1 00:00:00,640 --> 00:00:04,880 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,920 --> 00:00:08,600 Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before 3 00:00:08,640 --> 00:00:11,119 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,119 --> 00:00:14,280 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,360 --> 00:00:17,640 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,079 --> 00:00:22,200 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,280 --> 00:00:26,920 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,040 --> 00:00:30,080 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,200 --> 00:00:33,040 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,280 --> 00:00:34,160 Speaker 2: Let's get into it. 11 00:00:34,320 --> 00:00:53,560 Speaker 3: She's on the Money. She's on the Money. 12 00:00:57,280 --> 00:01:00,600 Speaker 4: Hello and welcome to She's on the Money. That makes 13 00:01:00,640 --> 00:01:05,200 Speaker 4: personal finance fun, especially on Fridays. It is actually our 14 00:01:05,240 --> 00:01:07,720 Speaker 4: favorite day of the week. Surprise surprise there because we 15 00:01:07,840 --> 00:01:11,320 Speaker 4: get our team together to celebrate you, our incredible She's 16 00:01:11,360 --> 00:01:14,240 Speaker 4: on the Money community, Miss Jessicricci, She's going to be 17 00:01:14,280 --> 00:01:17,759 Speaker 4: sharing our favorite money wins. Miss Becsayed is here sharing 18 00:01:17,760 --> 00:01:20,000 Speaker 4: her broke tips. We're going to be helping to answer 19 00:01:20,040 --> 00:01:22,800 Speaker 4: our money dilemma, which this week is about saving money 20 00:01:22,840 --> 00:01:25,600 Speaker 4: on travel and something that you slid into my dams 21 00:01:25,600 --> 00:01:27,200 Speaker 4: about were chatting this week. 22 00:01:27,000 --> 00:01:29,319 Speaker 5: About what to do when friends. 23 00:01:29,000 --> 00:01:32,760 Speaker 2: Owe you money. Oh awkward. 24 00:01:33,240 --> 00:01:37,080 Speaker 5: Yes, But before we get there, how are your weeks. 25 00:01:36,920 --> 00:01:38,679 Speaker 2: Very good this week? You know what, it's a very 26 00:01:38,720 --> 00:01:40,920 Speaker 2: good day for me because I don't know if I've 27 00:01:40,959 --> 00:01:42,920 Speaker 2: told the potty of this, but I've definitely cried to 28 00:01:43,000 --> 00:01:45,640 Speaker 2: you two about it. My cat recently had what's called 29 00:01:45,760 --> 00:01:49,360 Speaker 2: radio id in therapy treatment whatever, so he was radioactive. 30 00:01:49,400 --> 00:01:52,760 Speaker 2: Like literally, Rabel, tell the class what you did. I 31 00:01:53,040 --> 00:01:56,680 Speaker 2: did buy a Geigercounter, which I didn't even know existed. 32 00:01:57,120 --> 00:02:00,200 Speaker 2: That's rule the level. Not because I was concerned for 33 00:02:00,280 --> 00:02:03,360 Speaker 2: my own health, but because I was hoping that so 34 00:02:03,800 --> 00:02:06,880 Speaker 2: he radioactive less, so I could cuddle him sooner. Because 35 00:02:06,880 --> 00:02:08,480 Speaker 2: the holy shoe for everyone at home is he had 36 00:02:08,480 --> 00:02:10,040 Speaker 2: to spend a week at the vet, which was very 37 00:02:10,120 --> 00:02:11,680 Speaker 2: sad because I knew he'd be scared, and then for 38 00:02:11,760 --> 00:02:14,639 Speaker 2: two weeks at home we couldn't touch him and cuddle him. 39 00:02:14,680 --> 00:02:16,760 Speaker 2: Had to keep him locked out of the room, which 40 00:02:17,400 --> 00:02:21,720 Speaker 2: would have been like hello, fully, I'm so worried that 41 00:02:21,800 --> 00:02:25,680 Speaker 2: he's thought that we don't love him anymore. Anyway, I've 42 00:02:25,680 --> 00:02:26,640 Speaker 2: cried about it many a time. 43 00:02:26,760 --> 00:02:28,280 Speaker 4: Well, I locked my cat in the pantry the other 44 00:02:28,360 --> 00:02:30,560 Speaker 4: day by accident, and then in the middle of the 45 00:02:30,639 --> 00:02:39,160 Speaker 4: night here. 46 00:02:33,919 --> 00:02:35,960 Speaker 2: Says that possible. 47 00:02:36,120 --> 00:02:37,480 Speaker 4: Turns out now it was my cat in the ban 48 00:02:37,480 --> 00:02:39,679 Speaker 4: and tree. So I'm a terrible cat mum, You're a 49 00:02:39,680 --> 00:02:40,280 Speaker 4: great cat mum. 50 00:02:41,120 --> 00:02:44,800 Speaker 2: I wasn't gonna starve to death. But yeah, it's been 51 00:02:44,800 --> 00:02:47,600 Speaker 2: a very rough three weeks because that. But today marks 52 00:02:47,639 --> 00:02:49,560 Speaker 2: the end of the three week period, so I could 53 00:02:49,600 --> 00:02:54,760 Speaker 2: officially cuddle you mentioned make sure he's not radioactive. I 54 00:02:54,800 --> 00:02:56,760 Speaker 2: was literally like, I'm not even gonna look at it 55 00:02:56,760 --> 00:02:59,160 Speaker 2: because if it's too I don't care. They said, they 56 00:02:59,200 --> 00:03:00,720 Speaker 2: said the end of three weeks if I could hug him, 57 00:03:00,760 --> 00:03:02,480 Speaker 2: So now I'm gonna hug him. 58 00:03:02,320 --> 00:03:05,480 Speaker 4: As with that, also, she did bring that Geiger counter 59 00:03:05,560 --> 00:03:07,280 Speaker 4: into the office and I tested everything. 60 00:03:07,480 --> 00:03:10,359 Speaker 2: Yeah, it was very Did you find anything quite radioactive? No, 61 00:03:13,840 --> 00:03:14,480 Speaker 2: was quite bad. 62 00:03:15,040 --> 00:03:18,080 Speaker 4: I've just decided that the dangerous defective. Sure, it was 63 00:03:18,120 --> 00:03:20,399 Speaker 4: like fifteen And what was the dangerous? I think under 64 00:03:20,440 --> 00:03:23,239 Speaker 4: fifty is like normal every day like And what was 65 00:03:23,280 --> 00:03:24,960 Speaker 4: your measuring the day you brought him home? 66 00:03:25,040 --> 00:03:25,720 Speaker 2: Like two thousands? 67 00:03:26,040 --> 00:03:29,880 Speaker 4: My wow, he fully was radioactive Because I said to Jess, 68 00:03:30,360 --> 00:03:32,760 Speaker 4: do you reckon? Like I don't know how these things are, 69 00:03:32,800 --> 00:03:35,880 Speaker 4: but do you reckon they're just being really conservative, like 70 00:03:36,280 --> 00:03:40,600 Speaker 4: how I don't know how that really really yeah, really 71 00:03:40,720 --> 00:03:43,800 Speaker 4: radioactive really yeah. Maybe that's just showing that I am 72 00:03:43,960 --> 00:03:47,960 Speaker 4: wildly uneducated, which is true until now. And Jess brought 73 00:03:47,960 --> 00:03:50,920 Speaker 4: me a ga encounter so cute. 74 00:03:51,160 --> 00:03:52,040 Speaker 2: So that's a great day for me. 75 00:03:52,240 --> 00:03:55,680 Speaker 5: That's very nice, Jess me. You know, I've just live 76 00:03:55,720 --> 00:03:58,760 Speaker 5: and laugh and love and I have such a nice week. 77 00:03:58,800 --> 00:04:00,840 Speaker 5: I live in my new house with my friend. 78 00:04:01,040 --> 00:04:02,160 Speaker 2: It's so sweet. 79 00:04:02,240 --> 00:04:03,760 Speaker 5: It just feels like it's what I've always wanted. 80 00:04:03,960 --> 00:04:05,800 Speaker 2: Dining chairs now here we do have not. 81 00:04:05,920 --> 00:04:08,200 Speaker 5: Now Jess has brought some dining chairs, thank you so much, 82 00:04:08,800 --> 00:04:11,320 Speaker 5: so we can finally sit and but it's just like 83 00:04:11,480 --> 00:04:13,560 Speaker 5: I've always wanted that kind of lifestyle where my friends 84 00:04:13,600 --> 00:04:15,720 Speaker 5: just kind of like it's like a revolving door and there's. 85 00:04:15,520 --> 00:04:17,680 Speaker 2: Always just someone. 86 00:04:17,000 --> 00:04:18,960 Speaker 5: Someone around and it's so nice. 87 00:04:19,080 --> 00:04:20,919 Speaker 2: I really I'm really. 88 00:04:20,640 --> 00:04:21,440 Speaker 5: Happy right now. 89 00:04:21,600 --> 00:04:24,480 Speaker 2: So I love this. The front of your new house 90 00:04:24,520 --> 00:04:26,040 Speaker 2: fully attached, unlike. 91 00:04:25,839 --> 00:04:29,800 Speaker 5: The last Yes, shockingly, and we've never I've never been 92 00:04:30,279 --> 00:04:32,720 Speaker 5: you know, I've never had a house it's not detached, 93 00:04:32,800 --> 00:04:35,320 Speaker 5: and every corner it kind of does and it's still 94 00:04:35,320 --> 00:04:38,440 Speaker 5: it's a very old house and it definitely plants personality 95 00:04:38,760 --> 00:04:40,680 Speaker 5: personally and the liner is like fully coming up and 96 00:04:40,680 --> 00:04:43,480 Speaker 5: that's but that's okay because the house is attached at 97 00:04:43,520 --> 00:04:44,960 Speaker 5: every corner and that's all. 98 00:04:46,920 --> 00:04:48,880 Speaker 2: Thank you. Yeah, just like chuck it. 99 00:04:48,920 --> 00:04:50,280 Speaker 5: We just chucked a rug over it. 100 00:04:50,600 --> 00:04:51,320 Speaker 2: That's perfect. 101 00:04:51,360 --> 00:04:55,360 Speaker 5: Then, yes, stunning absolutely has my went good. 102 00:04:55,440 --> 00:04:56,520 Speaker 2: I've been in the office. 103 00:04:56,680 --> 00:04:58,799 Speaker 5: We've been just working our lives away. 104 00:04:59,160 --> 00:05:01,560 Speaker 4: I feel like because we had Jacqueline, one of our 105 00:05:01,600 --> 00:05:05,080 Speaker 4: mortgage brokers, on the podcast, honestly such a great episode, 106 00:05:05,520 --> 00:05:08,120 Speaker 4: but that did spike a little bit more interest, so 107 00:05:08,120 --> 00:05:09,880 Speaker 4: we have been run off our feet, which we are 108 00:05:10,040 --> 00:05:11,080 Speaker 4: very grateful for. 109 00:05:11,120 --> 00:05:12,360 Speaker 5: We have a hit more like. 110 00:05:12,480 --> 00:05:14,800 Speaker 4: First home Buyers in the Weekings, which I don't know, 111 00:05:14,800 --> 00:05:17,839 Speaker 4: it's just there's something special about helping people get into 112 00:05:17,839 --> 00:05:20,440 Speaker 4: their first homes or like, one thing that I thought 113 00:05:20,760 --> 00:05:22,839 Speaker 4: a lot of people learned from that episode is that 114 00:05:22,880 --> 00:05:24,720 Speaker 4: you don't need to have your deposit before you speak 115 00:05:24,720 --> 00:05:27,560 Speaker 4: to a broker. And I think a lot of us think, oh, 116 00:05:27,560 --> 00:05:29,440 Speaker 4: I don't want to really waste someone's time or have 117 00:05:29,480 --> 00:05:32,480 Speaker 4: a chat, but we're speaking to some people who are like, oh, 118 00:05:32,560 --> 00:05:34,520 Speaker 4: I would love to buy a house and it's. 119 00:05:34,360 --> 00:05:35,160 Speaker 2: Just a good week. 120 00:05:35,320 --> 00:05:39,640 Speaker 4: Yeah, I've just been working, guys, that's it, just working lady. Yeah, 121 00:05:39,839 --> 00:05:43,480 Speaker 4: do you want because my week hasn't been arguably as 122 00:05:43,520 --> 00:05:45,920 Speaker 4: exciting as it could be. But you know what, he's exciting? 123 00:05:46,279 --> 00:05:49,760 Speaker 4: Five star review Yes, are you ready ready? This is 124 00:05:49,960 --> 00:05:55,039 Speaker 4: cloder is their username. Five star review says I was 125 00:05:55,080 --> 00:05:57,520 Speaker 4: first introduced to She's on the Money three years ago 126 00:05:57,600 --> 00:06:00,800 Speaker 4: when my sister handed me their first book. Ever since then, 127 00:06:00,920 --> 00:06:04,279 Speaker 4: I have listened to this podcast religiously. My money story 128 00:06:04,279 --> 00:06:07,400 Speaker 4: has completely changed for the better. I feel so educated 129 00:06:07,440 --> 00:06:10,320 Speaker 4: and empowered. Never in my wildest dreams did I think 130 00:06:10,360 --> 00:06:12,760 Speaker 4: I would be investing and have a property. 131 00:06:12,960 --> 00:06:14,560 Speaker 2: Oh, here we are. 132 00:06:15,000 --> 00:06:17,920 Speaker 5: The episodes have something for everyone. I won't lie. 133 00:06:18,040 --> 00:06:20,640 Speaker 4: I do sometimes have to replay things back so I 134 00:06:20,640 --> 00:06:23,679 Speaker 4: can understand them. But the dynamics of the team really 135 00:06:23,720 --> 00:06:26,840 Speaker 4: helped to make this podcast accessible to all. Even my 136 00:06:26,960 --> 00:06:30,640 Speaker 4: boyfriend loves when I play this in the car. Thanks ladies, 137 00:06:30,800 --> 00:06:32,520 Speaker 4: we love a little bit of girl power. 138 00:06:32,800 --> 00:06:35,279 Speaker 2: Love soad. 139 00:06:35,520 --> 00:06:37,840 Speaker 4: It's just the idea that you didn't think you were 140 00:06:37,839 --> 00:06:40,160 Speaker 4: going to invest or, you didn't think you would own property. 141 00:06:40,680 --> 00:06:42,480 Speaker 5: Yeah, that's what should go so sick. 142 00:06:42,920 --> 00:06:44,919 Speaker 2: It's actually just so cool. 143 00:06:44,640 --> 00:06:46,880 Speaker 5: That people are like, oh, I did it myself. I 144 00:06:46,960 --> 00:06:50,320 Speaker 5: just needed a little bit of a kick. Yeah, yeah, yeah, 145 00:06:50,480 --> 00:06:54,360 Speaker 5: I'll do that for really cool fun. Congratulations. I'm so 146 00:06:54,400 --> 00:06:58,680 Speaker 5: excited about that. But another exciting thing is the Facebook group. Yes, 147 00:06:58,760 --> 00:07:01,720 Speaker 5: every single week we drop a thread where you can 148 00:07:01,760 --> 00:07:03,840 Speaker 5: share your money wins and confessions, and then you pick 149 00:07:03,880 --> 00:07:06,400 Speaker 5: a handful of them to share on the show. What 150 00:07:06,480 --> 00:07:08,520 Speaker 5: have you raked in this week? Alrighty? 151 00:07:08,560 --> 00:07:10,920 Speaker 2: Firstly, I've got one this week from Catherine, who said 152 00:07:10,960 --> 00:07:14,240 Speaker 2: today is the first time ever in over a decade. 153 00:07:14,320 --> 00:07:17,320 Speaker 2: I haven't had two kids in childcare. Oh my gosh. 154 00:07:17,360 --> 00:07:21,080 Speaker 2: That must be very relieving. She'll be saving over twelve 155 00:07:21,120 --> 00:07:24,280 Speaker 2: thousand dollars a year alone just in daycare expenses, which 156 00:07:24,320 --> 00:07:26,120 Speaker 2: is pretty incredible. And there is a light at the 157 00:07:26,160 --> 00:07:27,720 Speaker 2: end of the tunnel for all the parents who are 158 00:07:27,760 --> 00:07:30,680 Speaker 2: pulling double duty currently. Next, I've got a money win 159 00:07:30,760 --> 00:07:33,679 Speaker 2: from Aloise, who said she recently discovered that her gym 160 00:07:33,840 --> 00:07:37,680 Speaker 2: has those full body massage ches and apparently they're amazing. 161 00:07:38,240 --> 00:07:40,360 Speaker 2: She says she now does like two massages a week 162 00:07:40,400 --> 00:07:42,000 Speaker 2: and she doesn't have to pay for them. She's saving 163 00:07:42,040 --> 00:07:43,240 Speaker 2: money left, right and center. 164 00:07:43,400 --> 00:07:45,360 Speaker 5: Oh my gosh, I would go more than two times. 165 00:07:45,640 --> 00:07:49,920 Speaker 2: Where is this place? Aisha said. Apparently Planet Fitness is 166 00:07:50,000 --> 00:07:52,520 Speaker 2: really good. It's nine dollars a week for membership and 167 00:07:52,560 --> 00:07:55,720 Speaker 2: they give free weekly spray hands and massages. I think 168 00:07:55,760 --> 00:07:59,200 Speaker 2: that's in a miracle. Why no, I am so excited. 169 00:07:59,320 --> 00:08:01,600 Speaker 4: Why because I live on TikTok and I saw that 170 00:08:01,640 --> 00:08:04,040 Speaker 4: and I was like, what do you mean your gym 171 00:08:04,120 --> 00:08:09,800 Speaker 4: does free spray tns. I would pay for them, yeah, 172 00:08:10,160 --> 00:08:12,720 Speaker 4: but it might be in Australia. So if someone could 173 00:08:12,800 --> 00:08:15,840 Speaker 4: slide into our dms and be like, hey, well, actually. 174 00:08:15,600 --> 00:08:18,720 Speaker 5: I'll do some research in Australia. I'm sure they're American listeners, 175 00:08:18,760 --> 00:08:19,960 Speaker 5: so that's good for them to know. 176 00:08:20,160 --> 00:08:23,160 Speaker 4: I think I saw the other day alright, Hey, so 177 00:08:23,960 --> 00:08:26,600 Speaker 4: his name's Matt. He's on Instagram and TikTok and I 178 00:08:26,640 --> 00:08:29,080 Speaker 4: really like his content. I'm pretty sure I saw him 179 00:08:29,120 --> 00:08:32,040 Speaker 4: say that he used his Jym spray tanner. Oh I 180 00:08:32,080 --> 00:08:35,240 Speaker 4: didn't see this video, yes, and like it was automated, 181 00:08:35,320 --> 00:08:39,040 Speaker 4: but he was so loud and he couldn't hear the instructions, 182 00:08:39,240 --> 00:08:41,600 Speaker 4: so we basically only spray tanned his front and said 183 00:08:41,640 --> 00:08:43,679 Speaker 4: that his back was not his not his business. 184 00:08:43,880 --> 00:08:47,280 Speaker 5: And I was like slay, so maybe it's in Australia 185 00:08:47,320 --> 00:08:47,680 Speaker 5: as well. 186 00:08:48,040 --> 00:08:50,840 Speaker 2: Maybe Okay, that's that really really, I'll do some research 187 00:08:50,880 --> 00:08:52,240 Speaker 2: and report back to you that next week. But I 188 00:08:52,320 --> 00:08:54,240 Speaker 2: was like, that would be un real. 189 00:08:54,320 --> 00:08:57,640 Speaker 5: It's like quite expensive, no, spray can. I think it's 190 00:08:57,679 --> 00:09:02,439 Speaker 5: about fifty or sixty dollars. I'm not saying that that's everywhere. Yeah, 191 00:09:02,480 --> 00:09:06,040 Speaker 5: depends because I think, yeah, like I think you could 192 00:09:06,080 --> 00:09:08,760 Speaker 5: probably get I don't know, remember in high school spraytann's 193 00:09:08,760 --> 00:09:12,400 Speaker 5: weally twenty dollars, but now they're or I think that 194 00:09:12,400 --> 00:09:14,679 Speaker 5: they're expensive, and like I mean, I live in inner 195 00:09:14,679 --> 00:09:18,120 Speaker 5: city Melbourne, so they're probably more expensive than further out. 196 00:09:18,160 --> 00:09:20,880 Speaker 4: But yeah, that's a lot of money. Yeah, I'll only 197 00:09:20,880 --> 00:09:22,720 Speaker 4: get a spray tann if there's a really good event 198 00:09:22,800 --> 00:09:23,280 Speaker 4: coming up. 199 00:09:23,400 --> 00:09:24,040 Speaker 2: Yeah. Same. 200 00:09:24,120 --> 00:09:27,280 Speaker 4: Otherwise catch me fake tanning in my bathroom all oh 201 00:09:27,360 --> 00:09:27,960 Speaker 4: yeah yeah. 202 00:09:28,000 --> 00:09:29,160 Speaker 2: Pemi stuff just as good. 203 00:09:29,240 --> 00:09:32,800 Speaker 4: Yeah, it does it perfectly, honestly, and again the back 204 00:09:32,840 --> 00:09:34,480 Speaker 4: of my body is not my business. 205 00:09:34,880 --> 00:09:38,200 Speaker 2: Completely agree, Completely agree. Next, I've got a money in 206 00:09:38,280 --> 00:09:40,960 Speaker 2: from Carrie who said she got a free chip from Coals. 207 00:09:41,280 --> 00:09:43,000 Speaker 2: She went to pick up her groceries on Saturday and 208 00:09:43,040 --> 00:09:45,760 Speaker 2: someone had apparently bought them all. They bought ten plus chickens, 209 00:09:45,760 --> 00:09:46,440 Speaker 2: which is crazy. 210 00:09:46,760 --> 00:09:50,280 Speaker 5: So she's doing I have questions, got some question. 211 00:09:50,480 --> 00:09:52,400 Speaker 2: She asked how far away the next ones were. It 212 00:09:52,440 --> 00:09:54,440 Speaker 2: was over an hour. So she got the voucher that 213 00:09:54,480 --> 00:09:56,760 Speaker 2: you get. Apparently there's no chickens available. I think we 214 00:09:56,880 --> 00:10:00,240 Speaker 2: mentioned this before you get an So she did that, 215 00:10:00,320 --> 00:10:02,840 Speaker 2: and now she said she's eating her free roast chok 216 00:10:02,880 --> 00:10:06,839 Speaker 2: for lunch today. Good on you, very very good win. Next, 217 00:10:06,880 --> 00:10:09,400 Speaker 2: I've got a money in from Christy, who said she 218 00:10:09,559 --> 00:10:12,160 Speaker 2: repurposed address that she used to love, but she didn't 219 00:10:12,200 --> 00:10:14,760 Speaker 2: like the straps on. She used her sewing skills to 220 00:10:14,840 --> 00:10:18,480 Speaker 2: change from tie up straps to adjustable bra type straps. Boom, 221 00:10:18,679 --> 00:10:22,080 Speaker 2: new dress. Kind of I love that. That's very disagreed, 222 00:10:22,200 --> 00:10:24,600 Speaker 2: She coded, sewing is an underrated skill. I feel like 223 00:10:24,640 --> 00:10:27,080 Speaker 2: taking something you've loved but maybe don't love anymore because 224 00:10:27,080 --> 00:10:28,719 Speaker 2: it doesn't fit the way it used to, or you 225 00:10:28,840 --> 00:10:33,000 Speaker 2: just want to refresher total vibe. And then lastly, this week, 226 00:10:33,000 --> 00:10:35,160 Speaker 2: I've got a money in from Emma, who said, oh 227 00:10:35,160 --> 00:10:37,360 Speaker 2: my goodness, I've been waiting to share this all week. 228 00:10:37,520 --> 00:10:40,680 Speaker 2: Thanks Emma. Like many others, I have a technology draw 229 00:10:40,720 --> 00:10:43,520 Speaker 2: at home with old phones and gaming consoles and things 230 00:10:43,559 --> 00:10:46,160 Speaker 2: like that in it. She took them to trade in 231 00:10:46,440 --> 00:10:50,839 Speaker 2: at CeX Electronic Exchange and walked away with a little 232 00:10:50,840 --> 00:10:52,200 Speaker 2: over six hundred bucks. 233 00:10:52,240 --> 00:10:52,560 Speaker 5: Cool. 234 00:10:52,800 --> 00:10:54,880 Speaker 2: She said the items were great quality and otherwise would 235 00:10:54,880 --> 00:10:56,480 Speaker 2: have gone to Eway, so she had a little bit 236 00:10:56,480 --> 00:10:58,600 Speaker 2: side cash and now she's happy knowing someone else will 237 00:10:58,640 --> 00:11:02,200 Speaker 2: get to use the part or the items themselves instead 238 00:11:02,200 --> 00:11:05,000 Speaker 2: of it going to Landfield. Great. That's actually so good. 239 00:11:05,080 --> 00:11:07,600 Speaker 2: Good reminder. I definitely have a couple of old iPhones 240 00:11:07,640 --> 00:11:10,800 Speaker 2: lying around, like twenty bucks for them each. I'm like, 241 00:11:10,920 --> 00:11:13,040 Speaker 2: that's money you didn't have your stay. It's exactly right. 242 00:11:13,120 --> 00:11:14,320 Speaker 5: Yeah, that is a great call. 243 00:11:14,760 --> 00:11:16,800 Speaker 2: So everyone go hunting around this weekend see what you 244 00:11:16,800 --> 00:11:17,280 Speaker 2: can find. 245 00:11:17,520 --> 00:11:21,520 Speaker 5: Absolutely, I love this beck. Yes, what do you got 246 00:11:21,640 --> 00:11:25,040 Speaker 5: when it comes to broke tips? Okay, so I'm very 247 00:11:25,040 --> 00:11:32,360 Speaker 5: excited about these ones, one in particular. But anyway, this 248 00:11:32,400 --> 00:11:35,400 Speaker 5: first friend comes from Jess, who is also my girlfriend, 249 00:11:35,440 --> 00:11:40,320 Speaker 5: and she's usually well, she's very clever. So basically I 250 00:11:40,320 --> 00:11:44,280 Speaker 5: wouldn't say shop at expensive places like this place. This 251 00:11:44,360 --> 00:11:46,760 Speaker 5: place is called sues me. I think I'm saying it right. 252 00:11:46,920 --> 00:11:49,600 Speaker 5: S U S M I E S. It's quite an 253 00:11:49,600 --> 00:11:53,400 Speaker 5: expensive shop, not more so than anywhere else. It's a 254 00:11:53,400 --> 00:11:56,679 Speaker 5: clothing shop and they have beautiful clothes, but want to 255 00:11:56,760 --> 00:11:58,920 Speaker 5: iss you're expensive. Oh yeah, I feel like that's the 256 00:11:58,960 --> 00:12:01,960 Speaker 5: bare minimum. And also I want to say, my girlfriend 257 00:12:02,000 --> 00:12:07,160 Speaker 5: is such a fashionista, so she's very fashionable. So if 258 00:12:07,200 --> 00:12:09,800 Speaker 5: you shop here, there are a lot of their clothes 259 00:12:09,800 --> 00:12:13,080 Speaker 5: are actually like four different outfits in one So she 260 00:12:13,120 --> 00:12:15,080 Speaker 5: bought like a skirt that is also a top that 261 00:12:15,160 --> 00:12:17,960 Speaker 5: is also reversible that is also a small skirt, and 262 00:12:18,000 --> 00:12:20,240 Speaker 5: a long skirt, and so you can just do whatever 263 00:12:20,280 --> 00:12:21,120 Speaker 5: you want with these things. 264 00:12:21,440 --> 00:12:23,600 Speaker 2: So I'm like, if you have the. 265 00:12:23,640 --> 00:12:26,160 Speaker 5: Means, I know, it's so good. And I'm like, that 266 00:12:26,360 --> 00:12:30,559 Speaker 5: is so genius because you usually you'll buy, like I 267 00:12:30,559 --> 00:12:33,640 Speaker 5: do know, one shirt and it's just one shirt, which 268 00:12:33,679 --> 00:12:36,320 Speaker 5: is fine, but that could be like fifty bucks. But 269 00:12:36,400 --> 00:12:38,880 Speaker 5: if you go to Susani's, and I'm we're not sponsor 270 00:12:38,880 --> 00:12:40,680 Speaker 5: by Susan's obviously, but I just think that it's like 271 00:12:40,679 --> 00:12:43,960 Speaker 5: a place like that, it's like, yeah, just maybe try 272 00:12:44,000 --> 00:12:45,480 Speaker 5: and have a look and see if there are any 273 00:12:45,520 --> 00:12:47,480 Speaker 5: clothes that you can buy that are like reversible and 274 00:12:47,559 --> 00:12:49,720 Speaker 5: also could be yeah, it could be like short, could 275 00:12:49,720 --> 00:12:52,439 Speaker 5: be a long skirt could be for any season. I 276 00:12:52,440 --> 00:12:54,240 Speaker 5: think that's really really I just think it was really clear. 277 00:12:54,240 --> 00:12:56,719 Speaker 5: I feel like that's economical as well, totally. So I 278 00:12:56,840 --> 00:12:58,600 Speaker 5: think she got like three things and that's actually like 279 00:12:58,760 --> 00:13:02,760 Speaker 5: sixteen different outfits. Sound how whoa Yeah, I'm going to 280 00:13:02,840 --> 00:13:06,520 Speaker 5: ask her about show me a skirt and she's like, what, 281 00:13:07,280 --> 00:13:10,440 Speaker 5: I think she's wearing it today? Actually, oh well I'm running. Yeah, 282 00:13:11,080 --> 00:13:14,720 Speaker 5: if you could maybe leave right And then this next 283 00:13:14,720 --> 00:13:17,320 Speaker 5: one comes from me. It's half a money win, half 284 00:13:17,320 --> 00:13:19,400 Speaker 5: a broke tip. So shot Back, I don't know if 285 00:13:19,400 --> 00:13:20,920 Speaker 5: you guys know, but how they have like happy hour 286 00:13:21,000 --> 00:13:21,960 Speaker 5: and I know. 287 00:13:22,040 --> 00:13:24,160 Speaker 2: Oh you know, like yeah, because I'm in love with 288 00:13:24,240 --> 00:13:27,079 Speaker 2: shop time. I'm sponsored. 289 00:13:27,400 --> 00:13:30,360 Speaker 4: No, I just check their app sometimes to see what's 290 00:13:30,400 --> 00:13:32,080 Speaker 4: going on, any good deals. 291 00:13:32,120 --> 00:13:32,839 Speaker 2: I just need to know. 292 00:13:32,920 --> 00:13:34,760 Speaker 5: I just need to be in the I'm obsessed with 293 00:13:34,760 --> 00:13:37,040 Speaker 5: shot Back these days, especially since movie, and I'm like, 294 00:13:37,040 --> 00:13:38,360 Speaker 5: if I want to buy a TV, I'm going to 295 00:13:38,440 --> 00:13:40,160 Speaker 5: do that. I'm shot Back and I haven't yet. But anyway, 296 00:13:40,320 --> 00:13:43,000 Speaker 5: so I was on shot Back, just scrolling the middle 297 00:13:43,000 --> 00:13:44,240 Speaker 5: of the night as I do. I realized I had 298 00:13:44,280 --> 00:13:46,640 Speaker 5: a happy hour, and then my the place where I 299 00:13:46,679 --> 00:13:49,920 Speaker 5: get my glasses and there are many different glasses places 300 00:13:49,920 --> 00:13:52,160 Speaker 5: on here. I think they have like eighteen percent cash 301 00:13:52,200 --> 00:13:57,160 Speaker 5: back or something. But also it's sacking my health insurance 302 00:13:57,640 --> 00:14:01,400 Speaker 5: pay up to two hundred dollars in optical. So I 303 00:14:01,440 --> 00:14:05,240 Speaker 5: bought turn ittle glasses, got forty bucks from shot Back, 304 00:14:05,880 --> 00:14:09,480 Speaker 5: claimed it back on you can on something you claimed back, 305 00:14:09,520 --> 00:14:12,400 Speaker 5: it's got forty bucks for no reason. No, there was 306 00:14:12,440 --> 00:14:15,040 Speaker 5: a reason. Well, it was a good money win, yes, 307 00:14:15,320 --> 00:14:15,800 Speaker 5: isn't it. 308 00:14:15,880 --> 00:14:18,880 Speaker 4: I love that that is actually gaming the system in 309 00:14:18,920 --> 00:14:21,960 Speaker 4: a really very legal way, very legal, very long. 310 00:14:23,240 --> 00:14:24,000 Speaker 2: That is what we like. 311 00:14:24,080 --> 00:14:29,480 Speaker 5: No, so I want to recommend Shotback always have like upsize, 312 00:14:29,600 --> 00:14:31,440 Speaker 5: you know, things like you but yeah. 313 00:14:31,320 --> 00:14:31,680 Speaker 2: Check up. 314 00:14:31,800 --> 00:14:34,040 Speaker 5: I think it's like before midnight and maybe after nine 315 00:14:34,080 --> 00:14:36,720 Speaker 5: pm or something. I wouldn't have a clue about the times. 316 00:14:36,760 --> 00:14:38,920 Speaker 5: I've just seen it, like the advertising, you know how 317 00:14:38,920 --> 00:14:40,800 Speaker 5: that yep pops up when you open the app. Yeah, 318 00:14:40,920 --> 00:14:42,440 Speaker 5: just so it's very cool and it could be for 319 00:14:42,480 --> 00:14:44,040 Speaker 5: anything that you can claim on that's. 320 00:14:43,880 --> 00:14:45,680 Speaker 4: Not a sponsored mentioned, but I mean shot Back, if 321 00:14:45,720 --> 00:14:48,320 Speaker 4: you want to sponsor us again, please we're lining up. 322 00:14:48,320 --> 00:14:50,640 Speaker 4: In fact, we're doing it for free already. But anyway, 323 00:14:50,680 --> 00:14:52,600 Speaker 4: it turns out that was a good set of broke tips. 324 00:14:52,640 --> 00:14:54,320 Speaker 4: Thank you, thank you, so I love it, and good. 325 00:14:54,160 --> 00:14:55,360 Speaker 2: Round up from the community. 326 00:14:55,960 --> 00:14:57,840 Speaker 5: Let's go to a really quick break on the flip side. 327 00:14:57,840 --> 00:15:00,000 Speaker 2: We're going to be helping to answer money dilemma this week. 328 00:15:00,040 --> 00:15:02,440 Speaker 4: We're talking about saving money on travel, which I think 329 00:15:02,520 --> 00:15:05,200 Speaker 4: is really fun and something you is leading to our 330 00:15:05,240 --> 00:15:09,160 Speaker 4: dms about what to do when a friend owes you money, 331 00:15:09,560 --> 00:15:15,920 Speaker 4: so don't go anyway, guys. 332 00:15:14,880 --> 00:15:17,480 Speaker 2: Welcome back everybody. Let's take a listen to this week's 333 00:15:17,480 --> 00:15:20,280 Speaker 2: money dilemma. 334 00:15:20,640 --> 00:15:20,800 Speaker 6: Hi. 335 00:15:20,920 --> 00:15:23,680 Speaker 4: There, have you got a money dilemma you just can't solve? 336 00:15:23,840 --> 00:15:26,000 Speaker 4: The She's on the Money team is here to help. 337 00:15:26,360 --> 00:15:29,360 Speaker 4: Every week we tackle your dilemmas, both big and small, 338 00:15:29,400 --> 00:15:31,400 Speaker 4: to answer your most burning money. 339 00:15:31,120 --> 00:15:32,520 Speaker 2: Career and life questions. 340 00:15:32,720 --> 00:15:35,200 Speaker 4: To get involved, simply head to our website and leave 341 00:15:35,280 --> 00:15:37,400 Speaker 4: us a short voice recording and you might just find 342 00:15:37,440 --> 00:15:40,160 Speaker 4: yourself on the show. Now, let's take a listen to 343 00:15:40,200 --> 00:15:43,400 Speaker 4: this week's money dilemma. 344 00:15:43,600 --> 00:15:46,000 Speaker 6: Hi, team, I've been booking a trip to Europe and 345 00:15:46,040 --> 00:15:48,680 Speaker 6: I've noticed a very clear pink tax when I've been 346 00:15:48,680 --> 00:15:53,320 Speaker 6: booking my accommodation in all female dorms as I'm traveling solo. 347 00:15:53,480 --> 00:15:55,920 Speaker 6: This is something I'm not willing to compromise on which 348 00:15:55,960 --> 00:15:58,720 Speaker 6: will cost me more than four hundred dollars in accommodation 349 00:15:59,000 --> 00:16:02,080 Speaker 6: over the five weeks away. Do you have any travel 350 00:16:02,120 --> 00:16:05,760 Speaker 6: tips or tricks for saving money elsewhere that won't compromise 351 00:16:05,800 --> 00:16:07,600 Speaker 6: my holiday? Thanks so much? 352 00:16:08,200 --> 00:16:08,880 Speaker 2: That's crazy? 353 00:16:08,920 --> 00:16:11,120 Speaker 5: Is that a real thing? Have you guys noticed that? 354 00:16:12,080 --> 00:16:12,920 Speaker 2: I have seen it. 355 00:16:13,640 --> 00:16:16,520 Speaker 4: Jess has stayed in her backpackers once and it was 356 00:16:16,560 --> 00:16:19,840 Speaker 4: because I booked it, so she wasn't privy to like 357 00:16:20,000 --> 00:16:23,120 Speaker 4: the pink tax on that. But it's actually very normal 358 00:16:23,280 --> 00:16:26,880 Speaker 4: that female only dorms are priced higher than male only 359 00:16:27,000 --> 00:16:30,720 Speaker 4: or like mixed storms, and it's usually because there's less 360 00:16:30,760 --> 00:16:34,760 Speaker 4: demand for them, so it's not necessarily a pink tax situation, 361 00:16:35,320 --> 00:16:39,280 Speaker 4: but it's a supply and demand situation. So like Jess 362 00:16:39,280 --> 00:16:42,680 Speaker 4: goes traveling, right, she's a single, solo female traveler, I 363 00:16:42,720 --> 00:16:45,560 Speaker 4: can almost guarantee that is much more rare than a 364 00:16:45,600 --> 00:16:49,680 Speaker 4: solo male traveler or people who are willing to share. 365 00:16:50,000 --> 00:16:53,520 Speaker 4: So like obviously men are probably more likely to share 366 00:16:53,560 --> 00:16:55,160 Speaker 4: and not have an issue. And then there are going 367 00:16:55,240 --> 00:16:57,080 Speaker 4: to be females who are happy to sleep in the 368 00:16:57,080 --> 00:16:59,520 Speaker 4: mixed storm. So the outlier here is going to be 369 00:16:59,520 --> 00:17:02,800 Speaker 4: the female who wants basically her own room or only 370 00:17:02,800 --> 00:17:05,639 Speaker 4: females in her room, and you're paying a premium for 371 00:17:05,680 --> 00:17:08,320 Speaker 4: that because let's say you go into a six person dorm, 372 00:17:08,880 --> 00:17:12,040 Speaker 4: the likelihood of you sharing with six other people is 373 00:17:12,080 --> 00:17:15,160 Speaker 4: actually or five other people, sorry, is actually relatively low 374 00:17:16,040 --> 00:17:18,720 Speaker 4: in comparison to people who want to just go into 375 00:17:18,720 --> 00:17:19,359 Speaker 4: the normal. 376 00:17:19,119 --> 00:17:20,720 Speaker 2: Mixed doorm, which is also cheaper. 377 00:17:21,280 --> 00:17:24,280 Speaker 4: So it's actually a supply and demand issue here, not 378 00:17:24,440 --> 00:17:27,560 Speaker 4: necessarily a pink tax. They're not like blue raisor pink Crazer, 379 00:17:27,600 --> 00:17:30,080 Speaker 4: and the pink raser is just more expensive for no reason. 380 00:17:30,520 --> 00:17:33,200 Speaker 4: It's supply and demand because they would have to fill 381 00:17:33,240 --> 00:17:36,240 Speaker 4: the beds, and their way of mitigating the fact that 382 00:17:36,240 --> 00:17:40,440 Speaker 4: they're sectioning off an entire room in their backpackers and 383 00:17:40,480 --> 00:17:43,480 Speaker 4: saying only girls in there is to charge Jess a 384 00:17:43,520 --> 00:17:47,439 Speaker 4: higher amount to travel. So I get that it feels 385 00:17:47,440 --> 00:17:49,919 Speaker 4: like pink tax, though because obviously it only applies to 386 00:17:50,000 --> 00:17:53,400 Speaker 4: you for being female. Yeah, but it seems to be 387 00:17:53,480 --> 00:17:58,080 Speaker 4: a global trend. But yeah, it's usually women only are 388 00:17:58,119 --> 00:18:00,840 Speaker 4: less likely to travel and also more likely to be 389 00:18:00,880 --> 00:18:04,240 Speaker 4: the smaller rooms, So you're going to pay a little 390 00:18:04,280 --> 00:18:08,080 Speaker 4: bit more, which you get what you get. Yeah, but 391 00:18:08,440 --> 00:18:11,159 Speaker 4: what are your best travel tips? Yes, I remember you 392 00:18:11,240 --> 00:18:14,439 Speaker 4: saying that you came home once from traveling with like 393 00:18:14,880 --> 00:18:17,360 Speaker 4: less than a dollar in your bank account, so you. 394 00:18:17,359 --> 00:18:19,440 Speaker 2: Had to at the airport. 395 00:18:19,640 --> 00:18:21,800 Speaker 5: But how how did you say money traveling? 396 00:18:22,040 --> 00:18:25,400 Speaker 2: Oh, I always have exactly true. I've never traveled solid. 397 00:18:25,440 --> 00:18:27,640 Speaker 2: I've always traveled in groups, which keeps costs down because 398 00:18:27,640 --> 00:18:30,680 Speaker 2: you're spliting accommodation. You can split meal costs like that 399 00:18:30,800 --> 00:18:34,080 Speaker 2: breaks things down a lot. When we would travel, like 400 00:18:34,119 --> 00:18:35,720 Speaker 2: when I was in Greece, for example, and we traveled 401 00:18:35,760 --> 00:18:38,600 Speaker 2: on ferries between islands, we'd always take like the less 402 00:18:38,720 --> 00:18:42,560 Speaker 2: ideal times because it's sometimes cheaper to travel at like 403 00:18:43,160 --> 00:18:44,880 Speaker 2: six in the morning than it would be at ten 404 00:18:44,920 --> 00:18:47,960 Speaker 2: am or something like that. So doing things like that 405 00:18:48,840 --> 00:18:50,560 Speaker 2: not to give a shot back another free plug, but 406 00:18:50,560 --> 00:18:54,880 Speaker 2: pre booking accommodation where possible shot back through me, Yeah, 407 00:18:55,040 --> 00:18:58,280 Speaker 2: through like any kind of cash back platform. And then 408 00:18:58,320 --> 00:19:00,480 Speaker 2: just say it's prioritizing what's important to you. Like I 409 00:19:00,560 --> 00:19:03,040 Speaker 2: remember traveling with one of my really good friends and 410 00:19:03,080 --> 00:19:05,439 Speaker 2: we like, like she was someone who really wanted to 411 00:19:05,560 --> 00:19:08,399 Speaker 2: travel as cheaply as she could, and so she just 412 00:19:08,440 --> 00:19:11,320 Speaker 2: would elect to not do some things because like if 413 00:19:11,320 --> 00:19:13,520 Speaker 2: I would go to a museum and maybe she was like, ah, 414 00:19:13,680 --> 00:19:16,000 Speaker 2: could give it a miss, she just wouldn't go. So 415 00:19:16,119 --> 00:19:18,760 Speaker 2: also not giving into like the fomo, especially in a 416 00:19:18,760 --> 00:19:21,359 Speaker 2: group setting, and being like, oh, if everyone's going to 417 00:19:21,440 --> 00:19:23,640 Speaker 2: this play or if everyone's doing this thing, I want 418 00:19:23,640 --> 00:19:26,480 Speaker 2: to go to just profab to get Oh I have 419 00:19:26,560 --> 00:19:29,200 Speaker 2: a queen of pomo, so like I would be spending 420 00:19:29,280 --> 00:19:31,320 Speaker 2: just to go, but like my friend was really good 421 00:19:31,320 --> 00:19:33,880 Speaker 2: about just going. Okay, like I'm going to spend money 422 00:19:33,880 --> 00:19:36,719 Speaker 2: on food and somewhere to sleep, and that's basically and 423 00:19:36,760 --> 00:19:39,760 Speaker 2: not buying souvenirs, not buying you know, getting sucked into 424 00:19:39,760 --> 00:19:42,040 Speaker 2: the little things that add up when you travel, and 425 00:19:42,080 --> 00:19:43,800 Speaker 2: so just looking at I guess what's important to you 426 00:19:43,840 --> 00:19:46,439 Speaker 2: and maybe mapping that out ahead of time so you 427 00:19:46,480 --> 00:19:48,080 Speaker 2: are less likely. It's like when you go to the 428 00:19:48,080 --> 00:19:51,119 Speaker 2: shops when you're hungry and all of a sudden half trolley. 429 00:19:51,560 --> 00:19:55,119 Speaker 2: The same sort of thing, right, like planning, pre allocating. 430 00:19:54,640 --> 00:19:57,400 Speaker 5: Sudden my diet that I'm trying to stick to out 431 00:19:57,400 --> 00:19:57,879 Speaker 5: the window. 432 00:19:58,400 --> 00:20:00,480 Speaker 2: Yeah exactly, So like pre doing as much as you 433 00:20:00,520 --> 00:20:02,800 Speaker 2: can to avoid that kind of stuff too, is probably 434 00:20:02,840 --> 00:20:03,560 Speaker 2: my top. 435 00:20:03,359 --> 00:20:05,960 Speaker 5: Tips that is so true, and then you don't have 436 00:20:06,000 --> 00:20:08,920 Speaker 5: any like unexpected you know, or you will have some 437 00:20:09,000 --> 00:20:11,400 Speaker 5: but not as many unexpected costs that oh I thought 438 00:20:11,400 --> 00:20:14,280 Speaker 5: i'd spend two thousand, actually spent ten thousand or something. Yeah, 439 00:20:14,359 --> 00:20:16,840 Speaker 5: I guess I don't really like travel heaps. But my 440 00:20:17,119 --> 00:20:19,240 Speaker 5: two that I have already mentioned on the show. One 441 00:20:19,280 --> 00:20:21,679 Speaker 5: was like where every single item of clothing and so 442 00:20:21,800 --> 00:20:24,960 Speaker 5: the level bag is larger and you don't have to, 443 00:20:25,280 --> 00:20:28,200 Speaker 5: you know, be stung with an unexpected charge if your 444 00:20:28,480 --> 00:20:31,000 Speaker 5: bag weighs more than you thought it would. And then 445 00:20:31,160 --> 00:20:36,320 Speaker 5: the other is I only book on I know the pilot. 446 00:20:36,359 --> 00:20:38,760 Speaker 5: It's like an app where it's like will also just 447 00:20:38,800 --> 00:20:40,359 Speaker 5: like kind of be scanning. If you just put in 448 00:20:40,400 --> 00:20:42,360 Speaker 5: there where you want to go, roughly, it will be scanning. 449 00:20:42,800 --> 00:20:46,240 Speaker 5: I'm the kind of person that doesn't actually care, but 450 00:20:46,280 --> 00:20:48,439 Speaker 5: I have the luxury of like, you know, just being solo. 451 00:20:48,600 --> 00:20:52,920 Speaker 5: But if if there's a flight that is extremely cheap 452 00:20:53,080 --> 00:20:56,480 Speaker 5: but it's like twenty stops and a million hours stopover, 453 00:20:56,960 --> 00:20:59,040 Speaker 5: I don't actually care. I'm going to do it because 454 00:20:59,080 --> 00:21:01,200 Speaker 5: it's so cheap, and I'm like, this is kind of fun. 455 00:21:01,240 --> 00:21:04,320 Speaker 5: You get to stop in little places and obviously can't 456 00:21:04,320 --> 00:21:09,000 Speaker 5: really and it's uncomfortable and also. 457 00:21:08,840 --> 00:21:10,400 Speaker 2: You're really selling it by torture. 458 00:21:11,119 --> 00:21:16,359 Speaker 5: But it's something that if you in this case only 459 00:21:16,440 --> 00:21:18,800 Speaker 5: it's about the destination and not the journey, and if 460 00:21:18,840 --> 00:21:21,760 Speaker 5: your journey is like one or two days, don't worry, yeah, 461 00:21:21,760 --> 00:21:23,000 Speaker 5: because you're going to get there eventually. 462 00:21:23,119 --> 00:21:24,680 Speaker 2: I like that. I like that. 463 00:21:24,880 --> 00:21:32,320 Speaker 5: Anything else to add back, I think maybe yeah, I 464 00:21:32,400 --> 00:21:34,080 Speaker 5: just I somehow travel cheap, and I think it's just 465 00:21:34,080 --> 00:21:36,360 Speaker 5: because I don't I don't actually eat. 466 00:21:36,359 --> 00:21:38,080 Speaker 2: I feel like that's when you'd be good for like 467 00:21:38,160 --> 00:21:41,120 Speaker 2: eating it like hole in the wall places. We had 468 00:21:41,280 --> 00:21:43,840 Speaker 2: half our meals like five dollars, which but it was 469 00:21:43,920 --> 00:21:46,439 Speaker 2: like little local places rather than going to like a 470 00:21:46,480 --> 00:21:49,480 Speaker 2: big you know check you even a McDonald's or something 471 00:21:49,520 --> 00:21:51,440 Speaker 2: like that. Totally or it would be so cheap. There's 472 00:21:51,480 --> 00:21:55,520 Speaker 2: often totally that you can get cheap really great food, yes, yes, 473 00:21:55,640 --> 00:21:56,640 Speaker 2: and family marts. 474 00:21:56,840 --> 00:21:59,640 Speaker 4: I feel like I still travel cheap. Like, don't get 475 00:21:59,680 --> 00:22:02,359 Speaker 4: me wrong, I've stayed at some beautiful places, but my 476 00:22:02,440 --> 00:22:06,159 Speaker 4: frugal travel habits will follow me everywhere. Poor Jessica. A 477 00:22:06,160 --> 00:22:08,639 Speaker 4: couple of years ago we went to Europe together and 478 00:22:08,680 --> 00:22:12,360 Speaker 4: she experienced this. So the female dorm. This is where 479 00:22:12,359 --> 00:22:14,800 Speaker 4: it's come up, right, we're talking about female dorms. We 480 00:22:14,800 --> 00:22:16,600 Speaker 4: were traveling in a group, and if you're traveling in 481 00:22:16,640 --> 00:22:19,720 Speaker 4: a group, I think you automatically go, Okay, well maybe 482 00:22:19,760 --> 00:22:21,119 Speaker 4: we'll get near BMB or something. 483 00:22:21,520 --> 00:22:22,880 Speaker 2: But you can book out a. 484 00:22:22,840 --> 00:22:25,520 Speaker 4: Whole dorm room if you want, And we did that 485 00:22:25,720 --> 00:22:28,399 Speaker 4: at a backpackers and it was like a six person 486 00:22:28,480 --> 00:22:30,800 Speaker 4: dorm room. So we did have a spare bed in 487 00:22:30,840 --> 00:22:32,800 Speaker 4: there because we didn't need it, but we got our 488 00:22:32,800 --> 00:22:35,960 Speaker 4: own on suite, really clean, really easy. We stayed it 489 00:22:36,000 --> 00:22:39,440 Speaker 4: and it worked. So that's a good one. Grocery shopping 490 00:22:39,520 --> 00:22:41,520 Speaker 4: when you get there, having a little trip to the 491 00:22:41,520 --> 00:22:44,000 Speaker 4: grocery store. I don't know if everyone's like this, but 492 00:22:44,080 --> 00:22:46,680 Speaker 4: I think as a cultural experience, actually want to go 493 00:22:46,960 --> 00:22:49,720 Speaker 4: to the supermarket in every location that I go to, 494 00:22:50,080 --> 00:22:51,760 Speaker 4: and I need it to be an activity. We're not 495 00:22:51,800 --> 00:22:53,679 Speaker 4: just zipping in for a snack. We are going to 496 00:22:53,720 --> 00:22:55,719 Speaker 4: look at all the aisles. We're going to look at 497 00:22:55,720 --> 00:22:58,080 Speaker 4: the grocery. I actually look at the reviews of the 498 00:22:58,080 --> 00:23:00,920 Speaker 4: grocery store and I'm like, let's go to this monopre 499 00:23:01,200 --> 00:23:04,800 Speaker 4: just got five stars, and we're buying snacks that we 500 00:23:04,800 --> 00:23:06,399 Speaker 4: can pack in our bag for when we're out, and 501 00:23:06,440 --> 00:23:10,199 Speaker 4: about breakfasts if they're not included where you're staying, and 502 00:23:10,280 --> 00:23:12,240 Speaker 4: a few things that you can just have up your sleeve. 503 00:23:12,600 --> 00:23:14,359 Speaker 2: Like I don't know if you guys. 504 00:23:14,600 --> 00:23:17,280 Speaker 4: You have that hour between when you come back from 505 00:23:17,320 --> 00:23:19,800 Speaker 4: your activities in the afternoon and going out for dinner. 506 00:23:19,920 --> 00:23:23,560 Speaker 2: The doom scroll, the doom scroll session. Jess and I 507 00:23:23,600 --> 00:23:25,440 Speaker 2: love it. No talkie during that. 508 00:23:25,520 --> 00:23:29,040 Speaker 4: Time, client time, light time only we're laying on our beds. 509 00:23:29,080 --> 00:23:31,399 Speaker 4: We're actually strapped to our beds because we need to 510 00:23:31,480 --> 00:23:33,760 Speaker 4: charge our phones. But we want to be on our phones, 511 00:23:34,000 --> 00:23:36,480 Speaker 4: review the photos from the day, look at Instagram because 512 00:23:36,480 --> 00:23:37,880 Speaker 4: we've had no Wi Fi all day. 513 00:23:38,200 --> 00:23:39,199 Speaker 2: Also, don't talk to me. 514 00:23:39,480 --> 00:23:41,600 Speaker 4: But you might want to buy some little snacks to 515 00:23:41,720 --> 00:23:44,720 Speaker 4: tide you over, so like some Chippy's. Maybe you're buying 516 00:23:44,760 --> 00:23:46,199 Speaker 4: and I'm not saying that this is super cheap, but 517 00:23:46,200 --> 00:23:48,159 Speaker 4: maybe you're buying a little wine to have during that 518 00:23:48,200 --> 00:23:50,520 Speaker 4: period of time. But when you go out for dinner, 519 00:23:50,920 --> 00:23:53,120 Speaker 4: you could just get on entray. So we're still going 520 00:23:53,119 --> 00:23:55,120 Speaker 4: out for dinner, but you could have maybe some two 521 00:23:55,119 --> 00:23:59,000 Speaker 4: minute noodles or something. Still have the experience much cheaper 522 00:24:00,160 --> 00:24:03,280 Speaker 4: the grocery thing works for me on the like the 523 00:24:03,359 --> 00:24:05,320 Speaker 4: food thing. I have so many tips. Maybe if you 524 00:24:05,440 --> 00:24:07,840 Speaker 4: do your whole travel Hacks episode, if you're staying at 525 00:24:07,840 --> 00:24:10,840 Speaker 4: a resort that has buffet breakfast, or even if you're 526 00:24:10,840 --> 00:24:14,240 Speaker 4: staying at a backpack that has breakfast, us Jess mayor 527 00:24:14,280 --> 00:24:14,520 Speaker 4: do this. 528 00:24:14,720 --> 00:24:15,880 Speaker 2: I'm the only smart one that. 529 00:24:15,840 --> 00:24:20,240 Speaker 4: Brought tupperware, though, so take it tuperwear to breakfast. They 530 00:24:20,280 --> 00:24:25,360 Speaker 4: have a selection of breads, jams, cheeses, deli meats, make 531 00:24:25,400 --> 00:24:29,320 Speaker 4: a sandwich, take it for later. The little pastries were 532 00:24:29,359 --> 00:24:31,679 Speaker 4: taking those for morning tea. How many times did we 533 00:24:31,720 --> 00:24:35,200 Speaker 4: smuggle croissants out of our accommodation? 534 00:24:35,880 --> 00:24:36,880 Speaker 2: Probably one too many? 535 00:24:37,280 --> 00:24:39,680 Speaker 5: No, no such thing, not enough times. 536 00:24:40,320 --> 00:24:41,520 Speaker 2: The other one I wouldn't say. 537 00:24:41,520 --> 00:24:44,840 Speaker 4: When I was traveling Europe for the very first time, 538 00:24:45,400 --> 00:24:48,160 Speaker 4: night trains, yes you might go r V but they 539 00:24:48,200 --> 00:24:48,800 Speaker 4: take longer. 540 00:24:49,400 --> 00:24:50,760 Speaker 2: Yes, but I'm asleep on the train. 541 00:24:50,800 --> 00:24:53,399 Speaker 4: I'm not paying accommodation for that night, and I boom 542 00:24:53,440 --> 00:24:57,000 Speaker 4: bang my accommodation and my transport in one cost. Now, 543 00:24:57,119 --> 00:24:59,679 Speaker 4: double whammy, double whammy. I'm sleeping for the night. Is 544 00:24:59,680 --> 00:25:02,960 Speaker 4: it comeftable? Not that much, but let's not talk about it. 545 00:25:03,200 --> 00:25:05,480 Speaker 4: May work you're also this is going to be my 546 00:25:05,600 --> 00:25:09,159 Speaker 4: last one, but never eating at tourist destinations, so like 547 00:25:09,240 --> 00:25:11,480 Speaker 4: the main squares, so we're not eating there, you know, 548 00:25:11,640 --> 00:25:14,680 Speaker 4: we're going a little bit further out because everything will 549 00:25:14,680 --> 00:25:17,480 Speaker 4: be overpriced. So if you're going to Paris and you 550 00:25:17,520 --> 00:25:20,600 Speaker 4: see the Eiffel Tower, you are not eating anywhere near 551 00:25:20,680 --> 00:25:23,160 Speaker 4: the Eiffel Tower because there will be the Eiffel Tower 552 00:25:23,200 --> 00:25:27,320 Speaker 4: attacks and that happens everywhere. Yeah, I think that's it, 553 00:25:27,359 --> 00:25:29,320 Speaker 4: But I think you just need to be smart about 554 00:25:29,600 --> 00:25:31,960 Speaker 4: what you're doing and where you're going, and also, while 555 00:25:31,960 --> 00:25:36,680 Speaker 4: I'm here, sorry, factoring in your travel payments. So if 556 00:25:36,760 --> 00:25:39,800 Speaker 4: you are going, oh we're gonna you know, be budget 557 00:25:39,840 --> 00:25:42,840 Speaker 4: and stay not in the CBD. But like, let's pretend 558 00:25:42,880 --> 00:25:45,800 Speaker 4: it's Melbourne, you're traveling too. Well in the CBD, there's 559 00:25:45,800 --> 00:25:48,840 Speaker 4: actually free trams all around the city. So how much 560 00:25:48,880 --> 00:25:51,080 Speaker 4: are you then going to be spending on public transport 561 00:25:51,200 --> 00:25:53,800 Speaker 4: or ubers or whatever to get back to your hotel 562 00:25:53,920 --> 00:25:56,919 Speaker 4: each night? If you're staying further out, what like, have 563 00:25:56,960 --> 00:25:58,919 Speaker 4: a bit of a look you can actually in uber 564 00:25:59,280 --> 00:26:02,040 Speaker 4: put your like average destinations in and get a little 565 00:26:02,119 --> 00:26:04,760 Speaker 4: quote of what that might cost and see because like, 566 00:26:04,800 --> 00:26:06,520 Speaker 4: if you're telling me that you're then going to spend 567 00:26:06,600 --> 00:26:08,680 Speaker 4: fifty or sixty dollars a day on ubers or something, 568 00:26:08,680 --> 00:26:11,639 Speaker 4: and I'm not saying that's reasonable, but whatever, would you 569 00:26:11,680 --> 00:26:13,720 Speaker 4: not prefer to put that into your accommodation have a 570 00:26:13,720 --> 00:26:17,760 Speaker 4: more elevated accommodation experience and walk everywhere or catch the 571 00:26:17,760 --> 00:26:20,919 Speaker 4: free public transport what's available. Yeah, so just like weighing 572 00:26:20,920 --> 00:26:24,000 Speaker 4: it up in little things, yeap, cash back, you know, 573 00:26:24,200 --> 00:26:27,960 Speaker 4: booking deals, you know, talking to a travel agent can 574 00:26:28,080 --> 00:26:29,840 Speaker 4: help as well because they might be able to like 575 00:26:30,040 --> 00:26:32,760 Speaker 4: put everything together. But yeah, there's just lots. I just 576 00:26:32,880 --> 00:26:35,560 Speaker 4: I love travel, but I also am a frugal traveler. 577 00:26:35,760 --> 00:26:38,080 Speaker 2: Yeah, I sent the travel episode coming in our future. 578 00:26:38,200 --> 00:26:40,040 Speaker 2: Oh so hard. We'll work on that for you. 579 00:26:40,200 --> 00:26:42,240 Speaker 5: Yes, that's all for me though, when it comes to 580 00:26:42,320 --> 00:26:44,720 Speaker 5: travel tips and tricks, great tips. Now do you want 581 00:26:44,720 --> 00:26:46,480 Speaker 5: to get into the juicy deeds? Yeah? 582 00:26:47,800 --> 00:26:50,639 Speaker 4: So this week we got a DM Are you ready? Yes, 583 00:26:50,880 --> 00:26:54,919 Speaker 4: good afternoon. My community question is more about friendships and 584 00:26:54,960 --> 00:26:58,119 Speaker 4: asking for money, as I find it really awkward. I 585 00:26:58,200 --> 00:27:00,760 Speaker 4: work in the beauty industry and obviously do bits and 586 00:27:00,800 --> 00:27:03,880 Speaker 4: pieces for my friends a fair bit. They always pay 587 00:27:04,040 --> 00:27:06,119 Speaker 4: as a lot of them say friends are your biggest 588 00:27:06,160 --> 00:27:09,240 Speaker 4: and best clientele, But I do have one or two 589 00:27:09,320 --> 00:27:11,520 Speaker 4: that can take a long time to pay or just 590 00:27:11,560 --> 00:27:14,159 Speaker 4: forget and don't pay at all. But I find it 591 00:27:14,200 --> 00:27:17,280 Speaker 4: really awkward to ask for money and like I'm being rude, 592 00:27:17,520 --> 00:27:20,720 Speaker 4: which is ridiculous because obviously I'm not being And I 593 00:27:20,760 --> 00:27:23,280 Speaker 4: think what makes it harder is they always complain how 594 00:27:23,320 --> 00:27:25,119 Speaker 4: broke they are and have no money to pay for 595 00:27:25,160 --> 00:27:27,840 Speaker 4: this sort of stuff, yet can afford to online shop 596 00:27:27,880 --> 00:27:30,520 Speaker 4: for clothes. I know, I just need to bite the bullet, 597 00:27:30,560 --> 00:27:32,200 Speaker 4: but it's making me so nervous. 598 00:27:32,800 --> 00:27:33,479 Speaker 5: What would you do? 599 00:27:36,000 --> 00:27:39,440 Speaker 2: It's so hard because me my money. Yeah, it's hard 600 00:27:39,480 --> 00:27:43,199 Speaker 2: because the one thing I'd say is ah, they but 601 00:27:43,280 --> 00:27:45,879 Speaker 2: they do pay, So maybe not because I've said before, 602 00:27:46,119 --> 00:27:48,800 Speaker 2: how like I have friends who like, if one girl 603 00:27:48,800 --> 00:27:51,879 Speaker 2: does eyebrows, one girl does nails, like you like we 604 00:27:51,960 --> 00:27:53,600 Speaker 2: do a swapsias, or if one girl has a staff 605 00:27:53,640 --> 00:27:55,399 Speaker 2: discount here one girl, you know, I mean, like, but 606 00:27:55,600 --> 00:27:57,840 Speaker 2: it works for everyone. It's very different if you're the 607 00:27:57,920 --> 00:28:01,760 Speaker 2: only friend that has a skill set and it's your business. Yeah, correct, Yeah, 608 00:28:01,800 --> 00:28:04,000 Speaker 2: so that's a little bit different. I mean, maybe they 609 00:28:04,119 --> 00:28:07,080 Speaker 2: just have not clocked that and they're not really comprehending it. 610 00:28:07,359 --> 00:28:09,200 Speaker 2: The way that I would go about it, to simply 611 00:28:09,240 --> 00:28:11,240 Speaker 2: avoid confrontation is I would be. 612 00:28:11,200 --> 00:28:15,920 Speaker 4: Like, oh, number, no, we're not blocking. No, I would 613 00:28:16,000 --> 00:28:17,640 Speaker 4: want confrontation. Can't see her. 614 00:28:17,880 --> 00:28:22,960 Speaker 2: In quotation marks set up an online invoicing system and 615 00:28:23,040 --> 00:28:25,879 Speaker 2: so you just go, I mean you might already have 616 00:28:25,880 --> 00:28:27,760 Speaker 2: one for your business, I'm assuming, but if you don't 617 00:28:27,960 --> 00:28:29,800 Speaker 2: having one setup that just sends you know, when you 618 00:28:29,800 --> 00:28:32,479 Speaker 2: book a stand beauty appointment, you get a confirmation, so 619 00:28:32,600 --> 00:28:34,960 Speaker 2: just run them like a normal customer basically, rather than 620 00:28:34,960 --> 00:28:37,080 Speaker 2: being like, oh, yeah, just drop over Saturday afternoon, I'm 621 00:28:37,119 --> 00:28:38,480 Speaker 2: not working that day so I can fit you in 622 00:28:38,520 --> 00:28:41,440 Speaker 2: whenever actually book them in. If you have a system 623 00:28:41,920 --> 00:28:43,960 Speaker 2: and have the system sends the email, and then oh 624 00:28:44,000 --> 00:28:46,320 Speaker 2: would you look at that? The system sends an automatic remander. 625 00:28:46,400 --> 00:28:48,840 Speaker 2: It's not coming from you. The system just does it. 626 00:28:48,960 --> 00:28:51,280 Speaker 2: And if you don't know, as to Victoria's fake assistant before, 627 00:28:51,280 --> 00:28:53,600 Speaker 2: she had yeah, and if you don't have a system 628 00:28:53,600 --> 00:28:55,760 Speaker 2: that can do that automatically, you know, if you just 629 00:28:55,800 --> 00:28:58,000 Speaker 2: write an email that looks like an automatic system, they're 630 00:28:58,040 --> 00:29:01,040 Speaker 2: not going to know the difference, Like, Hi, yess, thanks 631 00:29:01,080 --> 00:29:03,320 Speaker 2: so much for booking your appointment, and you've got to put. 632 00:29:03,200 --> 00:29:05,560 Speaker 5: You've got to put a space between the word jess 633 00:29:05,600 --> 00:29:06,480 Speaker 5: and then the comma. 634 00:29:06,880 --> 00:29:10,520 Speaker 2: Yeah, so they So if you don't have a system, 635 00:29:10,560 --> 00:29:12,240 Speaker 2: you can just pretend that you have one, And in 636 00:29:12,280 --> 00:29:14,080 Speaker 2: my opinion, that kind of just takes. 637 00:29:13,840 --> 00:29:15,640 Speaker 4: You out of it, the awkwardness out of it. I'm 638 00:29:15,680 --> 00:29:17,880 Speaker 4: not going to lie, I would laugh. So Like, obviously 639 00:29:17,960 --> 00:29:20,480 Speaker 4: I'd be mortified if I owed you money and you 640 00:29:20,520 --> 00:29:22,880 Speaker 4: send a reminder like that, But also like I would 641 00:29:22,880 --> 00:29:24,440 Speaker 4: be like, did you make this up? 642 00:29:25,280 --> 00:29:26,760 Speaker 2: But I think you can do it and you can't 643 00:29:26,800 --> 00:29:28,720 Speaker 2: tell I mean, there are other ways to go about it, 644 00:29:28,760 --> 00:29:29,640 Speaker 2: which I'm sure you guys. 645 00:29:29,440 --> 00:29:32,160 Speaker 5: Get into laughing so much. Have you ever done this? 646 00:29:32,760 --> 00:29:36,280 Speaker 2: I mean, I don't offer services, so no, I just 647 00:29:36,320 --> 00:29:39,560 Speaker 2: switch arough who does each other's nails occasion? Yeah, literally, 648 00:29:39,640 --> 00:29:41,400 Speaker 2: it's a little bit less formal, but like I can 649 00:29:41,440 --> 00:29:43,360 Speaker 2: totally see if you're doing it for them all the time. 650 00:29:43,480 --> 00:29:46,240 Speaker 2: Your time is valuable as a professional, and it's not 651 00:29:46,480 --> 00:29:48,480 Speaker 2: fair of your friends to take advantage of them. And 652 00:29:48,520 --> 00:29:51,840 Speaker 2: if you're not comfortable having that conversation, which you should 653 00:29:51,840 --> 00:29:53,960 Speaker 2: because they're friends and they, as your other friends said, 654 00:29:53,960 --> 00:29:56,200 Speaker 2: they should champion you and want you to succeed, but 655 00:29:56,280 --> 00:29:59,840 Speaker 2: if you feel a bit weird, that's what I would do. Wow, 656 00:30:00,040 --> 00:30:04,600 Speaker 2: Oh that's quite clever, little scheamy what you do. 657 00:30:04,680 --> 00:30:08,920 Speaker 5: I guess, like I think if you, like, if it 658 00:30:08,960 --> 00:30:12,040 Speaker 5: isn't possible to like maybe from now be like, oh 659 00:30:12,080 --> 00:30:15,120 Speaker 5: I might never see that money. I don't care, but 660 00:30:15,440 --> 00:30:18,160 Speaker 5: from now on, I'm actually way too busy to fit 661 00:30:18,200 --> 00:30:20,040 Speaker 5: anyone else in, Like, no one that's gonna be. 662 00:30:20,200 --> 00:30:21,440 Speaker 2: You know when I have capacity. 663 00:30:21,760 --> 00:30:24,920 Speaker 5: Yeah, yeah, something like that. Because then like, if you 664 00:30:24,960 --> 00:30:27,560 Speaker 5: don't want to have confrontations, I want to, like I 665 00:30:27,600 --> 00:30:30,280 Speaker 5: would go silently cutting your friends off from that kind 666 00:30:30,320 --> 00:30:32,520 Speaker 5: of thing, Like I would still, like, you know, go 667 00:30:32,600 --> 00:30:34,000 Speaker 5: out with them and all that kind of stuff. But 668 00:30:34,080 --> 00:30:36,520 Speaker 5: just like if you don't want to bring it up, 669 00:30:36,920 --> 00:30:39,440 Speaker 5: then hopefully they just get the hint. But I also 670 00:30:39,560 --> 00:30:41,960 Speaker 5: do think like it doesn't have to be it doesn't 671 00:30:42,000 --> 00:30:44,120 Speaker 5: have to be awkward. I was actually talking about this 672 00:30:44,200 --> 00:30:46,600 Speaker 5: last night with some of my friends. We're talking about 673 00:30:46,600 --> 00:30:49,480 Speaker 5: like the best way to tell someone that you've got 674 00:30:49,480 --> 00:30:51,560 Speaker 5: an issue to bring up or something like this. It's 675 00:30:51,600 --> 00:30:53,720 Speaker 5: awkward and the best way to do it, but it 676 00:30:53,760 --> 00:30:56,400 Speaker 5: doesn't work for everyone, but for us we agreed that 677 00:30:57,080 --> 00:30:59,840 Speaker 5: just being like you're giving me the shits, like just 678 00:30:59,880 --> 00:31:02,440 Speaker 5: be so casual and what kind of funny and silly 679 00:31:02,440 --> 00:31:05,719 Speaker 5: about it is the best way to just break that. 680 00:31:06,120 --> 00:31:09,000 Speaker 5: My team talk to me, yeah, and then just as 681 00:31:09,040 --> 00:31:11,360 Speaker 5: like you're being really annoying and I'm like, yeah, noted, 682 00:31:11,480 --> 00:31:16,520 Speaker 5: I'm not stopping though, but hopefully like the it really 683 00:31:16,560 --> 00:31:19,200 Speaker 5: it really does depend on the person receiving the information, 684 00:31:19,280 --> 00:31:22,560 Speaker 5: because if you know that someone's quite like defensive and 685 00:31:22,800 --> 00:31:25,720 Speaker 5: totally then it's like this is literally impossible. There's nothing, 686 00:31:25,800 --> 00:31:29,880 Speaker 5: there's no way that you can communicate then a service 687 00:31:30,040 --> 00:31:32,600 Speaker 5: if they're like that, yeah, oh yeah. But if they're not, 688 00:31:33,000 --> 00:31:34,880 Speaker 5: then there really is a way. Maybe they're the type 689 00:31:34,920 --> 00:31:37,280 Speaker 5: of person that respond really well to humor, maybe they're 690 00:31:37,320 --> 00:31:39,800 Speaker 5: the type of person that responds really well to like 691 00:31:40,080 --> 00:31:42,560 Speaker 5: they're quite empathetic, then maybe be a little bit like 692 00:31:42,920 --> 00:31:45,080 Speaker 5: soft with them and gentle. It just depends on the 693 00:31:45,120 --> 00:31:47,680 Speaker 5: receiver in this situation, I think, and how you can 694 00:31:47,760 --> 00:31:50,200 Speaker 5: best I mean, it's hard because if there's a few 695 00:31:50,200 --> 00:31:51,760 Speaker 5: of them that you know, you might need to tailor 696 00:31:51,800 --> 00:31:54,520 Speaker 5: your your situation and the way you approach it so 697 00:31:54,560 --> 00:31:57,080 Speaker 5: many different times. But if they're defensive. You can't really 698 00:31:57,120 --> 00:31:58,680 Speaker 5: do anything, and don't beat yourself up about it. Just 699 00:31:59,120 --> 00:32:01,320 Speaker 5: you don't have capacity any more, basically, is what I'm saying. 700 00:32:01,760 --> 00:32:02,400 Speaker 5: You're too busy. 701 00:32:02,560 --> 00:32:04,560 Speaker 2: Yeah, until you've paid all the outstanding voices. 702 00:32:04,680 --> 00:32:07,440 Speaker 4: Yeah yeah, yeah, So we've got that silent cut off, 703 00:32:07,640 --> 00:32:11,000 Speaker 4: we've got the fake in voicing system. You had a 704 00:32:11,080 --> 00:32:13,760 Speaker 4: level of like, oh, use your empathy, which I like, 705 00:32:14,240 --> 00:32:16,880 Speaker 4: I'm probably just going to call them out for. I'm 706 00:32:16,880 --> 00:32:18,800 Speaker 4: just going to be like, hey, this is really awkward. 707 00:32:18,960 --> 00:32:21,200 Speaker 4: But I've had to chase this a couple of times. 708 00:32:21,240 --> 00:32:23,480 Speaker 4: What's going on? Like I don't think I would mention 709 00:32:23,520 --> 00:32:26,440 Speaker 4: their spending habits because like, from my perspective, that's none 710 00:32:26,520 --> 00:32:29,080 Speaker 4: of my business. Now they're spending their money. I feel 711 00:32:29,120 --> 00:32:32,360 Speaker 4: like calling other people out on their money habits. You 712 00:32:32,440 --> 00:32:34,520 Speaker 4: don't know them, Like, don't get me wrong, you could 713 00:32:34,520 --> 00:32:36,680 Speaker 4: have been best friends with this person for thirty years, 714 00:32:36,720 --> 00:32:38,880 Speaker 4: but you don't know them. That could be an issue, 715 00:32:39,080 --> 00:32:41,560 Speaker 4: That could be something that stresses them out. Maybe they 716 00:32:41,600 --> 00:32:44,720 Speaker 4: have a shopping addiction that you haven't discussed, or maybe 717 00:32:44,800 --> 00:32:46,880 Speaker 4: that was their way of dealing with some level of 718 00:32:46,920 --> 00:32:49,280 Speaker 4: grief or troup. Like none of your business, Yes, to 719 00:32:49,320 --> 00:32:52,280 Speaker 4: be honest. If let's pretend Jess saw me spending money 720 00:32:52,560 --> 00:32:55,640 Speaker 4: when I owed her money, Like, I know, on a. 721 00:32:55,640 --> 00:32:58,680 Speaker 5: Deep level, that's a bad look. Like do people not 722 00:32:58,840 --> 00:32:59,720 Speaker 5: know that that's not. 723 00:33:00,120 --> 00:33:02,160 Speaker 2: These people don't though, like they're still doing it. 724 00:33:02,400 --> 00:33:04,240 Speaker 4: Yeah, But I just I think it then goes down 725 00:33:04,280 --> 00:33:06,400 Speaker 4: to a lack of respect, because if I haven't paid 726 00:33:06,440 --> 00:33:08,360 Speaker 4: you back and I'm going and spending money in a 727 00:33:08,400 --> 00:33:12,080 Speaker 4: different area, I'm basically sending the message, whether that is 728 00:33:12,120 --> 00:33:15,760 Speaker 4: by choice or not, that my priorities are worth more 729 00:33:15,800 --> 00:33:18,960 Speaker 4: than me paying you back, Yess, And like that's not cool. 730 00:33:19,000 --> 00:33:20,520 Speaker 4: They're not the type of people that I want to 731 00:33:20,600 --> 00:33:23,080 Speaker 4: keep the company of. And I'm not saying that there's 732 00:33:23,080 --> 00:33:25,120 Speaker 4: a good or a bad or even an in between, 733 00:33:25,160 --> 00:33:28,440 Speaker 4: but I would probably just politely say hey, like is 734 00:33:28,480 --> 00:33:30,360 Speaker 4: this And I always like to preface it with like 735 00:33:30,760 --> 00:33:35,840 Speaker 4: it's so awkward, sorry, yeah, but can you xyz it? 736 00:33:35,880 --> 00:33:37,440 Speaker 4: And it just like kind of softens the blow. It's 737 00:33:37,440 --> 00:33:39,240 Speaker 4: a bit like you know how you're saying, you know, 738 00:33:39,320 --> 00:33:42,160 Speaker 4: read the room. How do you make confrontation a little 739 00:33:42,160 --> 00:33:44,520 Speaker 4: bit less awkward with a friends? Like calling it out great, 740 00:33:44,840 --> 00:33:47,480 Speaker 4: But like in that situation, I'd be. 741 00:33:47,440 --> 00:33:48,680 Speaker 2: Like, oh, this is so awkward. 742 00:33:48,760 --> 00:33:51,680 Speaker 4: But you're really annoying me right now, like I feel 743 00:33:51,680 --> 00:33:52,720 Speaker 4: like calling it out. 744 00:33:53,080 --> 00:33:55,240 Speaker 2: Oh my god, honest communication imagine. 745 00:33:55,240 --> 00:33:58,560 Speaker 5: Oh I hate how we always crazy that it's wild. 746 00:33:58,680 --> 00:34:01,560 Speaker 5: What did everyone else say? If you were our community member, 747 00:34:01,560 --> 00:34:03,680 Speaker 5: what would you do? Three percent of you said I'm 748 00:34:03,680 --> 00:34:07,000 Speaker 5: calling them out for their other spending three three forty 749 00:34:07,000 --> 00:34:10,440 Speaker 5: five percent said I'm going to politely remind them, forty 750 00:34:10,480 --> 00:34:13,200 Speaker 5: three percent said I'm going to require pre payment in 751 00:34:13,239 --> 00:34:16,760 Speaker 5: the future. Oh good one, that's clever, and nine percent 752 00:34:16,880 --> 00:34:19,200 Speaker 5: this is so funny because like all of these options, 753 00:34:19,239 --> 00:34:21,359 Speaker 5: which you guys clearly hadn't seen because I ran this 754 00:34:21,800 --> 00:34:22,399 Speaker 5: cut them off. 755 00:34:23,719 --> 00:34:24,120 Speaker 2: Okay. 756 00:34:24,200 --> 00:34:26,160 Speaker 4: We then said, how do you usually deal with friends 757 00:34:26,200 --> 00:34:28,640 Speaker 4: who owe you money? Forty four percent said I always 758 00:34:28,680 --> 00:34:31,160 Speaker 4: chase up what I'm ode, forty two percent said I 759 00:34:31,200 --> 00:34:33,040 Speaker 4: ask a few times and then I just let it go. 760 00:34:33,480 --> 00:34:35,799 Speaker 4: And fourteen percent of you said I wait for them 761 00:34:35,840 --> 00:34:36,400 Speaker 4: to bring it up. 762 00:34:36,440 --> 00:34:40,000 Speaker 2: If it's awkward, they could be forgetful, like I have 763 00:34:40,160 --> 00:34:41,120 Speaker 2: definitely been that person. 764 00:34:41,920 --> 00:34:42,120 Speaker 5: HD. 765 00:34:42,320 --> 00:34:45,319 Speaker 2: I forget someone's message in the group chat Hey guys, 766 00:34:45,400 --> 00:34:47,319 Speaker 2: XYZ for dinner, and I've seen it at work and 767 00:34:47,360 --> 00:34:49,160 Speaker 2: going yep, need to do that later. And then forgotten, 768 00:34:49,200 --> 00:34:50,600 Speaker 2: and then a week later, I've like sat up in 769 00:34:50,600 --> 00:34:51,479 Speaker 2: bed and been like, oh. 770 00:34:51,440 --> 00:34:57,040 Speaker 5: Yes, like maybe you know, maybe gentle Yes, yeah, definitely, 771 00:34:57,400 --> 00:35:01,000 Speaker 5: And I think gentle reminders can be kind. Like at 772 00:35:01,040 --> 00:35:03,480 Speaker 5: the end of the day, it's something they said that 773 00:35:03,520 --> 00:35:06,440 Speaker 5: they were going to do, Like, it's not you asking 774 00:35:06,520 --> 00:35:08,680 Speaker 5: for money for a service they thought they were getting 775 00:35:08,680 --> 00:35:11,600 Speaker 5: for free, which is a completely different ballgame. We then 776 00:35:11,719 --> 00:35:13,560 Speaker 5: said to the community, all right, guys, what are your 777 00:35:13,560 --> 00:35:17,080 Speaker 5: two cents? First person said, if I have to remind 778 00:35:17,120 --> 00:35:19,600 Speaker 5: them twice, I'm sick the next time they book him, 779 00:35:19,800 --> 00:35:23,600 Speaker 5: and then all of a sudden they pay. Someone else said, 780 00:35:23,640 --> 00:35:26,719 Speaker 5: offer to teach them how to do it themselves. That 781 00:35:26,840 --> 00:35:29,480 Speaker 5: way you feel helpful, but now you're not losing money. 782 00:35:29,560 --> 00:35:32,000 Speaker 2: I kind of like that, Oh sorry. 783 00:35:32,080 --> 00:35:33,799 Speaker 4: In my head when I read that, I was like, what, 784 00:35:33,960 --> 00:35:36,000 Speaker 4: teach them how to do a bank transfer? 785 00:35:38,960 --> 00:35:41,920 Speaker 5: And then it was like, oh, teach them the service. Okay, 786 00:35:42,000 --> 00:35:46,640 Speaker 5: please ignore me and the way my brain. Next person said, 787 00:35:46,760 --> 00:35:50,719 Speaker 5: short change now impacts the compounding interest for you tomorrow. 788 00:35:50,960 --> 00:35:51,920 Speaker 2: You need to speak up. 789 00:35:52,239 --> 00:35:54,960 Speaker 5: Wow is that victoria? 790 00:35:55,200 --> 00:35:56,440 Speaker 4: I feel like I might be in their brain a 791 00:35:56,480 --> 00:35:59,719 Speaker 4: little bit. Someone else said that stop making excuses for 792 00:35:59,719 --> 00:36:02,439 Speaker 4: people you know are lying to you. 793 00:36:02,920 --> 00:36:06,920 Speaker 2: Oh it is. 794 00:36:07,440 --> 00:36:11,120 Speaker 4: Someone else said, rude, but there's like four us, four d's, 795 00:36:11,160 --> 00:36:12,400 Speaker 4: four e's. 796 00:36:11,960 --> 00:36:15,600 Speaker 2: And five exclamation points. I mean that rude. 797 00:36:17,239 --> 00:36:20,080 Speaker 5: And then they said they should value your hard work 798 00:36:20,160 --> 00:36:23,120 Speaker 5: the most, and they saw what it took to get 799 00:36:23,120 --> 00:36:24,319 Speaker 5: you there, they need to pay you. 800 00:36:24,520 --> 00:36:25,160 Speaker 2: That's so true. 801 00:36:25,280 --> 00:36:28,360 Speaker 4: Someone else said, we use the Beamet app to settle 802 00:36:28,400 --> 00:36:32,400 Speaker 4: all expenses. It is much easier than asking. But you 803 00:36:32,400 --> 00:36:35,319 Speaker 4: could have like split wise because even if like the 804 00:36:35,440 --> 00:36:38,040 Speaker 4: cool thing about split wise is obviously if Jess and 805 00:36:38,080 --> 00:36:40,560 Speaker 4: I shared a pizza with Beg, we could split it 806 00:36:40,640 --> 00:36:43,239 Speaker 4: three ways, or Jess is not paying and it's just 807 00:36:43,239 --> 00:36:45,279 Speaker 4: beck and eye. But you can also split it one way. 808 00:36:45,320 --> 00:36:46,920 Speaker 4: You can say one hundred percent of the costs goes 809 00:36:46,920 --> 00:36:49,440 Speaker 4: to Jessica for that, Yeah, and it just comes up 810 00:36:49,480 --> 00:36:50,720 Speaker 4: there's a reminder on their phone. 811 00:36:50,920 --> 00:36:52,440 Speaker 2: Yeah, and it tracks it. 812 00:36:52,480 --> 00:36:54,520 Speaker 5: But with beam it you can actually when you swipe 813 00:36:54,520 --> 00:36:56,920 Speaker 5: to pay, it actually pays it. With split wise, it's 814 00:36:56,920 --> 00:36:59,480 Speaker 5: swiped to pay, it doesn't really come out of your account. 815 00:36:59,640 --> 00:37:01,080 Speaker 5: You have to go and then follow. 816 00:37:01,320 --> 00:37:04,400 Speaker 2: I love that, Like your account is like linked linked 817 00:37:04,440 --> 00:37:05,759 Speaker 2: to beam it. So when you do that, and it 818 00:37:05,760 --> 00:37:07,359 Speaker 2: says I can get behind that. 819 00:37:07,600 --> 00:37:11,320 Speaker 5: You've paid the other person have to accept it all No, nope, 820 00:37:11,440 --> 00:37:13,879 Speaker 5: you just like they add something into beam it and 821 00:37:13,920 --> 00:37:17,000 Speaker 5: then you go ahead and say, and you've to your bank, 822 00:37:17,080 --> 00:37:18,799 Speaker 5: you've linked it, and then it says swipe to pay. 823 00:37:18,920 --> 00:37:21,839 Speaker 5: You literally just swipe and then it processes and then 824 00:37:21,920 --> 00:37:23,960 Speaker 5: gives you the tick. You don't have to do any 825 00:37:23,920 --> 00:37:27,480 Speaker 5: of that. Go now, go to your bank and anyway. 826 00:37:27,160 --> 00:37:31,160 Speaker 2: I'm obsessed. It's great. I'm obsessed, me too, How good? 827 00:37:31,400 --> 00:37:31,759 Speaker 5: All right? 828 00:37:32,000 --> 00:37:35,240 Speaker 4: Next person said, I'm self employed and serving friends gives 829 00:37:35,239 --> 00:37:37,920 Speaker 4: me the ick because they always expect a huge discount 830 00:37:37,920 --> 00:37:42,239 Speaker 4: for no reason. Someone else said friends should support each 831 00:37:42,280 --> 00:37:45,719 Speaker 4: other's businesses, not take advantage. Real friends would pay from 832 00:37:45,760 --> 00:37:46,319 Speaker 4: the get go. 833 00:37:46,840 --> 00:37:49,359 Speaker 2: Amen, and I'm going to leave it there, gorgeous. I'm 834 00:37:49,360 --> 00:37:50,040 Speaker 2: going to leave it there. 835 00:37:50,040 --> 00:37:52,520 Speaker 5: I feel like I've yapped a lot this episode. Good wait, 836 00:37:52,600 --> 00:37:53,360 Speaker 5: good place to leave it? 837 00:37:53,480 --> 00:37:54,000 Speaker 2: How good? 838 00:37:54,080 --> 00:37:54,440 Speaker 4: All right? 839 00:37:54,480 --> 00:37:57,640 Speaker 5: Well, have a good weekend, guys. We will live love, 840 00:37:57,719 --> 00:38:00,560 Speaker 5: laugh on the flip side, and see you Monday morning. 841 00:38:00,719 --> 00:38:08,720 Speaker 5: Right nearly for money, Darry, Bye, guys. Bye. 842 00:38:09,560 --> 00:38:12,080 Speaker 4: The advice shared on She's on the Money is general 843 00:38:12,160 --> 00:38:16,000 Speaker 4: in nature and does not consider your individual circumstances. She's 844 00:38:16,040 --> 00:38:19,440 Speaker 4: on the Money exists purely for educational purposes and should 845 00:38:19,520 --> 00:38:22,719 Speaker 4: not be relied upon to make an investment or financial decision. 846 00:38:23,080 --> 00:38:25,400 Speaker 2: If you do choose to buy a financial. 847 00:38:24,880 --> 00:38:28,880 Speaker 4: Product, read the PDS TMD and obtain appropriate financial. 848 00:38:28,480 --> 00:38:30,280 Speaker 5: Advice tailored towards your needs. 849 00:38:30,640 --> 00:38:34,600 Speaker 4: Victoria Divine and She's on the Money are authorized representatives 850 00:38:34,640 --> 00:38:38,680 Speaker 4: of money. Sheper pty Ltd ABN three two one six 851 00:38:38,840 --> 00:38:42,719 Speaker 4: four nine two seven seven zero eight AFSL four five 852 00:38:42,800 --> 00:38:47,560 Speaker 4: one two eight nine