Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it. She's on the Money. She's on
Speaker 2: the Money.
Speaker 3: Hello and welcome to She's on the Money podcast. That
Speaker 3: makes finance fun, especially on Fridays. It's our favorite day
Speaker 3: of the week. No surprise is there because I get
Speaker 3: the team together and we celebrate you the incredible. She's
Speaker 3: on the Money community this week, guess what times are changing?
Speaker 3: Not just Grici is going to be sharing a favorite
Speaker 3: money wins and confessions from the community. Beck is going
Speaker 3: to be sharing her broke tips and how much she
Speaker 3: loves Jess Goterici's cooking, and we're going to be helping
Speaker 3: to answer a money dilemma. This week we're talking all
Speaker 3: about a partner who thinks treat yourself is buying a
Speaker 3: ute or a boat and something you slid into our
Speaker 3: dms about the pressure of feeling like Christmas is a
Speaker 3: really big spender, thon which it is right. But as always,
Speaker 3: before we get there, Beck with a mouthful of cookie,
Speaker 3: tell me, tell me about the cookies that chest mate.
Speaker 4: Oh my god, I was well. I did take a
Speaker 4: bye while you were talking. I just couldn't literally couldnt
Speaker 4: control myself. But I've been looking at them and I
Speaker 4: don't think I can go a whole episode without eating
Speaker 4: a little bit.
Speaker 2: More so in the background to explain them.
Speaker 4: If you go to like a really really good donut
Speaker 4: shop and you can smell like the fresh cinnamon donuts,
Speaker 4: it's like that it's imagined that smell the texture of
Speaker 4: a literal perfect cookie.
Speaker 2: Right, Jess was saying that they're too dry. No, sorry,
Speaker 2: that's not right.
Speaker 4: Also, I don't know if this makes sense, but personally
Speaker 4: I'm a big fan of like hotcakes cook cakes, and
Speaker 4: it kind of like does it's got a hotcake vibe
Speaker 4: in the middle because there's like some sort of maple
Speaker 4: Lea's like.
Speaker 5: A pecan, but there's maple in it.
Speaker 4: Yeah, pie cookie, imagine the best cinnamon donut you ever had,
Speaker 4: the best textured cookie you've ever had.
Speaker 2: Plus caramel with maple syrra pecan.
Speaker 3: You're cooking and just like I can't cook and then
Speaker 3: she whips things like this out and you're like, yeah, Jessica, easy,
Speaker 3: so you're a life feel Yeah, so use straight lined
Speaker 3: to our faces?
Speaker 2: Real, Jesse? Where did you get this recipe? I found
Speaker 2: around tick? Can we have it in the Yes?
Speaker 3: I feel like this would be a really good present
Speaker 3: because look how cute they are too, so like, yeah,
Speaker 3: the vibe of the cookie is very wholesome, very festive, black,
Speaker 3: it's got like the dimple. This is probably too much
Speaker 3: cookie talk, but like it's important, right, But there's like
Speaker 3: the dimple in the middle, and then it's got the
Speaker 3: pikhans in the middle with the caramel.
Speaker 2: Like, can you imagine getting a plate of those as
Speaker 2: a gift? Totally?
Speaker 4: And that's the thing if you're listening and you're like,
Speaker 4: pickens are going to fall off, no, because they do
Speaker 4: have the little dimple and they're covered in this beautiful
Speaker 4: maple ley syrupy.
Speaker 2: People is so good.
Speaker 3: If Jessica doesn't share the recipe with a find it
Speaker 3: for you, don't worry.
Speaker 2: Don't don't expect to be allowed the show next week. Yes, seriously,
Speaker 2: jess is not here next week. You know she's cookies.
Speaker 6: All right.
Speaker 3: I want to talk about our five star review that
Speaker 3: we received this week because it is so sweet, and
Speaker 3: you guys seem to love hearing the five star reviews
Speaker 3: because mainly they're just stroking Beck's ego. But this week
Speaker 3: I picked one that doesn't specifically mentioned Beck.
Speaker 2: That's okay.
Speaker 3: So Brookie has written in so she said love, love, love,
Speaker 3: all in capital letters.
Speaker 2: You know it's going to start.
Speaker 3: I started listening to the pod about six months before
Speaker 3: I moved out of home with very minimal financial literacy.
Speaker 3: I've now been living out of home for three years
Speaker 3: and I am financially thriving. I used the podcast as
Speaker 3: a starting point for setting up our finances and organizing
Speaker 3: our budget when my partner and I moved in together.
Speaker 3: We are now on track to buy our own property
Speaker 3: in the next two years. I could not have done
Speaker 3: this with other beautiful She's on the money team, and
Speaker 3: I'm eternally grateful for the advice, guidance and support. The
Speaker 3: girls have given me so much love for the team.
Speaker 2: Oh my god, it's really sweet. Also, Brookie reminds me
Speaker 2: of Brookie cookies. That's on theme for today. Yeah, oh,
Speaker 2: there you go.
Speaker 3: It's just a bacon episode. It's a baking episode, all right.
Speaker 3: What has the community been baking up.
Speaker 5: Jessica, Oh, they've been baking up some money wins? May
Speaker 5: I say? Firstly? This week I have got one from
Speaker 5: Ze who said, I'm working through my freezer and I'm
Speaker 5: eating all my frozen stuff to start fresh. I feel
Speaker 5: like I haven't done a proper grocery shop in two months.
Speaker 5: Money win, which is one of my favorite things, because
Speaker 5: you know how you haven't gone through my freezer in
Speaker 5: age one hundreds and you're half eaten meal, or you'll
Speaker 5: buy pack of sausages nearly used to a new chuck
Speaker 5: ress in a freezer. I always guarantee you there's whole
Speaker 5: meals in your freezer.
Speaker 3: I convince myself, jess I convince myself that I can't
Speaker 3: remember when I put it in there, and then I
Speaker 3: try to work it out and I'm like, oh, it's
Speaker 3: been more than six months, or like it's been like
Speaker 3: a year or something. Is it still safe to eat?
Speaker 2: I don't know.
Speaker 3: And then I get stressed, and then I don't throw
Speaker 3: it out because I get anxious about that, so it
Speaker 3: just stays in my freezer.
Speaker 5: You got to put a permanent market date on whatever
Speaker 5: your chuck in case pants, I think give that one
Speaker 5: a go.
Speaker 2: He's a smart.
Speaker 5: Cookie, but I wish I want a cookie money when
Speaker 5: I don't, sadly.
Speaker 2: In there somewhere, I'll figure it out. I'll work it
Speaker 2: out if you're next.
Speaker 5: I've got the money in from Airy who said she
Speaker 5: worked for a waste company and they take faulty books
Speaker 5: from publishers to the dump. So a lot of publishers,
Speaker 5: you know, things have ruined. You can't send them out.
Speaker 5: Maybe it gets wet or something like that. Every so
Speaker 5: often the driver brings some boxes in for the office staff,
Speaker 5: anything that's good enough that it doesn't need to go
Speaker 5: to waste. Today she scored these beauties. It's two copies
Speaker 5: of shoes on the money. I got saved from the
Speaker 5: waist and owned it. But I didn't want to send
Speaker 5: them to the dump, which I loved that.
Speaker 2: I thought that was really cute. I've got a puny
Speaker 2: in my head. Can't say it please. Life's better when
Speaker 2: you're with She's on the money. Oh I got retracted.
Speaker 2: I'm not retracted. Okay, so you know how I was like, Ah,
Speaker 2: I'm so funny. I'm not.
Speaker 3: This is a finance podcast, a lot of comedy podcast, so.
Speaker 5: You'll stick to finance. Yes. Next, I've got a money
Speaker 5: win from Hannah, who said money win. I'm up skilling
Speaker 5: myself and learning how to do build a gel manicures.
Speaker 2: Oh my gosh, how funny suggests. It's so fun.
Speaker 5: She said she's going to turn it into a little
Speaker 5: side hustle as well, which lets her be creative money.
Speaker 5: We love that. Next, I've got a money win from Tash,
Speaker 5: who said she had to change her holiday plans but
Speaker 5: she had booked the really cheap flights that don't include
Speaker 5: like the changes or the cancelation. Luckily, she called the
Speaker 5: airline and they were able to change the destination for
Speaker 5: her and she only had to pay ninety dollars in
Speaker 5: change fees, which is a lot of money, but better
Speaker 5: than losing your flights.
Speaker 2: But that's new destination. It's pretty good.
Speaker 5: Yeah, Apparently they found the cheapest flights for her, so
Speaker 5: she didn't have to pay the difference either.
Speaker 2: We did that accidentally with Virgin recently.
Speaker 3: Remember so Beck, we went to Sydney just for the
Speaker 3: day and we're flying back and I had accidentally booked
Speaker 3: the like flights that have no flexibility on them, and
Speaker 3: we were like, oh, we need to get on the
Speaker 3: next flight. And usually if you've got like the what
Speaker 3: is it, I don't know, I don't know what they're called,
Speaker 3: like flexi Yeah, sure, And so you get the flexi
Speaker 3: flight and when you get to the airport, if you
Speaker 3: need to change, you can go up to the front
Speaker 3: tesk and be like, hey, could you swap this, And
Speaker 3: they're usually really like accommodating, and the girl was like,
Speaker 3: oh you aware that you don't have those flights that
Speaker 3: you can change, And I was at the desk acting
Speaker 3: like I did. I was like, oh, I was just
Speaker 3: wondering because I've done it before, and I wasn't being
Speaker 3: rude or anything. I was like, oh, hey, I was
Speaker 3: just wondering if we could change to this flight because
Speaker 3: I think we're at the airport like three hours early
Speaker 3: or something, so we wanted to get on the flight
Speaker 3: to go home earlier, and side note, the flight that
Speaker 3: we were on we had just found out was delayed
Speaker 3: by like another two hours.
Speaker 2: So I would have been a five hour age.
Speaker 3: And we were like, oh, we could sit at the
Speaker 3: airport for five hours, or I could see if we
Speaker 3: can swap them anyway.
Speaker 2: The girl was so nice and she's out. Yeah. She
Speaker 2: was like, look, you're not meant to do this, but
Speaker 2: I'm going to work it out for.
Speaker 3: You, and and we were home before we needed to
Speaker 3: be home.
Speaker 2: So you know what it means. It always pays to
Speaker 2: be kind.
Speaker 5: Yes, and also to be like a loyalty member because
Speaker 5: I think because I.
Speaker 3: Think because they then saw, oh you're a platinum member
Speaker 3: or that's big dog status, but also because we fly
Speaker 3: so often, like it just happened. It wasn't because I
Speaker 3: bought that status. Like I just do a lot.
Speaker 2: Of work, all right.
Speaker 3: Yeah, she was like, I'll make it work. And the
Speaker 3: rest of the team aren't platinum, but she changed all
Speaker 3: of them as well.
Speaker 5: She's good your name and shout out to the queen
Speaker 5: at the Velocity Lounge. We love and appreciate.
Speaker 3: You and dialso really like the pumpkin soup there.
Speaker 2: Honestly, beck I walk into the lounge.
Speaker 3: And the first thing I say to Jess is if
Speaker 3: the soup's not pumpkin, I'm a riot, Like I'm not
Speaker 3: going to be happy.
Speaker 2: That's such a funny thing.
Speaker 4: Like when I go into so if I ever go
Speaker 4: into the lounge I did with you guys once. I'm
Speaker 4: not thinking about soup when I'm in there.
Speaker 2: Sally, aren't you What are you thinking about?
Speaker 4: I think about the most unhealthy, like sweet treats, you know,
Speaker 4: all that kind of stuff. I have twenty te's. You know,
Speaker 4: I don't feel like tea. Actually I don't feel like tea,
Speaker 4: but I'm going to have so many teas.
Speaker 3: Yeah they're free because they're free, yeah, free coffee, free sweet,
Speaker 3: so they've got literal free wine, free beer. Like it's
Speaker 3: actually insane to me. And then you're right, it is
Speaker 3: a bit unhinged that I'm excited about.
Speaker 2: Just back to you. Yeah.
Speaker 5: Next, I've got a money went from Lisa, who said
Speaker 5: she did a new mattress for years. She got the
Speaker 5: email from us, this is totally me just striking our
Speaker 5: own ego because we save someone some money. Got an
Speaker 5: eymil from mass reminding her she'd get one hundred bucks
Speaker 5: off with that code for Koala that we had, and
Speaker 5: then she stacked it with shot back and she managed
Speaker 5: to save herself two hundred and fifteen dollars.
Speaker 3: So I saved a heap of money because I recently
Speaker 3: bought Harvey a new cot mattress and I went through
Speaker 3: Coola because we hadn't go I'm sorry, like I'm not
Speaker 3: going to work with brands, I'm not going to use myself.
Speaker 3: And when the little cop mattress came, it came with
Speaker 3: a Kohala branded book. I don't know if you know this,
Speaker 3: but they're like baby version is called Joey I think
Speaker 3: it's Joey Away. They come with a book, and the
Speaker 3: book is called Joanna the Goanna, and it hasn't very
Speaker 3: quickly become Harvey's favorite book. And I really like reading it.
Speaker 3: This is probably like complete side note, but I really
Speaker 3: like reading it because it's also about like recycling and like,
Speaker 3: you know, saving.
Speaker 2: The planet, and like Joanna and.
Speaker 3: The Goanna has one eye and like they're like trying
Speaker 3: to save their planet and they're like basically like you know,
Speaker 3: every small step in the right direction is still a
Speaker 3: step in the right direction.
Speaker 2: And I'm like, oh, this is the narrative.
Speaker 3: I want to be feeding my kid, so the free
Speaker 3: book at the bottom of a mattress box has become
Speaker 3: my kid's favorite book.
Speaker 2: Glass Saber, you can get you.
Speaker 3: It's not even about the mattress at this point. You
Speaker 3: can get your hands on that book. It is a
Speaker 3: good one for kids.
Speaker 5: Go and I've got a rund for everyone where we're
Speaker 5: all shopping for Christmas. We just did Black Friday. Stack
Speaker 5: your discount codes with your cash back because I saved
Speaker 5: I reckon about five hundred dollars with across a few purchases.
Speaker 3: Okay, sorry, we need to know, Jessica, what were you spending,
Speaker 3: because just say five you need to.
Speaker 2: Be probably spending.
Speaker 6: That.
Speaker 7: I bought some practical with I bought some contact lenses.
Speaker 7: I just tell you, Okay, that's boring and really no bothering.
Speaker 7: I'm c she is a discount stacker, So what else
Speaker 7: are we buying?
Speaker 2: Contact lenses?
Speaker 1: What else?
Speaker 2: Because I want something unhinged.
Speaker 3: I don't want to hear that you were making responsible
Speaker 3: purchases and planning ahead to save money or.
Speaker 4: Most unhinged purchase if you can, I don't know, I
Speaker 4: mean an unhinged I got you at the marketing got me.
Speaker 5: I'm a posed to chip took on this. I went
Speaker 5: to buy my favorite serum, which is expense if it's
Speaker 5: one hundred and fifty dollars, but it was. It was enough,
Speaker 5: the long com Genefe.
Speaker 2: Yeah, you are used to.
Speaker 5: It for like a decade.
Speaker 2: It's really good.
Speaker 5: It's expensive, but it's good.
Speaker 3: One time I got sent that in PR and I
Speaker 3: was like, oh my god, I got sent that in
Speaker 3: PR and Jeff wiped it and I was like, I mean,
Speaker 3: it's really good. I love it, but also Jess is obsessed,
Speaker 3: so you can have it.
Speaker 2: But I was very proud.
Speaker 5: So I went on there to buy that.
Speaker 2: That was all I was buying, and I had like,
Speaker 2: you got like a six piece free gift.
Speaker 5: I was like great. And then when I was checking out,
Speaker 5: it's like, because you've spent one hundred dollars, you can
Speaker 5: buy like this upsell thing.
Speaker 2: Normally I would imagine you.
Speaker 5: They do always get used.
Speaker 2: And I looked.
Speaker 5: I had a little look, see you what was in
Speaker 5: the box, and I was like, immediately at cart the
Speaker 5: car the upsell was two hundred dollars. Before you freak
Speaker 5: out on me, you know it was in that box.
Speaker 5: One hundred and fifty dollars erum. Oh.
Speaker 2: In addition to that, there was one hundred icream.
Speaker 5: That I also used, so I was like, the box
Speaker 5: is paid for itself, and then there was like ten
Speaker 5: other free items which I then sold on Facebook market
Speaker 5: Place for one hundred dollars.
Speaker 2: She's so good. I don't think we could ever catch it.
Speaker 3: No, I don't think we can catch her making a
Speaker 3: bad money decision, but we will continue.
Speaker 5: To try four dollars cash back as well. So basically
Speaker 5: I've all one.
Speaker 2: It was just all free. It was great. Oh that's
Speaker 2: such a nice so impressive.
Speaker 5: You're so impressive stacky discounts, That's all I'm saying.
Speaker 2: Yeah, so sorry.
Speaker 3: That was a hack that I don't think we've talked
Speaker 3: about on the podcast before seeing an opportunity like that,
Speaker 3: and I'm not saying it's a good investment long term,
Speaker 3: but going I could sell that on Facebook market Yeah.
Speaker 3: Did you look on marketplace first to see what it
Speaker 3: might self for? Are you just like I've done this
Speaker 3: so many times?
Speaker 2: I know, Nah, I.
Speaker 5: Just kind of knew, and because I like I in
Speaker 5: my mind, even if I didn't, I was like, oh,
Speaker 5: I could gift it to someone potentially or whatever. But
Speaker 5: everything came. I got two really like pretty makeup bags,
Speaker 5: and then so I just kind of split the products
Speaker 5: across them. Checked the retail value because I all new,
Speaker 5: like I'm not being dodgy or anything. Checked the retail value.
Speaker 5: Each bag was worth like two hundred and fifty bucks
Speaker 5: or something. It was so much free stuff, So each
Speaker 5: bag was worth aout two and fifty bucks. I truck
Speaker 5: to my marketplace and I think I just listed them
Speaker 5: for like sixty dollars each or something.
Speaker 2: And negotiated it for fifty bucks. Yeah, a girl message.
Speaker 5: He was like can I do both for a hundred?
Speaker 5: And I was like done today?
Speaker 3: Yeah, my gosh, so you technically like I'm just doing
Speaker 3: some background maths. Got a two hundred dollars product, you
Speaker 3: ended up paying one hundred dollars, but got your free
Speaker 3: one hundred and fifty dollars serum and one hundred dollar
Speaker 3: ice cream.
Speaker 2: Yeah as wow, yeah, okay, I like game.
Speaker 5: And then you got cash back, and then I got
Speaker 5: forty bucks in cash back as well, So I just laugh.
Speaker 5: I popped off.
Speaker 2: It's home keeping shot back in business. Just absolutely sure.
Speaker 3: I love that, all right, Moving on to broke tips,
Speaker 3: Miss beec what have you got for us apart from
Speaker 3: stealing cookies?
Speaker 4: Okay, so this one comes from a friend of mine.
Speaker 4: These these are all kind of Christmasy, getting in.
Speaker 2: The festive mood. Yeah, yeah, yeah, I like it. It's
Speaker 2: the mood. It's not a Christmas win, but like they're
Speaker 2: festive feeling. Festive feeling exact.
Speaker 5: Okay, a cute festive feeling.
Speaker 2: Yeah, that's cute. So this first one comes from a
Speaker 2: friend of mine.
Speaker 4: He says that if you're and this might be like,
Speaker 4: you know, common knowledge to some extent, but if you're
Speaker 4: a hosboal worker or working healthcare or anything like that,
Speaker 4: just be open to working at least one of the
Speaker 4: public holidays. I remember when I worked at this, Like
Speaker 4: I used to work at like line painting, you know,
Speaker 4: either the car parks and stuff. You know, we used
Speaker 4: to paint all that kind of stuff.
Speaker 2: What And they offer me a.
Speaker 4: Thousand dollars So fun, I know, it was really fun.
Speaker 4: They offer me a thousand dollars to work Christmas Day
Speaker 4: and I was.
Speaker 2: Like, immediately, yes, immediately, yes, I've worked a few Christmas
Speaker 2: days totally costpo life.
Speaker 4: And it's like there's no better feeling, Like I understand
Speaker 4: that you're like missing out on family time and maybe
Speaker 4: if you have to work in the mornings and that's
Speaker 4: when everyone does the presence, but if you, you know,
Speaker 4: just have a chat with everyone and like try and
Speaker 4: work around it.
Speaker 2: Like there's no better feeling than finishing.
Speaker 4: Like a day's work and also knowing that you just
Speaker 4: made so much money and then going home and just
Speaker 4: being able to go and spend time with your family
Speaker 4: now uninterrupted. You got so much money, You've probably made
Speaker 4: all the money that you spent back.
Speaker 3: I didn't make a thousand dollars though, Like I remember
Speaker 3: working Christmas Day because I worked at a rest d
Speaker 3: way back when and every year, like somehow now i'm
Speaker 3: thinking about it, they'd be like, oh, vib but everybody
Speaker 3: else has families, so did I, but I had no children. Yeah,
Speaker 3: and we'd work Christmas Day. But the vibes are real high.
Speaker 3: All the kitchen staff were being festive, like obviously the
Speaker 3: people that were there were there for their Christmas dinners.
Speaker 3: Like it was actually just a really fun and they
Speaker 3: only made us do either a lunch or a dinner service,
Speaker 3: Like we didn't ever have to do the back to
Speaker 3: back and.
Speaker 2: I kind of vibed it.
Speaker 5: I feel like there's some unwritten rule that like Christmas,
Speaker 5: public holidays, Christmas Day, Boxing Day, all that, like everyone
Speaker 5: kind of can do the bare minimum like Boxing Day.
Speaker 5: Obviously you're run off your feet if you're in retail
Speaker 5: or something, but like there's a spoken, unspoken rule, like
Speaker 5: you get a good plate of food, Like you get
Speaker 5: a little bit extra time on your break, like everyone's
Speaker 5: just chill because you're putting in.
Speaker 3: It makes me now think of all of our like
Speaker 3: frontline workers, so like all of the nurses, the doctors,
Speaker 3: like literally everyone who's going to have to work Christmas Day,
Speaker 3: while I now get to have a full Christmas Day,
Speaker 3: which is really nice.
Speaker 2: But I didn't always have that.
Speaker 3: But just shout out to you because like serious is
Speaker 3: like that's the reason why we are safe on Christmas
Speaker 3: Day when all of the kids get their new trampoline,
Speaker 3: double bounce their siblings straight off the trampoline to end
Speaker 3: up in an emergency and we're okay because you're there.
Speaker 5: Yeah, every I'm working for Christmas Day.
Speaker 2: Speaking of double bouncing.
Speaker 3: Complete side note, I feel like in twenty twenty four,
Speaker 3: like I'm seeing all of the trampolines with like this.
Speaker 2: Segmenting and stuff.
Speaker 5: Yeah.
Speaker 3: I don't know about you, but my favorite game on
Speaker 3: our old school definitely above Ground, no net, no bumper metal,
Speaker 3: just metal a.
Speaker 2: Metal my favorite. Do you remember the game Crack the Egg?
Speaker 3: Oh my god, yeah, sister, My sister and I used
Speaker 3: to play that game. And like what for those of
Speaker 3: you who don't know what we're talking about, one person
Speaker 3: bundles up like a little ball and position on the
Speaker 3: trampoline or the other person and jumps aggressively on the
Speaker 3: trampoline trying to bounce them off. Yeah, our game was
Speaker 3: bounce the other person completely off the tra aggressive.
Speaker 6: Wow.
Speaker 2: Because we can't do anymore with the nets, I don't know.
Speaker 3: I'm just really concerned, like my babies in the next
Speaker 3: few months probably going to start walking.
Speaker 2: Is this what I mean? For absolutely?
Speaker 5: My intrusive thought with the nets is just that I
Speaker 5: want to hurdle myself at them as fast as you.
Speaker 5: But I'm assuming the chances are I wouldn't just go through.
Speaker 2: We should go to Trounce. Actually we should have wanted
Speaker 2: to go, have you not been? I want to go
Speaker 2: to all right, Well, we'll do God, but I do
Speaker 2: have to be.
Speaker 3: Really clear before we get them, before you consent to
Speaker 3: coming with me. I have never gone to bounce and
Speaker 3: not had someone who's been with me break a bone.
Speaker 2: Oh my god. Like every time I've been that's Cindy.
Speaker 2: How times is like twice? Three times? I have been
Speaker 2: read three times? Every single time? Every single time?
Speaker 5: Wow.
Speaker 2: Yeah. The first time I went, my ex boyfriend broke
Speaker 2: his leg. Don't about really, egg? Yeah whatever whatever.
Speaker 3: The next time my friend fractured the bone in the
Speaker 3: top of her foot by like landing on the side
Speaker 3: of a trampoline really hard, came down and like land
Speaker 3: Its weird. And the next time one of my friends
Speaker 3: broke his arm, Oh god. Track record says it's mainly
Speaker 3: males who do okay, actual really but if we go,
Speaker 3: we should go.
Speaker 2: It's just us and I'm the most mask of the group.
Speaker 2: That means the chopping I reckon, you'll be fine? Do
Speaker 2: you think so going? Men make dumb decisions? Yeah? Yeah,
Speaker 2: I'm so excited.
Speaker 3: But we're not double bouncing each other. Okay, crack the
Speaker 3: egg maybe you and me can do. And just for sure,
Speaker 3: what's your next break tip?
Speaker 2: Okay, so the next one is also probably common knowledge.
Speaker 2: Knowledge ain't that common exactly.
Speaker 4: And also I feel like it's a good These are
Speaker 4: just good reminders, you know, like a lot of I
Speaker 4: feel like a lot of families. Maybe it's just my family,
Speaker 4: but I do hear of like friends and stuff. They like, oh,
Speaker 4: we're having Christmas dinner at mine, so that means I
Speaker 4: gotta get everything, and you know, it's very stressful.
Speaker 2: They've got to do all the cooking.
Speaker 4: But no more of that from now until forever. If
Speaker 4: you have people coming to your house or you're going
Speaker 4: to someone else's house, the rule is now, everyone must
Speaker 4: bring a dish.
Speaker 2: One dish. Everyone just does one dish and that's it,
Speaker 2: even if it's two of you.
Speaker 5: We want it.
Speaker 3: Recently for the Zella team, like I wasn't Christmas. They
Speaker 3: wanted to do Thanksgiving but Friendsgiving, and so everybody just
Speaker 3: brought a dish.
Speaker 2: Yeah, it made it so easy.
Speaker 4: That's it's what you need. That one comes from Amanda.
Speaker 4: I should say sorry. I even give the name of
Speaker 4: the other one that my other friend is friend.
Speaker 2: People are like, oh, that's such common knowledge.
Speaker 3: You need to do a little bit of a reminder
Speaker 3: or a little bit of a like self check and
Speaker 3: be like I know that, but not everybody know that. Yeah, yeah, yeah,
Speaker 3: And like I learned very early on, like in my
Speaker 3: early twenties when I moved out into sharehouses, that we
Speaker 3: don't all have the same experience growing up, Like we
Speaker 3: don't all learn how to do.
Speaker 2: The same things.
Speaker 3: Like I remember one of my girlfriends that I lived with,
Speaker 3: she was like, Hey, they's really embarrassing. Can you show
Speaker 3: me how? Like you always iron, Like I'm a psycho.
Speaker 3: I know, Jess, do you even.
Speaker 2: Own an ime?
Speaker 5: I do not?
Speaker 4: Yep.
Speaker 3: She refuses to buy things that you have to iron.
Speaker 3: I hail that you do you? But I'm an iron girl.
Speaker 3: I love a crispy shirt.
Speaker 2: She was like, can you teach me how to iron
Speaker 2: a shirt? She just didn't know how.
Speaker 3: And I remember at that time, I was like, oh
Speaker 3: my god, how do you not know how to iron
Speaker 3: a shirt? And in retrospect, I'm like, ah, the you're
Speaker 3: being a bit rude, Like we don't.
Speaker 2: Just learn this stuff.
Speaker 3: If someone didn't teach you or share with you a
Speaker 3: small tip or a small trick along the way, we
Speaker 3: can ask our friends. And I know that you might
Speaker 3: have been like, oh, like it's not that common, but.
Speaker 2: You can all bring a plate? Like you might have
Speaker 2: grown up in a family.
Speaker 3: Where when you're hosting, everything is on you and that's
Speaker 3: the expectation. And you're like, oh, well, you know, if
Speaker 3: Jess said she's coming to my house, like I'll say, oh, no,
Speaker 3: don't bring anything, Jess, Like that's your default.
Speaker 2: You don't have to do that. And I think just being.
Speaker 3: Given permission or having these conversations goes, oh, hold on,
Speaker 3: So you're saying you could make Jess bring snacks to
Speaker 3: my house.
Speaker 2: Yeah, it's good to me. I used to a great
Speaker 2: deal and her cookies. Absolutely.
Speaker 4: I used to get so anxious because I also grew
Speaker 4: up a house where we didn't like host dinners or
Speaker 4: even like, you know, I didn't even know what a
Speaker 4: quilt and like the difference between a blanket or a
Speaker 4: quilt or a comforter was. And so when I went
Speaker 4: out and bought my first what blanket set a moment
Speaker 4: to know that. I think it's like, well, a comforter
Speaker 4: is maybe something you put on your lounge or something
Speaker 4: like or like something you.
Speaker 5: Put comforter is it's kind of like a doate. It's
Speaker 5: usually a little bit thinner. Do they or do they doner.
Speaker 5: She's interchange. Quilt is like the you don't take the
Speaker 5: outside off, whereas your doner is like your white plush
Speaker 5: thing that you put on your like your heavy thing.
Speaker 2: Then you change the pre on.
Speaker 5: The quilt is often decorative, but some people like them
Speaker 5: because they're lighter.
Speaker 2: I have a doner, then you have a doner.
Speaker 5: Yes, totally change.
Speaker 4: Even like napkin, Like you know when you go to
Speaker 4: a place and they give you a nap I didn't
Speaker 4: know what to do with that until literally, I'm not
Speaker 4: joking this year, Like I was, I don't know what
Speaker 4: what what? Like the material one, yeah, I'm like I
Speaker 4: don't know, and then the lap I was like what
Speaker 4: they do it for you?
Speaker 3: Yeah?
Speaker 2: Okay, Well now I feel uncomfortable.
Speaker 3: So you know, whenever we've been out for dinner or
Speaker 3: like lunch or something, have you noticed I always do
Speaker 3: it before they can.
Speaker 2: Get to me.
Speaker 5: I need to start doing that.
Speaker 2: I don't.
Speaker 3: I don't want you doing that. It's uncomfortable. I know
Speaker 3: that it's like part of the service, but.
Speaker 2: I just feel.
Speaker 5: Silly, like I'm like, oh, like I can I can
Speaker 5: just put it on my laps, Like don't you feel
Speaker 5: like I want you to have to do that for like,
Speaker 5: I know that anyway, no, I know you, doesn't make
Speaker 5: you feel like a tiny baby? Yeah, heard, is that right?
Speaker 5: Like there's so many silly little things that people just
Speaker 5: don't know.
Speaker 2: Yeah, because everyone grew up different, we need to different.
Speaker 3: I was thinking about this for like a like series
Speaker 3: on my Instagram or something. You're just like stuff that
Speaker 3: your big sisters teaching you or something like that.
Speaker 2: Because they are my favorite.
Speaker 5: Like the talks, Yeah, because there's TikTokers or YouTube, so
Speaker 5: we're getting so far off truck everybody.
Speaker 3: But I feel like it's related to the she's on
Speaker 3: the money.
Speaker 2: I love the idea.
Speaker 5: One of my favorite teat talk is this little old
Speaker 5: British lady named Anne who teaches you.
Speaker 2: How to clean stuff.
Speaker 5: Yes, and she so we'll put it in the show
Speaker 5: notes showed out to Ann. I love that woman.
Speaker 3: Oh my god, she's so wholesome too, Like you can
Speaker 3: tell by her tone that she's so non judgmental. She
Speaker 3: like she stitches videos and she'll be like, oh hey baby,
Speaker 3: I see that you've done x y Z. What I
Speaker 3: would actually do is get out the sides and use
Speaker 3: some cold water.
Speaker 5: And this, and you just like I love I'll show
Speaker 5: you after.
Speaker 2: But I feel like.
Speaker 3: I feel like I am that person ADHD. So I'm
Speaker 3: jack of all try scared of none, so I give
Speaker 3: everything a crack. And I grew up with a mum
Speaker 3: who has not been diagnosed with ADHD.
Speaker 2: But if you see the two of us together.
Speaker 3: You'll be like, Wow, the apple doesn't fall that far
Speaker 3: from the tree. And that's a compliment. So if you're
Speaker 3: my mum and you're listening, like, that's not a bad thing.
Speaker 3: But like, I don't know one thing that woman can't do.
Speaker 3: She can sew, she can bake, she can cook, she
Speaker 3: can clean. She like if you were like, oh, I
Speaker 3: need to build a chicken coop, she'd be like say less,
Speaker 3: Like this woman can do everything. And growing up I
Speaker 3: was in the very privileged position of, oh do you
Speaker 3: want to do that?
Speaker 2: We'll work it out.
Speaker 3: And so I've just hey, Jess, I can sew, I
Speaker 3: can bake, I can stitch. People like, where did you
Speaker 3: learn how to do crostitch? I'm like, can't you all
Speaker 3: do crosstache?
Speaker 2: You just learn it and you.
Speaker 3: Just do it anyway. I think that that would be
Speaker 3: a fun series. Beck have you got anything.
Speaker 2: Else for us?
Speaker 4: Yes, okay, and so my one these are all kind
Speaker 4: of like similar ish. This one's not really a Brooke tip,
Speaker 4: but I guess it's just a good idea for any
Speaker 4: friend group or any family group that wants to try
Speaker 4: to not spend any money this year, this year, or
Speaker 4: actually this has gone on.
Speaker 2: For a few years now.
Speaker 4: But my one of my friend groups we do this
Speaker 4: thing called shitty Christmas. And these are the rules of
Speaker 4: shitty Christmas. No spending one cent on the gift or
Speaker 4: wrapping winner is the shittiest gift of them all. Sorry
Speaker 4: everyone for all the swearing, and we'll have their name
Speaker 4: engraved on the golden turd.
Speaker 2: I actually do you have it? Are you telling me
Speaker 2: you have a truth? We have a golden turd?
Speaker 4: That being just like those you know, those cheaping grades
Speaker 4: you can probably get them from like I don't know, yeah, no,
Speaker 4: I do know.
Speaker 2: It's spotlight and stuff.
Speaker 4: If you leave behind your present of wrapping, twenty doll
Speaker 4: penalty goes into the Christmas pool for next year. So
Speaker 4: I guess you'll leave behind you're rubbish exactly, and so
Speaker 4: that that amount of money will go into the pool
Speaker 4: for next year. So if you want to, you know,
Speaker 4: maybe get a new golden turd or whatever that is.
Speaker 2: So that is.
Speaker 3: Fine people, And then with the fine money they're buying
Speaker 3: golden turds, Jessica.
Speaker 2: It's money well spend. I am screaming, crying on the inside. Perfect,
Speaker 2: So this is shit.
Speaker 5: What's your shittiest gift that you've ever gotten?
Speaker 4: Okay, so I I want to know who's winning. Yeah,
Speaker 4: last year I didn't go, but someone like, okay, so
Speaker 4: someone did a I can't.
Speaker 2: Fully remember what it was, but it was very funny.
Speaker 4: It was like a cute someone gave just like a
Speaker 4: piece of paper with a QR code on it, and
Speaker 4: you scan the QR code, it's Ellen DeGeneres doing something.
Speaker 2: I can't remember what it was, but I'll try and
Speaker 2: fine for you guys.
Speaker 4: Just like really silly things like that, and you have
Speaker 4: to be like it's so fun because yet so creative.
Speaker 2: It is so funny.
Speaker 4: It is so silly, and you don't spend a single cent. Ideally,
Speaker 4: if you spend ten cents on printing off a QR code,
Speaker 4: maybe that's cheating, but that's okay. So just a good
Speaker 4: idea for anyone who is like I don't want to
Speaker 4: cost for money.
Speaker 2: Let's try and do that, you know, something like that.
Speaker 3: So I think that's really fun because the Q really
Speaker 3: forces you to be creative.
Speaker 2: Yes, and the twein dolls can go to the food
Speaker 2: next year whatever, you know, So I think that's really fun.
Speaker 3: All Right, let's go to a really quick break because
Speaker 3: on the flip side, we're going to be talking about
Speaker 3: a partner who thinks that a treat yourself present is
Speaker 3: like a ute or.
Speaker 2: A boat in the well.
Speaker 3: And then we're going to be chatting about something do
Speaker 3: you slid into our dms about? And that's the pressure
Speaker 3: of feeling like Christmas is just one big spenderth on it.
Speaker 3: So guys, don't go anywhere.
Speaker 2: Welcome back everyone.
Speaker 5: Let's take a listen to this week's money dilemma.
Speaker 3: Hi, there, have you got a money dilemma you just
Speaker 3: can't solve? The She's on the Money team is here
Speaker 3: to help. Every week, we tackle your dilemmas, both big
Speaker 3: and small, to answer your most burning money, career and
Speaker 3: life questions. To get involved, simply head to our website
Speaker 3: and leave us a short voice recording and you might
Speaker 3: just find yourself on the show. Now, let's take a
Speaker 3: listen to this week's money dilemma.
Speaker 2: Hi, Yeah, I was just a little bit of a
Speaker 2: money dilemma.
Speaker 6: What would you do if your boyfriend of three years
Speaker 6: has just gone out and brought a brand new ut
Speaker 6: at a forty five thousand dollar loan, a nineteen percent
Speaker 6: interest rate, and over five years. Don't get me wrong,
Speaker 6: I really like this year. I love it, actually, But
Speaker 6: we didn't need to get in debt for.
Speaker 2: This because we've already got another U.
Speaker 6: We also have a boat, Whereas now you would like
Speaker 6: to go and get a twenty thousand dollar loan now
Speaker 6: to buy a bigger boat, but it's not much bigger,
Speaker 6: and we've already got a boat, and we've already got
Speaker 6: a You, and now we got a new you. I
Speaker 6: really don't know what I can say to him, and
Speaker 6: I really don't know how I can express the way
Speaker 6: I'm feeling. I'm feeling really unsure, unsettled, and I'm starting
Speaker 6: to stress a lot. Before this, our finances were great,
Speaker 6: Our five year goo of a baby buying a moving
Speaker 6: state was really on track. We're in our early twenties.
Speaker 6: I know we don't have anything to lose right now,
Speaker 6: but I'm really worried. Thanks, any advice would be amazing
Speaker 6: or what can I say?
Speaker 2: What would you do?
Speaker 6: Would be super super great?
Speaker 2: Thanks guys. Also, I love you. I love you a lot.
Speaker 4: First of all, I don't know who this lovely person is,
Speaker 4: but they sound like such a ball of fun.
Speaker 2: Yeah, just I need to know them. She's so funny.
Speaker 2: She's like she was like, well, I love the you too.
Speaker 2: But you know, I'm like, oh my god, what a legend.
Speaker 4: Congratulations, congratulations in things that is incredible.
Speaker 2: We've already got a vote. That's incredible. You've already achieved
Speaker 2: very pretty good money goal.
Speaker 4: Yeah, I guess it sounds like, you know, we don't
Speaker 4: have heaps of context, but it sounds like they're already
Speaker 4: pretty well off if.
Speaker 2: They have those things. And I mean, I could be
Speaker 2: completely wrong.
Speaker 4: Maybe they worked for a long time to buy those
Speaker 4: things and now they're just kind of like, you know,
Speaker 4: comfortable or less then, But I guess it is a
Speaker 4: thing we hear a lot, and it's if you have
Speaker 4: shared financial goals, which it sounds like you guys do,
Speaker 4: it's really not okay for your part to making that
Speaker 4: like such big grand financial decisions that will actually affect
Speaker 4: you and your shared financial goals.
Speaker 2: I don't think it's okay.
Speaker 4: I mean, if you feel like you want validation, that's
Speaker 4: all I'm going to tell you.
Speaker 2: I don't have any financial advice, obviously because I am
Speaker 2: not the one. But Jess might have something better.
Speaker 5: I think if it's hard because she didn't say whether
Speaker 5: or not they share finances, because I think the more intertwined. Like,
Speaker 5: I agree, if you have shared financial goals, you should
Speaker 5: absolutely still be talking. But I think, particularly if you
Speaker 5: share finances, you really have a strong case to be like, hey,
Speaker 5: my dude, like not okay. I think that, honestly, exactly
Speaker 5: what you said to us is what I think you
Speaker 5: should say to him. It's you're at the point where
Speaker 5: obviously these things are not things that you can just
Speaker 5: return to the store. But I guess there's a conversation
Speaker 5: around okay, well are we selling the other ute and
Speaker 5: the other boat, like we don't need two of each,
Speaker 5: Like let's be practical, let's make some money back. And
Speaker 5: then I think the bigger conversation is around I think
Speaker 5: we've mentioned this before, but like setting your threshold for purchases.
Speaker 5: So if you share finances or share financial goals, I
Speaker 5: think having a number, and that number is going to
Speaker 5: look different for everyone. But for example, if I'm going
Speaker 5: to spend over one thousand dollars, you know I'm going
Speaker 5: to talk to my partner about it and be like, hey,
Speaker 5: like I want to do this. It's not necessarily asking
Speaker 5: for permission, but it's creating an opportunity to discuss how
Speaker 5: is this going to impact the things that we want
Speaker 5: to do, Because for example, taking out a load on
Speaker 5: a car, if you're going to want to move states
Speaker 5: or buy a house, that's going to impact your ability
Speaker 5: to do that. And so even if he's paying for
Speaker 5: that completely out of his own money, like, it still
Speaker 5: warrants a conversation. I think this applies on both sides.
Speaker 5: The same applies to her as well, Like it's an
Speaker 5: equal thing, or it should be across both partners that
Speaker 5: you're having conversations about these big things. And I don't
Speaker 5: think it needs to be any harder than that. And
Speaker 5: if he's a nice person and he loves you, he
Speaker 5: will hear you out. Is kind of my thoughts on that.
Speaker 3: I agree, I have two streams of conversation to have.
Speaker 3: So let's have the first conversation, and that's around shared
Speaker 3: financial goals. So I've done some maths, and as you
Speaker 3: guys know, I own a finance company, so my team
Speaker 3: actually finance cars all the time. Yes, it's not amazing debt,
Speaker 3: but I think we also are very on the same
Speaker 3: page about understanding that sometimes we just need to finance
Speaker 3: car Like your family's growing, you need a bigger car,
Speaker 3: or you need a ute like not in this particular situation,
Speaker 3: but you need a ute for work otherwise you can't work.
Speaker 2: Right.
Speaker 3: So we do a lot of car financing, and I'm
Speaker 3: going to give you a really good comparison that's going
Speaker 3: to make your eyes water in a hot second. But
Speaker 3: I just went with the standard, like you're paying every month,
Speaker 3: five year term ten dollars a month fees, which is
Speaker 3: pretty standard, but at nineteen percent, that means you're paying
Speaker 3: eleven hundred and seventy seven dollars a month. Can you
Speaker 3: imagine if you were saving for a home together, and
Speaker 3: now your partner has decided to take eleven hundred and
Speaker 3: seventy seven dollars from your shared goals and putting it
Speaker 3: towards a car loan, Like, that's not very Livlah laugh,
Speaker 3: That's not very prioritizing our financial goals.
Speaker 2: Like I would be personally to put it.
Speaker 3: Lightly off it if my husband came home and said,
Speaker 3: I've just signed up to a five year loan at
Speaker 3: nineteen percent.
Speaker 2: I haven't consulted you.
Speaker 3: It's going to mean that if we wanted to achieve
Speaker 3: any other financial goals, it's not going to happen. So
Speaker 3: eleven hundred and seventy seven dollars a month for a
Speaker 3: whole year, that's fourteen than one hundred and twenty four dollars.
Speaker 2: That's like someone's rent. It's not just someone's rent. It's
Speaker 2: like literally someone's rent. Like it's it's someone's rent.
Speaker 3: It is a year's worth of savings that is a
Speaker 3: whole lass, massive emergency fund. That is multiple holidays throughout
Speaker 3: the year that could be a holiday, and a new
Speaker 3: reasonably priced second hand car. That is school fees for
Speaker 3: an entire year of private school. Like we're trying to
Speaker 3: contextualize this a little bit because that is a lot.
Speaker 2: But I also did some further maths. So this is
Speaker 2: the second stream.
Speaker 3: So the first one was like, I can't believe someone
Speaker 3: is making and I would feel really upset if my
Speaker 3: husband was making big financial decisions that compromised my financial
Speaker 3: security into the.
Speaker 2: Future without me totally.
Speaker 3: Like if it was a joint decision and you both
Speaker 3: had sat down, you did your numbers, and you said, right, well,
Speaker 3: we're both on the same page. We both want this you,
Speaker 3: we both are happy with the terms of the arrangement.
Speaker 2: Who am I to judge?
Speaker 3: But right now you're telling me that your partner prioritized
Speaker 3: his wants over your shared goals. Yeah, and that's a
Speaker 3: bit thick if I'm being honest. On the flip side,
Speaker 3: I did the maths because nineteen percent is an incredibly
Speaker 3: high interest rate on car finance. That is what on average,
Speaker 3: I would say a credit card in Australia is So
Speaker 3: forty five thousand dollars at a nineteen percent interest rate
Speaker 3: over five years means that you're paying a total of
Speaker 3: seventy thousand, six hundred and thirty nine dollars for a
Speaker 3: forty five thousand dollar carp Yeah.
Speaker 2: Cook, oh my god, that sounds illegal.
Speaker 3: That means you are overpaying twenty five thousand, six hundred
Speaker 3: and thirty nine dollars for this car. And we know
Speaker 3: that the second so you went and bought this car
Speaker 3: brand new fantastic. You drove it off the lot, it
Speaker 3: already lost value, So you've already lost like thirty five
Speaker 3: I'd say thirty to thirty five thousand dollars by making
Speaker 3: this decision, because you can't sell that car for what
Speaker 3: you owe, nor can you sell that car for what
Speaker 3: it ultimately costs you over that five year time period.
Speaker 2: Are we saying that all car finance is bad? Absolutely?
Speaker 3: Not nineteen percent exorbitant. I would never let a client
Speaker 3: do that. So if you came to me and sayvia
Speaker 3: I want to I want a car loan, I would
Speaker 3: be like, probably not that one. We recently at Zella
Speaker 3: financed a car loan sixty thousand dollars car six point
Speaker 3: seven two percent, which, by the way, is what on
Speaker 3: average I would say home loans at the moment, we're
Speaker 3: getting them.
Speaker 2: For like six point two percent, so like not that
Speaker 2: much more than property.
Speaker 3: And I'm not saying that it's good, but I'm giving
Speaker 3: you a bit of context here. That means that every month.
Speaker 3: Context First, for the forty five thousand dollar ut that
Speaker 3: was costing them eleven hundred and seventy seven dollars per month,
Speaker 3: right for our clients at Zello who ended up, you know,
Speaker 3: getting car finance and really needing it for six point
Speaker 3: seven two percent. They were paying eleven hundred and ninety
Speaker 3: dollars a month for sixty thousand dollar car, right, and
Speaker 3: they were paying a total of seventy one thousand dollars
Speaker 3: over the life of the loan. So, yes, the loan
Speaker 3: would cost them about eleven thousand dollars, but it's not
Speaker 3: twenty five thousand, six hundred and thirty nine dollars.
Speaker 2: Yes, I see, like we're not.
Speaker 3: I feel like when we make these decisions, we'll go
Speaker 3: that's a bit of interest, whatever it makes my monthly
Speaker 3: payments a little bit more Like we've all been there,
Speaker 3: Like Beck, you and I have been in debt. Jess,
Speaker 3: you've been in debt as well, probably not as significantly
Speaker 3: as Beck and I.
Speaker 2: Thank God God. She's the smartest one of the kids'
Speaker 2: the smart one, and she will give that to her.
Speaker 2: She's also way better at baking.
Speaker 3: But that is crippling, and that mindset exists, right, Like
Speaker 3: I remember when I got my personal loan, I was like, whatever,
Speaker 3: it's a monthly payment. I'm happy to pay that monthly
Speaker 3: payment for this lifestyle or I'm happy to, you know,
Speaker 3: do that value exchange. But no one sat me down
Speaker 3: and said, well, this is actually what it costs. Like,
Speaker 3: does your partner no that that forty five thousand dollar
Speaker 3: car is actually costing him about seventy grand?
Speaker 2: Is he aware of that?
Speaker 3: Is he comfortable with that if I put that on paper?
Speaker 3: Is that a good financial decision? On the flip side,
Speaker 3: remember that client that I was telling you about sixty grand. Yeah,
Speaker 3: they're paying seventy one thousand dollars over the long term.
Speaker 3: That's actually a work vehicle, so they actually need that
Speaker 3: to generate an income, and they're very happy with the
Speaker 3: idea that over the next five years they'll pay about
Speaker 3: eleven thousand dollars to have access to that car. But
Speaker 3: that means that they're going to be able to generate
Speaker 3: a full time income. So they're like, oh, eleven grand,
Speaker 3: I'm probably paying about two and a half grand a
Speaker 3: year for the privilege of having a car loan And
Speaker 3: they're like, oh that, like it's a lot of money still,
Speaker 3: but two and a half thousand dollars year year that
Speaker 3: I'm happy to pay that in order to get the
Speaker 3: car now instead of saving for five years to be
Speaker 3: able to afford it, and I think that that's where
Speaker 3: we need to go.
Speaker 2: Back to it.
Speaker 3: That's a great point, like no one gives the context,
Speaker 3: and I guess that's where I shoot myself in the foot.
Speaker 2: And I won't say we lose clients.
Speaker 3: I think we gain clients, but then we don't make
Speaker 3: any money off them, because so many times people come
Speaker 3: to Zella and they say, oh, VI, we really want
Speaker 3: a car loan, and like we're happy to do them, Like,
Speaker 3: if that's in line with your values, Slay, I can
Speaker 3: organize that. But sometimes our brokers get involved and they're like,
Speaker 3: are you sure you want to do that just a
Speaker 3: car Do you want to just have a chat about that,
Speaker 3: because we kind of have our morals hat on as well,
Speaker 3: and we want to make sure that you're in the
Speaker 3: best possible position. But that tells me that he hasn't
Speaker 3: thought about the long term plan, because what logical person
Speaker 3: goes I impulse purchased forty five thousand dollar youth with
Speaker 3: nineteen percent finance, and I'm totally okay with that because
Speaker 3: me being me, you could have got better finance elsewhere.
Speaker 3: I'm as so that nineteen percent. I'm assuming it was
Speaker 3: like in dealer. So like you walked in on the
Speaker 3: lot and there was probably a finance person sitting in
Speaker 3: a desk over to the left, and you went, oh,
Speaker 3: I'd love to buy this car Beck. And then Beck says, oh,
Speaker 3: did you need finance for that? And I say yeah, yeah,
Speaker 3: Oh come over and just quickly say Jessica, she can
Speaker 3: sort you out. Jessica would have been like, okay, cool,
Speaker 3: So I can probably let you drive home with that today.
Speaker 2: So these are the terms and conditions.
Speaker 3: You're so excited you haven't even thought about the interest
Speaker 3: rate and they go, oh, look, it's usually a twenty
Speaker 3: two percent interest rate, but I'm going to cut that
Speaker 3: down to nineteen. And you go, that sounds like a
Speaker 3: good discount. No worries, You don't even think about it. Yeah,
Speaker 3: you signed straight up. That is how it happens often,
Speaker 3: and it's a slippery slope. But I context realized it
Speaker 3: a little bit for you.
Speaker 5: Now.
Speaker 2: I think everyone has the iic about it.
Speaker 6: Yeah.
Speaker 5: I think just take that information to him and have
Speaker 5: an open chat, because you're.
Speaker 3: I'm going to I'm going to email you my numbers
Speaker 3: and be like het, no worries, just show your partner
Speaker 3: this is because you can also potentially go back and
Speaker 3: work that out, or what you can do is talk
Speaker 3: to a finance professional and potentially have that car refinanced.
Speaker 3: So what that would mean is the finance amount and
Speaker 3: the amount owing would stay the same, which is okay
Speaker 3: because you still have the asset. But you go to
Speaker 3: somebody who can get your better car loan. We pay
Speaker 3: out the first one with the second loan, and then
Speaker 3: you pay off the second loan, which would hopefully be
Speaker 3: at a lower interest rate. If I'm being honest. You
Speaker 3: have whiddled down your options though, so you're not like
Speaker 3: on a completely level playing field with somebody who has
Speaker 3: a brand new car that they haven't driven off the
Speaker 3: lot yet. But it's probably a really good idea to
Speaker 3: get a second opinion and just put yourself in the
Speaker 3: best financial position. Don't even don't even get me started.
Speaker 2: On the boat sail away.
Speaker 3: Let's move on, because I I just want to, like,
Speaker 3: I love you so much.
Speaker 2: I want to shake your partners so hard and be like,
Speaker 2: what were you doing? What are you doing?
Speaker 5: I like it?
Speaker 3: You do you know what you can't, but you'd look
Speaker 3: so hot in a you think you you would.
Speaker 2: I agree, like I don't want to be that person,
Speaker 2: but I can't agree. But all right, move on. We
Speaker 2: have a DM. Do you guys want to get into that?
Speaker 5: Yes? Ampletely?
Speaker 3: All right, So here is the damn we received this week,
Speaker 3: Hay team. Every Christmas, my in laws insist on buying
Speaker 3: individual gifts for everyone, no matter how big the family
Speaker 3: has grown. They say it's part of the holiday magic.
Speaker 3: But for me, all that overspending, over consumption are a
Speaker 3: waste and really taking the magic away. Last year, I
Speaker 3: scrambled to buy thoughtful gifts for people I barely know,
Speaker 3: I overspend, and I still feel like it wasn't enough.
Speaker 3: I suggested we switch to Secret Santa to ease the stress,
Speaker 3: but they were not.
Speaker 2: Open to it.
Speaker 3: They think it would take the joy out of the season.
Speaker 3: But honestly, the pressure to keep up is doing that
Speaker 3: for me already. Is there a way to simplify things
Speaker 3: that still respect their traditions? I want Christmas to feel meaningful, overwhelming?
Speaker 5: Oh it's so hard, isn't excuse? I think everyone has
Speaker 5: their own perspectives and feelings on Christmas. Yeah, if you
Speaker 5: have two really strong different feelings, it's a hard thing
Speaker 5: to reconcile.
Speaker 3: I feel like I've seen this a lot. I've been
Speaker 3: having a lot of conversations with my dms recently about Christmas,
Speaker 3: and like, I suppose intergenerational wealth. So like the older generation,
Speaker 3: like the Boomers being like, no, but that's the Christmas magic.
Speaker 3: But they also have the disposable income to spend on that,
Speaker 3: and it's not painful for them to do that. Like
Speaker 3: they're like, no, of course I want to get Jessica
Speaker 3: a present. Of course, her new partner Beck is coming.
Speaker 3: I'm going to bring Beck a present. Like and you
Speaker 3: know what, that's so nice. Like the idea that gift
Speaker 3: giving is they love language and they want to allocate their.
Speaker 2: Resources to you guys.
Speaker 3: So nice, But they're not seeing it from the other
Speaker 3: perspective that when I receive one hundred dollars gift, there's
Speaker 3: that expectation to give one back. And if you're going
Speaker 3: into a situation where there's fourteen people coming to Christmas,
Speaker 3: is that actually reasonable to expect of everyone? Financially it's crazy.
Speaker 3: We're in the middle of the cost of living crisis.
Speaker 5: Yeah, it's sad that they didn't want to do because
Speaker 5: my normal suggestion would be like a secret Sanda, like
Speaker 5: that's the obvious choice, and.
Speaker 2: She's clearly trying to pitch you Already's.
Speaker 5: If me personally, if that was the case and I
Speaker 5: couldn't afford to do the gifts or like the stress
Speaker 5: of it or whatever, and I was like, oh, I
Speaker 5: need to give something, but like they're not meeting me
Speaker 5: at the table with the secret thing. I would probably
Speaker 5: do it, like bake something.
Speaker 2: Like I would.
Speaker 3: I would ask you to bake me something. Don't give
Speaker 3: me presents food serious food.
Speaker 5: Is you know, if you do a big batch of
Speaker 5: the same thing for everybody, it can be like reasonably
Speaker 5: affordable and you can still I think if you present
Speaker 5: it really beautifully. I'm thinking that these people sound kind
Speaker 5: of selfish and maybe they weren't appreciate it, but like.
Speaker 4: Yeah, that's the viow I get to if I was
Speaker 4: getting but I didn't want to say it so much.
Speaker 5: If that's the case, though, you're never going to be
Speaker 5: able to win, is my kind of thoughts. And so
Speaker 5: I think like, if like I think cook comes from
Speaker 5: a heart, you can dress it up really beautifully, like
Speaker 5: put it in beautiful packaging, maybe write out, you know,
Speaker 5: a recipe or pick a meaningful recipe it's a family
Speaker 5: recipe or my personal favorite, and I wanted to share
Speaker 5: it with you. You can, you know, give them a
Speaker 5: little tea towel or something if you want to add
Speaker 5: something to it. But I think baking is a really
Speaker 5: good gift to give to lots of people because you
Speaker 5: enjoy food, you share food. But I honestly my deep
Speaker 5: down feeling you're just not gonna win, and that kind
Speaker 5: of sucks. But like if they're gonna hold that against you,
Speaker 5: they're kind of shitty people.
Speaker 2: Yeah, totally.
Speaker 4: I was going to say too, like if you are
Speaker 4: just grappling with these particular people and everyone else is
Speaker 4: pretty chill, because I feel like this is not some
Speaker 4: completely alien concept. Like literally Christmas is stressful right now,
Speaker 4: I'm sitting here. I actually have anxiety about this conversation
Speaker 4: about how much money I'm going to have to spend
Speaker 4: over the next month. And so it's not a foreign concept,
Speaker 4: like people understand that. So this is the only one
Speaker 4: or two people that are are kind of like pushing
Speaker 4: back on this, maybe like talk to everyone else and
Speaker 4: just get those two people presents and be like for
Speaker 4: everyone else, let's all do a secret stander all. Let's
Speaker 4: all do nothing, because I'm sure if you're thinking it,
Speaker 4: other people are probably thinking I can't thought this either,
Speaker 4: like this is excessive, this is yet.
Speaker 2: Surely you're not the only one.
Speaker 3: Surely, And maybe this is just stereotyping, but I'm assuming
Speaker 3: it's coming from the matriarch in the family who's like
Speaker 3: running the Christmas stuff, and you will go to her
Speaker 3: hot like, I don't know, this is very stereotypical, but
Speaker 3: I feel like that's often the type of person that.
Speaker 2: Pushes that narrative.
Speaker 3: And I don't know how you would approach this because
Speaker 3: so many people have so many different ways, But I
Speaker 3: do believe they might have their blinkers on a bit
Speaker 3: and they're not seeing the world for the situation we
Speaker 3: are generally, and they're just seeing their situation and going
Speaker 3: but it's.
Speaker 2: Fine, and that's really nice.
Speaker 3: But maybe even contextualizing it and being like, hey, cool,
Speaker 3: like I've actually done the maths on this, and I've
Speaker 3: worked out that it all cost me fourteen hundred dollars
Speaker 3: just on gifts before I even come to Christmas, and
Speaker 3: that's just not financially viable for me. And seeing if
Speaker 3: that context helps, because often people will push back on
Speaker 3: you when they don't have a full comprehension of the situation,
Speaker 3: like if I've never been in your shoes back and
Speaker 3: I go, well.
Speaker 2: It's not that hard.
Speaker 3: It's like someone trying to explain their anxiety to you,
Speaker 3: Like I am someone that's not scared of spiders, like.
Speaker 2: I genuinely am not. I'm like, oh, hey, friend, you're
Speaker 2: big boy.
Speaker 3: Like when I see a huntsman, Jessicau would fly across
Speaker 3: the room, like she even smelled like she thinks there
Speaker 3: might be a spider. She's not going in that room.
Speaker 3: So like trying to explain that to somebody and going,
Speaker 3: but I'm fine with it.
Speaker 2: Why isn't Jessica fine with it?
Speaker 5: Yeah?
Speaker 3: Yeah, that's not fair. And the same thing exists around money.
Speaker 3: So I think we need to give somebody else the
Speaker 3: context because in this situation, let's pretend it's spiders. Just
Speaker 3: might go hey v my heart rate goes up significantly,
Speaker 3: I get anxious, I get sweaty hands, like it's I
Speaker 3: can't even think straight, Like it is so uncomfortable for
Speaker 3: me that I never want to be in that situation.
Speaker 3: For me, that's not my experience. But by being able
Speaker 3: to contextualize it, and see that.
Speaker 2: Oh well, that's just this experience. Farah. I'm going to
Speaker 2: step in and be like, all right, will you stay outside.
Speaker 2: I'm going to deal with the spider and I'll let
Speaker 2: you know when it's all done and gone. I can
Speaker 2: sympathize easy after you exactly.
Speaker 3: And I think that by giving people more context and going, hey, cool,
Speaker 3: I did the maths and it's fourteen hundred dollars for
Speaker 3: me just to come. If my partner is also buying gifts,
Speaker 3: that's now twenty eight hundred dollars across the whole family.
Speaker 3: We're spending thirty thousand dollars this year on presence, do
Speaker 3: you know what I mean? Like we could extrapolate that
Speaker 3: out and go that's insane, that's not in line with
Speaker 3: our values at all.
Speaker 2: Or on the flip.
Speaker 3: Side, this is probably a little bit more rogue. Hey,
Speaker 3: that's fantastic. We won't be participating. Could you just circulate?
Speaker 3: People don't have to buy for us, they can buy
Speaker 3: for absolutely everybody else. We know that by opting out
Speaker 3: of this, we're not going to receive any gifts, but
Speaker 3: we're also not going to give any gifts on the day.
Speaker 3: You know, Jess and I We're going to make a
Speaker 3: big batch of cookies and bring all of the food
Speaker 3: and the vibes like will be there. Yes, And in fact,
Speaker 3: our kids would love to do a little secret santas,
Speaker 3: so maybe we could do that in addition, are you interested?
Speaker 3: We could just get the kids in on that and
Speaker 3: still have something that aligns with their values.
Speaker 2: Right, no worries. You do your thing then.
Speaker 3: But I'm actually not going to be actively participating in
Speaker 3: that and see how that goes. And I think it's
Speaker 3: all about being as positive as possible during that Because
Speaker 3: these situations money Christmas emotions, everyone can start yelling really quickly,
Speaker 3: everyone can start typing in group chat in like capital letters,
Speaker 3: and I think that just by going okay, cool, like
Speaker 3: this is really this is pushing me to my limits.
Speaker 3: But I'm going to maintain kindness and I'm always going
Speaker 3: to try and approach every response with empathy. Hey, I
Speaker 3: can totally see where you're coming from, but unfortunately that
Speaker 3: doesn't align with what we are trying to work towards
Speaker 3: for Christmas. And like, as you know, the three of us,
Speaker 3: we kind of people please is like, I'm not the
Speaker 3: type of person that's like I'm sorry, Beck, I'm not
Speaker 3: doing that. I want to be like, oh, actually, that
Speaker 3: fourteen hundred dollars that we talk and this is just
Speaker 3: like the number f picked out of my head. We
Speaker 3: don't know if that's a number. This fourteen hundred dollars
Speaker 3: is actually going to go towards We're planning on taking
Speaker 3: the kids on a holiday later this year and with
Speaker 3: budget about twenty five hundred dollars, so between us, like,
Speaker 3: that's actually our holiday budget, you know.
Speaker 2: Makes sense?
Speaker 3: Ha ha, Like I think if you need to contextualize it,
Speaker 3: you can do that. But also, no, nobody deserves an explanation.
Speaker 5: You're like to say, no, you're a grown adult. Yeah,
Speaker 5: I totally forget that sometimes. Yeah, like genuinely, I'm like,
Speaker 5: oh no, it's an.
Speaker 2: Option and the other thing, Jess, no is a full sentence.
Speaker 2: That's true.
Speaker 4: I understand how uncomfortable it would be. One hundred percent
Speaker 4: of social prior or yeah, one hundred percent. But people
Speaker 4: are probably going to be you might be shocked. You
Speaker 4: might be on your side and be like, oh my god, yeah, I've.
Speaker 3: Been someone else's years, someone else's Itally we used to
Speaker 3: do that in our family and then I don't know
Speaker 3: who pitched it, but now we do Secret Santa, and
Speaker 3: that's actually really fun because the cap for us in
Speaker 3: our family is I think it's fifty dollars a present,
Speaker 3: but that's like our total Christmas budget for that side
Speaker 3: of the family, so that for us is quite reasonable.
Speaker 3: And then someone gets a good present, like we all
Speaker 3: walk away with a good fifty dollars present. On the
Speaker 3: flip side, I think I've told you guys this before.
Speaker 3: We do homemade, handmade, or second hand, yes, and so
Speaker 3: it has to be one of those three, and that
Speaker 3: becomes fun. It's like your like shitty Christmas where you
Speaker 3: kind of it's kind of like gammified, like what's the
Speaker 3: best if I can get secondhand on Facebook market place, which.
Speaker 5: Is really fun?
Speaker 3: Yeah, whateveryone else say Okay, So we had a lot
Speaker 3: of opinions. First one we said which one of you?
Speaker 3: Eighty five percent of you said we are team Secret Santa.
Speaker 3: Fifteen percent said we are team buy for everyone.
Speaker 2: Almost be nice, yes or stressful Now I'm not on
Speaker 2: the tea.
Speaker 3: We then asked how are you feeling about Christmas this year?
Speaker 3: Forty three percent of views said that you were feeling
Speaker 3: stressed about overspending.
Speaker 2: So Beck, when you said.
Speaker 3: I'm really already stressed about this, soo's most of our community,
Speaker 3: forty three percent agreed with you. They were like, Beck,
Speaker 3: we are also stressed, so ac company. Do you know what,
Speaker 3: Maybe our community are better at money than we are.
Speaker 3: Because forty six percent of you said I'm actually a
Speaker 3: Christmas budgeting queen.
Speaker 2: It's like, oh great, it's been nice.
Speaker 3: And eleven percent of you said I'm happy to blow
Speaker 3: the budget it's Christmas.
Speaker 2: Well, you know what you're allow. You're allowed.
Speaker 3: You can do whatever you want as long as it's
Speaker 3: in line with your values. Like Beck, if you said, well,
Speaker 3: I want to blow my budget every Christmas, I'll be like, okay,
Speaker 3: well if you thought about it, cool, Like, all I
Speaker 3: want you to do is think about it and make
Speaker 3: sure that it's not compromising your bigger financial goals. Maybe
Speaker 3: Christmas is like Jess, is Christmas crazy and we love that.
Speaker 3: Maybe that's like the biggest thing that you're budgeting for
Speaker 3: the entire year because you cannot wait for Christmas. Yeah,
Speaker 3: I'm not gonna yuck your yum, Like, I'm not going
Speaker 3: to stop you from doing something that's so aligned to
Speaker 3: your values.
Speaker 2: But isn't it cool that by going through.
Speaker 3: The steps on these conversations, we're getting clearer on our
Speaker 3: own values. You're probably thinking, oh, well, I do do
Speaker 3: that or don't do that, but you've probably never thought
Speaker 3: about it before. You just go through the motions every year.
Speaker 3: So we then said to the community, what is your
Speaker 3: two cents? One person said, this sounds like I could
Speaker 3: have written it. Keen to hear answers, it is so hard.
Speaker 3: Someone else said, ask if you can do thrift mess
Speaker 3: or put a twenty dollar spend limit on each person,
Speaker 3: or make gifts instead.
Speaker 5: Yeah.
Speaker 3: Yeah, we've got the cookie recipe for Jess's peak am
Speaker 3: Pire cookies in the show notes, so you're welcome.
Speaker 2: Someone else said, just by everyone the same book. Obviously
Speaker 2: she's on the money book.
Speaker 5: You imagine everyone going a cofee if she's the money.
Speaker 3: Cue, by everyone the same book to it. Then someone said,
Speaker 3: bonus points. If it's that she's on the money, you're
Speaker 3: an icon. Another person said, you need the problem person
Speaker 3: to think it's their ideas somehow.
Speaker 2: Ohha, clevera I like this. This is a little bit psychological.
Speaker 2: Maybe you could pull them aside and be like, we're
Speaker 2: in the middle of the cost of living crisis. I
Speaker 2: think it would take the pressure off everybody. Maybe you
Speaker 2: could pitch the idea's just see how it goes. Yeah,
Speaker 2: oh that is nifty. I wish I'd thought of that one.
Speaker 3: Someone else said, feeling like a grinch for having to
Speaker 3: give gifts for the sake of it?
Speaker 5: Yes, true, you shouldn't have to do something you don't
Speaker 5: want to do. Is what it like ultimately comes down
Speaker 5: to Someone else said, my mother in law was the same.
Speaker 5: It took two years of us suggesting and building support,
Speaker 5: but this is year one of only buying one gift.
Speaker 2: Great, I love this.
Speaker 3: Someone else said, give that mental load back to her partner.
Speaker 3: Her in law gifts should be her partner's responsibility.
Speaker 5: There you go, huh pot take yeah, di.
Speaker 3: Y something small I reckon, like your Christmas crack and
Speaker 3: wrap up some for everybody Instagram.
Speaker 5: We do.
Speaker 3: We'll link it in the show notes as well, because
Speaker 3: it's super easy. Just where the cookie is easy to make?
Speaker 3: Or are they like complicated?
Speaker 5: I would say mid like, they're not like a choc
Speaker 5: chip cookie because you have to make the peacan topping
Speaker 5: separate to the urine. But it's not No, like I
Speaker 5: can do it, and I maintain I'm not a particularly
Speaker 5: good cook, so like I think.
Speaker 2: It's what's the dishes?
Speaker 5: Nah, like two pans in the mixing bowl really, and
Speaker 5: and you're measuring cups and spoons, which I feel like
Speaker 5: is pretty standard.
Speaker 2: Yeah, that's yeah, we could do that. We could do
Speaker 2: that cooking.
Speaker 3: Being back, someone else said, I love gift giving, but
Speaker 3: I'm not offended if it's not reciprocated.
Speaker 2: Opt out, you queen. True.
Speaker 3: In fact, I find it really interesting this concept of
Speaker 3: gift giving. Like if I'm giving you a gift, it's
Speaker 3: not because I'm expecting something in return. I'm giving you
Speaker 3: a gift because I'm undred big you are going to
Speaker 3: love it.
Speaker 5: Yeah, it needs to be reciprocated equally to like I
Speaker 5: bought you a hundred doll year or you brought me
Speaker 5: one hundred all years.
Speaker 2: No, absolutely not. It's just it's love.
Speaker 5: Gift giving is meant to be.
Speaker 2: It's not your love language. That's so far exactly.
Speaker 4: Imagine we put that blanket rule over everything, like I'm
Speaker 4: going to go get your coffee, so therefore today you've
Speaker 4: got to do a good deed for me, you know
Speaker 4: what I mean. It's like No, you just like do
Speaker 4: nice things because you feel like you want to do
Speaker 4: a nice thing.
Speaker 3: Yeah, and yeah, if you are giving gifts in that way,
Speaker 3: this is probably really nasty. But that's okay. You were
Speaker 3: never giving the gift for that person to benefit. You
Speaker 3: were giving the gift to get something in return, and
Speaker 3: that's actually not gift giving.
Speaker 5: Hey.
Speaker 2: True.
Speaker 3: Yeah, So anyway, that is probably a negative place to
Speaker 3: leave it, So let me change it into a positive.
Speaker 3: I have a really great Christmas present suggestion, and that
Speaker 3: is my new book that came out a couple of
Speaker 3: weeks ago, The Business Bible hit Shelves, which is so
Speaker 3: exciting because I feel like I probably haven't promoed this enough.
Speaker 3: It's not just for like building ashes on the money
Speaker 3: size business. It's for side hustlers and earning some extra
Speaker 3: income on the side and managing that properly. And I
Speaker 3: think that there's for a very long time been this
Speaker 3: massive misconception that if you start a side hustle, you
Speaker 3: need to scale it to become your full time income. Like, Jess,
Speaker 3: how many times have you been asked, Oh, you have
Speaker 3: a side hustle, when are you going to be a
Speaker 3: full time influencer? And I think that we need to
Speaker 3: decipher that and champion the teeny tiny micro businesses because
Speaker 3: you need the same structure, like Jess, you still have
Speaker 3: to do the same tax return as a big business, but.
Speaker 2: You don't get the advice.
Speaker 3: So it's from small micro businesses to changing into a
Speaker 3: company for the first time, to taking your first million,
Speaker 3: to taking your first eight figures. And I think that
Speaker 3: it's a scalable book. That's also really fun because that's
Speaker 3: full of business diaries. So from all of my favorite
Speaker 3: business owners around Australia, they've come together and been like, oh,
Speaker 3: this is what I struggled with.
Speaker 2: This was really hard.
Speaker 3: I still what I'm doing and that was my favorite part. Anyway,
Speaker 3: that would be a very good Christmas present.
Speaker 5: And it's probably on sale right now.
Speaker 3: We'll link it in the show notes as well, because honestly,
Speaker 3: if you're buying my books not using a discount code
Speaker 3: or a sale, are you even a proper She's on
Speaker 3: the Money member. We support you all right, Thank you
Speaker 3: so much.
Speaker 2: It has been a pleasure. Where we will see you,
Speaker 2: guys bright nearly on Monday for a money diary. Bye guys, say.
Speaker 3: The advice shared on She's on the Money is general
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