1 00:00:00,680 --> 00:00:04,600 Speaker 1: Hello, my name is Santasha Nabananga Bamblet. I'm a proud 2 00:00:04,840 --> 00:00:08,639 Speaker 1: Order Order Kerney Whoalbury and a waddery woman. And before 3 00:00:08,680 --> 00:00:11,160 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,319 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:17,759 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,240 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,320 --> 00:00:26,960 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,080 --> 00:00:30,120 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,240 --> 00:00:33,080 Speaker 1: today and lasting impactful tomorrow. 10 00:00:33,320 --> 00:00:36,680 Speaker 2: Let's get into it. She's on the Money, She's on 11 00:00:36,720 --> 00:00:59,960 Speaker 2: the Money. Hello, and welcome to She's on the Money, 12 00:01:00,080 --> 00:01:04,120 Speaker 2: the podcast for millennials who want financial freedom. Today, my friends, 13 00:01:04,200 --> 00:01:08,319 Speaker 2: is Beck's birthday. Who It's also Friday, but that means 14 00:01:08,360 --> 00:01:10,760 Speaker 2: it is time to get our little team together and 15 00:01:10,840 --> 00:01:15,120 Speaker 2: celebrate you, Beck and our incredible She's on the Money community. 16 00:01:15,319 --> 00:01:17,520 Speaker 2: Today is just goody. She's going to be sharing some 17 00:01:17,760 --> 00:01:21,120 Speaker 2: of our favorite money wins, Miss Birthday becks Ed is 18 00:01:21,160 --> 00:01:25,160 Speaker 2: going to be sharing her best broke tips, and we're 19 00:01:25,160 --> 00:01:27,280 Speaker 2: going to be helping to answer a juicy money dilemma, 20 00:01:27,319 --> 00:01:30,560 Speaker 2: which this week is all about budgeting around a complicated lifestyle, 21 00:01:30,680 --> 00:01:33,080 Speaker 2: and we're gonna unpack something that you slid into our 22 00:01:33,200 --> 00:01:37,320 Speaker 2: DMS about this week. We're talking about sharing points with friends, 23 00:01:37,680 --> 00:01:41,039 Speaker 2: which Beck offline seemed very excited to talk about. Is 24 00:01:41,040 --> 00:01:43,119 Speaker 2: that right? Like why are you so excited about that? 25 00:01:43,120 --> 00:01:46,480 Speaker 3: This seems so like like wow, what do you do? 26 00:01:46,959 --> 00:01:48,160 Speaker 2: Like how does that work? 27 00:01:48,480 --> 00:01:49,560 Speaker 3: How does this all work? 28 00:01:49,680 --> 00:01:50,320 Speaker 2: I love it. 29 00:01:50,400 --> 00:01:52,000 Speaker 3: I'm excited, like I won't go into it too much. 30 00:01:52,040 --> 00:01:54,640 Speaker 2: Okay, okay, we'll get there. But first things first are 31 00:01:54,960 --> 00:01:57,520 Speaker 2: happy Birthday and tells your day and week. 32 00:01:57,640 --> 00:01:58,960 Speaker 4: Then thank you so much. 33 00:01:59,160 --> 00:02:02,640 Speaker 3: I feel so I love, love, love my birthday. I 34 00:02:02,720 --> 00:02:05,680 Speaker 3: try and extend it for as long as possible. House 35 00:02:05,720 --> 00:02:07,840 Speaker 3: party on Saturday was beautiful. All my friends were around, 36 00:02:07,840 --> 00:02:09,840 Speaker 3: and I just felt so loved. All my buckets were full. 37 00:02:10,240 --> 00:02:14,440 Speaker 3: Today's the day, the day day. But it won't end 38 00:02:14,480 --> 00:02:15,360 Speaker 3: there because I'm going to. 39 00:02:15,840 --> 00:02:19,480 Speaker 2: This episode comes out on Friday, so like people are 40 00:02:19,520 --> 00:02:21,920 Speaker 2: going to be wishing you a happy birthday literally at 41 00:02:21,919 --> 00:02:22,720 Speaker 2: the end of the week. 42 00:02:22,880 --> 00:02:26,440 Speaker 3: Exactly, how good, exactly I've got plans all the end 43 00:02:26,480 --> 00:02:29,200 Speaker 3: of August. I love it. I'm just having the best time. 44 00:02:29,200 --> 00:02:32,440 Speaker 2: It's a genius. I love this someone who also loves 45 00:02:32,440 --> 00:02:36,840 Speaker 2: a birthday week. Mister gretchy week, bean Goo ahead. 46 00:02:36,919 --> 00:02:40,080 Speaker 4: I haven't done anything very exciting. I've just been sitting 47 00:02:40,080 --> 00:02:41,880 Speaker 4: at home working on my craft. 48 00:02:43,160 --> 00:02:44,920 Speaker 2: I've been working on my craft. 49 00:02:45,240 --> 00:02:47,440 Speaker 4: It's been like very except today it's been quite rainy 50 00:02:47,440 --> 00:02:48,919 Speaker 4: and cold, so I feel like it's perfect weather to 51 00:02:48,960 --> 00:02:50,320 Speaker 4: sit inside and do something crazy. 52 00:02:50,440 --> 00:02:52,080 Speaker 2: It's so cute craft. 53 00:02:52,440 --> 00:02:54,000 Speaker 4: Have you been ready through? 54 00:02:54,080 --> 00:02:54,960 Speaker 2: All right? I'm ready. 55 00:02:55,040 --> 00:02:56,760 Speaker 4: It's like done the thing where I've started. I got 56 00:02:56,800 --> 00:02:59,519 Speaker 4: really excited about many things, and now I have many 57 00:02:59,600 --> 00:03:02,440 Speaker 4: half do things. So I bought a bunch of vintage stamps, 58 00:03:02,480 --> 00:03:03,480 Speaker 4: just like randomly to store. 59 00:03:03,560 --> 00:03:05,480 Speaker 2: I saw that and I was confused. 60 00:03:05,680 --> 00:03:07,560 Speaker 4: Yeah, I'm turning them into a phone case, which is 61 00:03:07,639 --> 00:03:10,920 Speaker 4: very fun. Oh okay, I'm collecting vintage stamps from countries 62 00:03:10,960 --> 00:03:12,799 Speaker 4: that i've been So I bought like this big bulk 63 00:03:12,800 --> 00:03:14,000 Speaker 4: a lot of stamps because they were really pretty and 64 00:03:14,000 --> 00:03:14,519 Speaker 4: they were so cheap. 65 00:03:14,520 --> 00:03:15,560 Speaker 2: How many stamps did you get? 66 00:03:15,560 --> 00:03:17,200 Speaker 4: I think I got like two hundred or something like 67 00:03:17,200 --> 00:03:18,120 Speaker 4: four dollars, and I. 68 00:03:18,080 --> 00:03:20,840 Speaker 2: Just that's a good deal. You can't use them though, 69 00:03:20,919 --> 00:03:21,920 Speaker 2: you know that, right. 70 00:03:22,160 --> 00:03:23,640 Speaker 4: But I just thought they were very pretty and there 71 00:03:23,680 --> 00:03:25,840 Speaker 4: was something about them that appealed, So I'm toying with 72 00:03:25,840 --> 00:03:28,040 Speaker 4: the idea of either doing like all blue because I 73 00:03:28,080 --> 00:03:32,560 Speaker 4: sorted them all by color. That's very that's very yes, 74 00:03:33,080 --> 00:03:35,400 Speaker 4: So like I could do like all blue stamps, or 75 00:03:35,440 --> 00:03:37,840 Speaker 4: like I was digging through seeing like what countries because 76 00:03:37,840 --> 00:03:39,600 Speaker 4: they're from all over the world, and I found a 77 00:03:39,600 --> 00:03:41,160 Speaker 4: lot from countries I've been to, So I was like, 78 00:03:41,160 --> 00:03:44,080 Speaker 4: maybe it could be like suitcase stickers, make a phone 79 00:03:44,080 --> 00:03:46,840 Speaker 4: case with like stamps from vintage stamps from countries, so 80 00:03:46,880 --> 00:03:48,160 Speaker 4: that doing that's right. 81 00:03:48,080 --> 00:03:50,240 Speaker 2: And then could make a kindle case because you have 82 00:03:50,320 --> 00:03:51,560 Speaker 2: so many it's so cute. 83 00:03:51,680 --> 00:03:53,560 Speaker 4: Well, funny you mentioned the kindle I bought a bunch 84 00:03:53,560 --> 00:03:57,640 Speaker 4: of new kindlestickers, so you did freshing the kindle case. 85 00:03:57,840 --> 00:04:01,200 Speaker 4: And then when I was doing sewing of I'm working 86 00:04:01,240 --> 00:04:05,200 Speaker 4: on my new favorite hobby. I'm sewing a quilted tote. Okay, 87 00:04:05,280 --> 00:04:07,680 Speaker 4: I love this. I've quilted it so far. It's not 88 00:04:07,760 --> 00:04:10,080 Speaker 4: shaped like a cute it is really cute, and I 89 00:04:10,120 --> 00:04:12,880 Speaker 4: love feasted the fabric, so if I cook it, it's 90 00:04:12,880 --> 00:04:15,280 Speaker 4: not too bad. It's because fabrics expensive, so it was 91 00:04:15,280 --> 00:04:16,320 Speaker 4: like four dollars or something. 92 00:04:16,440 --> 00:04:18,719 Speaker 2: Okay, but that's not the point, it's cute, it's she 93 00:04:19,040 --> 00:04:19,600 Speaker 2: it's fun. 94 00:04:19,760 --> 00:04:22,279 Speaker 4: So we'll see how that goes. And then lastly I 95 00:04:22,360 --> 00:04:25,560 Speaker 4: realized I was doing the little screen, medium screen, big 96 00:04:25,560 --> 00:04:27,479 Speaker 4: screen at night, like I was watching TV and I 97 00:04:27,480 --> 00:04:29,600 Speaker 4: have my laptop open and I was on my phone, 98 00:04:29,600 --> 00:04:30,080 Speaker 4: and I was. 99 00:04:30,040 --> 00:04:31,480 Speaker 3: Like, she's actually work screen. 100 00:04:32,080 --> 00:04:35,400 Speaker 4: That is awes. So I bought a little crocheky and 101 00:04:35,400 --> 00:04:37,480 Speaker 4: I'm trying to crochet a bag at like walle So 102 00:04:37,520 --> 00:04:40,520 Speaker 4: I watch TV and crochet so my hands are busy. 103 00:04:40,640 --> 00:04:41,760 Speaker 3: That's really really cute. 104 00:04:41,839 --> 00:04:45,080 Speaker 2: That's actually so wholesome. That is so yes many a 105 00:04:45,160 --> 00:04:51,680 Speaker 2: craft yes question. When you were a kid and someone 106 00:04:51,720 --> 00:04:54,080 Speaker 2: gave you, like a box of Smarties, did you sort 107 00:04:54,120 --> 00:04:56,719 Speaker 2: them my color and then eat colors in isolation? 108 00:04:56,880 --> 00:05:01,040 Speaker 4: Absolutely taste better than others. They taste all the same, 109 00:05:01,080 --> 00:05:03,560 Speaker 4: but the brown Eminem's taste the best. At double chocolate, 110 00:05:04,040 --> 00:05:08,719 Speaker 4: that's what you are. I always not be argued with. 111 00:05:09,040 --> 00:05:12,760 Speaker 3: The red tasted better and also doubles. What's that red steel? 112 00:05:13,520 --> 00:05:20,760 Speaker 2: It also doubles? Is that you're broke to that's an 113 00:05:20,760 --> 00:05:24,799 Speaker 2: incredible Yeah, just your smartest it's like made out of beetles. 114 00:05:25,000 --> 00:05:27,240 Speaker 4: I don't want to think about it. 115 00:05:27,760 --> 00:05:30,599 Speaker 2: Yeah, no one out of ten. I am, well, I 116 00:05:30,600 --> 00:05:33,159 Speaker 2: think I told you last week that Steve decided to 117 00:05:33,320 --> 00:05:37,520 Speaker 2: injure himself at soccer, so that wasn't really that fun. 118 00:05:37,880 --> 00:05:40,560 Speaker 2: I think I mentioned it, But two broken ribs, are 119 00:05:40,560 --> 00:05:43,520 Speaker 2: punctured lung, a broken scapular, and a whole heap of 120 00:05:43,520 --> 00:05:47,200 Speaker 2: other stuff like separated a sea joint, like significant stuff. 121 00:05:47,320 --> 00:05:49,920 Speaker 2: I've been his care this week, which has been really fun, 122 00:05:49,960 --> 00:05:53,479 Speaker 2: because it turns out having a four month old and 123 00:05:53,720 --> 00:05:56,120 Speaker 2: a husband who can't pick up your four month old 124 00:05:56,240 --> 00:06:00,880 Speaker 2: is actually not that fun in theory. Maybe you thought 125 00:06:00,880 --> 00:06:01,440 Speaker 2: it would be. 126 00:06:01,680 --> 00:06:03,960 Speaker 4: Now you're double caretaking, you've got two children. 127 00:06:04,480 --> 00:06:08,600 Speaker 2: Fun, but for everyone, so that's been really I won't 128 00:06:08,600 --> 00:06:10,839 Speaker 2: say fun, it's just kept me really busy, and like 129 00:06:11,000 --> 00:06:13,640 Speaker 2: in between that and work and like obviously we've spoken 130 00:06:13,680 --> 00:06:16,560 Speaker 2: about this, Steve was the primary parent and I was 131 00:06:16,600 --> 00:06:18,560 Speaker 2: back at work, so that's definitely put a spanner in 132 00:06:18,600 --> 00:06:21,479 Speaker 2: the works. Just I don't have time for crafts right now, 133 00:06:21,760 --> 00:06:26,560 Speaker 2: although I did fall victim to the algorithm again and 134 00:06:27,000 --> 00:06:29,200 Speaker 2: I'm surprised I didn't send this to you, But there 135 00:06:29,240 --> 00:06:32,360 Speaker 2: is this company in the US that does crochet kids 136 00:06:32,400 --> 00:06:35,640 Speaker 2: of mini characters, and they send you everything you need 137 00:06:35,920 --> 00:06:38,599 Speaker 2: to learn to crochet, and I have ordered a baby 138 00:06:38,640 --> 00:06:42,839 Speaker 2: dinosaur so that I can learn to crochet. And I 139 00:06:42,880 --> 00:06:44,839 Speaker 2: need to send it to you because I just I 140 00:06:44,880 --> 00:06:46,559 Speaker 2: saw it and I was like, this is so Jess, 141 00:06:46,600 --> 00:06:48,320 Speaker 2: and then I think I got wrapped up in purchasing 142 00:06:48,360 --> 00:06:49,640 Speaker 2: it that I forgot to send it to you. 143 00:06:49,839 --> 00:06:52,080 Speaker 4: I want to crochet, you know, the sad Mouse. That's 144 00:06:52,120 --> 00:06:54,279 Speaker 4: my assa like picture. No, the sad Hamster. 145 00:06:54,480 --> 00:06:56,719 Speaker 2: Yeah, the sad Hamster with their little. 146 00:06:56,560 --> 00:06:58,680 Speaker 4: The meme where it would be like I'm just a 147 00:06:58,720 --> 00:07:02,080 Speaker 4: girl mirror and I was like the violin music of 148 00:07:02,200 --> 00:07:04,960 Speaker 4: this hamster, like and people were making them look like themselves. 149 00:07:05,000 --> 00:07:06,320 Speaker 4: So my slack picture fame. 150 00:07:07,960 --> 00:07:10,680 Speaker 2: Because you choose to work from home, which you know 151 00:07:10,800 --> 00:07:13,080 Speaker 2: everyone in our team has the option. We actually do 152 00:07:13,200 --> 00:07:16,000 Speaker 2: have an office and all the Zella girls they have 153 00:07:16,160 --> 00:07:18,480 Speaker 2: those as key rings. You know, yeah, you'd be that's 154 00:07:18,520 --> 00:07:20,320 Speaker 2: so jealous. I walked in and it was like is 155 00:07:20,400 --> 00:07:23,000 Speaker 2: Jesse yah And they were like no, I would just 156 00:07:23,040 --> 00:07:24,920 Speaker 2: be here and I was like, just looks like, Jess, 157 00:07:24,920 --> 00:07:25,640 Speaker 2: it's been here. 158 00:07:26,240 --> 00:07:28,720 Speaker 4: I saw people crocheting the Sad Hamster, So that will 159 00:07:28,720 --> 00:07:29,680 Speaker 4: be a project at some point. 160 00:07:29,880 --> 00:07:34,040 Speaker 2: You No, I do not put that on me. If 161 00:07:34,080 --> 00:07:36,600 Speaker 2: you want to help learning how to use your sewing machine, 162 00:07:36,720 --> 00:07:40,360 Speaker 2: I'm your girl crocheting. I still am pretty certain I'm 163 00:07:40,400 --> 00:07:42,800 Speaker 2: going to throw that out the window real quick. But 164 00:07:42,920 --> 00:07:45,240 Speaker 2: let's get into the crux of the show, and it's 165 00:07:45,320 --> 00:07:47,480 Speaker 2: just Gricci. This week, you've been saying that there have 166 00:07:47,560 --> 00:07:50,200 Speaker 2: been some pretty good money wins. Yes, what if people 167 00:07:50,240 --> 00:07:51,120 Speaker 2: brought to the table. 168 00:07:51,240 --> 00:07:53,120 Speaker 4: Firstly, I've got a money win from Meg, who said 169 00:07:53,160 --> 00:07:55,400 Speaker 4: she made a few purchases on deep hop. She had 170 00:07:55,440 --> 00:07:57,920 Speaker 4: some great quality items at a bargain price. We love 171 00:07:57,960 --> 00:07:59,800 Speaker 4: a secondhand cluthing purchase. 172 00:08:00,480 --> 00:08:04,280 Speaker 2: I bought a dress online did Scanlon Theodore d Pop. 173 00:08:04,560 --> 00:08:06,520 Speaker 2: But I messaged her a couple of weeks ago and 174 00:08:06,560 --> 00:08:08,320 Speaker 2: said would you take X for it because it was 175 00:08:08,360 --> 00:08:12,080 Speaker 2: a bit expensive, and she said no, and then it 176 00:08:12,080 --> 00:08:14,440 Speaker 2: didn't sell. It didn't sell, so I was like I'm 177 00:08:14,600 --> 00:08:16,360 Speaker 2: still open and she said yeah, let's do it and 178 00:08:16,360 --> 00:08:17,880 Speaker 2: I was like yes, sorry wins. 179 00:08:18,200 --> 00:08:20,680 Speaker 4: See that's the best feeling when you just wait and 180 00:08:20,760 --> 00:08:23,280 Speaker 4: wait and the universe says okay, haven't Yeah. 181 00:08:23,560 --> 00:08:25,560 Speaker 2: Mo was like originally I was like, I'm not paying 182 00:08:25,600 --> 00:08:28,200 Speaker 2: that for that. Like I do like the dress, but 183 00:08:28,320 --> 00:08:31,080 Speaker 2: like I don't need the dress and then she made 184 00:08:31,160 --> 00:08:33,000 Speaker 2: me need the dress, so that was nice. 185 00:08:33,280 --> 00:08:35,880 Speaker 4: Love that for you. Well done to both of you. Next, 186 00:08:35,880 --> 00:08:38,000 Speaker 4: I've got a money win from kallany. I hope that 187 00:08:38,000 --> 00:08:40,600 Speaker 4: I'm saying that correctly. She said that she switched her 188 00:08:40,640 --> 00:08:43,720 Speaker 4: Netflix plan from Premium, which is twenty six bucks a month, 189 00:08:43,800 --> 00:08:46,240 Speaker 4: to standard with ads, which is only eight, because she 190 00:08:46,280 --> 00:08:49,080 Speaker 4: figured she's not really watching Netflix that much except for 191 00:08:49,080 --> 00:08:51,720 Speaker 4: on the weekends. The standard plan with ads is apparently 192 00:08:51,800 --> 00:08:54,959 Speaker 4: not too bad. It's barely one or two adds per episode, 193 00:08:55,080 --> 00:08:57,280 Speaker 4: and she's now saving herself almost twenty bucks. 194 00:08:57,400 --> 00:08:59,800 Speaker 2: That's something you should do because you're not even focusing 195 00:08:59,840 --> 00:09:03,240 Speaker 2: on Netflix. Literally, I'm just sitting I feel like an 196 00:09:03,280 --> 00:09:04,800 Speaker 2: ad you need ads. 197 00:09:05,480 --> 00:09:07,439 Speaker 4: And I was like, I actually should do that. 198 00:09:07,440 --> 00:09:10,920 Speaker 2: That's really so be for real? Did you just say 199 00:09:10,920 --> 00:09:14,320 Speaker 2: that a Netflix subscription is now twenty six dollars? In 200 00:09:14,400 --> 00:09:18,280 Speaker 2: my head? Netflix eight? Okay, so about the same. Yeah, 201 00:09:18,720 --> 00:09:22,240 Speaker 2: what do you mean twenty six dollars with some ads. 202 00:09:22,440 --> 00:09:24,679 Speaker 4: We don't scam off our friends. 203 00:09:25,720 --> 00:09:27,600 Speaker 2: They don't let you anymore, but you still have my 204 00:09:27,640 --> 00:09:28,360 Speaker 2: Disney logan. 205 00:09:28,440 --> 00:09:30,679 Speaker 4: I was gonna say, I definitely do not do any 206 00:09:30,720 --> 00:09:32,200 Speaker 4: illegal password sharing. 207 00:09:32,600 --> 00:09:35,560 Speaker 2: No, we would never moving on. 208 00:09:35,880 --> 00:09:38,000 Speaker 4: Yeah, absolutely, quick, quick, quick. Next, I've got a money 209 00:09:38,040 --> 00:09:41,040 Speaker 4: in from Rainer, who said she loves click and collect 210 00:09:41,040 --> 00:09:44,280 Speaker 4: from Wally's. One time she ordered one tomato and one 211 00:09:44,320 --> 00:09:46,840 Speaker 4: bunch of broccolick because that's all she needed. She unpacked it, 212 00:09:46,920 --> 00:09:49,400 Speaker 4: she had five tomatoes and two bunches of broccoli. 213 00:09:49,880 --> 00:09:53,080 Speaker 2: Then someone was like, you deserve this. Literally. 214 00:09:53,280 --> 00:09:56,000 Speaker 4: She ordered bacon and ham for lunches last week and 215 00:09:56,040 --> 00:09:58,280 Speaker 4: she says she doesn't know what happened, but they doubled it. 216 00:09:58,360 --> 00:10:00,320 Speaker 4: She's only paid for one. They'd give it her as 217 00:10:00,360 --> 00:10:03,280 Speaker 4: much as what she ordered. She said, money wins, click 218 00:10:03,280 --> 00:10:04,839 Speaker 4: collect is the way to go, oh my. 219 00:10:04,800 --> 00:10:07,679 Speaker 2: God, you're doing this. Yes? Can I also add in 220 00:10:07,800 --> 00:10:09,760 Speaker 2: a little bit of my own money win because it 221 00:10:09,880 --> 00:10:12,160 Speaker 2: like is writing on the coattails of hers. Now, you 222 00:10:12,200 --> 00:10:17,760 Speaker 2: would think that ordering groceries on uber eats, that's ridiculous, right, like, 223 00:10:17,800 --> 00:10:19,880 Speaker 2: why would you do that? But I got a notification 224 00:10:19,960 --> 00:10:22,520 Speaker 2: the other day and it said get twenty dollars off 225 00:10:22,600 --> 00:10:25,240 Speaker 2: groceries on Uber Eats, and I was like, okay, I'll 226 00:10:25,280 --> 00:10:27,800 Speaker 2: have a look, I'll click like I love saving money, 227 00:10:28,080 --> 00:10:30,360 Speaker 2: and it was twenty dollars off when you spend more 228 00:10:30,400 --> 00:10:34,440 Speaker 2: than forty five dollars, and so it cost me way 229 00:10:34,520 --> 00:10:37,280 Speaker 2: less to buy all of Harvey's formula. I bought two 230 00:10:37,320 --> 00:10:40,199 Speaker 2: tins of formula, got twenty dollars off, and it got 231 00:10:40,240 --> 00:10:43,079 Speaker 2: delivered and it was basically like free delivery as well. 232 00:10:43,360 --> 00:10:44,200 Speaker 4: Oh that's so good. 233 00:10:44,320 --> 00:10:45,280 Speaker 2: Is that not a money win? 234 00:10:45,440 --> 00:10:46,040 Speaker 3: Yeah? 235 00:10:46,120 --> 00:10:48,200 Speaker 2: Formula is so expensive too, and. 236 00:10:48,200 --> 00:10:50,640 Speaker 4: I feel like it probably doesn't go on sale that often, right. 237 00:10:50,600 --> 00:10:52,719 Speaker 2: Not that I've noticed. Yeah, I mean I've only been 238 00:10:52,760 --> 00:10:55,280 Speaker 2: here for a short period of time, and in that time, 239 00:10:55,320 --> 00:10:57,880 Speaker 2: I've realized it's obnoxious. 240 00:10:58,320 --> 00:11:00,760 Speaker 4: Right, I love that. Well done. Next, I've got money 241 00:11:00,760 --> 00:11:03,080 Speaker 4: in from Jewels, who said she received her monthly power 242 00:11:03,080 --> 00:11:05,559 Speaker 4: bill for one hundred and ninety dollars, which seemed higher 243 00:11:05,600 --> 00:11:08,559 Speaker 4: than her bills normally are. She scrolled through the document 244 00:11:08,600 --> 00:11:10,800 Speaker 4: and she noticed that it was an estimated figure, so 245 00:11:10,840 --> 00:11:13,360 Speaker 4: she checked her own meter, and turns out, once she 246 00:11:13,480 --> 00:11:16,440 Speaker 4: submitted the correct reading to her company, it was actually 247 00:11:16,440 --> 00:11:17,720 Speaker 4: only one hundred and fifty dollars. 248 00:11:17,840 --> 00:11:20,560 Speaker 2: Okay, that is something we all should be doing. Yeah, 249 00:11:20,679 --> 00:11:22,880 Speaker 2: you can check the meta, you can take a photo 250 00:11:22,920 --> 00:11:25,040 Speaker 2: of it, you can send it in and they will 251 00:11:25,040 --> 00:11:25,680 Speaker 2: honor it. 252 00:11:25,720 --> 00:11:27,640 Speaker 4: So what you got to check your own meter? They 253 00:11:27,640 --> 00:11:30,080 Speaker 4: don't send someone out. They do it usually once a quarter, 254 00:11:30,360 --> 00:11:34,240 Speaker 4: and so that's ther fsh market. Yeah, I see, Okay, 255 00:11:34,400 --> 00:11:35,640 Speaker 4: why they digitize that. 256 00:11:35,559 --> 00:11:36,720 Speaker 3: Now, I don't know why they don't. 257 00:11:36,520 --> 00:11:39,520 Speaker 2: Like because I don't know how you digitize the meters. Honestly, 258 00:11:39,559 --> 00:11:42,000 Speaker 2: they have those little ticking numbers, and I've always been like, 259 00:11:42,480 --> 00:11:44,400 Speaker 2: what if I maxed out the ticking number and then 260 00:11:44,400 --> 00:11:49,360 Speaker 2: I start again? Used one like the odometer on your car, 261 00:11:49,440 --> 00:11:52,000 Speaker 2: like once you've reached a million kilometers, Yes, your car's 262 00:11:52,000 --> 00:11:52,360 Speaker 2: brand new. 263 00:11:54,200 --> 00:11:58,240 Speaker 4: Life hack. Last, we've got money in this week from 264 00:11:58,320 --> 00:12:00,599 Speaker 4: Aaron who said her textbook from UNI was going to 265 00:12:00,679 --> 00:12:02,480 Speaker 4: cost her almost two hundred bucks. 266 00:12:02,480 --> 00:12:06,079 Speaker 2: Past obnoxious. I don't miss those days. 267 00:12:06,160 --> 00:12:09,160 Speaker 4: That is daylight robbery. I'm so sorry. She found a 268 00:12:09,160 --> 00:12:11,400 Speaker 4: copy that on Facebook Marketplace was brand new and she 269 00:12:11,440 --> 00:12:12,640 Speaker 4: got it for thirty bucks. 270 00:12:12,840 --> 00:12:15,560 Speaker 2: Oh do you know what? I wish Facebook, market Place 271 00:12:15,600 --> 00:12:18,960 Speaker 2: and deepop existed. When I had to buy my university textbooks, 272 00:12:19,040 --> 00:12:22,080 Speaker 2: getting them secondhand was incredibly hard. You'd have to like 273 00:12:22,520 --> 00:12:25,480 Speaker 2: go to the library or like the secondhand shop at 274 00:12:25,480 --> 00:12:28,080 Speaker 2: the UNI, and like everybody else had already done that, 275 00:12:28,160 --> 00:12:29,280 Speaker 2: so there was nothing there. 276 00:12:29,480 --> 00:12:29,760 Speaker 5: Yeah. 277 00:12:30,040 --> 00:12:30,720 Speaker 1: Oh well. 278 00:12:30,760 --> 00:12:33,200 Speaker 4: Some are also commented right under Aaron and said a 279 00:12:33,200 --> 00:12:36,280 Speaker 4: lot of unis now have a textbook exchange or their like. 280 00:12:36,400 --> 00:12:39,360 Speaker 4: Student portals will often have like boards or Facebook groups 281 00:12:39,400 --> 00:12:41,360 Speaker 4: where people are looking, you know, to on sell their 282 00:12:41,440 --> 00:12:41,839 Speaker 4: last year. 283 00:12:42,040 --> 00:12:45,200 Speaker 2: Isn't it good to live in twenty twenty five Fife? 284 00:12:45,360 --> 00:12:45,880 Speaker 1: Being here? 285 00:12:46,400 --> 00:12:47,240 Speaker 2: It's so good? 286 00:12:47,480 --> 00:12:49,680 Speaker 3: On the flip side, maybe we're only here because the 287 00:12:49,720 --> 00:12:53,240 Speaker 3: cost of living is so damn high. Literally, Okay, well, 288 00:12:53,400 --> 00:12:58,120 Speaker 3: well I'm nice way to bring And since you've brought 289 00:12:58,160 --> 00:13:00,240 Speaker 3: this up, just I'm assuming you're done. 290 00:13:00,320 --> 00:13:02,360 Speaker 2: Would you like to take sender stage? What if you 291 00:13:02,440 --> 00:13:03,560 Speaker 2: got to bring to the table? 292 00:13:03,840 --> 00:13:06,360 Speaker 3: It's so negative to I don't know why, it's literally 293 00:13:07,520 --> 00:13:09,280 Speaker 3: and I'm just so bitter. I think maybe this is 294 00:13:09,320 --> 00:13:10,240 Speaker 3: what happens when you hit. 295 00:13:10,720 --> 00:13:11,600 Speaker 2: Like cozy libs. 296 00:13:11,920 --> 00:13:14,839 Speaker 3: I'm done, and I was bitter about something else before. 297 00:13:14,840 --> 00:13:16,240 Speaker 3: I can't remember what it was, but anyway I do 298 00:13:16,320 --> 00:13:17,480 Speaker 3: have that's the. 299 00:13:17,400 --> 00:13:19,680 Speaker 2: Best way to be bitter about things that you can't 300 00:13:19,720 --> 00:13:22,400 Speaker 2: even remember exactly exactly. 301 00:13:22,600 --> 00:13:24,280 Speaker 3: I really am putting into a boomer. 302 00:13:24,160 --> 00:13:29,040 Speaker 2: So apart from using Smarties as free lipstick, what if 303 00:13:29,040 --> 00:13:31,319 Speaker 2: you got beck is not a bad idea, though, I've 304 00:13:31,320 --> 00:13:33,160 Speaker 2: got to say, do try do you reckon it's like 305 00:13:33,200 --> 00:13:33,960 Speaker 2: a lipstain. 306 00:13:34,240 --> 00:13:37,240 Speaker 4: Dolly Parton used to do it with berries. Apparently. I 307 00:13:37,280 --> 00:13:39,640 Speaker 4: just watched the DCC up Country and they had Dolly 308 00:13:39,640 --> 00:13:41,679 Speaker 4: Parton was the guest that Super Bowl. She answered the 309 00:13:41,760 --> 00:13:48,120 Speaker 4: DCC last year Dolly Putton. My god, her too as 310 00:13:48,160 --> 00:13:49,080 Speaker 4: much as Dolly Parton. 311 00:13:49,120 --> 00:13:54,240 Speaker 2: Her lack of belly button is unnerving. Yeah, like, like, 312 00:13:54,720 --> 00:13:55,800 Speaker 2: do the maths don't work out? 313 00:13:55,800 --> 00:13:56,000 Speaker 1: Why? 314 00:13:56,280 --> 00:13:58,520 Speaker 3: Incredible? I just have a flashback of my mum in 315 00:13:58,559 --> 00:14:01,560 Speaker 3: the bathroom trying to die hair with beetroot juice, like 316 00:14:01,600 --> 00:14:05,520 Speaker 3: canned beetroot juice, and it does work. It's just music, 317 00:14:06,200 --> 00:14:06,760 Speaker 3: organic be. 318 00:14:06,920 --> 00:14:10,400 Speaker 2: I have questions. I have so many questions. 319 00:14:11,520 --> 00:14:13,560 Speaker 3: It was very funny. My mind is very funny, and 320 00:14:13,600 --> 00:14:14,320 Speaker 3: you can't say. 321 00:14:14,120 --> 00:14:17,040 Speaker 2: It okay, But like my questions arise from the fact 322 00:14:17,040 --> 00:14:21,040 Speaker 2: that you have naturally black hair. Parlor is your mum's, Yeah. 323 00:14:21,040 --> 00:14:26,440 Speaker 3: I know, shockingly she's blonde. She actually yeah, with blonde hair. 324 00:14:28,320 --> 00:14:28,640 Speaker 1: I know. 325 00:14:29,360 --> 00:14:32,200 Speaker 2: See my mom's really blonde too, And everyone meets her 326 00:14:32,240 --> 00:14:33,720 Speaker 2: and they're like, that is not what we expected. 327 00:14:35,000 --> 00:14:35,880 Speaker 3: Shocking happens. 328 00:14:35,920 --> 00:14:38,200 Speaker 2: Don't judge me exactly. 329 00:14:38,600 --> 00:14:39,880 Speaker 3: Don't judge a book by its mother. 330 00:14:39,960 --> 00:14:43,960 Speaker 2: They do say that, all right, what is your first 331 00:14:43,960 --> 00:14:44,440 Speaker 2: broake tip. 332 00:14:44,560 --> 00:14:46,720 Speaker 3: Okay, so this person one comes from Andrea. This is 333 00:14:46,760 --> 00:14:49,520 Speaker 3: actually really really coolitess as the thing. So Andrew says, 334 00:14:49,720 --> 00:14:52,280 Speaker 3: I have kids, so do multiple loads of washing a week. 335 00:14:52,720 --> 00:14:55,640 Speaker 3: I've started using the delay start setting on my washing 336 00:14:55,640 --> 00:14:58,680 Speaker 3: machine so it will run wash cycle overnight during off 337 00:14:58,760 --> 00:14:59,720 Speaker 3: peak electricity. 338 00:15:00,080 --> 00:15:03,280 Speaker 2: Then, very what the heck is an off peak electricity? 339 00:15:03,280 --> 00:15:05,160 Speaker 4: Oh my gosh, bell Oh, I can tell you all 340 00:15:05,160 --> 00:15:08,240 Speaker 4: about it because my gas electricity bill was nearly eight 341 00:15:08,280 --> 00:15:09,760 Speaker 4: hundred dollars the last two months. 342 00:15:09,880 --> 00:15:13,400 Speaker 2: Eight hundred dollars. That's close, honestly, Like she's asking for this. 343 00:15:13,400 --> 00:15:15,280 Speaker 4: Bea we've been dropped've dropped our temperature? 344 00:15:15,440 --> 00:15:18,400 Speaker 2: Oh okay, that Jess's house, Like if you walked into it, 345 00:15:18,440 --> 00:15:21,160 Speaker 2: you'd be like, wow, this is a sauna. Like I'm 346 00:15:21,160 --> 00:15:24,080 Speaker 2: pretty sure last time we were talking about this, you're like, yeah, 347 00:15:24,080 --> 00:15:26,240 Speaker 2: we just have it set at twenty seven year round 348 00:15:26,360 --> 00:15:30,480 Speaker 2: and I was like twenty four okay, okay, Richie, rich 349 00:15:30,760 --> 00:15:32,040 Speaker 2: so what have you had to drop it to? 350 00:15:32,280 --> 00:15:34,760 Speaker 4: We keep it at like nineteen twenty now, and we 351 00:15:34,920 --> 00:15:39,320 Speaker 4: really want i know, freezing and taf Comically, Jessica, yeah, 352 00:15:39,560 --> 00:15:41,200 Speaker 4: we're actually in a talk to our landlord. Because we reckon. 353 00:15:41,200 --> 00:15:43,280 Speaker 4: There's something wrong because our usage has gone up like 354 00:15:43,360 --> 00:15:46,000 Speaker 4: significantly since last year, but we're we're using it anymore. 355 00:15:46,080 --> 00:15:47,800 Speaker 4: I'm worried that anyway. Not the point. 356 00:15:47,960 --> 00:15:49,720 Speaker 2: No, we want to hear this because that's a fight. 357 00:15:49,760 --> 00:15:51,840 Speaker 2: I'm willing to crazy listening on. 358 00:15:52,080 --> 00:15:54,600 Speaker 4: They charge you more for electricity during certain hours of 359 00:15:54,600 --> 00:15:56,240 Speaker 4: the day. It's like on your bill. If you look 360 00:15:56,280 --> 00:15:58,000 Speaker 4: at it, if you say, we're dissecting it to figure 361 00:15:58,000 --> 00:15:59,800 Speaker 4: out why on earth your bill was eight hundred dollars, 362 00:16:00,080 --> 00:16:02,160 Speaker 4: it will show you they charge you a higher rate 363 00:16:02,240 --> 00:16:04,880 Speaker 4: during peak usage times, which is usually like middle. 364 00:16:04,600 --> 00:16:06,720 Speaker 2: Of the day when everybody else is using it. 365 00:16:06,840 --> 00:16:08,800 Speaker 4: Yeah, like through that I think. I think ours is 366 00:16:08,800 --> 00:16:11,680 Speaker 4: like maybe seven o'clock, eight o'clock something I remember. So 367 00:16:11,720 --> 00:16:14,080 Speaker 4: it's actually a lot cheaper to run. If you're doing laundry, 368 00:16:14,120 --> 00:16:16,120 Speaker 4: if you have to run the dryer or something like that, 369 00:16:16,160 --> 00:16:18,240 Speaker 4: it's often cheaper to do it in the evening or 370 00:16:18,240 --> 00:16:19,200 Speaker 4: in the very early morning. 371 00:16:19,520 --> 00:16:21,880 Speaker 3: Okay, And does it change daily? 372 00:16:22,320 --> 00:16:24,640 Speaker 4: No, peak time should be the same every day. 373 00:16:24,720 --> 00:16:27,520 Speaker 3: Yeah, Oh my goodness, that's sick. 374 00:16:27,840 --> 00:16:28,160 Speaker 2: I don't know. 375 00:16:28,200 --> 00:16:29,160 Speaker 4: You could delay stuff. 376 00:16:29,240 --> 00:16:30,960 Speaker 2: I don't know. Now they do because you're putting it 377 00:16:31,000 --> 00:16:31,640 Speaker 2: on the podcast. 378 00:16:31,840 --> 00:16:33,560 Speaker 3: Well, I hope everyone does. I'm gonna tell my housemates 379 00:16:33,560 --> 00:16:35,280 Speaker 3: about it that it was just so like my mind 380 00:16:35,360 --> 00:16:37,800 Speaker 3: was blown. Anyway, that's really clever and obviously, as you 381 00:16:37,840 --> 00:16:39,600 Speaker 3: would have shared last week when I wasn't here, that 382 00:16:39,880 --> 00:16:42,360 Speaker 3: if you use cold water it significantly reduces the we 383 00:16:43,160 --> 00:16:46,680 Speaker 3: did share that incredible So thank you so much, Andrew, 384 00:16:46,800 --> 00:16:48,040 Speaker 3: and thank you so much Fee. 385 00:16:47,800 --> 00:16:49,440 Speaker 2: For reading that one out lost. Jess said that she 386 00:16:49,440 --> 00:16:52,720 Speaker 2: always watches her stuff in warm water, and I was delicate, 387 00:16:52,960 --> 00:16:55,360 Speaker 2: but then I was like, oh, are you also the 388 00:16:55,360 --> 00:16:59,080 Speaker 2: girl that shrunk too really expensive jumpers in the recent past. 389 00:16:59,440 --> 00:17:00,960 Speaker 4: No, I would not to confirm on tonight. 390 00:17:03,440 --> 00:17:06,320 Speaker 2: All right, Beck, what is your second from the community? 391 00:17:06,359 --> 00:17:10,639 Speaker 3: Broke to Okay, So this second one, I don't know 392 00:17:10,680 --> 00:17:13,400 Speaker 3: how you guys are going to feel about this, but personally, 393 00:17:14,240 --> 00:17:18,160 Speaker 3: I love this for so many different reasons. This one 394 00:17:18,200 --> 00:17:22,440 Speaker 3: comes from Michelle. She says that she's basically it's quite 395 00:17:22,440 --> 00:17:23,560 Speaker 3: a long one. 396 00:17:23,640 --> 00:17:25,600 Speaker 2: You can see I'm not going to read it, and 397 00:17:25,720 --> 00:17:26,840 Speaker 2: you're going to tell I'm going. 398 00:17:26,760 --> 00:17:29,080 Speaker 3: To summarize it. And I'm so sorry Michelle if in 399 00:17:29,119 --> 00:17:33,080 Speaker 3: advance I kind of mutu it. Yeah, obviously, Jess, you're 400 00:17:33,080 --> 00:17:36,760 Speaker 3: talking about pottery before off air, and we'll. 401 00:17:36,760 --> 00:17:38,560 Speaker 2: Kind of just pinner crafting era. 402 00:17:38,680 --> 00:17:40,280 Speaker 4: Yeah, painted pottery too. 403 00:17:40,640 --> 00:17:42,679 Speaker 2: I saw on Instagram. I was like, oh, what is that? 404 00:17:42,760 --> 00:17:44,520 Speaker 2: And then I was like, that is a potter's wheel 405 00:17:45,200 --> 00:17:45,959 Speaker 2: washing Jessica. 406 00:17:48,240 --> 00:17:52,720 Speaker 3: So basically, personally, I love playing in dirt, and adults 407 00:17:52,760 --> 00:17:54,960 Speaker 3: should be playing in dirt. I feel like not should nothing, 408 00:17:54,960 --> 00:17:55,520 Speaker 3: No one should be. 409 00:17:55,600 --> 00:17:58,000 Speaker 2: I'm going to give you my kid and you can 410 00:17:58,040 --> 00:17:58,360 Speaker 2: do the. 411 00:17:58,359 --> 00:18:01,160 Speaker 3: Exposure stuff, which absolutely I love it. I love it. It 412 00:18:01,200 --> 00:18:02,840 Speaker 3: just makes you feel so silly and fun and close 413 00:18:02,880 --> 00:18:05,040 Speaker 3: to nature. Anyway, it's so much fun. What Michelle did 414 00:18:05,119 --> 00:18:07,280 Speaker 3: was she made clay or she did was have a 415 00:18:07,320 --> 00:18:10,560 Speaker 3: bucket of water and a stick and got some soil 416 00:18:10,600 --> 00:18:12,760 Speaker 3: from her yard that was rich in clay. I should 417 00:18:12,800 --> 00:18:17,760 Speaker 3: give it. She literally made clay to do like pottery, 418 00:18:17,800 --> 00:18:19,560 Speaker 3: which I think is so cool. 419 00:18:19,720 --> 00:18:23,359 Speaker 2: And I love that she's gone. I guess foraging for 420 00:18:23,520 --> 00:18:25,200 Speaker 2: natural clay. Is that what you're saying. 421 00:18:25,320 --> 00:18:27,280 Speaker 3: I think she has like soil in her yard that's 422 00:18:27,359 --> 00:18:29,560 Speaker 3: rich in clay. But you can also like, I don't 423 00:18:29,560 --> 00:18:32,240 Speaker 3: know if people listening to this or in Victoria where 424 00:18:32,280 --> 00:18:34,480 Speaker 3: you are in the world, but in Victoria, would you 425 00:18:34,480 --> 00:18:36,320 Speaker 3: have like red hill on the peninsula full of like 426 00:18:36,400 --> 00:18:39,920 Speaker 3: red beautiful clay, Like you can make clay from just 427 00:18:40,240 --> 00:18:41,720 Speaker 3: clay playing in the dirt. 428 00:18:41,920 --> 00:18:44,880 Speaker 2: You couldn't make clay from clay, saying. 429 00:18:44,920 --> 00:18:47,280 Speaker 3: And I never thought about that before. You can make 430 00:18:47,720 --> 00:18:49,960 Speaker 3: cute and then you can like make beautiful bowls for 431 00:18:50,600 --> 00:18:52,440 Speaker 3: gifts or for yourself whatever. 432 00:18:53,640 --> 00:18:55,720 Speaker 2: Jess, did you forage for your own clay when you 433 00:18:55,760 --> 00:18:57,320 Speaker 2: were playing Posha? Recently? 434 00:18:57,480 --> 00:19:01,119 Speaker 4: I foraged within the crater room that was provided at 435 00:19:01,119 --> 00:19:08,200 Speaker 4: the place that I paid to euced I really try. 436 00:19:08,040 --> 00:19:09,919 Speaker 2: What do you bring to the table today? 437 00:19:10,040 --> 00:19:12,880 Speaker 3: This one actually happened upon this week, you. 438 00:19:12,840 --> 00:19:14,520 Speaker 2: Happened upon or your girlfriend happened upon? 439 00:19:14,720 --> 00:19:19,320 Speaker 3: No, genuinely mean yes. So I've been having to use 440 00:19:19,440 --> 00:19:22,480 Speaker 3: ubers my cars in a really bad way. And there's 441 00:19:22,520 --> 00:19:26,680 Speaker 3: a section in Uber that is called promotions, and it's 442 00:19:26,880 --> 00:19:30,120 Speaker 3: it's like basically hidden, but you can find it if 443 00:19:30,119 --> 00:19:33,000 Speaker 3: you just go to your account and then it will 444 00:19:33,040 --> 00:19:35,359 Speaker 3: say you have multiple promos, and then you go into 445 00:19:35,560 --> 00:19:38,760 Speaker 3: promotions and you'll see that you have like say, for example, 446 00:19:38,800 --> 00:19:41,480 Speaker 3: thirty percent off three trips up to thirty dollars three 447 00:19:41,520 --> 00:19:44,919 Speaker 3: trips left, twenty percent off three trips up to thirty 448 00:19:45,040 --> 00:19:47,880 Speaker 3: dollars three trips left, and these are like they'll give 449 00:19:47,920 --> 00:19:49,760 Speaker 3: you the date that you're allowed to use them between 450 00:19:49,800 --> 00:19:51,080 Speaker 3: and all this kind of stuff. But like this thing, 451 00:19:51,280 --> 00:19:52,840 Speaker 3: they don't just like they don't come out and tell 452 00:19:52,880 --> 00:19:54,720 Speaker 3: you about this. You gotta literally find it. 453 00:19:55,000 --> 00:19:56,719 Speaker 2: To go find it, Yeah, to find it. I think 454 00:19:56,760 --> 00:19:57,240 Speaker 2: they might. 455 00:19:57,119 --> 00:20:01,200 Speaker 3: Automatically apply it. If your trip does, you know, tick 456 00:20:01,240 --> 00:20:03,840 Speaker 3: all the boxes for that particular thing, then will automatically 457 00:20:03,880 --> 00:20:06,640 Speaker 3: apply it. Unless you know exactly what your promos are, 458 00:20:06,920 --> 00:20:08,880 Speaker 3: you'll never get the opportunity to use them. 459 00:20:09,119 --> 00:20:09,760 Speaker 2: I love that. 460 00:20:09,920 --> 00:20:12,360 Speaker 3: Everyone, right now, go into you uber account and check 461 00:20:12,359 --> 00:20:15,000 Speaker 3: out what your promos are and use them, because we're 462 00:20:15,040 --> 00:20:17,680 Speaker 3: not getting our money's worth here, you know. So that's 463 00:20:17,680 --> 00:20:18,680 Speaker 3: my broke tip for this week. 464 00:20:18,760 --> 00:20:19,360 Speaker 4: That's a good one. 465 00:20:19,440 --> 00:20:21,879 Speaker 2: That is a good one. I love it. All Right, guys, 466 00:20:22,119 --> 00:20:24,000 Speaker 2: let's go to a really quick break because on the 467 00:20:24,040 --> 00:20:26,639 Speaker 2: flip side, we're going to be talking about budgeting around 468 00:20:26,640 --> 00:20:29,520 Speaker 2: a complicated lifestyle. And Beck is really excited to be 469 00:20:29,640 --> 00:20:32,200 Speaker 2: talking about this week's DM which this week we're talking 470 00:20:32,200 --> 00:20:35,200 Speaker 2: about sharing points with friends. So guys, don't go anywhere. 471 00:20:39,359 --> 00:20:41,960 Speaker 4: Welcome back, everybody. Let's take a listen to this week's 472 00:20:41,960 --> 00:20:42,760 Speaker 4: money dilemma. 473 00:20:45,200 --> 00:20:47,520 Speaker 6: Hi, there, have you got a money dilemma you just 474 00:20:47,600 --> 00:20:50,120 Speaker 6: can't solve? The Sheese on the Money Team is here 475 00:20:50,160 --> 00:20:53,399 Speaker 6: to help. Every week, we tackle your dilemmas, both big 476 00:20:53,440 --> 00:20:56,159 Speaker 6: and small, to answer your most burning money, career and 477 00:20:56,200 --> 00:20:59,400 Speaker 6: life questions. To get involved, simply head to our website 478 00:20:59,400 --> 00:21:01,560 Speaker 6: and leave us a short voice recording and you might 479 00:21:01,600 --> 00:21:04,159 Speaker 6: just find yourself on the show. Now, let's take a 480 00:21:04,200 --> 00:21:08,280 Speaker 6: listen to this week's money dilemma. 481 00:21:08,520 --> 00:21:11,160 Speaker 5: Hi, She's on the Money Team. I'm twenty five years 482 00:21:11,160 --> 00:21:14,600 Speaker 5: old and currently a yoga teacher. I have a really 483 00:21:14,600 --> 00:21:17,440 Speaker 5: complicated lifestyle at the moment, which I'm very grateful for, 484 00:21:17,640 --> 00:21:19,760 Speaker 5: but it does make it hard when it comes to 485 00:21:19,800 --> 00:21:23,320 Speaker 5: budgeting and saving money. I go Overseas regularly on a 486 00:21:23,359 --> 00:21:26,960 Speaker 5: work exchange to teach yoga, which I don't earn an income, 487 00:21:27,280 --> 00:21:29,520 Speaker 5: and when I come back home to Australia, I either 488 00:21:29,560 --> 00:21:32,000 Speaker 5: go work up in the Minds at a cafe or 489 00:21:32,040 --> 00:21:35,080 Speaker 5: work as a yoga teacher. My income is always so 490 00:21:35,280 --> 00:21:37,520 Speaker 5: different and I find it really hard to budget and 491 00:21:37,560 --> 00:21:40,959 Speaker 5: save money because of this. When I do go overseas, 492 00:21:41,000 --> 00:21:43,119 Speaker 5: I feel as though I'm spending way too much money 493 00:21:43,160 --> 00:21:45,440 Speaker 5: because I'm not sticking to a budget, even though I'm 494 00:21:45,480 --> 00:21:48,639 Speaker 5: doing things I like, like going out for food and 495 00:21:48,880 --> 00:21:52,120 Speaker 5: sometimes partying and doing things I enjoy. I just come 496 00:21:52,160 --> 00:21:55,200 Speaker 5: home every time from an overseas adventure and think to myself, Wow, 497 00:21:55,240 --> 00:21:57,960 Speaker 5: I spend way too much money. And then I do 498 00:21:58,000 --> 00:22:00,159 Speaker 5: come home and I work for it back up and 499 00:22:00,160 --> 00:22:04,360 Speaker 5: then go overseas again. But it's such a non consistent income. 500 00:22:04,920 --> 00:22:07,680 Speaker 5: Sometimes it's a really good income from the mind. Sometimes 501 00:22:08,560 --> 00:22:11,000 Speaker 5: it's a really low income from working at a cafe 502 00:22:11,200 --> 00:22:14,320 Speaker 5: or yoga teaching. My question is, how can I budget 503 00:22:14,400 --> 00:22:16,679 Speaker 5: to make this a little more savvy. How can I 504 00:22:16,720 --> 00:22:20,320 Speaker 5: work on saving some more money and making this more 505 00:22:20,720 --> 00:22:23,679 Speaker 5: consistent so I can put some money towards my investments 506 00:22:23,720 --> 00:22:26,800 Speaker 5: as well. Any advice would be appreciated. Thank you. 507 00:22:27,080 --> 00:22:28,920 Speaker 2: This feels very beck cooded. 508 00:22:29,960 --> 00:22:32,800 Speaker 3: That has been very back odd, But I do remember Victoria. Actually, 509 00:22:33,600 --> 00:22:37,879 Speaker 3: like last year, someone messaged us with a It was 510 00:22:37,960 --> 00:22:39,879 Speaker 3: kind of similar. They were a freelancer and they were 511 00:22:39,920 --> 00:22:42,480 Speaker 3: kind of like SOMEONNS I make X amounts, someons I make. 512 00:22:42,400 --> 00:22:44,919 Speaker 2: Some days I maybe good, some days maybe. 513 00:22:44,720 --> 00:22:49,919 Speaker 3: Shit exactly well. And I'm maybe be saying and this 514 00:22:49,960 --> 00:22:52,240 Speaker 3: could be different now, but you said average it out 515 00:22:52,280 --> 00:22:53,680 Speaker 3: over twelve months. 516 00:22:54,000 --> 00:22:56,399 Speaker 2: And I'm going to see myself out. I am not 517 00:22:56,600 --> 00:22:59,560 Speaker 2: needed on this podcasting, Is that right? Yeah? I keep going. 518 00:23:00,240 --> 00:23:02,520 Speaker 3: I ridged it out over twelve months with your expenses, 519 00:23:02,680 --> 00:23:06,760 Speaker 3: average your expenses over twelve months, and then average your 520 00:23:06,840 --> 00:23:10,800 Speaker 3: income over twelve months. Yeah no, yeah, yeah yeah. And 521 00:23:10,840 --> 00:23:13,960 Speaker 3: then if you make ten thousand one month, for example, 522 00:23:14,320 --> 00:23:17,240 Speaker 3: but you your average is two thousand a month, you're 523 00:23:17,280 --> 00:23:20,280 Speaker 3: only spending two thousand a month. Yeah, something like that. 524 00:23:20,359 --> 00:23:23,760 Speaker 2: No, no, no, that is absolutely on the money, which is 525 00:23:24,280 --> 00:23:26,360 Speaker 2: money for most reasons here. 526 00:23:26,280 --> 00:23:31,320 Speaker 3: That's crazy effects on the money, which in the intro 527 00:23:31,440 --> 00:23:32,879 Speaker 3: to bexs on the money. 528 00:23:32,920 --> 00:23:35,160 Speaker 2: Yeah, that's fine. That's your birthday, so you get whatever 529 00:23:35,200 --> 00:23:38,480 Speaker 2: you want. Yes, that is absolutely true. So what I 530 00:23:38,520 --> 00:23:41,240 Speaker 2: would say is understand your budget. And I think that 531 00:23:41,440 --> 00:23:44,159 Speaker 2: you you sounded like you're having the best life. I 532 00:23:44,160 --> 00:23:47,120 Speaker 2: don't know, but did you notice Jess being like, ooh, 533 00:23:47,200 --> 00:23:50,400 Speaker 2: I'm like, are you pondering a career change? You want 534 00:23:50,400 --> 00:23:52,880 Speaker 2: to go to be a yoga teacher? Like I wouldn't 535 00:23:52,920 --> 00:23:55,959 Speaker 2: be surprised at this point she's become a pilates girlie. 536 00:23:56,240 --> 00:23:59,680 Speaker 2: It's a slippery slope, fue. I feel like this is 537 00:23:59,720 --> 00:24:02,760 Speaker 2: a really good example of you're living your best life. 538 00:24:02,760 --> 00:24:05,160 Speaker 2: You're clearly enjoying it, but money is getting in the way. 539 00:24:05,480 --> 00:24:08,280 Speaker 2: And so what we want to do is understand what 540 00:24:08,320 --> 00:24:10,639 Speaker 2: Beck was saying. We want to understand our expenses. So 541 00:24:10,680 --> 00:24:13,160 Speaker 2: how much are you on average spending every single month? 542 00:24:13,400 --> 00:24:16,119 Speaker 2: But we want to budget on an annual But we 543 00:24:16,200 --> 00:24:18,760 Speaker 2: want to budget on an annual basis, right, because there 544 00:24:18,760 --> 00:24:20,439 Speaker 2: are going to be like once a year costs like 545 00:24:20,520 --> 00:24:22,760 Speaker 2: insurances or Red Joe that we need to pay for. 546 00:24:22,960 --> 00:24:24,960 Speaker 2: So over the year, have a look at how much 547 00:24:25,040 --> 00:24:28,320 Speaker 2: money you actually need to bare minimum survive. Right, So 548 00:24:28,440 --> 00:24:32,320 Speaker 2: let's pretend it's two thousand dollars a month. Let's start there. 549 00:24:32,760 --> 00:24:35,280 Speaker 2: Then we're going to look at how much we earn. 550 00:24:35,600 --> 00:24:37,560 Speaker 2: So over the last year, you would have done some 551 00:24:37,600 --> 00:24:39,760 Speaker 2: work in the minds, you would have done some yoga teaching, 552 00:24:39,760 --> 00:24:41,480 Speaker 2: you would have worked in the cafe a little bit. 553 00:24:41,920 --> 00:24:44,359 Speaker 2: You're going to take that income, add it all together, 554 00:24:44,400 --> 00:24:47,919 Speaker 2: and divide it by twelve. How much on average was 555 00:24:47,920 --> 00:24:50,520 Speaker 2: that per month? So you're gonna look at that and go, 556 00:24:50,680 --> 00:24:53,240 Speaker 2: let's pretend you know this is just for argument's sake, 557 00:24:53,320 --> 00:24:55,639 Speaker 2: your expenses are two thousand dollars a month, and then 558 00:24:55,720 --> 00:24:59,520 Speaker 2: you're earning four thousand dollars a month, right, So that 559 00:24:59,680 --> 00:25:03,920 Speaker 2: means on average you've got two thousand dollars in additional income. 560 00:25:04,200 --> 00:25:06,959 Speaker 2: That's twenty four thousand dollars a year. So what we 561 00:25:07,000 --> 00:25:10,119 Speaker 2: want to do is make sure that every month we 562 00:25:10,200 --> 00:25:13,600 Speaker 2: are allocating two thousand dollars and putting that to the side, 563 00:25:13,840 --> 00:25:16,800 Speaker 2: and then any additional when we're not traveling, when we're 564 00:25:16,840 --> 00:25:19,879 Speaker 2: not doing the big expenses, we're putting it to the side. 565 00:25:20,240 --> 00:25:22,720 Speaker 2: The month after, let's pretend it's one of those big 566 00:25:22,760 --> 00:25:26,639 Speaker 2: travel months. We aren't trying to overspend, Like if you 567 00:25:26,720 --> 00:25:28,840 Speaker 2: had a ten thousand dollar month, because like I don't know, 568 00:25:28,920 --> 00:25:30,720 Speaker 2: maybe you're out in the minds and you're earning the 569 00:25:30,720 --> 00:25:33,520 Speaker 2: big dollars and instead of it being a four thousand 570 00:25:33,600 --> 00:25:36,400 Speaker 2: dollar income month like usual, maybe you have an eight 571 00:25:36,440 --> 00:25:38,520 Speaker 2: thousand dollar month because you've had a big month, you've 572 00:25:38,560 --> 00:25:41,520 Speaker 2: done some overtime. That doesn't mean we blow out. That 573 00:25:41,560 --> 00:25:44,119 Speaker 2: means we take now six thousand dollars and put that 574 00:25:44,160 --> 00:25:47,560 Speaker 2: into the savings account so that next month, maybe you're 575 00:25:47,600 --> 00:25:49,960 Speaker 2: traveling and don't have an income, we can still pay 576 00:25:50,040 --> 00:25:53,720 Speaker 2: our two thousand dollars in base amount. Of expenses and 577 00:25:53,760 --> 00:25:56,320 Speaker 2: then we can use the surplus and what's left over 578 00:25:56,520 --> 00:25:58,760 Speaker 2: for the travel and they're eating out and all of that. 579 00:25:59,240 --> 00:26:01,840 Speaker 2: So what we want to do then is have at 580 00:26:01,960 --> 00:26:05,760 Speaker 2: home budget, so we've got our everyday budget the expenses 581 00:26:05,800 --> 00:26:08,560 Speaker 2: that are not going to change. For some people, that 582 00:26:08,640 --> 00:26:10,840 Speaker 2: could be like rent. Maybe you're paying rent or you're 583 00:26:10,920 --> 00:26:13,280 Speaker 2: overseas still. But then I want to know what your 584 00:26:13,280 --> 00:26:15,840 Speaker 2: budget for your holidays are. So if you're going overseas 585 00:26:15,840 --> 00:26:18,119 Speaker 2: to teach yoga, does that change depending on the country 586 00:26:18,119 --> 00:26:20,359 Speaker 2: you're in. Maybe if you're teaching in Thailand, it's much 587 00:26:20,440 --> 00:26:22,600 Speaker 2: cheaper than if you were going to France. So we 588 00:26:22,680 --> 00:26:24,520 Speaker 2: need to make sure that we understand, well, what is 589 00:26:24,520 --> 00:26:26,760 Speaker 2: a daily budget, how many days am I going for? 590 00:26:26,880 --> 00:26:29,320 Speaker 2: What does this look like, so that you can start 591 00:26:29,320 --> 00:26:32,399 Speaker 2: to allocate the funds towards that. So when you get home, 592 00:26:32,400 --> 00:26:34,280 Speaker 2: you're not shot in the four and you don't have 593 00:26:34,400 --> 00:26:37,160 Speaker 2: the money that you need for the expenses that are 594 00:26:37,400 --> 00:26:39,920 Speaker 2: ultimately always going to be there. Does that make sense? 595 00:26:40,800 --> 00:26:42,040 Speaker 2: Just do you have any tips. 596 00:26:41,760 --> 00:26:44,119 Speaker 4: And tricks, nothing to add other than you did a 597 00:26:44,160 --> 00:26:46,919 Speaker 4: full episode a few years ago call budgeting for variable income, 598 00:26:46,960 --> 00:26:48,880 Speaker 4: which goes into that, and you know a few other 599 00:26:48,920 --> 00:26:51,199 Speaker 4: like systems and processes people could consider in like a 600 00:26:51,200 --> 00:26:53,000 Speaker 4: whole episode. So if you want a bit more info, 601 00:26:53,119 --> 00:26:55,119 Speaker 4: I would go listen to that because a really good YEP. 602 00:26:55,520 --> 00:26:58,000 Speaker 2: I did it, so I agree turn out of ten. 603 00:26:58,040 --> 00:27:00,119 Speaker 2: Would you guys like to move on to this week 604 00:27:00,440 --> 00:27:01,160 Speaker 2: money dilemma? 605 00:27:01,200 --> 00:27:02,000 Speaker 4: Absolutely? 606 00:27:02,560 --> 00:27:05,119 Speaker 2: So this week we got a dam sounded exactly like this, 607 00:27:05,200 --> 00:27:08,280 Speaker 2: because guys, I am reading it verbatim. Hi, I need 608 00:27:08,320 --> 00:27:11,240 Speaker 2: a vibe check on this. Every weekend, my friend and 609 00:27:11,280 --> 00:27:14,080 Speaker 2: I go out for dinners, drinks, and the occasional shopping 610 00:27:14,119 --> 00:27:17,920 Speaker 2: spree must be nice. They always put everything on their 611 00:27:17,920 --> 00:27:20,240 Speaker 2: fancy new credit card to rack up points, and I 612 00:27:20,320 --> 00:27:23,359 Speaker 2: transfer them my share after Now we're planning for an 613 00:27:23,359 --> 00:27:26,200 Speaker 2: overseas trip and they just announced that they're using those 614 00:27:26,240 --> 00:27:29,879 Speaker 2: points to upgrade to business class. They didn't even offer 615 00:27:30,000 --> 00:27:32,920 Speaker 2: to share the perks, despite the points being partly from 616 00:27:32,960 --> 00:27:36,800 Speaker 2: our shared expenses. I'm feeling pretty miffed. It's like I 617 00:27:36,840 --> 00:27:39,600 Speaker 2: helped build these points and now they're flying in luxury 618 00:27:39,640 --> 00:27:42,680 Speaker 2: while I'm stuck back in economy. I get that they 619 00:27:42,760 --> 00:27:45,840 Speaker 2: technically paid, but it stings that they didn't ask if 620 00:27:45,880 --> 00:27:48,399 Speaker 2: I wanted to split the upgrade or enjoy some extra 621 00:27:48,440 --> 00:27:51,880 Speaker 2: comfort too. It feels like they've been using our outings 622 00:27:51,920 --> 00:27:55,199 Speaker 2: to boost their rewards at my expense. How do I 623 00:27:55,200 --> 00:27:57,919 Speaker 2: bring this up without causing drama but still make it 624 00:27:58,000 --> 00:28:00,520 Speaker 2: clear I'm feeling a bit used or am I just 625 00:28:00,600 --> 00:28:04,080 Speaker 2: overreacting and discuss this. 626 00:28:03,960 --> 00:28:06,800 Speaker 3: Is really tricky because like, I get it, I get it. 627 00:28:07,040 --> 00:28:09,400 Speaker 3: I guess if I had a card that I intended 628 00:28:09,400 --> 00:28:13,280 Speaker 3: on like collecting or accumulating points on, but all my 629 00:28:13,320 --> 00:28:14,880 Speaker 3: friends are like, no, no, let me get this one, 630 00:28:14,920 --> 00:28:17,320 Speaker 3: And like if I sense that there was a bit 631 00:28:17,359 --> 00:28:20,040 Speaker 3: of like sneakiness behind it, they're like, no, I want 632 00:28:20,040 --> 00:28:21,880 Speaker 3: to pay for this, but you still pay me your share, 633 00:28:21,960 --> 00:28:23,600 Speaker 3: but I just want to get the points. Then I'd 634 00:28:23,640 --> 00:28:25,800 Speaker 3: be like, oh, I'm kind of bit dirty about that. 635 00:28:26,000 --> 00:28:28,720 Speaker 3: But if you just didn't have a card that you 636 00:28:28,760 --> 00:28:31,240 Speaker 3: were trying to accumulate points on and then later on 637 00:28:31,760 --> 00:28:34,440 Speaker 3: realized that you could have been accumulating points. 638 00:28:34,240 --> 00:28:36,120 Speaker 2: Now you're salty that your friend was making the most 639 00:28:36,119 --> 00:28:36,320 Speaker 2: of it. 640 00:28:36,480 --> 00:28:39,240 Speaker 3: Yeah, I feel like that's like maybe if you inquired 641 00:28:39,280 --> 00:28:41,280 Speaker 3: early and everyone's like, don't worry about it, like this 642 00:28:41,360 --> 00:28:42,920 Speaker 3: is you know, you don't need to worry, Like you 643 00:28:42,960 --> 00:28:45,280 Speaker 3: just keep doing what you're doing then, I don't know 644 00:28:45,320 --> 00:28:48,120 Speaker 3: if there's any sneakiness involved, which doesn't really sound like 645 00:28:48,160 --> 00:28:50,240 Speaker 3: it is. Sounds like your friends are just like making 646 00:28:50,280 --> 00:28:52,960 Speaker 3: the most of what they were trying to do, I guess. 647 00:28:53,720 --> 00:28:56,760 Speaker 3: And they didn't know that a trip was coming up. 648 00:28:56,840 --> 00:28:59,320 Speaker 3: You just started planning this trip recently. It sounds like 649 00:28:59,520 --> 00:29:03,400 Speaker 3: I think there's no ill intent really, so I don't know. 650 00:29:03,600 --> 00:29:04,000 Speaker 3: I don't know. 651 00:29:04,440 --> 00:29:06,680 Speaker 4: I feel like they did know. It sounds like a 652 00:29:06,760 --> 00:29:08,920 Speaker 4: listener because they said like they knew they were putting 653 00:29:08,920 --> 00:29:11,080 Speaker 4: the credit card on everything on the credit card to 654 00:29:11,080 --> 00:29:13,440 Speaker 4: brack up points, so they knew that that was happening. 655 00:29:13,600 --> 00:29:13,680 Speaker 2: Ye. 656 00:29:13,840 --> 00:29:15,400 Speaker 4: I feel like if you wanted the points, you get 657 00:29:15,440 --> 00:29:17,240 Speaker 4: your own card. Like it's to me, it's a very 658 00:29:17,240 --> 00:29:19,560 Speaker 4: black and white situation, like our friends do it. Like 659 00:29:19,600 --> 00:29:21,200 Speaker 4: one of our like before I had a credit card, 660 00:29:21,240 --> 00:29:22,520 Speaker 4: one of our friends had a credit card. If we 661 00:29:22,520 --> 00:29:24,479 Speaker 4: went out, they'd say, can we pay it? We'd go, like, 662 00:29:24,520 --> 00:29:25,960 Speaker 4: what difference does it make to us. 663 00:29:26,560 --> 00:29:29,640 Speaker 2: Transferring them cash from your Like I'm paying what I would. 664 00:29:29,400 --> 00:29:32,240 Speaker 4: Pay regardless, you might as well get the points. Now 665 00:29:32,240 --> 00:29:33,880 Speaker 4: that I have my own credit card, I just go, oh, 666 00:29:33,920 --> 00:29:35,320 Speaker 4: like okay, because I want my points. 667 00:29:35,400 --> 00:29:36,680 Speaker 2: Yeah, one hundred percent. 668 00:29:36,560 --> 00:29:39,960 Speaker 4: To me, it is such a non issue. Also, the 669 00:29:39,960 --> 00:29:42,280 Speaker 4: amount of points that you get from like paying for dinner, 670 00:29:42,400 --> 00:29:44,360 Speaker 4: even if it's every week, versus the amount of points 671 00:29:44,400 --> 00:29:46,680 Speaker 4: it takes to upgrade to something like it's a huge. 672 00:29:46,520 --> 00:29:49,640 Speaker 2: Would be Yeah, like to upgrade to business which I 673 00:29:49,680 --> 00:29:52,360 Speaker 2: have done recently, So I did that flying to Europe. 674 00:29:53,240 --> 00:29:56,320 Speaker 2: It's hundreds of thousands of points. Like, you're not to 675 00:29:56,400 --> 00:29:59,680 Speaker 2: be whole, not to be dramatic, but when she said 676 00:30:00,080 --> 00:30:03,320 Speaker 2: I go out for dinners, drinks and the occasional shopping spree, 677 00:30:03,320 --> 00:30:06,000 Speaker 2: that's not going to get your business class upgrade, Like 678 00:30:06,080 --> 00:30:09,160 Speaker 2: that's not Like, I don't mean to be offensive. I 679 00:30:09,200 --> 00:30:11,720 Speaker 2: get that you're probably contributing to the points, but like, 680 00:30:11,800 --> 00:30:14,320 Speaker 2: it doesn't add up that way. Two, why are you 681 00:30:14,440 --> 00:30:18,320 Speaker 2: letting your friend always pay instead of splitting it if 682 00:30:18,320 --> 00:30:20,840 Speaker 2: you wanted points as well? Like why don't you have 683 00:30:20,920 --> 00:30:24,640 Speaker 2: your own? Three? Your friend might be upgrading to business class, 684 00:30:24,640 --> 00:30:27,000 Speaker 2: but are you aware of whether she's paying off her 685 00:30:27,000 --> 00:30:29,560 Speaker 2: credit card or not? You're transferring her cash. You are 686 00:30:29,600 --> 00:30:33,240 Speaker 2: in your own little finance bubble, And I'm assuming you're 687 00:30:33,280 --> 00:30:35,320 Speaker 2: okay because you don't have a credit card, you're not 688 00:30:35,400 --> 00:30:37,840 Speaker 2: racking up personal debt. So your friend even paying this 689 00:30:37,920 --> 00:30:40,600 Speaker 2: off or paying the minimum, like, she might have points 690 00:30:40,600 --> 00:30:42,560 Speaker 2: to upgrade, but she might be in personal debt and 691 00:30:42,600 --> 00:30:43,480 Speaker 2: you just don't know it. 692 00:30:43,680 --> 00:30:43,840 Speaker 5: Yeah. 693 00:30:43,920 --> 00:30:46,719 Speaker 4: To me, I think it is kind of a silly thing. 694 00:30:46,760 --> 00:30:48,800 Speaker 4: I think it's a little bit unreasonable to expect her 695 00:30:48,840 --> 00:30:51,000 Speaker 4: to split the upgrade. I think there's a larger or 696 00:30:51,160 --> 00:30:53,160 Speaker 4: she can't split an upgrade. No, you can't. But I 697 00:30:53,160 --> 00:30:55,440 Speaker 4: think that's a large question maybe around you know, is 698 00:30:55,440 --> 00:30:57,360 Speaker 4: it okay if you're flying with someone and you agree 699 00:30:57,400 --> 00:31:00,680 Speaker 4: that you're flying together to upgrade without inting them to 700 00:31:00,760 --> 00:31:02,800 Speaker 4: upgrade or without you're ine, Like maybe the friend thought 701 00:31:02,800 --> 00:31:04,400 Speaker 4: you were going to sit in economy together. 702 00:31:04,240 --> 00:31:07,040 Speaker 2: Like kges, I have enough points, I can upgrade me. 703 00:31:07,240 --> 00:31:09,480 Speaker 2: But like yeah, and you'd be sitting on your own. 704 00:31:09,520 --> 00:31:11,040 Speaker 2: I wouldn't ever do that to anybody. 705 00:31:11,160 --> 00:31:12,400 Speaker 4: No, No, I wouldn't you. 706 00:31:12,400 --> 00:31:13,080 Speaker 2: Actually, we have. 707 00:31:13,000 --> 00:31:15,880 Speaker 4: Sat an economy together many a time, so, like, I 708 00:31:15,960 --> 00:31:17,800 Speaker 4: think that there's a conversation to be had around that. 709 00:31:18,080 --> 00:31:20,000 Speaker 4: But I think if you separate that out, the points 710 00:31:20,000 --> 00:31:21,800 Speaker 4: thing to me is like such a non issue. If 711 00:31:21,840 --> 00:31:24,440 Speaker 4: you want points, you're very entitled to earn your own points, 712 00:31:24,760 --> 00:31:26,680 Speaker 4: get your own cut, like you can't do you know 713 00:31:26,680 --> 00:31:29,640 Speaker 4: what I mean, Like you can't really expect her to 714 00:31:29,720 --> 00:31:31,480 Speaker 4: be Yeah, I just think it no to me, it 715 00:31:31,480 --> 00:31:32,720 Speaker 4: feels a little bit unreasonable. 716 00:31:32,760 --> 00:31:34,440 Speaker 3: I agree, And I guess like if you flip it, 717 00:31:34,480 --> 00:31:36,840 Speaker 3: if the person writing in was in fact the person 718 00:31:36,880 --> 00:31:39,440 Speaker 3: who was being really savvy and linked all of their 719 00:31:39,480 --> 00:31:42,080 Speaker 3: things and was trying to get points for whatever, first 720 00:31:42,080 --> 00:31:45,240 Speaker 3: of all, exactly you sav like that amount of points 721 00:31:45,560 --> 00:31:47,960 Speaker 3: wouldn't have gotten them very far anyway. I'm assuming it's 722 00:31:48,000 --> 00:31:48,760 Speaker 3: like years. 723 00:31:48,480 --> 00:31:52,840 Speaker 2: Worth, unless you're spending thousands of dollars and months, like 724 00:31:52,880 --> 00:31:55,400 Speaker 2: you're not going to get there, like Steve and I 725 00:31:55,440 --> 00:31:58,160 Speaker 2: have recently, oh maybe in the last twelve months. He 726 00:31:58,280 --> 00:32:01,000 Speaker 2: got a credit card and we have been putting all 727 00:32:01,040 --> 00:32:03,400 Speaker 2: of our expenses onto the credit card and just paying 728 00:32:03,440 --> 00:32:06,120 Speaker 2: it off every month because we knew that we wanted 729 00:32:06,120 --> 00:32:08,840 Speaker 2: to do a Europe trip and we got like I 730 00:32:08,840 --> 00:32:11,120 Speaker 2: think it was like one hundred thousand bonus points when 731 00:32:11,440 --> 00:32:14,320 Speaker 2: Steve signed up for this card, and then every single 732 00:32:14,320 --> 00:32:17,280 Speaker 2: expense has been going on there. We still had like 733 00:32:17,360 --> 00:32:21,280 Speaker 2: a small out of pocket to pay for our business 734 00:32:21,280 --> 00:32:24,720 Speaker 2: Class upgrade, which fine, no worries. It was a couple 735 00:32:24,760 --> 00:32:26,960 Speaker 2: of one hundred dollars, but to us it was worth it. 736 00:32:27,240 --> 00:32:30,400 Speaker 2: But that's with us putting every single like out of 737 00:32:30,440 --> 00:32:33,480 Speaker 2: pocket expense on our credit card and paying it off 738 00:32:33,560 --> 00:32:37,080 Speaker 2: each month. So like when you say, oh, every weekend, 739 00:32:37,200 --> 00:32:40,320 Speaker 2: I'm like, oh, like we were putting everything we could 740 00:32:40,360 --> 00:32:41,720 Speaker 2: on that card to rack up points. 741 00:32:41,920 --> 00:32:45,640 Speaker 3: Yeah and yeah exactly. So with that in mind, if 742 00:32:45,880 --> 00:32:48,080 Speaker 3: it was flipped and yeah, the person running in was 743 00:32:48,120 --> 00:32:51,000 Speaker 3: in fact the one being savvy, I'm sure they would 744 00:32:51,000 --> 00:32:55,400 Speaker 3: be like quite protective of those points that they accumulated 745 00:32:55,440 --> 00:32:59,160 Speaker 3: over the years. And we're really intentional about and like, oh, 746 00:32:59,200 --> 00:33:01,400 Speaker 3: I'm putting everything on the cards that I can eventually 747 00:33:01,680 --> 00:33:04,600 Speaker 3: have a good upgrade. They're thinking about their future self 748 00:33:04,760 --> 00:33:07,080 Speaker 3: And I think that if it was flipped around, the 749 00:33:07,080 --> 00:33:10,840 Speaker 3: person writing and would not be like wanting their friend 750 00:33:11,120 --> 00:33:14,840 Speaker 3: to expect to have some of those points transferred to 751 00:33:14,880 --> 00:33:18,000 Speaker 3: them because you put in the work, babe, you deserve that. 752 00:33:18,840 --> 00:33:21,760 Speaker 3: But I get it with that now, the person writing 753 00:33:21,760 --> 00:33:25,560 Speaker 3: into us our listener, do get a card if you 754 00:33:25,760 --> 00:33:27,480 Speaker 3: feel like you're missing out, and. 755 00:33:27,520 --> 00:33:29,480 Speaker 2: But also be careful because it could be a slip 756 00:33:29,480 --> 00:33:32,360 Speaker 2: gery slope. Like I said before, do you know if 757 00:33:32,360 --> 00:33:35,400 Speaker 2: your friends her credit card like the business class upgrade 758 00:33:35,400 --> 00:33:38,560 Speaker 2: I'm promising you is not worth it if you're not 759 00:33:38,600 --> 00:33:40,520 Speaker 2: going to be responsible with your finances. 760 00:33:40,600 --> 00:33:42,400 Speaker 3: There's not It's not only credit cards right like you 761 00:33:42,400 --> 00:33:45,600 Speaker 3: can get here it is. Oh, I was thinking Flybys something. 762 00:33:45,400 --> 00:33:47,600 Speaker 2: Yeah, like fly By. Jess is the queen of fly Bys. 763 00:33:47,640 --> 00:33:50,040 Speaker 2: Like if I go shopping with Jess, I don't have 764 00:33:50,160 --> 00:33:51,000 Speaker 2: fly Bys. 765 00:33:51,640 --> 00:33:52,280 Speaker 4: I'm that friend. 766 00:33:52,360 --> 00:33:52,760 Speaker 1: I have. 767 00:33:55,040 --> 00:33:57,320 Speaker 2: Fly Bys, I just never bring the card. So if 768 00:33:57,360 --> 00:33:59,520 Speaker 2: I'm with Jess, I literally turned to her and go, 769 00:33:59,600 --> 00:34:01,640 Speaker 2: I don't my card, and she's like, oh, let me 770 00:34:01,680 --> 00:34:07,920 Speaker 2: grab mine. Like this woman worked so hard to wield 771 00:34:08,000 --> 00:34:10,239 Speaker 2: up her Flybys points that she bought a whole lass 772 00:34:10,320 --> 00:34:11,280 Speaker 2: kitchen aid mixer. 773 00:34:11,640 --> 00:34:14,440 Speaker 4: Yeah, that's at a dance in vacuum and AirPods. 774 00:34:14,640 --> 00:34:18,080 Speaker 2: Oh it's okay, it's been a while since we've had 775 00:34:18,120 --> 00:34:21,480 Speaker 2: a little bit of an upgrade or updates. Sorry, Can 776 00:34:21,560 --> 00:34:23,840 Speaker 2: I just break this down a little bit further? So 777 00:34:24,400 --> 00:34:26,439 Speaker 2: let's pretend Jess and I are going on holiday together. 778 00:34:26,520 --> 00:34:28,560 Speaker 2: We've been planning this holiday. Where do we want to go? Jess, 779 00:34:28,560 --> 00:34:31,360 Speaker 2: We're go go Barley or something. We're so excited. If 780 00:34:31,480 --> 00:34:33,560 Speaker 2: Jess then turned around to me and said, I've upgraded 781 00:34:33,600 --> 00:34:36,160 Speaker 2: myself to business and we're not flying together. 782 00:34:37,200 --> 00:34:37,840 Speaker 4: You've been miffed. 783 00:34:38,480 --> 00:34:41,359 Speaker 2: It's not about that you're in business. It's not about 784 00:34:41,400 --> 00:34:43,560 Speaker 2: the additional luxury. It's not about that. What do you 785 00:34:43,600 --> 00:34:45,920 Speaker 2: mean aren't we going on holiday together? Why aren't we 786 00:34:46,040 --> 00:34:46,800 Speaker 2: sitting together? 787 00:34:46,800 --> 00:34:47,840 Speaker 4: Like aren't we going to hang out? 788 00:34:47,960 --> 00:34:50,319 Speaker 2: Aren't we like keeping each other company on the long fly? 789 00:34:50,680 --> 00:34:54,759 Speaker 2: Like aren't we aren't we going on a holiday together somewhere? 790 00:34:55,000 --> 00:34:57,480 Speaker 4: Like That's what I feel is the bigger problem. 791 00:34:57,560 --> 00:34:58,759 Speaker 2: Why are you avoiding me? 792 00:34:59,160 --> 00:34:59,279 Speaker 1: Like? 793 00:34:59,440 --> 00:35:02,600 Speaker 2: I find that's so strange, Like I don't know, Like 794 00:35:02,960 --> 00:35:05,239 Speaker 2: when we go on a flight, like Jess and I, 795 00:35:05,320 --> 00:35:07,719 Speaker 2: we make sure we're picking our chairs so they're close 796 00:35:07,760 --> 00:35:09,600 Speaker 2: to each other because I want to be bored. 797 00:35:09,760 --> 00:35:12,080 Speaker 4: Yeah, Like what is that about? 798 00:35:12,440 --> 00:35:12,839 Speaker 2: I don't know? 799 00:35:13,000 --> 00:35:13,800 Speaker 1: Is that? No? 800 00:35:13,920 --> 00:35:14,279 Speaker 2: I get that. 801 00:35:14,320 --> 00:35:15,719 Speaker 3: I get that. That makes sense, So it's probably like 802 00:35:15,760 --> 00:35:17,840 Speaker 3: that's more the issue than the actual Yeah. 803 00:35:17,800 --> 00:35:20,080 Speaker 2: To me, that's more of an issue that your friends 804 00:35:20,120 --> 00:35:23,920 Speaker 2: just went and upgraded herself like talking without Like to me, 805 00:35:24,080 --> 00:35:26,080 Speaker 2: that's the red flag. The fact that she's been putting 806 00:35:26,080 --> 00:35:28,360 Speaker 2: all of your expenses on points Like I kind of 807 00:35:28,400 --> 00:35:30,880 Speaker 2: don't care. I'm like, okay, savvy girl is using her 808 00:35:30,920 --> 00:35:33,920 Speaker 2: credit card and you clearly don't have one, But why 809 00:35:33,960 --> 00:35:35,040 Speaker 2: don't you want to sit together? 810 00:35:35,719 --> 00:35:40,600 Speaker 3: Yeah, we fan what did the community have right? 811 00:35:40,680 --> 00:35:42,520 Speaker 2: So we had a chat with the community and we said, 812 00:35:42,560 --> 00:35:45,160 Speaker 2: what's your two cents? Some of you had a lot 813 00:35:45,160 --> 00:35:47,799 Speaker 2: of opinions that were very like ouse, and some of 814 00:35:47,840 --> 00:35:50,680 Speaker 2: you did point out that the red flag was actually 815 00:35:50,680 --> 00:35:55,080 Speaker 2: more about them upgrading without consultation, not because of the upgrade, 816 00:35:55,080 --> 00:35:57,520 Speaker 2: but because they're moving to a different part of the plane. 817 00:35:58,000 --> 00:36:00,839 Speaker 2: And some people had some cool opinions. So one person said, 818 00:36:00,840 --> 00:36:04,560 Speaker 2: it sounds like a potential value in compatibility. You need 819 00:36:04,600 --> 00:36:08,320 Speaker 2: better friends. Someone else said, if they weren't upfront about 820 00:36:08,360 --> 00:36:12,400 Speaker 2: spending for points, then it's just a shitty French. Someone 821 00:36:12,400 --> 00:36:14,680 Speaker 2: else said that's not the best way to start an 822 00:36:14,680 --> 00:36:18,400 Speaker 2: international trip, imo. Someone else said I'd be miffed, but 823 00:36:18,800 --> 00:36:23,560 Speaker 2: Godone else said mift yes. Someone else but good on 824 00:36:23,600 --> 00:36:26,160 Speaker 2: them for being smart, I guess. Someone else said, this 825 00:36:26,200 --> 00:36:28,520 Speaker 2: is a bit of a live and learn situation. Plus 826 00:36:28,600 --> 00:36:31,080 Speaker 2: the points may be worth it now, but the annual 827 00:36:31,080 --> 00:36:34,640 Speaker 2: fee isn't. Someone else said, I'd probably make the point 828 00:36:34,680 --> 00:36:37,040 Speaker 2: by not letting her pay for everything on the card 829 00:36:37,160 --> 00:36:40,800 Speaker 2: moving forward, I feel like that's probably a good summary 830 00:36:40,920 --> 00:36:44,239 Speaker 2: of everybody's opinions. I don't think I have hips to 831 00:36:44,640 --> 00:36:48,240 Speaker 2: add to that, Like, yes, it might be annoying in hindsight, 832 00:36:48,280 --> 00:36:50,520 Speaker 2: behindsight is twenty twenty right totally. 833 00:36:50,560 --> 00:36:52,920 Speaker 3: And also, do you remember that the holiday is not 834 00:36:52,960 --> 00:36:54,960 Speaker 3: the travel there, I know it would suck to not 835 00:36:55,000 --> 00:36:58,080 Speaker 3: sit together, but the holiday is actually the destination, isn't 836 00:36:58,080 --> 00:37:00,359 Speaker 3: it exactly not the journey. 837 00:37:00,600 --> 00:37:04,680 Speaker 2: In that situation, In that particular situation, it's not about 838 00:37:04,680 --> 00:37:08,200 Speaker 2: the journey. It's about the destination. I love that. All right, Well, 839 00:37:08,200 --> 00:37:10,480 Speaker 2: that's a really good place to leave it. Have the 840 00:37:10,480 --> 00:37:13,160 Speaker 2: best week, guys. I'll see you tomorrow for a Sneaky 841 00:37:13,239 --> 00:37:16,040 Speaker 2: solo episode and then on Monday, brianon Early for a 842 00:37:16,120 --> 00:37:23,480 Speaker 2: money dary. Have a good weekend, guys, Hi, guys Bie. 843 00:37:25,360 --> 00:37:27,880 Speaker 2: The advice shared on She's on the Money is general 844 00:37:27,960 --> 00:37:31,800 Speaker 2: in nature and does not consider your individual circumstances. She's 845 00:37:31,840 --> 00:37:35,240 Speaker 2: on the Money exists purely for educational purposes and should 846 00:37:35,320 --> 00:37:38,520 Speaker 2: not be relied upon to make an investment or financial decision. 847 00:37:38,880 --> 00:37:41,319 Speaker 2: If you do choose to buy a financial product, read 848 00:37:41,360 --> 00:37:45,520 Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards 849 00:37:45,520 --> 00:37:46,080 Speaker 2: your needs. 850 00:37:46,440 --> 00:37:50,400 Speaker 6: Victoria Divine and She's on the money. Are authorized representatives 851 00:37:50,440 --> 00:37:54,480 Speaker 6: of money. Sheper pty Ltd ABN three two one six 852 00:37:54,640 --> 00:37:58,520 Speaker 6: four nine two seven seven zero eight AFSL four five 853 00:37:58,600 --> 00:38:01,680 Speaker 6: one two eight nine. 854 00:38:03,640 --> 00:38:04,200 Speaker 1: The work