Speaker 1: She's on the Money. She's on the Money.
Speaker 2: Hello, and welcome to She's on the Money, the podcast
Speaker 2: for millennials who.
Speaker 3: Want financial freedom.
Speaker 2: Welcome back to another one of our Friday Drinks episodes
Speaker 2: from Lockdown once again, where we get to celebrate the
Speaker 2: money wins from our She's on the Money community. As
Speaker 2: we all know, there are heaps, literally hundreds, and I
Speaker 2: would almost say thousands of money winds shared in our
Speaker 2: community each and every single week, and now is the
Speaker 2: time for us to make them shine so tony before
Speaker 2: we jump into the winds this week, can you tell
Speaker 2: us what happened on Monday's Money Diary.
Speaker 4: Our money diarist this week shared her journey from coming
Speaker 4: from South America to a US Australia and how she's
Speaker 4: got limitations on how much she can work on her
Speaker 4: visa while she's in OZ and just talked about kind
Speaker 4: of some ways that you can try and get through
Speaker 4: the visa process if it's something you're looking into or
Speaker 4: you've done it before. I think it was a really
Speaker 4: good one because we had quite a few messages of
Speaker 4: people saying they related to that, or they'd looked at
Speaker 4: moving overseas or moving to Australia and had kind of
Speaker 4: been through a similar process, and I think it was
Speaker 4: a nice different one that got a lot of people
Speaker 4: in the heart because she could only work a few
Speaker 4: hours a week and stuff, and even though she used
Speaker 4: to earn an exorbitant amount of money per year USD,
Speaker 4: then moving here can only work twenty hours a week.
Speaker 3: So yeah, it was a really good one.
Speaker 5: Sep be insightful, hey into something that obviously I personally
Speaker 5: have never experienced. I found that diary really interesting.
Speaker 6: In my course at Melbourne UNI, we have lots of
Speaker 6: international students and same thing. You kind of just assume like, oh,
Speaker 6: you can do a summer internship and they're like, oh,
Speaker 6: but we're not allowed to work more than twenty hours
Speaker 6: a week, so it's pretty NiCd yah. Even though it's
Speaker 6: for four weeks of the year, they're still not allowed
Speaker 6: to do it. And a lot of students will work
Speaker 6: crazy hours in the UNI breaks so then they can,
Speaker 6: but they can't do that because of that twenty hour limit,
Speaker 6: so it actually is pretty inflexible and it makes it
Speaker 6: really tricky. So yeah, I hear lots of stories like
Speaker 6: that and it was great to get a bit more
Speaker 6: insight on Monday.
Speaker 2: It's so nice that our community want to share that
Speaker 2: stuff with us too, because that's that's something that they
Speaker 2: didn't have to take the time to share. Like it
Speaker 2: was an arduous story, like it was hard to tell,
Speaker 2: Like there's a lot of parts to it, and like
Speaker 2: I think that Tony and I really appreciated the intricacy
Speaker 2: of the story as well, because we've got to understand like, well,
Speaker 2: how did you make money and what were you earning
Speaker 2: before and what are you earning now? And it was
Speaker 2: just like, Wow, she's achieved so much. And from my perspective,
Speaker 2: I've only ever learned about international students just by you know,
Speaker 2: being with them in class and like having chats and
Speaker 2: you're not going to turn to your peers and go, hey, Ryan,
Speaker 2: how do you afford UNI?
Speaker 7: Like that is that something I shouldn't be doing.
Speaker 2: Of all people, you'd get away with it, but it's
Speaker 2: just not something that I'd had the conversation about. And
Speaker 2: I just feel like that's a really special position to
Speaker 2: be in, to be given the intricate details to go, wow,
Speaker 2: that actually would be such a struggle.
Speaker 4: Yeah, And also to hear that she has to pay
Speaker 4: for all of her UNI upfront, but has to keep
Speaker 4: doing courses to keep her visa, you know, legitimate, And
Speaker 4: it was just it was really interesting because I mean
Speaker 4: I never had to go through any of that, and
Speaker 4: it was just quite an eye opening story. So it
Speaker 4: was nice to hear that the community really resonated with
Speaker 4: it as well.
Speaker 2: Yeah, I loved it, And you know what else, I
Speaker 2: loved Wednesday's episode, So jess what happened on Wednesday?
Speaker 5: On Wednesday, you and George spoke all about teaching kids
Speaker 5: about money, because we've kind of come to these places
Speaker 5: where our community has learned so much ourselves, and we
Speaker 5: know that a huge portion of our community have families
Speaker 5: or nieces or nephews or brothers and sisters that they
Speaker 5: want to pass that information onto, but obviously it's a
Speaker 5: little more challenging to scale it back so that it's
Speaker 5: consumable for a child. So we spoke about a few
Speaker 5: different ways that you can kind of teach the value
Speaker 5: of money and saving, and there's a really good thread.
Speaker 5: We post a wrap of the podcast every week in
Speaker 5: the Facebook group and we ask for people to share
Speaker 5: their own suggestions of how they've taught their kids, and
Speaker 5: there was some really, really great ideas on there as well,
Speaker 5: and it pairs nicely because quite a while ago now,
Speaker 5: we actually did an episode on investing for kids, and
Speaker 5: that's something else that kind of comes up hand in hand.
Speaker 5: But there's no point necessarily investing if you don't teach
Speaker 5: your kids and the value of money. At least that's
Speaker 5: kind of how I feel. Because you can lead a
Speaker 5: horse to water, you can't make it drink. And you know,
Speaker 5: it's awesome that people want to put together these great
Speaker 5: portfolios and set their kids up, but if they don't
Speaker 5: understand the value of what you're essentially gifting them, you know,
Speaker 5: is that a little bit you know, over their heads
Speaker 5: or wasted. So it's really cool to see these people
Speaker 5: taking the steps and taking the time to make sure
Speaker 5: that the next generation is going to be so educated
Speaker 5: and they're going to be so aware and hopefully able
Speaker 5: to build themselves these really amazing lives that we all
Speaker 5: dream of, hopefully.
Speaker 2: And I think that that was my favorite part of
Speaker 2: the episode because a lot of learning actually comes from
Speaker 2: our own experiences and us actually being really good at money.
Speaker 2: Because kids, and I've said this probably a million times before,
Speaker 2: but they learn through your actions, So you could sit
Speaker 2: them down, or I could sit my niece and nephew
Speaker 2: down and be like, all right, Oscar Georgia, are you ready?
Speaker 2: This is what compound interest is. Like, I know you're
Speaker 2: twoing for, but that.
Speaker 3: Is not the point.
Speaker 2: What you're going to do is learn about compound interest,
Speaker 2: and this is how to evaluate an ETF. This is
Speaker 2: what an index portfolio is. And I think it's one
Speaker 2: of those things where it's not about sitting them down
Speaker 2: and necessarily teaching them, but rather leading by example and
Speaker 2: showing them what that means and involving them in the
Speaker 2: household budgeting and grocery shopping and teaching them what money
Speaker 2: actually looks like. So from my perspective, it's a lot
Speaker 2: of yeah, cool, let's teach kids about money, but it's
Speaker 2: also a little bit of a kick in the bottom
Speaker 2: to go. You need to actually get your stuff together
Speaker 2: because they're going to learn your habits.
Speaker 3: Yeah. So moving on.
Speaker 2: Every week, Ryan, you tell us your favorite money wins
Speaker 2: from the She's on the Money community.
Speaker 3: So what have you got for us this week?
Speaker 6: All right, First of all, coming up, there's fake news
Speaker 6: in these money wins.
Speaker 2: Fake news She's on the Money community is.
Speaker 6: About someone I know, and I hate to point it out,
Speaker 6: but someone's lying to us, and I'll get to that soon.
Speaker 6: First of all, Jenna, she said, this morning was the
Speaker 6: first morning in eight years that I've woken up to
Speaker 6: zero balance on both my and my husband's credit cards.
Speaker 3: I'm so exciting, She said.
Speaker 6: They've been in debt for eight years, but in the
Speaker 6: last twenty months they've really knuckled down and made a
Speaker 6: really conscious effort, and today was that day they woke
Speaker 6: up zero zero, clean slate. Well done to Jenna and
Speaker 6: her husband. That's pretty impressive. Now, I've had a few
Speaker 6: of these recently, and if you don't ask, you don't get.
Speaker 6: We've always talked about this, Emma said, I've been annoying
Speaker 6: my boss and operations manager with all my research on
Speaker 6: why I deserve a five kpay rise. Well, today not
Speaker 6: only did I get one, but they doubled it and
Speaker 6: gave me an extra ten thousand dollars, which is nearly
Speaker 6: twenty one percent, and they backdated it to the start
Speaker 6: of the financial year when we started having these conversations.
Speaker 3: What I'm mad is awesome. That is exciting.
Speaker 2: Also, props to you on having the confidence to put
Speaker 2: something together and pitch it.
Speaker 3: I love that.
Speaker 7: Yeah, it's pretty impressive.
Speaker 6: Now this is pretty crazy, actually, Vanessa said, I woke
Speaker 6: up this morning and randomly remembered I bought stock six
Speaker 6: months ago, and I haven't looked at it.
Speaker 7: I haven't checked, totally forgot about it.
Speaker 6: So she picked up her phone and learned that the
Speaker 6: stock had risen two hundred and fifty percent.
Speaker 3: Six months, like a hawk.
Speaker 6: Well it's funny you mentioned hawk because this, I said,
Speaker 6: tell me more. The stock is called metal Hawk, and
Speaker 6: I looked it up on Monday. It was worth Just
Speaker 6: this Monday, it was worth about nineteen cents to share,
Speaker 6: and I just checked before it's up to eighty cents.
Speaker 6: So even this week, it's gone from nineteen to eighty.
Speaker 6: So Vanessa, oh my god, Wow, it's done a delicious surprise.
Speaker 2: How exciting for her.
Speaker 6: Joe, So tell me if this is a thing Joe purchased.
Speaker 6: It's not Vanilla, but it looks like vanilla vaa l
Speaker 6: I a yogurt?
Speaker 7: Is that a thing? Yeah, that's exactly what I said.
Speaker 6: Not Vanillia, all right, and she entered the code to
Speaker 6: win a garment watch. Apparently, you know, it's one of
Speaker 6: those ends of the codes if you're in, she said.
Speaker 6: I assumed it was a you go into the draw,
Speaker 6: but it turns out there's an instant winner every hour
Speaker 6: and she won a Garmin Venu SQ Music Edition watch,
Speaker 6: valued at four hundred and twenty nine dollars.
Speaker 5: A Money said, speaking of winning, has McDonald's monopoly got
Speaker 5: anybody yet? Because but we all know it was getting you, Jess.
Speaker 3: I haven't won anything, but I've put on a lot
Speaker 3: of watch.
Speaker 5: I actually have gotten to the level of like crazy
Speaker 5: where I'm joining Facebook groups to try.
Speaker 3: And tell me.
Speaker 5: Killing me?
Speaker 6: All right, can I suggest a thread for next week
Speaker 6: and for next week's money wins?
Speaker 7: What have you won from McDonald's monopoly, or just what
Speaker 7: have you won? In general?
Speaker 2: Now? What have you won from McDonald's monopoly?
Speaker 7: Okay's morning here?
Speaker 2: Like the specifics of how that worked and.
Speaker 6: What was going on because every year we all spend
Speaker 6: thousands of dollars and fifteen kilos of our own into
Speaker 6: this and who is actually coming out on top.
Speaker 4: This is off topic, but have you guys watched mcmillions,
Speaker 4: the documentary The Corrupt World of McDonald's Monopoly. It's on
Speaker 4: I think it's on Binge and little money win. I'm
Speaker 4: pretty sure that if you're with Telstra you're eligible for
Speaker 4: like three months of binge at a time and stuff
Speaker 4: like that. So if you're a Telstra Plus member, definitely
Speaker 4: have a look into that because you can get some
Speaker 4: free binge and watch millions. Because it's amazing that.
Speaker 5: I'm not going to win the outdoor barbecue? Is that
Speaker 5: with this conversation on.
Speaker 2: To barbecue for Jessica, I cannot imagine you're using one.
Speaker 3: We use our barbecue all the time, jes No judgment.
Speaker 5: It's like the Australian dream judgment.
Speaker 3: Yeah no, because I thought the same.
Speaker 4: I was like, I'll never use a barbecue, like maybe
Speaker 4: once a year if we have friends over and we
Speaker 4: cooked like sausages or something, but we actually use it
Speaker 4: all the time.
Speaker 3: It's very handy.
Speaker 4: We want to get the Webber pizza stone.
Speaker 7: Yeah. Thanks. I have to think feel on that.
Speaker 6: Because of the because of the price of property, the
Speaker 6: Australian dream has been reduced from owning a house to
Speaker 6: owning aet.
Speaker 3: You're now like, I'll settle for the barbecue.
Speaker 5: It's really fancy. It's like a whole kitchen. Sweet. But anyway,
Speaker 5: back on topic, Brian, what was the next.
Speaker 3: One, Jessica?
Speaker 2: Next week, let us know what monopoly tile things you
Speaker 2: need and we'll put a call out to the community.
Speaker 2: We're going to get this barbecue for you, my love,
Speaker 2: just like we got you a cat.
Speaker 3: Yeah, remember the time we got you a cat. That's
Speaker 3: so true.
Speaker 6: Are you ready to hear about the liar that is Tanisha?
Speaker 3: Already?
Speaker 6: Tanisha is lying to all of us. This is fake news.
Speaker 6: I don't believe a word she said.
Speaker 2: Wait, hold on, is this you don't believe it or
Speaker 2: it is legitimate fake news?
Speaker 7: I don't believe it?
Speaker 3: Okay. What was Tanisha's win?
Speaker 6: Tanisha claims that she asked her Jim to cancel her
Speaker 6: membership and they did it. And I think we can
Speaker 6: all agree that is ball because that doesn't happen. So
Speaker 6: bad luck. Good try Tanisha Bailey. Now, Bailey, this is
Speaker 6: a massive money win. She was on the public weightlist
Speaker 6: to get a breast reduction and she was almost about
Speaker 6: to give up because she was on the waitlist for
Speaker 6: so long. So she met with you know the private
Speaker 6: route that you have to pay for fifteen thousand dollars
Speaker 6: and she was just about to fork out the cash.
Speaker 6: But then she got the call from the public weightlist
Speaker 6: and I can confirm that she is currently just recovering
Speaker 6: because she's had the surgery done.
Speaker 7: Everything went well, and so she's.
Speaker 6: Messaging, like I said, resting up, And she said, fifteen
Speaker 6: thousand dollars save. That's a lot of money I can
Speaker 6: spend on new bras and new clothes to go with
Speaker 6: my new boots. So you congradula patients.
Speaker 3: Yeah, maybe a barbecue. That is not what we are grilling.
Speaker 7: And the final money in this week is from Malanie.
Speaker 6: She said, I started a DIY graphic design business called
Speaker 6: Canvra and this week it's worth forty billion dollars.
Speaker 7: Hashtag money win. Well done val coventulations of that.
Speaker 6: Mel Perkins, great work mate, congratulations nice all side hustle story.
Speaker 7: Just to spice, is she in it?
Speaker 5: What is she in our community?
Speaker 2: No?
Speaker 3: I think it might be a little joke. Okay, it's like,
Speaker 3: surely not.
Speaker 6: If every single person in our group had one hundred
Speaker 6: million dollars each, they still wouldn't be worth collectively as
Speaker 6: much as Mel Perkins started. It's just seven years ago.
Speaker 5: And if that tap you to just give it a crack.
Speaker 3: That is so inspirational.
Speaker 6: Yeah, if you want to start a forty billion dollar business,
Speaker 6: go for it. If you want a barbecue, go for it.
Speaker 6: Leave your truth, everyone go for it.
Speaker 5: You guys can leave me one.
Speaker 3: But to go back to her for a hot second.
Speaker 2: She also came out earlier this week and said that
Speaker 2: her and her business partner are actually planning on donating
Speaker 2: thirty percent of that income, which is crazy and you
Speaker 2: often don't see people with such wealth making such public
Speaker 2: declarations with such high percentages of profit that's going to
Speaker 2: go to charity. Like we know that Bill Gates donates
Speaker 2: a lot more, always like oh my gosh, how philanthropic,
Speaker 2: But it's literally less than one percent of his worth.
Speaker 2: So I think it's one of those things where you're like, wow, wow,
Speaker 2: thirty percent. That is huge and something that we absolutely
Speaker 2: should be celebrating.
Speaker 6: What a legend well done out of Perth that started
Speaker 6: and now one of the biggest tech companies in the world.
Speaker 2: So get room in perfose. Well, it wasn't just like
Speaker 2: a little tech company. She was doing it in her bedroom.
Speaker 4: And that's all they say. They go mel Perkins, then
Speaker 4: they go Tony Lodge. It's like the same breadth.
Speaker 7: Of her.
Speaker 2: Laurright jumping straight back in Tony, you haven't stopped talking
Speaker 2: about Christmas this week?
Speaker 4: Why so this week we've crossed a huge milestone. It
Speaker 4: is less than one hundred days till Christmas.
Speaker 3: I'm at it. I know of course Jess is excited.
Speaker 3: Jess's house is probably already decorated.
Speaker 5: I was looking at Christmas trees online this week.
Speaker 4: So one hundred days to Christmas, which means it's only
Speaker 4: fourteen weeks away. And I know what you're thinking, it's September.
Speaker 4: We've got ages, but you actually don't have ages.
Speaker 3: So I've done with the hard hitting truth you don't
Speaker 3: have ages.
Speaker 4: You don't have it's going to come around in the
Speaker 4: blink of an eye. We all know what happens every.
Speaker 2: Year, if every year, Yet I am never more prepared.
Speaker 5: If you're paid monthly, it's only three pay days.
Speaker 2: If you're it's even scarier if you're paid.
Speaker 5: Fortnightly at six So it's actually like we need to
Speaker 5: be thinking about it. If you're one of those people
Speaker 5: who was not prepared.
Speaker 2: With the train, you start planning what you're getting me
Speaker 2: for Christmas?
Speaker 4: Yeah, well, actually, now that you mention it what we've done.
Speaker 4: Jess and I got together, we did some calculations before
Speaker 4: jumping on today, and we figured out how much extra
Speaker 4: you need to save for an extra five hundred dollars,
Speaker 4: thousand dollars two and a half thousand dollars and five
Speaker 4: thousand dollars for that extra money for Christmas?
Speaker 3: Genius?
Speaker 2: So can we can we get into the nitty gritty
Speaker 2: of it?
Speaker 3: How much?
Speaker 2: So is this per week saving or per month? How
Speaker 2: have you guys calculated this?
Speaker 3: I did per week and per fortnight?
Speaker 7: Check you out?
Speaker 4: Okay, So if you would like an extra five hundred
Speaker 4: dollars for Christmas, you need to save thirty six dollars
Speaker 4: a week or seventy two dollars a fortnight.
Speaker 3: That's pretty good, not bad.
Speaker 4: So I mean an extra five hundred dollars depending on
Speaker 4: who you have to buy for, how much you plan on,
Speaker 4: you know, spending on lunch and things like that. I
Speaker 4: think of extra five hundred dollars would do wonders for
Speaker 4: people at Christmas.
Speaker 2: Absolutely it would. And it's always the small stuff that
Speaker 2: adds up. And last year we did an episode on this,
Speaker 2: and I am sure that with Jessica on our team
Speaker 2: this year, we are going to have an abundance of
Speaker 2: Christmas episodes coming up.
Speaker 3: But we spoke about all of those.
Speaker 2: Incidental costs at Christmas time. So it's the extra bottle
Speaker 2: of wine that you take because you're going to your
Speaker 2: friend's house for dinner, And it's the chop that you
Speaker 2: buy to make sure that you've got a gift to
Speaker 2: give somebody, And it's the cost of all the additional
Speaker 2: things that you've got to buy to have people over
Speaker 2: to host, like the napkins and the cups and the plates,
Speaker 2: and even the food is obviously expensive, but five hundred
Speaker 2: bucks that would do wonders.
Speaker 4: So I also worked out how much you would need
Speaker 4: to save to have an extra one thousand dollars, and
Speaker 4: that's you know, that's a lot of money. So that
Speaker 4: would that would be seventy two dollars per week or
Speaker 4: one hundred and forty three dollars a fortnight.
Speaker 2: So I got too unreasonable because a lot of people
Speaker 2: are going to spend that amount come Christmas time. So
Speaker 2: this is kind of like taking this sting out of.
Speaker 3: It in a way.
Speaker 4: Yeah, and I think that a lot of people is
Speaker 4: probably this is probably when the more organized people would
Speaker 4: start thinking about saving for Christmas. I know, I do
Speaker 4: my Christmas shopping. If I ever actually do Christmas shopping,
Speaker 4: it's literally always on Christmas Eve or the day before, Like.
Speaker 3: My house is always decorated and all of that.
Speaker 4: But I do Christmas actual present shopping, you know, two
Speaker 4: days before and all the food. You can only do
Speaker 4: that two days before, and with that anxiety. I need
Speaker 4: anxiety a lot, So it is a challenge mode.
Speaker 3: Yeah, okay, I like that. Sorry, when need wanted that?
Speaker 4: Okay, So if you wanted an extra two and a
Speaker 4: half thousand dollars, which is all pretty good gifts for
Speaker 4: your mates, one hundred and seventy nine dollars per week
Speaker 4: or three hundred and fifty eight dollars a fortnite, which
Speaker 4: you know, that's a lot of money for people to
Speaker 4: put away. I don't know a lot of people that
Speaker 4: could put away one hundred and eighty dollars a week
Speaker 4: on top of probably what they're already spending or putting
Speaker 4: away for you know, their bills and fun money and
Speaker 4: all of that.
Speaker 3: Kind of thing.
Speaker 4: But to have an extra two and a half thousand
Speaker 4: dollars at Christmas if you needed it, you know, if
Speaker 4: you're buying gifts for your kids and you wanted to
Speaker 4: spoil them, or if you were hoping to go away
Speaker 4: for the weekend or something like that, you know you
Speaker 4: might need a little bit extra in the kiddie.
Speaker 5: A lot of people are traveling at that time of year,
Speaker 5: and I feel like it's something you forget, Like it's
Speaker 5: the petrol to drive three hours, you know, down the
Speaker 5: coast to see your family, or like if you're road
Speaker 5: tripping it you need to get lunch on the way.
Speaker 5: Like there's all those little things as well, and like
Speaker 5: extra two and a half grand like would make a
Speaker 5: big difference.
Speaker 2: Yeah, it's also nice to know that this is how
Speaker 2: much I could save, so it's not necessarily saying you
Speaker 2: have to save this so that you spend it.
Speaker 3: Like maybe you.
Speaker 2: Want another two grand before the end of the year,
Speaker 2: or maybe you haven't been as strict on your savings,
Speaker 2: or maybe you want to do it, but you actually.
Speaker 3: Don't have that cash flow.
Speaker 2: So you've got more than enough time to do it,
Speaker 2: Jessica Ricci and really hustle that up and maybe sell
Speaker 2: some things, and like your goal is there, like one
Speaker 2: hundred and eighty or two hundred bucks a week to
Speaker 2: make sure that that goal is met, which is obviously
Speaker 2: much easier than waiting till Christmas Eve to do your
Speaker 2: shopping and work out where the budget's coming from. But
Speaker 2: that could be a fun end of the year challenge.
Speaker 3: For yourself if you wanted to do it.
Speaker 4: And this is a bit of a crazy one, but
Speaker 4: I thought it is again just a really demonstrator of
Speaker 4: how you break the money down and actually doesn't seem
Speaker 4: as out of control. If you wanted an extra five
Speaker 4: thousand dollars for Christmas, three hundred and fifty eight dollars
Speaker 4: per week or seven hundred and fifteen dollars a fortnite,
Speaker 4: which is not doable for most people, myself included. I
Speaker 4: don't think there are many people that could do that.
Speaker 4: But when you break it down, it's actually pretty doable
Speaker 4: to think about that.
Speaker 2: You know that same as much you said five grand
Speaker 2: I by the end of the year, I'd be like,
Speaker 2: that's heaps, But like as much as three hundred and
Speaker 2: fifty bucks a week is a lot of money, Like,
Speaker 2: if that's in your capacity, it doesn't feel like as
Speaker 2: much as five grand does.
Speaker 4: I don't know, and I know that I spend money
Speaker 4: like here and there, spend a little bit of money
Speaker 4: here or yeah, you grab fuel or buy something for
Speaker 4: yourself and it doesn't feel like much, but a lot
Speaker 4: of twenty dollar transactions adds up.
Speaker 3: To heaps of cash.
Speaker 4: So it might be the difference between you know, having
Speaker 4: a nice dress to wear on Christmas Day versus you know,
Speaker 4: getting a you McDonald's monopoly token.
Speaker 2: I watched you guys actually spend on Christmas, Like what's reasonable?
Speaker 2: Because we just went through that and were like, here's
Speaker 2: an extra five hundred dollars. Also, here's extra five grand.
Speaker 2: I would never spend five grand at Christmas. I know
Speaker 2: families do and that's cool, but like, what's reasonable for
Speaker 2: a gift?
Speaker 3: Tony Jesson Ryan.
Speaker 5: It really depends on the person, like the amount of
Speaker 5: money that I like. My partner and I are big
Speaker 5: on Christmas, and I know it kind of goes two
Speaker 5: ways with partners. Either you just really don't care, or
Speaker 5: you just want to make something you know, really sentimental
Speaker 5: and not spend any money, or you like to go
Speaker 5: all out and our partnership like if you could in Dell,
Speaker 5: I love special occasions and I love Christmas, and it's
Speaker 5: just something like as a kid. You know, we were
Speaker 5: a single income family, and it was always the time
Speaker 5: of year that we really went all out and my
Speaker 5: parents worked really hard and they absolutely were putting like
Speaker 5: fifty bucks away a fortnight or something to have that
Speaker 5: money at Christmas. And so that's something that I still
Speaker 5: feel as an adult is I'm like, I'm pretty tie
Speaker 5: on my budget throughout the year and Christmas all bets
Speaker 5: are off.
Speaker 3: Special that you've taken that through your life.
Speaker 5: Yeah, so I even with that being said, I don't
Speaker 5: think it would be all that much then like maybe
Speaker 5: five to seven hundred, which is still a lot of money.
Speaker 5: Five to seven hundred dollars is heaps of money, but
Speaker 5: that would be gifts for like, and I don't do
Speaker 5: gifts for everybody. It's kind of my really close friend
Speaker 5: group like family and my partner. And then like, well,
Speaker 5: I'm grouping you guys in with my friends.
Speaker 2: But like cool, did just see that Tony Ryan, we're
Speaker 2: friends with jess didn't feel like it doesn't taking it
Speaker 2: run with it.
Speaker 7: Big as risk there from Jessica Riccy.
Speaker 5: Gifts a little decorating budget and then yeah, like a
Speaker 5: little extra buffer for like wine or chocolate or like
Speaker 5: just incidental things like that. But for me, it would
Speaker 5: definitely be like five to seven hundred.
Speaker 3: Which feels like a lot of money, but it's so quickly.
Speaker 5: I'm really and that's the thing. We're like, oh, like
Speaker 5: five hundred dollars isn't a lot, but like I definitely
Speaker 5: want to recognize that that is so much money.
Speaker 3: Yeah, absolutely for us.
Speaker 4: Like so both my boyfriend and I's families in Perth,
Speaker 4: and a few years ago we went to Perth for
Speaker 4: Christmas and it was definitely around the five or six
Speaker 4: thousand dollar mark. Yeah, you know for flights to get
Speaker 4: over there, you know, staying somewhere, and then also you're
Speaker 4: seeing so many more people, so you're buying presents for
Speaker 4: that's a week of people, rather than when we're in
Speaker 4: Melbourne it's just the two of us. We might buy
Speaker 4: something small for each other and then we normally do
Speaker 4: like a big orphan Christmas lunch with like our friends
Speaker 4: that live here that don't have family and which we love.
Speaker 4: So it's closer to the five hundred dollar mark, and
Speaker 4: we might do like a Chris Kringle or something for
Speaker 4: one hundred dollars, So ours is probably closer to five
Speaker 4: hundred and for us, the seventy two dollars a fortnight
Speaker 4: is extremely doable.
Speaker 6: Yeah, yeah, I Bridget and Night never buy each other presents, yeah,
Speaker 6: and wouldn't spend I don't think i'd buy any presents
Speaker 6: at Christmas. And the only thing that we'd spend money
Speaker 6: on would be, like, you know, twenty dollars for like
Speaker 6: the office.
Speaker 7: Chris Kringle maybe, and it might be And.
Speaker 6: It just occurred to me how wanky I probably sound sometimes,
Speaker 6: but we would spend a little bit of money just
Speaker 6: making sure that, like we had a really nice big
Speaker 6: roast and a nice bottle of wine for lunch on
Speaker 6: Christmas Day.
Speaker 7: So for us, it would literally just be food and
Speaker 7: that's it.
Speaker 6: And actually, now that when you mentioned that, my friends
Speaker 6: have an awphan Christmas on Christmas Night, which is everyone
Speaker 6: who doesn't have family around just gets together and we
Speaker 6: usually take it.
Speaker 7: It's almost like a joke present.
Speaker 6: And I always get a bucketo shots Whicheveryone whoever gets
Speaker 6: that one always hates it and as soon as they
Speaker 6: open it, they're like, damn it, Bryan.
Speaker 2: But I love that because it's the trashiest gift and
Speaker 2: I'm sure it's not there by the end of the night.
Speaker 6: It doesn't last very long at all. It's always it's
Speaker 6: one of those it's always hated. But as you said,
Speaker 6: Ve doesn't seem to last very long.
Speaker 4: Where do you think you see, Victoria. I know you've
Speaker 4: got like a big family and you'll love to gift gift, and.
Speaker 2: Yeah, we're all I feel like my family's really really generous,
Speaker 2: but we over the years have realized that it's not
Speaker 2: feasible for everybody to buy presents. So I'll buy presents
Speaker 2: for my parents, my sister, and my partner, like non
Speaker 2: negotiable and in all honesty, I'll probably spend about one
Speaker 2: hundred dollars each gift, which for my parents feels like
Speaker 2: a lot. But I really like doing that because I
Speaker 2: feel like I can get my dad a few New
Speaker 2: T shirts and like some nice stuff from Country Road,
Speaker 2: and he always likes that. I can treat mom, I
Speaker 2: can treat my sister, and then Steve and I don't
Speaker 2: go like all out with gifts, but I would end
Speaker 2: up spending maybe one hundred dollars on him, and then
Speaker 2: on the family side of things, we actually do Chris Kringles,
Speaker 2: So I'll get one present that I have to buy
Speaker 2: with a fifth dollar limit for my side for like
Speaker 2: the bigger family, and then on Steve's side we will
Speaker 2: get you know, a Chris Kringle about I can't remember.
Speaker 2: I think it's between fifty and one hundred dollar limit
Speaker 2: for presents for his side and then one person and
Speaker 2: then we'll usually buy the kids some small stuff, so
Speaker 2: it might be, you know, coloring books or something. But
Speaker 2: in the last two years we've actually implemented a homemade,
Speaker 2: handmade or second hand gift rule for the kids, So
Speaker 2: it has to be under fifty bucks and it has
Speaker 2: to be homemade, hand made or second hand.
Speaker 3: O witch that that's really nice.
Speaker 7: We hand made me.
Speaker 2: What's your Oh, I haven't handmade anything but last year.
Speaker 2: And this was actually so funny and also so awkward
Speaker 2: because it ended up in a really big argument with
Speaker 2: Steve and I. I found on gum tree or Facebook marketplace,
Speaker 2: can't remember a kid's kitchen.
Speaker 3: And this kid's kitchen was like a pottery bun.
Speaker 2: One was probably like three hundred and fifty bucks to
Speaker 2: begin with, and it came with all the cups, all
Speaker 2: the plates, the little kettle like. Additionally, they'd put in
Speaker 2: there for forty Bucks and this thing was in Fitzroy, right,
Speaker 2: So we called the guy. He was like, yep, come
Speaker 2: pick it up, mate. My daughter has it in her room.
Speaker 2: She's too old for it now. She just wanted to
Speaker 2: give it to a kid that would actually use it
Speaker 2: because it was hard for her to separate from it.
Speaker 2: So like, we're glad that, you know, a little girl
Speaker 2: and a little boy are getting it.
Speaker 3: So we were stoked.
Speaker 2: But we got there and I said to Steve, and
Speaker 2: you guys know that my car is tiny.
Speaker 3: I was like, nah, it'll fit in the back. It's
Speaker 3: a kid's kitchen.
Speaker 2: Turns out it won't fit in the back, And so
Speaker 2: we got to this guy's place, got the kitchen down
Speaker 2: from his apartment. You know, he's standing at the front
Speaker 2: trying to get in the car. No bueno wasn't going
Speaker 2: to happen.
Speaker 3: So on it pretty much was Christmas eve.
Speaker 2: Steve's wearing an ugly Christmas jumper because we were about
Speaker 2: to go to a friend's Christmas drinks and he's standing
Speaker 2: in Fitzroy.
Speaker 3: He's like, you're going to have to go home.
Speaker 2: Switched to my car because he's got a relatively large
Speaker 2: car and drive back so we can take this thing home.
Speaker 2: So he had to sit at like six or seven
Speaker 2: pm Christmas Eve on the street in Fitzroy in an
Speaker 2: ugly Christmas jumper with this kid's kitchen looking like he
Speaker 2: was putting DIBs on hard rubbish.
Speaker 3: So it's just really good.
Speaker 2: And now he won't let me live that down and
Speaker 2: we have learned to always take his car to pick
Speaker 2: things up.
Speaker 5: You would be shocked, though, what you can fit in
Speaker 5: the back of a small car as a driver who
Speaker 5: has a key rio, who formerly had a missing micra,
Speaker 5: I would love to know. I feel like maybe we
Speaker 5: have too many threads though this week already. But what
Speaker 5: have you fit in the back of your small car?
Speaker 5: Because I got an entire ikea couch in my micro
Speaker 5: dig Jazz.
Speaker 6: The greatest, the greatest radio talk topic I've ever done
Speaker 6: was what did you fit in the hatchback?
Speaker 7: And it is wild shit and I guess I'm all
Speaker 7: for it. Please continue? What have you got?
Speaker 2: Has anyone seen that picture of the man standing on
Speaker 2: Exhibition Street in the city trying to get a couching
Speaker 2: to his two door like.
Speaker 3: It's actually hilarious.
Speaker 2: So they weren't blonde?
Speaker 7: You know what?
Speaker 5: If there is a will there is a way, is
Speaker 5: my belief. I don't know how small the car is. Obviously,
Speaker 5: you guys just won't trying hard.
Speaker 4: Okay, so we've got two threads that you guys can
Speaker 4: expect to see today.
Speaker 3: What have you won from McDonald's monopoly and what have
Speaker 3: you fit?
Speaker 2: She is on the money, bringing the educated content to
Speaker 2: the people.
Speaker 4: All right, well, very quickly, do you guys have any
Speaker 4: wins or confessions that you want to share.
Speaker 7: I've got one of the dumbest wins you'll ever hear.
Speaker 3: I've got really good one.
Speaker 2: And Jesse, if you've got a good or a bad one.
Speaker 5: I have a It should have been a win and
Speaker 5: it turned into a loss.
Speaker 3: All right, well you can go first.
Speaker 2: Then Ryan, you can tell us yours and I will
Speaker 2: bring us out on a high.
Speaker 5: I love it so cot it on this time last week.
Speaker 5: There must have been an error in their back end
Speaker 5: because they had thirty percent off site wide, and then
Speaker 5: someone posted and was like, these two coupon codes also apply,
Speaker 5: so it was like an additional forty percent off, meaning
Speaker 5: you basically got seventy percent off of your money. When
Speaker 5: huge I had apparently two pairs of jeans that have
Speaker 5: been sitting in my car on cotton on for ages
Speaker 5: that I was kind of waiting for them to go
Speaker 5: on sale. I was like, amazing, I wanted them. I've
Speaker 5: been sitting on the purchase. What better time to get them.
Speaker 5: So I go to check out and then I'm like, oh,
Speaker 5: you know what, seventy percent off is so good. I'm
Speaker 5: just going to have a little browse of the site
Speaker 5: to see what else I want to buy. So one
Speaker 5: I'm looking to buy things that I wasn't planning on buying,
Speaker 5: which goes against everything that we do say and teach.
Speaker 3: And what we say not as we do guys, especially.
Speaker 5: In this situation, because the problem was that I browsed,
Speaker 5: I added unnecessary things to my car. I probably spent
Speaker 5: like an extra twenty minutes just cruising around. By the
Speaker 5: time I went to check out, someone had obviously realized
Speaker 5: what was going on, and the coupon codes no longer replied.
Speaker 5: I was riding these high of endorphins and just crashed
Speaker 5: straight down to earth.
Speaker 3: Oh did you buy the stuff? Anyway?
Speaker 5: I didn't.
Speaker 3: I was like, didn't even get the genes. They remain
Speaker 3: in the cart.
Speaker 5: They remain in the cart waiting for a really good deal.
Speaker 5: But win should not have been greedy. We turned out
Speaker 5: as a loss.
Speaker 2: I feel that that would be really painful. Hopefully next
Speaker 2: week you can tell us one of your Monopoly card wins.
Speaker 5: I can't wait.
Speaker 3: Jess is going to get the barbecue.
Speaker 2: We're going to get an update on the tiles that
Speaker 2: she needs to collect.
Speaker 7: We've got her.
Speaker 5: We've got you, Jess, the barbecue and an extra ten kilos.
Speaker 5: But no cost is too high.
Speaker 3: No cost is too high. Ryan, what was your confession
Speaker 3: this week?
Speaker 6: Well, it's a win. Let me just explain. You can
Speaker 6: tell me if it's a winner or a loss. So
Speaker 6: in my contract at work, I get my phone bill
Speaker 6: and like an Internet like allowance sort of thing, like
Speaker 6: I get a little excubit of money to cover that.
Speaker 7: Yeah, and so when I started this.
Speaker 6: Job at Kiss the radio station at the start of
Speaker 6: the year, I thought, I like, set something up so
Speaker 6: the phone bill kind of paid, it comes in my
Speaker 6: pay or whatever. It turns out that's not the case
Speaker 6: and I haven't been getting paid this and I was like, oh,
Speaker 6: what an idiot. And they said, yeah, if you just
Speaker 6: fill out this form, we'll backdate it to the start
Speaker 6: of the year. So even though it's my money anyway,
Speaker 6: I'm about to get what is it, September nine or
Speaker 6: ten months worth of all these little allowances in one
Speaker 6: lump sum So it's like it's really good news. Now
Speaker 6: it's like dumb me the whole time for not doing
Speaker 6: I mean, it's my money, so it's not like I've
Speaker 6: got this money, but I'm going to get.
Speaker 7: A little bit of a wind fall in next pay round.
Speaker 2: Ryan, who doesn't actually spend any money at Christmas, is
Speaker 2: going to be turbo charged Onni's Christmas Save Christmas fun.
Speaker 3: Yeah, that's what I was thinking.
Speaker 6: The CEO of Buccato Shots Propriety Limits is rubbing his
Speaker 6: hands together.
Speaker 2: Look, I can't think of anything worse. When you say
Speaker 2: bucket of shots, you mean the one bucket shots. Okay, sorry,
Speaker 2: bucket oh shots. We're talking about those ones that have
Speaker 2: the two sides like the little Cowboy.
Speaker 6: Yeah, I mean one side will be like a milky
Speaker 6: liqueur and the other ones like a lime flavored Fredo Cordial.
Speaker 4: Maybe if Bucket O Shots are interested in sponsor, that's
Speaker 4: slide into our dead.
Speaker 6: I went into the bottle store, and the guy who
Speaker 6: worked at the bottle of I asked for them, and
Speaker 6: he's he looked. He looks me up and down and
Speaker 6: then was like, we don't sell those. And I was like, okay,
Speaker 6: do you know where that does? And he goes. I
Speaker 6: believe they were banned in the state of Victoria for
Speaker 6: being so disgusting.
Speaker 2: Dacity. Doesn't he know who you think you are?
Speaker 6: He doesn't know who I think I am, But he
Speaker 6: knows who I think I am now because I told him.
Speaker 6: I said, mate, I am a loyal bucket O shotter
Speaker 6: and I will not cop this attitude from you or
Speaker 6: you establishment.
Speaker 2: Honestly, you deserve to be sponsored by them. Anybody who
Speaker 2: knows the bucket o shot ceo, please reach out. We've
Speaker 2: got a really big influencer for you.
Speaker 7: All right. They wrap this up? Was you win?
Speaker 2: Oh my gosh, it's a She's on the Money win?
Speaker 2: The community did it for me, guys. So earlier this
Speaker 2: week someone in our She's on the Money community posted
Speaker 2: about a paramount glitch. Now I know this person posted
Speaker 2: because they DMed me on Instagram first to be like,
Speaker 2: v this is right up your alley, Like, this is
Speaker 2: a money win if ever I saw one.
Speaker 3: And I was like, posted in the group so they did.
Speaker 2: But essentially there was a glitch on Paramount, which is
Speaker 2: essentially a streaming service like Netflix or stan and the
Speaker 2: glitch was that you could sign up to their trial
Speaker 2: and then you could go into your settings and pay
Speaker 2: for a yearly subscription for six dollars instead of the
Speaker 2: like one hundred dollars it's meant to be for a
Speaker 2: year subscription just because they had messed it up. So
Speaker 2: I went ahead, I gave it a crack, spent my
Speaker 2: six dollars, and now I have a year's worth a paradise.
Speaker 3: Yeah, my gosh.
Speaker 4: And even if you don't use it, it's only got
Speaker 4: six dollars Sky.
Speaker 5: You absolutely will use it because you know what's on there.
Speaker 5: The Real Housewives of.
Speaker 3: Oh my gosh, there is so much trash.
Speaker 7: Sorry, jess what was that? What show was that, Jessica?
Speaker 5: The Real Housewives of Beverly Hills?
Speaker 3: Is that on there? Oh my god? I'm sot on there.
Speaker 2: And it's got all the other trashy stuff you would
Speaker 2: find on Foxtel, like a teen Mum and catfish and
Speaker 2: Catfish there.
Speaker 3: The MTV stuff.
Speaker 2: Yeah, it's all trash so good and in lockdown. This
Speaker 2: is the joy I needed anyway, before I give away
Speaker 2: too many of my dirty TV watching habits, I think
Speaker 2: we should wrap the show.
Speaker 3: I think you need to leave.
Speaker 7: Can I give one final piece of advice?
Speaker 3: All right?
Speaker 7: What is it?
Speaker 6: I found the owner of the Bucketo shots. It is
Speaker 6: Platinum Liquor dot com dot Au. They sell online and
Speaker 6: I'll we hunting down their seat for next week's episode.
Speaker 2: I'm going to get in contact with them and let
Speaker 2: them know that I am the broker of Ryan's Influencer Deals.
Speaker 3: So let's head off.
Speaker 2: Thank you for listening again this week.
Speaker 3: We hope you enjoyed it.
Speaker 2: But as always, just before we head off, we'd like
Speaker 2: to acknowledge and pay respect to Australia's Aboriginal and torrest
Speaker 2: Right Islander peoples. They're the traditional custodians at the lands,
Speaker 2: the waterways and the skies all across Australia. We thank
Speaker 2: you for sharing and for caring for the land on
Speaker 2: which we are able to learn. We pay our respects
Speaker 2: to elders past and present, and we share our friendship
Speaker 2: and our kindness.
Speaker 4: The advice shared on Shees on the Money is general
Speaker 4: in nature and does not consider your individual circumstances. She's
Speaker 4: on the money exists purely for educational purposes and should
Speaker 4: not be relied upon to make an investment or financial decision,
Speaker 4: and we promise. Victoria de Fine is an authorized representative
Speaker 4: of Australia Pacific Funds Management, but prior to limited ABM
Speaker 4: three four one three two four six three two five
Speaker 4: seven afslree nine one five one.
Speaker 5: See you next week, guys.
Speaker 7: Bye m HM