WEBVTT - Hear Me Out: I Struggle To Spend Money 0:00:00.200 --> 0:00:03.240 My name's Tatasha Bamblet. I'm a proud First Nations woman 0:00:03.600 --> 0:00:08.559 and I'm here to acknowledge country. Te Glenn Young Ganya Niana, 0:00:08.680 --> 0:00:11.920 Kaka ya Ya beIN ah Waka Nian our gay In Nimbini, 0:00:11.960 --> 0:00:16.000 yak um Jar, dominyamiga Umaga, Ihowaka, Nile, Waman damon Immalan, 0:00:16.640 --> 0:00:19.560 Bumba bang gadaboma in and now in Waka ghana on 0:00:19.600 --> 0:00:24.439 yak rum Jar Watanadaa. Hello, beautiful friends, we gather on 0:00:24.520 --> 0:00:27.480 the lands of the Aboriginal people. We thank acknowledge and 0:00:27.600 --> 0:00:30.080 respect the Aboriginal people's land that we're gathering on today. 0:00:30.680 --> 0:00:33.199 Take pleasure in all the land and respect all that 0:00:33.320 --> 0:00:37.879 you see. She's on the Money podcast acknowledges culture, country, 0:00:38.520 --> 0:00:43.640 community and connections, bringing you the tools, knowledge and resources 0:00:43.920 --> 0:00:44.560 for you to thrive. 0:00:44.840 --> 0:00:46.560 She's on the Money. 0:00:46.800 --> 0:00:52.199 She's on the Money. Hello and welcome to She's on 0:00:52.280 --> 0:00:55.560 the Money, the podcast that makes personal finance fun, especially 0:00:55.720 --> 0:00:58.760 on a Friday. Beck and I are back with another 0:00:58.920 --> 0:01:01.440 edition of Friday Drinks, where we get together to celebrate you, 0:01:01.800 --> 0:01:05.080 our incredible shites on the Money community. While Vituere's away, 0:01:05.120 --> 0:01:07.120 we'll be hearing all of your money wins and boat 0:01:07.160 --> 0:01:09.920 tips help push it your dollar further. Speaking of this 0:01:10.000 --> 0:01:12.640 week's money Dilimma is all about spending, specifically how to 0:01:12.680 --> 0:01:16.240 spend responsibly when you've grown up frugal. And as always, 0:01:16.280 --> 0:01:18.360 we'll be answering a left of center question from our 0:01:18.400 --> 0:01:21.040 community and a DM that asks whether it's okay to 0:01:21.080 --> 0:01:23.840 withdraw your investments if you've got to kill a business idea. 0:01:24.440 --> 0:01:26.320 If you've always wanted your money dilemma ends it on 0:01:26.360 --> 0:01:28.600 the show, please head to our website and record your 0:01:28.600 --> 0:01:31.480 message on the podcast page. We love hearing from you, 0:01:31.640 --> 0:01:34.240 and your dilemma might just help another listener who's going 0:01:34.440 --> 0:01:37.600 through it now. Beck I, Hello, how are you? 0:01:37.720 --> 0:01:38.240 And good? Hell? 0:01:38.360 --> 0:01:40.600 You could fun when it's the two of us. 0:01:40.720 --> 0:01:41.039 I know. 0:01:42.840 --> 0:01:45.160 I can just tell that you are raring to share 0:01:45.200 --> 0:01:45.920 a review with us. 0:01:46.240 --> 0:01:48.560 Oh my goodness, I'll say one of our favorites, because 0:01:48.560 --> 0:01:51.560 we have a couple favorites in this episode. The whole 0:01:51.600 --> 0:01:53.720 thing is our favorite. One of our favorite parts of 0:01:53.800 --> 0:01:56.240 the episode is the five star review, and the rumors 0:01:56.240 --> 0:01:58.480 are true. It is time for a five star review, 0:01:58.520 --> 0:02:00.880 and this one comes from Jenna, who says, just listen 0:02:00.920 --> 0:02:03.080 to the episode with Jess and Beck missed fe d 0:02:03.240 --> 0:02:05.600 of course, but just wanted to say what a vibe. 0:02:05.680 --> 0:02:09.760 Your genuine laughter, so contagious, perfect drive to work listen, 0:02:10.360 --> 0:02:14.040 impossible not to smile. Thank you. Side note, I started 0:02:14.080 --> 0:02:16.960 investing in chairs eas since listening to your podcast fifty 0:02:16.960 --> 0:02:19.440 dollars a week on auto invest I'm up to fifteen 0:02:19.560 --> 0:02:22.320 hundred dollars and have set the next five year investing goals, 0:02:22.600 --> 0:02:24.720 which will require me to add more money above the 0:02:24.760 --> 0:02:27.480 fifty dollars a week to hit my goals. I'm also 0:02:27.560 --> 0:02:29.959 going to chat to our accountants soon about making extra 0:02:30.040 --> 0:02:33.040 super contributions. Thanks again for sharing your knowledge with us 0:02:33.080 --> 0:02:35.359 all that's so nice. Thank you. 0:02:36.600 --> 0:02:38.840 That makes me feel really good because you're gonna hear 0:02:38.880 --> 0:02:40.799 a little bit of us in the next few weeks. 0:02:41.160 --> 0:02:42.959 And I've been a little bit stressed because I know 0:02:43.040 --> 0:02:46.200 that everybody comes here for the financing and the VD 0:02:46.480 --> 0:02:49.359 knowledge and you know tiny they want to learn. Yeah, 0:02:49.520 --> 0:02:51.959 understandably so, and sometimes I just think, well, I don't 0:02:52.000 --> 0:02:55.440 know what I'm offering you, but I know I'm glad 0:02:55.440 --> 0:02:57.320 you're enjoying it, and so I was. 0:02:57.680 --> 0:02:59.680 It just explained to Jess off air that it will 0:02:59.720 --> 0:03:02.320 feel like and let's all take it as though it's 0:03:02.360 --> 0:03:04.760 a school day and it's raining and you're inside watching 0:03:04.760 --> 0:03:06.920 a movie. It's like, maybe you're not learning anything today, 0:03:07.320 --> 0:03:09.200 but we're just going to be cozy and have fun. 0:03:09.360 --> 0:03:12.200 Yeah, the substitute teacher is purely just here to fill 0:03:12.280 --> 0:03:15.520 some space. Make sure nobody kills each other exactly exactly, 0:03:15.840 --> 0:03:19.160 sc everybody, behave and we'll pop the movie on for you. 0:03:19.520 --> 0:03:22.440 Yeah, get crazy. Thank you so much, Yeta, it's so sweet. 0:03:22.480 --> 0:03:25.280 Thank you for sharing. Keep those reviews coming through. It's 0:03:25.320 --> 0:03:27.079 a highlight of the week. You can share reviews of 0:03:27.160 --> 0:03:29.760 She's and the Money wherever you get your podcasts. Not 0:03:29.840 --> 0:03:31.320 that it doesn't make us feel nice, but it helps 0:03:31.360 --> 0:03:32.360 other people find us too. 0:03:32.800 --> 0:03:34.519 I know you're spreading the good word, as I always 0:03:34.639 --> 0:03:36.680 like to say, reading the good word exactly right, and 0:03:36.800 --> 0:03:39.120 we really appreciate you. Now, are you ready for this 0:03:39.240 --> 0:03:40.800 week's question of the Wei? 0:03:41.120 --> 0:03:42.520 Yes please, yes please. 0:03:42.680 --> 0:03:44.920 They've been really good lately. I feel like Victoria is 0:03:45.240 --> 0:03:48.800 missing out and Jess excellent name, would like to know 0:03:49.720 --> 0:03:53.160 which fictional character would you recommend She's on the Money too. 0:03:53.560 --> 0:03:55.200 WHOA, that's a good one. 0:03:55.680 --> 0:03:59.120 I'm going to go like a Cinderella Cinderella. Well, because 0:03:59.240 --> 0:04:02.720 I think she comes from nothing, she's got no money, 0:04:03.000 --> 0:04:04.600 and all of a sudden she's really rich because she's 0:04:04.640 --> 0:04:05.280 married a prince. 0:04:05.640 --> 0:04:05.880 True. 0:04:06.000 --> 0:04:07.960 True, It seemply makes sense to me that you'd want 0:04:08.000 --> 0:04:10.360 a little bit of financial literacy, don't rely on them. 0:04:10.480 --> 0:04:15.520 Yes, yes, and this is like prime not that it 0:04:15.560 --> 0:04:20.800 would be intentional maybe maybe not prime financial abuse dependence situation, 0:04:21.000 --> 0:04:21.599 because she's. 0:04:21.520 --> 0:04:27.160 Like never significant women's rights and exactly exactly, so I 0:04:27.279 --> 0:04:28.400 was like, yeah, she needs it. 0:04:28.800 --> 0:04:32.720 I just, oh my god, Well I was on the 0:04:32.760 --> 0:04:34.320 same train as you, but I'm like, I didn't want 0:04:34.320 --> 0:04:37.320 to like recommend to just women. I wanted to recommend 0:04:37.360 --> 0:04:41.080 it to Squidward because I feel like he is He's 0:04:41.560 --> 0:04:43.840 I don't think he's financially literit, of course, I mean, 0:04:44.000 --> 0:04:47.320 can'try her, but mister Crabs is, and then SpongeBob is silly, 0:04:47.320 --> 0:04:48.560 and then he's in the middle. I feel like he's 0:04:48.560 --> 0:04:49.760 got the bones for it. 0:04:50.320 --> 0:04:52.320 Is mister Krabbs taking advantage of sword. 0:04:52.640 --> 0:04:54.440 I don't think. So have you spen seen SpongeBob? 0:04:54.839 --> 0:05:00.760 Not really really, that's crazy. I know, like this is Patrick, 0:05:02.320 --> 0:05:05.360 that's so you, that's so sweet. 0:05:06.200 --> 0:05:08.120 No, not necessarily, I just think that in terms of 0:05:08.240 --> 0:05:13.120 like brain sponginess, that you could only really put it on. 0:05:13.720 --> 0:05:16.679 That I'm christ I say, and you know what financial 0:05:16.680 --> 0:05:22.960 literally is for everybody, even everybody giant squids exackly question 0:05:23.920 --> 0:05:25.680 you're dying to know the answer to you. We've got 0:05:25.839 --> 0:05:28.560 some really great deep answers for my friends. You can 0:05:28.640 --> 0:05:30.680 send it through in the comments on Spotify, or you 0:05:30.720 --> 0:05:33.000 can damn it to us. Whatever votes your boat, We 0:05:33.040 --> 0:05:33.640 don't mind. 0:05:34.400 --> 0:05:35.880 So should we move on to the money wins? 0:05:36.080 --> 0:05:37.920 Absolutely, I've got some goodies this week for you. 0:05:38.000 --> 0:05:38.600 It's amazing. 0:05:38.760 --> 0:05:41.279 First one I've got comes from Morgan, who said, Irang 0:05:41.320 --> 0:05:43.599 Medibang Private ready to have a bit of a winge 0:05:44.120 --> 0:05:47.200 because there are always promos for new customers, but nothing 0:05:47.240 --> 0:05:49.400 ever pops up for those of us that are already existing, 0:05:49.520 --> 0:05:52.919 and they immediately have discounted my cover by ten percent 0:05:52.960 --> 0:05:53.880 for the next twelve months. 0:05:54.040 --> 0:05:54.280 Wow. 0:05:55.120 --> 0:05:56.640 All I'm saying is sometimes it pays to have a 0:05:56.680 --> 0:06:00.880 wingch Exactly, well done, Morgan. Next time money went from Kimberly, 0:06:00.960 --> 0:06:02.719 who said I took a phone call from a relative 0:06:02.800 --> 0:06:06.039 on my birthday after ordering my takeaway coffee. The shop 0:06:06.040 --> 0:06:08.360 assistant overheard and told me I could pick something from 0:06:08.400 --> 0:06:11.880 the cabinet for free. She scored a free gourmet muffin 0:06:12.040 --> 0:06:14.040 and it made her day as a working mum who 0:06:14.120 --> 0:06:15.840 was on her way to work on a Sunday on 0:06:16.000 --> 0:06:18.360 her birthday. Oh my god, have you heard there, Kimberly. 0:06:18.440 --> 0:06:20.040 I hope you had a great day, and good on 0:06:20.120 --> 0:06:22.240 your fastling hard And how nice of that kill of 0:06:22.279 --> 0:06:24.640 the cafe too true, That's so sweet. I love a 0:06:24.680 --> 0:06:27.880 little community moment. Next, I've got one from Kayla who said, 0:06:27.960 --> 0:06:31.000 I've be getting so many kids clothes on Clearance, which 0:06:31.000 --> 0:06:33.320 I'm buying for next season for my girls just by 0:06:33.400 --> 0:06:36.440 purchasing the next size up. She said, I'm literally buying 0:06:36.520 --> 0:06:40.760 them for two to five dollars per item. Genius crazy 0:06:40.839 --> 0:06:43.440 as well, And kids go through clothes so quickly, yeah, 0:06:43.600 --> 0:06:45.760 like they either ruin them at daycare, so I've heard, 0:06:46.120 --> 0:06:49.200 or they just grow out of them really fast. So 0:06:49.320 --> 0:06:51.039 buying up a couple of size is just having them 0:06:51.120 --> 0:06:55.279 tucked away, especially if it's two bucks. Totally, very very clever. 0:06:56.040 --> 0:06:58.200 Then I've got one from clear who said I tore 0:06:58.279 --> 0:07:01.040 my acl and hobbled to the medical center which had 0:07:01.120 --> 0:07:03.880 after hours, and just asked for some crutches. I didn't 0:07:03.880 --> 0:07:06.040 need to see anybody because I've done it before, so 0:07:06.160 --> 0:07:08.400 sorry to hear clear, the ACL is never a fun 0:07:08.440 --> 0:07:10.320 one to do. They said, they'll give me the crutches 0:07:10.360 --> 0:07:12.720 to hire, which will be sixty dollars, but I have 0:07:12.880 --> 0:07:15.840 to see somebody first, which would be another sixty dollars 0:07:15.880 --> 0:07:17.920 for the appointment. So I said no, thank you and 0:07:18.000 --> 0:07:21.200 just hopped away. I asked a largish group chat if 0:07:21.240 --> 0:07:23.160 anybody happened to have a pair of crutches, and I 0:07:23.240 --> 0:07:26.640 got given them straight away. Great, so I saved myself 0:07:26.680 --> 0:07:28.760 one hundred and twenty dollars and I got to keep them. 0:07:29.040 --> 0:07:35.200 I mean, consider me really something lucky, maybe also ignorant, maybe, 0:07:35.280 --> 0:07:37.320 but I just didn't know you had to pay for crutches. 0:07:37.360 --> 0:07:38.360 But also like, yeah, where did. 0:07:38.320 --> 0:07:40.400 They come from? But that's it's like if you break 0:07:40.520 --> 0:07:42.080 your arm, you have to buy a sling. 0:07:42.280 --> 0:07:43.440 You have to buy a sling. 0:07:43.640 --> 0:07:44.760 So I break my arm when I was a kid, 0:07:44.760 --> 0:07:47.520 so it's been a very long time. But they would, oh, true, 0:07:47.640 --> 0:07:52.520 it's touch wood, touch wood. Whenever I do that, my 0:07:52.560 --> 0:07:56.560 boyfriend always says, sister, that's just so cute that no, 0:07:56.720 --> 0:07:58.480 so broy my arm, and they I think they temporary 0:07:58.520 --> 0:08:00.400 sling there with just a b bandage, but then the 0:08:00.880 --> 0:08:03.680 one that you can wear constantly, wash and stuff, Yeah, 0:08:03.680 --> 0:08:05.080 you have to buy. And I'm pretty sure they weren't 0:08:05.120 --> 0:08:08.280 cheap either, jeez. My reference of ficiar. He is constantly 0:08:08.320 --> 0:08:11.960 bringing home like compression things and like different wraps, and 0:08:12.120 --> 0:08:13.640 it's stuff that people have to buy, and it can 0:08:13.680 --> 0:08:15.120 get pretty pricey from what I've seen. 0:08:15.240 --> 0:08:15.520 Jeez. 0:08:16.040 --> 0:08:19.960 Then I've got two money wins, both from Jessica's. There's 0:08:20.000 --> 0:08:23.440 a lot of praying around. So Jessica, Jessica up, that's 0:08:23.480 --> 0:08:26.160 what her name is on Facebook said. My client canceled 0:08:26.200 --> 0:08:27.880 their shift just as I was turning into their streets, 0:08:28.280 --> 0:08:29.920 which you'd think would be a money loss, but I 0:08:29.960 --> 0:08:31.560 still get paid for it, so I'm counting it as 0:08:31.600 --> 0:08:32.040 a money win. 0:08:32.520 --> 0:08:33.080 Hell yeah. 0:08:33.520 --> 0:08:36.040 And then the other Jessica said, I visited the Haiges 0:08:36.160 --> 0:08:38.520 chocolate factory when I was on a weekend trip to Adelaide. 0:08:38.800 --> 0:08:41.280 They had a second section which was a lot cheaper 0:08:41.400 --> 0:08:44.760 but tasted just as good. Such good value basically because 0:08:44.800 --> 0:08:49.439 the chocolate wasn't poured symmetrically. Oh just beautiful too. 0:08:49.840 --> 0:08:53.160 Yeah, totally. It's like the odd bunch of Hayes is yes, yeah. 0:08:53.000 --> 0:08:54.480 One hundred percent like ones that are a little bit 0:08:54.480 --> 0:08:57.079 wonky or don't meet the standards. That's so far and 0:08:57.120 --> 0:09:00.240 we'll take it absolutely. And then last of this, I've 0:09:00.240 --> 0:09:02.200 got money in from Kaylor who said I have been 0:09:02.240 --> 0:09:05.160 looking at Ikea wardrobes as a project at home. I 0:09:05.280 --> 0:09:08.079 found exactly what I wanted with additional add ons from 0:09:08.080 --> 0:09:11.080 a seller on Facebook Marketplace, five hundred and fifty dollars 0:09:11.120 --> 0:09:14.520 out of pocket, with the total value being over two thousand, 0:09:14.720 --> 0:09:18.199 five hundred, massive savings and even more storage than I 0:09:18.280 --> 0:09:21.400 had planned and budgeted for gorgeous. I hadn't thought to 0:09:21.480 --> 0:09:23.679 look on Facebook Marketplace for wardrobe stuff, and as someone 0:09:23.720 --> 0:09:25.640 who is getting ready to do that for the new 0:09:25.679 --> 0:09:27.960 build when it's done, I will be trawling. 0:09:28.360 --> 0:09:30.520 Oh absolutely, you can find some good stuff on there. 0:09:30.640 --> 0:09:30.800 I know. 0:09:30.920 --> 0:09:32.520 I'm so excited to go hunting. 0:09:32.840 --> 0:09:34.959 Oh my god, can I keep my you know, like 0:09:35.040 --> 0:09:37.040 sometimes it notifies you if something comes up. Can I 0:09:37.120 --> 0:09:39.640 put wardrobe whatever else you're looking for in there? 0:09:40.120 --> 0:09:43.480 I'll your yes, please, It's always fun. 0:09:43.520 --> 0:09:45.000 I love to window shops. Oh my gosh. 0:09:45.120 --> 0:09:47.520 Well, the community is absolutely killing it. But you know 0:09:47.640 --> 0:09:49.560 this already because you've been reading their broke tea. 0:09:49.720 --> 0:09:52.920 Yes, ma'am, what good ones have you got? Okay, so 0:09:53.120 --> 0:09:56.320 this first one, I just thought i'd start off nice 0:09:56.360 --> 0:09:59.079 and light, but just I think it's interesting. You know 0:09:59.120 --> 0:10:02.400 when you get those Lebanese cucumbers and they come in 0:10:02.480 --> 0:10:03.120 like the plastic. 0:10:03.440 --> 0:10:04.640 Yes, why they am plastic? 0:10:04.760 --> 0:10:07.679 I don't know, to be honest, but I just know 0:10:07.840 --> 0:10:09.599 that I don't know how you do it, but I 0:10:09.800 --> 0:10:11.920 like slice it off and I take the whole thing 0:10:11.920 --> 0:10:14.199 off and then I just like do whatever. But I 0:10:14.280 --> 0:10:16.760 saw this thing on TikTok. This TikTok was sent me 0:10:16.960 --> 0:10:19.160 by Yana. Thank you so much, Yana. And so you 0:10:19.280 --> 0:10:21.920 get that long plastic sleeve and you don't fully cut 0:10:21.960 --> 0:10:24.719 it off, You just like fold it. You kind of 0:10:25.000 --> 0:10:28.840 twist the top and then on the side. It's really 0:10:28.920 --> 0:10:30.199 hard to explain, but you do. 0:10:30.920 --> 0:10:31.360 Beautiful. 0:10:31.400 --> 0:10:41.160 Hand just realized, So that is a thick cucump. 0:10:45.960 --> 0:10:49.199 Sorry, I'm a handog to. 0:10:52.320 --> 0:10:56.440 Well it's not something I'm used to, but you twist 0:10:57.280 --> 0:11:02.920 the plastic wrapping. I'm anti clockwise, yeah, until almost like 0:11:03.520 --> 0:11:05.160 you know when you're like watching a movie, it's like 0:11:05.320 --> 0:11:07.640 robotic doors like kind of close all the way in 0:11:08.160 --> 0:11:11.400 into a circle. It's like that is happening at the 0:11:11.480 --> 0:11:13.880 top of the cucumber. I know it doesn't make any sense, 0:11:14.800 --> 0:11:16.280 And maybe we'll link the TikTok in. 0:11:16.320 --> 0:11:20.079 A discressions, or we'll cut these video into socials and 0:11:20.160 --> 0:11:21.680 put it maybe on one of ours. So I don't 0:11:21.679 --> 0:11:23.400 think that's making fuss. 0:11:23.559 --> 0:11:26.720 So fair if we could maybe dub something over the top, 0:11:26.800 --> 0:11:30.359 because the hand gestures don't really go with this cucumber, 0:11:30.760 --> 0:11:31.760 we can put it on TikTok and. 0:11:31.800 --> 0:11:34.720 Maybe somebody can, like preparing captions. 0:11:34.520 --> 0:11:36.679 With going captions, puts a music over the top and 0:11:36.760 --> 0:11:38.760 then just like whatever you think is happening. 0:11:40.080 --> 0:11:41.080 That's so funny. 0:11:41.400 --> 0:11:44.040 So all that to say, you can keep it fresh 0:11:44.280 --> 0:11:47.440 and maybe save that plastic and I think you've got 0:11:47.520 --> 0:11:49.400 to throw it out eventually, but it just feels like 0:11:49.440 --> 0:11:51.000 such a dreadful waiste. 0:11:51.320 --> 0:11:52.800 Yes, agree, what's next? 0:11:52.920 --> 0:11:56.120 The next one comes from Nadine. They saw this on Reddit. 0:11:56.200 --> 0:11:58.199 It looks like and it says I just ordered the 0:11:58.240 --> 0:12:00.240 same thing as I do every morning for macas a 0:12:00.280 --> 0:12:03.360 toasty and small tea. Some mornings it's seven seventy, others 0:12:03.400 --> 0:12:05.679 it's eight eighty. They asked why they are different some 0:12:05.800 --> 0:12:08.120 mornings and the lady said, it's how I ordered this morning. 0:12:08.160 --> 0:12:11.199 I ordered the toasty first and the tea yesterday, the 0:12:11.280 --> 0:12:13.480 tea than the toasty. That's how they get you and 0:12:13.600 --> 0:12:16.160 charge extra. She said. The toasty can be an add 0:12:16.240 --> 0:12:19.400 on making it cheaper. What a trick to charge extra? 0:12:19.800 --> 0:12:23.400 So surely like it doesn't matter what order they're put in. 0:12:23.640 --> 0:12:25.400 No, I think it does. And when I read it, 0:12:25.440 --> 0:12:28.720 I was like, true, because sometimes I guess if you're 0:12:28.800 --> 0:12:33.360 like ordering it anyway and there's no obligation to say, oh, hey, 0:12:33.440 --> 0:12:36.440 do you know if you got a combo a coffee 0:12:36.440 --> 0:12:39.319 and a toasty, then it's like cheaper if you And 0:12:39.400 --> 0:12:41.400 it's happened before where I've been like can I have 0:12:41.760 --> 0:12:44.199 this and then also grub fries and then also a 0:12:44.240 --> 0:12:46.240 grub a can it's like And then after I order, 0:12:46.280 --> 0:12:49.480 I realized that's literally me and me that's cheaper. And 0:12:49.559 --> 0:12:51.120 so like if you order it in a certain way 0:12:51.160 --> 0:12:54.040 and they have no obligation to say, hey, this is 0:12:54.080 --> 0:12:56.679 actually this thing, it's a little bundle, then you'd be 0:12:56.760 --> 0:12:57.960 charged more, I assume, so. 0:12:59.559 --> 0:13:02.600 Clever fun maybe I feel like you need to say, Hi, 0:13:02.679 --> 0:13:04.079 can I get a tea and toasty combo? 0:13:04.960 --> 0:13:05.160 Yeah? 0:13:05.200 --> 0:13:07.439 And it doesn't matter what you say first, because you're 0:13:07.480 --> 0:13:08.599 like clearly saying. 0:13:08.640 --> 0:13:12.360 Totally, you know, totally you should try that with everything. 0:13:12.440 --> 0:13:14.199 I feel like maybe there was a combo somewhere and 0:13:14.240 --> 0:13:16.719 they're like, whoa, how'd you know? That's a great one? 0:13:16.800 --> 0:13:19.559 Thank you so much. My one is really dumb, and 0:13:19.640 --> 0:13:22.599 I'm scared that everyone's gonna hate me for it. But 0:13:23.320 --> 0:13:27.240 this is my because I'm new to the lash game, 0:13:27.400 --> 0:13:30.040 the beauty game, you know. It's just I'm just trying 0:13:30.080 --> 0:13:32.599 to like take care of my skin these days. And 0:13:32.720 --> 0:13:34.840 so I just my friend went and got lash perm 0:13:35.200 --> 0:13:36.800 and I was like, well, I don't really have, like 0:13:37.000 --> 0:13:38.600 I don't know however much it is, maybe like eight 0:13:38.679 --> 0:13:41.040 olds or something, and so I was like, well, instead, 0:13:41.520 --> 0:13:43.800 I went and bought a lash curler and now I 0:13:43.920 --> 0:13:46.240 curl my lashes every single day twice a day, which 0:13:46.240 --> 0:13:50.040 is maybe really bad. And that is it's almost as effective, 0:13:50.040 --> 0:13:53.439 if not like the same as a lash perm and 0:13:53.920 --> 0:13:56.640 way cheaper. Did you guys know that that's a way 0:13:56.800 --> 0:13:58.800 cheaper good? 0:13:58.840 --> 0:14:00.800 You can also get kids to do them yourself at 0:14:00.840 --> 0:14:01.440 home to your in. 0:14:01.520 --> 0:14:03.840 Lash paan true, you can. And then also I haven't 0:14:03.840 --> 0:14:06.480 tried that serum where you get like long lashes. I 0:14:06.480 --> 0:14:08.200 don't know if that's real or not. Yeah, it seems 0:14:08.240 --> 0:14:10.640 like magic. But if anyone knows of any good ones, 0:14:10.720 --> 0:14:13.920 let me know, because I'm really I'm going through a 0:14:14.120 --> 0:14:18.320 skin face beauty change transformation. Thank you things. 0:14:18.440 --> 0:14:20.720 I've got some things that can give you great thank 0:14:20.800 --> 0:14:24.440 you amazing. So that's me for this week. He's in there. 0:14:24.520 --> 0:14:25.360 Thank you for sharing. 0:14:25.600 --> 0:14:27.240 Okay, so let's take a quick break, and when we 0:14:27.320 --> 0:14:29.280 come back, we'll be hearing about a money dilemma that's 0:14:29.320 --> 0:14:30.680 all about spending money. 0:14:34.520 --> 0:14:37.320 Welcome back, everybody. Let's take a listen to this week's 0:14:37.360 --> 0:14:38.080 money dilemma. 0:14:40.280 --> 0:14:42.600 Hi, there, have you got a money dilemma you just 0:14:42.680 --> 0:14:45.160 can't solve? The Sheese on the Money team is here 0:14:45.240 --> 0:14:48.440 to help. Every week, we tackle your dilemmas, both big 0:14:48.520 --> 0:14:51.200 and small, to answer your most burning money, career and 0:14:51.280 --> 0:14:54.480 life questions. To get involved, simply head to our website 0:14:54.480 --> 0:14:56.600 and leave us a short voice recording and you might 0:14:56.680 --> 0:14:57.920 just find yourself on the show. 0:14:58.400 --> 0:15:01.000 Now, let's take a listen to this this week's money dilemma. 0:15:03.480 --> 0:15:07.400 Hi, ladies, I'm just ringing with my money dilemma. I've 0:15:07.560 --> 0:15:10.600 been married to my husband for ten years and we 0:15:10.840 --> 0:15:15.880 are in a pretty comfortable money situation. We agree on 0:15:15.960 --> 0:15:19.200 almost everything, and the one thing that we don't necessarily 0:15:19.280 --> 0:15:24.480 agree on is when to spend our money because I 0:15:24.760 --> 0:15:28.240 don't feel comfortable spending our money. I grew up in 0:15:28.360 --> 0:15:33.560 a household where money was really tight. We didn't have 0:15:34.000 --> 0:15:37.760 money for luxuries, and it was always the basics. So 0:15:37.920 --> 0:15:40.840 now as an adult, when I do have money, I'm 0:15:40.920 --> 0:15:44.000 having a really hard time letting it go. I feel 0:15:44.040 --> 0:15:47.000 like a hoarder of the money, which is not always 0:15:47.040 --> 0:15:50.840 a bad thing, but I really want to understand how 0:15:50.920 --> 0:15:55.960 to let go of this childhood trauma and understand that 0:15:56.320 --> 0:15:57.880 spending your money is okay. 0:15:58.440 --> 0:15:59.920 Do you have any tips around this? 0:16:00.720 --> 0:16:01.040 Thanks? 0:16:01.480 --> 0:16:03.720 That's very fair. It's so interesting a lot of people 0:16:04.160 --> 0:16:06.120 when they grow up without money and there's like a 0:16:06.200 --> 0:16:11.520 bit of a scarcity kind of mindset. The difference that creates, 0:16:11.600 --> 0:16:15.720 like in adulthood is either for me, that created like 0:16:16.200 --> 0:16:18.800 I can't hold money, and then for other people it's 0:16:18.800 --> 0:16:21.600 like I can't spend money, and boy do I wish 0:16:21.680 --> 0:16:24.640 it was it was the other way. Not to say 0:16:24.680 --> 0:16:27.360 that it's easier or anything like that, of course, but 0:16:27.640 --> 0:16:30.400 I imagine that would be really, really tricky. So I think, 0:16:30.400 --> 0:16:33.080 obviously therapy is good all the time, no matter what. 0:16:33.280 --> 0:16:36.680 I really hate when people suggest therapy to me when 0:16:36.680 --> 0:16:39.200 I come to them with like advice, because it feels 0:16:39.280 --> 0:16:42.320 like they're saying you're too much and you're crazy and 0:16:42.440 --> 0:16:44.760 you definitely need therapy, like and that's not at all 0:16:44.840 --> 0:16:47.400 what I mean. No, And that's so I just don't 0:16:47.440 --> 0:16:49.440 want that to ever feel like that's what I'm saying. 0:16:49.480 --> 0:16:51.240 I just mean in general, like it's really good to 0:16:52.120 --> 0:16:54.160 but ironically it's like you got to spend money to 0:16:54.240 --> 0:16:56.200 do that, and it's like you don't really want to. 0:16:56.840 --> 0:16:58.640 That might be a tricky thing as well. I mean 0:16:58.680 --> 0:17:01.640 it should be free, but that'sry for another time. Therapy 0:17:02.320 --> 0:17:06.119 or I think just like honestly listening to we have 0:17:06.240 --> 0:17:09.600 some episodes about mindsets and know it's more than a mindset, 0:17:09.680 --> 0:17:11.480 steeper than a mindset. It's like, I don't want to 0:17:11.720 --> 0:17:14.920 minimize it, but I think that it would be helpful 0:17:15.119 --> 0:17:17.040 if you in the meantime, or if you're not in 0:17:17.119 --> 0:17:19.479 therapy right now, or you can't afford therapy right now, 0:17:20.040 --> 0:17:22.320 didn't listen to some of those episodes about mindset, and 0:17:23.000 --> 0:17:24.840 I find reddit really helpful. I know this is probably 0:17:24.880 --> 0:17:26.760 is not very helpful, but I find Reddit really helpful 0:17:26.760 --> 0:17:28.879 when it's like I would type in the most niche 0:17:29.040 --> 0:17:32.320 specific thing and then put red at the end, and 0:17:32.320 --> 0:17:34.520 there'll be people who have been through the exact same thing, 0:17:34.920 --> 0:17:37.680 have the exact same experience, and they will talk about 0:17:37.720 --> 0:17:39.680 how they kind of got out of it, and I think, yeah, 0:17:39.800 --> 0:17:42.720 just like following other people's journeys, googling it, going on 0:17:42.800 --> 0:17:45.320 Reddit and seeing how people kind of maybe we're in 0:17:45.320 --> 0:17:47.720 the same situation and manage that a little bit. So 0:17:48.200 --> 0:17:50.439 I think it's really helpful. But yeah, as someone who 0:17:50.600 --> 0:17:55.480 unfortunately grew up on the other end of the spending spectrum, 0:17:56.040 --> 0:17:58.600 I don't think I can offer too much useful advice 0:17:58.800 --> 0:18:01.159 in terms of how to spend because for me it 0:18:01.240 --> 0:18:02.080 comes far too easy. 0:18:03.720 --> 0:18:04.960 I would like to get the other way. I'd like 0:18:05.080 --> 0:18:06.920 to I think that's a really good shout. We have 0:18:07.000 --> 0:18:09.200 a full episode on managing spending gial. It is a 0:18:09.200 --> 0:18:10.760 few years old now, but I think it's a really 0:18:10.920 --> 0:18:14.320 good episode, especially because a lot of people deal with this. 0:18:14.440 --> 0:18:17.920 I think exactly as you said, our childhood experiences play 0:18:18.040 --> 0:18:21.159 such a pivotal role in our money stories and really 0:18:21.359 --> 0:18:23.360 inform how we feel about a lot of those things 0:18:23.400 --> 0:18:26.640 as adults, so you're definitely not alone in the experience 0:18:26.680 --> 0:18:29.040 that you're having where the people are on either end 0:18:29.080 --> 0:18:31.639 of the spectrum. It is more common, I think than 0:18:31.680 --> 0:18:33.720