Speaker 1: Just before we get started, we'd like to acknowledge and
Speaker 1: pay respect to Australia's Aboriginal and torrest Rate islander people's.
Speaker 1: They're the traditional custodians of the lands, the waterways and
Speaker 1: the skies all across Australia. We thank you for sharing
Speaker 1: and for caring for the land on which we are
Speaker 1: able to learn. We pay respects to elders past and present,
Speaker 1: and we share our friendship and our kindness.
Speaker 2: She's on the Money, She's on the Money. Hello, and
Speaker 2: welcome to She's on the Money, the podcast for millennials
Speaker 2: who want financial freedom. Today is Friday, which means it's
Speaker 2: time to sit back with the girls with a bev
Speaker 2: in hands, to unpack our favorite moments of the week,
Speaker 2: and of course, to celebrate you She's on the Money community.
Speaker 2: As always, we'll be sharing our favorite money wins, we'll
Speaker 2: discuss what's making news in the She's on the Money world,
Speaker 2: and we'll also be helping to answer a juicy money question,
Speaker 2: which this week is all about savings burnout. Before we
Speaker 2: jump into a recap of the week that was, you
Speaker 2: may notice this is not Victoria Divine speaking. This is
Speaker 2: Georgia King's speaking. And Jessica. Ricky's taking ARCHI. We're back.
Speaker 2: We are not doing a gnj Q and.
Speaker 3: A No we did that last week. Yeah, I've been there,
Speaker 3: done that.
Speaker 2: But unfortunately Victoria is still sick. The woman can't speak.
Speaker 3: It's not great.
Speaker 2: That's why there's so much George just content right now.
Speaker 2: But we're not mad, it really is.
Speaker 3: We've just taken over the show. See getting a bit
Speaker 3: more of us this week. Hopefully you don't mind too much.
Speaker 3: But should we start with the week that was on Monday?
Speaker 2: Of course, let's do it.
Speaker 3: This week's diarist was a single mum and she's living
Speaker 3: on welfare and it was a really good chat. It
Speaker 3: was one of the diaries that we put the call
Speaker 3: out for if you don't follow us on Instagram, every
Speaker 3: once in a while we put out a list of
Speaker 3: people that we'd really like to talk to in the
Speaker 3: interest of keeping things diverse and interesting and you know,
Speaker 3: people from all different walks of life. And so this
Speaker 3: week's diris was a mum living on welfare and just
Speaker 3: really side hustling her life away. She had so many
Speaker 3: side hustles going on and she was just really saying
Speaker 3: that every little bit counted she was trying to.
Speaker 2: Make it work.
Speaker 3: She has a beautiful little girl and that's who she's
Speaker 3: doing it all for. She had left a abusive relationship
Speaker 3: and was going through a really extensive court process. So
Speaker 3: if you've ever been through something like that, those things
Speaker 3: can take a really long time to play out, which
Speaker 3: is really hard when you're just trying to move on
Speaker 3: with your life and look after your family and do
Speaker 3: the best that you can. And I think it was
Speaker 3: a really cool perspective to see that even someone who
Speaker 3: has been through something incredibly challenging, emotionally traumatic, and with
Speaker 3: so much going on, being a young mum, she was
Speaker 3: just like, Nope, I've got to make it work. And
Speaker 3: you know, if I have to take out the binins
Speaker 3: once a week for a business, that's what I'm going
Speaker 3: to do.
Speaker 2: That was cool. I caught that episode on the way
Speaker 2: in today, Jess, and that stuck out to me as
Speaker 2: well as being a really quirky kind of side hustle.
Speaker 2: I've you never heard of that before, but well, did
Speaker 2: it pay like two grand a year or something?
Speaker 3: Yeah, And like that's it's such a good example of
Speaker 3: from little things big things, we say, like that little
Speaker 3: bit of money that little job, she says, she takes
Speaker 3: her daughter with her and we you know, up and
Speaker 3: down the driveway taking out the bins. But over the
Speaker 3: course of a year, it really adds up, particularly when
Speaker 3: you're in a position where you know you don't have
Speaker 3: a lot coming in when you're on welfare. We've spoken
Speaker 3: about before. It's not a huge amount, particularly with the
Speaker 3: cost of living increasing, and so she's had to find
Speaker 3: a way to make that work for her.
Speaker 2: Yeah, brilliant. Shall we talk about Wednesday's episode? Yeah, tell
Speaker 2: me all about it. Look, you were on it mag
Speaker 2: you and I. We spoke all about income guilt and
Speaker 2: why we feel it. We have both experienced it, so
Speaker 2: it was a really interesting chat. We spoke about imposter syndrome,
Speaker 2: one of our favorites, and we also spoke about ways
Speaker 2: of combating that feeling of guilt, be that from over
Speaker 2: earning or feeling like you overearn or perhaps under earning. So, yeah,
Speaker 2: it was a really interesting chat.
Speaker 3: Yeah, good one because it comes from both directions. Really
Speaker 3: does ext the over and the under earning. We went
Speaker 3: on a bit of a rant about emerging industries as
Speaker 3: well to both of us working in that space, and
Speaker 3: you know, people sometimes not giving it the respect that
Speaker 3: it should have for so, you know, got a few
Speaker 3: tickets on myself. But I think it was a great effict.
Speaker 2: Yeah it was. It was an what else is great? Yeah?
Speaker 2: I try.
Speaker 3: I'm trying so hard to be as good as do
Speaker 3: it the segway.
Speaker 2: I'm terrible at them. Should we get into the budget
Speaker 2: direct money wins of the wheat joy Let's do it girl,
Speaker 2: my favorite time of the week. The first win here
Speaker 2: comes from Lizzie. After last week's loss of being a
Speaker 2: good Samaritan and telling the pet shop that they delivered
Speaker 2: the wrong size of dog food fifteen kilos instead of
Speaker 2: six kilos and taking them back. This week, Willies accidentally
Speaker 2: gave us a free four pack of cup of noodles.
Speaker 3: I'm taking that as a week and as.
Speaker 2: You should, Lizzie. I bloody love it. She's written hashtag
Speaker 2: Karma comes back in noodles. Lizzie gets it. I love you, Lizzie.
Speaker 2: Next up is jess A. A few months ago, it
Speaker 2: came to light that I would be eligible for back
Speaker 2: pay as my role at work had changed a lot
Speaker 2: during COVID. To receive the back pay, I did have
Speaker 2: to go through almost a year's worth of pace lips
Speaker 2: and figure out not only the time I performed in
Speaker 2: a different role, but also the different penalty rates and
Speaker 2: overtime I performed. A headache. That's a lot to go through. Now.
Speaker 2: I know some of you guys really love your spreadsheets,
Speaker 2: but it does not come naturally for me, so I
Speaker 2: kept on putting off figuring it all out. I hear you, Jess. Anyway,
Speaker 2: I found myself in quarantine with COVID a few months ago,
Speaker 2: and my wonderful partner helped me add it all up
Speaker 2: and figure it all out. I submitted it totally forgot
Speaker 2: about it until this week. It came in and instead
Speaker 2: of getting my normal paycheck between three thousand and four
Speaker 2: thousand dollars per fortnight, I got paid close to twenty
Speaker 2: thousand dollars. How much four ten thousand dollars post tax
Speaker 2: for the fortnight not a bad date at the office.
Speaker 2: I had no idea it would be that much, safe
Speaker 2: to say, I was stoked and really grateful that my
Speaker 2: partner encouraged me to figure it all out and submit it.
Speaker 2: I put all the savings into my house deposit, and
Speaker 2: I give you.
Speaker 3: Break that down over the amount of hours that you
Speaker 3: spent doing all that admin, your hourly rate would.
Speaker 2: Be pretty schmid. That's true. That is true. But also
Speaker 2: how clever is she to be putting that savings towards
Speaker 2: her house deposit? How many of us would just be like, well,
Speaker 2: I'll better spend the couple of ga on some clothes.
Speaker 2: I don't know I can.
Speaker 3: That's an our back.
Speaker 2: Yeah, exactly right, So well done to you, Jess, Yep,
Speaker 2: good job, alrighty Jess. The next one comes from Zara.
Speaker 2: It's a money loss, but maybe it's a future money win.
Speaker 2: I bought a second hand Kowasaki motorbike for a fantastic price.
Speaker 2: While that has set me back a little bit financially,
Speaker 2: within a year and a half of writing it to
Speaker 2: work and elsewhere, I would have saved that amount in
Speaker 2: petrol and reduced my carbon emissions. Feeling pretty estatic, she
Speaker 2: also got a free six hundred dollars jacket from a
Speaker 2: friend fit fantastically so she doesn't need to buy that.
Speaker 2: It's motorbike, double win, motorbike girl, we love it. The
Speaker 2: next win that comes from Bree money win. My boyfriend
Speaker 2: and I went out to celebrate our one year anniversary.
Speaker 2: Congratulations Brie. The food took a little longer than usual,
Speaker 2: so the restaurant paid for our drinks and we were
Speaker 2: a good few cocktails in, so it's a good result.
Speaker 2: Well done, Brie. The next week, it comes from Sarah.
Speaker 2: I've been looking at buying a full length mirror for
Speaker 2: my apartment for ages, but they're all like four hundred
Speaker 2: dollars new, so I just couldn't justify the price. I
Speaker 2: went on Facebook Marketplace randomly and someone was giving away
Speaker 2: nine groovy floor length mirrors for free. The only catch
Speaker 2: was that I did have to take allmine, so now
Speaker 2: my house looks a little bit like a changing room.
Speaker 2: I'm super stoked at my find though, and I might
Speaker 2: give a few away to my friends to spread the
Speaker 2: joy around. Did you see this in the group?
Speaker 3: No?
Speaker 2: I mean mirrors are gorgeous? Sarah has got any left?
Speaker 2: I know A girl me it was pretty keen. I'm
Speaker 2: taking one off your hands, but a very cool and
Speaker 2: quirky win there. The final win of today comes from
Speaker 2: Brodie money Win. I lost my phone in the car
Speaker 2: park of our Locals shopping center while running my crying
Speaker 2: newborn back to the car. Flustered, I didn't realize until
Speaker 2: I got to the car that it didn't connect to
Speaker 2: my blue tooth, and then rushed to the service where
Speaker 2: a lovely gentleman had handed my phone back in with
Speaker 2: all the bank cards, health cards and cash still in there.
Speaker 2: I was walking back to the car where a local
Speaker 2: radio station was doing a promo where you press a
Speaker 2: button for the chance to win. I was feeling lucky.
Speaker 2: I pressed a button and I won one thousand dollars.
Speaker 2: So my tears of gratitude turned to tears of joy.
Speaker 2: Not only did I not need to buy a new
Speaker 2: phone license and chase new cards, but I also got
Speaker 2: to spoil my girls with a playroom briefer and a
Speaker 2: weekend away wholesome.
Speaker 3: What a good way to end them. Yeah, it's been
Speaker 3: so good celebrating some of your budget Direct money wins
Speaker 3: for award winning insurance Search Budget Direct, Budget Direct Insurance Solved.
Speaker 2: Let's head to a break, George.
Speaker 3: And then when we come back, we've got some fun
Speaker 3: exciting shoes on the money use and a chance to
Speaker 3: win something la la.
Speaker 2: See.
Speaker 3: Then already we normally tackle some news in this slot
Speaker 3: on the podcast, but to be honest, this week it's
Speaker 3: all been election and a lot of other stuff that
Speaker 3: really is just a bit heavy I think for the week.
Speaker 3: And on the flip side, we have some fun sheees
Speaker 3: on the Money news and updates to share, so we thought,
Speaker 3: why not be a little little self promotional share the
Speaker 3: fun things. There's a good chance for you to win something,
Speaker 3: so stick to the end.
Speaker 2: Hear that.
Speaker 3: First things first, if you follow us on Instagram, you
Speaker 3: would have seen that. Last week we did a fundraiser
Speaker 3: for TLC's Trackie Act Day. Ye incredible stuff TLC for kids.
Speaker 3: As you guys know, Victoria's the treasurer of that charity
Speaker 3: and they do amazing work giving kids their last ride,
Speaker 3: kids with chronic illness and all other kinds of problems
Speaker 3: and it's just a really special thing to be able
Speaker 3: to be involved with. And every year they have their
Speaker 3: annual Trackie Act Day. Don't have to tell me twice.
Speaker 3: Wear my tracksuit pants, that's for sure. See you wear
Speaker 3: your tracksuit pants. And we had some amazing prizes to
Speaker 3: give away from some of our favorite brands. Of course,
Speaker 3: when I got a Shees on the Money Master Class,
Speaker 3: a Jagged give voucher, a huge Mecha prize pack for
Speaker 3: the Full Sunday Body Range, and a subscription to keep
Speaker 3: it cleaner, and we were able to raise over two
Speaker 3: thousand dollars amazing, So thank you so much to everybody
Speaker 3: who bought a ticket. Genuinely, it's so special to us
Speaker 3: to be able to raise the money for a great
Speaker 3: charity and kind of put our work beyond ourselves and
Speaker 3: put someone else up the front and share their cause
Speaker 3: and just do something really special. So thank you so
Speaker 3: much if you donated, or if you shared, or if
Speaker 3: you wore your track suit pants, any little bit like
Speaker 3: that really really counts and gotish to where we were.
Speaker 2: Exactly right, and throw tales see for kids to follow
Speaker 2: it on Instagram if you don't follow them already. They
Speaker 2: are doing incredible work. They're a humble bunch, so they
Speaker 2: don't really sing their own praises, so we'll do it
Speaker 2: for them. Yeah, definitely, but maybe we'll throw that in
Speaker 2: the show notes if we can.
Speaker 3: Yeah.
Speaker 2: Incredible with the book as well.
Speaker 3: We kind of we outed this last week, so I
Speaker 3: won't spend too long on it. But a few people
Speaker 3: like what so a little more information for you because
Speaker 3: clearly we didn't give enough. The second seese on the
Speaker 3: Money Book, it's all about investing, which is very exciting.
Speaker 3: You know how passionate we are about it here, and
Speaker 3: so it only made sense for it to be the
Speaker 3: second book. I have had a sneaky peek at the
Speaker 3: manuscript and guys, it's a good one. It's it's fully actionable.
Speaker 3: It takes you right the way through from what everything is,
Speaker 3: what you need to know, what to look for, and
Speaker 3: you finish up with a really solid plan that you
Speaker 3: can put together yourself. You don't need to see a
Speaker 3: financial advisor. We are giving you all of the tools
Speaker 3: that you need to put yourself in that positive position
Speaker 3: without having to splash the cash on seeing somebody. So
Speaker 3: it's a really empowering read. Might be a little bit biased,
Speaker 3: but the first book was phenomenal and if you enjoyed
Speaker 3: that one, I can almost guarantee that you're going to
Speaker 3: enjoy the second one as well.
Speaker 2: So would you say that this book Jayrek is good
Speaker 2: for people who have maybe just started investing and people
Speaker 2: who also haven't like what stage of your journey should
Speaker 2: you be at? Like who's the best? It's kind of
Speaker 2: for everyone.
Speaker 3: So if you have started investing and you're maybe feeling
Speaker 3: like you're kind of know what you're doing, but not really.
Speaker 3: It's worth a read because Ve dives super deeply into
Speaker 3: different concepts, different ways of assessing shares. She talks about
Speaker 3: rebalancing your portfolio, tax all of those things that when
Speaker 3: you're first learning about investing and maybe your micro investing,
Speaker 3: you start with a smaller skill set and you build
Speaker 3: your way up. So it's written in a way that
Speaker 3: if you have no idea how to invest, you should
Speaker 3: walk away feeling empowered, or if you're kind of you've
Speaker 3: dipped your toe in the water, you've got a bit
Speaker 3: of an idea, but you're not feeling fully educated on
Speaker 3: all of the concepts yet. And the nice thing about
Speaker 3: a book is you can write on it. You can bookmarket.
Speaker 3: We saw a lot of people with the first one
Speaker 3: putting those fun, colorful tabs in it, and you can
Speaker 3: come back to it again and again, and it's really tangible.
Speaker 3: So I think for kind of anyone along the journey,
Speaker 3: it's a really good rate.
Speaker 2: And a good little gift perhaps as well, I can't think,
Speaker 2: I mean Christmas is a little far away, but still
Speaker 2: get organized girlies.
Speaker 3: Well it is on sale right now, so if you
Speaker 3: did want to get yourself a pre order you can
Speaker 3: save yourself a cheek heat twenty percent for you for
Speaker 3: a gift, whatever you want to do.
Speaker 2: That's the money in and it comes out in September,
Speaker 2: if I am not mistaken, September twentieth.
Speaker 3: Correct, it's not far away, So get excited. We are
Speaker 3: so pumped and we're even more pumped to be bringing
Speaker 3: you hopefully a little book tour around that time as well,
Speaker 3: so stay tuned for.
Speaker 2: That and our final update of the day, Jay Rick,
Speaker 2: is a special event we have coming up. I believe.
Speaker 3: Oh my goodness, guys, it's nearly our birthday, the third
Speaker 3: anniversary birthday.
Speaker 2: Of She's on the money. That's crazy, I know.
Speaker 3: Can you believe? It's so weird to think that it's
Speaker 3: been three years because it seems like forever and also
Speaker 3: no time at all. You feel the same way. It's
Speaker 3: bizarre to me, really strange. So this year we're celebrating
Speaker 3: we're out of COVID. We were meant to do this
Speaker 3: last year. I think we spoke about it and it
Speaker 3: didn't happen, So we are pumped to be doing it
Speaker 3: this year after twelve months of waiting. June thirtieth, we're
Speaker 3: holding a special event here in Melbourne. It also happens
Speaker 3: to be vd's birthday. It's a double birthday bash because
Speaker 3: it's the end of financial year. It's the ultimate irony.
Speaker 3: It really just truly is an alignment of like no other.
Speaker 3: But the only way to get there is to win tickets. Hello,
Speaker 3: you can't buy in. We wanted to make it so
Speaker 3: that anybody could come, so if you do want to
Speaker 3: enter for that, there'll be a link in the show
Speaker 3: notes as well to head to our website and you
Speaker 3: can still in a form tell us why you want
Speaker 3: to come. We're giving a way double passes. So maybe
Speaker 3: you want to come because you want to bring your
Speaker 3: mum because she taught you so much about money, or
Speaker 3: your best friend who's starting to work their way out
Speaker 3: of debt and needs to be a little bit empowered.
Speaker 3: There's going to be all kinds of fun things there, George,
Speaker 3: We're going to do a live potty. The whole team
Speaker 3: is going to be there. It's going to be a
Speaker 3: Friday drink, so you know it's going to get a
Speaker 3: little bit loose. It'll be really fun. There's going to
Speaker 3: be food and drinks and dancing, some very swish gift bags.
Speaker 2: We do say so ourselves.
Speaker 3: You would expect nothing less and it's just going to
Speaker 3: be a really good time, I think, to celebrate us
Speaker 3: and the community and everything that has happened over the
Speaker 3: past three years. So if you do want to be there,
Speaker 3: definitely check it out. And if you're not based in Melbourne,
Speaker 3: we've got some good news for.
Speaker 2: You, so very excitingly, we will be giving away one
Speaker 2: double pass from an interstate listener to join us on
Speaker 2: the day, so that'll cover your flight, your accommodation, you'll
Speaker 2: get to come along to the event, meet the girlies.
Speaker 2: Bit of a VIP situation, I think.
Speaker 4: So.
Speaker 2: Yeah, if you are into state and you're annoyed that
Speaker 2: we are doing this in Melbourne, don't be enter the competition.
Speaker 2: You could come down long.
Speaker 3: It'll be really fine. I'm super pumped and I just
Speaker 3: think it's going to be a really really good time.
Speaker 2: Yeah, cannot wait for that, jay Rix, So head to
Speaker 2: the link in our show notes to enter. Guys, we
Speaker 2: can't wait to see you all there. But now I
Speaker 2: think it's time for a little money dilemma. Hi, Beart,
Speaker 2: have you got a money dilemma you just can't solve
Speaker 2: that She's on the Money Team is here to help.
Speaker 2: Every week, we tackle your dilemmas, both big and small,
Speaker 2: to answer your most burning money, career and life questions.
Speaker 2: To get involved, simply head to our website and leave
Speaker 2: us a quick voice recording and you may just find
Speaker 2: yourself on the show. Now, let's take a listen to
Speaker 2: today's money dilemma.
Speaker 4: Hi, she's on the money. My partner and I have
Speaker 4: a few different big money goals that we want to
Speaker 4: achieve over the span of how the many years that takes.
Speaker 4: We've already cracked down in the last year and have
Speaker 4: achieved something which is amazing, and now onto the next thing.
Speaker 4: It kind of feels like we don't have a break.
Speaker 4: We're always saving really hard, We've made sacrifices that sort
Speaker 4: of thing. Do we keep pushing on until rereach the end?
Speaker 4: Or like is there never going to be an end?
Speaker 4: Like do you just enjoy the every day just struggling? Yeah?
Speaker 4: Without mentality at the moment, thinks.
Speaker 2: Look, I don't know where to start with that dilemma.
Speaker 2: I think the first thing to kind of note is
Speaker 2: her tone. She sounds really really flat and she found
Speaker 2: out Yeah, so I hope you're okay, dear, listener. But
Speaker 2: I think the place that I would start is firstly
Speaker 2: to congratulate you on the massive goal that you said
Speaker 2: you achieved very recently with your partner. That's incredible. But
Speaker 2: I think what we probably need to be doing here
Speaker 2: is celebrating our wins along the way and making room
Speaker 2: in our budget for fun things, because we're not just
Speaker 2: earning to reach those bigger goals, we're earning to live
Speaker 2: a life that we love along the way, and it
Speaker 2: is so important to find that balance to keep you
Speaker 2: on track to those bigger goals. And if you don't
Speaker 2: feel like you have anything to look forward to along
Speaker 2: the way, then it's really hard to keep on going.
Speaker 2: It sounds like you've really burnt out. Yeah what do
Speaker 2: you think, j Rik?
Speaker 3: Yeah, one hundred percent. I think kind of taking a
Speaker 3: step back to look at your priorities because you know,
Speaker 3: you said, does it ever end? And I mean the
Speaker 3: short answer is no. I think as humans, we achieve
Speaker 3: something and then we go, what's the next thing? Where
Speaker 3: are we going? What are we doing? So, like you said, gee,
Speaker 3: making sure that you're taking time to celebrate and where possible,
Speaker 3: making room in your budget for little wins and celebrations
Speaker 3: for yourself, but also kind of going Okay, well, I've
Speaker 3: just achieved this big goal, I've got my next one.
Speaker 3: What does that timeline look like for me? Do I
Speaker 3: want to push it out a little bit further so
Speaker 3: that I can enjoy my life more comfortably on the
Speaker 3: way there, or is it something that I want to
Speaker 3: tackle urgently. Is it a debt, because if so, you're
Speaker 3: paying interest, maybe you want to look at doing that
Speaker 3: sooner rather than later. Or is it, you know, a
Speaker 3: goal that I can afford to stretch out a bit
Speaker 3: so I can enjoy the journey there a little bit more.
Speaker 3: Because yeah, like we will always theoretically have a goal.
Speaker 3: I think if you don't have a goal, you'd probably
Speaker 3: be feeling a little bit aimless and going, oh, well,
Speaker 3: what am I doing?
Speaker 2: I'm just floating along?
Speaker 3: So, yes, you will always have a goal, and you
Speaker 3: probably will always be working towards something, and that doesn't
Speaker 3: have to be a bad thing as long as you're
Speaker 3: taking the time to enjoy yourself as well. One hundred percent.
Speaker 3: I think just judging from our listener's voice as well,
Speaker 3: I'm probably honed into the tone and the voice. It
Speaker 3: sounds like she is quite young, so I wouldn't be
Speaker 3: putting too much pressure on myself in my early twenties
Speaker 3: to achieve all of these things when you do have
Speaker 3: the rest of your life to be doing that. In
Speaker 3: saying that it is so important that you have those goals,
Speaker 3: and well done to you for having them, but I
Speaker 3: would also suggest perhaps breaking them down into smaller goals.
Speaker 3: It's hard because we don't know what you've got lined up.
Speaker 3: You did say that they are larger goals, so maybe
Speaker 3: like a house deposit, maybe paying off your car, things
Speaker 3: like that. But maybe if you set like monthly saving
Speaker 3: goals to hit those larger goals, and treating yourself when
Speaker 3: you hit those smaller goals along the way could be.
Speaker 2: Helpful, almost like a personal KPI.
Speaker 3: Yes, save your corporate I want to hit this thing,
Speaker 3: and when I hit this thing, I get to go
Speaker 3: on a really nice dinner, or I get to go
Speaker 3: and you know, purchase something that I've really had my
Speaker 3: eye on, or save up towards that I don't forget.
Speaker 3: If you are working towards a goal, you don't have
Speaker 3: to be putting one hundred percent of everything towards it.
Speaker 3: And again, like you said, it's a little hard because
Speaker 3: we don't know what exactly the outcome is here. But
Speaker 3: if you're saving for a house deposit, for example, you
Speaker 3: can have your big house deposit account that you know
Speaker 3: a large portion of your savings are going towards. But
Speaker 3: you can also have a smaller account that you're allocating
Speaker 3: for a holiday or you know, for some new clothes
Speaker 3: or an adventure that you want to have, or you know,
Speaker 3: whatever motivates you. You don't have to be all or nothing.
Speaker 3: You can actually do a couple of things at once.
Speaker 3: But it ultimately does come down to how much you
Speaker 3: value that thing that you're working towards versus the other thing.
Speaker 3: And that's kind of how you can break it down
Speaker 3: and maybe make it a little bit more fun.
Speaker 2: Yeah, is that how you manage your money?
Speaker 3: Jbrid Yeah, as everybody knows, Like, my house deposit is
Speaker 3: my big thing right now, which is where most of
Speaker 3: my money is going. But like I said last week,
Speaker 3: I am reallocating some of those funds this month because
Speaker 3: I'm going away on a girl's trip with VD and
Speaker 3: so for me, I decided that I valued that and
Speaker 3: I rearranged my I guess savings schedule. If you will
Speaker 3: for the month and decided that that trip was going
Speaker 3: to be a priority for me because I have worked
Speaker 3: really hard and it has been a long time since
Speaker 3: I've done something like that, and I did have to
Speaker 3: remind myself not to feel guilty about it. Yeah, because
Speaker 3: you do get really set in you know, this goal
Speaker 3: is the be all and end all, and I must
Speaker 3: do everything that I can to get there. And that
Speaker 3: mindset can be really powerful, but it can also lead
Speaker 3: to burnout exactly. And so if you're not celebrating and
Speaker 3: making those little allowances and being gentle and kind to yourself,
Speaker 3: then you probably will end up feeling a bit icky
Speaker 3: about them. Yeah.
Speaker 2: We also did do an episode on spending guilt, which
Speaker 2: could be a good one for this great cool listen
Speaker 2: to well loveily chatting with you as always, Jessica through
Speaker 2: g I believe it will be you and I on Monday.
Speaker 3: It's really a week of firsts. Due Wednesday, deep first
Speaker 3: Monday Money. It's very exciting. It's a good ear so.
Speaker 2: Yeah, keep your ears peeled exactly right. Time to rup
Speaker 2: the boring but important stuff. Take it away.
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Speaker 2: it really does. Did I just well up a little bit?
Speaker 2: Yes on that tender note. Have a good weekend. Bye guys,