Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Order
Speaker 1: Order Kerney Whoalbury and a waddery woman. And before we
Speaker 1: get started on She's on the Money podcast, I would
Speaker 1: like to acknowledge the traditional custodians of the land of
Speaker 1: which this podcast is recorded on a wondery country, acknowledging
Speaker 1: the elders, the ancestors and the next generation coming through
Speaker 1: as this podcast is about connecting, empowering, knowledge sharing and
Speaker 1: the storytelling of you to make a difference for today
Speaker 1: and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 2: Hello, and welcome to She's on the Money, the podcast
Speaker 2: for millennials who want financial freedom. Today, my friends, is
Speaker 2: Beck's birthday. Who It's also Friday, but that means it
Speaker 2: is time to get our little team together and celebrate you,
Speaker 2: Beck and our incredible She's on the Money community. Today
Speaker 2: is just goody. She's going to be sharing some of
Speaker 2: our favorite money wins, Miss Birthday becks Ed is going
Speaker 2: to be sharing her best broke tips, and we're going
Speaker 2: to be helping to answer a juicy money dilemma, which
Speaker 2: this week is all about budgeting around a complicated lifestyle,
Speaker 2: and we're gonna unpack something that you slid into our
Speaker 2: DMS about this week. We're talking about sharing points with friends,
Speaker 2: which Beck offline seemed very excited to talk about.
Speaker 4: Is that right?
Speaker 2: Like why are you so excited about that?
Speaker 5: It seems so like like wow, what do you do?
Speaker 2: Like how does that work?
Speaker 5: How does this all work?
Speaker 2: I love it.
Speaker 5: I'm excited, like I won't go into it too much.
Speaker 2: Okay, okay, we'll get there. But first things first are
Speaker 2: happy Birthday and tells your day and week.
Speaker 4: Then thank you so much.
Speaker 5: I feel so I love, love, love my birthday. I
Speaker 5: try and extend it for as long as possible. House
Speaker 5: party on Saturday was beautiful. All my friends were around,
Speaker 5: and I just felt so loved. All my buckets were full.
Speaker 5: Today's the day, the day day. But it won't end
Speaker 5: there because I'm going to.
Speaker 2: This episode comes out on Friday, so like people are
Speaker 2: going to be wishing you a happy birthday literally at
Speaker 2: the end of the week.
Speaker 5: Exactly, how good, exactly I've got plans all the end
Speaker 5: of August. I love it. I'm just having the best time.
Speaker 2: It's a genius. I love this someone who also loves
Speaker 2: a birthday week. Mister gretchy week, bean Goo ahead.
Speaker 4: I haven't done anything very exciting. I've just been sitting
Speaker 4: at home working on my craft.
Speaker 2: I've been working on my craft.
Speaker 4: It's been like very except today it's been quite rainy
Speaker 4: and cold, so I feel like it's perfect weather to
Speaker 4: sit inside and do something crazy.
Speaker 2: It's so cute craft.
Speaker 4: Have you been ready through?
Speaker 1: All right?
Speaker 2: I'm ready.
Speaker 4: It's like done the thing where I've started. I got
Speaker 4: really excited about many things, and now I have many
Speaker 4: half do things. So I bought a bunch of vintage stamps,
Speaker 4: just like randomly to store.
Speaker 2: I saw that and I was confused.
Speaker 4: Yeah, I'm turning them into a phone case, which is
Speaker 4: very fun. Oh okay, I'm collecting vintage stamps from countries
Speaker 4: that i've been So I bought like this big bulk
Speaker 4: a lot of stamps because they were really pretty and
Speaker 4: they were so cheap.
Speaker 2: How many stamps did you get?
Speaker 4: I think I got like two hundred or something like
Speaker 4: four dollars, and I.
Speaker 2: Just that's a good deal. You can't use them though,
Speaker 2: you know that, right.
Speaker 4: But I just thought they were very pretty and there
Speaker 4: was something about them that appealed, So I'm toying with
Speaker 4: the idea of either doing like all blue because I
Speaker 4: sorted them all by color. That's very that's very yes,
Speaker 4: So like I could do like all blue stamps, or
Speaker 4: like I was digging through seeing like what countries because
Speaker 4: they're from all over the world, and I found a
Speaker 4: lot from countries I've been to, So I was like,
Speaker 4: maybe it could be like suitcase stickers, make a phone
Speaker 4: case with like stamps from vintage stamps from countries, so
Speaker 4: that doing that.
Speaker 2: And then could make a kindle case because you have
Speaker 2: so many so cute.
Speaker 4: Well, funny you mentioned the kindle I bought a bunch
Speaker 4: of new kindlestickers, so you did freshing the kindle case.
Speaker 4: And then when I was doing sewing of I'm working
Speaker 4: on my new favorite hobby. I'm sewing a quilted tote. Okay,
Speaker 4: I love this. I've quilted it so far. It's not
Speaker 4: shaped like a cute it is really cute, and I
Speaker 4: love feasted the fabric, so if I cook it, it's
Speaker 4: not too bad. It's because fabric's expensive, so it was
Speaker 4: like four dollars or something.
Speaker 2: Okay, but that's not the point. It's cute.
Speaker 4: It's she it's fun. So we'll see how that goes.
Speaker 4: And then lastly I realized I was doing the little screen,
Speaker 4: medium screen, big screen at night, like I was watching
Speaker 4: TV and I have my laptop open and I was
Speaker 4: on my phone, and I was like, she's actually port screen.
Speaker 4: That is awes. So I bought a little crocheky and
Speaker 4: I'm trying to crochet a bag at like walle, So
Speaker 4: I watch TV and crochet so my hands are busy.
Speaker 5: That's really really cute.
Speaker 2: That's actually so wholesome.
Speaker 4: That is so yes many a craft.
Speaker 2: Yes question. When you were a kid and someone gave
Speaker 2: you like a box of Smarties, did you sort them
Speaker 2: my color and then eat colors in isolation?
Speaker 4: Absolutely, certls taste better than others. They taste all the same,
Speaker 4: but the brown Eminem's taste the best. At double chocolate,
Speaker 4: that's what you are. I always not be argued with.
Speaker 5: The red tasted better and also doubles the lip. What's
Speaker 5: that red steel?
Speaker 2: It also doubles is that you're broke to.
Speaker 5: That's incredible.
Speaker 2: Yeah, just your smartest it's like made out of beetles.
Speaker 4: I don't want to think about it.
Speaker 2: Yeah, no one out of ten. I am, well, I
Speaker 2: think I told you last week that Steve decided to
Speaker 2: injure himself at soccer, so that wasn't really that fun.
Speaker 2: I think I mentioned it, But two broken ribs, are
Speaker 2: punctured lung, a broken scapular, and a whole heap of
Speaker 2: other stuff like separated a sea joint, like significant stuff.
Speaker 2: I've been his care this week, which has been really fun,
Speaker 2: because it turns out having a four month old and
Speaker 2: a husband who can't pick up your four month old
Speaker 2: is actually not that fun in theory. Maybe you thought
Speaker 2: it would be.
Speaker 4: Now you're double caretaking, you've got two children.
Speaker 2: Fun, but for everyone, so that's been really I won't
Speaker 2: say fun, it's just kept me really busy, and like
Speaker 2: in between that and work and like obviously we've spoken
Speaker 2: about this, Steve was the primary parent and I was
Speaker 2: back at work, so that's definitely put a spanner in
Speaker 2: the works. Just I don't have time for crafts right now,
Speaker 2: although I did fall victim to the algorithm again and
Speaker 2: I'm surprised I didn't send this to you, But there
Speaker 2: is this company in the US that does crochet kids
Speaker 2: of mini characters, and they send you everything you need
Speaker 2: to learn to crochet, and I have ordered a baby
Speaker 2: dinosaur so that I can learn to crochet. And I
Speaker 2: need to send it to you because I just I
Speaker 2: saw it and I was like, this is so Jess,
Speaker 2: and then I think I got wrapped up in purchasing
Speaker 2: it that I forgot to send it to you.
Speaker 4: I want to crochet, you know, the sad Mouse. That's
Speaker 4: my assa like picture. No, the sad Hamster.
Speaker 2: Yeah, the sad Hamster with their little.
Speaker 4: The meme where it would be like I'm just a
Speaker 4: girl mirror and I was like the violin music of
Speaker 4: this hamster, like and people were making them look like themselves.
Speaker 4: So my slack picture fame.
Speaker 2: Because you choose to work from home, which you know
Speaker 2: everyone in our team has the option. We actually do
Speaker 2: have an office and all the Zella girls they have
Speaker 2: those as key rings.
Speaker 5: You know, yeah, you'd be that's so jealous.
Speaker 2: I walked in and it was like is Jesse yah
Speaker 2: And they were like no, I would just be here
Speaker 2: and I was like, just looks like, Jess, it's been here.
Speaker 4: I saw people crocheting the Sad Hamster, So that will
Speaker 4: be a project at some point.
Speaker 2: You No, I do not put that on me. If
Speaker 2: you want to help learning how to use your sewing machine,
Speaker 2: I'm your girl crocheting. I still am pretty certain I'm
Speaker 2: going to throw that out the window real quick. But
Speaker 2: let's get into the crux of the show, and it's
Speaker 2: just Gricci. This week, you've been saying that there have
Speaker 2: been some pretty good money wins. Yes, what if people
Speaker 2: brought to the table.
Speaker 4: Firstly, I've got a money win from Meg, who said
Speaker 4: she made a few purchases on deep hop. She had
Speaker 4: some great quality items at a bargain price. We love
Speaker 4: a secondhand cluthing purchase.
Speaker 2: I bought a dress online Scanlon Theodore d Pop but
Speaker 2: I messaged her a couple of weeks ago and said
Speaker 2: would you take X for it because it was a
Speaker 2: bit expensive, and she said no, and then it didn't sell.
Speaker 2: It didn't sell, so I was like I'm still open
Speaker 2: and she said yeah, let's do it and I was
Speaker 2: like yes, sorry wins.
Speaker 4: See that's the best feeling when you just wait and
Speaker 4: wait and the universe says okay, haven't Yeah.
Speaker 2: Was like originally I was like, I'm not paying that
Speaker 2: for that, Like I do like the dress, but like
Speaker 2: I don't need the dress and then she made me
Speaker 2: need the dress, so that was nice.
Speaker 4: Love that for you. Well done to both of you. Next,
Speaker 4: I've got a money win from kallany. I hope that
Speaker 4: I'm saying that correctly. She said that she switched her
Speaker 4: Netflix plan from Premium, which is twenty six bucks a month,
Speaker 4: to standard with ads, which is only eight, because she
Speaker 4: figured she's not really watching Netflix that much except for
Speaker 4: on the weekends. The standard plan with ads is apparently
Speaker 4: not too bad. It's barely one or two ads per episode,
Speaker 4: and she's now saving herself almost twenty bucks.
Speaker 2: That's something you should do because you're not even focusing
Speaker 2: on Netflix. Literally, I'm just sitting I feel like an ad.
Speaker 4: You need ads, And I was like, I actually should
Speaker 4: do that.
Speaker 2: That's really so be for real? Did you just say
Speaker 2: that a Netflix subscription is now twenty six dollars? In
Speaker 2: my head? Netflix eight? Okay, so about the same. Yeah,
Speaker 2: what do you mean twenty six dollars with some ads?
Speaker 4: We don't scam off our friends.
Speaker 2: They don't let you anymore. But you still have my
Speaker 2: Disney logan.
Speaker 4: I was gonna say, I definitely do not do any
Speaker 4: illegal password sharing.
Speaker 2: No, we would never Moving on, Yeah.
Speaker 4: Absolutely quick, quick quick. Next, I've got a money in
Speaker 4: from Rainer, who said she loves click and collect from Wally's.
Speaker 4: One time she ordered one tomato and one bunch of
Speaker 4: bccoli because that's all she needed. She unpacked it, she
Speaker 4: had five tomatoes and two bunches of broccoli.
Speaker 2: Then someone was like, you deserve this. Literally.
Speaker 4: She ordered bacon and ham for lunches last week and
Speaker 4: she says she doesn't know what happened, but they doubled it.
Speaker 4: She's only paid for one. They'd give it her as
Speaker 4: much as what she ordered. She said, money wins, click
Speaker 4: collect is the way to go, Oh my god, you're
Speaker 4: doing this.
Speaker 2: Yes? Can I also add in a little bit of
Speaker 2: my own money win because it like is writing on
Speaker 2: the coattails of hers. Now, you would think that ordering
Speaker 2: groceries on Uber eats, that's ridiculous, right, like why would
Speaker 2: you do that? But I got a notification the other
Speaker 2: day and it said get twenty dollars off groceries on
Speaker 2: Uber eats, And I was like, okay, I'll have a look,
Speaker 2: I'll click like I love saving money, and it was
Speaker 2: twenty dollars off when you spend more than forty five
Speaker 2: dollars and so it cost me way less to buy
Speaker 2: all of Harvey's formula. I bought two tins of formula,
Speaker 2: got twenty dollars off, and it got delivered and it
Speaker 2: was basically like free delivery as well.
Speaker 4: Oh that's so good.
Speaker 2: Is that not a money win?
Speaker 5: Yeah?
Speaker 2: Formula is so expensive too, and.
Speaker 4: I feel like it probably doesn't go on sale that often, right.
Speaker 2: Not that I've noticed. Yeah, I mean I've only been
Speaker 2: here for a short period of time, and in that time,
Speaker 2: I've realized it's obnoxious.
Speaker 4: Right, I love that. Well done. Next, I've got money
Speaker 4: in from Jewels, who said she received her monthly power
Speaker 4: bill for one hundred and ninety dollars, which seemed higher
Speaker 4: than her bills normally are. She scrolled through the document
Speaker 4: and she noticed that it was an estimated figure, so
Speaker 4: she checked her own meter, and turns out once she
Speaker 4: submitted the correct reading to her company, it was actually
Speaker 4: only one hundred and fifty dollars.
Speaker 2: Okay, that is something we all should be doing. Yeah,
Speaker 2: you can check the meta, you can take a photo
Speaker 2: of it, you can send it in and they will
Speaker 2: honor it.
Speaker 4: So what you got to check your own meter? They
Speaker 4: don't send someone out. They do it usually once a quarter,
Speaker 4: and so that's your besh market. Yeah, I see, Okay,
Speaker 4: why they digitize that now, I don't know why they don't.
Speaker 2: Like because I don't know how you digitize the meters. Honestly,
Speaker 2: they have those little ticking numbers, and I've always been like,
Speaker 2: what if I maxed out the ticking number and then
Speaker 2: I start again? Used one like the odometer on your car,
Speaker 2: like once you've reached a million kilometers, Yes, your car's
Speaker 2: brand new.
Speaker 4: Light hack. Last, we've got money in this week from
Speaker 4: Aaron who said her textbook from UNI was going to
Speaker 4: cost her almost two hundred bucks.
Speaker 2: Past obnoxious. I don't miss those days.
Speaker 4: That is daylight robbery. I'm sor sorry. She found a
Speaker 4: copy that on Facebook Marketplace was brand new and she
Speaker 4: got it for thirty bucks.
Speaker 2: Oh do you know what I wish Facebook, market Place
Speaker 2: and deepop existed. When I had to buy my university textbooks,
Speaker 2: getting them secondhand was incredibly hard. You'd have to like
Speaker 2: go to the library or like the secondhand shop at
Speaker 2: the UNI, and like everybody else had already done that,
Speaker 2: so there was nothing there.
Speaker 6: Yeah.
Speaker 1: Oh well.
Speaker 4: Some are also commented right under Aaron and said a
Speaker 4: lot of unis now have a textbook exchange or their like.
Speaker 4: Student portals will often have like boards or Facebook groups
Speaker 4: where people are looking, you know, to on sell their
Speaker 4: last year.
Speaker 2: Isn't it good to live in twenty twenty five? Life?
Speaker 1: Being here?
Speaker 2: It's so good?
Speaker 5: On the flip side, maybe we're only here because the
Speaker 5: cost of living is so damn high. Literally, Okay, well,
Speaker 5: well I'm nice way to bring And since you've brought
Speaker 5: this up, just I'm assuming you're done.
Speaker 2: Would you like to take sender stage? What if you
Speaker 2: got to bring to the table?
Speaker 5: It's so negative, I don't know why it's literally and
Speaker 5: I'm just so bitter. I think maybe this is what
Speaker 5: happens when you hit two.
Speaker 2: Like cozy libs.
Speaker 5: I'm done, and I was bitter about something else before.
Speaker 5: I can't remember what it was, but anyway I do
Speaker 5: have that's.
Speaker 2: The best way to be bitter about things that you
Speaker 2: can't even remember exactly exactly.
Speaker 5: I really am putting into a boomer.
Speaker 2: So apart from using Smarties as free lipstick, what if you.
Speaker 5: Got beck is not a bad idea, though, I've got
Speaker 5: to say, do try do you reckon?
Speaker 2: It's like a lip stain.
Speaker 4: Dolly Parton used to do it with berries. Apparently. I
Speaker 4: just watched the DCC up Country and they had Dolly
Speaker 4: Parton was the guest that Super Bowl. She answered the
Speaker 4: DCC last year, Dolly Putton my co god her too
Speaker 4: as much as Dolly Parton.
Speaker 2: Her lack of belly button is unnerving. Yeah, like, like
Speaker 2: do the maths don't work out?
Speaker 1: Why?
Speaker 5: Incredible? I just have a flashback of my mum in
Speaker 5: the bathroom trying to die hair with beetroot juice, like
Speaker 5: canned beetroot juice, and it does work. It's just music,
Speaker 5: organic be.
Speaker 2: I have questions. I have so many questions.
Speaker 5: It was very funny.
Speaker 2: My mind is very funny, and you can't say it okay,
Speaker 2: But like my questions arise from the fact that you
Speaker 2: have naturally black hair. Color is your mum's, yeah.
Speaker 5: I know, shockingly she's blonde. She actually yeah, with blonde hair.
Speaker 1: I know.
Speaker 2: See my mom's really blonde too, and everyone meets her
Speaker 2: and they're like, that is not what we expected.
Speaker 5: Shocking happens.
Speaker 2: Don't judge me exactly.
Speaker 5: Don't judge a book by its mother.
Speaker 2: They do say that, all right, what is your first
Speaker 2: broake tip.
Speaker 5: Okay, so this person one comes from Andrea. This is
Speaker 5: actually really really cools as the thing, so Andrew says,
Speaker 5: I have kids, so do multiple loads of washing a week.
Speaker 5: I've started using the delay start setting on my washing
Speaker 5: machine so that will run wash cycle overnight during off
Speaker 5: peak electricity.
Speaker 2: Then, very what the heck is an off peak electricity?
Speaker 4: Oh my gosh, bell Oh, I can tell you all
Speaker 4: about it because my gas electricity bill was nearly eight
Speaker 4: hundred dollars the last two months.
Speaker 2: Eight hundred dollars. That's close, honestly, Like she's asking for this.
Speaker 4: Bea we've been dropped've dropped our temperature.
Speaker 2: Oh okay, that Jess's house, Like if you walked into it,
Speaker 2: you'd be like, wow, this is a sauna. Like I'm
Speaker 2: pretty sure last time we were talking about this, you're like, yeah,
Speaker 2: we just have it set at twenty seven year round
Speaker 2: and I was like twenty four okay, okay, Richie, rich
Speaker 2: so what have you had to drop it to?
Speaker 4: We keep it at like nineteen twenty now, and we
Speaker 4: really want i know, freezing and taf comeically Jessica. Yeah,
Speaker 4: we're actually in a talk to our landlord because we reckon,
Speaker 4: there's something wrong because our usage has gone up like
Speaker 4: significantly since last year, but we're we're using it anymore.
Speaker 4: I'm worried that anyway. Not the point.
Speaker 2: No, we want to hear this because that's a fight.
Speaker 2: I'm willing to crazy listening on.
Speaker 4: They charge you more for electricity during certain hours of
Speaker 4: the day. It's like on your bill. If you look
Speaker 4: at it, if you say, we're dissecting it to figure
Speaker 4: out why on earth your bill was eight hundred dollars,
Speaker 4: it will show you they charge you a higher rate
Speaker 4: during peak usage times, which is usually like middle.
Speaker 2: Of the day when everybody else is using it.
Speaker 4: Yeah, like through that, I think. I think ours is
Speaker 4: like maybe seven o'clock, eight o'clock something I remember. So
Speaker 4: it's actually a lot cheaper to run. If you're doing laundry,
Speaker 4: if you have to run the dryer or something like that,
Speaker 4: it's often cheaper to do it in the evening or
Speaker 4: in the very early morning.
Speaker 5: Okay, And does it change daily?
Speaker 4: No, peak time should be the same every day.
Speaker 5: Yeah, Oh my goodness, that's sick.
Speaker 4: I don't know. You could delay stuff.
Speaker 2: I don't know. Now they do because you're putting it
Speaker 2: on the podcast.
Speaker 5: Well, I hope everyone does. I'm gonna tell my housemates
Speaker 5: about it that it was just so like my mind
Speaker 5: was blown. Anyway, that's really clever and obviously, as you
Speaker 5: would have shared last week when I wasn't here, that
Speaker 5: if you use cold water it significantly reduces the we
Speaker 5: did share that incredible So thank you so much, Andrew,
Speaker 5: and thank you so much Fee for reading that one
Speaker 5: out lost.
Speaker 2: Jess said that she always watches her stuff in warm water,
Speaker 2: and I was delicate, but then I was like, oh,
Speaker 2: are you also the girl that shrunk too really expensive
Speaker 2: jumpers in the recent past.
Speaker 4: No, I would not to confirm on tonight.
Speaker 2: All right, Beck, what is your second from the community?
Speaker 5: Broke to Okay, So this second one, I don't know
Speaker 5: how you guys are going to feel about this, but personally,
Speaker 5: I love this for so many different reasons. This one
Speaker 5: comes from Michelle. She says that she's basically it's quite
Speaker 5: a long one.
Speaker 2: You can see I'm not going to read it, and
Speaker 2: you're going to tell I'm going.
Speaker 5: To summarize it. And I'm so sorry Michelle if in
Speaker 5: advance I kind of mutu it. Yeah, obviously, Jess, you're
Speaker 5: talking about pottery before off air, and we'll.
Speaker 2: Kind of just pinner crafting era.
Speaker 4: Yeah, painted pottery too.
Speaker 2: I saw on Instagram. I was like, oh, what is that?
Speaker 2: And then I was like, that is a potter's wheel
Speaker 2: washing Jessica.
Speaker 5: So basically personally, I love playing in dirt, and adults
Speaker 5: should be playing in dirt. I feel like not should nothing,
Speaker 5: No one should be.
Speaker 2: I'm going to give you my kid and you can
Speaker 2: do the.
Speaker 5: Exposure stuff, which absolutely I love it. I love it. It
Speaker 5: just makes you feel so silly and fun and close
Speaker 5: to nature. Anyway, it's so much fun. What Michelle did
Speaker 5: was she made clay or she did was have a
Speaker 5: bucket of water and a stick and got some soil
Speaker 5: from her yard that was rich in clay. I should
Speaker 5: give it. She literally made clay to do like pottery,
Speaker 5: which I think is so cool.
Speaker 2: And I love that she's gone. I guess foraging for
Speaker 2: natural clay. Is that what you're saying.
Speaker 5: I think she has like soil in her yard that's
Speaker 5: rich in clay. But you can also like I don't
Speaker 5: know if people listening to this or in Victoria where
Speaker 5: you are in the world, but in Victoria, would you
Speaker 5: have like red Hill on the peninsula full of like
Speaker 5: red beautiful clay, Like you can make clay from just
Speaker 5: clay playing in the dirt.
Speaker 2: You couldn't make clay from clay, saying.
Speaker 5: And I never thought about that before. You can make
Speaker 5: cute and then you can like make beautiful bowls for
Speaker 5: gifts or for yourself whatever.
Speaker 2: Jess, did you forage for your own clay when you
Speaker 2: were playing Posha? Recently?
Speaker 4: I foraged within the crater room that was provided at
Speaker 4: the place that I paid to reuced.
Speaker 2: I really try, what do you bring to the table today?
Speaker 5: This one actually happened upon this week, you.
Speaker 2: Happened upon or your girlfriend happened upon No.
Speaker 5: Genuinely mean yes. So I've been having to use ubers
Speaker 5: my cars in a really bad way. And there's a
Speaker 5: section in Uber that is called promotions, and it's it's
Speaker 5: like basically hidden, but you can find it if you
Speaker 5: just go to your account and then it will say
Speaker 5: you have multiple promos, and then you go into promotions
Speaker 5: and you'll see that you have like say, for example,
Speaker 5: thirty percent off three trips up to thirty dollars three
Speaker 5: trips left, twenty percent off three trips up to thirty
Speaker 5: dollars three trips left, and these are like they'll give
Speaker 5: you the date that you're allowed to use them between
Speaker 5: and all this kind of stuff. But like this thing,
Speaker 5: they don't just like they don't come out and tell
Speaker 5: you about this. You gotta literally find it.
Speaker 2: To go find it, Yeah, to find it. I think
Speaker 2: they might.
Speaker 5: Automatically apply it. If your trip does, you know, tick
Speaker 5: all the boxes for that particular thing, then will automatically
Speaker 5: apply it. Unless you know exactly what your promos are,
Speaker 5: you'll never get the opportunity to use them. I love that. Everyone,
Speaker 5: right now, go into you uber account and check out
Speaker 5: what your promos are and use them, because we're not
Speaker 5: getting our money's worth here, you know. So that's my
Speaker 5: broke tip for this week.
Speaker 4: That's a good one.
Speaker 2: That is a good one. I love it. All Right, guys,
Speaker 2: let's go to a really quick break because on the
Speaker 2: flip side, we're going to be talking about budgeting around
Speaker 2: a complicated lifestyle. And Beck is really excited to be
Speaker 2: talking about this week's DM which this week we're talking
Speaker 2: about sharing points with friends. So guys, don't go anywhere.
Speaker 2: Welcome back, everybody.
Speaker 4: Let's take a listen to this week's money dilemma.
Speaker 2: Hi, there, have you got a money dilemma you just
Speaker 2: can't solve? The Sheese on the Money Team is here
Speaker 2: to help. Every week, we tackle your dilemmas, both big
Speaker 2: and small, to answer your most burning money, career and
Speaker 2: life questions. To get involved, simply head to our website
Speaker 2: and leave us a short voice recording and you might
Speaker 2: just find yourself on the show. Now, let's take a
Speaker 2: listen to this week's money dilemma.
Speaker 6: Hi, She's on the Money Team. I'm twenty five years
Speaker 6: old and currently a yoga teacher. I have a really
Speaker 6: complicated lifestyle at the moment, which I'm very grateful for,
Speaker 6: but it does make it hard when it comes to
Speaker 6: budgeting and saving money. I go Overseas regularly on a
Speaker 6: work exchange to teach yoga, which I don't earn an income,
Speaker 6: and when I come back home to Australia, I either
Speaker 6: go work up in the Minds at a cafe or
Speaker 6: work as a yoga teacher. My income is always so
Speaker 6: different and I find it really hard to budget and
Speaker 6: save money because of this. When I do go overseas,
Speaker 6: I feel as though I'm spending way too much money
Speaker 6: because I'm not sticking to a budget, even though I'm
Speaker 6: doing things I like, like going out for food and
Speaker 6: sometimes partying and doing things I enjoy. I just come
Speaker 6: home every time from an overseas adventure and think to myself, Wow,
Speaker 6: I spend way too much money. And then I do
Speaker 6: come home and I work for it back up and
Speaker 6: then go overseas again. But it's such a non consistent income.
Speaker 6: Sometimes it's a really good income from the mind. Sometimes
Speaker 6: it's a really low income from working at a cafe
Speaker 6: or yoga teaching. My question is, how can I budget
Speaker 6: to make this a little more savvy. How can I
Speaker 6: work on saving some more money and making this more
Speaker 6: consistent so I can put some money towards my investments
Speaker 6: as well. Any advice would be appreciated. Thank you.
Speaker 2: This feels very beck cooded.
Speaker 5: That has been very back odd, But I do remember Victoria. Actually,
Speaker 5: like last year someone messaged us with a it was
Speaker 5: kind of similar. They were a freelancer and they were
Speaker 5: kind of like, some months I make X amounts, someons
Speaker 5: I make.
Speaker 2: Some days I maybe good, some days maybe.
Speaker 5: Shit exactly well. And I'm maybe be saying and this
Speaker 5: could be different now, but you said average it out
Speaker 5: over twelve months.
Speaker 2: And I'm going to see myself out. I am not
Speaker 2: needed on this podcasting, Is that right? Yeah? I keep going.
Speaker 5: I ridged it out over twelve months with your expenses,
Speaker 5: average your expenses over twelve months, and then average your
Speaker 5: income over twelve months. Yeah no, yeah, yeah yeah. And
Speaker 5: then if you make ten thousand one month, for example,
Speaker 5: but you your average is two thousand a month, you're
Speaker 5: only spending two thousand a month. Yeah, something like that.
Speaker 2: No, no, no, that is absolutely on the money, which is
Speaker 2: money for most reasons here.
Speaker 5: That's crazy effects on the money, which in the intro
Speaker 5: to bexs on the money.
Speaker 2: Yeah that's fine. That's your birthday, so you get whatever
Speaker 2: you want. Yes, that is absolutely true. So what I
Speaker 2: would say is understand your budget. And I think that
Speaker 2: you you sounded like you're having the best life. I
Speaker 2: don't know, but did you notice Jess being like ooh,
Speaker 2: I'm like, are you pondering a career change? You want
Speaker 2: to go to be a yoga teacher? Like I wouldn't
Speaker 2: be surprised at this point she's become a pilates girlie.
Speaker 2: It's a slippery slope, fue. I feel like this is
Speaker 2: a really good example of you're living your best life.
Speaker 2: You're clearly enjoying it, but money is getting in the way.
Speaker 2: And so what we want to do is understand what
Speaker 2: Beck was saying. We want to understand our expenses. So
Speaker 2: how much are you on average spending every single month?
Speaker 2: But we want to budget on an annual But we
Speaker 2: want to budget on an annual basis, right, because there
Speaker 2: are going to be like once a year costs like
Speaker 2: insurances or Red Joe that we need to pay for.
Speaker 2: So over the year, have a look at how much
Speaker 2: money you actually need to bare minimum survive. Right, So
Speaker 2: let's pretend it's two thousand dollars a month. Let's start there.
Speaker 2: Then we're going to look at how much we earn.
Speaker 2: So over the last year, you would have done some
Speaker 2: work in the minds, you would have done some yoga teaching,
Speaker 2: you would have worked in the cafe a little bit.
Speaker 2: You're going to take that income, add it all together
Speaker 2: and divide it by twelve. How much on average was
Speaker 2: that per month? So you're gonna look at that and go,
Speaker 2: let's pretend you know this is just for argument's sake,
Speaker 2: your expenses are two thousand dollars a month, and then
Speaker 2: you're earning four thousand dollars a month, right, So that
Speaker 2: means on average you've got two thousand dollars in additional income.
Speaker 2: That's twenty four thousand dollars a year. So what we
Speaker 2: want to do is make sure that every month we
Speaker 2: are allocating two thousand dollars and putting that to the side,
Speaker 2: and then any additional when we're not traveling, when we're
Speaker 2: not doing the big expenses, we're putting it to the side.
Speaker 2: The month after, let's pretend it's one of those big
Speaker 2: travel months. We aren't trying to overspend, Like if you
Speaker 2: had a ten thousand dollar month, because like I don't know,
Speaker 2: maybe you're out in the minds and you're earning the
Speaker 2: big dollars and instead of it being a four thousand
Speaker 2: dollar income month like usual, maybe you have an eight
Speaker 2: thousand dollar month because you've had a big month, you've
Speaker 2: done some overtime. That doesn't mean we blow out. That
Speaker 2: means we take now six thousand dollars and put that
Speaker 2: into the savings account so that next month, maybe you're
Speaker 2: traveling and don't have an income, we can still pay
Speaker 2: our two thousand dollars in base amount of expenses and
Speaker 2: then we can use the surplus and what's left over
Speaker 2: for the travel and they're eating out and all of that.
Speaker 2: So what we want to do then is have at
Speaker 2: home budget, so we've got our everyday budget the expenses
Speaker 2: that are not going to change. For some people, that
Speaker 2: could be like rent. Maybe you're paying rent or you're
Speaker 2: overseas still. But then I want to know what your
Speaker 2: budget for your holidays are. So if you're going overseas
Speaker 2: to teach yoga, does that change depending on the country
Speaker 2: you're in. Maybe if you're teaching in Thailand, it's much
Speaker 2: cheaper than if you were going to France. So we
Speaker 2: need to make sure that we understand, well, what is
Speaker 2: a daily budget, how many days am I going for?
Speaker 2: What does this look like? So that you can start
Speaker 2: to allocate the funds towards that. So when you get home,
Speaker 2: you're not shot in the four and you don't have
Speaker 2: the money that you need for the expenses that are
Speaker 2: ultimately always going to be there. Does that make sense?
Speaker 2: Just do you have any tips.
Speaker 4: And tricks, nothing to add other than you did a
Speaker 4: full episode a few years ago call budgeting for variable income,
Speaker 4: which goes into that, and you know a few other
Speaker 4: like systems and processes people could consider in like a
Speaker 4: whole episode. So if you want a bit more info,
Speaker 4: I would go listen to that because a really good YEP, I.
Speaker 2: Did it, So I agree turn out of ten. Would
Speaker 2: you guys like to move on to this week money dilemma?
Speaker 4: Absolutely?
Speaker 2: So this week we got a dam sounded exactly like this,
Speaker 2: because guys, I am reading it verbatim. Hi, I need
Speaker 2: a vibe check on this. Every weekend my friend and
Speaker 2: I go out for dinners, drinks, and the occasional shopping
Speaker 2: spree must be nice. They always put everything on their
Speaker 2: fancy new credit card to rack up points, and I
Speaker 2: transfer them my share after Now we're planning for an
Speaker 2: overseas trip and they just announced that they're using those
Speaker 2: points to upgrade to business class. They didn't even offer
Speaker 2: to share the perks, despite the points being partly from
Speaker 2: our shared expenses. I'm feeling pretty miffed. It's like I
Speaker 2: helped build these points and now they're flying in luxury
Speaker 2: while I'm stuck back in economy. I get that they
Speaker 2: technically paid, but it stings that they didn't ask if
Speaker 2: I wanted to split the upgrade or enjoy some extra
Speaker 2: comfort too. It feels like they've been using our outings
Speaker 2: to boost their rewards at my expense. How do I
Speaker 2: bring this up without causing drama but still make it
Speaker 2: clear I'm feeling a bit used or am I just
Speaker 2: overreacting and discuss.
Speaker 5: This is really tricky because like, I get it, I
Speaker 5: get it. I guess if I had a card that
Speaker 5: I intended on like collecting or accumulating points on, but
Speaker 5: all my friends are like, no, no, let me get
Speaker 5: this one, And like if I sense that there was
Speaker 5: a bit of like sneakiness behind it, they're like, no,
Speaker 5: I want to pay for this, but you still pay
Speaker 5: me your share, but I just want to get the points.
Speaker 5: Then I'd be like, oh, I'm kind of bit dirty
Speaker 5: about that. But if you just didn't have a card
Speaker 5: that you were trying to accumulate points on and then
Speaker 5: later on realized that you could have been accumulating points.
Speaker 2: Now you're salty that your friend was making the most
Speaker 2: of it.
Speaker 5: Yeah, I feel like that's like maybe if you inquired
Speaker 5: early and everyone's like, don't worry about it, like this
Speaker 5: is you know, you don't need to worry, Like you
Speaker 5: just keep doing what you're doing then, I don't know
Speaker 5: if there's any sneakiness involved, which doesn't really sound like
Speaker 5: it is. Sounds like your friends are just like making
Speaker 5: the most of what they were trying to do, I guess.
Speaker 5: And they didn't know that a trip was coming up.
Speaker 5: You just started planning this trip recently. It sounds like
Speaker 5: I think there's no ill intent really, so I don't know.
Speaker 5: I don't know.
Speaker 4: I feel like they did know. It sounds like a
Speaker 4: listener because they said like they knew they were putting
Speaker 4: the credit card on everything on the credit card to
Speaker 4: brack up points, so they knew that that was happening.
Speaker 4: I feel like, if you wanted the points, you get
Speaker 4: your own card. Like it's to me, it's a very
Speaker 4: black and white situation, like our friends do it. Like
Speaker 4: one of our like before I had a credit card,
Speaker 4: one of our friends had a credit card. If we
Speaker 4: went out, they'd say, can we pay it? We'd go, like,
Speaker 4: what difference does it make to.
Speaker 2: Us transferring them cash from your Like I'm.
Speaker 4: Paying what I would pay regardless, you might as well
Speaker 4: get the points. Now that I have my own credit card,
Speaker 4: I just go, oh, like okay, because I want my
Speaker 4: points yeah, one hundred percent to me, it is such
Speaker 4: a non issue. Also, the amount of points that you
Speaker 4: get from like paying for dinner, even if it's every week,
Speaker 4: versus the amount of points it takes to upgrade to
Speaker 4: something like it's a huge.
Speaker 2: Would be Yeah, like to upgrade to business which I
Speaker 2: have done recently, So I did that flying to Europe.
Speaker 2: It's hundreds of thousands of points. Like, you're not to
Speaker 2: be whole, not to be dramatic, but when she said
Speaker 2: I go out for dinners, drinks and the occasional shopping spree,
Speaker 2: that's not going to get your business class upgrade, Like
Speaker 2: that's not Like, I don't mean to be offensive. I
Speaker 2: get that you're probably contributing to the points, but like,
Speaker 2: it doesn't add up that way. Two, why are you
Speaker 2: letting your friend always pay instead of splitting it if
Speaker 2: you wanted points as well? Like why don't you have
Speaker 2: your own? Three? Your friend might be upgrading to business class,
Speaker 2: but are you aware of whether she's paying off her
Speaker 2: credit card or not you're transferring her cash. You are
Speaker 2: in your own little finance bubble, and I'm assuming you're
Speaker 2: okay because you don't have a credit card, you're not
Speaker 2: racking up personal debt. So your friend even paying this
Speaker 2: off or paying the minimum, like, she might have points
Speaker 2: to upgrade, but she might be in personal debt and
Speaker 2: you just don't know it.
Speaker 6: Yeah.
Speaker 4: To me, I think it is kind of a silly thing.
Speaker 4: I think it's a little bit unreasonable to expect her
Speaker 4: to split the upgrade. I think there's a larger or.
Speaker 2: She can't split an upgrade.
Speaker 4: No, you can't. But I think that's a large question
Speaker 4: maybe around you know, is it okay if you're flying
Speaker 4: with someone and you agree that you're flying together to
Speaker 4: upgrade without inting them to upgrade or without you're ine,
Speaker 4: Like maybe the friend thought you were going to sit
Speaker 4: in economy together.
Speaker 2: Like kges, I have enough points, I can upgrade me.
Speaker 2: But like yeah, and you'd be sitting on your own.
Speaker 2: I wouldn't ever do that to anybody. No, No, I
Speaker 2: wouldn't you.
Speaker 4: Actually, we have sat an economy together many a time, so, like,
Speaker 4: I think that there's a conversation to be had around that.
Speaker 4: But I think if you separate that out, the points
Speaker 4: thing to me is like such a non issue. If
Speaker 4: you want points, you're very entitled to earn your own points,
Speaker 4: get your own cut, like you can't do you know
Speaker 4: what I mean, Like you can't really expect her to
Speaker 4: be Yeah, I just think it no to me, it
Speaker 4: feels a little bit unreasonable.
Speaker 5: I agree, And I guess like if you flip it,
Speaker 5: if the person writing in was in fact the person
Speaker 5: who was being really savvy and linked all of their
Speaker 5: things and was trying to get points for whatever, first
Speaker 5: of all, exactly you sav like that amount of points
Speaker 5: wouldn't have gotten them very far anyway. I'm assuming it's
Speaker 5: like years.
Speaker 2: Worth, unless you're spending thousands of dollars and months, like
Speaker 2: you're not going to get there, like Steve and I
Speaker 2: have recently, oh maybe in the last twelve months. He
Speaker 2: got a credit card and we have been putting all
Speaker 2: of our expenses onto the credit card and just paying
Speaker 2: it off every month because we knew that we wanted
Speaker 2: to do a Europe trip and we got like I
Speaker 2: think it was like one hundred thousand bonus points when
Speaker 2: Steve signed up for this card, and then every single
Speaker 2: expense has been going on there. We still had like
Speaker 2: a small out of pocket to pay for our business
Speaker 2: Class upgrade, which fine, no worries. It was a couple
Speaker 2: of one hundred dollars, but to us it was worth it.
Speaker 2: But that's with us putting every single like out of
Speaker 2: pocket expense on our credit card and paying it off
Speaker 2: each month. So like when you say, oh, every weekend,
Speaker 2: I'm like, oh, like we were putting everything we could
Speaker 2: on that card to rack up points.
Speaker 5: Yeah and yeah exactly. So with that in mind, if
Speaker 5: it was flipped and yeah, the person running in was
Speaker 5: in fact the one being savvy, I'm sure they would
Speaker 5: be like quite protective of those points that they accumulated
Speaker 5: over the years. And we're really intentional about and like, oh,
Speaker 5: I'm putting everything on the cards that I can eventually
Speaker 5: have a good upgrade. They're thinking about their future self
Speaker 5: And I think that if it was flipped around, the
Speaker 5: person writing and would not be like wanting their friend
Speaker 5: to expect to have some of those points transferred to
Speaker 5: them because you put in the work, babe, you deserve that.
Speaker 5: But I get it with that now, the person writing
Speaker 5: into us our listener, do get a card if you
Speaker 5: feel like you're missing out, and.
Speaker 2: But also be careful because it could be a slip
Speaker 2: gery slope. Like I said before, do you know if
Speaker 2: your friends her credit card like the business class upgrade
Speaker 2: I'm promising you is not worth it if you're not
Speaker 2: going to be responsible with your finances.
Speaker 5: There's not It's not only credit cards right like you
Speaker 5: can get here it is. Oh, I was thinking Flybys something.
Speaker 2: Yeah, like fly By. Jess is the queen of fly Bys.
Speaker 2: Like if I go shopping with Jess, I don't have
Speaker 2: fly Bys.
Speaker 4: I'm that friend.
Speaker 1: I have.
Speaker 2: Fly Bys, I just never bring the card. So if
Speaker 2: I'm with Jess, I literally turned to her and go,
Speaker 2: I don't my card, and she's like, oh, let me
Speaker 2: grab mine. Like this woman worked so hard to wield
Speaker 2: up her Flybys points that she bought a whole lass
Speaker 2: kitchen aid mixer.
Speaker 4: Yeah, that's at a dance in vacuum and AirPods.
Speaker 2: Oh it's okay, it's been a while since we've had
Speaker 2: a little bit of an upgrade or updates. Sorry, Can
Speaker 2: I just break this down a little bit further? So
Speaker 2: let's pretend Jess and I are going on holiday together.
Speaker 2: We've been planning this holiday. Where do we want to go? Jess,
Speaker 2: We're and go Barley or something. We're so excited. If
Speaker 2: Jess then turned around to me and said, I've upgraded
Speaker 2: myself to business and we're not flying together.
Speaker 4: You've been miffed.
Speaker 2: It's not about that you're in business. It's not about
Speaker 2: the additional luxury. It's not about that. What do you
Speaker 2: mean aren't we going on holiday together? Why aren't we
Speaker 2: sitting together?
Speaker 4: Like aren't we going to hang out?
Speaker 2: Aren't we like keeping each other company on the long fly?
Speaker 2: Like aren't we aren't we going on a holiday together somewhere?
Speaker 4: Like That's what I feel is the bigger problem.
Speaker 2: Why are you avoiding me?
Speaker 1: Like?
Speaker 2: I find that's so strange, Like I don't know, Like
Speaker 2: when we go on a flight, like Jess and I,
Speaker 2: we make sure we're picking our chairs so they're close
Speaker 2: to each other because I want to be bored.
Speaker 4: Yeah, Like what is that about?
Speaker 2: I don't know?
Speaker 4: Is that?
Speaker 1: No?
Speaker 2: I get that.
Speaker 5: I get that. That makes sense, So it's probably like
Speaker 5: that's more the issue than the actual Yeah.
Speaker 2: To me, that's more of an issue that your friends
Speaker 2: just went and upgraded herself like talking without Like to me,
Speaker 2: that's the red flag. The fact that she's been putting
Speaker 2: all of your expenses on points Like I kind of
Speaker 2: don't care. I'm like, okay, savvy girl is using her
Speaker 2: credit card and you clearly don't have one, But why
Speaker 2: don't you want to sit together?
Speaker 5: Yeah, fan, what did the community have?
Speaker 2: Right? So we had a chat with the community and
Speaker 2: we said, what's your two cents? Some of you had
Speaker 2: a lot of opinions that were very like ouse, and
Speaker 2: some of you did point out that the red flag
Speaker 2: was actually more about them upgrading without consultation, not because
Speaker 2: of the upgrade, but because they're moving to a different
Speaker 2: part of the plane. And some people had some cool opinions.
Speaker 2: So one person said, it sounds like a potential value
Speaker 2: in compatibility. You need better friends. Someone else said, if
Speaker 2: they weren't upfront about spending for points, then it's just
Speaker 2: a shitty French. Someone else said that's not the best
Speaker 2: way to start an international trip, imo. Someone else said
Speaker 2: I'd be miffed, but one else said mift yes. Someone
Speaker 2: else but good on them for being smart, I guess.
Speaker 2: Someone else said, this is a bit of a live
Speaker 2: and learn situation. Plus the points may be worth it now,
Speaker 2: but the annual fee isn't. Someone else said, I'd probably
Speaker 2: make the point by not letting her pay for everything
Speaker 2: on the card moving forward. I feel like that's probably
Speaker 2: a good summary of everybody's opinions. I don't think I
Speaker 2: have hips to add to that, Like, yes, it might
Speaker 2: be annoying in hindsight, behindsight is twenty twenty right totally.
Speaker 5: And also, do you remember that the holiday is not
Speaker 5: the travel there, I know it would suck to not
Speaker 5: sit together, but the holiday is actually the destination, isn't
Speaker 5: it exactly not the journey.
Speaker 2: In that situation, in that particular situation, it's not about
Speaker 2: the journey. It's about the destination. I love that. All right, Well,
Speaker 2: that's a really good place to leave it. Have the
Speaker 2: best week, guys. I'll see you tomorrow for a Sneaky
Speaker 2: solo episode, and then on Monday, brianon Early for a
Speaker 2: money diary. Have a good weekend, guys, Hi, guys Bie.
Speaker 2: The advice shared on She's on the Money is general
Speaker 2: in nature and does not consider your individual circumstances. She's
Speaker 2: on the Money exists purely for educational purposes and should
Speaker 2: not be relied upon to make an investment or financial decision.
Speaker 2: If you do choose to buy a financial product, read
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