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Speaker 1: Hello, My name's Santasha Nabananga Bamblet. I'm a proud Order

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Speaker 1: Order Kerney Whoalbury and a waddery woman. And before we

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Speaker 1: get started on She's on the Money podcast, I would

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Speaker 1: like to acknowledge the traditional custodians of the land of

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Speaker 1: which this podcast is recorded on a wondery country, acknowledging

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Speaker 1: the elders, the ancestors and the next generation coming through

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Speaker 1: as this podcast is about connecting, empowering, knowledge sharing and

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Speaker 1: the storytelling of you to make a difference for today

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Speaker 1: and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money. She's on the Money.

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Speaker 2: Hello, and welcome to She's on the Money, the podcast

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Speaker 2: for millennials who want financial freedom. My friends, guess what

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Speaker 2: it is Friday. We are back and it is time

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Speaker 2: to get my team together to celebrate you our incredible

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Speaker 2: She's on the Money community Today, mister Grici, She's going

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Speaker 2: to share our favorite money wins or her favorite money

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Speaker 2: wins from the community. Miss beck sayed has a few

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Speaker 2: broke tips that she definitely didn't steal from her girlfriend.

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Speaker 2: We're going to be helping to answer a juicy money

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Speaker 2: dilemma which this week is all about how to improve

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Speaker 2: your credit score, and we're going to be unpacking something

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Speaker 2: that you slid into our DMS about how much is too

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Speaker 2: much when it comes to chipping in for workers.

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Speaker 4: Oh, I have feelings.

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Speaker 2: I'm excited to get to that one. But before we

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Speaker 2: get there, guys, how are your weeks? What's it been

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Speaker 2: like in the office? Beck? At home? Jess? What are

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Speaker 2: we up to?

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Speaker 4: Not a whole lot, to be honest, The weather has

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Speaker 4: taken a turn for the worst. Get me, but I

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Speaker 4: feel we had a few nice days. I was like,

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Speaker 4: I feel alive. I've been resurrected from my winter slumber.

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Speaker 4: And then it started raining again and I was like,

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Speaker 4: oh no, back in slumber. Yeah. So I enjoyed the

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Speaker 4: summer we had it. But this week it's been like

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Speaker 4: cozy indoor vibes, lots of crafts, lots of just pottering

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Speaker 4: around the house.

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Speaker 2: I noticed that you and I have whipped out our cardigans.

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Speaker 4: We have we have very tasty.

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Speaker 2: Earlier this week or even over the weekend, I was

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Speaker 2: literally wearing T shirt. I was not no jumper under cardigan.

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Speaker 2: I thought it is on the up, some is coming,

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Speaker 2: and then the weather was like, hey, guess what gas

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Speaker 2: lip CARDI whether it is exactly Beck, how's your week

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Speaker 2: day you've been in the office.

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Speaker 5: If it's been good, it's been really fun rafughing so busy.

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Speaker 5: They feel like every week so tired too, because you've

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Speaker 5: been doing breakfast shows. Breakfast shows, which like, I mean,

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Speaker 5: I'm really it's fun. I'm happy to be doing it.

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Speaker 5: I am just filling in, But getting up at four am.

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Speaker 2: Like that is David.

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Speaker 5: It feels like not okay for the body, it feels

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Speaker 5: like really illegal. I'm saying this before I was like,

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Speaker 5: oh my gosh, like breakfast radio would be a lot.

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Speaker 5: I mean, shift workers probably go through this too, but

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Speaker 5: like you would have to reset your.

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Speaker 2: Entire body clock. Like it's not just shift work where

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Speaker 2: sometimes you're doing it, sometimes you're not. Like if you

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Speaker 2: work for a breakfast radio show that's Monday to Friday

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Speaker 2: every single week at four am, Like what time do

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Speaker 2: you go to bed? Like four pm?

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Speaker 5: Absolutely some of these people have children as well, so

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Speaker 5: they can't ever sleep in and they probably haven't in

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Speaker 5: years and years and years. So but I mean this

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Speaker 5: is a little glimpse of that.

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Speaker 6: But.

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Speaker 5: Not for me, not for me, but like other than that. Honestly,

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Speaker 5: it's been It's been really good. My social calendar is

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Speaker 5: filling up, and my work calendar is filling up. Birthday month,

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Speaker 5: it's still birthday month. I might just like book myself

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Speaker 5: an airbnb just alone for celebrations as another birthday celebration.

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Speaker 2: Like, no, I've been I've been chilling. What about you?

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Speaker 2: How good this week? I mean Josh today he is

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Speaker 2: let's call him like head of reception, community engagement manager.

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Speaker 2: He buys our love on a weekly basis, right like

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Speaker 2: he's keeper of the jar of chocolates. He's keeper of

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Speaker 2: everything good that comes into this office space. And today

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Speaker 2: he met us at the door with wat chess donuts,

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Speaker 2: really good donuts, a selection. He was like, I have

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Speaker 2: boxes and boxes of donuts and I was like, yes, king,

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Speaker 2: thank you. So that was really nice.

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Speaker 5: I don't know.

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Speaker 2: I've been getting back into the flow of things. I've

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Speaker 2: been playing around on our website, updating a few things.

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Speaker 2: I feel like Jess and I were talking about square

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Speaker 2: space before and how obsessed I am with it. Obviously

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Speaker 2: not a sponsored conversation, but just like how much I

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Speaker 2: now think I'm an official web designer because I can

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Speaker 2: do anything guys, do you want a web page builtback?

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Speaker 2: It's me. I'm going to do it. I can do it.

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Speaker 5: It's so satisfying.

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Speaker 2: Well, I love it. You'd probably be all over it

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Speaker 2: because you're like, yeah, like you know everything, but like me,

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Speaker 2: a person like me doing our website.

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Speaker 4: I'm trying to set mine up for my side hustle.

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Speaker 4: So I come to you.

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Speaker 2: Can we please have a wine? You can teach me

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Speaker 2: how to make one of your cute charm necklaces, and

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Speaker 2: I'll hack your website.

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Speaker 4: I love that.

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Speaker 2: I've also been just in the office a lot this week.

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Speaker 2: We hired a new mortgage broker and I'm currently looking

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Speaker 2: for one, which is so exciting because the team's growing again.

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Speaker 2: But with team growth comes team training and like just

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Speaker 2: getting everyone up to speed and getting everyone on the

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Speaker 2: same page and like it's exciting, but like it's time consuming.

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Speaker 2: So that's been my week this week. Donuts definitely the highlight.

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Speaker 4: Oh yeah, and also our equal payday Monday seems.

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Speaker 2: So far away now that it's Friday, but I love

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Speaker 2: a spicy conversation.

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Speaker 4: Every year, I look forward to the just horrible, horrible comments.

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Speaker 2: You've been watching the comments, like it's so funny because

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Speaker 2: the girls actually don't let me post to the shoes

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Speaker 2: on the money account anymore. Apparently I'm a little bit assertive,

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Speaker 2: you could say, beg and like their feed to be aesthetic,

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Speaker 2: and what I am not good at is an aesthetic feed.

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Speaker 2: I'll just go rogue and post like a picture of

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Speaker 2: my dog or something, which, to be honest, I reckon

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Speaker 2: is still pretty engaging, like that's good content according to me. Anyway.

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Speaker 2: The girls don't let me, but what I do do

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Speaker 2: is get in the comments.

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Speaker 4: Can't control from them.

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Speaker 2: Didn't delete my comments, but you can't block me because

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Speaker 2: I'm the boss. So it was fun getting in the

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Speaker 2: comments this week of people being like, well, actually it's this,

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Speaker 2: and I'd be like, sit down, it's not, it's not.

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Speaker 5: It's so funny that people get worked like I get.

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Speaker 5: I do it in every it's always, but it just

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Speaker 5: feels like like if there's any a single man listening,

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Speaker 5: just try and imagine that something feels unjust for you

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Speaker 5: and everyone's saying that it's not actually unjust, and no

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Speaker 5: one believes you, and then and then also they don't

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Speaker 5: believe you, but also the being really mean about it

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Speaker 5: as well, like you feel really sad son. When women

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Speaker 5: get in the comments, I'm always like, babe, I'm just

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Speaker 5: trying to make sure that you and your friends have money,

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Speaker 5: Like do you not want to be on my team?

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Speaker 2: Like totally, what about this is triggering for you? Can

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Speaker 2: we talk about it? It's I think the comments Obviously,

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Speaker 2: I can deal with men who've been dealing with men

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Speaker 2: for a very long time, like sit down. But it's

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Speaker 2: when women get in the comments and they say, well,

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Speaker 2: I'm paid equally, and I'm like.

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Speaker 5: That is literally survivor bias, Like that is you having

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Speaker 5: experienced one thing and thinking that that's the experience of

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Speaker 5: everybody because you've had this one experience.

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Speaker 2: So it must be true. When they get in my

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Speaker 2: comments and I'm just like, guys, I actually just want

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Speaker 2: the best for everybody, Like I want to make sure

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Speaker 2: that if beck is doing a job and a male

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Speaker 2: is doing an identical job, they are both going to

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Speaker 2: get paid exactly the same for the same skills and

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Speaker 2: experience and what they bring to the job. It's not

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Speaker 2: about oh, but men's jobs take on more risks and

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Speaker 2: women take maternity leave. Oh I get that, but we're

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Speaker 2: talking about when women aren't on any type of leave,

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Speaker 2: they are still being paid less per hour than a

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Speaker 2: man for exactly the same job. And that's what gets me,

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Speaker 2: as you can see, going totally.

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Speaker 5: Pal's not a pie, you guys. It's not going to

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Speaker 5: be taken away from anyone else. So just anyway, sorry, Jess.

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Speaker 2: How is not a pie? Can we make that?

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Speaker 4: That's very catchup? I'm put that on a T shirt.

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Speaker 4: A pie. But if you didn't know, equal payday is

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Speaker 4: just about recognizing the fifty additional days that women on

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Speaker 4: average have to work to earn the same as a

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Speaker 4: man in a comparable job. We did a really good

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Speaker 4: summary post if you don't know about it and want

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Speaker 4: to learn more. And the WGEA, which is the Workplace

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Speaker 4: Gender Equality Agency, do a lot of data. It's a

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Speaker 4: government body. There's a lot of really great information on

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Speaker 4: their website. We would really encourage you to check it

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Speaker 4: out just because, as Beck said, fight the good fight,

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Speaker 4: and even if it's not impacting you, you'll hopefully be

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Speaker 4: able to improve life for somebody else.

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Speaker 5: And this is why Jess sits on that side of

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Speaker 5: the table, you know, coming with the stats, coming with

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Speaker 5: the facts, coming with the very beautiful posts that you

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Speaker 5: can check out, Yes, and I'm over here fighting the

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Speaker 5: good fight.

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Speaker 2: Deep in the comments, kind of like a troll. But

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Speaker 2: it's my own business.

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Speaker 4: And we need both.

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Speaker 5: We honestly need take.

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Speaker 4: All to go make the world go round.

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Speaker 6: Yeah, really done?

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Speaker 2: Yeah, all right, no worries. Speaking of the world going around,

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Speaker 2: there have been some very good money wins going around

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Speaker 2: in our Facebook group this week with Jazicricci. What have

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Speaker 2: you got to bring to the table? Alrighty.

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Speaker 4: Firstly, this week, I have a money in from Isabella

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Speaker 4: who said she had enough Telstra points that she got

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Speaker 4: two free tickets to the movies this week.

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Speaker 2: What are Telstra points? Yes, another type of points we

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Speaker 2: can be collected.

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Speaker 4: Actually, we're just racking up ideas of the different points,

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Speaker 4: and movie tickets aren't cheap, so I feel like that's

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Speaker 4: a big win. Next, I've got a money in from Kim,

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Speaker 4: who said she used the tourist refund scheme at the airport.

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Speaker 4: She bought four hundred dollars Sony headphones on sale for

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Speaker 4: three hundred and twenty one dollars. She's now flying out

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Speaker 4: and twenty nine dollars came back to her through the

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Speaker 4: tourist refund scheme.

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Speaker 2: Huh. Sexy.

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Speaker 4: I didn't know what it was, so I did a

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Speaker 4: quick google and apparently if you show your passport, your

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Speaker 4: boarding pass and all those sorts of things, they just

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Speaker 4: re fung you the money back at the airport.

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Speaker 2: Refunge you tax. Yeah.

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Speaker 4: Is that crazy?

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Speaker 2: So if you're gonna make a big purchase before going overseas,

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Speaker 2: and I feel like that's a really good example of it, right,

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Speaker 2: Like noise canceling headphones, you like wanted some for a

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Speaker 2: really long time, but haven't justified the purchase, and then

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Speaker 2: finally you're like, you know what, I'm going to be

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Speaker 2: in economy for like twenty four hours. I feel like

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Speaker 2: now's the time to splurge on some noise canceling headphones.

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Speaker 4: Get the tax back, Yeah, buy them right before you

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Speaker 4: leave completely. So that's a great win from Kim one

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Speaker 4: for all of us. I think to keep in mind

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Speaker 4: if you're planning on traveling next. I've got a money

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Speaker 4: win from Rachel, also airport themed. Actually, she said she

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Speaker 4: was bumped off a flight because it was overbooked, so

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Speaker 4: they put her on another flight the next day out,

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Speaker 4: which delayed her by eight hours. To compensate her, they

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Speaker 4: gave her twice the value of her ticket back and

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Speaker 4: two meal about it. So you didn't even have to

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Speaker 4: pay for lunch or dinner.

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Speaker 5: Money weird, So I mean that would have been if

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Speaker 5: we can, if we're like assuming that both flights were

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Speaker 5: kind of like the same like return, then that was

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Speaker 5: all free free completely.

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Speaker 4: Have you seen those videos on TikTok as well. I

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Speaker 4: don't think this is a thing here. I think it's

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Speaker 4: purely an American thing. But again, with the overbooking of

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Speaker 4: flights and everyone turns up and they need to get

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Speaker 4: people off, they start offering people cash. And there there

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Speaker 4: was this video of this girl who was like, oh,

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Speaker 4: I'm flying from Italy back home or something like that.

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Speaker 4: The flight's oversold. She's like, I'm just going to wait

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Speaker 4: and see how high it goes, because like I can

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Speaker 4: wait a day and that's fine. And so they started

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Speaker 4: like six hundred dollars, anyone to get off the flight.

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Speaker 4: Six hundred dollars. No one took her. It went up

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Speaker 4: to eight hundred, it went out to twelve thousands, sixteen

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Speaker 4: hundred dollars, and they just put it on another flight.

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Speaker 4: So like, she's not out, she's to pay for sixteen

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Speaker 4: hundred dollars overnight hotel. I think maybe a meal voucher

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Speaker 4: as well.

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Speaker 5: And she's like, I don't care. I'm just going to

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Speaker 5: tell my employer that my flight got canceled, which it

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Speaker 5: kind of did.

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Speaker 2: I got bumped and literally crazy, Oh my gosh.

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Speaker 4: So you go. And someone replied and asked, did you

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Speaker 4: have to request this compensation or did they just offer it?

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Speaker 4: And Rachel, who shared the money in, said she's gotten

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Speaker 4: the compensation from airlines before. It usually requires you getting

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Speaker 4: out the t's and c's and like someone so just

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Speaker 4: from a bar, if you get put out, read you

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Speaker 4: t's and c's, because it's true, that's a money win.

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Speaker 2: And it's usually right there. But they're not going to

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Speaker 2: step up and be like, oh, Beck, by the way,

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Speaker 2: because you're impacted, we owe you money.

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Speaker 5: They're going to be like chasy down the time. Yeah,

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Speaker 5: they're gonna be like, we gave you like dinner vouchers. Yeah,

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Speaker 5: and you're like, oh my gosh, yes, so grateful, thanks bye. Yeah,

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Speaker 5: there's some cash on the table, pick it up.

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Speaker 2: Yeah, truely.

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Speaker 4: Next, I've had of money in from Laura, who said

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Speaker 4: she's been wanting to buy the Glasson's trench coat for

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Speaker 4: a while. They're normally ninety nine dollars, and she had

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Speaker 4: a fifty dollars voucher, but she thought she could do better,

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Speaker 4: so she waited for a sale. They've just gone on

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Speaker 4: sale for fifty nine dollars, so she only paid nine bucks.

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Speaker 4: What and I have that trench coat? Or I bought

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Speaker 4: a version of that trench coat two years ago, Victorians,

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Speaker 4: this trenchcoat comes with me everywhere.

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Speaker 2: Oh my gosh, all right, sit down, sit down. I

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Speaker 2: don't know if it's a running joke. I think it's

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Speaker 2: just funny. Right if you go to the airport with Jess,

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Speaker 2: which often we do as a team, So like we'll

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Speaker 2: be at the airport and there'll be a group of

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Speaker 2: girls and let's say Jess comes last, will literally go,

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Speaker 2: all right, who's putting bets in? What's Ess wearing? I

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Speaker 2: know what Jess is going to wear? And I won

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Speaker 2: last time because none of them knew that this was

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Speaker 2: going to be true. I said she's going to turn

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Speaker 2: up active wear and a trench.

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Speaker 5: Coat, and everyone was like, why would she be wearing

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Speaker 5: active wear with a trench coat.

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Speaker 2: I was like, I don't know, it makes sense to Jess,

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Speaker 2: So that's what she's going to be wearing. And Brook

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Speaker 2: was literally like why though, no, it's true. Jess's travel

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Speaker 2: outfit is active wear with a trench coat because Jess

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00:13:26,920 --> 00:13:28,839
Speaker 2: gets cold on the flight and she can use the

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Speaker 2: trench coat as a blanket.

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Speaker 4: Looks kind of cute.

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Speaker 5: I mean, no one, No one's debating that you didn't

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Speaker 5: look cute. Like we're not sitting there being like, oh,

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Speaker 5: what's just going to turn up with? Usually we're going

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Speaker 5: what's just wearing? Because she looks cute. She's literally a

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Speaker 5: fashion influencer. I can picture it in my head. I

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Speaker 5: am picturing a for Dora for some reason.

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Speaker 7: But no, and then I feel like this is a

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Speaker 7: different trench coat vibe.

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Speaker 4: Imagine candy.

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Speaker 2: Fashion blogger sit down.

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Speaker 5: Well, I do wann't know about the acting way, but

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Speaker 5: I don't know that if we're running out of time

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Speaker 5: on moving up, okay, let's move.

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Speaker 2: Money win.

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Speaker 4: Lastly, I've got another points win from Jackie who said

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Speaker 4: she's wrapped up so many points on the McDonald DApp

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Speaker 4: that she's being free coffees every day. What do you

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00:14:25,120 --> 00:14:26,840
Speaker 4: know you could get points on the McDonald You.

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Speaker 2: Can't get points from literally everything.

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Speaker 4: This is so exciting.

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Speaker 2: Do you want to start a new podcast? It's she's

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00:14:32,240 --> 00:14:37,120
Speaker 2: on the points? Just talk about points hacking sounds incredible.

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Speaker 2: I mean it would fly bys if you're listening. Slide

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Speaker 2: into my DMS right now. Absolutely.

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Speaker 4: Chat.

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Speaker 2: Let's move on though, what broke tips you're bringing to

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00:14:46,920 --> 00:14:48,560
Speaker 2: the table this week that aren't stolen?

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Speaker 5: I always get so nervous. I don't know.

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Speaker 4: I don't know more than a year.

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Speaker 5: May I just you know I'm not not an attention seeker.

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Speaker 5: Will I'll take it?

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Speaker 2: I'm sorry, not an attention seeker. Hold on, what's your

331
00:15:05,880 --> 00:15:11,200
Speaker 2: dream career? Isn't it to be in the limelight? I'm sorry? Yes,

332
00:15:12,000 --> 00:15:15,320
Speaker 2: as a stand up comedian, I would know. I don't

333
00:15:15,320 --> 00:15:16,200
Speaker 2: think I could do that.

334
00:15:16,320 --> 00:15:18,800
Speaker 5: I would like to what you want to do if

335
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Speaker 5: the pressure wasn't.

336
00:15:19,600 --> 00:15:22,160
Speaker 4: There, you know, if everything that you get on stage

337
00:15:22,160 --> 00:15:23,600
Speaker 4: you get. Hey, if I in the audience, I'm gonna

338
00:15:23,600 --> 00:15:25,080
Speaker 4: need to turn around and close your eyes.

339
00:15:26,200 --> 00:15:28,400
Speaker 5: And don't expect me to be funny, and then maybe

340
00:15:28,440 --> 00:15:29,520
Speaker 5: I'll be pleasant.

341
00:15:30,240 --> 00:15:30,880
Speaker 4: Let it wash you.

342
00:15:31,160 --> 00:15:34,520
Speaker 2: Totally totally right. As somebody who doesn't like the limelight,

343
00:15:34,640 --> 00:15:36,120
Speaker 2: let's shine someone you.

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Speaker 5: Okay, So thank you so much so. The first one

345
00:15:39,560 --> 00:15:42,400
Speaker 5: comes from one of our community members. She says that

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00:15:42,440 --> 00:15:42,800
Speaker 5: she has a.

347
00:15:42,720 --> 00:15:44,800
Speaker 2: Break tip for me. She's got two young kids.

348
00:15:44,840 --> 00:15:47,880
Speaker 5: Buying nappies and formula and supplies like dummies, et cetera

349
00:15:48,080 --> 00:15:50,600
Speaker 5: is crazy expensive. So a few weeks ago when money

350
00:15:50,680 --> 00:15:52,640
Speaker 5: was tight, they had to get nappies and a few

351
00:15:52,640 --> 00:15:54,880
Speaker 5: other things, but could make it work into their weekly

352
00:15:55,120 --> 00:15:58,160
Speaker 5: grocery budget. So went to Big w week and get nappies,

353
00:15:58,320 --> 00:16:00,720
Speaker 5: bought two of them a few baby thing and got

354
00:16:00,760 --> 00:16:03,720
Speaker 5: ten percent off with everyday rewards and paid for the

355
00:16:04,160 --> 00:16:07,280
Speaker 5: via after pay. So smart, She's like hacked it for

356
00:16:07,400 --> 00:16:10,160
Speaker 5: something she actually needs totally. So I first of all,

357
00:16:10,160 --> 00:16:11,680
Speaker 5: I didn't actually know you get teen percent off with

358
00:16:11,720 --> 00:16:14,280
Speaker 5: everyday rewards in bigw so because.

359
00:16:14,080 --> 00:16:16,400
Speaker 2: It's owned by the same group. Yeah, Like it's incredible.

360
00:16:16,400 --> 00:16:19,280
Speaker 5: And also after pay, like smaller expenses things that you

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00:16:19,320 --> 00:16:21,040
Speaker 5: can I mean, I actually have no idea how much

362
00:16:21,080 --> 00:16:23,400
Speaker 5: that would have come to ye If you use it wisely,

363
00:16:23,840 --> 00:16:26,920
Speaker 5: it can be exactly cash flow it. Thank you.

364
00:16:27,080 --> 00:16:28,600
Speaker 2: So I think it's a really really great idea.

365
00:16:28,720 --> 00:16:31,200
Speaker 5: So there you go that use your every day rewards

366
00:16:31,200 --> 00:16:34,280
Speaker 5: everywhere all the time. Ten percent that's a good money win.

367
00:16:34,560 --> 00:16:37,600
Speaker 5: That's really good This next one comes from Bethany.

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00:16:37,840 --> 00:16:39,400
Speaker 2: So this one is one we have.

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00:16:39,960 --> 00:16:42,360
Speaker 5: Do you guys remember when oh, actually v you went here,

370
00:16:42,360 --> 00:16:44,760
Speaker 5: but we had that broke not.

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00:16:44,800 --> 00:16:49,040
Speaker 4: Bread chick dads, not the broad chicks, the dad dads,

372
00:16:49,080 --> 00:16:51,240
Speaker 4: the two broke dads who.

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00:16:51,080 --> 00:16:55,000
Speaker 2: Are not broke. You were not broke, not even close. No, no, no.

374
00:16:55,120 --> 00:16:57,880
Speaker 2: One of them posted online this week that they bought

375
00:16:57,960 --> 00:16:59,560
Speaker 2: a two million dollar beach house.

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00:17:00,000 --> 00:17:03,800
Speaker 5: Definitely, well, you know, maybe they couldn't afford the three

377
00:17:03,840 --> 00:17:05,160
Speaker 5: mill and that's a real shape.

378
00:17:05,240 --> 00:17:07,280
Speaker 2: Yeah, still grade.

379
00:17:07,640 --> 00:17:09,399
Speaker 5: So they were talking about how you just like you

380
00:17:09,440 --> 00:17:11,720
Speaker 5: don't actually have to use that much laundry urchain.

381
00:17:11,560 --> 00:17:13,120
Speaker 2: So basically true.

382
00:17:13,600 --> 00:17:17,479
Speaker 5: Yeah, and that's like just coming from a regular person.

383
00:17:17,680 --> 00:17:20,880
Speaker 5: But Bethany said that she literally got this advice from

384
00:17:21,040 --> 00:17:23,840
Speaker 5: the person installing her washing machine. From the good guys.

385
00:17:24,119 --> 00:17:26,320
Speaker 5: They said that you can basically just use one third

386
00:17:26,400 --> 00:17:29,080
Speaker 5: or one half of scoop washing powder. But also, white

387
00:17:29,119 --> 00:17:31,960
Speaker 5: vinegar is a great fabric softener softener. Why did I

388
00:17:31,960 --> 00:17:32,560
Speaker 5: say it like that?

389
00:17:32,600 --> 00:17:35,680
Speaker 2: You know what, I love a softener, But that's true.

390
00:17:35,760 --> 00:17:38,919
Speaker 2: In fact, I don't even use softener anymore because it

391
00:17:39,040 --> 00:17:41,879
Speaker 2: sticks to your clothes and makes them less like able

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00:17:42,480 --> 00:17:44,359
Speaker 2: for them yeah, it's not good for them. I mean

393
00:17:44,400 --> 00:17:47,320
Speaker 2: it's like conditioner for your hair. I guess, like try white.

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00:17:47,320 --> 00:17:51,000
Speaker 5: I can't imagine not smelling like a lovely vineagrette after

395
00:17:51,040 --> 00:17:53,600
Speaker 5: you've cleaned your clothes, but just give it.

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00:17:53,960 --> 00:17:54,080
Speaker 1: No.

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00:17:54,200 --> 00:17:57,280
Speaker 2: Vinegar doesn't smell after you've instant out. Thankfully, it's good

398
00:17:57,280 --> 00:17:58,080
Speaker 2: for cleaning.

399
00:17:57,800 --> 00:18:00,600
Speaker 4: The washing machine too, Like washing machines as we run

400
00:18:00,640 --> 00:18:03,000
Speaker 4: like a buy cub and then a vinegar load and

401
00:18:03,040 --> 00:18:03,880
Speaker 4: it's it.

402
00:18:03,760 --> 00:18:07,720
Speaker 2: Gets rid of it. It's a Grade three science project volcano.

403
00:18:08,920 --> 00:18:09,720
Speaker 2: I love that.

404
00:18:09,960 --> 00:18:11,760
Speaker 5: Well anyway, that's all I've got for this week.

405
00:18:11,880 --> 00:18:13,960
Speaker 2: How good? All right, let's go to a really quick

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00:18:14,000 --> 00:18:15,800
Speaker 2: break on the flip side. We're going to be talking

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00:18:15,880 --> 00:18:18,399
Speaker 2: about how you can improve your credit score, and I

408
00:18:18,440 --> 00:18:20,200
Speaker 2: can't wait to get to this, but we are going

409
00:18:20,320 --> 00:18:22,639
Speaker 2: to be talking about how much it's too much when

410
00:18:22,720 --> 00:18:25,439
Speaker 2: it comes to chipping in for work presence, and I

411
00:18:25,480 --> 00:18:27,400
Speaker 2: think that Jess is going to get a bit spicy.

412
00:18:28,160 --> 00:18:30,720
Speaker 2: We don't do that at she's on the money, but

413
00:18:30,840 --> 00:18:33,040
Speaker 2: I feel like she might be triggered by a pastwork place,

414
00:18:33,080 --> 00:18:34,199
Speaker 2: so I can't wait to tell you about that.

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00:18:34,240 --> 00:18:34,440
Speaker 5: Beck.

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00:18:38,359 --> 00:18:40,760
Speaker 4: Welcome back, everybody. Let's take a listen to this week's

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00:18:40,840 --> 00:18:43,640
Speaker 4: money dilemma.

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Speaker 2: Hi, there, have you got a money dilemma you just

419
00:18:46,400 --> 00:18:48,960
Speaker 2: can't solve that She's on the Money Team is here

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00:18:48,960 --> 00:18:52,200
Speaker 2: to help. Every week we tackle your dilemmas, both big

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00:18:52,240 --> 00:18:54,960
Speaker 2: and small, to answer your most burning money, career and

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00:18:55,040 --> 00:18:58,200
Speaker 2: life questions. To get involved, simply head to our website

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00:18:58,240 --> 00:19:00,400
Speaker 2: and leave us a short voice recording and you might

424
00:19:00,440 --> 00:19:02,960
Speaker 2: just find yourself on the show. Now, let's take a

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00:19:03,000 --> 00:19:08,760
Speaker 2: listen to this week's money dilemma.

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Speaker 6: Hihoose on the Money Team. First off, I love your

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00:19:10,080 --> 00:19:13,920
Speaker 6: podcast so much. It has taught me so so much

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00:19:14,000 --> 00:19:16,480
Speaker 6: about finance that I never thought I needed to know,

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00:19:16,800 --> 00:19:20,120
Speaker 6: So thank you for that. And yeah, always very entertaining.

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00:19:20,200 --> 00:19:23,160
Speaker 6: But anyway, I'm hoping you might be able to help

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00:19:23,200 --> 00:19:26,960
Speaker 6: me gain some insight on how to boost my credit score.

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00:19:27,520 --> 00:19:29,800
Speaker 6: I damaged it a little bit when I was being

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Speaker 6: careless and I just generally didn't really understand what it

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00:19:33,040 --> 00:19:35,440
Speaker 6: all meant. And now I'm in the process of trying

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00:19:35,440 --> 00:19:37,679
Speaker 6: to build it back up. I've cleared my debts, I

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00:19:37,720 --> 00:19:40,080
Speaker 6: don't use my credit card, and I'm not really sure

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00:19:40,680 --> 00:19:44,160
Speaker 6: where to go from here, so any advice would be appreciated.

438
00:19:44,800 --> 00:19:45,640
Speaker 6: Thank you so much.

439
00:19:46,320 --> 00:19:48,680
Speaker 2: Okay, I feel like, Jess, we've been doing the show

440
00:19:48,720 --> 00:19:51,520
Speaker 2: long enough that I'm probably not needed for this. How Jess,

441
00:19:51,560 --> 00:19:53,200
Speaker 2: do you improve your credit score?

442
00:19:53,440 --> 00:19:55,560
Speaker 4: It's really good because I think a lot of people

443
00:19:55,600 --> 00:19:58,040
Speaker 4: get confused thinking Australia's like America and you have to

444
00:19:58,080 --> 00:19:59,640
Speaker 4: do all these things and all these credit cards, which

445
00:19:59,640 --> 00:20:02,480
Speaker 4: you don't in Australia. It's pretty much the reverse of

446
00:20:02,520 --> 00:20:03,920
Speaker 4: how you get a bad credit score. You get a

447
00:20:03,960 --> 00:20:07,400
Speaker 4: bad credit score by being not necessarily the most responsible

448
00:20:07,440 --> 00:20:09,760
Speaker 4: with your money, or by opening a lot of lines

449
00:20:09,800 --> 00:20:11,720
Speaker 4: of credits if you have lots of credit cards open,

450
00:20:12,080 --> 00:20:14,560
Speaker 4: or if you have lots of personal loans, or if

451
00:20:14,640 --> 00:20:17,760
Speaker 4: you default on payments on bills or default on payments

452
00:20:17,800 --> 00:20:20,760
Speaker 4: on fines, like all those kinds of things. So the

453
00:20:20,840 --> 00:20:23,480
Speaker 4: reverse of that is basically true to making it better.

454
00:20:23,720 --> 00:20:27,199
Speaker 4: Pay your bills on time, if you can close credit cards,

455
00:20:27,240 --> 00:20:30,919
Speaker 4: pay down personal loans, reduce all of those things. You know,

456
00:20:31,080 --> 00:20:33,720
Speaker 4: your water bills, if you've got fines, pay those. It

457
00:20:33,720 --> 00:20:36,480
Speaker 4: can take a little while. But even now I don't

458
00:20:36,520 --> 00:20:38,080
Speaker 4: know if it must be my credit card, But every

459
00:20:38,119 --> 00:20:40,119
Speaker 4: now and again my credit score takes a point and

460
00:20:40,160 --> 00:20:42,640
Speaker 4: I'm like, I don't know how but it did, and I'm.

461
00:20:42,480 --> 00:20:43,400
Speaker 2: Just pretty sexy.

462
00:20:43,560 --> 00:20:46,320
Speaker 4: Yeah, and I'm just paying everything on time basically.

463
00:20:46,320 --> 00:20:48,720
Speaker 2: That's just she's just good at money. Bit, that's her

464
00:20:48,840 --> 00:20:51,840
Speaker 2: just bragging to us. Oh my credit score just goes up,

465
00:20:51,840 --> 00:20:55,040
Speaker 2: all the ticks up a point.

466
00:20:55,480 --> 00:20:59,320
Speaker 5: Just must be minded to actually and this is oh yeah.

467
00:21:00,000 --> 00:21:02,400
Speaker 2: Remember saying for those of you playing along at home, Yeah,

468
00:21:02,440 --> 00:21:05,560
Speaker 2: maybe haven't gone twelve months back, Like why was your

469
00:21:05,600 --> 00:21:06,760
Speaker 2: credit score through the floor.

470
00:21:06,880 --> 00:21:09,600
Speaker 5: Well, I was bankrupt when I was like twenty five.

471
00:21:09,640 --> 00:21:11,840
Speaker 5: Maybe there was like six seven years ago now, but

472
00:21:12,040 --> 00:21:12,480
Speaker 5: coming up.

473
00:21:12,440 --> 00:21:15,120
Speaker 2: To seven years that's almost off your finance record, isn't

474
00:21:15,119 --> 00:21:15,640
Speaker 2: that exciting?

475
00:21:15,720 --> 00:21:17,600
Speaker 5: Yeah, And I honestly I think it was, Like so

476
00:21:17,680 --> 00:21:20,560
Speaker 5: I think the max is like seven eight hundred, right, yep,

477
00:21:20,960 --> 00:21:22,439
Speaker 5: and then impending.

478
00:21:21,960 --> 00:21:24,760
Speaker 2: On who you go through. So there's a few different

479
00:21:25,080 --> 00:21:28,040
Speaker 2: companies in Australia. I would say that Equifax is the

480
00:21:28,040 --> 00:21:31,520
Speaker 2: biggest one and they go up to twelve hundred. Oh okay, okay.

481
00:21:31,800 --> 00:21:33,200
Speaker 4: Experience is experience.

482
00:21:33,359 --> 00:21:36,160
Speaker 2: Yeah, so there's a copy. Yeah, So you're not wrong,

483
00:21:36,240 --> 00:21:37,280
Speaker 2: it's just there's a lot of.

484
00:21:37,320 --> 00:21:41,600
Speaker 5: Different I just I think I'm worried that there's like

485
00:21:42,040 --> 00:21:44,239
Speaker 5: I've read it wrong or something, because this doesn't seem right.

486
00:21:44,240 --> 00:21:46,000
Speaker 5: But I was on two hundred for so long, two

487
00:21:46,040 --> 00:21:48,440
Speaker 5: hundred point, which is very, very low. I couldn't get

488
00:21:48,760 --> 00:21:51,200
Speaker 5: any credit, which is obviously totally fine, but I also

489
00:21:51,240 --> 00:21:53,600
Speaker 5: couldn't get like a phone plan or anything like that.

490
00:21:53,840 --> 00:21:56,200
Speaker 5: I couldn't get utilities, all these things anyway, And then

491
00:21:56,920 --> 00:21:59,680
Speaker 5: I jumped up to five hundred, like just this year.

492
00:21:59,720 --> 00:22:04,320
Speaker 2: I don't I could have consistency. It's consistency. It's not

493
00:22:04,400 --> 00:22:07,800
Speaker 2: being in debt, it's you know, when they do their checks,

494
00:22:07,880 --> 00:22:11,280
Speaker 2: it's you're not having further debt. These things play into it.

495
00:22:11,320 --> 00:22:13,240
Speaker 2: And I think we as just were saying in this

496
00:22:13,359 --> 00:22:16,800
Speaker 2: American mindset of you get a credit card, and if

497
00:22:16,840 --> 00:22:19,440
Speaker 2: you are good at your credit card, your credit score

498
00:22:19,480 --> 00:22:23,159
Speaker 2: will increase, but that's not really the case here in Australia.

499
00:22:23,200 --> 00:22:26,439
Speaker 2: I think that the credit score actually plays into this

500
00:22:26,640 --> 00:22:31,239
Speaker 2: bigger picture of what I would call credit worthiness, and

501
00:22:31,280 --> 00:22:34,640
Speaker 2: that would be to me, very based on like your

502
00:22:34,680 --> 00:22:37,639
Speaker 2: financial health and your history. And because your bankruptcy is

503
00:22:37,680 --> 00:22:40,880
Speaker 2: getting further and further into the past, your credit score

504
00:22:41,000 --> 00:22:43,640
Speaker 2: is increasing because you haven't stayed there. And I think

505
00:22:43,680 --> 00:22:45,000
Speaker 2: that that's really powerful.

506
00:22:45,200 --> 00:22:47,840
Speaker 5: Oh that makes sense. Well, I literally just got a

507
00:22:47,880 --> 00:22:50,960
Speaker 5: proof of a phone plan the other day and not

508
00:22:51,000 --> 00:22:52,800
Speaker 5: being able to do that in that literal years, so

509
00:22:53,520 --> 00:22:54,040
Speaker 5: it's so.

510
00:22:54,040 --> 00:22:55,879
Speaker 2: Frustrating, Like it was fine.

511
00:22:55,880 --> 00:22:58,000
Speaker 5: I was just like, oh, buying phones outright is like

512
00:22:58,520 --> 00:23:00,760
Speaker 5: kind of annoying. But if you've got on bankrupt, you

513
00:23:00,800 --> 00:23:04,080
Speaker 5: don't have the cash to be buying phones outright, like

514
00:23:04,160 --> 00:23:07,399
Speaker 5: I feel like. Don't get me wrong, there's often a

515
00:23:07,480 --> 00:23:12,400
Speaker 5: reason why lines of credit aren't extended to people experiencing bankruptcy,

516
00:23:12,560 --> 00:23:15,520
Speaker 5: and that's usually because they're not very responsible with them.

517
00:23:15,800 --> 00:23:20,040
Speaker 5: But knowing a lot about your story going bankrupt, you

518
00:23:20,080 --> 00:23:22,960
Speaker 5: were like, I'm so glad my slate has been wiped clean.

519
00:23:23,119 --> 00:23:24,480
Speaker 5: I just want to move on from here.

520
00:23:24,520 --> 00:23:27,119
Speaker 2: But then not being able to move on and going cool,

521
00:23:27,160 --> 00:23:29,760
Speaker 2: now I'm expected to buy a phone out right instead

522
00:23:29,800 --> 00:23:32,199
Speaker 2: of paying like thirty bucks a month or something for

523
00:23:32,600 --> 00:23:36,920
Speaker 2: a cheap one, Like that's such a financial burden, Like

524
00:23:37,000 --> 00:23:39,399
Speaker 2: that just must be a challenge coming back from it,

525
00:23:39,440 --> 00:23:43,280
Speaker 2: and even being able to connect utilities, like be for real,

526
00:23:43,680 --> 00:23:46,560
Speaker 2: you need utilities. I'm assuming you then had to rely

527
00:23:46,640 --> 00:23:48,080
Speaker 2: on other people to help you out.

528
00:23:48,240 --> 00:23:51,040
Speaker 5: I turned away a few times and I had to

529
00:23:51,040 --> 00:23:52,080
Speaker 5: get my house made to do it. But what if

530
00:23:52,080 --> 00:23:54,399
Speaker 5: I was living by myself, I would just not have electricity?

531
00:23:54,640 --> 00:23:56,760
Speaker 5: How do you like, how do you live? But for

532
00:23:56,920 --> 00:23:59,920
Speaker 5: our listener, I just know that I'm not too sure

533
00:24:00,080 --> 00:24:02,040
Speaker 5: or how far away it was. Our listener kind of

534
00:24:02,119 --> 00:24:04,400
Speaker 5: check their credit score and realize it was quite low.

535
00:24:04,480 --> 00:24:06,920
Speaker 5: But I remember you saying this to me as well, Vive,

536
00:24:07,040 --> 00:24:09,720
Speaker 5: like a year ago, you were like, basically just kind

537
00:24:09,760 --> 00:24:11,240
Speaker 5: of wait it out as well.

538
00:24:11,280 --> 00:24:12,840
Speaker 2: It's like it's happening.

539
00:24:12,880 --> 00:24:15,159
Speaker 5: Now it's actually happening, and it does actually happen, and

540
00:24:15,320 --> 00:24:19,840
Speaker 5: Es just does nothing at her, nothing bad. That's why

541
00:24:19,840 --> 00:24:20,359
Speaker 5: it goes up.

542
00:24:21,000 --> 00:24:24,280
Speaker 2: I mean, if you're wondering about your credit score, you

543
00:24:24,280 --> 00:24:26,720
Speaker 2: can go through a number of different platforms to get

544
00:24:27,000 --> 00:24:31,680
Speaker 2: a credit score check for free. Experience Equifax and ily

545
00:24:31,800 --> 00:24:34,919
Speaker 2: On three of the biggest ones here in Australia. And

546
00:24:34,920 --> 00:24:37,520
Speaker 2: I would recommend doing that once every twelve months, to

547
00:24:37,520 --> 00:24:40,760
Speaker 2: do just like your financial health check and make sure

548
00:24:40,920 --> 00:24:44,320
Speaker 2: that it is what it's meant to be. Because I

549
00:24:44,400 --> 00:24:46,800
Speaker 2: hate to say this, I feel like we're talking more

550
00:24:46,840 --> 00:24:50,119
Speaker 2: and more about like scams and people having their data

551
00:24:50,200 --> 00:24:53,280
Speaker 2: stolen and people having their credit card information stolen.

552
00:24:53,920 --> 00:24:55,760
Speaker 4: What oh just reminded me of a story I have

553
00:24:55,800 --> 00:25:01,080
Speaker 4: to tell you. Sorry, we don't have to go through

554
00:25:01,080 --> 00:25:01,720
Speaker 4: this on air time.

555
00:25:02,000 --> 00:25:03,720
Speaker 2: No, no, no, this is now on air.

556
00:25:04,440 --> 00:25:04,640
Speaker 6: Sorry.

557
00:25:04,720 --> 00:25:06,919
Speaker 2: Your deep hop got hacked. In what someone was starting

558
00:25:06,920 --> 00:25:08,840
Speaker 2: to upload clothes and sell them as you.

559
00:25:09,400 --> 00:25:12,240
Speaker 4: So it's so bizarre. So I woke up one morning

560
00:25:12,520 --> 00:25:14,680
Speaker 4: and I had a heap of like notifications on my

561
00:25:14,680 --> 00:25:17,000
Speaker 4: friend from deepop, and I was like, oh, slay me.

562
00:25:17,119 --> 00:25:19,280
Speaker 4: Maybe I'm selling heaps of stuff. This is great. Anyway,

563
00:25:19,520 --> 00:25:23,080
Speaker 4: I had like fifty messages and I opened them up

564
00:25:23,119 --> 00:25:25,000
Speaker 4: and the top one was from deepop saying we've frozen

565
00:25:25,040 --> 00:25:28,359
Speaker 4: your account because of like activities that yeah, so that

566
00:25:28,440 --> 00:25:30,680
Speaker 4: I'm trying to log in trying to figure it out. Thanks, guys,

567
00:25:30,800 --> 00:25:33,560
Speaker 4: had to do a hard reset on like the password,

568
00:25:33,680 --> 00:25:35,800
Speaker 4: like all this stuff. Anyway, I get in, someone has

569
00:25:35,840 --> 00:25:39,399
Speaker 4: hacked my thing and has messaged like seventy five people

570
00:25:39,760 --> 00:25:43,080
Speaker 4: inquiring about their items, saying, hey, I can't see the

571
00:25:43,080 --> 00:25:45,840
Speaker 4: photos of this item, can you text them to this

572
00:25:46,000 --> 00:25:49,400
Speaker 4: WhatsApp number. So then these people were texting the WhatsApp

573
00:25:49,440 --> 00:25:52,480
Speaker 4: number and the person was attempting to scam them via

574
00:25:52,760 --> 00:25:54,840
Speaker 4: And this person must have lived overseas because this all

575
00:25:54,880 --> 00:25:58,520
Speaker 4: happened while I was asleep overnight. So then I was

576
00:25:58,600 --> 00:26:01,800
Speaker 4: such pain because I obviously changed my account, checked my PayPal.

577
00:26:02,000 --> 00:26:05,639
Speaker 4: Thankfully everything was FINECI.

578
00:26:04,480 --> 00:26:05,240
Speaker 2: This scam mute.

579
00:26:05,320 --> 00:26:07,679
Speaker 4: Literally I was like, my good name, I have like

580
00:26:07,720 --> 00:26:10,879
Speaker 4: a five star writing I've sold like two hundred items,

581
00:26:11,240 --> 00:26:12,240
Speaker 4: not today's selsation.

582
00:26:12,359 --> 00:26:15,240
Speaker 2: It's based on her credit score, ban completely.

583
00:26:14,760 --> 00:26:16,920
Speaker 4: And so I literally then had to copy paste a

584
00:26:16,960 --> 00:26:18,520
Speaker 4: message to seventy five people because I.

585
00:26:18,440 --> 00:26:19,240
Speaker 2: Think that's so kind.

586
00:26:19,359 --> 00:26:21,600
Speaker 4: Well, because I was worried, like some people had replied

587
00:26:21,640 --> 00:26:23,160
Speaker 4: and said yeah, no worries like I've sent you with her,

588
00:26:23,240 --> 00:26:25,280
Speaker 4: I was like, shit, like what if this person like

589
00:26:25,359 --> 00:26:28,080
Speaker 4: gets them? So then I messaged every single person saying

590
00:26:28,119 --> 00:26:30,320
Speaker 4: I'm so sorry, this was not me, my account was hacked.

591
00:26:30,320 --> 00:26:31,680
Speaker 4: Please don't reply to the messages.

592
00:26:31,760 --> 00:26:34,080
Speaker 5: But that's a good learning because lots of our community

593
00:26:34,160 --> 00:26:38,560
Speaker 5: use deepop. If anyone asks you to send photos to WhatsApp,

594
00:26:38,600 --> 00:26:39,280
Speaker 5: don't don't do it.

595
00:26:39,720 --> 00:26:41,160
Speaker 4: And it just like it was one of those things

596
00:26:41,200 --> 00:26:44,240
Speaker 4: like I have two factor authentication on like my bank

597
00:26:44,400 --> 00:26:49,080
Speaker 4: and my PayPal, but like everything, I'd never even thought

598
00:26:49,080 --> 00:26:50,919
Speaker 4: about it, and so yeah, just a reminder put two

599
00:26:50,960 --> 00:26:51,760
Speaker 4: factors down.

600
00:26:52,000 --> 00:26:54,199
Speaker 2: But that's exactly why we need to be checking our

601
00:26:54,240 --> 00:26:59,359
Speaker 2: credit score every year totally because even MISSTERCI can get hacked. Yeah,

602
00:26:59,400 --> 00:27:04,119
Speaker 2: and fortunately, the first time some people find out that

603
00:27:04,200 --> 00:27:06,760
Speaker 2: their details have been leaked is because they see something

604
00:27:06,800 --> 00:27:09,439
Speaker 2: suspicious on their credit score and go, hold on, I

605
00:27:09,520 --> 00:27:11,760
Speaker 2: don't have a line of credit with bank ABC.

606
00:27:12,440 --> 00:27:15,320
Speaker 5: I didn't you get an after pay. I didn't do

607
00:27:15,440 --> 00:27:17,200
Speaker 5: these things. And then you can.

608
00:27:17,440 --> 00:27:20,560
Speaker 2: Inquire and nip it in the bud instead of getting

609
00:27:20,600 --> 00:27:22,879
Speaker 2: years down the track and it being messy and hard

610
00:27:22,920 --> 00:27:25,159
Speaker 2: and whoever stole the money has gone a well, Like,

611
00:27:25,240 --> 00:27:27,040
Speaker 2: it's really important to be on top of it, and

612
00:27:27,080 --> 00:27:28,560
Speaker 2: I feel like that should be a part of your

613
00:27:28,600 --> 00:27:31,720
Speaker 2: annual financial health check. And then, as Jess was saying,

614
00:27:31,760 --> 00:27:34,280
Speaker 2: just pay your bills and your rent on time, make

615
00:27:34,320 --> 00:27:36,440
Speaker 2: sure that if you've got loans and credit cards they're

616
00:27:36,480 --> 00:27:40,119
Speaker 2: being paid off. And then even limit how many applications

617
00:27:40,119 --> 00:27:44,200
Speaker 2: you're making, so every single time and application is added

618
00:27:44,240 --> 00:27:48,600
Speaker 2: to your file, it temporarily lowers your credit score. And

619
00:27:48,640 --> 00:27:50,840
Speaker 2: I think that lots of people go, oh, but I

620
00:27:50,880 --> 00:27:52,880
Speaker 2: was just thinking about getting a loan. I didn't get

621
00:27:52,880 --> 00:27:55,360
Speaker 2: the loan. Yeah, why has my credit score gone down?

622
00:27:55,400 --> 00:27:57,520
Speaker 2: It's like, well, I know you thought you were doing

623
00:27:57,560 --> 00:28:01,920
Speaker 2: your research, but you submitted in quiries with five different banks,

624
00:28:02,200 --> 00:28:05,119
Speaker 2: and that's now negatively impacted you. And this is another

625
00:28:05,160 --> 00:28:07,640
Speaker 2: reason why I think it's so important that if you're

626
00:28:07,680 --> 00:28:11,000
Speaker 2: in that home buying process, you're working with one mortgage

627
00:28:11,040 --> 00:28:13,840
Speaker 2: broker to make sure you're not you shopping around with

628
00:28:13,920 --> 00:28:16,439
Speaker 2: different banks, because they'll all run a credit check on

629
00:28:16,480 --> 00:28:20,040
Speaker 2: your behalf and then it ultimately impacts your credit score,

630
00:28:20,080 --> 00:28:21,679
Speaker 2: and then when you finally find the bank that you

631
00:28:21,720 --> 00:28:24,800
Speaker 2: want to go with, you've got a lower credit score

632
00:28:24,800 --> 00:28:28,639
Speaker 2: and therefore you're not as an attractive person. Did it.

633
00:28:28,680 --> 00:28:32,640
Speaker 4: Actually, there's two inquiries on my credit score from two

634
00:28:32,800 --> 00:28:35,080
Speaker 4: of the previous brokers I spoke to you before coming Azala,

635
00:28:35,240 --> 00:28:37,040
Speaker 4: and then Zala hasn't had to do any inquiries for

636
00:28:37,040 --> 00:28:38,120
Speaker 4: me because they just run all.

637
00:28:37,960 --> 00:28:39,680
Speaker 2: The doing it all in the background.

638
00:28:39,760 --> 00:28:40,760
Speaker 4: Yes, correct.

639
00:28:41,240 --> 00:28:43,880
Speaker 2: Do you know how much that frustrates me? Yeah, because

640
00:28:43,960 --> 00:28:46,320
Speaker 2: I'm not saying it's lazy, because you're broker at the

641
00:28:46,440 --> 00:28:49,200
Speaker 2: end of the day, to get the loan done needs

642
00:28:49,240 --> 00:28:51,959
Speaker 2: to do it all officially and go through those channels

643
00:28:51,960 --> 00:28:55,960
Speaker 2: and do a credit check. But everything unless you're ready

644
00:28:56,000 --> 00:28:58,800
Speaker 2: to buy, everything can be done in the background and

645
00:28:58,840 --> 00:29:01,400
Speaker 2: be done properly to make sure that we're not impacting

646
00:29:01,440 --> 00:29:05,800
Speaker 2: you negatively. Like anyway, that's a conversation for another day.

647
00:29:05,920 --> 00:29:08,240
Speaker 2: And then another way to build up your credit score

648
00:29:08,280 --> 00:29:11,200
Speaker 2: is to just have cash coming in consistently. So cash

649
00:29:11,240 --> 00:29:13,560
Speaker 2: coming into your bank account. It's obviously going to give

650
00:29:13,560 --> 00:29:15,400
Speaker 2: you a savings buffer to make sure that you can

651
00:29:15,440 --> 00:29:18,000
Speaker 2: pay your bills on time and you're not going into debt,

652
00:29:18,240 --> 00:29:21,320
Speaker 2: but it's also a really good way over time to

653
00:29:21,480 --> 00:29:24,120
Speaker 2: show that you're a good credit risk when applying for

654
00:29:24,160 --> 00:29:25,760
Speaker 2: a credit card or a bank loan, or in the

655
00:29:25,760 --> 00:29:28,640
Speaker 2: future for a home loan. And obviously everyone's different, but

656
00:29:29,600 --> 00:29:33,320
Speaker 2: in Australia it is not about lines of credit and

657
00:29:33,360 --> 00:29:37,200
Speaker 2: maintaining them. It's about just doing the basics.

658
00:29:36,640 --> 00:29:40,560
Speaker 4: Well and lower your credit card minimum if you can. Yeah,

659
00:29:40,640 --> 00:29:43,000
Speaker 4: that happened to me. When I applied for my card.

660
00:29:43,000 --> 00:29:46,920
Speaker 4: They're like, he's ten thousand dollars and I was like much, Yeah,

661
00:29:46,960 --> 00:29:48,640
Speaker 4: and I dropped it to the minimum, which is like

662
00:29:48,680 --> 00:29:51,640
Speaker 4: maybe two or three thousand, and even that like reducing

663
00:29:51,680 --> 00:29:54,320
Speaker 4: the amount of credit that I could have access.

664
00:29:54,400 --> 00:29:56,320
Speaker 2: Yeah, yeah, credit score.

665
00:29:56,240 --> 00:29:58,000
Speaker 5: I just have one question, Oh, you can have as

666
00:29:58,000 --> 00:30:00,520
Speaker 5: many as you want as someone who couldn't. Actually this

667
00:30:00,560 --> 00:30:04,240
Speaker 5: sounds weird, but I couldn't have bills in my name. Yeah,

668
00:30:04,280 --> 00:30:06,640
Speaker 5: so I didn't have bills. I did have bills obviously,

669
00:30:06,640 --> 00:30:09,200
Speaker 5: but they weren't in my name. So does that just

670
00:30:09,240 --> 00:30:11,560
Speaker 5: require like I didn't have a phone line, I didn't

671
00:30:11,600 --> 00:30:14,200
Speaker 5: have electricity, any utilities, and nothing was in my name.

672
00:30:14,240 --> 00:30:15,680
Speaker 5: I could actually.

673
00:30:15,400 --> 00:30:17,680
Speaker 2: Don't go into further debt. Don't go into further debt. Yeah,

674
00:30:17,680 --> 00:30:20,120
Speaker 2: and it's about remember how like twelve months ago, I

675
00:30:20,200 --> 00:30:23,360
Speaker 2: was like, yeah, Beck, sit and wait, give it time.

676
00:30:23,440 --> 00:30:26,520
Speaker 2: Your credit score is I promise going to improve as

677
00:30:26,600 --> 00:30:29,160
Speaker 2: long as there aren't lots of inquiries, as long as

678
00:30:29,200 --> 00:30:31,240
Speaker 2: you aren't going into further debt, you aren't taking out

679
00:30:31,280 --> 00:30:33,040
Speaker 2: lines of credit, Beck, what happened?

680
00:30:33,680 --> 00:30:34,520
Speaker 5: They did shoot up?

681
00:30:34,640 --> 00:30:37,120
Speaker 2: Yeah, they go, but it takes time.

682
00:30:37,720 --> 00:30:40,840
Speaker 5: So it's about, you know, consistently saving and putting yourself

683
00:30:40,840 --> 00:30:42,320
Speaker 5: in a place where you aren't going.

684
00:30:42,240 --> 00:30:44,320
Speaker 2: To not be able to pay your bill. Like you're

685
00:30:44,360 --> 00:30:47,000
Speaker 2: just making sure that your financial house is super secure.

686
00:30:47,080 --> 00:30:49,760
Speaker 2: And when you're in that stitch, you're better off and

687
00:30:49,800 --> 00:30:51,680
Speaker 2: your credit score is going to increase. But that's not

688
00:30:51,720 --> 00:30:53,320
Speaker 2: the same as America. So if you're one of our

689
00:30:53,320 --> 00:30:55,360
Speaker 2: American listeners, I'm really sorry, but if you're one of

690
00:30:55,360 --> 00:30:58,160
Speaker 2: our Australian listeners, stop looking at American content.

691
00:30:59,520 --> 00:31:01,160
Speaker 4: All right, should get into the juice.

692
00:31:01,640 --> 00:31:04,240
Speaker 2: I'm ready, I'm ready. I'm so excited because I feel

693
00:31:04,240 --> 00:31:08,920
Speaker 2: like Jess has some trauma from shared gifts. Are you ready?

694
00:31:09,080 --> 00:31:09,400
Speaker 4: Ready?

695
00:31:09,520 --> 00:31:09,840
Speaker 5: Ready?

696
00:31:09,960 --> 00:31:10,320
Speaker 2: Okay?

697
00:31:10,360 --> 00:31:13,200
Speaker 5: So this week we got a DM sounded exactly like this,

698
00:31:13,240 --> 00:31:14,800
Speaker 5: because I'm just going to read it out for you.

699
00:31:15,440 --> 00:31:18,040
Speaker 2: Hi, V and team. I need some advice. A little

700
00:31:18,040 --> 00:31:20,640
Speaker 2: while back and email went around at work asking for

701
00:31:20,680 --> 00:31:24,600
Speaker 2: fifty bucks for a present for the CEO. He's always

702
00:31:24,640 --> 00:31:26,720
Speaker 2: doing thoughtful things for the employees, and it was a

703
00:31:26,760 --> 00:31:29,520
Speaker 2: gift I knew, kid love, so I chipped in without

704
00:31:29,520 --> 00:31:33,200
Speaker 2: thinking twice. Now another email has come around asking for

705
00:31:33,240 --> 00:31:36,760
Speaker 2: fifty dollars for a different staff member. Honestly, that seems

706
00:31:36,800 --> 00:31:39,560
Speaker 2: like a crazy amount to ask for co workers for

707
00:31:39,640 --> 00:31:42,640
Speaker 2: staff birthdays. I mean, this is about a quarter of

708
00:31:42,640 --> 00:31:45,800
Speaker 2: my family's grocery budget for the week. Is this amount

709
00:31:45,880 --> 00:31:49,200
Speaker 2: unreasonable or is it just what's expected these days? And

710
00:31:49,320 --> 00:31:53,200
Speaker 2: how do I bring it up without looking cheap? I

711
00:31:53,280 --> 00:31:54,560
Speaker 2: hate it so much.

712
00:31:55,360 --> 00:31:58,080
Speaker 5: At fifty dollars be for real, so much that a

713
00:31:58,080 --> 00:31:59,880
Speaker 5: lot lot of body.

714
00:32:00,920 --> 00:32:03,000
Speaker 2: Like for me. Sorry, straight out the gate usually let

715
00:32:03,080 --> 00:32:07,240
Speaker 2: you guys have your opinions first. No, No, fifty bucks,

716
00:32:07,280 --> 00:32:11,600
Speaker 2: Like that's in our friendship group when we're doing group presents,

717
00:32:11,880 --> 00:32:14,880
Speaker 2: that's the amount that we all chip in for, like, oh,

718
00:32:14,960 --> 00:32:16,200
Speaker 2: it's your thirtieth.

719
00:32:15,920 --> 00:32:17,240
Speaker 5: Thirtieth a big one.

720
00:32:17,520 --> 00:32:21,120
Speaker 4: Yeah, like a good friend, A good friend, not a co.

721
00:32:21,000 --> 00:32:26,000
Speaker 2: Word do I allocate for like my mum at Christmas?

722
00:32:26,840 --> 00:32:27,560
Speaker 4: And not a CEO?

723
00:32:27,920 --> 00:32:31,680
Speaker 5: Maybe because they're probably making a lot of money, but also.

724
00:32:31,840 --> 00:32:32,440
Speaker 4: For the CEO.

725
00:32:32,760 --> 00:32:35,560
Speaker 2: But I can see why this person first cab off

726
00:32:35,560 --> 00:32:38,680
Speaker 2: the rank was like, oh, it's for the CEO. That's

727
00:32:38,720 --> 00:32:42,240
Speaker 2: somebody high up that I feel gives me a lot

728
00:32:42,240 --> 00:32:45,640
Speaker 2: of value and probably doesn't get this back in exchange

729
00:32:45,760 --> 00:32:49,040
Speaker 2: very often. And I really like this idea, Like I'm

730
00:32:49,080 --> 00:32:51,960
Speaker 2: assuming that was maybe like a once off, like Hey, Jess,

731
00:32:52,000 --> 00:32:54,800
Speaker 2: I'd love to organize something for Beck because she does

732
00:32:54,840 --> 00:32:57,800
Speaker 2: so much for us, not a Hey Jess, Beck's birthday

733
00:32:57,840 --> 00:32:59,400
Speaker 2: is coming out. Are you gonna chip in fifty bucks?

734
00:32:59,520 --> 00:32:59,720
Speaker 4: Yeah?

735
00:33:00,440 --> 00:33:02,800
Speaker 5: Yeah, what Yeah, that's a lot.

736
00:33:02,960 --> 00:33:04,840
Speaker 4: It just makes me wonder how many people are in

737
00:33:04,840 --> 00:33:07,080
Speaker 4: this company because this was my past experience. I worked

738
00:33:07,080 --> 00:33:11,720
Speaker 4: at a big corporate before coming here. Also, i'd corporate Yeah,

739
00:33:11,840 --> 00:33:15,920
Speaker 4: it was a very large team, and so it was

740
00:33:16,080 --> 00:33:19,400
Speaker 4: very common practice for everyone to put in money for everyone.

741
00:33:19,680 --> 00:33:24,120
Speaker 4: And respectfully this company, I didn't really like anybody, like

742
00:33:24,280 --> 00:33:26,760
Speaker 4: they were my coworkers. I was polite to them, they

743
00:33:26,800 --> 00:33:29,840
Speaker 4: were polite to me. I wouldn't be caught dead hanging

744
00:33:29,880 --> 00:33:31,560
Speaker 4: out with them outside of work, and that is like

745
00:33:31,640 --> 00:33:34,360
Speaker 4: that normalized that. But like you don't have to be

746
00:33:35,040 --> 00:33:37,520
Speaker 4: besties with everybody that you work with, and that's so fine,

747
00:33:37,680 --> 00:33:41,800
Speaker 4: weird but okay, very different in small business, very different.

748
00:33:41,800 --> 00:33:44,080
Speaker 5: But even in small business, you don't have to be

749
00:33:44,080 --> 00:33:45,200
Speaker 5: besties totally.

750
00:33:45,560 --> 00:33:47,840
Speaker 4: And so I think it was the expectation at what

751
00:33:48,000 --> 00:33:50,080
Speaker 4: it was. You know, this month x y ZX birthday,

752
00:33:50,080 --> 00:33:52,720
Speaker 4: every like basically like money tin going around. Everyone chucked

753
00:33:52,760 --> 00:33:54,560
Speaker 4: money in and I was like, why am I spending

754
00:33:54,600 --> 00:33:57,480
Speaker 4: money on these people that I don't like? Like it

755
00:33:57,680 --> 00:34:01,360
Speaker 4: just is very uncomfortable. I also at the time was earning,

756
00:34:01,680 --> 00:34:04,000
Speaker 4: like from my perspective, a very low amount, and I

757
00:34:04,080 --> 00:34:05,840
Speaker 4: was one of the roles that would have been the

758
00:34:05,880 --> 00:34:06,800
Speaker 4: lowest paid.

759
00:34:06,560 --> 00:34:08,520
Speaker 2: With it was that also when you were in debt.

760
00:34:09,040 --> 00:34:09,719
Speaker 4: I was in debt.

761
00:34:09,800 --> 00:34:14,200
Speaker 2: Yeah, absolutely, I'm sorry you don't have that cash to splash, No.

762
00:34:14,360 --> 00:34:17,200
Speaker 4: And it was it just felt I was like, why

763
00:34:17,239 --> 00:34:21,080
Speaker 4: am I paying for your gift when I don't like you,

764
00:34:21,160 --> 00:34:23,279
Speaker 4: I don't know you, I don't really talk to you.

765
00:34:23,440 --> 00:34:26,400
Speaker 2: I didn't even get an invite to your birthday party. Literally,

766
00:34:26,480 --> 00:34:29,000
Speaker 2: It's a bit different if they'd invited you to their

767
00:34:29,040 --> 00:34:31,200
Speaker 2: birthday on a Saturday night and you turned up and

768
00:34:31,239 --> 00:34:33,040
Speaker 2: you were like, oh, I got them a gift even

769
00:34:33,040 --> 00:34:35,640
Speaker 2: then to fifty dollars. I'm not spending fifty dollars on

770
00:34:35,680 --> 00:34:39,120
Speaker 2: a coworker's birthday present at their party.

771
00:34:38,920 --> 00:34:42,160
Speaker 4: Now, like very different in like this environment, Like gift

772
00:34:42,200 --> 00:34:43,640
Speaker 4: giving is one of my love languages.

773
00:34:43,680 --> 00:34:45,759
Speaker 2: I love it also mine, yes, and I.

774
00:34:45,719 --> 00:34:47,359
Speaker 4: Do love to give gifts, and I think you can

775
00:34:47,400 --> 00:34:49,840
Speaker 4: give thoughtful gifts that don't cost a lot of money,

776
00:34:50,040 --> 00:34:52,080
Speaker 4: and I like, I like doing that. But I think

777
00:34:52,120 --> 00:34:54,040
Speaker 4: in that situation, it was just the fact that it

778
00:34:54,120 --> 00:34:57,400
Speaker 4: was expected of everybody and the fact that it was

779
00:34:57,520 --> 00:35:01,240
Speaker 4: organized like this person like through it sounds like someone

780
00:35:01,320 --> 00:35:01,799
Speaker 4: hire out.

781
00:35:01,840 --> 00:35:04,560
Speaker 5: They're probably also going to get a last minute card

782
00:35:05,000 --> 00:35:08,799
Speaker 5: it costs like fourteen ninety five totally at the news

783
00:35:08,880 --> 00:35:10,759
Speaker 5: agency and then make all of you just sign it.

784
00:35:10,960 --> 00:35:14,520
Speaker 4: Yeah, pil I was just like, why isn't this company

785
00:35:14,640 --> 00:35:18,240
Speaker 4: that I'm making millions of dollars for buying this person

786
00:35:18,280 --> 00:35:20,560
Speaker 4: the gift and saying happy birthday from all of us.

787
00:35:20,800 --> 00:35:23,200
Speaker 2: But even if that happens, like you're saying, it's a

788
00:35:23,239 --> 00:35:26,080
Speaker 2: big company, right, yeah, we don't have a big company.

789
00:35:26,120 --> 00:35:28,080
Speaker 2: Our sheet's on the money. But let's pretend it's one

790
00:35:28,120 --> 00:35:30,240
Speaker 2: a month. That's only twelve people in the business.

791
00:35:30,680 --> 00:35:33,719
Speaker 5: That's six hundred dollars a year that you're expected to

792
00:35:33,840 --> 00:35:38,080
Speaker 5: pray to your budget for birthday presents for your co workers.

793
00:35:38,480 --> 00:35:41,759
Speaker 2: No, and some people don't even have that amount. Like

794
00:35:42,000 --> 00:35:44,640
Speaker 2: we know if we look at the maths in an emergency,

795
00:35:44,760 --> 00:35:47,799
Speaker 2: we know that most Australians don't have access to five

796
00:35:47,920 --> 00:35:51,160
Speaker 2: hundred dollars. Yet you're asking me to spend more than

797
00:35:51,200 --> 00:35:57,600
Speaker 2: that on coworkers' presence, not friends, not family members, not

798
00:35:57,680 --> 00:36:01,440
Speaker 2: your dog, somebody that you wouldn't even invite over to

799
00:36:01,480 --> 00:36:03,239
Speaker 2: meet your dog. Yeah, yeah, no.

800
00:36:03,800 --> 00:36:05,360
Speaker 4: And it's just like, if I think about it in

801
00:36:05,440 --> 00:36:08,000
Speaker 4: the context of our team, even as we all do

802
00:36:08,160 --> 00:36:11,080
Speaker 4: like to get each other gifts or whatever, not one

803
00:36:11,120 --> 00:36:14,000
Speaker 4: person would be offended if someone didn't give you a gift.

804
00:36:14,120 --> 00:36:16,560
Speaker 2: I don't think anyone in our team would ask to

805
00:36:16,600 --> 00:36:20,239
Speaker 2: do group gifts either. I do often do quote a

806
00:36:20,239 --> 00:36:25,240
Speaker 2: group gift where I purchase something from the team for

807
00:36:25,600 --> 00:36:28,880
Speaker 2: that person for their birthday or whatnot, but that comes

808
00:36:28,880 --> 00:36:33,120
Speaker 2: from the team, from my work budget, and everybody's name

809
00:36:33,160 --> 00:36:35,520
Speaker 2: goes on it, and maybe there was a conversation about it.

810
00:36:35,600 --> 00:36:35,800
Speaker 4: I E.

811
00:36:36,320 --> 00:36:39,120
Speaker 2: Beck, it's birthday month for you, so we bought you

812
00:36:39,160 --> 00:36:42,439
Speaker 2: flowers from everyone, but that was paid for by She's

813
00:36:42,480 --> 00:36:44,200
Speaker 2: on the money, because I don't want the rest of

814
00:36:44,280 --> 00:36:47,080
Speaker 2: the team paying for that. But like I'd been like, Hey,

815
00:36:47,120 --> 00:36:49,120
Speaker 2: what do you think Beck would want? And we have

816
00:36:49,280 --> 00:36:51,880
Speaker 2: this nice conversation about it, and as a team we

817
00:36:52,040 --> 00:36:54,840
Speaker 2: organize it, but as a team we don't pay for

818
00:36:54,920 --> 00:36:56,600
Speaker 2: it because I just like I.

819
00:36:56,600 --> 00:36:59,040
Speaker 4: Do's a coworker that's new or that you don't talk to.

820
00:36:59,200 --> 00:37:01,799
Speaker 2: Or so you don't I don't know. I've spoken about

821
00:37:01,800 --> 00:37:04,239
Speaker 2: this before, but when I was up to my eyeballs

822
00:37:04,239 --> 00:37:07,719
Speaker 2: in debt, I lied about it because I was embarrassed

823
00:37:07,719 --> 00:37:10,560
Speaker 2: of the situation I was in and I didn't want

824
00:37:10,600 --> 00:37:14,640
Speaker 2: my coworkers, who I thought were fancy pants is knowing

825
00:37:15,000 --> 00:37:17,640
Speaker 2: that I was in debt, because I felt like that

826
00:37:17,800 --> 00:37:20,040
Speaker 2: was a reflection And it is absolutely not, but I

827
00:37:20,040 --> 00:37:22,400
Speaker 2: thought that was a reflection of my self worth. I

828
00:37:22,400 --> 00:37:23,920
Speaker 2: did not want to put that on the table and

829
00:37:23,920 --> 00:37:26,480
Speaker 2: be like, hey, so actually I have eight hundred and

830
00:37:26,520 --> 00:37:28,319
Speaker 2: eighty three dollars a month that I pay to my

831
00:37:28,400 --> 00:37:30,719
Speaker 2: personal debt, and like, to be honest, fifty bucks is

832
00:37:30,760 --> 00:37:32,880
Speaker 2: a bit march. I think I would have just scraped

833
00:37:32,920 --> 00:37:35,640
Speaker 2: to find the money and been like, yeah, here, haha,

834
00:37:35,719 --> 00:37:38,360
Speaker 2: happy birthday, and then stressed about it next time I

835
00:37:38,400 --> 00:37:40,480
Speaker 2: saw that person coming down the hallway because oh my god,

836
00:37:40,520 --> 00:37:43,640
Speaker 2: God forbid she asks me for another present, Like, and

837
00:37:43,680 --> 00:37:46,080
Speaker 2: I'm not saying that lying is correct, but we're just

838
00:37:46,160 --> 00:37:48,719
Speaker 2: being honest. I didn't want to share that about me

839
00:37:48,800 --> 00:37:50,960
Speaker 2: at that point in time. Now it's very much a

840
00:37:50,960 --> 00:37:52,600
Speaker 2: part of who I am, but it is a very

841
00:37:52,600 --> 00:37:55,520
Speaker 2: good example of why you never know what someone's going through,

842
00:37:55,719 --> 00:37:58,600
Speaker 2: and I feel like that's, especially in this economy, an

843
00:37:58,680 --> 00:37:59,920
Speaker 2: unrealistic expectation.

844
00:38:00,400 --> 00:38:03,359
Speaker 5: I wonder if any other staff members said anything about

845
00:38:03,360 --> 00:38:04,680
Speaker 5: it that was like going to go along with any

846
00:38:04,719 --> 00:38:06,880
Speaker 5: Oh my god, I would really like to know sometimes

847
00:38:06,920 --> 00:38:09,560
Speaker 5: I want to like reply to these damsers, girl, what

848
00:38:09,600 --> 00:38:10,520
Speaker 5: company do you work for?

849
00:38:10,800 --> 00:38:14,359
Speaker 2: What's going on? So we asked, obviously for your two cents.

850
00:38:14,440 --> 00:38:17,520
Speaker 2: First question we asked was what is a reasonable amount

851
00:38:17,520 --> 00:38:21,600
Speaker 2: to be asked to chip in for coworker presents? Ninety

852
00:38:21,680 --> 00:38:25,319
Speaker 2: six percent of you said up to twenty bucks, three

853
00:38:25,360 --> 00:38:29,000
Speaker 2: percent of you said thirty to forty dollars, and zero

854
00:38:29,120 --> 00:38:32,680
Speaker 2: percent of you said fifty dollars or more completely agree

855
00:38:32,800 --> 00:38:36,600
Speaker 2: that is so validating, like we ain't wrong here. I

856
00:38:36,760 --> 00:38:39,960
Speaker 2: like this. Usually there's in the group like often I'll

857
00:38:40,040 --> 00:38:42,040
Speaker 2: hangback because I go, oh, Jess, might I have a

858
00:38:42,080 --> 00:38:44,600
Speaker 2: different opinion to Beck? And then I'm interested to know

859
00:38:44,640 --> 00:38:48,080
Speaker 2: what my opinion is. In contrast, no, we're all like

860
00:38:48,200 --> 00:38:52,120
Speaker 2: hell no, no, why all right? Next question we asked

861
00:38:52,200 --> 00:38:55,400
Speaker 2: was would you speak up if you thought the amount

862
00:38:55,440 --> 00:38:59,200
Speaker 2: was unreasonable? Fifty nine percent of you said yeah, that's

863
00:38:59,239 --> 00:39:02,040
Speaker 2: really important, nine percent of you said no, I just

864
00:39:02,080 --> 00:39:05,160
Speaker 2: go along with it, and then thirty two percent said

865
00:39:05,200 --> 00:39:07,640
Speaker 2: only if others agreed. And I think that this goes

866
00:39:07,680 --> 00:39:10,319
Speaker 2: back to what I was talking about before, Like you

867
00:39:10,320 --> 00:39:13,480
Speaker 2: guys said yeah, I would speak up about it, but

868
00:39:13,520 --> 00:39:16,040
Speaker 2: that's only sixty percent of you. Thirty two percent are

869
00:39:16,080 --> 00:39:18,279
Speaker 2: only going to do it if someone else agrees with you.

870
00:39:18,640 --> 00:39:20,960
Speaker 2: And then basically ten percent of you were like, no,

871
00:39:21,280 --> 00:39:24,719
Speaker 2: like I just smile and nod and agree to it. Yes,

872
00:39:25,040 --> 00:39:27,400
Speaker 2: And if there's somebody every month, going back to our

873
00:39:27,440 --> 00:39:29,480
Speaker 2: example of if you're spending fifty bucks a month, that's

874
00:39:29,480 --> 00:39:33,360
Speaker 2: six hundred dollars a year, but once a year or

875
00:39:33,400 --> 00:39:36,640
Speaker 2: one person in that group is asked every single month

876
00:39:36,719 --> 00:39:38,600
Speaker 2: for fifty bucks and they don't want to, but they're

877
00:39:38,640 --> 00:39:39,840
Speaker 2: just going along with it.

878
00:39:39,840 --> 00:39:42,359
Speaker 5: GI's me the it, and there's probably so many other

879
00:39:42,360 --> 00:39:44,239
Speaker 5: people thinking the exactly thing, but no one's saying it.

880
00:39:44,280 --> 00:39:44,600
Speaker 6: First.

881
00:39:45,640 --> 00:39:47,279
Speaker 4: Someone's got to be brave and be like this is

882
00:39:47,360 --> 00:39:50,680
Speaker 4: too much, and then everyone else will rally.

883
00:39:51,040 --> 00:39:53,560
Speaker 2: And I think it's interesting as well, because if you

884
00:39:53,640 --> 00:39:56,600
Speaker 2: have a good team culture. And I'm not saying that

885
00:39:56,920 --> 00:40:00,799
Speaker 2: companies with good team culture will be best is but

886
00:40:00,880 --> 00:40:03,200
Speaker 2: I see it in my team, like we organize our

887
00:40:03,239 --> 00:40:06,000
Speaker 2: team gift. But I know Jess goes and sends the

888
00:40:06,040 --> 00:40:08,560
Speaker 2: rest of the team members like flowers and stuff because

889
00:40:08,560 --> 00:40:10,840
Speaker 2: I see posted on Instagram. Brook will be like happy

890
00:40:10,840 --> 00:40:13,520
Speaker 2: birthday to me, Jess sent me these gorgeous flowers. That's

891
00:40:13,560 --> 00:40:18,040
Speaker 2: got nothing to do with work Like that is not

892
00:40:18,360 --> 00:40:20,520
Speaker 2: Jess asking other people to pitch in. I know she's

893
00:40:20,520 --> 00:40:23,879
Speaker 2: probably spending fifty bus because my girl like, flowers are expensive,

894
00:40:24,239 --> 00:40:26,279
Speaker 2: but that was a choice that she got to make,

895
00:40:26,360 --> 00:40:28,120
Speaker 2: not one that she felt forced to make. And I

896
00:40:28,160 --> 00:40:30,799
Speaker 2: think that's an important Like we're not saying don't buy

897
00:40:30,840 --> 00:40:33,719
Speaker 2: a coworker's flowers, don't buy a coworker's presence, if that's

898
00:40:33,760 --> 00:40:37,600
Speaker 2: what aligns with your values. We're saying, don't bully other

899
00:40:37,600 --> 00:40:38,600
Speaker 2: people into joining you.

900
00:40:38,880 --> 00:40:39,520
Speaker 6: Yeah.

901
00:40:39,560 --> 00:40:42,279
Speaker 2: Completely, So we did say, all right, give us your

902
00:40:42,320 --> 00:40:44,879
Speaker 2: two cents. What do you think about this? One person said,

903
00:40:45,200 --> 00:40:48,200
Speaker 2: I like this. We actually have a clause in our

904
00:40:48,360 --> 00:40:51,200
Speaker 2: union social club that if someone's a member, they actually

905
00:40:51,200 --> 00:40:52,560
Speaker 2: get a fixed price present.

906
00:40:54,040 --> 00:40:57,040
Speaker 5: So if you won't from like the team, I'm assuming

907
00:40:57,560 --> 00:40:59,400
Speaker 5: in social club they get a present.

908
00:41:00,440 --> 00:41:02,680
Speaker 2: Some of the budget of social club goes towards that.

909
00:41:02,920 --> 00:41:05,200
Speaker 4: Oh I like that. I don't like that.

910
00:41:05,280 --> 00:41:07,399
Speaker 2: I don't I don't want to sign up to get

911
00:41:07,440 --> 00:41:13,440
Speaker 2: a present. Oh so it's only in the social club, Okay,

912
00:41:13,680 --> 00:41:15,560
Speaker 2: you if you remember. I don't know how I feel

913
00:41:15,600 --> 00:41:15,960
Speaker 2: about that.

914
00:41:16,760 --> 00:41:19,200
Speaker 4: I thought it was like, oh, we have like social

915
00:41:19,239 --> 00:41:22,359
Speaker 4: club gets a thousand dollars a year to spend on

916
00:41:22,440 --> 00:41:23,920
Speaker 4: social things, and some of that budget.

917
00:41:24,000 --> 00:41:26,000
Speaker 5: Yeah, I want my budget to go to the social

918
00:41:26,040 --> 00:41:27,840
Speaker 5: club things, not to a present.

919
00:41:28,600 --> 00:41:32,480
Speaker 4: Oh, get to a shit gift? You know what I mean?

920
00:41:33,040 --> 00:41:35,800
Speaker 4: If I didn't know a coworker, well, like in big corporate.

921
00:41:35,800 --> 00:41:37,360
Speaker 4: If I think about going back to that where I

922
00:41:37,360 --> 00:41:40,160
Speaker 4: was putting money for people, obviously someone's making the decision

923
00:41:40,160 --> 00:41:41,759
Speaker 4: of watch to buy them. If you ask me what

924
00:41:41,800 --> 00:41:44,880
Speaker 4: any single one of those people would have liked, couldn'taya like?

925
00:41:45,000 --> 00:41:46,520
Speaker 2: Do you know what is a good present?

926
00:41:46,600 --> 00:41:49,320
Speaker 5: Like if there are any social clubs listening and they're like, wow,

927
00:41:49,680 --> 00:41:52,880
Speaker 5: we need a budget friendly gift, go buy shees on

928
00:41:52,920 --> 00:41:55,280
Speaker 5: the money from kmart fifteen bucks?

929
00:41:55,360 --> 00:41:56,240
Speaker 2: What a present?

930
00:41:56,719 --> 00:41:57,040
Speaker 4: True?

931
00:41:57,280 --> 00:41:57,920
Speaker 2: Good present?

932
00:41:57,960 --> 00:41:58,279
Speaker 4: All right?

933
00:41:58,320 --> 00:42:01,680
Speaker 2: So back to this I'm giving. You can read it,

934
00:42:01,800 --> 00:42:03,600
Speaker 2: give it to your friend, you could put it on

935
00:42:03,640 --> 00:42:08,880
Speaker 2: your bedstand. Very aesthetic fish exactly all right. So someone

936
00:42:08,880 --> 00:42:12,120
Speaker 2: else said, I really agree. Often they're asking for more

937
00:42:12,160 --> 00:42:14,920
Speaker 2: than what we budget for family and friends gifts.

938
00:42:15,239 --> 00:42:16,600
Speaker 4: That's crazy.

939
00:42:17,080 --> 00:42:20,480
Speaker 5: Someone else said, whatever happened to the corporate cake and candles?

940
00:42:20,760 --> 00:42:21,160
Speaker 4: Totally?

941
00:42:22,520 --> 00:42:23,640
Speaker 5: I love a cake and candle?

942
00:42:23,719 --> 00:42:26,560
Speaker 2: No, but like, isn't work meant to organize that? And

943
00:42:26,600 --> 00:42:29,960
Speaker 2: we like go into the work staff room and we

944
00:42:30,080 --> 00:42:33,160
Speaker 2: waste some time having some cake, singing a song. We

945
00:42:33,239 --> 00:42:36,120
Speaker 2: go back to our death wham bam, thank you, ma'am.

946
00:42:36,440 --> 00:42:39,080
Speaker 2: That is what a birthday at work should look like.

947
00:42:39,200 --> 00:42:39,439
Speaker 6: True.

948
00:42:39,480 --> 00:42:41,200
Speaker 5: I'm like, no, I'm listening to these and I'm like,

949
00:42:41,360 --> 00:42:43,920
Speaker 5: it is anyone in control in any of these places.

950
00:42:43,920 --> 00:42:46,000
Speaker 5: Like if I was a boss of a place, no

951
00:42:46,040 --> 00:42:48,480
Speaker 5: one would ever have to think about gifts. Because this

952
00:42:48,520 --> 00:42:51,239
Speaker 5: is my favorite part about being the boss. Yeah, I

953
00:42:51,280 --> 00:42:54,960
Speaker 5: get to make the Yeah, I mean within with reason,

954
00:42:55,160 --> 00:43:00,200
Speaker 5: within reason, and like regulation, you know, legislation, but I

955
00:43:00,200 --> 00:43:02,920
Speaker 5: think you do get to sometimes make the rules. You

956
00:43:02,960 --> 00:43:05,680
Speaker 5: do have to pay payroll though, so like i'd prefer

957
00:43:05,760 --> 00:43:09,480
Speaker 5: to buy you a fifty dollars gift, sometimes someone else said,

958
00:43:09,640 --> 00:43:12,040
Speaker 5: just speak up and state your donation to the gift.

959
00:43:12,320 --> 00:43:14,920
Speaker 5: You don't need to justify reasons as to the amount

960
00:43:14,920 --> 00:43:17,640
Speaker 5: at all. It's true, yes, very true.

961
00:43:17,920 --> 00:43:20,399
Speaker 2: But I also feel like social pressure plays into this.

962
00:43:20,440 --> 00:43:21,439
Speaker 4: Easy said than done.

963
00:43:21,560 --> 00:43:24,040
Speaker 2: Yeah, so that's a really good idea. That's a very

964
00:43:24,640 --> 00:43:27,000
Speaker 2: smart thing. Jess. What if you felt comfortable in your

965
00:43:27,040 --> 00:43:28,840
Speaker 2: corporate stitch to do that, baby.

966
00:43:28,719 --> 00:43:30,520
Speaker 4: Jess, definitely not just now.

967
00:43:30,640 --> 00:43:31,600
Speaker 5: I'd be a social prole.

968
00:43:31,640 --> 00:43:33,480
Speaker 4: I'd be telling them where to take that gift. But

969
00:43:33,719 --> 00:43:35,920
Speaker 4: like back then, no way.

970
00:43:36,120 --> 00:43:38,560
Speaker 2: Do you think if that's the case, right, So just

971
00:43:39,080 --> 00:43:42,319
Speaker 2: zooming a bit out, wasting some more pod time. If

972
00:43:42,360 --> 00:43:45,920
Speaker 2: we know that there are twelve members in the team,

973
00:43:46,719 --> 00:43:49,560
Speaker 2: and everyone chips in fifty dollars a month, it's just

974
00:43:49,600 --> 00:43:53,080
Speaker 2: the thing that that company does, six hundred bucks. Can

975
00:43:53,120 --> 00:43:55,759
Speaker 2: I ask for an air rap? It's true? Can I

976
00:43:55,840 --> 00:43:59,080
Speaker 2: ask for something that I really want as my gift

977
00:43:59,239 --> 00:44:01,399
Speaker 2: so that I get what I want give? And I've

978
00:44:01,400 --> 00:44:03,800
Speaker 2: been spending fifty bucks a month on other people.

979
00:44:04,120 --> 00:44:06,879
Speaker 5: I did not even think about that. So that means that, Yeah,

980
00:44:06,880 --> 00:44:09,120
Speaker 5: if every month, twelve of you are putting in fifty

981
00:44:09,160 --> 00:44:12,920
Speaker 5: dollars for a gift, that means that you, as an employee, imagine,

982
00:44:13,040 --> 00:44:16,280
Speaker 5: since anyone's going to become your month, six hundred dollars

983
00:44:16,320 --> 00:44:21,920
Speaker 5: gift is absolutely excessive. I don't think that's necessary.

984
00:44:22,160 --> 00:44:23,320
Speaker 2: I don't think that's necessary.

985
00:44:23,360 --> 00:44:26,440
Speaker 5: But also this is how pyramid schemes were, right, true,

986
00:44:26,480 --> 00:44:29,040
Speaker 5: So give to Jen and Jen, or give to Jess

987
00:44:29,040 --> 00:44:30,160
Speaker 5: and Jess, We'll give to Beck.

988
00:44:30,800 --> 00:44:34,480
Speaker 2: Just goes around. Yes, we're starting a pyramid scheme, but

989
00:44:34,600 --> 00:44:35,400
Speaker 2: it's birthdays.

990
00:44:35,760 --> 00:44:35,960
Speaker 1: Yeah.

991
00:44:36,480 --> 00:44:38,440
Speaker 4: The thought that I had before, if everyone's putting in

992
00:44:38,440 --> 00:44:41,080
Speaker 4: the same amount for everyone every month, every year, why

993
00:44:41,120 --> 00:44:43,480
Speaker 4: not just have no one do it, and financially you're

994
00:44:43,480 --> 00:44:45,280
Speaker 4: in the no. But you're in the exact same spot.

995
00:44:45,360 --> 00:44:47,840
Speaker 4: Like I've spent six hundred dollars and eventually on my

996
00:44:47,920 --> 00:44:50,279
Speaker 4: birthday I will receive a six hundred dollars gift back

997
00:44:50,920 --> 00:44:53,640
Speaker 4: or none of us could spend any money. And if

998
00:44:53,640 --> 00:44:55,560
Speaker 4: I want something that costs six hundred dollars, I could

999
00:44:55,560 --> 00:44:59,560
Speaker 4: just buy it myself. Yes, and same with no.

1000
00:44:59,680 --> 00:45:03,560
Speaker 2: I think it's worse off jest because you're saying, no

1001
00:45:03,640 --> 00:45:06,160
Speaker 2: one said that I got to pick what my gift is. Yeah,

1002
00:45:06,560 --> 00:45:08,920
Speaker 2: maybe I want said I'm getting something I want.

1003
00:45:08,719 --> 00:45:13,160
Speaker 4: Here an ugly ass six hundred dollars leather laptop cover. Yeah,

1004
00:45:13,680 --> 00:45:14,799
Speaker 4: I mean my.

1005
00:45:14,719 --> 00:45:18,680
Speaker 2: Work, Yes, absolutely not, absolutely not. I like this one.

1006
00:45:18,719 --> 00:45:21,759
Speaker 2: Someone wrote in and said in the UK, the birthday

1007
00:45:21,760 --> 00:45:24,240
Speaker 2: person has to bring the treats, and I think that's

1008
00:45:24,320 --> 00:45:25,840
Speaker 2: more fair. Yeah.

1009
00:45:25,920 --> 00:45:28,480
Speaker 5: I like that I do that on my birthday. It's

1010
00:45:28,520 --> 00:45:29,640
Speaker 5: probably a nice thing to do.

1011
00:45:29,760 --> 00:45:32,160
Speaker 2: That's a good deal. I think if it's your birthday

1012
00:45:32,200 --> 00:45:34,080
Speaker 2: and you want to celebrate it, that's on you. You

1013
00:45:34,280 --> 00:45:37,359
Speaker 2: celebrate lolleybags in primary school. Yeah yeah, yeah, yeah yeah.

1014
00:45:37,360 --> 00:45:39,520
Speaker 5: If someone else said, and I feel like this is relatable,

1015
00:45:39,560 --> 00:45:42,520
Speaker 5: it's really hard when everyone else is and you're.

1016
00:45:42,440 --> 00:45:46,040
Speaker 2: Left feeling like the tight one. Yeah. Someone else said,

1017
00:45:46,280 --> 00:45:48,680
Speaker 2: my workplace has a gift fund as an opt in

1018
00:45:48,880 --> 00:45:53,120
Speaker 2: for the team twenty dollars contribution for the entire financial year.

1019
00:45:53,600 --> 00:45:55,319
Speaker 5: It's pressure, though, because if you're like I don't want

1020
00:45:55,320 --> 00:45:58,040
Speaker 5: to opt in, then people people just not get you

1021
00:45:58,040 --> 00:45:59,920
Speaker 5: a present. You know, it's pressure. I don't like this

1022
00:46:00,080 --> 00:46:00,920
Speaker 5: pressure of the whole thing.

1023
00:46:01,000 --> 00:46:03,040
Speaker 2: On the flip side, I feel like this is us coded.

1024
00:46:03,080 --> 00:46:05,760
Speaker 2: Someone said I'd be mortified if I knew people paying

1025
00:46:05,800 --> 00:46:08,240
Speaker 2: fifty bucks for something I may not even want.

1026
00:46:08,440 --> 00:46:09,240
Speaker 4: Yeah. Completely.

1027
00:46:10,040 --> 00:46:12,960
Speaker 5: Someone said I believe that gifts for staff for things

1028
00:46:12,960 --> 00:46:15,200
Speaker 5: that the company itself should be covering.

1029
00:46:15,400 --> 00:46:18,680
Speaker 2: Amen. And someone said salaries vary so much. In our

1030
00:46:18,719 --> 00:46:21,560
Speaker 2: team only ever asked to chip in what we feel.

1031
00:46:22,040 --> 00:46:23,880
Speaker 2: I still don't think you should be asked to chip in,

1032
00:46:23,920 --> 00:46:24,640
Speaker 2: But that's.

1033
00:46:25,160 --> 00:46:27,000
Speaker 4: I think if you're slaving away for a company earning

1034
00:46:27,000 --> 00:46:28,560
Speaker 4: the money, the least they can do is if they

1035
00:46:28,560 --> 00:46:30,200
Speaker 4: want to buy a birthday gift, they pay for it.

1036
00:46:30,440 --> 00:46:32,720
Speaker 2: But also, baby Jess, you just said I was earning

1037
00:46:32,760 --> 00:46:34,400
Speaker 2: what I would say is a low amount, and I

1038
00:46:34,400 --> 00:46:38,000
Speaker 2: mean as an entry level role, probably you were expected

1039
00:46:38,000 --> 00:46:41,680
Speaker 2: to chip in the same amount as your boss, and

1040
00:46:41,719 --> 00:46:42,040
Speaker 2: we did.

1041
00:46:42,080 --> 00:46:45,920
Speaker 4: True, it was like a lot of money to me.

1042
00:46:46,000 --> 00:46:48,759
Speaker 2: We dig into this, the more frustrated I'm getty. Yeah,

1043
00:46:48,920 --> 00:46:51,120
Speaker 2: I don't like it. I think we should end the conversation.

1044
00:46:51,200 --> 00:46:54,480
Speaker 2: And I think we're done. We've done any Let's go meditate.

1045
00:46:54,560 --> 00:46:57,799
Speaker 2: Let's go still some more donuts from reception because our

1046
00:46:57,840 --> 00:46:59,560
Speaker 2: workplace gives us free snacks.

1047
00:47:00,120 --> 00:47:01,680
Speaker 4: Look at that, and we didn't even have to put

1048
00:47:01,680 --> 00:47:02,080
Speaker 4: in for it.

1049
00:47:02,239 --> 00:47:05,920
Speaker 2: I won't be thanks though. Anyway. All right, have a

1050
00:47:05,920 --> 00:47:08,640
Speaker 2: good week guys. I'll see you right nearly tomorrow. I've

1051
00:47:08,640 --> 00:47:11,680
Speaker 2: got another Saturday special coming for you, and then another

1052
00:47:11,719 --> 00:47:14,120
Speaker 2: bright and early one on Monday for a money Darius.

1053
00:47:14,120 --> 00:47:17,239
Speaker 2: So guys, have the best weekend and don't put in

1054
00:47:17,280 --> 00:47:18,120
Speaker 2: for group gifts.

1055
00:47:18,160 --> 00:47:25,560
Speaker 5: Bye bye, Hi guys.

1056
00:47:26,440 --> 00:47:29,000
Speaker 2: The advice shared on She's on the Money is general

1057
00:47:29,040 --> 00:47:32,920
Speaker 2: in nature and does not consider your individual circumstances. She's

1058
00:47:32,960 --> 00:47:36,400
Speaker 2: on the Money exists purely for educational purposes and should

1059
00:47:36,440 --> 00:47:39,600
Speaker 2: not be relied upon to make an investment or financial decision.

1060
00:47:40,000 --> 00:47:42,439
Speaker 2: If you do choose to buy a financial product, read

1061
00:47:42,480 --> 00:47:46,560
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

1062
00:47:46,640 --> 00:47:49,920
Speaker 2: your needs. Victoria divine and she's on the money. Are

1063
00:47:50,000 --> 00:47:55,000
Speaker 2: authorized representatives of money, sirper pty Ltd ABN three two

1064
00:47:55,040 --> 00:47:58,040
Speaker 2: one is six four nine two seven seven zero eight

1065
00:47:58,320 --> 00:48:11,319
Speaker 2: AFSL four five one two eight nine