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Speaker 1: 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. Welcome back to another

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Speaker 2: one of our Friday Drinks.

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Speaker 3: Episodes and as you guys.

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Speaker 2: Know, still from Lockdown, where we get to celebrate the

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Speaker 2: wins from our She's on the Money community. This week

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Speaker 2: in particular, we have had some really good conversations in

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Speaker 2: our team Slack group about what you guys have been

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Speaker 2: up to and I can't wait to dive into it.

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Speaker 2: But before we get there, Tony, what happened on our

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Speaker 2: Monday morning money Diary?

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Speaker 4: Our money direst this week talked about how she had

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Speaker 4: this perfect life at Perfect Life in New Zealand, the boat,

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Speaker 4: the house by the water, super happy, and then went

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Speaker 4: through a divorce and kind of packed up, paid off

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Speaker 4: of a debt and.

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Speaker 3: Moved overseas and to Thailand.

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Speaker 1: Yeah, moved to Thailand.

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Speaker 4: She's teaching over there and she's loving it. And while

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Speaker 4: she did say that it hasn't been the perfect you know,

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Speaker 4: holiday life with COVID going on and everything, but she's

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Speaker 4: loving it and she's making great money and she's like

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Speaker 4: still contributing to her Kiwi Saver, which is very cool.

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Speaker 2: Very important as well, guys, uh.

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Speaker 4: Huh yeah, And it was a really good listen, just

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Speaker 4: real eye opening one to kind of you don't really

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Speaker 4: understand what's going on behind closed doors. And while someone's

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Speaker 4: life might seem so perfect and so easy, it's you know,

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Speaker 4: it can be really hard. So there's a great listen

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Speaker 4: if you've if you've got a spare halfer, you've got a.

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Speaker 3: Spare halfer, you probably should check it out.

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Speaker 2: I also really liked that episode, Tony, because I feel

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Speaker 2: like we don't often get to see the flip side

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Speaker 2: of a relationship. It's always, you know, on She's on

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Speaker 2: the money. We've had a number of I guess cheating

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Speaker 2: stories where our Money Diarist has been cheated on in

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Speaker 2: one way or another, or someone's been unfaithful, and this

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Speaker 2: story was the flip, like our Money Diarist was the

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Speaker 2: person who cheated on their partner, and I found it

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Speaker 2: really eye opening seeing from their point of view of

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Speaker 2: what was going on and how that worked. And it

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Speaker 2: doesn't normalize it, it doesn't make it okay, but I

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Speaker 2: just found it really interesting, maybe because I'm always into

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Speaker 2: the pervy stuff, Tony, but just to see from the

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Speaker 2: other side, like how did you get there?

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Speaker 3: What does that mean?

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Speaker 2: Because I think we all say things like I'd never

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Speaker 2: x y Z, But up until the point in the

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Speaker 2: Money Diary where she said it was actually me. I

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Speaker 2: think Tony, you and I were on zoom and we're like, oh,

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Speaker 2: he's gonna have cheated on her, Like I could.

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Speaker 3: See it coming.

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Speaker 2: But then she was like, then I cheated on him,

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Speaker 2: and I was like, oh, oh, that's not what I expected.

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Speaker 2: And it was just so authentic of her to share

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Speaker 2: that and being open and honest about that. I think

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Speaker 2: was just really special from our community that she trusted

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Speaker 2: us with that story, because it's not often that you

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Speaker 2: turn around and be like, oh, hey, jes, I did

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Speaker 2: XYZ to my partner, because you would often expect a

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Speaker 2: lot of judgment in return. But for her to trust

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Speaker 2: us with that story was really special. And I've got

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Speaker 2: now nothing but respect for her and her journey and

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Speaker 2: what she's doing to like just be who she wants

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Speaker 2: to be moving forward. So I think, yeah, it was

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Speaker 2: just really special to share that story, and I guess

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Speaker 2: learn from it, and that's what we're all about as

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Speaker 2: a community, is like learning from each other's mistakes and

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Speaker 2: learning from each other's journeys, and I think that's, yeah,

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Speaker 2: from my perspective, really special. So moving away from that,

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Speaker 2: miss Jessica Rici, what did we do on this Wednesday's episode?

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Speaker 5: Well, perhaps in an appropriate follow up from that, we

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Speaker 5: spoke about binding financial agreements.

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Speaker 3: D how topical.

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Speaker 6: I know you may have heard me coming.

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Speaker 5: Over for about thirty seconds at the start, but it

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Speaker 5: was the best thirty seconds.

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Speaker 6: Honestly, guys, just come for that.

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Speaker 5: But no, we actually brought an expur in because we

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Speaker 5: thought talking about binding financial agreements, obviously there's a lot

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Speaker 5: of technicalities. We're talking about actual legally binding documents, and

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Speaker 5: it was really important to us to get this right.

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Speaker 5: So we brought our really good friend Lucy in.

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Speaker 7: And she not my dog. I was just about to say.

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Speaker 3: My dog Lucy. For those of you playing along at home.

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Speaker 2: Lucy Percy is not a sheeper doodle. She's actually a

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Speaker 2: family and a state planning lawyer, which is obviously a

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Speaker 2: bit smarter than my dog that can now play dead.

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Speaker 3: So yeah, with Lucy if.

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Speaker 6: It was a really interesting chat around.

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Speaker 5: I guess the concept of a prenup is something we

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Speaker 5: see a lot in American culture and TV and rvies.

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Speaker 5: It's not well lean up, but it's actually not really

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Speaker 5: a thing here. And that's why a binding financial agreement

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Speaker 5: is kind of our equivalent.

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Speaker 6: It definitely is a little bit different.

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Speaker 5: And so Lucy gave us some really great insights into

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Speaker 5: what it means when you might want one, what the

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Speaker 5: proce is, and all of those really interesting nitty gritty things.

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Speaker 2: This is true, and Lucy is a good friend of

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Speaker 2: the show. I know that our team have used her personally.

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Speaker 2: I send a lot of clients to her. I've sent

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Speaker 2: family members to her. I really trust her. So hopefully

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Speaker 2: we can get her in on a few more episodes

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Speaker 2: to pick her brains. And you know, sounds smarter than

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Speaker 2: we actually are.

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Speaker 3: So speaking of smarter than us, Ryan.

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Speaker 7: What welcome here? I am smarter.

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Speaker 2: You're welcome.

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Speaker 6: Not where that was going at all.

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Speaker 2: That's where I respect it. I respect the opportunity he sees. Hey, Ryan,

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Speaker 2: what happened in the community this week?

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Speaker 8: Well, last week on Friday Drinks, we talked about getting things,

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Speaker 8: getting big things in small cars because VU were saying,

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Speaker 8: how you got something from Facebook marketplace?

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Speaker 2: Now that was yet oh yeah, yeah, And that was

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Speaker 2: really embarrassing in.

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Speaker 7: The kitchen and Jess, what did you get into the

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Speaker 7: small car?

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Speaker 6: And I care couch to the back of the micraft.

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Speaker 6: Thank you all right.

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Speaker 8: Shout out to Beck Madden who got a great Dane

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Speaker 8: into Hyonde gets.

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Speaker 7: That's very well done.

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Speaker 8: Rhiannon got a queen sized bed from my here into

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Speaker 8: her friend's Hyonda Gets.

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Speaker 7: Shout out to the high little.

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Speaker 2: Sister used to drive a Hyonda Gets. Unfortunately it got

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Speaker 2: written off, but she would have had it until the

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Speaker 2: day she died. It is a ripper of a little

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Speaker 2: car like zips around, so speedy, but also just like practical,

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Speaker 2: like guys the boots Spaci, so spacious.

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Speaker 8: So spacious, Beck said, I once fit one hundred handbags

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Speaker 8: that I collected as donations to Share the Dignity for

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Speaker 8: the It's in the Bag campaign. One hundred handbags into

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Speaker 8: the back of a Mazda Tu. Well, that's huge And

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Speaker 8: can I gu you are.

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Speaker 2: Either doing something for Share the Dignity or you're a thief.

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Speaker 3: There is between.

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Speaker 5: Share the Dignity are an awesome, awesome organization that I

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Speaker 5: personally really love and support. If you haven't had them,

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Speaker 5: definitely look them up. They're essentially trying to equalize access

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Speaker 5: to sanitary products for people who bleed. It's a really

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Speaker 5: important thing period. Poverty is actually really prevalent here in Australia,

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Speaker 5: which I didn't know before.

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Speaker 6: Seeing their work.

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Speaker 5: So huge for getting one hundred handbags in the car

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Speaker 5: for that alone. Go check out the.

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Speaker 8: Instagram and a random one here that was I don't

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Speaker 8: know if it's definitely just Which is the passing comment

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Speaker 8: from Beck Mackay.

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Speaker 7: She said, Literally every week I.

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Speaker 8: Think of a cool money win and I'm always like, oh,

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Speaker 8: I should totally put it on the thread for next week,

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Speaker 8: and then I always forget. And then every Friday I

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Speaker 8: hear the episode and go, damn it. I forgot this,

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Speaker 8: damn it that could have been me.

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Speaker 7: Yep.

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Speaker 8: Then I said, oh I, Beck, thanks for commenting, did

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Speaker 8: you have one to share this week? And she didn't

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Speaker 8: get it in before the time of recording, so her

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Speaker 8: bad treat.

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Speaker 2: Shout out to Beck, who clearly listens to every Friday.

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Speaker 7: Episode Mapye, who right now will be going damn it again.

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Speaker 5: But Beck, we read that thread all week long and

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Speaker 5: it's up and live all week long, and every Monday

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Speaker 5: I close the previous week's thread. So if you think

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Speaker 5: of it on a Wednesday, just because it's not Monday

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Speaker 5: doesn't mean can't post Love it in, Love it in.

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Speaker 2: And it's also really helpful, Jess, because I found myself

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Speaker 2: always looking for the thread in the Facebook group, and

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Speaker 2: the fact that you now close them means I don't

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Speaker 2: get confused over what's live and what's not and where

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Speaker 2: should I comment and where shouldn't I.

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Speaker 3: It's like you're a genius at community management.

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Speaker 6: You're so welcome.

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Speaker 7: Thank you.

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Speaker 8: So. Veronica bought a at home nail kit that was

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Speaker 8: recommended by a friend, and we talk about.

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Speaker 7: Cost per wear and cost per use.

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Speaker 8: She said, after I use it three times, i'll be ahead,

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Speaker 8: and after that I'll save so much money by not

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Speaker 8: going to the nail salon every three or four weeks.

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Speaker 7: So that is a huge thing.

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Speaker 2: Do you know how many messages I get per week

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Speaker 2: asking me what nail kit I use? Because I do

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Speaker 2: my own nails at home, which you guys would know.

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Speaker 2: In fact, i'm doing them right now. But I use

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Speaker 2: the Opalac kit from Priceline. Adore it, and it was

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Speaker 2: on special when I bought it for fifty bucks, including

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Speaker 2: like three colors, top Base and the light, which I

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Speaker 2: think is a really good deal, which for me and Jess.

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Speaker 2: You know, I don't know Tony, if you've gotten your

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Speaker 2: nails done with us in the city pre covid life,

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Speaker 2: but it's about fifty bucks to get your nails done

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Speaker 2: in the city, so my cost per wear is very

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Speaker 2: very low one. But yeah, it's like one time use

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Speaker 2: and she's good to go. But it is a bit

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Speaker 2: more tricky than people think. It is, like you do

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Speaker 2: have to kind of concentrate.

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Speaker 7: So not to be glad you're doing that now.

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Speaker 2: Yeah, yeah, yeah, I'm just really good at it, guys

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Speaker 2: us Jess, I'm really good at it all right.

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Speaker 8: Alease in New Zealand. Now, New Zealand has a way

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Speaker 8: more simple way of getting your tax done than in Australia.

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Speaker 3: It's like actually just better.

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Speaker 5: Yeah, so they just do everything better than us.

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Speaker 3: The better they do tax better.

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Speaker 2: They let you use your KILEI saver for your first

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Speaker 2: home or you don't have that option with superannuation. Honestly,

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Speaker 2: I think they just they've got better air quality, Like

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Speaker 2: what else have they got?

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Speaker 8: So Alis said, I was wondering when I should expect

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Speaker 8: my money from my tax returns. So I logged into

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Speaker 8: the ird account that they have, and she realized she

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Speaker 8: hadn't actually received her tax return since twenty eighteen. So

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Speaker 8: she contacted them and they said, yep, we just didn't

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Speaker 8: have a bank account to send it to. So she

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Speaker 8: got the past three years worth of tax returns in

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Speaker 8: one hit, in one day.

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Speaker 3: It's not a money when I don't know.

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Speaker 8: What all, right, Emmy, which this is something that no

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Speaker 8: one can relate to.

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Speaker 7: Emmy said, I was gonna sold a super yacht.

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Speaker 3: No, oh, that's just packer, okay.

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Speaker 8: Emmy said, I ordered delivery on Friday, but the restaurant

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Speaker 8: didn't have the exact thing that I wanted, So instead

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Speaker 8: of getting something else, I saved twenty one dollars by

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Speaker 8: not ordering it and just eating what I had in

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Speaker 8: my fridge.

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Speaker 7: A good job.

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Speaker 2: Something else that I didn't actually want to eat, but

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Speaker 2: it would have been defiance and not wanting to cook.

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Speaker 8: Christie said, five years ago, I bought a horse float

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Speaker 8: like you know, the trailer also, but.

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Speaker 7: Okay, for sixteen thousand dollars it cost for the trailer.

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Speaker 2: Sixteen sorry, could you just repeat that?

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Speaker 7: Sixteen thousand? She bought it for so.

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Speaker 3: Much money for five not even self driving.

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Speaker 7: Yeah, I know you'd want it to drive itself for that.

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Speaker 3: Does it come with the horse?

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Speaker 2: Is it like when you go to the toy shop

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Speaker 2: and you pick up a Barbie horse trailer and it

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Speaker 2: comes with the horses and the Barbie and all of

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Speaker 2: the accessories.

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Speaker 3: Or is it just the trailer.

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Speaker 8: I'd be asking for those things, but it is just

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Speaker 8: the trailer. Sixteen thousand dollars five years ago. She sold

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Speaker 8: it yesterday for sixteen thousand dollars.

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Speaker 2: Five years later Legend borrowed it for free.

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Speaker 3: For those years.

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Speaker 7: Yep.

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Speaker 8: Steph Grace finished second in her footy tips at work

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Speaker 8: one hundred and fifty bucks.

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Speaker 7: Thank you very much coming you could.

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Speaker 3: You give me your hot tips.

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Speaker 2: I'm terrible at footy tips, honestly forgetting about them.

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Speaker 8: Alie Stewart said, I needed some trackies because mine were

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Speaker 8: falling apart, and we're all working from home wearing trackies

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Speaker 8: all day. So I think gave and can understand that.

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Speaker 8: Ali said, found two nice pairs from Bonds and Bonds

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Speaker 8: trackies are like stock, but.

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Speaker 7: They're like get the job done. We're they're real fancy.

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Speaker 8: Recommended retail price sixty five dollars, but they were on

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Speaker 8: sale for nineteen dollars and if you sign up with

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Speaker 8: an account you get free shipping, and she got a

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Speaker 8: ten dollar birthday voucher, which means overall she saved over

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Speaker 8: one hundred bucks on a couple of pairs of nice

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Speaker 8: fancy Trackie. So well, that is a fifty percent of

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Speaker 8: per pare well, good work, Ali, and I respect getting

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Speaker 8: you track he is as someone who's literally sitting at

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Speaker 8: my kitchen table now wearing the Danger's track ones.

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Speaker 3: Are the most comfortable ones.

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Speaker 8: Frying in Well, I'm inspired by Alie nonetheless, so thank

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Speaker 8: you very much.

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Speaker 2: All Right, we are back and I have a piece

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Speaker 2: of content for you guys that I would love to

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Speaker 2: share because I think it plays really well into my

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Speaker 2: money loss of the week orbe at Mine's complay my fault,

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Speaker 2: whereas this story is actually not their fault.

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Speaker 3: It's just really bad.

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Speaker 2: But I was reading this week in the news that

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Speaker 2: there is a very bizarre reason of New South Wales

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Speaker 2: couple keep getting incorrect penalty notices. Can any of you

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Speaker 2: guys like guess why they might keep getting fines in

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Speaker 2: the mail that aren't actually meant for them.

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Speaker 6: Someone didn't update their address.

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Speaker 3: Yeah, their address, definitely, you reckon.

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Speaker 2: It's actually because the fine system in New South Wales

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Speaker 2: can't tell the difference on their toll roads between zero

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Speaker 2: and the letter O, so.

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Speaker 6: So it seems like it would be a problem.

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Speaker 2: It is, but since twenty eighteen they have been getting

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Speaker 2: fines for other people's cars in their name, which I

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Speaker 2: think is absolutely ridiculous and obviously wildly unnecessary. But apparently

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Speaker 2: they keep getting chased up on it. And apparently it's

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Speaker 2: not even a car. It's a little scooter so it's

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Speaker 2: even smaller, which I think it's very cute, but at

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Speaker 2: the same time that's so nice.

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Speaker 3: I'd start to get.

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Speaker 2: Really frustrated if I was getting fine sent to me

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Speaker 2: that I know I didn't actually incur.

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Speaker 8: It'll be one of those ones where you would call

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Speaker 8: them up and they'd be like, oh, sorry, it's just

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Speaker 8: because the and you're like, I know, why just stops.

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Speaker 7: Saying something from happening, and they're like, oh, it's just

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Speaker 7: a glitch in the system. Sorry, and you're like, well,

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Speaker 7: just do something.

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Speaker 5: But think about how many number plates you see that

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Speaker 5: have a zero in them, Like, are you telling me

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Speaker 5: that every single time one of those cars goes through,

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Speaker 5: like surely that is a problem that someone should be fixing.

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Speaker 2: Yeah, and do you know what's more frustrating about this?

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Speaker 2: Or I would find it frustrating, like obviously they're not

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Speaker 2: paying these because they're not their fines, but they have

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Speaker 2: to go through the whole toll process and we all

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Speaker 2: know if we get a fine, to go through the

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Speaker 2: dispute process is like pulling teeth and trying to get

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Speaker 2: through their call center is a nightmare. And then you

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Speaker 2: have to submit your claim online. Yes, it's like that

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Speaker 2: time that you had to ride into the parking place

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Speaker 2: to get your money back, like it's unnecessary, life admin.

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Speaker 2: But guys, a, the fines they've ranged between eleven and fourteen.

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Speaker 5: Dollars, so they're not even what but you know what

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Speaker 5: the problem is if they don't pay there, if it's

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Speaker 5: anything like Victoria, not speaking from experience, but if you

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Speaker 5: don't pay like a tollvine, that's literally like twenty bucks

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Speaker 5: if you if it keeps like coming, and if you've

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Speaker 5: maybe moved addresses and weren't getting the letters for example,

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Speaker 5: it goes to like the police and it's an automatic

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Speaker 5: five hundred dollar fine.

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Speaker 2: It's so much money, like a twenty so much money

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Speaker 2: and as attorning, you guys are going to be shook

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Speaker 2: about this as well. I mean it kind of makes

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Speaker 2: sense because we all know that the administration fees often

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Speaker 2: outweigh the actual fine. But the actual fines about three dollars,

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Speaker 2: and then the admin fee that they're being charged on.

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Speaker 3: Top of that was ten dollars.

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Speaker 2: But that just kind of seems like a lie to

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Speaker 2: me because I can't see a toll road in Victoria

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Speaker 2: that's less than fifteen dollars to travel on. So what

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Speaker 2: do you mean you got three dollars toll road New

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Speaker 2: South Wales.

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Speaker 5: Yeah, that's actually crazy, is it? Because it's a scooter

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Speaker 5: like smaller vehicles smaller that's a good paint.

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Speaker 2: I don't know.

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Speaker 3: Should I get a scooter?

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Speaker 2: Am I going to save a whole heap of money

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Speaker 2: on toll roads?

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Speaker 6: Put Lucy in the front basket and.

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Speaker 2: One of those scooters with the side cars and I'd

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Speaker 2: be like, it's money, win guys and saving money on

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Speaker 2: the tolls.

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Speaker 4: Or imagine like going to Kohle's and putting like your

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Speaker 4: Enviro bags like on the handles of a scooter and

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Speaker 4: just like yeating yourself down free.

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Speaker 5: No.

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Speaker 2: Well, as I said before, guys, this actually segues, which

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Speaker 2: is like maybe this weird kind of scooter sending ways

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Speaker 2: into my money confession of the week. And well, so recently,

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Speaker 2: you guys know, I bought a new car, which is

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Speaker 2: very exciting, and we've also been in lockdown. So I've

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Speaker 2: been home and there's been a few times I've had

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Speaker 2: to drive places, you know, in between lockdowns since I

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Speaker 2: got my car, because I've had it for a few

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Speaker 2: months now, so she's she's doing well. Just for those

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Speaker 2: of you wanting to know. And because I've registered my

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Speaker 2: car in the business, any potential fines actually being sent

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Speaker 2: to the office and because we're lockdown, I'm not going

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Speaker 2: to get them at the moment. And it turns out

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Speaker 2: I completely forgot to register my new number plate with

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Speaker 2: the toll roads here in Victoria. So not only have

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Speaker 2: I incurred tolls that I have to pay, which is

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Speaker 2: fine and fair, and I kind of saw those coming

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Speaker 2: because the male's been going to the office and I

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00:17:29,520 --> 00:17:31,800
Speaker 2: haven't been that prompt in getting it. I now have

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Speaker 2: penalties on top.

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Speaker 7: Of those more than the actual Yeah they are.

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Speaker 4: How much are we talking?

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Speaker 3: It's a couple of hundred dollars.

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Speaker 2: Yeah, yeah, I've actually got to add them together because

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Speaker 2: there's more than one.

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Speaker 3: But that's all right, we'll get there.

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Speaker 2: But yeah, that's me being really unorganized, but also bitten

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Speaker 2: in the bottom by the toll roads in Victoria, which

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Speaker 2: is again probably my own fault, because Tony, you know

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Speaker 2: where I live, I easily could drive not on the

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Speaker 2: tolls on the top.

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Speaker 7: Get I hope getting there eighty seconds earlier was worth it.

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Speaker 2: That's all I'm gaining as well, Ryan. So what have

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00:18:13,280 --> 00:18:15,400
Speaker 2: you got, Ryan to share with us? A money win

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00:18:15,520 --> 00:18:17,440
Speaker 2: or a confession? What are you putting on the table

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Speaker 2: this week?

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Speaker 8: I've got I'm going to call it a money win.

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Speaker 8: I am recording from home today and not the Kiss Studios,

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Speaker 8: the radio station where I work at, because everyone at

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00:18:28,440 --> 00:18:33,000
Speaker 8: Kiss has been given too free annual leave, not annually

399
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Speaker 8: leave like mental health and how I've seen some companies

400
00:18:37,240 --> 00:18:39,480
Speaker 8: they're like, oh, the whole company's having a day off,

401
00:18:39,560 --> 00:18:41,320
Speaker 8: or they we're having a lot week shutdown. So we

402
00:18:41,440 --> 00:18:45,000
Speaker 8: got a few days to use in September whenever we wanted,

403
00:18:45,000 --> 00:18:46,719
Speaker 8: So it wasn't like a whole company on a certain day.

404
00:18:46,760 --> 00:18:48,840
Speaker 8: They just use them whenever you want, and I thought, well,

405
00:18:48,840 --> 00:18:51,879
Speaker 8: with the long weekend coming up in Melbourne for the

406
00:18:51,880 --> 00:18:55,320
Speaker 8: Grand Final, I thought i'd stack them together, so very nut.

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00:18:55,480 --> 00:18:57,159
Speaker 8: It's not money in my pocket, but it's a bit

408
00:18:57,160 --> 00:18:59,720
Speaker 8: of a break without using up my annual leave.

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Speaker 7: That makes sense. So I think that was a win.

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00:19:02,040 --> 00:19:05,240
Speaker 8: And obviously pretty stoked with the company when that email

411
00:19:05,280 --> 00:19:06,960
Speaker 8: came out and I was just like, yep, just let

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00:19:07,000 --> 00:19:08,400
Speaker 8: you manage, you know, and take the day off.

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00:19:08,400 --> 00:19:10,800
Speaker 7: And I was like, see you later.

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Speaker 2: Yeah, that's actually really kind of them, which I super appreciate.

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00:19:14,480 --> 00:19:17,800
Speaker 3: But I love kiss Obviously we have a lot to

416
00:19:17,840 --> 00:19:19,400
Speaker 3: do with them. But I do have a question.

417
00:19:19,840 --> 00:19:23,000
Speaker 2: Isn't taking a mental health day part of your sick

418
00:19:23,119 --> 00:19:24,000
Speaker 2: leave anyway?

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00:19:24,160 --> 00:19:25,600
Speaker 7: Like shouldn't get mental health?

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Speaker 3: Is just you neat them.

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00:19:27,080 --> 00:19:28,440
Speaker 7: It's not called a mental health day.

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00:19:28,440 --> 00:19:31,639
Speaker 8: It just said everyone's busy and whatnot, and so you

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Speaker 8: just get a day off like a bonus day.

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Speaker 2: Okay, not like a mental health day, just like bonus leaf,

425
00:19:36,640 --> 00:19:37,680
Speaker 2: which is kind of nice.

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00:19:37,840 --> 00:19:41,200
Speaker 8: Yeah, you know, it can be working from home and

427
00:19:41,520 --> 00:19:44,639
Speaker 8: you know, zoom burnout and people are sitting Oh that's real.

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00:19:44,760 --> 00:19:47,240
Speaker 2: I don't think people talk enough about that, but Zoom

429
00:19:47,280 --> 00:19:50,080
Speaker 2: burnout and just burn out during this period of time

430
00:19:50,280 --> 00:19:53,640
Speaker 2: is so real, and it's so exhausting as well, because

431
00:19:53,640 --> 00:19:56,680
Speaker 2: you're like, I shouldn't be tired, like literally haven't left

432
00:19:56,720 --> 00:19:58,800
Speaker 2: in my house, but I feel like I'm lacking a

433
00:19:58,800 --> 00:19:59,520
Speaker 2: lot of sleep.

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00:20:00,200 --> 00:20:02,000
Speaker 3: So if you need it, take it.

435
00:20:02,240 --> 00:20:05,359
Speaker 2: But I guess that's also a nice bonus for you, Ryan,

436
00:20:05,440 --> 00:20:08,119
Speaker 2: but also a little bit of permission to our community

437
00:20:08,160 --> 00:20:10,560
Speaker 2: that if you haven't taken a mental health day, you

438
00:20:10,640 --> 00:20:13,000
Speaker 2: are more than welcome to take mental health care days

439
00:20:13,160 --> 00:20:13,879
Speaker 2: under your.

440
00:20:13,840 --> 00:20:14,960
Speaker 3: Actual sick leave.

441
00:20:15,359 --> 00:20:20,399
Speaker 8: Absolutely, you don't need to be physically ill to be sick.

442
00:20:20,840 --> 00:20:22,680
Speaker 7: Said, Yeah, sure, that's what I care for.

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00:20:23,119 --> 00:20:25,720
Speaker 2: Use it, and I feel like it actually makes you

444
00:20:25,800 --> 00:20:28,960
Speaker 2: a more productive employee. Like Ryan, these additional days off,

445
00:20:29,080 --> 00:20:31,240
Speaker 2: like you're going to return to work feeling far more

446
00:20:31,400 --> 00:20:34,160
Speaker 2: energized and like back in it because you've had enough

447
00:20:34,200 --> 00:20:36,240
Speaker 2: time to like rest and restore and.

448
00:20:36,119 --> 00:20:38,080
Speaker 3: Like actually just get it together.

449
00:20:38,320 --> 00:20:40,639
Speaker 2: Whereas if you just don't take those days off, the

450
00:20:40,680 --> 00:20:43,520
Speaker 2: burnout is so bad, like lasts for ages.

451
00:20:43,760 --> 00:20:46,520
Speaker 8: But yeah, just taking a day to get better is

452
00:20:46,560 --> 00:20:49,240
Speaker 8: actually better for not just you, but the the business.

453
00:20:49,240 --> 00:20:51,680
Speaker 8: They'd rather have a healthy and productive in three days time.

454
00:20:51,720 --> 00:20:53,720
Speaker 8: Then don't tell my stuff that let's be fine.

455
00:20:54,040 --> 00:20:58,639
Speaker 2: Yeah, all right, So Tony or Jess, who's going next?

456
00:21:00,040 --> 00:21:02,359
Speaker 4: I can go next because I don't have a money

457
00:21:02,359 --> 00:21:04,239
Speaker 4: win or a confession.

458
00:21:03,880 --> 00:21:06,640
Speaker 2: Cool which my contributing don't.

459
00:21:06,440 --> 00:21:09,760
Speaker 4: Need my money win because I'm not spending any money

460
00:21:09,800 --> 00:21:10,399
Speaker 4: at the moment.

461
00:21:10,760 --> 00:21:13,080
Speaker 3: I've got nothing to contribute. And that's actually a win.

462
00:21:13,320 --> 00:21:17,200
Speaker 4: I love that because we're at home still and I've

463
00:21:17,440 --> 00:21:20,640
Speaker 4: you know, been taking it really easy on online shopping,

464
00:21:20,680 --> 00:21:22,959
Speaker 4: and we haven't really been you know, ordering lots of

465
00:21:23,000 --> 00:21:26,240
Speaker 4: food or doing anything fun. So I feel like my

466
00:21:26,320 --> 00:21:30,520
Speaker 4: win is that I'm I've broken even I really like that.

467
00:21:30,760 --> 00:21:31,640
Speaker 3: I think that's really good.

468
00:21:31,680 --> 00:21:33,560
Speaker 2: I have a question, Tony, do you reckon that's a

469
00:21:33,680 --> 00:21:37,639
Speaker 2: lead on from your accountability August like reset, because like

470
00:21:37,680 --> 00:21:39,240
Speaker 2: you were like, no, I'm not going to do any

471
00:21:39,280 --> 00:21:42,320
Speaker 2: discretionary spending, like no online shopping, and it was like

472
00:21:42,359 --> 00:21:45,320
Speaker 2: this like hard and fast rule for you. Now you're like, oh,

473
00:21:45,359 --> 00:21:47,520
Speaker 2: I'm just not doing any Do you think you changed

474
00:21:47,520 --> 00:21:48,400
Speaker 2: your habits?

475
00:21:48,680 --> 00:21:51,560
Speaker 4: I think it's definitely part of it, because I've done

476
00:21:51,720 --> 00:21:56,199
Speaker 4: less scrolling and less adding to cart, and things just

477
00:21:56,320 --> 00:21:58,480
Speaker 4: don't seem to be adding up the way that they did.

478
00:21:58,880 --> 00:22:01,120
Speaker 4: I think as well. You guys were just saying about

479
00:22:01,160 --> 00:22:03,960
Speaker 4: the zoom burnout. I think even to shop on my

480
00:22:04,040 --> 00:22:06,840
Speaker 4: phone or on my computer after work. I just don't

481
00:22:06,880 --> 00:22:08,800
Speaker 4: even want to sit at my computer at all. I

482
00:22:08,800 --> 00:22:10,560
Speaker 4: don't want to listen to anything. I don't want to

483
00:22:10,600 --> 00:22:14,399
Speaker 4: see anything like I've been reading on the weekend lately,

484
00:22:14,960 --> 00:22:18,120
Speaker 4: watching the TV like I'm just sick of looking at screens.

485
00:22:18,119 --> 00:22:20,600
Speaker 4: So maybe that's part of it. Maybe the zoom burnout

486
00:22:20,640 --> 00:22:22,679
Speaker 4: is good because I'm spending less fun.

487
00:22:24,240 --> 00:22:26,400
Speaker 2: Money win money when I'm burnt out.

488
00:22:26,440 --> 00:22:29,000
Speaker 4: Guys, do you have a money win Jess?

489
00:22:29,200 --> 00:22:30,520
Speaker 6: I have so.

490
00:22:30,640 --> 00:22:32,480
Speaker 5: Last week I had what was meant to be a

491
00:22:32,520 --> 00:22:34,560
Speaker 5: win and turned into a loss. This week I have

492
00:22:34,880 --> 00:22:36,960
Speaker 5: what was kind of a loss but also sort of

493
00:22:36,960 --> 00:22:37,920
Speaker 5: turned into a win.

494
00:22:39,040 --> 00:22:42,120
Speaker 2: I'm really all clutching its straws a little bit.

495
00:22:42,920 --> 00:22:45,760
Speaker 5: So the start of this week, I woke up one

496
00:22:45,760 --> 00:22:47,440
Speaker 5: morning to discover my boyfriend.

497
00:22:47,080 --> 00:22:52,040
Speaker 6: Had done the laundry. Gat Yeah, you would think so.

498
00:22:53,960 --> 00:22:58,919
Speaker 5: Upon further inspection, I discovered that he had washed a

499
00:22:59,000 --> 00:23:02,440
Speaker 5: jumper of mine and Victoria, this was actually a gift

500
00:23:02,480 --> 00:23:06,920
Speaker 5: that you gave me. It's a Mowhir jumper, No. One

501
00:23:06,960 --> 00:23:10,359
Speaker 5: of the yellow one the yellow one you guys know

502
00:23:10,400 --> 00:23:12,000
Speaker 5: that I wear all the time. It's one of the

503
00:23:12,119 --> 00:23:14,520
Speaker 5: nicest things that I own. It's like a two hundred

504
00:23:14,560 --> 00:23:15,200
Speaker 5: dollars jumper.

505
00:23:15,400 --> 00:23:16,240
Speaker 7: O honey.

506
00:23:17,080 --> 00:23:19,520
Speaker 5: He put it through the wash on like regular cycle

507
00:23:19,720 --> 00:23:21,840
Speaker 5: and it now looks like it's made for a six

508
00:23:21,960 --> 00:23:22,359
Speaker 5: year old.

509
00:23:22,480 --> 00:23:24,719
Speaker 2: Okay, all right, right, all right, So we can recover

510
00:23:24,800 --> 00:23:27,560
Speaker 2: from this. We can recover from this. Go get a

511
00:23:27,600 --> 00:23:29,960
Speaker 2: bucket of cold water or like a tub of cold

512
00:23:30,000 --> 00:23:32,199
Speaker 2: water and put a whole heap of conditioner in it

513
00:23:32,240 --> 00:23:34,520
Speaker 2: and let it soak. And then what you're going to

514
00:23:34,600 --> 00:23:36,879
Speaker 2: do is like ring it out gently, put it on

515
00:23:36,960 --> 00:23:39,440
Speaker 2: top of a towel and start stretching it out. Because

516
00:23:39,480 --> 00:23:42,400
Speaker 2: the conditioner, because it's like a natural fiber in its

517
00:23:42,440 --> 00:23:44,960
Speaker 2: mow hair, it's going to start stretched like it's going

518
00:23:45,040 --> 00:23:47,159
Speaker 2: to lose the stress in the fiber and it's going

519
00:23:47,200 --> 00:23:48,240
Speaker 2: to stretch back out.

520
00:23:48,040 --> 00:23:50,000
Speaker 3: Over a period of time. So you are welcome.

521
00:23:50,119 --> 00:23:52,159
Speaker 2: This could become a really good money win for not

522
00:23:52,200 --> 00:23:55,200
Speaker 2: only you, but other people who have maybe shrunk. They're

523
00:23:55,560 --> 00:23:57,639
Speaker 2: very nice jumpers in the washing machine.

524
00:23:57,840 --> 00:23:59,520
Speaker 7: So this is a win that became a last that's

525
00:23:59,520 --> 00:23:59,879
Speaker 7: now a win.

526
00:24:00,160 --> 00:24:03,520
Speaker 2: It's actually hot tip from my mum, so shout out

527
00:24:03,520 --> 00:24:06,640
Speaker 2: to Judy. She usually knows everything about everything, if I'm

528
00:24:06,680 --> 00:24:10,280
Speaker 2: being honest, the more you know, yeah, you're wellcare.

529
00:24:10,320 --> 00:24:11,680
Speaker 6: I was going to tell a second half that story,

530
00:24:11,720 --> 00:24:12,880
Speaker 6: but it doesn't really make sense.

531
00:24:12,680 --> 00:24:15,400
Speaker 2: Now She's like, well, I actually it was made for toddlers,

532
00:24:15,400 --> 00:24:16,720
Speaker 2: so I sold it on Deep Pop.

533
00:24:17,160 --> 00:24:18,160
Speaker 3: No toddler.

534
00:24:18,880 --> 00:24:23,400
Speaker 5: I stormed into the study holding the jumper like the

535
00:24:23,440 --> 00:24:25,080
Speaker 5: evidence of crime.

536
00:24:27,480 --> 00:24:31,640
Speaker 3: Jumper and obviously read the care label jets.

537
00:24:31,800 --> 00:24:34,239
Speaker 6: No, not at all. I don't think he even knows

538
00:24:34,280 --> 00:24:36,439
Speaker 6: that they exist, but so obviously.

539
00:24:36,520 --> 00:24:39,399
Speaker 5: He was very apologetic and immediately promised to purchase a

540
00:24:39,400 --> 00:24:42,879
Speaker 5: new one.

541
00:24:41,000 --> 00:24:43,359
Speaker 3: Out you can fix it.

542
00:24:43,359 --> 00:24:45,000
Speaker 5: It did come out a little while ago, so they

543
00:24:45,000 --> 00:24:46,359
Speaker 5: didn't even know if you'd still be able to get it,

544
00:24:46,359 --> 00:24:48,840
Speaker 5: but he jumped on the website and turns out they're

545
00:24:48,880 --> 00:24:54,080
Speaker 5: currently on sale for seventy dollars, so he replaced it

546
00:24:54,640 --> 00:24:57,720
Speaker 5: for obviously a lot less than it was purchased four

547
00:24:57,760 --> 00:24:59,760
Speaker 5: which is a win, but a loss, but a win,

548
00:25:00,359 --> 00:25:02,760
Speaker 5: you know. But now you'll have too, Well if I

549
00:25:02,800 --> 00:25:05,480
Speaker 5: fix the other one, yeah.

550
00:25:04,880 --> 00:25:06,439
Speaker 4: Oh my god, yess, you know what you should do?

551
00:25:07,520 --> 00:25:09,639
Speaker 4: Fix it then sell for two hundred dollars and you

552
00:25:09,720 --> 00:25:11,440
Speaker 4: never bought it in the first place. It was a gift,

553
00:25:11,640 --> 00:25:14,679
Speaker 4: So you've really come out on top here. You're gonna

554
00:25:14,720 --> 00:25:15,439
Speaker 4: make money.

555
00:25:15,800 --> 00:25:17,160
Speaker 6: This is a money win, win, win win.

556
00:25:18,240 --> 00:25:20,359
Speaker 3: I can't wait to hear the update next week.

557
00:25:20,480 --> 00:25:23,240
Speaker 6: I'm going to try the softener thing that Victoria suggested.

558
00:25:23,359 --> 00:25:25,360
Speaker 6: I did not know that. I'm very excited to see.

559
00:25:25,440 --> 00:25:27,800
Speaker 2: So for more money hacks, tips and tricks and all

560
00:25:27,840 --> 00:25:31,080
Speaker 2: your laundry needs, tune in next week to She's on

561
00:25:31,200 --> 00:25:33,800
Speaker 2: the Money. But as always, guys, I think that's all

562
00:25:33,840 --> 00:25:35,879
Speaker 2: we have time for today. But just before we are

563
00:25:35,920 --> 00:25:38,280
Speaker 2: head off, we'd like to acknowledge and pay our respects

564
00:25:38,320 --> 00:25:42,040
Speaker 2: to Australia's Aboriginal and torrest Right Islander people's. They're the

565
00:25:42,080 --> 00:25:45,520
Speaker 2: traditional custodians of the lands, the waterways and the skies

566
00:25:45,640 --> 00:25:48,840
Speaker 2: all across Australia. We thank you for sharing and for

567
00:25:48,960 --> 00:25:50,639
Speaker 2: caring for the land on which we.

568
00:25:50,560 --> 00:25:51,520
Speaker 3: Are able to learn.

569
00:25:51,840 --> 00:25:54,280
Speaker 2: We pay our respects to elders past and present, and

570
00:25:54,320 --> 00:25:56,480
Speaker 2: we share our friendship and our kindness.

571
00:25:56,520 --> 00:25:58,840
Speaker 4: The advice shared on Cheese on the Money is generally

572
00:25:58,960 --> 00:26:02,320
Speaker 4: nature and does not con your individual circumstances. She's on

573
00:26:02,400 --> 00:26:05,359
Speaker 4: the Money exists purely for educational purposes and should not

574
00:26:05,400 --> 00:26:08,240
Speaker 4: be relied upon to make an investment or financial decision,

575
00:26:08,640 --> 00:26:11,840
Speaker 4: and we promise. Victoria Divine is an authorized representative of

576
00:26:11,840 --> 00:26:15,840
Speaker 4: Australia Pacific Funds Management Proprietary Limited ABM three four one

577
00:26:15,880 --> 00:26:19,000
Speaker 4: three two four six three two five seven AFSL three

578
00:26:19,040 --> 00:26:20,399
Speaker 4: three nine one five one.

579
00:26:20,600 --> 00:26:28,160
Speaker 2: See you next week, guys,