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Speaker 1: She's on the Money.

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Speaker 2: She's on the Money. Hello and welcome to the first

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Speaker 2: episode of the third season of She's on the Money,

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Speaker 2: the podcast for millennials who want financial freedom. My name

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Speaker 2: is Georgia King, a copywriter and journalism student with a

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Speaker 2: little bit announced when it comes to the world of money,

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Speaker 2: but still with lots to learn if I'm honest, and

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Speaker 2: here to help answer my never ending list of questions

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Speaker 2: is my glorious co host Ms. Victoria Divine Vicki d Hello.

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Speaker 1: Excuse me, Georgia, keys you Bikindi. Yeah, that's disgusting, but

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Speaker 1: I'm glad to be back. Thank you to see you.

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Speaker 2: Okay, So today on the show, we are going to

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Speaker 2: be tackling the controversial world of fast fashion, talking through

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Speaker 2: the problems with the unsustainable system as it stands, as

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Speaker 2: well as the ways we can ethically engage with fashion

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Speaker 2: without ruining our bank accounts. But first, Victoria, money wins

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Speaker 2: or confessions? What if it got for me?

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Speaker 1: For the last little while, Okay, I've thought good and

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Speaker 1: hard about this. I have had ample time to think

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Speaker 1: of money wins and confessions. And this week well, I

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Speaker 1: mean this one was from last week, but last week

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Speaker 1: my best friend, Steph turned thirty.

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Speaker 2: Happy Steph, Happy birthday.

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Speaker 1: Happy birthday, Stephanie. You are one of my greatest friends.

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Speaker 1: She knows that already. But we decided to go out

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Speaker 1: for a high tea for her birthday, so she distanced. Yeah,

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Speaker 1: of course, to a very beautiful venue. It is what

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Speaker 1: she wanted to do. It's actually what I wanted to

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Speaker 1: do as well. So we were stoked about this.

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Speaker 2: Yeah.

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Speaker 1: We turned up to the restaurant and they weren't actually

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Speaker 1: ready for us, and the waitress was delightful, but you

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Speaker 1: could tell she was so stressed, and so she's like,

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Speaker 1: oh my gosh, I'm so sorry, guys. We have completely,

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Speaker 1: you know, lost the plot in here today. It's going

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Speaker 1: to be forty five minutes before you get any food

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Speaker 1: on your table.

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Speaker 2: Yeah, bit of a ways.

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Speaker 1: Yeah, And we could tell she was really stressed, and

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Speaker 1: we're like, no problems, do not worry at all. Like

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Speaker 1: we honestly weren't fazed.

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Speaker 2: Just happy to be out of it.

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Speaker 1: That we were happy to be out of the house.

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Speaker 1: We couldn't believe that you were free. But also, you know,

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Speaker 1: it's not her fault. You know, these things happen. Also,

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Speaker 1: we were having a good day. We were not going

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Speaker 1: to let that get in the way. So she's like,

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Speaker 1: do you want a mimosa? I was like, of course

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Speaker 1: I want a mimosa. So step and I shared a

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Speaker 1: couple of mimosas, and then she comes over to our

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Speaker 1: table and she's like, hey, guys, you know it was

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Speaker 1: still going to be another twenty minutes or whatever it was,

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Speaker 1: but I just want to let you know that I'm

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Speaker 1: going to comp the whole thing because you guys were

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Speaker 1: so nice to me, and I was so worried you

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Speaker 1: guys would come in and be really nasty to me

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Speaker 1: because you know, we didn't have it ready in time.

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Speaker 1: And I'm like, oh my gosh, no way. So my

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Speaker 1: money win is that we went out for a fancy,

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Speaker 1: fancy high tea and then the whole whole thing.

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Speaker 2: That's so nice.

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Speaker 1: How good is that?

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Speaker 2: I mean, you guys would have been happy just with

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Speaker 2: the free mimosa.

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Speaker 1: Oh my gosh. I would have been happy with a

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Speaker 1: free mimosa. In fact, I was happy not having anything

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Speaker 1: for free. But I just thought that was really kind

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Speaker 1: and that was a very nice money win for me. Georgiad, yeah,

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Speaker 1: cover money win, all money confession. I don't know where

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Speaker 1: you've been.

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Speaker 2: Well, I do have a money in this week, and

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Speaker 2: I prised, guys, Victoria hasn't paid me to say this,

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Speaker 2: where are we going? Because so I've been at Victoria's

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Speaker 2: a little bit lately. We've been podcasts planning, we've been recording,

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Speaker 2: we've been doing it all and she's been feeding me

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Speaker 2: basically I.

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Speaker 1: Do for summary.

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Speaker 2: Yeah, so the other day, what did she make me?

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Speaker 2: She made me poached eggs on toast I did with

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Speaker 2: the side of and then we had like a burrito

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Speaker 2: for lunch, some coffees and then a glass of red

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Speaker 2: wines around out the day.

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Speaker 1: And don't forget the raspberry lollies that we have through

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Speaker 1: spraspberry bullets and what are Daryl raspbry bullets and the

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Speaker 1: raspberry tweeters. Sorry, keep them in the fridge. It makes

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Speaker 1: the delight last longer.

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Speaker 2: Yeah, that was that was good. But essentially you saved

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Speaker 2: me a day's worth of eating very luxuriously.

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Speaker 1: So I don't know, I think that's the money win.

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Speaker 2: Are you trying to wind up what's going on there?

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Speaker 1: Yeah, I'm just trying to impress you in that you.

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Speaker 3: Can sign and pressed.

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Speaker 1: Well, I was just hoping that you'd sign on for

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Speaker 1: another season of She's on the Money. You know what,

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Speaker 1: Georgia just seems like the type of person I could

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Speaker 1: bribe with food, and yet was I wrong?

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Speaker 4: Yeah?

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Speaker 2: You know. Okay, let's go back to the podcast. Okay, sorry,

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Speaker 2: We'll take a quick look at the Facebook community I reckon,

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Speaker 2: who unsurprisingly has been incredibly supportive during a time that

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Speaker 2: has been so hard for so many Victoria, have any

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Speaker 2: of the posts stood out to you recently?

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Speaker 1: Yes, I actually have one post. I think it's related

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Speaker 1: to our podcast topic as well, so I feel like

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Speaker 1: this is a really good one. So I've got one

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Speaker 1: from Dana and she posted this week. Actually she said

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Speaker 1: money when I've had a few pieces of clothing that

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Speaker 1: still had tags or were only worn once, and a

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Speaker 1: pair of skates sitting in my wardrobe for over a year.

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Speaker 1: So for the first time last week I tried to

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Speaker 1: put them on eBay and within a minute, one of

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Speaker 1: the shirts was already sold. And yesterday she put the

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Speaker 1: skates on Facebook and within five minutes she sold the

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Speaker 1: skates on Facebook, meaning that she made one hundred and

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Speaker 1: sixty bucks in what's happen like six minutes worth of

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Speaker 1: work anyway. I think that's a really big money win

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Speaker 1: and also a little bit of a kickup the pants

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Speaker 1: for someone like me who has had so much time

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Speaker 1: at home yet hasn't gone through her wardrobe or put

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Speaker 1: anything on eBay or Facebook or garmentry or anywhere to

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Speaker 1: sell it.

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Speaker 2: The same I have a huge bag of clothes and

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Speaker 2: I've been meaning to do that with and I just

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Speaker 2: I can't be bothered.

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Speaker 1: Yeah, I think you saw in my study last time

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Speaker 1: You're at my house, Georgia, that I actually have a

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Speaker 1: pile of clothing and shoes in the corner of my

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Speaker 1: study that I've been saying, Look, they're too good to donate,

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Speaker 1: but I also want to put them on eBay or

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Speaker 1: something and just haven't done it. I need to find it.

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Speaker 2: Although Dona Dana did part with her skates, which upsets me.

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Speaker 1: Yeah, I'm not gonna let my skates go. I actually

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Speaker 1: have some pretty sick rollerblades. Really.

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Speaker 2: Yeah.

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Speaker 1: My best friend or one of my best friends, Frozen

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Speaker 1: and I when she didn't live in Canada because she's

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Speaker 1: bailed on me, we used to go roller blading all

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Speaker 1: the time. Yes, it was actually so fun interesting. Yes,

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Speaker 1: we used to like use our Saturday mornings. And this

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Speaker 1: is probably the lamest thing you'll learn about me. We

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Speaker 1: used to on a Saturday morning go roller skating, had

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Speaker 1: a really fun time. Just like so near where we live,

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Speaker 1: or where Rose used to live before she left me

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Speaker 1: to move to Canada, was a completely concreted path and

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Speaker 1: it was called the Century Trail. For anyone who lives

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Speaker 1: in the Inn East you'll know what I'm talking about.

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Speaker 1: So we'd go along the Century Trail, all completely concreted,

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Speaker 1: so perfect for our rollerblades. I stacked it a couple

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Speaker 1: of times. We've got some Gnali scars from our roller

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Speaker 1: plating escapades, but you know what we do after that,

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Speaker 1: we'd go to seven leander them and get slurpies because

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Speaker 1: we're at all no I was twenty eight. No judgment here,

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Speaker 1: no judgment, but I thought we were still having fun.

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Speaker 2: I'm happy for you. I'm glad we spent five honurs.

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Speaker 1: Sugar free about our sugar free coke. Slurvies were absolutely amazing.

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Speaker 1: One dollar, by the way, is what a slurpy cost

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Speaker 1: of these days. It's not healthy, but what a good

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Speaker 1: date day for me and a friend.

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Speaker 2: Yeah, love that for you.

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Speaker 1: You know what. I think you should keep the podcast going,

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Speaker 1: get us back on track. Georgia King. I would love

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Speaker 1: to know if you have something from the community that

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Speaker 1: you would like to do.

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Speaker 2: I have a little win from a lovely lady named Lauren,

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Speaker 2: and she's written a whole post about Lulu lemon so

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Speaker 2: I know they're the best. Essentially, she had some types

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Speaker 2: for a few years. They were starting to disintegrate or deteriorate,

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Speaker 2: she's written, so she went back in and spoke with

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Speaker 2: the sales associate and they actually exchanged them really, which

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Speaker 2: seems I didn't know that that was a thing. I

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Speaker 2: know that's a thing for some brands, especially more expensive brands.

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Speaker 2: Like let's be honest, how much does the cost of

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Speaker 2: Lulu leggings cost you? One hundred and something?

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Speaker 1: Yeah, one hundred and twenty or three? Yeah, and they

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Speaker 1: are more expensive ones. Yeah, Look, they're an investment. They

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Speaker 1: are super comfy. But also if you bought them in

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Speaker 1: a month later, all the scenes came undone. I' yeah

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Speaker 1: pretty annoyed. Yeah, I love that money when I think

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Speaker 1: that's really good. But I'd also like to point out

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Speaker 1: that I actually did say that on Facebook. Georgia. Yes,

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Speaker 1: and I didn't love some of the comments on there

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Speaker 1: because I felt like a lot of people were potentially

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Speaker 1: trying to abuse that policy. Right, So, I mean, if

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Speaker 1: you've had them for a while and they've definitely deteriorated

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Speaker 1: beyond what reasonable wear and tear might be, then absolutely

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Speaker 1: take them back. They're a quality product and you should

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Speaker 1: expect quality right to us. And if you've been wearing

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Speaker 1: them for five years and you're taking your old Lulu

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Speaker 1: leggings back and saying, okay, well you can replace these,

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Speaker 1: I've worn these out now, Yeah, I mean you've got

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Speaker 1: good cost per wear out of those, I think that

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Speaker 1: maybe you should do the right thing by the brands

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Speaker 1: because if you don't, those policies are going to disappear

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Speaker 1: to the people who actually need them.

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Speaker 2: Yes, so don't take key there, Yeah, don't.

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Speaker 1: Take the mickey. But like good little chat I think

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Speaker 1: to have but also definitely a money win and definitely

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Speaker 1: stand up for the things that you are entitled to

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Speaker 1: as well, Like if something is broken, take it back.

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Speaker 1: Ye ask the retailer what they can do about it.

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Speaker 1: The worst they can say is no, exactly, just be kind,

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Speaker 1: like approach everything with kindness, and I'm sure people will

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Speaker 1: throw it right back at you.

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Speaker 2: A lovely message to end that on fee. Alrighty, so

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Speaker 2: now it is time for the main topic of today's show,

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Speaker 2: Fast Fashion?

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Speaker 1: Well, who who?

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Speaker 2: Fast Fashion is the term given to the cycle in

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Speaker 2: which big brands mass produce the latest runway trends at

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Speaker 2: an affordable price, making them accessible to a wider group

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Speaker 2: of people. Now this does sound noble, and it's great

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Speaker 2: that affordability means less exclusivity, but usually these fast fashion

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Speaker 2: giants actually like integrity in their business practice and they

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Speaker 2: utilize unsustainable, unethical methods to keep their prices low. Now

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Speaker 2: I've done my research, guys, and according to the ABC,

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Speaker 2: Australians are currently disposing of six thousand kilograms of fashion

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Speaker 2: and textile waste every ten minutes.

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Speaker 1: Wait what ten minutes?

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Speaker 2: Ten minutes? Six thousand kilograms?

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Speaker 1: Okay? I thought you were going to say like every

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Speaker 1: month or something, and I was going to be horrified

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Speaker 1: at that as well. But what do you mean every

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Speaker 1: ten minutes in Australia? Okay, sorry, I'll let you get

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Speaker 1: back with you rap. Yes, sorry, I just needed to

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Speaker 1: jump in there. Give me some more status stat scalp.

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Speaker 2: Okay, So the fashion industry also accounts with ten percent

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Speaker 2: of global p which is actually the second highest industry contributor.

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Speaker 2: And this is because of these pesticides and cotton farming,

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Speaker 2: as well as fossil fuels and the production of polyester,

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Speaker 2: and also the release of methane from clothes in landfill,

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Speaker 2: as well as heaps of other destructive bits and pieces.

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Speaker 2: Victoria for context, because I am harping on over here

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Speaker 2: for context, can you please talk us through a little

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Speaker 2: bit of the history of fast fashion in Australia and

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Speaker 2: talk us through white is so very problematic.

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Speaker 1: That was actually really interesting, And Georgia and I this

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Speaker 1: season have decided to not read each other's notes before

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Speaker 1: we go into podcast recording. So I'm actually shocked that

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Speaker 1: that is the case, Georgia. It has a lot of

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Speaker 1: issues associated with it, right, Like we know that already.

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Speaker 1: We've probably seen on blogs on Instagram. We can see

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Speaker 1: all of these fashion brands trying to be more ethical

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Speaker 1: and for good reason. But one of the main issues

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Speaker 1: here is that's so bad for the environment in both

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Speaker 1: pollution and waste, but also the social aspects of inadequate

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Speaker 1: working additions in the warehouses that exist abroad, which also

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Speaker 1: have completely unsustainable wages for those factory workers, which, honestly,

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Speaker 1: let's be honest, is a huge issue. So the other

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Speaker 1: big issue is that we are spending money on items

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Speaker 1: that do not last for us and they don't serve

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Speaker 1: us well in the long term. So look, there's just

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Speaker 1: so much going on there. And I could harp on

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Speaker 1: about values and beliefs and all of the things that

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Speaker 1: I believe in. I think you guys know where I

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Speaker 1: would go with that. But I think it's really important

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Speaker 1: to just start this conversation, especially in our community, because

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Speaker 1: it is so important. So in the past ten to

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Speaker 1: twenty years, things have changed dramtically, let's be honest. We

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Speaker 1: are making leaps and bounds in the right direction. And

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Speaker 1: the fashion process now no longer takes like six months,

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Speaker 1: actually can take only two weeks.

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Speaker 2: So that's ridiculous, insane how much goes into the design

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Speaker 2: and the production and the retail of it exactly.

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Speaker 1: But it's also somewhat terrifying because you've got to think

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Speaker 1: about what people are compromising to make that happen. So

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Speaker 1: it's now no longer a process of six months. It's

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Speaker 1: back and forth for design and then construction and all

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Speaker 1: of that other stuff. If it can take two weeks, obviously,

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Speaker 1: that means that we can be in the latest trends quicker,

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Speaker 1: but also at what cost? And I think that we

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Speaker 1: really need to be talking about that. So the essence

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Speaker 1: of fast fashion is that it is seen to be

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Speaker 1: somewhat disposable. I guess it's due to its cheap price

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Speaker 1: point and often low quality. Like how many times have

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Speaker 1: we all said, oh, oh, just buy that toop, It'll

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Speaker 1: be perfect for Saturday night yep, and then you never

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Speaker 1: wear it again exactly. So for me, that's something that

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Speaker 1: I've spoken about before, and it's not aligned to my

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Speaker 1: goals and my values, but it's also something that you

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Speaker 1: know each to our own. But I have friends that

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Speaker 1: I've had conversations around this topic and they're like, I've

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Speaker 1: really never thought about it too deeply, and so I

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Speaker 1: think that it's just a really good conversation to open up. Yeah, so, Georgia,

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Speaker 1: to jump back on track, the fact of the matter

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Speaker 1: is that these always new stock in store. That compels

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Speaker 1: us as the consumers to keep shopping so that we

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Speaker 1: can obtain the latest and greatest, which we feel like

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Speaker 1: we should Yeah, I shouldn't but our dopamine levels are

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Speaker 1: associated with this. To get a little bit psychology on

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Speaker 1: you for a second, which are our pleasure hormones or

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Speaker 1: receptors as you would like. And when we see these things,

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Speaker 1: we want to buy them, and they give us this

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Speaker 1: really good feeling, so it spikes, but then it goes

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Speaker 1: away immediately. So I feel like a lot of us

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Speaker 1: are potentially buying clothes that we don't need because they

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Speaker 1: make us feel good for five minutes, we wear them

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Speaker 1: once and then they just blow the landfill, and it's

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Speaker 1: an absolute waste for everybody involved. It's waste of your money,

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Speaker 1: it's a waste of resources. It is just a waste.

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Speaker 1: I mean, I'm being dramatic, but the end of the day,

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Speaker 1: it's something that I'm quite passionate about. And we often

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Speaker 1: end up in situations where we buy something a month ago,

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Speaker 1: then we don't want it anymore because we bought it

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Speaker 1: in the heat of the moment. Maybe it was like

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Speaker 1: ill fitted, but you're willing to compromise because it's cheap.

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Speaker 1: But then it's like, well, I'm not gonna wear it

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Speaker 1: because it is ill fitted, And yeah, that's the end

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Speaker 1: of my little fast fashion ranch. But the driving principle

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Speaker 1: of the problem with this fashion form and explains why

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Speaker 1: it's so effective but also slow damaging on our personal

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Speaker 1: bank accounts.

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Speaker 2: Well, that's it, isn't it.

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Speaker 1: Yeah, we're not just talking about, you know, being ethical

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Speaker 1: and buying things from overseas. It's like, well, I know

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Speaker 1: that top from H and M was only going to

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Speaker 1: cost you fourteen dollars or something, but when you buy

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Speaker 1: three of those a month exactly, and we justify it

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Speaker 1: so easy because quote me, oh, it was only fifteen dollars,

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Speaker 1: or it was only twenty dollars. Yeah, twenty dollars is

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Speaker 1: a lot in the grand scheme of things, especially if

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Speaker 1: it's not going towards something constructive exactly.

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Speaker 2: I think you guys spoke about this in season one

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Speaker 2: in the Price of Comparison, But would you say that

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Speaker 2: social media plays into this expectation that we always need

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Speaker 2: to be looking fresh and and new top, like you

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Speaker 2: can't wear the same thing twice on the socials, that's silly,

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Speaker 2: Like what's that about.

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Speaker 1: I think that that definitely plays into it. That was

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Speaker 1: one of my favorite episodes actually to record, because it's

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Speaker 1: something I'm so passionate about and I think there's this

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Speaker 1: unrealistic expectation for us to consistently be in the latest

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Speaker 1: and greatest when it's not actually necessary. Like we put

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Speaker 1: these expectations on ourself, but we'd never in a million

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Speaker 1: years put them on our friends. Like I might think,

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Speaker 1: oh my gosh, I can't wear you know, I'm at

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Speaker 1: a life stage where a lot of my friends are

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Speaker 1: getting married, and my thought process is, I'm not going

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Speaker 1: to wear that dress to the wedding because the friends

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Speaker 1: that are going to be at the wedding have seen

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Speaker 1: that dress before. Whereas I'm sure if I asked you, Georgia, hey,

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Speaker 1: should I wear that navy dress that I have, you go, yeah,

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Speaker 1: you look great in it, Like, just wear it again.

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Speaker 1: It's great dress. So I think that we put unrealistic

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Speaker 1: expectations on ourselves that we would never actually put on

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Speaker 1: our friends. So I think we need to be a

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Speaker 1: little bit kinder to ourselves and also just be aware that,

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Speaker 1: you know, we aren't all social media influencers. And you

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Speaker 1: know you've said this a million times, but debt is invisible.

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Speaker 1: Like each time you see someone on a social media

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Speaker 1: platform wearing the latest and greatest one, you don't know

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Speaker 1: if it was gifted to them. That's very popular right

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Speaker 1: now where brands will reach out to influencers and say, hey,

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Speaker 1: we'll give you a dress if you post it on

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Speaker 1: your feed. But two, you don't know how much debt

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Speaker 1: they went into that, or if they're not in debt,

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Speaker 1: you don't know their financial situation that has allowed them

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Speaker 1: to afford that, exactly. So stop comparing yourself to the

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Speaker 1: journey if.

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Speaker 2: We know on Instagram we're only seeing people's highlight reels exactly. No.

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Speaker 1: I love your mum. I think she's great and also

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Speaker 1: has some wisdom there. But I posted a quote the

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Speaker 1: other day that said, sometimes the grass is green ut

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Speaker 1: because it's fake, and I just thought that was so good. Yeah,

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Speaker 1: I mean not so good, but like I saw it

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Speaker 1: and I was like, you know what, that's so true,

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Speaker 1: so true. Yeah, that is so true, And like that

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Speaker 1: then aligns George to my favorite quote, which is fake

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Speaker 1: rich now real poor Later Zarah, all right, I mean

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Speaker 1: that'll do. Let's wrap that segment.

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Speaker 2: So I was actually listening to an interview last week

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Speaker 2: Victoria with the founder of Nick Nata, which I don't

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Speaker 2: know if you've heard of, but I haven't. You haven't

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Speaker 2: I'll explain it.

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Speaker 1: Does that make me wildly uncle? No? No, you're yeah,

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Speaker 1: I mean my sister, I am wildly uncle.

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Speaker 2: It's a beautiful Barren Bay based Australian lifestyle brand, beautiful leggings, jumpers.

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Speaker 2: It's divine. But I think it was Laura May who

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Speaker 2: was the founder. She was talking about how she built

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Speaker 2: the brand, and she was so clearly, so passionate about

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Speaker 2: what she was talking about. But she mentioned that a

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Speaker 2: bigger brand had come in and effectively stolen her designs

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Speaker 2: and reproduced them.

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Speaker 1: Slapped there lay that's actually the worst.

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Speaker 2: You can go to Nick Nada's instagram to see which

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Speaker 2: big brand that was if you're interested, but we won't

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Speaker 2: name them here.

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Speaker 1: That is not cool. I actually have a girlfriend called

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Speaker 1: Cat who is an absolute delight. She runs and you

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Speaker 1: guys might have heard of it. Kat the label, which

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Speaker 1: is a gorgeous lingerie brand. Yeah, and she's had that

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Speaker 1: happen again by a very large brand and at the

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Speaker 1: time is heartbreaking. Like I reached out to her, I

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Speaker 1: was like, what can I do? And there's actually nothing

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Speaker 1: I can do because I can't get involved in this.

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Speaker 1: But it's one of those things where you know she

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Speaker 1: puts her heart and her soul in this. Like I

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Speaker 1: have been following Cat the label since she started it

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Speaker 1: and watching it girl on social since she's gone from

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Speaker 1: being at home to having a studio and now she's

400
00:18:01,200 --> 00:18:03,959
Speaker 1: got her own warehouse, and like she's absolutely killing it,

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Speaker 1: Like she is the ultimate girl boss, I promise you.

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Speaker 1: But to see someone who has been killing it and

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Speaker 1: been so successful and like, you know, just carving away

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Speaker 1: for herself. To see someone with such or see a

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00:18:16,600 --> 00:18:19,359
Speaker 1: brand with such a big following essentially pulled the rug

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Speaker 1: out from under them. Like the design was blatant. It

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Speaker 1: was exactly the same lace. Like I can't imagine how

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Speaker 1: mad they are, but it is just so wildly unfair.

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Speaker 2: And I don't think there's much they can do.

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Speaker 1: I don't think that there is either, But I also

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Speaker 1: think it's you know, you wish these brands just had

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Speaker 1: best practices and didn't steal other people's designs, but they're

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Speaker 1: at the top of that.

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Speaker 2: We're buying it.

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Speaker 1: How terrifying is it that people can produce replicas so quickly, Like,

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Speaker 1: to me, that's awful, but also something that you know,

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Speaker 1: we need to have a chat about as a community,

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Speaker 1: so that we're supporting those people in the community, and

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Speaker 1: we know why their product is a little bit more

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Speaker 1: expensive because it's got the right ethics and morals and

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Speaker 1: values behind it, as opposed to a mass produced item

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Speaker 1: that has been bulk shipped from China to be in

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Speaker 1: stores for a week tops. Like it's heartbreaking. So I

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Speaker 1: think it's really important to have this conversation.

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Speaker 2: Yeah, just start that educational piece and really start understanding

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Speaker 2: where our clothing is coming from and support local where

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Speaker 2: you can.

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Speaker 1: Yeah, absolutely, and sometimes you do have to spend a

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Speaker 1: little bit more, but I do believe that you're paying

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Speaker 1: for quality and you're paying to support small business, and like,

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Speaker 1: you know, I think it's really important for us to

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Speaker 1: also really highlight here that some people aren't in that position, right,

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Speaker 1: Like some of us are going to be listening to

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Speaker 1: this podcast and you're like, I can't afford to just

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Speaker 1: go to Nagnata.

436
00:19:36,760 --> 00:19:38,480
Speaker 2: Yeah, like that was my next question to you.

437
00:19:38,520 --> 00:19:41,080
Speaker 1: Is, well, sorry for jumping ahead, excuse me.

438
00:19:41,560 --> 00:19:43,199
Speaker 2: What do you do if you do want to be

439
00:19:43,240 --> 00:19:46,399
Speaker 2: an ethical shopper but you actually can't afford to be, Like,

440
00:19:46,680 --> 00:19:48,600
Speaker 2: you know, supporting local can be really expensive.

441
00:19:48,800 --> 00:19:52,000
Speaker 1: Ah, one hundred percent, But I think it's all about

442
00:19:52,119 --> 00:19:55,560
Speaker 1: more conscious purchases. Like I am sitting here in a

443
00:19:55,600 --> 00:19:57,760
Speaker 1: pair of genes that I bought at Kmart, and I

444
00:19:57,840 --> 00:20:01,080
Speaker 1: am so proud of these Kmart jeans. Honestly get on them.

445
00:20:01,400 --> 00:20:03,040
Speaker 1: Like I think I bought them on sale as well,

446
00:20:03,080 --> 00:20:06,920
Speaker 1: so they were fifteen dollars. But when I talk about that,

447
00:20:07,119 --> 00:20:09,439
Speaker 1: I'm not just buying them because they are something that

448
00:20:09,480 --> 00:20:12,959
Speaker 1: I'm gonna buy once and wear once. Like I genuinely

449
00:20:13,040 --> 00:20:16,280
Speaker 1: needed a pair of white jeans because I think white

450
00:20:16,359 --> 00:20:18,639
Speaker 1: jeans is a little love white jean. It's a vibe

451
00:20:18,640 --> 00:20:22,080
Speaker 1: for me. I don't really own much else, but I

452
00:20:22,160 --> 00:20:24,439
Speaker 1: needed a new pair of white jeans and started to

453
00:20:24,480 --> 00:20:27,400
Speaker 1: do some research on, you know, what other people liked

454
00:20:27,440 --> 00:20:29,480
Speaker 1: and what was going on, and I saw a couple

455
00:20:29,480 --> 00:20:33,399
Speaker 1: of blogs online where people were raving about these Kmart jeans.

456
00:20:33,480 --> 00:20:35,600
Speaker 1: I was like, all right, like I'll get on board this.

457
00:20:35,840 --> 00:20:37,879
Speaker 1: Like usually I spend, let's be honest, one hundred and

458
00:20:37,920 --> 00:20:39,720
Speaker 1: fifty dollars on a pair of jeans because I'm gotta

459
00:20:39,800 --> 00:20:43,800
Speaker 1: leave us. It's like, that's pretty standard. Fifteen dollars. Georgia King,

460
00:20:44,040 --> 00:20:46,360
Speaker 1: I was very happy with those, But I think it's

461
00:20:46,400 --> 00:20:49,879
Speaker 1: more about making conscious choices and not just buying for

462
00:20:49,920 --> 00:20:52,080
Speaker 1: the sake of buying, Like, there is no shame in

463
00:20:52,119 --> 00:20:55,119
Speaker 1: buying your basics from Kmart. I love it. I do

464
00:20:55,200 --> 00:20:57,600
Speaker 1: it all the time. But if I'm gonna go and

465
00:20:57,640 --> 00:21:02,440
Speaker 1: buy something from Kmart, the same principles apply for when

466
00:21:02,440 --> 00:21:06,280
Speaker 1: I'm purchasing there, or if I'm purchasing from a really

467
00:21:06,440 --> 00:21:09,600
Speaker 1: expensive lux brand. Am I actually going to wear this item?

468
00:21:09,720 --> 00:21:11,840
Speaker 1: How long will I wear this item for? Is it

469
00:21:11,920 --> 00:21:14,000
Speaker 1: going to get the wear out of it? It would

470
00:21:14,000 --> 00:21:15,760
Speaker 1: be nice if we could all step back and just

471
00:21:15,760 --> 00:21:18,000
Speaker 1: say no, I'm only ever going to support local, But

472
00:21:18,119 --> 00:21:21,040
Speaker 1: let's be honest. That is not ethical, it is not reasonable,

473
00:21:21,080 --> 00:21:22,840
Speaker 1: and not something that a lot of us can do.

474
00:21:23,240 --> 00:21:25,600
Speaker 1: But what we can do is be more conscious with

475
00:21:25,800 --> 00:21:28,720
Speaker 1: how much we are adding to our wardrobes exactly. So

476
00:21:29,000 --> 00:21:32,719
Speaker 1: regardless of what financial situation you're in, regardless of what

477
00:21:32,760 --> 00:21:35,440
Speaker 1: your beliefs are, I think we can all step back

478
00:21:35,480 --> 00:21:37,840
Speaker 1: and go, well, actually, do I need this item or

479
00:21:37,880 --> 00:21:39,520
Speaker 1: am I going to get the wear out of them?

480
00:21:40,000 --> 00:21:42,080
Speaker 2: Got ten of that in my wardrobe exactly?

481
00:21:42,280 --> 00:21:45,280
Speaker 1: And something that I have Georgia, which is a little

482
00:21:45,359 --> 00:21:47,440
Speaker 1: bit I know you're smirking because you've seen it on

483
00:21:47,440 --> 00:21:50,600
Speaker 1: their phone before. I have an album on my phone,

484
00:21:50,880 --> 00:21:54,080
Speaker 1: and that album has photos of myself which I would

485
00:21:54,119 --> 00:21:56,919
Speaker 1: never want other people to see, of outfits that I

486
00:21:56,960 --> 00:21:59,760
Speaker 1: really like. And so if I put a new outfit

487
00:21:59,800 --> 00:22:02,080
Speaker 1: together that at home, like I pair a different jumper

488
00:22:02,119 --> 00:22:03,760
Speaker 1: with a pair of jeans that I haven't worn before,

489
00:22:03,880 --> 00:22:05,400
Speaker 1: I'll take a photo of it and I will save

490
00:22:05,440 --> 00:22:08,840
Speaker 1: it to my outfit folder so that one I love it.

491
00:22:08,880 --> 00:22:10,640
Speaker 1: Because sometimes when I don't know what I want to wear,

492
00:22:10,680 --> 00:22:13,320
Speaker 1: I scroll through there, remember an outfit I've worn before,

493
00:22:13,560 --> 00:22:16,639
Speaker 1: go find it in my wardrobe. But second, I actually

494
00:22:16,720 --> 00:22:18,159
Speaker 1: use it when I'm out. So if I want a

495
00:22:18,200 --> 00:22:20,679
Speaker 1: new pair of white jeans, I'll flick through and just

496
00:22:20,720 --> 00:22:24,920
Speaker 1: see what's in my album. Victoria Divine, you own four

497
00:22:24,920 --> 00:22:26,440
Speaker 1: pairs of white jeans, you don't need another pair of

498
00:22:26,440 --> 00:22:28,320
Speaker 1: wa jas. I mean I did in this situation. But

499
00:22:29,200 --> 00:22:31,879
Speaker 1: I can just check what's there. And I actually have

500
00:22:31,960 --> 00:22:34,440
Speaker 1: a rule that says that if I don't have five

501
00:22:34,520 --> 00:22:37,520
Speaker 1: pieces of clothing in my wardrobe that will go with

502
00:22:37,560 --> 00:22:40,560
Speaker 1: whatever I'm purchasing, I can't have it. It's a little

503
00:22:40,600 --> 00:22:42,560
Speaker 1: bit of a like hurdle that I put in place

504
00:22:42,600 --> 00:22:44,880
Speaker 1: for myself. So that I end up in a position

505
00:22:44,920 --> 00:22:46,920
Speaker 1: where if I'm going to add something to my wardrobe,

506
00:22:47,040 --> 00:22:49,800
Speaker 1: I know I will be able to wear it brilliant.

507
00:22:50,000 --> 00:22:52,879
Speaker 2: I think there's also a thing called capsule wardrobes. I

508
00:22:52,920 --> 00:22:54,879
Speaker 2: think that's that's what they're called. So it's like you

509
00:22:54,920 --> 00:22:57,800
Speaker 2: wear or you have basics or can you explain?

510
00:22:57,800 --> 00:23:00,760
Speaker 1: I don't, So I do try to have a cap wardrobe,

511
00:23:00,760 --> 00:23:03,679
Speaker 1: but I'm not nearly as minimalist as I would like

512
00:23:03,840 --> 00:23:06,880
Speaker 1: to be. So capsule wardrobe is where, you know, there's

513
00:23:06,920 --> 00:23:08,800
Speaker 1: lots of different blogs on this, and maybe we'll write

514
00:23:08,800 --> 00:23:11,320
Speaker 1: an article on this, George, I would reckon get you

515
00:23:11,400 --> 00:23:15,280
Speaker 1: to do some more research. But capsual wardrobes are where

516
00:23:15,320 --> 00:23:19,160
Speaker 1: you have essentially a confined amount of clothes that all

517
00:23:19,200 --> 00:23:23,400
Speaker 1: match together. So you don't have boundless amounts of tops.

518
00:23:23,600 --> 00:23:26,280
Speaker 1: You just have five tops that you absolutely love wearing.

519
00:23:26,680 --> 00:23:30,200
Speaker 1: So it really minimizes what's in your wardrobe but maximizes

520
00:23:30,240 --> 00:23:31,200
Speaker 1: the wear of each item.

521
00:23:31,760 --> 00:23:34,200
Speaker 2: So you're getting good value there, Yeah.

522
00:23:34,080 --> 00:23:37,160
Speaker 1: Good value. But also, let's be honest, it makes picking

523
00:23:37,160 --> 00:23:39,639
Speaker 1: your outfits easier because you have five tops that you

524
00:23:39,720 --> 00:23:43,240
Speaker 1: absolutely love wearing, as opposed to having twenty tops that

525
00:23:43,280 --> 00:23:46,600
Speaker 1: you feel okay in so I think it's actually about

526
00:23:46,640 --> 00:23:49,439
Speaker 1: how you feel as much as it is about Okay, well,

527
00:23:49,520 --> 00:23:52,440
Speaker 1: let's talk about how we can get more cost per

528
00:23:52,480 --> 00:23:55,160
Speaker 1: wear out of each item that you have. But also

529
00:23:55,200 --> 00:23:57,320
Speaker 1: with capsual wardrobes, I know that there are lots of

530
00:23:57,359 --> 00:24:00,480
Speaker 1: different strategies associated with this, right, Okay, it's actually a

531
00:24:00,560 --> 00:24:02,760
Speaker 1: thing if you want to look into it. Yeah, and

532
00:24:03,080 --> 00:24:05,119
Speaker 1: there are people who say you should only have thirty

533
00:24:05,160 --> 00:24:07,880
Speaker 1: items in your wardrobe. There are people who say fifty items.

534
00:24:07,880 --> 00:24:11,640
Speaker 1: There are people who say have eighty and that includes everything.

535
00:24:11,720 --> 00:24:17,840
Speaker 1: It's like belts, shoes, jeans, jackets, everything. I don't follow

536
00:24:17,960 --> 00:24:21,159
Speaker 1: that because I just have never taken it that seriously.

537
00:24:21,640 --> 00:24:24,160
Speaker 1: But my take on a capsule wardrobe is just really

538
00:24:24,200 --> 00:24:27,159
Speaker 1: making sure I have minimal pieces, all of which I

539
00:24:27,200 --> 00:24:29,360
Speaker 1: love wearing, and that match each other.

540
00:24:29,720 --> 00:24:32,160
Speaker 2: I actually feel like maybe I have a capsual wardrobe

541
00:24:32,160 --> 00:24:33,680
Speaker 2: and I just haven't realized.

542
00:24:33,480 --> 00:24:37,800
Speaker 1: Well, you're always really delightfully dressed. That'd be much cooler

543
00:24:37,800 --> 00:24:38,360
Speaker 1: than I.

544
00:24:38,160 --> 00:24:40,240
Speaker 2: I just wear. It's a beij and black if I'm honest. Actually,

545
00:24:40,320 --> 00:24:42,120
Speaker 2: I'm wearing orange jeans right now, which.

546
00:24:42,160 --> 00:24:44,399
Speaker 1: They're pretty cool. They're pretty cool.

547
00:24:44,800 --> 00:24:47,879
Speaker 2: Okay, So let's move this show along Victoria.

548
00:24:48,240 --> 00:24:50,080
Speaker 1: We were kind of as, are so cool.

549
00:24:49,920 --> 00:24:53,560
Speaker 2: Thank you. I want some solutions for sustainable shopping in Australia.

550
00:24:53,640 --> 00:24:55,760
Speaker 1: What have you got? Okay, So we've been through a

551
00:24:55,760 --> 00:24:57,960
Speaker 1: couple of them, and as I said, like it's a

552
00:24:58,000 --> 00:25:00,560
Speaker 1: privileged thing to be able to do, but all can

553
00:25:00,720 --> 00:25:03,240
Speaker 1: just be more aware of the decisions that we are making.

554
00:25:03,640 --> 00:25:06,320
Speaker 1: I guess first things first is support local where possible.

555
00:25:06,480 --> 00:25:10,679
Speaker 1: If you can buy local, Australian made brands Fantastic have

556
00:25:10,760 --> 00:25:13,800
Speaker 1: a flip through their labels, a lot of Australian made brands,

557
00:25:13,800 --> 00:25:16,400
Speaker 1: Like if you go into small boutiques, you'll find they're

558
00:25:16,400 --> 00:25:18,840
Speaker 1: actually importing clothes. So just like creep on them a

559
00:25:18,880 --> 00:25:21,560
Speaker 1: little bit, work out where they're coming from. The next

560
00:25:21,640 --> 00:25:24,359
Speaker 1: is just buy less, like full stop, buy less, cross

561
00:25:24,400 --> 00:25:26,960
Speaker 1: the board, consume less. Like there is a stat that

562
00:25:27,000 --> 00:25:29,200
Speaker 1: I looked up earlier and it's said that the average

563
00:25:29,200 --> 00:25:34,399
Speaker 1: Australian actually buy twenty seven kilograms of new clothing and

564
00:25:34,440 --> 00:25:37,640
Speaker 1: textiles each year, which I thought was insane, and all

565
00:25:37,680 --> 00:25:39,880
Speaker 1: of those like, as much as you're buying twenty seven

566
00:25:40,000 --> 00:25:43,760
Speaker 1: kilos of new textiles and clothing, people are only wearing

567
00:25:43,800 --> 00:25:47,280
Speaker 1: things an average of seven times, like that's not acceptable

568
00:25:47,320 --> 00:25:49,720
Speaker 1: at all. So technically we're wearing things for a week

569
00:25:50,080 --> 00:25:52,520
Speaker 1: and they're not using them ever again true, and then

570
00:25:52,680 --> 00:25:55,120
Speaker 1: they are sent to landfill more often than not. So

571
00:25:55,240 --> 00:25:57,600
Speaker 1: I think that that is kind of heartbreaking, given how

572
00:25:57,640 --> 00:26:01,040
Speaker 1: disposable we seem to think fashion is. When you know,

573
00:26:01,200 --> 00:26:03,439
Speaker 1: let's think about it. Historically, it was always seen as

574
00:26:03,480 --> 00:26:06,560
Speaker 1: a cultural thing, like fashion was a way of expressing ourselves,

575
00:26:06,600 --> 00:26:09,119
Speaker 1: expressing our culture. Like, I feel like we really need

576
00:26:09,160 --> 00:26:11,399
Speaker 1: to go back to the roots of what fashion is about,

577
00:26:11,600 --> 00:26:14,440
Speaker 1: and it's about just having pieces that we wear because

578
00:26:14,480 --> 00:26:17,600
Speaker 1: they make us feel good, Like we shouldn't be buying

579
00:26:17,680 --> 00:26:19,400
Speaker 1: just stuff for the sake of it. And I think

580
00:26:19,400 --> 00:26:23,639
Speaker 1: there's something really empowering about being a wardrobe or outfit repeater,

581
00:26:24,200 --> 00:26:26,440
Speaker 1: like I am, honestly, like I'd like to dub myself

582
00:26:26,440 --> 00:26:28,120
Speaker 1: with the Queen of outfit repeating.

583
00:26:28,200 --> 00:26:30,480
Speaker 2: I think I might rival you for that title, but yeah.

584
00:26:30,359 --> 00:26:33,800
Speaker 1: Go, maybe we'll start a competition in the She's on

585
00:26:33,840 --> 00:26:37,000
Speaker 1: the Money group who has worn an outfit the most times.

586
00:26:37,440 --> 00:26:40,000
Speaker 1: But I know that I have this stripey dress that

587
00:26:40,119 --> 00:26:43,840
Speaker 1: I have had since probably twenty eleven, genuinely, like I

588
00:26:43,920 --> 00:26:47,040
Speaker 1: got it way back in my first university degree for

589
00:26:47,200 --> 00:26:50,119
Speaker 1: a university ball, and I have probably worn it to

590
00:26:50,320 --> 00:26:54,040
Speaker 1: upwards of ten events. I just love the dress, honestly.

591
00:26:54,040 --> 00:26:58,560
Speaker 1: It's like really well fitted, it's got pockets poet might

592
00:26:58,680 --> 00:27:02,240
Speaker 1: pocket dress. It's it's got really complimentary stripes on it.

593
00:27:02,240 --> 00:27:05,520
Speaker 1: It's my two favorite colors Georgia, navy and white, so

594
00:27:05,560 --> 00:27:07,080
Speaker 1: I feel like it was always going to be a winner.

595
00:27:07,280 --> 00:27:09,600
Speaker 1: But I love wearing it, so it makes sense to

596
00:27:09,640 --> 00:27:12,280
Speaker 1: me to actually pick that dress up when I have

597
00:27:12,400 --> 00:27:15,080
Speaker 1: an event because I go, hey, I'd love to wear

598
00:27:15,080 --> 00:27:17,440
Speaker 1: this dress again. It makes me feel really good when

599
00:27:17,480 --> 00:27:19,359
Speaker 1: I wear it. So I think that we need to

600
00:27:19,359 --> 00:27:21,320
Speaker 1: go back to that and just not worry so much

601
00:27:21,320 --> 00:27:24,080
Speaker 1: about people having seen an outfit, like we buy an

602
00:27:24,119 --> 00:27:26,760
Speaker 1: outfit because it was looking good on us in the

603
00:27:26,760 --> 00:27:27,359
Speaker 1: first place.

604
00:27:27,720 --> 00:27:28,920
Speaker 2: What other solutions have we got there?

605
00:27:29,040 --> 00:27:30,840
Speaker 1: I would really love if you guys could do a

606
00:27:30,840 --> 00:27:33,880
Speaker 1: little bit more research into your favorite brands, double check

607
00:27:33,920 --> 00:27:37,919
Speaker 1: their practices match your values and your ethics. There's a

608
00:27:37,960 --> 00:27:40,520
Speaker 1: really good online resource Georgia, which you actually told me

609
00:27:40,520 --> 00:27:42,360
Speaker 1: about when I said I wanted to do this episode

610
00:27:42,720 --> 00:27:46,239
Speaker 1: called the Ethical Fashion Guide, which I absolutely love, and

611
00:27:46,280 --> 00:27:50,080
Speaker 1: it grades fashion brands based on their practices, so you

612
00:27:50,080 --> 00:27:52,359
Speaker 1: can like type in whoever you want to look up

613
00:27:52,640 --> 00:27:54,879
Speaker 1: and it'll pop up with a grading that is measured

614
00:27:54,960 --> 00:27:57,240
Speaker 1: via the efforts undertaken by the company. I'm going to

615
00:27:57,320 --> 00:28:01,239
Speaker 1: read this verbatim verbatim because I can't really, you know,

616
00:28:01,359 --> 00:28:04,960
Speaker 1: paraphrase this properly, but it says to mitigate the risks

617
00:28:04,960 --> 00:28:08,240
Speaker 1: of forced labor, child labor, and worker exploitation in their

618
00:28:08,320 --> 00:28:11,199
Speaker 1: supply chains, as well as protect the environment from the

619
00:28:11,200 --> 00:28:14,200
Speaker 1: harmful impacts of the fashion industry. Higher grades are given

620
00:28:14,240 --> 00:28:17,880
Speaker 1: to companies with ethical sourcing systems that, if implemented well,

621
00:28:18,040 --> 00:28:21,840
Speaker 1: should reduce the extent of worker exploitation and environmental harm.

622
00:28:22,040 --> 00:28:23,480
Speaker 1: Do you please praise me for getting through?

623
00:28:23,600 --> 00:28:24,639
Speaker 2: Yeah, well done, thank you.

624
00:28:25,160 --> 00:28:27,480
Speaker 1: But that to me is really awesome for us to

625
00:28:27,560 --> 00:28:29,919
Speaker 1: just be more educated as consumers, Like where does our

626
00:28:29,920 --> 00:28:32,960
Speaker 1: stuff actually come from? Like the impact of cotton in

627
00:28:33,000 --> 00:28:35,480
Speaker 1: the entire world is insane. Like, you know, you had

628
00:28:35,480 --> 00:28:38,080
Speaker 1: some really great stats before about how much goes to

629
00:28:38,160 --> 00:28:40,760
Speaker 1: landfill and the fact that every ten minutes so much

630
00:28:40,840 --> 00:28:41,480
Speaker 1: is thrown out.

631
00:28:41,720 --> 00:28:43,560
Speaker 2: What was my I have a start. Sorry, on the

632
00:28:43,600 --> 00:28:47,600
Speaker 2: cotton train. It takes two seven hundred liters of water,

633
00:28:47,720 --> 00:28:50,040
Speaker 2: which is the equivalent of three years worth for a

634
00:28:50,080 --> 00:28:53,520
Speaker 2: person to drink to create a cotton tation. Oh my god,

635
00:28:53,960 --> 00:28:55,000
Speaker 2: how weird is that?

636
00:28:55,160 --> 00:28:58,160
Speaker 1: It feels so wasteful? Like I don't agree with that

637
00:28:58,280 --> 00:29:00,680
Speaker 1: at all, but like that just kind of is what

638
00:29:00,840 --> 00:29:03,160
Speaker 1: it is. But the way that we can impact that

639
00:29:03,360 --> 00:29:06,480
Speaker 1: is actually by purposing our dollar. Like Georgia, I've said

640
00:29:06,520 --> 00:29:08,800
Speaker 1: this before on the podcast, but like our money has

641
00:29:08,880 --> 00:29:12,560
Speaker 1: power and we can channel our power. And I maybe

642
00:29:12,600 --> 00:29:14,240
Speaker 1: it's a little bit hippie of me, but I see

643
00:29:14,280 --> 00:29:16,560
Speaker 1: money as energy and we get to choose where that

644
00:29:16,720 --> 00:29:19,160
Speaker 1: energy flows. So like, if we get to choose where

645
00:29:19,160 --> 00:29:21,800
Speaker 1: our money is going, we are choosing to invest in

646
00:29:21,880 --> 00:29:24,480
Speaker 1: something like that. Yeah, and now I'm not saying that

647
00:29:24,760 --> 00:29:27,080
Speaker 1: you know that means we all can't buy from kmout

648
00:29:27,160 --> 00:29:29,680
Speaker 1: or don't buy from Target, or don't buy from places

649
00:29:29,880 --> 00:29:32,600
Speaker 1: that have mass production, but like, do you actually need

650
00:29:32,640 --> 00:29:34,880
Speaker 1: to buy five singlets because they're so cheap or do

651
00:29:34,880 --> 00:29:37,120
Speaker 1: you just need one that you'll look after? So I

652
00:29:37,160 --> 00:29:39,520
Speaker 1: think that we can just be more conscious with our

653
00:29:39,600 --> 00:29:43,440
Speaker 1: spending and maybe jump up and down less at sales

654
00:29:43,480 --> 00:29:45,280
Speaker 1: because we're looking for a bargain.

655
00:29:45,400 --> 00:29:46,840
Speaker 2: Well, it's like a marketing tool, isn't it.

656
00:29:46,960 --> 00:29:48,840
Speaker 1: Yeah, I mean, and they've put a lot of money

657
00:29:48,840 --> 00:29:51,200
Speaker 1: into that, right, Like there is literally a science which

658
00:29:51,240 --> 00:29:54,920
Speaker 1: is the science of consumerism, and people are paid millions

659
00:29:54,960 --> 00:29:57,400
Speaker 1: of dollars a year to make us buy more. So

660
00:29:57,440 --> 00:29:59,840
Speaker 1: I think we need to be aware that that exists.

661
00:30:00,160 --> 00:30:03,920
Speaker 1: Marketing is a legitimate study, Like people have degrees in

662
00:30:03,960 --> 00:30:07,000
Speaker 1: this purely so that they can sell more stuff to

663
00:30:07,040 --> 00:30:09,000
Speaker 1: more people. So I think we need to be kind

664
00:30:09,040 --> 00:30:11,120
Speaker 1: of aware of what's going on so that we can

665
00:30:11,200 --> 00:30:12,560
Speaker 1: just make more conscious decisions.

666
00:30:13,880 --> 00:30:16,520
Speaker 2: Another good one is, of course, shopping in op shops.

667
00:30:16,600 --> 00:30:19,480
Speaker 1: I do love a good op shop Georgia, albeit it

668
00:30:20,160 --> 00:30:22,320
Speaker 1: I'm going to go against the grain for a second

669
00:30:22,360 --> 00:30:24,800
Speaker 1: and say that, like, op shops are really fun, and

670
00:30:24,960 --> 00:30:27,960
Speaker 1: our friend Emma over at The Broke Generation does an

671
00:30:28,000 --> 00:30:30,760
Speaker 1: incredible job of op shopping. In fact, if you check

672
00:30:30,760 --> 00:30:33,719
Speaker 1: out her story highlights, you'll see that she has like

673
00:30:34,200 --> 00:30:37,600
Speaker 1: entire series rating different op shops and like her ventures cool.

674
00:30:38,200 --> 00:30:40,840
Speaker 1: But I just don't have the time to trawl through

675
00:30:41,040 --> 00:30:41,640
Speaker 1: op shops.

676
00:30:41,720 --> 00:30:43,000
Speaker 2: It's very time consuming.

677
00:30:43,120 --> 00:30:45,680
Speaker 1: I just don't know. But I am a massive fan

678
00:30:45,800 --> 00:30:49,000
Speaker 1: and a big, big, big advocate of buying secondhand, so

679
00:30:49,040 --> 00:30:51,520
Speaker 1: you'll find me online. I buy things on eBay. I

680
00:30:51,520 --> 00:30:54,640
Speaker 1: buy things on Facebook Marketplace. I'm in a Facebook group

681
00:30:54,680 --> 00:30:57,320
Speaker 1: called high End where I can purchase a little bit

682
00:30:57,320 --> 00:31:01,800
Speaker 1: more bougie items that are one discounted, but two secondhand.

683
00:31:02,160 --> 00:31:04,200
Speaker 1: So I think that, you know, it's a really great

684
00:31:04,200 --> 00:31:06,640
Speaker 1: thing to do if you've got time for op shops, literally,

685
00:31:06,680 --> 00:31:09,200
Speaker 1: please tag us and show us what you are purchasing,

686
00:31:09,480 --> 00:31:11,719
Speaker 1: because I love it. I just personally do not have

687
00:31:11,840 --> 00:31:14,600
Speaker 1: the time. So my way of I guess, op shopping

688
00:31:14,760 --> 00:31:17,840
Speaker 1: or shopping secondhand is being able to look up specific

689
00:31:17,920 --> 00:31:21,560
Speaker 1: items online. So for me, that works really well. Georgia,

690
00:31:21,640 --> 00:31:23,360
Speaker 1: I know you're pretty good at knop shop though.

691
00:31:23,560 --> 00:31:25,800
Speaker 2: I love a op shop. Yeah, I've got a lot

692
00:31:25,840 --> 00:31:28,440
Speaker 2: of time right now as well, let's be honest.

693
00:31:28,760 --> 00:31:29,840
Speaker 1: I love that though.

694
00:31:30,040 --> 00:31:32,360
Speaker 2: Yeah, you always find some witness I love that though.

695
00:31:32,360 --> 00:31:34,360
Speaker 1: If you got any suggestions you'd like to add to

696
00:31:34,360 --> 00:31:36,640
Speaker 1: the mix while we're having this discussion.

697
00:31:36,160 --> 00:31:38,600
Speaker 2: Yes, Another one that comes to mind for me is

698
00:31:38,680 --> 00:31:41,400
Speaker 2: clothes swapping. Oh yeah, so like getting together with your

699
00:31:41,440 --> 00:31:45,160
Speaker 2: girlfriends or your boyfriends or whatever, friends or bringing clothes

700
00:31:45,160 --> 00:31:46,920
Speaker 2: that you no longer want and just having a little swap.

701
00:31:47,000 --> 00:31:47,440
Speaker 2: I love that.

702
00:31:47,680 --> 00:31:50,640
Speaker 1: Yeah, my friend's clothes are much cooler than so I

703
00:31:50,680 --> 00:31:53,920
Speaker 1: would really like to shop their wardrobes. Yeah, I'll give

704
00:31:53,920 --> 00:31:55,840
Speaker 1: you my clothes that are in the corner of my study.

705
00:31:56,000 --> 00:31:56,840
Speaker 1: You can do a trade.

706
00:31:56,960 --> 00:31:58,640
Speaker 2: Yeah, but we could do a little close stopping.

707
00:31:58,760 --> 00:32:01,800
Speaker 1: We are totally not on the same page fashion. You

708
00:32:01,840 --> 00:32:02,840
Speaker 1: are way cooler than me.

709
00:32:03,640 --> 00:32:05,080
Speaker 2: Really, Yeah, it's my style.

710
00:32:05,400 --> 00:32:08,280
Speaker 1: Your style is cool minus pencil skirts and corporate out

711
00:32:08,480 --> 00:32:11,240
Speaker 1: your business man. Oh, thank you? Do you know what?

712
00:32:11,280 --> 00:32:13,920
Speaker 1: I'll take this? Thank you for the compliments. Let's end

713
00:32:13,920 --> 00:32:16,400
Speaker 1: it there before we realize that I just buy stuff

714
00:32:16,440 --> 00:32:18,400
Speaker 1: because it makes me look corporate.

715
00:32:18,160 --> 00:32:21,320
Speaker 2: Quickly to wrap it up. Markets are another great way

716
00:32:21,360 --> 00:32:24,800
Speaker 2: to shop sustainably, waiting before making a purchase.

717
00:32:24,920 --> 00:32:26,959
Speaker 1: Okay, Yeah, we talked about that last season.

718
00:32:27,080 --> 00:32:27,280
Speaker 2: Yeah.

719
00:32:27,320 --> 00:32:31,000
Speaker 1: I think that everybody should be putting twenty four hours

720
00:32:31,040 --> 00:32:32,160
Speaker 1: between them and their spending.

721
00:32:32,240 --> 00:32:32,320
Speaker 4: Ye.

722
00:32:32,440 --> 00:32:36,080
Speaker 1: What's the psychology pine? Because we want instant gratification, Like

723
00:32:36,120 --> 00:32:40,200
Speaker 1: we are absolute slaves to instant gratification. Like there are

724
00:32:40,200 --> 00:32:42,160
Speaker 1: so many studies on this, and I think it's actually

725
00:32:42,160 --> 00:32:47,880
Speaker 1: really interesting, Like we suck as a human race delayed gratification,

726
00:32:48,240 --> 00:32:51,200
Speaker 1: and that is the ability to discipline ourselves to delay

727
00:32:51,240 --> 00:32:54,440
Speaker 1: gratification in the short term in order to enjoy bigger

728
00:32:54,480 --> 00:32:58,160
Speaker 1: and better rewards in the longer term. And it's actually

729
00:32:58,320 --> 00:33:01,360
Speaker 1: just like the indispensable bree cause it for success. So

730
00:33:01,440 --> 00:33:04,240
Speaker 1: I think it's really important that we do not make

731
00:33:04,280 --> 00:33:07,239
Speaker 1: split second decisions. We actually go all right, well, if

732
00:33:07,280 --> 00:33:09,920
Speaker 1: I really need it, I'm gonna be happy to purchase

733
00:33:09,920 --> 00:33:12,920
Speaker 1: it tomorrow. And I think that it's really important to

734
00:33:12,960 --> 00:33:16,120
Speaker 1: put twenty four hours between you and you're spending because

735
00:33:16,160 --> 00:33:20,560
Speaker 1: sometimes even though we think we are rational humans, we aren't.

736
00:33:20,800 --> 00:33:22,680
Speaker 1: And I do this to myself all the time, like

737
00:33:22,760 --> 00:33:25,680
Speaker 1: I will give myself every reason why I need to

738
00:33:25,720 --> 00:33:27,840
Speaker 1: purchase that new pair of shoes. Yeah, oh, it'll go

739
00:33:27,880 --> 00:33:30,000
Speaker 1: with all my outfits, it'll do this, it'll do that,

740
00:33:30,120 --> 00:33:33,440
Speaker 1: like I'll feel really good, and then twenty four hours later,

741
00:33:33,480 --> 00:33:35,920
Speaker 1: I'm like, look, they're beautiful shoes. Do I need them not?

742
00:33:36,080 --> 00:33:36,160
Speaker 4: Ye?

743
00:33:36,400 --> 00:33:38,480
Speaker 1: So I think it's more about just put twenty four

744
00:33:38,480 --> 00:33:41,720
Speaker 1: hours between you and you're spending. And we spoke about

745
00:33:41,720 --> 00:33:44,240
Speaker 1: this on the after Pay episode in season one. If

746
00:33:44,240 --> 00:33:46,479
Speaker 1: you guys haven't listened to it, definitely go back and

747
00:33:46,520 --> 00:33:48,400
Speaker 1: have a listen to that because it was a really

748
00:33:48,440 --> 00:33:52,280
Speaker 1: great episode just on you know, how we actually spend

749
00:33:52,320 --> 00:33:55,360
Speaker 1: our money, especially on things like buy Now pay latest

750
00:33:55,360 --> 00:33:57,880
Speaker 1: schemes like they allow us to purchase things in the

751
00:33:57,960 --> 00:34:01,760
Speaker 1: here and now without actually feeling the pain of sacrificing

752
00:34:01,800 --> 00:34:04,400
Speaker 1: our money. So I think it's really important to just,

753
00:34:04,520 --> 00:34:07,320
Speaker 1: you know, put some time between our spending and ourselves.

754
00:34:07,440 --> 00:34:09,520
Speaker 1: And I know that that can be hard, but the

755
00:34:09,600 --> 00:34:11,680
Speaker 1: longer the better. If you can put a day, a week,

756
00:34:11,719 --> 00:34:14,480
Speaker 1: a month, even a year between buying something that is

757
00:34:14,520 --> 00:34:17,880
Speaker 1: really important, you are going to make better financial decisions

758
00:34:17,880 --> 00:34:19,000
Speaker 1: for yourself in the long run.

759
00:34:19,080 --> 00:34:20,640
Speaker 2: Yeah. And then when it comes around it has been

760
00:34:20,640 --> 00:34:22,840
Speaker 2: a month and you've waited and you still really want it, then.

761
00:34:22,760 --> 00:34:24,080
Speaker 1: Like trill, you deserve that.

762
00:34:24,239 --> 00:34:27,479
Speaker 2: Yeah, yeah, love that. Okay, So now it is time

763
00:34:27,520 --> 00:34:29,920
Speaker 2: for the community to have their say. I'm sure you

764
00:34:29,960 --> 00:34:32,160
Speaker 2: guys have heaps of ethical brands that have come to

765
00:34:32,200 --> 00:34:35,640
Speaker 2: mind ways that you save when it comes to shopping sustainably.

766
00:34:35,800 --> 00:34:37,879
Speaker 2: So we're going to start a thread and we would

767
00:34:37,960 --> 00:34:39,920
Speaker 2: love you to share any ideas, tips or tricks that

768
00:34:39,920 --> 00:34:40,200
Speaker 2: you have.

769
00:34:40,400 --> 00:34:42,359
Speaker 1: Yes, I love that. I can't wait to read.

770
00:34:46,200 --> 00:34:48,960
Speaker 2: Hi. There, it's been a while. You've reached the Shoes

771
00:34:49,040 --> 00:34:51,400
Speaker 2: on the Money mailbox. Do you have a money problem

772
00:34:51,440 --> 00:34:53,879
Speaker 2: you want help solving? To have a money dilemma you

773
00:34:53,960 --> 00:34:56,560
Speaker 2: just want to chat about. Victoria is here to help.

774
00:34:56,920 --> 00:34:59,160
Speaker 2: Every week, we'll be playing your questions to help make

775
00:34:59,239 --> 00:35:01,160
Speaker 2: sense of a money mess you may have found yourself in.

776
00:35:01,560 --> 00:35:03,400
Speaker 2: Make a quick recording on your phone and send it

777
00:35:03,440 --> 00:35:06,640
Speaker 2: through to podcast at shoesodthmoney dot com dot U, and

778
00:35:06,719 --> 00:35:09,120
Speaker 2: you might even find yourself on the show. But for now,

779
00:35:09,200 --> 00:35:10,479
Speaker 2: here's today's listener question.

780
00:35:11,320 --> 00:35:13,879
Speaker 4: Hey guys, a bit of a money confession in question here.

781
00:35:14,560 --> 00:35:17,319
Speaker 4: I think I'm addicted to shopping. It feels like the

782
00:35:17,360 --> 00:35:19,279
Speaker 4: pleasure I get from having a new bag, or a

783
00:35:19,320 --> 00:35:21,600
Speaker 4: new pair of shoes, or whatever it may be, is

784
00:35:21,640 --> 00:35:24,160
Speaker 4: one of the main things keeping me entertained at the moment.

785
00:35:24,760 --> 00:35:27,160
Speaker 4: I also just tend to shop online whenever I am bored,

786
00:35:27,239 --> 00:35:30,560
Speaker 4: and it's really impacting my savings, which until now I

787
00:35:30,600 --> 00:35:34,080
Speaker 4: have been working so hard to create. So I'm just

788
00:35:34,160 --> 00:35:35,960
Speaker 4: wondering if you have any tips on how I can

789
00:35:36,000 --> 00:35:39,160
Speaker 4: break this addiction once and for all. Thanks so much, guys.

790
00:35:39,760 --> 00:35:41,560
Speaker 2: What tips and tricks have you got? Victoria?

791
00:35:41,719 --> 00:35:43,840
Speaker 1: Oh my gosh, this is such a hard one, especially

792
00:35:43,920 --> 00:35:46,239
Speaker 1: at this period of time. I think that all of

793
00:35:46,320 --> 00:35:49,279
Speaker 1: us are a little bit guilty of shopping online.

794
00:35:49,560 --> 00:35:51,480
Speaker 2: Yes, there's not been a lot else to do.

795
00:35:51,719 --> 00:35:54,560
Speaker 1: Yeah, look, no there hasn't. But I think that I'm

796
00:35:54,600 --> 00:35:56,400
Speaker 1: just going to jump right into this one and be

797
00:35:56,560 --> 00:36:00,560
Speaker 1: a little bit brutal. Often when we have a shop addiction,

798
00:36:00,920 --> 00:36:04,440
Speaker 1: we are covering up something else that we feel is

799
00:36:04,520 --> 00:36:07,360
Speaker 1: lacking from our lives. So I think it's important to

800
00:36:07,440 --> 00:36:10,000
Speaker 1: sit down and actually have a look at our lives

801
00:36:10,040 --> 00:36:13,120
Speaker 1: as a holistic picture. Goble, what's going on? What are

802
00:36:13,120 --> 00:36:13,720
Speaker 1: my goals?

803
00:36:13,920 --> 00:36:14,040
Speaker 2: Like?

804
00:36:14,080 --> 00:36:16,799
Speaker 1: It is so easy to shop when you don't have

805
00:36:16,840 --> 00:36:17,560
Speaker 1: bigger goals in.

806
00:36:17,640 --> 00:36:19,480
Speaker 2: Play, because it's that gratification that we do.

807
00:36:19,640 --> 00:36:23,040
Speaker 1: Exactly, You're just going for instant gratification. Shopping, let's be honest,

808
00:36:23,200 --> 00:36:25,799
Speaker 1: makes us feel really good. Who doesn't love a new

809
00:36:25,840 --> 00:36:28,600
Speaker 1: pair of shoes or a new bikini or you know,

810
00:36:28,640 --> 00:36:31,520
Speaker 1: whatever we are purchasing. So I think it's really important

811
00:36:31,520 --> 00:36:34,719
Speaker 1: to just maybe have a think about why we are

812
00:36:34,719 --> 00:36:38,920
Speaker 1: shopping and what that actually is a repercussion of I

813
00:36:38,960 --> 00:36:41,560
Speaker 1: know a lot of people because I have been having

814
00:36:41,560 --> 00:36:46,240
Speaker 1: these conversations very recently us spending a lot online shopping.

815
00:36:46,600 --> 00:36:50,120
Speaker 1: You'll see the stats for retail haven't dipped. Like retail

816
00:36:50,320 --> 00:36:53,040
Speaker 1: is absolutely booming at the moment because we're all at

817
00:36:53,120 --> 00:36:56,200
Speaker 1: home shopping online. But a lot of us are doing

818
00:36:56,280 --> 00:36:58,239
Speaker 1: that because it makes us feel good and it makes

819
00:36:58,280 --> 00:37:00,279
Speaker 1: us feel in control at a time when we don't

820
00:37:00,280 --> 00:37:02,520
Speaker 1: really feel like we're in control at all. So I

821
00:37:02,520 --> 00:37:04,279
Speaker 1: think it's worthy of having a look at why we

822
00:37:04,320 --> 00:37:07,280
Speaker 1: are doing that and potentially finding a habit or finding

823
00:37:07,320 --> 00:37:10,800
Speaker 1: a hobby that you can replace that activity with. Because

824
00:37:11,000 --> 00:37:14,160
Speaker 1: often if we are shopping online as well, what is it?

825
00:37:14,160 --> 00:37:16,440
Speaker 1: It's a time wasting activity. Yeah, like we jump on

826
00:37:16,480 --> 00:37:18,600
Speaker 1: a sauce like I'm good at it. I've got the

827
00:37:18,600 --> 00:37:21,720
Speaker 1: Netaporte app on my phone and I just like forever

828
00:37:21,800 --> 00:37:24,440
Speaker 1: scroll like I never buy it's too expensive, But I

829
00:37:24,520 --> 00:37:28,000
Speaker 1: spent so long looking at their shoes and filtering by

830
00:37:28,280 --> 00:37:30,640
Speaker 1: like size, and just you know, wasting a little bit

831
00:37:30,640 --> 00:37:33,480
Speaker 1: of time doing something that isn't that constructive on that

832
00:37:33,719 --> 00:37:34,319
Speaker 1: v I reckon.

833
00:37:34,360 --> 00:37:36,680
Speaker 2: A good tip as well would just be to delete

834
00:37:36,680 --> 00:37:39,319
Speaker 2: those apps. Get rid of asouce, get rid of Netaporte.

835
00:37:39,400 --> 00:37:41,279
Speaker 2: As you say, I thought it was netaporter, So a

836
00:37:41,320 --> 00:37:43,799
Speaker 2: little bit of a bogan over here, but keet rid

837
00:37:43,840 --> 00:37:44,160
Speaker 2: of those.

838
00:37:44,239 --> 00:37:45,759
Speaker 1: We both grew up on the PINSUA.

839
00:37:46,600 --> 00:37:49,800
Speaker 2: Also another app to delete is Instagram from your phone.

840
00:37:49,960 --> 00:37:52,560
Speaker 2: I miss for a little period during the last three

841
00:37:52,560 --> 00:37:54,319
Speaker 2: months just because I was getting sick of it, and

842
00:37:54,360 --> 00:37:57,080
Speaker 2: I found that I just wanted stuff less because influencers

843
00:37:57,120 --> 00:37:59,600
Speaker 2: weren't selling me stuff. I just wasn't tempted by all

844
00:37:59,640 --> 00:38:02,480
Speaker 2: the big There's so much targeted advertising that you don't

845
00:38:02,480 --> 00:38:05,600
Speaker 2: even really understand is happening to you. So just getting

846
00:38:05,680 --> 00:38:06,840
Speaker 2: rid of that, I think is.

847
00:38:06,840 --> 00:38:10,879
Speaker 1: A huge plus one has detox. Yeah, exactly, Actually pick

848
00:38:10,960 --> 00:38:13,600
Speaker 1: up your phone and remove those apps and just remove

849
00:38:13,640 --> 00:38:14,200
Speaker 1: them for a week.

850
00:38:14,360 --> 00:38:14,520
Speaker 3: Yep.

851
00:38:14,640 --> 00:38:18,960
Speaker 1: Like, honestly disconnecting ourselves from socials is sometimes really good. Yeah,

852
00:38:18,960 --> 00:38:20,920
Speaker 1: And I know I probably, let's be honest, yourge I

853
00:38:20,960 --> 00:38:23,759
Speaker 1: probably shouldn't be say delete Instagram what at the same

854
00:38:23,800 --> 00:38:25,959
Speaker 1: time as I'm going to say, yeah, just keep cheese

855
00:38:25,960 --> 00:38:29,160
Speaker 1: on the money, Honestly, Sometimes regardless of the fact that

856
00:38:29,239 --> 00:38:30,800
Speaker 1: you know you're going to miss out on some stuff,

857
00:38:30,840 --> 00:38:33,240
Speaker 1: Like we all need to be really comfortable with missing

858
00:38:33,239 --> 00:38:36,080
Speaker 1: out on things because it is actually a really good learning,

859
00:38:36,400 --> 00:38:39,360
Speaker 1: Like we can't have everything all at once. And I

860
00:38:39,400 --> 00:38:43,560
Speaker 1: think that sometimes social media is a really overwhelming place

861
00:38:43,640 --> 00:38:46,000
Speaker 1: to be and I've done that a number of times

862
00:38:46,000 --> 00:38:48,080
Speaker 1: as well. Like obviously it's a little bit different for

863
00:38:48,200 --> 00:38:50,040
Speaker 1: us because we've got a business that we need to

864
00:38:50,239 --> 00:38:52,560
Speaker 1: check in and make sure our community is comfortable and

865
00:38:52,600 --> 00:38:55,920
Speaker 1: happy and safe. But I have removed my personal profile

866
00:38:55,960 --> 00:38:58,680
Speaker 1: and number of times through my phone because I just

867
00:38:58,760 --> 00:39:01,280
Speaker 1: don't want to spend my time I'm scrolling through stuff

868
00:39:01,280 --> 00:39:03,960
Speaker 1: that makes me feel bad about myself. Another feature I

869
00:39:04,000 --> 00:39:06,400
Speaker 1: love on Instagram while we're on that conversation, Georgia, is

870
00:39:06,440 --> 00:39:10,600
Speaker 1: the mute feature, Okay, And you can actually mute brands

871
00:39:10,680 --> 00:39:14,120
Speaker 1: without unfollowing them so that their posts don't come up

872
00:39:14,200 --> 00:39:16,960
Speaker 1: on your feed, and you can actually hide them so

873
00:39:17,000 --> 00:39:18,680
Speaker 1: that they're not in your face all the time, but

874
00:39:18,719 --> 00:39:21,279
Speaker 1: you don't have to unfollow them because maybe one time

875
00:39:21,320 --> 00:39:23,000
Speaker 1: you want to go, like look in what you're following

876
00:39:23,040 --> 00:39:25,279
Speaker 1: to find something that you wanted ages ago. So I

877
00:39:25,280 --> 00:39:27,880
Speaker 1: think it's really important to just be really sensible about

878
00:39:27,880 --> 00:39:31,040
Speaker 1: our social media usage because sometimes they're impacting our mental

879
00:39:31,040 --> 00:39:33,719
Speaker 1: health in a way that we hadn't actually thought about

880
00:39:33,719 --> 00:39:36,239
Speaker 1: it than we and way more than we thought it was.

881
00:39:36,360 --> 00:39:40,040
Speaker 1: So let's jump back into wrapping this question up. I

882
00:39:40,080 --> 00:39:42,000
Speaker 1: think a shopping addiction at the end of the day

883
00:39:42,360 --> 00:39:45,160
Speaker 1: is a marker of a bigger issue at play, and

884
00:39:45,280 --> 00:39:47,719
Speaker 1: we need to be kind to ourselves, but also do

885
00:39:47,800 --> 00:39:50,240
Speaker 1: a little bit of reflecting and work out maybe why

886
00:39:50,320 --> 00:39:53,040
Speaker 1: we are feeling the need to do this, and have

887
00:39:53,080 --> 00:39:55,399
Speaker 1: a look for some hobbies also activities that you can

888
00:39:55,440 --> 00:39:58,600
Speaker 1: do that will replace that activity. Break with that, so

889
00:39:58,840 --> 00:40:01,120
Speaker 1: just break the habit. Think it's really important to be

890
00:40:01,160 --> 00:40:03,480
Speaker 1: in a position where we are actually back in control.

891
00:40:03,560 --> 00:40:06,680
Speaker 1: So sit down, write down your goals, write down your values,

892
00:40:06,760 --> 00:40:09,240
Speaker 1: have a think about what you're trying to achieve. Because

893
00:40:09,280 --> 00:40:12,040
Speaker 1: often if we're working towards a bigger financial goal, it's

894
00:40:12,080 --> 00:40:16,879
Speaker 1: easier to sacrifice those short term goals, or those shopping addictions,

895
00:40:17,080 --> 00:40:20,000
Speaker 1: or those small purchases because you know how much it

896
00:40:20,040 --> 00:40:21,200
Speaker 1: could add up in a long term.

897
00:40:21,280 --> 00:40:28,360
Speaker 2: Yeah, when I understand, all right, I got this girl. Okay,

898
00:40:28,480 --> 00:40:30,480
Speaker 2: now for the fun stuff. What good would a money

899
00:40:30,480 --> 00:40:33,480
Speaker 2: podcast be without the perby bits. It's time for money, Darry.

900
00:40:33,800 --> 00:40:36,880
Speaker 3: I'm calling myself final financial hurdle because I turn my

901
00:40:36,960 --> 00:40:40,160
Speaker 3: finances around, but there's one final thing I need help with.

902
00:40:40,520 --> 00:40:43,160
Speaker 3: Two years ago, my relationship with money was not good.

903
00:40:43,239 --> 00:40:45,920
Speaker 3: I was thinking about it a lot, stressed about it

904
00:40:45,960 --> 00:40:48,440
Speaker 3: a lot. It actually made me pretty emotional if people

905
00:40:48,480 --> 00:40:51,160
Speaker 3: ask me about it. So I kind of knew I

906
00:40:51,200 --> 00:40:54,120
Speaker 3: needed to put a plan in place and yeah, get

907
00:40:54,120 --> 00:40:55,480
Speaker 3: on top of it, because I didn't want it to

908
00:40:55,560 --> 00:40:57,640
Speaker 3: distract me from the important stuff.

909
00:40:57,920 --> 00:40:59,080
Speaker 1: I think the biggest.

910
00:40:58,719 --> 00:41:02,480
Speaker 3: Problem was I wasn't aware of my money, if that

911
00:41:02,520 --> 00:41:04,800
Speaker 3: makes sense. I'm thinking about the bills and the stress,

912
00:41:05,200 --> 00:41:07,520
Speaker 3: but I wasn't like, cool, let's look at what I've

913
00:41:07,520 --> 00:41:10,719
Speaker 3: got coming in, what I'm earning, what I'm paying bills for,

914
00:41:11,239 --> 00:41:13,719
Speaker 3: and then kind of working out what, if any, I

915
00:41:13,760 --> 00:41:16,880
Speaker 3: can put away. I guess the turning point was I

916
00:41:16,920 --> 00:41:19,960
Speaker 3: split up with my ex partner. Some arguments we had

917
00:41:20,000 --> 00:41:22,920
Speaker 3: had had been about money, and I guess I really

918
00:41:23,600 --> 00:41:26,960
Speaker 3: just wanted to know that I could feel like financially independent,

919
00:41:27,400 --> 00:41:29,400
Speaker 3: not rely on somebody else, you know, whether I was

920
00:41:29,400 --> 00:41:31,880
Speaker 3: in a relationship or not. Wanted to have that for

921
00:41:31,960 --> 00:41:34,960
Speaker 3: myself and myself only. Yeah, and I also didn't want to,

922
00:41:35,480 --> 00:41:38,480
Speaker 3: I guess, complicate any future relationships I have with people

923
00:41:39,080 --> 00:41:41,319
Speaker 3: with money, Like, if I can do that myself and

924
00:41:41,360 --> 00:41:44,799
Speaker 3: that doesn't have to factor into a relationship, that's that

925
00:41:44,800 --> 00:41:47,839
Speaker 3: would be great. I earned fifty thousand dollars a year

926
00:41:47,920 --> 00:41:50,319
Speaker 3: doing an office job when I broke up with my

927
00:41:50,360 --> 00:41:53,120
Speaker 3: partner two years ago. I had about two hundred dollars

928
00:41:53,120 --> 00:41:56,600
Speaker 3: in savings, but now I'm on track to have saved

929
00:41:56,719 --> 00:41:59,360
Speaker 3: twenty thousand by the end of the year. I'd say,

930
00:41:59,520 --> 00:42:02,279
Speaker 3: like the best habit that I've gotten into is just

931
00:42:02,360 --> 00:42:05,920
Speaker 3: doing a budget, like just not making it complicated, but

932
00:42:06,160 --> 00:42:09,279
Speaker 3: just being aware of what I've got coming up that

933
00:42:09,360 --> 00:42:11,239
Speaker 3: I need to pay for what I've got coming in.

934
00:42:12,040 --> 00:42:14,080
Speaker 3: You know, if there's extra pay coming in, what I

935
00:42:14,120 --> 00:42:16,160
Speaker 3: can do with that money to make the most of it.

936
00:42:16,360 --> 00:42:18,759
Speaker 3: So the reason I'm on the podcast is I need

937
00:42:18,800 --> 00:42:20,759
Speaker 3: help for Victoria. I'm doing a lot better than I

938
00:42:20,880 --> 00:42:23,800
Speaker 3: was a couple of years ago, got my finances on track.

939
00:42:24,080 --> 00:42:27,720
Speaker 3: There's just one thing that I haven't quite got under control.

940
00:42:28,320 --> 00:42:31,320
Speaker 3: I haven't actually done a tax return in about five years.

941
00:42:31,560 --> 00:42:33,200
Speaker 3: To be honest, I don't know why I haven't done

942
00:42:33,200 --> 00:42:35,720
Speaker 3: it in five years, not on purpose and not thinking

943
00:42:35,719 --> 00:42:36,680
Speaker 3: that I would go five.

944
00:42:36,600 --> 00:42:37,600
Speaker 2: Years without doing it.

945
00:42:37,719 --> 00:42:42,480
Speaker 3: Probably a combination of I found it too overwhelming and complicated,

946
00:42:42,640 --> 00:42:45,400
Speaker 3: especially because as part of my employment I have some shares,

947
00:42:45,840 --> 00:42:49,080
Speaker 3: and also previously I'd had money to pay back from

948
00:42:49,160 --> 00:42:52,120
Speaker 3: previous tax returns. So probably the combination of the two

949
00:42:52,440 --> 00:42:54,640
Speaker 3: kind of overwhelmed me a bit and one year turned

950
00:42:54,680 --> 00:42:58,600
Speaker 3: into two years turned into three year. In my mind,

951
00:42:58,640 --> 00:43:02,960
Speaker 3: the best case scenario is money back from the tax office,

952
00:43:02,960 --> 00:43:06,360
Speaker 3: which is great. Worst case scenario, I'm on the run

953
00:43:06,880 --> 00:43:10,200
Speaker 3: from the law because I haven't paid enough tax and

954
00:43:10,280 --> 00:43:14,080
Speaker 3: I don't really need that right now. Two years ago,

955
00:43:14,200 --> 00:43:17,920
Speaker 3: i'd probably give myself an F and now i'd probably

956
00:43:18,000 --> 00:43:22,560
Speaker 3: give myself a B plus maybe an A plus. When

957
00:43:22,560 --> 00:43:25,719
Speaker 3: my taxes are done, I'm final financial hurdle and I

958
00:43:25,800 --> 00:43:27,920
Speaker 3: need Victoria to help me stay out of jail.

959
00:43:27,960 --> 00:43:30,200
Speaker 1: What do you think about that one, Victoria, I thought

960
00:43:30,200 --> 00:43:32,799
Speaker 1: that was a really interesting one. Actually, a lot of

961
00:43:32,880 --> 00:43:35,680
Speaker 1: elements to it, Yes, But I also thought it was

962
00:43:35,680 --> 00:43:39,000
Speaker 1: really interesting because she's so concerned about not having done

963
00:43:39,000 --> 00:43:39,520
Speaker 1: her tax.

964
00:43:39,600 --> 00:43:41,239
Speaker 2: What's the goal with that? Is she going to go

965
00:43:41,280 --> 00:43:41,680
Speaker 2: to jail?

966
00:43:41,840 --> 00:43:44,239
Speaker 1: Straight out? No, she's not going to go to jail,

967
00:43:44,320 --> 00:43:46,759
Speaker 1: thank god. But I think it's really important to do

968
00:43:46,840 --> 00:43:49,279
Speaker 1: your tax every year. But if you are in the

969
00:43:49,320 --> 00:43:51,400
Speaker 1: same position, and I have met a number of you

970
00:43:51,480 --> 00:43:54,120
Speaker 1: from our community who haven't done your tax in a

971
00:43:54,160 --> 00:43:56,640
Speaker 1: few years, just get on top of it. It is

972
00:43:56,680 --> 00:43:58,879
Speaker 1: not the worst thing. At the end of the day.

973
00:43:59,400 --> 00:44:02,160
Speaker 1: The ads like they know that you haven't launched it

974
00:44:02,239 --> 00:44:05,040
Speaker 1: they absolutely can come forward and ask you to do it.

975
00:44:05,280 --> 00:44:07,040
Speaker 1: But if you haven't done it, get in contact with

976
00:44:07,120 --> 00:44:09,120
Speaker 1: your accountant or find a really good one who can

977
00:44:09,160 --> 00:44:11,480
Speaker 1: help you out and they can wrap it up for you.

978
00:44:11,600 --> 00:44:14,480
Speaker 1: I promise you it will not be as scary as

979
00:44:14,520 --> 00:44:15,359
Speaker 1: what you think it is.

980
00:44:15,400 --> 00:44:15,920
Speaker 2: Just get it over.

981
00:44:16,080 --> 00:44:18,719
Speaker 1: Just get it over and done with accountants to actual

982
00:44:18,840 --> 00:44:20,799
Speaker 1: legends who will be able to clean that up for

983
00:44:20,840 --> 00:44:22,879
Speaker 1: you and let you know exactly what the deal is.

984
00:44:23,160 --> 00:44:26,279
Speaker 1: And if you're a salary and wage earning employee, like,

985
00:44:26,360 --> 00:44:29,440
Speaker 1: it's very likely that you're not going to owe massive

986
00:44:29,480 --> 00:44:32,040
Speaker 1: amounts of money to the ATO unless you're you know,

987
00:44:32,120 --> 00:44:35,120
Speaker 1: a sole trader who's been, you know, generating heaps of

988
00:44:35,400 --> 00:44:38,239
Speaker 1: taxable income and you haven't paid tax on it. So

989
00:44:38,280 --> 00:44:40,560
Speaker 1: I think it's really important to kind of just get

990
00:44:40,560 --> 00:44:43,840
Speaker 1: it done, swallow the pill, like, make the call, because

991
00:44:43,920 --> 00:44:45,960
Speaker 1: at the end of the day, you could hear that

992
00:44:46,000 --> 00:44:48,800
Speaker 1: she was quite stressed about that, and it's not something

993
00:44:48,800 --> 00:44:51,440
Speaker 1: that you should be stressed about. And sleeping well at

994
00:44:51,520 --> 00:44:54,239
Speaker 1: night is really important. Yes, So I think that you

995
00:44:54,280 --> 00:44:56,960
Speaker 1: can help yourself sleep really well at night just by

996
00:44:56,960 --> 00:44:59,400
Speaker 1: calling your accountant if you're in that position. Yeah, like

997
00:44:59,719 --> 00:45:02,439
Speaker 1: one wants to be in a position where we start

998
00:45:02,480 --> 00:45:05,400
Speaker 1: talking about tax or money and you get that like

999
00:45:05,640 --> 00:45:09,240
Speaker 1: lump in the back of your throat. But in saying that, yes,

1000
00:45:09,280 --> 00:45:12,640
Speaker 1: she needs to get her skates on and go and

1001
00:45:12,640 --> 00:45:14,920
Speaker 1: talk to an accountant and get those tax returns wrapped up.

1002
00:45:15,480 --> 00:45:19,600
Speaker 1: But can we can we also celebrate the fact that

1003
00:45:19,640 --> 00:45:23,040
Speaker 1: she has, you know, nearly twenty thousand dollars in savings

1004
00:45:23,280 --> 00:45:25,680
Speaker 1: and she had one hundred dollars to her name a

1005
00:45:25,680 --> 00:45:28,600
Speaker 1: couple of weeks. Yeah, weeks ago. I wish imagine if

1006
00:45:28,600 --> 00:45:30,359
Speaker 1: she could save twenty thousand dollars in a couple of weeks,

1007
00:45:30,719 --> 00:45:33,759
Speaker 1: that's victoria. But she had one hundred dollars to her

1008
00:45:33,840 --> 00:45:36,400
Speaker 1: name when she came out of her relationship, and now

1009
00:45:36,440 --> 00:45:38,960
Speaker 1: she has nearly twenty thousand dollars in the bank. That

1010
00:45:39,120 --> 00:45:43,160
Speaker 1: is absolutely worthy interpretation, men, woman. But also look how

1011
00:45:43,239 --> 00:45:45,440
Speaker 1: much power she has. Exactly imagine if she can keep

1012
00:45:45,440 --> 00:45:47,600
Speaker 1: those habits up for life. My god, she's gonna be

1013
00:45:47,600 --> 00:45:50,960
Speaker 1: filthy rich. She's going to be wealthy Georgia and have

1014
00:45:51,040 --> 00:45:56,000
Speaker 1: financial freedom. Georgia. I say, in a really condescending tone

1015
00:45:56,000 --> 00:45:57,480
Speaker 1: that is absolutely not warranted.

1016
00:45:57,600 --> 00:45:58,120
Speaker 2: I'll take it.

1017
00:45:58,239 --> 00:45:59,200
Speaker 1: Yeah, thank you, did.

1018
00:45:59,160 --> 00:46:01,000
Speaker 2: You what did you think of her grade?

1019
00:46:01,400 --> 00:46:05,399
Speaker 1: I thought it was interesting. I think that she's absolutely

1020
00:46:05,440 --> 00:46:08,520
Speaker 1: worthy of, you know, in a plus. But I also

1021
00:46:08,640 --> 00:46:11,879
Speaker 1: never want to argue with people's grades of themselves, because

1022
00:46:11,920 --> 00:46:14,840
Speaker 1: I genuinely think that people grade themselves less than a

1023
00:46:14,960 --> 00:46:17,640
Speaker 1: plus when they genuinely know they've got room to grow.

1024
00:46:17,960 --> 00:46:20,000
Speaker 1: And I think that it's really beautiful to know that

1025
00:46:20,040 --> 00:46:22,160
Speaker 1: she's got, you know, things that she still wants to

1026
00:46:22,200 --> 00:46:25,279
Speaker 1: achieve that in her eyes, you know, will make her

1027
00:46:25,320 --> 00:46:29,040
Speaker 1: more financially Ditriit will make her more financially stable and secure,

1028
00:46:29,080 --> 00:46:31,560
Speaker 1: and I think that that's a really good thing. As

1029
00:46:31,560 --> 00:46:33,520
Speaker 1: you know, I'm never going to argue with someone's grade

1030
00:46:33,600 --> 00:46:37,919
Speaker 1: unless they're grossly underestimating themselves. But I think that she's

1031
00:46:37,960 --> 00:46:40,000
Speaker 1: on the right track. She's doing the right thing. Like,

1032
00:46:40,040 --> 00:46:42,279
Speaker 1: she's definitely on the money. That whoa, I did not.

1033
00:46:42,280 --> 00:46:44,560
Speaker 2: Mean to say, did you not mean?

1034
00:46:45,760 --> 00:46:48,360
Speaker 1: Did not mean to say that? That's slightly embarrassing, But

1035
00:46:48,440 --> 00:46:50,719
Speaker 1: I genuinely think she's on the right track, and I

1036
00:46:50,719 --> 00:46:52,280
Speaker 1: think that she's doing amazing.

1037
00:46:52,719 --> 00:46:54,719
Speaker 2: So she's on the money, and she does want to

1038
00:46:54,719 --> 00:46:55,400
Speaker 2: do a taxation.

1039
00:46:55,520 --> 00:46:57,799
Speaker 1: Yeah, let's make sure that never happens again.

1040
00:47:00,200 --> 00:47:03,120
Speaker 2: All we have time for today sadly, but before we

1041
00:47:03,200 --> 00:47:06,120
Speaker 2: head off, let's quickly wrap the boring but important stuff.

1042
00:47:06,160 --> 00:47:08,320
Speaker 2: The advice shared on Shees on the Money is general

1043
00:47:08,360 --> 00:47:12,160
Speaker 2: in nature and does not consider your individual circumstances. She's

1044
00:47:12,200 --> 00:47:15,320
Speaker 2: on the Money exists purely for educational purposes and should

1045
00:47:15,400 --> 00:47:17,840
Speaker 2: not be relied upon to make an investment or financial

1046
00:47:17,880 --> 00:47:21,279
Speaker 2: decision and stress less, we promise. Victoria Devine is an

1047
00:47:21,320 --> 00:47:26,560
Speaker 2: authorized representative of Australia Pacific Funds Management Proprietary Limited ABN

1048
00:47:26,680 --> 00:47:29,480
Speaker 2: three four one three two four six three two five

1049
00:47:29,560 --> 00:47:33,040
Speaker 2: seven AFSL three three nine one five one. And of

1050
00:47:33,080 --> 00:47:35,839
Speaker 2: course thank you to Ryan John for whipping today's chat

1051
00:47:35,920 --> 00:47:37,439
Speaker 2: into the podcast that you guys love.

1052
00:47:37,880 --> 00:47:40,800
Speaker 1: We would also before I just like we would love Georgia.

1053
00:47:40,920 --> 00:47:43,800
Speaker 1: You whipped out that ADN and a FORSL so smooth

1054
00:47:43,960 --> 00:47:46,120
Speaker 1: started a little bit. Yeah look you back contract.

1055
00:47:46,360 --> 00:47:47,200
Speaker 2: It's the first one.

1056
00:47:47,040 --> 00:47:50,160
Speaker 1: Back, yeah, first one back. Congratulations All right, guys, we

1057
00:47:50,200 --> 00:47:53,000
Speaker 1: would love it if you joined our Facebook group where

1058
00:47:53,000 --> 00:47:56,759
Speaker 1: our community shares money, tips and tricks every single day

1059
00:47:56,800 --> 00:47:59,880
Speaker 1: free of judgment. Georgia, there are more than eighty thousand

1060
00:48:00,080 --> 00:48:03,319
Speaker 1: people in that she is ridiculous, even I am.

1061
00:48:03,360 --> 00:48:05,400
Speaker 2: You created a monster a beautiful.

1062
00:48:05,480 --> 00:48:09,600
Speaker 1: Search search She's on the Money on Facebook and join us.

1063
00:48:09,719 --> 00:48:11,440
Speaker 1: If Facebook's not your thing, or you want us on

1064
00:48:11,520 --> 00:48:14,440
Speaker 1: multiple social media platforms, you can find us on Instagram

1065
00:48:14,480 --> 00:48:17,160
Speaker 1: where at She's on the Money a us. It's good

1066
00:48:17,160 --> 00:48:19,160
Speaker 1: to be back, guys, It is so good to be back.

1067
00:48:19,320 --> 00:48:20,840
Speaker 1: We will see you next week.