1
00:00:00,200 --> 00:00:19,480
Speaker 1: She's on the Money. She's on the Money.

2
00:00:22,960 --> 00:00:26,000
Speaker 2: Hello, and welcome to She's on the Money, the podcast

3
00:00:26,079 --> 00:00:29,639
Speaker 2: for millennials who want financial freedom. Being a student is

4
00:00:29,680 --> 00:00:32,960
Speaker 2: a tough slog, whether you're in high school, at tape

5
00:00:33,080 --> 00:00:36,280
Speaker 2: or at Uni. Juggling study, work and a social life

6
00:00:36,360 --> 00:00:39,519
Speaker 2: is not an easy thing. So how on earth do

7
00:00:39,560 --> 00:00:42,400
Speaker 2: we get ahead financially when we've got so much on

8
00:00:43,120 --> 00:00:46,519
Speaker 2: My name is Georgia King. I don't started there a

9
00:00:46,520 --> 00:00:49,239
Speaker 2: little bit, and joining me today to talk through some

10
00:00:49,320 --> 00:00:53,040
Speaker 2: money saving hacks for students is financial advisor and ex

11
00:00:53,159 --> 00:00:55,840
Speaker 2: student herself, Victoria Divine.

12
00:00:56,440 --> 00:00:59,120
Speaker 3: The how I explain myself often I am an ex student.

13
00:00:59,200 --> 00:01:01,800
Speaker 3: Yell oh, I'm an ex footballer, and I'll be like, well,

14
00:01:01,840 --> 00:01:04,120
Speaker 3: I'm an ex student. Love that.

15
00:01:04,160 --> 00:01:06,320
Speaker 4: It's the only only way to introduce yourself.

16
00:01:07,000 --> 00:01:09,759
Speaker 2: But let's start this chat off with a little combo

17
00:01:09,800 --> 00:01:12,199
Speaker 2: about how you were with money at university.

18
00:01:12,400 --> 00:01:14,800
Speaker 3: Let's just throw me straight under the bush. I thought

19
00:01:14,840 --> 00:01:15,720
Speaker 3: it would be a great.

20
00:01:15,520 --> 00:01:16,320
Speaker 4: Place to start.

21
00:01:16,440 --> 00:01:17,360
Speaker 3: I love that for us.

22
00:01:17,400 --> 00:01:20,440
Speaker 2: What were you like at uniter? Your finance was juggling

23
00:01:20,480 --> 00:01:20,880
Speaker 2: the whole thing.

24
00:01:20,880 --> 00:01:24,320
Speaker 3: Terrible, absolutely terrible. I think I was like, let's give

25
00:01:24,319 --> 00:01:28,720
Speaker 3: me some credit. I was really good at balancing working

26
00:01:28,880 --> 00:01:32,480
Speaker 3: and UNI at the same time, mainly because I didn't

27
00:01:32,520 --> 00:01:35,120
Speaker 3: have a very good social life, yeah, which is fine,

28
00:01:35,360 --> 00:01:38,440
Speaker 3: and for me, who's pretty introverted, I was pretty happy

29
00:01:38,440 --> 00:01:41,160
Speaker 3: to study. Like I adore study. I said on a

30
00:01:41,160 --> 00:01:45,200
Speaker 3: recent podcast that there's every probability that I'll probably study

31
00:01:45,240 --> 00:01:48,680
Speaker 3: again at some point in my life, hopefully soon. Like anyway,

32
00:01:48,720 --> 00:01:50,680
Speaker 3: we'll get to that. You've got so much free time.

33
00:01:51,160 --> 00:01:53,400
Speaker 3: I have no free time, And you guys would genuinely

34
00:01:53,440 --> 00:01:55,160
Speaker 3: try and kill me if I said I was going

35
00:01:55,200 --> 00:01:57,200
Speaker 3: back to UNI at this point. But it's a dream

36
00:01:57,240 --> 00:01:58,920
Speaker 3: of mine, and to be honest, it's one of those

37
00:01:58,920 --> 00:02:01,040
Speaker 3: things that I get a lot of joy out of

38
00:02:01,120 --> 00:02:04,560
Speaker 3: learning and having structured learning, Like I don't know, it's

39
00:02:04,600 --> 00:02:07,880
Speaker 3: so nerdy anyway. But I was terrible with money at UNI.

40
00:02:08,080 --> 00:02:10,760
Speaker 3: That is where I ended up in personal debt. That

41
00:02:10,880 --> 00:02:13,280
Speaker 3: is where I made a number of bad decisions. I

42
00:02:13,360 --> 00:02:16,680
Speaker 3: was probably working thirty eight forty hours a week easy

43
00:02:16,800 --> 00:02:20,120
Speaker 3: on top of full time study really and had nothing

44
00:02:20,160 --> 00:02:22,560
Speaker 3: to show for it. Nothing. So if we want to

45
00:02:22,560 --> 00:02:25,320
Speaker 3: talk about my workload, I was doing full time UNI,

46
00:02:25,400 --> 00:02:28,240
Speaker 3: which I think was close to four days like full

47
00:02:28,280 --> 00:02:31,840
Speaker 3: time in quotation marks I was then working three nights

48
00:02:31,840 --> 00:02:34,799
Speaker 3: in hospitality, so I'd do it a Thursday night shift,

49
00:02:34,800 --> 00:02:38,000
Speaker 3: a Friday night shift, and then a Saturday night shift,

50
00:02:38,360 --> 00:02:42,040
Speaker 3: and then sometimes depending on my workload, I would have

51
00:02:42,120 --> 00:02:45,000
Speaker 3: like a Sunday afternoon shift, but like that would depend

52
00:02:45,120 --> 00:02:47,480
Speaker 3: on one whether I could get it or not. On two,

53
00:02:47,600 --> 00:02:49,920
Speaker 3: if I was working in the shoe shop, and then

54
00:02:50,240 --> 00:02:54,040
Speaker 3: I was working in retail during the day on Friday,

55
00:02:54,080 --> 00:02:57,280
Speaker 3: Saturday and Sunday, So I would do a ten am

56
00:02:57,360 --> 00:02:59,960
Speaker 3: till six pm on a Friday. Then I would do

57
00:03:00,240 --> 00:03:02,640
Speaker 3: a ten am to six pm on a Saturday, and

58
00:03:02,680 --> 00:03:05,120
Speaker 3: then if I was lucky, I get the Sunday shift

59
00:03:05,160 --> 00:03:08,120
Speaker 3: of eleven till five on a Sunday, and then I

60
00:03:08,120 --> 00:03:10,960
Speaker 3: would go back to UNI Monday to Thursday again. So

61
00:03:11,080 --> 00:03:13,680
Speaker 3: I was working and studying a lot, but at the

62
00:03:13,720 --> 00:03:17,000
Speaker 3: time I just wasn't good at money management. I was

63
00:03:17,040 --> 00:03:20,400
Speaker 3: probably earning like I probably wasn't earning heaps and heaps.

64
00:03:20,440 --> 00:03:23,359
Speaker 3: I was probably earning like the equivalent between those two

65
00:03:23,440 --> 00:03:26,519
Speaker 3: jobs of maybe like forty or fifty thousand dollars a year,

66
00:03:26,520 --> 00:03:28,720
Speaker 3: depending on the year and what I was doing, but

67
00:03:28,800 --> 00:03:31,280
Speaker 3: I genuinely had nothing to show for it. So that

68
00:03:31,400 --> 00:03:34,440
Speaker 3: was happening all through my undergraduate and my honors year,

69
00:03:34,520 --> 00:03:36,840
Speaker 3: and that was honestly, it was hard to maintain, and

70
00:03:36,880 --> 00:03:39,240
Speaker 3: I didn't realize how much I was burning myself out.

71
00:03:39,400 --> 00:03:43,800
Speaker 3: I wasn't in any significant personal debt yet, but I

72
00:03:43,880 --> 00:03:46,480
Speaker 3: went into personal debt when I decided to study abroad

73
00:03:46,520 --> 00:03:48,400
Speaker 3: and I just didn't have enough savings to be able

74
00:03:48,400 --> 00:03:49,720
Speaker 3: to do that, so I had to take out a

75
00:03:49,720 --> 00:03:52,920
Speaker 3: personal loan, and then obviously it kind of spiraled from there.

76
00:03:53,760 --> 00:03:56,320
Speaker 3: But in saying that, I think even if you told

77
00:03:56,320 --> 00:03:58,000
Speaker 3: me to be better at money when I was at UNI,

78
00:03:58,040 --> 00:04:01,280
Speaker 3: I probably wouldn't have listened. So it's kind of like

79
00:04:01,320 --> 00:04:03,320
Speaker 3: catch twenty two do I wish I'd done it better,

80
00:04:03,640 --> 00:04:05,520
Speaker 3: like in a way kind of, But also I think

81
00:04:05,600 --> 00:04:08,080
Speaker 3: it really helped me understand my own money story now.

82
00:04:08,120 --> 00:04:10,400
Speaker 3: And obviously it's gotten me to hear to be able

83
00:04:10,440 --> 00:04:13,800
Speaker 3: to really understand people's personal debt journeys and what's happening

84
00:04:13,840 --> 00:04:16,800
Speaker 3: because I've been in that situation where money has made

85
00:04:16,800 --> 00:04:19,480
Speaker 3: me physically sick. I've been in that situation where I

86
00:04:19,520 --> 00:04:21,880
Speaker 3: haven't been able to sleep because I didn't know how

87
00:04:21,920 --> 00:04:24,200
Speaker 3: I was going to pay next month's debt repayment like,

88
00:04:24,520 --> 00:04:26,520
Speaker 3: I'm not someone who's up on a pedestal that goes

89
00:04:26,560 --> 00:04:29,240
Speaker 3: don't go into debt. I've never been in it, but

90
00:04:29,279 --> 00:04:31,960
Speaker 3: it just sounds terrible. Yeah, I've been there, I've been

91
00:04:31,960 --> 00:04:33,880
Speaker 3: in the trenches. I've gotten out of it, and now

92
00:04:33,920 --> 00:04:36,039
Speaker 3: I want to gift to you guys the tools and

93
00:04:36,080 --> 00:04:38,760
Speaker 3: resources to not go through that, because it's really stressful

94
00:04:38,760 --> 00:04:41,200
Speaker 3: and it's really isolating, and to be honest, it just

95
00:04:41,240 --> 00:04:42,120
Speaker 3: feels terrible.

96
00:04:43,120 --> 00:04:46,479
Speaker 2: D It's such a hard time being at union, isn't

97
00:04:46,480 --> 00:04:50,479
Speaker 2: it compared to I don't know, the high school kind

98
00:04:50,480 --> 00:04:52,520
Speaker 2: of bubble and then you're out in the real world

99
00:04:52,600 --> 00:04:54,640
Speaker 2: and you have so much to think about, Like you've

100
00:04:54,640 --> 00:04:57,960
Speaker 2: got your studies, sure, but then you know if you're renting,

101
00:04:58,000 --> 00:04:59,760
Speaker 2: how you're going to pay for that and all your bills.

102
00:04:59,800 --> 00:05:02,440
Speaker 2: Like life just becomes a whole lot more real as

103
00:05:02,440 --> 00:05:04,960
Speaker 2: soon as you're out. And that's not just if you're studying.

104
00:05:05,040 --> 00:05:09,120
Speaker 2: That's I guess life after high school anywhere, I say

105
00:05:09,360 --> 00:05:10,920
Speaker 2: for that, Yeah, no.

106
00:05:10,920 --> 00:05:14,600
Speaker 3: One prepares you for the difference between high school and university.

107
00:05:14,640 --> 00:05:17,520
Speaker 3: And I thought university would be similar to high school.

108
00:05:17,520 --> 00:05:19,400
Speaker 3: You know, you were enrolling your classes and then you

109
00:05:19,480 --> 00:05:21,840
Speaker 3: turn up and the teacher tells you everything you need

110
00:05:21,880 --> 00:05:24,880
Speaker 3: to know, but it's actually university is very self guided

111
00:05:25,080 --> 00:05:27,640
Speaker 3: and very much like cool. So your lectures are here,

112
00:05:27,720 --> 00:05:30,640
Speaker 3: turn up like, oh, okay, do I have assignments? Yep,

113
00:05:30,760 --> 00:05:33,919
Speaker 3: like you were told about them in the course outline. Yeah, okay,

114
00:05:34,040 --> 00:05:34,640
Speaker 3: no problems.

115
00:05:34,680 --> 00:05:37,000
Speaker 2: And also like where we don't market on attendance, come

116
00:05:37,120 --> 00:05:39,120
Speaker 2: or don't come. That's such a weird thing to wrap

117
00:05:39,160 --> 00:05:39,760
Speaker 2: your head around.

118
00:05:40,320 --> 00:05:42,400
Speaker 3: But also if you don't come, you're not going to

119
00:05:42,400 --> 00:05:45,560
Speaker 3: do well, so good luck. Yeah. Yeah, it's so weird.

120
00:05:45,680 --> 00:05:47,040
Speaker 3: You don't even have to put your hand up to

121
00:05:47,040 --> 00:05:47,760
Speaker 3: go to the bathroom.

122
00:05:47,839 --> 00:05:50,960
Speaker 2: Weird, But I can imagine it would be exactly the

123
00:05:51,000 --> 00:05:54,560
Speaker 2: same with TAFE, like having that complete independence that you

124
00:05:54,600 --> 00:05:57,000
Speaker 2: didn't have before, like it's a huge step, or if

125
00:05:57,080 --> 00:05:59,600
Speaker 2: you're just going straight into work, like it's a whole

126
00:06:00,000 --> 00:06:01,280
Speaker 2: different ballgame.

127
00:06:01,320 --> 00:06:03,480
Speaker 4: But we are talking about starting today.

128
00:06:03,640 --> 00:06:05,720
Speaker 3: How about we give some tips though, instead of talking

129
00:06:05,760 --> 00:06:09,000
Speaker 3: about how Victoria when he was younger definitely wasn't good

130
00:06:09,040 --> 00:06:09,240
Speaker 3: at it.

131
00:06:09,400 --> 00:06:11,640
Speaker 2: Let's get into it. So our first tip is to

132
00:06:11,720 --> 00:06:14,320
Speaker 2: start budgeting now and not later.

133
00:06:14,720 --> 00:06:17,840
Speaker 3: Yes, through it. Okay, So first tip is that because

134
00:06:18,000 --> 00:06:20,480
Speaker 3: so many people just say but I'll do it when

135
00:06:20,520 --> 00:06:24,560
Speaker 3: I start earning real money. No, you're earning real money now.

136
00:06:24,680 --> 00:06:27,560
Speaker 3: You have a real job right now. You might have

137
00:06:27,600 --> 00:06:30,960
Speaker 3: a career later, but you definitely have a job right now,

138
00:06:31,240 --> 00:06:33,760
Speaker 3: and you're definitely earning money. And we actually need to

139
00:06:33,760 --> 00:06:36,440
Speaker 3: set ourselves up with the right principles and habits now

140
00:06:36,640 --> 00:06:38,919
Speaker 3: so that when our income increases, we don't have to

141
00:06:39,000 --> 00:06:42,000
Speaker 3: change the way we live our lives. We just go okay, cool,

142
00:06:42,080 --> 00:06:43,880
Speaker 3: Now I'm earning a lot more money, Yeah, things are

143
00:06:43,960 --> 00:06:47,320
Speaker 3: a lot more comfortable. But I already have great budgeting habits.

144
00:06:47,360 --> 00:06:49,160
Speaker 3: I already have this spreadsheet. I'll just plug it all

145
00:06:49,200 --> 00:06:51,600
Speaker 3: in there. I'll just do this or I'll just do that. Like,

146
00:06:51,680 --> 00:06:54,599
Speaker 3: we are going to set good money habits right now,

147
00:06:55,200 --> 00:06:57,800
Speaker 3: even if you're not able to save as much as

148
00:06:57,800 --> 00:07:00,560
Speaker 3: you'd like to, Because in my mind, even if you

149
00:07:00,560 --> 00:07:03,640
Speaker 3: can only save ten dollars a week, cool, save ten

150
00:07:03,720 --> 00:07:07,400
Speaker 3: dollars a week. You're not just saving ten dollars, right

151
00:07:07,560 --> 00:07:10,360
Speaker 3: It's not actually about the balance of your savings account.

152
00:07:10,440 --> 00:07:13,200
Speaker 3: It's actually about the habit you've formed for yourself. It's

153
00:07:13,240 --> 00:07:18,000
Speaker 3: about prioritizing yourself and future you, and prioritizing future you

154
00:07:18,040 --> 00:07:21,200
Speaker 3: doesn't mean that future you gets this epic savings account later.

155
00:07:21,480 --> 00:07:24,440
Speaker 3: It's actually that future you knows later. I already have

156
00:07:24,520 --> 00:07:27,600
Speaker 3: a savings account. I have been consistently contributing to it.

157
00:07:27,760 --> 00:07:30,320
Speaker 3: I'm so grateful that now I have a full time career,

158
00:07:30,840 --> 00:07:34,120
Speaker 3: I'm contributing to it weekly. Now I'm doing one hundred dollars.

159
00:07:34,840 --> 00:07:37,920
Speaker 3: It's really powerful to start small. And you know I've

160
00:07:37,960 --> 00:07:40,160
Speaker 3: said in a million times on the podcast, but from

161
00:07:40,240 --> 00:07:42,920
Speaker 3: little things, big things really do grow. And the little

162
00:07:42,960 --> 00:07:46,280
Speaker 3: steps are what's going to make the big steps so easy.

163
00:07:47,080 --> 00:07:49,960
Speaker 2: The other thing on that vie is if you delay

164
00:07:50,400 --> 00:07:53,040
Speaker 2: budgeting and sorting out your money now, Like, who's to

165
00:07:53,040 --> 00:07:55,560
Speaker 2: say when you get that grad job, once you finish

166
00:07:55,680 --> 00:07:58,840
Speaker 2: your course and you're on you know, fifty k, maybe

167
00:07:58,840 --> 00:08:00,440
Speaker 2: you'll just be like, oh, well it's not enough. I'll

168
00:08:00,440 --> 00:08:02,280
Speaker 2: just do it when I'm on eighty k, when I

169
00:08:02,280 --> 00:08:04,800
Speaker 2: get that big promotion of thirty grand, which would be amazing.

170
00:08:05,200 --> 00:08:08,120
Speaker 3: And it's not very nice, like full stop. You are

171
00:08:08,160 --> 00:08:11,480
Speaker 3: not being kind to yourself by doing it. Later, look

172
00:08:11,520 --> 00:08:14,960
Speaker 3: after yourself, look to you, be kind to yourself. One

173
00:08:15,000 --> 00:08:17,720
Speaker 3: of the best acts of self care is looking after

174
00:08:17,760 --> 00:08:20,200
Speaker 3: your finances and your budget because it is going to

175
00:08:20,240 --> 00:08:22,800
Speaker 3: help you mentally, it's going to help you physically, it's

176
00:08:22,880 --> 00:08:25,120
Speaker 3: going to help you in so many different ways. And

177
00:08:25,240 --> 00:08:27,880
Speaker 3: even if you're you know, a lot of people message

178
00:08:27,880 --> 00:08:30,280
Speaker 3: me and they save victory. I'm so embarrassed I can't save.

179
00:08:30,840 --> 00:08:32,800
Speaker 3: It's like, why can't you save? Talk to me about that?

180
00:08:32,920 --> 00:08:35,360
Speaker 3: Is it because you genuinely, like, are not good at

181
00:08:35,360 --> 00:08:38,240
Speaker 3: budgeting and you should technically because of the income you

182
00:08:38,280 --> 00:08:41,880
Speaker 3: have be saving, you know, one hundred dollars a week. No, no,

183
00:08:41,960 --> 00:08:44,800
Speaker 3: I just don't have a good income. I'm studying. What

184
00:08:44,920 --> 00:08:47,360
Speaker 3: that doesn't make you bad at saving. That means that

185
00:08:47,400 --> 00:08:51,600
Speaker 3: you're prioritizing to you by studying right now. That means

186
00:08:51,640 --> 00:08:53,960
Speaker 3: that you're putting fud to you first. Like, you're not

187
00:08:54,000 --> 00:08:56,880
Speaker 3: bad at saving, my friend, you just don't have an income.

188
00:08:57,120 --> 00:09:00,000
Speaker 3: You could be great at saving. Like I meet people

189
00:09:00,000 --> 00:09:02,880
Speaker 3: people who have incomes of four hundred thousand dollars a year.

190
00:09:03,200 --> 00:09:06,800
Speaker 3: Often they're bad at saving because I genuinely know that

191
00:09:06,840 --> 00:09:08,600
Speaker 3: they blow it all. But then if I met a

192
00:09:08,640 --> 00:09:11,280
Speaker 3: UNI student that was like KYV, Like, I can't really

193
00:09:11,360 --> 00:09:13,040
Speaker 3: save at the moment, but I still just put five

194
00:09:13,080 --> 00:09:15,920
Speaker 3: bucks in my savings every week. You're better than those

195
00:09:15,960 --> 00:09:19,680
Speaker 3: people at saving Like, stop comparing yourself to what you

196
00:09:19,720 --> 00:09:22,720
Speaker 3: think you should be doing, and more around the habits

197
00:09:22,760 --> 00:09:25,240
Speaker 3: that you've formed and the way that you treat yourself

198
00:09:25,280 --> 00:09:27,640
Speaker 3: that is so much more important than the balance of

199
00:09:27,720 --> 00:09:29,320
Speaker 3: your accounts at this point in your life.

200
00:09:29,360 --> 00:09:31,760
Speaker 2: One hundred percent, and be very careful about the stories

201
00:09:31,760 --> 00:09:35,680
Speaker 2: that you tell yourself. Right exactly, Okay. Our next tip

202
00:09:35,679 --> 00:09:38,560
Speaker 2: here is to make the most of student discounts at all.

203
00:09:38,640 --> 00:09:40,440
Speaker 4: Sessions, which there are many.

204
00:09:41,040 --> 00:09:43,720
Speaker 3: I miss my student card. I miss being able to

205
00:09:43,720 --> 00:09:46,080
Speaker 3: whip it out at the movies. I miss being able

206
00:09:46,120 --> 00:09:49,560
Speaker 3: to get discount my keys, Like what is this? Maybe

207
00:09:49,559 --> 00:09:51,600
Speaker 3: that's why I'm going back to study. Then I'll have

208
00:09:51,640 --> 00:09:53,640
Speaker 3: a student card technique. I don't think that when you

209
00:09:53,679 --> 00:09:55,760
Speaker 3: do postgraduate you're allowed to student.

210
00:09:55,400 --> 00:09:58,880
Speaker 2: Card as someone currently doing her masters. I don't think

211
00:09:58,960 --> 00:09:59,320
Speaker 2: you do.

212
00:09:59,559 --> 00:10:02,520
Speaker 4: But also I haven't really checked. Well, what's the point.

213
00:10:03,000 --> 00:10:05,520
Speaker 3: What's the point, Georgia King? Are you saying you're a

214
00:10:05,559 --> 00:10:07,959
Speaker 3: student right now and you're not making the most of

215
00:10:08,040 --> 00:10:10,000
Speaker 3: your student discount session card?

216
00:10:10,640 --> 00:10:11,520
Speaker 4: I'm learning today.

217
00:10:11,520 --> 00:10:14,040
Speaker 2: That's why I'm listening to the pod, going to pick

218
00:10:14,120 --> 00:10:15,920
Speaker 2: up some tips right the way.

219
00:10:15,880 --> 00:10:18,040
Speaker 3: You really should be better than this by now, Georgia,

220
00:10:18,120 --> 00:10:21,200
Speaker 3: K I love you dearly. But your student card is

221
00:10:21,240 --> 00:10:23,840
Speaker 3: like it's like a power flex. How often do you

222
00:10:23,840 --> 00:10:26,200
Speaker 3: have like a twenty percent off coupon just in your

223
00:10:26,200 --> 00:10:27,720
Speaker 3: wallet for everything all the time?

224
00:10:27,800 --> 00:10:30,520
Speaker 2: It is handy, exactly all right, I'll check after this

225
00:10:30,559 --> 00:10:30,960
Speaker 2: if I do.

226
00:10:31,240 --> 00:10:31,480
Speaker 3: OK.

227
00:10:31,960 --> 00:10:34,240
Speaker 2: But it extends to like so many things you've got

228
00:10:34,240 --> 00:10:39,120
Speaker 2: your Mikey fashion retailers. Is that UNI Day's website, all

229
00:10:39,160 --> 00:10:39,800
Speaker 2: of them? Right?

230
00:10:40,400 --> 00:10:42,840
Speaker 3: Unie Days is great? You sign up for it again?

231
00:10:43,040 --> 00:10:45,440
Speaker 3: Not sponsored? Isn't it weird that we've gotten to this

232
00:10:45,440 --> 00:10:47,600
Speaker 3: point where we have to tell people it's sponsored, Like,

233
00:10:47,800 --> 00:10:50,599
Speaker 3: I'm so proud of us, George. But UNI Days is

234
00:10:50,640 --> 00:10:53,160
Speaker 3: a website that is dedicated to student discounts, and if

235
00:10:53,160 --> 00:10:55,800
Speaker 3: you haven't already, you need to check it out, sign up,

236
00:10:55,920 --> 00:10:57,360
Speaker 3: and then you can apply it to things like I

237
00:10:57,400 --> 00:10:59,240
Speaker 3: know you get a discount on like a sauce, and

238
00:10:59,280 --> 00:11:01,200
Speaker 3: I'm pretty sure you get one on the iconic. It's

239
00:11:01,240 --> 00:11:03,040
Speaker 3: just it's money win for all my friends.

240
00:11:03,080 --> 00:11:06,160
Speaker 2: Stunning and always like ask if you're if you are

241
00:11:06,200 --> 00:11:09,760
Speaker 2: buying something that is significant like a laptop or a

242
00:11:09,800 --> 00:11:12,720
Speaker 2: phone or you know, I can't think of anything else,

243
00:11:12,960 --> 00:11:14,920
Speaker 2: but but seriously.

244
00:11:14,600 --> 00:11:18,600
Speaker 3: They usually have student discounts and small flex I maybe

245
00:11:18,640 --> 00:11:22,320
Speaker 3: I'm outing myself here. Your phone provider will often have

246
00:11:22,360 --> 00:11:24,720
Speaker 3: a student discount as well. So if you're a student

247
00:11:24,960 --> 00:11:27,360
Speaker 3: and you don't have a student discount on your phone

248
00:11:27,360 --> 00:11:29,600
Speaker 3: plan right now, call them up and ask for it.

249
00:11:29,640 --> 00:11:32,080
Speaker 3: Because I had someone at it to mine when I

250
00:11:32,160 --> 00:11:35,440
Speaker 3: was in UNI and it's still on my account.

251
00:11:36,000 --> 00:11:37,960
Speaker 4: Stop I get off.

252
00:11:37,920 --> 00:11:41,000
Speaker 2: Every month, get out of town money win. Luckily no

253
00:11:41,000 --> 00:11:43,480
Speaker 2: one listens to this podcast, so you'll never get found out.

254
00:11:43,559 --> 00:11:44,960
Speaker 3: Please don't call me phone.

255
00:11:47,360 --> 00:11:49,120
Speaker 4: Okay, So that is a hot tip there.

256
00:11:49,320 --> 00:11:52,240
Speaker 2: Our next one is to consider a side hustle to

257
00:11:52,320 --> 00:11:54,200
Speaker 2: make so much extra coin on the pit.

258
00:11:54,280 --> 00:11:56,160
Speaker 3: We know that's a hard one though, right, Like we

259
00:11:56,240 --> 00:11:57,760
Speaker 3: know you're already pressed for time.

260
00:11:57,800 --> 00:11:59,800
Speaker 4: Yeah, so don't put pressure on so exactly.

261
00:12:00,080 --> 00:12:02,760
Speaker 3: I think people put too much pressure on themselves to perform.

262
00:12:02,840 --> 00:12:05,640
Speaker 3: But a sidehuzzle, great ideag What ideas have you got

263
00:12:05,640 --> 00:12:06,080
Speaker 3: for the crew?

264
00:12:06,559 --> 00:12:11,640
Speaker 2: Okay, so perhaps this is this sounds funny, but like

265
00:12:11,679 --> 00:12:15,079
Speaker 2: if you're good at illustrating, you could you could maybe

266
00:12:15,120 --> 00:12:18,680
Speaker 2: monetize that you absolutely you could though, yeah you could.

267
00:12:19,160 --> 00:12:21,320
Speaker 2: You could sell them at a market. You could set

268
00:12:21,400 --> 00:12:23,400
Speaker 2: up set up like an Etsy page or like an

269
00:12:23,400 --> 00:12:27,440
Speaker 2: Instagram page. Flog your wears on there. But also simple

270
00:12:27,480 --> 00:12:30,360
Speaker 2: things like babysitting, nannying.

271
00:12:30,240 --> 00:12:31,240
Speaker 4: Dog dog talking.

272
00:12:31,559 --> 00:12:34,880
Speaker 3: Dog walking is a massive one. In fact, I recently

273
00:12:34,920 --> 00:12:36,840
Speaker 3: and it's still a thing all right. So I don't

274
00:12:36,840 --> 00:12:38,600
Speaker 3: know if people remember this, but do you remember when

275
00:12:38,600 --> 00:12:40,120
Speaker 3: you were at the supermarket with your mum when you

276
00:12:40,160 --> 00:12:42,760
Speaker 3: were like ten, and you'd be waiting at the checkouts

277
00:12:42,800 --> 00:12:45,600
Speaker 3: for her board or you would be in a mad

278
00:12:45,640 --> 00:12:47,680
Speaker 3: panic because she'd gone to get some extra biscuits and

279
00:12:47,720 --> 00:12:49,880
Speaker 3: you were worry about the checkout person would ask you

280
00:12:49,960 --> 00:12:51,880
Speaker 3: to pay, even though you were ten years old. That

281
00:12:52,040 --> 00:12:54,719
Speaker 3: is the most anxiety inducing situation you could put a

282
00:12:54,800 --> 00:12:57,800
Speaker 3: kid in anyway. I remember sitting at the end of

283
00:12:57,840 --> 00:13:00,640
Speaker 3: the checkout staring at that big pin board that had

284
00:13:00,880 --> 00:13:04,360
Speaker 3: people who were doing babysitting or dog walking. That's still

285
00:13:04,400 --> 00:13:06,880
Speaker 3: a thing in most supermarkets. Put up a little sign

286
00:13:07,120 --> 00:13:10,640
Speaker 3: so you'll do some dog walking. I think that's genius. Like,

287
00:13:10,880 --> 00:13:13,319
Speaker 3: if you have a few extra hours and you want

288
00:13:13,320 --> 00:13:16,080
Speaker 3: to start walking someone's dog, make up a little piece

289
00:13:16,120 --> 00:13:18,160
Speaker 3: of paper, chuck it on there. They'll rip off your

290
00:13:18,200 --> 00:13:18,640
Speaker 3: number and.

291
00:13:18,600 --> 00:13:19,559
Speaker 4: Go, hey, Georgia.

292
00:13:20,160 --> 00:13:22,400
Speaker 3: Yeah, I'd love you to walk my dog Lucy once

293
00:13:22,440 --> 00:13:25,240
Speaker 3: a week for twenty bucks. Good for your mental health,

294
00:13:25,600 --> 00:13:28,760
Speaker 3: good for your cash flow, good for the world, good

295
00:13:28,760 --> 00:13:30,160
Speaker 3: for that dog. Yeah.

296
00:13:30,200 --> 00:13:33,319
Speaker 2: Money win two birds one stone or like multiple birds

297
00:13:33,360 --> 00:13:34,080
Speaker 2: one stone. Yeah.

298
00:13:34,120 --> 00:13:35,960
Speaker 3: And I think that I think that there's a lot

299
00:13:36,000 --> 00:13:37,839
Speaker 3: of pressure at the moment when people are like, oh

300
00:13:37,840 --> 00:13:39,719
Speaker 3: my gosh, do you have a side hustle. I think

301
00:13:39,720 --> 00:13:41,600
Speaker 3: there's a lot of pressure being put on people to

302
00:13:41,800 --> 00:13:45,240
Speaker 3: be talented and like, oh my gosh, Georgia, wow, you

303
00:13:45,280 --> 00:13:47,920
Speaker 3: do this talent or you're an illustrator like I could

304
00:13:48,040 --> 00:13:50,840
Speaker 3: never like, if you would like a stick figure, please

305
00:13:50,880 --> 00:13:53,880
Speaker 3: sear me. I will draw you custom stick figures. I'll

306
00:13:53,960 --> 00:13:56,240
Speaker 3: charge you through the nose for it, but i'll draw

307
00:13:56,320 --> 00:13:59,480
Speaker 3: custom stick figs. Might not notice them as stick figures.

308
00:13:59,480 --> 00:14:01,920
Speaker 3: But it's not the point. But you don't need to

309
00:14:01,960 --> 00:14:05,040
Speaker 3: be talented or have a hidden talent or some kind

310
00:14:05,080 --> 00:14:08,440
Speaker 3: of artistic ability to have a good side hustle like

311
00:14:08,480 --> 00:14:10,959
Speaker 3: you could do dog walking or even house sitting is

312
00:14:11,000 --> 00:14:12,800
Speaker 3: a really good one that you can have some cash

313
00:14:12,840 --> 00:14:15,400
Speaker 3: coming in or you're still going to work and you're

314
00:14:15,520 --> 00:14:18,400
Speaker 3: still you know, going to you Yeah, most UNI students

315
00:14:18,400 --> 00:14:21,720
Speaker 3: don't have pets. All those types of commitments. Go house,

316
00:14:21,720 --> 00:14:24,320
Speaker 3: sit someone's house and feed their cat while they're on holiday,

317
00:14:24,560 --> 00:14:26,640
Speaker 3: huge genius study while you're at it.

318
00:14:26,640 --> 00:14:28,960
Speaker 2: Exactly, And there's like those little surveys that you do

319
00:14:29,080 --> 00:14:31,840
Speaker 2: air tasker like there are there are options out there

320
00:14:31,920 --> 00:14:33,640
Speaker 2: if you do want to make an extra.

321
00:14:33,400 --> 00:14:37,040
Speaker 3: Buckspression as well. Yeah, again, don't feel pressure, but there

322
00:14:37,040 --> 00:14:38,880
Speaker 3: are a lot of things you can do that don't

323
00:14:38,960 --> 00:14:41,640
Speaker 3: need talent. They just need tenacity and someone to turn

324
00:14:41,720 --> 00:14:42,200
Speaker 3: up and do it.

325
00:14:42,240 --> 00:14:46,000
Speaker 2: Okay, our next point here is to up your education now,

326
00:14:46,280 --> 00:14:48,760
Speaker 2: which I feel like everyone listening to this podcast is

327
00:14:48,880 --> 00:14:52,960
Speaker 2: doing anyway. But like re read the money books. We

328
00:14:53,040 --> 00:14:55,720
Speaker 2: know one that has recently come out by one of us.

329
00:14:55,720 --> 00:14:57,960
Speaker 2: I can't give the name of it though we'll get

330
00:14:58,000 --> 00:15:00,840
Speaker 2: to that later. That listen to pod casts again, we

331
00:15:00,920 --> 00:15:03,040
Speaker 2: know a good one. But we also love my millennial

332
00:15:03,120 --> 00:15:05,120
Speaker 2: money and our.

333
00:15:05,000 --> 00:15:07,640
Speaker 3: Powers over it, equitymates, there are a lot of money

334
00:15:07,680 --> 00:15:08,960
Speaker 3: podcasts to go listen to.

335
00:15:09,200 --> 00:15:09,440
Speaker 4: Yep.

336
00:15:09,440 --> 00:15:14,119
Speaker 2: If you can't stand us, do go elsewhere. But establishing

337
00:15:14,160 --> 00:15:18,600
Speaker 2: an understanding of the power of investing, compound interest, effective

338
00:15:18,640 --> 00:15:22,000
Speaker 2: budgeting strategies like mastering all of that now is a

339
00:15:22,040 --> 00:15:24,720
Speaker 2: really good not even mastering it just having an understanding

340
00:15:24,920 --> 00:15:26,320
Speaker 2: that will help you down the line.

341
00:15:26,320 --> 00:15:28,160
Speaker 3: You're going to put yourself in a position of power

342
00:15:28,200 --> 00:15:30,320
Speaker 3: because most people, when they do get their grad jobs

343
00:15:30,360 --> 00:15:32,680
Speaker 3: and do actually end up in employment, don't know that.

344
00:15:33,200 --> 00:15:35,120
Speaker 3: Like I know people who are in their sixties who

345
00:15:35,160 --> 00:15:38,440
Speaker 3: don't know that. Like, get your education now, understand it

346
00:15:38,480 --> 00:15:41,800
Speaker 3: now and it's not so overwhelming, Like understand the foundations.

347
00:15:41,840 --> 00:15:44,080
Speaker 3: But then also go back and listen to all of

348
00:15:44,120 --> 00:15:47,280
Speaker 3: our podcasts on knowing your worth as well, because while

349
00:15:47,280 --> 00:15:50,520
Speaker 3: you're in UNI, people seem to like taking advantage of

350
00:15:50,600 --> 00:15:52,760
Speaker 3: unique students and not paying them what they're meant to

351
00:15:52,800 --> 00:15:55,360
Speaker 3: be paid, or you know, you might be freelancing and

352
00:15:55,360 --> 00:15:57,080
Speaker 3: you just go wow, like I know I'm at UNI,

353
00:15:57,120 --> 00:15:58,960
Speaker 3: but like twenty bucks an hour is just not enough

354
00:15:58,960 --> 00:16:01,520
Speaker 3: for what I'm doing. Like, know what you are worth

355
00:16:01,600 --> 00:16:05,080
Speaker 3: and demand that because studying doesn't make you less of

356
00:16:05,080 --> 00:16:07,800
Speaker 3: a human. Studying doesn't mean that you're cheap or oh,

357
00:16:07,840 --> 00:16:10,120
Speaker 3: we'll just get a unique student to do it. Like,

358
00:16:10,440 --> 00:16:13,440
Speaker 3: studying just means that you're increasing your education and it's

359
00:16:13,440 --> 00:16:17,160
Speaker 3: probably an indicator of your intelligence. So go and demand

360
00:16:17,280 --> 00:16:20,960
Speaker 3: exactly what you are worth for any type of employment.

361
00:16:21,280 --> 00:16:23,920
Speaker 3: And I think another suggestion, which is often not as

362
00:16:23,960 --> 00:16:27,120
Speaker 3: obtainable and I know a little bit harder but definitely

363
00:16:27,160 --> 00:16:29,520
Speaker 3: worth it, is look for a job that kind of

364
00:16:29,560 --> 00:16:31,680
Speaker 3: aligns to what your career in the future will be.

365
00:16:32,120 --> 00:16:34,360
Speaker 3: So it's so easy to just go, Okay, cool and

366
00:16:34,400 --> 00:16:37,880
Speaker 3: I did this. I'll work in hospitality in retail while

367
00:16:38,080 --> 00:16:40,560
Speaker 3: you know, at union. I'll work it all out later. Like,

368
00:16:40,800 --> 00:16:42,600
Speaker 3: is there like a part time job where you could

369
00:16:42,600 --> 00:16:44,600
Speaker 3: be a receptionist at a company that you want to

370
00:16:44,600 --> 00:16:46,360
Speaker 3: work out so you can start getting some of that

371
00:16:46,480 --> 00:16:49,920
Speaker 3: face to face in my directionion, Yeah, exactly. So go

372
00:16:50,040 --> 00:16:51,520
Speaker 3: and if you want to be a media if there

373
00:16:51,520 --> 00:16:53,480
Speaker 3: a small media company that you could do you know,

374
00:16:53,560 --> 00:16:56,640
Speaker 3: some admin for or you know, some running around. I

375
00:16:56,680 --> 00:16:59,080
Speaker 3: think it's really important to see what is in your

376
00:16:59,120 --> 00:17:02,600
Speaker 3: industry because it'll also give you some experience about, oh

377
00:17:02,680 --> 00:17:04,920
Speaker 3: my gosh, I do want to do this, or oh

378
00:17:04,920 --> 00:17:06,920
Speaker 3: my gosh, this is not what I thought it would be,

379
00:17:07,080 --> 00:17:08,560
Speaker 3: and you kind of get your foot in the door

380
00:17:08,600 --> 00:17:09,840
Speaker 3: before you're actually in the door.

381
00:17:10,000 --> 00:17:12,840
Speaker 2: Yeah. Well, and you're making connections with people, especially if

382
00:17:12,840 --> 00:17:14,959
Speaker 2: you do work in that reception role, like you are

383
00:17:15,000 --> 00:17:18,040
Speaker 2: the face of that company. You're talking to people every

384
00:17:18,119 --> 00:17:21,280
Speaker 2: day genius and yeah, it's a really it's a smart move.

385
00:17:21,280 --> 00:17:24,960
Speaker 3: Your network, you call to your net worths. That's not

386
00:17:25,040 --> 00:17:27,560
Speaker 3: actually true, it's just some LinkedIn quote I saw the

387
00:17:27,600 --> 00:17:28,000
Speaker 3: other day.

388
00:17:28,119 --> 00:17:28,639
Speaker 4: Love LinkedIn?

389
00:17:29,640 --> 00:17:31,600
Speaker 3: Do you love LinkedIn? No? I don't love Lincoln.

390
00:17:31,560 --> 00:17:32,800
Speaker 4: It's a weird little part of this.

391
00:17:33,480 --> 00:17:36,320
Speaker 3: I feel very weird about LinkedIn, so I've got a

392
00:17:36,359 --> 00:17:39,080
Speaker 3: love hate relationship with it. I don't love the people

393
00:17:39,119 --> 00:17:42,960
Speaker 3: that contact me on LinkedIn because they usually middle aged

394
00:17:43,000 --> 00:17:45,040
Speaker 3: white men sliding into my dms to let me know

395
00:17:45,080 --> 00:17:47,760
Speaker 3: that I'm not doing my job properly. But on the

396
00:17:47,880 --> 00:17:50,800
Speaker 3: flip side, I love LinkedIn for its networking abilities, and

397
00:17:50,800 --> 00:17:52,760
Speaker 3: I've met a lot of people through LinkedIn who are

398
00:17:52,800 --> 00:17:56,120
Speaker 3: now I would say friends and part of my professional squad.

399
00:17:56,640 --> 00:17:59,000
Speaker 3: So if you're not on LinkedIn and you're at UNI,

400
00:17:59,320 --> 00:18:02,119
Speaker 3: get on linked In and slide into people's dms and

401
00:18:02,160 --> 00:18:05,200
Speaker 3: start learning about them and what their career projections looked

402
00:18:05,240 --> 00:18:07,359
Speaker 3: like and how they did that. And if there's a

403
00:18:07,400 --> 00:18:10,320
Speaker 3: company that you're desperate to work for, go connect with

404
00:18:10,400 --> 00:18:13,760
Speaker 3: that company, follow them, follow the people there, and even

405
00:18:13,840 --> 00:18:15,800
Speaker 3: put your hand up and be like, hey, I know

406
00:18:15,840 --> 00:18:17,640
Speaker 3: you haven't met me, and my name's Georgia. But I'm

407
00:18:17,680 --> 00:18:21,040
Speaker 3: currently studying media and journalism. I'm obsessed with your company.

408
00:18:21,080 --> 00:18:23,359
Speaker 3: I've been following it for years. If anything comes up

409
00:18:23,400 --> 00:18:26,760
Speaker 3: in that space, love to hear about it. Wow, that's initiative.

410
00:18:27,160 --> 00:18:30,560
Speaker 3: I would hands down hire someone like that before I

411
00:18:30,640 --> 00:18:31,480
Speaker 3: went to market.

412
00:18:31,600 --> 00:18:36,240
Speaker 2: Our last point here is to avoid credit where you can. Yes, boss,

413
00:18:36,280 --> 00:18:39,240
Speaker 2: I know you'll have a thing or why I changed

414
00:18:39,280 --> 00:18:43,840
Speaker 2: you first enough? Why should people avoid credit UNI? Well,

415
00:18:44,119 --> 00:18:47,159
Speaker 2: I think it's a slippery slope. And when you're at

416
00:18:47,359 --> 00:18:50,200
Speaker 2: UNI and you are a little strapped for cash, I

417
00:18:50,680 --> 00:18:53,720
Speaker 2: can see that. You know, Brown's like after pay they

418
00:18:53,760 --> 00:18:54,800
Speaker 2: do target.

419
00:18:54,480 --> 00:18:57,560
Speaker 3: These younger They make it so easy in saying that

420
00:18:57,760 --> 00:19:00,200
Speaker 3: after Bay says they don't target the younger general.

421
00:19:01,560 --> 00:19:04,119
Speaker 2: Eat my shorts after pay that's fake news.

422
00:19:04,440 --> 00:19:06,960
Speaker 3: Yeah, literally right, They're like, no, no, no, we're only

423
00:19:07,040 --> 00:19:10,359
Speaker 3: advertising to demographics that actually it fits with. And you

424
00:19:10,359 --> 00:19:13,439
Speaker 3: know they're responsible. We definitely don't want people getting into debt.

425
00:19:13,680 --> 00:19:16,040
Speaker 3: I'll come on, if you've got a full time job,

426
00:19:16,080 --> 00:19:19,280
Speaker 3: you're going to be less interested in after pay totally. Anyway,

427
00:19:19,400 --> 00:19:21,560
Speaker 3: I'll get on a rant about that another time. About

428
00:19:21,680 --> 00:19:24,080
Speaker 3: marketing and branding and targeting, Yeah, that's.

429
00:19:24,400 --> 00:19:27,560
Speaker 2: Definitely a big episode, but I would just be careful.

430
00:19:27,800 --> 00:19:30,080
Speaker 2: And we spoke about the damage that having a bad

431
00:19:30,080 --> 00:19:32,679
Speaker 2: credit score can do in last week's episodes, So just

432
00:19:32,720 --> 00:19:35,320
Speaker 2: be careful and don't just sign up to, you know,

433
00:19:35,359 --> 00:19:38,040
Speaker 2: a ten thousand dollars credit card, willy nilly. Don't grab

434
00:19:38,040 --> 00:19:41,040
Speaker 2: a person alone if you can avoid it, exactly, because

435
00:19:41,040 --> 00:19:42,960
Speaker 2: it can go south quite quickly.

436
00:19:43,040 --> 00:19:45,480
Speaker 3: And I think it's so easy while you're UNI to

437
00:19:45,560 --> 00:19:47,439
Speaker 3: try and keep up with your friends and you know,

438
00:19:47,600 --> 00:19:50,800
Speaker 3: go out consistently and you know, have a good time

439
00:19:50,840 --> 00:19:53,399
Speaker 3: because you're UNI. Right, You're only at UNI ones and

440
00:19:53,440 --> 00:19:55,600
Speaker 3: it's just so easy to get in debt while you're

441
00:19:55,600 --> 00:19:58,560
Speaker 3: there or make bad financial decisions. But you never have

442
00:19:58,720 --> 00:20:01,560
Speaker 3: full visibility of what other people are doing, like you

443
00:20:01,640 --> 00:20:04,560
Speaker 3: might be like I was at UNI, like working your

444
00:20:04,600 --> 00:20:07,879
Speaker 3: butt off, renting in an area that was relatively expensive.

445
00:20:07,920 --> 00:20:09,640
Speaker 3: I had some housemates or it made it a bit

446
00:20:09,640 --> 00:20:12,399
Speaker 3: more palatable, but you know, I was living that big

447
00:20:12,440 --> 00:20:15,280
Speaker 3: city life. But I went to UNI with people who

448
00:20:15,359 --> 00:20:17,320
Speaker 3: were still living at home and worked about the same

449
00:20:17,359 --> 00:20:19,399
Speaker 3: as I did. But I was going out with those people,

450
00:20:19,560 --> 00:20:22,200
Speaker 3: and you know, they were the ones that got beautiful

451
00:20:22,240 --> 00:20:27,240
Speaker 3: new back at UNI. Sassin by dresses were the thing, really, yeah,

452
00:20:27,359 --> 00:20:30,400
Speaker 3: the thing. Anyway, my twenty first dress was assassin by Dress,

453
00:20:30,440 --> 00:20:32,720
Speaker 3: and I saved up for so long for that dress,

454
00:20:32,920 --> 00:20:35,480
Speaker 3: and now it just makes me cringe thinking how much

455
00:20:35,520 --> 00:20:38,000
Speaker 3: I spent on that knowing what my income was. Like

456
00:20:38,320 --> 00:20:42,120
Speaker 3: Victoria Divine, that is not a good money decision.

457
00:20:41,760 --> 00:20:43,680
Speaker 2: But it's so easy to get swept up when everyone

458
00:20:43,720 --> 00:20:45,200
Speaker 2: else is doing it and you want to fit in.

459
00:20:45,320 --> 00:20:49,080
Speaker 3: Exactly, and it just didn't make sense for my financial situation.

460
00:20:49,280 --> 00:20:51,520
Speaker 3: So I think the real point to hear is stop

461
00:20:51,600 --> 00:20:55,919
Speaker 3: comparing yourself to other people. Stop looking at university as like, oh,

462
00:20:55,920 --> 00:20:58,080
Speaker 3: I'll fix it later, and start looking at as you

463
00:20:58,560 --> 00:21:01,360
Speaker 3: really building habits for the future, Like right now you're

464
00:21:01,440 --> 00:21:04,359
Speaker 3: learning so that you can get into your career. Learn

465
00:21:04,560 --> 00:21:07,000
Speaker 3: finance as well so that once you're in your career

466
00:21:07,000 --> 00:21:09,560
Speaker 3: you can make the most of it. Anyway, time for

467
00:21:09,560 --> 00:21:11,600
Speaker 3: a break, Time for a break.

468
00:21:20,400 --> 00:21:22,560
Speaker 5: Okabe, back to it.

469
00:21:22,600 --> 00:21:24,760
Speaker 4: Should students be investing?

470
00:21:25,880 --> 00:21:26,040
Speaker 2: No?

471
00:21:26,400 --> 00:21:29,679
Speaker 3: Yes, no, maybe maybe, depending on what they want. End

472
00:21:29,680 --> 00:21:33,159
Speaker 3: of the podcast Fabulous. That is a really hard question

473
00:21:33,280 --> 00:21:35,640
Speaker 3: to answer, gee, And the reason is because I don't

474
00:21:35,640 --> 00:21:38,679
Speaker 3: know your personal situation. Are you living at home and

475
00:21:38,760 --> 00:21:41,520
Speaker 3: you're working forty hours? A week and you need to

476
00:21:41,560 --> 00:21:43,479
Speaker 3: make hay while the sun is shiny because you're not

477
00:21:43,520 --> 00:21:46,919
Speaker 3: paying rent. Great, investing might be a really good option

478
00:21:47,000 --> 00:21:49,639
Speaker 3: for you. Are you living out of home, paying a

479
00:21:49,640 --> 00:21:52,760
Speaker 3: whole heap of rent, going to university every day, not

480
00:21:52,800 --> 00:21:55,720
Speaker 3: being able to afford anything, and putting too much pressure

481
00:21:55,760 --> 00:21:57,840
Speaker 3: on yourself to be investing because you listen to the

482
00:21:57,880 --> 00:22:00,879
Speaker 3: Shees on the Money podcast and you're worried about missing out. No,

483
00:22:01,000 --> 00:22:04,680
Speaker 3: you shouldn't be investing, yeap, Like, let's take the pressure off.

484
00:22:04,720 --> 00:22:07,840
Speaker 3: I'm giving you the tools and resources, but it doesn't

485
00:22:07,880 --> 00:22:10,280
Speaker 3: mean that you're ready to use them. It doesn't mean

486
00:22:10,280 --> 00:22:12,480
Speaker 3: that you have to start now, Like, stop putting the

487
00:22:12,480 --> 00:22:16,080
Speaker 3: pressure on yourself and start working out what works for

488
00:22:16,160 --> 00:22:18,840
Speaker 3: you and at what time that will be feasible. Like

489
00:22:18,880 --> 00:22:20,360
Speaker 3: I think too many people are like, oh my god,

490
00:22:20,400 --> 00:22:22,560
Speaker 3: I need to be investing and I'm not. My friend,

491
00:22:22,600 --> 00:22:24,800
Speaker 3: you can't even save ten dollars a week, Like it

492
00:22:24,920 --> 00:22:28,119
Speaker 3: is okay to not invest yet. Put your mental health

493
00:22:28,160 --> 00:22:31,880
Speaker 3: first and take the pressure off. Say okay, no problems,

494
00:22:31,960 --> 00:22:34,359
Speaker 3: like I can't invest yet, but it's goal of mine.

495
00:22:34,480 --> 00:22:35,879
Speaker 4: Yep, great, I understand it.

496
00:22:36,080 --> 00:22:39,320
Speaker 3: Yeah, I understand day one day I'm definitely gonna do it.

497
00:22:39,400 --> 00:22:40,840
Speaker 3: But when I do it, I'm going to be in

498
00:22:40,840 --> 00:22:42,960
Speaker 3: the right headspace. I'm going to be in the right

499
00:22:43,000 --> 00:22:46,000
Speaker 3: financial space. I'm gonna be ready. I'm so ready. I

500
00:22:46,000 --> 00:22:47,119
Speaker 3: have all my research.

501
00:22:47,359 --> 00:22:47,600
Speaker 4: Good.

502
00:22:47,760 --> 00:22:50,679
Speaker 3: You don't need to be doing anything right now. But

503
00:22:50,840 --> 00:22:52,600
Speaker 3: if you're at UNI and you want to be investing

504
00:22:52,720 --> 00:22:56,160
Speaker 3: some spare change, jump on a micro investing platform. Check

505
00:22:56,240 --> 00:22:59,480
Speaker 3: those out, have a look at what works for you. You

506
00:22:59,080 --> 00:23:01,520
Speaker 3: can invest. You know our friends at chaeres E's. I

507
00:23:01,680 --> 00:23:03,800
Speaker 3: just think that there are so many tools and resources

508
00:23:03,840 --> 00:23:06,399
Speaker 3: now it's twenty twenty one. Like, if you want to

509
00:23:06,440 --> 00:23:09,520
Speaker 3: invest but you're at UNI, start small, start strong. It

510
00:23:09,560 --> 00:23:12,199
Speaker 3: goes back to what we're saying before the break. Just

511
00:23:12,400 --> 00:23:15,160
Speaker 3: set the habit up so in the future it can

512
00:23:15,240 --> 00:23:18,040
Speaker 3: grow instead of in the future you having to re

513
00:23:18,200 --> 00:23:19,679
Speaker 3: establish new habits.

514
00:23:19,960 --> 00:23:20,360
Speaker 4: Brilliant.

515
00:23:20,400 --> 00:23:24,280
Speaker 2: Okay, that takes the pressure off for sure. Okay, So

516
00:23:25,040 --> 00:23:27,280
Speaker 2: for a lot of people, studying means moving out of

517
00:23:27,359 --> 00:23:30,760
Speaker 2: home for the very first time, let's talk through some

518
00:23:30,840 --> 00:23:34,000
Speaker 2: tips and tricks to saving at that time of your life,

519
00:23:34,040 --> 00:23:36,840
Speaker 2: because it can be very expensive. As we spoke about earlier,

520
00:23:36,960 --> 00:23:38,560
Speaker 2: it's a lot of change in years, it's a lot

521
00:23:38,560 --> 00:23:39,360
Speaker 2: of responsibility.

522
00:23:39,400 --> 00:23:42,200
Speaker 3: Do you know how expensive like dishrusher tablets were when

523
00:23:42,200 --> 00:23:42,840
Speaker 3: you moved out?

524
00:23:42,960 --> 00:23:45,240
Speaker 4: No, they are still shocks me.

525
00:23:45,600 --> 00:23:48,560
Speaker 3: I can't even And the arguments used to have, I

526
00:23:48,560 --> 00:23:50,640
Speaker 3: don't know, maybe you still have them with the harps

527
00:23:51,040 --> 00:23:54,520
Speaker 3: about who has to buy toilet paper and paper towel next. Yeah,

528
00:23:54,560 --> 00:23:55,639
Speaker 3: that happened in my house.

529
00:23:57,320 --> 00:23:58,160
Speaker 4: Well it adds up.

530
00:23:58,200 --> 00:24:00,199
Speaker 2: And if you're living in a sharehouse, maybe you'll let

531
00:24:00,240 --> 00:24:01,280
Speaker 2: me share with your partner.

532
00:24:01,320 --> 00:24:04,040
Speaker 3: I used to have this housemate, right, not gonna name names, thankfully,

533
00:24:04,080 --> 00:24:06,080
Speaker 3: I've had a number of housemates, so you never know

534
00:24:06,160 --> 00:24:07,000
Speaker 3: which one it was.

535
00:24:08,080 --> 00:24:08,960
Speaker 4: But it's Chloe.

536
00:24:09,440 --> 00:24:12,480
Speaker 3: I never lived with the Chloe to call it Chloe.

537
00:24:12,600 --> 00:24:17,600
Speaker 3: So Chloe would refuse to buy anything like no shared commodities,

538
00:24:17,600 --> 00:24:20,960
Speaker 3: but would use everybody else's stuff, and like I would

539
00:24:20,960 --> 00:24:24,480
Speaker 3: buy this bougie like garlic confused olive oil, and then

540
00:24:24,520 --> 00:24:26,280
Speaker 3: she'd use it all and not replace it. And then

541
00:24:26,320 --> 00:24:28,320
Speaker 3: I'd be like, hey, Chloe, like can you stop that.

542
00:24:28,840 --> 00:24:31,960
Speaker 3: She'd be like, no, like oils for the house, and

543
00:24:31,960 --> 00:24:34,160
Speaker 3: I'd be like, oh, yeah, like you don't ever give

544
00:24:34,200 --> 00:24:36,960
Speaker 3: anything to the house anyway? Really fun time, been there

545
00:24:37,040 --> 00:24:40,240
Speaker 3: done that? Yeah? Would I have a housemaid again. Yeah. Probably.

546
00:24:40,520 --> 00:24:42,800
Speaker 2: Well, I mean, having housemates is one of our tips

547
00:24:42,840 --> 00:24:45,280
Speaker 2: because it does help keep the costs down. Like it's

548
00:24:45,600 --> 00:24:48,240
Speaker 2: almost impossible to rent a place out by yourself when

549
00:24:48,280 --> 00:24:48,920
Speaker 2: you're eighteen.

550
00:24:49,400 --> 00:24:52,560
Speaker 3: Oh absolutely, and it's really unrealistic to go, you know what,

551
00:24:52,600 --> 00:24:54,040
Speaker 3: I'm going to live my dream life and get my

552
00:24:54,080 --> 00:24:56,680
Speaker 3: own apartment in the CBD and I'm going to live

553
00:24:56,760 --> 00:24:59,080
Speaker 3: on my own and have a cute studio. Like sorry,

554
00:24:59,080 --> 00:25:02,399
Speaker 3: it's really expensive. Like if you can afford that, fantastic,

555
00:25:02,440 --> 00:25:04,480
Speaker 3: I'm really happy for you. Like, and for a lot

556
00:25:04,520 --> 00:25:07,200
Speaker 3: of people, that's a necessary cost because their mental health

557
00:25:07,280 --> 00:25:09,800
Speaker 3: is at a point where they couldn't have housemates. Like

558
00:25:09,840 --> 00:25:11,719
Speaker 3: I get it, I really do, but it's just not

559
00:25:11,720 --> 00:25:14,560
Speaker 3: feasible for most people. And living in a sharehouse can

560
00:25:14,640 --> 00:25:17,320
Speaker 3: actually be a wild time. Like I now live with

561
00:25:17,359 --> 00:25:20,840
Speaker 3: my partner. I'm in my thirties, terrified, but I live

562
00:25:20,920 --> 00:25:22,760
Speaker 3: with my partner and my pets, and like, you know,

563
00:25:22,920 --> 00:25:25,080
Speaker 3: I'll never be in that situation again, but you know,

564
00:25:25,080 --> 00:25:27,080
Speaker 3: I kind of missed it, Like it was so fun

565
00:25:27,160 --> 00:25:29,760
Speaker 3: having housemates and I made friends that are now my

566
00:25:29,800 --> 00:25:33,159
Speaker 3: friends for life, and you know, you have you do

567
00:25:33,359 --> 00:25:36,080
Speaker 3: definitely have moments where you rub people up the wrong way,

568
00:25:36,200 --> 00:25:38,679
Speaker 3: or fight over garlic confused olive oil, or who's going

569
00:25:38,720 --> 00:25:41,720
Speaker 3: to buy the next roll of toilet paper. But it's

570
00:25:41,760 --> 00:25:44,119
Speaker 3: all part of the fun. It's all part of the journey.

571
00:25:44,240 --> 00:25:47,080
Speaker 3: You go through it, you learn, you grow, and to

572
00:25:47,119 --> 00:25:48,640
Speaker 3: be honest, it's a fun time.

573
00:25:48,720 --> 00:25:50,800
Speaker 4: It is a fun time. Okay.

574
00:25:50,920 --> 00:25:55,119
Speaker 2: So in terms of other tips in keeping the cost down.

575
00:25:55,000 --> 00:25:57,840
Speaker 3: The next tip, there is budget budget before you move

576
00:25:57,920 --> 00:26:00,920
Speaker 3: out and while you've moved out. So guys, there is

577
00:26:00,920 --> 00:26:03,960
Speaker 3: a free downloadable budget on our website. Desertainly go get

578
00:26:04,000 --> 00:26:07,359
Speaker 3: that key in what you think your rent, electricity, internet,

579
00:26:07,400 --> 00:26:09,359
Speaker 3: et cetera has got a cost, and that will help

580
00:26:09,400 --> 00:26:11,080
Speaker 3: you work out how much it's going to be to

581
00:26:11,160 --> 00:26:14,520
Speaker 3: move out of home. Start budgeting as though you live

582
00:26:14,560 --> 00:26:16,600
Speaker 3: out of home before you do it to set yourself

583
00:26:16,680 --> 00:26:19,359
Speaker 3: up for success. But when you are out of home,

584
00:26:19,680 --> 00:26:21,760
Speaker 3: make sure that you keep a budget so that you

585
00:26:21,840 --> 00:26:24,640
Speaker 3: know when expenses are coming in, so that you're never

586
00:26:24,800 --> 00:26:27,240
Speaker 3: left with a flaky housemate who didn't pay the rent

587
00:26:27,280 --> 00:26:29,240
Speaker 3: on time and you didn't have enough to cover it

588
00:26:29,280 --> 00:26:31,280
Speaker 3: and then you get kicked out of your apartment. Like

589
00:26:31,320 --> 00:26:33,240
Speaker 3: I'm not saying that you need to cover for someone.

590
00:26:33,320 --> 00:26:37,080
Speaker 3: But having an emergency account while being a housemate is

591
00:26:37,280 --> 00:26:40,760
Speaker 3: really helpful, and I promise you will make you stress

592
00:26:40,800 --> 00:26:41,760
Speaker 3: a whole heap.

593
00:26:41,640 --> 00:26:44,600
Speaker 2: Less one hundred percent. The other helpful thing when you

594
00:26:44,600 --> 00:26:46,840
Speaker 2: have housemates is using apps like split.

595
00:26:46,520 --> 00:26:48,320
Speaker 3: Wise, which is so good.

596
00:26:48,400 --> 00:26:50,800
Speaker 2: So it just takes the awkwardness out of having to

597
00:26:50,840 --> 00:26:53,440
Speaker 2: ask for money because it's all in the app. It's

598
00:26:53,520 --> 00:26:55,600
Speaker 2: free to download, and it just tells you, like you

599
00:26:55,600 --> 00:26:57,920
Speaker 2: plug in if you bought the six dollar toilet paper,

600
00:26:57,960 --> 00:26:59,920
Speaker 2: and then you know, everyone owes a certain amount of

601
00:26:59,920 --> 00:27:02,320
Speaker 2: the end of the month, so it's smart, does the

602
00:27:02,320 --> 00:27:03,040
Speaker 2: maths for you.

603
00:27:03,160 --> 00:27:06,199
Speaker 3: And split Wise again not sponsored, just good and an

604
00:27:06,240 --> 00:27:09,000
Speaker 3: app that we both use. I use it on holidays still,

605
00:27:09,080 --> 00:27:11,640
Speaker 3: so if we go on group holidays, we just key

606
00:27:11,680 --> 00:27:13,640
Speaker 3: and like, oh cool, I'll just get dinner. I chuck

607
00:27:13,680 --> 00:27:15,679
Speaker 3: it on split wise so that there's no awkward like

608
00:27:16,080 --> 00:27:18,440
Speaker 3: splitting up payments can be just challenging, and so we

609
00:27:18,520 --> 00:27:20,040
Speaker 3: chuck it on there and then at the end of

610
00:27:20,080 --> 00:27:21,880
Speaker 3: the month it tells you what you owe each other.

611
00:27:21,920 --> 00:27:24,040
Speaker 3: But gee, if you bought the six dollar toilet paper

612
00:27:24,280 --> 00:27:26,440
Speaker 3: and then I bought you know, some four dollars deep

613
00:27:26,520 --> 00:27:28,480
Speaker 3: or something at the end of the month, it would

614
00:27:28,520 --> 00:27:30,480
Speaker 3: tell me that I only owe you two dollars or

615
00:27:30,480 --> 00:27:32,920
Speaker 3: whatever it is, because it comes out as okay, well,

616
00:27:33,000 --> 00:27:35,960
Speaker 3: what's the even what's the difference as opposed to adding

617
00:27:36,040 --> 00:27:38,480
Speaker 3: up the cost, and then yeah, it's actually really cool,

618
00:27:38,640 --> 00:27:42,800
Speaker 3: super smart and again makes it less awkward as you

619
00:27:42,840 --> 00:27:45,080
Speaker 3: just go, hey, house mate, like, let's have this. Do

620
00:27:45,160 --> 00:27:47,080
Speaker 3: you want to have like a split wise and you

621
00:27:47,119 --> 00:27:48,680
Speaker 3: can just tell me at the end of the month

622
00:27:48,720 --> 00:27:51,000
Speaker 3: what I owe you? Like cool, you can put whatever

623
00:27:51,080 --> 00:27:52,840
Speaker 3: on there and there's no like, hey, do you remember

624
00:27:52,880 --> 00:27:55,760
Speaker 3: that groceries I bought? Like do you remember that? Can

625
00:27:55,800 --> 00:28:00,160
Speaker 3: we do that? Or do you have the receipt? Buy me? Bye?

626
00:28:00,640 --> 00:28:00,920
Speaker 4: Okay.

627
00:28:00,920 --> 00:28:03,920
Speaker 2: And the last point here is if you can stay

628
00:28:03,920 --> 00:28:06,520
Speaker 2: at home, oh my gosh, don't be afraid to not

629
00:28:06,680 --> 00:28:07,800
Speaker 2: move out straight away.

630
00:28:07,920 --> 00:28:10,400
Speaker 3: Oh my gosh. Yes, it's so romantic to move out

631
00:28:10,440 --> 00:28:12,000
Speaker 3: right like you're like, oh my gosh. When I'm maintain,

632
00:28:12,119 --> 00:28:14,080
Speaker 3: I'm going to move out. Oh my gosh. If I

633
00:28:14,080 --> 00:28:16,480
Speaker 3: could live at home, I would Yeah. Do you know

634
00:28:16,520 --> 00:28:19,280
Speaker 3: how good my mum's cooking is great? Ten out of ten?

635
00:28:19,720 --> 00:28:22,560
Speaker 3: Like can you imagine being able to stay at home

636
00:28:22,680 --> 00:28:25,040
Speaker 3: as long as possible? Oh? Would have been a dream.

637
00:28:25,119 --> 00:28:27,200
Speaker 3: It is the best. So why my sisters moved home

638
00:28:27,240 --> 00:28:28,200
Speaker 3: so many times? Jee?

639
00:28:28,280 --> 00:28:33,000
Speaker 2: And you know so have I, So no judgment for me. Okay,

640
00:28:33,040 --> 00:28:35,920
Speaker 2: so my next question here they there are tips for

641
00:28:35,960 --> 00:28:39,120
Speaker 2: you all. Hope they're helpful to some of you. In

642
00:28:39,240 --> 00:28:43,760
Speaker 2: lots of industries, unpaid placements and internships are just part

643
00:28:43,800 --> 00:28:46,760
Speaker 2: of our degrees and courses, which is rough, but I'm

644
00:28:46,840 --> 00:28:47,920
Speaker 2: necessary rude.

645
00:28:48,040 --> 00:28:49,920
Speaker 3: You have a friend at the moment that's having to

646
00:28:49,960 --> 00:28:54,080
Speaker 3: do this, like unpaid nursing internship. Yeah, it does my

647
00:28:54,200 --> 00:28:56,680
Speaker 3: head in the idea that you don't get paid for

648
00:28:56,760 --> 00:28:59,720
Speaker 3: work that you're genuinely doing, Like in my head, one

649
00:29:00,200 --> 00:29:03,959
Speaker 3: into it because sometimes now I'm not naming names, but

650
00:29:04,160 --> 00:29:06,960
Speaker 3: there are some industries that will be like, okay, cool,

651
00:29:07,000 --> 00:29:10,440
Speaker 3: it's an unpaid internship. Like you're not technically meant to

652
00:29:10,480 --> 00:29:12,880
Speaker 3: be doing a heap of work on an unpaid internship.

653
00:29:12,920 --> 00:29:15,080
Speaker 3: You're meant to just be there to learn and to

654
00:29:15,200 --> 00:29:16,760
Speaker 3: grow and you know, to give a bit of a

655
00:29:16,760 --> 00:29:19,240
Speaker 3: helping hand, like you're not meant to be handed over

656
00:29:19,280 --> 00:29:21,760
Speaker 3: a job description and like, okay, cool, now you manage

657
00:29:21,800 --> 00:29:25,960
Speaker 3: avasad and f like that's actually a job, not an internship.

658
00:29:26,160 --> 00:29:29,200
Speaker 3: And there are some industries that really take advantage of that.

659
00:29:29,520 --> 00:29:30,440
Speaker 4: I know media does.

660
00:29:30,520 --> 00:29:32,400
Speaker 3: Yeah, I was gonna say so pr A Media. I

661
00:29:32,520 --> 00:29:34,840
Speaker 3: really got at that. So make sure that you're not

662
00:29:34,920 --> 00:29:36,960
Speaker 3: just getting caught up in the brand name and going.

663
00:29:37,080 --> 00:29:39,160
Speaker 3: But they're such a big company, and like, it would

664
00:29:39,200 --> 00:29:41,720
Speaker 3: be so good on my resume. You know what else

665
00:29:41,760 --> 00:29:44,760
Speaker 3: is good on your resume? Paid work? Yeah, paid work

666
00:29:44,760 --> 00:29:47,080
Speaker 3: that you got paid to do. And in saying that,

667
00:29:47,200 --> 00:29:49,959
Speaker 3: I'm not saying that unpaid internships are bad. I just

668
00:29:50,000 --> 00:29:54,200
Speaker 3: think that people aren't respecting that we need income and

669
00:29:54,400 --> 00:29:56,040
Speaker 3: that if you want me to come and work for

670
00:29:56,120 --> 00:30:00,000
Speaker 3: your business, like I will, but I need to be

671
00:30:00,160 --> 00:30:03,040
Speaker 3: remunerated for that. And so for me, if you are

672
00:30:03,080 --> 00:30:04,720
Speaker 3: in that situation where you do have to do an

673
00:30:04,800 --> 00:30:08,400
Speaker 3: unpaid internship, plan for it in advance. If you know

674
00:30:08,520 --> 00:30:11,200
Speaker 3: that in third year, for the last semester you're gonna

675
00:30:11,240 --> 00:30:14,080
Speaker 3: have this unpaid internship, but it's now like the end

676
00:30:14,120 --> 00:30:17,720
Speaker 3: of first year, start a little savings account, put money

677
00:30:17,760 --> 00:30:21,240
Speaker 3: aside so that you're not stressed about groceries or rent

678
00:30:21,360 --> 00:30:24,320
Speaker 3: during that period of time, or take on some more

679
00:30:24,360 --> 00:30:27,880
Speaker 3: shifts over the Christmas holidays. I know that at UNI

680
00:30:28,000 --> 00:30:30,920
Speaker 3: I was useless with this, like I could not, for

681
00:30:31,000 --> 00:30:33,800
Speaker 3: the life of me save over Christmas holidays because I

682
00:30:33,840 --> 00:30:35,880
Speaker 3: would make hey, well the sun is shining, yeah, by

683
00:30:35,920 --> 00:30:38,959
Speaker 3: going out extra at Christmas time because well one it

684
00:30:38,960 --> 00:30:41,160
Speaker 3: was unibreak. We were having a good time, all my

685
00:30:41,240 --> 00:30:43,680
Speaker 3: friends were together. We could do a whole heit more

686
00:30:43,680 --> 00:30:46,240
Speaker 3: stuff because I had more cash flow and I wasn't

687
00:30:46,360 --> 00:30:48,960
Speaker 3: saving the money that I was making in addition to

688
00:30:49,040 --> 00:30:51,720
Speaker 3: what I usually would make over that break. So if

689
00:30:51,760 --> 00:30:54,000
Speaker 3: you are going through you know, a unibreaker a period

690
00:30:54,040 --> 00:30:56,000
Speaker 3: where you're like, cool, I can actually work full time

691
00:30:56,040 --> 00:30:59,760
Speaker 3: this week, put some money aside for future you, so

692
00:31:00,120 --> 00:31:02,560
Speaker 3: future you doesn't have to be stressed about study or

693
00:31:02,560 --> 00:31:05,080
Speaker 3: internships or you know, taking a few days off to

694
00:31:05,080 --> 00:31:07,240
Speaker 3: study because you've got exams in you know, a couple

695
00:31:07,280 --> 00:31:09,600
Speaker 3: of weeks and you're really stressed about it, Like, look

696
00:31:09,880 --> 00:31:13,480
Speaker 3: after yourself. That is why we're being afforded these opportunities.

697
00:31:13,760 --> 00:31:16,239
Speaker 3: And I wish that I had done that, Like I

698
00:31:16,280 --> 00:31:18,800
Speaker 3: remember too many times I was just stressed coming up

699
00:31:18,880 --> 00:31:20,800
Speaker 3: to exam time and I was like, oh my gosh,

700
00:31:20,840 --> 00:31:22,320
Speaker 3: but I have to work. But I can't call in

701
00:31:22,400 --> 00:31:24,920
Speaker 3: sick because if I call in sick, I am not

702
00:31:24,960 --> 00:31:27,600
Speaker 3: going to have money for rent, and it was really

703
00:31:27,640 --> 00:31:30,840
Speaker 3: self perpetuating and really stressful. Can you imagine if I'd

704
00:31:30,840 --> 00:31:33,240
Speaker 3: actually save some money over Christmas break? So I went,

705
00:31:33,280 --> 00:31:37,160
Speaker 3: you know what, I know that when September comes, exams

706
00:31:37,160 --> 00:31:39,880
Speaker 3: are going to be wild. I'm just gonna save up,

707
00:31:40,120 --> 00:31:42,560
Speaker 3: you know, maybe half of this month's rent so that

708
00:31:42,600 --> 00:31:44,320
Speaker 3: I can take off a few shifts so that I

709
00:31:44,320 --> 00:31:46,600
Speaker 3: can just study and everything will be so much easier.

710
00:31:47,160 --> 00:31:50,320
Speaker 2: We did a whole episode on variable incomes and those

711
00:31:50,400 --> 00:31:52,080
Speaker 2: unpaid periods as well, So go back and.

712
00:31:52,040 --> 00:31:55,000
Speaker 3: Like what I'm saying is not new, Sorry guys.

713
00:31:54,760 --> 00:31:56,040
Speaker 4: No, well it's good at Drill.

714
00:31:56,240 --> 00:31:58,560
Speaker 3: It's true, right, Like, and we just want to make

715
00:31:58,600 --> 00:32:00,920
Speaker 3: sure that we are leaning on, say so that when

716
00:32:00,960 --> 00:32:03,959
Speaker 3: we have a period of unpaid internship or you know,

717
00:32:04,040 --> 00:32:06,480
Speaker 3: we've got something stressful that we want to take off work,

718
00:32:06,600 --> 00:32:09,160
Speaker 3: we can do that for ourselves. Like we're not saying

719
00:32:09,200 --> 00:32:11,280
Speaker 3: save up thousands so that you pay your rent six

720
00:32:11,320 --> 00:32:14,320
Speaker 3: months in advance, but like maybe save up a week's

721
00:32:14,360 --> 00:32:17,880
Speaker 3: worth of expenses so that when September rolls around you

722
00:32:17,960 --> 00:32:21,200
Speaker 3: can comfortably say, hey, work, I need a few shifts off.

723
00:32:21,240 --> 00:32:24,479
Speaker 3: I'm going to study, and your groceries are covered and

724
00:32:24,680 --> 00:32:27,360
Speaker 3: your transport is covered. Like we're not saying save up

725
00:32:27,400 --> 00:32:29,560
Speaker 3: heap so you can live your best life during that week.

726
00:32:29,640 --> 00:32:31,800
Speaker 3: But like, how much more comfortable would it be if

727
00:32:31,800 --> 00:32:33,680
Speaker 3: I said to you, g you don't have to work

728
00:32:33,720 --> 00:32:35,480
Speaker 3: this week. It's not going to be an issue, Like

729
00:32:35,520 --> 00:32:37,560
Speaker 3: You've got more than enough money for groceries for this

730
00:32:37,600 --> 00:32:39,600
Speaker 3: week and next, Like it's going to be good. You're like,

731
00:32:39,600 --> 00:32:42,239
Speaker 3: oh my gosh, Okay, I'll stay at home, I'll go

732
00:32:42,280 --> 00:32:44,280
Speaker 3: for some nice walks in the morning, and then I'll

733
00:32:44,400 --> 00:32:46,800
Speaker 3: just study all of those days and you're going to

734
00:32:46,960 --> 00:32:49,920
Speaker 3: just have a more relaxed period, Like it's just going

735
00:32:49,960 --> 00:32:52,040
Speaker 3: to be better for you, for your mental health, for

736
00:32:52,080 --> 00:32:55,920
Speaker 3: your unique experience, Like I promise you it's a good idea.

737
00:32:56,080 --> 00:32:58,680
Speaker 2: Well, this leads me to my last question B, which

738
00:32:58,760 --> 00:33:03,000
Speaker 2: is that obviously at UNI at Tafe, when we're studying,

739
00:33:03,080 --> 00:33:05,760
Speaker 2: we've got a lot on and it is so stressful,

740
00:33:06,120 --> 00:33:09,960
Speaker 2: like juggling so much is hard. So I'm kind of

741
00:33:09,960 --> 00:33:12,360
Speaker 2: in the market from you. You're in the market for

742
00:33:12,440 --> 00:33:18,840
Speaker 2: what I'm in the market for a motivational less about

743
00:33:18,880 --> 00:33:22,160
Speaker 2: finance and more just about how you can stay positive

744
00:33:22,240 --> 00:33:24,440
Speaker 2: during this time, which can be really really hard for

745
00:33:24,480 --> 00:33:25,240
Speaker 2: a lot of people.

746
00:33:25,560 --> 00:33:26,920
Speaker 3: Was this episode not good enough?

747
00:33:26,960 --> 00:33:28,640
Speaker 2: Well, I think it was, but I just want some

748
00:33:28,720 --> 00:33:30,240
Speaker 2: of your analogies.

749
00:33:30,280 --> 00:33:33,240
Speaker 3: But it is hard, right, Like, it is really hard

750
00:33:33,680 --> 00:33:36,520
Speaker 3: to study and work and have a lot of pressure

751
00:33:36,520 --> 00:33:38,320
Speaker 3: put on ourselves, and I think we just need to

752
00:33:38,360 --> 00:33:40,920
Speaker 3: relieve that. And I don't think enough of us put

753
00:33:40,920 --> 00:33:44,000
Speaker 3: our mental health first during UNI. Like I look back

754
00:33:44,040 --> 00:33:45,600
Speaker 3: on UNI and I go, yeah, it was really fun.

755
00:33:45,640 --> 00:33:48,040
Speaker 3: And then I sit down and I start really deeply

756
00:33:48,120 --> 00:33:51,479
Speaker 3: thinking about my UNI experience. And I wasn't happy a

757
00:33:51,480 --> 00:33:53,680
Speaker 3: lot of the time because I was stressed, or I

758
00:33:53,840 --> 00:33:56,360
Speaker 3: was overwhelmed, or I didn't think I was doing well enough.

759
00:33:56,400 --> 00:33:59,320
Speaker 3: And it will come as absolutely no surprise to anybody

760
00:33:59,400 --> 00:34:01,440
Speaker 3: that I put a lot of pressure on myself. Ha ha.

761
00:34:02,640 --> 00:34:04,480
Speaker 3: And so you know, if I didn't get the score,

762
00:34:04,560 --> 00:34:06,840
Speaker 3: I thought i'd get on an assignment, like I'd be

763
00:34:06,960 --> 00:34:09,560
Speaker 3: upset and I'd ruminate on it. Well, maybe I'll never

764
00:34:09,600 --> 00:34:12,040
Speaker 3: be a good psychologist. It turns out I was never

765
00:34:12,040 --> 00:34:14,560
Speaker 3: going to be a good chilist. But I think it's

766
00:34:14,640 --> 00:34:18,000
Speaker 3: really important to just remember the bigger picture. It's really

767
00:34:18,080 --> 00:34:21,120
Speaker 3: important to be kind to yourself and you know, seek

768
00:34:21,160 --> 00:34:24,000
Speaker 3: help if you need it, And remember that mental health

769
00:34:24,160 --> 00:34:27,120
Speaker 3: is a really big component of our physical health. Like

770
00:34:27,160 --> 00:34:29,560
Speaker 3: if you're not well mentally, you're gonna feel sick. You're

771
00:34:29,600 --> 00:34:32,000
Speaker 3: not going to be well. Like it impacts your digestion,

772
00:34:32,400 --> 00:34:35,080
Speaker 3: it impacts literally everything, Like I talk to people, know,

773
00:34:35,200 --> 00:34:37,640
Speaker 3: oh I'm really like intolerant to a food At the moment,

774
00:34:37,680 --> 00:34:40,480
Speaker 3: I'm like, is it that or you distressed, babe, Like

775
00:34:40,560 --> 00:34:43,360
Speaker 3: it's your body just not reacting well to the fact

776
00:34:43,400 --> 00:34:46,800
Speaker 3: that you are literally overwhelmed. You haven't put your mental

777
00:34:46,840 --> 00:34:51,440
Speaker 3: health first. And I think that it's interesting how mental

778
00:34:51,480 --> 00:34:54,719
Speaker 3: health historically has been seen as something that's always like okay, cool,

779
00:34:54,760 --> 00:34:57,560
Speaker 3: Like are you seeing a psychologist, You'd immediately think that

780
00:34:57,640 --> 00:35:00,719
Speaker 3: someone was mentally unwell, whereas now it's like, oh you're

781
00:35:00,719 --> 00:35:03,520
Speaker 3: seeing a psychologists. Great, Like keep that in check, like

782
00:35:03,920 --> 00:35:06,520
Speaker 3: it's a good thing to talk to people, but also

783
00:35:06,640 --> 00:35:09,000
Speaker 3: don't forget it's okay to sometimes tap out. It is

784
00:35:09,040 --> 00:35:11,560
Speaker 3: okay to go you know what. I just can't this weekend.

785
00:35:11,840 --> 00:35:14,080
Speaker 3: I'm not gonna go out. I'm gonna just stay home.

786
00:35:14,120 --> 00:35:16,200
Speaker 3: I'm gonna sleep in and go for a walk. Like

787
00:35:16,440 --> 00:35:19,560
Speaker 3: there is something so special about being able to give

788
00:35:19,560 --> 00:35:23,000
Speaker 3: yourself an entire sunday, Like it can be really hard

789
00:35:23,000 --> 00:35:26,040
Speaker 3: at UNI because sometimes you're working and then you are studying,

790
00:35:26,080 --> 00:35:28,400
Speaker 3: and then you're working and there's never this off period.

791
00:35:28,840 --> 00:35:31,759
Speaker 3: Give your self day sleeping, have a big jug of

792
00:35:31,800 --> 00:35:33,560
Speaker 3: water in the morning, and go for a walk and

793
00:35:33,600 --> 00:35:35,839
Speaker 3: put your phone on silent and leave it in a drawer.

794
00:35:36,239 --> 00:35:38,839
Speaker 3: Like I know that those are little things, but your

795
00:35:38,880 --> 00:35:41,640
Speaker 3: mental health it doesn't have to cost thousands. You don't

796
00:35:41,680 --> 00:35:44,600
Speaker 3: need to go do fancy pilates classes or yoga classes.

797
00:35:44,760 --> 00:35:47,279
Speaker 3: You can jump on yoga with Adrian on YouTube and

798
00:35:47,320 --> 00:35:49,200
Speaker 3: do a free one in your lound room. And I

799
00:35:49,320 --> 00:35:53,480
Speaker 3: promise you just moving your body, especially while you are stressed,

800
00:35:53,560 --> 00:35:56,640
Speaker 3: is going to make you less stressed. Yeah, anyway, I

801
00:35:56,640 --> 00:35:57,360
Speaker 3: hope that was helpful.

802
00:35:57,680 --> 00:35:59,160
Speaker 4: Well, do that was motivational?

803
00:36:00,400 --> 00:36:02,200
Speaker 3: No, just like I didn't ever think I'd become this

804
00:36:02,239 --> 00:36:04,840
Speaker 3: person that people come to for motivational speeches. But like

805
00:36:04,960 --> 00:36:07,680
Speaker 3: it is hard and we need to put future us first.

806
00:36:07,880 --> 00:36:10,680
Speaker 3: But like future us is important. Great, we're trying to

807
00:36:10,680 --> 00:36:13,480
Speaker 3: put them first, but current you is also important. And

808
00:36:13,520 --> 00:36:15,719
Speaker 3: I say this all the time, like you just need

809
00:36:15,760 --> 00:36:18,200
Speaker 3: to look after you because you only have one body.

810
00:36:18,239 --> 00:36:21,560
Speaker 2: Treat it right and taking a day off here or there, Like,

811
00:36:21,640 --> 00:36:25,040
Speaker 2: that's a really positive thing to do to help your

812
00:36:25,080 --> 00:36:28,960
Speaker 2: mental health and to help you perform efficiently and effectively exactly.

813
00:36:29,040 --> 00:36:31,960
Speaker 3: And if you can't do that, that's also okay. Don't

814
00:36:32,040 --> 00:36:33,960
Speaker 3: put the pressure on yourself to take off a day

815
00:36:34,000 --> 00:36:36,480
Speaker 3: when you're like, Victoria really can't do that. But how

816
00:36:36,520 --> 00:36:38,640
Speaker 3: about have a think about the things that are adding

817
00:36:38,680 --> 00:36:40,680
Speaker 3: to your mental load? How do you take some of

818
00:36:40,719 --> 00:36:44,040
Speaker 3: those things off? Like are you coming straight home from

819
00:36:44,120 --> 00:36:46,960
Speaker 3: work even if it is like nine pm and playing

820
00:36:46,960 --> 00:36:48,960
Speaker 3: on your phone until you go to bed? Like, how

821
00:36:48,960 --> 00:36:50,919
Speaker 3: about have a bath when you get home from work,

822
00:36:51,000 --> 00:36:54,480
Speaker 3: Light a nice candle, put a cute playlist on on Spotify,

823
00:36:54,719 --> 00:36:57,120
Speaker 3: and sit in the bath for half an hour, Like

824
00:36:57,280 --> 00:36:59,799
Speaker 3: that is going to disconnect to you from the day

825
00:36:59,800 --> 00:37:02,680
Speaker 3: that was to having a really good sleep. Like I

826
00:37:02,760 --> 00:37:05,640
Speaker 3: find that social media and just having your phone on

827
00:37:05,680 --> 00:37:08,120
Speaker 3: you and a screen on you twenty four seven really

828
00:37:08,160 --> 00:37:10,160
Speaker 3: weighs on you in a way that I don't think

829
00:37:10,200 --> 00:37:12,359
Speaker 3: people understand as well as they could.

830
00:37:12,360 --> 00:37:14,040
Speaker 2: It icky after a while, like if I've been looking

831
00:37:14,080 --> 00:37:15,759
Speaker 2: at my phone for too long, I'm like, oh, like

832
00:37:15,840 --> 00:37:17,279
Speaker 2: I need I just need to like look at a

833
00:37:17,320 --> 00:37:20,440
Speaker 2: tree for a while yeah, literally, but like, come home

834
00:37:20,719 --> 00:37:23,120
Speaker 2: nine PM's not too late. I know you're probably not

835
00:37:23,120 --> 00:37:25,480
Speaker 2: going to sleep well because you haven't switched off anyway,

836
00:37:25,680 --> 00:37:28,560
Speaker 2: Do a quick stretch session from a free yoga video

837
00:37:28,640 --> 00:37:32,239
Speaker 2: on YouTube, like, do something for you. I don't care

838
00:37:32,280 --> 00:37:34,080
Speaker 2: what it is, even if it's a cup of tea

839
00:37:34,160 --> 00:37:37,520
Speaker 2: on the couch, even if it's cat videos on YouTube, like, I.

840
00:37:37,440 --> 00:37:40,040
Speaker 3: Don't mind, But what are you going to do for

841
00:37:40,120 --> 00:37:42,279
Speaker 3: you today? And I think that that's probably a great

842
00:37:42,320 --> 00:37:44,560
Speaker 3: place to leave it. One hundred percent. You well said,

843
00:37:44,800 --> 00:37:47,120
Speaker 3: thank you. But just before we head off, we'd like

844
00:37:47,160 --> 00:37:50,200
Speaker 3: to acknowledge and pay respect to Australia's Aboriginal and Torres

845
00:37:50,239 --> 00:37:53,680
Speaker 3: Strait Islander people's. They're the traditional custodians at the lands,

846
00:37:53,719 --> 00:37:57,080
Speaker 3: the waterways and the skies all across Australia. We thank

847
00:37:57,120 --> 00:37:58,960
Speaker 3: you for sharing and for caring for the land on

848
00:37:59,000 --> 00:38:01,440
Speaker 3: which we are able to. We pay our respects to

849
00:38:01,480 --> 00:38:04,080
Speaker 3: elders past and present, and we share our friendship and

850
00:38:04,160 --> 00:38:04,960
Speaker 3: our kindness.

851
00:38:05,400 --> 00:38:07,680
Speaker 2: Andrew remember guys that the advice shared on She's on

852
00:38:07,719 --> 00:38:10,200
Speaker 2: the Money is general in nature and does not consider

853
00:38:10,280 --> 00:38:14,120
Speaker 2: your individual circumstances. She's on the Money exists purely for

854
00:38:14,280 --> 00:38:16,880
Speaker 2: educational purposes and should not be relied upon to make

855
00:38:16,920 --> 00:38:20,880
Speaker 2: an investment or a financial decision, and we promise. Victoria

856
00:38:20,920 --> 00:38:24,720
Speaker 2: Devine is an authorized representative of Australia Pacific Funds Management

857
00:38:25,080 --> 00:38:28,319
Speaker 2: Proprietary Limited ABN three four one three two four six

858
00:38:28,400 --> 00:38:32,000
Speaker 2: three two five seven AFSL three three nine one five

859
00:38:32,280 --> 00:38:35,520
Speaker 2: one Until next week, guys, see you SI