 2: hundred thousand dollars on a car?

609
00:28:10,840 --> 00:28:13,359
Speaker 3: Yeah? Now that's where I would draw my line. You go,

610
00:28:13,359 --> 00:28:15,879
Speaker 3: only no, it's a vessels getting from A to B.

611
00:28:16,080 --> 00:28:19,840
Speaker 2: Okay, so other people would and like no judgment, no, no,

612
00:28:20,200 --> 00:28:21,919
Speaker 2: Like I don't care what you spend your money on.

613
00:28:22,280 --> 00:28:25,920
Speaker 2: But like we need to have these weird conversations, Yeah,

614
00:28:26,040 --> 00:28:28,200
Speaker 2: to help draw out our values. Yeah. So true. And

615
00:28:28,240 --> 00:28:31,120
Speaker 2: I'm not saying that they're normal things that we would do,

616
00:28:31,320 --> 00:28:33,679
Speaker 2: but like you've just told me that maybe your values

617
00:28:33,720 --> 00:28:36,320
Speaker 2: are a little bit different to somebody who does value that.

618
00:28:36,560 --> 00:28:36,840
Speaker 3: Yeah.

619
00:28:36,960 --> 00:28:40,960
Speaker 2: Great, we're moving towards understanding our values and what we're doing. Absolutely,

620
00:28:41,040 --> 00:28:43,080
Speaker 2: So we're working that out and then you know, you

621
00:28:43,120 --> 00:28:45,320
Speaker 2: could extrapolate it down as well, and it could be

622
00:28:45,360 --> 00:28:46,760
Speaker 2: like beck, what would you do if you had ten

623
00:28:46,800 --> 00:28:47,440
Speaker 2: grand tomorrow?

624
00:28:48,280 --> 00:28:51,040
Speaker 3: Yeah? Sure, okay, Well what would I do? Would you

625
00:28:51,080 --> 00:28:53,800
Speaker 3: pay off your parking fines? The thing is, I just

626
00:28:53,840 --> 00:28:55,000
Speaker 3: don't think I'm there yet.

627
00:28:55,240 --> 00:28:57,680
Speaker 2: No, you're not ready to commit to giving City of

628
00:28:57,760 --> 00:28:59,280
Speaker 2: Melping their money? No, I can't.

629
00:28:59,320 --> 00:29:01,600
Speaker 3: I think I would something like go on a big

630
00:29:01,640 --> 00:29:03,280
Speaker 3: holiday or blow it all and then end up in

631
00:29:03,280 --> 00:29:03,880
Speaker 3: the same position.

632
00:29:03,960 --> 00:29:07,160
Speaker 2: That's just what I do. Okay. I'm trying to work

633
00:29:07,200 --> 00:29:09,400
Speaker 2: with you on this, and do you know what? I

634
00:29:09,440 --> 00:29:11,640
Speaker 2: love how honest you are. Thank you, And I hope

635
00:29:11,640 --> 00:29:12,960
Speaker 2: you know that I don't judge you.

636
00:29:13,000 --> 00:29:13,320
Speaker 3: Thank you.

637
00:29:13,520 --> 00:29:15,320
Speaker 2: My job is to give you all the education so

638
00:29:15,360 --> 00:29:17,080
Speaker 2: that you can make a decision that's true, that feels

639
00:29:17,120 --> 00:29:17,840
Speaker 2: comforty for you.

640
00:29:18,360 --> 00:29:21,440
Speaker 3: I feel like we do that. Well, yeah, I think so,

641
00:29:21,920 --> 00:29:23,760
Speaker 3: Like pop Off, Queen, what would you do if you

642
00:29:23,760 --> 00:29:25,080
Speaker 3: had ten thousand dollars?

643
00:29:25,680 --> 00:29:28,800
Speaker 2: I'm a bit boring, and I guess this question really

644
00:29:28,840 --> 00:29:32,360
Speaker 2: plays into my financial privilege because I already have an

645
00:29:32,360 --> 00:29:36,720
Speaker 2: emergency fund and right now I'm trying to be as

646
00:29:36,760 --> 00:29:39,800
Speaker 2: honest as possible. I would probably just pop it in

647
00:29:39,840 --> 00:29:43,760
Speaker 2: my offset, Yes, okay, pop it in my offset, because

648
00:29:43,840 --> 00:29:47,000
Speaker 2: right now there's nothing that I would want to purchase

649
00:29:47,120 --> 00:29:50,120
Speaker 2: or do with that money. But it would make me

650
00:29:50,160 --> 00:29:52,600
Speaker 2: feel a little bit more secure. It would bring down

651
00:29:52,800 --> 00:29:56,160
Speaker 2: my mortgage repayments slightly because we'd upset the interest. I'm

652
00:29:56,240 --> 00:30:00,000
Speaker 2: very lucky. But other people would have different commentary around that, because,

653
00:30:00,040 --> 00:30:01,400
Speaker 2: like you said, you go on a trip or do

654
00:30:01,480 --> 00:30:03,600
Speaker 2: something really fun. Someone else might be like, oh, I've

655
00:30:03,640 --> 00:30:06,560
Speaker 2: got medical bills. Someone else might say, oh, I really

656
00:30:06,600 --> 00:30:09,040
Speaker 2: want to help my mum buy a car. Someone else

657
00:30:09,120 --> 00:30:11,240
Speaker 2: might say, oh, I would just blow it all at

658
00:30:11,240 --> 00:30:14,920
Speaker 2: the Pokey's, Like everybody else has these different values, And

659
00:30:15,000 --> 00:30:19,080
Speaker 2: I think it's about answering it, honestly, because I'm not

660
00:30:19,080 --> 00:30:21,440
Speaker 2: going to judge you. That's not going to judge you. No,

661
00:30:21,720 --> 00:30:24,720
Speaker 2: it's about just really starting to understand your value set

662
00:30:24,760 --> 00:30:27,240
Speaker 2: and what's going on. So I feel like that's a

663
00:30:27,520 --> 00:30:29,600
Speaker 2: really good place to go to a break.

664
00:30:30,600 --> 00:30:33,120
Speaker 3: Let's top up our red wine, oh those tunes, go

665
00:30:33,160 --> 00:30:35,280
Speaker 3: and have a little dance and we'll be back soon.

666
00:30:39,600 --> 00:30:42,440
Speaker 3: Welcome back everyone. So V what is next in our

667
00:30:42,520 --> 00:30:43,200
Speaker 3: money date?

668
00:30:43,320 --> 00:30:46,320
Speaker 2: Lineup. So now we've been a little bit aspirational with

669
00:30:46,440 --> 00:30:49,360
Speaker 2: us some really silly questions of the fun part, like

670
00:30:49,480 --> 00:30:51,520
Speaker 2: did you know that you can buy five hundred thousand

671
00:30:51,560 --> 00:30:52,360
Speaker 2: dollar cars?

672
00:30:53,040 --> 00:30:54,640
Speaker 3: I know that is crazy, isn't it?

673
00:30:54,640 --> 00:30:56,440
Speaker 2: It blows my mind though someone could spend half a

674
00:30:56,440 --> 00:30:58,480
Speaker 2: million dollars in a car. Yeah, that's wild, Like why

675
00:30:58,720 --> 00:31:00,880
Speaker 2: you got it? This is where we're going to reflect

676
00:31:01,000 --> 00:31:04,600
Speaker 2: and realign. Yes, so this is where we can learn

677
00:31:04,640 --> 00:31:06,920
Speaker 2: from the past month. We can sit down and be like, Okay, well,

678
00:31:06,920 --> 00:31:10,080
Speaker 2: being a little bit silly, let's rein it in. Let's

679
00:31:10,120 --> 00:31:12,320
Speaker 2: reflect on a few things that we've done in the

680
00:31:12,400 --> 00:31:14,840
Speaker 2: last month so that we can hopefully like spots and patterns,

681
00:31:15,200 --> 00:31:18,280
Speaker 2: we'll see where we're working towards. And we're going to

682
00:31:18,360 --> 00:31:20,160
Speaker 2: look at the good and the bad, because at the

683
00:31:20,240 --> 00:31:21,959
Speaker 2: end of the day, I want you to look at

684
00:31:21,960 --> 00:31:23,880
Speaker 2: the bad and get to a point where we're not

685
00:31:24,560 --> 00:31:27,400
Speaker 2: feeling bad about it. Let's pretend to Beck, you fell

686
00:31:27,400 --> 00:31:32,080
Speaker 2: off the bandwagon with your coffee sitch yep, and I

687
00:31:32,160 --> 00:31:34,280
Speaker 2: bring it up and go Beck, you've gone out for

688
00:31:34,320 --> 00:31:37,280
Speaker 2: coffee six times in the months. I don't want you

689
00:31:37,320 --> 00:31:39,320
Speaker 2: to feel sick about that. I want to be able

690
00:31:39,320 --> 00:31:41,840
Speaker 2: to bring things up with you and have these conversations

691
00:31:41,880 --> 00:31:46,160
Speaker 2: and you go, yeah, that's an observation, full stop, end

692
00:31:46,160 --> 00:31:49,080
Speaker 2: of story. I'm not feeling sick about it. I'm not

693
00:31:49,160 --> 00:31:52,600
Speaker 2: feeling attacked, I'm not feeling judged. It's just an observation. Sure,

694
00:31:52,720 --> 00:31:56,680
Speaker 2: because does it help you to crucify past?

695
00:31:56,720 --> 00:31:56,800
Speaker 1: You?

696
00:31:57,280 --> 00:31:59,320
Speaker 2: Like, what does that do? It just makes you feel

697
00:31:59,360 --> 00:32:02,640
Speaker 2: bad about your situation, and it actually just perpetuates this

698
00:32:02,760 --> 00:32:05,880
Speaker 2: idea that you're not good at money. Totally. By pointing

699
00:32:05,920 --> 00:32:07,880
Speaker 2: it is like we're just pointing it out because we

700
00:32:07,960 --> 00:32:10,040
Speaker 2: need to highlight it so that we can talk about it.

701
00:32:10,240 --> 00:32:12,920
Speaker 2: But like, I'm just pointing it out. I'm not doing

702
00:32:12,960 --> 00:32:14,800
Speaker 2: it to make you feel like trash about yourself, because

703
00:32:14,800 --> 00:32:17,040
Speaker 2: if I do that, we're just perpetuating this idea that

704
00:32:17,280 --> 00:32:20,240
Speaker 2: you're not good at achieving goals, you're not good at

705
00:32:20,280 --> 00:32:23,680
Speaker 2: setting and achieving what you want to do, and oh, beg,

706
00:32:23,720 --> 00:32:25,880
Speaker 2: you're not good at money. And I'm not saying that's true,

707
00:32:25,920 --> 00:32:27,800
Speaker 2: but that's how you feel when I bring things like

708
00:32:27,840 --> 00:32:29,520
Speaker 2: that up. But I want to get to a point

709
00:32:29,520 --> 00:32:32,000
Speaker 2: where I can just say, oh, observation fell off the

710
00:32:32,000 --> 00:32:35,320
Speaker 2: bandwagon six times beck you go, oh, my gosh, Yes,

711
00:32:35,600 --> 00:32:37,960
Speaker 2: let's talk about it. Oh, went out for coffee with

712
00:32:38,000 --> 00:32:40,800
Speaker 2: a couple of girlfriends, And we might find there are

713
00:32:40,840 --> 00:32:43,560
Speaker 2: some really beautiful reasons why you fell off the bandwagon,

714
00:32:44,280 --> 00:32:47,440
Speaker 2: or we might find an underlying problem, Like we might

715
00:32:47,480 --> 00:32:50,160
Speaker 2: find something that's underlying that's really just not helping you

716
00:32:50,200 --> 00:32:52,320
Speaker 2: that we need to work through. Yeah, I was feeling

717
00:32:52,360 --> 00:32:54,760
Speaker 2: like trash about myself at work, so I popped downstairs

718
00:32:54,800 --> 00:32:57,680
Speaker 2: and got another coffee because, like I was, just thought

719
00:32:57,720 --> 00:32:58,640
Speaker 2: it would perk me up.

720
00:32:59,000 --> 00:33:02,680
Speaker 3: Yeah, And do you feel no, Absolutely not exactly.

721
00:33:03,080 --> 00:33:06,080
Speaker 2: So we really want to work through these things and

722
00:33:06,200 --> 00:33:09,760
Speaker 2: be able to spot patterns and then realign to ensure

723
00:33:09,800 --> 00:33:11,959
Speaker 2: that the plan that we've put in place evolves with

724
00:33:12,000 --> 00:33:14,360
Speaker 2: you and grows with you and is the right fit

725
00:33:14,480 --> 00:33:16,600
Speaker 2: for you. So it means that we're able to keep

726
00:33:16,640 --> 00:33:20,920
Speaker 2: our financial goals super relevant and also achievable. I think

727
00:33:20,960 --> 00:33:24,440
Speaker 2: it's about I don't know, mid course correction to keep

728
00:33:24,520 --> 00:33:27,200
Speaker 2: your money on track and you on track. Because I

729
00:33:27,280 --> 00:33:29,320
Speaker 2: see this all the time, and I used to be

730
00:33:29,440 --> 00:33:32,680
Speaker 2: very and I'm still very guilty of this. I'll set

731
00:33:32,720 --> 00:33:35,360
Speaker 2: a goal, say I'm working towards it. I'll commit to

732
00:33:35,360 --> 00:33:36,800
Speaker 2: my husband and be like I'm going to do x

733
00:33:36,880 --> 00:33:39,120
Speaker 2: y zed this month, and then we check in a

734
00:33:39,120 --> 00:33:42,800
Speaker 2: month later and I haven't done it, and I'm like,

735
00:33:42,840 --> 00:33:46,920
Speaker 2: oh maybe next month. Yes about that, don't look this way.

736
00:33:48,200 --> 00:33:53,040
Speaker 2: How about we talk about you, and that I think

737
00:33:53,160 --> 00:33:56,560
Speaker 2: is really important to reflect on because if I don't

738
00:33:56,680 --> 00:33:59,400
Speaker 2: identify why that has happened, it's just going to happen

739
00:33:59,440 --> 00:34:02,680
Speaker 2: the next month. Sure, So like, let's identify why that's

740
00:34:02,680 --> 00:34:05,240
Speaker 2: happening so that I can get on course and maybe

741
00:34:05,280 --> 00:34:08,000
Speaker 2: reach out for my partner's support in staying on course.

742
00:34:08,080 --> 00:34:12,000
Speaker 2: If it's that important to me. Yes, So what's next Next?

743
00:34:12,000 --> 00:34:13,600
Speaker 2: We're going to look at areas that you might be

744
00:34:13,640 --> 00:34:16,520
Speaker 2: able to improve, and we need to remember here that

745
00:34:16,600 --> 00:34:19,640
Speaker 2: your money date judgment free zone. Ye, Like I can

746
00:34:19,680 --> 00:34:23,480
Speaker 2: say to my husband in that safe space, now, I

747
00:34:23,480 --> 00:34:26,799
Speaker 2: wouldn't spend ten million a house, but also twenty dollars

748
00:34:26,800 --> 00:34:30,680
Speaker 2: bottle of wine on a weeknight, you're insane. I think

749
00:34:30,680 --> 00:34:34,120
Speaker 2: it's these conversations that are really important in a relationship.

750
00:34:34,200 --> 00:34:38,080
Speaker 2: And it's funny because there's such a juxtaposition often even

751
00:34:38,080 --> 00:34:42,480
Speaker 2: in my spending where my values are really reflective, like

752
00:34:42,920 --> 00:34:47,520
Speaker 2: I'll buy a very expensive skirt. Let's pretend I spent

753
00:34:47,560 --> 00:34:49,400
Speaker 2: a couple of hundred dollars on an outfit or a

754
00:34:49,440 --> 00:34:51,879
Speaker 2: skirt that I really wanted back. But then I look

755
00:34:51,880 --> 00:34:54,040
Speaker 2: at white T shirts and I'm like, I am not

756
00:34:54,400 --> 00:34:56,200
Speaker 2: spending more than ten dollars on that. You can get

757
00:34:56,239 --> 00:35:00,440
Speaker 2: that a kmart, Like why do designer companies do white

758
00:35:00,440 --> 00:35:04,520
Speaker 2: T shirts? But that's my money values and yours might

759
00:35:04,600 --> 00:35:08,560
Speaker 2: be different totally. You might be like Victoria, that's insane.

760
00:35:08,600 --> 00:35:11,440
Speaker 2: I would never spend anything more than fifty dollars on

761
00:35:11,480 --> 00:35:13,560
Speaker 2: a scale or twenty dollars, or I would never even

762
00:35:13,560 --> 00:35:17,439
Speaker 2: buy anything new, And that's your values. But Mina here,

763
00:35:17,440 --> 00:35:21,759
Speaker 2: there and everywhere, and I feel like that's a good thing. Yeah.

764
00:35:21,960 --> 00:35:24,799
Speaker 2: I feel like there's this idea that because you have money,

765
00:35:24,800 --> 00:35:30,040
Speaker 2: you should spend more of it. This certainly is right, Like, obviously,

766
00:35:30,080 --> 00:35:34,799
Speaker 2: because Victoria has some money, she should always have expensive things. Nah,

767
00:35:34,840 --> 00:35:38,399
Speaker 2: it doesn't spark joy bye, Absolutely not. So. I think

768
00:35:38,400 --> 00:35:41,319
Speaker 2: it's about planning where we can improve and then just

769
00:35:41,360 --> 00:35:43,160
Speaker 2: getting into the nitty gritty of it. If you're like

770
00:35:43,200 --> 00:35:45,200
Speaker 2: I really want to save some more money, We're going

771
00:35:45,280 --> 00:35:48,239
Speaker 2: to plan out our upcoming expenses. Be like, all right, Beck,

772
00:35:48,520 --> 00:35:51,080
Speaker 2: what next bill is coming up? Is it going into winter?

773
00:35:51,360 --> 00:35:53,560
Speaker 2: Do you reckon our electricity is going to be more expensive.

774
00:35:53,920 --> 00:35:55,839
Speaker 2: Let's have a look at what last year's was and

775
00:35:55,880 --> 00:35:58,440
Speaker 2: what we spent on that, or it's coming into summer. Yeah,

776
00:35:58,480 --> 00:36:01,880
Speaker 2: we're gonna use our AIRCN more. How much did that

777
00:36:01,920 --> 00:36:04,120
Speaker 2: cost last year? So that we can predict some things,

778
00:36:04,280 --> 00:36:06,399
Speaker 2: We're gonna have a look at our subscriptions. I think

779
00:36:06,440 --> 00:36:08,520
Speaker 2: the thing with subscriptions is beck you can get rid

780
00:36:08,520 --> 00:36:11,080
Speaker 2: of them and get them back whenever you want.

781
00:36:11,160 --> 00:36:13,200
Speaker 3: That's so true. I don't feel like a failure, but

782
00:36:13,239 --> 00:36:14,080
Speaker 3: it shouldn't be that way.

783
00:36:14,239 --> 00:36:16,279
Speaker 2: Just delete it if like you're going away for a

784
00:36:16,320 --> 00:36:18,200
Speaker 2: month and you're not going to be on your TV,

785
00:36:18,560 --> 00:36:20,560
Speaker 2: or like you know, you've got a busy work period,

786
00:36:20,719 --> 00:36:22,800
Speaker 2: you're rid of Netflix. I'm sorry. Netflix is probably not

787
00:36:22,840 --> 00:36:24,600
Speaker 2: going to sponsor me because I keep being like, just

788
00:36:24,600 --> 00:36:26,920
Speaker 2: delete it. It's fine, but like you can get it

789
00:36:26,960 --> 00:36:28,920
Speaker 2: back later. And you know what, my favorite thing about

790
00:36:28,920 --> 00:36:32,160
Speaker 2: this is I delete stuff all the time. If you

791
00:36:32,239 --> 00:36:35,319
Speaker 2: go into your Apple subscriptions, you can see where they

792
00:36:35,400 --> 00:36:38,640
Speaker 2: all are because I subscribe through my phone and through Apple.

793
00:36:39,000 --> 00:36:41,440
Speaker 2: The amount of times I delete Netflix and then they

794
00:36:41,480 --> 00:36:44,040
Speaker 2: email me or welcome back off it like, yes, yeah,

795
00:36:44,040 --> 00:36:45,799
Speaker 2: you're right, there is a new series I'm interested in,

796
00:36:45,840 --> 00:36:48,080
Speaker 2: and I'm willing to pay you this month on and

797
00:36:48,120 --> 00:36:50,759
Speaker 2: off and on, and I can't be trusted honestly, or

798
00:36:50,800 --> 00:36:54,160
Speaker 2: even upcoming life events, like let's make sure that we

799
00:36:54,200 --> 00:36:56,000
Speaker 2: are planning for things. So if you've got a wedding

800
00:36:56,000 --> 00:36:57,600
Speaker 2: coming up, like how much is that going to cost?

801
00:36:57,640 --> 00:36:59,120
Speaker 2: Like what are you going to wear? Are you getting

802
00:36:59,160 --> 00:37:02,480
Speaker 2: a gift? Like it's transportation or accommodation or whatever. I

803
00:37:02,560 --> 00:37:05,200
Speaker 2: just think it's a really good opportunity to try something

804
00:37:05,239 --> 00:37:09,359
Speaker 2: new or make mini challenges. Yeah, like mini challenges. I

805
00:37:09,400 --> 00:37:11,279
Speaker 2: do this in my personal life and I do it

806
00:37:11,320 --> 00:37:14,680
Speaker 2: in my work life. So at work, I often make

807
00:37:14,760 --> 00:37:17,719
Speaker 2: mini challenges for my team and die and we have

808
00:37:17,880 --> 00:37:20,759
Speaker 2: like a month of focus on one particular topic. So

809
00:37:20,800 --> 00:37:24,160
Speaker 2: like one month that might be about you know, client leads,

810
00:37:24,239 --> 00:37:27,840
Speaker 2: or it might be about automation and system processes or whatnot.

811
00:37:28,000 --> 00:37:29,520
Speaker 2: But I just go all right, it's kind of like

812
00:37:29,560 --> 00:37:31,600
Speaker 2: a sprint. We're just going to do this for a month.

813
00:37:31,800 --> 00:37:34,120
Speaker 2: So instead of always talking about like, oh, I'd really

814
00:37:34,160 --> 00:37:36,680
Speaker 2: love to automate a few processes now, no, no, this

815
00:37:36,719 --> 00:37:38,799
Speaker 2: is the month to do it. You can do that

816
00:37:38,800 --> 00:37:40,879
Speaker 2: with your budget as well. You could be like, okay, cool,

817
00:37:40,920 --> 00:37:44,520
Speaker 2: this month, we're really focusing on automation. What else can

818
00:37:44,560 --> 00:37:45,200
Speaker 2: I automate?

819
00:37:45,640 --> 00:37:45,719
Speaker 1: Like?

820
00:37:45,760 --> 00:37:47,920
Speaker 2: Can I automate this? What can I do? And I

821
00:37:47,960 --> 00:37:50,719
Speaker 2: think it's about you know, maybe you could like do

822
00:37:50,800 --> 00:37:53,560
Speaker 2: a no spend week. We don't have to do it forever. Like,

823
00:37:53,880 --> 00:37:56,480
Speaker 2: if cutting back on your spending Beck is challenging for you,

824
00:37:57,160 --> 00:37:59,080
Speaker 2: what about we just do it on a really small scale,

825
00:37:59,200 --> 00:38:02,320
Speaker 2: like intimate fast. Yeah yeah, but that's much easier.

826
00:38:02,440 --> 00:38:02,640
Speaker 3: Right.

827
00:38:03,360 --> 00:38:05,640
Speaker 2: What if I said to you, Beck, this year you

828
00:38:05,680 --> 00:38:07,000
Speaker 2: have to spend less.

829
00:38:07,719 --> 00:38:10,279
Speaker 3: I would know even what to do.

830
00:38:10,680 --> 00:38:12,440
Speaker 2: Okay, But what if I said, hey, Beck, let's have

831
00:38:12,480 --> 00:38:15,120
Speaker 2: a no spend week. Oh yeah, Like I feel like

832
00:38:15,120 --> 00:38:18,239
Speaker 2: your rise to a challenge. Oh yeah, say less. I

833
00:38:18,239 --> 00:38:20,080
Speaker 2: can do it for a week. Yeah, I can do

834
00:38:20,160 --> 00:38:23,160
Speaker 2: anything money, I can do anything for a week. Fantastic.

835
00:38:23,239 --> 00:38:26,520
Speaker 2: But can we do that? Can we try meal prepping?

836
00:38:27,040 --> 00:38:28,960
Speaker 2: How many people have you spoken to are like I

837
00:38:28,960 --> 00:38:32,080
Speaker 2: could never meal prep. It's just not for me. Okay,

838
00:38:32,520 --> 00:38:35,560
Speaker 2: I hate it. Try it. Just try try it. And

839
00:38:35,719 --> 00:38:37,960
Speaker 2: you know what, I know Beck's tried it and hates it,

840
00:38:38,160 --> 00:38:41,200
Speaker 2: hate it, But you tried it, absolutely tried it. And

841
00:38:41,239 --> 00:38:43,239
Speaker 2: I think that's important. Set yourself a goal of I

842
00:38:43,239 --> 00:38:45,479
Speaker 2: don't know, clearing out the pantry and the fridge before

843
00:38:45,480 --> 00:38:48,040
Speaker 2: you go to the supermarket. Yeah, like, maybe you set

844
00:38:48,040 --> 00:38:50,000
Speaker 2: a goal for yourself that this month is a month

845
00:38:50,080 --> 00:38:52,239
Speaker 2: to save money on food. Like we're not going to

846
00:38:52,280 --> 00:38:54,160
Speaker 2: do it forever, but like, maybe you're going to go

847
00:38:54,200 --> 00:38:57,200
Speaker 2: above and beyond this month to be as frugal as

848
00:38:57,239 --> 00:39:00,759
Speaker 2: possible on food because at the end of the month,

849
00:39:00,840 --> 00:39:02,799
Speaker 2: you might have some cool new habits. You might learn

850
00:39:02,880 --> 00:39:04,520
Speaker 2: that you never want to do that again as well,

851
00:39:04,960 --> 00:39:06,640
Speaker 2: but you might have some cool new habits. You might

852
00:39:06,640 --> 00:39:08,880
Speaker 2: have found, you know, a new recipe for work lunches

853
00:39:08,960 --> 00:39:11,200
Speaker 2: that is really budget friendly that you actually like and

854
00:39:11,200 --> 00:39:14,560
Speaker 2: it's super easy. Or you might find that shopping your

855
00:39:14,560 --> 00:39:17,440
Speaker 2: pantry first is actually something you can get around really easily.

856
00:39:17,640 --> 00:39:19,800
Speaker 2: Oh my god, so true. Like there are just small

857
00:39:19,840 --> 00:39:23,359
Speaker 2: things that doing a little challenge could then mean that

858
00:39:23,400 --> 00:39:26,040
Speaker 2: you implement better financial habits in the future. I might

859
00:39:26,080 --> 00:39:28,200
Speaker 2: accidentally pick up a great habit. I think it's worth it.

860
00:39:28,239 --> 00:39:31,440
Speaker 2: And also maybe you're finally looking at your superbalance. I

861
00:39:31,480 --> 00:39:33,000
Speaker 2: don't know, slippery slope, guys.

862
00:39:33,239 --> 00:39:35,319
Speaker 3: Okay, so we've got our plan, Yeah, how do we

863
00:39:35,360 --> 00:39:36,480
Speaker 3: wrap up our money date?

864
00:39:36,560 --> 00:39:38,560
Speaker 2: So you're coming to the end of your money date. Yeah,

865
00:39:38,560 --> 00:39:42,160
Speaker 2: it's a bit awkward. Likes you can you can do

866
00:39:42,239 --> 00:39:45,000
Speaker 2: whatever you want. A little bit more challenging if it's

867
00:39:45,000 --> 00:39:48,440
Speaker 2: a single money date, but like, do whatever you wish.

868
00:39:48,600 --> 00:39:50,719
Speaker 2: I'm going to sound a little bit woo woo Delulu,

869
00:39:51,440 --> 00:39:54,200
Speaker 2: I don't even mind. But trust me, there again is

870
00:39:54,239 --> 00:39:56,520
Speaker 2: a little bit of science behind this. But you know

871
00:39:56,520 --> 00:39:59,360
Speaker 2: what we're degreeing, Beck, We're always ending our money dates

872
00:39:59,480 --> 00:40:00,920
Speaker 2: with gratitge intentions.

873
00:40:01,040 --> 00:40:01,680
Speaker 3: Great, love it.

874
00:40:01,920 --> 00:40:04,840
Speaker 2: I love it as well, and it sounds lame, but

875
00:40:04,920 --> 00:40:08,880
Speaker 2: it's so nice. So you're going to write down together

876
00:40:09,040 --> 00:40:11,600
Speaker 2: or on your own what you're grateful for, and then

877
00:40:11,640 --> 00:40:14,560
Speaker 2: you're going to pair it with clear financial goals. You're

878
00:40:14,560 --> 00:40:17,960
Speaker 2: not just planning, you're actively boosting your chances of success because,

879
00:40:18,360 --> 00:40:21,440
Speaker 2: as you know, I'm statscal and I really love to

880
00:40:21,480 --> 00:40:24,240
Speaker 2: dive into the research of like the psychology of money

881
00:40:24,280 --> 00:40:26,520
Speaker 2: and what that looks like. Don't be surprised if one

882
00:40:26,560 --> 00:40:27,920
Speaker 2: day I come into the office and I'm like, I'm

883
00:40:27,960 --> 00:40:32,440
Speaker 2: doing my PhD in the psychology of money. How elite

884
00:40:32,440 --> 00:40:32,759
Speaker 2: would that?

885
00:40:32,960 --> 00:40:33,120
Speaker 1: Oh?

886
00:40:33,200 --> 00:40:35,880
Speaker 2: Man, I can see that's pretty slope. But research shows

887
00:40:36,080 --> 00:40:41,040
Speaker 2: that practicing gratitude actually lowers stress increases motivation, while setting

888
00:40:41,120 --> 00:40:45,240
Speaker 2: intention creates a roadmap to keep you on track. Gorgeous,

889
00:40:45,360 --> 00:40:48,840
Speaker 2: so sexy. Yeah, and then together they're going to create

890
00:40:48,880 --> 00:40:51,319
Speaker 2: I don't know, a really powerful mindset for you that

891
00:40:51,440 --> 00:40:54,000
Speaker 2: helps you achieve your goals faster and with more focus.

892
00:40:54,080 --> 00:40:55,200
Speaker 2: And we love that.

893
00:40:55,400 --> 00:40:56,600
Speaker 3: We love that. That's what we need.

894
00:40:56,680 --> 00:40:59,640
Speaker 2: We love that, Beck, absolutely, how do we do that exactly?

895
00:41:00,120 --> 00:41:03,200
Speaker 2: You write it down, but we're writing yes, but what

896
00:41:03,320 --> 00:41:05,320
Speaker 2: I was saying before, so we really want to celebrate

897
00:41:05,320 --> 00:41:09,680
Speaker 2: our progress. So celebrate not only your savings or what

898
00:41:09,760 --> 00:41:12,239
Speaker 2: date you've paid off or you know that you checked

899
00:41:12,280 --> 00:41:15,480
Speaker 2: your superbalance this month for the first time ever, but

900
00:41:15,600 --> 00:41:17,799
Speaker 2: let's celebrate the fact that you actually showed up. You

901
00:41:17,840 --> 00:41:20,759
Speaker 2: did this. That is so good and I'm just so

902
00:41:20,920 --> 00:41:25,360
Speaker 2: excited because past you would never future you is very thankful.

903
00:41:25,440 --> 00:41:28,319
Speaker 2: Oh yes, And then we're going to write down three

904
00:41:28,360 --> 00:41:30,120
Speaker 2: things that we're grateful for. I don't know why we

905
00:41:30,160 --> 00:41:32,440
Speaker 2: do three, but I always do three. Sure if you

906
00:41:32,560 --> 00:41:34,279
Speaker 2: got more, like, if you ever written down what you're

907
00:41:34,280 --> 00:41:37,000
Speaker 2: grateful for? I have I feel shy, even though I'm

908
00:41:37,040 --> 00:41:38,719
Speaker 2: the only one right, I don't have it. You don't

909
00:41:38,760 --> 00:41:39,200
Speaker 2: have to tell me.

910
00:41:39,200 --> 00:41:41,160
Speaker 3: But what no, No, But like as I'm writing, I

911
00:41:41,200 --> 00:41:42,680
Speaker 3: feel shy for some reason, do you know what I mean?

912
00:41:42,760 --> 00:41:45,200
Speaker 2: Yeah, I used to have this Kiki k Journal and

913
00:41:45,239 --> 00:41:47,920
Speaker 2: it was a daily journal of gratitude and it like

914
00:41:48,080 --> 00:41:50,160
Speaker 2: had prompts and that really helped me, because I'm not

915
00:41:50,200 --> 00:41:51,680
Speaker 2: the type of girl who just gets a piece of

916
00:41:51,680 --> 00:41:54,080
Speaker 2: haber out and then happily. Yes, maybe this is where

917
00:41:54,080 --> 00:41:56,279
Speaker 2: I get my three from. It asked me three things

918
00:41:56,280 --> 00:41:59,239
Speaker 2: I'm grateful for. My intentions were asked me how much

919
00:41:59,280 --> 00:42:01,400
Speaker 2: water i'd had. I quite liked that, so maybe I

920
00:42:01,480 --> 00:42:03,120
Speaker 2: need to go back to that. But we're going to

921
00:42:03,160 --> 00:42:05,920
Speaker 2: write down three things you're grateful for, but in your

922
00:42:05,920 --> 00:42:08,480
Speaker 2: financial journey, it doesn't need to be I guess, as

923
00:42:08,520 --> 00:42:11,640
Speaker 2: deep and meaningful as that kind of sounds, but you

924
00:42:11,640 --> 00:42:14,080
Speaker 2: could say, I'm really grateful that I made it through

925
00:42:14,080 --> 00:42:16,560
Speaker 2: the whole week and I didn't order Uber eats once. Mmmmm,

926
00:42:17,120 --> 00:42:19,600
Speaker 2: I love it. That's actually really big if you're somebody

927
00:42:19,600 --> 00:42:22,240
Speaker 2: that always falls onto Uber eats has like the backup dinner.

928
00:42:22,640 --> 00:42:25,560
Speaker 2: Or you might say I'm really grateful my account didn't

929
00:42:25,560 --> 00:42:28,600
Speaker 2: get declined when I tapped for petrol this month, yea like,

930
00:42:28,640 --> 00:42:31,200
Speaker 2: because those are small things that you just go. I

931
00:42:31,200 --> 00:42:34,319
Speaker 2: actually worked really hard for that not to happen, and

932
00:42:34,719 --> 00:42:38,279
Speaker 2: I remember being in those situations and I'd be like,

933
00:42:38,280 --> 00:42:40,480
Speaker 2: I hope this goes through. And either were a few

934
00:42:40,520 --> 00:42:42,840
Speaker 2: times where I just knew I didn't have the money,

935
00:42:43,080 --> 00:42:45,760
Speaker 2: but I'd had a previous experience where it had overdrawn

936
00:42:45,800 --> 00:42:47,319
Speaker 2: my account, and I was betting on the fact that

937
00:42:47,360 --> 00:42:50,880
Speaker 2: it would hopefully overdraw my account. Very stressful, it's very stressful,

938
00:42:50,920 --> 00:42:52,440
Speaker 2: but you just go, I hope this does and then

939
00:42:52,480 --> 00:42:54,440
Speaker 2: when it does, you're like, oh, thank God. But then

940
00:42:54,480 --> 00:42:57,799
Speaker 2: you're knowing that you have an overdrawn account. But that's

941
00:42:57,800 --> 00:42:59,160
Speaker 2: okay as long as you're out of there. Because I

942
00:42:59,160 --> 00:43:01,640
Speaker 2: wasn't always good with money, beck No, And I think

943
00:43:01,680 --> 00:43:04,680
Speaker 2: that that's why I'm now good with money because I

944
00:43:04,760 --> 00:43:07,960
Speaker 2: learned I don't have to do that or I can

945
00:43:08,200 --> 00:43:10,520
Speaker 2: change that about me. And I mean, if I can

946
00:43:10,560 --> 00:43:12,480
Speaker 2: do it, you can do it. If you can do it,

947
00:43:12,520 --> 00:43:14,120
Speaker 2: and I can do it, anyone can do it, like

948
00:43:14,200 --> 00:43:16,440
Speaker 2: it's the best. And then we're going to set an intention,

949
00:43:16,960 --> 00:43:19,920
Speaker 2: So what's one thing that you could do next month

950
00:43:20,000 --> 00:43:21,719
Speaker 2: to keep that going? Like if you were like, oh,

951
00:43:21,760 --> 00:43:24,600
Speaker 2: my God, I didn't order Uber Eats once. I'm so

952
00:43:24,680 --> 00:43:27,839
Speaker 2: proud of myself. Like do you want to continue that? Like?

953
00:43:28,280 --> 00:43:30,840
Speaker 2: How would you continue that? Like what's an intention to

954
00:43:30,960 --> 00:43:33,759
Speaker 2: maintain that goal? And then, of course before it's over,

955
00:43:33,960 --> 00:43:36,680
Speaker 2: I want you to pull out your calendar. When are

956
00:43:36,680 --> 00:43:37,759
Speaker 2: we having an X money date?

957
00:43:37,800 --> 00:43:38,040
Speaker 3: Beck?

958
00:43:38,640 --> 00:43:40,520
Speaker 2: We're going to put it back in because if you

959
00:43:40,600 --> 00:43:44,080
Speaker 2: don't make the appointment right then and there, it's not

960
00:43:44,120 --> 00:43:46,040
Speaker 2: gonna happen. No, that's so true. It's like when I

961
00:43:46,080 --> 00:43:50,120
Speaker 2: get my lashes done. Yeah, very niche experience. But if

962
00:43:50,200 --> 00:43:53,120
Speaker 2: I do not rebook my lash appointment, then then there

963
00:43:53,719 --> 00:43:57,120
Speaker 2: they become real scraggly. I don't book for weeks, I

964
00:43:57,160 --> 00:43:59,560
Speaker 2: can't go into the time for it. They end up

965
00:43:59,600 --> 00:44:01,480
Speaker 2: all come out. I have to set a whole new

966
00:44:01,480 --> 00:44:04,360
Speaker 2: appointment to get a full set again, instead of maintaining

967
00:44:04,360 --> 00:44:06,360
Speaker 2: them like I should have in the first place. So

968
00:44:06,520 --> 00:44:08,520
Speaker 2: what have I learned? That we always have to set

969
00:44:08,520 --> 00:44:10,959
Speaker 2: the appointment before I leave the premises, and the same

970
00:44:10,960 --> 00:44:14,840
Speaker 2: thing happens for your money dates? Unrelatable for you. I

971
00:44:14,880 --> 00:44:17,000
Speaker 2: don't mean you've ever had last extensions, but you know

972
00:44:17,080 --> 00:44:20,040
Speaker 2: what I mean, right, Oh? Absolutely, I do this all

973
00:44:20,080 --> 00:44:20,480
Speaker 2: the time.

974
00:44:20,520 --> 00:44:22,240
Speaker 3: You would have said it then there or you would

975
00:44:22,239 --> 00:44:24,840
Speaker 3: never ever going back, So don't forget last step.

976
00:44:25,160 --> 00:44:26,640
Speaker 2: But I would say maybe the most.

977
00:44:26,480 --> 00:44:32,040
Speaker 3: Important, so obviously Valanheine's day. I mean, I think we

978
00:44:32,040 --> 00:44:34,000
Speaker 3: should give everyone a gift.

979
00:44:34,160 --> 00:44:35,640
Speaker 2: I think we should. If they got to the end

980
00:44:35,680 --> 00:44:37,880
Speaker 2: of this episode, they deserve a gift. You're still we

981
00:44:37,960 --> 00:44:40,120
Speaker 2: didn't mention it earlier because if you didn't get the

982
00:44:40,160 --> 00:44:42,800
Speaker 2: full way through that you're not getting the pressy. That's cheeky.

983
00:44:42,880 --> 00:44:45,239
Speaker 2: But you know, I love a guide, you know, I

984
00:44:45,320 --> 00:44:48,479
Speaker 2: love making documents and things that I can distribute among

985
00:44:48,520 --> 00:44:51,480
Speaker 2: the community. I mean, you remember our savings charts. Oh,

986
00:44:51,600 --> 00:44:54,359
Speaker 2: one of my favorite things ever. But I've made it

987
00:44:54,400 --> 00:44:56,720
Speaker 2: a little bit easier for you. So we've put together

988
00:44:56,760 --> 00:44:59,680
Speaker 2: a very cute guide for running your money date. Oh cute.

989
00:45:00,000 --> 00:45:01,719
Speaker 2: There is a version for couples, and there's obviously a

990
00:45:01,760 --> 00:45:04,840
Speaker 2: version for singles, and we've included more than thirty different

991
00:45:04,840 --> 00:45:07,239
Speaker 2: prompts to get your conversation going. So I'll link that

992
00:45:07,680 --> 00:45:10,239
Speaker 2: in the show notes. Download it for free, money win.

993
00:45:10,560 --> 00:45:13,840
Speaker 2: That is so sweet. It's so cute too, It's so aesthetic.

994
00:45:13,880 --> 00:45:16,680
Speaker 2: I got our graphic designer to make it look very,

995
00:45:16,760 --> 00:45:18,919
Speaker 2: very pretty, so that you like, feel like your money

996
00:45:18,960 --> 00:45:20,160
Speaker 2: date is a little bit fancy.

997
00:45:20,200 --> 00:45:22,719
Speaker 3: That is so cute, I actually think I might download that.

998
00:45:22,800 --> 00:45:24,200
Speaker 2: Yeah, I'm going to send it to you. Don't worry.

999
00:45:24,320 --> 00:45:25,840
Speaker 2: I'll send it to Jess as well and be like

1000
00:45:25,920 --> 00:45:26,560
Speaker 2: use this on bed.

1001
00:45:26,640 --> 00:45:30,120
Speaker 3: Yes, please absolutely, Now, don't forget press follow and subscribe

1002
00:45:30,160 --> 00:45:31,440
Speaker 3: to the podcast so we can keep.

1003
00:45:31,280 --> 00:45:34,440
Speaker 2: Bringing you the content you adore. And my friends, remember

1004
00:45:34,480 --> 00:45:37,319
Speaker 2: that money dates they don't just have to be about numbers.

1005
00:45:37,520 --> 00:45:40,799
Speaker 2: They're about building a relationship with your finances and then

1006
00:45:40,880 --> 00:45:43,400
Speaker 2: feeling good and achieving goals and creating the life that

1007
00:45:43,440 --> 00:45:46,959
Speaker 2: you deserve. Happy Valentine's Day next week, My loves, Happy

1008
00:45:47,040 --> 00:45:50,080
Speaker 2: Valentine's Day. Bye.

1009
00:45:54,200 --> 00:45:56,800
Speaker 4: The advice shared on Cheese on the Money is generally

1010
00:45:56,960 --> 00:46:00,759
Speaker 4: nature and does not consider your individual circumstances. She's on

1011
00:46:00,800 --> 00:46:04,279
Speaker 4: the Money exists purely for educational purposes and should not

1012
00:46:04,360 --> 00:46:07,360
Speaker 4: be relied upon to make an investment or financial decision.

1013
00:46:07,719 --> 00:46:10,040
Speaker 2: If you do choose to buy a financial.

1014
00:46:09,520 --> 00:46:13,839
Speaker 4: Product, read the PDS TMD and obtain appropriate financial advice.

1015
00:46:13,560 --> 00:46:14,920
Speaker 2: Tailored towards your needs.

1016
00:46:15,280 --> 00:46:19,240
Speaker 4: Victoria Divine and She's on the Money are authorized representatives

1017
00:46:19,280 --> 00:46:23,399
Speaker 4: of Money sheper Pty Ltd ABN three two one six

1018
00:46:23,480 --> 00:46:27,359
Speaker 4: four nine two seven seven zero eight AFSL four five

1019
00:46:27,440 --> 00:46:31,840
Speaker 4: one two eight nine