Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 2: Hello, and welcome to She's on the Money, the podcast
Speaker 2: the millennials who want financial freedom. Today, my friends, guess
Speaker 2: what day it is. It's Friday, which means it is
Speaker 2: time to get my little team together and celebrate you
Speaker 2: ow incredible. She's on the Money community today, msters greed.
Speaker 2: She She's gonna be sharing her favorite money wins from
Speaker 2: the community. There has some pretty good bawler broke tips.
Speaker 2: I'm excited for them this week, and we're going to
Speaker 2: be helping to answer a juicy money dilemma which this
Speaker 2: week is all about supporting a savings mindset, and we're
Speaker 2: also going to be unpacking a spicy a DM which
Speaker 2: this week is all about keeping up with the ever
Speaker 2: increasing cost of living. When I said spicy, I didn't
Speaker 2: mean dramatic. I mean just like it feels really awful
Speaker 2: in your mouth. Rising cost of living hate. But that
Speaker 2: was way too realistic. Nobody needs that in their lives
Speaker 2: on a Friday. Our community deserve better than that.
Speaker 4: Beck sounded wet.
Speaker 5: Not when I'm going to do a fake from it,
Speaker 5: I'm going to commit.
Speaker 2: No, I'm committed. We're not committed. We're not committed. You
Speaker 2: sit in the corner and think about what you've done.
Speaker 5: This is dis How has your week been.
Speaker 4: It's been really good. I put up my tree this week. Finally,
Speaker 4: very exciting and more excitingly, today we started our twelve
Speaker 4: days of giveaways on Instagram.
Speaker 2: It's like so fun. We've got Sony brands that I've
Speaker 2: given us stuff to give away, but like it's good stuff.
Speaker 5: Bick, Oh my gosh, that's exciting.
Speaker 4: We run this last year. It's really good. We've got
Speaker 4: some stuff from some incredible brands and it's just a
Speaker 4: fun way to say Thank you to you guys for listening.
Speaker 4: We so appreciate it and we know we couldn't do
Speaker 4: it without you, And especially with this year being such
Speaker 4: a tough year for a lot of people, we thought,
Speaker 4: you know, anything we can do to hopefully make some
Speaker 4: people's days would be awesome. So if you're not following
Speaker 4: us on Instagram, head over because every other day, starting today,
Speaker 4: we are giving away a fabulous present and I'm not
Speaker 4: going to give it away. So if you want to
Speaker 4: know what it is, here to go. Look, I'm not
Speaker 4: going to give away the giveaway.
Speaker 2: Gosh eck, your week being week has been so great.
Speaker 2: You haven't stopped talking about the free red rooster you
Speaker 2: got on Tuesday. Red rooster that's not sponsored, she just
Speaker 2: got free red rooster.
Speaker 5: Y vibes are high this week, you guys.
Speaker 4: It's Christmas y Christmas.
Speaker 6: Totally Christmas party and our producers.
Speaker 2: And Alisa is back from her tour of the States
Speaker 2: with her.
Speaker 5: Band Thario Lotharioario Lithario.
Speaker 2: Also, I brought Christmas crack into the studio for our
Speaker 2: Friday Drinks episode today. Jess had had it before, but
Speaker 2: it had been at least twelve months since she had
Speaker 2: it had never had it before. So good.
Speaker 5: It's so so good.
Speaker 2: I feel like I promised you on last week's episode
Speaker 2: that I would make it for you, because you kind
Speaker 2: of side eyed me when I said to make Christmas
Speaker 2: crack and you were like, hey, it's not like family friend,
Speaker 2: probably not how I would celebrate my Christmas Victoria, And
Speaker 2: I was like, I'll make it for you. And then
Speaker 2: when I explained to you that it's made of soladas,
Speaker 2: you were like, I don't know if I want it.
Speaker 2: Do you want it now?
Speaker 6: I do want it now, maybe more than what I
Speaker 6: initially thought it was.
Speaker 4: Yeah, oh you know what I mean.
Speaker 2: But it's good and it's cheap, and you can make
Speaker 2: it and gift it to people. It's just it's a
Speaker 2: very wholesome, cheap present. Do you have people or just
Speaker 2: have in your house at Christmas time? I love it.
Speaker 4: Yeah, And if you want to make it, there's a
Speaker 4: real on our Instagram from last year from when we
Speaker 4: made it.
Speaker 2: Well, repost that on stories today and probably post another
Speaker 2: recipe so that it's really easy to get. But also
Speaker 2: thanks for asking me how week? Certainly good? Thanks for
Speaker 2: asking I made Christmas crack. I decorated my Christmas Tree
Speaker 2: with Jesse Gotria Chi. It was very fun. But last
Speaker 2: Friday's episode we pre recorded because we had to fly
Speaker 2: to Sydney for the Australian Podcast Towards and Jess was like, oh, like,
Speaker 2: if you're listening to it, we don't know if we've
Speaker 2: won yet, Jess, what happened last week? We would?
Speaker 4: We would so exciting. We are the bait business podcasts
Speaker 4: in the whole country.
Speaker 2: Yeah. At the Australian Podcast Awards, which was so cool,
Speaker 2: and Jess and I like we were sitting together kind
Speaker 2: of watching the screen and they go through like you know,
Speaker 2: all of the people that are you know, up for
Speaker 2: the award, and I was like, Mark Boris is in this.
Speaker 2: If you don't know who Mark Boris is, he's big dog.
Speaker 2: Like his podcast is very good. I listened to it.
Speaker 2: I love it. There was you know my Millennial Money
Speaker 2: who is one of my friends, Glenn James, and he's
Speaker 2: just so good at podcasting. He's been doing it longer
Speaker 2: than me, and like he just gets it and he
Speaker 2: has a number of shows. And I was like, oh, like,
Speaker 2: we don't stand a chance here. And then when we won,
Speaker 2: Jess and I just looked at each other like wait
Speaker 2: what and then we screamed and then we went up
Speaker 2: and it's probably the funniest video ever. It's obviously on
Speaker 2: our Instagram. You can go and see it if you
Speaker 2: haven't seen it. But everybody else was kind of like
Speaker 2: de mirror and wearing these beautiful downs and like going
Speaker 2: up and accepting their award and being like thank you,
Speaker 2: photo and Jess and I like bouncing up.
Speaker 4: They got so excited.
Speaker 2: She just did a move.
Speaker 5: I was scared.
Speaker 2: It was so funny. Like We're in this really big room.
Speaker 2: There's hundreds of people, and there's like rows of seats
Speaker 2: right and Jess and I are sitting like maybe five
Speaker 2: rows back from the front, and you know, because genuinely
Speaker 2: I was like, Oh, it doesn't matter if we're like
Speaker 2: not on an end or like at the front. I
Speaker 2: don't think we're gonna win, Like we're not gonna have
Speaker 2: to get up. We did, and then my pregnant butt
Speaker 2: had to like squeeze through everybody, and I was like, regret, anyway, Beck,
Speaker 2: where were you sitting? I was right out the front,
Speaker 2: So like, was there anything in your way from coming
Speaker 2: up and accepting the award?
Speaker 5: Well, anxiety anxiety. I didn't know. I didn't know what
Speaker 5: the protocol was. I was like, it's my first time here, and.
Speaker 2: Like Jess and I like waving at that, being like
Speaker 2: come up, come up, and she's just waving back, and
Speaker 2: I was like a proud.
Speaker 5: Of your guys.
Speaker 2: I was like, oh, hello, and like it moved so
Speaker 2: quickly that we're obviously, yeah, that's the thing moved so quick.
Speaker 2: He was like, it's so funny though, and like are
Speaker 2: we coming off the stage? And I'm like, back, where
Speaker 2: are you?
Speaker 5: Like this was us and I'm so sorry.
Speaker 2: And You're like I didn't think it was us, and I'm.
Speaker 5: Like it's the scream. But honestly, like, this isn't the
Speaker 5: first time I'm going to win something. So next time, Audacious,
Speaker 5: we're gonna win again.
Speaker 4: We're gonna have to nominate and give us an award
Speaker 4: so Beck can have her time to shine on stage.
Speaker 2: Next time we are nominated for an award, I'm not
Speaker 2: going up. Beck is doing a thank you speech.
Speaker 5: Oh wow, okay, I can do that. I can do that.
Speaker 2: I'll make you proud. All right, thank you, Thanks, Let's
Speaker 2: move on. Obviously, massive thank you to the community for
Speaker 2: always supporting us because without you guys, we'd literally not
Speaker 2: be anywhere, especially winning awards, Like we're very proud of
Speaker 2: this one. I feel like this is one of those
Speaker 2: ones where it's a big deal in our industry, like
Speaker 2: and so for us is like it's massive, Like for us,
Speaker 2: we're celebrating so much. So thank you for all your support.
Speaker 2: But back to the community, because that's what this episode
Speaker 2: is about. Mister Scarici, wins have you pulled out to
Speaker 2: share with us?
Speaker 4: Firstly, I've got one from Diana who said money win.
Speaker 4: I did a fun little experiment and decided to collect
Speaker 4: bottles and cans and invest the money I get from
Speaker 4: them into Pepsi stock. A bit over three months later,
Speaker 4: I have more than enough to get one free zero
Speaker 4: point five leader Pepsi maxi yea from my Dividends Go
Speaker 4: You Wore, which is actually so funny and very specific.
Speaker 2: And Pepsi Max is like Jess's favorite.
Speaker 4: This is really selfish because I just feel like Diana
Speaker 4: is my people, because I'm all over the bottle recycling
Speaker 4: and Psi Max.
Speaker 2: Okay, okay, so Jess, do you want to share with
Speaker 2: the community what you did at my house the other day?
Speaker 2: I'm just throwing her straight onto the bus. Beck you
Speaker 2: ask her to be like, what did you do at
Speaker 2: V's house?
Speaker 5: Hey, Jess, what did your vita?
Speaker 4: She served me a lovely beverage a coke, a Crispy coke,
Speaker 4: and I said, can I take my can and your
Speaker 4: can home so I.
Speaker 2: Can recycle it? And then I was like, do you
Speaker 2: want me to start collecting my cans and giving them
Speaker 2: to you? And she said yes, So now I'm collecting
Speaker 2: all of my so Jess can take them to the
Speaker 2: recycling depot.
Speaker 5: That's cute. It's a good friend.
Speaker 4: That is a really good friend.
Speaker 2: It's just really funny. She's like, don't put that in
Speaker 2: the bin.
Speaker 4: And I was like, I get that's I'll do the same.
Speaker 5: Look, I've got a can here, I'll take it.
Speaker 2: Yeah, we're going to give it to Jess.
Speaker 4: I kind of like Diana's idea, like I want to see,
Speaker 4: like could I make a thousand dollars to invest because
Speaker 4: if I could do it in.
Speaker 2: The community, could do it?
Speaker 4: Do you know what I mean?
Speaker 2: Absolutely, you are now the guinea pig. You have to
Speaker 2: make a thousand dollars and it has to get invested done.
Speaker 4: We'll document it, will see a good deal.
Speaker 2: What next?
Speaker 4: Next, I've got a money win from Dana, who said
Speaker 4: I've been eyeing off the Dice in Air rap for
Speaker 4: ages atal waited for the Black Friday sales. I managed
Speaker 4: to get one price matched through the Good Guys and
Speaker 4: I used a student discount and I got the whole
Speaker 4: blue blush version, which is like the new colourway color,
Speaker 4: for four hundred and seventy five dollars.
Speaker 2: Or that's a good deal. For context, they're nearly nine
Speaker 2: hundred dollars.
Speaker 5: Rice, I see see, that's a very good deal.
Speaker 4: Stacking them up, well done done.
Speaker 2: And I am obsessed with my Dice in it wrap
Speaker 2: like I can't tell you how obsessed I am. It's
Speaker 2: the only hair toool that I will use.
Speaker 6: I mean, it does seem WORTHDS love it and the
Speaker 6: hair tool that works in my house.
Speaker 2: So don't know what that says.
Speaker 4: Next, I want a money in from Mary, who said
Speaker 4: I made some purchases last week prior to Black Friday
Speaker 4: and was disappointed to see most of the items went
Speaker 4: on sale. I reached out to the retailers and rather
Speaker 4: than have the hustle of returning and repurchasing, they just
Speaker 4: refunded the difference back onto my method of purchase. These
Speaker 4: were Christmas items that I had budgeted for, so I'm
Speaker 4: counting that as a money win.
Speaker 2: Overall, massive money.
Speaker 4: If you don't ask, you don't get. We love that
Speaker 4: for you. Well done, Mary. Next, I've got a money
Speaker 4: win from Keest, who said, I love Christmas, but I
Speaker 4: do not love how expensive some decorations are.
Speaker 2: Oh same, girlfriend, feel that in my cy why are
Speaker 2: you more than ten dollars? Like, obviously they can be
Speaker 2: exorbitantly expensive, but in my head Christmas decoration that's under
Speaker 2: ten dollars.
Speaker 4: I wanted to talk to a stick like a tree stick,
Speaker 4: a stick of with some berries on.
Speaker 2: It's a little reper stick with some berries.
Speaker 4: Yeah, it doesn't sound like it would be super expensive.
Speaker 4: Doesn't even sound you see I decorate my tree with me.
Speaker 2: Beck She confused as to why she wanted to buy
Speaker 2: stick with some berries on it.
Speaker 4: Yeah, goes to the vibe. Just how much was it
Speaker 4: I wanted to I didn't buy it with eighteen dollars.
Speaker 2: Absolutely sick with some berries stick with.
Speaker 5: Some berries on it?
Speaker 4: Literally, I was like, not today, Satan, sorry, but you
Speaker 4: have one st I found it more affordable.
Speaker 5: Oh okay, thankfully.
Speaker 4: But Test said, I've started making my own pomp pom decorations,
Speaker 4: and she's made these really cute little wreaths. She put
Speaker 4: a photo in.
Speaker 2: H those are cute, cue and I feel.
Speaker 4: Like that would be a really simple dare wife, you know,
Speaker 4: the old the school pompom method, the string around the
Speaker 4: thing and cut it and then you would just I
Speaker 4: think she's glued the pomp poms to the wreath, So
Speaker 4: it's a pretty simple day wife. Probably very kid friendly
Speaker 4: too true.
Speaker 2: Just do you want to come to my house and
Speaker 2: make pomp poms?
Speaker 4: I got cute.
Speaker 2: You're invited too, but I think you'd be like, why
Speaker 2: am I coming to make pomp poms?
Speaker 5: It's not for me? That's okay, Well hold on, let's
Speaker 5: make it.
Speaker 2: Let's make it for beck. They'll be free food.
Speaker 5: Okay, yeah, me up.
Speaker 4: But I look awesome, Very well done, Test, They're beautiful
Speaker 4: and could be a fun protect for somebody else, like
Speaker 4: jessin Victoria. Yeah, stay tuned to see us make our
Speaker 4: own next. I've got money in from Ali who said
Speaker 4: money win. If you're with Origin Energy, you can get
Speaker 4: movie tickets for forty percent off what I went and
Speaker 4: saw the New Hunger Games with my partner at our
Speaker 4: local hoints and tickets only cost us thirty five dollars.
Speaker 2: Oh that's a money.
Speaker 4: We sign up for the rewards too, because I think Village.
Speaker 4: I remember with Village and you get like half price
Speaker 4: tickets during the week or something.
Speaker 2: So is it just me? Or is thirty five dollars
Speaker 2: still really expensive to goe to movies? In my head?
Speaker 2: Fifteen dollars day?
Speaker 4: Yeah?
Speaker 2: Is it?
Speaker 4: It's so expensive to go to the cinemer My.
Speaker 2: Brain has not caught up with the cost of living
Speaker 2: Cristis we're currently in. It just hasn't caught up.
Speaker 4: It's like inflation is hitting.
Speaker 2: Ice creams at McDonald's. In my head, fifty cents.
Speaker 5: Still thirty cents even, Oh.
Speaker 2: Yeah, but fifty cents because they've gone up for us.
Speaker 2: But also they're not I know, I'm just optimistic at best.
Speaker 6: Yeah.
Speaker 5: It was very depressing.
Speaker 4: The thinks about well, how about this last money win?
Speaker 4: Then from Beck who said it's my birthday day and
Speaker 4: I got some birthday freebies. Oh, happy birthday, Happy birthday.
Speaker 4: Be We've got to get Krispy Kreme and a boost.
Speaker 4: Oh yeah, because you get both of those free on
Speaker 4: your birthday, and I thought maybe we could pop a
Speaker 4: little post up during the week. In the next week,
Speaker 4: let us know what you got for free on your birthday.
Speaker 4: Maybe we'll compile a list and make it a post.
Speaker 2: For you that would actually make a really good Instagram post. Two. Yes,
Speaker 2: so we'll like get the list from the community free
Speaker 2: things that you can get, and then we'll make a
Speaker 2: list that you can save and go back to when
Speaker 2: it's your birthday or sign up to everything so that
Speaker 2: they all compiling in on your birthday.
Speaker 4: Yeah, head to the Facebook group, let us know we
Speaker 4: got free and we'll make a little post week genius
Speaker 4: doing the Lord's work.
Speaker 5: Yeah, at the very least doing the Lord's work.
Speaker 2: Is that it, Jessica, I got this fantastic. It is
Speaker 2: time to move on to Beck's broke Tips. Beck, what
Speaker 2: do you bring into the table this week?
Speaker 5: Okay?
Speaker 2: Are you guys ready? I thought more than ready.
Speaker 6: Okay, amazing, amazing. Obviously each week I do two from
Speaker 6: the community, one for myself. So the first community broke
Speaker 6: tip comes from two who says coming back from holiday
Speaker 6: will make you feel a little bit broke, which is,
Speaker 6: you know, totallyable as well. So to offset that do
Speaker 6: the friends thing. I'm not a friend's watcher, but I'm
Speaker 6: sure this will probably relate to some people. But take
Speaker 6: what you are entitled to in the hotels that are
Speaker 6: like little butters, like bits of like you know, condiments,
Speaker 6: hair tis, shavers, chowonette's, toothbrushes, anything can get your hands
Speaker 6: on all the bathroom necessities. And these are like things
Speaker 6: that you know you might even get just one use
Speaker 6: out of.
Speaker 5: But if you collect it all and.
Speaker 6: You just happen to I love taking train with you,
Speaker 6: then honestly it will save money in the long run.
Speaker 6: Even if it's a couple bucks here and there, you're
Speaker 6: still saving money. Which if you're broke, you don't care
Speaker 6: what your hair ti is coming out, if you don't
Speaker 6: care what your little butter's coming out of you, Just so.
Speaker 2: You know, you're just like Sligh, I've got butter. I
Speaker 2: didn't have it before, did I Exactly right?
Speaker 4: If you go somewhere that has like something that's package nized.
Speaker 4: Do you remember this when we went to Monaco the mustard.
Speaker 2: Yeah, we stole all the must they're cute, little chat.
Speaker 4: I gave them away, Sudaniki.
Speaker 2: Why used that so us? Can we afford to buy souvenirs?
Speaker 1: Yes?
Speaker 2: Will we know?
Speaker 4: They were delicious, Like they were known for what is
Speaker 4: the type of mustard?
Speaker 2: I think it was like a Dijon mustard. Yeah, like
Speaker 2: it was like they used it there everywhere, like it
Speaker 2: was it was very French.
Speaker 4: Oh yeah, they were delicious and they can these beautiful
Speaker 4: little jars and so literally every breakfast, I would just
Speaker 4: take five.
Speaker 2: Yeah, no, she would, and then she would make me
Speaker 2: hold them as well. She said, you've got to curries.
Speaker 6: Some these don't f Yeah, you've got pers put them
Speaker 6: in there good and then you save money on buying giddy.
Speaker 2: I was like, they're the perfect little thing. They were
Speaker 2: actually delicious. It was like the time I went to
Speaker 2: a fancy hotel and they had ASoP like all of
Speaker 2: the bathroom. Like not only did I take them, I
Speaker 2: hid them from housekeeping each day by putting them in
Speaker 2: my suitcase so that they'd have to replenish them so
Speaker 2: I'd be like double. But I was asked the other
Speaker 2: day by someone. They were like, oh, I never take
Speaker 2: the stuff from the hotel because I'm never going to
Speaker 2: use it. And I was like, they're so good for travel.
Speaker 2: One they're good for travel, but also I would actually
Speaker 2: advocate still hoarding those things, like if you go on
Speaker 2: a holiday and you've got some additional amenities or toilet
Speaker 2: trees that you could pick up. My favorites are like
Speaker 2: where they have the individually wrapped toothbrushes and stuff because
Speaker 2: share the dignity each year do there it's in the
Speaker 2: bag campaign, or you get an old handbag, or you
Speaker 2: go to the op shop and buy a bag, or
Speaker 2: you could just put it in any bag and you
Speaker 2: feel it full of a heap of like toilet trees
Speaker 2: and useful things for women going through situations where they
Speaker 2: might not have those, And so for me, I just
Speaker 2: hold them. I have a plastic container in my room
Speaker 2: and I just like dump it in there, and then
Speaker 2: when these it's in the bag campaigns happen, I just
Speaker 2: like basically go, I have so much stuff. The same
Speaker 2: thing is true for like you know in Priceline does
Speaker 2: they're like, ah, they do a big sample bag. So
Speaker 2: like if you spend like sixty five dollars in store,
Speaker 2: you get this massive sample bag, and that's cool. You
Speaker 2: can read it and take all your favorite things. But
Speaker 2: let's be honest, you don't use everything. Sure, So like,
Speaker 2: save the bag, save the product, and donate it to
Speaker 2: somebody who needs it.
Speaker 4: Yeah. I love that idea.
Speaker 5: I love that idea.
Speaker 2: It's really cute.
Speaker 5: That's great, especially coming Christmas time.
Speaker 2: V what a great idea. Exactly what else have you
Speaker 2: got back?
Speaker 6: Okay, so this next one comes from Soften, who has
Speaker 6: said that her and him mum kind of are susceptible
Speaker 6: to sensitive and acne prone skin. So what could do
Speaker 6: is exactly so they do have products that are prescribed
Speaker 6: by a dermatologist.
Speaker 2: Expensive.
Speaker 5: Yeah, and so with this this is.
Speaker 6: Probably something that maybe a lot of us already do,
Speaker 6: but it is a good refresher for me. It was
Speaker 6: at least as well, because if you get to the
Speaker 6: bottom of a product and it's you can't physically squeeze
Speaker 6: anymore out all of us, I think, I feel like
Speaker 6: most of us will chuck it out.
Speaker 2: But instead, what you could do you just.
Speaker 6: Cut that bad boy over. Yeah, of course, maybe mix
Speaker 6: it with a little bit of water. Yeah, absolutely, you've
Speaker 6: got I'm gonna.
Speaker 5: Say, at least like a quarter bottle left, you know
Speaker 5: what I mean?
Speaker 4: Totally crevices.
Speaker 5: The crevices really get in there, and like.
Speaker 2: Someone who loves skincare. I am always breaking open the package.
Speaker 2: I did not pay this much to not use the
Speaker 2: whole thing totally.
Speaker 6: Toothpaste as well, like any product you have, And do
Speaker 6: you guys do that with the shampoo in your shower.
Speaker 5: Put a little bit of water.
Speaker 2: Feel like at the start of the shampoo bottle, I'm
Speaker 2: like squeezing heaps out and then it starts to get
Speaker 2: real loan, and then I'm like a little bit more frugal.
Speaker 2: Then it gets real low and I'm like shaking it
Speaker 2: up with water and using it sparingly, and I'm like,
Speaker 2: why can't I be consistent?
Speaker 6: I know, I know, but that's basically what often suggests,
Speaker 6: which is great, especially if you are spending a lot
Speaker 6: of money on Dermatologically tested and prescribed products get quite expensive.
Speaker 2: So if you're getting scripts, please make sure you're going
Speaker 2: to the discount chemists.
Speaker 5: Yes, please get a generic version.
Speaker 2: Smart work smarter, not harder, exactly exactly, Beck, what's your
Speaker 2: broke tip?
Speaker 5: So my one? This is one that I do with
Speaker 5: my best friend Olivia. I always talk about it when
Speaker 5: we're sick.
Speaker 6: What we do for each other is we'll make like
Speaker 6: the cheapest ever chicken soup, which is literally hot water.
Speaker 5: You know Misseell's chicken stock.
Speaker 2: Ye, great chicken stock. It's also vegan.
Speaker 6: It's also vegan, but it's the tastiest chicken stock I've
Speaker 6: ever had. And because it's so full of flavor, you
Speaker 6: don't have to use much, So I'll use a tea
Speaker 6: spoon in a mug.
Speaker 2: Oh yeah, I may broad and drink that when I'm
Speaker 2: not well too.
Speaker 5: Yes, And then frozen veggies, and that is.
Speaker 2: I don't even do the frozen veggies. I'm just out
Speaker 2: here drinking chicken stock. Yeah, I do.
Speaker 6: I often do, just drink the chicken stock. But I'm like,
Speaker 6: if I want some maybe some more nutrition, would you.
Speaker 2: Put any light noodles in it? Or is that too fancy?
Speaker 5: This is optional.
Speaker 6: You can do rice, you can do noodles if you
Speaker 6: have the budget for that, if you don't, if you
Speaker 6: literally just living by I don't know, two cents a
Speaker 6: week or whatever.
Speaker 2: But it's also really wholesome, Like when you're not whole,
Speaker 2: like and you're laying in bed and you just feel
Speaker 2: like trash hot drink, like swapping it out for tea,
Speaker 2: it just feels so much more nourishing.
Speaker 5: It feels really good.
Speaker 2: Yeah, and it's.
Speaker 5: Really really good for you.
Speaker 6: So yeah, I would recommnd it's less than eight dollars
Speaker 6: and that will last for.
Speaker 2: The whole tin. Yeah, Like it goes.
Speaker 6: On four dollars, and then the frozen veggies can be
Speaker 6: up to like four dollars as well, so that will
Speaker 6: last you, honestly, one, two, three weeks.
Speaker 2: Maybe that's something you should actually pick up, like if
Speaker 2: you see it on sale, because it's usually like four bucks.
Speaker 2: So like tin you see it on sale. That's one
Speaker 2: thing I reckon everyone should have in their pantry as
Speaker 2: kind of like a staple totally, like especially them a
Speaker 2: seal one because it's vegan, so it means that bastically
Speaker 2: any of your guests can have it. You can have it.
Speaker 2: But like pop with some rice, you've got a very
Speaker 2: cheap rosotto, Yes, yes, absolutely, but in a cup you
Speaker 2: have chicken soup.
Speaker 5: I live and die by this stock.
Speaker 2: It is delicious being sponsored by them if they don't
Speaker 2: need to pay for this, we already stand you.
Speaker 5: That's right exactly.
Speaker 2: Oh my gosh, I love that. Alright, let's go to
Speaker 2: a really quick break because on the flip side, we're
Speaker 2: going to talk about supporting a savings mindset, which I
Speaker 2: think is really important and probably a good reminder because
Speaker 2: we're about to go into a new year. But then
Speaker 2: we're also going to be talking about you slipped into
Speaker 2: our DMS this week, and this one resonated with us
Speaker 2: keeping up with the ever increasing cost of living, guys,
Speaker 2: don't go anywhere.
Speaker 4: Welcome back, everybody. Let's take a listen to the money
Speaker 4: dilemma for the week.
Speaker 2: Hi, there, have you got a money dilemma you just
Speaker 2: can't solve that. She's on the Money Team is here
Speaker 2: to help. Every week we tackle your dilemmas, both big
Speaker 2: and small, to answer your most burning money, career and
Speaker 2: life questions. To get involved, simply head to our website
Speaker 2: and leave us a short voice recording and you might
Speaker 2: just find yourself on the show. Now, let's take a
Speaker 2: listen to this week's money dilemma.
Speaker 7: Hi, She's on the Money Team. My partner and I
Speaker 7: are going to Europe for six weeks and the trips
Speaker 7: are about six months. We've both been saving really really
Speaker 7: hard to make sure that we can afford it, but
Speaker 7: with holiday season just around the corner, I really want
Speaker 7: to be able to go do date nights and have
Speaker 7: nice and while all this fits into my budget, I
Speaker 7: can't help get over the thought in the back of
Speaker 7: my head that says that I should be saving the
Speaker 7: money for Europe rather than spending it now, so that
Speaker 7: we can do something more memorable. Is there a way
Speaker 7: that we can have the best of both worlds or
Speaker 7: some way I can change my mindset to make me
Speaker 7: feel less guilty about wanting to do these nice things.
Speaker 2: Thank you. I think this is a really good question, actually,
Speaker 2: and I mean we want to talk about supporting a
Speaker 2: saving's mindset, which is what that question was really about.
Speaker 2: I mean, not all of us can go to Europe,
Speaker 2: that would be nice, but also what are you doing
Speaker 2: when you get back from Europe? So I think, Jess,
Speaker 2: you've spoken about it before before you come home. And
Speaker 2: how much do you have in your account?
Speaker 4: Like seventy two cents so couldn't afford a chocolate bar adea.
Speaker 2: But like, obviously Jess doesn't regret that life is full living.
Speaker 2: I was young, you were young. You hadn't discovered cheese
Speaker 2: on the money yet, and there's lots to it, right,
Speaker 2: But I think you're in this great because you've just
Speaker 2: told us you're going to Europe for six weeks? How
Speaker 2: did you save for that six months? Could you please
Speaker 2: slide into our DMS, Like I want all the goss
Speaker 2: because even I can't save for a European holiday in
Speaker 2: six months. Like that's a lot, right euro expency. Their
Speaker 2: flights at the moment are insane. Anyway, moving on from that,
Speaker 2: how's your budget looking when you get home? Do you
Speaker 2: already have a good emergency fund? What is that going
Speaker 2: to look like when you get home and you're relying
Speaker 2: on your emergency fund while you're on holiday. Should you
Speaker 2: be setting up an emergency fund for the holiday that
Speaker 2: when you get home you can go right, well, I
Speaker 2: can just check that in my pre existing emergency fund
Speaker 2: and actually be in a really solid financial position when
Speaker 2: I get home. What does that actually look like? And
Speaker 2: then go Okay, this is a really good example, and
Speaker 2: I'm not saying it's entitled. I totally get it. Like,
Speaker 2: if I have a holiday booked, I still want to
Speaker 2: live my best life with my husband, But can we
Speaker 2: have our cake and eat it too? Like you're going
Speaker 2: to Europe? Should we be compromising in the short term
Speaker 2: to go No? I Like, I'm just gonna wait and
Speaker 2: have an extra bougie time abroad or I'm just gonna
Speaker 2: wait and you know, really live up the experience, like
Speaker 2: what does that actually look like to you? So for me,
Speaker 2: in the lead up to a holiday, I'm often very
Speaker 2: frugal because I'm like, oh, I feel guilty that I'm
Speaker 2: already spending X amount on this holiday and coming into
Speaker 2: the summer months, so easy to have cheap dates. Yeah,
Speaker 2: fish and chips on the beach. Like my husband and
Speaker 2: I when we lived a bit closer to a beach,
Speaker 2: we often would like cook our dinner as normal Miley
Speaker 2: spoon because we've been there since twenty eighteen. Don't worry,
Speaker 2: guys would cook our Miley spoons, but would put it
Speaker 2: into tubwore containers and drop me in the car and
Speaker 2: drive down to the beach. And that would be our
Speaker 2: like beach date, like big bottle of soda water calling
Speaker 2: it a night like weeknight date, or on the beach
Speaker 2: we're eating our dinner, We're having a really good time.
Speaker 2: But like, life doesn't have to be expensive in the
Speaker 2: short term. I totally get wanting date nights and stuff
Speaker 2: like that. And if it's in lae of your values,
Speaker 2: I'm not saying no but you're asking because I'm assumed
Speaker 2: your feeling like you probably should be doing more and
Speaker 2: want a bit of a direction. And that's where I'm like, Okay, well,
Speaker 2: what's your current emergency fund to look like? Do you
Speaker 2: have any debt right now? Because sometimes people do save
Speaker 2: up for a holiday, but they still have debt. Could
Speaker 2: you be smashing some more of that down before you
Speaker 2: go on holiday, or even putting that money aside as
Speaker 2: like a in case, and then when you get home
Speaker 2: having a plan to smash down some more debt. What
Speaker 2: does that look like? Just what would you do? I mean,
Speaker 2: you've come home before from holidays with literally like seventy
Speaker 2: cents on your account, and that's really relatable. But if
Speaker 2: you could have your cake and eat it too, what
Speaker 2: cake would you be eating it? And wet?
Speaker 4: I think it just it comes down to priorities. Like
Speaker 4: for me, if you say to hey, I'm going away
Speaker 4: in four weeks, we could go out, you know, to
Speaker 4: the pub once a week for date night relatively cheap
Speaker 4: feed call it fifty bucks, that's.
Speaker 2: Which would be going to because that's real cheap.
Speaker 4: I'm assuming no alcohol, Oh okay, just a pub feed
Speaker 4: or a parma.
Speaker 5: It somewhere.
Speaker 2: Yeah, we met in Palma. You could get for like
Speaker 2: twenty four bucks. Recon could do that kill in our DMS.
Speaker 2: People are going to be like Pott and farmers on
Speaker 2: my side of town at eighteen dollars. What are you
Speaker 2: talking about, Victoria.
Speaker 5: I don't know because I've never bought a pot and parma.
Speaker 5: I thought you're gonna say.
Speaker 4: People are going to come saying it's not a palmer
Speaker 4: at the PARMI I'm not having.
Speaker 2: That conversation because it's actually a parma.
Speaker 4: So back on track. So let's assume fifty bucks a
Speaker 4: week on a super cheap date night feed. That's two
Speaker 4: hundred bucks in the four weeks before you go away.
Speaker 4: Like for me, I would rather skip the fifty dollars meal,
Speaker 4: do something at home, and then spend two hundred bucks
Speaker 4: on a nice dinner at the Amalfi Coast. Like for me, Jimmy,
Speaker 4: I think if you as much as you want to
Speaker 4: have those date nights, and I think that's so fine.
Speaker 4: I definitely think it's worth being a bit more frugal now.
Speaker 4: And then, even if you've already budgeted for your experiences
Speaker 4: in Europe, can you maybe make something a bit more
Speaker 4: because like when you go away, there's things always come up.
Speaker 4: You go, oh, like we've booked the restaurant, but I
Speaker 4: would like to get the nice steak instead of the salad.
Speaker 2: That was asked when we did Europe last year. Yeah,
Speaker 2: but I reckon we did your pretty well, Like we
Speaker 2: did a whole heap of fancy things, so like you
Speaker 2: might have seen on Instagram, we're gonna und to these
Speaker 2: really nice restaurants. But in between we would often like
Speaker 2: go to like Marks and Spencers because we're in the
Speaker 2: UK for a lot of bits. Bloody loved and it
Speaker 2: was so good, right, and we get like the meal
Speaker 2: deal and it'd be like a sandwich and a snack
Speaker 2: and a drink for like a very cheap price, like
Speaker 2: what you can kind of get a seven eleven nowadays.
Speaker 2: You know where you go in you get like a
Speaker 2: sandwich and a snack and a drink and you're just like,
Speaker 2: this is a good deal. And then we go eat
Speaker 2: it in a park and that worked so so well,
Speaker 2: So I feel like we had this really good balance.
Speaker 2: I can sometimes we just go to the supermarket and
Speaker 2: buy a few deli items and share them and grab
Speaker 2: a like a loaf of bread basically, and those were
Speaker 2: some of my favorite lunches. Yeah, like those were some
Speaker 2: of my favorite experiences while traveling because Jess, how much
Speaker 2: did we love going through the French supermarket?
Speaker 1: Oh?
Speaker 2: It's so fun? Like how many different butters do they need? Actually? Literally? Beck, like,
Speaker 2: why have they got different butters? They have like condiment
Speaker 2: butter and then cooking butter.
Speaker 4: Oh my god, we just.
Speaker 2: Have cooking butter.
Speaker 4: A French day had to do it. To do it,
Speaker 4: I would say, just look at how much do you
Speaker 4: want to do this thing now versus what could that
Speaker 4: get you in Europe? Because I feel like a lot
Speaker 4: of the time, if you're making that match up, you're
Speaker 4: probably gonna want to just pocket it away and save
Speaker 4: it up so you can have a real fun. But
Speaker 4: that's so true.
Speaker 2: What would you do?
Speaker 6: Look, you know, I'm the kind of person that wants
Speaker 6: to have my cake and eat it too.
Speaker 2: What you say, and where are we eating it?
Speaker 5: I'm eating all of them and everywhere.
Speaker 6: I would also say, just like you know, date nights,
Speaker 6: as you're saying, be like, they don't have to be
Speaker 6: super expensive, Like nothing you do that sparks joy has
Speaker 6: to be super expensive, Like you can you know. Obviously
Speaker 6: I've kind of gone back into the dating world, so
Speaker 6: I'm kind of finding things that are a little bit exciting,
Speaker 6: but like, I don't know, pick up some like reflex
Speaker 6: cards or conversation cars and like go sit in the
Speaker 6: park with a five dollar bottle of red wine.
Speaker 2: So fun.
Speaker 6: Yeah, it's so fun just doing that kind of thing,
Speaker 6: or like just make some fairy bread and take it
Speaker 6: to the park or whatever you want to do, Like
Speaker 6: do something that's honestly costs, like air, dry clay, you
Speaker 6: know what I mean, make something for you.
Speaker 2: Jess and I when we were in Europe, it wasn't
Speaker 2: just Ess and I. There was a group of girls
Speaker 2: that we went with. We played the game Heads Up.
Speaker 2: It's a free but like that was really fun and
Speaker 2: we'd do that in the park while having our sandwiches
Speaker 2: and stuff. And it's just a bit lame. Actually that's
Speaker 2: a good Christmas present recommendation. A couple of years ago,
Speaker 2: I was gifted a picnic basket and I remember being like,
Speaker 2: I don't go on picnics. This is awkward, but it's
Speaker 2: a picnic basket. And do you know what you could do?
Speaker 2: You go to the op shop and get one of
Speaker 2: those real cute old school baskets and feel it full
Speaker 2: of like you know, two cups, two plates, you know,
Speaker 2: some disposable or reusable sorry cutlery that all of it's plastic.
Speaker 2: That would make an epic gift because that's then you
Speaker 2: being able to take your date nights out and about
Speaker 2: and around like totally. You don't have to have a
Speaker 2: proper picnic. You can just package up your Marley spoon
Speaker 2: like I do, go down, but at least you've got
Speaker 2: some reusable plastic cups that are not going to break,
Speaker 2: and a place to put your stuff to travel and
Speaker 2: it just feels nice. Yeah, get your like portable speaker
Speaker 2: that basically everybody has chucked that in there. Maybe a
Speaker 2: little beach towel. We don't need a proper picnic blanket.
Speaker 2: Couple of beach towels, and you've got a good date night.
Speaker 5: Yeah. Absolutely.
Speaker 6: It can be really cheap and so fun trying to
Speaker 6: find ways to not spend money.
Speaker 2: So yeah, just try and then shut. We can try
Speaker 2: a different beach, we can try different parts, we can
Speaker 2: you know, go somewhere else. I love it, but I
Speaker 2: also think it's important to have a savings mindset as well,
Speaker 2: and that's where we want to talk about the future
Speaker 2: and go, well, actually, what's life look like past Europe?
Speaker 2: Because I think so many of us see that as
Speaker 2: the destination and then forget that when you come back,
Speaker 2: the real world's going to hit you. And earlier this
Speaker 2: episode you were saying, you know, if you've been on
Speaker 2: a big holiday, you come back poor. That's very common
Speaker 2: as well, So I think we need to kind of
Speaker 2: like do a good mix of both. Yeah, all right,
Speaker 2: let's get into our DM of the week. Are you
Speaker 2: guys ready, so ready excited? Actually, are you excited? I'm excited.
Speaker 5: It's the goss.
Speaker 2: Let's recap on the DM that we got this week,
Speaker 2: because I think we're all going to have different opinions
Speaker 2: this week. The DM reads, She's on the money. I
Speaker 2: need event. Is anyone else struggling with a rising cost
Speaker 2: of living? Here's my current sitch. I got paid twenty
Speaker 2: four hours ago, I've paid all my bills, Queen, and
Speaker 2: I only have fifty five dollars left to last me
Speaker 2: a whole week. Oh, I'm feeling so stressed and so hopeless.
Speaker 2: On top of this shitty feeling, I've had to pause
Speaker 2: my charitable donations and now I'm feeling full of guilt.
Speaker 2: I feel so bad having to cancel them, but I
Speaker 2: simply can't afford them anymore. We'd love to know your
Speaker 2: thoughts on this and other things people are having to
Speaker 2: give up due to this rising cost of living. I
Speaker 2: feel so lucky that I still live at home, and
Speaker 2: I can't imagine what it would be like for those
Speaker 2: who are struggling to pay rent or have kids that
Speaker 2: they need to support. Not really a question, I guess
Speaker 2: just wanted to have an open chat about this. Thank
Speaker 2: you so much in advance for all your support. Love
Speaker 2: heart emoji.
Speaker 4: Feels seriously I totally.
Speaker 6: I mean, I feel like everyone in this room totally
Speaker 6: gets that we've all been there and it is stressful.
Speaker 6: And I guess, like something I mentioned a couple weeks ago,
Speaker 6: like do I'm sure she's probably already done this, so
Speaker 6: you know, I apologize if you already have, but like
Speaker 6: doing like a membership and subscription audit, look at all
Speaker 6: your ingoings and outgoings and see if there's anything that
Speaker 6: you actually just haven't even noticed yet, Like you could
Speaker 6: have a gym membership that you forgot about that keeps
Speaker 6: coming out of your account and you're just like, I
Speaker 6: actually don't need this anymore, and you know, kind of.
Speaker 5: Just do it like a beg ordered of that.
Speaker 6: But honestly, if you've paid everything off, there's no better
Speaker 6: feeling than being like, Okay, there's no one out there
Speaker 6: that's waiting for me to pay money. I am broke,
Speaker 6: but I also am not being chased, and the feeling
Speaker 6: of anxiety from that if you don't have that there,
Speaker 6: it's just so freeing. So, yes, you do have fifty
Speaker 6: five dollars for the rest of the week. And I
Speaker 6: think this is where just like trying to find ways
Speaker 6: to eat as cheap as possible, it really does suck
Speaker 6: when you're kind of in this position because nutrition is
Speaker 6: not your main priority. It's literally just existing and not
Speaker 6: dying from starvation. So prioritize the Maslow's hierarchy of needs
Speaker 6: in this point, yes, and think about pop Off queen.
Speaker 2: I think it's so kind though, like, yeah, the fact
Speaker 2: that you feel bad that you can't donate, but you're
Speaker 2: in a situation where you only have fifty five bucks
Speaker 2: left for the week, totally, it's so interesting. I've seen
Speaker 2: a lot on social media. I would say over the
Speaker 2: last couple of weeks of people, you know, talking about Christmas, right,
Speaker 2: and some people have said I'm really rich, and like,
Speaker 2: here's how I stay rich. I just don't buy gifts
Speaker 2: for people, and I don't ask for gifts for people,
Speaker 2: and I just go, okay, like that's fine for you.
Speaker 2: But from my perspective, the more money I come into,
Speaker 2: I just look at it and go, this is so
Speaker 2: much more impactful, like, look at how many people I
Speaker 2: could help. And like, you know, Jess and I are
Speaker 2: both on the same page. Both of us have the
Speaker 2: love language of gift giving. I am she gave me
Speaker 2: a present today. There's a cup holder, like it's a
Speaker 2: it goes on my Stanley cup and you can put
Speaker 2: snacks in here, so if you have snacks and drinks together,
Speaker 2: and I love it. Gift receivings not a love lianguage
Speaker 2: of mine, but I'm obsessed because I know it's one
Speaker 2: of Jess's. I'm genuinely excited about that. But both Jess
Speaker 2: and I love giving gifts, and I feel like the
Speaker 2: more opportunity I have to give gifts, especially ones that
Speaker 2: I'm like, oh, Jess wouldn't be able for that, I'm
Speaker 2: going to get it for her anyway, Like I love it.
Speaker 2: It's my favorite thing in the world. And that's the
Speaker 2: feeling I'm assuming people get when they are donating to charity.
Speaker 2: It's why I donate to charity. I do a lot
Speaker 2: of that because it's in line with my values. If
Speaker 2: you guys don't know, I'm on the board of a charity,
Speaker 2: Like I am so donations driven because I think it
Speaker 2: is so important. But when you have fifty five dollars
Speaker 2: to your name, it is about the thought is not
Speaker 2: about putting money where your mouth is. I am so
Speaker 2: fascinated by the concept that the less we have, the
Speaker 2: more we often give, like you know, the rich or
Speaker 2: rich because they're super rich. Like it's I wrote an
Speaker 2: article for The Age and the City Morning Herald a
Speaker 2: couple of months ago, and it was literally why I
Speaker 2: didn't think billionaires should exist nobody. From my perspective, I
Speaker 2: will argue this until I'm blue in the face. No
Speaker 2: one needs a billion dollars back, not one person. You
Speaker 2: can live a very good life, but look how much
Speaker 2: you could impact people and you're choosing not to. Yeah, anyway,
Speaker 2: there's a lot that we could say on charity, but
Speaker 2: Charity is beautiful when you can afford it, not at
Speaker 2: the cost of your own living, not at the cost
Speaker 2: of you being able to put food on the table,
Speaker 2: of you being able to pay bills. You know what,
Speaker 2: that's one of those things that we go that's so nice.
Speaker 2: Let's put that on the goals list for when I
Speaker 2: have more cash flow, when I have more money. But
Speaker 2: right now, you are not going to be able to
Speaker 2: pour from an empty cup, And an empty cup looks
Speaker 2: like you don't have enough savings, you don't have an
Speaker 2: emergency account, you might be in debt, you might be
Speaker 2: just struggling week to week. There is no shame in saying, look, sorry,
Speaker 2: I can't do charitable donations. They are one of the
Speaker 2: first things to go. Please, don't get me wrong, Like,
Speaker 2: charity is very close to my heart and it breaks
Speaker 2: my heart sometimes to be like, oh, maybe we can't
Speaker 2: afford this, but promise there's somebody else, and what goes
Speaker 2: around comes around. But also, just donating to charity doesn't
Speaker 2: make you a nice person. Just putting money towards things
Speaker 2: doesn't make you immediately inherently better. In fact, I would
Speaker 2: prefer more understanding people than more people with money so
Speaker 2: I think it's just so important to just go that's
Speaker 2: actually okay, you can let go of that. You don't
Speaker 2: need to donate, especially during a period of time where
Speaker 2: you're financially crippled, Like that's not fair to put that
Speaker 2: pressure on yourself.
Speaker 4: Holy you might need to lean on some of those resources,
Speaker 4: like a local pantry or something like that. The other
Speaker 4: thing I would say is they might feel conflicted about
Speaker 4: giving up their charity because it is something that's a
Speaker 4: really core value to them. And like, obviously if they're
Speaker 4: debating that, I completely understand. Could I suggest looking at
Speaker 4: donating blood?
Speaker 2: Oh yeah, and so important this time of year, no
Speaker 2: one has time, so they all let it dwindle and
Speaker 2: then our blood supplies across the country go down.
Speaker 4: Yeah, so I would really recommendating. But obviously it's free.
Speaker 4: It just takes your time, You get a free snack,
Speaker 4: you get fed when you're there as well, which is
Speaker 4: a huge perk. And it's always like the people are
Speaker 4: so lovely, you have such a good chat, you can
Speaker 4: chill out for a little bit. I feel like that's
Speaker 4: a great option. Or you could also look at volunteering.
Speaker 4: I know a lot of charities do Christmas drives like
Speaker 4: at their soup kitchens, or they do gift wrapping for
Speaker 4: gifts that they're distributing to children and things like that.
Speaker 4: So if you can't pay, like girl, I get it,
Speaker 4: Like I fully understand, and I see you, and I
Speaker 4: know that would be a really awful feeling, especially if
Speaker 4: it is close to your heart, and feeling like you
Speaker 4: have to give up a piece of you or something
Speaker 4: that you're really proud or excited to be involved in.
Speaker 4: But you need to put yourself first, And I guess
Speaker 4: the compromise is maybe volunteering your time, if you're able
Speaker 4: to do that instead, is still so important and so needed,
Speaker 4: and a lot of people aren't able to do that,
Speaker 4: so maybe you can fill a gap in that way
Speaker 4: and still continue to fill your cup and have an
Speaker 4: impact and do good things. But also if you don't
Speaker 4: have the time, I think.
Speaker 2: It can stay at core value.
Speaker 4: It can stay a core value. You need to look
Speaker 4: after yourself, and I don't want you to feel guilty
Speaker 4: because you can only do what you can do, and
Speaker 4: it's tough times out there for everybody, and we need
Speaker 4: you to look after yourself first before you can help others.
Speaker 5: So true, what did the community say.
Speaker 2: So before we get to what the community said, we
Speaker 2: asked them a few questions. So we said, are you
Speaker 2: also struggling with the rising cost of living? Sixty nine
Speaker 2: percent of you said heck yes. Thirty one percent of
Speaker 2: you said heck yes times too. We asked, do you
Speaker 2: give charitable donations? Twenty nine percent of our community said yes,
Speaker 2: seventy one percent said no. Next, we asked, if yes,
Speaker 2: have you had to cut back on these charitable donations
Speaker 2: due to the rising cost of living? Fifty seven percent
Speaker 2: of you said unfortunately yes. So this isn't just you,
Speaker 2: my friend, this is across the board. It's something that
Speaker 2: we yeah, we see a lot. I am on the
Speaker 2: board of TLC for Kids, which is a children's charity
Speaker 2: that is very very close to my heart, Like I'm
Speaker 2: obsessed with them. If you guys have seen me in
Speaker 2: person talking about it, like in an event or something,
Speaker 2: it's so hard for me not to cry when I
Speaker 2: like fully like go oh, this is what they do
Speaker 2: and this is how we do it. This is how
Speaker 2: we're supporting them today. I'm like I break anyway. We
Speaker 2: see it at TLC as well, Like everybody cuts back.
Speaker 2: It's No, we actually would prefer you to put yourself
Speaker 2: first because it means that you're going to be healthy
Speaker 2: and well and income generating in the future, and then
Speaker 2: we can join back up having sash on a charity.
Speaker 2: We don't look at it and be like, oh, I
Speaker 2: can't believe people aren't. We're like, it's a tough time
Speaker 2: for everybody. End of story. But then we ask the community,
Speaker 2: what have you had to cut back on? This one
Speaker 2: broke me. Someone said joy and I was like, oh,
Speaker 2: don't say that. Other people said things that are really relatable,
Speaker 2: so ubery, it's date nights, dining out. Someone said my
Speaker 2: car had to cut back on that. Entertainment subscriptions. Someone
Speaker 2: said buying meat. They've said in brackets it's not the
Speaker 2: worst thing. I'm saving some cash, but that's something that
Speaker 2: would have usually been in the budget. I think smart
Speaker 2: like introducing a meat free Mondays or something can actually
Speaker 2: save some money in the budget.
Speaker 4: And has an on the environment too.
Speaker 2: Yes, someone said I'm no longer treating myself to things
Speaker 2: like my hair and my nails. They're not necessities, but
Speaker 2: I really did enjoy them and I will get them
Speaker 2: back one day. Someone said definitely, no more hair and
Speaker 2: nail appointments for me. I'm gonna have to learn to
Speaker 2: diym idea. Why my nails I now great? Thank you,
Speaker 2: I've been practicing. I can do yours later if you want.
Speaker 2: But I love doing my nails. It's like a little
Speaker 2: self care practice. Got a fifty dollars kit. That's where
Speaker 2: I started. Got it at pricelt. She does a good job.
Speaker 2: Someone said, Bougie, yes, but I had to cut back
Speaker 2: on pedicures and pushing my brows from three weeks to
Speaker 2: five weeks. Someone said, no more Pilates memberships for me.
Speaker 2: Lots of people are saying eating out now appointments, et cetera,
Speaker 2: et cetera. Some other people have said, hey, I've had
Speaker 2: to pause my health insurance for a couple of months.
Speaker 2: Someone said they're doing without my car insurance at the moment.
Speaker 2: Someone else said that they're skipping tapping on their my key.
Speaker 2: We can't endorse, but can't indoors, but get it very
Speaker 2: sounds risky, like are you going to get slapped with that?
Speaker 2: Like is it two hundred and eighty eight dollars or
Speaker 2: something that's wild? And then obviously lots of people are saying, look,
Speaker 2: diversity in food.
Speaker 4: I e.
Speaker 2: I'm now just shopping for cheap staple items and trying
Speaker 2: to just keep my belly full, which I think is
Speaker 2: honestly really relatable. And you're not alone in that, Like
Speaker 2: there were hundreds of people that responded to that, and
Speaker 2: I can promise if they're not able to keep those
Speaker 2: things in their budget, they're not donating either. Yeah, So
Speaker 2: I think it's about intent. I think it's about caring
Speaker 2: about people and putting other people first, but not always
Speaker 2: because you can't pour it from an empty cup, So
Speaker 2: fill up our own cups, make sure that we are
Speaker 2: healthy and nourished and okay, because this too shall pass,
Speaker 2: and then we can get back to those things that
Speaker 2: really spark a lot more joy. And I think that
Speaker 2: that's the fairest way to approach it, and just literally
Speaker 2: the smartest way to approach it. Like you can't be
Speaker 2: expected to save the world on your own, Like the
Speaker 2: weight of the world doesn't exist to be on your shoulders,
Speaker 2: it's spread out.
Speaker 5: Yeah, totally agree.
Speaker 2: Well, my friends, that's probably enough from us today. It
Speaker 2: has been a pleasure. As always, don't forget who we
Speaker 2: are Australia's number one business podcast, thank you and we
Speaker 2: will see you on Monday, bright and early for money daries.
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