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

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Speaker 1: the Order Kerni Whaltbury 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 podcast that

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Speaker 2: makes finance fun, especially on Fridays. It's our favorite day

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Speaker 2: of the week. No surprise is there because I get

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Speaker 2: the team together and we celebrate you the incredible. She's

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Speaker 2: on the Money community this week, guess what times are changing?

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Speaker 2: Not just Grici is going to be sharing a favorite

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Speaker 2: money wins and confessions from the community. Beck is going

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Speaker 2: to be sharing her broke tips and how much she

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Speaker 2: loves Jessic Goerici's cooking, and we're going to be helping

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Speaker 2: to answer a money dilemma. This week we're talking all

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Speaker 2: about a partner who thinks treat yourself is buying a

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Speaker 2: ute or a boat and something you slid into our

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Speaker 2: dms about the pressure of feeling like Christmas is a

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Speaker 2: really big spender thorn, which it is, right, But as always,

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Speaker 2: before we get there, Beck with a mouthful of cookie,

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Speaker 2: tell me, tell me about the cookies that chest mate.

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Speaker 4: Oh my god, I was well. I did take a

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Speaker 4: bye while you were talking. I just couldn't literally couldn't

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Speaker 4: control myself. But I've been looking at them and I

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Speaker 4: don't think I can go a whole episode without eating

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Speaker 4: a little bit.

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Speaker 2: More so mentioning in the background to explain them.

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Speaker 4: If you go to like a really really good donut

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Speaker 4: shop and you can smell like the fresh cinnamon donuts,

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Speaker 4: it's like that. It's imagine that smell the texture of

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Speaker 4: a literal perfect cookie.

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Speaker 2: Right, Jess was saying that they're too.

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Speaker 4: Dry, but no, sorry, that's not right. Also, I don't

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Speaker 4: know if this makes sense, but personally I'm a big

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Speaker 4: fan of like hotcakes cook cakes, and it kind of

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Speaker 4: like has it's got a hotcake vibe in the middle,

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Speaker 4: because there's like some sort of maple lea.

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Speaker 5: It's like a pecan butter. There's maple in it.

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Speaker 4: Pie cookie imagine the best cinnamon donut you ever had,

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Speaker 4: the best textured cookie you've ever had.

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Speaker 2: Plus caramel with maple syrup. Pecan so good at cooking

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Speaker 2: and just like I can't cook. And then she whips

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Speaker 2: things like this out and you're like, yeah, Jessica, so

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Speaker 2: you're alive field, Yeah, so you straight lined to our

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Speaker 2: faces real, Jesse, Where did you get this recipe? I

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Speaker 2: found around tik Can we have it in the Yes?

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Speaker 2: I feel like this would be a really good present

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Speaker 2: because look how cute they are too, so like, yeah,

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Speaker 2: the vibe of the cookie is very wholesome, very festive, black.

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Speaker 2: It's got like the dimple. This is probably too much

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Speaker 2: cookie talk, like it's important, right, but there's like the

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Speaker 2: dimple in the middle, and then it's got the pekans

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Speaker 2: in the middle with the caramel, Like can you imagine

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Speaker 2: getting a plate of those as a gift? Totally?

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Speaker 4: And that's the thing if you're listening and you're like,

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Speaker 4: pickens are going to fall off, no, because they do

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Speaker 4: have the little dimple and they're covered in this beautiful

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Speaker 4: maple y syrupy.

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Speaker 2: Is so good. If Jessica doesn't share the recipe with

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Speaker 2: a fine for you, don't worry, don't don't expect to

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Speaker 2: be allowed the.

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Speaker 4: Show next Yes, seriously, jess is not here next week's.

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Speaker 2: Cookies. All right, I want to talk about our five

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Speaker 2: star review that we received this week because it is

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Speaker 2: so sweet, and you guys seem to love hearing the

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Speaker 2: five star reviews because mainly they're just stroking Beck's ego.

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Speaker 2: But this week I picked one that doesn't specifically mentioned Beck.

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Speaker 4: That's okay.

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Speaker 2: So Brookie has written in so she said love, love, love,

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Speaker 2: all in capital letters. You know it's going to start.

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Speaker 2: I started listening to the pod about six months before

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Speaker 2: I moved out of home with very minimal financial literacy.

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Speaker 2: I've now been living out of home for three years

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Speaker 2: and I am financially thriving. I used the podcast as

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Speaker 2: a starting point for setting up our finances and organizing

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Speaker 2: our budget when my partner and I moved in together.

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Speaker 2: We are now on track to buy our own property

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Speaker 2: in the next two years. I could not have done

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Speaker 2: this with other beautiful She's on the money team, and

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Speaker 2: I'm eternally grateful for the advice, guidance and support. The

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Speaker 2: girls have given me so much love for the team.

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Speaker 4: Oh my god, it's really sweet.

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Speaker 2: Also, Brookie reminds me of cookies. That's theme for today. Yeah, oh,

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Speaker 2: there you go. It's just a bacon epis. It's a

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Speaker 2: baking episode, all right. What has the community been baking up, Jessica, Oh,

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Speaker 2: they've been baking up some money wins? May I say?

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Speaker 5: Firstly, this week I have got one from Ze who said,

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Speaker 5: I'm working through my freezer and I'm eating all my

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Speaker 5: frozen stuff to fresh. I feel like I haven't done

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Speaker 5: a proper grocery shop in two months money in which

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Speaker 5: is one of my favorite things, because you know how you.

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Speaker 2: Haven't gone through my freezer in age one.

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Speaker 5: Hundreds and you're half eaten meal, or you'll buy a

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Speaker 5: pack of sausages nearly used to a new Chuck rest

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Speaker 5: in the freezer. I always guarantee you there's whole meals

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Speaker 5: in your freezer.

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Speaker 2: I convince myself, jess I convince myself that I can't

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Speaker 2: remember when I put it in there, and then I

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Speaker 2: try to work it out and I'm like, oh, it's

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Speaker 2: been more than six months, or like it's been like

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Speaker 2: a year or something. Is it still safe to eat?

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Speaker 2: I don't know, and then I get stressed, and then

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Speaker 2: I don't throw it out because I get anxious about that.

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Speaker 2: So it just days freezer.

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Speaker 5: You got to put a permanent market date on whatever

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Speaker 5: your chuck in case, I think give that one a go.

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Speaker 2: He's a smart cookie cookie money. When I don't sadly.

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Speaker 4: In there somewhere, I'll figure it out.

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Speaker 2: I'll work it out if you're next.

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Speaker 5: I've got a money in from Airy who said she

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Speaker 5: works for a waste company and they take faulty books

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Speaker 5: from publishers to the dump. So a lot of publishers,

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Speaker 5: you know, things are ruined. You can't send them out.

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Speaker 5: Maybe it gets wet or something like that. Every so

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Speaker 5: often the driver brings some boxes in for the office staff,

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Speaker 5: anything that's good enough that it doesn't need to go

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Speaker 5: to waste. Today she scored these beauties. It's two copies

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Speaker 5: of shues on the money. I got saved from the

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Speaker 5: waist and owned it. But I didn't want to send

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Speaker 5: them to the dump, which I love that.

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Speaker 2: I was really cute. I've got a puny in my head.

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Speaker 2: Can I say it please? Life's better when you're with

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Speaker 2: she's on the money. Oh my, got retracted. I'm okay,

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Speaker 2: So you know how I was like, Ah, I'm so funny.

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Speaker 5: I'm not.

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Speaker 2: This is a finance podcast, not a comedy podcast, so

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Speaker 2: we'll stick to finance.

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Speaker 5: Yes. Next, I've got a money win from Hannah, who

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Speaker 5: said money win. I'm upskilling myself and learning how to

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Speaker 5: do build a gel manicures.

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Speaker 2: Oh my gosh, how funny suggests. It's so fun.

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Speaker 5: She said she's going to turn it into a little

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Speaker 5: side hustle as well, which lets her be creative. Next

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Speaker 5: money We love that. Next, I've got a money win

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Speaker 5: from Tash, who said she had to change her holiday

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Speaker 5: plans but she had booked the really cheap flights that

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Speaker 5: don't include like the changes or the cancelation.

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Speaker 2: Luckily, she called the.

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Speaker 5: Airline and they were able to change the destination for

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Speaker 5: her and she only had to pay ninety dollars in

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Speaker 5: change fees, which is a lot of money, but better

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Speaker 5: than losing your flights.

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Speaker 4: But that's new destination. It's pretty good.

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Speaker 6: Yeah.

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Speaker 5: Apparently they found the cheapest flights for her, so she

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Speaker 5: didn't have to pay the difference either.

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Speaker 2: We did that accidentally with virgin recently. Remember, so Beck,

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Speaker 2: we went to Sydney just for the day and we

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Speaker 2: were flying back and I had accidentally booked the like

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Speaker 2: flights that have no flexibility on them, and we were like, oh,

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Speaker 2: we need to get on the next flight. And usually

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Speaker 2: if you've got like the what is it, I don't know,

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Speaker 2: I don't know what they're called, like flexi. Yeah, sure,

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Speaker 2: and so you get the flexi flight and when you

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Speaker 2: get to the airport, if you need to change, you

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Speaker 2: can go up to the front tesk and be like, hey,

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Speaker 2: could you swap this, And they're usually really like accommodating,

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Speaker 2: and the girl was like, oh, you aware that you

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Speaker 2: don't have those flights that you can change, And I

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Speaker 2: was at the desk acting like I did. I was like, oh,

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Speaker 2: I was just wondering because I've done it before, and

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Speaker 2: I wasn't being rude or anything. I was like, oh, hey,

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Speaker 2: I was just wondering if we could change to this

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Speaker 2: flight because I think we're at the airport like three

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Speaker 2: hours early or something, so like we wanted to get

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Speaker 2: on the flight to go home earlier. And side note,

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Speaker 2: the flight that we were on we had just found

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Speaker 2: out was delayed by like another two hours five hour

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Speaker 2: age and we were like, oh, we could sit at

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Speaker 2: the airport for five hours, or I could see if

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Speaker 2: we can swap them anyway. The girl was so nice

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Speaker 2: and she's outing.

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Speaker 5: Yeah.

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Speaker 2: She was like, look, you're not meant to do this,

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Speaker 2: but I'm going to work it out for you. And

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Speaker 2: and we were home before we needed to be home.

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Speaker 2: So you know what it means. It always pays to

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Speaker 2: be kind.

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Speaker 5: Yes, and also to be like a loyalty member because

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Speaker 5: I think because.

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Speaker 2: I think because they then saw, oh you're a platinum

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Speaker 2: member or that's big dog status, but also because we

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Speaker 2: fly so often, like it just happened. It wasn't because

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Speaker 2: I bought that status. Like I just do a lot

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Speaker 2: of work, all right. Yeah, she was like, I'll make

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Speaker 2: it work. And the rest of the team aren't platinum,

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Speaker 2: but she changed all of them as well. She's good.

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Speaker 5: Shout out to the queen at the Velocity Lounge. We

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Speaker 5: love and appreciate.

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Speaker 2: You and Diale's really like the pumpkin soup there, honestly, beg.

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Speaker 2: I walk into the lounge and the first thing I

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Speaker 2: say to Jess is if the soup's not pumpkin, I'm

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Speaker 2: a riot. Like I'm not going to be happy. That's

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Speaker 2: such a funny thing.

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Speaker 4: Like when I go into soup, if I ever go

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Speaker 4: into the lounge I did with you guys once, I'm

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Speaker 4: not thinking about soup when I'm in there.

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Speaker 2: Sorry, really aren't you? What are you thinking about?

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Speaker 4: I think about the most unhealthy, like sweet treats, you know,

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Speaker 4: all that kind of stuff. I have twenty te's. You know,

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Speaker 4: I don't feel like tea. Actually I don't feel like tea.

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Speaker 4: But I'm going to have so many teas.

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Speaker 2: Yeah they're free because they're free. Yeah, free coffee, free sweet,

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Speaker 2: so they've got literal free wine, free beer. Like it's

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Speaker 2: actually insane to me. And then you're right, it is

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Speaker 2: a bit unhinged that I'm excited about. Just back to you.

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Speaker 6: Yeah.

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Speaker 5: Next, I've got a money went from Lisa, who said

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Speaker 5: she did a new mattress for years. She got the

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Speaker 5: email from us. This is totally me just striking our

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Speaker 5: own ego because we save someone some money. Got an

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Speaker 5: email from us reminding her she'd get one hundred bucks

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Speaker 5: off with that code for Koala that we had, and

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Speaker 5: then she stacked it with shot back and she managed

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Speaker 5: to save herself two hundred and fifteen dollars.

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Speaker 2: So I saved a heap of money because I recently

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Speaker 2: bought Harvey a new cot mattress and I went through

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Speaker 2: Coohala because we had it in the code. I'm sorry, like,

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Speaker 2: I'm not going to work with brands. I'm not going

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Speaker 2: to use myself. And when the little cop mattress came,

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Speaker 2: it came with a Kohala branded book. I don't know

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Speaker 2: if you know this, but they're like baby version is

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Speaker 2: called Joey. I think it's Sjoey. Anyway, they come with

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Speaker 2: a book, and the book is called Joanna the Goanna,

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Speaker 2: and it hasn't very quickly become Harvey's favorite book. And

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Speaker 2: I really like reading it. And this is probably like

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Speaker 2: complete side note, but I really like reading it because

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Speaker 2: it's also about like recycling and like, you know, saving

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Speaker 2: the planet, and like Joanna and the Goanna has one

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Speaker 2: eye and like they're like trying to save their planet

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Speaker 2: and they're like basically like you know, every small step

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Speaker 2: in the right direction is still a step in the

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Speaker 2: right direction. And I'm like, oh, this is the narrative

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Speaker 2: I want to be feeding my kid. So the free

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Speaker 2: book at the bottom of a Mattress Box has become

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Speaker 2: my kid's favorite book, Life Saver. If you can get

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Speaker 2: you it's not even about the mattress at this point,

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Speaker 2: you didn't get your hands on that book. It is

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Speaker 2: a good one for kids.

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Speaker 5: Go and I got around for everyone will we're all

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Speaker 5: shopping for Christmas. We just did Black Friday. Stack your

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Speaker 5: discount codes with your cash back because I saved I

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Speaker 5: reckon about five hundred dollars with my across a few purchases.

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Speaker 2: Okay, sorry, we need to know, Jessica, what were you spending,

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Speaker 2: because just say five you need to be probably spending.

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Speaker 5: That.

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Speaker 2: I bought some Practically, I bought some contact lenses. I

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Speaker 2: just tell you, Okay, that's boring.

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Speaker 4: It is really no bothering you.

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Speaker 2: I'm sure she is a discount stacker. So what else

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Speaker 2: are we buying? Contact lenses?

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Speaker 1: What else?

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Speaker 2: Because I want something unhinged. I don't want to hear

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Speaker 2: that you were making responsible purchases and planning ahead to

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Speaker 2: save money.

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Speaker 4: Or most unhinged purchase if you can, I.

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Speaker 5: Don't know, I mean an unhinged I got you at

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Speaker 5: the marketing got me. I'm a posed to chip took

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Speaker 5: on this. I went to buy my favorite serum, which

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Speaker 5: is expense if it's like one hundred and fifty dollars,

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Speaker 5: but it was.

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Speaker 2: It was enough.

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Speaker 5: The long com Genefe. Yeah, you are used to it

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Speaker 5: for like a decade.

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Speaker 2: It's really good.

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Speaker 5: It's expensive, but it's good.

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Speaker 2: One time I got sent that in PR and I

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Speaker 2: was like, oh my god, I got sent that in

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Speaker 2: PR and Jeff wiped it and I was like, I mean,

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Speaker 2: it's really good. I love it. But also Jess is obsessed,

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Speaker 2: so you can have it.

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Speaker 5: But I was very proud of it. So I went

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Speaker 5: on there to buy that. That was all I was buying,

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Speaker 5: and I had like, you got like a six piece

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Speaker 5: free gift.

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Speaker 2: I was like great.

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Speaker 5: And then when I was checking out, it's like, because

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Speaker 5: you've spent one hundred dollars, you can buy like this

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Speaker 5: upsell thing.

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Speaker 2: Normally I would imagine you.

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Speaker 5: They do always get used. And I looked, I had

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Speaker 5: a little look see it. What was in the box,

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Speaker 5: and I was like, immediately at cart the car, the

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Speaker 5: upsell was two hundred dollars. Before you freak out on me,

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Speaker 5: you know, it was in that box one hundred and

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Speaker 5: fifty dollars erum. Oh, in addition to that, there was

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Speaker 5: one hundred icream that I also used, so I was like,

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Speaker 5: the box is paid for itself. And then there was

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Speaker 5: like ten other free items which I then sold on

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Speaker 5: Facebook maket place, fore hundred dollars.

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Speaker 2: She's so good. I don't think we could ever catch it. No,

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Speaker 2: I don't think we can catch her making a bad

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Speaker 2: money decision, but we will continue to try cash back

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Speaker 2: as well. So basically I've all one. It was just

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Speaker 2: all free. It was great. Oh that's such.

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Speaker 4: An so impressive, you're so impressive stacky discounts. That's all

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Speaker 4: I'm saying.

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Speaker 2: Yeah, so sorry. That was a hack that I don't

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Speaker 2: think we've talked about on the podcast before, seeing an

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Speaker 2: opportunity like that, and I'm not saying it's a good

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Speaker 2: investment long term, but going I could sell that on

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Speaker 2: Facebook market Yes, did you look on marketplace first to

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Speaker 2: see what it might self for? Are you just like

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Speaker 2: I've done this so many times?

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Speaker 5: I know? Nah, I just kind of knew, and because

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Speaker 5: I like I in my mind, even if I didn't,

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Speaker 5: I was like, oh, I could gift it to someone

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Speaker 5: potentially or whatever. But everything came. I got two really

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Speaker 5: like pretty makeup bags and then so I just kind

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Speaker 5: of split the products across them. Checked the retail value

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Speaker 5: because I was all new, like I'm not being dodgy

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Speaker 5: or anything. Check the retail value. Each bag was worth

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Speaker 5: like two hundred fifty bucks or something. It was so

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Speaker 5: much free stuff, so each bag was worthout two and

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Speaker 5: fifty bucks. I chucked my marketplace and I think I

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Speaker 5: just listed them like sixty dollars each or something.

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Speaker 2: And negotiated it for fifty bucks. Eat.

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Speaker 5: Yeah. A girl message was like can I do both

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Speaker 5: for a hundred? And I was like done today, Yeah, sosh.

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Speaker 2: So you technically, like I'm just doing some background maths,

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Speaker 2: got a two hundred dollars product. You ended up paying

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Speaker 2: one hundred dollars, but got your free one hundred and

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Speaker 2: fifty dollars serum and one hundred dollar ice cream. Yeah

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Speaker 2: as wow, yeah, okay, I like games.

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Speaker 5: And then you got cash back, and then I got

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Speaker 5: forty bucks in cash back as well, So I just laugh.

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Speaker 2: I popped off. It's home keeping shot back in business.

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Speaker 2: Just absolutely sure. I love that. All right, Moving on

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Speaker 2: to brop tips, Miss bec what have you got for

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Speaker 2: us apart from stealing cookies?

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Speaker 4: Okay, So this one comes from a friend of mine.

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Speaker 4: These these are all kind of Christmasy, getting in.

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Speaker 2: The festive mood.

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Speaker 4: Yeah, yeah, yeah, I like it.

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Speaker 2: It's the mood. It's not a Christmas win, but like

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Speaker 2: they're festive feeling.

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Speaker 4: First of feeling exact, okay, a cute festive feeling. Yeah,

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Speaker 4: that's cute. So this first one comes from a friend

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Speaker 4: of mine says that if you're and this might be

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Speaker 4: like you know, common knowledge to some extent, but if

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Speaker 4: you're a hospboal worker or working healthcare or anything like that,

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Speaker 4: just be open to working at least one of the

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Speaker 4: public holidays. I remember when I worked at this, Like

350
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Speaker 4: I used to work at like line painting, you know,

351
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Speaker 4: you know the car parks and stuff, you know, we

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Speaker 4: used to paint all that kind of stuff. What And

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Speaker 4: they offered me a thousand dollars so fun, I know,

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Speaker 4: it was really fun. They offered me a thousand dollars

355
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Speaker 4: work Christmas Day and I was.

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Speaker 2: Like immediately, yes, immediately, yes, I've worked a few Christmas

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Speaker 2: Days totally costpo life.

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Speaker 4: And it's like there's no better feeling. Like I understand

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Speaker 4: that you're like missing out on family time and maybe

360
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Speaker 4: if you have to work in the mornings, and that's

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Speaker 4: when everyone does the presence. But if you, you know,

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Speaker 4: just have a chat with everyone and like try and

363
00:15:39,640 --> 00:15:42,479
Speaker 4: work around it. Like there's no better feeling than finishing

364
00:15:43,160 --> 00:15:45,960
Speaker 4: like a day's work and also knowing that you just

365
00:15:45,960 --> 00:15:48,480
Speaker 4: made so much money and then going home and just

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Speaker 4: being able to go and spend time with your family

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Speaker 4: now uninterrupted. You got so much money, You've probably made

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Speaker 4: all the money that you spent back.

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Speaker 2: I didn't make a thousand dollars though, Like I remember

370
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Speaker 2: working Christmas Day because I worked at a rest you're

371
00:16:00,440 --> 00:16:04,920
Speaker 2: way back when, and every year like somehow now I'm

372
00:16:04,920 --> 00:16:06,760
Speaker 2: thinking about it, they'd be like, oh, vibe, but everybody

373
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Speaker 2: else has families, so did I, but I had no children. Yeah,

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Speaker 2: and we'd work Christmas Day. But the vibes are real high.

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Speaker 2: All the kitchen staff were being festive, like obviously the

376
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Speaker 2: people that were there were there for their Christmas dinners.

377
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Speaker 2: Like it was actually just a really fun and they

378
00:16:22,440 --> 00:16:25,640
Speaker 2: only made us do either a lunch or a dinner service,

379
00:16:25,680 --> 00:16:27,200
Speaker 2: like we didn't ever have to do the back to

380
00:16:27,280 --> 00:16:28,920
Speaker 2: back and I kind of vibed it.

381
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Speaker 5: I feel like there's some unwritten rule that like Christmas

382
00:16:31,440 --> 00:16:34,920
Speaker 5: public Holidays, Christmas Day, Boxing Day, all that, like everyone

383
00:16:35,080 --> 00:16:37,560
Speaker 5: kind of can do the bare minimum like Boxing Day.

384
00:16:37,560 --> 00:16:39,320
Speaker 5: Obviously you're run off your feet if you're in retail

385
00:16:39,400 --> 00:16:41,760
Speaker 5: or something, but like there's a spoken, unspoken rule, like

386
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Speaker 5: you get a good plate of food, Like you get

387
00:16:43,600 --> 00:16:45,600
Speaker 5: a little bit extra time on your break, Like everyone's

388
00:16:45,640 --> 00:16:49,400
Speaker 5: just chill because you're putting in. It makes me now

389
00:16:49,480 --> 00:16:51,880
Speaker 5: think of all of our like frontline workers, so like

390
00:16:51,920 --> 00:16:55,320
Speaker 5: all of the nurses, the doctors, like literally everyone who's

391
00:16:55,320 --> 00:16:58,320
Speaker 5: gonna have to work Christmas Day while I now get

392
00:16:58,360 --> 00:17:00,960
Speaker 5: to have a full Christmas Day, which is really nice.

393
00:17:00,960 --> 00:17:03,240
Speaker 2: But I didn't always have that. But just shout out

394
00:17:03,240 --> 00:17:06,240
Speaker 2: to you because like serious is like that's the reason

395
00:17:06,359 --> 00:17:09,080
Speaker 2: why we are safe on Christmas Day when all of

396
00:17:09,119 --> 00:17:12,879
Speaker 2: the kids get their new trampoline, double bounce their siblings

397
00:17:12,880 --> 00:17:16,320
Speaker 2: straight off the trampoline to end up in an emergency

398
00:17:16,400 --> 00:17:17,920
Speaker 2: and we're okay because you're there.

399
00:17:18,119 --> 00:17:20,560
Speaker 5: Yeah, everyone working for Christmas Day.

400
00:17:20,720 --> 00:17:24,600
Speaker 2: Speaking of double bouncing. Complete side note, I feel like

401
00:17:24,640 --> 00:17:26,800
Speaker 2: in twenty twenty four, like I'm seeing all of the

402
00:17:27,119 --> 00:17:29,320
Speaker 2: trampolines with like the sideting and stuff.

403
00:17:29,400 --> 00:17:29,600
Speaker 1: Yeah.

404
00:17:30,000 --> 00:17:32,679
Speaker 2: I don't know about you, but my favorite game on

405
00:17:32,720 --> 00:17:38,400
Speaker 2: our old school. Definitely above ground, no net, no bumper, metal,

406
00:17:38,680 --> 00:17:41,879
Speaker 2: just metal or metal my favorite. Do you remember the

407
00:17:41,880 --> 00:17:42,800
Speaker 2: game Crack the Egg?

408
00:17:43,119 --> 00:17:47,080
Speaker 5: Oh my god, yeah, my sister game.

409
00:17:47,280 --> 00:17:50,199
Speaker 2: My sister and I used to play that game. And like,

410
00:17:50,520 --> 00:17:52,040
Speaker 2: what for those of you who don't know what you're

411
00:17:52,040 --> 00:17:55,160
Speaker 2: talking about, one person bundles up like a little ball

412
00:17:55,320 --> 00:18:00,159
Speaker 2: and position on the trampoline or the other person and

413
00:18:00,440 --> 00:18:03,720
Speaker 2: jumps aggressively on the trampoline trying to bounce them off.

414
00:18:04,040 --> 00:18:07,199
Speaker 2: Our game was bounce the other person completely off the

415
00:18:07,240 --> 00:18:08,240
Speaker 2: Trail's aggressive?

416
00:18:09,400 --> 00:18:11,119
Speaker 4: Wow, because you can't do that anymore with the nets.

417
00:18:11,400 --> 00:18:13,880
Speaker 2: I don't know. I'm just really concerned, like my babies

418
00:18:13,960 --> 00:18:16,280
Speaker 2: in the next few months probably going to start walking.

419
00:18:17,359 --> 00:18:19,040
Speaker 2: Is this what I mean? For absolutely?

420
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Speaker 5: My intrusive thought with the nets is just that I

421
00:18:23,200 --> 00:18:26,160
Speaker 5: want to hurtle myself at them as fast as human.

422
00:18:28,440 --> 00:18:32,000
Speaker 5: But I'm assuming the chances are I wouldn't just go through.

423
00:18:32,440 --> 00:18:35,320
Speaker 5: We should go to Trounce. Actually we should wanted to go.

424
00:18:35,520 --> 00:18:38,000
Speaker 5: Have you not been I want to go to all right?

425
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Speaker 2: Well, well god, but I do have to be really

426
00:18:42,200 --> 00:18:44,879
Speaker 2: clear before we get them, before you consent to coming

427
00:18:44,920 --> 00:18:48,760
Speaker 2: with me. I have never gone to bounce and not

428
00:18:48,920 --> 00:18:52,000
Speaker 2: had someone who's been with me break a bone. Oh

429
00:18:52,119 --> 00:18:58,560
Speaker 2: my god, Like every time I've.

430
00:18:58,400 --> 00:19:01,840
Speaker 5: Been that's crazy times is like twice three times?

431
00:19:01,840 --> 00:19:07,040
Speaker 2: I have been three times, every single time, every single time. Wow. Yeah.

432
00:19:07,119 --> 00:19:09,199
Speaker 2: The first time I went, my ex boyfriend broke his

433
00:19:09,280 --> 00:19:14,320
Speaker 2: leg about really egg, yeah whatever whatever. The next time

434
00:19:14,480 --> 00:19:16,600
Speaker 2: my friend fractured the bone in the top of her

435
00:19:16,640 --> 00:19:20,520
Speaker 2: foot by like landing on the side of a trampoline

436
00:19:21,160 --> 00:19:24,359
Speaker 2: really hard, came down and like land and weird. And

437
00:19:24,400 --> 00:19:26,679
Speaker 2: the next time one of my friends broke his arm.

438
00:19:27,280 --> 00:19:28,000
Speaker 4: Oh god.

439
00:19:28,280 --> 00:19:32,520
Speaker 2: Track record says it's mainly males who do okay, actual really,

440
00:19:33,119 --> 00:19:34,639
Speaker 2: but we go, we should go.

441
00:19:34,840 --> 00:19:38,320
Speaker 4: It's just us and I'm the most mask of the group.

442
00:19:38,480 --> 00:19:41,440
Speaker 4: That means it's.

443
00:19:41,800 --> 00:19:44,440
Speaker 2: Can You'll be fine? Do you think so? Going about

444
00:19:44,640 --> 00:19:50,480
Speaker 2: men make dumb decisions? Yeah? Yeah, I'm so excited. Sorry,

445
00:19:50,520 --> 00:19:54,080
Speaker 2: but we're not double bouncing each other. Okay, crack the egg.

446
00:19:54,920 --> 00:19:57,480
Speaker 2: Maybe you and me can do it, just for sure.

447
00:19:57,760 --> 00:19:58,720
Speaker 2: What's your next break tip?

448
00:19:58,840 --> 00:20:03,680
Speaker 4: Okay, so the next one is also probably common knowledge?

449
00:20:05,440 --> 00:20:08,760
Speaker 2: Like knowledge, ain't that common exactly? And also I.

450
00:20:08,680 --> 00:20:10,800
Speaker 4: Feel like it's a good These are just good reminders,

451
00:20:10,920 --> 00:20:12,520
Speaker 4: you know, like a lot of I feel like a

452
00:20:12,520 --> 00:20:14,240
Speaker 4: lot of families. Maybe it's just my family, but I

453
00:20:14,280 --> 00:20:16,359
Speaker 4: do hear of like friends and stuff. They like, Oh,

454
00:20:16,359 --> 00:20:18,119
Speaker 4: we're having Christmas dinner at mine, so that means I

455
00:20:18,119 --> 00:20:20,560
Speaker 4: gotta get everything, and you know, it's very stressful. They've

456
00:20:20,560 --> 00:20:22,520
Speaker 4: got to do all the cooking. But no more of

457
00:20:22,560 --> 00:20:25,080
Speaker 4: that from now until forever. If you have people coming

458
00:20:25,080 --> 00:20:26,600
Speaker 4: to your house or you're going to someone else's house,

459
00:20:26,720 --> 00:20:28,800
Speaker 4: the rule is now, everyone must bring a dish.

460
00:20:28,840 --> 00:20:29,320
Speaker 2: One dish.

461
00:20:29,359 --> 00:20:32,000
Speaker 4: Everyone just does one dish and that's it, even if

462
00:20:32,000 --> 00:20:32,560
Speaker 4: it's two of you.

463
00:20:32,760 --> 00:20:35,160
Speaker 2: We did want it recently for the Zella team, like

464
00:20:35,720 --> 00:20:39,120
Speaker 2: I wasn't Christmas. They wanted to do Thanksgiving but Friendsgiving,

465
00:20:39,440 --> 00:20:42,160
Speaker 2: and so everybody just brought a dish. Yeah, it made

466
00:20:42,200 --> 00:20:42,919
Speaker 2: it so easy.

467
00:20:43,240 --> 00:20:45,160
Speaker 4: That's it's what you need. That one comes from Amanda.

468
00:20:45,200 --> 00:20:46,879
Speaker 4: I should say sorry, even give the name of the

469
00:20:46,920 --> 00:20:48,760
Speaker 4: other one that my other friend is friend.

470
00:20:48,840 --> 00:20:51,959
Speaker 2: People are like, oh, that's such common knowledge. You need

471
00:20:52,000 --> 00:20:53,280
Speaker 2: to do a little bit of a reminder or a

472
00:20:53,280 --> 00:20:54,919
Speaker 2: little bit of a like self check and be like,

473
00:20:55,080 --> 00:20:58,400
Speaker 2: I know that, but not everybody know that. Yeah, yeah, yeah,

474
00:20:58,400 --> 00:21:02,040
Speaker 2: And like I learned very early on, like in my

475
00:21:02,119 --> 00:21:05,000
Speaker 2: early twenties when I moved out into sharehouses. That we

476
00:21:05,080 --> 00:21:08,359
Speaker 2: don't all have the same experience growing up, Like we

477
00:21:08,440 --> 00:21:10,679
Speaker 2: don't all learn how to do the same things. Like

478
00:21:10,720 --> 00:21:13,199
Speaker 2: I remember one of my girlfriends that I lived with.

479
00:21:13,280 --> 00:21:15,640
Speaker 2: She was like, Hey, they's really embarrassing. Can you show

480
00:21:15,720 --> 00:21:18,000
Speaker 2: me how? Like you always iron, Like I'm a psycho.

481
00:21:18,119 --> 00:21:20,720
Speaker 2: I know, Jess, do you even own ann I do not.

482
00:21:20,920 --> 00:21:21,120
Speaker 5: Yep.

483
00:21:21,200 --> 00:21:23,640
Speaker 2: She refuses to buy things that you have to iron.

484
00:21:24,480 --> 00:21:27,280
Speaker 2: I hail that you do you, But I'm an iron girl.

485
00:21:27,440 --> 00:21:30,159
Speaker 2: I love a crispy shirt. She was like, can you

486
00:21:30,160 --> 00:21:32,000
Speaker 2: teach me how to iron a shirt? She just didn't

487
00:21:32,040 --> 00:21:34,880
Speaker 2: know how. And I remember at that time I was like,

488
00:21:35,040 --> 00:21:36,639
Speaker 2: oh my god, how do you not know how to

489
00:21:36,680 --> 00:21:40,680
Speaker 2: iron a shirt? And in retrospect, I'm like, ah, there

490
00:21:40,720 --> 00:21:43,520
Speaker 2: you were being a bit rude, Like we don't just

491
00:21:43,720 --> 00:21:47,240
Speaker 2: learn this stuff. If someone didn't teach you or share

492
00:21:47,359 --> 00:21:49,879
Speaker 2: with you a small tip or a small trick along

493
00:21:49,880 --> 00:21:52,480
Speaker 2: the way, we can ask our friends. I don't know

494
00:21:52,520 --> 00:21:54,199
Speaker 2: that you might have been like, oh, like it's not

495
00:21:54,240 --> 00:21:56,439
Speaker 2: that common, but you can all bring a plate. Like

496
00:21:56,560 --> 00:21:58,840
Speaker 2: you might have grown up in a family where when

497
00:21:58,880 --> 00:22:02,480
Speaker 2: you're hosting, everything is on you and that's the expectation,

498
00:22:02,640 --> 00:22:04,840
Speaker 2: and you're like, oh, well, you know, if Jess said

499
00:22:04,840 --> 00:22:06,520
Speaker 2: she's coming to my house, like I'll say, oh no,

500
00:22:06,640 --> 00:22:09,560
Speaker 2: don't bring anything, Jess, Like that's your default. You don't

501
00:22:09,600 --> 00:22:11,920
Speaker 2: have to do that. And I think just being given

502
00:22:11,920 --> 00:22:15,439
Speaker 2: permission or having these conversations goes, oh, hold on. So

503
00:22:15,480 --> 00:22:19,840
Speaker 2: you're saying you could make Jess bring snacks to my house. Yeah,

504
00:22:20,800 --> 00:22:22,640
Speaker 2: I used a great deal and her cookies.

505
00:22:24,600 --> 00:22:26,760
Speaker 4: I used to get so anxious because I also grew

506
00:22:26,800 --> 00:22:28,800
Speaker 4: up in a house where we didn't like host dinners

507
00:22:28,920 --> 00:22:31,159
Speaker 4: or even like, you know, I didn't even know what

508
00:22:31,200 --> 00:22:34,040
Speaker 4: a quilt and like the difference between a blanket or

509
00:22:34,080 --> 00:22:36,480
Speaker 4: a quilt or a comforter was. And so when I

510
00:22:36,480 --> 00:22:39,160
Speaker 4: went out and bought my first what blanket set.

511
00:22:39,040 --> 00:22:40,080
Speaker 2: A moment to know that.

512
00:22:40,520 --> 00:22:42,120
Speaker 4: I think it's like, well, a comforter is maybe something

513
00:22:42,119 --> 00:22:43,440
Speaker 4: you put on your lounge or something like or like

514
00:22:43,480 --> 00:22:44,080
Speaker 4: something you put.

515
00:22:43,920 --> 00:22:50,440
Speaker 5: Over the twitters comforter is it's kind of like a dobate.

516
00:22:50,440 --> 00:22:53,280
Speaker 5: It's usually a little bit thinner. Do they or do

517
00:22:53,400 --> 00:23:00,280
Speaker 5: they doner? She's interchange. Quilt is like the you don't

518
00:23:00,320 --> 00:23:02,280
Speaker 5: take the outside off, whereas your doner is like your

519
00:23:02,320 --> 00:23:04,360
Speaker 5: white plush thing that you put on your.

520
00:23:04,440 --> 00:23:05,120
Speaker 2: Like your heavy thing.

521
00:23:05,359 --> 00:23:08,359
Speaker 5: You change the pre The quilt is often decorative, but

522
00:23:08,400 --> 00:23:09,840
Speaker 5: some people like them because they're lighter.

523
00:23:10,440 --> 00:23:13,080
Speaker 2: I have a doner, then you have a doner, yes, totally.

524
00:23:13,320 --> 00:23:15,679
Speaker 4: Even like napkin, Like you know when you go to

525
00:23:15,720 --> 00:23:17,480
Speaker 4: a place and they give you a nap I didn't

526
00:23:17,480 --> 00:23:19,600
Speaker 4: know what to do with that until literally, I'm not

527
00:23:19,680 --> 00:23:21,560
Speaker 4: joking this year, like I was, I don't know what

528
00:23:21,560 --> 00:23:22,040
Speaker 4: what what?

529
00:23:22,920 --> 00:23:25,679
Speaker 2: Like the material one, yeah, I'm like I don't know,

530
00:23:25,720 --> 00:23:26,520
Speaker 2: and then.

531
00:23:26,920 --> 00:23:30,960
Speaker 5: The lap I was like what they do it for you?

532
00:23:31,680 --> 00:23:32,040
Speaker 6: Yeah?

533
00:23:32,480 --> 00:23:34,919
Speaker 2: Okay, Well now I feel uncomfortable. So if you know,

534
00:23:35,119 --> 00:23:37,520
Speaker 2: whenever we've been out for dinner or like lunch or something,

535
00:23:37,520 --> 00:23:39,040
Speaker 2: have you noticed I always do it before they can

536
00:23:39,080 --> 00:23:39,399
Speaker 2: get to me.

537
00:23:39,520 --> 00:23:40,560
Speaker 5: I need to start doing that.

538
00:23:40,680 --> 00:23:42,680
Speaker 2: I don't I don't want you doing that uncomfortable. I

539
00:23:42,760 --> 00:23:44,720
Speaker 2: know that it's like part of the service.

540
00:23:44,320 --> 00:23:50,080
Speaker 5: But I just feel silly, like I'm like, oh, like

541
00:23:50,200 --> 00:23:52,320
Speaker 5: I can, I can just put it on my laps.

542
00:23:52,320 --> 00:23:54,080
Speaker 5: I don't want to feel like I don't want you

543
00:23:54,119 --> 00:23:56,399
Speaker 5: to have to do that for like I know that anyway, No,

544
00:23:56,480 --> 00:23:58,240
Speaker 5: I know it doesn't make you feel a tiny baby?

545
00:23:58,320 --> 00:24:00,760
Speaker 5: Yeah herd is that you right? Like there's so many

546
00:24:00,760 --> 00:24:02,400
Speaker 5: silly little things that people just don't know.

547
00:24:02,600 --> 00:24:05,399
Speaker 4: Yeah, because everyone grew up different, we need to different.

548
00:24:05,480 --> 00:24:07,959
Speaker 2: I was thinking about this for like a like series

549
00:24:08,000 --> 00:24:10,679
Speaker 2: on my Instagram or something. You've just like stuff that

550
00:24:10,680 --> 00:24:13,160
Speaker 2: your big sister's teaching you or something like that, because.

551
00:24:13,040 --> 00:24:16,080
Speaker 5: They are my favorite, like these TikTok Yeah, because there's

552
00:24:16,119 --> 00:24:18,480
Speaker 5: TikTokers or you. So we're getting so far up track everybody.

553
00:24:18,640 --> 00:24:20,399
Speaker 2: But I feel like it's related to the she's on

554
00:24:20,440 --> 00:24:22,480
Speaker 2: the money community. I love the idea.

555
00:24:22,720 --> 00:24:24,440
Speaker 5: One of my favorite teetalk is this a little old

556
00:24:24,520 --> 00:24:27,800
Speaker 5: British lady named Anne who teaches you how.

557
00:24:27,680 --> 00:24:28,320
Speaker 2: To clean stuff.

558
00:24:28,440 --> 00:24:31,440
Speaker 5: Yes, and she so we'll put it in the show notes.

559
00:24:31,440 --> 00:24:32,680
Speaker 5: Showned out to Ann. I love that woman.

560
00:24:34,040 --> 00:24:36,480
Speaker 2: Oh my god. She's so wholesome too, Like you can

561
00:24:36,520 --> 00:24:39,600
Speaker 2: tell by her tone that she's so non judgmental. She

562
00:24:39,760 --> 00:24:44,280
Speaker 2: like she stitches videos and she'll be like, oh hey baby,

563
00:24:44,320 --> 00:24:46,280
Speaker 2: I see that you've done x y Z. What I

564
00:24:46,320 --> 00:24:48,960
Speaker 2: would actually do is get out the sides and use some.

565
00:24:48,840 --> 00:24:52,920
Speaker 5: Cold water and this and you just like, I love

566
00:24:53,680 --> 00:24:54,320
Speaker 5: I'll show you after.

567
00:24:54,440 --> 00:24:56,359
Speaker 2: But I feel like I feel like I am that

568
00:24:56,400 --> 00:25:00,760
Speaker 2: person ADHD. So I'm Jack of all tray it's scared

569
00:25:00,760 --> 00:25:03,600
Speaker 2: of none. So I give everything a crack. And I

570
00:25:03,640 --> 00:25:06,960
Speaker 2: grew up with a mum who has not been diagnosed

571
00:25:07,000 --> 00:25:09,520
Speaker 2: with ADHD. But if you see the two of us together,

572
00:25:09,920 --> 00:25:11,880
Speaker 2: you'll be like, Wow, the apple doesn't fall that far

573
00:25:11,920 --> 00:25:14,720
Speaker 2: from the tree. And that's a compliment. So if you're

574
00:25:14,760 --> 00:25:16,680
Speaker 2: my mum and you're listening, like, that's not a bad thing.

575
00:25:16,720 --> 00:25:19,520
Speaker 2: But like, I don't know one thing that that woman

576
00:25:19,600 --> 00:25:23,359
Speaker 2: can't do. She can sew, she can bake, she can cook,

577
00:25:23,480 --> 00:25:25,880
Speaker 2: she can clean. She like if you were like, oh,

578
00:25:25,920 --> 00:25:27,560
Speaker 2: I need to build a chicken coop, she'd be like

579
00:25:27,600 --> 00:25:31,959
Speaker 2: say less, Like this woman can do everything. And growing

580
00:25:32,040 --> 00:25:35,400
Speaker 2: up I was in the very privileged position of, oh,

581
00:25:35,520 --> 00:25:37,040
Speaker 2: do you want to do that? We'll work it out.

582
00:25:37,440 --> 00:25:40,439
Speaker 2: And so I'm just hey, Jess, I can sew, I

583
00:25:40,480 --> 00:25:42,879
Speaker 2: can bake, I can stitch. People like, where did you

584
00:25:42,920 --> 00:25:44,800
Speaker 2: learn how to do crostitch? I'm like, can't you all

585
00:25:44,840 --> 00:25:47,679
Speaker 2: do crosstache? You just learn it and you just do

586
00:25:47,760 --> 00:25:50,400
Speaker 2: it anyway. I think that that would be a fun series. Beck,

587
00:25:50,440 --> 00:25:51,840
Speaker 2: have you got anything else for us?

588
00:25:52,080 --> 00:25:52,280
Speaker 5: Yes?

589
00:25:52,320 --> 00:25:52,600
Speaker 2: Okay?

590
00:25:52,600 --> 00:25:55,080
Speaker 4: And so my one these are all kind of like

591
00:25:55,200 --> 00:25:58,080
Speaker 4: similar ish. This one's not really a Brooke tip. But

592
00:25:58,119 --> 00:25:59,880
Speaker 4: I guess it's just a good idea if for any

593
00:26:00,080 --> 00:26:02,600
Speaker 4: friend group or any family group that wants to try

594
00:26:02,600 --> 00:26:05,439
Speaker 4: to not spend any money this year, this year, or

595
00:26:05,480 --> 00:26:07,840
Speaker 4: actually this has gone on for a few years now,

596
00:26:07,840 --> 00:26:10,080
Speaker 4: but my one of my friend groups, we do this

597
00:26:10,119 --> 00:26:13,280
Speaker 4: thing called shitty Christmas. And these are the rules of

598
00:26:13,320 --> 00:26:17,080
Speaker 4: shitty Christmas. No spending one cent on the gift or

599
00:26:17,080 --> 00:26:18,600
Speaker 4: wrapping winner is the.

600
00:26:18,560 --> 00:26:19,840
Speaker 2: Shittiest gift of them all.

601
00:26:19,840 --> 00:26:22,280
Speaker 4: Sorry everyone for all the swearing, And we'll have their

602
00:26:22,359 --> 00:26:23,919
Speaker 4: name engraved on the golden turd.

603
00:26:24,080 --> 00:26:27,560
Speaker 2: I actually do you have it? Are you telling me

604
00:26:27,680 --> 00:26:28,520
Speaker 2: you have a truth?

605
00:26:29,000 --> 00:26:31,600
Speaker 4: We have a golden turd that you will be just

606
00:26:31,640 --> 00:26:33,359
Speaker 4: like those you know, those cheap engraves. You can probably

607
00:26:33,359 --> 00:26:34,440
Speaker 4: get them from, Like I don't know.

608
00:26:34,560 --> 00:26:36,480
Speaker 2: Yeah, no, I do know. It's spotlight stuff.

609
00:26:36,960 --> 00:26:39,840
Speaker 4: If you leave behind your present wrapping, twenty doll penalty

610
00:26:39,960 --> 00:26:41,919
Speaker 4: goes into the Christmas pool for next year. So I

611
00:26:41,920 --> 00:26:45,680
Speaker 4: guess you'll leave behind you're rubbish exactly, and so that

612
00:26:45,680 --> 00:26:47,280
Speaker 4: that amount of money will go into the pool for

613
00:26:47,280 --> 00:26:49,320
Speaker 4: next year. So if you want to, you know, maybe

614
00:26:49,320 --> 00:26:52,000
Speaker 4: get a new golden turd or whatever that is.

615
00:26:52,080 --> 00:26:53,080
Speaker 3: So that is.

616
00:26:53,359 --> 00:26:55,720
Speaker 2: Fine people, and then with the fine money, they're buying

617
00:26:55,800 --> 00:26:56,600
Speaker 2: golden turds.

618
00:26:56,680 --> 00:26:59,760
Speaker 4: Jessica, it's money well spend.

619
00:27:01,440 --> 00:27:05,880
Speaker 2: I'm screaming, crying on the inside. Perfect, So this is shit.

620
00:27:05,920 --> 00:27:07,800
Speaker 5: What's your shittiest gift that you've ever gotten?

621
00:27:08,080 --> 00:27:10,920
Speaker 4: Okay, so I I want to know who's winning. Yeah,

622
00:27:11,000 --> 00:27:12,680
Speaker 4: last year I didn't go, but someone like, okay, so

623
00:27:12,760 --> 00:27:15,480
Speaker 4: someone did a I can't fully remember what it was,

624
00:27:15,520 --> 00:27:17,160
Speaker 4: but it was very funny. It was like a cute

625
00:27:17,160 --> 00:27:18,600
Speaker 4: someone gave just like a piece of paper with a

626
00:27:18,640 --> 00:27:20,360
Speaker 4: QR code on it, and you scan the QR code.

627
00:27:20,359 --> 00:27:22,879
Speaker 4: It's Ellen DeGeneres doing something. I can't remember what it was,

628
00:27:22,920 --> 00:27:24,520
Speaker 4: but I'll try and fine for you guys, just like

629
00:27:24,560 --> 00:27:27,000
Speaker 4: really silly things like that, and you have to be like,

630
00:27:27,160 --> 00:27:29,000
Speaker 4: it's so fun because yet so creative.

631
00:27:29,080 --> 00:27:30,080
Speaker 2: It is so funny.

632
00:27:30,119 --> 00:27:35,000
Speaker 4: It is so silly, and you don't spend a single cent. Ideally,

633
00:27:35,680 --> 00:27:38,879
Speaker 4: if you spend ten cents on printing off a QR code,

634
00:27:39,160 --> 00:27:42,200
Speaker 4: maybe that's cheating, but that's okay. So just a good

635
00:27:42,200 --> 00:27:44,840
Speaker 4: idea for anyone who is like, I don't want to

636
00:27:44,840 --> 00:27:47,119
Speaker 4: cost for money, let's try and do that, you know,

637
00:27:47,280 --> 00:27:47,920
Speaker 4: something like that.

638
00:27:48,119 --> 00:27:52,080
Speaker 2: So I think that's really fun because Q really forces

639
00:27:52,119 --> 00:27:52,960
Speaker 2: you to be creative.

640
00:27:53,080 --> 00:27:54,600
Speaker 4: Yes, and the twin dolls can go to the food

641
00:27:54,600 --> 00:27:55,399
Speaker 4: next year whatever you know.

642
00:27:55,520 --> 00:27:57,919
Speaker 2: So I think that's really fun. All Right, let's go

643
00:27:57,960 --> 00:28:00,720
Speaker 2: to a really quick break because on the whip side

644
00:28:00,920 --> 00:28:03,040
Speaker 2: we're going to be talking about a partner who thinks

645
00:28:03,040 --> 00:28:05,600
Speaker 2: that a treat yourself present is like a ute or

646
00:28:05,600 --> 00:28:08,760
Speaker 2: a boat in the well. And then we're going to

647
00:28:08,800 --> 00:28:10,679
Speaker 2: be chatting about something do you slid into our dms

648
00:28:10,680 --> 00:28:13,359
Speaker 2: about And that's the pressure of feeling like Christmas is

649
00:28:13,480 --> 00:28:16,240
Speaker 2: just one big spender th on it. So guys, don't

650
00:28:16,280 --> 00:28:17,119
Speaker 2: go anywhere.

651
00:28:21,440 --> 00:28:24,240
Speaker 5: Welcome back everyone. Let's take a listen to this week's

652
00:28:24,320 --> 00:28:25,240
Speaker 5: money dilemma.

653
00:28:27,320 --> 00:28:29,719
Speaker 2: Hi, there, have you got a money dilemma you just

654
00:28:29,760 --> 00:28:32,280
Speaker 2: can't solve? The She's on the Money team is here

655
00:28:32,320 --> 00:28:35,560
Speaker 2: to help. Every week, we tackle your dilemmas, both big

656
00:28:35,600 --> 00:28:38,320
Speaker 2: and small, to answer your most burning money, career and

657
00:28:38,360 --> 00:28:41,560
Speaker 2: life questions. To get involved, simply head to our website

658
00:28:41,560 --> 00:28:43,720
Speaker 2: and leave us a short voice recording and you might

659
00:28:43,760 --> 00:28:46,320
Speaker 2: just find yourself on the show. Now, let's take a

660
00:28:46,360 --> 00:28:50,160
Speaker 2: listen to this week's money dilemma.

661
00:28:51,640 --> 00:28:51,760
Speaker 4: Hi.

662
00:28:51,840 --> 00:28:54,200
Speaker 2: Yeah, I was just a little bit of a money dilemma.

663
00:28:54,280 --> 00:28:56,560
Speaker 6: What would you do if your boyfriend of three years

664
00:28:56,600 --> 00:28:59,120
Speaker 6: has just gone out and brought a brand new UT

665
00:29:00,160 --> 00:29:04,040
Speaker 6: at a forty five thousand dollar loan, a nineteen percent

666
00:29:04,160 --> 00:29:08,080
Speaker 6: interest rate, and over five years. Don't get me wrong,

667
00:29:08,200 --> 00:29:11,040
Speaker 6: I really like this year. I love it, actually, But

668
00:29:11,560 --> 00:29:13,600
Speaker 6: we didn't need to get in debt for this because

669
00:29:13,600 --> 00:29:16,440
Speaker 6: we've already got another U. We also have a boat,

670
00:29:16,520 --> 00:29:18,200
Speaker 6: Whereas now you would like to go and get a

671
00:29:18,240 --> 00:29:21,480
Speaker 6: twenty thousand dollar loan now to buy a bigger boat,

672
00:29:22,120 --> 00:29:25,120
Speaker 6: but it's not much bigger, and we've already got a boat,

673
00:29:25,120 --> 00:29:26,719
Speaker 6: and we've already got a U, and now we got

674
00:29:26,760 --> 00:29:29,320
Speaker 6: a new you. I really don't know what I can

675
00:29:29,360 --> 00:29:31,800
Speaker 6: say to him, and I really don't know how I

676
00:29:31,840 --> 00:29:36,440
Speaker 6: can express the way I'm feeling. I'm feeling really unsure, unsettled,

677
00:29:36,680 --> 00:29:40,720
Speaker 6: and I'm starting to stress a lot. Before this, our

678
00:29:40,760 --> 00:29:44,000
Speaker 6: finances were great, our five year goo of a baby

679
00:29:44,040 --> 00:29:47,760
Speaker 6: buying a moving state was really on track. We're in

680
00:29:47,760 --> 00:29:50,040
Speaker 6: our early twenties. I know we don't have anything to

681
00:29:50,120 --> 00:29:53,560
Speaker 6: lose right now, but I'm really worried. Thanks.

682
00:29:53,640 --> 00:29:55,760
Speaker 2: Any advice would be amazing.

683
00:29:55,760 --> 00:29:56,800
Speaker 6: Or what can I say?

684
00:29:57,040 --> 00:29:57,880
Speaker 2: What would you do?

685
00:29:58,320 --> 00:29:59,960
Speaker 6: Would be super super great?

686
00:30:00,440 --> 00:30:04,400
Speaker 2: Thanks, guys. Also, I love you. I love you a lots.

687
00:30:04,480 --> 00:30:06,680
Speaker 4: First of all, I don't know who this lovely person is,

688
00:30:06,680 --> 00:30:09,120
Speaker 4: but they sound like such a ball of fun. Yeah,

689
00:30:09,320 --> 00:30:12,080
Speaker 4: just I need to know them. She's so funny. She's

690
00:30:12,120 --> 00:30:14,760
Speaker 4: like she was like, well, I love the you too.

691
00:30:14,840 --> 00:30:20,560
Speaker 4: But you know, I'm like, oh my god, what a legend. Congratulations,

692
00:30:20,720 --> 00:30:25,240
Speaker 4: congratulations on your new things. That is incredible. We've already

693
00:30:25,240 --> 00:30:25,720
Speaker 4: got a vote.

694
00:30:27,200 --> 00:30:31,040
Speaker 2: That's incredible. You've already achieved very pretty good money goal. Yeah.

695
00:30:31,680 --> 00:30:33,640
Speaker 2: I guess it sounds like you.

696
00:30:33,560 --> 00:30:35,760
Speaker 4: You know, we don't have heaps of context, but it

697
00:30:35,840 --> 00:30:38,040
Speaker 4: sounds like they're already pretty well off if they have

698
00:30:38,960 --> 00:30:42,240
Speaker 4: those things. And I mean, I could be completely wrong.

699
00:30:42,320 --> 00:30:45,280
Speaker 4: Maybe they worked for a long time to buy those

700
00:30:45,280 --> 00:30:47,120
Speaker 4: things and now they're just kind of like, you know,

701
00:30:47,920 --> 00:30:49,440
Speaker 4: comfortable or less then.

702
00:30:49,800 --> 00:30:53,000
Speaker 2: But I guess it is a.

703
00:30:53,000 --> 00:30:57,120
Speaker 4: Thing we hear a lot, and it's if you have

704
00:30:57,240 --> 00:30:59,760
Speaker 4: shared financial goals, which it sounds like you guys do,

705
00:31:00,640 --> 00:31:03,840
Speaker 4: it's really not okay for your part to to beking

706
00:31:03,960 --> 00:31:08,640
Speaker 4: that like such big grand financial decisions that will actually

707
00:31:08,720 --> 00:31:11,800
Speaker 4: affect you and your shared financial goals.

708
00:31:12,360 --> 00:31:13,240
Speaker 2: I don't think it's okay.

709
00:31:13,480 --> 00:31:16,280
Speaker 4: I mean, if you feel like you want validation. That's

710
00:31:16,320 --> 00:31:18,160
Speaker 4: all I'm going to tell you. I don't have any

711
00:31:18,640 --> 00:31:23,800
Speaker 4: financial advice, obviously because I am not the one. But

712
00:31:24,240 --> 00:31:26,160
Speaker 4: Jess might have something better.

713
00:31:27,560 --> 00:31:30,080
Speaker 5: I think if it's hard because she didn't say whether

714
00:31:30,160 --> 00:31:34,440
Speaker 5: or not they share finances, because I think the more intertwined. Like,

715
00:31:34,600 --> 00:31:36,480
Speaker 5: I agree, if you have shared financial goals, you should

716
00:31:36,480 --> 00:31:39,080
Speaker 5: absolutely still be talking. But I think, particularly if you

717
00:31:39,080 --> 00:31:41,960
Speaker 5: share finances, you really have a strong case to be like, hey,

718
00:31:42,000 --> 00:31:46,720
Speaker 5: my dude, like not okay. I think that, honestly, exactly

719
00:31:46,760 --> 00:31:48,720
Speaker 5: what you said to us is what I think you

720
00:31:48,720 --> 00:31:50,640
Speaker 5: should say to him. It's you're at the point where

721
00:31:50,640 --> 00:31:52,480
Speaker 5: obviously these things are not things that you can just

722
00:31:52,520 --> 00:31:55,800
Speaker 5: return to the store. But I guess there's a conversation

723
00:31:55,800 --> 00:31:57,680
Speaker 5: around okay, well are we selling the other ute and

724
00:31:57,680 --> 00:31:59,920
Speaker 5: the other boat, Like we don't need two of each,

725
00:32:00,280 --> 00:32:03,440
Speaker 5: let's be practical, let's make some money back. And then

726
00:32:03,480 --> 00:32:05,960
Speaker 5: I think the bigger conversation is around I think we've

727
00:32:05,960 --> 00:32:09,240
Speaker 5: mentioned this before, but like setting your threshold for purchases.

728
00:32:09,280 --> 00:32:12,360
Speaker 5: So if you share finances or share financial goals, I

729
00:32:12,360 --> 00:32:14,600
Speaker 5: think having a number and that numbers is going to

730
00:32:14,640 --> 00:32:17,239
Speaker 5: look different for everyone. But for example, if I'm going

731
00:32:17,240 --> 00:32:20,479
Speaker 5: to spend over one thousand dollars. You know, I'm going

732
00:32:20,480 --> 00:32:22,080
Speaker 5: to talk to my partner about it and be like, hey,

733
00:32:22,200 --> 00:32:24,960
Speaker 5: like I want to do this. It's not necessarily asking

734
00:32:25,000 --> 00:32:28,640
Speaker 5: for permission, but it's creating an opportunity to discuss how

735
00:32:28,720 --> 00:32:30,280
Speaker 5: is this going to impact the things that we want

736
00:32:30,320 --> 00:32:32,400
Speaker 5: to do, Because, for example, taking out a loan on

737
00:32:32,440 --> 00:32:34,840
Speaker 5: a car, if you're going to want to move states

738
00:32:34,960 --> 00:32:37,480
Speaker 5: or buy a house, that's going to impact your ability

739
00:32:37,520 --> 00:32:40,280
Speaker 5: to do that. And so even if he's paying for

740
00:32:40,320 --> 00:32:43,040
Speaker 5: that completely out of his own money, like, it still

741
00:32:43,200 --> 00:32:45,440
Speaker 5: warrants a conversation. I think this applies on both sides.

742
00:32:45,480 --> 00:32:47,440
Speaker 5: The same applies to her as well, Like it's an

743
00:32:47,480 --> 00:32:49,840
Speaker 5: equal thing where it should be across both partners that

744
00:32:50,480 --> 00:32:52,920
Speaker 5: you're having conversations about these big things. And I don't

745
00:32:52,920 --> 00:32:55,000
Speaker 5: think it needs to be any harder than that. And

746
00:32:55,160 --> 00:32:57,120
Speaker 5: if he's a nice person and he loves you, he

747
00:32:57,160 --> 00:32:59,360
Speaker 5: will hear you out. Is kind of my thoughts on that.

748
00:33:00,000 --> 00:33:04,160
Speaker 2: I agree, I have two streams of conversation to have,

749
00:33:04,200 --> 00:33:06,720
Speaker 2: So let's have the first conversation, and that's around shared

750
00:33:06,760 --> 00:33:10,400
Speaker 2: financial goals. So I've done some maths and as you

751
00:33:10,440 --> 00:33:13,240
Speaker 2: guys know, I own a finance company, so my team

752
00:33:13,240 --> 00:33:17,320
Speaker 2: actually finance cars all the time. Yes, it's not amazing debt,

753
00:33:17,440 --> 00:33:19,640
Speaker 2: but I think we also are very on the same

754
00:33:19,640 --> 00:33:22,480
Speaker 2: page about understanding that sometimes we just need to finance

755
00:33:22,520 --> 00:33:25,000
Speaker 2: car Like your family's growing, you need a bigger car,

756
00:33:25,160 --> 00:33:27,960
Speaker 2: or you need a ute like not in this particular situation,

757
00:33:28,040 --> 00:33:30,280
Speaker 2: but you need a ute for work otherwise you can't work. Right.

758
00:33:30,680 --> 00:33:33,040
Speaker 2: So we do a lot of car financing, And I'm

759
00:33:33,080 --> 00:33:35,120
Speaker 2: going to give you a really good comparison that's going

760
00:33:35,200 --> 00:33:37,520
Speaker 2: to make your eyes water in a hot second. But

761
00:33:38,400 --> 00:33:41,480
Speaker 2: I just went with the standard, Like you're paying every month,

762
00:33:41,640 --> 00:33:44,000
Speaker 2: five year term ten dollars a month fees, which is

763
00:33:44,000 --> 00:33:47,040
Speaker 2: pretty standard, but at nineteen percent, that means you're paying

764
00:33:47,200 --> 00:33:50,880
Speaker 2: eleven hundred and seventy seven dollars a month. Can you

765
00:33:50,960 --> 00:33:54,040
Speaker 2: imagine if you were saving for a home together and

766
00:33:54,080 --> 00:33:56,720
Speaker 2: now your partner has decided to take eleven hundred and

767
00:33:56,760 --> 00:33:59,800
Speaker 2: seventy seven dollars from your shared goals and putting it

768
00:33:59,840 --> 00:34:03,840
Speaker 2: towards a car loan, Like that's not very live lah laugh,

769
00:34:04,200 --> 00:34:07,680
Speaker 2: that's not very prioritizing our financial goals, Like I would

770
00:34:07,720 --> 00:34:11,680
Speaker 2: be personally to put it lightly off it if My

771
00:34:11,840 --> 00:34:13,920
Speaker 2: husband came home and said, I've just signed up to

772
00:34:14,000 --> 00:34:18,400
Speaker 2: a five year loan at nineteen percent. I haven't consulted you.

773
00:34:18,760 --> 00:34:20,760
Speaker 2: It's going to mean that if we wanted to achieve

774
00:34:20,800 --> 00:34:23,359
Speaker 2: any other financial goals, it's not going to happen. So

775
00:34:23,400 --> 00:34:26,120
Speaker 2: eleven hundred and seventy seven dollars a month for a

776
00:34:26,120 --> 00:34:29,640
Speaker 2: whole year, that's fourteen thy one hundred and twenty four dollars.

777
00:34:30,400 --> 00:34:31,360
Speaker 4: That's like someone's rent.

778
00:34:31,680 --> 00:34:36,240
Speaker 2: It's not just someone's rent. It's like literally someone's rent.

779
00:34:36,640 --> 00:34:40,200
Speaker 2: Like it's it's someone's rent. It is a year's worth

780
00:34:40,200 --> 00:34:43,720
Speaker 2: of savings. That is a whole lass, massive emergency fund

781
00:34:44,000 --> 00:34:46,800
Speaker 2: that is multiple holidays throughout the year that could be

782
00:34:46,840 --> 00:34:50,520
Speaker 2: a holiday, and a new reasonably priced second hand car.

783
00:34:50,880 --> 00:34:56,040
Speaker 2: That is school fees for an entire year of private school.

784
00:34:56,080 --> 00:34:59,280
Speaker 2: Like we're trying to contextualize this a little bit because

785
00:34:59,320 --> 00:35:02,560
Speaker 2: that is a lot. But I also did some further maths,

786
00:35:02,600 --> 00:35:04,640
Speaker 2: So this is the second stream. So the first one

787
00:35:04,680 --> 00:35:07,000
Speaker 2: was like, I can't believe someone is making and I

788
00:35:07,000 --> 00:35:10,040
Speaker 2: would feel really upset if my husband was making big

789
00:35:10,120 --> 00:35:14,840
Speaker 2: financial decisions that compromise my financial security into the future

790
00:35:15,160 --> 00:35:17,600
Speaker 2: without me totally, Like if it was a joint decision,

791
00:35:17,600 --> 00:35:19,280
Speaker 2: and you both had sat down, you did your numbers,

792
00:35:19,320 --> 00:35:21,320
Speaker 2: and you said, right, well, we're both on the same page.

793
00:35:21,320 --> 00:35:23,440
Speaker 2: We both want this you, we both are happy with

794
00:35:23,480 --> 00:35:26,280
Speaker 2: the terms of the arrangement. Who am I to judge?

795
00:35:26,480 --> 00:35:29,240
Speaker 2: But right now you're telling me that your partner prioritized

796
00:35:29,280 --> 00:35:32,840
Speaker 2: his wants over your shared goals. Yeah, and that's a

797
00:35:32,880 --> 00:35:36,320
Speaker 2: bit thick if I'm being honest. On the flip side,

798
00:35:36,320 --> 00:35:39,839
Speaker 2: I did the maths because nineteen percent is an incredibly

799
00:35:39,960 --> 00:35:43,480
Speaker 2: high interest rate on car finance. That is what on average,

800
00:35:43,520 --> 00:35:46,239
Speaker 2: I would say a credit card in Australia is So

801
00:35:46,360 --> 00:35:49,680
Speaker 2: forty five thousand dollars at a nineteen percent interest rate

802
00:35:49,840 --> 00:35:53,040
Speaker 2: over five years means that you're paying a total of

803
00:35:53,080 --> 00:35:56,640
Speaker 2: seventy thousand, six hundred and thirty nine dollars for a

804
00:35:56,719 --> 00:35:58,960
Speaker 2: forty five thousand dollar carp Wah.

805
00:35:59,239 --> 00:36:01,600
Speaker 4: Cook, oh my god, that sounds illegal.

806
00:36:02,040 --> 00:36:06,320
Speaker 2: That means you are overpaying twenty five thousand, six hundred

807
00:36:06,320 --> 00:36:08,520
Speaker 2: and thirty nine dollars for this car. And we know

808
00:36:08,600 --> 00:36:10,399
Speaker 2: that the second so you went and bought this car,

809
00:36:10,520 --> 00:36:12,960
Speaker 2: brand new, fantastic, you drove it off the lot it

810
00:36:13,200 --> 00:36:17,160
Speaker 2: already lost value. So you've already lost like thirty five

811
00:36:17,280 --> 00:36:20,440
Speaker 2: I'd say thirty to thirty five thousand dollars by making

812
00:36:20,480 --> 00:36:23,759
Speaker 2: this decision, because you can't sell that car for what

813
00:36:23,800 --> 00:36:26,680
Speaker 2: you owe, nor can you sell that car for what

814
00:36:26,719 --> 00:36:29,920
Speaker 2: it ultimately costs you over that five year time period.

815
00:36:31,080 --> 00:36:33,759
Speaker 2: Are we saying that all car finance is bad? Absolutely?

816
00:36:33,760 --> 00:36:36,960
Speaker 2: Not nineteen percent exorbitant. I would never let a client

817
00:36:37,040 --> 00:36:38,560
Speaker 2: do that. So if you came to me and Sayvie,

818
00:36:38,560 --> 00:36:40,640
Speaker 2: I want to I want a car loan, I would

819
00:36:40,640 --> 00:36:44,760
Speaker 2: be like, probably not that one. We recently at Zella

820
00:36:44,880 --> 00:36:48,840
Speaker 2: financed a car loan sixty thousand dollars car six point

821
00:36:48,920 --> 00:36:52,120
Speaker 2: seven two percent, which, by the way, is what on

822
00:36:52,160 --> 00:36:54,239
Speaker 2: average I would say home loans at the moment, we're

823
00:36:54,239 --> 00:36:56,960
Speaker 2: getting them for like six point two percent, so like

824
00:36:57,239 --> 00:36:59,719
Speaker 2: not that much more than property. And I'm not saying

825
00:36:59,760 --> 00:37:01,239
Speaker 2: that it's good, but I'm giving you a bit of

826
00:37:01,239 --> 00:37:05,520
Speaker 2: context here. That means that every month. Context First, for

827
00:37:05,600 --> 00:37:09,080
Speaker 2: the forty five thousand dollar ut that was costing them

828
00:37:09,120 --> 00:37:13,680
Speaker 2: eleven hundred and seventy seven dollars per month, Right for

829
00:37:13,920 --> 00:37:16,320
Speaker 2: our clients at Zello who ended up, you know, getting

830
00:37:16,320 --> 00:37:19,080
Speaker 2: car finance and really needing it for six point seven

831
00:37:19,120 --> 00:37:21,799
Speaker 2: two percent. They were paying eleven hundred and ninety dollars

832
00:37:21,840 --> 00:37:24,920
Speaker 2: a month for sixty thousand dollar car, right, and they

833
00:37:24,960 --> 00:37:27,799
Speaker 2: were paying a total of seventy one thousand dollars over

834
00:37:27,800 --> 00:37:30,239
Speaker 2: the life of the loan. So, yes, the loan would

835
00:37:30,320 --> 00:37:33,520
Speaker 2: cost them about eleven thousand dollars, but it's not twenty

836
00:37:33,560 --> 00:37:37,000
Speaker 2: five thousand, six hundred and thirty nine dollars. Yes, I see,

837
00:37:37,080 --> 00:37:39,400
Speaker 2: like we're not. I feel like when we make these decisions,

838
00:37:39,400 --> 00:37:41,200
Speaker 2: we'll go that's a bit of interest, whatever it makes

839
00:37:41,239 --> 00:37:43,359
Speaker 2: my monthly payments a little bit more Like we've all

840
00:37:43,400 --> 00:37:45,800
Speaker 2: been there, like Beck, you and I have been in debt. Jess,

841
00:37:45,920 --> 00:37:48,440
Speaker 2: you've been in debt as well, probably not as significantly

842
00:37:48,840 --> 00:37:51,440
Speaker 2: as Beck and I. Thank god God she's the smarter

843
00:37:51,520 --> 00:37:53,359
Speaker 2: one of the kids' smart one and she will give

844
00:37:53,400 --> 00:37:57,600
Speaker 2: that to her. She's way better at baking. But that

845
00:37:57,760 --> 00:38:00,560
Speaker 2: is crippling, and that mindset exists, right, Like I remember

846
00:38:00,560 --> 00:38:02,080
Speaker 2: when I got my personal loan, I was like, whatever,

847
00:38:02,120 --> 00:38:04,040
Speaker 2: it's a monthly payment. I'm happy to pay that monthly

848
00:38:04,080 --> 00:38:06,960
Speaker 2: payment for this lifestyle, or I'm happy to you know,

849
00:38:07,080 --> 00:38:09,399
Speaker 2: do that value exchange. But no one sat me down

850
00:38:09,440 --> 00:38:12,160
Speaker 2: and said, well, this is actually what it costs. Like,

851
00:38:12,719 --> 00:38:16,040
Speaker 2: does your partner no that that forty five thousand dollar

852
00:38:16,640 --> 00:38:19,440
Speaker 2: car is actually costing him about seventy grand? Is he

853
00:38:19,480 --> 00:38:22,560
Speaker 2: aware of that? Is he comfortable with that if I

854
00:38:22,600 --> 00:38:25,840
Speaker 2: put that on paper? Is that a good financial decision?

855
00:38:26,719 --> 00:38:28,840
Speaker 2: On the flip side, remember that client that I was

856
00:38:28,880 --> 00:38:31,520
Speaker 2: telling you about sixty grand. Yeah, they're paying seventy one

857
00:38:31,560 --> 00:38:34,600
Speaker 2: thousand dollars over the long term. That's actually a work vehicle,

858
00:38:35,239 --> 00:38:38,759
Speaker 2: so they actually need that to generate an income. And

859
00:38:38,960 --> 00:38:41,319
Speaker 2: they're very happy with the idea that over the next

860
00:38:41,360 --> 00:38:43,600
Speaker 2: five years they'll pay about eleven thousand dollars to have

861
00:38:43,680 --> 00:38:45,959
Speaker 2: access to that car. But that means that they're going

862
00:38:46,000 --> 00:38:48,960
Speaker 2: to be able to generate a full time income. So

863
00:38:49,000 --> 00:38:51,759
Speaker 2: they're like, oh, eleven grand, I'm probably paying about two

864
00:38:51,800 --> 00:38:54,040
Speaker 2: and a half grand a year for the privilege of

865
00:38:54,080 --> 00:38:56,880
Speaker 2: having a car loan And they're like, oh that like

866
00:38:57,120 --> 00:38:58,920
Speaker 2: it's a lot of money still, but two and a

867
00:38:59,000 --> 00:39:02,279
Speaker 2: half thousand dollars year ye, that I'm happy to pay

868
00:39:02,320 --> 00:39:04,279
Speaker 2: that in order to get the car now instead of

869
00:39:04,320 --> 00:39:06,279
Speaker 2: saving for five years to be able to afford it.

870
00:39:06,840 --> 00:39:08,239
Speaker 2: And I think that that's where we need to go

871
00:39:08,320 --> 00:39:11,560
Speaker 2: back to it. That's a great point like no one

872
00:39:11,600 --> 00:39:14,280
Speaker 2: gives the context, and I guess that's where I shoot

873
00:39:14,320 --> 00:39:16,520
Speaker 2: myself in the foot. And I won't say we lose clients.

874
00:39:16,560 --> 00:39:18,520
Speaker 2: I think we gain clients, but then we don't make

875
00:39:18,560 --> 00:39:21,560
Speaker 2: any money off them, because so many times people come

876
00:39:21,560 --> 00:39:24,000
Speaker 2: to Zella and they say, oh, VI, we really want

877
00:39:24,040 --> 00:39:26,080
Speaker 2: a car loan, and like we're happy to do them, Like,

878
00:39:26,160 --> 00:39:28,399
Speaker 2: if that's in line with your values, Slay, I can

879
00:39:28,560 --> 00:39:31,480
Speaker 2: organize that. But sometimes our brokers get involved and they're like,

880
00:39:31,520 --> 00:39:32,799
Speaker 2: are you sure you want to do that just a

881
00:39:32,840 --> 00:39:34,719
Speaker 2: car Do you want to just have a chat about that,

882
00:39:34,880 --> 00:39:37,880
Speaker 2: because we kind of have our morals hat on as well,

883
00:39:37,920 --> 00:39:39,200
Speaker 2: and we want to make sure that you're in the

884
00:39:39,200 --> 00:39:43,000
Speaker 2: best possible position. But that tells me that he hasn't

885
00:39:43,040 --> 00:39:46,000
Speaker 2: thought about the long term plan, because what logical person

886
00:39:46,160 --> 00:39:50,520
Speaker 2: goes I impulse purchased forty five thousand dollar use with

887
00:39:50,760 --> 00:39:54,840
Speaker 2: nineteen percent finance, and I'm totally okay with that because

888
00:39:55,880 --> 00:39:59,520
Speaker 2: me being me, you could have got better finance elsewhere.

889
00:39:59,560 --> 00:40:02,960
Speaker 2: I'm ass so that nineteen percent, I'm assuming it was

890
00:40:03,000 --> 00:40:05,640
Speaker 2: like in dealer, So like you walked in on the

891
00:40:05,680 --> 00:40:08,400
Speaker 2: lot and there was probably a finance person sitting at a

892
00:40:08,520 --> 00:40:10,799
Speaker 2: desk over to the left, and you went, oh, I'd

893
00:40:10,800 --> 00:40:13,080
Speaker 2: love to buy this car Beck. And then Beck says, oh,

894
00:40:13,120 --> 00:40:15,879
Speaker 2: did you need finance for that? And I say, yeah, yeah,

895
00:40:16,000 --> 00:40:18,400
Speaker 2: oh come over and just quickly say Jessica, she can

896
00:40:18,480 --> 00:40:20,359
Speaker 2: sort you out. And Jessica would have been like, okay, cool,

897
00:40:20,360 --> 00:40:22,800
Speaker 2: So I can probably let you drive home with that today.

898
00:40:23,040 --> 00:40:26,000
Speaker 2: So these are the terms and conditions. You're so excited

899
00:40:26,520 --> 00:40:29,279
Speaker 2: you haven't even thought about the interest rate and they go, oh, look,

900
00:40:29,320 --> 00:40:31,480
Speaker 2: it's usually a twenty two percent interest rate, but I'm

901
00:40:31,480 --> 00:40:33,200
Speaker 2: going to cut that down to nineteen. And you go,

902
00:40:33,360 --> 00:40:36,040
Speaker 2: that sounds like a good discount. No worries, You don't

903
00:40:36,040 --> 00:40:38,239
Speaker 2: even think about it. Yeah, and you signed straight up.

904
00:40:38,280 --> 00:40:41,680
Speaker 2: That is how it happens often, and it's a slippery slope,

905
00:40:42,239 --> 00:40:45,040
Speaker 2: but I context realized it a little bit for you. Now.

906
00:40:45,080 --> 00:40:46,880
Speaker 2: I think everyone has the iic about it.

907
00:40:47,480 --> 00:40:47,680
Speaker 6: Yeah.

908
00:40:47,719 --> 00:40:49,840
Speaker 5: I think just take that information to him and have

909
00:40:49,960 --> 00:40:51,440
Speaker 5: an open chat because.

910
00:40:51,280 --> 00:40:55,640
Speaker 2: You're I'm going to email you my numbers and be like, hey,

911
00:40:55,840 --> 00:40:59,480
Speaker 2: no worries, just show your partner this because you can

912
00:40:59,560 --> 00:41:03,359
Speaker 2: also potentially go back and work that out, or what

913
00:41:03,400 --> 00:41:06,279
Speaker 2: you can do is talk to a finance professional and

914
00:41:06,320 --> 00:41:09,879
Speaker 2: potentially have that car refinanced. So what that would mean

915
00:41:10,080 --> 00:41:13,040
Speaker 2: is the finance amount and the amount owing would stay

916
00:41:13,080 --> 00:41:15,920
Speaker 2: the same, which is okay because you still have the asset.

917
00:41:16,239 --> 00:41:17,920
Speaker 2: But you go to somebody who can get you a

918
00:41:18,000 --> 00:41:20,160
Speaker 2: better car loan. We pay out the first one with

919
00:41:20,239 --> 00:41:22,359
Speaker 2: the second loan, and then you pay off the second loan,

920
00:41:22,400 --> 00:41:24,960
Speaker 2: which would hopefully be at a lower interest rate if

921
00:41:25,000 --> 00:41:27,399
Speaker 2: I'm being honest. You have whittled down your options though,

922
00:41:27,440 --> 00:41:30,000
Speaker 2: so you're not like on a completely level playing field

923
00:41:30,040 --> 00:41:32,239
Speaker 2: with somebody who has a brand new car that they

924
00:41:32,280 --> 00:41:35,759
Speaker 2: haven't driven off the lot yet. But it's probably a

925
00:41:35,800 --> 00:41:37,759
Speaker 2: really good idea to get a second opinion and just

926
00:41:37,760 --> 00:41:41,000
Speaker 2: put yourself in the best financial position. Don't even don't

927
00:41:41,040 --> 00:41:42,640
Speaker 2: even get me started on the boat.

928
00:41:44,520 --> 00:41:45,000
Speaker 5: The boat.

929
00:41:46,640 --> 00:41:50,279
Speaker 2: Sail away. Let's move on, because I I just want

930
00:41:50,320 --> 00:41:53,960
Speaker 2: to like, I love you so much. I want to

931
00:41:54,000 --> 00:41:56,399
Speaker 2: shake your partners so hard and be like, what were

932
00:41:56,440 --> 00:41:59,040
Speaker 2: you doing? What are you doing?

933
00:41:59,320 --> 00:41:59,680
Speaker 5: I like it?

934
00:41:59,760 --> 00:42:04,120
Speaker 2: You do, you know what you can, But you'd look

935
00:42:04,160 --> 00:42:06,400
Speaker 2: so hot in you think you you would.

936
00:42:06,880 --> 00:42:08,399
Speaker 4: I agree, like, I don't want to be that person,

937
00:42:08,480 --> 00:42:09,400
Speaker 4: but I can't of agree.

938
00:42:09,480 --> 00:42:13,239
Speaker 2: But alright, move on, we have a DM do you guys?

939
00:42:13,239 --> 00:42:16,239
Speaker 2: Want to get into that. Yes, completely, all right, So

940
00:42:16,360 --> 00:42:19,480
Speaker 2: here is the damn we received this week, Hay team.

941
00:42:19,600 --> 00:42:23,320
Speaker 2: Every Christmas, my in laws insist on buying individual gifts

942
00:42:23,400 --> 00:42:26,080
Speaker 2: for everyone, no matter how big the family has grown.

943
00:42:26,520 --> 00:42:29,040
Speaker 2: They say it's part of the holiday magic. But for me,

944
00:42:29,560 --> 00:42:33,040
Speaker 2: all that overspending over consumption are a waste and really

945
00:42:33,080 --> 00:42:36,560
Speaker 2: taking the magic away. Last year, I scrambled to buy

946
00:42:36,640 --> 00:42:40,160
Speaker 2: thoughtful gifts for people I barely know. I overspend, and

947
00:42:40,200 --> 00:42:43,440
Speaker 2: I still feel like it wasn't enough. I suggested we

948
00:42:43,480 --> 00:42:46,440
Speaker 2: switch to Secret Santa to ease the stress, but they

949
00:42:46,440 --> 00:42:48,919
Speaker 2: were not open to it. They think it would take

950
00:42:48,920 --> 00:42:51,600
Speaker 2: the joy out of the season. But honestly, the pressure

951
00:42:51,640 --> 00:42:54,279
Speaker 2: to keep up is doing that for me already. Is

952
00:42:54,320 --> 00:42:57,759
Speaker 2: there a way to simplify things that still respect their traditions.

953
00:42:58,080 --> 00:43:00,759
Speaker 2: I want Christmas to feel meaningful, no overwhelming.

954
00:43:01,840 --> 00:43:04,680
Speaker 5: Oh it's so hard, isn't exau. I think everyone has

955
00:43:04,680 --> 00:43:08,120
Speaker 5: their own perspectives and feelings on Christmas. Yeah, if you

956
00:43:08,200 --> 00:43:11,319
Speaker 5: have two really strong different feelings, it's a hard thing

957
00:43:11,360 --> 00:43:12,080
Speaker 5: to reconcile.

958
00:43:12,719 --> 00:43:15,799
Speaker 2: I feel like I've seen this a lot. I've been

959
00:43:15,840 --> 00:43:18,120
Speaker 2: having a lot of conversations with my dms recently about

960
00:43:18,160 --> 00:43:23,360
Speaker 2: Christmas and like I suppose intergenerational wealth. So like the

961
00:43:23,440 --> 00:43:26,520
Speaker 2: older generation, like the boomers being like no, but that's

962
00:43:26,560 --> 00:43:30,560
Speaker 2: the Christmas magic. But they also have the disposable income

963
00:43:30,600 --> 00:43:33,640
Speaker 2: to spend on that, and it's not painful for them

964
00:43:33,760 --> 00:43:36,360
Speaker 2: to do that. Like they're like, no, of course I

965
00:43:36,440 --> 00:43:39,720
Speaker 2: want to get Jessica a present. Of course, her new partner,

966
00:43:39,719 --> 00:43:41,960
Speaker 2: Beck is coming. I'm going to bring Beck a present.

967
00:43:42,080 --> 00:43:44,680
Speaker 2: Like and you know what, that's so nice, Like the

968
00:43:44,800 --> 00:43:48,200
Speaker 2: idea that gift giving is they love language and they

969
00:43:48,480 --> 00:43:51,560
Speaker 2: want to allocate their resources to you guys. So nice,

970
00:43:51,880 --> 00:43:54,840
Speaker 2: but they're not seeing it from the other perspective that

971
00:43:55,120 --> 00:43:58,799
Speaker 2: when I receive one hundred dollars gift, there's that expectation

972
00:43:58,960 --> 00:44:01,040
Speaker 2: to give one back. And if you're going into a

973
00:44:01,080 --> 00:44:05,440
Speaker 2: situation where there's fourteen people coming to Christmas, is that

974
00:44:05,520 --> 00:44:09,480
Speaker 2: actually reasonable to expect of everyone? Financially it's crazy. We're

975
00:44:09,480 --> 00:44:11,280
Speaker 2: in the middle of the cost of living crisis.

976
00:44:11,360 --> 00:44:13,399
Speaker 5: Yeah, it's sad that they didn't want to do because

977
00:44:13,400 --> 00:44:15,360
Speaker 5: my normal suggestion would be like a secret standard, like

978
00:44:15,400 --> 00:44:16,400
Speaker 5: that's the obvious choice, and.

979
00:44:16,480 --> 00:44:18,799
Speaker 2: She's clearly trying to pitch you already's.

980
00:44:19,800 --> 00:44:22,400
Speaker 5: If me personally, if that was the case, and I

981
00:44:22,440 --> 00:44:24,920
Speaker 5: couldn't afford to do the gifts or like the stress

982
00:44:24,920 --> 00:44:26,400
Speaker 5: of it or whatever, and I was like, I need

983
00:44:26,440 --> 00:44:28,839
Speaker 5: to give something, but like they're not meeting me at

984
00:44:28,880 --> 00:44:30,880
Speaker 5: the table with the secret thing. I would probably do

985
00:44:30,960 --> 00:44:32,439
Speaker 5: it like bake something like I would.

986
00:44:32,719 --> 00:44:34,680
Speaker 2: I would ask you to bake me something. Don't give

987
00:44:34,680 --> 00:44:36,120
Speaker 2: me presents any food.

988
00:44:36,560 --> 00:44:39,160
Speaker 5: Serious food is you know, if you do a big

989
00:44:39,200 --> 00:44:41,279
Speaker 5: batch of the same thing for everybody, it can be

990
00:44:41,360 --> 00:44:44,080
Speaker 5: like reasonably affordable and you can still I think if

991
00:44:44,120 --> 00:44:46,960
Speaker 5: you present it really beautifully. I'm thinking that these people

992
00:44:46,960 --> 00:44:49,319
Speaker 5: sound kind of selfish and maybe they weren't appreciate it,

993
00:44:49,360 --> 00:44:49,920
Speaker 5: but like.

994
00:44:50,000 --> 00:44:52,080
Speaker 2: Yeah, that's the vibe I get to know if I

995
00:44:52,120 --> 00:44:54,080
Speaker 2: was getting but I didn't want to say it so bad.

996
00:44:54,719 --> 00:44:56,200
Speaker 5: That's the case though, You're never going to be able

997
00:44:56,200 --> 00:44:58,160
Speaker 5: to win, is my kind of thoughts. And so I think,

998
00:44:58,200 --> 00:45:00,839
Speaker 5: like if like I think cookie comes from a heart,

999
00:45:00,880 --> 00:45:02,680
Speaker 5: you can dress it up really beautifully, like put it

1000
00:45:02,680 --> 00:45:05,600
Speaker 5: in beautiful packaging, maybe write out you know a recipe

1001
00:45:05,680 --> 00:45:07,920
Speaker 5: or pick a meaningful recipe. It's a family recipe or

1002
00:45:08,000 --> 00:45:10,719
Speaker 5: my personal favorite, and I wanted to share it with you.

1003
00:45:10,719 --> 00:45:12,560
Speaker 5: You can, you know, give them a little teatowel or

1004
00:45:12,560 --> 00:45:14,920
Speaker 5: something if you want to add something to it. But

1005
00:45:15,000 --> 00:45:17,200
Speaker 5: I think baking is a really good gift to give

1006
00:45:17,320 --> 00:45:19,960
Speaker 5: to lots of people because you enjoy food, you share food.

1007
00:45:20,600 --> 00:45:24,080
Speaker 5: But I honestly my deep down feeling you're just not

1008
00:45:24,120 --> 00:45:26,640
Speaker 5: gonna win and that kind of sucks. But like if

1009
00:45:26,680 --> 00:45:29,040
Speaker 5: they're gonna hold that against you, they're kind of shitty people.

1010
00:45:29,120 --> 00:45:31,120
Speaker 4: Yeah, totally. I was going to say too, like if

1011
00:45:31,120 --> 00:45:35,920
Speaker 4: you are just grappling with these particular people and everyone

1012
00:45:35,960 --> 00:45:38,319
Speaker 4: else is pretty chill, because I feel like this is

1013
00:45:38,400 --> 00:45:45,320
Speaker 4: not some completely alien concept, Like literally Christmas is stressful

1014
00:45:45,560 --> 00:45:47,800
Speaker 4: right now, I'm sitting here. I actually have anxiety about

1015
00:45:48,280 --> 00:45:50,359
Speaker 4: this conversation about how much money I'm going to have

1016
00:45:50,400 --> 00:45:54,120
Speaker 4: to spend over the next month, And so it's not

1017
00:45:54,239 --> 00:45:56,799
Speaker 4: a foreign concept, Like people understand that. So if this

1018
00:45:56,920 --> 00:46:00,200
Speaker 4: is the only one or two people that are a

1019
00:46:00,520 --> 00:46:02,799
Speaker 4: kind of like pushing back on this, maybe like talk

1020
00:46:02,840 --> 00:46:05,400
Speaker 4: to everyone else and just get those two people presents

1021
00:46:05,480 --> 00:46:07,719
Speaker 4: and be like for everyone else, let's all do a

1022
00:46:07,760 --> 00:46:11,040
Speaker 4: secret stander all, let's all do nothing, because I'm sure

1023
00:46:11,040 --> 00:46:13,880
Speaker 4: if you're thinking it, other people are probably thinking I

1024
00:46:13,880 --> 00:46:17,560
Speaker 4: can't thought this either, Like this is excessive this is Surely.

1025
00:46:17,200 --> 00:46:19,799
Speaker 2: You're not the only one. Surely, And maybe this is

1026
00:46:19,880 --> 00:46:23,879
Speaker 2: just stereotyping, but I'm assuming it's coming from the matriarch

1027
00:46:23,920 --> 00:46:26,600
Speaker 2: in the family who's like running the Christmas stuff, and

1028
00:46:26,640 --> 00:46:27,960
Speaker 2: you will go to her hat like, I don't know,

1029
00:46:28,040 --> 00:46:30,880
Speaker 2: this is very stereotypical, but I feel like that's often

1030
00:46:30,920 --> 00:46:34,480
Speaker 2: the type of person that pushes that narrative. And I

1031
00:46:34,520 --> 00:46:36,680
Speaker 2: don't know how you would approach this because so many

1032
00:46:36,680 --> 00:46:38,840
Speaker 2: people have so many different ways, but I do believe

1033
00:46:38,840 --> 00:46:40,680
Speaker 2: they might have their blinkers on a bit and they're

1034
00:46:40,719 --> 00:46:44,720
Speaker 2: not seeing the world for the situation we are generally,

1035
00:46:44,719 --> 00:46:48,200
Speaker 2: and they're just seeing their situation and going but it's fine,

1036
00:46:48,640 --> 00:46:51,520
Speaker 2: and that's really nice. But maybe even contextualizing it and

1037
00:46:51,560 --> 00:46:54,240
Speaker 2: being like, hey, cool, like I've actually done the maths

1038
00:46:54,280 --> 00:46:56,320
Speaker 2: on this, and I've worked out that it'll cost me

1039
00:46:56,360 --> 00:46:59,080
Speaker 2: fourteen hundred dollars just on gifts before I even come

1040
00:46:59,120 --> 00:47:02,480
Speaker 2: to Christmas, and that's just not financially viable for me,

1041
00:47:03,080 --> 00:47:08,120
Speaker 2: and seeing if that context helps, because often people will

1042
00:47:08,200 --> 00:47:10,399
Speaker 2: push back on you when they don't have a full

1043
00:47:10,480 --> 00:47:13,920
Speaker 2: comprehension of the situation, like if I've never been in

1044
00:47:13,960 --> 00:47:16,680
Speaker 2: your shoes back and I go, well, it's not that hard.

1045
00:47:17,000 --> 00:47:20,400
Speaker 2: It's like someone trying to explain their anxiety to you,

1046
00:47:20,480 --> 00:47:23,359
Speaker 2: Like I am someone that's not scared of spiders, like

1047
00:47:23,400 --> 00:47:25,799
Speaker 2: I genuinely am not. I'm like, oh, hey, friend, you're

1048
00:47:25,880 --> 00:47:28,919
Speaker 2: big boy. Like when I see a huntsman, Jessicaupp would

1049
00:47:29,000 --> 00:47:32,799
Speaker 2: fly across the room, like she even smelled like she

1050
00:47:32,920 --> 00:47:34,799
Speaker 2: thinks there might be a spider. She's not going in

1051
00:47:34,800 --> 00:47:39,920
Speaker 2: that room. So like trying to explain that to somebody

1052
00:47:39,920 --> 00:47:42,440
Speaker 2: and going, but I'm fine with it. Why isn't Jessica

1053
00:47:42,480 --> 00:47:45,640
Speaker 2: fine with it? That's not fair. And the same thing

1054
00:47:45,719 --> 00:47:49,120
Speaker 2: exists around money. So I think we need to give

1055
00:47:49,239 --> 00:47:52,400
Speaker 2: somebody else the context because in this situation, let's pretend

1056
00:47:52,480 --> 00:47:55,480
Speaker 2: it's spiders. Just might go hey v My heart rate

1057
00:47:55,560 --> 00:47:59,080
Speaker 2: goes up significantly, I get anxious, I get sweaty hands,

1058
00:47:59,400 --> 00:48:02,239
Speaker 2: like it's I can't even think straight, Like it is

1059
00:48:02,360 --> 00:48:04,440
Speaker 2: so uncomfortable for me that I never want to be

1060
00:48:04,440 --> 00:48:08,440
Speaker 2: in that situation. For me, that's not my experience. But

1061
00:48:08,480 --> 00:48:11,560
Speaker 2: by being able to contextualize it and see that, oh, well,

1062
00:48:11,560 --> 00:48:13,960
Speaker 2: that's just this experience. Farah, I'm going to step in

1063
00:48:13,960 --> 00:48:15,359
Speaker 2: and be like, all right, will you stay outside I'm

1064
00:48:15,360 --> 00:48:16,640
Speaker 2: going to deal with the spider and I'll let you

1065
00:48:16,640 --> 00:48:18,840
Speaker 2: know when it's all done and gone. I can sympathize

1066
00:48:18,840 --> 00:48:22,320
Speaker 2: easier after you exactly. And I think that by giving

1067
00:48:22,360 --> 00:48:25,480
Speaker 2: people more context and going, hey, cool, I did the maths,

1068
00:48:25,880 --> 00:48:28,120
Speaker 2: and it's fourteen hundred dollars for me just to come.

1069
00:48:28,160 --> 00:48:31,920
Speaker 2: If my partner is also buying gifts, that's now twenty

1070
00:48:31,960 --> 00:48:35,360
Speaker 2: eight hundred dollars across the whole family. We're spending thirty

1071
00:48:35,400 --> 00:48:38,279
Speaker 2: thousand dollars this year on presence, do you know what

1072
00:48:38,320 --> 00:48:41,080
Speaker 2: I mean? Like we could extrapolate that out and go

1073
00:48:41,400 --> 00:48:44,799
Speaker 2: that's insane, that's not in line with our values at all.

1074
00:48:45,360 --> 00:48:47,239
Speaker 2: Or on the flip side, this is probably a little

1075
00:48:47,280 --> 00:48:51,480
Speaker 2: bit more rogue. Hey, that's fantastic. We won't be participating.

1076
00:48:51,520 --> 00:48:55,200
Speaker 2: Could you just circulate? People don't have to buy for us,

1077
00:48:55,200 --> 00:48:58,359
Speaker 2: They can buy for absolutely everybody else. We know that

1078
00:48:58,440 --> 00:49:00,520
Speaker 2: by opting out of this, we're not going to receive

1079
00:49:00,520 --> 00:49:02,719
Speaker 2: any gifts, but we're also not going to give any gifts.

1080
00:49:02,800 --> 00:49:04,759
Speaker 2: On the day, you know, Jess and I we're going

1081
00:49:04,800 --> 00:49:06,520
Speaker 2: to make a big batch of cookies and bring all

1082
00:49:06,560 --> 00:49:08,840
Speaker 2: of the food and the vibes like will be there. Yes,

1083
00:49:09,040 --> 00:49:11,200
Speaker 2: and in fact, our kids would love to do a

1084
00:49:11,239 --> 00:49:13,720
Speaker 2: little secret santas, so maybe we could do that in addition,

1085
00:49:13,840 --> 00:49:15,719
Speaker 2: are you interested? We could just get the kids in

1086
00:49:15,760 --> 00:49:20,000
Speaker 2: on that and still have something that aligns with their values.

1087
00:49:20,040 --> 00:49:22,080
Speaker 2: All right, no worries. You do your thing then, but

1088
00:49:22,160 --> 00:49:24,719
Speaker 2: I'm actually not going to be actively participating in that

1089
00:49:24,760 --> 00:49:27,239
Speaker 2: and see how that goes. And I think it's all

1090
00:49:27,280 --> 00:49:31,120
Speaker 2: about being as positive as possible during that because these

1091
00:49:31,160 --> 00:49:37,360
Speaker 2: situations money Christmas emotions, everyone can start yelling really quickly,

1092
00:49:37,960 --> 00:49:41,320
Speaker 2: everyone can start typing in group chat in like capital letters,

1093
00:49:41,960 --> 00:49:44,000
Speaker 2: and I think that just by going okay, cool, like

1094
00:49:44,120 --> 00:49:46,640
Speaker 2: this is really this is pushing me to my limits.

1095
00:49:46,640 --> 00:49:49,040
Speaker 2: But I'm going to maintain kindness and I'm always going

1096
00:49:49,080 --> 00:49:52,360
Speaker 2: to try and approach every response with empathy. Hey, I

1097
00:49:52,400 --> 00:49:54,799
Speaker 2: can totally see where you're coming from, but unfortunately that

1098
00:49:54,880 --> 00:49:57,440
Speaker 2: doesn't align with what we are trying to work towards

1099
00:49:57,600 --> 00:50:01,279
Speaker 2: for Christmas. And like, as you know, the three of us,

1100
00:50:01,360 --> 00:50:03,719
Speaker 2: we're kind of people. Please is like, I'm not the

1101
00:50:03,760 --> 00:50:05,640
Speaker 2: type of person that's like, I'm sorry, Beck, I'm not

1102
00:50:05,680 --> 00:50:09,600
Speaker 2: doing that. I want to be like, oh, actually, that

1103
00:50:09,719 --> 00:50:11,480
Speaker 2: fourteen hundred dollars that we taught and this is just

1104
00:50:11,520 --> 00:50:12,839
Speaker 2: like the number I f picked out of my head.

1105
00:50:12,840 --> 00:50:15,360
Speaker 2: We don't know if that's the number. This fourteen hundred

1106
00:50:15,400 --> 00:50:17,640
Speaker 2: dollars is actually going to go towards. We're planning on

1107
00:50:17,680 --> 00:50:20,400
Speaker 2: taking the kids on a holiday later this year, and

1108
00:50:20,440 --> 00:50:23,040
Speaker 2: we've budget about twenty five hundred dollars, so between us, Like,

1109
00:50:23,080 --> 00:50:27,320
Speaker 2: that's actually our holiday budget, you know, makes sense, ha ha,

1110
00:50:27,719 --> 00:50:31,040
Speaker 2: Like I think if you need to contextualize it, you

1111
00:50:31,080 --> 00:50:34,840
Speaker 2: can do that. But also, no, nobody deserves an explanation.

1112
00:50:35,080 --> 00:50:37,799
Speaker 2: You're like to say, no, you're a grown adult. I

1113
00:50:37,760 --> 00:50:38,800
Speaker 2: don't totally forget.

1114
00:50:38,600 --> 00:50:41,560
Speaker 5: That sometimes, like genuinely, I'm like, oh no, he's an

1115
00:50:41,560 --> 00:50:44,080
Speaker 5: option and the other.

1116
00:50:43,960 --> 00:50:46,080
Speaker 2: Thing, Jess, no is a full sentence.

1117
00:50:46,719 --> 00:50:51,600
Speaker 4: That's true. I understand how uncomfortable it would be social

1118
00:50:51,600 --> 00:50:53,960
Speaker 4: prior or yeah, one hundred percent, but people are probably

1119
00:50:53,960 --> 00:50:56,479
Speaker 4: going to be You might be shocked. You might side

1120
00:50:56,520 --> 00:50:58,280
Speaker 4: and be like, oh my god, yeah, I've been someone

1121
00:50:58,280 --> 00:50:59,239
Speaker 4: else's years.

1122
00:50:59,160 --> 00:51:02,759
Speaker 2: Someone else's Thally. We used to do that in our

1123
00:51:02,800 --> 00:51:05,160
Speaker 2: family and then I don't know who pitched it, but

1124
00:51:05,239 --> 00:51:07,640
Speaker 2: now we do Secret Santa, and that's actually really fun

1125
00:51:07,680 --> 00:51:10,279
Speaker 2: because the cap for us in our family is I

1126
00:51:10,280 --> 00:51:13,040
Speaker 2: think it's fifty dollars a present, but that's like our

1127
00:51:13,040 --> 00:51:15,279
Speaker 2: total Christmas budget for that side of the family, so

1128
00:51:15,360 --> 00:51:18,080
Speaker 2: that for us is quite reasonable. And then someone gets

1129
00:51:18,120 --> 00:51:19,960
Speaker 2: a good present, like we all walk away with a

1130
00:51:19,960 --> 00:51:22,960
Speaker 2: good fifty dollars present. On the flip side, I think

1131
00:51:22,960 --> 00:51:26,040
Speaker 2: I've told you guys this before. We do homemade, handmade,

1132
00:51:26,080 --> 00:51:28,759
Speaker 2: or second hand, yes, and so it has to be

1133
00:51:28,760 --> 00:51:31,719
Speaker 2: one of those three and that becomes fun. It's like

1134
00:51:31,800 --> 00:51:34,560
Speaker 2: your like shitty Christmas where you kind of it's kind

1135
00:51:34,560 --> 00:51:36,799
Speaker 2: of like gammified, like what's the best if I can

1136
00:51:36,840 --> 00:51:41,040
Speaker 2: get secondhand on Facebook market place, which is really fun?

1137
00:51:41,680 --> 00:51:42,920
Speaker 5: Yeah, whateverone else say?

1138
00:51:43,000 --> 00:51:45,680
Speaker 2: Okay, So we had a lot of opinions. First one,

1139
00:51:45,719 --> 00:51:48,799
Speaker 2: we said which one are you? Eighty five percent of

1140
00:51:48,840 --> 00:51:52,479
Speaker 2: you said we are team Secret Santa. Fifteen percent said

1141
00:51:52,520 --> 00:51:56,680
Speaker 2: we are team buy for everyone almost be nice, yes

1142
00:51:56,840 --> 00:52:01,080
Speaker 2: or stressful and I'm not on the tea. We then

1143
00:52:01,239 --> 00:52:03,960
Speaker 2: asked how are you feeling about Christmas this year? Forty

1144
00:52:04,000 --> 00:52:06,120
Speaker 2: three percent of yous said that you were feeling stressed

1145
00:52:06,120 --> 00:52:09,600
Speaker 2: about overspending. So beck when you said, I'm really already

1146
00:52:09,640 --> 00:52:13,480
Speaker 2: stressed about this, soo's most of our community, forty three

1147
00:52:13,520 --> 00:52:15,839
Speaker 2: percent agreed with you. They were like Beck, we are

1148
00:52:15,880 --> 00:52:19,839
Speaker 2: also stressed company chi for what Maybe our community are

1149
00:52:19,880 --> 00:52:22,640
Speaker 2: better at money than we are, because forty six percent

1150
00:52:22,640 --> 00:52:26,040
Speaker 2: of you said I'm actually a Christmas budgeting queen. Oh great,

1151
00:52:26,360 --> 00:52:28,440
Speaker 2: us be nice, And eleven percent of you said I'm

1152
00:52:28,480 --> 00:52:33,040
Speaker 2: happy to blow the budget it's Christmas. Well, you know

1153
00:52:33,080 --> 00:52:36,160
Speaker 2: what you're allow. You're alone. You can do whatever you

1154
00:52:36,200 --> 00:52:38,880
Speaker 2: want as long as it's in line with your values.

1155
00:52:39,160 --> 00:52:41,320
Speaker 2: Like Beck, if you said, well, I want to blow

1156
00:52:41,360 --> 00:52:43,359
Speaker 2: my budget every Christmas, I'll be like, okay, well if

1157
00:52:43,360 --> 00:52:45,480
Speaker 2: you thought about it, cool, Like, all I want you

1158
00:52:45,520 --> 00:52:46,960
Speaker 2: to do is think about it and make sure that

1159
00:52:47,000 --> 00:52:50,560
Speaker 2: it's not compromising your bigger financial goals. Maybe Christmas is

1160
00:52:50,640 --> 00:52:54,680
Speaker 2: like Jess is Christmas crazy and we love that. Maybe

1161
00:52:54,719 --> 00:52:57,480
Speaker 2: that's like the biggest thing that you're budgeting for the

1162
00:52:57,640 --> 00:53:01,359
Speaker 2: entire year because you cannot wait for Christmas. Yeah, I'm

1163
00:53:01,400 --> 00:53:03,759
Speaker 2: not gonna yuck your yum like, I'm not going to

1164
00:53:03,800 --> 00:53:06,720
Speaker 2: stop you from doing something that's so aligned to your values.

1165
00:53:06,760 --> 00:53:09,800
Speaker 2: But isn't it cool that by going through the steps

1166
00:53:09,800 --> 00:53:13,440
Speaker 2: on these conversations, we're getting clearer on our own values.

1167
00:53:13,719 --> 00:53:16,400
Speaker 2: You're probably thinking, oh, well, I do do that or

1168
00:53:16,600 --> 00:53:18,960
Speaker 2: don't do that, But You've probably never thought about it before.

1169
00:53:18,960 --> 00:53:21,440
Speaker 2: You just go through the motions every year. So we

1170
00:53:21,520 --> 00:53:24,600
Speaker 2: then said to the community, what is your two cents?

1171
00:53:24,960 --> 00:53:27,440
Speaker 2: One person said, this sounds like I could have written it.

1172
00:53:27,880 --> 00:53:31,680
Speaker 2: Keen to hear answers. It is so hard. Someone else said,

1173
00:53:31,800 --> 00:53:34,400
Speaker 2: ask if you can do thrift mess or put a

1174
00:53:34,520 --> 00:53:40,120
Speaker 2: twenty dollar spend limit on each person, or make gifts instead. Yeah, yeah,

1175
00:53:40,160 --> 00:53:43,000
Speaker 2: we've got the cookie recipe for Jess's peak am PI

1176
00:53:43,120 --> 00:53:46,600
Speaker 2: cookies in the show notes, so you're welcome. Someone else said,

1177
00:53:46,760 --> 00:53:50,360
Speaker 2: just by everyone the same book. Obviously she's on the

1178
00:53:50,360 --> 00:53:50,839
Speaker 2: money book.

1179
00:53:50,880 --> 00:53:53,120
Speaker 5: You imagine everyone going to coffee if she's the money.

1180
00:53:54,600 --> 00:53:57,919
Speaker 2: Cute by everyone the same book to it. Then someone said,

1181
00:53:57,960 --> 00:54:01,000
Speaker 2: bonus points. If it's that she's on the money, you're

1182
00:54:01,040 --> 00:54:04,720
Speaker 2: an icon. Another person said, you need the problem person

1183
00:54:05,239 --> 00:54:07,320
Speaker 2: to think it's their idea somehow.

1184
00:54:07,880 --> 00:54:09,880
Speaker 4: Ohha, clevera.

1185
00:54:10,560 --> 00:54:13,160
Speaker 2: I like this. This is a little bit psychological. Maybe

1186
00:54:13,160 --> 00:54:15,120
Speaker 2: you could pull them aside and be like, we're in

1187
00:54:15,120 --> 00:54:16,879
Speaker 2: the middle of the cost of living crisis. I think

1188
00:54:16,880 --> 00:54:20,320
Speaker 2: it would take the pressure off everybody. Maybe you could

1189
00:54:20,320 --> 00:54:25,400
Speaker 2: pitch the idea. It's just see how it goes. Yeah, oh,

1190
00:54:25,440 --> 00:54:28,359
Speaker 2: that is nifty. I wish I'd thought of that one.

1191
00:54:28,800 --> 00:54:31,880
Speaker 2: Someone else said, feeling like a grinch for having to

1192
00:54:31,920 --> 00:54:33,799
Speaker 2: give gifts for the sake of it.

1193
00:54:34,880 --> 00:54:36,920
Speaker 5: Yes, true, you shouldn't have to do something you don't

1194
00:54:36,960 --> 00:54:39,040
Speaker 5: want to do, is what it like ultimately comes down to.

1195
00:54:40,120 --> 00:54:42,640
Speaker 2: Someone else said, my mother in law was the same.

1196
00:54:42,800 --> 00:54:45,880
Speaker 2: It took two years of us suggesting and building support,

1197
00:54:46,040 --> 00:54:50,520
Speaker 2: but this is year one of only buying one gift. Great,

1198
00:54:50,719 --> 00:54:53,000
Speaker 2: I love this. Someone else said, give that mental load

1199
00:54:53,080 --> 00:54:56,000
Speaker 2: back to her partner. Her in law gifts should be

1200
00:54:56,040 --> 00:54:57,520
Speaker 2: her partner's responsibility.

1201
00:54:57,920 --> 00:55:00,640
Speaker 4: There you go, huh pot take yeah, di.

1202
00:55:01,000 --> 00:55:04,000
Speaker 2: Y something small I reckon, like your Christmas crack and

1203
00:55:04,080 --> 00:55:08,760
Speaker 2: wrap up some for everybody Instagram.

1204
00:55:08,800 --> 00:55:09,000
Speaker 5: We do.

1205
00:55:09,080 --> 00:55:11,200
Speaker 2: We'll link it in the show notes as well. Because

1206
00:55:11,200 --> 00:55:13,960
Speaker 2: it's super easy. Just where the cookie is easy to make?

1207
00:55:15,000 --> 00:55:16,239
Speaker 2: Or are they like complicated?

1208
00:55:16,640 --> 00:55:18,600
Speaker 5: I would say, mit, like they're not like a choc

1209
00:55:18,680 --> 00:55:20,640
Speaker 5: chip cookie because you have to make the peacan top

1210
00:55:20,640 --> 00:55:22,120
Speaker 5: being separate to THEE.

1211
00:55:22,320 --> 00:55:24,399
Speaker 2: But it's not. It's no like.

1212
00:55:24,400 --> 00:55:26,200
Speaker 5: I can do it, and I maintain I'm not a

1213
00:55:26,200 --> 00:55:28,080
Speaker 5: particularly good cook, So like I think.

1214
00:55:27,880 --> 00:55:29,160
Speaker 4: It's what's the dishes?

1215
00:55:30,560 --> 00:55:32,279
Speaker 2: NA like two pans in the mixing bowl?

1216
00:55:32,320 --> 00:55:34,560
Speaker 5: Really and you're measuring cups and spoons, which I feel

1217
00:55:34,560 --> 00:55:35,440
Speaker 5: like is pretty standards.

1218
00:55:35,640 --> 00:55:38,960
Speaker 2: That's yeah, we could do that. We could do that

1219
00:55:39,000 --> 00:55:43,320
Speaker 2: cooking being beck. Someone else said, I love gift giving,

1220
00:55:43,320 --> 00:55:47,759
Speaker 2: but I'm not offended if it's not reciprocated. Opt out you, queen. True.

1221
00:55:48,400 --> 00:55:52,759
Speaker 2: In fact, I find it really interesting this concept of

1222
00:55:52,760 --> 00:55:55,719
Speaker 2: gift giving, Like if I'm giving you a gift, it's

1223
00:55:55,719 --> 00:55:58,560
Speaker 2: not because I'm expecting something in return. I'm giving you

1224
00:55:58,600 --> 00:56:01,319
Speaker 2: a gift because I'm you are going to love it.

1225
00:56:01,440 --> 00:56:04,160
Speaker 5: Yeah, idea that it needs to be reciprocated equally to

1226
00:56:04,760 --> 00:56:06,160
Speaker 5: like I bought you one hundred doll year or you

1227
00:56:06,200 --> 00:56:07,680
Speaker 5: brought me on a hundred all years I'm gonna get.

1228
00:56:07,600 --> 00:56:11,399
Speaker 2: No, absolutely not. It's just it's love.

1229
00:56:11,560 --> 00:56:12,680
Speaker 5: Gift giving is meant to be.

1230
00:56:12,960 --> 00:56:15,760
Speaker 2: It's just not your love language. That's so far exactly.

1231
00:56:16,120 --> 00:56:19,439
Speaker 4: Imagine we put that blanket rule over everything, Like I'm

1232
00:56:19,480 --> 00:56:21,520
Speaker 4: going to go get your coffee, so therefore today you've

1233
00:56:21,520 --> 00:56:22,920
Speaker 4: got to do a good deed for me, you know

1234
00:56:22,960 --> 00:56:24,480
Speaker 4: what I mean. It's like, no, you just like do

1235
00:56:24,680 --> 00:56:26,120
Speaker 4: nice things because you feel like you want to do

1236
00:56:26,160 --> 00:56:26,719
Speaker 4: a nice thing.

1237
00:56:26,800 --> 00:56:30,000
Speaker 2: Yeah, and yeah, if you are giving gifts in that way,

1238
00:56:30,080 --> 00:56:33,440
Speaker 2: this is probably really nasty, but that's okay. You were

1239
00:56:33,480 --> 00:56:35,840
Speaker 2: never giving the gift for that person to benefit. You

1240
00:56:35,880 --> 00:56:38,360
Speaker 2: were giving the gift to get something in return, and

1241
00:56:38,400 --> 00:56:40,440
Speaker 2: that's actually not gift giving. Hey.

1242
00:56:40,560 --> 00:56:40,840
Speaker 4: True.

1243
00:56:41,080 --> 00:56:44,400
Speaker 2: Yeah, So anyway, that is probably a negative place to

1244
00:56:44,440 --> 00:56:46,280
Speaker 2: leave it, So let me change it into a positive.

1245
00:56:46,400 --> 00:56:48,680
Speaker 2: I have a really great Christmas present suggestion, and that

1246
00:56:48,800 --> 00:56:50,840
Speaker 2: is my new book that came out a couple of

1247
00:56:50,880 --> 00:56:54,920
Speaker 2: weeks ago, The Business Bible hit Shelves, which is so

1248
00:56:55,160 --> 00:56:59,759
Speaker 2: exciting because I feel like I probably haven't promoed this enough.

1249
00:56:59,840 --> 00:57:02,360
Speaker 2: But it's not just for like building ashes on the

1250
00:57:02,360 --> 00:57:05,960
Speaker 2: money size business. It's for side hustlers and earning some

1251
00:57:06,040 --> 00:57:08,880
Speaker 2: extra income on the side and managing that properly. And

1252
00:57:09,200 --> 00:57:11,319
Speaker 2: I think that there's for a very long time been

1253
00:57:11,360 --> 00:57:15,160
Speaker 2: this massive misconception that if you start a side hustle,

1254
00:57:15,200 --> 00:57:18,680
Speaker 2: you need to scale it to become your full time income. Like, Jess,

1255
00:57:18,720 --> 00:57:21,720
Speaker 2: how many times have you been asked, oh, you have

1256
00:57:21,760 --> 00:57:23,160
Speaker 2: a side hut, when are you going to be a

1257
00:57:23,160 --> 00:57:26,400
Speaker 2: full time influencer? And I think that we need to

1258
00:57:26,480 --> 00:57:30,760
Speaker 2: decipher that and champion the teeny tiny micro businesses because

1259
00:57:30,800 --> 00:57:32,960
Speaker 2: you need the same structure. But Jess, you still have

1260
00:57:33,000 --> 00:57:36,240
Speaker 2: to do the same tax return as a big business,

1261
00:57:36,840 --> 00:57:39,880
Speaker 2: but you don't get the advice. So it's from small

1262
00:57:39,960 --> 00:57:43,120
Speaker 2: micro businesses to changing into a company for the first time,

1263
00:57:43,240 --> 00:57:47,160
Speaker 2: to taking your first million, to taking your first eight figures.

1264
00:57:47,320 --> 00:57:49,640
Speaker 2: And I think that it's a scalable book that's also

1265
00:57:49,680 --> 00:57:53,560
Speaker 2: really fun because that's full of business diaries. So from

1266
00:57:53,600 --> 00:57:56,840
Speaker 2: all of my favorite business owners around Australia, they've come

1267
00:57:56,880 --> 00:57:58,720
Speaker 2: together and been like, oh, this is what I struggled with.

1268
00:57:58,760 --> 00:58:01,680
Speaker 2: This was really hard, not what I'm doing, and that

1269
00:58:01,840 --> 00:58:04,280
Speaker 2: was my favorite part. So anyway, that would be a

1270
00:58:04,360 --> 00:58:05,920
Speaker 2: very good Christmas present.

1271
00:58:05,960 --> 00:58:07,960
Speaker 5: And it's probably on sale right now.

1272
00:58:08,000 --> 00:58:10,720
Speaker 2: We'll link it in the show notes as well, because honestly,

1273
00:58:10,800 --> 00:58:13,920
Speaker 2: if you're buying my books not using a discount code

1274
00:58:14,000 --> 00:58:15,920
Speaker 2: or a sale, are you even a proper She's on

1275
00:58:15,920 --> 00:58:19,320
Speaker 2: the Money member. We support you all right, Thank you

1276
00:58:19,360 --> 00:58:21,520
Speaker 2: so much. It has been a pleasure. Where we'll see you,

1277
00:58:21,560 --> 00:58:23,800
Speaker 2: guys bright nearly on Monday for a money diary.

1278
00:58:23,960 --> 00:58:29,080
Speaker 4: Bye, guys say.

1279
00:58:31,040 --> 00:58:33,560
Speaker 2: The advice shared on She's on the Money is general

1280
00:58:33,640 --> 00:58:37,480
Speaker 2: in nature and does not consider your individual circumstances. She's

1281
00:58:37,520 --> 00:58:41,000
Speaker 2: on the Money exists purely for educational purposes. And should

1282
00:58:41,000 --> 00:58:44,200
Speaker 2: not be relied upon to make an investment or financial decision.

1283
00:58:44,560 --> 00:58:47,040
Speaker 2: If you do choose to buy a financial product, read

1284
00:58:47,040 --> 00:58:51,200
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

1285
00:58:51,200 --> 00:58:54,520
Speaker 2: your needs. Victoria Devine and She's on the Money are

1286
00:58:54,560 --> 00:58:59,520
Speaker 2: authorized representatives of Money. Sheper Pty Ltd ABN three two

1287
00:58:59,600 --> 00:59:02,960
Speaker 2: one six four nine two seven seven zero eight a

1288
00:59:03,160 --> 00:59:07,880
Speaker 2: f s L four five one two eight nine