WEBVTT - Am I Being Too Rigid With Money? Plus, Dollar-Cost Averaging Tactics 0:00:00.200 --> 0:00:03.240 My name's Tatasha Bamblet. I'm a proud First Nations woman 0:00:03.600 --> 0:00:08.559 and I'm here to acknowledge country. Te Glenn Young Ganya Niana, 0:00:08.680 --> 0:00:12.400 kaka ya Ya Binahwaka Nian our gay In Nimbini, yakarum 0:00:12.480 --> 0:00:17.160 jar Doumayagumika Umaga Ihowaka Nile Waman damon Immalan Bumba bang 0:00:17.160 --> 0:00:22.439 gadabama In and now in Waka ghana on yakarum jar Watanadana. Hello, 0:00:22.480 --> 0:00:25.880 beautiful friends, we gather on the lands of the Aboriginal people. 0:00:26.360 --> 0:00:29.080 We thank acknowledge and respect the Abiginal people's land that 0:00:29.120 --> 0:00:31.880 we're gathering on today. Take pleasure in all the land 0:00:32.080 --> 0:00:35.320 and respect all that you see. She's on the Money 0:00:35.360 --> 0:00:42.000 podcast acknowledges culture, country, community and connections, bringing you the tools, 0:00:42.400 --> 0:00:44.560 knowledge and resources for you to thrive. 0:00:44.840 --> 0:00:46.560 She's on the Money. 0:00:46.800 --> 0:00:52.880 She's on the Money. Hello, my friends, and welcome to 0:00:52.960 --> 0:00:55.440 She's on the Money, the podcast that makes your personal 0:00:55.560 --> 0:00:59.560 finances fun, especially on a Friday. The gang is back 0:00:59.600 --> 0:01:02.600 together for another edition of Friday Drinks, where we gather 0:01:02.720 --> 0:01:05.840 to celebrate you our clever She's on the Money Community 0:01:06.480 --> 0:01:09.160 Victoria Devine and joining me this week. Is the winsome 0:01:09.280 --> 0:01:13.640 Miss Jessgariici with our community's best money wins and of course, 0:01:14.000 --> 0:01:20.160 the benevolent Miss beck Sayed is here bracing broke tips glore. Welcome, 0:01:20.400 --> 0:01:24.360 my friends. We're also going to be covering some juicy 0:01:24.600 --> 0:01:27.679 money dilemmas which seem to be rather investment coded. 0:01:27.760 --> 0:01:28.160 This week. 0:01:28.440 --> 0:01:30.880 One community member slid into our DMS with I would 0:01:30.880 --> 0:01:36.160 say a concern about couple's money values, while another leftist 0:01:36.160 --> 0:01:38.679 of voicemail devoted to dollar cost averaging are the best 0:01:38.760 --> 0:01:41.400 ways that we can do it? Do you fancy having 0:01:41.440 --> 0:01:44.840 your dilemma discussed on our podcast? Come on through, my friends. 0:01:44.880 --> 0:01:46.800 All you need to do is head to our podcast 0:01:46.840 --> 0:01:48.960 page on the She's on the Money website, record a 0:01:49.000 --> 0:01:51.080 little punchy dilemma of your own, and who knows, your 0:01:51.160 --> 0:01:53.640 query might just make the cut better. Yet, it might 0:01:53.720 --> 0:01:56.400 even help other listeners just like you work through their 0:01:56.440 --> 0:01:59.640 money woes. Now, wouldn't you know what, my friends? It 0:01:59.760 --> 0:02:02.160 is for our five star review? Are you strapped in? 0:02:02.280 --> 0:02:02.800 Are you ready? 0:02:02.920 --> 0:02:03.080 Yeah? 0:02:03.120 --> 0:02:06.160 Absolutely? The five star review time is where we get 0:02:06.200 --> 0:02:08.160 to hear from our lovely listeners about the ways that 0:02:08.320 --> 0:02:11.480 they are finding financial independence and confidence with a little 0:02:11.600 --> 0:02:14.680 help from us and the show. This one comes from 0:02:14.720 --> 0:02:18.000 a friend called Amy, who says, hey, guys, I am 0:02:18.080 --> 0:02:20.760 sure you get a million messages like these, arguably not 0:02:20.800 --> 0:02:23.359 a million week. We would like more, but I just 0:02:23.400 --> 0:02:25.799 wanted to say thank you so much for the advice 0:02:25.880 --> 0:02:28.400 you have given. I was going through some money problems 0:02:28.440 --> 0:02:32.080 recently caused by my own reckless spending and seriously considered 0:02:32.160 --> 0:02:34.640 taking out a personal loan as I was too embarrassed 0:02:34.639 --> 0:02:37.120 to ask for help, But in the process of applying 0:02:37.200 --> 0:02:38.760 for it, there was a little voice in the back 0:02:38.760 --> 0:02:43.480 of my head that sounded suspiciously like you guys, telling 0:02:43.560 --> 0:02:47.200 me to check out other options first. Luckily, I am 0:02:47.280 --> 0:02:49.480 extremely fortunate and was able to get my parents to 0:02:49.600 --> 0:02:51.760 reduce my board for a couple of months while I 0:02:51.880 --> 0:02:54.360 sought my stuff out. It was definitely the wake up 0:02:54.440 --> 0:02:56.600 call that I needed, and I cannot thank you guys 0:02:56.760 --> 0:03:00.400 enough for playing a part in it. Oh idea that 0:03:00.440 --> 0:03:02.720 we're like the little sound on your shoulder like don't 0:03:02.800 --> 0:03:06.760 do this, yes, like the fairly odd parents like, which 0:03:06.840 --> 0:03:08.359 is like a bit how you go in fairies be 0:03:08.440 --> 0:03:09.079 like don't do that. 0:03:09.520 --> 0:03:11.079 Yeah, Oh that's gorgeous, because. 0:03:10.840 --> 0:03:13.239 It really is a slippery slope. So I'm really glad 0:03:13.280 --> 0:03:15.239 that you didn't. Proud of you and thank you so much. 0:03:15.320 --> 0:03:17.280 I love that Amy. It sounds like our voices are 0:03:17.320 --> 0:03:19.120 maybe living a little bit rent free in your head, 0:03:19.240 --> 0:03:22.240 or maybe we should start paying you bored. We are 0:03:22.840 --> 0:03:25.840 so proud of you exploring your options and honestly finding 0:03:25.840 --> 0:03:29.320 a way out, because there's always another option. If we've 0:03:29.360 --> 0:03:32.120 taught you anything interesting about your finances or how to 0:03:32.160 --> 0:03:34.400 make your dollars go a little bit further, please let 0:03:34.520 --> 0:03:36.400 us know by leaving a five star review for She's 0:03:36.440 --> 0:03:39.320 on the Money on Apple, podcast, Spotify, or honestly, wherever 0:03:39.360 --> 0:03:41.200 you tune in. We take them in our dms. I 0:03:41.280 --> 0:03:43.160 take them in my DMS. I will take carry a 0:03:43.200 --> 0:03:48.360 pigeon literally anything. All right, jessic Ricci, are you buckled in? 0:03:48.480 --> 0:03:50.640 And are you ready? I am a question of the 0:03:50.720 --> 0:03:53.280 week time and this one might call for a little 0:03:53.320 --> 0:03:58.000 bit of ar capella. Okay, Sue wants to know what's 0:03:58.040 --> 0:04:01.600 your karaoke song and do you have matching dance moves? 0:04:01.800 --> 0:04:06.320 My goodness, I fear I avoid karaoke like it's my 0:04:06.600 --> 0:04:07.680 I don't think I've been. 0:04:07.960 --> 0:04:12.160 Usual adult life, really, I just feel like you're a carrier. 0:04:12.440 --> 0:04:15.560 No, this is my worst nightmare because I cannot even 0:04:15.600 --> 0:04:18.600 carry a tune and my social anxiety, all these people 0:04:18.720 --> 0:04:22.279 looking at me no like I can't. I would literally 0:04:22.400 --> 0:04:25.080 need to be even hammered. I don't think you could 0:04:25.160 --> 0:04:26.560 convince me to get on that stage. 0:04:26.839 --> 0:04:28.880 But if we were to convince you to get on 0:04:28.960 --> 0:04:32.000 the stage, what song would you be most comfortable singing? 0:04:32.080 --> 0:04:34.159 Oh, I'm in a belt out some t swift. Put 0:04:34.240 --> 0:04:37.440 on any of the discography, proferably something offbeat, you know, 0:04:37.800 --> 0:04:40.360 maybe like paper Rings or something fun like that. 0:04:41.240 --> 0:04:45.280 A reputation. But yeah, we can't convince you to do 0:04:45.360 --> 0:04:50.760 the dance a chance in hell. That's crazy. I feel 0:04:50.760 --> 0:04:56.080 like you're the exact opposite. I love I saw that 0:04:56.200 --> 0:04:58.160 coming a million but I thought you would say, yeah, 0:04:58.160 --> 0:04:59.800 I love karaoke, it's really fun. 0:05:00.000 --> 0:05:02.679 I will support, I will cheer, I will woogle people 0:05:02.880 --> 0:05:03.960 like I'll go to care. 0:05:04.080 --> 0:05:06.839 But you are such a wor girl. I'm not participating. Okay, 0:05:06.880 --> 0:05:10.040 all right, I feel like you'll move your shoulders. I'll 0:05:10.080 --> 0:05:12.320 be dancing on the sideline. I feel like you're the 0:05:12.440 --> 0:05:15.440 dreams that would be singing on the sidelines. But don't 0:05:15.560 --> 0:05:17.840 give you the microphone. Yeah, that's a fair that's a 0:05:17.880 --> 0:05:21.280 fair assessment because like at the Taylor Swift concert, we 0:05:21.360 --> 0:05:24.280 were screaming. That's true, Like every single lyric we were 0:05:24.320 --> 0:05:26.680 screaming them. Like, it's not like you were scared of 0:05:26.839 --> 0:05:29.240 being heard, jests, no one looking at me. 0:05:33.600 --> 0:05:36.840 Problem is not being perceived. But you have seen, you 0:05:36.920 --> 0:05:38.080 want to see, you want to move. 0:05:39.200 --> 0:05:41.039 She wants to be a karaoke girl. 0:05:41.920 --> 0:05:43.400 I get that. I get that. I get there. So 0:05:43.680 --> 0:05:46.640 maybe maybe alone you're a home I get you. How 0:05:46.680 --> 0:05:48.719 do I whittle it down? So definitely. 0:05:48.920 --> 0:05:51.760 I love that there's options, there's so many, so special 0:05:51.800 --> 0:05:56.440 to Mithiggans obviously, dreams, Gabrielle. 0:05:56.000 --> 0:05:57.520 Dreams, Ken came true. 0:06:01.440 --> 0:06:03.160 And then I know this is like this is like, 0:06:03.560 --> 0:06:07.280 you know, maybe ethically ambiguous, but I really quickly ambiguous. 0:06:07.480 --> 0:06:08.080 I like that. 0:06:08.520 --> 0:06:09.440 I love human nature. 0:06:09.560 --> 0:06:13.200 Michael Jackson and sorry, sorry, we don't need I know, 0:06:13.960 --> 0:06:16.920 and I'm trying to wean myself off. Oh no, no, no, 0:06:17.120 --> 0:06:19.480 like we can keep them. Sorry, they live in our past. 0:06:20.480 --> 0:06:23.240 That's they live in our past. Jackson, you know, just 0:06:23.320 --> 0:06:26.719 to be like questionable in terms of his decision making. 0:06:27.000 --> 0:06:30.159 But at the same time, I think he's not here anymore. 0:06:30.560 --> 0:06:32.720 So if you like his music pop Off Queen. 0:06:32.960 --> 0:06:35.200 Those are my three main ones, okay, and then there's 0:06:35.240 --> 0:06:35.839 so many more. 0:06:35.920 --> 0:06:37.599 But I don'teel like a man in the mirror would 0:06:37.640 --> 0:06:40.159 be something that you would be like all over. Actually 0:06:40.560 --> 0:06:43.080 wouldn't mind that, but I don't know if you could. 0:06:43.800 --> 0:06:44.320 Maybe I could. 0:06:44.320 --> 0:06:48.560 I trust the register change exactly, and what about you? 0:06:48.839 --> 0:06:52.600 Oh my god, I don't know. I feel so stumped. 0:06:53.680 --> 0:06:56.360 Like Jess Love a microphone, put it in front of me, 0:06:56.480 --> 0:06:59.560 do not make me sing. I can't sing my toddler 0:06:59.640 --> 0:07:06.760 the other mummy, stop mortifying, mortifying. I was just like singing. 0:07:06.800 --> 0:07:09.880 And he goes like I'm holding my toddler, cradling him, 0:07:09.960 --> 0:07:12.280 and like, for his entire life, I've sung to him 0:07:12.320 --> 0:07:14.760 while he's like going to sleep, you know, not every time, 0:07:14.880 --> 0:07:17.480 but sometimes, and he puts his fingers over my mouth 0:07:17.560 --> 0:07:22.920 and goes, mammy stop honestly, fair fair. So yeah, I'm 0:07:22.960 --> 0:07:25.480 not a karaoke girly, but if I was going to 0:07:25.840 --> 0:07:27.720 it would be a song that I know really well, 0:07:28.760 --> 0:07:30.600 like TLC Waterfalls. 0:07:30.800 --> 0:07:32.600 Oh yeah, okay, like I even. 0:07:32.440 --> 0:07:34.920 Know the rap part, which I think is so funny 0:07:35.040 --> 0:07:37.240 because it doesn't suit my personality at all. 0:07:37.480 --> 0:07:39.440 I wouldn't picked it for you, but I can see it. 0:07:39.600 --> 0:07:43.760 It's really fun or like a Natasha Beddingfield unwritten or 0:07:43.880 --> 0:07:48.200 something like something really honestly, the takia the better. Yeah, 0:07:48.640 --> 0:07:51.760 so that's where I would be. We are not, just 0:07:51.840 --> 0:07:54.080 to be very clear, we are not going to be 0:07:54.120 --> 0:07:56.840 hosting a Shoes on the Money karaoke event. It's not happening. 0:07:56.880 --> 0:07:59.040 I'm not comfortable with it. Jess isn't comfortable with it, 0:07:59.320 --> 0:08:02.920 but might do a side quest. I can see that 0:08:03.080 --> 0:08:07.440 in your future for sure. God, she hosts trivia, next 0:08:07.600 --> 0:08:11.280 up karaoke, She's on the Money branded. I'll be there 0:08:11.320 --> 0:08:14.520 to support sport. I will be there. Do not make 0:08:14.600 --> 0:08:17.200 me sing like I just can't get over the fact 0:08:17.240 --> 0:08:17.880 that I can't sing. 0:08:19.160 --> 0:08:21.000 You don't need to worry about that part. 0:08:21.360 --> 0:08:22.880 On the inside, I feel like I should be a 0:08:22.920 --> 0:08:24.160 good singer, and it really upsets me. 0:08:26.320 --> 0:08:28.440 Like I should be a good singer. I am not. 0:08:29.440 --> 0:08:32.920 Like what comes out of my mouth in the car 0:08:34.040 --> 0:08:36.760 is not what you would hear, like, I think it's 0:08:36.840 --> 0:08:39.240 way better than what it is in reality. 0:08:39.360 --> 0:08:41.240 And then you turn the radio down. You're like, am 0:08:41.280 --> 0:08:43.400 I hitting those notes? And you're like waiting, No, that 0:08:43.600 --> 0:08:44.000 was the song? 0:08:44.120 --> 0:08:46.800 No, I'm just enjoying the song totally, and I would 0:08:46.880 --> 0:08:49.120 like to live in that state of delusion. I don't 0:08:49.160 --> 0:08:52.839 need people with cameras being able to capture those moments. 0:08:52.920 --> 0:08:53.680 Yeah, I understand. 0:08:53.720 --> 0:08:56.120 I agree. So if you ever think about Jess or 0:08:56.240 --> 0:08:59.040 I do in karaoke, just know we're amazing at it 0:08:59.080 --> 0:09:00.840 and we wouldn't want you to feel bad about your 0:09:00.880 --> 0:09:03.360 karaoke ability, so we would never get up on that stage. 0:09:03.520 --> 0:09:04.160 Well that's fair. 0:09:04.600 --> 0:09:07.480 We're just really thoughtful, aren't we. Just I couldn't agree more. 0:09:07.520 --> 0:09:09.599 All Right, guys, if you've got an excellent question for 0:09:09.640 --> 0:09:11.240 the pod, to send it on through to us. As 0:09:11.320 --> 0:09:13.680 you've heard, it does not have to be money related, 0:09:13.760 --> 0:09:16.640 but maybe ow she's on the karaoke playlist, should be like, 0:09:16.760 --> 0:09:17.800 we should make one of those. 0:09:17.840 --> 0:09:18.960 I god, we should should. 0:09:19.040 --> 0:09:22.920 Absolutely? Are you ready for more community money wins? Misters GRICI, 0:09:23.160 --> 0:09:25.920 please tell me what has our community been up to 0:09:26.400 --> 0:09:29.600 on the money win front this week? Firstly, Sharon has 0:09:29.600 --> 0:09:30.240 said money win. 0:09:30.440 --> 0:09:32.800 I've paid off my after pay, I've closed the account 0:09:32.880 --> 0:09:35.760 and I've deleted the app. Oh amazing, lots of people 0:09:35.800 --> 0:09:38.400 getting around her, you love to see it? Tell yeah, 0:09:38.480 --> 0:09:40.120 then I've got money in from Sammy, who said, I 0:09:40.200 --> 0:09:42.200 just hit two hundred and fifty sessions at my gym 0:09:42.320 --> 0:09:43.839 and they gave me one hundred. 0:09:43.640 --> 0:09:45.800 Dollars alis katvoutcha Alis. 0:09:45.880 --> 0:09:48.040 Katie also had free shipping in a ten percent discount, 0:09:48.120 --> 0:09:50.679 so I got some new leggings for free. Oh my god, 0:09:50.720 --> 0:09:52.559 amazing love the year gym celebrates that. 0:09:52.720 --> 0:09:53.360 That's awesome. 0:09:54.040 --> 0:09:56.160 Next, I've got a money win from Chantale, who said 0:09:56.240 --> 0:09:58.559 it's actually a money loss, but a memory win. I 0:09:58.640 --> 0:10:00.160 took my daughter out for a bike rid I had 0:10:00.200 --> 0:10:02.560 on the weekend, and we had breakfast at a local cafe, 0:10:02.920 --> 0:10:05.640 and I then doubled down because the weather was beautiful, 0:10:05.720 --> 0:10:08.040 and we walked to our local bowling club and enjoyed 0:10:08.040 --> 0:10:10.600 a drink and some nibbles outside while we played Uno. 0:10:11.360 --> 0:10:14.600 I normally wouldn't spend fifty dollars in one morning eating 0:10:14.640 --> 0:10:16.959 and drinking out, but making memories. 0:10:16.679 --> 0:10:17.719 Is absolutely worth it. 0:10:17.960 --> 0:10:19.040 It's very true, and. 0:10:19.120 --> 0:10:21.480 That sounded just so wholesome to me, Like you know, 0:10:21.600 --> 0:10:26.840 in the sunshine, little breakfast together, sometimes it's money well spent. 0:10:27.280 --> 0:10:29.360 Then I've got one from Tara who said my vacuum 0:10:29.440 --> 0:10:31.400 mop broke and I needed to get a new one. 0:10:31.679 --> 0:10:33.640 I menased JB High Fire to look for the dice 0:10:33.679 --> 0:10:35.600 and washed g one, which they had listed for nine 0:10:35.720 --> 0:10:38.840 ninety nine. I then went online and Mayer had them 0:10:38.880 --> 0:10:42.040 on sale for three hundred and ninety five dollars and 0:10:42.160 --> 0:10:44.400 Jbhigh Fire price match, so I saved six hundred dollars. 0:10:44.640 --> 0:10:47.280 I have that dice and mop I paid one thousand 0:10:47.320 --> 0:10:49.080 dollars for it. I will say it was worth every penny. 0:10:49.360 --> 0:10:51.199 But if you can buy it for three hundred and 0:10:51.240 --> 0:10:52.160 ninety five dollars. 0:10:52.080 --> 0:10:52.959 That's one thousand. 0:10:53.600 --> 0:10:55.160 That's a steal deal. 0:10:55.520 --> 0:10:57.360 And oh brilliant, brilliant, brilliant. 0:10:57.360 --> 0:10:58.199 I love it so much. 0:10:58.320 --> 0:11:00.839 I haven't tried the dice in one have the What 0:11:00.960 --> 0:11:02.760 have I got? I've got the Bissel, yeah, and I 0:11:02.920 --> 0:11:06.400 love her. But she's like on a cord yeah, so 0:11:06.600 --> 0:11:09.880 I want like a cordless one because I'm not gonna lie. 0:11:10.640 --> 0:11:14.079 It's incredibly like good. Yeah, but the idea that I 0:11:14.160 --> 0:11:16.640 have to lug it out, plug it in do to 0:11:16.760 --> 0:11:18.640 cord things really good. 0:11:18.840 --> 0:11:21.240 The battery is like an hour, I'm pretty sure on it, 0:11:21.240 --> 0:11:22.760 which is like enough for me to do my house. 0:11:23.440 --> 0:11:24.120 That's good. 0:11:24.520 --> 0:11:26.760 Yeah, And it's so satisfied for anyone hasn't seen it. 0:11:27.120 --> 0:11:28.840 It mops and vacuums at the same time. So if 0:11:28.840 --> 0:11:30.439 you've got pets, like there's always pet hair on my 0:11:30.480 --> 0:11:32.079 floor no matter how much I run the robo back. 0:11:32.160 --> 0:11:34.199 So it's good because it doesn't block the mop. But 0:11:34.320 --> 0:11:37.400 then there's two little canisters, one for clean water that 0:11:37.520 --> 0:11:39.240 goes on the floor as you mop, and as you 0:11:39.400 --> 0:11:42.160 it sucks it back up, which is if you've got floorboards. 0:11:42.679 --> 0:11:45.000 But also you can see the dirty water. In a sense, 0:11:45.040 --> 0:11:48.520 it's so satisfying. My mistol does that as well. Really, right, 0:11:50.080 --> 0:11:52.520 why do I mop the floor and then go I'll 0:11:52.559 --> 0:11:54.240 just do a quick once over of the kitchen again 0:11:54.240 --> 0:11:55.680 because I don't know why. I feel like the kitchen 0:11:55.760 --> 0:11:58.960 needs doing twice for some reason, like it just does. 0:11:59.240 --> 0:12:01.280 And then the mop is dirty again, and I'm like. 0:12:01.640 --> 0:12:02.840 Don't use this house. 0:12:03.520 --> 0:12:06.920 I've literally just cleaned it. I don't understand mopping till 0:12:06.920 --> 0:12:07.400 it's clear. 0:12:07.720 --> 0:12:09.280 Is Oh that would feel good. 0:12:09.440 --> 0:12:11.280 It feels so good not in this house. 0:12:12.760 --> 0:12:14.280 I've got a body win from Grace who said I 0:12:14.360 --> 0:12:16.440 didn't buy one single work lunch last week. 0:12:16.679 --> 0:12:18.560 Okay, I can't very good. Grace. 0:12:19.040 --> 0:12:20.760 Jason said I bought two new books and I got 0:12:20.800 --> 0:12:23.640 them from Marketplace. It was five dollars for both, which 0:12:23.720 --> 0:12:26.440 is a bargain if ever I've heard one. And then lastly, 0:12:26.440 --> 0:12:28.160 I've got money win from Aaron who said we were 0:12:28.200 --> 0:12:30.360 in the city for Vivid with our two kids and 0:12:30.480 --> 0:12:33.480 my five year old was insisting on getting a big pretzel, 0:12:33.679 --> 0:12:37.080 which is like, you know there's Venda hot pretzels five. 0:12:37.000 --> 0:12:37.640 Year old's page. 0:12:37.679 --> 0:12:42.160 They're so couldn't find them, she said, unfortunately, but today 0:12:42.320 --> 0:12:44.200 she went to Aldi picked up a box of six 0:12:44.320 --> 0:12:46.120 frozen ones six bucks. 0:12:46.400 --> 0:12:48.920 Sorry, what you can get giant frozen pretzels. I've had 0:12:48.960 --> 0:12:49.280 them before. 0:12:49.280 --> 0:12:52.280 They're very good. Actually, so I've had the pretzel sticks. 0:12:52.280 --> 0:12:54.600 I don't know if they do the twisty ones them 0:12:54.640 --> 0:12:56.439 in the air fryer. Stop it a little bit of 0:12:56.480 --> 0:12:57.040 molden salt. 0:12:57.120 --> 0:12:58.600 Okay, delicious. 0:12:58.960 --> 0:13:00.839 I didn't know this exist, Like, I want to go 0:13:00.920 --> 0:13:03.960 to Aldi a sap. I'm not pregnant, but that feels 0:13:04.040 --> 0:13:08.160 like a pregnancy cravy in my head. I'm like, oh yes. Also, Jess, 0:13:08.240 --> 0:13:11.000 I just saw on Instagram and I tagged you on 0:13:11.160 --> 0:13:14.800 Instagram in a picture of a pink air fryer. I 0:13:14.920 --> 0:13:19.000 need it. Ninja has a pink air fryer. I must 0:13:19.120 --> 0:13:19.360 have it. 0:13:19.880 --> 0:13:20.880 I literally did. 0:13:22.559 --> 0:13:25.439 Don't tell anybody, but while Jess was opening her phone 0:13:25.520 --> 0:13:28.120 I saw it and tagged her while we're recording the episode, 0:13:28.160 --> 0:13:32.120 and I was like, she needs to see this. She 0:13:32.720 --> 0:13:33.920 it's like a light pink. 0:13:34.040 --> 0:13:36.360 Oh that's cute. Oh now that's sorry, Hugh. 0:13:36.520 --> 0:13:38.760 Sorry, Jess is building a house. 0:13:39.080 --> 0:13:39.959 Yeah, you gotta have that. 0:13:40.200 --> 0:13:42.319 Jess has a new kitchen and nobody else has seen 0:13:42.360 --> 0:13:44.280 the cabinet tree in her kitchen yet because she hasn't 0:13:44.320 --> 0:13:46.360 posted it. But I made her send me pictures of 0:13:46.400 --> 0:13:48.599 her cabinet tree in her kitchen, and I just know 0:13:48.800 --> 0:13:52.000 that it needs a pink air fryer. I'm really cute. 0:13:52.120 --> 0:13:55.120 I'm so excited to see this. Oh don't even it 0:13:55.240 --> 0:13:59.320 is the most exciting thing ever. All right, let's move on. Yes, Beck, 0:13:59.679 --> 0:14:01.640 I don't know if you can get better than six 0:14:01.800 --> 0:14:05.839 dollars for six frozen pretzels, but I feel like you 0:14:06.000 --> 0:14:07.040 often do top it. 0:14:07.320 --> 0:14:08.560 Well, I'm gonna be pretty close. 0:14:08.600 --> 0:14:10.720 I'd tell you what do you bring into the table? 0:14:10.800 --> 0:14:11.200 My friend? 0:14:11.679 --> 0:14:12.439 So well? 0:14:12.480 --> 0:14:14.760 Actually, first of all, pretzel I always get confused by them, 0:14:14.800 --> 0:14:17.600 to the small ones, crispy always like a chip, large 0:14:17.600 --> 0:14:18.520 pretzel like a bread. 0:14:18.559 --> 0:14:22.240 Would you say understood? 0:14:22.520 --> 0:14:26.520 Think crispy out that and today are fantastic negotiating tools 0:14:26.560 --> 0:14:29.200 for toddless. Yes, my kid will do so much for 0:14:29.240 --> 0:14:33.040 a pretzel. Yeah, hell yeah, Okay, same though, I got 0:14:33.120 --> 0:14:35.040 to get on these big pretzels. I'm going to get 0:14:35.080 --> 0:14:37.040 the big pretzels. I'll report that, thank you. 0:14:38.000 --> 0:14:38.280 Okay. 0:14:38.680 --> 0:14:41.920 First broke tip I have from the community is from Christy, 0:14:42.000 --> 0:14:45.360 who says, go to Buddings. They do free kids crafts 0:14:45.440 --> 0:14:48.200 often on a Sunday. They have an indoor playground. Plus 0:14:48.280 --> 0:14:50.240 they have party pies and sausage rolls for the kids, 0:14:50.320 --> 0:14:52.240 so you don't have to buy big ones. It's a 0:14:52.280 --> 0:14:53.040 great option for. 0:14:53.040 --> 0:14:53.720 A rainy day. 0:14:54.040 --> 0:14:56.600 It is actually good free to do. 0:14:57.200 --> 0:14:57.240 This. 0:14:57.360 --> 0:14:59.480 Next one comes from a Stacey who says, if there's 0:14:59.520 --> 0:15:02.600 something you desperately want to watch on Prime and you're 0:15:02.760 --> 0:15:05.000 a bingital in one or two nights kind of person, 0:15:05.680 --> 0:15:08.320 sign up, watch the show, cancel the membership, and you 0:15:08.400 --> 0:15:10.440 can opt to have the remainder of your month's fee 0:15:10.640 --> 0:15:13.320 refunded versus paying for a whole month, which is a 0:15:13.440 --> 0:15:14.080 great idea. 0:15:14.240 --> 0:15:16.240 I didn't even know that movies and stuff like that 0:15:16.360 --> 0:15:18.400 as well, So I think that's so good. 0:15:18.960 --> 0:15:21.080 And I know this is really lazy of me, but 0:15:21.160 --> 0:15:24.320 it did remind me that this is something I want 0:15:24.360 --> 0:15:26.760 to tell freelancers or anyone who needs Adobe to like 0:15:27.120 --> 0:15:29.240 make money or just whatever you use it for. 0:15:29.680 --> 0:15:32.080 Adobe does this same thing. So if you sign up 0:15:32.120 --> 0:15:34.920 for a month to month not an annual subscription, you 0:15:35.040 --> 0:15:37.440 can say you have to cut up a video for 0:15:37.560 --> 0:15:40.000 a client or whatever you need to do. If you 0:15:40.120 --> 0:15:43.560 sign up, unfortunately, do you have to pay the full 0:15:43.600 --> 0:15:46.080 amount upfront, but then try and get your work done 0:15:46.280 --> 0:15:48.920 in one or two days, and then you cancel and 0:15:49.040 --> 0:15:51.720 you can opt for a refund like pro rated pro rade. 0:15:51.760 --> 0:15:53.640 It it's like two days off or whatever. It's like 0:15:53.760 --> 0:15:56.880 still like a hefty chunk. You're really not paying that much. 0:15:57.280 --> 0:15:59.520 So I think this is a great reminder. 0:15:59.600 --> 0:16:01.680 I think I said it recently on a podcast that 0:16:01.720 --> 0:16:04.520 I've just been threatening all my subscriptions, yer, like I 0:16:04.640 --> 0:16:06.600 just go in and threaten to cancel, Like I like, 0:16:06.840 --> 0:16:09.880 go into the account, hit cancel and see if like 0:16:10.000 --> 0:16:12.960 a retention thing comes up, and if it does, I'm like, 0:16:13.240 --> 0:16:15.440 thank you, I'll be taking that discount. And if it 0:16:15.600 --> 0:16:17.760 doesn't pop up, I'm like, I didn't mean it and 0:16:17.880 --> 0:16:20.920 likes it because there are some subscriptions that I do 0:16:21.120 --> 0:16:24.080 want to keep, but I also want a discount. 0:16:23.800 --> 0:16:27.440 So totally. I just got through three months of free Adobe. 0:16:27.600 --> 0:16:31.040 I'm obsessed with Adobe this morning because the same thing. 0:16:31.040 --> 0:16:34.360 I'm obsessed with. How creative I feel like you are consistently. 0:16:34.600 --> 0:16:37.240 It's really impressive. While you guys hear a little word 0:16:37.280 --> 0:16:39.240 from our sponsors, we're going to be plotting ways to 0:16:39.320 --> 0:16:42.160 be more creative with our money. So guys don't go anywhere. 0:16:45.560 --> 0:16:48.160 Welcome back, everybody. Let's take a listen to this week's 0:16:48.200 --> 0:16:48.840 money dilemma. 0:16:50.880 --> 0:16:51.000 Hi. 0:16:51.160 --> 0:16:53.840 There, have you got a money dilemma you just can't solve? 0:16:54.080 --> 0:16:56.200 The Sheese on the Money Team is here to help. 0:16:56.600 --> 0:16:59.560 Every week, we tackle your dilemmas, both big and small, 0:16:59.640 --> 0:17:02.720 to answer your most burning money, career and life questions. 0:17:02.960 --> 0:17:05.440 To get involved, simply head to our website and leave 0:17:05.520 --> 0:17:07.640 us a short voice recording and you might just find 0:17:07.680 --> 0:17:10.280 yourself on the show. Now, let's take a listen to 0:17:10.440 --> 0:17:11.640 this week's money dilemma. 0:17:13.880 --> 0:17:16.240 Hi, she's on the Money Team. I have a question 0:17:16.400 --> 0:17:21.280 about dollar cost averaging in investing. I have worked out 0:17:21.359 --> 0:17:26.040 that I can invest about one thousand dollars every six months. 0:17:26.880 --> 0:17:29.720 I could invest that in smaller portions over the course 0:17:29.760 --> 0:17:32.359 of the six months, but I have been investing it 0:17:32.760 --> 0:17:36.040 as a thousand dollar lump some essentially every six months. 0:17:36.600 --> 0:17:39.200 I'm investing with Perla, and the brokerage fee is six 0:17:39.320 --> 0:17:42.480 dollars fifty. So the way that I thought about it 0:17:42.840 --> 0:17:47.560 was that that was a good percentage of the investment. 0:17:48.119 --> 0:17:51.640 But I keep hearing about dollar cost averaging, and I'm 0:17:51.800 --> 0:17:54.760 essentially wondering whether I should be doing this differently, whether 0:17:54.800 --> 0:17:58.760 I should be investing more frequently every fortnight or every month, 0:17:58.920 --> 0:18:01.200 or whether this is a good way to go. I'd 0:18:01.280 --> 0:18:03.359 love your advice and thoughts about this. Thank you. 0:18:03.520 --> 0:18:05.040 What do you reckon? Beeck? What would you do? 0:18:05.359 --> 0:18:07.119 Yes, I had never thought about that. So I guess like, 0:18:07.160 --> 0:18:10.119 if you're investing months every like six months or whatever, 0:18:10.520 --> 0:18:12.000 then you would hope that on the day that you 0:18:12.119 --> 0:18:16.560