Speaker 1: Hello, my name is Santasha Nabananga Bamblet. I'm a proud
Speaker 1: or the Order Kerni Whaltbury and a waddery woman. And
Speaker 1: before we get started on She's on the Money podcast,
Speaker 1: I would like to acknowledge the traditional custodians of the
Speaker 1: land 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. She's on the Money. She's on
Speaker 2: the Money. Hello, and welcome to She's on the Money,
Speaker 2: the podcast that makes personal finance fun, especially on Fridays.
Speaker 2: It's our favorite day of the week because we get
Speaker 2: the team together and we get to celebrate you, our
Speaker 2: incredible She's on the Money community. Miss Jesse Ricci is
Speaker 2: here as always to share our favorite money wins from
Speaker 2: the week that was. Beck is here to share her
Speaker 2: favorite broke tips, and we're going to be helping to
Speaker 2: answer money dilemma, which this week is all about protecting
Speaker 2: yourself from scams, which is very timely as I myself
Speaker 2: almost fell victim to a scam recently and something that
Speaker 2: you slid into our teams about. We're chatting about navigating
Speaker 2: an extended unemployment break, which can be really hard and
Speaker 2: often unforeseen. So I feel like this episode is going
Speaker 2: to be really fun and very diverse, from like getting
Speaker 2: scammed to being unemployed, to talking about money wins and
Speaker 2: confessions I broke tea. I just feel like there's going
Speaker 2: to be a lot of juicy stuff in this week.
Speaker 2: But before we get there, my friends, jess Beck, how
Speaker 2: are your weeks?
Speaker 3: Go?
Speaker 2: First? Please? My week's been good. What have I been doing?
Speaker 3: Not much planning for I'm throwing outdoor movie night at
Speaker 3: my house.
Speaker 2: Oh my god, I've seen it on TikTok on my
Speaker 2: tax treat to myself.
Speaker 3: I think I told the potty last year was I
Speaker 3: bought a projector and I was like, oh, the weather
Speaker 3: is so nice, like it would be really fun. And
Speaker 3: then I found this like vintage looking popcorn machine on
Speaker 3: Facebook marketplace for twenty dollars, I bought.
Speaker 2: A proper like it looks like one of those it's
Speaker 2: like mini but like one of the ones that the
Speaker 2: movies had. That's cool.
Speaker 3: You know how I feel about movie popcorn an investment,
Speaker 3: but yeah, I want to make it like a whole
Speaker 3: big thing, like all themed and cut. See I want
Speaker 3: to throw like a again. I feel like I've told
Speaker 3: you guys this by last year.
Speaker 2: One of my goals.
Speaker 3: You don't even like events or themes at all. I
Speaker 3: want to throw a themed dinner every month. Last year
Speaker 3: and I did not throw a single one good shirt.
Speaker 3: So I carried it over to this year.
Speaker 2: That's what I thought.
Speaker 3: So I'm starting with like Dina movie night, but that
Speaker 3: is so what.
Speaker 2: Else is on the menu? We have to know? So
Speaker 2: we've got the popcorn. Well, this is what I'm trying
Speaker 2: to figure out.
Speaker 3: So I wanted to do like vintage diners feel, so
Speaker 3: I went hot dogs fries, but I'm still trying to think.
Speaker 2: Of what else.
Speaker 4: This is actually a really weird time, just because literally
Speaker 4: tomorrow I'm having a movie thing as well, but with
Speaker 4: pizza buffet ice cream, like you know how they have
Speaker 4: the jelly, the brownies, the sprinkles.
Speaker 2: I'm gonna do all that. That's so fun. So maybe
Speaker 2: could like you need to get chop tops. I imagine, yes,
Speaker 2: I think a banana split, like you have to have
Speaker 2: a just feel like yeah, but like Dina vibes, like
Speaker 2: a banana split like station so you can like decorate
Speaker 2: your own. Yes, yes, yes, the station would be I
Speaker 2: don't even think that would be expensive because you'd like
Speaker 2: to get some bananas, some tuber Neapolitan ice cream, and
Speaker 2: then like some sprinkles and chips cream or the spray
Speaker 2: whipped cream. It has to be the spray definitely. Now,
Speaker 2: I don't know what your budgets looking you like, but
Speaker 2: you get a big.
Speaker 3: Red drape outside something to hang it on.
Speaker 2: Is the annoying thing? Really good idea that's cute? That
Speaker 2: was very cute. Milkshakes like spiders Friday milkshakes. You could
Speaker 2: do like, oh my gosh, could you find I'm just
Speaker 2: going to take this to the next level. Could you
Speaker 2: find on Amazon, like the old vintage milkshake glasses. I
Speaker 2: have a few.
Speaker 3: Stress Yeah, I have red and white striped straws. Yeah,
Speaker 3: I bought a little you know what what's gonna sayd
Speaker 3: like that? I promise, I promise you guys. Not the
Speaker 3: reject shop. You know we always talk about the regis
Speaker 3: such good stuff they had, Yeah, they had little like
Speaker 3: you know, the plastic baskets that they put food in
Speaker 3: a diners and stuff.
Speaker 2: Like a little red Yes, oh my gosh, yeah, I
Speaker 2: think you should.
Speaker 4: When everyone walks in, give people their ticket and then
Speaker 4: be like okay, can you line back up, and then
Speaker 4: be like and you look at it, you rip it and.
Speaker 2: Say number seven down the hall or whatever. I think
Speaker 2: you should fully be. You need a commit the whole.
Speaker 4: Day and everyone's like, oh, just like it's funny, but stuff.
Speaker 4: Now you're like no, You're gonna like yeah with your
Speaker 4: flashlight and you're gonna be looking at you know, don't
Speaker 4: be only friind make sure no one brings in their
Speaker 4: own snacks.
Speaker 2: You're gonna be very very strict. Maraschino cherries to go
Speaker 2: on top of the banana. Oh yes I did. And
Speaker 2: those wafer straws. Yeah, like the wafer I love a Corinthian.
Speaker 2: They actually only available at Christmas time. I hope you
Speaker 2: get usually, I think because I have been known to
Speaker 2: buy and eat a whole tup by myself. Also, you
Speaker 2: don't have a cost Co membership, but I know that
Speaker 2: your friend does. And I'm assuming your friend's going to
Speaker 2: be invited to the party, so you could ask to
Speaker 2: borrow it. They have many corn dogs at a cost cot,
Speaker 2: so you could like do the corn dog thing. And
Speaker 2: I feel like that's got Imagine a little corn dog
Speaker 2: and a little like tub of sauce in one of
Speaker 2: your little baskets. You you know what. I had one
Speaker 2: and it broke. It's very sad. What are you doing
Speaker 2: with a bay Marie.
Speaker 3: I led it to a friend that came back and
Speaker 3: then I put in my cupboard for months and then
Speaker 3: I it just disused or something and it just doesn't work.
Speaker 2: I feel like that's it. Also, could you turn it
Speaker 2: into a sleepover. Oh, that would be quite cute because
Speaker 2: you could have a sleep and then in the morning
Speaker 2: you could do like a diner breakfast, pancakes and stuff.
Speaker 2: Excited really racking up this the course of this, Yeah,
Speaker 2: one hundred percent. But like when Jess commits to a theme,
Speaker 2: Es commits to a theme, Yeah, you'd be a made
Speaker 2: So you can buy a secondhand to hats hats you
Speaker 2: need the little paper diner house. Oh my god, I'm
Speaker 2: sure you could like fold them out of some newspaper paper. Yeah,
Speaker 2: but like anyway, we'll move on. Oh yeah, it turns
Speaker 2: out just is having better week than everybody. So I'm sorry,
Speaker 2: what movie you watching that? I haven't picked the movie
Speaker 2: that Smile too. If you haven't watch Smiled one, then
Speaker 2: more Smile one.
Speaker 3: Sorry, continue to know these are but I'll put them consideration.
Speaker 2: I'm very excited. How's your week being? Has it been
Speaker 2: as good as Corinthians? I don't like, I don't think
Speaker 2: there's anything as good ass and I'll bring some in soon.
Speaker 2: I'm going to find.
Speaker 4: Them, please, I'm obsessed with Corinthians and there really is
Speaker 4: like a withdrawal period after Christmas. I'm glad that they
Speaker 4: to know that they sell them b.
Speaker 3: W that anyway.
Speaker 2: I don't know if this really not miss spreading innovation.
Speaker 2: It's very hard months. That's a podcast.
Speaker 4: It's been really good oding with a friend, but we
Speaker 4: both came from sharehouses and so we don't have any
Speaker 4: furniture literally nothing, Like we're like like buying oven trays and.
Speaker 2: Cutlery to buy.
Speaker 4: It. It does add up, but just these things and
Speaker 4: I'm like, I've never thought to buy so I'm like,
Speaker 4: where do you even get them from?
Speaker 2: Like I actually don't know where to buy an oven? Trade?
Speaker 2: Like not all camar?
Speaker 4: Do you need them to be like because I'm thinking
Speaker 4: they need to be pre rusted, but they just pre rusted.
Speaker 2: Do you know what? You could probably go to an
Speaker 2: op shop and find a lot of these things. Yeah,
Speaker 2: that's why I feel like people often donate their surplus,
Speaker 2: so it's not even like, oh, this one's broken off
Speaker 2: get rid of, Like I feel like there's lots of
Speaker 2: kitchen stuff. Yeah, I shop, but then also I found
Speaker 2: that sometimes op shops are getting a bit expensive, so
Speaker 2: like they maybe they are. Yeah, like maybe have a
Speaker 2: look at the prices and stuff that came up before
Speaker 2: you go in to the op shop, because you might go, oh,
Speaker 2: four bucks for a like ove and trade, that's a
Speaker 2: really good deal, Like they must be like fifty or
Speaker 2: something in your head, like maybe you just don't know
Speaker 2: how to price it, and then they're actually like three
Speaker 2: dollars that came out or something. You would be a
Speaker 2: pretty annoyed human being. Oh my god. Totally. I'm really noticed.
Speaker 2: Even with Marketplace, I'm noticing that people are like twenty
Speaker 2: dollars for this side table, and then I like, go
Speaker 2: on k Marts, is fifty dollars a kmart for the
Speaker 2: same exact ones, you know? But anyway, so it's been vigilance.
Speaker 2: You could give it slammed, vigilate, subtle foreshadowing.
Speaker 3: I think we need to hear a bit more about
Speaker 3: this scam that you almost fell victim to.
Speaker 2: I hit the jackpot, I did, so I was telling
Speaker 2: you off air about how obviously I am a finance
Speaker 2: crime girlie, Like I love crime. I have, you know,
Speaker 2: pipe dream one day to have my own like crime podcast.
Speaker 2: Who knows if that'll ever happen, Like that's just a
Speaker 2: pipe dream. As I said, I listen to true crime everything,
Speaker 2: So like you best believe your girl knows a fair
Speaker 2: bit about like skimming devices and how to scare people,
Speaker 2: because like I fall onto that side of TikTok, and
Speaker 2: if I'm not on that side of TikTok, I'm probably
Speaker 2: watching a documentary on it. Like I don't know what
Speaker 2: is wrong with me or what type of trauma I
Speaker 2: went through to make me so obsessed with this type
Speaker 2: of content. So like in the back of my head
Speaker 2: every time I go to get cash out, I just
Speaker 2: like have this dream that maybe one day I'll like
Speaker 2: spot as skimming device or something I did. I did.
Speaker 2: I did find a skimming device and I ripped it
Speaker 2: off the ATM and I got the cops involved. It
Speaker 2: sounds very dramatic.
Speaker 3: I know.
Speaker 2: Okay, so what like? So you went? So we went
Speaker 2: to the ATM. One of my most asked questions on
Speaker 2: Instagram when I said I found this was like, v
Speaker 2: why are you getting cash out? I was gonna say, Also,
Speaker 2: what do you buy a vape or something? Whose business
Speaker 2: is that? No? I wasn't buying a vape. Everybody who
Speaker 2: lives where I live knows that the good Fish and
Speaker 2: Chip Shop is run by Peter, who doesn't take card.
Speaker 2: He only does cash. Just kidding. Cash is King and
Speaker 2: Peter live love laugh. I will pay cash, and I
Speaker 2: will not question your business ethics because you do provide
Speaker 2: the good chippies. Like in anyone who gives you a
Speaker 2: good chippy.
Speaker 4: Do what ever they say, literally whatever they say exactly
Speaker 4: like you.
Speaker 2: Know who we love the most at the pub, the
Speaker 2: person who buys the chippies for the table. Yes, so true.
Speaker 2: So anyone with a good chippiees no question, no questions,
Speaker 2: no questions. That's why I was getting cash out. For
Speaker 2: those of you who are pervy. But I'm at the ATM,
Speaker 2: I'm in my bikini, I'm looking at the ATM suspiciously,
Speaker 2: as they always do, because I kind of want to
Speaker 2: manifest finding a scamming device because it would be peak
Speaker 2: life for me. And the plastic around the keypad looks suspicious.
Speaker 2: It was a little bit raised, and I was like,
Speaker 2: that doesn't look right, Maybe this is a crap ATM.
Speaker 2: And then I like look upside down and I'm like, oh,
Speaker 2: that light looks a little bit like not the plastic
Speaker 2: around the light didn't look fitted, and I was like,
Speaker 2: what the hell? And there was enough room in the
Speaker 2: light well air, you know, the light that shines onto
Speaker 2: the keypad. Yeah, to stick my finger probably a bad idea,
Speaker 2: could have been full of spiders. I don't think Jessica
Speaker 2: would have done it. I think she would have just
Speaker 2: been like, oh no, absolutely not. But I did. I
Speaker 2: chucked my finger in there and realized that it was
Speaker 2: like a little bit loose, like you know when you
Speaker 2: pull on something and it's like got double sided sticky
Speaker 2: tape on the other side, so you know it could
Speaker 2: quote easily come off, but you're not feeling like it's
Speaker 2: clipped in or anything. You're like getting that like resistance
Speaker 2: that's like this would come off with a little bit
Speaker 2: of force. Yeah, So I'm like, I could go to
Speaker 2: jail for like vandalizing this ATM, or I could achieve
Speaker 2: a life goal. Yes, so obviously I pulled it off.
Speaker 2: And I pulled it off, and the split second after
Speaker 2: it like actually like ripped off, I was like, oh
Speaker 2: my god, I've actually broken the ATMIC, like the panic
Speaker 2: of being like, oh, that actually worked, like I didn't
Speaker 2: mean that. And then I flipped it around and was like,
Speaker 2: I was right, it was a skimming device, but it's
Speaker 2: no attached to the plastic. Well, it just looked suspicious
Speaker 2: back And the more that I stared at it, the
Speaker 2: more I realized it was not actually like it was
Speaker 2: sticking a little bit up and like you wouldn't have
Speaker 2: noticed because it had been custom molded for this ATM machine.
Speaker 2: But anyway, pull it off and I flip it upside
Speaker 2: down to look at this piece of giant plastic that
Speaker 2: I've pulled off. There's Instagram pictures all over my Instagram
Speaker 2: of this if you want to see. I flip it
Speaker 2: over and there's two phone batteries hot glued to the
Speaker 2: back of this plastic piece. There's some wires, an SD card,
Speaker 2: and some other wires that went to a hidden camera,
Speaker 2: and I was like, what the heck. I didn't know
Speaker 2: what to do. Obviously, I ended up working out what
Speaker 2: to do, pulled it off, took a whole heap of
Speaker 2: videos of it. At the start, I wasn't even taking
Speaker 2: videos to post on social media. I was taking videos
Speaker 2: because I was like, I probably should give this to
Speaker 2: the police, and I probably should explain how I found
Speaker 2: it and why I was attempting to vandalize an ATM machine,
Speaker 2: because what are you going to do walk into the
Speaker 2: cop shop and be like, hey, policeman, So I actually
Speaker 2: found something that's helpful for you, but it was because
Speaker 2: I was vandalizing something I was trying to sell somebody. Yeah, like,
Speaker 2: but that's not what I was doing anyway. So found
Speaker 2: that got the police involved. Turns out it is obviously
Speaker 2: very serious crime. They're very interested in it because these
Speaker 2: things don't come up as often as I thought they
Speaker 2: might have. Just you were saying that one was in
Speaker 2: your area recently, which is literally like.
Speaker 3: The week before, I got posted in like a local
Speaker 3: you know, Facebook community group, someone saying they'd found one
Speaker 3: in like the main strip near me, which I think
Speaker 3: I think it was from memory, out near a supermarket.
Speaker 3: Like it wasn't out the front of a bank.
Speaker 2: It was right, No, so ours was out the front
Speaker 2: of a supermarket as well. And it was a standalone ATM,
Speaker 2: not run by one of the banks. Yeah, so like
Speaker 2: it wasn't bank affiliated. It was like one of those
Speaker 2: like quick ETM things that charge you exorbitant fees to
Speaker 2: use it, but it's in a very convenient location. Yeah, yeah,
Speaker 2: which is so interesting.
Speaker 3: It's scary because I agree, I feel like you heard
Speaker 3: a lot about them, but like I've never I've never
Speaker 3: known anybody or anyone near me or anything to find one,
Speaker 3: and then all one in me and then you find one,
Speaker 3: and I'm.
Speaker 2: Like, whoa, this is crazy. Yeah, because I think a
Speaker 2: lot of us, like we talk about, you know, how
Speaker 2: to protect yourself if you're traveling overseas, like we always say,
Speaker 2: don't use your bank card, like use your travel card
Speaker 2: and only transfer money to that card because skimming is
Speaker 2: so popular internationally, you just don't think it would happen
Speaker 2: on your own doorstep. And like anyway, that was really
Speaker 2: spicy and good to find. And I mean if you
Speaker 2: find something on an ATM that looks suspicious. At the
Speaker 2: end of a day, a ATM has been built to
Speaker 2: not be broken into. Like it's there, it's full of
Speaker 2: thousands of dollars. I believe on average an ATM holds
Speaker 2: about fifteen thousand dollars in rash because obviously every day
Speaker 2: people come and get fifty dollars out, one hundred dollars out,
Speaker 2: maybe like five hundred bucks to pay someone. Like, lots
Speaker 2: of money goes through an ATM on a daily basis,
Speaker 2: So like, you don't want to make it easy to
Speaker 2: break into. So if it looks like it could come
Speaker 2: off an ATM, it's usually a bit of a sign
Speaker 2: that maybe it shouldn't be there. If the lights look
Speaker 2: a little bit off, if the keypad looks a little
Speaker 2: bit off, just be vigilant. There's lots of tiktoks you
Speaker 2: can look up, have a look at. But yeah, I
Speaker 2: would be vigilant. Yeah, this is a silly question.
Speaker 4: But when you were explaining that, I was like, I wonder,
Speaker 4: I gather that they have the card details from the
Speaker 4: skimming and then do they make purchases or do they
Speaker 4: take money out somehow of that.
Speaker 2: So just a backtrack, because I just realized I hadn't
Speaker 2: explained it properly, so a skimming device could could be
Speaker 2: lots of different things. The one I found was a
Speaker 2: two part so it was the piece of plastic that
Speaker 2: I found that I pulled off the keypad that had
Speaker 2: a hidden camera in it that recorded you putting your
Speaker 2: pin code in to the machine. Okay, the other piece
Speaker 2: of plastic I was unable to remove. I could see it.
Speaker 2: I took videos of it. I showed the cops did
Speaker 2: all of that, and it has since been removed, So
Speaker 2: don't stress. But they would have quote skimmed your credit
Speaker 2: card details as you went in and went out. They
Speaker 2: like capture that magnetic information from the magnetic strip on
Speaker 2: the back of your ATM card. They then take blank
Speaker 2: ATM cards and copy over your ATM card to a
Speaker 2: blank card. They then time match the time that you
Speaker 2: put your pin code in and watch the video and
Speaker 2: go oh Beck's pink codes one, two, three, four. They
Speaker 2: take the blank version of your card to an ATM,
Speaker 2: pop it in, put your pin code in, and withdraw
Speaker 2: all your cash. Oh, which is why.
Speaker 3: And I didn't even realize I still did this until
Speaker 3: you post about it. But my mum always do and
Speaker 3: just to have it I picked up, but like having
Speaker 3: your wallet over like or your hand or something when
Speaker 3: you type in an ATM. It's literally it's like a
Speaker 3: reflex for me because it's just something my mum always in.
Speaker 3: I'm sure she probably told me to do it, but
Speaker 3: I didn't even think about it until I think you
Speaker 3: said on your stories, make sure you cover it with
Speaker 3: your hand or whatever. So just a reminder, cover your
Speaker 3: hand when you put your pin.
Speaker 2: And I mean it does stop everything. Like that's not
Speaker 2: going to stop you being completely scammed, but if it's
Speaker 2: one of these types of skimmers, they actually need those
Speaker 2: two pieces of information and you're kind of stopping them.
Speaker 2: And I think because I found one, you guys might go, oh,
Speaker 2: you just have to look like they are purpose built
Speaker 2: for the machines, purpose built to look like a piece
Speaker 2: of the machine that you wouldn't question. I think mine
Speaker 2: was lifted. I don't know if I would have seen
Speaker 2: it if it was perfectly installed, So you're not necessarily
Speaker 2: going to be able to see it. But yeah, there's
Speaker 2: a lot of things you could do, so covering your
Speaker 2: hand with your pin, making sure that you know someone
Speaker 2: can't see you put that number in, making sure you're
Speaker 2: not using a dodgy ATM. If there is the option
Speaker 2: to get cash out at the supermarket or at the bunnings, like,
Speaker 2: do that instead of getting it out at the ATM,
Speaker 2: using ATMs that are bank affiliated. So if it's like
Speaker 2: on the front of the bank, I can almost guarantee
Speaker 2: that that ATM is checked on a daily basis by
Speaker 2: the tellers at that bank for skimming devices. But the
Speaker 2: standalone ATM down at the local shops where you and
Speaker 2: I often frequent beck, no one's there to check it.
Speaker 2: It's all on its own. That's why it's usually a
Speaker 2: bigger target than the bank one which the bank staff
Speaker 2: are checking consistently. Yeah, so I think staying vigilant also
Speaker 2: never putting into your ATM the card that has your
Speaker 2: life savings on it, like having a separate bank card
Speaker 2: that you know, you keep maybe a couple of dollars
Speaker 2: on so that when you need to get cash out
Speaker 2: you just transfer it over, is gonna essentially safeguard your
Speaker 2: life savings. And it doesn't mean that you absolutely have
Speaker 2: to do these things and you know, be worried about
Speaker 2: absolutely everything, but at the end of the day, could
Speaker 2: have protected a lot of people that had their financial
Speaker 2: information skimmed the day that I found that device, and
Speaker 2: from what the cops said, they've obviously reviewed all of that,
Speaker 2: and I was like, I've been a little bit pervy,
Speaker 2: and thankfully they've been forgiving and like kept me in
Speaker 2: the loop. About two hundred people went to that ATM
Speaker 2: on the day that I found it. That's crazy, isn't
Speaker 2: that insane? Yeah? And like right as I had to
Speaker 2: like queue up to use the ATM, there was like
Speaker 2: an older guy who got his cash out and went inside.
Speaker 2: Not the wiser, stop my heart, But he didn't get scammed.
Speaker 2: He's all good. But like he like got his cash
Speaker 2: out and went inside, he did not have any clue
Speaker 2: that someone had literally just stolen his bank information. Did
Speaker 2: you find him? No, not the do. I didn't need
Speaker 2: to find him because I pulled out the skimmer and
Speaker 2: it had the SD card and all the information, and
Speaker 2: I gave it to the cops. So now there's crims.
Speaker 2: Like the criminals aren't going to get that old man's details,
Speaker 2: and like they're not going to be able to take
Speaker 2: his money out. But like had I not found that,
Speaker 2: And later that evening they had returned to the ATM
Speaker 2: taking their skimmer device, taken it home. They absolutely would
Speaker 2: have taken his cash. Y. Isn't that insane?
Speaker 1: I know?
Speaker 2: It actually makes me so and that's I guess why
Speaker 2: I've been posting about it. It makes me so angry. How
Speaker 2: does anyone do that makes me feel like sickly to
Speaker 2: be in the middle of a class of living crisis,
Speaker 2: And like, you know, I dodn't want to get too
Speaker 2: deep into it, but I have not been sleeping over this,
Speaker 2: not because I'm stressed about I just can't stop thinking
Speaker 2: about it. Even the location that it was in, like,
Speaker 2: wasn't in a high net wealth suburb, Like lots of
Speaker 2: people that go to the ATM where we were are
Speaker 2: just average mums and dads. There's a lot of people
Speaker 2: in that area who are on Centerlink. There are a
Speaker 2: lot of people in that area who would be living
Speaker 2: paycheck to paycheck, and I'm just like they would have
Speaker 2: been absolutely dreamed. Like it makes me so angry, Like
Speaker 2: and I was lucky. I was just getting some fish
Speaker 2: and chips cash out.
Speaker 3: But the idea be vigilant everybody, Yes, as aware as
Speaker 3: you can. It's not to put it on people, but
Speaker 3: when there's horrible people out there, Like, we've got to
Speaker 3: do the best we can, right.
Speaker 2: And if you're suspicious on it, there's often numbers on
Speaker 2: the ATM that you can call, so you could call
Speaker 2: the company and like, see something, say something. Yeah, Like
Speaker 2: I'd prefer you to have called someone and wasted their
Speaker 2: time then finding out a Facebook group like jes did.
Speaker 2: Oh there was a skimmer on this ATM. Like if
Speaker 2: you see something, say something, even if you're just suspicious
Speaker 2: and you call the company and go, I don't know,
Speaker 2: but there's something real suss about your ATM machine at
Speaker 2: the moment. Not a professional, I'm a nurse, but if
Speaker 2: you could just check, that would be great. They're probably
Speaker 2: going to thank you because ultimately that's their responsibility and
Speaker 2: a lot of the time, if you have been scammed,
Speaker 2: the ATM company might have to pay you back. Yes, true, true. Anyway,
Speaker 2: let's move on because I can talk about scams literally,
Speaker 2: and I'm going to do a whole episode on it soon.
Speaker 2: I think it so excited. Beck is coming is coming.
Speaker 2: But before we get there, and we also dive into
Speaker 2: our money wins. Do you want a five star review
Speaker 2: from the community please? Okay, this one is from Alexis.
Speaker 2: Alexis says five star review, Thank you. Alexis Becksayed is
Speaker 2: the unsung hero of this podcast purely for human reasons.
Speaker 2: I literally just enjoyed listening to her sprinkling of personal
Speaker 2: experiences and stories, where the undertone is always valuing relationships, connection,
Speaker 2: enjoying life, bringing light to other people's lives, and resilience.
Speaker 2: She makes all of the other finance and money stuff
Speaker 2: softer and grounds it in a perspective that feels warm.
Speaker 2: I love you all, of course, though that I remember
Speaker 2: the day it was not it was only a few
Speaker 2: days ago. Just just sent me this.
Speaker 4: Because it was just like such a beautiful and I
Speaker 4: sent it to every single person I know, and I
Speaker 4: was like, I need to find Alexis.
Speaker 2: I want I want Alexis to be in my life.
Speaker 2: This like completely rolled me in the best way, Like
Speaker 2: it isn't it the best, the best thing I've but
Speaker 2: like anyone's ever said to me, And do you know
Speaker 2: what about me? Somebody has managed to put into words
Speaker 2: exactly how I feel about it totally. It's also true,
Speaker 2: so true. Oh my gosh, this is actually exactly what
Speaker 2: you do.
Speaker 4: Oh my god, that is so mind blowingly nice, Like
Speaker 4: I feel so so warm right now.
Speaker 2: I think the five star reviews just like the beck
Speaker 2: fan clubs. So just like, if you haven't left us
Speaker 2: a five star review, or you haven't left us, like,
Speaker 2: go on to Apple and you can leave a message
Speaker 2: for the Bech fan club. I'll get us. I'll make
Speaker 2: us a T shirt, a.
Speaker 4: T shirt, just even if it's just a Lexus And
Speaker 4: and honestly, and this is what I said to friends
Speaker 4: when I sent it to them. I was like, if
Speaker 4: these are the last words I ever read, that would
Speaker 4: be fine, that would be more than enough.
Speaker 2: Oh my gosh.
Speaker 4: If I were to perish, or if I were to
Speaker 4: like just be lost in the bush for the rest
Speaker 4: of my life, and those are my last.
Speaker 2: Yeah, perfect, We're calling Alexis phone. It's about to run
Speaker 2: out of boundery. Beck Is calling Alexis.
Speaker 4: Alexis is the last ones I'm calling.
Speaker 2: I thank you, Alexis. Yes, let's move into the rest
Speaker 2: of the community, your money, wins and confessions. If they
Speaker 2: got to share this week, all right.
Speaker 3: I sure? But sweet one firstly from Jordan, who said
Speaker 3: I paid off my Carlogne nine months early. Oh my god,
Speaker 3: well done, Jordan, it's actually incredible. Next, I've got money
Speaker 3: in from April, who sins you're on the same kind
Speaker 3: of vibe as asked with the op shopping, she said,
Speaker 3: money and environmental win. I've decided that I'm in at
Speaker 3: my gift basket making erar. I'm using fines from Facebook,
Speaker 3: Marketplace and the op Shop. There's heaps of unwanted Christmas
Speaker 3: presents there at the moment, that's true, and she's collecting
Speaker 3: them up and putting them aside and using these gifts.
Speaker 3: She put a really cute little photo of anyone's thread.
Speaker 3: But she's got baskets that I'm thinking maybe she's also thrusted.
Speaker 2: Those are so cute.
Speaker 3: Super cuteness, Like there's one there that's obviously for a kid,
Speaker 3: because there's book and some toys and things. There's one
Speaker 3: with maybe housewarming stuff. I just think it's such a
Speaker 3: good idea, give things a second line door. Next, I've
Speaker 3: got a money win from Alicia, who said it was
Speaker 3: her son's third birthday on the weekend and they decided
Speaker 3: to get an ice cream cake. Love Wendyes do ice
Speaker 3: cream cakes that start at eighty dollars Peter's original the
Speaker 3: classic from Woolies eighty dollars, yeah.
Speaker 2: Crazy and ice cream Like, I'm not undervaluing the energy
Speaker 2: and effort and stuff. I'm shocked for a lot of money, definitely.
Speaker 3: Well, instead, they opted for a Peter's original from Wooli's
Speaker 3: fourteen dollars gorgeous. They had to get too because the
Speaker 3: grown ups also want an ice cream cake. She said,
Speaker 3: it's not really instagram worthy, but it is a money
Speaker 3: win that Peter's ice cream cake is my baby type
Speaker 3: of cake. It's so I know there's a lot of
Speaker 3: debate Fredo or Peter's.
Speaker 2: I don't hate the Freddo's, but you got to go.
Speaker 2: I like Peter's a little bit more. You got to gog.
Speaker 3: I hope your son had a good birthday. I think
Speaker 3: that's such a good gift. Next, I've got a money
Speaker 3: win from Chelsea who said I wanted to buy a
Speaker 3: desk calendar to put in my bills and expenses to
Speaker 3: keep track of it over the year, but she ended
Speaker 3: up making one during work time on Canva using work supplies.
Speaker 2: Great, just starting not your business. Triple money win.
Speaker 3: Well done, Chelsea. And then lastly this week I have
Speaker 3: one from Sky who said money win our family of
Speaker 3: four spent three weeks in a beautiful home in another state, completely.
Speaker 2: Free of charge.
Speaker 3: Great We looked after altpackers, chickens, a dog, and a
Speaker 3: cat during our stay. Housitting is such a great way
Speaker 3: to explore new places without the cost of accommodation. The
Speaker 3: kids loved it, and the experience was far more engaging
Speaker 3: and fun when compared staying in an expensive hotel. And
Speaker 3: she put a really cute photo of her I'm assuming
Speaker 3: her daughter feeding an out packer.
Speaker 2: I'm sorry, that's so cute. It looks like a tiny
Speaker 2: baby out package. It looks like a little farm. It
Speaker 2: looks like a dream. Sorgeous. Good a little tip for everybody.
Speaker 2: I love that so much. That was a good little
Speaker 2: wrap up, jess Beck. Yes, it is your turn. What
Speaker 2: broke tips you're bring into the table this week? Okay, So,
Speaker 2: because I've moved, I'm probably gonna have like a lot.
Speaker 2: I'm won't use them all today, but I'm gonna have
Speaker 2: a lot of broke tips coming in out of the now.
Speaker 4: This one comes from Maddie who says, and this is
Speaker 4: very interesting one and one I will be using this year.
Speaker 4: So energy companies will often offer sign up credits to
Speaker 4: new and moving customers. Every couple of months. Maddie moves
Speaker 4: companies based on whoever has the best offer at the time,
Speaker 4: and that's like.
Speaker 2: You don't have to move. You don't have to actually move.
Speaker 4: You just like just do a little shop around and
Speaker 4: see if you know, new customers get one thousand dollars
Speaker 4: off or something. I'm sure that does not exist, but.
Speaker 3: Sometimes they do, Like you get free like I saw one,
Speaker 3: so I was like, you get six months free binge
Speaker 3: access or something, which is cool if you actually do,
Speaker 3: then you don't have to pay for streaming services or
Speaker 3: something like that.
Speaker 2: Excittly only valuable if you actually needed that item, Yes, exactly,
Speaker 2: Like if you're like, oh, sign up because I would
Speaker 2: love six months of free binge access, but I've never
Speaker 2: actually used binge all night. I don't even want teaving
Speaker 2: on there. That is not a good deal.
Speaker 3: Yeah.
Speaker 2: Absolutely.
Speaker 4: This section comes from Emma, who says I've been using
Speaker 4: the Pass app to pay for things at my local
Speaker 4: pub that I go to for dinner. You get points
Speaker 4: every time you buy something, which ends up being around
Speaker 4: ten percent back in credit to use at any of
Speaker 4: the venues in the app. We've been saving them up
Speaker 4: and now we have enough for free dinner and drinks
Speaker 4: for our family of four. They also, I know, how
Speaker 4: good is that they also give away bonus credit sometimes
Speaker 4: and they have drink specials each month. This month the
Speaker 4: beer we drink is discounted through the app, so we're
Speaker 4: saving eight dollars on each round for me and my houseband.
Speaker 2: That's such a good deal. I've never even money. And
Speaker 2: there's over two hundred venues on there around Australia. Apparently incredible,
Speaker 2: ka very nice. So that's the wrap from the community.
Speaker 2: It's wrap from the community that past that I've never
Speaker 2: heard of that I'm going to look it up now
Speaker 2: and I brake tip.
Speaker 4: I feel like it might always a little bit of
Speaker 4: common knowledge. But anyway, so you know, knowledge is not
Speaker 4: that common back.
Speaker 2: Well, no, that's very true. Like sharing is important. That's
Speaker 2: so true.
Speaker 4: So recently I've been like on a real video, I
Speaker 4: think we're kind of similar, Like you know, when you're like,
Speaker 4: as you're saying with the scam thing, like it's all
Speaker 4: you're thinking about, Like right now when I'm focused on
Speaker 4: something like that is consuming my world right now.
Speaker 2: It's because adhd thing diagnosing her she has an official youth.
Speaker 2: We're not just making it up. That is so interesting.
Speaker 4: I never, I never like put the two together until
Speaker 4: it like you know, well, you just you just.
Speaker 2: Tell me enough to remind you that most of the
Speaker 2: things that you think are part of your personality are
Speaker 2: actually ADHD and it becomes quite depressing. It's called hyperfixation. Iye,
Speaker 2: a fixation like the current what is it? Tell me
Speaker 2: share currently? It's lamps and in particular.
Speaker 4: Yeah, I really like I'm looking for a particular a
Speaker 4: vibe and style, So lighting wise, I would I really
Speaker 4: want like a dark red or orange room. I know
Speaker 4: if you've been a pitt of pippot in Fitzroid's I
Speaker 4: had and night time, I see the moment.
Speaker 2: I yes, yeah, you can do that with like just
Speaker 2: a light globe. Yes.
Speaker 4: Well, but this is the thing is that I already
Speaker 4: had the light globes and I literally just painted them orange.
Speaker 2: And I think you have to be careful to make
Speaker 2: sure they eat resistant. Oh yeah, do you know what?
Speaker 2: I actually follow it back on Instagram. It is a
Speaker 2: very weird concept, but Beck does share everything she gets up.
Speaker 4: To a story to me and thank you for remembering.
Speaker 4: So that's one way to save money. But no, the
Speaker 4: main thing was that I have you guys sort of dentist,
Speaker 4: did it? They have those beautiful orange mushroom lamps, and
Speaker 4: they also have all these gorgeous lamps that I've always
Speaker 4: been like, oh, one day, one day, one day when
Speaker 4: I'm rich enough. I'm never rich enough, and so this
Speaker 4: time I was like, I've got a new house me
Speaker 4: or buy myself something nice beautiful. Denis did a lamp
Speaker 4: that looked exactly like what I wanted, but I didn't
Speaker 4: have one hundred fet dollars to spend what that is
Speaker 4: expensive for a lamp exactly, So I went to kmart
Speaker 4: and got like a very similar look base yeah, and
Speaker 4: just painted at orange with a three dollars acrylic paint,
Speaker 4: so it was thirteen dollars instead of hundred fifty dollars.
Speaker 4: You weren't painting the globe, you We're just painting the lamp,
Speaker 4: checking the globe. Yeah, but like we don't endorse that.
Speaker 4: But we don't endorse that because you must make sure
Speaker 4: it's heat resistant paint and something else. Just google it first,
Speaker 4: I would say.
Speaker 2: But like you did a diy to achieve the same outcome. Yes,
Speaker 2: exactly proud of you. Thank you so much. That's so exciting.
Speaker 2: Thank you.
Speaker 4: So I would recommend googling identical or like similarish kind
Speaker 4: of things if you if you know something, google reverse
Speaker 4: image search.
Speaker 2: Yes, if you take a screenshot of something and you've
Speaker 2: got the Google app on your phone, not just going
Speaker 2: to Google. I find they don't have that. But like
Speaker 2: the Google app, you can literally search by image and
Speaker 2: it will often come up with similar looking things that
Speaker 2: might be much chickier exactly exact.
Speaker 1: Love that.
Speaker 2: Yes, what a good tip. But I feel like you've
Speaker 2: you've got a really good round up this week back,
Speaker 2: Thank you, thank you much. An Alexis stroke. Your ego
Speaker 2: actually still high, like and like my legs are taking
Speaker 2: next week. I love this for us. Let's go to
Speaker 2: a really quick break on the flip side. I cannot
Speaker 2: wait to dive into protecting yourself from scams and also
Speaker 2: something you've slid into our DMS about. We're chatting about
Speaker 2: navigating an extended unemployment break, so guys don't go anywhere.
Speaker 3: Welcome back, everybody. Let's take a listen to this week's
Speaker 3: money dilemma.
Speaker 2: Hi, there, have you got a money dilemma? You just
Speaker 2: can't solve the Sheese 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 5: High Seas on the Money. I have noticed at my
Speaker 5: work an increasing number of people, especially younger people, falling
Speaker 5: for really not very nice scams. There's been a really
Speaker 5: big influx in them, and a lot of them the
Speaker 5: bank can't get their money back for different reasons. I
Speaker 5: thought it would be awesome if you and the team
Speaker 5: could maybe have a chat about scams and what to
Speaker 5: kind of look out for, because it seems to be
Speaker 5: on the rise and these people are absolutely horrible and
Speaker 5: I want them to stop, but I can't. So we've
Speaker 5: got to get everyone all that She's on the Money
Speaker 5: guys to know what to do. Thank you.
Speaker 2: It's really sweet that she thinks we'll know what to do.
Speaker 2: It is a good question. This happened like a couple
Speaker 2: of weeks ago, where people just kept someone just kept
Speaker 2: signing into my Facebook and my Outlook accounts and then stop,
Speaker 2: what yes, fifty dollars from you.
Speaker 4: I got it back eventually, but I was like, well
Speaker 4: that's it for me. I literally can't exist anymore. Tip
Speaker 4: Number one for everybody. Two factor authentication on literally everything.
Speaker 4: Almost everything these days does have it. You're banking app
Speaker 4: to all of your social media, your emails. You might go, well,
Speaker 4: how am I getting scammed from my emails? Well, have
Speaker 4: to my boyfriend. They go into your emails and then
Speaker 4: they find like if you've paid for something, they'll then
Speaker 4: contact the company or they'll find a way to reverse it.
Speaker 4: Because he had the same thing happened. He had his
Speaker 4: identity stolen.
Speaker 2: Basically, we've had something happen recently to someone we know
Speaker 2: and it has been heartbreaking to watch, like genuinely absolutely cooked,
Speaker 2: same thing happened. They somehow must have clicked a phishing
Speaker 2: email which allowed them to get into their emails and
Speaker 2: see what they were going on, and they started sending
Speaker 2: fake emails that felt like real emails because they'd reviewed
Speaker 2: the previous stuff, and they ended up transferring a lot
Speaker 2: of money to somewhere. It has now been lost to
Speaker 2: It's so sad. It's horrific.
Speaker 3: So yeah, almost every platform you can think of you
Speaker 3: can switch to factor authentication onto.
Speaker 2: These days, I think it's bare minimum two factor authentication
Speaker 2: or nothing. Yeah, it was so annoying and now it is.
Speaker 2: It is, but like, you know what's more annoying not
Speaker 2: having the money that you saved. Yeah.
Speaker 3: I got an email that's like, oh, someone tried to
Speaker 3: look into you account, like if it was you, Bubba,
Speaker 3: and I like went to an outlook. You can go
Speaker 3: and it will show you every attempted log in.
Speaker 2: Yes, and there was thousands, like someone in some country
Speaker 2: trying but they can't because it's like my Gmail account. Yeah, crazy,
Speaker 2: your outlook. It was my outlook. I'm like, God, it's
Speaker 2: so weird.
Speaker 3: And it's like they must have some machine or something
Speaker 3: because it's like every two minutes for two weeks straight
Speaker 3: or something and it's not working because I have the
Speaker 3: two factor on. So everyone right now poured the episode.
Speaker 3: Go turn it on for everything, even things you think
Speaker 3: you shouldn't. Your PayPal, your bank, your Instagram.
Speaker 2: Your social media. And we've all had a friend that
Speaker 2: starts posting weird cryptocurrency stories scam like and also exactly.
Speaker 4: I literally sent my best friend Live every single one
Speaker 4: of my card details in one of our chats because
Speaker 4: she was like, oh, can I use this for whatever subscription?
Speaker 4: And I was like, yeah, try this, trade this, trade this,
Speaker 4: then every single detail and then they look into my
Speaker 4: Facebook and so maybe that's how the three dollars got someone.
Speaker 4: But this is another one that I want to mention
Speaker 4: because it kind of scared me. And I might have
Speaker 4: mentioned it before, but I keep getting emails in my
Speaker 4: junk but one ended up in my regular inbox. I
Speaker 4: was like, hey, Rebecca syed date of birth. We have
Speaker 4: been watching your Internet history, Yes we have. And then
Speaker 4: so I just want everyone to know that's not real
Speaker 4: Hunter money.
Speaker 2: And and I don't know if someone emailed me and
Speaker 2: said Victoria to buy and we have your nudes, will
Speaker 2: post them or you have to pay us post them?
Speaker 2: Yeah I know, I'm like, post that's fun.
Speaker 3: Day.
Speaker 2: Yeah, day it looks worse on you. Yeah, Like that's
Speaker 2: probably not a very good photo. I've never taken nudes,
Speaker 2: and it's because I'm too conservative and scared that something
Speaker 2: would happen.
Speaker 3: But like, it's sad that we live in a world
Speaker 3: where we have to think consider that the front to
Speaker 3: prevent other people's evil.
Speaker 2: So in terms of resources though, so ScamWatch dot gov,
Speaker 2: dot au is a fantastic location. In twenty twenty five,
Speaker 2: scams are looking more and more believable, like they're able
Speaker 2: to you know, there are even scams that exist where
Speaker 2: they might go to your social media, collect all of
Speaker 2: your personal information, work out your partner's name, and then
Speaker 2: email both of you like it is insane. So we
Speaker 2: are always checking any financial institution, so your bank, your
Speaker 2: mortgage broker, your solicitor, anyone that is in the financial
Speaker 2: services industry, a real estate agent. They will never ever,
Speaker 2: ever ever email you asking for bank details. It does
Speaker 2: not happen in our industry. So I would never email client.
Speaker 2: I don't even care if they're settling on their house
Speaker 2: tomorrow and they're not answering their phone. I will never
Speaker 2: give a BSB an account number in writing. It just
Speaker 2: doesn't happen. We call our clients, we crosscheck it, we
Speaker 2: are I can see it on my screen, but I'd
Speaker 2: never put it into an email form because I don't
Speaker 2: know what's going to happen. I know what my ccurity
Speaker 2: looks like, but I don't know what your security looks
Speaker 2: like Beck, I'm not going to email it and then
Speaker 2: have that be scammed. I'm not going to have that
Speaker 2: be intercepted, which can happen. And a scammer put their
Speaker 2: bsb inn account number into an email that looks like
Speaker 2: it's from me. I would never email you financial information,
Speaker 2: and nobody else who's legitimate would either. So if you
Speaker 2: see that red flag, do pay attention to your Gmail
Speaker 2: notifications as well, so like at the top of your email,
Speaker 2: it might have like a little orange banner that says
Speaker 2: this looks like a phishing email. Believe them. If your
Speaker 2: bank calls you and says, hey, like, there's a weird
Speaker 2: transaction Jess, and you go, no, no, no, I was
Speaker 2: just transferring money to my friend. Usually that's because they've
Speaker 2: picked up that there's something dodgy with the bsb in
Speaker 2: account number, but they can't tell you that. They have
Speaker 2: to go, oh, did you mean to do that? Like
Speaker 2: did you triple check? Because I mean you might be
Speaker 2: friends with the scammer? Right, go back check, triple check
Speaker 2: with your friend, cancel the transaction. What's the word. Thing
Speaker 2: that can happen? You have to go and just redo
Speaker 2: the transaction. Oh sorry, bank, like I did actually have
Speaker 2: it right the first time. I'd prefer you to do
Speaker 2: that than not, like it might be a little bit
Speaker 2: more of a waste of time, But at the end
Speaker 2: of the day, scamming is definitely on the rise, and
Speaker 2: I don't know, just stop. Never give out your personal information.
Speaker 2: Nobody is ever gonna ask for that. Banks. You guys
Speaker 2: should know that your bank would never call and be like, Hi,
Speaker 2: is that Jessica, Oh yeah, yeah, yeah it is Jessica. Hi,
Speaker 2: sorry Jessica. To continue this conversation, we need your like
Speaker 2: your birth to Haiti and your account number. They're never
Speaker 2: going to call you and ask for that personal information.
Speaker 2: They might ask you, oh, hey, jess what's your You've
Speaker 2: called us. But also you know what you can do.
Speaker 2: You can say, hey, thanks so much, bank man, would
Speaker 2: love to continue this conversation. Feels very legitimate. What's your landline?
Speaker 2: I'll call you back so that you can guarantee that's
Speaker 2: not a dodgy phone number. At the end of the day,
Speaker 2: you need to be consistently checking, like as in, just
Speaker 2: check yourself, be like could this be fake? Be vigilant,
Speaker 2: always think everything's a scam. Like me, you might find
Speaker 2: your ATM is bugged and it would be a fun
Speaker 2: social media piece of content. And then if you ever
Speaker 2: feel like you have been scammed, whether you have been
Speaker 2: or not, contact your bank immediately. The sooner you can
Speaker 2: intercept that payment, the sooner that you can get on
Speaker 2: it and the bank is able to pull it back
Speaker 2: or cancel the transaction, the better because if you leave
Speaker 2: it a week because you're like, oh, I don't know,
Speaker 2: let's just see how it goes, it could be gone.
Speaker 2: It could be gone. So I think that's a laundry list.
Speaker 2: Three I would love for you just like the more
Speaker 2: the merrier.
Speaker 3: Things that I've seen. So things to be vigilant off
Speaker 3: when you get emails asking always click and look at
Speaker 3: the email because you know, when you get an email
Speaker 3: it to say from Jessica Ricky and then if you
Speaker 3: click it, it will say you got the inmitual email.
Speaker 3: It's very common for it to stay from I don't know,
Speaker 3: Bendigo Bank and then you click on it and at
Speaker 3: from XYZ two three form blah blah blah blah.
Speaker 2: Then it has like Bendy Go Bank in the username still.
Speaker 3: And you're like, hold on, yeah, So always look at
Speaker 3: the actual email links will never come to you from
Speaker 3: tech via tech from your financial institution, Like they'll never say.
Speaker 2: I'll click this link to verify your bank details. Yeah,
Speaker 2: it looks like suspicious activity on your account. Click this
Speaker 2: link to confirm whether or not it was you. So
Speaker 2: don't like, always go directly through your banking app, go
Speaker 2: directly through your banking website. Don't click those links and
Speaker 2: then the other one. Someone DMB the other.
Speaker 3: Day and ask me about this. They're like, you do
Speaker 3: a lot of Facebook marketplace stuff. Can you tell me
Speaker 3: there's a common thing at the moment where people will
Speaker 3: ask to pay you via card or direct debit, and
Speaker 3: then they'll charge back the payment so that the payment
Speaker 3: then bounces back to them.
Speaker 2: So rude, How do you stop that?
Speaker 3: It's really hard to do, Like you, there's not a
Speaker 3: lot you can do, so like your options are only
Speaker 3: take cash, although I understand if you're selling a couch
Speaker 3: like five hundred dollars, you might not want five hundred
Speaker 3: dollars in cash.
Speaker 2: I would prefer that then having some random be able
Speaker 2: to charge back. Yeah, totally.
Speaker 3: The other thing is look at reviews and stuff. So
Speaker 3: even a lot of people don't realize this when you
Speaker 3: sell stuff on Facebook marketplaces, you can rate like the
Speaker 3: transaction the seller. So even just if you're buying something
Speaker 3: from someone you know and you want to check that
Speaker 3: they're not selling fake or that they're not kind of dodgy,
Speaker 3: just like click on their profile and it will usually
Speaker 3: list if they've sold stuff before, they'll have a rating.
Speaker 2: Yeah, and it's also worth just looking at that.
Speaker 3: It's not a perfect system because selling stuff on marketplace
Speaker 3: or gum Tree or whatever is you're in it. It's
Speaker 3: a very personal. There's no system in place to really
Speaker 3: prevent that. But just again being like super hyper vigilant
Speaker 3: or a good one is PayPal transacting through PayPal, so
Speaker 3: say hey, like sorry, not happy to do direct via
Speaker 3: the bank, but PayPal has really fantastic systems in place
Speaker 3: to protect buyers and sellers, So you may have to
Speaker 3: pay a few dollars in transaction fees, but for peace
Speaker 3: of mind, I think that.
Speaker 2: That's really worth it. Yeah, yeah, yeah, And I love
Speaker 2: that regular people are doing this, like the I think
Speaker 2: so like I think people are selling stuff on Facebook
Speaker 2: market play or going to buy stuff on Facebook Marketplace
Speaker 2: and then being like yeah, so sorry, can I just
Speaker 2: transfer you the cash and then they're trying to charge
Speaker 2: it back. Really that is so mean, which is awful,
Speaker 2: But again, I'm so angry about that on everybody.
Speaker 3: That Yeah, it just seems like and I mean, I
Speaker 3: know that times are tough and people get desperate, but
Speaker 3: I think that the moral of the story is you
Speaker 3: do have to just kind of be a little bit
Speaker 3: suspicious and a little bit aware and do whatever you
Speaker 3: can to protect yourself. And sometimes that means taking more steps,
Speaker 3: but better that than you know, losing three hundred and
Speaker 3: fifty dollars, right, yeah.
Speaker 2: Like, and if it's a little bit more life, I mean,
Speaker 2: I get it, but at the end of the day,
Speaker 2: it's protecting you. Yeah, that's invaluable. Should we get into
Speaker 2: the DM we should? Oh my gosh, I want to
Speaker 2: keep talking about scam. I'm not going to you can
Speaker 2: do a whole week, okay, okay, okay. I will talk
Speaker 2: to Emma off air. Emma is our producer for those
Speaker 2: of you following along at home, and we will do
Speaker 2: a deep dive into scams, the most common ones. What's
Speaker 2: going around. Oh, it's going to beat you. Ready, beg,
Speaker 2: I'm so ready? Okay, are we ready for the DM?
Speaker 2: Of the week, though, Yes, okay, here's the DM we got. Guys.
Speaker 2: My partner has been out of work for about nine
Speaker 2: months and is really struggling to find a new job,
Speaker 2: not even getting interviews, even though they've been looking in
Speaker 2: diverse fields and roles. I've held with their resume and
Speaker 2: everything's in order, and I'm stumped as to why they've
Speaker 2: been given no job offers and only one interview this
Speaker 2: whole time. I know communication is key, and I've tried
Speaker 2: several times to have conversations about it, but as it's
Speaker 2: a sensitive topic, I don't want to push it, and
Speaker 2: my partner says they'll reach out with any updates instead
Speaker 2: of me bringing it up. There've actually been very few updates.
Speaker 2: We've been together for about four and a half years
Speaker 2: and don't live together yet, and I feel like our
Speaker 2: lives are currently on pause and we're getting further away
Speaker 2: from being able to buy a house, which is a
Speaker 2: shared goal because of his unemployment. I want them to
Speaker 2: feel confident and successful, and I feel very helpless and
Speaker 2: scared at how long this has gone on. As savings
Speaker 2: don't last forever. What can I do in this situation
Speaker 2: without being too pushy? What would you guys do well,
Speaker 2: as you guys know, obviously, I was maybe redundant last
Speaker 2: year and I was with Jess at the time, and
Speaker 2: I still am, but I sugar mama, Yeah, sugar MoMA.
Speaker 2: She really was a sugar mama for a little while,
Speaker 2: and I suges we appreciate it. And I couldn't find
Speaker 2: work for ages, but I was actively looking. So I
Speaker 2: feel like there's two different things like if if if
Speaker 2: this partner is actively looking. And some time when Jess
Speaker 2: was like sticking by me and being really nice and patient,
Speaker 2: I was like almost feeling this weird, like inferiority sort
Speaker 2: of thing. I was just like, oh, I don't want
Speaker 2: you to feel that. Thank you. Well, I think that's
Speaker 2: like there's there's a part of it that like if
Speaker 2: if your partner is actively trying and really is trying
Speaker 2: to get a job and cannot because that is literally
Speaker 2: what happened to me, And it's not because I wasn't
Speaker 2: trying whatever. I sent hundreds and hundreds and hundreds of
Speaker 2: couple letters and resumes and and kept changing them and
Speaker 2: you know, all these things that I was trying and
Speaker 2: then couldn't find a job. So I was like kind
Speaker 2: of at a point where I was like, I was
Speaker 2: almost like to that to just like I was like,
Speaker 2: you can you know, there's no no pressure to like
Speaker 2: hang around if you you know, I was like, and
Speaker 2: then she was like you what I know? And she
Speaker 2: was like, I'm not going to I'm not going to
Speaker 2: break up with you because you don't have a job.
Speaker 2: I happened to like you as a human band because
Speaker 2: you earn money totally, and so in this moment, it
Speaker 2: was like that was so meaningful. And so I think
Speaker 2: for your partner if and I say again, like I
Speaker 2: really want to clarify, like if they actually like really
Speaker 2: really genuinely trying to find a job, if I'm like
Speaker 2: putting myself in your partner's shoes, I'm like, the only
Speaker 2: thing I needed was that reassurance that no one was
Speaker 2: angry at me, everyone still loved me, I still was valued,
Speaker 2: and I'm still a functioning member of society. I'm not
Speaker 2: going to be like banished.
Speaker 4: From everyone's lives because I can't find a job, because
Speaker 4: that's like I can't find a job, I don't have money,
Speaker 4: I'm losing my savings. Everyone hates me, no one loves me.
Speaker 1: I don't.
Speaker 2: Don't you're not worthy of job and you just viral.
Speaker 4: And so they could be the case that your partner's
Speaker 4: actively trying or maybe just like really really low and
Speaker 4: isn't like trying as hard as they once were. But
Speaker 4: either way, I think that the person who is you know,
Speaker 4: has lost their job and is looking definitely needs support
Speaker 4: and there's no rush really, like I understand like people
Speaker 4: have different you know, goals, and it's like, oh my god,
Speaker 4: we're so close, like we're going to buy a house
Speaker 4: at the end of this year, but really connection and
Speaker 4: love is way more important, and if you love each other,
Speaker 4: then I think just keep being patient, which I know
Speaker 4: sucks to because if you're in it, it's like I
Speaker 4: under totally understand the fear. But then on the flip side,
Speaker 4: if your partner's like just not communicating and not trying
Speaker 4: and not you know, anything, then that definitely needs a
Speaker 4: very very serious conversation. That's probably symptomatic if something bigger.
Speaker 4: Maybe they don't you know, maybe they don't actually care
Speaker 4: about this financial goal. Maybe that maybe that means that
Speaker 4: they they're not respecting you as much as they should
Speaker 4: and all these other things. So I'm like if that's
Speaker 4: the case the case. If it feels more like that,
Speaker 4: then that's definitely you definitely need to talk about your
Speaker 4: future together. In your future financially, communication is key.
Speaker 2: Shuger, I agree.
Speaker 3: I think that it's hard because your partners obviously tried
Speaker 3: to draw a boundary in saying they'll come to you
Speaker 3: with updates. But at the same time, if I was
Speaker 3: in our listener's shoes, I think that I also would
Speaker 3: probably be stressing. And I think, as you said, maybe
Speaker 3: communicating to them and saying, hey, like, I understand that
Speaker 3: you're probably under a lot of stress because you're, you know,
Speaker 3: not feeling like you're being able to get a job
Speaker 3: and validate them, and I understand that you're trying.
Speaker 2: I see that.
Speaker 3: But from my end, I also would really appreciate being
Speaker 3: kept in the loops so that I can have an
Speaker 3: understanding of what's going on because we are in this together,
Speaker 3: particularly if we're sharing goals and finances. The one piece
Speaker 3: of actionable advice I would give is that if you've
Speaker 3: been applying and applying for nine months, and you know,
Speaker 3: our listener said that he was applying across a range
Speaker 3: of industries, I would suggest that maybe he needs to
Speaker 3: be applying for lower level roles. Like if you're applying
Speaker 3: over nine months and you're still not having any luck
Speaker 3: and you're getting to the point where you're stressed about money,
Speaker 3: as hard as it is, you might just have to
Speaker 3: go I'll take what I can get totally. I'll pick
Speaker 3: up an evening shift at the pub, or I'll you know,
Speaker 3: instead of being a senior manager of marketing, I'll take
Speaker 3: a marketing manager or a marketing assistant. And it sucks,
Speaker 3: but there's no shame in just taking what you can
Speaker 3: get to keep yourself afloat.
Speaker 2: Until we keep you on track to get your goals correct.
Speaker 3: You can still interview for jobs, like you can keep applying,
Speaker 3: keep applying, keep interviewing, but it sounds like you're at
Speaker 3: the point where you just kind of or your partner
Speaker 3: just needs a job to have some money coming in
Speaker 3: to maybe fill the gap on the resume, to make
Speaker 3: sure that you guys are able to achieve your goals.
Speaker 3: And I think, as hard as it is, sometimes you
Speaker 3: do just have to take a step backwards to take
Speaker 3: a step forwards, you know, take a slightly lower role
Speaker 3: so that you can progress within that company, or take
Speaker 3: a slightly lower role so that you can work on
Speaker 3: building your skill set or study or do whatever. But
Speaker 3: nine months is a really long time and it's definitely
Speaker 3: not always the fault of the app can but it
Speaker 3: sounds like you're getting to the point where you just
Speaker 3: need to be able to do something, and that would
Speaker 3: probably be That's what I would do personally.
Speaker 2: I think that's great advice, Like that's it's just kind
Speaker 2: of like, get out there, get a job because do
Speaker 2: you know what? It obviously is much harder done than said,
Speaker 2: but being employed is going to make you more employable
Speaker 2: to your dream job as well. Yeah, oh, I've actually
Speaker 2: got a job at the moment, Like I want to
Speaker 2: step up into this or do you know what? The
Speaker 2: work ethic? I remember, and I've said this before on
Speaker 2: the podcast about you, Jess, I remember when I hired you,
Speaker 2: you'd been made redundant, were going through COVID I in
Speaker 2: order and I was like, what are you doing at
Speaker 2: the moment? And you were like, I'm working in a
Speaker 2: warehouse and I was like doing what And You're like
Speaker 2: packing boxes and I was like great, Like I adored
Speaker 2: that work ethic. That's the type of person that I
Speaker 2: want working for me, But the contrast would have been, Oh,
Speaker 2: I'm just waiting to find my perfect job. I got
Speaker 2: made redundant and I want to like it spoke volumes
Speaker 2: about your character that you were like, I'll just do
Speaker 2: anything actually to fill my time, to keep money coming
Speaker 2: in and food on the table. I was like, mad, respect,
Speaker 2: that's the type of person I want to surround myself with.
Speaker 2: And I literally didn't even take it much further. I
Speaker 2: was like, I don't think I even cared about qualifications.
Speaker 2: It was all about work ethic And I was like,
Speaker 2: that is who I want on my team. Yeah, and
Speaker 2: I think that that's really important to remember. Not because
Speaker 2: I'm like gold standard employer, but like that's how most
Speaker 2: people would see it. Like, and it's not a bad thing.
Speaker 2: I guess updating your resume. I know you've had a
Speaker 2: look at it, but like, would it be worth getting
Speaker 2: somebody external to have a look at it and tailor it?
Speaker 2: Are you using targeted cover letters?
Speaker 3: Yeah?
Speaker 2: Big one. So like you're just submitting your resume on Seek.
Speaker 2: Like because if you're just going on Seek and hitting apply, Apply, Apply,
Speaker 2: like there's no tailoring, there's no personality, Like it is
Speaker 2: hard to get a job at the moment, and tailored
Speaker 2: cover letters do stand out, and I know that a
Speaker 2: lot of people, and like, we've had this heat before.
Speaker 2: You've probably seen it, just I don't know if you've
Speaker 2: paid attention to it on TikTok beck because I don't
Speaker 2: think we've done a lot of employment stuff recently. But
Speaker 2: people when I say, oh, write a tailored cover letter,
Speaker 2: They're like, I shouldn't have to do that. My experience
Speaker 2: should speak for itself. It's like, I totally agree with you,
Speaker 2: but like I'm not the one hiring, it's other people,
Speaker 2: and I'm giving advice that hopefully puts you ahead of
Speaker 2: the curve, that puts you ahead of the other applicants.
Speaker 2: And a tailored cover letter where you've clearly done your
Speaker 2: research and you understand, you know the company and the
Speaker 2: values it brings. Like people see that and go, wow,
Speaker 2: that's a lot of effort. I love someone who puts
Speaker 2: that effort into my business. I would be optimizing your LinkedIn. Yeah,
Speaker 2: so like not always the best thing for your industry.
Speaker 2: I don't know what industry you're in, but like making
Speaker 2: sure that your LinkedIn is up to date, has all
Speaker 2: of your current stuff, your degrees, like all of those things,
Speaker 2: so that if someone is looking you up, they're getting
Speaker 2: a really clean experience of what you do, how you
Speaker 2: do it. Also cleaning up your online presence. No, it's
Speaker 2: a relevant thing.
Speaker 3: Like in this day and age, people are looking people
Speaker 3: on Facebook and Instagram and whatever to see who they
Speaker 3: might be hiring.
Speaker 2: I don't think anyone in our community is going to
Speaker 2: have a presence that is negative. But like if there
Speaker 2: are things online like I don't know, you love to
Speaker 2: blast your current boss on Twitter or something, and like
Speaker 2: it's quote anonymous, but it's under your government name, and
Speaker 2: then I somehow google you and find that I don't
Speaker 2: want you working for me. That's weird. So I think
Speaker 2: that just making sure that you're dotting all your e's
Speaker 2: and crossing all your t's, and yeah, I think professional
Speaker 2: help could help. Like I know you're chewing three savings
Speaker 2: at the moment, but like sitting down and maybe talking
Speaker 2: to a career coach, maybe talking to someone who does
Speaker 2: a professional resume. Like not the worst idea in the
Speaker 2: entire world, because I'm not saying that you don't know
Speaker 2: what you're talking about, but like, clearly something's got to change.
Speaker 2: True and maybe your partner. I don't know. I don't
Speaker 2: like getting advice from my partner. Yeah, I don't want
Speaker 2: to be told by him that, oh, yoursmey is not
Speaker 2: good enough whatever. Maybe like an external doing that would
Speaker 2: feel a little bit nice, I'm sure. So it feels
Speaker 2: can sometimes feel like, oh my god, I'm already.
Speaker 3: Yeah, that's anything, Like don't they are probably feeling embarrassed.
Speaker 3: Like I know that when I took a job that
Speaker 3: was not there's anything wrong with working a warehouse like it, but.
Speaker 2: It was just not work done before.
Speaker 3: But it was not like Youurine, I'd been a career girly,
Speaker 3: and I was like, wow, like I feel a little
Speaker 3: bit like I'm taking a step in that doesn't a
Speaker 3: differentiation to the direction that I want to be going,
Speaker 3: and that felt really embarrassing. And not finding a job
Speaker 3: for such a long period of time can also feel
Speaker 3: really embarrassing.
Speaker 2: So and I was literally the opposite. When I looked
Speaker 2: at you from the outside, I was like, whoa, Like
Speaker 2: that's ilite ye, So like people, I promise looking at
Speaker 2: you from my perspective, not the way that you're seeing
Speaker 2: yourself in that moment.
Speaker 3: So like reminding him that that's the case, but also
Speaker 3: there's nothing to be embarrassed about, like you've got it.
Speaker 3: Sometimes you just got to do what you gotta do
Speaker 3: and whatever that looks like, that's okay.
Speaker 2: I was just gonna say, I use I use recruitment agencies,
Speaker 2: and I don't know if that's the thing. That's a
Speaker 2: great ideas. Use those because they're like they're kind of
Speaker 2: like out there and they're doing the work for you,
Speaker 2: and let's play. I love those places. We did ask
Speaker 2: the community. We were like, we have your two cents please.
Speaker 2: We said, if you were our community member, what would
Speaker 2: you do. Nineteen percent of you said, try and help
Speaker 2: with the job hunt, twelve percent said I'm going to
Speaker 2: give them space to figure it out, and sixty nine
Speaker 2: percent said I'm going to need to have a serious
Speaker 2: conversation about next steps. We then asked, have you or
Speaker 2: have you had a partner that has experienced extended unemployment.
Speaker 2: Thirty one percent said, yep, it was really hard it
Speaker 2: would be. Thirty one percent beck yeah, sixty five percent
Speaker 2: said no. Luckily enough. Four percent of you said I'm
Speaker 2: actually in the same boat right now. I'm so sorry.
Speaker 2: You has tough spot to save that so next we said,
Speaker 2: all right, give us your actual two cents, type out
Speaker 2: how you're feeling. Someone said, as the partner who was unemployed,
Speaker 2: please just give them space. They feel guilty enough already
Speaker 2: that's been reiterated in the way that you were saying
Speaker 2: you for feeling Beck. Yeah, and I just I totally
Speaker 2: respect that, but it's often not a reflection on news
Speaker 2: softa to reflection of the market. Someone else said, make
Speaker 2: it a fun night activity. Why not have a pizza,
Speaker 2: some drinks and do some team job searching together.
Speaker 3: Cute.
Speaker 2: Yeah, that's nice. It's also just a really nice idea.
Speaker 2: Like imagine if Jess turned around and said, Beck, I
Speaker 2: don't judge you for not having a job, but do
Speaker 2: you want to get a pizza and just like deep
Speaker 2: dive one evening? True, I feel really supportive.
Speaker 1: Yeah.
Speaker 2: Someone else said. The other thing is what are they
Speaker 2: doing while not working right now? That's a big one.
Speaker 3: Are they helping picking up slack around the house or
Speaker 3: are they playing video games in their pjs all day?
Speaker 1: Yeah?
Speaker 2: And I mean you did say that they weren't living together,
Speaker 2: but surely you could get a good idea of what
Speaker 2: they're doing in their sharehouse or what they're doing in
Speaker 2: their parents' house or what that looks like. Someone else said,
Speaker 2: hr here, try applying for temporary roles first, more immediately
Speaker 2: available and recruiters will actually help you. That's a great
Speaker 2: a suggest Someone else said, there is an element of
Speaker 2: who you know. Maybe attend some networking events or reach
Speaker 2: out to your network also really good, depending on what
Speaker 2: industry you Yeah. Someone said, shared financial and life goals
Speaker 2: mean you do get input into the other person's life.
Speaker 2: That's a that's and that's kind of how I feel.
Speaker 2: That's what I'm saying.
Speaker 3: I was like, I understand, and you should respect somebody's boundary.
Speaker 3: But at the same time, I can also understand that
Speaker 3: if it affects you as the partner, you have a
Speaker 3: right to at least have a seat at the table
Speaker 3: for a conversation. How much you're entitled to is to
Speaker 3: be decided between the two of you, but once you
Speaker 3: are working towards things together, you're at.
Speaker 2: The same table. Yeah. Yeah, I like that idea. I
Speaker 2: haven't really thought about like what entitles you to have
Speaker 2: a opinion, but it's nice to have some I guess boundaries.
Speaker 2: Someone else said, totally get it. The job market is
Speaker 2: really hard right now. My partner applied for more than
Speaker 2: two hundred jobs last year and got two interviews. That
Speaker 2: is crell it's happening. It's so weird. That is awful.
Speaker 2: But also thank you for sharing, because I know that
Speaker 2: so many people are in this situation, and I think
Speaker 2: that the person that might have written in is like,
Speaker 2: is there something wrong. It's like, it's actually hard for
Speaker 2: so many people at the moment, and you can start
Speaker 2: to think it's you. It's not like, more often than not,
Speaker 2: it's absolutely not. Someone else said, sounds like the partner
Speaker 2: needs to apply for temporary jobs outside of his field.
Speaker 2: So similar to your advice, yess, and also similar to
Speaker 2: that advice from HR and then the last one because
Speaker 2: I won't go on and on said tell them they
Speaker 2: could like do Nightville or cleaning or uber It's or
Speaker 2: any other job to keep them away from a dog
Speaker 2: GMLM so much. Yeah, an MLM is not an option.
Speaker 2: It'll actually end up probably costing you more than what
Speaker 2: you would make, so that's not a good opportunity. Anyway,
Speaker 2: That's a great place to leave it. I love you guys.
Speaker 2: You are so funny. Have a good week. We'll see
Speaker 2: you bright early Monday morning from Money Diary. Until then,
Speaker 2: enjoy the weekend, my loves Bye, guys bye. The advice
Speaker 2: shared on She's on the Money is general in nature
Speaker 2: and does not consider your individual circumstances. She's on the
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Speaker 2: relied upon to make an investment or financial decision. If
Speaker 2: you do choose to buy a financial product, read the
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