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Speaker 1: Just before we get started, we'd like to acknowledge and

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Speaker 1: pay respect to Australia's Aboriginal and torrest Rate islander people's.

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Speaker 1: They're the traditional custodians of the lands, the waterways and

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Speaker 1: the skies all across Australia. We thank you for sharing

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Speaker 1: and for caring for the land on which we are

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Speaker 1: able to learn. We pay respects to elders past and present,

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Speaker 1: and we share our friendship and our kindness.

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Speaker 2: She's on the Money, She's on the Money. Hello, and

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Speaker 2: welcome to She's on the Money, the podcast for millennials

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Speaker 2: who want financial freedom. Today is Friday, which means it's

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Speaker 2: time to sit back with the girls with a bev

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Speaker 2: in hands, to unpack our favorite moments of the week,

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Speaker 2: and of course, to celebrate you She's on the Money community.

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Speaker 2: As always, we'll be sharing our favorite money wins, we'll

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Speaker 2: discuss what's making news in the She's on the Money world,

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Speaker 2: and we'll also be helping to answer a juicy money question,

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Speaker 2: which this week is all about savings burnout. Before we

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Speaker 2: jump into a recap of the week that was, you

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Speaker 2: may notice this is not Victoria Divine speaking.

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Speaker 3: This is Georgia King's speaking. And Jessica. Ricky's taking ARCHI.

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Speaker 3: We're back.

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Speaker 2: We are not doing a gnj Q and.

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Speaker 3: A No we did that last week. Yeah, I've been there,

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Speaker 3: done that.

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Speaker 2: But unfortunately Victoria is still sick. The woman can't speak.

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Speaker 3: It's not great. That's why there's so.

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Speaker 2: Much George just content right now.

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Speaker 3: But we're not mad, it really is. We've just taken

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Speaker 3: over the show. See getting a bit more of us

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Speaker 3: this week. Hopefully you don't mind too much. But should

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Speaker 3: we start with the week that was on Monday? Of course,

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Speaker 3: let's do it. This week's diarist was a single mum

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Speaker 3: and she's living on welfare and it was a really

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Speaker 3: good chat. It was one of the diaries that we

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Speaker 3: put the call out for if you don't follow us

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Speaker 3: on Instagram, every once in a while we put out

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Speaker 3: a list of people that we'd really like to talk

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Speaker 3: to in the interest of keeping things diverse and interesting

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Speaker 3: and you know, people from all different walks of life.

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Speaker 3: And so this week's diris was a mum living on

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Speaker 3: welfare and just really side hustling her life away. She

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Speaker 3: had so many side hustles going on and she was

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Speaker 3: just really saying that every little bit counted she was

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Speaker 3: trying to make it work. She has a beautiful little

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Speaker 3: girl and that's who she's doing it all for. She

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Speaker 3: had left a abusive relationship and was going through a

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Speaker 3: really extensive court process. So if you've ever been through

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Speaker 3: something like that, those things can take a really long

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Speaker 3: time to play out, which is really hard when you're

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Speaker 3: just trying to move on with your life and look

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Speaker 3: after your family and do the best that you can.

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Speaker 3: And I think it was a really cool perspective to

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Speaker 3: see that even someone who has been through something incredibly challenging,

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Speaker 3: emotionally traumatic, and with so much going on, being a

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Speaker 3: young mum, she was just like, Nope, I've got to

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Speaker 3: make it work. And you know, if I have to

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Speaker 3: take out the binins once a week for a business,

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Speaker 3: that's what I'm going to do. That was cool.

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Speaker 2: I caught that episode on the way in today, Jess,

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Speaker 2: and that stuck out to me as well as being

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Speaker 2: a really quirky kind of side hustle. I have you

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Speaker 2: never heard of that before? But well, did it pay

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Speaker 2: like two grand a year or something?

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Speaker 3: Yeah, And like that's it's such a good example of

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Speaker 3: from little things big things, we say, like that little

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Speaker 3: bit of money that little job, she says, she takes

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Speaker 3: her daughter with her and we you know, up and

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Speaker 3: down the driveway taking out the bins. But over the

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Speaker 3: course of a year, it really adds up, particularly when

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Speaker 3: you're in a position where you know you don't have

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Speaker 3: a lot coming in when you're on welfare. We've spoken

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Speaker 3: about before. It's not a huge amount, particularly with the

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Speaker 3: cost of living increasing, and so she's had to find

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Speaker 3: a way to make that work for her.

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Speaker 2: Yeah, brilliant. Shall we talk about Wednesday's episode?

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Speaker 3: Yeah, tell me all about it. Look, you were on

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Speaker 3: it mag you and I.

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Speaker 2: We spoke all about income guilt and why we feel it.

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Speaker 2: We have both experienced it, so it was a really

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Speaker 2: interesting chat. We spoke about imposter syndrome, one of our favorites,

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Speaker 2: and we also spoke about ways of combating that feeling

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Speaker 2: of guilt, be that from over earning or feeling like

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Speaker 2: you overearn or perhaps under earning. So, yeah, it was

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Speaker 2: a really interesting chat.

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Speaker 3: Yeah, good one because it comes from both directions. Really

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Speaker 3: does ext the over and the under earning. We went

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Speaker 3: on a bit of a rant about emerging industries as

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Speaker 3: well to both of us working in that space, and

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Speaker 3: you know, people sometimes not giving it the respect that

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Speaker 3: it should have for so, you know, got a few

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Speaker 3: tickets on myself. But I think it was a great effict.

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Speaker 3: Yeah it was. It was an what else is great? Yeah?

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Speaker 2: I try.

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Speaker 3: I'm trying so hard to be as good as do

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Speaker 3: it the segway.

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Speaker 2: I'm terrible at them.

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Speaker 3: Should we get into the budget direct money wins of

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Speaker 3: the wheat joy Let's do a girl my favorite time

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Speaker 3: of the week.

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Speaker 2: The first win here comes from Lizzie. After last week's

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Speaker 2: loss of being a good Samaritan and telling the pet

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Speaker 2: shop that they delivered the wrong size of dog food

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Speaker 2: fifteen kilos instead of six kilos and taking them back.

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Speaker 2: This week, Willies accidentally gave us a free four pack

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Speaker 2: of cup of noodles.

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Speaker 3: I'm taking that as a week and as.

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Speaker 2: You should, Lizzie. I bloody love it. She's written hashtag

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Speaker 2: Karma comes back in noodles. Lizzie gets it. I love you, Lizzie.

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Speaker 2: Next up is jes A. A few months ago, it

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Speaker 2: came to light that I would be eligible for back

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Speaker 2: pay as my role at work had changed a lot

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Speaker 2: during COVID. To receive the back pay, I did have

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Speaker 2: to go through almost a year's worth of pace lips

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Speaker 2: and figure out not only the time I performed in

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Speaker 2: a different role, but also the different penalty rates and

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Speaker 2: overtime I performed. A headache.

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Speaker 3: That's a lot to go through. Now.

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Speaker 2: I know some of you guys really love your spreadsheets,

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Speaker 2: but it does not come naturally for me, so I

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Speaker 2: kept on putting off figuring it all out.

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Speaker 3: I hear you, Jess.

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Speaker 2: Anyway, I found myself in quarantine with COVID a few

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Speaker 2: months ago, and my wonderful partner helped me add it

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Speaker 2: all up and figure it all out. I submitted it

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Speaker 2: totally forgot about it until this week. It came in

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Speaker 2: and instead of getting my normal paycheck between three thousand

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Speaker 2: and four thousand dollars per fortnight, I got paid close

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Speaker 2: to twenty thousand dollars. How much four ten thousand dollars

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Speaker 2: post tax for the fortnight not a bad date at

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Speaker 2: the office. I had no idea it would be that much,

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Speaker 2: safe to say, I was stoked and really grateful that

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Speaker 2: my partner encouraged me to figure it all out and

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Speaker 2: submit it. I put all the savings into my house deposit,

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Speaker 2: and I give you.

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Speaker 3: Break that down over the amount of hours that you

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Speaker 3: spent doing all that admin, your hourly rate would be

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Speaker 3: pretty schmid. That's true. That is true.

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Speaker 2: But also how clever is she to be putting that

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Speaker 2: savings towards her house deposit? How many of us would

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Speaker 2: just be like, well, I'll better spend a couple of

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Speaker 2: ga on some clothes.

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Speaker 3: I don't know.

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Speaker 2: I con that's our back Yeah, exactly right, So well

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Speaker 2: done to you, Jess, yep, good job, alrighty Jess. The

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Speaker 2: next one comes from Zara. It's a money loss, but

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Speaker 2: maybe it's a future money win. I bought a second

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Speaker 2: hand Kowasaki motorbike for a fantastic price. While that has

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Speaker 2: set me back a little bit financially, within a year

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Speaker 2: and a half of writing it to work and elsewhere,

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Speaker 2: I would have saved that amount in petrol and reduced

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Speaker 2: my carbon emissions. Feeling pretty estatic, she also got a

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Speaker 2: free six hundred dollars jacket from a friend fantastically so

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Speaker 2: she doesn't need to buy that.

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Speaker 3: It's motorbike.

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Speaker 2: Double win, motorbike girl, we love it. The next win

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Speaker 2: that comes from Bree money win. My boyfriend and I

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Speaker 2: went out to celebrate our one year anniversary. Congratulations Brie.

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Speaker 2: The food took a little longer than usual, so the

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Speaker 2: restaurant paid for our drinks and we were a good

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Speaker 2: few cocktails in, so it's a good result. Well done, Brie.

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Speaker 2: The next week, it comes from Sarah. I've been looking

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Speaker 2: at buying a full length mirror for my apartment for ages,

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Speaker 2: but they're all like four hundred dollars new, so I

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Speaker 2: just couldn't justify the price. I went on Facebook marketplace randomly,

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Speaker 2: and someone was giving away nine groovy floor length mirrors

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Speaker 2: for free.

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Speaker 3: The only catch was that.

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Speaker 2: I did have to take allmine, so now my house

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Speaker 2: looks a little bit like a changing room. I'm super

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Speaker 2: stoked at my find though, and I might give a

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Speaker 2: few away to my friends to spread the joy around.

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Speaker 2: Did you see this in the group?

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Speaker 3: No? I mean mirrors are gorgeous.

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Speaker 2: Sarah has got any left? I know a girl me

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Speaker 2: it was pretty keen. I'm taking one off your hands,

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Speaker 2: but a very cool and quirky win there. The final

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Speaker 2: win of today comes from Brodie money Win. I lost

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Speaker 2: my phone in the car park of our Locals shopping

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Speaker 2: center while running my crying newborn back to the car. Flustered,

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Speaker 2: I didn't realize until I got to the car that

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Speaker 2: it didn't connect to my blue tooth, and then rushed

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Speaker 2: to the service where a lovely gentleman had handed my

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Speaker 2: phone back in with all the bank cards, health cards

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Speaker 2: and cash still in there. I was walking back to

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Speaker 2: the car where a local radio station was doing a

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Speaker 2: promo where you press a button for the chance to win.

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Speaker 3: I was feeling lucky.

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Speaker 2: I pressed a button and I won one thousand dollars.

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Speaker 2: So my tears of gratitude turned to tears of joy.

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Speaker 2: Not only did I not need to buy a new

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Speaker 2: phone license and chase new cards, but I also got

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Speaker 2: to spoil my girls with a playroom brieferb and a

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Speaker 2: weekend away wholesome.

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Speaker 3: What a good way to end them. Yeah, it's been

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Speaker 3: so good celebrating some of your budget Direct money wins

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Speaker 3: for award winning insurance search Budget Direct, Budget Direct Insurance Solved.

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Speaker 3: Let's head to a break, George, and then when we

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Speaker 3: come back, we've got some fun exciting shoes on the

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Speaker 3: money use and a chance to win something la la. See.

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Speaker 3: Then already we normally tackle some news in this slot

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Speaker 3: on the podcast, but to be honest, this week it's

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Speaker 3: all been election and a lot of other stuff. That

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Speaker 3: really is just a bit heavy, I think for the week.

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Speaker 3: And on the flip side, we have some fun sheees

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Speaker 3: on the Money news and updates to share, so we thought,

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Speaker 3: why not be a little little self promotional share the

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Speaker 3: fun things. There's a good chance for you to win something,

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Speaker 3: so stick to the end to hear that. First things first,

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Speaker 3: if you follow us on Instagram, you would have seen

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Speaker 3: that last week we did a fundraiser for TLC's Trackie

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Speaker 3: Act Day. Ye incredible stuff TLC for kids. As you

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Speaker 3: guys know, Victoria's the treasurer of that charity and they

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Speaker 3: do amazing work giving kids their last ride, kids with

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Speaker 3: chronic illness and all other kinds of problems and it's

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Speaker 3: just a really special thing to be able to be

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Speaker 3: involved with. And every year they have their annual Trackie

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Speaker 3: Act Day. Don't have to tell me twice to wear

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Speaker 3: my tracksuit pants, that's what's for sure. See you wear

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Speaker 3: your tracksuit pants. And we had some amazing prizes to

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Speaker 3: give away from some of our favorite brands. Of course,

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Speaker 3: when I got a Shees on the Money master Class,

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Speaker 3: a Jagged give voucher, a huge Mecha prize pack for

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Speaker 3: the Full Sunday Body range and a subscription to keep

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Speaker 3: it cleaner, and we were able to raise over two

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Speaker 3: thousand dollars. Amazing, So thank you so much to everybody

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Speaker 3: who bought a ticket. Genuinely, it's so special to us

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Speaker 3: to be able to raise the money for a great

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Speaker 3: charity and kind of put our work beyond ourselves and

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Speaker 3: put someone else up the front and share their cause

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Speaker 3: and just do something really special. So thank you so

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Speaker 3: much if you donated, or if you shared, or if

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Speaker 3: you wore your track suit pants, any little bit like

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Speaker 3: that really really counts and gotish to where we were.

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Speaker 2: Exactly right, and throw tales see for kids to follow

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Speaker 2: it on Instagram if you don't follow them already. They

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Speaker 2: are doing incredible work. They're a humble bunch, so they

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Speaker 2: don't really sing their own praises, so we'll do it

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Speaker 2: for them. Yeah, definitely, but maybe we'll throw that in

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Speaker 2: the show notes if we can.

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Speaker 3: Yeah. Incredible with the book as well. We kind of

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Speaker 3: we outed this last week, so I won't spend too

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Speaker 3: long on it. But a few people like what so

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Speaker 3: a little more information for you because clearly we didn't

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Speaker 3: give enough. The second seese on the Money Book, it's

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Speaker 3: all about investing, which is very exciting. You know how

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Speaker 3: passionate we are about it here, and so it only

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Speaker 3: made sense for it to be the second book. I

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Speaker 3: have had a sneaky peek at the manuscript and guys,

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Speaker 3: it's a good one. It's it's fully actionable. It takes

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Speaker 3: you right the way through from what everything is, what

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Speaker 3: you need to know, what to look for, and you

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Speaker 3: finish up with a really solid plan that you can

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Speaker 3: put together yourself. You don't need to see a financial advisor.

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Speaker 3: We are giving you all of the tools that you

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Speaker 3: need to put yourself in that positive position without having

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Speaker 3: to splash the cash on seeing somebody. So it's a

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Speaker 3: really empowering read. Might be a little bit biased, but

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Speaker 3: the first book was phenomenal and if you enjoyed that one,

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Speaker 3: I can almost guarantee that you're going to enjoy the

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Speaker 3: second one as well.

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Speaker 2: So would you say that this book Jayrek is good

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Speaker 2: for people who have maybe just started investing and people

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Speaker 2: who also haven't like what stage of your journey should

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Speaker 2: you be at?

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Speaker 3: Like who's the best? It's kind of for everyone. So

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Speaker 3: if you have started investing and you're maybe feeling like

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Speaker 3: you're kind of know what you're doing, but not really.

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Speaker 3: It's worth a read because Ve dives super deeply into

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Speaker 3: different concepts, different ways of assessing shares. She talks about

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Speaker 3: rebalancing your portfolio, tax all of those things that when

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Speaker 3: you're first learning about investing and maybe your micro investing,

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Speaker 3: you start with a smaller skill set and you build

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Speaker 3: your way up. So it's written in a way that

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Speaker 3: if you have no idea how to invest, you should

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Speaker 3: walk away feeling empowered, or if you're kind of you've

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Speaker 3: dipped your toe in the water. You've got a bit

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Speaker 3: of an idea, but you're not feeling fully educated on

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Speaker 3: all of the concepts yet. And the nice thing about

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Speaker 3: a book is you can write on it, you can

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Speaker 3: bookmarkt We saw a lot of people with the first

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Speaker 3: one putting those fun colorful tabs in it, and you

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Speaker 3: can come back to it again and again, and it's

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Speaker 3: really tangible. So I think for kind of anyone along

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Speaker 3: the journey, it's a really good rate.

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Speaker 2: And a good little gift perhaps as well, I can't think,

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Speaker 2: I mean Christmas is a little far away, but still

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Speaker 2: get organized girlies.

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Speaker 3: Well it is on sale right now, so if you

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Speaker 3: did want to get yourself a pre order. You can

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Speaker 3: save yourself a cheek heat twenty percent for you for

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Speaker 3: a gift, whatever you want to do.

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Speaker 2: That's the money in and it comes out in September.

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Speaker 2: If I am not mistaken, September twentieth.

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Speaker 3: Correct, it's not far away, so get excited. We are

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Speaker 3: so pumped and we're even more pumped to be bringing

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Speaker 3: you hopefully a little book tour around that time as well,

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Speaker 3: so stay tuned for.

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Speaker 2: That and our final update of the day, Jay Rick,

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Speaker 2: is a special event we have coming up.

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Speaker 3: I believe. Oh my goodness, guys, it's nearly our birthday,

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Speaker 3: the third anniversary birthday of She's on the money. That's crazy,

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Speaker 3: I know. Can you believe? It's so weird to think

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Speaker 3: that it's been three years because it seems like forever

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Speaker 3: and also no time at all. You feel the same way.

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Speaker 3: It's bizarre to me, really strange. So this year we're

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Speaker 3: celebrating we're out of COVID. We were meant to do

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Speaker 3: this last year. I think we spoke about it and

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Speaker 3: it didn't happen, so we are pumped to be doing

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Speaker 3: it this year after twelve months of waiting. June thirtieth,

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Speaker 3: we're holding a special event here in Melbourne. It also

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Speaker 3: happens to be vd's birthday. It's a double birthday bash

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Speaker 3: because it's the end of financial year. It's the ultimate irony.

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Speaker 3: It really, just truly is an alignment of like no other.

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Speaker 3: But the only way to get there is to win tickets. Hello,

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Speaker 3: you can't buy in. We wanted to make it so

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Speaker 3: that anybody could come, so if you do want to

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Speaker 3: enter for that, there'll be a link in the show

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Speaker 3: notes as well to head to our website and you

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Speaker 3: can still in a form tell us why you want

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Speaker 3: to come. We're giving a way double passes. So maybe

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Speaker 3: you want to come because you want to bring your

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Speaker 3: mum because she taught you so much about money, or

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Speaker 3: your best friend who's starting to work their way out

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Speaker 3: of debt and needs to be a little bit empowered.

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Speaker 3: There's going to be all kinds of fun things there. George,

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Speaker 3: We're going to do a live potty. The whole team

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Speaker 3: is going to be there. It's going to be a

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Speaker 3: Friday drink, so you know it's going to get a

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Speaker 3: little bit loose. It'll be really fun. There's going to

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Speaker 3: be food and drinks and dancing, some very swish gift

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Speaker 3: bags of co We do say so ourselves. You would

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Speaker 3: expect nothing less, and it's just going to be a

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Speaker 3: really good time, I think, to celebrate us and the

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Speaker 3: community and everything that has happened over the past three years.

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Speaker 3: So if you do want to be there, definitely check

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Speaker 3: it out. And if you're not based in Melbourne, we've

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Speaker 3: got some good news for you, so very excitingly, we

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Speaker 3: will be giving away one double pass from an interstate

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Speaker 3: listener to join us on the day, so that'll cover

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Speaker 3: your flight, your accommodation, you'll get to come along to

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Speaker 3: the event, meet the girlies. Bit of a VIP situation,

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Speaker 3: I think.

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Speaker 4: So.

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Speaker 2: Yeah, if you are into state and you're annoyed that

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Speaker 2: we are doing this in Melbourne, don't be enter the competition.

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Speaker 3: You could come down long. It'll be really fine. I'm

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Speaker 3: super pumped and I just think it's going to be

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Speaker 3: a really, really good time.

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Speaker 2: Yeah, cannot wait for that, jay Rix, So head to

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Speaker 2: the link in our show notes to enter. Guys, we

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Speaker 2: can't wait to see you all there. But now I

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Speaker 2: think it's time for a little money dilemma. Hi, Beart,

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Speaker 2: have you got a money dilemma you just can't solve

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Speaker 2: that She's on the Money team is here to help.

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Speaker 2: Every week we tackle your dilemmas, both big and small,

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Speaker 2: to answer your most burning money, career and life questions.

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Speaker 2: To get involved, simply head to our website and leave

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Speaker 2: us a quick voice recording and you may just find

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Speaker 2: yourself on the show. Now, let's take a listen to

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Speaker 2: today's money dilemma.

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Speaker 4: Hi, She's on the Money. My partner and I have

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Speaker 4: a few different big money goals that we want to

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Speaker 4: achieve over the span of how the many years that takes.

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Speaker 4: We've already cracked down in the last year and have

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Speaker 4: achieved something which is amazing, and now onto the next thing.

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Speaker 4: It kind of feels like we don't have a break.

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Speaker 4: We're always saving really hard, We've made sacrifices that sort

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Speaker 4: of thing. Do we keep pushing on until rereach the end?

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Speaker 4: Or like is there never going to be an end?

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Speaker 4: Like do you just enjoy the every day just struggling? Yeah?

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Speaker 4: Without mentality at the moment, thinks.

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Speaker 2: Look, I don't know where to start with that dilemma.

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Speaker 2: I think the first thing to kind of note is

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Speaker 2: her tone. She sounds really really flat and she found

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Speaker 2: out Yeah, so I hope you're okay, dear listener, But

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Speaker 2: I think the place that I would start is firstly

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Speaker 2: to congratulate you on the massive goal that you said

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Speaker 2: you achieved very recently with your partner. That's incredible. But

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Speaker 2: I think what we probably need to be doing here

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Speaker 2: is celebrating our wins along the way and making room

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Speaker 2: in our budget for fun things, because we're not just

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Speaker 2: earning to reach those bigger goals, we're earning to live

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Speaker 2: a life that we love along the way, and it

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Speaker 2: is so important to find that balance to keep you

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Speaker 2: on track to those bigger goals. And if you don't

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Speaker 2: feel like you have anything to look forward to along

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Speaker 2: the way, then it's really hard to keep on going.

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Speaker 2: It sounds like you've really burnt out. Yeah, what do

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Speaker 2: you think, j Rik?

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Speaker 3: Yeah, one hundred percent. I think kind of taking a

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Speaker 3: step back to look at your priorities because you know,

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Speaker 3: you said, does it ever end? And I mean the

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Speaker 3: short answer is no. I think as humans, we achieve

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Speaker 3: something and then we go, what's the next thing? Where

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Speaker 3: are we going? What are we doing? So, like you said, gee,

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Speaker 3: making sure that you're taking time to celebrate and where possible,

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Speaker 3: making room in your budget for little wins and celebrations

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Speaker 3: for yourself, but also kind of going, Okay, well, I've

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Speaker 3: just achieved this big goal. I've got my next one.

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Speaker 3: What does that timeline look like for me? Do I

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Speaker 3: want to push it out a little bit further so

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Speaker 3: that I can enjoy my life more comfortably on the

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Speaker 3: way there, or is it something that I want to

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Speaker 3: tackle urgently. Is it a debt, because if so, you're

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Speaker 3: paying interest, maybe you want to look at doing that

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Speaker 3: sooner rather than later. Or is it, you know, a

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Speaker 3: goal that I can afford to stretch out a bit

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Speaker 3: so I can enjoy the journey there a little bit more.

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Speaker 3: Because yeah, like we will always theoretically have a goal.

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Speaker 3: I think if you don't have a goal, you'd probably

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Speaker 3: be feeling a little bit aimless and going, oh, well,

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Speaker 3: what am I doing? I'm just floating along. So, yes,

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Speaker 3: you will always have a goal, and you probably will

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Speaker 3: always be working towards something, and that doesn't have to

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Speaker 3: be a bad thing as long as you're taking the

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Speaker 3: time to enjoy yourself as well. One hundred percent. I think,

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Speaker 3: just judging from our listener's voice as well, I'm probably

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Speaker 3: honed into the tone and the voice. It sounds like

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Speaker 3: she is quite young, so I wouldn't be putting too

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Speaker 3: much pressure on myself in my early twenties to achieve

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Speaker 3: all of these things when you do have the rest

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Speaker 3: of your life to be doing that. In saying that

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Speaker 3: it is so important that you have those goals, and

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Speaker 3: well done to you for having them, but I would

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Speaker 3: also suggest perhaps breaking them down into smaller goals. It's

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Speaker 3: hard because we don't know what you've got lined up.

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Speaker 3: You did say that they are larger goals, so maybe

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Speaker 3: like a house deposit, maybe paying off your car, things

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Speaker 3: like that. But maybe if you set like monthly saving

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Speaker 3: goals to hit those larger goals, and treating yourself when

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Speaker 3: you hit those smaller goals along the way could be helpful,

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Speaker 3: almost like a personal KPI. Yes, save your corporate I

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Speaker 3: want to hit this thing, and when I hit this thing,

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Speaker 3: I get to go on a really nice dinner, or

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Speaker 3: I get to go and you know, purchase something that

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00:19:20,320 --> 00:19:22,320
Speaker 3: I've really had my eye on, or save up towards

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00:19:22,359 --> 00:19:24,840
Speaker 3: that I don't forget. If you are working towards a goal,

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00:19:25,160 --> 00:19:27,879
Speaker 3: you don't have to be putting one hundred percent of

439
00:19:27,960 --> 00:19:30,119
Speaker 3: everything towards it. And again like you said, it's a

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00:19:30,160 --> 00:19:32,720
Speaker 3: little hard because we don't know what exactly the outcome

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00:19:32,800 --> 00:19:34,879
Speaker 3: is here. But if you're saving for a house deposit,

442
00:19:34,920 --> 00:19:37,679
Speaker 3: for example, you can have your big house deposit account

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00:19:37,760 --> 00:19:39,959
Speaker 3: that you know a large portion of your savings are

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00:19:40,000 --> 00:19:42,399
Speaker 3: going towards. But you can also have a smaller account

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00:19:42,480 --> 00:19:45,320
Speaker 3: that you're allocating for a holiday or you know, for

446
00:19:45,800 --> 00:19:48,240
Speaker 3: some new clothes or an adventure that you want to have,

447
00:19:48,359 --> 00:19:50,920
Speaker 3: or you know, whatever motivates you. You don't have to

448
00:19:50,920 --> 00:19:52,640
Speaker 3: be all or nothing. You can actually do a couple

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00:19:52,640 --> 00:19:55,600
Speaker 3: of things at once. But it ultimately does come down

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00:19:55,640 --> 00:19:58,080
Speaker 3: to how much you value that thing that you're working

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00:19:58,119 --> 00:20:01,120
Speaker 3: towards versus the other thing. And that's kind of how

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00:20:01,119 --> 00:20:03,359
Speaker 3: you can break it down and maybe make it a

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00:20:03,400 --> 00:20:04,200
Speaker 3: little bit more fun.

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00:20:04,280 --> 00:20:06,080
Speaker 2: Yeah, is that how you manage your money?

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00:20:06,160 --> 00:20:09,480
Speaker 3: Jbrid Yeah, as everybody knows, Like, my house deposit is

456
00:20:09,760 --> 00:20:11,280
Speaker 3: my big thing right now, which is where most of

457
00:20:11,320 --> 00:20:13,760
Speaker 3: my money is going. But like I said last week,

458
00:20:13,920 --> 00:20:16,720
Speaker 3: I am reallocating some of those funds this month because

459
00:20:16,720 --> 00:20:18,520
Speaker 3: I'm going away on a girl's trip with VD And

460
00:20:18,680 --> 00:20:21,439
Speaker 3: so for me, I decided that I valued that and

461
00:20:21,480 --> 00:20:25,440
Speaker 3: I rearranged my I guess savings schedule if you will

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00:20:25,800 --> 00:20:28,280
Speaker 3: for the month and decided that that trip was going

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00:20:28,320 --> 00:20:30,160
Speaker 3: to be a priority for me because I have worked

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00:20:30,200 --> 00:20:31,920
Speaker 3: really hard and it has been a long time since

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00:20:31,920 --> 00:20:34,119
Speaker 3: I've done something like that, and I did have to

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00:20:34,119 --> 00:20:36,400
Speaker 3: remind myself not to feel guilty about it. Yeah, because

467
00:20:36,440 --> 00:20:39,400
Speaker 3: you do get really set in you know, this goal

468
00:20:39,680 --> 00:20:41,480
Speaker 3: is the be all and end all, and I must

469
00:20:41,560 --> 00:20:44,040
Speaker 3: do everything that I can to get there. And that

470
00:20:44,119 --> 00:20:47,120
Speaker 3: mindset can be really powerful, but it can also lead

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00:20:47,160 --> 00:20:49,840
Speaker 3: to burnout exactly. And so if you're not celebrating and

472
00:20:49,880 --> 00:20:53,000
Speaker 3: making those little allowances and being gentle and kind to yourself,

473
00:20:53,400 --> 00:20:55,280
Speaker 3: then you probably will end up feeling a bit icky

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00:20:55,320 --> 00:20:56,000
Speaker 3: about them. Yeah.

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00:20:56,320 --> 00:20:58,760
Speaker 2: We also did do an episode on spending guilt, which

476
00:20:58,760 --> 00:21:01,560
Speaker 2: could be a good one for this great cool listen

477
00:21:01,600 --> 00:21:05,480
Speaker 2: to well loveily chatting with you as always, Jessica through

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00:21:05,600 --> 00:21:08,480
Speaker 2: g I believe it will be you and I on Monday.

479
00:21:09,440 --> 00:21:13,560
Speaker 3: It's really a week of firsts. Due Wednesday, deep first

480
00:21:14,160 --> 00:21:17,399
Speaker 3: Monday money. It's very exciting. It's a good ee.

481
00:21:17,480 --> 00:21:20,119
Speaker 2: So yeah, keep your ears peeled exactly right time to

482
00:21:20,160 --> 00:21:21,480
Speaker 2: rup the boring but important stuff.

483
00:21:22,119 --> 00:21:24,240
Speaker 3: Take it away. Don't feel guys that the advice shared

484
00:21:24,280 --> 00:21:26,240
Speaker 3: on She's on the Money is generally in nature and

485
00:21:26,320 --> 00:21:29,679
Speaker 3: does not consider your individual circumstances. She's on the Money

486
00:21:29,720 --> 00:21:32,639
Speaker 3: exists purely for educational purposes and should not be relied

487
00:21:32,720 --> 00:21:35,560
Speaker 3: upon to make an investment or a financial decision. And

488
00:21:35,640 --> 00:21:38,119
Speaker 3: we promise Victoria divine and She's on the Money are

489
00:21:38,200 --> 00:21:43,120
Speaker 3: authorized representatives of Infocused Securities Australia Proprietary Limited ABN four

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00:21:43,200 --> 00:21:46,600
Speaker 3: seven oh nine seven seven nine seven four nine AFSL

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00:21:46,720 --> 00:21:47,879
Speaker 3: two three six five.

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00:21:47,840 --> 00:21:50,600
Speaker 2: Two three stunning And please, guys, don't forget to join

493
00:21:50,720 --> 00:21:53,000
Speaker 2: us over in the Facebook group. It's a community of

494
00:21:53,000 --> 00:21:56,440
Speaker 2: over two hundred and eighteen thousand now, which is insane,

495
00:21:56,680 --> 00:21:59,520
Speaker 2: So come and join us for some fun, judgment free

496
00:21:59,640 --> 00:22:02,720
Speaker 2: money chats. We're also on Instagram, TikTok. You can find

497
00:22:02,800 --> 00:22:04,399
Speaker 2: us all over the place and we would love to

498
00:22:04,440 --> 00:22:06,720
Speaker 2: have you. Yeah, and if you're feeling generous, don't forget

499
00:22:06,720 --> 00:22:08,960
Speaker 2: to leave us a review. We would so appreciate it,

500
00:22:09,000 --> 00:22:11,080
Speaker 2: particularly while it's me and George holding dates exactly.

501
00:22:11,280 --> 00:22:13,679
Speaker 3: It makes out dates, it really does. Did I just

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00:22:13,720 --> 00:22:14,560
Speaker 3: well up a little bit?

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00:22:14,680 --> 00:22:15,000
Speaker 2: Yes?

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00:22:15,359 --> 00:22:18,560
Speaker 3: On that tender note. Have a good weekend, Bye guys,