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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 2: Hello, and welcome to She's on the Money, the podcast

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Speaker 2: the millennials who want financial freedom. Today, my friends, guess

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Speaker 2: what day it is. It's Friday, which means it is

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Speaker 2: time to get my little team together and celebrate you

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Speaker 2: ow incredible. She's on the Money community today, msters greed.

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Speaker 2: She She's gonna be sharing her favorite money wins from

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Speaker 2: the community. There has some pretty good bawler broke tips.

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Speaker 2: I'm excited for them this week, and we're going to

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Speaker 2: be helping to answer a juicy money dilemma which this

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Speaker 2: week is all about supporting a savings mindset, and we're

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Speaker 2: also going to be unpacking a spicy a DM which

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Speaker 2: this week is all about keeping up with the ever

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Speaker 2: increasing cost of living. When I said spicy, I didn't

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Speaker 2: mean dramatic. I mean just like it feels really awful

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Speaker 2: in your mouth. Rising cost of living hate. But that

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Speaker 2: was way too realistic. Nobody needs that in their lives

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Speaker 2: on a Friday. Our community deserve better than that. Beck

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Speaker 2: sounded wet, not okay. When I'm going to do a

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Speaker 2: fake from it, I'm going to commit. No, I'm committed.

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Speaker 2: We're not committed. We're not committed. You sit in the

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Speaker 2: corner and think about what you've done this disc How

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Speaker 2: has your week been. It's been really good.

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Speaker 4: I put up my tree this week. Finally, very exciting

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Speaker 4: and more excitingly, today we started our twelve days of

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Speaker 4: giveaways on Instagram.

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Speaker 2: Like so fun. We've got Sony brands that I've given

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Speaker 2: us stuff to give away, but like it's good stuff. Bick,

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Speaker 2: Oh my gosh, that's exciting.

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Speaker 4: We run this last year. It's really good. We've got

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Speaker 4: some stuff from some incredible brands and it's just a

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Speaker 4: fun way to say thank you to you guys for listening.

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Speaker 4: We so appreciate it and we know we couldn't do

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Speaker 4: it without you, And especially with this year being such

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Speaker 4: a tough year for a lot of people, we thought,

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Speaker 4: you know, anything we can do to hopefully make some

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Speaker 4: people's days would be awesome. So if you're not following

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Speaker 4: us on Instagram, head over because every other day, starting today,

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Speaker 4: we are giving away a fabulous present and I'm not

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Speaker 4: going to give it away. So if you want to

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Speaker 4: know what it is, here you go. Look, I'm not

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Speaker 4: going to give away the giveaway.

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Speaker 2: Gosh eck, your week being week has been so great.

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Speaker 2: You haven't stopped talking about the free red rooster you

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Speaker 2: got on Tuesday. Red rooster that's not sponsored. She just

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Speaker 2: got free red rooster.

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Speaker 1: Yeah.

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Speaker 2: Vibes are high this week, you guys.

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Speaker 4: It's Christmas y Christmas.

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Speaker 5: Totally Christmas party and our producers.

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Speaker 2: And Alisa is back from her tour of the States

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Speaker 2: with her.

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Speaker 5: Band Thario Lotharioario Lithario.

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Speaker 2: Also, I brought Christmas crack into the studio for our

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Speaker 2: Friday Drinks episode today. Jess had had it before, but

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Speaker 2: it had been at least twelve months since she had it.

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Speaker 2: Had never had it before. So good. It's so so good.

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Speaker 2: I feel like I promised you on last week's episode

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Speaker 2: that I would make it for you, because you kind

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Speaker 2: of side eyed me when I said to make Christmas

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Speaker 2: crack and you were like, hey, it's not family friend,

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Speaker 2: probably not how I would celebrate my Christmas Victoria, And

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Speaker 2: I was like, I'll make it for you. And then

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Speaker 2: when I explained to you that it's made of soladas,

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Speaker 2: you were like, I don't know if I want it.

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Speaker 2: Do you want it now?

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Speaker 5: I do want it now, maybe more than what I

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Speaker 5: initially thought it was.

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Speaker 4: Yeah, oh you know what I mean.

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Speaker 2: But it's good and it's cheap and you can make

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Speaker 2: it and gift it to people. It's just it's a

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Speaker 2: very wholesome, cheap present. Do you have people or just

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Speaker 2: have in your house at Christmas time? I love it.

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Speaker 4: Yeah, And if you want to make it, there's a

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Speaker 4: real on our Instagram from last year from when we

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Speaker 4: made it.

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Speaker 2: Well, repost that on stories today and probably post another

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Speaker 2: recipe so that it's really easy to get. But also

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Speaker 2: thanks for asking me how week? Certainly good? Thanks for

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Speaker 2: asking I made Christmas crack. I decorated my Christmas Tree

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Speaker 2: with Jesse Gotria Chi.

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Speaker 4: It was very fun.

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Speaker 2: But last Friday's episode we pre recorded because we had

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Speaker 2: to fly to Sydney for the Australian Podcast Towards and

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Speaker 2: Jess was like, oh, like, if you're listening to it,

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Speaker 2: we don't know if we've won yet. Jess, what happened

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Speaker 2: last week?

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Speaker 6: We would?

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Speaker 4: He would so exciting. We are the fat business podcasts

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Speaker 4: in the whole country.

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Speaker 2: Yeah. At the Australian Podcast Awards, which was so cool,

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Speaker 2: and Jess and I like we were sitting together kind

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Speaker 2: of watching the screen and they go through, like you know,

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Speaker 2: all of the people that are you know, up for

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Speaker 2: the award, and I was like, Mark Boris is in this.

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Speaker 2: If you don't know who Mark Boris is, he's big dog.

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Speaker 2: Like his podcast is very good. I listened to it.

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Speaker 2: I love it. There was you know my Millennial Money

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Speaker 2: who is one of my friends, Glenn James, and he's

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Speaker 2: just so good at podcasting. He's been doing it longer

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Speaker 2: than me, and like he just gets it and he

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Speaker 2: has a number of shows. And I was like, oh, like,

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Speaker 2: we don't stand a chance here. And then when we won,

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Speaker 2: Jess and I just looked at each other like wait what,

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Speaker 2: and then we screamed and then we went up and

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Speaker 2: it's probably the funniest video ever. It's obviously on our Instagram.

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Speaker 2: You can go and see it if you haven't seen it.

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Speaker 2: But everybody else was kind of like de mirror and

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Speaker 2: wearing these beautiful gowns and like going up and accepting

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Speaker 2: their award and being like thank you. Photo and Jess

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Speaker 2: and I like bouncing up.

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Speaker 4: They got so excited. She just did a move.

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Speaker 2: I was scared. It was so funny. Like We're in

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Speaker 2: this really big room. There's hundreds of people, and there's

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Speaker 2: like rows of seats right and Jess and I are

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Speaker 2: sitting like maybe five rows back from the front, and

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Speaker 2: you know, because genuinely, I was like, Oh, it doesn't

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Speaker 2: matter if we're like not on an end or like

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Speaker 2: at the front. I don't think we're gonna win, Like

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Speaker 2: we're not gonna have to get up. We did, and

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Speaker 2: then my pregnant butt had to like squeeze through everybody,

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Speaker 2: and I was like, regret, anyway, Beck, where were you sitting?

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Speaker 2: I was right out the front, So like, was there

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Speaker 2: anything in your way from coming up and accepting the award?

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Speaker 1: Well?

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Speaker 2: Anxiety anxiety I didn't know. I didn't know what the

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Speaker 2: protocol was. I was like, it's my first time here,

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Speaker 2: and like Jess and I like waving at that, being

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Speaker 2: like come up, come up, and she's just waving back,

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Speaker 2: and I was like a friend of your guys. I

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Speaker 2: was like, oh, hello, and like it moved so quickly

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Speaker 2: that we're obviously, yeah, that's the thing moved so quick.

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Speaker 2: He was like, it's so funny though, and like are

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Speaker 2: we coming off the stage? And I'm like, back, where

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Speaker 2: are you? Like this was us and I'm so sorry,

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Speaker 2: and You're like I didn't think it was us, and

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Speaker 2: I'm like it's the scream. But honestly, like, this isn't

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Speaker 2: the first time I'm going to win something. So next time, Audacious,

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Speaker 2: we're gonna win again.

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Speaker 4: We're gonna have to nominate and give us an award

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Speaker 4: so Beck can have her time to shine on stage.

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Speaker 2: Next time we are nominated for an award, I'm not

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Speaker 2: going up. Beck is doing a thank you speech. Oh wow, okay,

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Speaker 2: I can do that. I can do that. I'll make

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Speaker 2: you proud. All right, thank you, Thanks, let's move on. Obviously,

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Speaker 2: massive thank you to the community for always supporting us,

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Speaker 2: because without you guys, we'd literally not be anywhere, especially

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Speaker 2: winning awards, Like we're very proud of this one. I

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Speaker 2: feel like this is one of those ones where it's

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Speaker 2: a big deal in our industry, like and so for

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Speaker 2: us is like it's massive, Like for us, we're celebrating

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Speaker 2: so much. So thank you for all your support. But

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Speaker 2: back to the community, because that's what this episode is about.

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Speaker 2: Mister Scarci, wins have you pulled out to share with us?

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Speaker 4: Firstly, I've got one from Diana who said money win.

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Speaker 4: I did a fun little experiment and decided to collect

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Speaker 4: bottles and cans and invest the money I get from

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Speaker 4: them into Pepsi stock. A bit over three months later,

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Speaker 4: I have more than enough to get one free zero

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Speaker 4: point five leader Pepsi maxi yea from my Dividends Go

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Speaker 4: You Wore, which is actually so funny and very specific.

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Speaker 2: And Pepsi Max is like Jess's favorite.

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Speaker 4: This is really selfish because I just feel like Diana

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Speaker 4: is my people, because I'm all over the bottle recycling

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Speaker 4: and Psi Max.

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Speaker 2: Okay, okay, so Jess, do you want to share with

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Speaker 2: the community what you did at my house the other day?

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Speaker 2: I'm just throwing it straight onto the bus. Beck you

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Speaker 2: ask her to be like, what did you do at

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Speaker 2: V's house? Hey, Jess, what did you have Vita?

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Speaker 4: She served me a lovely beverage a coke, a Chrispy coke,

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Speaker 4: and I said, can I take my can and your

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Speaker 4: can home so I.

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Speaker 2: Can recycle it? And then I was like, do you

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Speaker 2: want me to start collecting my cans and giving them

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Speaker 2: to you? And she said yes, So now I'm collecting

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Speaker 2: all of my so Jess can take them to the

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Speaker 2: recycling depot. That's cue. It's a good friend. That is

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Speaker 2: a really good friend. It's just really funny. She's like,

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Speaker 2: don't put that in the bin.

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Speaker 4: And I was like, I get.

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Speaker 2: That's I'll do the same. Look, I've got a can here,

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Speaker 2: I'll take it. Yeah, we're going to give it to Jess.

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Speaker 4: I kind of like Diana's idea, like I want to see,

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Speaker 4: like could I make a thousand dollars to invest because

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Speaker 4: if I could do it in the community, could do it?

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Speaker 2: Do you know what I mean? Absolutely, you are now

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Speaker 2: the guinea pig. You have to make a thousand dollars

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Speaker 2: and it has to get invested.

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Speaker 4: Done, We'll document it, will see a good deal what next. Next,

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Speaker 4: I've got a money win from Dana, who said I've

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Speaker 4: been eyeing off the dice and air rap for ages

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Speaker 4: atal waited for the Black Friday sales. I managed to

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Speaker 4: get one price matched through the Good Guys and I

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Speaker 4: used a student discount and I got the whole blue

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Speaker 4: blush version, which is like the new colourway color, for

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Speaker 4: four hundred and seventy five dollars.

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Speaker 2: Or that's a good deal. For context, they're nearly nine

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Speaker 2: hundred dollars. I see, see, that's a very good deal.

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Speaker 4: Stacking them up, well done done.

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Speaker 2: And I am obsessed with my dice in it wrap,

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Speaker 2: like I can't tell you how obsessed I am. It's

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Speaker 2: the only hair toool that I will use. I mean,

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Speaker 2: it does seem WORTHDS love it and the hair tool

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Speaker 2: that works in my house, So don't know.

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Speaker 4: What that says. Next, I want a money in from Mary,

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Speaker 4: who said I made some purchases last week prior to

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Speaker 4: Black Friday and was disappointed to see most of the

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Speaker 4: items went on sale. I reached out to the retailers

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Speaker 4: and rather than have the hustle of returning and repurchasing,

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Speaker 4: they just refunded the difference back onto my method of purchase.

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Speaker 4: These were Christmas items that I had budgeted for, So

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Speaker 4: I'm counting that as a money win.

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Speaker 2: Overall, massive money.

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Speaker 4: If you don't ask, you don't get. We love that

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Speaker 4: for you. Well done, Mary. Next, I've got a money

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Speaker 4: win from Kest, who said, I love Christmas, but I

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Speaker 4: do not love how expensive some decorations are.

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Speaker 2: Oh same, girlfriend, feel that in my cy why are

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Speaker 2: you more than ten dollars? Like, obviously they can be

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Speaker 2: exorbitantly expensive, but in my head Christmas decoration that's under

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Speaker 2: ten dollars. I wanted to talk to.

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Speaker 4: A stick like a tree stick, a stick of with

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Speaker 4: some berries on. It's a little reper stick with some berries. Yeah,

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Speaker 4: it doesn't sound like it would be super expensive. Doesn't

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Speaker 4: even sound you see I decorate my tree with me.

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Speaker 2: Beg confused as to why she wanted to buy stick

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Speaker 2: with some berries on it.

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Speaker 4: Yeah, it goes to the vibe. Just how much was

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Speaker 4: it I wanted to I didn't buy it with eighteen dollars.

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Speaker 2: Absolutely stick with some berries, stick with some berries on it.

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Speaker 4: Literally, I was like, not today, Satan, sorry, but you

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Speaker 4: have one st I found it more affordable. Oh okay, thankfully,

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Speaker 4: But Test said I've started making my own pomp pom decorations,

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Speaker 4: and she's made these really cute little wreaths she put

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Speaker 4: a photo in or those are cute cue and I

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Speaker 4: feel like that would be a really simple dare wife,

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Speaker 4: you know, the old the school pompom method, the string

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Speaker 4: around the thing and cut it and then you would

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Speaker 4: just I think she's glued the pomp poms to the wreath,

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Speaker 4: So it's a pretty simple day wife. Probably very kid

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Speaker 4: friendly too true.

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Speaker 2: Just do you want to come to my house and

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Speaker 2: make pomp poms?

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Speaker 4: I got cute.

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Speaker 2: You're invited too, But I think you'd be like, why

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Speaker 2: am I coming to make pomp poms? It's not for me?

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Speaker 2: That's okay, Well hold on, let's make it. Let's make

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Speaker 2: it for beck. They'll be free food. Okay, yeah me up.

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Speaker 4: But I look awesome, very well done. Test. They're beautiful

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Speaker 4: and could be a fun protect for somebody else like

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Speaker 4: jessin Victoria. Yeah, stay tuned to see us make our

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Speaker 4: own next. I've got money in from Ali who said

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Speaker 4: money win. If you're with Origin Energy, you can get

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Speaker 4: movie tickets for forty percent off what I went and

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Speaker 4: saw the New Hunger Games with my partner at our

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Speaker 4: local hoints and tickets only cost us thirty five dollars.

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Speaker 2: Oh that's a money.

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Speaker 4: We sign up for the rewards too, because I think Village.

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Speaker 4: I remember with Village and you get like half price

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Speaker 4: tickets during the week or something.

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Speaker 2: So is it just me? Or is thirty five dollars

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Speaker 2: still really expensive to go to movies? In my head?

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Speaker 2: Fifteen dollars day? Yeah? Is it?

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Speaker 5: Ye?

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Speaker 4: It's about so expensive to go to the cinemer.

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Speaker 2: My brain has not caught up with the cost of

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Speaker 2: living crisis we're currently in. It just hasn't caught up.

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Speaker 2: It's like inflation is hitting ice creams at McDonald's in

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Speaker 2: my head, fifty cents still thirty cents even, Oh yeah,

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Speaker 2: but fifty cents because they've gone up for us. But

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Speaker 2: also they're not I know, I'm just optimistic at best. Yeah.

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Speaker 2: It was very depressing.

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Speaker 4: The thinks about well, how about this last money win?

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Speaker 4: Then from Beck who said, it's my birthday day and

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Speaker 4: I got some birthday freebies. Oh, happy birthday, Happy birthday.

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Speaker 4: Be We've got to get Krispy Kreme and a boost.

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Speaker 2: Oh yeah, because you get both of those free on your.

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Speaker 4: Birthday and I thought maybe we could pop a little

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Speaker 4: post up during the week. In the next week, let

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Speaker 4: us know what you got for free on your birthday.

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Speaker 4: Maybe we'll compile a list and make it a post.

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Speaker 2: For you that would actually make a really good Instagram post. Two. Yes,

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Speaker 2: so we'll like get the list from the community free

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Speaker 2: things that you can get, and then we'll make a

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Speaker 2: list that you can save and go back to when

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Speaker 2: it's your birthday or sign up to everything so that

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Speaker 2: they all compiling in on your birthday.

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Speaker 4: Yeah, head to the Facebook group, let us know we

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Speaker 4: got free and we'll make a little post week genius

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Speaker 4: doing the Lord's work.

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Speaker 2: Yeah, at the very least doing the Lord's work. Is

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Speaker 2: that it, Jessica, I got this fantastic. It is time

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Speaker 2: to move on to Beck's broke Tips. Beck, what do

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Speaker 2: you bring into the table this week? Okay, are you

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Speaker 2: guys ready? I thought more than ready.

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Speaker 5: Okay, amazing, amazing. Obviously each week I do two from

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Speaker 5: the community, one for myself. So the first community broke

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Speaker 5: tip comes from two who says, coming back from holiday

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Speaker 5: will make you feel a little bit broke, which is,

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Speaker 5: you know, totallyable as well. So to offset that, do

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Speaker 5: the friends thing. I'm not a friend's watcher, but I'm

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Speaker 5: sure this will probably relate to some people. But take

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Speaker 5: what you are entitled to in the hotels that are

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Speaker 5: like little butters, like bits of like you know, condiments,

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Speaker 5: hair tyres, shavers, chowonette's, toothbrushes, anything can get your hands

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Speaker 5: on all the bathroom necessities. And these are like things

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Speaker 5: that you know you might even get just one use

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Speaker 5: out of.

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Speaker 2: But if you collect it all and you.

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Speaker 5: Just happen to I love taking train with you, then

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Speaker 5: honestly it will save money in the long run. Even

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Speaker 5: if it's a couple bucks here and there, you're still

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Speaker 5: saving money. Which if you're broke, you don't care what

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Speaker 5: your hair ti is coming out, if you don't care

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Speaker 5: what your little butter's coming out of you, Just so.

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Speaker 2: You know, you're just like Sligh, I've got butter. I

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Speaker 2: didn't have it before, did I Exactly right?

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Speaker 4: If you go somewhere that has like something that's package nized.

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Speaker 4: Do you remember this when we went to Monaco the mustard, Yeah,

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Speaker 4: we stole all the must cute little chat I gave

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Speaker 4: them away Sudanik.

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Speaker 2: I used that so us can we afford to buy souvenirs. Yes,

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Speaker 2: will we know?

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Speaker 4: They were delicious, Like they were known for what is

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Speaker 4: the type of mustard?

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Speaker 2: I think it was like a Dijon mustard. Yeah, like

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Speaker 2: it was like they used it there everywhere, like it

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Speaker 2: was it was very French. Oh yeah, they were delicious

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Speaker 2: and they can these beautiful little jars and so literally

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Speaker 2: every breakfast, I would just take five. Yeah, no, she would,

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Speaker 2: and then she would make me hold them as well.

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Speaker 2: She said, you've got to curry some these don't fit.

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Speaker 4: Yeah, you've got purse put them in there, good and

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Speaker 4: then you.

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Speaker 2: Save money on buying giddy.

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Speaker 4: I was like, they're the perfect little thing. They were

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Speaker 4: actually delicious.

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Speaker 2: It was like the time I went to a fancy

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Speaker 2: hotel and they had ASoP like all of the bathroom.

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Speaker 2: Like not only did I take them, I hid them

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Speaker 2: from housekeeping each day by putting them in my suitcase

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Speaker 2: so that they'd have to replenish them so I'd be

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Speaker 2: like double. But I was asked the other day by someone.

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Speaker 2: They were like, oh, I never take the stuff from

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Speaker 2: the hotel because I'm never going to use it. And

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Speaker 2: I was like, they're so good for travel. One, they're

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Speaker 2: good for travel, but also I would actually advocate still

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Speaker 2: hoarding those things, like if you go on a holiday

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Speaker 2: and you've got some additional amenities or toilet trees that

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Speaker 2: you could pick up. My favorites are like where they

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Speaker 2: have the individually wrapped toothbrushes and stuff because share the

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Speaker 2: dignity each year do there it's in the bag campaign,

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Speaker 2: or you get an old handbag, or you go to

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Speaker 2: the op shop and buy a bag, or you could

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Speaker 2: just put it in any bag and you feel it

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Speaker 2: full of a heap of like toilet trees and useful

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Speaker 2: things for women going through situations where they might not

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Speaker 2: have those, And so for me, I just hold them.

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Speaker 2: I have a plastic container in my room and I

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Speaker 2: just like dump it in there. And then when these

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Speaker 2: it's in the bag campaigns happen, I just like basically go,

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Speaker 2: I have so much stuff. The same thing is true

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Speaker 2: for like you know in Priceline does they're like, ah,

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Speaker 2: they do a big sample bag. So like if you

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Speaker 2: spend like sixty five dollars in store, you get this

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Speaker 2: massive sample bag and that's cool. You can read it

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Speaker 2: and take all your favorite things. But let's be honest,

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Speaker 2: you don't use everything sure, So like save the bag,

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00:16:54,080 --> 00:16:57,160
Speaker 2: save the product, and donate it to somebody who needs it. Yeah.

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Speaker 4: I love that idea.

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Speaker 2: I love that idea. It's really cute. That's great, especially

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Speaker 2: coming Christmas time. V what a great idea. Exactly what

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Speaker 2: else have you got back?

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Speaker 5: Okay, so this next one comes from Soften, who has

386
00:17:08,480 --> 00:17:11,879
Speaker 5: said that her and him mum kind of are susceptible

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Speaker 5: to sensitive and acne prone skin. So what could do

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00:17:16,480 --> 00:17:21,240
Speaker 5: is exactly so they do have products that are prescribed

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Speaker 5: by a dermatologist.

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Speaker 2: Expensive. Yeah, and so with this this is.

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Speaker 5: Probably something that maybe a lot of us already do,

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Speaker 5: but it is a good refresher for me. It was

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Speaker 5: at least as well, because if you get to the

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Speaker 5: bottom of a product and it's you can't physically squeeze

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Speaker 5: anymore out all of us. I think I feel like

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Speaker 5: most of us will chuck it out.

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Speaker 2: But instead, what you could do you just.

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Speaker 5: Cut that bad boy over. Yeah, of course, maybe mix

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00:17:48,600 --> 00:17:50,800
Speaker 5: it with a little bit of water. Yeah, absolutely, you've

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00:17:50,800 --> 00:17:52,600
Speaker 5: got I'm gonna.

401
00:17:52,280 --> 00:17:55,679
Speaker 2: Say, at least like a quarter bottle left, you know

402
00:17:55,680 --> 00:17:56,160
Speaker 2: what I mean?

403
00:17:56,560 --> 00:17:58,119
Speaker 4: Total crevices.

404
00:17:58,160 --> 00:18:01,800
Speaker 2: The crevices really get in there. And like someone who

405
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Speaker 2: loves skincare, I am always breaking open the package. I

406
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Speaker 2: did not pay this much to not use the whole

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00:18:06,600 --> 00:18:07,320
Speaker 2: thing totally.

408
00:18:07,480 --> 00:18:10,920
Speaker 5: Toothpaste as well, like any product you have, and do

409
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Speaker 5: you guys do that with the shampoo in your shower.

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Speaker 2: Put a little bit of water. Feel like at the

411
00:18:16,200 --> 00:18:18,840
Speaker 2: start of the shampoo bottle, I'm like squeezing heaps out

412
00:18:18,880 --> 00:18:20,399
Speaker 2: and then it starts to get real loan, and then

413
00:18:20,440 --> 00:18:22,080
Speaker 2: I'm like a little bit more frugal. Then it gets

414
00:18:22,119 --> 00:18:23,920
Speaker 2: real low and I'm like shaking it up with water

415
00:18:24,000 --> 00:18:26,439
Speaker 2: and using it sparingly, and I'm like, why can't I

416
00:18:26,480 --> 00:18:27,200
Speaker 2: be consistent?

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00:18:27,480 --> 00:18:30,720
Speaker 5: I know, I know, but that's basically what often suggests,

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00:18:30,720 --> 00:18:33,239
Speaker 5: which is great, especially if you are spending a lot

419
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Speaker 5: of money on Dermatologically tested and prescribed products get quite expensive.

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Speaker 2: So if you're getting scripts, please make sure you're going

421
00:18:42,840 --> 00:18:48,480
Speaker 2: to the discount chemists. Yes, please get a generic smart

422
00:18:48,760 --> 00:18:52,640
Speaker 2: work smarter, not harder. Exactly exactly, Beck, what's your broke tip?

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Speaker 1: So?

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Speaker 2: My one? This is one that I do with my

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Speaker 2: best friend Olivia. I always talk about it when we're sick.

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Speaker 5: What we do for each other is we'll make like

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00:18:59,560 --> 00:19:04,160
Speaker 5: the cheapest ever chicken soup, which is literally hot.

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00:19:03,960 --> 00:19:07,800
Speaker 2: Water you know Misseell's chicken stock. Ye, great chicken stock.

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Speaker 2: It's also vegan.

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Speaker 5: It's also vegan, but it's the tastiest chicken stock I've

431
00:19:11,920 --> 00:19:15,159
Speaker 5: ever had. And because it's so full of flavor, you

432
00:19:15,200 --> 00:19:17,040
Speaker 5: don't have to use much, so I'll use a tea

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Speaker 5: spoon in a mug.

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Speaker 2: Oh yeah, I may broad and drink that when I'm

435
00:19:20,640 --> 00:19:23,280
Speaker 2: not well too. Yes, and then frozen veggies, and that

436
00:19:23,359 --> 00:19:25,560
Speaker 2: is I don't even do the frozen veggies. I'm just

437
00:19:25,600 --> 00:19:27,919
Speaker 2: out here drinking chicken stock. Yeah, I do.

438
00:19:28,119 --> 00:19:30,119
Speaker 5: I often do, just drink the chicken stock. But I'm like,

439
00:19:30,240 --> 00:19:33,360
Speaker 5: if I want some maybe some more nutrition, would.

440
00:19:33,119 --> 00:19:34,719
Speaker 2: You put any light noodles in it? Or is that

441
00:19:34,760 --> 00:19:36,000
Speaker 2: too fancy? This is optional.

442
00:19:36,080 --> 00:19:38,560
Speaker 5: You can do rice, you can do noodles if you

443
00:19:38,600 --> 00:19:40,280
Speaker 5: have the budget for that, if you don't, if you

444
00:19:40,440 --> 00:19:44,760
Speaker 5: literally just living by I don't know, two cents a

445
00:19:44,800 --> 00:19:45,360
Speaker 5: week or whatever.

446
00:19:45,359 --> 00:19:47,560
Speaker 2: But it's also really wholesome, Like when you're not whole,

447
00:19:48,000 --> 00:19:50,440
Speaker 2: like and you're laying in bed and you just feel

448
00:19:50,480 --> 00:19:53,520
Speaker 2: like trash hot drink, like swapping it out for tea,

449
00:19:53,600 --> 00:19:56,240
Speaker 2: it just feels so much more nourishing. It feels really good. Yeah,

450
00:19:56,280 --> 00:19:57,879
Speaker 2: and it is really really good for you.

451
00:19:58,040 --> 00:20:01,480
Speaker 5: So yeah, I would recommnd it's less than eight dollars

452
00:20:01,640 --> 00:20:03,760
Speaker 5: and that will last for.

453
00:20:03,720 --> 00:20:06,240
Speaker 2: The whole tin. Yeah, Like it goes.

454
00:20:06,040 --> 00:20:08,560
Speaker 5: On four dollars, and then the frozen veggies can be

455
00:20:08,640 --> 00:20:11,200
Speaker 5: up to like four dollars as well, so that will

456
00:20:11,240 --> 00:20:13,600
Speaker 5: last you, honestly one, two, three weeks.

457
00:20:13,640 --> 00:20:15,800
Speaker 2: Maybe that's something you should actually pick up, like if

458
00:20:15,840 --> 00:20:18,040
Speaker 2: you see it on sale, because it's usually like four bucks.

459
00:20:18,080 --> 00:20:20,840
Speaker 2: So like tin you set on sale. That's one thing

460
00:20:20,840 --> 00:20:23,440
Speaker 2: I reckon everyone should have in their pantry as kind

461
00:20:23,480 --> 00:20:26,880
Speaker 2: of like a staple totally, like especially them a seal

462
00:20:26,960 --> 00:20:30,160
Speaker 2: one because it's vegan, so it means that basically any

463
00:20:30,200 --> 00:20:32,320
Speaker 2: of your guests can have it. You can have it,

464
00:20:32,359 --> 00:20:35,760
Speaker 2: but like pop with some rice, you've got a very

465
00:20:35,840 --> 00:20:39,240
Speaker 2: cheap rosotto, Yes, yes, absolutely, but in a cup you

466
00:20:39,320 --> 00:20:42,160
Speaker 2: have chicken soup. I live and die by this stock.

467
00:20:42,200 --> 00:20:45,800
Speaker 2: It is delicious being sponsored by them if they don't

468
00:20:45,800 --> 00:20:47,960
Speaker 2: need to pay for this, we already stand you. That's

469
00:20:48,119 --> 00:20:50,800
Speaker 2: right exactly. Oh my gosh, I love that. Alright, let's

470
00:20:50,800 --> 00:20:53,320
Speaker 2: go to a really quick break because on the flip side,

471
00:20:53,320 --> 00:20:55,880
Speaker 2: we're going to talk about supporting a savings mindset, which

472
00:20:55,880 --> 00:20:58,520
Speaker 2: I think is really important and probably a good reminder

473
00:20:58,600 --> 00:21:00,720
Speaker 2: because we're about to go into a new year. But

474
00:21:00,760 --> 00:21:03,560
Speaker 2: then we're also going to be talking about you slipped

475
00:21:03,560 --> 00:21:05,760
Speaker 2: into our dms this week, and this one resonated with

476
00:21:05,880 --> 00:21:09,959
Speaker 2: us keeping up with the ever increasing cost of living guys,

477
00:21:10,080 --> 00:21:10,960
Speaker 2: don't go anywhere.

478
00:21:15,720 --> 00:21:18,320
Speaker 4: Welcome back, everybody. Let's take a listen to the money

479
00:21:18,400 --> 00:21:19,160
Speaker 4: dilemma for the week.

480
00:21:21,280 --> 00:21:23,639
Speaker 2: Hi. There, have you got a money dilemma you just

481
00:21:23,680 --> 00:21:26,200
Speaker 2: can't solve? The She's on the Money team is here

482
00:21:26,240 --> 00:21:29,480
Speaker 2: to help. Every week we tackle your dilemmas, both big

483
00:21:29,520 --> 00:21:32,240
Speaker 2: and small, to answer your most burning money, career and

484
00:21:32,320 --> 00:21:35,480
Speaker 2: life questions. To get involved, simply head to our website

485
00:21:35,520 --> 00:21:37,640
Speaker 2: and leave us a short voice recording and you might

486
00:21:37,720 --> 00:21:40,240
Speaker 2: just find yourself on the show. Now, let's take a

487
00:21:40,280 --> 00:21:45,919
Speaker 2: listen to this week's money dilemma. Hi, She's on the

488
00:21:45,960 --> 00:21:46,840
Speaker 2: Money Team.

489
00:21:47,119 --> 00:21:49,400
Speaker 6: My partner and I are going to Europe for six

490
00:21:49,440 --> 00:21:52,320
Speaker 6: weeks and the trips are about six months. We've both

491
00:21:52,359 --> 00:21:54,159
Speaker 6: been saving really really hard to make sure that we

492
00:21:54,160 --> 00:21:57,159
Speaker 6: can afford it, but with holiday season just around the corner,

493
00:21:57,240 --> 00:21:58,840
Speaker 6: I really want to be able to go do date

494
00:21:58,960 --> 00:22:02,360
Speaker 6: nights and have nice and while all this fits into

495
00:22:02,400 --> 00:22:04,320
Speaker 6: my budget. I can't help get over the thought in

496
00:22:04,359 --> 00:22:06,879
Speaker 6: the back of my head that says that I should

497
00:22:06,880 --> 00:22:09,520
Speaker 6: be saving the money for Europe rather than spending it

498
00:22:09,600 --> 00:22:12,280
Speaker 6: now so that we can do something more memorable. Is

499
00:22:12,320 --> 00:22:14,119
Speaker 6: there a way that we can have the best of

500
00:22:14,160 --> 00:22:17,080
Speaker 6: both worlds or some way I can change my mindset

501
00:22:17,200 --> 00:22:19,479
Speaker 6: to make me feel less guilty about wanting to do

502
00:22:19,520 --> 00:22:20,280
Speaker 6: these nice things.

503
00:22:20,680 --> 00:22:23,480
Speaker 2: Thank you. I think this is a really good question, actually,

504
00:22:23,640 --> 00:22:25,720
Speaker 2: and I mean we want to talk about supporting a

505
00:22:25,760 --> 00:22:28,760
Speaker 2: saving's mindset, which is what that question was really about.

506
00:22:28,840 --> 00:22:31,040
Speaker 2: I mean, not all of us can go to Europe,

507
00:22:31,160 --> 00:22:34,080
Speaker 2: that would be nice, but also, what are you doing

508
00:22:34,080 --> 00:22:36,600
Speaker 2: when you get back from Europe? So I think, Jess,

509
00:22:36,600 --> 00:22:40,840
Speaker 2: you've spoken about it before ession, before you come home,

510
00:22:40,880 --> 00:22:42,119
Speaker 2: and how much do you have in your account?

511
00:22:42,160 --> 00:22:44,719
Speaker 4: Like seventy two cents so couldn't afford a chocolate bar

512
00:22:44,760 --> 00:22:45,000
Speaker 4: at THEA.

513
00:22:47,160 --> 00:22:51,280
Speaker 2: But like, obviously Jess doesn't regret that life is full living.

514
00:22:51,480 --> 00:22:52,840
Speaker 4: I was young, you were young.

515
00:22:53,080 --> 00:22:56,480
Speaker 2: You hadn't discovered cheese on the money yet, and there's

516
00:22:56,560 --> 00:22:59,240
Speaker 2: lots to it, right, But I think you're in this

517
00:22:59,400 --> 00:23:02,040
Speaker 2: great because you've just told us you're going to Europe

518
00:23:02,040 --> 00:23:04,399
Speaker 2: for six weeks. How did you save for that in

519
00:23:04,600 --> 00:23:07,080
Speaker 2: six months? Could you please slide into our DMS, Like

520
00:23:07,119 --> 00:23:09,680
Speaker 2: I want all the goss because even I can't save

521
00:23:10,240 --> 00:23:13,880
Speaker 2: for a European holiday in six months. Like that's a lot,

522
00:23:13,960 --> 00:23:18,399
Speaker 2: right euro expency. Their flights at the moment are insane. Anyway,

523
00:23:18,640 --> 00:23:21,439
Speaker 2: moving on from that, how's your budget looking when you

524
00:23:21,440 --> 00:23:24,919
Speaker 2: get home? Do you already have a good emergency fund?

525
00:23:25,240 --> 00:23:27,040
Speaker 2: What is that going to look like when you get

526
00:23:27,080 --> 00:23:29,600
Speaker 2: home and you're relying on your emergency fund while you're

527
00:23:29,600 --> 00:23:32,320
Speaker 2: on holiday. Should you be setting up an emergency fund

528
00:23:32,400 --> 00:23:34,280
Speaker 2: for the holiday that when you get home you can

529
00:23:34,320 --> 00:23:36,280
Speaker 2: go right, well, I can just check that in my

530
00:23:36,280 --> 00:23:38,920
Speaker 2: pre existing emergency fund and actually be in a really

531
00:23:38,960 --> 00:23:41,879
Speaker 2: solid financial position when I get home. What does that

532
00:23:41,920 --> 00:23:45,320
Speaker 2: actually look like? And then go, Okay, this is a

533
00:23:45,320 --> 00:23:48,480
Speaker 2: really good example, and I'm not saying it's entitled. I

534
00:23:48,520 --> 00:23:50,720
Speaker 2: totally get it, Like, if I have a holiday booked,

535
00:23:50,760 --> 00:23:52,840
Speaker 2: I still want to live my best life with my husband.

536
00:23:53,440 --> 00:23:56,600
Speaker 2: But can we have our cake and eat it too?

537
00:23:56,760 --> 00:24:00,679
Speaker 2: Like you're going to Europe? Should we be compromising in

538
00:24:00,720 --> 00:24:02,600
Speaker 2: the short term to go No? I like, I'm just

539
00:24:02,640 --> 00:24:05,520
Speaker 2: gonna wait and have an extra bougie time abroad? Or

540
00:24:05,720 --> 00:24:08,200
Speaker 2: I'm just gonna wait and you know, really live up

541
00:24:08,240 --> 00:24:11,200
Speaker 2: the experience, like what does that actually look like to you?

542
00:24:11,640 --> 00:24:13,720
Speaker 2: So for me, in the lead up to a holiday,

543
00:24:13,880 --> 00:24:16,359
Speaker 2: I'm often very frugal because I'm like, oh, I feel

544
00:24:16,400 --> 00:24:19,600
Speaker 2: guilty that I'm already spending X amount on this holiday

545
00:24:20,320 --> 00:24:23,080
Speaker 2: and coming into the summer months, so easy to have

546
00:24:23,160 --> 00:24:26,199
Speaker 2: cheap dates. Yeah, fish and chips on the beach. Like

547
00:24:26,560 --> 00:24:28,879
Speaker 2: my husband and I when we lived a bit closer

548
00:24:28,920 --> 00:24:31,359
Speaker 2: to a beach, we often would like cook our dinner

549
00:24:31,400 --> 00:24:34,000
Speaker 2: as normal Miley spoon because we've been there since twenty eighteen.

550
00:24:34,040 --> 00:24:37,200
Speaker 2: Don't worry, guys would cook our Miley Spoons, but would

551
00:24:37,280 --> 00:24:39,160
Speaker 2: put it into tubwore containers and drop in the car

552
00:24:39,200 --> 00:24:40,560
Speaker 2: and drive down to the beach and that would be

553
00:24:40,560 --> 00:24:43,680
Speaker 2: our like beach date, like big bottle of soda water

554
00:24:43,800 --> 00:24:45,879
Speaker 2: calling it a night like weeknight date, or on the

555
00:24:45,880 --> 00:24:48,000
Speaker 2: beach we're eating our dinner, we're having a really good time.

556
00:24:48,080 --> 00:24:51,119
Speaker 2: But like, life doesn't have to be expensive in the

557
00:24:51,160 --> 00:24:53,960
Speaker 2: short term. I totally get wanting date nights and stuff

558
00:24:54,000 --> 00:24:55,880
Speaker 2: like that. And if it's in line with your values.

559
00:24:56,320 --> 00:24:59,920
Speaker 2: I'm not saying no, but you're asking because I'm assumed

560
00:25:00,200 --> 00:25:02,760
Speaker 2: your feeling like you probably should be doing more and

561
00:25:02,840 --> 00:25:05,320
Speaker 2: want a bit of a direction. And that's where I'm like, Okay, well,

562
00:25:05,480 --> 00:25:08,000
Speaker 2: what's your current emergency fund to look like? Do you

563
00:25:08,119 --> 00:25:11,120
Speaker 2: have any debt right now? Because sometimes people do save

564
00:25:11,200 --> 00:25:13,200
Speaker 2: up for a holiday, but they still have debt. Could

565
00:25:13,200 --> 00:25:15,119
Speaker 2: you be smashing some more of that down before you

566
00:25:15,160 --> 00:25:18,600
Speaker 2: go on holiday, or even putting that money aside as

567
00:25:18,640 --> 00:25:20,960
Speaker 2: like a in case, and then when you get home

568
00:25:21,040 --> 00:25:23,440
Speaker 2: having a plan to smash down some more debt. What

569
00:25:23,480 --> 00:25:26,440
Speaker 2: does that look like? Just what would you do? I mean,

570
00:25:26,440 --> 00:25:28,879
Speaker 2: you've come home before from holidays with literally like seventy

571
00:25:28,920 --> 00:25:32,000
Speaker 2: cents on your account, and that's really relatable. But if

572
00:25:32,040 --> 00:25:34,240
Speaker 2: you could have your cake and eat it too, what

573
00:25:34,280 --> 00:25:35,640
Speaker 2: cake would you be eating it? And wet?

574
00:25:35,800 --> 00:25:37,639
Speaker 4: I think it just it comes down to priorities. Like

575
00:25:37,680 --> 00:25:39,600
Speaker 4: for me, if you say to hey, I'm going away

576
00:25:39,640 --> 00:25:41,520
Speaker 4: in four weeks, we could go out, you know, to

577
00:25:41,520 --> 00:25:43,720
Speaker 4: the pub once a week for date night, relatively cheap

578
00:25:43,720 --> 00:25:46,640
Speaker 4: feed call it fifty bucks, That's which.

579
00:25:46,560 --> 00:25:49,160
Speaker 2: Would be going to because that's real cheap.

580
00:25:49,800 --> 00:25:52,640
Speaker 4: I'm assuming no alcohol, Oh okay, just a pub feed

581
00:25:52,800 --> 00:25:53,840
Speaker 4: or a parma it somewhere.

582
00:25:54,119 --> 00:25:54,359
Speaker 6: Yeah.

583
00:25:54,520 --> 00:25:57,280
Speaker 2: We met in Palma you could get for like twenty

584
00:25:57,280 --> 00:26:00,800
Speaker 2: four bucks. Recon could do that kill in our DMS.

585
00:26:00,840 --> 00:26:02,359
Speaker 2: People are going to be like Pott and farmers on

586
00:26:02,400 --> 00:26:04,040
Speaker 2: my side of town at eighteen dollars. What are you

587
00:26:04,040 --> 00:26:06,920
Speaker 2: talking about, Victoria, I don't know because I've never bought

588
00:26:06,920 --> 00:26:07,639
Speaker 2: a pot and parma.

589
00:26:08,280 --> 00:26:09,679
Speaker 4: I thought you're gonna say. People are going to come

590
00:26:09,760 --> 00:26:13,360
Speaker 4: saying it's not a palmer at a PARMI I'm not having.

591
00:26:13,160 --> 00:26:14,920
Speaker 2: That conversation because it's actually a parma.

592
00:26:15,000 --> 00:26:17,840
Speaker 4: So back on track. So let's assume fifty bucks a

593
00:26:17,880 --> 00:26:20,119
Speaker 4: week on a super cheap date night feed. That's two

594
00:26:20,200 --> 00:26:21,760
Speaker 4: hundred bucks in the four weeks before you go away.

595
00:26:21,880 --> 00:26:24,640
Speaker 4: Like for me, I would rather skip the fifty dollars meal,

596
00:26:25,000 --> 00:26:26,840
Speaker 4: do something at home, and then spend two hundred bucks

597
00:26:26,840 --> 00:26:29,920
Speaker 4: on a nice dinner at the Amalfi Coast. Like for me, Jimmy,

598
00:26:30,040 --> 00:26:31,679
Speaker 4: I think if you as much as you want to

599
00:26:31,760 --> 00:26:34,800
Speaker 4: have those date nights, and I think that's so fine.

600
00:26:34,840 --> 00:26:37,120
Speaker 4: I definitely think it's worth being a bit more frugal

601
00:26:37,200 --> 00:26:39,879
Speaker 4: now and then, even if you've already budgeted for your

602
00:26:39,960 --> 00:26:42,600
Speaker 4: experiences in Europe, can you maybe make something a bit

603
00:26:42,640 --> 00:26:45,359
Speaker 4: more because like when you go away, there's things always

604
00:26:45,400 --> 00:26:47,800
Speaker 4: come up. You go, oh, like we've booked the restaurant,

605
00:26:48,280 --> 00:26:50,840
Speaker 4: but I would like to get the nice steak instead

606
00:26:50,840 --> 00:26:51,919
Speaker 4: of the salad.

607
00:26:51,760 --> 00:26:53,840
Speaker 2: That was asked when we did Europe last year. Yeah,

608
00:26:54,240 --> 00:26:56,800
Speaker 2: but I reckon we did your pretty well. Like we

609
00:26:56,840 --> 00:26:58,960
Speaker 2: did a whole heap of fancy things, so like you

610
00:26:59,000 --> 00:27:00,800
Speaker 2: might have seen on Instagram, we're gonna d to these

611
00:27:00,840 --> 00:27:04,159
Speaker 2: really nice restaurants, but in between we would often like

612
00:27:04,359 --> 00:27:06,320
Speaker 2: go to like Marks and Spencers because we're in the

613
00:27:06,359 --> 00:27:08,320
Speaker 2: UK for a lot of bits, bloody lot and it

614
00:27:08,400 --> 00:27:10,400
Speaker 2: was so good, right, and we get like the meal

615
00:27:10,480 --> 00:27:12,240
Speaker 2: deal and it'd be like a sandwich and a snack

616
00:27:12,280 --> 00:27:14,760
Speaker 2: and a drink for like a very cheap price, like

617
00:27:14,800 --> 00:27:16,640
Speaker 2: what you can kind of get a seven eleven nowadays.

618
00:27:16,640 --> 00:27:17,720
Speaker 2: You know where you go in you get like a

619
00:27:17,760 --> 00:27:19,480
Speaker 2: sandwich and a snack and a drink and you're just like,

620
00:27:19,520 --> 00:27:21,160
Speaker 2: this is a good deal, and then we go eat

621
00:27:21,200 --> 00:27:24,760
Speaker 2: it in a park and that worked so so well,

622
00:27:24,840 --> 00:27:27,120
Speaker 2: so I feel like we had this really good balance.

623
00:27:27,200 --> 00:27:28,960
Speaker 2: I can sometimes we just go to the supermarket and

624
00:27:29,000 --> 00:27:31,320
Speaker 2: buy a few deli items and share them and grab

625
00:27:31,320 --> 00:27:34,400
Speaker 2: a like a loaf of bread basically, And those were

626
00:27:34,400 --> 00:27:36,919
Speaker 2: some of my favorite lunches. Yeah, like those were some

627
00:27:36,960 --> 00:27:40,439
Speaker 2: of my favorite experiences while traveling because Jess, how much

628
00:27:40,440 --> 00:27:42,640
Speaker 2: should we love going through the French supermarket?

629
00:27:42,720 --> 00:27:42,920
Speaker 1: Oh?

630
00:27:42,960 --> 00:27:47,960
Speaker 2: It's so fun? Like how many different butters do they need? Actually? Literally? Beck,

631
00:27:48,080 --> 00:27:50,159
Speaker 2: like why have they got different butters? They have like

632
00:27:50,480 --> 00:27:53,600
Speaker 2: condiment butter and then cooking butter. Oh my god, we

633
00:27:53,680 --> 00:27:54,680
Speaker 2: just have cooking butter.

634
00:27:55,320 --> 00:27:57,760
Speaker 4: A French day had to do it. To do it,

635
00:27:58,440 --> 00:28:00,119
Speaker 4: I would say, just look at how much do you

636
00:28:00,160 --> 00:28:02,080
Speaker 4: want to do this thing now versus what could that

637
00:28:02,119 --> 00:28:03,560
Speaker 4: get you in Europe? Because I feel like a lot

638
00:28:03,600 --> 00:28:05,720
Speaker 4: of the time, if you're making that match up, you're

639
00:28:05,720 --> 00:28:08,120
Speaker 4: probably gonna want to just pocket it away and save

640
00:28:08,160 --> 00:28:09,679
Speaker 4: it up so you can have a real fun. But

641
00:28:10,160 --> 00:28:10,800
Speaker 4: that's so true.

642
00:28:11,119 --> 00:28:11,760
Speaker 2: What would you do?

643
00:28:12,880 --> 00:28:15,840
Speaker 5: Look, you know, I'm the kind of person that wants

644
00:28:15,920 --> 00:28:19,000
Speaker 5: to have my cake and eat it too that what

645
00:28:19,040 --> 00:28:21,800
Speaker 5: you say.

646
00:28:21,680 --> 00:28:23,679
Speaker 2: And where are we eating it? I'm eating all of

647
00:28:23,680 --> 00:28:25,159
Speaker 2: them and everywhere.

648
00:28:25,920 --> 00:28:29,000
Speaker 5: I would also say, just like you know, date nights,

649
00:28:29,000 --> 00:28:31,320
Speaker 5: as you're saying, be like, they don't have to be

650
00:28:31,400 --> 00:28:35,240
Speaker 5: super expensive, Like nothing you do that sparks joy has

651
00:28:35,280 --> 00:28:37,760
Speaker 5: to be super expensive, Like you can you know, obviously

652
00:28:37,800 --> 00:28:39,360
Speaker 5: I've kind of gone back into the dating world.

653
00:28:39,360 --> 00:28:40,040
Speaker 2: So I'm kind of.

654
00:28:39,960 --> 00:28:42,320
Speaker 5: Finding things that are a little bit exciting, but like,

655
00:28:42,520 --> 00:28:44,880
Speaker 5: I don't know, pick up some like reflex cards or

656
00:28:44,920 --> 00:28:46,800
Speaker 5: conversation cars and like go sit in the park with

657
00:28:46,840 --> 00:28:48,640
Speaker 5: a five dollar bottle of red wine.

658
00:28:49,120 --> 00:28:49,560
Speaker 2: So fun.

659
00:28:49,640 --> 00:28:51,640
Speaker 5: Yeah, it's so fun just doing that kind of thing,

660
00:28:51,680 --> 00:28:53,800
Speaker 5: or like just make some fairy bread and take it

661
00:28:53,840 --> 00:28:55,560
Speaker 5: to the park or whatever you want to do, Like

662
00:28:55,640 --> 00:28:58,960
Speaker 5: do something that's honestly costs, like edg dry clay, you

663
00:28:59,000 --> 00:28:59,920
Speaker 5: know what I mean, make something for you.

664
00:29:00,520 --> 00:29:02,320
Speaker 2: Jess and I when we were in Europe, it wasn't

665
00:29:02,320 --> 00:29:03,760
Speaker 2: just Ess and I. There was a group of girls

666
00:29:03,800 --> 00:29:05,880
Speaker 2: that we went with. We played the game Heads Up.

667
00:29:06,080 --> 00:29:10,080
Speaker 2: It's a free but like that was really fun and

668
00:29:10,120 --> 00:29:12,160
Speaker 2: we'd do that in the park while having our sandwiches

669
00:29:12,160 --> 00:29:14,400
Speaker 2: and stuff, and it's just a bit lame. Actually that's

670
00:29:14,440 --> 00:29:17,680
Speaker 2: a good Christmas present recommendation. A couple of years ago,

671
00:29:17,720 --> 00:29:20,120
Speaker 2: I was gifted a picnic basket and I remember being like,

672
00:29:20,240 --> 00:29:24,960
Speaker 2: I don't go on picnics. This is awkward, but it's

673
00:29:25,000 --> 00:29:26,600
Speaker 2: a picnic basket. And do you know what you could do?

674
00:29:26,640 --> 00:29:27,920
Speaker 2: You go to the op shop and get one of

675
00:29:27,920 --> 00:29:30,720
Speaker 2: those real cute old school baskets and feel it full

676
00:29:30,760 --> 00:29:33,800
Speaker 2: of like you know, two cups, two plates, you know,

677
00:29:33,920 --> 00:29:38,720
Speaker 2: some disposable or reusable sorry cutlery that all of it's plastic.

678
00:29:38,960 --> 00:29:42,080
Speaker 2: That would make an epic gift because that's then you

679
00:29:42,200 --> 00:29:44,360
Speaker 2: being able to take your date nights out and about

680
00:29:44,400 --> 00:29:46,240
Speaker 2: and around like totally. You don't have to have a

681
00:29:46,240 --> 00:29:49,040
Speaker 2: proper picnic. You can just package up your Marley spoon

682
00:29:49,160 --> 00:29:51,400
Speaker 2: like I do, go down, but at least you've got

683
00:29:51,400 --> 00:29:53,480
Speaker 2: some reusable plastic cups that are not going to break,

684
00:29:53,480 --> 00:29:55,360
Speaker 2: and a place to put your stuff to travel and

685
00:29:55,400 --> 00:29:58,280
Speaker 2: it just feels nice. Yeah, get your like portable speaker

686
00:29:58,320 --> 00:30:00,760
Speaker 2: that basically everybody has chucked that in there. Maybe a

687
00:30:00,760 --> 00:30:03,040
Speaker 2: little beach towel. We don't need a proper picnic blanket.

688
00:30:03,120 --> 00:30:06,440
Speaker 2: Couple of beach towels and you've got a good date night. Yeah. Absolutely.

689
00:30:06,560 --> 00:30:08,640
Speaker 5: It can be really cheap and so fun trying to

690
00:30:08,680 --> 00:30:10,200
Speaker 5: find ways to not spend money.

691
00:30:10,240 --> 00:30:12,880
Speaker 2: So yeah, just try and then shut. We can try

692
00:30:12,880 --> 00:30:15,240
Speaker 2: a different beach, we can try different parts, we can

693
00:30:15,440 --> 00:30:17,880
Speaker 2: you know, go somewhere else. I love it, but I

694
00:30:17,920 --> 00:30:22,080
Speaker 2: also think it's important to have a savings mindset as well,

695
00:30:22,120 --> 00:30:24,160
Speaker 2: and that's where we want to talk about the future

696
00:30:24,160 --> 00:30:27,520
Speaker 2: and go, well, actually, what's life look like past Europe?

697
00:30:27,600 --> 00:30:29,640
Speaker 2: Because I think so many of us see that as

698
00:30:29,680 --> 00:30:32,160
Speaker 2: the destination and then forget that when you come back,

699
00:30:32,440 --> 00:30:34,479
Speaker 2: the real world's going to hit you. And earlier this

700
00:30:34,560 --> 00:30:36,720
Speaker 2: episode you were saying, you know, if you've been on

701
00:30:36,760 --> 00:30:40,520
Speaker 2: a big holiday, you come back poor. That's very common

702
00:30:40,560 --> 00:30:42,200
Speaker 2: as well, So I think we need to kind of

703
00:30:42,240 --> 00:30:43,680
Speaker 2: like do a good mix of both.

704
00:30:44,040 --> 00:30:47,280
Speaker 4: Yeah, all right, let's get into our DM of the week.

705
00:30:47,360 --> 00:30:51,200
Speaker 2: Are you guys ready, so ready excited? Actually, are you excited?

706
00:30:51,320 --> 00:30:53,960
Speaker 2: I'm excited. It's the goss. Let's recap on the DM

707
00:30:54,000 --> 00:30:55,640
Speaker 2: that we got this week, because I think we're all

708
00:30:55,640 --> 00:30:58,479
Speaker 2: going to have different opinions this week. The DM reads,

709
00:30:58,880 --> 00:31:02,400
Speaker 2: She's on the money I need event. Is anyone else

710
00:31:02,520 --> 00:31:06,000
Speaker 2: struggling with a rising cost of living? Here's my current sitch.

711
00:31:06,280 --> 00:31:08,920
Speaker 2: I got paid twenty four hours ago, I've paid all

712
00:31:08,920 --> 00:31:12,800
Speaker 2: my bills, Queen, and I only have fifty five dollars

713
00:31:12,880 --> 00:31:15,760
Speaker 2: left to last me a whole week. Oh, I'm feeling

714
00:31:15,880 --> 00:31:19,800
Speaker 2: so stressed and so hopeless. On top of this shitty feeling,

715
00:31:20,000 --> 00:31:22,960
Speaker 2: I've had to pause my charitable donations and now I'm

716
00:31:22,960 --> 00:31:26,200
Speaker 2: feeling full of guilt. I feel so bad having to

717
00:31:26,240 --> 00:31:29,440
Speaker 2: cancel them, but I simply can't afford them anymore. We'd

718
00:31:29,480 --> 00:31:31,520
Speaker 2: love to know your thoughts on this and other things

719
00:31:31,560 --> 00:31:33,720
Speaker 2: people are having to give up due to this rising

720
00:31:33,760 --> 00:31:36,200
Speaker 2: cost of living. I feel so lucky that I still

721
00:31:36,240 --> 00:31:38,240
Speaker 2: live at home, and I can't imagine what it would

722
00:31:38,240 --> 00:31:40,080
Speaker 2: be like for those who are struggling to pay rent

723
00:31:40,160 --> 00:31:42,760
Speaker 2: or have kids that they need to support. Not really

724
00:31:42,800 --> 00:31:44,760
Speaker 2: a question, I guess just wanted to have an open

725
00:31:44,840 --> 00:31:47,040
Speaker 2: chat about this. Thank you so much in advance for

726
00:31:47,080 --> 00:31:52,160
Speaker 2: all your support. Love heart emoji feels seriously, I totally.

727
00:31:52,280 --> 00:31:54,360
Speaker 5: I mean, I feel like everyone in this room totally

728
00:31:54,400 --> 00:31:57,880
Speaker 5: gets that we've all been there and it is stressful.

729
00:31:57,920 --> 00:31:59,960
Speaker 5: And I guess, like something I mentioned a couple weeks ago,

730
00:32:00,160 --> 00:32:02,520
Speaker 5: like do I'm sure she's probably already done this, so

731
00:32:02,880 --> 00:32:04,920
Speaker 5: you know, I apologize if you already have, but like

732
00:32:05,240 --> 00:32:08,280
Speaker 5: doing like a membership and subscription audit, look at all

733
00:32:08,280 --> 00:32:10,760
Speaker 5: your ingoings and outgoings and see if there's anything that

734
00:32:10,800 --> 00:32:14,560
Speaker 5: you actually just haven't even noticed yet, Like you could

735
00:32:14,560 --> 00:32:17,600
Speaker 5: have a gym membership that you forgot about that keeps

736
00:32:17,600 --> 00:32:19,160
Speaker 5: coming out of your account and you're just like, I

737
00:32:19,240 --> 00:32:21,440
Speaker 5: actually don't need this anymore, and you know, kind of.

738
00:32:21,920 --> 00:32:23,200
Speaker 2: Just do it like a being ordered of that.

739
00:32:23,320 --> 00:32:25,680
Speaker 5: But honestly, if you've paid everything off, there's no better

740
00:32:25,720 --> 00:32:27,800
Speaker 5: feeling than being like, Okay, there's no one out there

741
00:32:27,840 --> 00:32:30,520
Speaker 5: that's waiting for me to pay money. I am broke,

742
00:32:30,680 --> 00:32:34,040
Speaker 5: but I also am not being chased, and the feeling

743
00:32:34,080 --> 00:32:37,200
Speaker 5: of anxiety from that if you don't have that there,

744
00:32:37,320 --> 00:32:40,160
Speaker 5: it's just so freeing. So, yes, you do have fifty

745
00:32:40,200 --> 00:32:42,040
Speaker 5: five dollars for the rest of the week. And I

746
00:32:42,040 --> 00:32:45,520
Speaker 5: think this is where just like trying to find ways

747
00:32:45,600 --> 00:32:49,720
Speaker 5: to eat as cheap as possible, it really does suck

748
00:32:49,760 --> 00:32:52,200
Speaker 5: when you're kind of in this position because nutrition is

749
00:32:52,880 --> 00:32:56,880
Speaker 5: not your main priority. It's literally just existing and not

750
00:32:57,240 --> 00:33:03,959
Speaker 5: dying from starvation. So prioritize the Maslow's hierarchy of needs

751
00:33:04,000 --> 00:33:07,360
Speaker 5: in this point, yes, and think about pop Off queen.

752
00:33:08,000 --> 00:33:10,760
Speaker 2: I think it's so kind though, Like, yeah, the fact

753
00:33:10,760 --> 00:33:12,840
Speaker 2: that you feel bad that you can't donate, but you're

754
00:33:12,840 --> 00:33:14,920
Speaker 2: in a situation where you only have fifty five bucks

755
00:33:15,000 --> 00:33:18,680
Speaker 2: left for the week, totally, it's so interesting. I've seen

756
00:33:18,720 --> 00:33:20,680
Speaker 2: a lot on social media, I would say, over the

757
00:33:20,800 --> 00:33:24,360
Speaker 2: last couple of weeks of people, you know, talking about Christmas, right,

758
00:33:24,440 --> 00:33:27,320
Speaker 2: and some people have said I'm really rich, and like,

759
00:33:27,400 --> 00:33:29,840
Speaker 2: here's how I stay rich. I just don't buy gifts

760
00:33:29,840 --> 00:33:32,240
Speaker 2: for people, and I don't ask for gifts for people,

761
00:33:32,640 --> 00:33:34,960
Speaker 2: and I just go, okay, like that's fine for you.

762
00:33:35,400 --> 00:33:38,560
Speaker 2: But from my perspective, the more money I come into,

763
00:33:38,800 --> 00:33:40,920
Speaker 2: I just look at it and go, this is so

764
00:33:41,000 --> 00:33:43,200
Speaker 2: much more impactful, Like, look at how many people I

765
00:33:43,240 --> 00:33:46,000
Speaker 2: could help. And like, you know, Jess and I are

766
00:33:46,040 --> 00:33:48,280
Speaker 2: both on the same page. Both of us have the

767
00:33:48,320 --> 00:33:50,840
Speaker 2: love language of gift giving. I am she gave me

768
00:33:50,840 --> 00:33:52,720
Speaker 2: a present today. There's a cup holder, like it's a

769
00:33:52,880 --> 00:33:54,560
Speaker 2: It goes on my Stanley cup and you can put

770
00:33:54,560 --> 00:33:57,040
Speaker 2: snacks in here, so you have snacks and drinks together,

771
00:33:57,320 --> 00:34:00,320
Speaker 2: and I love it. Gift receivings not a love lifeguage

772
00:34:00,320 --> 00:34:02,000
Speaker 2: of mine, but I'm obsessed because I know it's one

773
00:34:02,000 --> 00:34:05,560
Speaker 2: of Jess's. I'm genuinely excited about that. But both Jess

774
00:34:05,600 --> 00:34:08,920
Speaker 2: and I love giving gifts, and I feel like the

775
00:34:09,000 --> 00:34:12,279
Speaker 2: more opportunity I have to give gifts, especially ones that

776
00:34:12,320 --> 00:34:14,279
Speaker 2: I'm like, oh, Jess wouldn't be able for it, I'm

777
00:34:14,320 --> 00:34:16,920
Speaker 2: going to get it for her anyway. Like I love it.

778
00:34:16,920 --> 00:34:19,200
Speaker 2: It's my favorite thing in the world. And that's the

779
00:34:19,239 --> 00:34:23,000
Speaker 2: feeling I'm assuming people get when they are donating to charity.

780
00:34:23,040 --> 00:34:24,879
Speaker 2: It's why I donate to charity. I do a lot

781
00:34:24,880 --> 00:34:26,759
Speaker 2: of that because it's in line with my values. If

782
00:34:26,760 --> 00:34:29,080
Speaker 2: you guys don't know, I'm on the board of a charity,

783
00:34:29,120 --> 00:34:32,440
Speaker 2: Like I am so donations driven because I think it

784
00:34:32,480 --> 00:34:35,719
Speaker 2: is so important. But when you have fifty five dollars

785
00:34:35,800 --> 00:34:38,120
Speaker 2: to your name, it is about the thought is not

786
00:34:38,160 --> 00:34:41,440
Speaker 2: about putting money where your mouth is. I am so

787
00:34:42,200 --> 00:34:45,520
Speaker 2: fascinated by the concept that the less we have, the

788
00:34:45,520 --> 00:34:48,600
Speaker 2: more we often give, like you know the rich or

789
00:34:48,640 --> 00:34:52,080
Speaker 2: rich because they're super rich. Like it's I wrote an

790
00:34:52,160 --> 00:34:54,239
Speaker 2: article for The Age and the City Morning Herald a

791
00:34:54,239 --> 00:34:56,759
Speaker 2: couple of months ago, and it was literally why I

792
00:34:56,760 --> 00:35:01,200
Speaker 2: didn't think billionaires should exist nobody. From my perspective, I

793
00:35:01,239 --> 00:35:03,160
Speaker 2: will argue this until I'm blue in the face. No

794
00:35:03,160 --> 00:35:06,239
Speaker 2: one needs a billion dollars back, not one person. You

795
00:35:06,280 --> 00:35:09,319
Speaker 2: can live a very good life, but look how much

796
00:35:09,360 --> 00:35:12,640
Speaker 2: you could impact people and you're choosing not to. Yeah, anyway,

797
00:35:12,840 --> 00:35:14,719
Speaker 2: there's a lot that we could say on charity, but

798
00:35:15,920 --> 00:35:18,799
Speaker 2: charity is beautiful when you can afford it not at

799
00:35:18,800 --> 00:35:21,640
Speaker 2: the cost of your own living, not at the cost

800
00:35:21,680 --> 00:35:23,520
Speaker 2: of you being able to put food on the table,

801
00:35:23,560 --> 00:35:26,160
Speaker 2: of you being able to pay bills. You know what,

802
00:35:26,239 --> 00:35:29,280
Speaker 2: that's one of those things that we go that's so nice.

803
00:35:29,400 --> 00:35:31,400
Speaker 2: Let's put that on the goals list for when I

804
00:35:31,480 --> 00:35:33,920
Speaker 2: have more cash flow, when I have more money. But

805
00:35:34,080 --> 00:35:36,040
Speaker 2: right now, you're not going to be able to pour

806
00:35:36,080 --> 00:35:38,480
Speaker 2: from an empty cup, And an empty cup looks like

807
00:35:38,520 --> 00:35:41,280
Speaker 2: you don't have enough savings, you don't have an emergency account,

808
00:35:41,320 --> 00:35:43,760
Speaker 2: you might be in debt, you might be just struggling

809
00:35:43,840 --> 00:35:47,440
Speaker 2: week to week. There is no shame in saying, look, sorry,

810
00:35:47,440 --> 00:35:50,120
Speaker 2: I can't do charitable donations. They are one of the

811
00:35:50,280 --> 00:35:52,839
Speaker 2: first things to go. Please don't get me wrong, Like

812
00:35:53,880 --> 00:35:56,160
Speaker 2: charity is very close to my heart and it breaks

813
00:35:56,160 --> 00:35:58,279
Speaker 2: my heart sometimes to be like, oh, maybe we can't

814
00:35:58,320 --> 00:36:02,120
Speaker 2: afford this, but promise there's somebody else and what goes

815
00:36:02,160 --> 00:36:06,080
Speaker 2: around comes around. But also, just donating to charity doesn't

816
00:36:06,120 --> 00:36:09,879
Speaker 2: make you a nice person. Just putting money towards things

817
00:36:09,960 --> 00:36:13,760
Speaker 2: doesn't make you immediately inherently better. In fact, I would

818
00:36:13,760 --> 00:36:17,920
Speaker 2: prefer more understanding people than more people with money. So

819
00:36:18,000 --> 00:36:20,399
Speaker 2: I think it's just so important to just go, that's

820
00:36:20,400 --> 00:36:22,560
Speaker 2: actually okay, you can let go of that. You don't

821
00:36:22,600 --> 00:36:25,919
Speaker 2: need to donate, especially during a period of time where

822
00:36:25,960 --> 00:36:29,560
Speaker 2: you're financially crippled, Like that's not fair to put that

823
00:36:29,600 --> 00:36:30,520
Speaker 2: pressure on yourself.

824
00:36:31,360 --> 00:36:33,400
Speaker 4: You might need to lean on some of those resources,

825
00:36:33,440 --> 00:36:34,160
Speaker 4: like a local.

826
00:36:33,920 --> 00:36:35,000
Speaker 2: Pantry or something like that.

827
00:36:35,160 --> 00:36:36,520
Speaker 4: The other thing I would say is they might feel

828
00:36:36,520 --> 00:36:39,200
Speaker 4: conflicted about giving up their charity because it is something

829
00:36:39,239 --> 00:36:41,760
Speaker 4: that's a really core value to them. And like, obviously

830
00:36:41,800 --> 00:36:45,160
Speaker 4: if they're debating that, I completely understand. Could I suggest

831
00:36:45,360 --> 00:36:46,800
Speaker 4: looking at donating blood?

832
00:36:47,360 --> 00:36:50,560
Speaker 2: Oh yeah, and so important this time of year, no

833
00:36:50,600 --> 00:36:52,840
Speaker 2: one has time, so they all let it dwindle and

834
00:36:52,880 --> 00:36:55,280
Speaker 2: then our blood supplies across the country go down.

835
00:36:55,440 --> 00:36:58,000
Speaker 4: Yeah, so I would really recommendnating. But obviously it's free.

836
00:36:58,040 --> 00:36:58,919
Speaker 4: It just takes your time.

837
00:36:59,000 --> 00:37:00,879
Speaker 2: You get a free snack, You get fed when you're

838
00:37:00,880 --> 00:37:03,160
Speaker 2: there as well, which is a huge perk. And it's

839
00:37:03,160 --> 00:37:04,879
Speaker 2: always like the people are so lovely, you have such

840
00:37:04,880 --> 00:37:06,719
Speaker 2: a good chat, you can chill out for a little bit.

841
00:37:06,920 --> 00:37:08,839
Speaker 4: I feel like that's a great option. Or you could

842
00:37:08,880 --> 00:37:11,520
Speaker 4: also look at volunteering. I know a lot of charities

843
00:37:11,560 --> 00:37:13,920
Speaker 4: do Christmas drives, like at their soup kitchens, or they

844
00:37:13,960 --> 00:37:16,800
Speaker 4: do gift wrapping for gifts that they're distributing to children

845
00:37:16,800 --> 00:37:20,359
Speaker 4: and things like that. So if you can't pay, like girl,

846
00:37:20,360 --> 00:37:22,640
Speaker 4: I get it, Like I fully understand, and I see

847
00:37:22,640 --> 00:37:25,000
Speaker 4: you and I know that would be a really awful feeling,

848
00:37:25,120 --> 00:37:28,160
Speaker 4: especially if it is close to your heart, and feeling

849
00:37:28,160 --> 00:37:29,520
Speaker 4: like you have to give up a piece of you

850
00:37:29,640 --> 00:37:31,600
Speaker 4: or something that you're really proud or excited to be

851
00:37:31,640 --> 00:37:34,600
Speaker 4: involved in. But you need to put yourself first. And

852
00:37:34,640 --> 00:37:37,560
Speaker 4: I guess the compromise is maybe volunteering your time, if

853
00:37:37,560 --> 00:37:40,239
Speaker 4: you're able to do that instead, is still so important

854
00:37:40,280 --> 00:37:43,280
Speaker 4: and so needed, and a lot of people aren't able

855
00:37:43,320 --> 00:37:45,160
Speaker 4: to do that, so maybe you can fill a gap

856
00:37:45,200 --> 00:37:47,520
Speaker 4: in that way and still continue to fill your cup

857
00:37:47,600 --> 00:37:49,640
Speaker 4: and have an impact and do good things. But also

858
00:37:49,640 --> 00:37:51,879
Speaker 4: if you don't have the time, I think.

859
00:37:51,840 --> 00:37:53,080
Speaker 2: It can stay at core value.

860
00:37:53,200 --> 00:37:54,879
Speaker 4: It can stay a core value. You need to look

861
00:37:54,920 --> 00:37:57,200
Speaker 4: after yourself, and I don't want you to feel guilty

862
00:37:57,280 --> 00:38:00,200
Speaker 4: because you can only do what you can do, and

863
00:38:00,239 --> 00:38:03,359
Speaker 4: it's tough times out there for everybody, and we need

864
00:38:03,400 --> 00:38:05,760
Speaker 4: you to look after yourself first before you can help others.

865
00:38:05,920 --> 00:38:09,080
Speaker 2: So true, what did the communities say? So before we

866
00:38:09,120 --> 00:38:10,880
Speaker 2: get to what the community said. We asked them a

867
00:38:10,920 --> 00:38:13,600
Speaker 2: few questions. So we said, are you also struggling with

868
00:38:13,640 --> 00:38:16,239
Speaker 2: the rising cost of living? Sixty nine percent of you

869
00:38:16,320 --> 00:38:19,359
Speaker 2: said heck yes. Thirty one percent of you said heck

870
00:38:19,440 --> 00:38:24,239
Speaker 2: yes times too. We asked, do you give charitable donations?

871
00:38:24,280 --> 00:38:26,919
Speaker 2: Twenty nine percent of our community said yes, seventy one

872
00:38:26,920 --> 00:38:30,520
Speaker 2: percent said no. Next, we asked, if yes, have you

873
00:38:30,560 --> 00:38:33,239
Speaker 2: had to cut back on these charitable donations due to

874
00:38:33,280 --> 00:38:36,279
Speaker 2: the rising cost of living? Fifty seven percent of you

875
00:38:36,440 --> 00:38:39,440
Speaker 2: said unfortunately yes. So this isn't just you, my friend,

876
00:38:39,560 --> 00:38:42,960
Speaker 2: this is across the board. It's something that we yeah,

877
00:38:43,000 --> 00:38:44,960
Speaker 2: we see a lot. I am on the board of

878
00:38:45,000 --> 00:38:47,279
Speaker 2: TLC for Kids, which is a children's charity that is

879
00:38:47,360 --> 00:38:49,279
Speaker 2: very very close to my heart, Like I'm obsessed with them.

880
00:38:49,480 --> 00:38:52,560
Speaker 2: If you guys have seen me in person talking about it,

881
00:38:52,600 --> 00:38:54,600
Speaker 2: like in an event or something, it's so hard for

882
00:38:54,640 --> 00:38:56,839
Speaker 2: me not to cry when I like fully like go, oh,

883
00:38:56,880 --> 00:38:58,120
Speaker 2: this is what they do and this is how we

884
00:38:58,160 --> 00:38:59,719
Speaker 2: do it. This is how we're supporting them today, I'm

885
00:38:59,719 --> 00:39:04,120
Speaker 2: like I break anyway. We see it at TLC as well,

886
00:39:04,160 --> 00:39:08,400
Speaker 2: like everybody cuts back. It's no, we actually would prefer

887
00:39:08,640 --> 00:39:11,239
Speaker 2: you to put yourself first, because it means that you're

888
00:39:11,239 --> 00:39:13,440
Speaker 2: going to be healthy and well and income generating in

889
00:39:13,480 --> 00:39:16,680
Speaker 2: the future, and then we can join back up. Having

890
00:39:16,719 --> 00:39:18,239
Speaker 2: sash on a charity. We don't look at it and

891
00:39:18,239 --> 00:39:20,160
Speaker 2: be like, oh, I can't believe people aren't. We're like,

892
00:39:21,040 --> 00:39:24,279
Speaker 2: it's a tough time for everybody. End of story. But

893
00:39:24,640 --> 00:39:26,880
Speaker 2: then we ask the community, what have you had to

894
00:39:26,880 --> 00:39:30,839
Speaker 2: cut back on? This one broke me. Someone said joy

895
00:39:31,520 --> 00:39:35,720
Speaker 2: and I was like, oh, don't say that. Other people

896
00:39:35,800 --> 00:39:38,920
Speaker 2: said things that are really relatable, so ubery, it's date nights,

897
00:39:38,960 --> 00:39:42,040
Speaker 2: dining out. Someone said my car had to cut back

898
00:39:42,080 --> 00:39:48,719
Speaker 2: on that. Entertainment subscriptions. Someone said buying meat. They've said

899
00:39:48,800 --> 00:39:51,320
Speaker 2: in brackets, it's not the worst thing. I'm saving some cash,

900
00:39:51,520 --> 00:39:53,840
Speaker 2: but that's something that would have usually been in the budget.

901
00:39:54,600 --> 00:39:56,960
Speaker 2: I think smart like introducing a meat free Mondays or

902
00:39:57,000 --> 00:39:59,480
Speaker 2: something can actually save some money in the budget.

903
00:39:59,640 --> 00:40:01,080
Speaker 4: Has an on the environment too.

904
00:40:01,239 --> 00:40:04,040
Speaker 2: Yes, someone said I'm no longer treating myself to things

905
00:40:04,120 --> 00:40:06,960
Speaker 2: like my hair and my nails. They're not necessities, but

906
00:40:07,040 --> 00:40:09,360
Speaker 2: I really did enjoy them and I will get them

907
00:40:09,400 --> 00:40:12,080
Speaker 2: back one day. Someone said, definitely, no more hair and

908
00:40:12,160 --> 00:40:14,279
Speaker 2: nail appointments for me. I'm gonna have to learn to

909
00:40:14,360 --> 00:40:18,040
Speaker 2: diym idea. Why my nails and now great, thank you,

910
00:40:18,080 --> 00:40:20,600
Speaker 2: I've been practicing. I can do yours later if you want.

911
00:40:20,920 --> 00:40:23,200
Speaker 2: But I love doing my nails. It's like a little

912
00:40:23,200 --> 00:40:25,480
Speaker 2: self care practice. Got a fifty dollars kit, that's where

913
00:40:25,480 --> 00:40:27,959
Speaker 2: I started. Got it at Pricelin. She does a good job.

914
00:40:28,160 --> 00:40:30,719
Speaker 2: Someone said, Bougie, yes, but I had to cut back

915
00:40:30,760 --> 00:40:33,239
Speaker 2: on pedicures and pushing my brows from three weeks to

916
00:40:33,320 --> 00:40:37,080
Speaker 2: five weeks. Someone said, no more Pilates memberships for me.

917
00:40:37,680 --> 00:40:41,560
Speaker 2: Lots of people are saying eating out now, appointments, et cetera,

918
00:40:41,640 --> 00:40:43,960
Speaker 2: et cetera. Some other people have said, hey, I've had

919
00:40:44,000 --> 00:40:46,840
Speaker 2: to pause my health insurance for a couple of months.

920
00:40:47,280 --> 00:40:49,800
Speaker 2: Someone said they're doing without my car insurance at the moment.

921
00:40:50,120 --> 00:40:52,680
Speaker 2: Someone else said that they're skipping tapping on their my key.

922
00:40:53,880 --> 00:40:57,480
Speaker 2: We can't endorse, but can't indoors, but get it very

923
00:40:58,000 --> 00:41:01,600
Speaker 2: sounds risky, like are you going to get slapped with that?

924
00:41:01,640 --> 00:41:03,200
Speaker 2: Like is it two hundred and eighty eight dollars or

925
00:41:03,239 --> 00:41:06,359
Speaker 2: something that's wild? And then obviously lots of people are saying,

926
00:41:06,400 --> 00:41:09,160
Speaker 2: look diversity in food, I e. I'm now just shopping

927
00:41:09,160 --> 00:41:11,920
Speaker 2: for cheap staple items and trying to just keep my

928
00:41:12,000 --> 00:41:15,719
Speaker 2: belly full, which I think is honestly really relatable. And

929
00:41:16,080 --> 00:41:18,799
Speaker 2: you're not alone in that, Like there were hundreds of

930
00:41:18,840 --> 00:41:21,520
Speaker 2: people that responded to that, and I can promise if

931
00:41:21,560 --> 00:41:23,560
Speaker 2: they're not able to keep those things in their budget,

932
00:41:23,600 --> 00:41:26,600
Speaker 2: they're not donating either. Yeah, So I think it's about intent.

933
00:41:26,640 --> 00:41:29,160
Speaker 2: I think it's about caring about people and putting other

934
00:41:29,200 --> 00:41:32,560
Speaker 2: people first, but not always because you can't pour it

935
00:41:32,640 --> 00:41:35,360
Speaker 2: from an empty cup, So fill up our own cups,

936
00:41:35,480 --> 00:41:38,360
Speaker 2: make sure that we are healthy and nourished and okay,

937
00:41:38,800 --> 00:41:41,000
Speaker 2: because this too shall pass, and then we can get

938
00:41:41,040 --> 00:41:43,760
Speaker 2: back to those things that really spark a lot more joy.

939
00:41:44,080 --> 00:41:46,799
Speaker 2: And I think that that's the fairest way to approach it,

940
00:41:47,520 --> 00:41:50,400
Speaker 2: and just literally the smartest way to approach it. Like

941
00:41:50,640 --> 00:41:53,200
Speaker 2: you can't be expected to save the world on your own,

942
00:41:53,239 --> 00:41:55,120
Speaker 2: Like the weight of the world doesn't exist to be

943
00:41:55,239 --> 00:41:59,320
Speaker 2: on your shoulders, it's spread out. Yeah, totally agree. Well,

944
00:41:59,440 --> 00:42:02,120
Speaker 2: my friends, that's probably enough from us today. It has

945
00:42:02,200 --> 00:42:04,520
Speaker 2: been a pleasure. As always, don't forget who we are

946
00:42:04,680 --> 00:42:08,359
Speaker 2: Australia's number one business podcast. Thank you and we will

947
00:42:08,360 --> 00:42:10,360
Speaker 2: see you on Monday. Bright and early for money daries,

948
00:42:10,360 --> 00:42:19,160
Speaker 2: Love you Guys, by guys Bye. The advice shared on

949
00:42:19,280 --> 00:42:21,719
Speaker 2: She's on the Money is general in nature and does

950
00:42:21,760 --> 00:42:25,760
Speaker 2: not consider your individual circumstances. She's on the Money exists

951
00:42:25,880 --> 00:42:29,080
Speaker 2: purely for educational purposes and should not be relied upon

952
00:42:29,120 --> 00:42:32,200
Speaker 2: to make an investment or financial decision. If you do

953
00:42:32,320 --> 00:42:35,280
Speaker 2: choose to buy a financial product, read the PDS TMD

954
00:42:35,480 --> 00:42:39,719
Speaker 2: and obtain appropriate financial advice tailored towards your needs. Victoria

955
00:42:39,760 --> 00:42:43,279
Speaker 2: Divine and She's on the Money are authorized representatives of

956
00:42:43,360 --> 00:42:47,319
Speaker 2: money Shoper Pty Ltd ABN three two one is six

957
00:42:47,400 --> 00:42:51,279
Speaker 2: four nine two seven seven zero eight AFSL four five

958
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Speaker 2: one two eight nine