1 00:00:00,640 --> 00:00:04,880 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,920 --> 00:00:08,639 Speaker 1: the Order Kerni Whalbury and a waddery woman. And before 3 00:00:08,640 --> 00:00:11,119 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,280 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:18,079 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,240 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,280 --> 00:00:26,960 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,040 --> 00:00:30,080 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,200 --> 00:00:32,599 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,280 --> 00:00:34,120 Speaker 2: Let's get into it. 11 00:00:34,760 --> 00:01:00,200 Speaker 3: She's on the Money, She's on the Money. 12 00:01:00,560 --> 00:01:03,600 Speaker 4: Hello, and welcome to Sheets on the Money, the podcast 13 00:01:03,720 --> 00:01:07,280 Speaker 4: millennials who want financial freedom with me today. I have 14 00:01:07,319 --> 00:01:10,320 Speaker 4: a lady who knows just how much I love Christmas, 15 00:01:10,400 --> 00:01:11,280 Speaker 4: Victoria Devine. 16 00:01:11,440 --> 00:01:14,880 Speaker 2: Hello, Yes, you are basically a Christmas Elf. And to 17 00:01:14,920 --> 00:01:17,160 Speaker 2: be honest, when I saw that movie, is it Buddy 18 00:01:17,200 --> 00:01:17,600 Speaker 2: the Elf? 19 00:01:17,760 --> 00:01:17,960 Speaker 4: Yeah? 20 00:01:18,160 --> 00:01:21,440 Speaker 2: Yeah, I was like, wow, this is yes, I am 21 00:01:21,520 --> 00:01:24,199 Speaker 2: one hundred perform. Well, we can't be so excited though, 22 00:01:24,240 --> 00:01:27,960 Speaker 2: because today's Christmas episode is not as fluffy as you 23 00:01:28,000 --> 00:01:31,039 Speaker 2: guys have come to expect from us. No, definitely not. 24 00:01:31,440 --> 00:01:34,040 Speaker 4: Christmas is one of the most stressful times of year 25 00:01:34,080 --> 00:01:36,160 Speaker 4: on all fronts, and we've had a lot of people 26 00:01:36,200 --> 00:01:38,840 Speaker 4: reaching out and asking how they can balance their regular 27 00:01:38,880 --> 00:01:41,800 Speaker 4: savings goals with the spirit of the season and all 28 00:01:41,840 --> 00:01:44,080 Speaker 4: of the pressure that they're feeling as a result of that, 29 00:01:44,440 --> 00:01:46,360 Speaker 4: and it's quite possibly one of the hardest things to 30 00:01:46,400 --> 00:01:48,560 Speaker 4: manage at Christmas time. We want it to be special, 31 00:01:48,600 --> 00:01:50,280 Speaker 4: we want to show people how much we love them 32 00:01:50,280 --> 00:01:52,680 Speaker 4: and how important they are to us. But at the 33 00:01:52,720 --> 00:01:54,920 Speaker 4: same time, there's kind of this deadline thing at the 34 00:01:55,000 --> 00:01:56,760 Speaker 4: end of the year. A lot of stuff is due, 35 00:01:56,800 --> 00:01:59,880 Speaker 4: a lot of repayments. It seems like all of a sudden, 36 00:02:00,160 --> 00:02:02,600 Speaker 4: life is just a real money pit, and I think 37 00:02:02,600 --> 00:02:05,080 Speaker 4: that that really adds to that feeling of pressure that 38 00:02:05,120 --> 00:02:07,960 Speaker 4: people experience. Can we cancel that, you know, the thing 39 00:02:08,040 --> 00:02:09,880 Speaker 4: where people will be like, oh my gosh, yes, it's 40 00:02:09,919 --> 00:02:13,239 Speaker 4: coming towards the end of the year, we should catch up. Yeah, 41 00:02:13,280 --> 00:02:16,240 Speaker 4: and then everybody wants to get drinks with you in December, 42 00:02:16,320 --> 00:02:20,360 Speaker 4: and I'm like, babe, I'll be here in January, yeah, April, May, 43 00:02:20,800 --> 00:02:22,720 Speaker 4: all of those other months that we didn't catch up. 44 00:02:22,760 --> 00:02:26,280 Speaker 4: Why now, Yeah, absolutely, it's all at once and it's 45 00:02:26,320 --> 00:02:28,280 Speaker 4: really lovely that people want to spend time with you, 46 00:02:28,360 --> 00:02:31,000 Speaker 4: but at the same time it can be very anxiety 47 00:02:31,000 --> 00:02:32,400 Speaker 4: inducing I think for a lot of people. 48 00:02:32,440 --> 00:02:34,920 Speaker 2: Yeah, and I guess this episode has actually come from 49 00:02:35,000 --> 00:02:37,840 Speaker 2: me having a few chats with a few friends coming 50 00:02:37,960 --> 00:02:40,600 Speaker 2: up to the silly season where they're like, oh Christmas, 51 00:02:40,600 --> 00:02:42,760 Speaker 2: I get so anxious and I was like, what about 52 00:02:42,800 --> 00:02:46,080 Speaker 2: And it's like, it's about the spending, but also the expectation, 53 00:02:46,320 --> 00:02:49,160 Speaker 2: and then kind of you know, if you're a young female, 54 00:02:49,200 --> 00:02:52,600 Speaker 2: maybe you don't have the funds to buy really fancy 55 00:02:52,639 --> 00:02:55,040 Speaker 2: presents for your parents when you really want to, but 56 00:02:55,160 --> 00:02:57,680 Speaker 2: they have the funds to kind of buy you the 57 00:02:57,720 --> 00:03:00,200 Speaker 2: fancy presence. So you just feel like there's a bit 58 00:03:00,200 --> 00:03:02,720 Speaker 2: of a power imbalance or an imbalance in what you 59 00:03:02,800 --> 00:03:04,840 Speaker 2: want to get versus what you can get. And I 60 00:03:04,919 --> 00:03:07,720 Speaker 2: just think nobody should be going through that stress because 61 00:03:07,720 --> 00:03:09,520 Speaker 2: at the end of the day, like summary of this 62 00:03:09,760 --> 00:03:12,760 Speaker 2: entire episode, it's the thought that counts. So if you 63 00:03:12,760 --> 00:03:15,600 Speaker 2: don't have much time, that is absolutely the main takeaway 64 00:03:15,600 --> 00:03:20,440 Speaker 2: from here. But last year the insurer HCF actually revealed 65 00:03:20,480 --> 00:03:23,959 Speaker 2: some research and that research said that seventy one percent 66 00:03:24,000 --> 00:03:28,440 Speaker 2: of Australians will quote bracing for a stressful Christmas. Twenty 67 00:03:28,520 --> 00:03:31,600 Speaker 2: two percent of Australians felt well pressure to spend time 68 00:03:31,639 --> 00:03:35,440 Speaker 2: with friends and family, which kind of makes sense. Nineteen 69 00:03:35,480 --> 00:03:38,640 Speaker 2: percent of Australians felt pressure to spend too much money, 70 00:03:39,040 --> 00:03:42,600 Speaker 2: and nineteen percent felt lonelier and sadder at this time 71 00:03:42,640 --> 00:03:45,080 Speaker 2: of year. That breaks my heart because as much as 72 00:03:45,080 --> 00:03:48,760 Speaker 2: I'm like, yeah, Christmas, spirit, festivity, and I'm so about it, 73 00:03:48,760 --> 00:03:50,800 Speaker 2: it makes me really sad to know that it is 74 00:03:51,080 --> 00:03:54,080 Speaker 2: a huge stress, like seventy one percent of people that 75 00:03:54,280 --> 00:03:56,600 Speaker 2: it makes more people than not that can come to 76 00:03:56,640 --> 00:03:57,559 Speaker 2: my Christmas. 77 00:03:57,840 --> 00:03:59,520 Speaker 4: Yeah, and it's a whole bunch of things that would 78 00:03:59,520 --> 00:04:01,680 Speaker 4: be the final answers. The pressure to spend time with 79 00:04:01,760 --> 00:04:04,160 Speaker 4: people or maybe feeling like you don't have people to 80 00:04:04,160 --> 00:04:07,240 Speaker 4: spend time with. It's like a big pressure cooker of anxiety. 81 00:04:07,240 --> 00:04:10,400 Speaker 2: And if you don't have the closest relationship with your family, 82 00:04:10,600 --> 00:04:14,880 Speaker 2: sometimes that just really exasperates it and makes it really obvious, 83 00:04:14,960 --> 00:04:17,000 Speaker 2: because you know, you catch up with friends that are like, oh, 84 00:04:17,040 --> 00:04:19,520 Speaker 2: I'm just going to mums for the weekend or I'm 85 00:04:19,560 --> 00:04:22,400 Speaker 2: just doing this, and like having worked in the space 86 00:04:22,680 --> 00:04:25,760 Speaker 2: where a lot of my clients have become some of 87 00:04:25,760 --> 00:04:28,080 Speaker 2: my best friends, but a lot of my clients came 88 00:04:28,120 --> 00:04:31,200 Speaker 2: to me because of an inheritance. I often come up 89 00:04:31,240 --> 00:04:33,000 Speaker 2: against this because I'll be like, oh, yeah, I'm just 90 00:04:33,080 --> 00:04:35,080 Speaker 2: going to my parents and they'll say something really kind, 91 00:04:35,160 --> 00:04:36,599 Speaker 2: like have so much fun. I wish I could do 92 00:04:36,640 --> 00:04:39,320 Speaker 2: that too, because most of those friends have lost a 93 00:04:39,360 --> 00:04:41,760 Speaker 2: parent or both their parents, And it's just this really 94 00:04:41,800 --> 00:04:43,880 Speaker 2: shitty period of time where I just want to scoop 95 00:04:43,880 --> 00:04:45,920 Speaker 2: people up and be like you can come to my Christmas, 96 00:04:45,960 --> 00:04:48,039 Speaker 2: like you can borrow my family, Like yeah, And I 97 00:04:48,080 --> 00:04:50,480 Speaker 2: think that that's, you know, the Christmas spirit in a way. 98 00:04:50,520 --> 00:04:53,720 Speaker 2: It's not about having this perfect nuclear family, like that's 99 00:04:54,000 --> 00:04:58,200 Speaker 2: the abnormal outcome these days. It's actually about sharing and 100 00:04:58,360 --> 00:05:01,599 Speaker 2: caring and anxiety. It shouldn't be a part of Christmas. 101 00:05:01,600 --> 00:05:03,359 Speaker 2: And I think that if you knew your friend was 102 00:05:03,400 --> 00:05:06,000 Speaker 2: experiencing that, you'd be like, oh, babe, like let's do 103 00:05:06,120 --> 00:05:09,839 Speaker 2: this later, or don't get presents, or reset the expectations. 104 00:05:09,839 --> 00:05:11,960 Speaker 2: And I just feel like this time of year is 105 00:05:12,160 --> 00:05:14,159 Speaker 2: not the time of year where we should, you know, 106 00:05:14,320 --> 00:05:16,919 Speaker 2: have been working towards all of our financial and life 107 00:05:16,960 --> 00:05:19,680 Speaker 2: goals to then in December throw all of that away. 108 00:05:19,839 --> 00:05:22,679 Speaker 2: Because it's festive, Like, I just don't think we should 109 00:05:22,720 --> 00:05:25,000 Speaker 2: be doing that. So on today's show, we are going 110 00:05:25,040 --> 00:05:27,960 Speaker 2: to be offering some solutions to the social and financial 111 00:05:27,960 --> 00:05:30,240 Speaker 2: anxiety that ends up creeping up on us at this 112 00:05:30,279 --> 00:05:32,560 Speaker 2: time of year to help you guys navigate the social 113 00:05:32,600 --> 00:05:35,120 Speaker 2: and financial anxiety of the festive season. 114 00:05:35,240 --> 00:05:37,279 Speaker 4: All right, let's start by talking about how we spend 115 00:05:37,400 --> 00:05:40,000 Speaker 4: at Christmas time. The I have some stats of my 116 00:05:40,080 --> 00:05:43,599 Speaker 4: own that came from a study from MiQ Australia in 117 00:05:43,640 --> 00:05:47,520 Speaker 4: twenty twenty two. Australians will increase spending, start shopping earlier 118 00:05:47,600 --> 00:05:50,719 Speaker 4: and combine online product research with bricks and more to 119 00:05:50,760 --> 00:05:53,280 Speaker 4: purchase for this festive season because everything that sounds good, 120 00:05:53,560 --> 00:05:56,240 Speaker 4: that sounds good. Christmas decorations came out at the same 121 00:05:56,240 --> 00:05:57,800 Speaker 4: time as Halloween decorations this year. 122 00:05:58,000 --> 00:05:59,640 Speaker 2: What the heck is that about. By the way, I 123 00:05:59,640 --> 00:06:02,599 Speaker 2: was walking through Camart, I just can't. I can't with 124 00:06:02,720 --> 00:06:03,760 Speaker 2: this world right now. 125 00:06:04,160 --> 00:06:07,479 Speaker 4: And it's totally because businesses a lack the longer it's out. 126 00:06:07,880 --> 00:06:10,960 Speaker 4: And you know what, I am guilty of definitely buying 127 00:06:10,960 --> 00:06:12,560 Speaker 4: some things in October. I'm not gonna lie to you. 128 00:06:12,600 --> 00:06:15,599 Speaker 2: However, Babe, you literally have to negotiate with your partner 129 00:06:15,640 --> 00:06:18,040 Speaker 2: each year about putting your tree up in August. I no, 130 00:06:18,120 --> 00:06:19,479 Speaker 2: I try. I try and bring it back a little 131 00:06:19,520 --> 00:06:22,120 Speaker 2: earlier every year. What about three extra days? What about 132 00:06:22,120 --> 00:06:22,960 Speaker 2: three extra months? 133 00:06:23,000 --> 00:06:24,800 Speaker 5: Can we just keep the tree up year round and 134 00:06:25,000 --> 00:06:27,880 Speaker 5: literally just perware Like I feel like there's a very 135 00:06:27,880 --> 00:06:29,880 Speaker 5: good argument to keeping a tree up year round. 136 00:06:29,920 --> 00:06:31,760 Speaker 4: I think you're not wrong, but it makes sense that 137 00:06:32,040 --> 00:06:35,000 Speaker 4: the first year post pandemic where we've really been able 138 00:06:35,000 --> 00:06:37,240 Speaker 4: to do Christmas, I guess the way that we normally 139 00:06:37,360 --> 00:06:39,880 Speaker 4: would and more than a third of Australians, which is 140 00:06:40,000 --> 00:06:41,560 Speaker 4: thirty four percent piece specific, that. 141 00:06:41,680 --> 00:06:42,839 Speaker 2: Was definitely more than a third. 142 00:06:42,960 --> 00:06:46,240 Speaker 4: Yep, they're expecting to spend more this holiday season compared 143 00:06:46,240 --> 00:06:48,960 Speaker 4: to twenty twenty one, despite the fact that inflation is 144 00:06:48,960 --> 00:06:51,559 Speaker 4: on the rise and interest race and cost of living 145 00:06:51,560 --> 00:06:53,320 Speaker 4: expenses are both skyrocketing as well. 146 00:06:53,440 --> 00:06:55,160 Speaker 2: Why do you think that is? Why do you think 147 00:06:55,200 --> 00:06:58,560 Speaker 2: we are trying to spend more this holiday season despite 148 00:06:58,560 --> 00:07:02,000 Speaker 2: the fact that everything is more expensive? Inflation is literally 149 00:07:02,040 --> 00:07:05,680 Speaker 2: crippling us, and I feel like everybody's mortgage is absolutely 150 00:07:05,760 --> 00:07:08,240 Speaker 2: sinking them. Like what on earth, guys? I feel like 151 00:07:08,279 --> 00:07:10,120 Speaker 2: it's a combo of two things. It's the fact that, 152 00:07:10,360 --> 00:07:12,320 Speaker 2: like I said, it's the first year that we've maybe 153 00:07:12,320 --> 00:07:14,520 Speaker 2: been able to see family and friends who are in 154 00:07:14,640 --> 00:07:17,280 Speaker 2: interstate or spend time with a large group of people. 155 00:07:17,560 --> 00:07:20,280 Speaker 2: But it's also the lipstick effect that we've spoken about before. 156 00:07:20,440 --> 00:07:22,840 Speaker 2: But that's a good point where you've had, like, maybe 157 00:07:22,840 --> 00:07:25,360 Speaker 2: not such a good year, So all of the small 158 00:07:25,400 --> 00:07:27,440 Speaker 2: things are what you're happy to blow money on because 159 00:07:27,480 --> 00:07:29,600 Speaker 2: like maybe you didn't get to get into your dream 160 00:07:29,640 --> 00:07:31,520 Speaker 2: house this year, or you didn't get to do this 161 00:07:31,600 --> 00:07:34,080 Speaker 2: big financial goal that you were working towards, so you're like, 162 00:07:34,080 --> 00:07:36,240 Speaker 2: all right, well whatever, at least I can buy a 163 00:07:36,280 --> 00:07:38,760 Speaker 2: really nice gift pack from Mecca, which I definitely will 164 00:07:38,760 --> 00:07:41,240 Speaker 2: be doing this season. Oh my gosh, we love them. 165 00:07:41,440 --> 00:07:41,640 Speaker 3: Vie. 166 00:07:41,640 --> 00:07:43,400 Speaker 4: What would you say your biggest stress point is at 167 00:07:43,440 --> 00:07:44,040 Speaker 4: Christmas time? 168 00:07:44,160 --> 00:07:44,440 Speaker 1: Oh? 169 00:07:44,520 --> 00:07:45,240 Speaker 2: What would it be? 170 00:07:45,400 --> 00:07:45,480 Speaker 1: So? 171 00:07:45,600 --> 00:07:48,280 Speaker 2: I think the biggest stress point is actually, I don't know. 172 00:07:48,400 --> 00:07:51,000 Speaker 2: I find gift giving really hard, so you would know 173 00:07:51,080 --> 00:07:53,760 Speaker 2: the gift giving is definitely one of my love languages, 174 00:07:54,280 --> 00:07:56,840 Speaker 2: funny because I don't like it back. I don't like 175 00:07:56,920 --> 00:07:59,160 Speaker 2: other people paying for me or buying things for me. 176 00:07:59,440 --> 00:08:02,760 Speaker 2: I literally get really is anxious the right word about that, 177 00:08:02,880 --> 00:08:04,880 Speaker 2: Like when you give me a gift, I immediately go, 178 00:08:05,000 --> 00:08:06,680 Speaker 2: oh my god, like, why why did you think that 179 00:08:06,720 --> 00:08:09,280 Speaker 2: I needed this? Like, thank you so much, but also 180 00:08:09,400 --> 00:08:11,120 Speaker 2: like that was really expensive. You didn't have to. It 181 00:08:11,160 --> 00:08:13,560 Speaker 2: gives me anxiety to think that I've put someone else out, 182 00:08:13,600 --> 00:08:15,920 Speaker 2: which is something I clearly need to work on because 183 00:08:15,920 --> 00:08:18,119 Speaker 2: that is not healthy. But I think it's about really 184 00:08:18,160 --> 00:08:20,560 Speaker 2: finding the perfect present at this point in the year. 185 00:08:20,640 --> 00:08:23,679 Speaker 2: And I mean, I am in such a privileged position 186 00:08:23,760 --> 00:08:26,240 Speaker 2: where Christmas for me, yeah, like we budget for it, 187 00:08:26,280 --> 00:08:29,000 Speaker 2: but like I have the budget to you know, buy 188 00:08:29,040 --> 00:08:31,960 Speaker 2: my parents some really nice gifts. But even though I 189 00:08:32,040 --> 00:08:34,320 Speaker 2: have the budget, I still really stress about it. So 190 00:08:34,559 --> 00:08:36,559 Speaker 2: just because you have the money for it doesn't make 191 00:08:36,600 --> 00:08:37,800 Speaker 2: it an easy process. 192 00:08:38,000 --> 00:08:38,160 Speaker 1: Yeah. 193 00:08:38,200 --> 00:08:40,720 Speaker 2: I think. In fact, you know, now that I have 194 00:08:40,920 --> 00:08:43,040 Speaker 2: like my big girl job, I put a lot more 195 00:08:43,040 --> 00:08:45,800 Speaker 2: pressure on myself to like get my parents really good 196 00:08:45,840 --> 00:08:48,319 Speaker 2: gifts because I love them and I adore them and 197 00:08:48,400 --> 00:08:51,400 Speaker 2: I want to show a really high level of gratitude 198 00:08:51,400 --> 00:08:53,760 Speaker 2: to them, and because gift giving is one of my 199 00:08:53,800 --> 00:08:56,160 Speaker 2: love languages. I put a lot of pressure on myself there. 200 00:08:56,400 --> 00:08:59,079 Speaker 2: But I think that that also I need to go 201 00:08:59,120 --> 00:09:00,880 Speaker 2: back and take some of my own advice because my 202 00:09:00,880 --> 00:09:03,120 Speaker 2: parents don't care. If I write my dad a card, 203 00:09:03,200 --> 00:09:05,199 Speaker 2: he'd be like, this is the best Christmas present I've 204 00:09:05,240 --> 00:09:07,839 Speaker 2: ever gotten. And if you ask him what he wants 205 00:09:07,840 --> 00:09:11,040 Speaker 2: for Christmas every year, jes like he's like, oh, love 206 00:09:11,080 --> 00:09:13,240 Speaker 2: a new white T shirt because he just doesn't buy 207 00:09:13,320 --> 00:09:15,720 Speaker 2: any of that stuff himself, and he knows that I'll 208 00:09:15,720 --> 00:09:18,120 Speaker 2: go buy a good quality one. He's like, oh love 209 00:09:18,160 --> 00:09:22,640 Speaker 2: Country Road, such good quality Cottons. Like that impresses him, honestly, 210 00:09:23,000 --> 00:09:25,160 Speaker 2: nearly as much as me going out and being like, 211 00:09:25,240 --> 00:09:27,120 Speaker 2: I got this tool that you really liked and I 212 00:09:27,240 --> 00:09:29,719 Speaker 2: thought really hard about. He'd be like, oh, thanks so much. 213 00:09:29,760 --> 00:09:31,720 Speaker 2: I'll be like, that's the same reaction to the T shirt. 214 00:09:31,720 --> 00:09:34,280 Speaker 2: So jess what kind of big stress points are being 215 00:09:34,360 --> 00:09:35,079 Speaker 2: put on you. 216 00:09:35,920 --> 00:09:37,959 Speaker 4: I relate to the gift thing, I think because it's 217 00:09:38,000 --> 00:09:40,600 Speaker 4: also one of my top love languages. Although unlike you, 218 00:09:40,760 --> 00:09:43,160 Speaker 4: I love both giving and receiving gifts. I wish I 219 00:09:43,240 --> 00:09:46,400 Speaker 4: was more not weird about it. Just it's a personal 220 00:09:46,679 --> 00:09:49,040 Speaker 4: value thing, and I think when I reflect on it, 221 00:09:49,080 --> 00:09:50,880 Speaker 4: the thing that I like about gifts, as you said, 222 00:09:51,000 --> 00:09:54,720 Speaker 4: it's not about the financial amount, it's not about whatever 223 00:09:54,760 --> 00:09:57,400 Speaker 4: it is. It's the fact that someone thought about you, 224 00:09:57,720 --> 00:10:00,480 Speaker 4: But that kind of plays into my stress upse For me, 225 00:10:00,600 --> 00:10:03,240 Speaker 4: the thing that I really stress about is getting a 226 00:10:03,280 --> 00:10:06,360 Speaker 4: gift for every person that I know. Like I will 227 00:10:06,400 --> 00:10:08,440 Speaker 4: get a gift for my male man because he comes 228 00:10:08,440 --> 00:10:09,840 Speaker 4: to my door ten thousand times a week. 229 00:10:10,120 --> 00:10:12,720 Speaker 2: Like if I'm going to you're being serious right now. 230 00:10:12,920 --> 00:10:15,920 Speaker 2: Our postal workers work very hard, and I absolutely do. 231 00:10:16,200 --> 00:10:20,400 Speaker 2: But like, is that within budget? Because okay, I like this. 232 00:10:20,640 --> 00:10:22,800 Speaker 2: I think that gratitude is really important. That's your way 233 00:10:22,800 --> 00:10:24,280 Speaker 2: of showing it. What are you getting the postman? 234 00:10:24,320 --> 00:10:24,680 Speaker 1: Though? Oh? 235 00:10:24,800 --> 00:10:25,600 Speaker 2: Only something small? 236 00:10:25,600 --> 00:10:27,800 Speaker 4: Like it would be like maybe some chocolates or okay, 237 00:10:28,120 --> 00:10:28,960 Speaker 4: I'm on board with that. 238 00:10:29,120 --> 00:10:31,440 Speaker 2: Yeah, nothing. Now you just make it feel guilty. I've 239 00:10:31,440 --> 00:10:34,800 Speaker 2: never bought my postman a pressent. Bullshit. Sorry, I'm going. 240 00:10:35,000 --> 00:10:37,920 Speaker 4: But like, if I go to a Christmas dinner with friends, 241 00:10:37,920 --> 00:10:40,880 Speaker 4: for example, and I'm like, oh, like, there's two people 242 00:10:40,920 --> 00:10:43,000 Speaker 4: out of ten people that I'm really good friends with 243 00:10:43,000 --> 00:10:45,559 Speaker 4: that I would normally buy a gift for. If I'm 244 00:10:45,559 --> 00:10:47,360 Speaker 4: going to a Christmas and you don't I only give 245 00:10:47,440 --> 00:10:49,320 Speaker 4: to some, I'm gonna buy a gift for every single 246 00:10:49,360 --> 00:10:51,280 Speaker 4: person there, and I want to spend the same amount 247 00:10:51,280 --> 00:10:53,280 Speaker 4: of money on every single person because I feel bad. 248 00:10:53,360 --> 00:10:56,800 Speaker 4: And so for me, it's almost about wanting to show 249 00:10:57,040 --> 00:11:00,200 Speaker 4: love and appreciation and wanting everybody to feel included. And 250 00:11:00,240 --> 00:11:02,920 Speaker 4: then I stress myself out because if I don't know 251 00:11:03,000 --> 00:11:04,880 Speaker 4: someone well enough, I'm like, I don't know what, and 252 00:11:04,920 --> 00:11:06,560 Speaker 4: it just becomes this big thing in my mind. 253 00:11:06,720 --> 00:11:09,160 Speaker 2: You are triggering me so much to a part of 254 00:11:09,200 --> 00:11:12,480 Speaker 2: my money story that I had completely forgotten. And it's 255 00:11:12,600 --> 00:11:16,120 Speaker 2: interesting because obviously gift gifting is my love language, and 256 00:11:16,240 --> 00:11:18,720 Speaker 2: it's absolutely my mum's love language as well. And I 257 00:11:18,760 --> 00:11:21,040 Speaker 2: remember every year we'd do the Chrismas shopping and she 258 00:11:21,120 --> 00:11:24,559 Speaker 2: would pick up like two or three additional quote gifts 259 00:11:24,760 --> 00:11:26,840 Speaker 2: to wrap and put under the tree in case anyone 260 00:11:26,920 --> 00:11:29,880 Speaker 2: popped over that she'd forgotten about, or we're going to 261 00:11:30,040 --> 00:11:33,160 Speaker 2: like a last minute like Christmas drinks or something, so 262 00:11:33,200 --> 00:11:35,600 Speaker 2: she could take a present and you know, make sure 263 00:11:35,679 --> 00:11:38,240 Speaker 2: that people weren't forgotten about if she'd actually left them 264 00:11:38,240 --> 00:11:40,080 Speaker 2: off the radar. And I feel like you are cut 265 00:11:40,120 --> 00:11:40,760 Speaker 2: paste my mother. 266 00:11:41,040 --> 00:11:44,040 Speaker 4: Yeah, we have a gifts cupboard, but it's like that thing, 267 00:11:44,120 --> 00:11:47,040 Speaker 4: and I think you go take a step back. If 268 00:11:47,080 --> 00:11:50,160 Speaker 4: I didn't buy a gift for my best friend's brother's cousin. 269 00:11:50,640 --> 00:11:52,840 Speaker 4: I don't think they just crass about it. I think 270 00:11:53,040 --> 00:11:55,600 Speaker 4: they didn't get me a gift, but it's just putting 271 00:11:55,720 --> 00:11:58,680 Speaker 4: that I think wanting everyone feel good and wanting to 272 00:11:58,679 --> 00:12:01,920 Speaker 4: show love to everybody, it does totally become bit of 273 00:12:01,920 --> 00:12:03,559 Speaker 4: a money p here. And I'm very conscious and I 274 00:12:03,640 --> 00:12:05,160 Speaker 4: do budget for it, and it's not like I'm putting 275 00:12:05,200 --> 00:12:07,560 Speaker 4: myself into debt. But that's something that I personally find 276 00:12:07,640 --> 00:12:09,440 Speaker 4: quite stressful, is knowing where to draw the line. 277 00:12:09,559 --> 00:12:11,880 Speaker 2: That's a lot of pressure to think that you need 278 00:12:11,920 --> 00:12:14,400 Speaker 2: to provide so much for other people that you don't 279 00:12:14,440 --> 00:12:17,679 Speaker 2: even know. And it's funny because I was talking again 280 00:12:17,840 --> 00:12:21,920 Speaker 2: before we organize this episode, like you're doing that for them, 281 00:12:22,000 --> 00:12:24,319 Speaker 2: But Jess, if we all went out to a group dinner, 282 00:12:24,320 --> 00:12:25,640 Speaker 2: you'd be like, well, I'm not going to pick up 283 00:12:25,640 --> 00:12:28,079 Speaker 2: the tab for them. I don't know them. They can 284 00:12:28,120 --> 00:12:31,400 Speaker 2: split the bill with me. So why do our values 285 00:12:31,559 --> 00:12:34,080 Speaker 2: change so much at Christmas time? Where I go from 286 00:12:34,120 --> 00:12:37,679 Speaker 2: being like, oh, Jess, let's split the bill to oh, Jess, like, well, 287 00:12:37,679 --> 00:12:40,120 Speaker 2: it's December, so I'm just gonna have a little bit 288 00:12:40,120 --> 00:12:42,320 Speaker 2: more financial anxiety because I need to give you a 289 00:12:42,360 --> 00:12:44,160 Speaker 2: gift like it makes no sense at all. So like, 290 00:12:44,240 --> 00:12:46,719 Speaker 2: let's segue back into the episode that we have been 291 00:12:46,720 --> 00:12:48,600 Speaker 2: trying to pull together, because I feel like we've gone 292 00:12:48,640 --> 00:12:51,560 Speaker 2: on a little bit of a tangent, which, honestly, it's 293 00:12:51,600 --> 00:12:53,880 Speaker 2: chees on the money, what were you expecting? But something 294 00:12:54,040 --> 00:12:57,679 Speaker 2: really worthwhile keeping in mind. According to McCrindle, an Australian 295 00:12:57,679 --> 00:13:01,719 Speaker 2: based social research, demographics and done it analytics agency, the 296 00:13:01,760 --> 00:13:04,360 Speaker 2: top three things Ozzies are most looking forward to it 297 00:13:04,440 --> 00:13:08,400 Speaker 2: Christmas is spending time with family, the food and celebrations, 298 00:13:08,440 --> 00:13:12,440 Speaker 2: and the Christmas chair. And also that Australians apparently value 299 00:13:12,520 --> 00:13:16,480 Speaker 2: experiences over just more things, which I absolutely agree. So 300 00:13:16,640 --> 00:13:19,320 Speaker 2: I feel like we need to put things in perspective. Jess, 301 00:13:19,800 --> 00:13:22,120 Speaker 2: does your postman really need a present? In light of 302 00:13:22,160 --> 00:13:22,600 Speaker 2: all of this. 303 00:13:22,679 --> 00:13:25,080 Speaker 4: Conversation, I'm still going to buy a present for the postman, 304 00:13:25,080 --> 00:13:26,640 Speaker 4: but maybe not for my best friend's brother's cousin. 305 00:13:26,800 --> 00:13:29,240 Speaker 2: Yeah, okay, no, no, But I mean I feel like 306 00:13:29,240 --> 00:13:31,880 Speaker 2: I've got a good relationship with my postman. He knows 307 00:13:31,920 --> 00:13:33,720 Speaker 2: where to put the parcel so Steve doesn't see them 308 00:13:33,760 --> 00:13:35,680 Speaker 2: when he comes in. Oh my god, postman, just what 309 00:13:35,720 --> 00:13:38,760 Speaker 2: am ten out of ten doing the most. Also, he's 310 00:13:38,880 --> 00:13:40,760 Speaker 2: nice to my dog, and any person that's nice to 311 00:13:40,760 --> 00:13:41,720 Speaker 2: a dog is a nice human. 312 00:13:41,840 --> 00:13:44,120 Speaker 4: I agree with all of that in mind, V what 313 00:13:44,160 --> 00:13:47,800 Speaker 4: can we kind of do about this pressure that makes 314 00:13:48,120 --> 00:13:50,760 Speaker 4: us more often than not blow our budget a little bit. 315 00:13:50,640 --> 00:13:52,920 Speaker 2: Out of proportion? All right? So I've talked about this 316 00:13:53,000 --> 00:13:55,920 Speaker 2: on the podcast before. I feel like we talked about 317 00:13:55,960 --> 00:13:59,280 Speaker 2: it actually during our live shows earlier this year. But 318 00:13:59,559 --> 00:14:01,880 Speaker 2: I want to talk about a really interesting way to 319 00:14:01,960 --> 00:14:05,200 Speaker 2: drow up your Christmas list, and it's by identifying your 320 00:14:05,240 --> 00:14:09,640 Speaker 2: love languages and that of your intended gift recipients. So, Jess, 321 00:14:09,880 --> 00:14:11,800 Speaker 2: you're acutely aware. And I mean this is probably half 322 00:14:11,880 --> 00:14:13,720 Speaker 2: the postman because you don't really know him that well, 323 00:14:13,720 --> 00:14:15,720 Speaker 2: But I mean you could pop out when he's dropping 324 00:14:15,760 --> 00:14:17,600 Speaker 2: off your next Amazon pastor and me like, hey, mabe, 325 00:14:17,600 --> 00:14:18,839 Speaker 2: I just want to talk to you about your love 326 00:14:18,880 --> 00:14:23,760 Speaker 2: like which one is yours? Not creepy, just interested, just curious, 327 00:14:23,840 --> 00:14:28,720 Speaker 2: just having a casual chat. But understanding the love languages 328 00:14:28,760 --> 00:14:31,560 Speaker 2: of your intended gift recipients is going to be really powerful, 329 00:14:31,680 --> 00:14:33,840 Speaker 2: right because Jess, let's like use you and I in 330 00:14:33,840 --> 00:14:36,600 Speaker 2: this circumstance, Like I do get a little bit uncomfortable 331 00:14:36,640 --> 00:14:39,000 Speaker 2: with gifts, but I love experiences. I love things that 332 00:14:39,000 --> 00:14:42,280 Speaker 2: are really thoughtful. I love things that people have spent 333 00:14:42,440 --> 00:14:45,720 Speaker 2: time doing, not necessarily like, oh, I hunted down this expense. 334 00:14:45,800 --> 00:14:48,360 Speaker 2: You think like I just don't care about the stuff, 335 00:14:48,360 --> 00:14:50,600 Speaker 2: And that's not me going over and occurb stuff because 336 00:14:50,680 --> 00:14:52,680 Speaker 2: Lord knows, I love stuff, but I want to buy 337 00:14:52,720 --> 00:14:55,520 Speaker 2: it myself because that doesn't make me feel guilty. So 338 00:14:55,800 --> 00:14:57,880 Speaker 2: if you were buying a gift for me, maybe you're 339 00:14:57,920 --> 00:15:00,280 Speaker 2: not thinking about a thing, but maybe something we could 340 00:15:00,280 --> 00:15:03,680 Speaker 2: do together. And I think if we look at love languages, 341 00:15:03,960 --> 00:15:07,360 Speaker 2: especially if you are a gift giver, and your instinct 342 00:15:07,400 --> 00:15:10,560 Speaker 2: is to absolutely go into overdrive at this time, which Jessica, 343 00:15:10,640 --> 00:15:13,840 Speaker 2: I'm literally hearing at you. But this isn't the way 344 00:15:13,880 --> 00:15:18,560 Speaker 2: that every single person deciphers love and decipher's value. So 345 00:15:18,760 --> 00:15:20,800 Speaker 2: I think that if your loved one is a quality 346 00:15:20,840 --> 00:15:23,320 Speaker 2: time person or an active service person, like have a 347 00:15:23,360 --> 00:15:26,800 Speaker 2: think about that. Like, I know my partner, Steve is 348 00:15:26,880 --> 00:15:30,520 Speaker 2: one thousand percent active service person. So I know that 349 00:15:30,600 --> 00:15:32,680 Speaker 2: if I made up a really cute gift out your 350 00:15:32,760 --> 00:15:34,640 Speaker 2: book and like did all of these things and said 351 00:15:34,640 --> 00:15:37,080 Speaker 2: we do this or that or I'll you know, rub 352 00:15:37,120 --> 00:15:39,600 Speaker 2: your feet if that's something that he's interested in, which 353 00:15:39,600 --> 00:15:41,920 Speaker 2: is not by the way, it's just a really random example. 354 00:15:42,120 --> 00:15:43,800 Speaker 2: I'm the one that wants to have my feet rubbed. 355 00:15:44,240 --> 00:15:47,520 Speaker 2: I know he would value that above and beyond just 356 00:15:47,560 --> 00:15:50,760 Speaker 2: getting another thing. He's just not a thing person. And 357 00:15:50,840 --> 00:15:52,640 Speaker 2: maybe you don't need to buy them a present. Maybe 358 00:15:52,640 --> 00:15:55,240 Speaker 2: you can make like the voutro was talking about, or 359 00:15:55,320 --> 00:15:58,200 Speaker 2: do a thoughtful act, or spend some time together and 360 00:15:58,280 --> 00:16:01,080 Speaker 2: try and marry these up to rejuice the pressure that 361 00:16:01,120 --> 00:16:04,360 Speaker 2: you put on yourself and your finances. So sure, you 362 00:16:04,400 --> 00:16:07,200 Speaker 2: absolutely can't do this for everybody on your list, like 363 00:16:07,200 --> 00:16:10,720 Speaker 2: your postmin or maybe your boss, but you'll very likely 364 00:16:10,800 --> 00:16:13,000 Speaker 2: find that this will have an impact on the way 365 00:16:13,040 --> 00:16:16,560 Speaker 2: that you spend at Christmas time from my perspective. 366 00:16:16,080 --> 00:16:18,480 Speaker 4: Absolutely, And if you're hearing us throw around the phrase 367 00:16:18,560 --> 00:16:21,080 Speaker 4: love languages and you're like, what are we talking about, 368 00:16:21,080 --> 00:16:23,240 Speaker 4: there's actually a test called the five lung languages, and 369 00:16:23,280 --> 00:16:26,160 Speaker 4: it essentially categorizes the way we like to give and 370 00:16:26,280 --> 00:16:28,600 Speaker 4: receive love. And those can be different because, as you said, 371 00:16:28,680 --> 00:16:30,840 Speaker 4: you lack to give gifts but not receive them, and 372 00:16:30,920 --> 00:16:34,120 Speaker 4: so identifying the way that you like to display love 373 00:16:34,200 --> 00:16:36,760 Speaker 4: and the way that your friends and family like to 374 00:16:36,800 --> 00:16:39,520 Speaker 4: receive love. You might find that more often than not, 375 00:16:39,760 --> 00:16:41,600 Speaker 4: you don't need to be spending money. Maybe it's just 376 00:16:41,640 --> 00:16:44,160 Speaker 4: about carving out some time to say, oh, let's go 377 00:16:44,200 --> 00:16:46,200 Speaker 4: to a picnic together, and you can spend twenty dollars 378 00:16:46,200 --> 00:16:48,240 Speaker 4: into a really nice DIY cheese board. 379 00:16:48,680 --> 00:16:50,960 Speaker 2: Buy yourself like a you know, five to ten bottle 380 00:16:51,000 --> 00:16:53,880 Speaker 2: of wine. Is it fit twenty five dollars audi cheese board, 381 00:16:53,920 --> 00:16:56,880 Speaker 2: pick up some lum your rose. You are on your way, 382 00:16:56,920 --> 00:16:58,320 Speaker 2: my love, You are on your way. 383 00:16:58,440 --> 00:17:00,680 Speaker 4: And it's you know here in Oz, it's summertime. It's 384 00:17:00,680 --> 00:17:03,120 Speaker 4: a great time to get outdoors and celebrate with people. 385 00:17:03,160 --> 00:17:05,680 Speaker 4: And you don't necessarily have to have money. If you 386 00:17:05,680 --> 00:17:08,119 Speaker 4: don't know your love languages. There is a free quiz 387 00:17:08,119 --> 00:17:09,680 Speaker 4: that you can do online. We'll link in the show notes. 388 00:17:09,880 --> 00:17:12,800 Speaker 2: Yeah. Absolutely, I think it's really interesting as well, Like 389 00:17:12,920 --> 00:17:14,520 Speaker 2: I keep being like, what do you mean? I don't 390 00:17:14,560 --> 00:17:16,760 Speaker 2: like giving gifts, So I love the idea of giving gifts. 391 00:17:16,800 --> 00:17:20,840 Speaker 2: I just feel ah awkward about it. And in saying that, 392 00:17:20,920 --> 00:17:23,840 Speaker 2: I also think that there's this idea that you have 393 00:17:23,920 --> 00:17:27,080 Speaker 2: to go out to celebrate, Like I love the idea 394 00:17:27,080 --> 00:17:28,920 Speaker 2: of being like, hey, Jess, do you and James want 395 00:17:28,920 --> 00:17:31,240 Speaker 2: to come over? Like I'm going to make this Lazonia 396 00:17:31,359 --> 00:17:32,560 Speaker 2: or whatever I'm going to make. Do you want to 397 00:17:32,560 --> 00:17:34,840 Speaker 2: bring dessert? And like we'll provide the wine or whatever. 398 00:17:35,480 --> 00:17:38,520 Speaker 2: Cheap night really exciting. I'm going to go old school 399 00:17:38,560 --> 00:17:40,879 Speaker 2: here and say that I break out the board games 400 00:17:40,920 --> 00:17:41,840 Speaker 2: a fair bit when free. 401 00:17:41,960 --> 00:17:44,520 Speaker 4: I was just gonna say that board games, if you 402 00:17:44,560 --> 00:17:46,800 Speaker 4: give someone a board game, you can usually get them 403 00:17:46,800 --> 00:17:48,639 Speaker 4: for twenty dollars or less. And if you popped a 404 00:17:48,680 --> 00:17:50,920 Speaker 4: little note saying here's a board game and an I 405 00:17:51,119 --> 00:17:53,440 Speaker 4: owe you for a night, you know, with our couples 406 00:17:53,520 --> 00:17:56,000 Speaker 4: or with our group of friends, that's really cute. 407 00:17:56,080 --> 00:17:58,960 Speaker 2: That is really cute. And Kmart have some really cheap ones. Okay, 408 00:17:58,960 --> 00:18:00,560 Speaker 2: I've just thought of a gift or the fly that 409 00:18:00,600 --> 00:18:03,399 Speaker 2: I think you're gonna love, Jess. So again, I'm just 410 00:18:03,440 --> 00:18:06,760 Speaker 2: like pumping Audi's tires up. They aren't sponsoring this. I'm 411 00:18:06,840 --> 00:18:10,040 Speaker 2: just like a megafan they recently won. I think it's 412 00:18:10,080 --> 00:18:13,640 Speaker 2: like a gold Award for their peanut gricio. It's four 413 00:18:13,760 --> 00:18:17,120 Speaker 2: ninety five bargain, get a bottle of wine, buy a 414 00:18:17,200 --> 00:18:19,760 Speaker 2: really cheap board game. It doesn't even have to be 415 00:18:19,880 --> 00:18:21,800 Speaker 2: like a branded board game. It could just be an 416 00:18:21,840 --> 00:18:25,600 Speaker 2: activity that you do together. That's the gift. Yeah, ten 417 00:18:25,640 --> 00:18:28,200 Speaker 2: to fifteen dollars, and it's thoughtful. And you could write 418 00:18:28,200 --> 00:18:30,399 Speaker 2: a really cute card and it could be a you 419 00:18:30,440 --> 00:18:33,280 Speaker 2: can't open this until we're having dinner together, Like, how 420 00:18:33,320 --> 00:18:35,400 Speaker 2: cute is that? I turn out of ten would love 421 00:18:35,480 --> 00:18:37,639 Speaker 2: that present because it's the thought that counts. 422 00:18:37,760 --> 00:18:40,439 Speaker 4: Yess, I love that. I think that is such a 423 00:18:40,480 --> 00:18:43,120 Speaker 4: sweet idea. Let's dash to a break and then when 424 00:18:43,119 --> 00:18:45,000 Speaker 4: we come back there, I want to talk through your 425 00:18:45,080 --> 00:18:47,280 Speaker 4: list of tips that I know you've always got about 426 00:18:47,280 --> 00:18:49,480 Speaker 4: how to keep Christmas on track financially. 427 00:18:49,560 --> 00:18:52,359 Speaker 2: Don't go anywhere back, Cancel Christmas. That's the plan. No, please, 428 00:18:52,400 --> 00:18:58,400 Speaker 2: don't welcome back everybody. 429 00:18:58,440 --> 00:19:02,120 Speaker 4: Today we're talking about Christmas, the social and financial pressures 430 00:19:02,119 --> 00:19:04,440 Speaker 4: and anxiety that a lot of us feel around that time, 431 00:19:04,760 --> 00:19:06,680 Speaker 4: and most importantly, how we can avoid that. 432 00:19:06,720 --> 00:19:09,000 Speaker 2: And Victoria all right, Jess, well, I guess the answer 433 00:19:09,040 --> 00:19:11,040 Speaker 2: to this is actually just to cancel Christmas. 434 00:19:11,080 --> 00:19:13,199 Speaker 4: Oh my gosh, Please no, tell me you've got some 435 00:19:13,280 --> 00:19:15,040 Speaker 4: other good options on your list for me. No, I 436 00:19:15,040 --> 00:19:17,280 Speaker 4: mean I've got a few options on my list but honestly, 437 00:19:17,359 --> 00:19:20,040 Speaker 4: if you just entirely skipped this period of the year, 438 00:19:20,200 --> 00:19:22,480 Speaker 4: like you would save so much money, you would, But 439 00:19:22,560 --> 00:19:24,000 Speaker 4: I don't want to do it. No, we're not going 440 00:19:24,040 --> 00:19:25,960 Speaker 4: to be doing that. So do I even need to 441 00:19:26,000 --> 00:19:28,159 Speaker 4: say this as the first tip? Yeah, Like, we need 442 00:19:28,200 --> 00:19:30,440 Speaker 4: to set a budget. We need to identify how much 443 00:19:30,480 --> 00:19:32,679 Speaker 4: you've got to spend and what you want to spend 444 00:19:32,720 --> 00:19:36,400 Speaker 4: per gift or buy each category. So don't discount homemade 445 00:19:36,400 --> 00:19:39,919 Speaker 4: gifts or practical presence or experiences in the gift of 446 00:19:39,960 --> 00:19:42,560 Speaker 4: time through babysitting or cooking dinner for a loved one. 447 00:19:42,720 --> 00:19:45,080 Speaker 4: I've got a few girlfriends who have had their first 448 00:19:45,080 --> 00:19:48,200 Speaker 4: babies this year, and honestly, it's the most exciting thing 449 00:19:48,240 --> 00:19:51,080 Speaker 4: in the entire world. I get called Auntie Tory and 450 00:19:51,119 --> 00:19:53,199 Speaker 4: I get to steal their babies and it is my 451 00:19:53,320 --> 00:19:54,040 Speaker 4: favorite thing. 452 00:19:54,400 --> 00:19:57,719 Speaker 2: But being so close to them now, I know that 453 00:19:57,720 --> 00:20:01,080 Speaker 2: they would absolutely adore babysitting. Here is a gift voucher. 454 00:20:01,359 --> 00:20:04,160 Speaker 2: I'm gonna come over obviously, if you're trusted with the kid. 455 00:20:04,200 --> 00:20:07,119 Speaker 2: I think that this is like a pretty fickle area 456 00:20:07,160 --> 00:20:08,720 Speaker 2: because you can't just be like, oh, just give it 457 00:20:08,720 --> 00:20:10,199 Speaker 2: a chess and just it's like, I don't want you 458 00:20:10,240 --> 00:20:13,720 Speaker 2: to look after aid, but I think it's like one 459 00:20:13,760 --> 00:20:15,439 Speaker 2: of those things where if you know you're trusted with 460 00:20:15,520 --> 00:20:17,520 Speaker 2: the baby, be like, hey, I'm going to come over 461 00:20:17,640 --> 00:20:19,679 Speaker 2: and give you like a night off. You can go 462 00:20:19,720 --> 00:20:22,119 Speaker 2: and have your own date night. Money win, and you 463 00:20:22,200 --> 00:20:24,159 Speaker 2: get to spend some quality time with a kid that 464 00:20:24,200 --> 00:20:27,640 Speaker 2: you love. Like that's huge. I'm obsessed. But don't feel 465 00:20:27,640 --> 00:20:30,159 Speaker 2: like you have to spend every dollar you've allocated either, Like, 466 00:20:30,200 --> 00:20:32,200 Speaker 2: if you see a really good gift for like sixty 467 00:20:32,240 --> 00:20:35,280 Speaker 2: dollars and your budget was seventy five, please bank that 468 00:20:35,400 --> 00:20:39,120 Speaker 2: difference or reallocate it to something else. Don't just be like, oh, 469 00:20:39,160 --> 00:20:41,960 Speaker 2: well I budgeted seventy five dollars for Jess's gift. I 470 00:20:42,000 --> 00:20:44,560 Speaker 2: really should get another extra thing to add on. Like 471 00:20:44,640 --> 00:20:47,119 Speaker 2: that's not what we do. That is not a smart 472 00:20:47,119 --> 00:20:50,000 Speaker 2: money decision. I love and then know your shopping style, 473 00:20:50,200 --> 00:20:52,560 Speaker 2: so think about it. If you're more likely to overspend 474 00:20:52,560 --> 00:20:54,960 Speaker 2: when you're in the store and feeling a bit sentimental, 475 00:20:55,160 --> 00:20:58,240 Speaker 2: maybe we need to do a little bit more online shopping. 476 00:20:58,320 --> 00:21:00,640 Speaker 2: But if you're more likely to go overboard online by 477 00:21:00,640 --> 00:21:03,199 Speaker 2: adding everything to your cut and just quote working it 478 00:21:03,240 --> 00:21:06,120 Speaker 2: out later, maybe you need to go physically into the store. 479 00:21:06,280 --> 00:21:08,480 Speaker 2: You can't just get click happy and add everything to 480 00:21:08,520 --> 00:21:11,080 Speaker 2: your cut because it doesn't feel as real. The other 481 00:21:11,119 --> 00:21:13,360 Speaker 2: thing I would say is listen to our points hack 482 00:21:13,480 --> 00:21:17,280 Speaker 2: episode and use your loyalty or rewards points. Thinking about 483 00:21:17,280 --> 00:21:19,640 Speaker 2: your shop back. Cash back is probably a really good 484 00:21:19,640 --> 00:21:22,119 Speaker 2: thing right now. I mean, shopback's not gonna love the 485 00:21:22,160 --> 00:21:24,040 Speaker 2: factor that I'm telling you all to take all your 486 00:21:24,040 --> 00:21:26,520 Speaker 2: money out all at the same time, but anything you've 487 00:21:26,560 --> 00:21:29,760 Speaker 2: accumulated is gonna discount what you actually have to spend 488 00:21:29,760 --> 00:21:32,919 Speaker 2: on Christmas. Make a list and check it twice or 489 00:21:33,080 --> 00:21:34,960 Speaker 2: just stick to it. I don't even care how many 490 00:21:34,960 --> 00:21:38,119 Speaker 2: times you check it. It's estimated each and every single 491 00:21:38,200 --> 00:21:42,040 Speaker 2: year that waste increases by thirty percent at Christmas. So 492 00:21:42,359 --> 00:21:44,679 Speaker 2: do your bit for the environment and your budget and 493 00:21:44,720 --> 00:21:46,840 Speaker 2: make a list, maybe on the back of a piece 494 00:21:46,840 --> 00:21:49,000 Speaker 2: of recycled paper, so that we're not contributing to that 495 00:21:49,119 --> 00:21:51,959 Speaker 2: additional waste. As well as gifts and stuff like that 496 00:21:51,960 --> 00:21:54,159 Speaker 2: for your nearest and dearest, you also need to factor 497 00:21:54,200 --> 00:21:57,560 Speaker 2: in group gifts, so like Chris Kringles and wrapping paper 498 00:21:57,600 --> 00:22:01,120 Speaker 2: and postage and decorations. I cannot tell you how much 499 00:22:01,160 --> 00:22:03,280 Speaker 2: money over the years, I have spent on last minute 500 00:22:03,280 --> 00:22:06,000 Speaker 2: gift ropping gift bags and cards because I just haven't 501 00:22:06,000 --> 00:22:08,000 Speaker 2: pre planned it and don't have my stash of one 502 00:22:08,040 --> 00:22:10,080 Speaker 2: dollar cards from the two dollar shop, you know, Like, 503 00:22:10,119 --> 00:22:12,199 Speaker 2: I just feel like being prepared at this point of 504 00:22:12,240 --> 00:22:14,920 Speaker 2: the year is a really really good idea. And then 505 00:22:15,080 --> 00:22:17,920 Speaker 2: also plan the festive food that you're going to prepare 506 00:22:17,960 --> 00:22:20,360 Speaker 2: so that you don't over cater and throw food out. 507 00:22:20,760 --> 00:22:23,240 Speaker 2: And potentially this is another tip that I got from 508 00:22:23,240 --> 00:22:25,479 Speaker 2: my mum, if you're making like a really big salad, 509 00:22:25,520 --> 00:22:28,000 Speaker 2: which maybe you are maybe not, don't put all the 510 00:22:28,119 --> 00:22:30,600 Speaker 2: dressing on the salad, like put the salad dressing on 511 00:22:30,640 --> 00:22:33,200 Speaker 2: the side, because you can't put salad back in the fridge. 512 00:22:33,240 --> 00:22:35,760 Speaker 2: If it's covered in dressing, it goes all soggy and gross. 513 00:22:36,480 --> 00:22:38,760 Speaker 2: But if people just put their dressing on the plate, 514 00:22:38,880 --> 00:22:40,720 Speaker 2: you can pop the salad back in the fridge and 515 00:22:40,720 --> 00:22:42,800 Speaker 2: then have it for a few days instead of it 516 00:22:42,840 --> 00:22:44,439 Speaker 2: all going soggy and you're having to throw it out 517 00:22:44,440 --> 00:22:47,480 Speaker 2: because it's absolutely gone to absolute sh one t as 518 00:22:47,520 --> 00:22:50,520 Speaker 2: my dad would say. Yes, the next thing I want 519 00:22:50,560 --> 00:22:53,160 Speaker 2: to say is suggest that your family and friends only 520 00:22:53,160 --> 00:22:56,000 Speaker 2: buy gifts for the kids or organize a like secret 521 00:22:56,040 --> 00:22:59,280 Speaker 2: center among adults. So in my family we do this, 522 00:22:59,640 --> 00:23:02,680 Speaker 2: so under the age of eighteen you get presents regardless 523 00:23:03,000 --> 00:23:05,000 Speaker 2: if you're over the age of eighteen, you go into 524 00:23:05,000 --> 00:23:07,119 Speaker 2: the family Chris Kringle and then you only have to 525 00:23:07,119 --> 00:23:09,520 Speaker 2: buy one present for one person. And given we have 526 00:23:09,600 --> 00:23:13,080 Speaker 2: a larger extended family, this ends up working out really 527 00:23:13,280 --> 00:23:15,879 Speaker 2: really well. And I kind of like when a present 528 00:23:15,880 --> 00:23:17,600 Speaker 2: turns up and I have no idea who it's from 529 00:23:17,760 --> 00:23:19,880 Speaker 2: until Christmas Day and then I'm like, oh my gosh, 530 00:23:19,920 --> 00:23:22,160 Speaker 2: it's from my aunt or whatever it is, and it's 531 00:23:22,200 --> 00:23:25,320 Speaker 2: actually really really sweet. So definitely set a budget and 532 00:23:25,320 --> 00:23:27,280 Speaker 2: stick to it. But I promise you're not the only 533 00:23:27,280 --> 00:23:30,200 Speaker 2: ones stressing about finance. Like, if you're stressing about it, Jess, 534 00:23:30,280 --> 00:23:32,760 Speaker 2: your sister's probably stressing about it. If your sister's stressing 535 00:23:32,800 --> 00:23:34,760 Speaker 2: about it, your parents are probably a little bit worried. 536 00:23:34,840 --> 00:23:38,679 Speaker 2: Because finance is something that is universally stressful. It's not 537 00:23:38,880 --> 00:23:42,320 Speaker 2: just you who's worried about it, it's everybody. We're going 538 00:23:42,359 --> 00:23:45,119 Speaker 2: through a crisis of an increasing cost in living. We 539 00:23:45,160 --> 00:23:48,320 Speaker 2: shouldn't be surprised about these things. But I think up 540 00:23:48,400 --> 00:23:51,240 Speaker 2: until now, it's always been so taboo to talk about. 541 00:23:51,359 --> 00:23:53,600 Speaker 2: It's always been like, oh, don't say that money stresses 542 00:23:53,600 --> 00:23:56,439 Speaker 2: you at Christmas time. Christmas time is about giving. No, 543 00:23:56,560 --> 00:23:59,920 Speaker 2: it's not. It's about also being festive and kind and general, 544 00:24:00,280 --> 00:24:02,880 Speaker 2: and sometimes you need to do all of those things 545 00:24:02,880 --> 00:24:06,840 Speaker 2: for yourself. Obviously, I'm gonna say, find low cost ways 546 00:24:06,840 --> 00:24:08,919 Speaker 2: to have fun. We talked about board games and dinners 547 00:24:08,920 --> 00:24:11,919 Speaker 2: at friends' houses, but literally, don't let money be the 548 00:24:11,960 --> 00:24:14,040 Speaker 2: thing that cuts you off from your friends and family. 549 00:24:14,560 --> 00:24:18,600 Speaker 2: Like last year during COVID, I learnt and I don't 550 00:24:18,640 --> 00:24:21,800 Speaker 2: know how is this legal? I don't know, Jess. You're 551 00:24:21,840 --> 00:24:23,960 Speaker 2: about to tell me. I learned how to make a 552 00:24:24,000 --> 00:24:26,080 Speaker 2: really good espresso martini and put it in a frank 553 00:24:26,119 --> 00:24:28,879 Speaker 2: green cup and go for walks with my girlfriends. You 554 00:24:28,920 --> 00:24:31,320 Speaker 2: can do that at the park. You could probably don't 555 00:24:31,359 --> 00:24:33,160 Speaker 2: do it at the children's park, but you could walk 556 00:24:33,200 --> 00:24:35,399 Speaker 2: through the park and go for a walk with a 557 00:24:35,440 --> 00:24:37,960 Speaker 2: cocktail in hand and have a really fun time. And 558 00:24:38,240 --> 00:24:41,639 Speaker 2: if you can't afford super expensive restaurants, but you really 559 00:24:41,720 --> 00:24:45,440 Speaker 2: like a cocktail with a girlfriend, invite or over. Say hey, Jess, 560 00:24:45,480 --> 00:24:47,399 Speaker 2: do you want to do a cocktail night at my place? 561 00:24:47,720 --> 00:24:50,200 Speaker 2: You'll obviously say yes, and I'll be like, Okay, cool, 562 00:24:50,400 --> 00:24:52,439 Speaker 2: I'm going to bring this spirit and these sides, and 563 00:24:52,480 --> 00:24:54,800 Speaker 2: you bring that spirit and these sides, and we're just 564 00:24:54,920 --> 00:24:56,639 Speaker 2: making it together by ourselves. 565 00:24:56,840 --> 00:24:57,320 Speaker 4: So cute. 566 00:24:57,480 --> 00:25:00,440 Speaker 2: So cute, but also far more budget friendly. I think 567 00:25:00,480 --> 00:25:04,439 Speaker 2: that there's this idea that if Jess, you're coming to 568 00:25:04,480 --> 00:25:07,640 Speaker 2: my house, I must cater for absolutely everything, and it's 569 00:25:07,680 --> 00:25:10,159 Speaker 2: a bit rude to ask you to bring something to 570 00:25:10,200 --> 00:25:13,040 Speaker 2: my house, Like is that I feel like that's a thing. Yeah, 571 00:25:13,080 --> 00:25:15,040 Speaker 2: but I agree. I grew up and my mum always 572 00:25:15,080 --> 00:25:17,440 Speaker 2: said don't turn up empty handed. Ever, Like if you're 573 00:25:17,440 --> 00:25:19,080 Speaker 2: going over to someone's house for dinner, like you would 574 00:25:19,080 --> 00:25:21,080 Speaker 2: always take chocolates or a gift or whatever it is, 575 00:25:21,440 --> 00:25:23,480 Speaker 2: Like why don't you just make that a really productive 576 00:25:24,000 --> 00:25:26,960 Speaker 2: quote gift or Hey Jess, why don't you do dessert? 577 00:25:27,080 --> 00:25:29,560 Speaker 2: Or I will do dinner. I just feel like I 578 00:25:29,600 --> 00:25:31,280 Speaker 2: have a lot of feelings on this, and I also 579 00:25:31,320 --> 00:25:34,159 Speaker 2: think that that doesn't need to be expensive either, Like 580 00:25:34,240 --> 00:25:36,639 Speaker 2: there's something really wholesome about being, hey Jess, do you 581 00:25:36,680 --> 00:25:39,240 Speaker 2: want to come over to dinner? We're having spaghetti Bollonneis 582 00:25:39,400 --> 00:25:42,760 Speaker 2: it does not have to be a fancy steak that 583 00:25:42,840 --> 00:25:45,160 Speaker 2: you never make at home. Why don't you just make 584 00:25:45,160 --> 00:25:48,000 Speaker 2: a classic that you know is well loved, Like, I 585 00:25:48,040 --> 00:25:50,359 Speaker 2: know you're gonna love it. Jess is a past a fiend. 586 00:25:50,760 --> 00:25:53,000 Speaker 2: Ten out of ten invited to my house, feedo pasta. 587 00:25:53,080 --> 00:25:54,840 Speaker 2: It is cheap, it is easy, and she's going to 588 00:25:54,840 --> 00:25:56,800 Speaker 2: have a fun time. I like that a lot. And 589 00:25:56,920 --> 00:25:59,320 Speaker 2: now as you like pasta a lot, Jessica, it's very true. 590 00:25:59,440 --> 00:26:04,240 Speaker 4: Let's come to talking about how over Christmas it often 591 00:26:04,280 --> 00:26:06,679 Speaker 4: gets a little bit overwhelming for people in terms of 592 00:26:06,720 --> 00:26:09,920 Speaker 4: mental health and you know, feeling good about ourselves. How 593 00:26:09,920 --> 00:26:15,360 Speaker 4: can we reframe those expectations into useful or practical conversations 594 00:26:15,359 --> 00:26:17,520 Speaker 4: that we can have with the people around us to 595 00:26:17,600 --> 00:26:20,440 Speaker 4: kind of take the pressure off of ourselves a little bit. Yeah, 596 00:26:20,440 --> 00:26:23,320 Speaker 4: this goes back to like the community around you, in 597 00:26:23,359 --> 00:26:25,200 Speaker 4: the circle that you have around you, and I think 598 00:26:25,240 --> 00:26:28,119 Speaker 4: it's really important to weigh up all the obligations and 599 00:26:28,200 --> 00:26:30,520 Speaker 4: wants over that period of time and remember that it 600 00:26:30,600 --> 00:26:32,640 Speaker 4: is a really short period of time and that other 601 00:26:32,720 --> 00:26:36,080 Speaker 4: people in your circle probably have those same pressures being 602 00:26:36,160 --> 00:26:39,840 Speaker 4: applied to them and saying, hey, jes how are you 603 00:26:39,880 --> 00:26:41,440 Speaker 4: just catch up in the new year when we're both 604 00:26:41,480 --> 00:26:43,920 Speaker 4: a little less stressed, they'll be like, oh, yeah, great, 605 00:26:44,040 --> 00:26:47,639 Speaker 4: no worries. I think sometimes, like, for example, if I 606 00:26:47,680 --> 00:26:50,359 Speaker 4: said to you, Hey, Jess, we really need to catch 607 00:26:50,400 --> 00:26:53,680 Speaker 4: up before Christmas, you might get a pang of guilt, like, oh, 608 00:26:53,720 --> 00:26:55,960 Speaker 4: if he really wants to do that. I might be 609 00:26:56,000 --> 00:26:58,160 Speaker 4: asking you because I feel guilty because I haven't seen 610 00:26:58,200 --> 00:27:00,919 Speaker 4: you in nearly twelve months and I've just realized that 611 00:27:01,000 --> 00:27:02,800 Speaker 4: I haven't caught up with what I thought was a 612 00:27:02,800 --> 00:27:04,760 Speaker 4: really good friend in almost twelve months, and I'm a 613 00:27:04,760 --> 00:27:06,800 Speaker 4: little bit stressed about it. If you turned around and said, 614 00:27:06,800 --> 00:27:08,639 Speaker 4: oh my gosh, this time of year is crazy. How 615 00:27:08,640 --> 00:27:11,040 Speaker 4: about we sit down and have a proper dinner together 616 00:27:11,200 --> 00:27:13,000 Speaker 4: in the new year, I'd be like, oh great, no 617 00:27:13,119 --> 00:27:15,159 Speaker 4: worries to yes. So I think you need to remember 618 00:27:15,160 --> 00:27:17,600 Speaker 4: that you're not the only one experiencing this stress. There's 619 00:27:17,640 --> 00:27:20,080 Speaker 4: a lot more demand on our time and our energy 620 00:27:20,160 --> 00:27:22,800 Speaker 4: and our finances during this time that you're not the 621 00:27:22,840 --> 00:27:25,560 Speaker 4: only one that is going to be stressed by this. 622 00:27:26,320 --> 00:27:28,160 Speaker 2: Yeah, that's a really good advice there. 623 00:27:28,240 --> 00:27:30,360 Speaker 4: And on the flip side of that, for people who 624 00:27:30,359 --> 00:27:33,880 Speaker 4: are feeling isolated or lonely, maybe they've got past trauma 625 00:27:34,160 --> 00:27:37,040 Speaker 4: or they're not super close with their family. Christmas can 626 00:27:37,119 --> 00:27:40,639 Speaker 4: be particularly triggering, and we know that the festive season 627 00:27:40,720 --> 00:27:43,040 Speaker 4: is not so festive for everybody, and it's a time 628 00:27:43,080 --> 00:27:46,400 Speaker 4: when we see suicide rates increase and mental health crises 629 00:27:46,520 --> 00:27:48,879 Speaker 4: escalate as well. What are some things that we can 630 00:27:48,960 --> 00:27:51,560 Speaker 4: keep in mind for ourselves and the other people around 631 00:27:51,640 --> 00:27:54,280 Speaker 4: us when considering mental health over Christmas? 632 00:27:54,480 --> 00:27:58,040 Speaker 2: Yeah, look one hundred percent. And it's honestly so important 633 00:27:58,119 --> 00:28:00,520 Speaker 2: to keep this front of mine at this period of time. 634 00:28:00,680 --> 00:28:03,520 Speaker 2: I mean during the entire year, it is really important. 635 00:28:03,560 --> 00:28:06,520 Speaker 2: But Christmas makes people feel extra lonely because it's that 636 00:28:06,640 --> 00:28:08,679 Speaker 2: one holiday during the year, because it's not like a 637 00:28:08,680 --> 00:28:11,000 Speaker 2: birthday where it's your birthday and it's not mine, Jess. 638 00:28:11,080 --> 00:28:13,719 Speaker 2: It's that one period of the year where everyone is 639 00:28:13,800 --> 00:28:16,959 Speaker 2: showering each other in love, showering each other in attention, 640 00:28:17,080 --> 00:28:20,720 Speaker 2: and it can feel extra lonely and it breaks my heart. 641 00:28:20,760 --> 00:28:25,439 Speaker 2: But split families and unresolved complex do contribute to Christmas anxiety, 642 00:28:25,480 --> 00:28:28,959 Speaker 2: and family and relationship problems can be a massive trigger 643 00:28:29,000 --> 00:28:31,920 Speaker 2: for anxiety. And there's a few things that I want 644 00:28:32,119 --> 00:28:34,320 Speaker 2: us to think about. So first things first is to 645 00:28:34,320 --> 00:28:38,560 Speaker 2: set really realistic expectations like Christmas might not actually be 646 00:28:38,800 --> 00:28:42,480 Speaker 2: that sunshine and lights and fabulous family reunion that you'd 647 00:28:42,520 --> 00:28:45,960 Speaker 2: ever hoped for. So maybe plan how you might manage 648 00:28:46,000 --> 00:28:48,480 Speaker 2: these feelings during that period of time, Like are you 649 00:28:48,560 --> 00:28:50,520 Speaker 2: going to feel extra anxious? Are you going to feel 650 00:28:50,520 --> 00:28:53,320 Speaker 2: a little bit depressed during this time? Like can you 651 00:28:53,400 --> 00:28:55,400 Speaker 2: give the gift of a phone call and check in 652 00:28:55,440 --> 00:28:57,960 Speaker 2: with a friend or a family member, Like, we know 653 00:28:58,160 --> 00:29:01,000 Speaker 2: this is a really lonely period of time for some people, 654 00:29:01,400 --> 00:29:05,000 Speaker 2: but also when it comes to family, Oh, it's a 655 00:29:05,000 --> 00:29:08,640 Speaker 2: bit of a controversial, inspicy topic, Like you don't have 656 00:29:08,720 --> 00:29:11,200 Speaker 2: to spend time with people who make you feel like 657 00:29:11,240 --> 00:29:14,160 Speaker 2: shit jes Like you can call it and be like 658 00:29:14,320 --> 00:29:16,800 Speaker 2: I'm just using not to engage in that. And it 659 00:29:16,920 --> 00:29:19,560 Speaker 2: might not be the stereotypical thing, it might not be 660 00:29:20,000 --> 00:29:22,920 Speaker 2: a cultural thing, but I just think that you putting 661 00:29:22,960 --> 00:29:25,800 Speaker 2: your mental health first and going gin know what? That 662 00:29:25,920 --> 00:29:28,160 Speaker 2: is not worth it for me? Yeah, is one becoming 663 00:29:28,200 --> 00:29:31,520 Speaker 2: fun or popular these days? But too just so important 664 00:29:31,640 --> 00:29:34,320 Speaker 2: and such a strong decision to make, Like if you 665 00:29:34,440 --> 00:29:38,600 Speaker 2: have an incredibly fractured relationship with a family and you're like, 666 00:29:38,640 --> 00:29:40,880 Speaker 2: oh far out, Like I've been really dreading Christmas Day 667 00:29:40,880 --> 00:29:42,400 Speaker 2: because I have to go to my parents' house and 668 00:29:42,400 --> 00:29:44,120 Speaker 2: I have to do this and I hate them. I 669 00:29:44,120 --> 00:29:46,160 Speaker 2: don't like them, I don't want anything to do with them. 670 00:29:46,680 --> 00:29:49,000 Speaker 2: Why does this one part of the year have to 671 00:29:49,120 --> 00:29:51,040 Speaker 2: change if you don't want to engage with them at 672 00:29:51,080 --> 00:29:54,120 Speaker 2: any other part of the year. I think setting realistic 673 00:29:54,160 --> 00:29:57,080 Speaker 2: expectations about one how you feel, but to how you're 674 00:29:57,120 --> 00:30:00,840 Speaker 2: going to manage it is really important. And asking yourself 675 00:30:00,880 --> 00:30:03,440 Speaker 2: the question if I was being kindest to myself, what 676 00:30:03,520 --> 00:30:06,520 Speaker 2: would I do? It's probably a really good place to start, 677 00:30:06,640 --> 00:30:10,080 Speaker 2: because often we ask ourselves what should I do? And 678 00:30:10,120 --> 00:30:13,520 Speaker 2: what should you do? Usually comes from other people's expectations, 679 00:30:13,520 --> 00:30:15,720 Speaker 2: But the answer to the question of what is the 680 00:30:15,840 --> 00:30:18,360 Speaker 2: kindest thing I could do for myself in this situation 681 00:30:18,560 --> 00:30:21,160 Speaker 2: comes from you actually putting yourself first. And I think 682 00:30:21,200 --> 00:30:24,000 Speaker 2: that that is really really important. Or if you are lonely, 683 00:30:24,200 --> 00:30:26,440 Speaker 2: or even just really low and cash and still want 684 00:30:26,440 --> 00:30:28,920 Speaker 2: to give back, you can volunteer some time for national 685 00:30:29,040 --> 00:30:32,280 Speaker 2: organizations like the Red Cross or Saint Vincent to Paul 686 00:30:32,640 --> 00:30:35,760 Speaker 2: or literally there are so many places, and the one 687 00:30:35,840 --> 00:30:38,880 Speaker 2: place I would visit is like your local council website 688 00:30:39,120 --> 00:30:41,680 Speaker 2: and see if there's like a Christmas lunch happening that 689 00:30:41,720 --> 00:30:44,280 Speaker 2: you could volunteer some time at, Like, that's such a 690 00:30:44,320 --> 00:30:48,040 Speaker 2: good way of giving back, and it's definitely not what 691 00:30:48,080 --> 00:30:50,600 Speaker 2: you expect it to be. I remember one year my 692 00:30:50,720 --> 00:30:53,480 Speaker 2: mom was like, hey, girls, like I really want you 693 00:30:53,720 --> 00:30:55,560 Speaker 2: to see that Christmas is not the same for every 694 00:30:55,600 --> 00:30:59,360 Speaker 2: single family, And instead of having family lunch at our 695 00:30:59,440 --> 00:31:02,400 Speaker 2: dinner table as we always would with our family, we 696 00:31:02,480 --> 00:31:05,200 Speaker 2: literally went down to a community Christmas lunch and helped 697 00:31:05,280 --> 00:31:06,880 Speaker 2: serve that and do that. And that was one of 698 00:31:06,960 --> 00:31:11,480 Speaker 2: the most wholesome experiences of my entire life, because one, 699 00:31:11,520 --> 00:31:15,400 Speaker 2: it gave me a really beautiful sense of gratitude, but two, 700 00:31:15,720 --> 00:31:18,040 Speaker 2: I was like, there are all these really cool people 701 00:31:18,080 --> 00:31:20,400 Speaker 2: here that I got to spend Christmas with, and there's 702 00:31:20,440 --> 00:31:22,560 Speaker 2: just so much love floating around there. So if you 703 00:31:22,600 --> 00:31:25,280 Speaker 2: are on your own, that could be a really good opportunity. 704 00:31:25,800 --> 00:31:28,000 Speaker 2: And another one if you're lonely or you are on 705 00:31:28,080 --> 00:31:31,320 Speaker 2: a budget, is attend community events like find out what's 706 00:31:31,360 --> 00:31:34,760 Speaker 2: local and get involved, whether it's Christmas carols or wandering 707 00:31:34,800 --> 00:31:37,520 Speaker 2: through a local market. Getting out and about can really 708 00:31:37,560 --> 00:31:40,400 Speaker 2: help relieve loneliness. And if you're on a budget, why 709 00:31:40,440 --> 00:31:42,719 Speaker 2: not back a little picnic. Yeah, why not do it 710 00:31:42,760 --> 00:31:45,120 Speaker 2: on your own and listen to the Christmas carols? Like 711 00:31:45,200 --> 00:31:49,240 Speaker 2: that's so wholesome and so beautiful and you don't need 712 00:31:49,560 --> 00:31:52,800 Speaker 2: another person's permission to enjoy your time on your own. 713 00:31:53,000 --> 00:31:55,600 Speaker 2: So I think that's probably a really good place to 714 00:31:55,680 --> 00:31:58,560 Speaker 2: leave it, Miss Jessica Ricci, because the second I said 715 00:31:58,600 --> 00:32:01,200 Speaker 2: Christmas carols, your eyes lit up, and I knew you 716 00:32:01,240 --> 00:32:03,120 Speaker 2: weren't going to be around for the rest of their. 717 00:32:03,240 --> 00:32:05,440 Speaker 4: I'm ready to go listen to all Hour of Christmas 718 00:32:05,520 --> 00:32:08,760 Speaker 4: is You on repeat? But just to summarize, we totally 719 00:32:08,880 --> 00:32:12,400 Speaker 4: understand and both can really relate to feelings of anxiety 720 00:32:12,440 --> 00:32:15,760 Speaker 4: around Christmas, and that can be very confronting because you go, oh, 721 00:32:15,800 --> 00:32:17,800 Speaker 4: I'm meant to be happy, but I'm sad. 722 00:32:18,280 --> 00:32:21,440 Speaker 2: Why is that? And that's so okay. 723 00:32:21,560 --> 00:32:23,280 Speaker 4: We just want you to know that if you're putting 724 00:32:23,280 --> 00:32:27,120 Speaker 4: pressure on yourself, it's not necessary. And if you're finding 725 00:32:27,120 --> 00:32:31,600 Speaker 4: that this time of year is exasperating existing mental health conditions. 726 00:32:31,280 --> 00:32:32,560 Speaker 2: Reach out and chat to somebody. 727 00:32:32,600 --> 00:32:36,120 Speaker 4: We'll have some resources in the show notes, because unfortunately, 728 00:32:36,280 --> 00:32:38,480 Speaker 4: mental health doesn't take a day off just because it's Christmas. 729 00:32:38,560 --> 00:32:41,160 Speaker 4: All right, guys, that is all we have time for today, 730 00:32:41,200 --> 00:32:42,360 Speaker 4: and we'll see you on Friday. 731 00:32:42,680 --> 00:32:43,200 Speaker 2: See you then. 732 00:32:49,880 --> 00:32:52,520 Speaker 5: The advice shared on She's on the Money is generally 733 00:32:52,680 --> 00:32:56,440 Speaker 5: nature and does not consider your individual circumstances. She's on 734 00:32:56,520 --> 00:32:59,959 Speaker 5: the Money exists purely for educational purposes and should not 735 00:33:00,120 --> 00:33:03,040 Speaker 5: be relied upon to make an investment or financial decision. 736 00:33:03,440 --> 00:33:05,880 Speaker 5: If you do choose to buy a financial product, read 737 00:33:05,920 --> 00:33:09,240 Speaker 5: the PDS TMD and obtain appropriate financial. 738 00:33:08,840 --> 00:33:10,640 Speaker 2: Advice tailored towards your needs. 739 00:33:10,960 --> 00:33:14,920 Speaker 5: Victoria Divine and Sheese on the Money are authorized representatives 740 00:33:14,960 --> 00:33:16,040 Speaker 5: of Money sherper. 741 00:33:15,840 --> 00:33:18,440 Speaker 2: P t y lt D A b N three two 742 00:33:18,480 --> 00:33:20,680 Speaker 2: one six four nine two seven seven 743 00:33:20,840 --> 00:33:30,800 Speaker 5: Zero eight AFSL four five one two eight nine