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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impactful tomorrow.

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Speaker 2: Let's get into it.

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

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

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Speaker 2: for millennials who want financial freedom. Today is Friday, which

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Speaker 2: means it is time to get our little team together

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Speaker 2: and celebrate you our incredible She's on the Money community.

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Speaker 2: Today we're going to be sharing our favorite money wins

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Speaker 2: with Miss Griucci. Bexsa Ed is going to be sharing

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Speaker 2: a few hot broke tips. We're going to be helping

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Speaker 2: to answer a juicy money dilemma, which this week is

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Speaker 2: all about managing finances as a freelancer. And you slid

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Speaker 2: into our DMS about something spicy. So we're going to

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Speaker 2: be unpacking the topic of affording a pet later on.

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Speaker 2: My friends, how have your week's been? Very nice? Nice week,

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Speaker 2: very nice week, Just chill. What have I been doing

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Speaker 2: a life away? I'm working my LifeWay basically, yes, and

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Speaker 2: also having a nice time doing it. Stealing lots of

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Speaker 2: bread from the kitchen, stealing some bread, baby, you know it.

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Speaker 2: Many toasties, toasties, fake garlic bread, you know yeah, I

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Speaker 2: like it.

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Speaker 4: I like it.

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Speaker 2: What about you, Jess?

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Speaker 4: Go ahead, just cuising along. I have a trip to

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Speaker 4: Japan coming up in the future ish, so I've been

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Speaker 4: planning that. Friends have been coming over, which is very exciting,

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Speaker 4: you know, very very very excited.

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Speaker 2: So what season you're going in?

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Speaker 4: We're going in September, which I think is their autumn.

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Speaker 4: But it's still meant to be quite warm, although potentially rainy,

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Speaker 4: so that's okay. We'll see, hoping for some good weather.

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Speaker 4: Trying to tick off. I get to kick off another

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Speaker 4: Disneyland this year because there's one in Japan.

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Speaker 2: Oh, I'm so jealous. It's just going about me. Oh

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Speaker 2: my god, that's so cool.

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Speaker 4: We can go to California, no, I.

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Speaker 2: Don't want to go anymore California. Yeah is that in California? One? Yeah?

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Speaker 4: Okay, plea can I go? You can come fun group

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Speaker 4: two to Disneyland.

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Speaker 2: I like it. I think it's a genius idea.

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Speaker 4: Sold on that.

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Speaker 2: I'm definitely using the work trip as a group troop

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Speaker 2: to Disneyland. Everyone will be like, oh my god, it's

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Speaker 2: so nice you went on holiday together, and I'll like,

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Speaker 2: we definitely weren't here for a conference.

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Speaker 4: We are serious business people.

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Speaker 2: We are serious business ladies. We've got to like speak it.

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Speaker 2: Jess and DIYer speaking at Fincon this year, which is

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Speaker 2: very very cool. I'm doing two presentations, which should be cool.

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Speaker 2: I've got my own, and then I'm on a panel

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Speaker 2: as is Jess, which I think is so fun. Wow,

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Speaker 2: look at you tax deductible Disney grip a loh, that

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Speaker 2: is so good. It's not actually true, but you know what,

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Speaker 2: we're going to pretend. Yeah, We're going to pretend. It

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Speaker 2: makes us feel much better about it because it is

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Speaker 2: technically a work trip.

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Speaker 4: How is your week?

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Speaker 2: My week was good, My week was busy. I haven't

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Speaker 2: done anything of No, I don't think I've done a

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Speaker 2: few speaking events, I've done a few podcasts. I feel

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Speaker 2: like life is good. I've been working in the background

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Speaker 2: with Gabby on getting my investing masterclass out of the door,

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Speaker 2: which I shouldn't be telling you about because we should

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Speaker 2: do like one of those marketing things where you like,

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Speaker 2: bait it, bait it, bait it check then oh, something

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Speaker 2: exciting is coming, which the team are really good at.

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Speaker 2: So like, if there is a marketing campaign on our

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Speaker 2: Instagram and it's like something exciting is coming, just know

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Speaker 2: I had nothing to do with it it because they

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Speaker 2: start at keeping secrets. Yeah, I'll just be like, it's

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Speaker 2: an investing masterclass. Yeah, that's what we've got, and Jess

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Speaker 2: is like, no, no, no, make them interested, and I'll

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Speaker 2: be like, it's about investing. But I am really excited

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Speaker 2: about that because I've been working on it for literal years.

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Speaker 2: But it didn't feel right to be putting it out

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Speaker 2: into the world, I suppose until I was not an

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Speaker 2: advisor anymore, because there are so many legalities when you

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Speaker 2: are a personal financial advisor of what you can and

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Speaker 2: can't talk about, and I was kind of feeling like

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Speaker 2: I was shooting myself in the foot. I was like, well,

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Speaker 2: there's no point launching it if I can't talk about

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Speaker 2: these things that I think are really really important. So

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Speaker 2: now I can talk about them.

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Speaker 4: Great.

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Speaker 2: Oh I'm going ham. So it's been exciting for me.

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Speaker 2: I know you guys probably could not care less, but

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Speaker 2: that's okay. That's okay. Exciting effects like I'm not listening.

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Speaker 4: Maybe that'll be the thing that helps you get started investing.

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Speaker 2: True, that's very true. I'll do a budget hashlow firstly,

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Speaker 2: we need to do that. Yeah, we'll do that first.

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Speaker 2: Jess Cricci, I want to know what's be going on

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Speaker 2: in our community. What are your community money wins of

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Speaker 2: the week.

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Speaker 4: My first win this week comes from Maya, who said

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Speaker 4: future money Wins slash huge life win. After searching for

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Speaker 4: almost a year, our offer for a beautiful house just

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Speaker 4: got accepted and we just exchanged contracts last Tuesday. Between

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Speaker 4: all the useful tips on Shees on the money and

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Speaker 4: property Playbrook help from our friends and family, it feels

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Speaker 4: unreal that we can tick off such a huge milestone.

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Speaker 2: That's the congratulations.

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Speaker 1: Yay.

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Speaker 4: I'm so happy for you, Maya. Next, they have a

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Speaker 4: win from Jessica fabulous name, great name, who said money

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Speaker 4: win getting a merchant reversal in my favor. For an

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Speaker 4: online retailer thinking they can operate outside of consumer protection laws,

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Speaker 4: always check the window that your bank offers this service for.

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Speaker 4: I scraped in with two days to go before this

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Speaker 4: avenue would have been closed.

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Speaker 2: I didn't even know that was the thing. That's how cool.

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Speaker 4: I'm like noted for next time. If you feel like

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Speaker 4: you're getting scammed or someone's charging you the wrong thing,

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Speaker 4: or they send you something faulty maybe and they won't

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Speaker 4: give you the money back. Yes, smart, do you bank

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Speaker 4: about it?

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Speaker 2: Great? Great idea? Love love love. What else have you got?

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Speaker 4: I've got two Lululemon money wins, one from Julie.

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Speaker 2: Whose Lululemon anything to do with the money win? Let

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Speaker 2: me try, I'm ready.

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Speaker 4: Julie said, I got the most gorgeous Lulu lemontop at

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Speaker 4: the op shop for five bucks.

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Speaker 2: Oh, that is the money win.

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Speaker 4: And then a little further down, Maddie said, I bought

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Speaker 4: Lula Lemon Heights in excellent condition from a rent to

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Speaker 4: rack place for eighteen dollars.

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Speaker 2: Oh, okay, I take my words back. Those are Lulu

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Speaker 2: Lemon money wins. Victoria, I don't want to but I'm

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Speaker 2: gonna next.

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Speaker 4: I've got a money in from Aaron who said I

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Speaker 4: got an incredible stash of goodies from my local health

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Speaker 4: food store, which I go to you often. Today I

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Speaker 4: got all of these for thirty nine dollars, saving one

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Speaker 4: hundred and five. There's a nice little photo of her

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Speaker 4: hole a lot of stuff, So thirty nine when I consider.

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Speaker 4: I did a whip around to the grocery store on Saturday. Well,

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Speaker 4: my friend went into came up to pick a book

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Speaker 4: for anyone's reading the summer. I turned pretty we're all

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Speaker 4: over it, but she wanted to pick up a book,

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Speaker 4: and I was like, oh, just run into the grocery

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Speaker 4: store because I have eleven items on my grocery list,

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Speaker 4: and I reckon I can whip around and get that

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Speaker 4: done in the same time it takes you to get

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Speaker 4: a book. Sorry, this is a very roundabout way. I'm

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Speaker 4: telling you.

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Speaker 2: I like it. How long did it actually take, though,

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Speaker 2: real question.

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Speaker 4: Honestly, I got it done in like ten minutes, Like

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Speaker 4: I was power amazing. If you saw some crazy woman

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Speaker 4: with a trolley zooming through the ill.

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Speaker 2: It would be less than one minute per item.

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Speaker 4: That's very bad efficient, isn't that very efficient, but eleven items.

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Speaker 4: I was like, oh, it'll be a cheap shop, it'll

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Speaker 4: be so oh my god. It was one hundred and

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Speaker 4: twenty dollars.

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Speaker 2: Surely not.

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Speaker 4: And it wasn't like I was like disgusting. It was

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Speaker 4: like pantry staples. It was like swiy sauce. No, it

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Speaker 4: wasn't as I bought one for twenty four pack.

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Speaker 2: Of Pepsi Max.

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Speaker 4: Obviously, yeah, but that's not expensive and it was on

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Speaker 4: sale forty percent off because that's your money win that

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Speaker 4: I buy it. I couldn't believe it so well done,

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Speaker 4: that whole food win. I feel like that is an

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Speaker 4: absolute bargain eran. And the last one that I have

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Speaker 4: comes from Megan, who said money When I signed up

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Speaker 4: to mad Pause as a pet sitter and I have

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Speaker 4: my first doggy daycare client.

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Speaker 2: Tomorrow, that's actually so cute.

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Speaker 4: Extra cash to add to savings and a new friend

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Speaker 4: to keep me company while I'm working. And I know

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Speaker 4: we've mentioned Mad Paws on the pod before. We've never

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Speaker 4: worked with them, but you mentioned.

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Speaker 2: Use them before. Yeah, I've used them to before to

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Speaker 2: find like pet sitters and stuff, and I've had a

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Speaker 2: good experience. You go that's goody not bad.

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Speaker 4: That's bad.

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Speaker 2: You know they did doggie daycare though.

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Speaker 4: That's real cute, very fun, which and it makes sense

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Speaker 4: if you have a dog who has like anxiety issues

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Speaker 4: or something I do. Yeah, and you're someone who works

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Speaker 4: at home and you have an empty house, the win

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Speaker 4: win situation a friend all day.

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Speaker 2: That's very sweet and cute. Loss of all right, let's

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Speaker 2: segue straight into Beck. What broke tips have you round

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Speaker 2: up for Ust this week? Okay? So I've got a

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Speaker 2: couple of good ones. Oh are you sure you have

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Speaker 2: no faith in me? Oh?

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Speaker 1: I do?

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Speaker 2: I'm excited. What are they? Thank you? Okay, So the

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Speaker 2: first one comes from Sarah. So Sarah sent through a

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Speaker 2: lot of really good broke tips, and I'm going to

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Speaker 2: read out my favorites. Okay, all right ready, I'm going

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Speaker 2: to read them not in Sarah's voice, but the way

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Speaker 2: Sarah wrote this. So, first one sign up to all

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Speaker 2: takeaway places with your birthday, which is something I mentioned

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Speaker 2: start a week so you get free meals at birthday time.

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Speaker 2: The second one post on socials asking if anyone has

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Speaker 2: free meal kitboxes. So you know, hello fresh Marley Spoons.

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Speaker 2: I sent you one last week. You haven't redeemed it

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Speaker 2: yet because I just checked. Can you see that you

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Speaker 2: can cheat? I can to know that I cannot lie

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Speaker 2: about that. Yeah, I shouldn't have told her spoons delicious. No,

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Speaker 2: but this is actually very, very really great because I

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Speaker 2: don't know what to do with mine, Like I'm like,

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Speaker 2: should I give them friends? I never know if I

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Speaker 2: buy a box, but there's so many that are there

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Speaker 2: to go around, so great idea. Ask for those, and

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Speaker 2: then you can eat like a coin, she says, which

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Speaker 2: is great for a week, for two weeks, for three weeks, however,

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Speaker 2: money week you get. The next one is do groceries

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Speaker 2: late at night. I used to do this with my mum,

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Speaker 2: so you can get all the discounted stuffing like cream

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Speaker 2: and caramel, sponge, cake, woolies. All the free items get

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Speaker 2: marked down at a certain times. Roast chicken. I love

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Speaker 2: a whole roots for chicken. This one, I don't know

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Speaker 2: if I don't know if she's mentioning mad pause here,

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Speaker 2: but she says, if you live in a sharehouse or

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Speaker 2: with parents, sign up for pets sitting slash house sitting.

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Speaker 2: You get a mini holiday, possibly somewhere nicer than where

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Speaker 2: you live. Snuggles with a fur baby and you get

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Speaker 2: paid for it as well, the same as Mad Pause.

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Speaker 2: You can do that on Mad Pause. Amazing. Yeah, I

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Speaker 2: really liked it because when I had I have two

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Speaker 2: cats and a dog, and Steve and I were going

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Speaker 2: on a holiday and usually they go and spend time

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Speaker 2: with my parents, but my parents were going on the

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Speaker 2: same holiday, and I was like, well, what's going to

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Speaker 2: happen here? We found someone really nice on Mad Pause

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Speaker 2: and she came with like a police check and a

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Speaker 2: whole heap of really good references. And she actually came

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Speaker 2: and just lived in our house for a week and

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Speaker 2: they looked after our pets. And I was really stoked

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Speaker 2: with it because I'm I'm quite pedantic when it comes

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Speaker 2: to my pets and them being looked after, and I

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Speaker 2: didn't like the idea that someone would just like drop

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Speaker 2: in and feed them and run away and they're needed

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Speaker 2: just like their mother. Fair enough. So that is what

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Speaker 2: I have from the community this week. I was just

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Speaker 2: I'm just going to use the one person because she

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Speaker 2: did give me many beautiful, very great.

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Speaker 4: Yeah.

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Speaker 2: Absolutely, and these were all very very useful. I think

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Speaker 2: I love the idea of signing up if I had

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Speaker 2: done that when I was younger, I would have had

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Speaker 2: a much better UNI experience. Usually the house is quiet too,

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Speaker 2: because like you don't get a pet sitter if you

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Speaker 2: have housemates, so like you get a whole house to yourself. Hot,

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Speaker 2: you could study, you could work from home, like, oh

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Speaker 2: what a dream. Whatever you want to do now. My

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Speaker 2: personal breake tip for this week is is it garlic bread?

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Speaker 2: It's not garlic bread this week, and it doesn't include bread.

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Speaker 2: But it doesn't. That's quite disappointed. And I carry often

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Speaker 2: mentioned our favorite bread. So what I'm saying is if

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Speaker 2: you're a single person, that's probably more ideal. If you're

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Speaker 2: a single person and you're buying for yourself, take advantage

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Speaker 2: of those ready to eat meals. Either in the frozen section,

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Speaker 2: you can get like a four dollar lasagna. This is

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Speaker 2: what I did when I was really really like I

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Speaker 2: had no money for the week. I would get like

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Speaker 2: a really cheap you can get to Audi. You can go.

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Speaker 2: Audi has good frozen meals, have really good frozen meals

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Speaker 2: and very very cheap. And if you want to create

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Speaker 2: the exact same meal from scratch, it's gonna cost you

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Speaker 2: so much money. So don't feel bad if you have

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Speaker 2: expensive to make totally flying mince. If you put mince

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Speaker 2: in you lasagna, bam, ten dollars already totally And I

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Speaker 2: don't know about you guys, but those meals don't usually

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Speaker 2: fill me to the brim and I want to be

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Speaker 2: filled to the brim. So if you need to have

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Speaker 2: a second one, go for it's still going to only

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Speaker 2: eight bucks for two serves of lazadi, like eight bucks

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Speaker 2: or two serves of lasagna. But also frozen veggies, real

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Speaker 2: cheap frozen veggie cup. Your your pre made meal with

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Speaker 2: that frozen veggies, or like some sides or something to

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Speaker 2: make it a little bit more cost effective but also

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Speaker 2: feeling totally. So yes, that is my break tap for

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Speaker 2: the week. Do not sneeze it. Ready to eat meals

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Speaker 2: go to the frozen section if they're too expensive in

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Speaker 2: the refrigerated section. I feel like they are more expensive

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Speaker 2: in the fridge they're like eleven dollars maybe, yeah, but

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Speaker 2: frozen section super cheap. They're often on special as well.

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Speaker 2: You know there's like bowls is super Bowls. Oh yeah,

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Speaker 2: I like those ones. They're like wholesome bowls Bowls or

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Speaker 2: something like that. They're always on special. Those are also

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Speaker 2: like four or five dollars. Yeah, so do it. That's

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Speaker 2: actually quite smart. I haven't looked at that part of

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Speaker 2: the supermarket in a long time. Love, you've got to

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Speaker 2: check it out. I'm gonna check it out. I love it.

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Speaker 2: Thank you for that. All right, let's go to a

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Speaker 2: quick break and on the flip side, we're gonna be

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Speaker 2: talking about how to manage your finances if you're a freelancer,

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Speaker 2: and we're going to be talking about something you split

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Speaker 2: into our DMS about and that's affording a pet. So guys,

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Speaker 2: do not go anywhere.

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Speaker 4: Welcome back, everybody. Let's take a listen to this week's

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Speaker 4: money dilemma.

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Speaker 2: Hi, there, have you got a money dilemma you just

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Speaker 2: can't solve? The Sheese on the Money team is here

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Speaker 2: to help. Every week, we tackle your dilemmas, both big

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Speaker 2: and small. Answer your most burning money, career and life questions.

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Speaker 2: To get involved, simply head to our website and leave

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Speaker 2: us a short voice recording and you might just find

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Speaker 2: yourself on the show. Now, let's take a listen to

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Speaker 2: this week's money dilemma. I have Victoria.

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Speaker 5: I have a quick money question. I feel like you

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Speaker 5: always speak about, you know, people that have jobs, full

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Speaker 5: time jobs, getting a job, leaving a job, asking for

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Speaker 5: a pay rise. But for myself and for pretty much

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Speaker 5: all of my friends, we're all freelancers in the creative industries,

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Speaker 5: and I feel like a lot of people right now

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Speaker 5: maybe would go unmentioned, but would really appreciate some help

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Speaker 5: in managing their finances when freelance and how to set

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Speaker 5: themselves up for success when your pay is coming in

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Speaker 5: at different times even though you might be really busy.

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Speaker 5: But yeah, just backing yourself, I guess we'd love some

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Speaker 5: tips on how to live.

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Speaker 2: I feel like this is a good one. Actually. I

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Speaker 2: feel like maybe you haven't listened to enough of our

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Speaker 2: podcasts though, because we've done a few episodes on variable

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Speaker 2: income and like if you have a side hustle and

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Speaker 2: how to manage like tax and income and all of that.

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Speaker 2: So first things first, the twenty ninth of January, we

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Speaker 2: did an episode on side hustles and how to manage

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Speaker 2: income for that, and then then on the twelfth of

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Speaker 2: May twenty twenty one, we did an episode what was

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Speaker 2: called jess like budgeting for variable There you go. So

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Speaker 2: we've done a couple before, but I think it's really

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Speaker 2: important to remember that even if your income is variable,

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Speaker 2: your job is to make it as stable as possible. Right,

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Speaker 2: And I've spoken about this concept before of you know,

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Speaker 2: if you're brand new to freelancing, it can feel really

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Speaker 2: up and down because you've never done it before. But

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Speaker 2: if that's your chosen I guess career path, have a

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Speaker 2: look at the last three or six or even twelve

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Speaker 2: months and work out what your average is, and if

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Speaker 2: you feel like the average is relatively close to what

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Speaker 2: you're earning, like some months it might be just under,

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Speaker 2: in some months it might be over, let's budget on

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Speaker 2: that average amount. If that average amount you see you

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Speaker 2: feel is a little bit too much, have a look

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Speaker 2: at what your lowest earning months are and take those

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Speaker 2: months and let's budget based on your lowest earning months,

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Speaker 2: because that means anything above and beyond is going to

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Speaker 2: be cream on top, and that's going to make you

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Speaker 2: feel a lot more financially stable. So when it comes

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Speaker 2: to freelancing, I think there's you know, lots of different

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Speaker 2: areas where you could freelance, right Like obviously creatives do

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Speaker 2: it a lot. You could be in literal medicine, you

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Speaker 2: could be in so many different areas. But the important

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Speaker 2: thing is to understand two different numbers. One what is

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Speaker 2: your average income to what are your expenses? So a

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Speaker 2: lot of people they bury their heads in the sand

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Speaker 2: about expenses, But what you need to understand is what

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Speaker 2: are your personal expenses? So what is your rent, what

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Speaker 2: is your food? What is all of that when it

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Speaker 2: comes to your personal life. But what are your business expenses?

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Speaker 2: Like do you have accounting software that you pay for

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Speaker 2: every month? Do you have you know, different freelance costs

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Speaker 2: that come into it, Because those two numbers should always

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Speaker 2: be treated differently, like your business costs should not be

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Speaker 2: confused with your personal costs because you need to be

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Speaker 2: making sure that your business is covering those and you're

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Speaker 2: all good. But the important thing is to try and

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Speaker 2: find as much I guess stability as possible. And that's

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Speaker 2: why I always rely on budgeting with the lowest amount.

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Speaker 2: And you might go but the some months and like,

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Speaker 2: let's just be really stereotypical about this. In picksel numbers

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Speaker 2: V some months I make two thousand dollars, some months

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Speaker 2: I make ten thousand dollars. Great, what you're going to

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Speaker 2: do is take those months where you don't actually earn

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Speaker 2: two thousand dollars where you're earning ten thousand dollars. What

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Speaker 2: are you doing with that eight grand? Can we look

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Speaker 2: at your money spending habits, because if you're anything like

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Speaker 2: old me, you're blowing that eight grand that month you're like,

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Speaker 2: oh my gosh, it's been so long since I've had money.

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Speaker 2: I'm going to treat myself to ABCDNA, and then by

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Speaker 2: the end of that month you have nothing left over

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Speaker 2: for it. What I would do is go all right,

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Speaker 2: that money needs to go into an other account, and

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Speaker 2: that's where your average comes from. So Jess, say you've

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Speaker 2: worked out your average is three and a half or

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Speaker 2: four thousand dollars a month, but one month you get

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Speaker 2: paid two thousand dollars. What we're going to do to

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Speaker 2: have some consistency is take two thousand dollars out of

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Speaker 2: that fund that you've put away, the rainy day kind

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Speaker 2: of every day adjustment fund, and give it to yourself

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Speaker 2: that month, so you're always living on the average. Yeah,

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Speaker 2: because over time, if we're just living on the average

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Speaker 2: and we have higher months, we are going to start

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Speaker 2: to actually put money aside. That fund will build up,

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Speaker 2: that will become your emergency fund. That makes you feel

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Speaker 2: a lot more confident. But I think it's really important

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Speaker 2: to realize that even if you are a freelancer, a

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Speaker 2: lot of these budget tips and tricks do still apply

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Speaker 2: to you. But what you need to do is look

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Speaker 2: for the consistency on top of those tips and tricks.

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Speaker 2: Does that make sense Yeah, one hundred percent, very well,

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Speaker 2: said V I think it's important to also understand another

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Speaker 2: freelancer rant, when was the last time you checked your pricing?

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Speaker 2: When was the last time that you looked at how

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Speaker 2: much you're charging clients?

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Speaker 5: Yeah?

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Speaker 2: Because I can almost guarantee that most freelancers haven't looked

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Speaker 2: in it in more than twelve months. And inflation, my friends,

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Speaker 2: was seven percent. So are you going to be increasing

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Speaker 2: your rates? Because I can almost guarantee that your business

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Speaker 2: expenses have gone up in that period of time as well.

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Speaker 2: So we need to actually be putting future us first

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Speaker 2: by looking at pricing. And one of the most important

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Speaker 2: things as a small business owner or as a freelancer

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Speaker 2: is to have an understanding of your worth. And if

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Speaker 2: you're not doing that, you're shooting yourself in the foot

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Speaker 2: and you're always going to feel like you're chasing your

422
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Speaker 2: tail like you do good work. Your clients see value

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Speaker 2: in that, please put a financial number on that. So

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Speaker 2: I think that's that's where I'm at. Do you guys

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Speaker 2: have anything that you would like to add to the

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Speaker 2: freelance combo?

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Speaker 4: I think on the money thing, going off what you

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Speaker 4: were saying, obviously, she said that if you're self employed,

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Speaker 4: like you can't ask for a pay rise the way

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Speaker 4: that someone who is an employee can. As well as

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Speaker 4: putting up your raise, you can pitch more work. I

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Speaker 4: feel like a lot of people when they've been freelancing

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Speaker 4: for a while get a bit comfy and wait for

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Speaker 4: work to come to us. But are you approaching people

435
00:20:10,480 --> 00:20:13,119
Speaker 4: in your kneese? Are you putting flyers in local businesses?

436
00:20:13,320 --> 00:20:15,240
Speaker 4: Are you advertising on the internet? Do you have a

437
00:20:15,320 --> 00:20:17,920
Speaker 4: social media that's acting as a funnel. There are lots

438
00:20:17,920 --> 00:20:20,680
Speaker 4: of things that you can do to generate additional business

439
00:20:20,800 --> 00:20:22,600
Speaker 4: as well, and that's another way to kind of pump

440
00:20:22,720 --> 00:20:26,320
Speaker 4: up that income and you know, effectively raise the amount

441
00:20:26,320 --> 00:20:28,440
Speaker 4: of money that you're able to pay yourself. Once you

442
00:20:28,600 --> 00:20:29,800
Speaker 4: raise how much cash flow.

443
00:20:29,600 --> 00:20:31,680
Speaker 2: You've got coming in. Yeah, I agree. I think it's

444
00:20:31,760 --> 00:20:34,640
Speaker 2: really just about just being across your numbers, and that's

445
00:20:34,720 --> 00:20:38,480
Speaker 2: harder done than it is said. Unfortunately, I think saying, oh,

446
00:20:38,480 --> 00:20:40,399
Speaker 2: I'm across my numbers because you knew what came in

447
00:20:40,520 --> 00:20:44,400
Speaker 2: last month? What's your average? Yeah, what's the mean? What's

448
00:20:44,920 --> 00:20:48,760
Speaker 2: you love them? I think it's really important to understand

449
00:20:48,880 --> 00:20:51,720
Speaker 2: that though, like what is going to be the most

450
00:20:51,760 --> 00:20:54,160
Speaker 2: reasonable number for you to base your budget on, because

451
00:20:54,200 --> 00:20:56,919
Speaker 2: if you start making financial decisions because you had one

452
00:20:57,000 --> 00:20:59,600
Speaker 2: ten thousand dollars a month, that's actually going to shoot

453
00:20:59,640 --> 00:21:02,359
Speaker 2: you in the You can't live a ten thousand dollars

454
00:21:02,359 --> 00:21:05,560
Speaker 2: a month lifestyle. If that was just a one time

455
00:21:05,680 --> 00:21:08,320
Speaker 2: or a two time thing, or maybe you've gotten comfy

456
00:21:08,400 --> 00:21:10,360
Speaker 2: with it because it happened three months in a row,

457
00:21:10,480 --> 00:21:12,600
Speaker 2: but what you forgot was that it was actually coming

458
00:21:12,680 --> 00:21:14,800
Speaker 2: up to Christmas time and then you're going to have

459
00:21:14,840 --> 00:21:17,400
Speaker 2: a lull come you know, the rest of the year.

460
00:21:17,720 --> 00:21:19,439
Speaker 2: So I think it's really important to look at your

461
00:21:19,520 --> 00:21:22,919
Speaker 2: numbers deeply and understand, well, when is my peak season?

462
00:21:23,320 --> 00:21:25,480
Speaker 2: Because everyone's going to have a peak season, even you, Jess,

463
00:21:25,480 --> 00:21:28,960
Speaker 2: you do freelance content, there is going to be peak seasons.

464
00:21:29,400 --> 00:21:31,320
Speaker 2: And like I already know for she's on the money,

465
00:21:31,359 --> 00:21:33,399
Speaker 2: what those seasons look like because of the types of

466
00:21:33,480 --> 00:21:36,200
Speaker 2: content that we create. We know that June is massive

467
00:21:36,280 --> 00:21:39,399
Speaker 2: for us because we're a finance podcast and there are

468
00:21:39,520 --> 00:21:41,840
Speaker 2: lots of financial things to talk about at end of

469
00:21:41,960 --> 00:21:45,359
Speaker 2: financial year. Christmas, end of year is big for us.

470
00:21:45,720 --> 00:21:48,000
Speaker 2: But that might not be true for every industry. So

471
00:21:48,080 --> 00:21:50,080
Speaker 2: you need to look at yours and go, well, when

472
00:21:50,160 --> 00:21:52,120
Speaker 2: am I going to be making the most or when

473
00:21:52,160 --> 00:21:54,440
Speaker 2: am I going to be, you know, making the least?

474
00:21:54,560 --> 00:21:56,280
Speaker 2: And I need to actually have a little bit of

475
00:21:56,359 --> 00:21:58,560
Speaker 2: buffer set aside to make sure that I can still

476
00:21:58,640 --> 00:21:59,359
Speaker 2: pay my bills.

477
00:22:00,040 --> 00:22:00,639
Speaker 4: Absolutely.

478
00:22:00,720 --> 00:22:02,680
Speaker 2: Would you like to move on to our spicy DM

479
00:22:02,800 --> 00:22:05,680
Speaker 2: of the week? Guys, Yes, you can't wait.

480
00:22:05,800 --> 00:22:07,800
Speaker 4: It's the highlight of my week every week, all right.

481
00:22:07,920 --> 00:22:10,600
Speaker 2: So we've got a community dilemma to discuss this week,

482
00:22:10,680 --> 00:22:14,359
Speaker 2: guys and the DM. It sounded a lot like this, Hi, girls,

483
00:22:14,880 --> 00:22:17,800
Speaker 2: just sending this off the back of Ved's article about

484
00:22:17,880 --> 00:22:21,520
Speaker 2: reversing your financial commitments. A friend of mine got a

485
00:22:21,600 --> 00:22:24,560
Speaker 2: dog in lockdown and now she can't afford to feed her.

486
00:22:25,160 --> 00:22:28,120
Speaker 2: She's always talking about putting it up for adoption because

487
00:22:28,160 --> 00:22:31,560
Speaker 2: she's just so stressed financially. The dogg oh has built

488
00:22:31,640 --> 00:22:34,040
Speaker 2: up quite a few vet bills recently as well, and

489
00:22:34,160 --> 00:22:36,680
Speaker 2: I know she's just really freaking out. I feel so

490
00:22:36,840 --> 00:22:38,879
Speaker 2: bad for the dog. I also feel bad for my

491
00:22:38,920 --> 00:22:41,720
Speaker 2: girlfriend because it breaks her. But is this the right

492
00:22:41,760 --> 00:22:43,959
Speaker 2: thing to do? I also feel like I should add

493
00:22:44,320 --> 00:22:46,440
Speaker 2: my friend a lot like us was in a much

494
00:22:46,520 --> 00:22:49,080
Speaker 2: better position financially a few years ago.

495
00:22:49,880 --> 00:22:53,040
Speaker 4: This one hurts my heart. Such a hard position to

496
00:22:53,080 --> 00:22:53,320
Speaker 4: be in.

497
00:22:54,400 --> 00:22:56,520
Speaker 2: I feel like it's a good conversation to have, though.

498
00:22:56,920 --> 00:22:59,800
Speaker 2: Beck and I recently recorded our Deep Dieve Frour our

499
00:22:59,840 --> 00:23:02,480
Speaker 2: financial commitment episode and whether you can back out of

500
00:23:02,520 --> 00:23:05,600
Speaker 2: financial commitments and Beck, what's the summary of that. I

501
00:23:05,760 --> 00:23:08,520
Speaker 2: mean you can, but we were definitely talking about things

502
00:23:08,600 --> 00:23:13,080
Speaker 2: that were not pets. Not pets, not living feeling creatures. Yeah,

503
00:23:13,200 --> 00:23:15,280
Speaker 2: but you can back out of any financial commitment. Yeah,

504
00:23:15,280 --> 00:23:19,240
Speaker 2: I think it's important to put future first. Yes, I'm

505
00:23:19,359 --> 00:23:21,159
Speaker 2: the type of person that's going to really struggle with

506
00:23:21,200 --> 00:23:24,399
Speaker 2: this question because there have been times that I have

507
00:23:24,560 --> 00:23:28,280
Speaker 2: been incredibly financially stressed and I would feed my cat

508
00:23:28,359 --> 00:23:32,080
Speaker 2: before I fed myself. So I feel like pets are

509
00:23:32,840 --> 00:23:37,640
Speaker 2: different for everybody, So I probably need to preface my opinions,

510
00:23:37,680 --> 00:23:39,840
Speaker 2: probably coming from a place where I have grown up

511
00:23:39,880 --> 00:23:42,320
Speaker 2: being obsessed with pets. I have three of them that

512
00:23:42,440 --> 00:23:44,159
Speaker 2: are my life. Like, I don't know what's going to

513
00:23:44,200 --> 00:23:46,440
Speaker 2: happen when I have a human child, Like, how do

514
00:23:46,560 --> 00:23:49,560
Speaker 2: you love a human child more than you love your cat? Jessica,

515
00:23:49,840 --> 00:23:54,239
Speaker 2: I actually don't know. I don't know, like it's going

516
00:23:54,280 --> 00:23:56,800
Speaker 2: to be important. Have you seen my dog? Holy moly,

517
00:23:57,040 --> 00:24:01,320
Speaker 2: a kid can't beat that. Yeah, So I find it

518
00:24:01,480 --> 00:24:05,000
Speaker 2: really hard to be having that conversation in saying that,

519
00:24:05,200 --> 00:24:08,520
Speaker 2: putting my pragmatic hat on. If that is a financial constraint,

520
00:24:08,640 --> 00:24:12,359
Speaker 2: I think obviously the best answer is to rehome that dog. Yeah,

521
00:24:12,920 --> 00:24:16,840
Speaker 2: it's true. Hopefully there's someone that is close enough to

522
00:24:17,280 --> 00:24:20,240
Speaker 2: someone that you can see often that will be willing

523
00:24:20,320 --> 00:24:23,199
Speaker 2: to take this dog on, or is anything you can

524
00:24:23,280 --> 00:24:28,720
Speaker 2: shift around, maybe make some you know, money? A PI

525
00:24:28,840 --> 00:24:31,000
Speaker 2: is hard to say because it's probably not possible. But

526
00:24:31,760 --> 00:24:34,000
Speaker 2: is this your last resort? Is your last resort getting

527
00:24:34,480 --> 00:24:36,760
Speaker 2: giving the dog up? You know what I mean? And

528
00:24:36,880 --> 00:24:40,639
Speaker 2: if it is, I don't know. I don't really own pets,

529
00:24:40,760 --> 00:24:43,560
Speaker 2: but I do know that I just feel really terrible

530
00:24:43,680 --> 00:24:47,760
Speaker 2: for the animals who have formed an attachment. But everyone's

531
00:24:47,800 --> 00:24:50,280
Speaker 2: going to be okay. Everyone adapts. Every animal adapts, everything's

532
00:24:50,280 --> 00:24:52,639
Speaker 2: going to be okay. So if it's the last resort,

533
00:24:53,600 --> 00:24:56,840
Speaker 2: of course, give the dog up. But maybe try someone

534
00:24:56,880 --> 00:24:59,680
Speaker 2: that you know, someone that you are friends with, family

535
00:24:59,760 --> 00:25:02,680
Speaker 2: with you can see the dog sometimes, you know, something

536
00:25:02,760 --> 00:25:05,080
Speaker 2: like that's when close if not, I think we need

537
00:25:06,359 --> 00:25:08,200
Speaker 2: is this a season of life or is this what

538
00:25:08,320 --> 00:25:10,960
Speaker 2: life's going to look like full time moving forward? Like

539
00:25:11,119 --> 00:25:12,760
Speaker 2: is there a way that you could get some support

540
00:25:12,960 --> 00:25:16,159
Speaker 2: in the interim because you're really struggling financially. There are

541
00:25:16,200 --> 00:25:19,520
Speaker 2: lots of resources totally, Like, there are heaps of resources,

542
00:25:19,560 --> 00:25:21,840
Speaker 2: and I don't think it just comes down to the dog,

543
00:25:22,160 --> 00:25:24,240
Speaker 2: right and like we could find a way to feed

544
00:25:24,320 --> 00:25:26,520
Speaker 2: the dog very cheaply if we needed to for a

545
00:25:26,600 --> 00:25:31,520
Speaker 2: short period of time, but you know as wells pets. Yeah,

546
00:25:31,680 --> 00:25:34,880
Speaker 2: Like there's just a lot in that conversation, I think.

547
00:25:35,480 --> 00:25:37,680
Speaker 2: But Jess, have you ever made a financial commitment that

548
00:25:37,720 --> 00:25:41,800
Speaker 2: you struggled to I guess keep you probably haven't because

549
00:25:41,800 --> 00:25:42,960
Speaker 2: she's muchmuder than aspect.

550
00:25:44,000 --> 00:25:45,960
Speaker 4: I don't think so, not in this way, And I

551
00:25:46,000 --> 00:25:49,080
Speaker 4: think that's why this question we're all finding it quite hard. Yes,

552
00:25:49,320 --> 00:25:51,080
Speaker 4: I'm the same as u V. I think I think

553
00:25:51,119 --> 00:25:52,960
Speaker 4: about a pet and I view it as a child,

554
00:25:53,119 --> 00:25:55,879
Speaker 4: like it is dependent on you. Yeah, And I think

555
00:25:55,920 --> 00:25:57,840
Speaker 4: there's a broader conversation to have, and it's a good

556
00:25:57,920 --> 00:26:00,400
Speaker 4: chance for a reminder, I guess that. And you take

557
00:26:00,440 --> 00:26:03,159
Speaker 4: on a pet, you're taking on a commitment, hopefully for

558
00:26:03,280 --> 00:26:04,600
Speaker 4: over a decade depending on the pet.

559
00:26:04,720 --> 00:26:07,359
Speaker 2: Yeah, that's a lifetime because that's their lifetime commitment. Like,

560
00:26:07,480 --> 00:26:10,160
Speaker 2: you don't take on a pet with the idea that, oh, well,

561
00:26:10,160 --> 00:26:11,720
Speaker 2: i'll just get rid of it h if it's too hard.

562
00:26:11,880 --> 00:26:14,000
Speaker 4: Yeah, we're not getting bunnies for Easter because they're cute.

563
00:26:14,000 --> 00:26:15,879
Speaker 4: We're not getting puppies and then getting rid of them

564
00:26:15,880 --> 00:26:16,960
Speaker 4: because they get big lately.

565
00:26:17,000 --> 00:26:17,159
Speaker 3: You know.

566
00:26:17,480 --> 00:26:20,320
Speaker 4: I think just a good reminder for people that pets

567
00:26:20,440 --> 00:26:22,760
Speaker 4: require love and sometimes things come up like with this

568
00:26:22,880 --> 00:26:25,359
Speaker 4: girl's poor dog, where they require surgery. And I know

569
00:26:25,480 --> 00:26:28,200
Speaker 4: that those are things that you can't plan for, but

570
00:26:28,280 --> 00:26:30,040
Speaker 4: it's something that you, I guess you have to factor

571
00:26:30,119 --> 00:26:32,880
Speaker 4: in at the start. And I know that if someone

572
00:26:32,920 --> 00:26:35,360
Speaker 4: said to me, hey, like it's going to cost six

573
00:26:35,440 --> 00:26:38,000
Speaker 4: thousand dollars, your choices are pay that money or put

574
00:26:38,040 --> 00:26:40,560
Speaker 4: your pet down. I know that that is absolutely not

575
00:26:40,680 --> 00:26:43,320
Speaker 4: That is a decision that I would really, really really

576
00:26:43,359 --> 00:26:45,280
Speaker 4: struggle with right, And so I can see how she

577
00:26:45,359 --> 00:26:47,680
Speaker 4: got into this position where she's she's obviously paid for

578
00:26:47,760 --> 00:26:50,639
Speaker 4: these surgeries and maybe that's put a significant amount of

579
00:26:50,720 --> 00:26:52,640
Speaker 4: financial strain from her, And that's come from a place

580
00:26:52,680 --> 00:26:54,840
Speaker 4: of love, and that's come from a place of I'm

581
00:26:54,880 --> 00:26:56,639
Speaker 4: trying and I'm doing my best. So I'm not in

582
00:26:56,800 --> 00:27:00,560
Speaker 4: any way implying that she's being no neglectful, of course not.

583
00:27:00,680 --> 00:27:02,800
Speaker 2: And because we don't know the circumstances at all, it's

584
00:27:02,880 --> 00:27:04,880
Speaker 2: just a really hard conversation to have. And I think

585
00:27:04,960 --> 00:27:08,560
Speaker 2: it's our responsibility to drive home the fact that a

586
00:27:08,640 --> 00:27:12,320
Speaker 2: pet is a responsibility. And I think that, Yeah, it's

587
00:27:12,520 --> 00:27:15,600
Speaker 2: interesting because I've you've probably had it before to just

588
00:27:15,720 --> 00:27:18,080
Speaker 2: where people reply to your Instagram stories they're like, oh

589
00:27:18,160 --> 00:27:20,960
Speaker 2: my gosh, seeing your cat makes me want to get one. Yeah,

590
00:27:21,080 --> 00:27:23,600
Speaker 2: and I go, don't just get one because mine looks cute. Yeah,

591
00:27:24,000 --> 00:27:25,760
Speaker 2: like minor responsibility, like.

592
00:27:25,840 --> 00:27:28,080
Speaker 4: Bailey, My couches they pee on shit. Like there's the

593
00:27:28,119 --> 00:27:31,359
Speaker 4: bad stuff too, Yeah, yeah, like my cat Bailey.

594
00:27:31,560 --> 00:27:34,000
Speaker 2: I have had what now, eleven and a half years,

595
00:27:34,680 --> 00:27:37,600
Speaker 2: and he is my best friend and he is now

596
00:27:37,760 --> 00:27:40,600
Speaker 2: what twelve and a half ish. He's getting to be

597
00:27:40,720 --> 00:27:41,200
Speaker 2: old boy.

598
00:27:41,520 --> 00:27:42,560
Speaker 4: He's such a sweetheart.

599
00:27:42,800 --> 00:27:45,280
Speaker 2: But like, there have been times where financially it's been

600
00:27:45,440 --> 00:27:48,880
Speaker 2: really hard, but I kind of feel like I committed

601
00:27:49,359 --> 00:27:52,200
Speaker 2: to that cat and making sure that he had his

602
00:27:52,359 --> 00:27:55,160
Speaker 2: best life. Like it has constrained me in so many

603
00:27:55,200 --> 00:27:57,640
Speaker 2: different ways, from not being able to apply for certain

604
00:27:57,680 --> 00:27:59,800
Speaker 2: rentals to not being able to travel if I couldn't

605
00:27:59,800 --> 00:28:02,399
Speaker 2: find a pet sitter for him, to like lots of

606
00:28:02,480 --> 00:28:05,879
Speaker 2: different things that I know other people who have gotten

607
00:28:05,920 --> 00:28:07,760
Speaker 2: rid of pets for those reasons, and I just go

608
00:28:08,000 --> 00:28:09,719
Speaker 2: if that's the case, Like if you want to get

609
00:28:09,720 --> 00:28:11,080
Speaker 2: a pet, and then all of a sudden you want

610
00:28:11,080 --> 00:28:12,720
Speaker 2: to go on a holiday, but you can't find, you know,

611
00:28:12,920 --> 00:28:14,560
Speaker 2: pet sitter, so you get rid of the dog. You

612
00:28:14,600 --> 00:28:16,399
Speaker 2: shouldn't have had that dog in the first place. I

613
00:28:16,640 --> 00:28:20,119
Speaker 2: think I'm quite cut and dry when it comes to

614
00:28:20,320 --> 00:28:23,040
Speaker 2: pet justice. I see a lot of tiktoks.

615
00:28:23,119 --> 00:28:25,560
Speaker 4: I'm on pet TikTok at the moment, I'm on animal

616
00:28:25,600 --> 00:28:27,560
Speaker 4: shelter TikTok because I think because I was looking, I

617
00:28:27,640 --> 00:28:29,240
Speaker 4: was trying to figure out how lay if I don't

618
00:28:29,240 --> 00:28:31,280
Speaker 4: know's how you can volunteer with local shelters on like

619
00:28:31,320 --> 00:28:33,119
Speaker 4: social media or something like that because I really need

620
00:28:33,119 --> 00:28:35,400
Speaker 4: to do that. But anyway, that's the personal gain. I'm

621
00:28:35,440 --> 00:28:37,560
Speaker 4: on that side of TikTok. And there's this trend that

622
00:28:37,680 --> 00:28:40,320
Speaker 4: shelters are doing. They're putting up like videos of the

623
00:28:40,440 --> 00:28:43,240
Speaker 4: animals and why they were donated.

624
00:28:44,200 --> 00:28:45,400
Speaker 2: I mean, break my heart.

625
00:28:45,680 --> 00:28:49,800
Speaker 4: It's honestly gut frenching because I watched one literally last night,

626
00:28:49,880 --> 00:28:51,440
Speaker 4: and like, some of them makes sense, you know, the

627
00:28:51,520 --> 00:28:55,440
Speaker 4: owner passed away, or the owner moved into state. There

628
00:28:55,600 --> 00:28:58,480
Speaker 4: was one like the owner went to jail. Oh no,

629
00:28:58,720 --> 00:29:00,440
Speaker 4: and you just go, that's really hard. But there are

630
00:29:00,480 --> 00:29:03,280
Speaker 4: some that it was like dog was too noisy, oh

631
00:29:03,440 --> 00:29:06,520
Speaker 4: you know, or cat you know, tore up couch and

632
00:29:06,640 --> 00:29:08,040
Speaker 4: things like that, and you go, oh, these are the

633
00:29:08,080 --> 00:29:11,040
Speaker 4: people that probably shouldn't think about what they were getting into.

634
00:29:11,640 --> 00:29:13,880
Speaker 4: On the note of shelters, I will say as well,

635
00:29:14,120 --> 00:29:17,160
Speaker 4: if it's just the food thing for our listener or

636
00:29:17,160 --> 00:29:19,960
Speaker 4: a friend of our listener, a lot of local shelters

637
00:29:20,040 --> 00:29:23,520
Speaker 4: will actually pass food along to people in need, So

638
00:29:23,640 --> 00:29:25,400
Speaker 4: if they don't want you to give up the pet, no,

639
00:29:25,760 --> 00:29:27,680
Speaker 4: So I would say, if it's just the food thing,

640
00:29:27,800 --> 00:29:29,760
Speaker 4: and as you said, if you think it's just right now,

641
00:29:29,920 --> 00:29:32,080
Speaker 4: while times are tough, and you know, people are struggling

642
00:29:32,120 --> 00:29:33,760
Speaker 4: to put food on the table for themselves, let alone

643
00:29:33,800 --> 00:29:36,000
Speaker 4: for a pet, which I totally understand. It could be

644
00:29:36,040 --> 00:29:37,600
Speaker 4: worth just reaching out to a couple of your local

645
00:29:37,680 --> 00:29:40,200
Speaker 4: shelters because a lot of people donate foods to those

646
00:29:40,240 --> 00:29:42,160
Speaker 4: shelters and where they can, I know that they will

647
00:29:42,200 --> 00:29:44,080
Speaker 4: pass that along to help out a pet and a

648
00:29:44,160 --> 00:29:46,640
Speaker 4: family in need. So that's something that you could look

649
00:29:46,680 --> 00:29:50,920
Speaker 4: into as well. But yeah, I think ultimately we don't

650
00:29:50,960 --> 00:29:54,520
Speaker 4: want the pet sitting there having a diminished quality of

651
00:29:54,600 --> 00:29:58,000
Speaker 4: life and consequently you also feeling really terrible and really

652
00:29:58,120 --> 00:30:01,320
Speaker 4: stressed as well. If it is the absolute last resort,

653
00:30:01,400 --> 00:30:03,600
Speaker 4: I think, as you said back, like the right thing

654
00:30:03,680 --> 00:30:06,080
Speaker 4: to do is to rehome it, hopefully close to home.

655
00:30:06,680 --> 00:30:09,120
Speaker 4: But I think we all get how awful and how

656
00:30:09,160 --> 00:30:11,680
Speaker 4: hard that totally I agree.

657
00:30:11,760 --> 00:30:15,720
Speaker 2: We asked our community obviously what their thoughts were. Someone said,

658
00:30:15,800 --> 00:30:17,600
Speaker 2: I'm a VET nurse and we're seeing this a lot

659
00:30:17,760 --> 00:30:20,680
Speaker 2: post COVID lately. You have to do what's best for

660
00:30:20,760 --> 00:30:21,160
Speaker 2: both of you.

661
00:30:21,520 --> 00:30:22,120
Speaker 4: Yeah, I get that.

662
00:30:22,680 --> 00:30:24,640
Speaker 2: Very nice. Someone said, I got in a lot of

663
00:30:24,720 --> 00:30:26,480
Speaker 2: debt at a young age and I ended up in

664
00:30:26,520 --> 00:30:29,120
Speaker 2: a part nine debt agreement, but I still have my cat.

665
00:30:31,040 --> 00:30:31,520
Speaker 2: That's cute.

666
00:30:31,560 --> 00:30:33,920
Speaker 4: Well, it makes you think about too, like companionship. Like

667
00:30:33,960 --> 00:30:35,760
Speaker 4: you see a lot of homeless people who will keep

668
00:30:35,800 --> 00:30:37,000
Speaker 4: their pet, and I know that there's a lot of

669
00:30:37,360 --> 00:30:40,000
Speaker 4: mental health. There's a lot of discourse around whether it's

670
00:30:40,000 --> 00:30:42,240
Speaker 4: good or bad. But yeah, I completely agree, Like they'll,

671
00:30:42,440 --> 00:30:44,560
Speaker 4: like you said, sometimes they'll feed the pet before they'll

672
00:30:44,600 --> 00:30:45,240
Speaker 4: feed themselves.

673
00:30:45,920 --> 00:30:49,120
Speaker 2: It's that bond, right, that love and that connection totally.

674
00:30:49,320 --> 00:30:52,040
Speaker 2: Someone said, I got a dog during COVID. She came

675
00:30:52,120 --> 00:30:54,400
Speaker 2: with a lot of health issues. We just had to

676
00:30:54,480 --> 00:30:57,280
Speaker 2: tighten our budget to be able to afford her. Someone said,

677
00:30:57,320 --> 00:31:00,000
Speaker 2: I would do absolutely anything I could to keep my animal,

678
00:31:00,320 --> 00:31:02,200
Speaker 2: but if the choice has to be made, it has

679
00:31:02,280 --> 00:31:05,760
Speaker 2: to be made. I think that's really compassionate at the

680
00:31:05,880 --> 00:31:07,680
Speaker 2: end of the day. Like at the end of the day,

681
00:31:07,720 --> 00:31:10,200
Speaker 2: I think it's the last ditched plan, and I think

682
00:31:10,560 --> 00:31:13,400
Speaker 2: that there shouldn't be shame in that. But I also

683
00:31:13,480 --> 00:31:16,240
Speaker 2: think that we need to advocate for animals so much

684
00:31:16,320 --> 00:31:18,680
Speaker 2: more than we already do, Like they are such a

685
00:31:18,880 --> 00:31:22,160
Speaker 2: massive responsibility. And if you've got a dog during COVID,

686
00:31:22,200 --> 00:31:24,040
Speaker 2: because you're like, ah, well, we're home all the time,

687
00:31:24,160 --> 00:31:26,280
Speaker 2: we'll work it out later, like no, no, no, that

688
00:31:26,480 --> 00:31:28,720
Speaker 2: was a twelve to fourteen year commitment from you.

689
00:31:29,240 --> 00:31:32,280
Speaker 4: And they're sentient beings, like they get attached, they have emotions,

690
00:31:32,320 --> 00:31:34,280
Speaker 4: they have feelings like if you're on that side of

691
00:31:34,360 --> 00:31:36,280
Speaker 4: TikTok or if you're not, go on there, Like you.

692
00:31:36,280 --> 00:31:38,040
Speaker 2: Don't even need to be on that side of TikTok.

693
00:31:38,240 --> 00:31:41,200
Speaker 2: I have my God, I'm obsessed with my dog, and

694
00:31:41,280 --> 00:31:44,160
Speaker 2: it's like right back at me, like we're obsessed with

695
00:31:44,280 --> 00:31:45,200
Speaker 2: each other. We're in livee.

696
00:31:45,280 --> 00:31:45,800
Speaker 4: She does love you.

697
00:31:46,040 --> 00:31:49,080
Speaker 2: Yeah, they're the rules I told her with me. If

698
00:31:49,080 --> 00:31:51,360
Speaker 2: you want to eat all the good food, you gotta

699
00:31:51,400 --> 00:31:55,240
Speaker 2: love make us look good on the internet, Luci. But

700
00:31:55,360 --> 00:31:57,920
Speaker 2: I think it's just one of those things where obviously

701
00:31:58,040 --> 00:32:01,400
Speaker 2: rehoming a pet can sometimes be best thing, and at

702
00:32:01,400 --> 00:32:03,120
Speaker 2: the end of the day, if that's what you're thinking,

703
00:32:03,240 --> 00:32:04,840
Speaker 2: then maybe you're not giving the pet the love it

704
00:32:04,920 --> 00:32:07,280
Speaker 2: deserves to begin with that home. I don't know, but

705
00:32:07,400 --> 00:32:10,240
Speaker 2: I would really start with trying to find in a

706
00:32:10,320 --> 00:32:13,920
Speaker 2: new home before deciding to take it down to the pound. Yeah,

707
00:32:13,920 --> 00:32:17,479
Speaker 2: I agree completely, Yeah, absolutely, I mean message usin, will

708
00:32:17,520 --> 00:32:19,920
Speaker 2: put it on the stories and so yeah, because like

709
00:32:20,120 --> 00:32:22,400
Speaker 2: I just I would hate to think that someone in

710
00:32:22,480 --> 00:32:24,440
Speaker 2: our community had to give up a pet when there

711
00:32:24,480 --> 00:32:26,920
Speaker 2: are so many beautiful community members that probably want a

712
00:32:26,960 --> 00:32:30,040
Speaker 2: little furry friend. Totally, that's how I got Daisy, I know,

713
00:32:30,520 --> 00:32:32,760
Speaker 2: I know. We went nuts on the internet and tried

714
00:32:32,800 --> 00:32:34,640
Speaker 2: to find Jess a family member, and do you know what,

715
00:32:34,760 --> 00:32:35,640
Speaker 2: we were successful.

716
00:32:35,840 --> 00:32:37,560
Speaker 4: It was a cute community came through.

717
00:32:37,840 --> 00:32:40,400
Speaker 2: I love it. I love it. Got a bad way,

718
00:32:40,600 --> 00:32:44,400
Speaker 2: but I think that's it. I feel like a little

719
00:32:44,880 --> 00:32:48,520
Speaker 2: now I know it. Un Thus, you absolutely must and

720
00:32:48,640 --> 00:32:51,000
Speaker 2: that's okay. You were in a safe space. Yeah, I

721
00:32:51,080 --> 00:32:53,160
Speaker 2: know you totally are. Like, I don't think that there's

722
00:32:53,160 --> 00:32:55,680
Speaker 2: any judgment if it's the last ditched attempt, like I

723
00:32:55,760 --> 00:32:58,520
Speaker 2: think it's. It is what it is, isn't it all right?

724
00:32:58,680 --> 00:33:01,000
Speaker 2: Well with that, I hope you guys have the most

725
00:33:01,120 --> 00:33:03,760
Speaker 2: beautiful weekend and we'll see you right early on Monday

726
00:33:03,840 --> 00:33:05,400
Speaker 2: for our money diary. Bye guys.

727
00:33:05,520 --> 00:33:05,760
Speaker 4: Bye.

728
00:33:12,640 --> 00:33:15,160
Speaker 3: The advice shared on She's on the Money is general

729
00:33:15,240 --> 00:33:19,080
Speaker 3: in nature and does not consider your individual circumstances. She's

730
00:33:19,120 --> 00:33:22,560
Speaker 3: on the Money exists purely for educational purposes and should

731
00:33:22,600 --> 00:33:25,760
Speaker 3: not be relied upon to make an investment or financial decision.

732
00:33:26,160 --> 00:33:28,600
Speaker 3: If you do choose to buy a financial product, read

733
00:33:28,640 --> 00:33:32,760
Speaker 3: the PDS, TMD and obtain appropriate financial advice tailored towards

734
00:33:32,800 --> 00:33:36,080
Speaker 3: your needs. Victoria Divine and She's on the Money are

735
00:33:36,120 --> 00:33:41,080
Speaker 3: authorized representatives of Money. Sheper Pty Ltd ABN three two

736
00:33:41,200 --> 00:33:44,160
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737
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738
00:34:00,120 --> 00:34:00,160
Speaker 2: H