Speaker 1: She's on The Money Radio Show.
Speaker 2: With Victoria Divine starts now, Hello and welcome to that.
Speaker 2: She's on the Money Radio Show podcast, the podcast for
Speaker 2: millennials who want financial You got it right. You usually
Speaker 2: tell me it's not just for millennials or it's blah
Speaker 2: blah blah. So what's your constructive criticism or how I
Speaker 2: can be better?
Speaker 1: Tip this week? Victorian?
Speaker 3: No, I don't have any advice for you. You are
Speaker 3: perfect this week.
Speaker 4: I've got advice we didn't ask actually, all right, Instead
Speaker 4: of ordering a mcfluurry and McDonald's, which averages around four
Speaker 4: bucks at the moment with inflation, probably five, you order
Speaker 4: a thirty cent cone in the Sunday lid and then
Speaker 4: they put toppings on it and it's still the same
Speaker 4: price as a soft serve, but it's the same volume
Speaker 4: as a mcflurry. You're welcome.
Speaker 3: They don't even flurry the mcfluurry's anymore, honestly.
Speaker 4: No, they don't. They stopped flouring.
Speaker 1: What what is flurry?
Speaker 5: You know how mcflurry is? Right?
Speaker 3: They used to get that spoon, the square spoon, and
Speaker 3: they put it in a Yeah it was. And I
Speaker 3: never understood why the spoons were like that, and they
Speaker 3: would put the spoon in with your toppings and like
Speaker 3: flurry it around. What They don't do that anymore. They
Speaker 3: just put some soft serve in a cup, Chucks and
Speaker 3: m and ms on the top and chuck that spoon
Speaker 3: in there as a sick joke to let you know
Speaker 3: that your mcflurry was never flurry.
Speaker 1: Wow, that is actually ridiculous, like.
Speaker 5: To be honest, and I'm sad about it.
Speaker 1: Put some effort into a McDonald's.
Speaker 4: I'm all for saving the turtles, but we need to
Speaker 4: rethink the paper straw because sits in then all of
Speaker 4: a sudden, I'm sucking on a crumpet like it's disgusting.
Speaker 3: Not given things like bamboo straws exist, there's those sugar
Speaker 3: cane straws. Like, there's so many other options, yet they
Speaker 3: chose paper as some kind of sick joke.
Speaker 2: Okay, I'm glad like that could have been so misconstrued
Speaker 2: if somebody just came in late down and what.
Speaker 1: The hell we were talking relate to a No one
Speaker 1: comes in bay to a podcast.
Speaker 2: Travel Sometimes I don't listen to what's actually being said.
Speaker 1: I don't pay attention. Guys.
Speaker 2: All right, Yes, you need to be paying attention though,
Speaker 2: because our She's on the Money radio show this Saturday
Speaker 2: was an absolute cracker. We had a brand new segment
Speaker 2: because people are just going crazy and they just need
Speaker 2: to come come ya.
Speaker 3: I feel like this has come out of me ranting
Speaker 3: on my Instagram stories so many times, and our producer
Speaker 3: saw it and was like, Yeah, that's good content.
Speaker 5: Let's just chuck that on the radio me like.
Speaker 2: The one that you did this week that caused a
Speaker 2: little bit of a stir in the news.
Speaker 6: Mate.
Speaker 3: I don't even mean it, like I'm just posting my
Speaker 3: experiences and people get mad about it.
Speaker 5: It's not my fault.
Speaker 2: I have a listen to a not Victoria Divine, but
Speaker 2: like Victim Divine. Sorry, you don't have to say everything
Speaker 2: that you think though, Victoria just putting it out there.
Speaker 5: But it's how it got me here, So maybe I do.
Speaker 2: Speaking of how you got here and why you are
Speaker 2: great at solving people's money dilemmas. If you're thinking about
Speaker 2: getting pregnant, or may be you're pregnant at the moment,
Speaker 2: we're going to.
Speaker 3: Talk about paid parntal leave from the minimums. I feel
Speaker 3: like it's a good topic because it's one that confuses everybody.
Speaker 5: TLDR.
Speaker 3: Check your contracts with your employer because that will guide
Speaker 3: what is actually gonna happen for you.
Speaker 2: Every single person's like, all babies cost me so much money,
Speaker 2: but you're going to make them money.
Speaker 5: They do. And you know what.
Speaker 3: I was talking to my girlfriend Phoebe the other day,
Speaker 3: and Phoebe owns a company called The Memo, which is
Speaker 3: a remember a really big baby company here in Melbourne
Speaker 3: that is starting to take Australia by storm.
Speaker 5: She is an absolute legend.
Speaker 3: She owns that with her friend Kate Casey, and I'm
Speaker 3: obsessed with them. But I'm going to do an episode
Speaker 3: really soon on She's on the Money about how to
Speaker 3: afford a baby and what it costs Phoebe, because Phoebe's
Speaker 3: just had a baby, about what it cost her and
Speaker 3: what she had to fork out and what was worth
Speaker 3: paying for and what wasn't. And I think that'll be
Speaker 3: a really good episode for She's on the Money because
Speaker 3: I don't even know what a baby costs.
Speaker 5: I just assume they're really expensive.
Speaker 1: I thought it was like one hundred grand a year
Speaker 1: or something.
Speaker 3: Oh I don't even know what it is, but I
Speaker 3: just feel like, babies are so expensive. And I say
Speaker 3: that as the only experience I've had of purchasing baby
Speaker 3: stuff is those expensive gifts you get when you get
Speaker 3: baby showers.
Speaker 2: My favorite thing is there when I said one hundred
Speaker 2: grand a year. Our producer Richie, whose partner is about
Speaker 2: to have a baby, he just saw that.
Speaker 1: Hello darkness, my ole friend playing as your face went wide.
Speaker 1: Ye seriously rethinking how.
Speaker 5: Much does your baby cost you thus far?
Speaker 3: Oh?
Speaker 2: Probably twenty grand?
Speaker 1: Holy mold the start.
Speaker 5: That was an expensive decision.
Speaker 2: We could have sold mate, Move on, Sorry, Jess. Something
Speaker 2: that's not gonna cost you anything gonna save you a
Speaker 2: bunch of money. Actually, it's the She's on the Muney
Speaker 2: radio show right now.
Speaker 7: This is she's on the Money radio show.
Speaker 2: Yeah, she's on the Money Radio show with Australia's number
Speaker 2: one finance podcast of Victoria Vine Mitch Jury as well. Guys,
Speaker 2: we're doing all thanks to Budget direct Winn't Have Can
Speaker 2: Stars Insurer of the Year twenty twenty two. Budget Directs
Speaker 2: Insurance Soul Victoria what legend.
Speaker 3: I feel like they are good eggs doing good things.
Speaker 3: But speaking of good eggs doing good things and the
Speaker 3: opposite of that news media is pretty cooked and it's
Speaker 3: stressing everybody out with news headlines all around Australia talking
Speaker 3: about the economy, talking about letters, talking about the cost
Speaker 3: of fuel, and I feel like we are all getting
Speaker 3: pretty stressy. So I've collected a few example headlines for
Speaker 3: you guys, and you're going to tell me how much
Speaker 3: fear they instill in you. So first one, big banks
Speaker 3: shock prediction zero.
Speaker 1: That could mean anything like that is so vague.
Speaker 4: Can I just say the media give the bank so
Speaker 4: much press? There's press releases. I don't even know what
Speaker 4: the RBA is and anyone's talking about I thought that
Speaker 4: was a hospital in Sydney. Everyone's like the RBA, I
Speaker 4: have made a big decision. What have they got new
Speaker 4: beds or something?
Speaker 1: No, that's RPA, Mitch.
Speaker 4: The banks are scary in my mind.
Speaker 1: Anyway, give us another one, Victoria. What's the next one?
Speaker 3: People are talking about crypto coming back after a massive plunge.
Speaker 3: I just feel like it is instilling fear for no
Speaker 3: good reason. And another thing that I got really under
Speaker 3: my skin about eighteen months ago, which you guys probably
Speaker 3: will remember, is when all through the media people were
Speaker 3: talking about the soaring prices of after pay shares, and
Speaker 3: we're not talking about after pay as a product, we're
Speaker 3: just talking about people investing in them as a company and.
Speaker 5: As a financial advisor. I was like, sir, what why?
Speaker 3: Because they're not even profiting that much to justify the
Speaker 3: share price that exists. They've never paid a dividend, which
Speaker 3: is an amount of money that you get paid if
Speaker 3: you're a shareholder in that company.
Speaker 5: Where's the value here?
Speaker 4: Like?
Speaker 5: Why would I do this?
Speaker 3: And then now it's completely come off and everyone's complaining
Speaker 3: that they've lost money on those shares.
Speaker 5: And they thought it was a good idea.
Speaker 3: But they thought it was a good idea because they
Speaker 3: saw it in media, not because professionals were talking about it.
Speaker 1: It's all about the hype exactly.
Speaker 3: And you also look at what happened pre COVID. Do
Speaker 3: you remember pre COVID?
Speaker 2: All?
Speaker 5: Oh you don't, It didn't exist.
Speaker 4: Now it's a bit of a blow to be honest,
Speaker 4: I'm blocked it out as well.
Speaker 5: But let me refresh your memory.
Speaker 3: Before COVID, all through the newspapers, we were talking about
Speaker 3: how property was going to plummet and people were going
Speaker 3: to get sheep houses and cheap apartments and it was
Speaker 3: going to be a buyer's dream, right that happen? No,
Speaker 3: what are we talking about now? It's not that sexy
Speaker 3: to talk about how property didn't drop, So there's.
Speaker 5: No articles on that.
Speaker 3: In fact, I found an article a little while ago
Speaker 3: in a newspaper pretty much at the very back of
Speaker 3: it going property prices have remained stable, and I'm like, yeah,
Speaker 3: I know it makes sense. So it's one of those
Speaker 3: things where you're just like, the media talk about things
Speaker 3: and instill fear in us, and I think we need
Speaker 3: to be really careful about what we're consuming and what
Speaker 3: we're believing and what we're not because it actually ends
Speaker 3: up impacting our mental health and how we feel about
Speaker 3: things and the decisions we make around money.
Speaker 5: And that gives me the ick.
Speaker 4: Yeah, I will just say, I'll give the media one credity.
Speaker 4: The price of lettus is ridiculous. I can barely afford
Speaker 4: a cheeseburger, which is a travesty.
Speaker 3: At the moment, guys, I've gone back to frozen spinach.
Speaker 3: I will not be buying lettuce. Like, if you want
Speaker 3: a salad at my house, not happening here, have a
Speaker 3: frozen block of spinach.
Speaker 5: Because that's all.
Speaker 4: That's why she's not doing her morning poos trap because
Speaker 4: she's all up from the spinach spineach.
Speaker 5: In my smoothies.
Speaker 3: I am absolutely regular follow my Instagram stories, you know
Speaker 3: I love a good meta musal.
Speaker 1: Okay, come your farm, Victoria here in the media jop.
Speaker 2: All right, let's do this thirty and one A six five.
Speaker 2: Give us a call right now. Have you seen a
Speaker 2: news headline and you've just thought to.
Speaker 1: Yourself, come come if you have thurstay one A six five.
Speaker 2: We're going to take your calls next right here on
Speaker 2: She's on the Money Radio show for your Saturday Morning.
Speaker 7: This is She's on the Money Radio show.
Speaker 1: Via Saturday Morning.
Speaker 2: It's She's on the Money Radio Show with Australia's number
Speaker 2: one finance podcast of Victoria Devine.
Speaker 3: That's you, Oh spicy, I feel like there's nowhere to
Speaker 3: go from there.
Speaker 5: Honestly, step for down, speaking of down the share market
Speaker 5: right now.
Speaker 1: Oh, I was going to say, like Mitch Cherry, who's
Speaker 1: on the show as well.
Speaker 5: That was pretty I'll take that.
Speaker 4: But I am up. I'm in such a great mood
Speaker 4: to be here with you guys. We've got a great show.
Speaker 6: Yeah.
Speaker 5: On Saturdays.
Speaker 1: We are doing this.
Speaker 4: Come here.
Speaker 5: News media is pretty cooked at the moment.
Speaker 3: I feel like there are headlines coming out my ears
Speaker 3: about how bad the economy is, how expensive lettuce is,
Speaker 3: what the cost of oil is, what petrol looks like,
Speaker 3: and I'm just over seeing the media overhype things to
Speaker 3: terrify us.
Speaker 5: So we're going to get some people to.
Speaker 3: Call through and tell us some headlines that they think
Speaker 3: people need to calm their farms about Victoria.
Speaker 1: What are you doing, mate? There's no need to talk
Speaker 1: because we got this come um y that is art's glorious.
Speaker 2: Thirty one six five is and number. Give us a
Speaker 2: call right now, just like Tommy has done. Mate, What
Speaker 2: do you think the media need to come um ya over?
Speaker 4: All?
Speaker 6: Right?
Speaker 1: Well, there's this third He calls himself the slum Dose
Speaker 1: millionaire because he's young, like he lives in Vegas. I
Speaker 1: made a million bucks off singing earlier this year called
Speaker 1: bloody dog Coin And yeahst you could say, and I'm
Speaker 1: pretty sure.
Speaker 5: The slum doge millionaire lum dose.
Speaker 3: I love the confidence in that, though, imagine naming yourself that.
Speaker 3: And also I don't mean to be a bit rude,
Speaker 3: but like property prices in Melbourne have just hit in
Speaker 3: our verage of what one point one million dollars?
Speaker 5: Is that even that much money?
Speaker 2: Now?
Speaker 4: No?
Speaker 2: No, it's like when they got million dollar listings, it's like, well,
Speaker 2: hang on a second, that's just a regular yeah, slum
Speaker 2: dosh millionaire.
Speaker 3: I love it, but I also just feel like that
Speaker 3: gives me the eg Yeah.
Speaker 2: And you know what media come come yam, speaking of Indy,
Speaker 2: you think the media need to come down with property?
Speaker 6: Oh my gosh. Yeah. I am so sick of seeing
Speaker 6: some twenty year old being able to retire because they've
Speaker 6: got a billion dollar property portfolio or something like that.
Speaker 6: Those stories are everywhere time.
Speaker 5: It's actually really easy.
Speaker 3: All those guys did was stop eating avocados and now
Speaker 3: they can afford property.
Speaker 5: It's actually mat Yeah.
Speaker 6: Yeah.
Speaker 3: I went to a cafe the other day and I
Speaker 3: saw in the menu that the smashed avocado was twenty
Speaker 3: seven dollars.
Speaker 5: I was like, no, do we can't afford property?
Speaker 2: Oh my god?
Speaker 5: Yeah, not great.
Speaker 3: But at my local supermarket, avocados money win dollar.
Speaker 2: You know what you need to do, though, Victoria, buy
Speaker 2: those dollar avocados, make your own avo smash charge twenty
Speaker 2: five No twenty five, undercut.
Speaker 3: Those, undercut them, and then after I've undercut them, I
Speaker 3: can afford a house. Is that right?
Speaker 1: Money win that come to my house?
Speaker 5: If Sully smaver. But I'm kind of sick of seeing
Speaker 5: these million.
Speaker 3: Dollar property portfolios as well from young people, because you
Speaker 3: also go, I know, mum and dad helped you out there, Sirlow.
Speaker 4: Oh, that's exactly it. Where are your parents?
Speaker 1: Hey? On thurday one of six ' five.
Speaker 2: We are taking your calls right now because we think
Speaker 2: the media are just blowing up headlines and they need
Speaker 2: to calm Come Yu, you're hating the Dow Jones, mate,
Speaker 2: talk to us, buddy, what's wrong?
Speaker 7: Every single morning they're going on about it.
Speaker 1: It's up, it's down, it's up, it's down, it's up.
Speaker 6: Get these guys something to flatten them out.
Speaker 3: My favorite thing about mediocre, midle aged white men talking
Speaker 3: about finance is they always like to throw those terms
Speaker 3: and acronyms around make themselves seem smarter, and it's like, okay,
Speaker 3: Dow Jones is just the average of.
Speaker 5: What the market looks like. It's not actually that exciting.
Speaker 1: Is that what it means?
Speaker 5: Yeah?
Speaker 1: Literally? Wow? And how aggressive was that for a Saturday.
Speaker 3: Morning I Dave and I too piece kids in the car.
Speaker 1: Davy mate, Hey Dave, I think you need to calm you.
Speaker 4: Come ya um? All right?
Speaker 2: Coming up next Victoria, We're going to solve somebody's money dilemma.
Speaker 5: We are.
Speaker 3: If you're struggling with your cash flow and you've found
Speaker 3: yourself in a little bit of a pickle and need
Speaker 3: some advice, you can hit us up on the She's
Speaker 3: on the Money socials this week.
Speaker 5: We've got Brontie.
Speaker 3: Who wants us to share some tips on paid parental leaves.
Speaker 3: She's expecting a baby in the next few months and
Speaker 3: I'm going to dish out some.
Speaker 2: Advice because with all of your kids, you'd be the expert,
Speaker 2: not a parent.
Speaker 3: And that's exactly who parents want to hear parenting advice from.
Speaker 5: So let's do that after the break.
Speaker 1: Right after this on She's on the Money Radio show.
Speaker 7: This is She's on the Money Radio show.
Speaker 1: This Saturday morning.
Speaker 2: It's She's on the Money Radio Show with Australia's number
Speaker 2: one finance podcast of Victoria Devine, Mitch Jury as well,
Speaker 2: and it's all thanks to Budget Directs. Well, the winner
Speaker 2: of Can Stars, insurer of the Year twenty twenty two.
Speaker 2: Budget directs Insurance sold what a small flex.
Speaker 5: We're just the insurer of the yo biggie neck.
Speaker 1: Haven't they done that for the past five years?
Speaker 3: Though She's like, way more than five years, But do
Speaker 3: you reckon? Their team goes to coffee and they're like, oh,
Speaker 3: where do you wear cour Budget Director, We're actually the
Speaker 3: insurer of the year, and everyone's like, yeah.
Speaker 4: We've solved insurance. Insurance has like we've got solved it.
Speaker 1: Yeah, so give up your losers. Anyway, it's time for this.
Speaker 4: Each week we bring someone's financial story on the air
Speaker 4: to get Victoria to, you know, jump on your soapbox.
Speaker 4: And that sounds like it's unsolicited, but we love when
Speaker 4: Victoria gets her Chanelle shoes on that soap box. You
Speaker 4: should see her. She so delicately jumps up and she
Speaker 4: gives advice. So you can hit us up online. This
Speaker 4: is one from Bronti. Bronti sent this in. She says, Hi, Victoria,
Speaker 4: I'm pregnant and I'm having my first baby in October,
Speaker 4: and I don't understand how paid parental leave works, and
Speaker 4: there's mixed messages on the internet. I turn around an
Speaker 4: annual salary of roughly seventy five thousand, so should she
Speaker 4: just get paid her normal salary for eighteen weeks. She's
Speaker 4: also read that there's flexible paid parental leave. She'd been confused.
Speaker 4: You can get thirty days off. What's your advice, Victoria?
Speaker 3: This one is a little bit of a pickle because
Speaker 3: it actually depends on who you're employed by, where you're employed,
Speaker 3: and what your employment contract says. So at a minimum,
Speaker 3: paid parental leave here in Australia is able to be
Speaker 3: received by working parents for eighteen weeks at minimum pay,
Speaker 3: So like that's the base amount that you'll get, which
Speaker 3: means if you work for a small business or a
Speaker 3: company that doesn't have a different parental leave policy in place,
Speaker 3: that'll just be the default, right, So if you decided
Speaker 3: to go have a baby, that's what you'll get at
Speaker 3: minimum wage. It won't matter what you actually earn day
Speaker 3: to day or what's on your employment contract because it
Speaker 3: kind of defaults back to minimum wage because you're out
Speaker 3: of that business. I love that it's eighteen weeks. I
Speaker 3: feel like that's a really good amount of time at
Speaker 3: a minimum. For most months it is not enough and
Speaker 3: they want to take more time, which I totally understand. However,
Speaker 3: there are a few options that are available. One the
Speaker 3: first thing I do is actually check your employment contract,
Speaker 3: so where you work, to see what their paid parental
Speaker 3: leave is. I've got clients who work in government and
Speaker 3: they actually get six months full pay or twelve months
Speaker 3: off at half pay. I've got clients that have epic
Speaker 3: parental leave policies where it's actually twelve months of full
Speaker 3: pay leave. I've got clients who work for really big
Speaker 3: companies as well that have come to me and they're like,
Speaker 3: oh my gosh, like I've got this really great salary,
Speaker 3: really big company, and then we look at their policy
Speaker 3: and they only have the eighteen weeks of minimum pay
Speaker 3: because it's not something that their HR department has organized.
Speaker 3: So I think it's a really interesting point because it's
Speaker 3: not ever going to be consistent, and the best thing
Speaker 3: you can do is actually go to your employment contract,
Speaker 3: have a look at what that says, and go from there,
Speaker 3: because as much as the minimum exists, there might be
Speaker 3: some bonuses that are on top. But when it comes
Speaker 3: to that, there's also the ability to negotiate with your employer. Right,
Speaker 3: So if you work for a company that only offers
Speaker 3: you the minimum of eighteen weeks, you can go, look,
Speaker 3: I really want some more time. Is there any way
Speaker 3: that we could go, you know, part time, or I
Speaker 3: could work some more hours now so I get some
Speaker 3: time off later, or is there the ability to double
Speaker 3: that eighteen weeks and just have it at the half pay,
Speaker 3: or take some time without pay at all. And I
Speaker 3: think that there's a way to make it work. You
Speaker 3: just have to have open lines of communication with your
Speaker 3: employer about what that means.
Speaker 5: However, as I said, it's different for everybody. But sneaky
Speaker 5: thing that.
Speaker 3: I've been talking about in the Shees on the Money
Speaker 3: community recently is actually about superranuation. So you don't get
Speaker 3: paid super on that amount of money, which means for
Speaker 3: the period of sleep that you're out of work, you're
Speaker 3: not actually contributing to your retirement savings. And that doesn't
Speaker 3: put women in the best possible position. So if there's
Speaker 3: any way to negotiate with your employer for even just
Speaker 3: that to be included, future you is going to be
Speaker 3: in a significantly better position. But there's another sneaky tip,
Speaker 3: and that's maybe have a chat with your partner, because
Speaker 3: did you know your partner can pay you some super
Speaker 3: to make sure you're not behind exactly, so you can. Yeah,
Speaker 3: your partner can actually put some cash towards your supranuation
Speaker 3: and get a tax refund for in some circumstances. And
Speaker 3: I think that that's really important to negotiate because if
Speaker 3: you're the person that is the primary caregiver, your retirement
Speaker 3: savings shouldn't go behind.
Speaker 5: It's a group effort.
Speaker 3: We all should be on the same page, and these
Speaker 3: are things that we need to talk about more consistently
Speaker 3: and openly.
Speaker 4: Wow, well, my tiv I'm not a financial advisor, but
Speaker 4: have twins and then everything will be double. That's how
Speaker 4: it works, Victoria. Right, the more, the more you get,
Speaker 4: that's how it works. I think that is.
Speaker 1: That's good advice for me is stop giving advice.
Speaker 2: Definitely great advice and always be practicing. Hey, speaking of sneaky,
Speaker 2: those little sneaky tips that you've been given. There, we
Speaker 2: are going to do Super Savis Saturday, Victoria.
Speaker 5: Next, I'm obsessed with Super Savior Saturday.
Speaker 2: Let's go your sneaky little tips on how to keep
Speaker 2: more bucks in your bank account that's coming up right
Speaker 2: after this on She's on the money radio show.
Speaker 7: This is She's on the Money radio show.
Speaker 2: For your Saturday morning right across the country. It's She's
Speaker 2: on the Money radio show with Australia's number one finance podcaster,
Speaker 2: Victoria Divine mits churry as well. It is your favorite time, Victoria,
Speaker 2: because it's time to do.
Speaker 1: This simper savo Saturday.
Speaker 2: All right, Miss Devine, it is time for you to
Speaker 2: give our listeners some sneaky little tips on how we
Speaker 2: can keep more bucks in our bank account. What do
Speaker 2: you got for us this week? You sneaky little tip giver?
Speaker 4: All right?
Speaker 3: So tip number one is subscription services. And you're like, Victoria, Netflix,
Speaker 3: I'm not getting rid of it. Stop thinking I'm going
Speaker 3: to become a millionaire from this.
Speaker 5: We're not. That's not going no, no, no no.
Speaker 2: But I like how she says that about our listeners
Speaker 2: when it's really about her.
Speaker 1: She's projecting.
Speaker 3: Yes, it's actually any advice on here is me projecting
Speaker 3: my personal feelings onto you guys.
Speaker 1: That's okay, other people, that's what I do.
Speaker 3: I've got enough therapy to be okay with that, so
Speaker 3: thank you. But it's all about subscription services and you
Speaker 3: might be rolling your eyes, but from little things. Big
Speaker 3: things grow, and we actually need to care about the
Speaker 3: little things because they all add up.
Speaker 1: Right.
Speaker 3: So if you aren't using a subscription, obviously the advice
Speaker 3: there would be to cancel it. But my favorite tip
Speaker 3: is if you're an iPhone News I've I told you
Speaker 3: guys offline this yet, if you're an iPhone, you pick
Speaker 3: up your iPhone, which I want you to do lich
Speaker 3: truly right now, go to settings and in settings.
Speaker 5: You'll have your Apple ID right up the top.
Speaker 3: You'll click your name, and then after that you'll click
Speaker 3: subscriptions and it will tell you all the money you're
Speaker 3: wasting on apps that you subscribe to that you're no
Speaker 3: longer using. So what you're going to do is scroll
Speaker 3: through that and have a look at all of the
Speaker 3: apps that you're paying for that you might be able
Speaker 3: to cancel and save a few dollars.
Speaker 4: Of Do I need Jenny Craig Plus and Wait Watches Premium?
Speaker 4: I probably could get rid of those, good Night.
Speaker 5: I don't think you need them.
Speaker 2: Well, what about me learning French from Babbel since November
Speaker 2: last year?
Speaker 5: How's that been going? What's that testing you?
Speaker 1: Jesa?
Speaker 2: I think that means I'm not sure now every.
Speaker 1: Long way babbel.
Speaker 3: Yeah, I am just opened mind because I don't actually
Speaker 3: take my own advice.
Speaker 5: I just know it's good advice.
Speaker 3: And I realized that I have been playing a dollar
Speaker 3: forty nine for Splice the video Editor because I thought
Speaker 3: at some point I'd become better at making tiktoks and
Speaker 3: reels and stuff.
Speaker 1: Business expense though well I'm.
Speaker 5: Not even claiming it because I didn't even thought.
Speaker 4: I was paid Tinder premium in a relationship for four
Speaker 4: Your boyfriend feel about that.
Speaker 5: Before he actually calls as well.
Speaker 3: Moving on, Tip number two is consider cost per wear.
Speaker 3: So this is me being a little bit self indulgent,
Speaker 3: and we need to check our privilege here as well,
Speaker 3: because not all of us are in the position where
Speaker 3: we go, oh wow, I wear a winter coat a lot.
Speaker 5: I'm going to go buy a.
Speaker 3: Really expensive one because it brings down cost per wear.
Speaker 5: But for every clothing.
Speaker 3: Purchase that you make, I want you to ask how
Speaker 3: often that I'm actually gonna wear this? So we want
Speaker 3: to consider our cost per wear because if you're just
Speaker 3: going to wear it for one weekend out which women
Speaker 3: are particularly good at.
Speaker 5: I say that because I am.
Speaker 3: Often the first to go oh my gosh, I've got
Speaker 3: this party on Saturday night, going out with a few girlfriends.
Speaker 3: I really want a new dress for it, but we
Speaker 3: need to check ourselves and go do we actually need that,
Speaker 3: or if I got something I could wear or something
Speaker 3: I could borrow from a friend. And something else I
Speaker 3: think is really fun to do is up shopping Melbourne, CBD.
Speaker 5: We live where he the rich people live. They give
Speaker 5: away their stuff all the time.
Speaker 3: Go down to a wealthy little up shop and pick
Speaker 3: up some bargains, and then you can always donate them
Speaker 3: when you're done with them, so the circle of life
Speaker 3: keeps going on and on.
Speaker 2: So don't go down to the Frankston op shops, is
Speaker 2: what you're trying to say.
Speaker 3: I mean, I don't know what they've got there. They
Speaker 3: might have some good stuff.
Speaker 2: You never know, that's true. One thing I do know
Speaker 2: is that's all we've got time for for this week.
Speaker 2: She's on The Money Radio show because Mitch Tury, you've
Speaker 2: got to get out of here to go and do
Speaker 2: your favorite show with.
Speaker 1: Your favorite people. Every week.
Speaker 4: There's been a lot of projecting this week. Listen, Tom
Speaker 4: and Veronica, you are kill my closest friends and I
Speaker 4: adore both of you, and I just want you.
Speaker 5: To know that I will right thank you.
Speaker 3: But do you remember being invited to his holiday? No,
Speaker 3: they all went on holiday together.
Speaker 5: We weren't there.
Speaker 1: Well, let's go that came out of me.
Speaker 4: You would not have wanted to be within a square
Speaker 4: meter of me.
Speaker 3: Well it makes sense that you don't need the Jenny
Speaker 3: Craig gap, then, doesn't it all?
Speaker 6: Right?
Speaker 1: Week again?
Speaker 2: This is starting to get vicious, so we'll be back
Speaker 2: next week for everything. Make sure you check our socials
Speaker 2: just search She's on the Money, the Life on Cut
Speaker 2: radio show with Laura what's.
Speaker 1: Her name again? And Brits Who Sorry.
Speaker 4: Britt Hockley and Laura Burn That.
Speaker 2: Is coming up next with their buddy and
Speaker 4: See you next week.