Speaker 1: She's on the Money.
Speaker 2: She's on the Money.
Speaker 3: My name's Satasha Bamblet. I'm a proud First Nations woman
Speaker 3: and I'm here to acknowledge country. Hello, beautiful friends, we
Speaker 3: gather on the lands of the Aboriginal people. We thank
Speaker 3: acknowledge and respect the Aboriginal people's land that we're gathering
Speaker 3: on today. Take pleasure in all the land and respect
Speaker 3: all that you see. She's on the Money podcast acknowledges culture, country,
Speaker 3: community and connections, bringing you the tools, knowledge and resources
Speaker 3: for you to thrive.
Speaker 2: Hello, and welcome to She's on the Money. The podcast
Speaker 2: is helping you have more confident money chats more often.
Speaker 2: I'm be excited and joining me today is the wonderful
Speaker 2: Jess Ricky. We're bringing back something special at the moment,
Speaker 2: and do you want to intro it?
Speaker 1: I mean you might have seen the title already, the
Speaker 1: acclaimed fan favorite being JAQ and I. I'm giggling excat
Speaker 1: off anyone actually joined it last time, and.
Speaker 2: That like the B and JQ and A is like
Speaker 2: that's something for us. It was like everyone else will
Speaker 2: be like, Okay, I don't know what that means.
Speaker 1: Oh yeah, it's the Beck and Jess Q and A.
Speaker 1: We've got as to your ques, You've got cues for
Speaker 1: at A exactly right. I'm waiting to answer them now.
Speaker 1: We may not get around to all of them. So
Speaker 1: if the question didn't make it into this episode, please
Speaker 1: do keep sending them through to us on the Shoes
Speaker 1: and the Money socials or in our dms. We love them.
Speaker 1: We can comment on this episode and we'll gather them
Speaker 1: all together. But I've got quite a fun list and
Speaker 1: it's a good mix. Today. We've got a few financy ones,
Speaker 1: a few random ones which you and I both do
Speaker 1: seem to love. Yeah, but I'll kick us off with
Speaker 1: a very fun one which is from A brook and
Speaker 1: who said, what reality TV show do you think you
Speaker 1: would do well at? Oh my goodness, I was gonna
Speaker 1: say you'd make great reality TV. I think you'd be
Speaker 1: so fun on TV.
Speaker 2: Just say it's so sweet.
Speaker 1: I think you would too.
Speaker 2: You'd be so like I think if you were and
Speaker 2: this this is not the question, but if you're in prison.
Speaker 1: You would be.
Speaker 2: I think you would accidentally be like you'd be ruling
Speaker 2: the roost, you know what you really would be.
Speaker 1: I don't I fear I would be too scared. No,
Speaker 1: I'm not. I don't know.
Speaker 2: You would accidentally be the head of that household, you know,
Speaker 2: like some.
Speaker 1: Brook Windom Energy maybe or something.
Speaker 2: Yeah, hell yeah, But no reality TV show. I think
Speaker 2: everyone would like to think that they would be good
Speaker 2: at Survivor.
Speaker 1: Why was I thinking Survivor? I would not be good
Speaker 1: at Survivor the records.
Speaker 2: I just don't think either. But I think that I
Speaker 2: would be good on like I don't know if anyone
Speaker 2: knows the Trust or the Secret Millionaire's like very netflixy,
Speaker 2: I don't know. There's just like ones where like You're
Speaker 2: it's kind of like Big Brother. I think I would
Speaker 2: do okay on Big Brother.
Speaker 1: You'd be great on Big Brother? Oh be so good
Speaker 1: to beg for Big Brother?
Speaker 2: You apply for it? Answer so many questions, Not that
Speaker 2: I've applied every year, but please let me hunt the show.
Speaker 1: Have you applied before?
Speaker 2: I have applied before.
Speaker 1: That's so far and no, never heard back.
Speaker 2: End your turned.
Speaker 1: I don't think I would be good for reality TV.
Speaker 1: I think I'm so nervous and introverted that I wouldn't
Speaker 1: be good at all. So I was really racking my brains.
Speaker 1: I feel like I may have said this before. But
Speaker 1: if I had to pick one, I would pick like
Speaker 1: a Dancing with the Stars's so fun to learn a
Speaker 1: dance every week and wear a sparkly costume, or maybe
Speaker 1: like a master chef. But I can't cook. I can
Speaker 1: only bake.
Speaker 2: Yeah, British Bake Off. Oh my god, I'd be good.
Speaker 1: On the Great British Breakup.
Speaker 2: Oh my god. Nothing screams just for me like Great
Speaker 2: British Fake Off. That would be so cute.
Speaker 1: And if I could do a fun one where they
Speaker 1: you have sometimes they get celebrities, like that would be
Speaker 1: a fun episode, Like not that I'm a celebrity, but
Speaker 1: it would be a fun episode to be around actual celebrities.
Speaker 2: Oh my god, they'd be so cute.
Speaker 1: So if anyone worked in TV production, land, call us
Speaker 1: call Us.
Speaker 2: The next one comes from Casey, who says, what's your
Speaker 2: go to comfort homemade meal?
Speaker 1: That's a good one, so homemade. If I'm sick, I'm
Speaker 1: making two boiled eggs with soldiers and an orange juice
Speaker 1: because that's what my mom used to make me when
Speaker 1: I was sick, Like a dippy egg. Yeah at the
Speaker 1: top of delicious, but as an adult, my comfort meal
Speaker 1: when I'm sick. It's giving home. Maybe it's not. There's
Speaker 1: a local restaurant. I don't actually know what cuisine it
Speaker 1: is specifically, but they do a crispy fried noodle and
Speaker 1: then it comes with like almost a broth with veg
Speaker 1: I get it vegetarian. Yeah, So it's like a you know,
Speaker 1: broccoli and all these things that's really yummy. And so
Speaker 1: the veggies are all steamed and then in this delicious
Speaker 1: like saucy mixture and then you pour that over the
Speaker 1: crispy noodles and the noodles go soft, and it's like
Speaker 1: just so wholesome, comforting, like feels good. It's got lots
Speaker 1: of veggies in it, Like I just feel good after
Speaker 1: I've eaten it. I think to myself all the time
Speaker 1: because sadly, a lot of businesses are closing where I live,
Speaker 1: like a lot of local restaurants and stuff. And I
Speaker 1: was like, if this restaurant ever goes out of business,
Speaker 1: I am going to be absolutely devastated. Yeah, because it's
Speaker 1: like they just call it a crispy combination noodle. Oh
Speaker 1: so it's not even like I can google it and
Speaker 1: find what it is. I love it.
Speaker 2: Oh my god.
Speaker 1: Yeah, they can never close because I need it. That's
Speaker 1: my sick food.
Speaker 2: Can you send me the name of that place because
Speaker 2: it sounds delicious? Absolutely, my one is. And I used
Speaker 2: to be made fun of for this because it sounds disgusting,
Speaker 2: but I promise it is. It's actually so good. I
Speaker 2: get like a big you know, the big cans of
Speaker 2: red salmon or pink salmon, red salmon if it's in
Speaker 2: my budget, and I like open it, and then I
Speaker 2: make a miggring and I keep the hot water in there.
Speaker 2: It's not like keeps the hot water, but it's like soupy.
Speaker 2: And then I dump the whole with all the juice,
Speaker 2: the whole can of salmon into the migring and it
Speaker 2: is so I promise you so good. It is so delicious.
Speaker 2: And then maybe a fried egg on top. And I
Speaker 2: know that all the combination of the salmon in a
Speaker 2: can and the fried egg and the migring, it sounds gross,
Speaker 2: but I promise you please try. It's delicious. It's really
Speaker 2: really good. That's probably my go to home cooked meal.
Speaker 1: I love that we both love a noodle. That's kind
Speaker 1: of fun. True, all right, one that's kind of let's
Speaker 1: say financi. It's not, but she's in the money. Related
Speaker 1: is from Macy who said what are your job titles
Speaker 1: or job roles? And she's on the money. I love
Speaker 1: the mixing personality between you guys, which is so nice.
Speaker 1: Thank you, thank you Macy. I could do some because
Speaker 1: I think a lot of people don't know this true.
Speaker 1: You don't actually work for shoes on the mone No,
Speaker 1: I don't.
Speaker 2: Isn't that wild? And also it's scary because I'm like, oh,
Speaker 2: I guess you guys could be like, oh, don't come
Speaker 2: in anymore, and I would never would never, you would never,
Speaker 2: I would never.
Speaker 1: Thank you so much, very important, very valuable.
Speaker 2: But it is scary when you're like, I guess, like freelancing,
Speaker 2: maybe it's what I'm I guess that's what I'm doing here.
Speaker 2: I don't work for you guys, but I am usually
Speaker 2: a video producer, and I'd say I'm going on like
Speaker 2: three four months now of really not being able to
Speaker 2: find a job, but just freelancing as a video producer.
Speaker 2: So if anyone knows of any video editing, video producing,
Speaker 2: social media whatever roles, even anything, yeah, that's kind of
Speaker 2: what I do. I was working with iHeart and gold FM.
Speaker 1: That's how you came into our stratosphere.
Speaker 2: That's how we all met. And then yeah, just kind
Speaker 2: of life goes on and things move around, we all remain.
Speaker 2: We come here and meat and I think it's really beautiful.
Speaker 2: And yourself.
Speaker 1: My official title, I think is Content and Partnerships Manager. Yeah, okay,
Speaker 1: manager Partnerships, which is not that exciting, but I do it.
Speaker 2: So the next one from Rihanna, I really like this one.
Speaker 2: What is your favorite weird flavor combo? Example, mango and
Speaker 2: soy sauce, avo and veggimite.
Speaker 1: Mango and soy sauce is a crazy one. I don't
Speaker 1: think I've ever met anyone. I also have a crazy one. Okay,
Speaker 1: this comes from my childhood. I would take a glass
Speaker 1: of coke or now is enjoy. It would be a
Speaker 1: glass of Persy Max some freshly pop popcorn, yes, popcorn
Speaker 1: in the coke, just swizzling around this spoon, and then
Speaker 1: you pull it out with the spoon and eat it
Speaker 1: like cereal. And the crazy thing is, okay, I know
Speaker 1: at least one other person in the world does this
Speaker 1: because I learned this because one of my friends did
Speaker 1: it as a kid.
Speaker 2: Oh, so they're out there spreading the word.
Speaker 1: Yeah. I mean, I'm going to grown adult, so it's
Speaker 1: not something I do often, but every now and again
Speaker 1: I'll do it and it is really yummy. It gets soft, Yeah,
Speaker 1: it gets soggy.
Speaker 2: You keep it in the coke.
Speaker 1: Just quit. It's like a dunk like I throw it
Speaker 1: in swizzle.
Speaker 2: Yeah, understood.
Speaker 1: Cereal crazy Cereal texture basically wow. Okay.
Speaker 2: Do you feel like you like it because you grew
Speaker 2: up with it?
Speaker 1: I think so. I think it's just like a like
Speaker 1: it's salty. Yeah, I don't know. As I'm explaining it,
Speaker 1: I fully acknowledge that it sounds absurd. That's the weirdest
Speaker 1: one I've got.
Speaker 2: I learned from a friend. But she makes a meso oat.
Speaker 2: I would personally think that oats are like, you know,
Speaker 2: you brown sugars, your milks, You're like, I know, I'm
Speaker 2: thinking like a swim eat treat wreckfast. Yeah, But she
Speaker 2: puts miso in her oats and has like boiled eggs
Speaker 2: in it, and I think it's it's delicious. It's really
Speaker 2: delicious and maybe like a some sort of green. Maybe
Speaker 2: it's like a spinach. But like, break me if I'm wrong,
Speaker 2: But spinach has changed in my lifetime. It used to
Speaker 2: be like the big chunky stalks, but now it's like
Speaker 2: spinach is little lee, little Lee's No, it used to
Speaker 2: be big. Sure, I'm so sure, even like Popeye. Look
Speaker 2: at Popeye, he's eaten spinach like that big green What
Speaker 2: is that? How do I find it? And what's it called?
Speaker 2: But anyway, definitely was not that before. And so I'm
Speaker 2: thinking that big hearty green leafy spinach and miso oats
Speaker 2: and a jammy boiled egg? Crazy?
Speaker 1: Do you refer to a runny boiled egg as jammie?
Speaker 3: Yes?
Speaker 2: What's it called runny?
Speaker 1: Yeah? Is that a queenslandthe No?
Speaker 2: Maybe it is because my friend calls it Jamie and
Speaker 2: she's Queensland. So there you go.
Speaker 1: That's so interesting.
Speaker 2: What do you call it? Runny?
Speaker 4: Yeah?
Speaker 1: A runny eggs? Oh my god? To people call it
Speaker 1: a dippy egg. Dippy egg that's what Victoria calls it. Yeah,
Speaker 1: dippy eg.
Speaker 2: Oh my god's cute, very cute. Okay, out to you?
Speaker 2: What do I call it? Well, I've really lost myself.
Speaker 2: I think I called it a running egg. Usually, God,
Speaker 2: I've been learning a.
Speaker 1: Lot here today. Next time that I've got is from
Speaker 1: Oh I'm so sorry. I'm gonna butcher your name, Nil Yak.
Speaker 1: Maybe do you think that sounds right?
Speaker 2: That sounds right, beautiful, perfect.
Speaker 1: Who wants to know? What have we learned from each
Speaker 1: other since we started working together?
Speaker 2: Oh, that's beautiful.
Speaker 1: Okay, it's a really cute question.
Speaker 2: That is a really cute question. And obviously I've learned
Speaker 2: from yourself and Victoria that I think that was just
Speaker 2: so scared of money before I started, And I think
Speaker 2: I was also scared of like maybe I would feel
Speaker 2: as though my money story or my lack of money
Speaker 2: would make me appear a certain way socially and societally.
Speaker 2: But I've learned that it's not true that everyone has
Speaker 2: this idea of money. It's like people who are super rich,
Speaker 2: can you know, kind of see money in this way
Speaker 2: that's like socially, we'll still all get along, basically, is
Speaker 2: what I'm trying to say. And I think that's really
Speaker 2: beautiful because us we came here together on this podcast.
Speaker 2: It's like if we met out in the world, who knows.
Speaker 2: But then we are like set sitting here, we're talking
Speaker 2: to each other, and we're like, oh, we're all just
Speaker 2: the same. And I think it's really beautiful. But obviously
Speaker 2: you've taught me so much about money as well, and like,
Speaker 2: but how the way I'm viewing it is maybe not
Speaker 2: very sustainable and not gonna like serve me in the future.
Speaker 2: So god, so many things I've learned from you, guys.
Speaker 1: I feel like I've learned so much from you as well.
Speaker 1: I think the biggest one is you have this wonderful
Speaker 1: way of looking at things with such an open mind
Speaker 1: and heart, do you know what I mean? Like you,
Speaker 1: I feel like we both have this experience where being
Speaker 1: on a podcast, I find it very anxiety inducing sometimes
Speaker 1: because there's this and it's not from our community, but
Speaker 1: there's this modern thing. I think I've seen people refer
Speaker 1: to it as what about meism? Yeah, bean soup thing
Speaker 1: is what they call it. On TikTok Whees, someone will
Speaker 1: post a recipe for bean soup and someone will say, well,
Speaker 1: I don't like beans, so what can I use instead?
Speaker 1: And it's the idea that, like everything you're sharing must
Speaker 1: appeal to every single person who could possibly ever listen
Speaker 1: to it here at see it whatever totally, which is
Speaker 1: extremely hard to do. But I think what you are
Speaker 1: so good at is you are just naturally so inclusive,
Speaker 1: do you mean, Like the easiest example I can think
Speaker 1: of to give is like when we're talking about maybe
Speaker 1: somebody's money deliver and they write in and I will
Speaker 1: always look at things through my own lens of like, well,
Speaker 1: I have a boyfriend and I live like this, and
Speaker 1: this is jadata. Whereas you're so inclusive with your language,
Speaker 1: you're so you look at things from so many perspectives
Speaker 1: as well, like you so easily are very open minded,
Speaker 1: and you go, well, you could be seeing this, you
Speaker 1: could be experiencing this, and then you you tack that
Speaker 1: onto the answers that you give. Whereas I feel like
Speaker 1: I'm getting better, but it just doesn't come as naturally
Speaker 1: to me. I feel like I'm always too selfish in
Speaker 1: that way. And whereas you're so good at putting yourself
Speaker 1: in somebody else's shoes and like their experience and their
Speaker 1: thoughts and stuff.
Speaker 2: That is so sweet. Thank you so much for saying that.
Speaker 1: It's true.
Speaker 2: God, you're really amazing at that too. I think that
Speaker 2: like you're amazing at it, and you're a lot more
Speaker 2: succinct or like the way you word things is because
Speaker 2: I fear that I just ramble so much when I'm like, oh,
Speaker 2: I haven't thought about this, and so I better, I
Speaker 2: have better enter this real and I'm like, oh my
Speaker 2: god's a quick way to do that. But you're so right,
Speaker 2: and I think that I get really paranoid about like
Speaker 2: if I was to say something that is probably objectively true,
Speaker 2: like yeah, I think I've said this for like, eating
Speaker 2: your own poo is kind of gross, but there might
Speaker 2: be someone out there listening that's like I love eating
Speaker 2: my own poo. That makes me feel really sad. And
Speaker 2: then I'm like, I would be devastating to know that
Speaker 2: I've made someone sad because I've said some in this
Speaker 2: way that's like objective and so like black and white,
Speaker 2: and I don't want to ever exclude anyone. Yeah, thank you,
Speaker 2: that's really sweet. Oh my god, my one was boring
Speaker 2: compared to yours, and so sorry. This one is from Liira,
Speaker 2: who says why am I scared of changing my money
Speaker 2: story when I know it could be so much healthier.
Speaker 1: I'm sure there's probably psychology behind it, like there's safety
Speaker 1: or comfort in what you know. Yeah, I think making
Speaker 1: change is hard, especially I think money is such a
Speaker 1: deeply personal thing and exactly as you were saying before.
Speaker 1: A lot of us feel anxiety or shame or stigma
Speaker 1: or all of these things around money because we are
Speaker 1: all shown a traditional pathway to success. I think there's
Speaker 1: like a very clear and it has changed a little
Speaker 1: bit with time, but you know, go back to our
Speaker 1: parents generation, it was okay, well, you go to university
Speaker 1: and you get a good job, and you get married
Speaker 1: and you have two kids, and you take a holiday
Speaker 1: once a year and did it. And it was like
Speaker 1: just a very clear linear path. And while that path
Speaker 1: has opened up more, I think there are still very
Speaker 1: traditional markers of success that people uphold as the gold
Speaker 1: standard doing, like a good job or a good salary.
Speaker 1: You can't see me, but I'm using talking marks. And
Speaker 1: so I think that wanting to change your money story
Speaker 1: is scary because you have to admit that you want
Speaker 1: something more. You have to put yourself out there. Which
Speaker 1: there's also this for me myself personally, there's this fear
Speaker 1: of failure that I feel a lot of the time,
Speaker 1: I feel like I'm behind, and so making a change
Speaker 1: requires you to say I want more. And firstly, sometimes
Speaker 1: people shame you for that, Like there's the tall poppy
Speaker 1: syndrome is very much a real thing, and people say, well,
Speaker 1: you should be happy with what you have for you
Speaker 1: to do that, So there's you're fighting against that, but
Speaker 1: also in saying you want more, you're putting yourself out there.
Speaker 1: You run the risk of failing. Most people do fail,
Speaker 1: or most people do fall off the horse. Most people
Speaker 1: we will build up their savings and then have to
Speaker 1: spend them or build up their investments and then get
Speaker 1: nervous and pull it out. There are so many opportunities
Speaker 1: to quote unquote fail that it's scary to put yourself
Speaker 1: in that situation because we all are trying to uphold
Speaker 1: this impossible standard that we see online on social media
Speaker 1: or in the normal news and stuff, and it feels
Speaker 1: like an overbearing weight sometimes. And I think all of
Speaker 1: those things I'm straying really far from the original question,
Speaker 1: but all of those things overlay over the top, so
Speaker 1: that when you do try to make a change, be
Speaker 1: it financial, be it something different, it can feel scary
Speaker 1: and overwhelming because you go, well, I don't want to fail,
Speaker 1: and I don't want people to laugh at me, and
Speaker 1: oh my god, well what if I can't do it?
Speaker 1: And all of this doubt from all of these pressure
Speaker 1: creeps in. But I think if you break it down,
Speaker 1: you know you want to change your money story incredible.
Speaker 1: Everybody deserves better, everybody deserves more, Like we all are
Speaker 1: entitled to live the best, most wonderful, most fulfilling life
Speaker 1: that we can. Yeah, and I think wanting more, wanting
Speaker 1: change is really positive. Break it down into small steps
Speaker 1: so that it feels less overwhelming. That would be what
Speaker 1: I would recommend.
Speaker 2: I love that, I completely agree. It's also sometimes a
Speaker 2: bit scary to be like how far does this go?
Speaker 2: When you're like, I haven't even looked at my finances.
Speaker 2: I don't know what the trajectory of my life looks
Speaker 2: like financially. And then if you start kind of like
Speaker 2: brushing off the dust of your financial story and your
Speaker 2: finances right now, then you're like, how much is there
Speaker 2: to uncover? How much is there to learn? How bad
Speaker 2: of a position am I in that I maybe I
Speaker 2: don't know yet, And it's just like a scary thing
Speaker 2: to explore, but like, yeah, just exactly like one step
Speaker 2: at a time, small little goals. And if you're not
Speaker 2: interested in it, that's the other things. Sometimes you're not
Speaker 2: like obsessed with something, so you just don't care. It's
Speaker 2: like mental effort to like think about it. But if
Speaker 2: you're not obsessed with it, that's okay. Just do the
Speaker 2: little things you need to do to make sure you're
Speaker 2: not gonna, I don't know, be in a really bad
Speaker 2: financial position later. It doesn't have to be a whole world,
Speaker 2: but yeah, just tackle things bit by bit.
Speaker 1: Bit by bit, step by step. That's it, beautiful. Well,
Speaker 1: we're gonna take a really quick break, but when we
Speaker 1: come back, we're gonna be answering more of your burning
Speaker 1: questions that don't go anywhere.
Speaker 2: Welcome back, everyone. So this week's episode, if you're just
Speaker 2: joining us, is a special edition of Q and A
Speaker 2: with B and J. So we've been answering some of
Speaker 2: your questions, some left of center, some a little bit
Speaker 2: more financy. I guess we'll just jump straight back into it.
Speaker 2: So the next one comes from Tina, who says, do
Speaker 2: you have any advice for someone wanting to make money
Speaker 2: online and move away from a nine to five?
Speaker 1: My big one is don't fall into the trap. There
Speaker 1: are so many people online who are selling you courses
Speaker 1: who it's so easy to quit your nine to five
Speaker 1: and da da da, I can do this, that and
Speaker 1: the other. By my course, I'm not saying it's always
Speaker 1: scam because there are some great online courses out there.
Speaker 1: We sell some online courses which are fantastic. But I
Speaker 1: think a lot of the people who you see online
Speaker 1: jumping up and down saying, oh my god, I make
Speaker 1: fifty thousand dollars a month from selling things online. I'm
Speaker 1: not disclosing either that that is correct because there's no
Speaker 1: regulation around that, or I'm not disclosing that the bulk
Speaker 1: of their money is coming from selling people these courses. Yeah, right,
Speaker 1: And so I think it's very possible in this day
Speaker 1: and age. You mean, like this podcast. I think about
Speaker 1: the job that is employing us right now do not
Speaker 1: exist howe many years ago. This is technically an online job,
Speaker 1: right totally. So it's like, there are lots of things
Speaker 1: that you can do and lots of revenue streams that
Speaker 1: you can build. But I would just encourage everybody to
Speaker 1: look at things with a healthy dose of skepticism because
Speaker 1: there are some dodgy things out there. With that being said,
Speaker 1: the great thing about making money online all of the
Speaker 1: time is you don't need a lot of capital to
Speaker 1: start it up. Whether you are becoming a social media
Speaker 1: creator or a video editor or a podcaster. A lot
Speaker 1: of these things you can start with the resources you have.
Speaker 1: You can start with your phone and your laptop and
Speaker 1: that's all you need. And then as you build some
Speaker 1: momentum or build some clientele or whatever that looks like,
Speaker 1: you can then start to invest back into the things
Speaker 1: that you're using. But I think, like when you're dabbling,
Speaker 1: I would say just don't necessarily go hell to leather either,
Speaker 1: Like don't go, oh my god, I'm going to start
Speaker 1: a podcast, so I'm going to buy the three thousand
Speaker 1: dollar microphones and the ten thousand dollar camera and all
Speaker 1: of these things start small.
Speaker 3: For sure.
Speaker 1: We're a ween dabble as well. Like there's lots that
Speaker 1: you know, you can sell things on Etsy. You can.
Speaker 1: There's this one girl I remember I followed her for years.
Speaker 1: I think her name is Type Hailey, and I think
Speaker 1: she still does it. But back in the day, she
Speaker 1: got started because she would make video graphics and intros
Speaker 1: for people's YouTube videos, and so a lot of the
Speaker 1: big creators that I followed at the time would use her,
Speaker 1: and then she sells. Now I believe she sells just
Speaker 1: like everyday graphics that anybody can jump on our website
Speaker 1: and purchase or you can do custom ones. That's like
Speaker 1: that girl saw a gap in the market for her
Speaker 1: skill set and it wouldn't have taken a lot of capital.
Speaker 1: Like she probably already had the laptop or the iPad
Speaker 1: or whatever she uses to animate and she just went, oh, like,
Speaker 1: this is a good thing, and she's worked away at it,
Speaker 1: worked with some big creators. Yeah, got her namy out
Speaker 1: in front of the masses. So I think there's lots
Speaker 1: you can do. But find something you're passionate about as well,
Speaker 1: because she was I believe maybe a graphic designer or
Speaker 1: something like that, and then made that work for her
Speaker 1: in the digital world, which is incredible. Yeah, speak about
Speaker 1: what you enjoy it as well, exactly.
Speaker 2: And in the interim, just like, honestly, I know it's
Speaker 2: they're quite rare to find, but like something that you're
Speaker 2: already doing. But jump on LinkedIn and keep refreshing that
Speaker 2: remote work section and just like try and find something
Speaker 2: that's remote in the interim if you want to, because
Speaker 2: there's I'm shocked by how many jobs that are out
Speaker 2: there that are able to be remote, So I'm like,
Speaker 2: just do that for a song as.
Speaker 1: You can, and remember as well. I think there's this
Speaker 1: misconception that when you leave you're nine to five, you're
Speaker 1: living like this cruizy, beautif good life. I think most
Speaker 1: people who freelance or work for themselves will tell you
Speaker 1: that it's the opposite. You know, there are some people
Speaker 1: who get to a point where they can retire early
Speaker 1: off of the business that they've built, and that's incredible,
Speaker 1: and then maybe they do live that balanced lifestyle, but
Speaker 1: a lot of the time when you're doing that kind
Speaker 1: of work invoices come late is such a big one.
Speaker 1: So like, prepare yourself mentally and financially for the fact
Speaker 1: that your income is not going to be regular, especially
Speaker 1: if you're doing something like content creation where you're relying
Speaker 1: on you know, brands or AdSense or whatever that looks
Speaker 1: like ye. And also just you're working for yourself, so
Speaker 1: you don't have boundaries that you have in a regular job,
Speaker 1: Like it's very easy for it to bleed into other
Speaker 1: areas of your life. And if especially if you're like
Speaker 1: me and you do something on the side of a
Speaker 1: full time job, it's a lot to take on. So
Speaker 1: also just prepare yourself for that, because I think there's
Speaker 1: we're sold this dream of everybody's quitting their nine to
Speaker 1: five to become a content creator or build a business
Speaker 1: or do whatever. And you can do it and can
Speaker 1: be amazing and it can be really profitable. Yeah, but
Speaker 1: it's also not this easy pipeline that people make it
Speaker 1: out to be.
Speaker 2: From Charlotte, this one's for you, Jess. How are you
Speaker 2: managing to keep costs down with the build? Any tips?
Speaker 1: Well, if you've watched my YouTube video where I break
Speaker 1: down all the expenses that I've paid so far, I'm
Speaker 1: not necessarily doing a very good job giving the expenses down.
Speaker 1: I spend a lot of money at my color appointment
Speaker 1: and my electrical appointment. But my big plan is that
Speaker 1: I have kind of a roadmap of things that I
Speaker 1: want to do once the build is completed. So I'm
Speaker 1: trying to keep costs down initially by spacing things out
Speaker 1: where I can, and I'm also looking at what things
Speaker 1: I can do myself versus paying someone to them. So
Speaker 1: I know that I'm hoping to install my own sheer
Speaker 1: curtains and stuff because I've seen people do it online.
Speaker 1: It looks pretty easy to install your own tracks and
Speaker 1: hang it yourself, and planning on putting in my own laundry.
Speaker 1: We covered a few of these in an episode that
Speaker 1: dropped recently where we spoke kind of about my house
Speaker 1: build update. I'm looking at what things I can do myself.
Speaker 1: I would consider myself pretty DIY savvy, so any DIY
Speaker 1: options that are available to me, I am taking those.
Speaker 1: Also for furniture and stuff like that. I think I've
Speaker 1: mentioned like I haven't bought new furniture since I moved
Speaker 1: out of home, Like almost everything I own his secondhand
Speaker 1: because I was moving it from house to house. And
Speaker 1: so I'm really looking for sales or purchasing things that
Speaker 1: I want from warehouse sales or outlets or anything like
Speaker 1: that to try and keep my costs down as well.
Speaker 1: Like I've been able to snag a few things that
Speaker 1: are on my wish list for really good prices by
Speaker 1: shopping in this way. But it is just being savvy
Speaker 1: and also just knowing I can't, like I'm not going
Speaker 1: to be able to buy everything that I want at once,
Speaker 1: Like it's just simply not possible, even things like appliances,
Speaker 1: Like I'm just going to have to move in my
Speaker 1: fridge that is literally as old as I am into
Speaker 1: the new house, and it's not going to fit, and
Speaker 1: it's going to be ugly, and it is what it is,
Speaker 1: and I'll just have to save and work hard to
Speaker 1: eventually be able to upgrade those things when I'm in
Speaker 1: the pres.
Speaker 2: So yeah, hell yeah, all right.
Speaker 1: Next question I have is from Nundiny, who said, if
Speaker 1: you guys could host any podcast for one week, which
Speaker 1: would you pick? Which is a fun question?
Speaker 2: I like this, I like this, I like this. Well,
Speaker 2: some of my favorites are like Betrayal or obviously other
Speaker 2: than She's on the Money Betrayal pod, everyone has an X.
Speaker 2: But the one that I think would be like really
Speaker 2: fun science versus one, Oh my god, you would love it.
Speaker 2: I think they just kind of like take any old subject.
Speaker 2: Let's say, you know, skincare or meditation, and it's like
Speaker 2: the main host, Wendy's looking in, we'll go and ask
Speaker 2: experts in that field, unpack experiments, and you know, just
Speaker 2: kind of like get down to the like science of
Speaker 2: it all in a way that is really palatable. But
Speaker 2: it just like sounds really fun. Sounds like the team
Speaker 2: are really fun. So that is probably a podcast that
Speaker 2: I would love to host just for one week and
Speaker 2: then come straight back.
Speaker 1: I don't listen to a lot of podcasts, so I
Speaker 1: found this question hard. I would love to do an
Speaker 1: interview format podcast because I think working here, that's one
Speaker 1: thing I've learned. Is any chance that I have had
Speaker 1: to sit down with someone like I sat down last
Speaker 1: year with Emma Edwards, like when Victoria was on maternity leave,
Speaker 1: the first time you know you and I had a
Speaker 1: few guest hosts for Friday Drinks. I've always really really
Speaker 1: enjoyed speaking to other people and getting to like pull
Speaker 1: apart their expertise, like I just find it so interesting.
Speaker 1: The only interview podcast that I can think of is
Speaker 1: Diary of a CEO, which I have literally only ever
Speaker 1: listened to one of those episodes. I don't know why
Speaker 1: that's the first one I got, but he's had some
Speaker 1: really good guests. Yes, so any guest podcast, because I
Speaker 1: love learning things, maybe even at science when you taught you,
Speaker 1: it would be good for me, Like I love learning things,
Speaker 1: and I love asking people questions and getting to understand
Speaker 1: their thought process or their knowledge a little bit better.
Speaker 1: So any podcast where I would have the opportunity to
Speaker 1: do that. I feel like I would really enjoy The
Speaker 1: sext one comes from.
Speaker 2: Who says, how do you price items on deep Pop
Speaker 2: in brackets item plus postage? I lost money after deepop
Speaker 2: took their fee.
Speaker 1: Oh have you ever sold on deepop before?
Speaker 2: No, I haven't sold on Deepop. I've bored on deepop,
Speaker 2: but I don't really know how it all works, So
Speaker 2: probably one for you.
Speaker 1: Yeah. I My understanding is that so detop chi is
Speaker 1: a ten percent commission I believe on everything, and I
Speaker 1: believe that also comes off the top of your postage fee,
Speaker 1: because I think what happens, at least the way I
Speaker 1: see it roll into my PayPal is deepop pays me
Speaker 1: a blanket fee of like X amount, and then PayPal
Speaker 1: pays a flat fee back. And from when I've looked
Speaker 1: at it, that flat ten percent comes off everything, which
Speaker 1: includes the postage. It's really frustrating. So you do need
Speaker 1: to look at either building a bit more into your
Speaker 1: postage fee or into your item fee to cover that
Speaker 1: ten percent that will come out.
Speaker 2: Ten percent is seems exorbitant.
Speaker 1: No, yeah, it feels like deep hop in the UK.
Speaker 1: I'm pretty sure it's only like two or three percent.
Speaker 1: I've seen a lot of conversation recently about how like
Speaker 1: Deep Hop fees here are much higher than other places,
Speaker 1: which fun fact for everybody. eBay are offering fee free
Speaker 1: sales for a period of time, so that might be
Speaker 1: worth looking into. That's something I'm looking into. But in
Speaker 1: terms of pricing your product, I personally think if you're
Speaker 1: going to sell something secondhand anywhere, you need to be
Speaker 1: selling it for cheaper than what someone could get it
Speaker 1: from for on the website. And I think most websites
Speaker 1: offer a minimum of thirty percent discount, you mean with
Speaker 1: a code or whatever these days most places true, so
Speaker 1: I think you can be just counting an item by
Speaker 1: forty percent or more. My general rule of thumb is
Speaker 1: a minimum of half price, okay, depending if the item
Speaker 1: is new with tags or how warn it is, is
Speaker 1: it like whatever, But I would be pricing it for
Speaker 1: me personally, generally a minimum of half of the retail price,
Speaker 1: sometimes more if it's worn or if it's an older style.
Speaker 1: Take all those things into consideration. The other thing I
Speaker 1: would do is sense check what are other people charging
Speaker 1: for the same items, So if it's a blue glassons
Speaker 1: jumper or a dish white dress or whatever that looks like,
Speaker 1: searching it up on the platform and just seeing because
Speaker 1: there's a very good chance that other people are selling
Speaker 1: the same thing or something very similar, and just sense
Speaker 1: checking your pricing against those as well, because if it
Speaker 1: comes down to two similar items, realistically, any person myself included,
Speaker 1: is going to pick the cheaper one. Yeah, if your
Speaker 1: discount still sets you significantly higher than the average of
Speaker 1: what everybody else is charging, you're probably not gonna sell it.
Speaker 2: Yeah, Okay, it's a really good point.
Speaker 1: Question I've got now is from Karna who said, I've
Speaker 1: seen your instant stories, Beck, what are you building?
Speaker 2: Ah? To be honest, I'm not building anything. But my
Speaker 2: best friend who owns a queper in North Fitzroy, Fitzroy
Speaker 2: North Bernie's upstairs is where she lives, which is very funny.
Speaker 2: I think if you're like because I'll often go over
Speaker 2: to just like hang out and the bar is open.
Speaker 2: I'm laying upstairs, I gotta go downstairs to go to
Speaker 2: the toilet. It just feels like I'm like at a
Speaker 2: house party that I've left to go to bed, and
Speaker 2: then I come downstairs. I'm like, please, no one talk
Speaker 2: to me. I just so it's a very funny vibe.
Speaker 2: So she lives upstairs and there's one big room and
Speaker 2: two like kind of medium ish small rooms, and so
Speaker 2: one of those rooms she just wants to turn that
Speaker 2: into like I don't know, maybe like a gallery space
Speaker 2: for people to show things, yeah, or like somewhere where
Speaker 2: people can do like life drawings. I mean, she's not
Speaker 2: just super sure what to do with the space yet,
Speaker 2: but right now we're just like, yeah, kind of tiding
Speaker 2: it up because it is it's in a very space,
Speaker 2: I guess, so like I wanted to put a pool
Speaker 2: table in some for people to like have a little
Speaker 2: lie down, but we'll see. So right now we're just
Speaker 2: like tiding it up. So unfortunately, I personally not building anything.
Speaker 2: I'm just painting some walls, which is a lot of fun.
Speaker 1: Coming covered in paint today.
Speaker 2: Yes, exactly. I'm really trying to milk it. I'm really
Speaker 2: trying to milk it. I'm making sure I don't wash anything.
Speaker 2: I just love the look of having like paint splatters
Speaker 2: or it's artistic. It's like, oh, this person's worked hard
Speaker 2: a day in their life. I'm gonna make sure everyone
Speaker 2: knows that as well, but yes, thank you for following along, Trina,
Speaker 2: and please come in and visit.
Speaker 1: That's so cute. Next time I've got is from miss Sharish,
Speaker 1: who said, what are y'all's mayers Briggs personality types? Just fun?
Speaker 2: Have you done the test? I haven't done the test. No,
Speaker 2: I did a similar one. I don't remember anything though, perfect,
Speaker 2: but I know that, Okay, this is probably different test.
Speaker 2: But the lowest on my list of things like qualities
Speaker 2: that I have is impulse control.
Speaker 1: Impulse control.
Speaker 2: Yeah, my lowest quality, my least quality, you guys get
Speaker 2: it is impulse control, which really tracks, tracked, which really felt,
Speaker 2: I really felt seen. I can't remember what my highest was.
Speaker 2: I think it was like compassion or something like that.
Speaker 1: I'm so curious to know what test this was now,
Speaker 1: because I didn't think I've heard of that one.
Speaker 2: I can't remember what it was, but I hope that
Speaker 2: answers that a little bit for me. But do you
Speaker 2: have your.
Speaker 1: I do know my mayers Briggs. I am an I
Speaker 1: n s J. I'm pretty sure which is introverted. I
Speaker 1: don't remember what the ND stands for feeling judging, so
Speaker 1: I think I nfja's from memory it tracked with what
Speaker 1: I know about my staffs okay, which I'm not super
Speaker 1: into star signs, but it was like compassionate, empathetic knowledge seeking.
Speaker 1: I'm pretty sure I just heard introvert and I was like, well,
Speaker 1: she's read me to feel So you know, I NFJ
Speaker 1: this site. I'll send you the site because there's a
Speaker 1: free one you can do.
Speaker 2: Okay.
Speaker 1: It's fun because it tells you celebrities that fall into
Speaker 1: the same personality type. And I don't know, I know
Speaker 1: that these things are not scientific or deeply rooted in anything,
Speaker 1: but they're just to be fun. It's I love when
Speaker 1: something like even on the podcast a few weeks ago,
Speaker 1: where you were like you look like someone who loves
Speaker 1: the potato chip. Like, I just love anything that puts
Speaker 1: me in a box.
Speaker 2: You know, we just want to beat a little bar
Speaker 2: a box that's so cute, so funny. Oh my god. Okay,
Speaker 2: I'll give you the final question, which is like, oh,
Speaker 2: so sad, I really love these I We've.
Speaker 1: Brushed through it. We should have taken longer.
Speaker 2: God, I know, I wish let's do another one soon.
Speaker 1: Let us know if you want to B and JQ
Speaker 1: and know to make a comeback please.
Speaker 2: Okay. For our final question, someone asks what is your
Speaker 2: most uplifting thought slash saying that makes you feel good?
Speaker 1: Oh, that's a great question.
Speaker 2: Yeah, that is a great question. So beautiful and what
Speaker 2: a beautiful when it ended.
Speaker 1: I do love a quote. I'm one of those bitches
Speaker 1: like I love a print on a water like, there's
Speaker 1: so many that I like. One that really sticks with
Speaker 1: me that brings me joy, which I think is what
Speaker 1: this person was saying. Was from Cinderella, from the update,
Speaker 1: but from the live action, which took me don't like
Speaker 1: a live action, but I did really enjoy Cinderella. And
Speaker 1: have courage and be kind, yes, and I just like,
Speaker 1: I think those are two things that are just so
Speaker 1: important and it's it just makes me happy. Have courage
Speaker 1: and be kind, like be brave, do the thing, but
Speaker 1: also be gentle as well with people. I think the
Speaker 1: other one that I can think of, which isn't a phrase,
Speaker 1: so I don't know if it counts a word, it's uhuru,
Speaker 1: which means I think freedom in Swahili, and that just
Speaker 1: has a lot of meaning to me because the first
Speaker 1: time I ever went overseas. I've told this story before,
Speaker 1: so from repeating myself. I went to Tanzania, which was
Speaker 1: like the most eye opening, life changing, wonderful experience I've
Speaker 1: ever had. But while we were there, we climbed Mount
Speaker 1: Kilmajaro and that for me was a personally very testing experience.
Speaker 1: But the peak is called Uhua Peak, and so I
Speaker 1: had this awful expirit. I got aultshoutic on like day
Speaker 1: two four days up, two days down. I was sick
Speaker 1: for three days, didn't he couldn't keep down any liquid,
Speaker 1: was not sleeping. It was horrific. And so you hike.
Speaker 1: We hiked through the night in the snow. God every
Speaker 1: few meters I was falling, boy knees, puking in the ground,
Speaker 1: kind of wanting to just say there. And someone's like, well,
Speaker 1: you gotta keep moving or you're gonna die because it's snowing.
Speaker 1: So we did this whole thing right, and we got
Speaker 1: to a point which when you reach there, you have
Speaker 1: technically summited the mountain. And so the guy that was
Speaker 1: taken to like, okay, everybody, good job, take your photo whatever.
Speaker 1: Anyone who wants to continue to the peak can do so.
Speaker 1: Come this way. Everyone who wants to start walking back
Speaker 1: down to the right, and I was like, to the
Speaker 1: right I go. And someone on my trip was said
Speaker 1: to me, did you really just go through all of
Speaker 1: that to not go to the top?
Speaker 2: Oh my god?
Speaker 1: And I was like, oh my god. And so we
Speaker 1: checked another however many hours to hit to a peak.
Speaker 1: And for me that was just like very much a
Speaker 1: physical and mental test of strength. I guess I was
Speaker 1: ready to quit until that guy said said that to me,
Speaker 1: and I was like, oh my god, you're so right.
Speaker 1: And so to me just means it brings back that
Speaker 1: memory of like pushing through and doing hard things and
Speaker 1: like breaking the mental barrier because I think I'm someone
Speaker 1: who really struggles with my own mental limitations and self
Speaker 1: doubt and all those sorts of things, and like knowing
Speaker 1: that I did this physically and also mentally, very very
Speaker 1: difficult thing, I did it. I did it. And that
Speaker 1: is like such a wonderful memory that I have with
Speaker 1: me for the rest of my life. And so the
Speaker 1: word like, I love that it means freedom as well.
Speaker 1: It's really beautiful. But yeah, to me, that word just
Speaker 1: takes me back to that moment in that thought process.
Speaker 2: Yeah. Wow, that is a harrowing story.
Speaker 1: It was not fun to live, but like as in
Speaker 1: hindsight as a life lesson, it's loving.
Speaker 2: Just that's incredible. Oh my god, do you do you quote?
Speaker 1: Sure?
Speaker 2: Obviously as you know, I'm and for those listening, I'm
Speaker 2: going I'm through a breakup right now. So a few
Speaker 2: quotes and I don't want to like be that guy,
Speaker 2: but there there are a lot of my own that
Speaker 2: I like, uh, kind of just made up, but they
Speaker 2: really have gotten me through and helped get me through.
Speaker 2: But I think that they also are applicable in times
Speaker 2: we are not going through a breakup. But the one
Speaker 2: that I like to use that is or obviously quite
Speaker 2: a privileged thing to say because it doesn't apply to everyone,
Speaker 2: But I like to say, being okay is inevitable even
Speaker 2: if you're trying to actively not heal, even if you're
Speaker 2: just doing nothing to like toward healing, Like your body
Speaker 2: is constantly adapting to a new normal and constantly healing,
Speaker 2: even if you're not doing anything to help yourself get there.
Speaker 2: So being okay is inevitable. And then I also like,
Speaker 2: this isn't for me, it's from somewhere some meditation something,
Speaker 2: but I really like be where you are, and I
Speaker 2: tell myself that all the time, because if I'm really
Speaker 2: anxious about something, if I'm thinking about something I said
Speaker 2: in the past it was really silly, or I'm thinking
Speaker 2: about possible things in the future that are making me
Speaker 2: really sick and sad and anxious, I'm just I tell
Speaker 2: myself to be exactly where I am, and that is
Speaker 2: right here, there's a I'm sitting on a couch and
Speaker 2: I'm looking at you, and I'm going to be exactly
Speaker 2: where I am. That also is applicable for if you're
Speaker 2: sad that you've made the wrong life choices and you're like, oh,
Speaker 2: I don't you know you're thinking about what could have been,
Speaker 2: or you're thinking about what you want to do. Just
Speaker 2: know that, like we're kind of always if you're not
Speaker 2: ready to make a decision, you haven't made it yet.
Speaker 2: Like if you're like, oh, I wish I had started
Speaker 2: this ages ago, I wish I had like already saved
Speaker 2: this amount of money, Like if you just weren't ready
Speaker 2: at that time, just be exactly where you are because
Speaker 2: you are here for a reason. You're you can't have
Speaker 2: lived a different life, you can't have a different brain.
Speaker 2: Be exactly where you are and because that's exactly where
Speaker 2: you should be.
Speaker 1: You have the best bechisms, Like there's so many things
Speaker 1: like that that you say that are just so quotable
Speaker 1: and so lovely. That's so nice. Thank you, really beautiful take.
Speaker 2: That's a beautiful way to end it.
Speaker 1: I thought, I really agree. What a good spot. It's
Speaker 1: been a very fun episode. It's always such a joy
Speaker 1: when we get to get together and do something fun
Speaker 1: like this. So thank you guys for tunting in. Well
Speaker 1: done if you've made it this far, yes as well.
Speaker 1: We've really enjoyed hanging out with you. So if you're
Speaker 1: not already, follow us on Instagram, join the Facebook group.
Speaker 1: That's where we collect questions for these types of things.
Speaker 1: Also leave them in the comments on Spotify. I do
Speaker 1: love reading the Spotify comments. But that is all for
Speaker 1: us this week. Thanks for hanging out, and we'll see
Speaker 1: you on Friday for an episode of Friday Drinks.
Speaker 2: Thank you so much much, guys, We'll see you then,
Speaker 2: Bye bye.
Speaker 4: The advice shared on She's on the Money is general
Speaker 4: in nature and does not consider your individual circumstances. She's
Speaker 4: on the Money exists purely for educational purposes and should
Speaker 4: not be relied upon to make an investment or financial decision.
Speaker 4: If you do choose to buy a financial product, read
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