Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money. She's on the Money.
Speaker 4: Hello and welcome to She's on the Money. That makes
Speaker 4: personal finance fun, especially on Fridays. It is actually our
Speaker 4: favorite day of the week. Surprise surprise there because we
Speaker 4: get our team together to celebrate you, our incredible She's
Speaker 4: on the Money community, Miss Jessicricci, She's going to be
Speaker 4: sharing our favorite money wins. Miss Becsayed is here sharing
Speaker 4: her broke tips. We're going to be helping to answer
Speaker 4: our money dilemma, which this week is about saving money
Speaker 4: on travel and something that you slid into my dams
Speaker 4: about were chatting this week.
Speaker 5: About what to do when friends.
Speaker 2: Owe you money. Oh awkward.
Speaker 5: Yes, But before we get there, how are your weeks.
Speaker 2: Very good this week? You know what, it's a very
Speaker 2: good day for me because I don't know if I've
Speaker 2: told the potty of this, but I've definitely cried to
Speaker 2: you two about it. My cat recently had what's called
Speaker 2: radio id in therapy treatment whatever, so he was radioactive.
Speaker 2: Like literally, Rabel, tell the class what you did. I
Speaker 2: did buy a Geigercounter, which I didn't even know existed.
Speaker 2: That's rule the level. Not because I was concerned for
Speaker 2: my own health, but because I was hoping that so
Speaker 2: he radioactive less, so I could cuddle him sooner. Because
Speaker 2: the holy shoe for everyone at home is he had
Speaker 2: to spend a week at the vet, which was very
Speaker 2: sad because I knew he'd be scared, and then for
Speaker 2: two weeks at home we couldn't touch him and cuddle him.
Speaker 2: Had to keep him locked out of the room, which
Speaker 2: would have been like hello, fully, I'm so worried that
Speaker 2: he's thought that we don't love him anymore. Anyway, I've
Speaker 2: cried about it many a time.
Speaker 4: Well, I locked my cat in the pantry the other
Speaker 4: day by accident, and then in the middle of the
Speaker 4: night here.
Speaker 2: Says that possible.
Speaker 4: Turns out now it was my cat in the ban
Speaker 4: and tree. So I'm a terrible cat mum, You're a
Speaker 4: great cat mum.
Speaker 2: I wasn't gonna starve to death. But yeah, it's been
Speaker 2: a very rough three weeks because that. But today marks
Speaker 2: the end of the three week period, so I could
Speaker 2: officially cuddle you mentioned make sure he's not radioactive. I
Speaker 2: was literally like, I'm not even gonna look at it
Speaker 2: because if it's too I don't care. They said, they
Speaker 2: said the end of three weeks if I could hug him,
Speaker 2: So now I'm gonna hug him.
Speaker 4: As with that, also, she did bring that Geiger counter
Speaker 4: into the office and I tested everything.
Speaker 2: Yeah, it was very Did you find anything quite radioactive? No,
Speaker 2: was quite bad.
Speaker 4: I've just decided that the dangerous defective. Sure, it was
Speaker 4: like fifteen And what was the dangerous? I think under
Speaker 4: fifty is like normal every day like And what was
Speaker 4: your measuring the day you brought him home?
Speaker 2: Like two thousands?
Speaker 4: My wow, he fully was radioactive Because I said to Jess,
Speaker 4: do you reckon? Like I don't know how these things are,
Speaker 4: but do you reckon they're just being really conservative, like
Speaker 4: how I don't know how that really really yeah, really
Speaker 4: radioactive really yeah. Maybe that's just showing that I am
Speaker 4: wildly uneducated, which is true until now. And Jess brought
Speaker 4: me a ga encounter so cute.
Speaker 2: So that's a great day for me.
Speaker 5: That's very nice, Jess me. You know, I've just live
Speaker 5: and laugh and love and I have such a nice week.
Speaker 5: I live in my new house with my friend.
Speaker 2: It's so sweet.
Speaker 5: It just feels like it's what I've always wanted.
Speaker 2: Dining chairs now here we do have not.
Speaker 5: Now Jess has brought some dining chairs, thank you so much,
Speaker 5: so we can finally sit and but it's just like
Speaker 5: I've always wanted that kind of lifestyle where my friends
Speaker 5: just kind of like it's like a revolving door and there's.
Speaker 2: Always just someone.
Speaker 5: Someone around and it's so nice.
Speaker 2: I really I'm really.
Speaker 5: Happy right now.
Speaker 2: So I love this. The front of your new house
Speaker 2: fully attached, unlike.
Speaker 5: The last Yes, shockingly, and we've never I've never been
Speaker 5: you know, I've never had a house it's not detached,
Speaker 5: and every corner it kind of does and it's still
Speaker 5: it's a very old house and it definitely plants personality
Speaker 5: personally and the liner is like fully coming up and
Speaker 5: that's but that's okay because the house is attached at
Speaker 5: every corner and that's all.
Speaker 2: Thank you. Yeah, just like chuck it.
Speaker 5: We just chucked a rug over it.
Speaker 2: That's perfect.
Speaker 5: Then, yes, stunning absolutely has my went good.
Speaker 2: I've been in the office.
Speaker 5: We've been just working our lives away.
Speaker 4: I feel like because we had Jacqueline, one of our
Speaker 4: mortgage brokers, on the podcast, honestly such a great episode,
Speaker 4: but that did spike a little bit more interest, so
Speaker 4: we have been run off our feet, which we are
Speaker 4: very grateful for.
Speaker 5: We have a hit more like.
Speaker 4: First home Buyers in the Weekings, which I don't know,
Speaker 4: it's just there's something special about helping people get into
Speaker 4: their first homes or like, one thing that I thought
Speaker 4: a lot of people learned from that episode is that
Speaker 4: you don't need to have your deposit before you speak
Speaker 4: to a broker. And I think a lot of us think, oh,
Speaker 4: I don't want to really waste someone's time or have
Speaker 4: a chat, but we're speaking to some people who are like, oh,
Speaker 4: I would love to buy a house and it's.
Speaker 2: Just a good week.
Speaker 4: Yeah, I've just been working, guys, that's it, just working lady. Yeah,
Speaker 4: do you want because my week hasn't been arguably as
Speaker 4: exciting as it could be. But you know what, he's exciting?
Speaker 4: Five star review Yes, are you ready ready? This is
Speaker 4: cloder is their username. Five star review says I was
Speaker 4: first introduced to She's on the Money three years ago
Speaker 4: when my sister handed me their first book. Ever since then,
Speaker 4: I have listened to this podcast religiously. My money story
Speaker 4: has completely changed for the better. I feel so educated
Speaker 4: and empowered. Never in my wildest dreams did I think
Speaker 4: I would be investing and have a property.
Speaker 2: Oh, here we are.
Speaker 5: The episodes have something for everyone. I won't lie.
Speaker 4: I do sometimes have to replay things back so I
Speaker 4: can understand them. But the dynamics of the team really
Speaker 4: helped to make this podcast accessible to all. Even my
Speaker 4: boyfriend loves when I play this in the car. Thanks ladies,
Speaker 4: we love a little bit of girl power.
Speaker 2: Love soad.
Speaker 4: It's just the idea that you didn't think you were
Speaker 4: going to invest or, you didn't think you would own property.
Speaker 5: Yeah, that's what should go so sick.
Speaker 2: It's actually just so cool.
Speaker 5: That people are like, oh, I did it myself. I
Speaker 5: just needed a little bit of a kick. Yeah, yeah, yeah,
Speaker 5: I'll do that for really cool fun. Congratulations. I'm so
Speaker 5: excited about that. But another exciting thing is the Facebook group. Yes,
Speaker 5: every single week we drop a thread where you can
Speaker 5: share your money wins and confessions, and then you pick
Speaker 5: a handful of them to share on the show. What
Speaker 5: have you raked in this week? Alrighty?
Speaker 2: Firstly, I've got one this week from Catherine, who said
Speaker 2: today is the first time ever in over a decade.
Speaker 2: I haven't had two kids in childcare. Oh my gosh.
Speaker 2: That must be very relieving. She'll be saving over twelve
Speaker 2: thousand dollars a year alone just in daycare expenses, which
Speaker 2: is pretty incredible. And there is a light at the
Speaker 2: end of the tunnel for all the parents who are
Speaker 2: pulling double duty currently. Next, I've got a money win
Speaker 2: from Aloise, who said she recently discovered that her gym
Speaker 2: has those full body massage ches and apparently they're amazing.
Speaker 2: She says she now does like two massages a week
Speaker 2: and she doesn't have to pay for them. She's saving
Speaker 2: money left, right and center.
Speaker 5: Oh my gosh, I would go more than two times.
Speaker 2: Where is this place? Aisha said. Apparently Planet Fitness is
Speaker 2: really good. It's nine dollars a week for membership and
Speaker 2: they give free weekly spray hands and massages. I think
Speaker 2: that's in a miracle. Why no, I am so excited.
Speaker 4: Why because I live on TikTok and I saw that
Speaker 4: and I was like, what do you mean your gym
Speaker 4: does free spray tns. I would pay for them, yeah,
Speaker 4: but it might be in Australia. So if someone could
Speaker 4: slide into our dms and be like, hey, well, actually.
Speaker 5: I'll do some research in Australia. I'm sure they're American listeners,
Speaker 5: so that's good for them to know.
Speaker 4: I think I saw the other day alright, Hey, so
Speaker 4: his name's Matt. He's on Instagram and TikTok and I
Speaker 4: really like his content. I'm pretty sure I saw him
Speaker 4: say that he used his Jym spray tanner. Oh I
Speaker 4: didn't see this video, yes, and like it was automated,
Speaker 4: but he was so loud and he couldn't hear the instructions,
Speaker 4: so we basically only spray tanned his front and said
Speaker 4: that his back was not his not his business.
Speaker 5: And I was like slay, so maybe it's in Australia
Speaker 5: as well.
Speaker 2: Maybe Okay, that's that really really, I'll do some research
Speaker 2: and report back to you that next week. But I
Speaker 2: was like, that would be un real.
Speaker 5: It's like quite expensive, no, spray can. I think it's
Speaker 5: about fifty or sixty dollars. I'm not saying that that's everywhere. Yeah,
Speaker 5: depends because I think, yeah, like I think you could
Speaker 5: probably get I don't know, remember in high school spraytann's
Speaker 5: weally twenty dollars, but now they're or I think that
Speaker 5: they're expensive, and like I mean, I live in inner
Speaker 5: city Melbourne, so they're probably more expensive than further out.
Speaker 4: But yeah, that's a lot of money. Yeah, I'll only
Speaker 4: get a spray tann if there's a really good event
Speaker 4: coming up.
Speaker 2: Yeah. Same.
Speaker 4: Otherwise catch me fake tanning in my bathroom all oh
Speaker 4: yeah yeah.
Speaker 2: Pemi stuff just as good.
Speaker 4: Yeah, it does it perfectly, honestly, and again the back
Speaker 4: of my body is not my business.
Speaker 2: Completely agree, Completely agree. Next, I've got a money in
Speaker 2: from Carrie who said she got a free chip from Coals.
Speaker 2: She went to pick up her groceries on Saturday and
Speaker 2: someone had apparently bought them all. They bought ten plus chickens,
Speaker 2: which is crazy.
Speaker 5: So she's doing I have questions, got some question.
Speaker 2: She asked how far away the next ones were. It
Speaker 2: was over an hour. So she got the voucher that
Speaker 2: you get. Apparently there's no chickens available. I think we
Speaker 2: mentioned this before you get an So she did that,
Speaker 2: and now she said she's eating her free roast chok
Speaker 2: for lunch today. Good on you, very very good win. Next,
Speaker 2: I've got a money in from Christy, who said she
Speaker 2: repurposed address that she used to love, but she didn't
Speaker 2: like the straps on. She used her sewing skills to
Speaker 2: change from tie up straps to adjustable bra type straps. Boom,
Speaker 2: new dress. Kind of I love that. That's very disagreed,
Speaker 2: She coded, sewing is an underrated skill. I feel like
Speaker 2: taking something you've loved but maybe don't love anymore because
Speaker 2: it doesn't fit the way it used to, or you
Speaker 2: just want to refresher total vibe. And then lastly, this week,
Speaker 2: I've got a money in from Emma, who said, oh
Speaker 2: my goodness, I've been waiting to share this all week.
Speaker 2: Thanks Emma. Like many others, I have a technology draw
Speaker 2: at home with old phones and gaming consoles and things
Speaker 2: like that in it. She took them to trade in
Speaker 2: at CeX Electronic Exchange and walked away with a little
Speaker 2: over six hundred bucks.
Speaker 5: Cool.
Speaker 2: She said the items were great quality and otherwise would
Speaker 2: have gone to Eway, so she had a little bit
Speaker 2: side cash and now she's happy knowing someone else will
Speaker 2: get to use the part or the items themselves instead
Speaker 2: of it going to Landfield. Great. That's actually so good.
Speaker 2: Good reminder. I definitely have a couple of old iPhones
Speaker 2: lying around, like twenty bucks for them each. I'm like,
Speaker 2: that's money you didn't have your stay. It's exactly right.
Speaker 5: Yeah, that is a great call.
Speaker 2: So everyone go hunting around this weekend see what you
Speaker 2: can find.
Speaker 5: Absolutely, I love this beck. Yes, what do you got
Speaker 5: when it comes to broke tips? Okay, so I'm very
Speaker 5: excited about these ones, one in particular. But anyway, this
Speaker 5: first friend comes from Jess, who is also my girlfriend,
Speaker 5: and she's usually well, she's very clever. So basically I
Speaker 5: wouldn't say shop at expensive places like this place. This
Speaker 5: place is called sues me. I think I'm saying it right.
Speaker 5: S U S M I E S. It's quite an
Speaker 5: expensive shop, not more so than anywhere else. It's a
Speaker 5: clothing shop and they have beautiful clothes, but want to
Speaker 5: iss you're expensive. Oh yeah, I feel like that's the
Speaker 5: bare minimum. And also I want to say, my girlfriend
Speaker 5: is such a fashionista, so she's very fashionable. So if
Speaker 5: you shop here, there are a lot of their clothes
Speaker 5: are actually like four different outfits in one So she
Speaker 5: bought like a skirt that is also a top that
Speaker 5: is also reversible that is also a small skirt, and
Speaker 5: a long skirt, and so you can just do whatever
Speaker 5: you want with these things.
Speaker 2: So I'm like, if you have the.
Speaker 5: Means, I know, it's so good. And I'm like, that
Speaker 5: is so genius because you usually you'll buy, like I
Speaker 5: do know, one shirt and it's just one shirt, which
Speaker 5: is fine, but that could be like fifty bucks. But
Speaker 5: if you go to Susani's, and I'm we're not sponsor
Speaker 5: by Susan's obviously, but I just think that it's like
Speaker 5: a place like that, it's like, yeah, just maybe try
Speaker 5: and have a look and see if there are any
Speaker 5: clothes that you can buy that are like reversible and
Speaker 5: also could be yeah, it could be like short, could
Speaker 5: be a long skirt could be for any season. I
Speaker 5: think that's really really I just think it was really clear.
Speaker 5: I feel like that's economical as well, totally. So I
Speaker 5: think she got like three things and that's actually like
Speaker 5: sixteen different outfits. Sound how whoa Yeah, I'm going to
Speaker 5: ask her about show me a skirt and she's like, what,
Speaker 5: I think she's wearing it today? Actually, oh well I'm running. Yeah,
Speaker 5: if you could maybe leave right And then this next
Speaker 5: one comes from me. It's half a money win, half
Speaker 5: a broke tip. So shot Back, I don't know if
Speaker 5: you guys know, but how they have like happy hour
Speaker 5: and I know.
Speaker 2: Oh you know, like yeah, because I'm in love with
Speaker 2: shop time. I'm sponsored.
Speaker 4: No, I just check their app sometimes to see what's
Speaker 4: going on, any good deals.
Speaker 2: I just need to know.
Speaker 5: I just need to be in the I'm obsessed with
Speaker 5: shot Back these days, especially since movie, and I'm like,
Speaker 5: if I want to buy a TV, I'm going to
Speaker 5: do that. I'm shot Back and I haven't yet. But anyway,
Speaker 5: so I was on shot Back, just scrolling the middle
Speaker 5: of the night as I do. I realized I had
Speaker 5: a happy hour, and then my the place where I
Speaker 5: get my glasses and there are many different glasses places
Speaker 5: on here. I think they have like eighteen percent cash
Speaker 5: back or something. But also it's sacking my health insurance
Speaker 5: pay up to two hundred dollars in optical. So I
Speaker 5: bought turn ittle glasses, got forty bucks from shot Back,
Speaker 5: claimed it back on you can on something you claimed back,
Speaker 5: it's got forty bucks for no reason. No, there was
Speaker 5: a reason. Well, it was a good money win, yes,
Speaker 5: isn't it.
Speaker 4: I love that that is actually gaming the system in
Speaker 4: a really very legal way, very legal, very long.
Speaker 2: That is what we like.
Speaker 5: No, so I want to recommend Shotback always have like upsize,
Speaker 5: you know, things like you but yeah.
Speaker 2: Check up.
Speaker 5: I think it's like before midnight and maybe after nine
Speaker 5: pm or something. I wouldn't have a clue about the times.
Speaker 5: I've just seen it, like the advertising, you know how
Speaker 5: that yep pops up when you open the app. Yeah,
Speaker 5: just so it's very cool and it could be for
Speaker 5: anything that you can claim on that's.
Speaker 4: Not a sponsored mentioned, but I mean shot Back, if
Speaker 4: you want to sponsor us again, please we're lining up.
Speaker 4: In fact, we're doing it for free already. But anyway,
Speaker 4: it turns out that was a good set of broke tips.
Speaker 4: Thank you, thank you, so I love it, and good.
Speaker 2: Round up from the community.
Speaker 5: Let's go to a really quick break on the flip side.
Speaker 2: We're going to be helping to answer money dilemma this week.
Speaker 4: We're talking about saving money on travel, which I think
Speaker 4: is really fun and something you is leading to our
Speaker 4: dms about what to do when a friend owes you money,
Speaker 4: so don't go anyway, guys.
Speaker 2: Welcome back everybody. Let's take a listen to this week's
Speaker 2: money dilemma.
Speaker 6: Hi.
Speaker 4: There, have you got a money dilemma you just can't solve?
Speaker 4: The She's on the Money team is here to help.
Speaker 4: Every week we tackle your dilemmas, both big and small,
Speaker 4: to answer your most burning money.
Speaker 2: Career and life questions.
Speaker 4: To get involved, simply head to our website and leave
Speaker 4: us a short voice recording and you might just find
Speaker 4: yourself on the show. Now, let's take a listen to
Speaker 4: this week's money dilemma.
Speaker 6: Hi, team, I've been booking a trip to Europe and
Speaker 6: I've noticed a very clear pink tax when I've been
Speaker 6: booking my accommodation in all female dorms as I'm traveling solo.
Speaker 6: This is something I'm not willing to compromise on which
Speaker 6: will cost me more than four hundred dollars in accommodation
Speaker 6: over the five weeks away. Do you have any travel
Speaker 6: tips or tricks for saving money elsewhere that won't compromise
Speaker 6: my holiday? Thanks so much?
Speaker 2: That's crazy?
Speaker 5: Is that a real thing? Have you guys noticed that?
Speaker 2: I have seen it.
Speaker 4: Jess has stayed in her backpackers once and it was
Speaker 4: because I booked it, so she wasn't privy to like
Speaker 4: the pink tax on that. But it's actually very normal
Speaker 4: that female only dorms are priced higher than male only
Speaker 4: or like mixed storms, and it's usually because there's less
Speaker 4: demand for them, so it's not necessarily a pink tax situation,
Speaker 4: but it's a supply and demand situation. So like Jess
Speaker 4: goes traveling, right, she's a single, solo female traveler, I
Speaker 4: can almost guarantee that is much more rare than a
Speaker 4: solo male traveler or people who are willing to share.
Speaker 4: So like obviously men are probably more likely to share
Speaker 4: and not have an issue. And then there are going
Speaker 4: to be females who are happy to sleep in the
Speaker 4: mixed storm. So the outlier here is going to be
Speaker 4: the female who wants basically her own room or only
Speaker 4: females in her room, and you're paying a premium for
Speaker 4: that because let's say you go into a six person dorm,
Speaker 4: the likelihood of you sharing with six other people is
Speaker 4: actually or five other people, sorry, is actually relatively low
Speaker 4: in comparison to people who want to just go into
Speaker 4: the normal.
Speaker 2: Mixed doorm, which is also cheaper.
Speaker 4: So it's actually a supply and demand issue here, not
Speaker 4: necessarily a pink tax. They're not like blue raisor pink Crazer,
Speaker 4: and the pink raser is just more expensive for no reason.
Speaker 4: It's supply and demand because they would have to fill
Speaker 4: the beds, and their way of mitigating the fact that
Speaker 4: they're sectioning off an entire room in their backpackers and
Speaker 4: saying only girls in there is to charge Jess a
Speaker 4: higher amount to travel. So I get that it feels
Speaker 4: like pink tax, though because obviously it only applies to
Speaker 4: you for being female. Yeah, but it seems to be
Speaker 4: a global trend. But yeah, it's usually women only are
Speaker 4: less likely to travel and also more likely to be
Speaker 4: the smaller rooms, So you're going to pay a little
Speaker 4: bit more, which you get what you get. Yeah, but
Speaker 4: what are your best travel tips? Yes, I remember you
Speaker 4: saying that you came home once from traveling with like
Speaker 4: less than a dollar in your bank account, so you.
Speaker 2: Had to at the airport.
Speaker 5: But how how did you say money traveling?
Speaker 2: Oh, I always have exactly true. I've never traveled solid.
Speaker 2: I've always traveled in groups, which keeps costs down because
Speaker 2: you're spliting accommodation. You can split meal costs like that
Speaker 2: breaks things down a lot. When we would travel, like
Speaker 2: when I was in Greece, for example, and we traveled
Speaker 2: on ferries between islands, we'd always take like the less
Speaker 2: ideal times because it's sometimes cheaper to travel at like
Speaker 2: six in the morning than it would be at ten
Speaker 2: am or something like that. So doing things like that
Speaker 2: not to give a shot back another free plug, but
Speaker 2: pre booking accommodation where possible shot back through me, Yeah,
Speaker 2: through like any kind of cash back platform. And then
Speaker 2: just say it's prioritizing what's important to you. Like I
Speaker 2: remember traveling with one of my really good friends and
Speaker 2: we like, like she was someone who really wanted to
Speaker 2: travel as cheaply as she could, and so she just
Speaker 2: would elect to not do some things because like if
Speaker 2: I would go to a museum and maybe she was like, ah,
Speaker 2: could give it a miss, she just wouldn't go. So
Speaker 2: also not giving into like the fomo, especially in a
Speaker 2: group setting, and being like, oh, if everyone's going to
Speaker 2: this play or if everyone's doing this thing, I want
Speaker 2: to go to just profab to get Oh I have
Speaker 2: a queen of pomo, so like I would be spending
Speaker 2: just to go, but like my friend was really good
Speaker 2: about just going. Okay, like I'm going to spend money
Speaker 2: on food and somewhere to sleep, and that's basically and
Speaker 2: not buying souvenirs, not buying you know, getting sucked into
Speaker 2: the little things that add up when you travel, and
Speaker 2: so just looking at I guess what's important to you
Speaker 2: and maybe mapping that out ahead of time so you
Speaker 2: are less likely. It's like when you go to the
Speaker 2: shops when you're hungry and all of a sudden half trolley.
Speaker 2: The same sort of thing, right, like planning, pre allocating.
Speaker 5: Sudden my diet that I'm trying to stick to out
Speaker 5: the window.
Speaker 2: Yeah exactly, So like pre doing as much as you
Speaker 2: can to avoid that kind of stuff too, is probably
Speaker 2: my top.
Speaker 5: Tips that is so true, and then you don't have
Speaker 5: any like unexpected you know, or you will have some
Speaker 5: but not as many unexpected costs that oh I thought
Speaker 5: i'd spend two thousand, actually spent ten thousand or something. Yeah,
Speaker 5: I guess I don't really like travel heaps. But my
Speaker 5: two that I have already mentioned on the show. One
Speaker 5: was like where every single item of clothing and so
Speaker 5: the level bag is larger and you don't have to,
Speaker 5: you know, be stung with an unexpected charge if your
Speaker 5: bag weighs more than you thought it would. And then
Speaker 5: the other is I only book on I know the pilot.
Speaker 5: It's like an app where it's like will also just
Speaker 5: like kind of be scanning. If you just put in
Speaker 5: there where you want to go, roughly, it will be scanning.
Speaker 5: I'm the kind of person that doesn't actually care, but
Speaker 5: I have the luxury of like, you know, just being solo.
Speaker 5: But if if there's a flight that is extremely cheap
Speaker 5: but it's like twenty stops and a million hours stopover,
Speaker 5: I don't actually care. I'm going to do it because
Speaker 5: it's so cheap, and I'm like, this is kind of fun.
Speaker 5: You get to stop in little places and obviously can't
Speaker 5: really and it's uncomfortable and also.
Speaker 2: You're really selling it by torture.
Speaker 5: But it's something that if you in this case only
Speaker 5: it's about the destination and not the journey, and if
Speaker 5: your journey is like one or two days, don't worry, yeah,
Speaker 5: because you're going to get there eventually.
Speaker 2: I like that. I like that.
Speaker 5: Anything else to add back, I think maybe yeah, I
Speaker 5: just I somehow travel cheap, and I think it's just
Speaker 5: because I don't I don't actually eat.
Speaker 2: I feel like that's when you'd be good for like
Speaker 2: eating it like hole in the wall places. We had
Speaker 2: half our meals like five dollars, which but it was
Speaker 2: like little local places rather than going to like a
Speaker 2: big you know check you even a McDonald's or something
Speaker 2: like that. Totally or it would be so cheap. There's
Speaker 2: often totally that you can get cheap really great food, yes, yes,
Speaker 2: and family marts.
Speaker 4: I feel like I still travel cheap. Like, don't get
Speaker 4: me wrong, I've stayed at some beautiful places, but my
Speaker 4: frugal travel habits will follow me everywhere. Poor Jessica. A
Speaker 4: couple of years ago we went to Europe together and
Speaker 4: she experienced this. So the female dorm. This is where
Speaker 4: it's come up, right, we're talking about female dorms. We
Speaker 4: were traveling in a group, and if you're traveling in
Speaker 4: a group, I think you automatically go, Okay, well maybe
Speaker 4: we'll get near BMB or something.
Speaker 2: But you can book out a.
Speaker 4: Whole dorm room if you want, And we did that
Speaker 4: at a backpackers and it was like a six person
Speaker 4: dorm room. So we did have a spare bed in
Speaker 4: there because we didn't need it, but we got our
Speaker 4: own on suite, really clean, really easy. We stayed it
Speaker 4: and it worked. So that's a good one. Grocery shopping
Speaker 4: when you get there, having a little trip to the
Speaker 4: grocery store. I don't know if everyone's like this, but
Speaker 4: I think as a cultural experience, actually want to go
Speaker 4: to the supermarket in every location that I go to,
Speaker 4: and I need it to be an activity. We're not
Speaker 4: just zipping in for a snack. We are going to
Speaker 4: look at all the aisles. We're going to look at
Speaker 4: the grocery. I actually look at the reviews of the
Speaker 4: grocery store and I'm like, let's go to this monopre
Speaker 4: just got five stars, and we're buying snacks that we
Speaker 4: can pack in our bag for when we're out, and
Speaker 4: about breakfasts if they're not included where you're staying, and
Speaker 4: a few things that you can just have up your sleeve.
Speaker 2: Like I don't know if you guys.
Speaker 4: You have that hour between when you come back from
Speaker 4: your activities in the afternoon and going out for dinner.
Speaker 2: The doom scroll, the doom scroll session. Jess and I
Speaker 2: love it. No talkie during that.
Speaker 4: Time, client time, light time only we're laying on our beds.
Speaker 4: We're actually strapped to our beds because we need to
Speaker 4: charge our phones. But we want to be on our phones,
Speaker 4: review the photos from the day, look at Instagram because
Speaker 4: we've had no Wi Fi all day.
Speaker 2: Also, don't talk to me.
Speaker 4: But you might want to buy some little snacks to
Speaker 4: tide you over, so like some Chippy's. Maybe you're buying
Speaker 4: and I'm not saying that this is super cheap, but
Speaker 4: maybe you're buying a little wine to have during that
Speaker 4: period of time. But when you go out for dinner,
Speaker 4: you could just get on entray. So we're still going
Speaker 4: out for dinner, but you could have maybe some two
Speaker 4: minute noodles or something. Still have the experience much cheaper
Speaker 4: the grocery thing works for me on the like the
Speaker 4: food thing. I have so many tips. Maybe if you
Speaker 4: do your whole travel Hacks episode, if you're staying at
Speaker 4: a resort that has buffet breakfast, or even if you're
Speaker 4: staying at a backpack that has breakfast, us Jess mayor
Speaker 4: do this.
Speaker 2: I'm the only smart one that.
Speaker 4: Brought tupperware, though, so take it tuperwear to breakfast. They
Speaker 4: have a selection of breads, jams, cheeses, deli meats, make
Speaker 4: a sandwich, take it for later. The little pastries were
Speaker 4: taking those for morning tea. How many times did we
Speaker 4: smuggle croissants out of our accommodation?
Speaker 2: Probably one too many?
Speaker 5: No, no such thing, not enough times.
Speaker 2: The other one I wouldn't say.
Speaker 4: When I was traveling Europe for the very first time,
Speaker 4: night trains, yes you might go r V but they
Speaker 4: take longer.
Speaker 2: Yes, but I'm asleep on the train.
Speaker 4: I'm not paying accommodation for that night, and I boom
Speaker 4: bang my accommodation and my transport in one cost. Now,
Speaker 4: double whammy, double whammy. I'm sleeping for the night. Is
Speaker 4: it comeftable? Not that much, but let's not talk about it.
Speaker 4: May work you're also this is going to be my
Speaker 4: last one, but never eating at tourist destinations, so like
Speaker 4: the main squares, so we're not eating there, you know,
Speaker 4: we're going a little bit further out because everything will
Speaker 4: be overpriced. So if you're going to Paris and you
Speaker 4: see the Eiffel Tower, you are not eating anywhere near
Speaker 4: the Eiffel Tower because there will be the Eiffel Tower
Speaker 4: attacks and that happens everywhere. Yeah, I think that's it,
Speaker 4: But I think you just need to be smart about
Speaker 4: what you're doing and where you're going, and also, while
Speaker 4: I'm here, sorry, factoring in your travel payments. So if
Speaker 4: you are going, oh we're gonna you know, be budget
Speaker 4: and stay not in the CBD. But like, let's pretend
Speaker 4: it's Melbourne, you're traveling too. Well in the CBD, there's
Speaker 4: actually free trams all around the city. So how much
Speaker 4: are you then going to be spending on public transport
Speaker 4: or ubers or whatever to get back to your hotel
Speaker 4: each night? If you're staying further out, what like, have
Speaker 4: a bit of a look you can actually in uber
Speaker 4: put your like average destinations in and get a little
Speaker 4: quote of what that might cost and see because like,
Speaker 4: if you're telling me that you're then going to spend
Speaker 4: fifty or sixty dollars a day on ubers or something,
Speaker 4: and I'm not saying that's reasonable, but whatever, would you
Speaker 4: not prefer to put that into your accommodation have a
Speaker 4: more elevated accommodation experience and walk everywhere or catch the
Speaker 4: free public transport what's available. Yeah, so just like weighing
Speaker 4: it up in little things, yeap, cash back, you know,
Speaker 4: booking deals, you know, talking to a travel agent can
Speaker 4: help as well because they might be able to like
Speaker 4: put everything together. But yeah, there's just lots. I just
Speaker 4: I love travel, but I also am a frugal traveler.
Speaker 2: Yeah, I sent the travel episode coming in our future.
Speaker 2: Oh so hard. We'll work on that for you.
Speaker 5: Yes, that's all for me though, when it comes to
Speaker 5: travel tips and tricks, great tips. Now do you want
Speaker 5: to get into the juicy deeds? Yeah?
Speaker 4: So this week we got a DM Are you ready? Yes,
Speaker 4: good afternoon. My community question is more about friendships and
Speaker 4: asking for money, as I find it really awkward. I
Speaker 4: work in the beauty industry and obviously do bits and
Speaker 4: pieces for my friends a fair bit. They always pay
Speaker 4: as a lot of them say friends are your biggest
Speaker 4: and best clientele, But I do have one or two
Speaker 4: that can take a long time to pay or just
Speaker 4: forget and don't pay at all. But I find it
Speaker 4: really awkward to ask for money and like I'm being rude,
Speaker 4: which is ridiculous because obviously I'm not being And I
Speaker 4: think what makes it harder is they always complain how
Speaker 4: broke they are and have no money to pay for
Speaker 4: this sort of stuff, yet can afford to online shop
Speaker 4: for clothes. I know, I just need to bite the bullet,
Speaker 4: but it's making me so nervous.
Speaker 5: What would you do?
Speaker 2: It's so hard because me my money. Yeah, it's hard
Speaker 2: because the one thing I'd say is ah, they but
Speaker 2: they do pay, So maybe not because I've said before,
Speaker 2: how like I have friends who like, if one girl
Speaker 2: does eyebrows, one girl does nails, like you like we
Speaker 2: do a swapsias, or if one girl has a staff
Speaker 2: discount here one girl, you know, I mean, like, but
Speaker 2: it works for everyone. It's very different if you're the
Speaker 2: only friend that has a skill set and it's your business. Yeah, correct, Yeah,
Speaker 2: so that's a little bit different. I mean, maybe they
Speaker 2: just have not clocked that and they're not really comprehending it.
Speaker 2: The way that I would go about it, to simply
Speaker 2: avoid confrontation is I would be.
Speaker 4: Like, oh, number, no, we're not blocking. No, I would
Speaker 4: want confrontation. Can't see her.
Speaker 2: In quotation marks set up an online invoicing system and
Speaker 2: so you just go, I mean you might already have
Speaker 2: one for your business, I'm assuming, but if you don't
Speaker 2: having one setup that just sends you know, when you
Speaker 2: book a stand beauty appointment, you get a confirmation, so
Speaker 2: just run them like a normal customer basically, rather than
Speaker 2: being like, oh, yeah, just drop over Saturday afternoon, I'm
Speaker 2: not working that day so I can fit you in
Speaker 2: whenever actually book them in. If you have a system
Speaker 2: and have the system sends the email, and then oh
Speaker 2: would you look at that? The system sends an automatic remander.
Speaker 2: It's not coming from you. The system just does it.
Speaker 2: And if you don't know, as to Victoria's fake assistant before,
Speaker 2: she had yeah, and if you don't have a system
Speaker 2: that can do that automatically, you know, if you just
Speaker 2: write an email that looks like an automatic system, they're
Speaker 2: not going to know the difference, Like, Hi, yess, thanks
Speaker 2: so much for booking your appointment, and you've got to put.
Speaker 5: You've got to put a space between the word jess
Speaker 5: and then the comma.
Speaker 2: Yeah, so they So if you don't have a system,
Speaker 2: you can just pretend that you have one, And in
Speaker 2: my opinion, that kind of just takes.
Speaker 4: You out of it, the awkwardness out of it. I'm
Speaker 4: not going to lie, I would laugh. So Like, obviously
Speaker 4: I'd be mortified if I owed you money and you
Speaker 4: send a reminder like that, But also like I would
Speaker 4: be like, did you make this up?
Speaker 2: But I think you can do it and you can't
Speaker 2: tell I mean, there are other ways to go about it,
Speaker 2: which I'm sure you guys.
Speaker 5: Get into laughing so much. Have you ever done this?
Speaker 2: I mean, I don't offer services, so no, I just
Speaker 2: switch arough who does each other's nails occasion? Yeah, literally,
Speaker 2: it's a little bit less formal, but like I can
Speaker 2: totally see if you're doing it for them all the time.
Speaker 2: Your time is valuable as a professional, and it's not
Speaker 2: fair of your friends to take advantage of them. And
Speaker 2: if you're not comfortable having that conversation, which you should
Speaker 2: because they're friends and they, as your other friends said,
Speaker 2: they should champion you and want you to succeed, but
Speaker 2: if you feel a bit weird, that's what I would do. Wow,
Speaker 2: Oh that's quite clever, little scheamy what you do.
Speaker 5: I guess, like I think if you, like, if it
Speaker 5: isn't possible to like maybe from now be like, oh
Speaker 5: I might never see that money. I don't care, but
Speaker 5: from now on, I'm actually way too busy to fit
Speaker 5: anyone else in, Like, no one that's gonna be.
Speaker 2: You know when I have capacity.
Speaker 5: Yeah, yeah, something like that. Because then like, if you
Speaker 5: don't want to have confrontations, I want to, like I
Speaker 5: would go silently cutting your friends off from that kind
Speaker 5: of thing, Like I would still, like, you know, go
Speaker 5: out with them and all that kind of stuff. But
Speaker 5: just like if you don't want to bring it up,
Speaker 5: then hopefully they just get the hint. But I also
Speaker 5: do think like it doesn't have to be it doesn't
Speaker 5: have to be awkward. I was actually talking about this
Speaker 5: last night with some of my friends. We're talking about
Speaker 5: like the best way to tell someone that you've got
Speaker 5: an issue to bring up or something like this. It's
Speaker 5: awkward and the best way to do it, but it
Speaker 5: doesn't work for everyone, but for us we agreed that
Speaker 5: just being like you're giving me the shits, like just
Speaker 5: be so casual and what kind of funny and silly
Speaker 5: about it is the best way to just break that.
Speaker 5: My team talk to me, yeah, and then just as
Speaker 5: like you're being really annoying and I'm like, yeah, noted,
Speaker 5: I'm not stopping though, but hopefully like the it really
Speaker 5: it really does depend on the person receiving the information,
Speaker 5: because if you know that someone's quite like defensive and
Speaker 5: totally then it's like this is literally impossible. There's nothing,
Speaker 5: there's no way that you can communicate then a service
Speaker 5: if they're like that, yeah, oh yeah. But if they're not,
Speaker 5: then there really is a way. Maybe they're the type
Speaker 5: of person that respond really well to humor, maybe they're
Speaker 5: the type of person that responds really well to like
Speaker 5: they're quite empathetic, then maybe be a little bit like
Speaker 5: soft with them and gentle. It just depends on the
Speaker 5: receiver in this situation, I think, and how you can
Speaker 5: best I mean, it's hard because if there's a few
Speaker 5: of them that you know, you might need to tailor
Speaker 5: your your situation and the way you approach it so
Speaker 5: many different times. But if they're defensive. You can't really
Speaker 5: do anything, and don't beat yourself up about it. Just
Speaker 5: you don't have capacity any more, basically, is what I'm saying.
Speaker 5: You're too busy.
Speaker 2: Yeah, until you've paid all the outstanding voices.
Speaker 4: Yeah yeah, yeah, So we've got that silent cut off,
Speaker 4: we've got the fake in voicing system. You had a
Speaker 4: level of like, oh, use your empathy, which I like,
Speaker 4: I'm probably just going to call them out for. I'm
Speaker 4: just going to be like, hey, this is really awkward.
Speaker 4: But I've had to chase this a couple of times.
Speaker 4: What's going on? Like I don't think I would mention
Speaker 4: their spending habits because like, from my perspective, that's none
Speaker 4: of my business. Now they're spending their money. I feel
Speaker 4: like calling other people out on their money habits. You
Speaker 4: don't know them, Like, don't get me wrong, you could
Speaker 4: have been best friends with this person for thirty years,
Speaker 4: but you don't know them. That could be an issue,
Speaker 4: That could be something that stresses them out. Maybe they
Speaker 4: have a shopping addiction that you haven't discussed, or maybe
Speaker 4: that was their way of dealing with some level of
Speaker 4: grief or troup. Like none of your business, Yes, to
Speaker 4: be honest. If let's pretend Jess saw me spending money
Speaker 4: when I owed her money, Like, I know, on a.
Speaker 5: Deep level, that's a bad look. Like do people not
Speaker 5: know that that's not.
Speaker 2: These people don't though, like they're still doing it.
Speaker 4: Yeah, But I just I think it then goes down
Speaker 4: to a lack of respect, because if I haven't paid
Speaker 4: you back and I'm going and spending money in a
Speaker 4: different area, I'm basically sending the message, whether that is
Speaker 4: by choice or not, that my priorities are worth more
Speaker 4: than me paying you back, Yess, And like that's not cool.
Speaker 4: They're not the type of people that I want to
Speaker 4: keep the company of. And I'm not saying that there's
Speaker 4: a good or a bad or even an in between,
Speaker 4: but I would probably just politely say hey, like is
Speaker 4: this And I always like to preface it with like
Speaker 4: it's so awkward, sorry, yeah, but can you xyz it?
Speaker 4: And it just like kind of softens the blow. It's
Speaker 4: a bit like you know how you're saying, you know,
Speaker 4: read the room. How do you make confrontation a little
Speaker 4: bit less awkward with a friends? Like calling it out great,
Speaker 4: But like in that situation, I'd be.
Speaker 2: Like, oh, this is so awkward.
Speaker 4: But you're really annoying me right now, like I feel
Speaker 4: like calling it out.
Speaker 2: Oh my god, honest communication imagine.
Speaker 5: Oh I hate how we always crazy that it's wild.
Speaker 5: What did everyone else say? If you were our community member,
Speaker 5: what would you do? Three percent of you said I'm
Speaker 5: calling them out for their other spending three three forty
Speaker 5: five percent said I'm going to politely remind them, forty
Speaker 5: three percent said I'm going to require pre payment in
Speaker 5: the future. Oh good one, that's clever, and nine percent
Speaker 5: this is so funny because like all of these options,
Speaker 5: which you guys clearly hadn't seen because I ran this
Speaker 5: cut them off.
Speaker 2: Okay.
Speaker 4: We then said, how do you usually deal with friends
Speaker 4: who owe you money? Forty four percent said I always
Speaker 4: chase up what I'm ode, forty two percent said I
Speaker 4: ask a few times and then I just let it go.
Speaker 4: And fourteen percent of you said I wait for them
Speaker 4: to bring it up.
Speaker 2: If it's awkward, they could be forgetful, like I have
Speaker 2: definitely been that person.
Speaker 5: HD.
Speaker 2: I forget someone's message in the group chat Hey guys,
Speaker 2: XYZ for dinner, and I've seen it at work and
Speaker 2: going yep, need to do that later. And then forgotten,
Speaker 2: and then a week later, I've like sat up in
Speaker 2: bed and been like, oh.
Speaker 5: Yes, like maybe you know, maybe gentle Yes, yeah, definitely,
Speaker 5: And I think gentle reminders can be kind. Like at
Speaker 5: the end of the day, it's something they said that
Speaker 5: they were going to do, Like, it's not you asking
Speaker 5: for money for a service they thought they were getting
Speaker 5: for free, which is a completely different ballgame. We then
Speaker 5: said to the community, all right, guys, what are your
Speaker 5: two cents? First person said, if I have to remind
Speaker 5: them twice, I'm sick the next time they book him,
Speaker 5: and then all of a sudden they pay. Someone else said,
Speaker 5: offer to teach them how to do it themselves. That
Speaker 5: way you feel helpful, but now you're not losing money.
Speaker 2: I kind of like that, Oh sorry.
Speaker 4: In my head when I read that, I was like, what,
Speaker 4: teach them how to do a bank transfer?
Speaker 5: And then it was like, oh, teach them the service. Okay,
Speaker 5: please ignore me and the way my brain. Next person said,
Speaker 5: short change now impacts the compounding interest for you tomorrow.
Speaker 2: You need to speak up.
Speaker 5: Wow is that victoria?
Speaker 4: I feel like I might be in their brain a
Speaker 4: little bit. Someone else said that stop making excuses for
Speaker 4: people you know are lying to you.
Speaker 2: Oh it is.
Speaker 4: Someone else said, rude, but there's like four us, four d's,
Speaker 4: four e's.
Speaker 2: And five exclamation points. I mean that rude.
Speaker 5: And then they said they should value your hard work
Speaker 5: the most, and they saw what it took to get
Speaker 5: you there, they need to pay you.
Speaker 2: That's so true.
Speaker 4: Someone else said, we use the Beamet app to settle
Speaker 4: all expenses. It is much easier than asking. But you
Speaker 4: could have like split wise because even if like the
Speaker 4: cool thing about split wise is obviously if Jess and
Speaker 4: I shared a pizza with Beg, we could split it
Speaker 4: three ways, or Jess is not paying and it's just
Speaker 4: beck and eye. But you can also split it one way.
Speaker 4: You can say one hundred percent of the costs goes
Speaker 4: to Jessica for that, Yeah, and it just comes up
Speaker 4: there's a reminder on their phone.
Speaker 2: Yeah, and it tracks it.
Speaker 5: But with beam it you can actually when you swipe
Speaker 5: to pay, it actually pays it. With split wise, it's
Speaker 5: swiped to pay, it doesn't really come out of your account.
Speaker 5: You have to go and then follow.
Speaker 2: I love that, Like your account is like linked linked
Speaker 2: to beam it. So when you do that, and it
Speaker 2: says I can get behind that.
Speaker 5: You've paid the other person have to accept it all No, nope,
Speaker 5: you just like they add something into beam it and
Speaker 5: then you go ahead and say, and you've to your bank,
Speaker 5: you've linked it, and then it says swipe to pay.
Speaker 5: You literally just swipe and then it processes and then
Speaker 5: gives you the tick. You don't have to do any
Speaker 5: of that. Go now, go to your bank and anyway.
Speaker 2: I'm obsessed. It's great. I'm obsessed, me too, How good?
Speaker 5: All right?
Speaker 4: Next person said, I'm self employed and serving friends gives
Speaker 4: me the ick because they always expect a huge discount
Speaker 4: for no reason. Someone else said friends should support each
Speaker 4: other's businesses, not take advantage. Real friends would pay from
Speaker 4: the get go.
Speaker 2: Amen, and I'm going to leave it there, gorgeous. I'm
Speaker 2: going to leave it there.
Speaker 5: I feel like I've yapped a lot this episode. Good wait,
Speaker 5: good place to leave it?
Speaker 2: How good?
Speaker 4: All right?
Speaker 5: Well, have a good weekend, guys. We will live love,
Speaker 5: laugh on the flip side, and see you Monday morning.
Speaker 5: Right nearly for money, Darry, Bye, guys. Bye.
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