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Speaker 1: She's on the Money.

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

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Speaker 2: the Money's Friday Drinks, the podcast for millennials who want

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Speaker 2: financial freedom and also love a good savvy b On

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Speaker 2: our Money Diary on Monday, we spoke to a future

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Speaker 2: doctor who's managing an extremely laborious degree while staying afloat financially,

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Speaker 2: and we spoke to her about how she says no

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Speaker 2: to fomo when her friends lure her from their very

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Speaker 2: well paying full time jobs.

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Speaker 1: Then on Wednesday, we had a deep dive episode where

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Speaker 1: we dove headfirst into all things property, which was one

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Speaker 1: of our investment methods we chatted about at the beginning

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Speaker 1: of this what we're gonna call mini series of assets.

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Speaker 1: In this episode, we're also going to be chatting to

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Speaker 1: the team as usual about their money wins, their confessions,

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Speaker 1: and we're obviously going to be hearing Ryan Job's top

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Speaker 1: six money wins from the community, which we arguably all

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Speaker 1: cannot wage for.

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Speaker 3: So George, my name.

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Speaker 4: Changed Ryan John Jobs over here, Uncle Steve to help

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Speaker 4: me out.

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Speaker 5: I quit this great intro, I keep going, Thank you.

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Speaker 3: I really appreciate a pronunciation of my name. Getting the

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Speaker 3: way of your good intro.

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Speaker 1: It's never gotten in the way of anything that's impacted

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Speaker 1: me before, so that's fine. To make this really obvious

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Speaker 1: for those of you playing along at home, this isn't

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Speaker 1: one of our better research and far more articulate episodes.

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Speaker 1: We actually do need to remind you that it is

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Speaker 1: a Friday, so you are joining us for our Friday

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Speaker 1: team drinks. But before we get to all the actually

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Speaker 1: good stuff, to make this a little bit saucy out,

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Speaker 1: we are going to introduce the drink of the week.

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Speaker 5: Jess, what have you got for us this week?

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Speaker 4: We have not one, not two, but a selection of

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Speaker 4: six delightful drinks. Because I think we've made it, someone

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Speaker 4: sent a surprise PR to our office. PR so excited

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Speaker 4: and it was PR Beverages, just like really a Bevragino.

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Speaker 1: For those of you who follow me on my personal instagram, Bevragino.

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Speaker 6: Somebody say be I don't know, gee King does not

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Speaker 6: spend enough time on on any kind of socials.

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Speaker 5: But for those of you who are playing along a home,

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Speaker 5: she should have said.

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Speaker 1: Did somebody say Bevragino?

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Speaker 3: Can I just put it out there that you tried

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Speaker 3: to make it sound like you started.

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Speaker 1: That I did not start that. I definitely didn't.

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Speaker 3: I just put it clarifying.

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Speaker 1: I didn't realize I had to. There are thousands of

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Speaker 1: videos up of people doing that. I don't know who

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Speaker 1: else has put a drink on a fishing line.

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Speaker 3: But so what does the note say?

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Speaker 4: Back on topic, we got this beautiful handwritten note from

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Speaker 4: the team at Selena Estate. They've just launched any range

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Speaker 4: of wines and they actually sent us a set and

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Speaker 4: linked each of us to one of their bottles of wine.

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Speaker 4: It was this is like one of those feed quizzes,

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Speaker 4: like which wine are you?

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Speaker 6: So?

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Speaker 1: Yeah, but I also really like this because you know,

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Speaker 1: sometimes you get pr and they kind of just send

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Speaker 1: you a box with a printed piece of paper that's like, hey, team,

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Speaker 1: here's our product.

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Speaker 5: Yeah, like the Creche the other day, and I was like, cool,

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Speaker 5: this is written.

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Speaker 4: From Selena herself. Has So to kick it off, we

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Speaker 4: have the Rose, which is Victoria clearly one of the

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Speaker 4: biggest boss queens around, and it is called slay all

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Speaker 4: Day then Rose.

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Speaker 1: Do you know, guys, Jess would not let me open

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Speaker 1: the box or read the wines until today, so she's

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Speaker 1: kept surprise for everyone at this time. Yeah, and she

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Speaker 1: had to carry this into the studio today.

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Speaker 4: I'm sorry, Jess, just walking down the street with my

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Speaker 4: bag clinking very suspiciously.

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Speaker 1: Kiss slay all day, then Rose.

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Speaker 3: Yeah.

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Speaker 4: Next up is the Savvy b for g King, she said,

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Speaker 4: in case it wasn't obvious, and it gets sassy with savvy.

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Speaker 1: It's awesome, savvy Bee.

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Speaker 4: I love that I got the sparkling because this is

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Speaker 4: apparently what I do to all the listeners, which, oh,

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Speaker 4: you're so cute. It does add some sparkling to your sparkle.

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Speaker 3: Also very cute, and they're inaccurate.

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Speaker 1: That is so mean, I mean because you guys didn't laugh.

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Speaker 1: Because I feel like it's like having a little sister,

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Speaker 1: like Jess is the little sister that you protect with

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Speaker 1: all costs, Like we can bully each other, but you

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Speaker 1: just can't be mean to Jess.

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Speaker 3: If someone said anything to Jess, I would fight them,

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Speaker 3: You would fight.

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Speaker 1: Them, But if they said it about me, it'd be

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Speaker 1: like look fair call yeah exactly, like you'd put me

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Speaker 1: in front of you to shield you.

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Speaker 4: And guys, I'm feeling the love. Lucky. Last is the

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Speaker 4: twenty for Ryan, she said, in case anyone picks on

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Speaker 4: you again, and it is tantrum tamer Tawny.

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Speaker 1: Relevant because you're a tantrum king.

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Speaker 4: And then just as a side note, we are currently

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Speaker 4: sipping on the stop moping. It's Merlow and we have

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Speaker 4: the stress blessed and she has obsessed as wells branding

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Speaker 4: on point. I'm such a millennial sucker for stuff like that.

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Speaker 1: And they're beautiful as well, like each bottle very instagrammable.

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Speaker 3: I'm definitely going to take a photo of the sleigh

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Speaker 3: all day. Then, Rose, I love it.

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Speaker 1: Also, guys playing along at home. This is not sponsored,

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Speaker 1: It is just good and we just loved this little Selena.

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Speaker 4: Your note was beautiful, honestly, like it literally made my day.

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Speaker 7: And the wine is also delicious.

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Speaker 1: It is actually really nice. So we're drinking what was

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Speaker 1: it the Merlow? I really like it. Georgia, have you

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Speaker 1: got a money we know, confession to share with your

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Speaker 1: team this week?

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Speaker 7: I have a double confession or so. Things were tracking

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Speaker 7: really well with me writing down everything I was spending

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Speaker 7: the last few weeks going so well, and then on

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Speaker 7: the weekend hit the clubs.

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Speaker 1: Which I made mistakes, which is questionable even for you.

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Speaker 7: I know I'm not really a party girl. But on

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Speaker 7: the weekend. I was where were you partying iron people's shots?

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Speaker 1: Where you were buying people shots?

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Speaker 7: Way too drunk anyway, all of my good work just

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Speaker 7: went out the window.

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Speaker 1: But did you write that down in your book?

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Speaker 7: No? I did the book. The books off.

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Speaker 4: Like buy shot, one shot.

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Speaker 1: Sorry, turn the music down.

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Speaker 3: But can you just exactly define when you say I

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Speaker 3: made mistakes?

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Speaker 1: What were the mistakes?

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Speaker 7: Just like buying a lot of drinks for myself for

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Speaker 7: other people ubers, Uber eats, uber eats after the session.

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Speaker 7: You know what I'm saying, which is just in Melbourne's

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Speaker 7: CBD various venues. I want to close, worry about it.

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Speaker 1: She was, she was at the couch. So that was that.

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Speaker 7: And then today I was like, I need to get

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Speaker 7: out of the house working from home, went for a

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Speaker 7: little walk to the bakery. I was going to buy

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Speaker 7: a loaf of bread, and so I did, and the

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Speaker 7: lady was like, that'll be eight dollars please? What eight dollars?

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Speaker 1: That's a question? Were you like, oh my gosh, no,

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Speaker 1: sorry man, I did not order eight breads?

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Speaker 5: Yeah?

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Speaker 1: One?

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Speaker 7: And she was like no, And I was like, is

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Speaker 7: there golden end? She was like no. So I just

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Speaker 7: walked home you can't not get it at that point,

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Speaker 7: you know.

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Speaker 1: No, I wouldn't have backed down from that syl either.

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Speaker 7: So I mean it was delicious, yeasty bread at least

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Speaker 7: like a sour dough.

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Speaker 1: It was.

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Speaker 7: It was delicious, But eight dollars too many dollars in

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Speaker 7: my Yeah, agreed, agreed anyway, bread chats aside, Let's move

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Speaker 7: on to jets.

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Speaker 4: I'm really scraping the bottom of a barrel this week.

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Speaker 1: Wait till mine, my lafe.

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Speaker 4: Mine's a money win and normal My partner and I

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Speaker 4: al tonight. We have like one takeout night a week.

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Speaker 4: It's like our little splurge night. I can get whatever

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Speaker 4: you want. Normally we just alternate weeks. Who pays like,

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Speaker 4: we don't share senses. It's just easier that way. This

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Speaker 4: week was my week, but he paid again?

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Speaker 1: Money? How do you swing that one? I just he

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Speaker 1: listened to the pod should we be?

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Speaker 4: He was in trouble and.

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Speaker 1: He was trying to pick up for life loss.

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Speaker 3: Oh gosh, so I've also got a loss?

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Speaker 1: Oh no, me too. This is not a pH you

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Speaker 1: know what, I'll throw in a money when it will

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Speaker 1: be you know, far fetched? But Ryan, what is yours?

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Speaker 3: So bridget gets home the other day and says the

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Speaker 3: water's not working. She wants to have a shower, and

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Speaker 3: the whole apartment we've got no water, and we don't

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Speaker 3: know what it is because it's an apartment. We don't

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Speaker 3: even know where to even look. So we call the plumber.

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Speaker 3: It's after ours because it's not like no drinking water

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Speaker 3: or anything, so it's after hours. They come out and

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Speaker 3: it turns out the people next to us are renovating

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Speaker 3: their kitchen, so they turned the tap off, thinking it

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Speaker 3: was for their kitchen, but it was the tap off

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Speaker 3: for the whole building.

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Speaker 1: I knew you had to pay for the plumber because

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Speaker 1: I called the plumber they would pay for it.

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Speaker 3: But it turns out multiple the whole building was out,

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Speaker 3: so multiple people had called multiple plumbers, and once they

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Speaker 3: turn up, one person just went and all the other

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Speaker 3: plumbers were like, thank you, one and twenty.

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Speaker 1: That's like a community money loss.

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Speaker 3: Yeah, money win for the plumbers. They're all high five

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Speaker 3: and each other's on the way.

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Speaker 1: Out, So what what's going to happen?

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Speaker 3: I don't know. They felt really bad because once they oh,

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Speaker 3: we didn't realize it was everyone who just thought it

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Speaker 3: was us, so they felt horrible, which made us less

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Speaker 3: like lunch model.

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Speaker 4: Yeah, okay, but one hundred and twenty bucks for something

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Speaker 4: that's literally got nothing to do with you. I feel

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Speaker 4: like they've got to cover that. And yeah, it is

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Speaker 4: pretty bad luck.

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Speaker 3: But I think there was three or four different people

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Speaker 3: called plumbers, So tough day.

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Speaker 1: Oh gosh, I also have a trades person money loss.

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Speaker 1: It's it's my own fault the second time, but the

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Speaker 1: first time, I don't know what caused it. For those

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Speaker 1: of you who have been listening to the journey, you

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Speaker 1: know that I bought a home recently, and with owning

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Speaker 1: a homecomes home ownership costs. One of them is having

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Speaker 1: to pay a Palmer to come out to you because

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Speaker 1: your sewerage is backed up and it is spewing out

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Speaker 1: in your garden. And yeah, is that the whole house?

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Speaker 1: I think, not the house, just my driveway, which you

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Speaker 1: have to actually walk up to get into my house.

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Speaker 1: So it was just a good experience for everybody involved.

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Speaker 1: And so two hundred and forty dollars got the plumber around.

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Speaker 1: He said, your pipes are blocked. It's because it's an

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Speaker 1: older house. It's very common. Just make sure like you're

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Speaker 1: checking what you're flushing? He said. He put his little

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Speaker 1: camera down there, couldn't work out what it was, and

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Speaker 1: he said, I think it's just like time. The people

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Speaker 1: that lived here before you hadn't lived there for six

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Speaker 1: months whatever. Okay, no problems. And then I'm not trying

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Speaker 1: to be naughty. I flushed cat lisher because we have

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Speaker 1: flushable cat lisher. I spend a lot of money, you though, No,

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Speaker 1: Steve does.

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Speaker 3: I don't do that chore, you know what I mean?

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Speaker 3: Like it says it's flushable litter, but is it flushable

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Speaker 3: the way that this.

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Speaker 1: Story is going probably yeah, like spoiler spoiler with flushed

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Speaker 1: cat litter backed off our toilets again in another two

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Speaker 1: hundred and forty dollars, ensued to get the pipes. Same guy,

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Speaker 1: same guy, he's rolling in it. Yeah, he's like these

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Speaker 1: guys plubs.

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Speaker 3: You know what, someone's putting a camera down a sewerage

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Speaker 3: tank to have a look. He earned that money, Yeah.

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Speaker 1: Money lost. He also what a guy he like high

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Speaker 1: pressure washed my.

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Speaker 5: Driveway before he left, so that I.

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Speaker 1: Didn't have what a legend? Yeah that is nice, ten

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Speaker 1: out of ten experience. I didn't ask him to do that.

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Speaker 1: He was like, oh, I just tidied it up out

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Speaker 1: into the car. It was like, what a legend.

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Speaker 7: That's so nice, that makes it all worthwhile.

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Speaker 5: Yeah, I really liked him.

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Speaker 1: Brian, could you make an epic segue into segment of

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Speaker 1: the show, which is your now six money wins. I

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Speaker 1: don't know if you guys have noticed, Jess Georgia. They're dwindling.

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Speaker 1: It's gone from eight to six.

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Speaker 3: I've got an epic one, but it's fallen through so

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Speaker 3: that it might be on next Friday. What do you mean,

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Speaker 3: I'm doing some background investigating about one specific win of

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Speaker 3: the week.

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Speaker 1: It's of a week, yeah, but not this week.

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Speaker 5: We'll take it to a vote.

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Speaker 3: Have you guys heard of Car next Door? Yes, I've

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Speaker 3: never heard of this before I looked into the group today.

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Speaker 3: Tracy says money win. I recently put my car on

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Speaker 3: Car next Door as a bit of a side hustle,

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Speaker 3: and I made nine hundred dollars in one month. I

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Speaker 3: couldn't believe it.

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Speaker 1: That's a lot of money.

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Speaker 3: The money is going towards getting the car service, and

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Speaker 3: any future income will go towards the car's exterior. Blah blah,

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Speaker 3: take care of it. So my car is kind of

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Speaker 3: paying for itself and paying itself off. So V what

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Speaker 3: is car next door?

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Speaker 1: It is a car share company. Feel like I've been

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Speaker 1: put on the spot to sell a businesses but a

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Speaker 1: car share company where you can list your car online

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Speaker 1: in much the same way you could list your house

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Speaker 1: as an airbnb and lease it out to people who

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Speaker 1: want to come and borrow your car.

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Speaker 3: So hypothetically, and I feel like this would be very

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Speaker 3: common to a lot of us and people listening. You're

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Speaker 3: working from home Monday and Tuesday, You've got your car

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Speaker 3: sitting there in the driveway. Someone's going to pay you

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Speaker 3: however much, and they go, I just need the car

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Speaker 3: for the day. They take it, bring it back to

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Speaker 3: your driveway.

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Speaker 1: You borrow the cardig raising.

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Speaker 3: Nine hundred bucks in a month.

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Speaker 1: I reckon that is epic. That's someone's entire rent.

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Speaker 3: That's a lot of money.

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Speaker 4: Yeah, like what but also something you literally already had

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Speaker 4: sitting around? Yeah?

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Speaker 1: Asking the real questions here as the type a person

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Speaker 1: like have we started the best money win or have

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Speaker 1: we started at like the not best money win?

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Speaker 5: Like where are we at righting hierarchy?

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Speaker 1: Is there a hierarchy this week? Or are you just

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Speaker 1: reading out six random ones and just not putting in

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Speaker 1: nearly as much thought as you usually do.

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Speaker 3: Sarah said, I did a market stall on Sunday to

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Speaker 3: get rid of some things that I normally would have

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Speaker 3: just taken to the op shop. Covered my costs and

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Speaker 3: may two hundred and twenty dollar profit.

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Speaker 1: Of Sarah, but not Ryan's.

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Speaker 3: I believe she Someone asked it was at the Cambwell

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Speaker 3: Market because that's a very popular one, very popular second

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Speaker 3: hand goods. She said that sometimes she goes there, but

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Speaker 3: she went to Bentley which is in a bit of

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Speaker 3: a secondhand tray going on there. Also on the same theme,

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Speaker 3: Carly said she sold some clothes on deep pop eighty

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Speaker 3: five dollar money wins so far. Now does anyone know

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Speaker 3: who about deepop de popper?

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Speaker 1: Yeah, ooh what your deep Popper?

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Speaker 3: And I guess what it is? I don't know.

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Speaker 4: I don't know if it's meant to be a guess

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Speaker 4: what it is?

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Speaker 3: So I've only heard of de pop is when influencers

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Speaker 3: get sent free stuff that they don't need and then

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Speaker 3: they flip it, even though they mike what I get

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Speaker 3: used for is that's not the whole purpose, right.

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Speaker 4: No, But as a content creator, that's definitely something I've

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Speaker 4: done in the past. No, but it's just it's like

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Speaker 4: a online marketplace. Like you said, it's primarily clothing and accessories,

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Speaker 4: but like some people do homewares or homemade like business pieces.

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Speaker 3: Is it Etsy esque?

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Speaker 4: Not really, because it is more it's kind of like

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Speaker 4: an online thrift shop, like you any clothes that you're selling.

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Speaker 4: It's a good place if you're looking for something specifically

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Speaker 4: to get it really cheap like Emay kind of yeah,

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Speaker 4: but you don't beat it. It's just like you put

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Speaker 4: it up, that's the price, and get it. I know

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Speaker 4: a lot of people also rent.

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Speaker 1: Stuff on there, but I would.

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Speaker 4: I don't really know how that works because if you're

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Speaker 4: designed for that.

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Speaker 3: If you're going to sell something, would you sell it

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Speaker 3: on Facebook Marketplace or deepop if it's closed.

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Speaker 4: I tend to do Deepop because you can just sell it,

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Speaker 4: package it, and post it. You don't have to worry

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Speaker 4: about like getting it to someone because you you include postage.

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Speaker 1: In the price, right yeah, right, And also you don't

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Speaker 1: have to deal with the pesky back and forth that

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Speaker 1: Facebook marketplace sufforters some affords sometimes people do. There's a

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Speaker 1: real I can't talk that Facebook marketplace suffords you.

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Speaker 4: Sometimes people do that. There's a really funny Instagram account

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Speaker 4: that shows like dumb things people have DMed on, like

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Speaker 4: deep hop, and it's quite good. I would recommend that.

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Speaker 1: I not like that.

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Speaker 3: I saw a TikTok once that was about Facebook mark

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Speaker 3: place where someone just walks into the room and goes

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Speaker 3: is it still available? And the person's like yep, and

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Speaker 3: then they just leave because if anyone sold anything on

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Speaker 3: Facebook marketplace, that happens all the time.

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Speaker 1: People message you and then disappeared all their time.

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Speaker 3: All right, let's go to Eliza, a pretty name. Eliza said,

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Speaker 3: I've been trying to stop buying so many coffees at work,

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Speaker 3: so I just restocked my coffee pods within it, she does,

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Speaker 3: then espresso one, which is obviously, you know, one of

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Speaker 3: the classics. I did a lot of online research and

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Speaker 3: shopped around and I found a place that was doing

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Speaker 3: sixty pods for forty nine dollars.

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Speaker 1: Is that good?

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Speaker 3: That's less than a dollar a pod, which is pretty

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Speaker 3: about milk. However, then she did some more shopping around

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Speaker 3: and you know, look for some discount codes, and I

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Speaker 3: know a lot of people are just checking shop back

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Speaker 3: just before they buy anything just in case it's on

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Speaker 3: there and stuff like that.

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Speaker 1: What we promote.

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Speaker 3: Yeah, there's even more discounts free shipping. It ended up

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Speaker 3: being sixty two cents per coffee.

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Speaker 1: Money, which is huge.

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Speaker 3: Let's go to Jessica. Saved over fifty percent on my

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Speaker 3: monthly car insurance just I'm moving into my first home.

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Speaker 3: It turns out my new suburb is much safer than

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Speaker 3: my old suburb. So you know how sometimes you type

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Speaker 3: in where you are and I.

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Speaker 1: Know exactly what she means. Yes, how much more rent

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Speaker 1: you're paying my friend?

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Speaker 3: But does it balance it out? Though?

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Speaker 1: Oh maybe, but friend's fifty bucks?

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Speaker 3: H are an insurance as fifty bucks?

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Speaker 7: Sheep?

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Speaker 3: Wouldn't you rather leave in the good place?

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Speaker 1: Is that really a money win or is that just

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Speaker 1: a life smart win? We're getting savage on the money wins.

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Speaker 1: Ryan is really unimpressed with me today.

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Speaker 3: That was a good point. I mean, how many segments

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Speaker 3: can we have?

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Speaker 1: I don't know.

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Speaker 4: Was that a tantrum?

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Speaker 3: It's like, now this is the most you know how

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Speaker 3: last week I said this is the most disgusting, weird

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Speaker 3: money win ever, because it was the girl she ate

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Speaker 3: popcorn from the back of the couch for twenty bucks

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Speaker 3: with a bet with her partner. I thought that was

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Speaker 3: the most random thing I would have ever read in

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Speaker 3: the group.

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Speaker 1: But she spoke too soon, didn't you.

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Speaker 3: I bite my tongue today. This is a money loss, okay,

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Speaker 3: and it's it's not written to be funny, but I

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Speaker 3: just don't understand.

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Speaker 1: Did you read it in a funny tone in your head?

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Speaker 3: Like in an accent?

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Speaker 1: You know how you sometimes just read things and somebody's

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Speaker 1: voice pops into your head.

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Speaker 4: Okay, there's voices in your head.

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Speaker 1: I feel like that's what I've taken from this.

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Speaker 3: Okay, it's from Rami. Rami says money loss. I can't

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Speaker 3: even say this to a straight face. I can't. This

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Speaker 3: is legit.

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Speaker 1: This she may just read it. She goes so bad

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Speaker 1: so quickly.

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00:18:38,200 --> 00:18:40,960
Speaker 3: I bought a pony, which I certainly don't need and

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Speaker 3: don't have any use for.

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Speaker 1: Hold on, what is this? I went to a bar

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Speaker 1: and I came home with a pony.

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Speaker 3: That's fine, money lost. Bought a pony which I most

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Speaker 3: certainly don't need and certainly don't have a use for.

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Speaker 3: Here's a waste of money.

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Speaker 1: I'm not gonna lie. How rich are you?

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Speaker 4: Where did you put it like a pony is not

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Speaker 4: a small purchase, like.

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Speaker 1: Where is it going?

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Speaker 3: That was the weird part for me because I can

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Speaker 3: understand how Georgia can absolutely smash a cash on a

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Speaker 3: bend because one thing leads to another and you buy

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Speaker 3: another round. But you don't just walk into a pony

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Speaker 3: store and be like, what an idiot.

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Speaker 1: That's a really great response to the question tell me

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Speaker 1: you're rich without telling me rich.

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Speaker 3: Do you get those coffees today?

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Speaker 6: Yeah?

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Speaker 3: And I picked up a few other things.

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Speaker 1: I'm now a proud owner of a pony's.

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Speaker 3: Money, all right. I next week will be one of

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Speaker 3: the best money wins ever. That's what I'm working on

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Speaker 3: behind the scenes.

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Speaker 1: All right. Well, I want to hear that as do

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Speaker 1: Georgia and Jess. Thank you once again friends for joining

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Speaker 1: us for our Friday drinks where our team genuinely uses

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Speaker 1: this time to catch up because we don't have much

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Speaker 1: time for the rest of the week. Just before we

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Speaker 1: head off, we'd like to acknowledge and pay respects to

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Speaker 1: Australia's Aboriginal and torrest Raight Islander people's, the traditional custodians

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00:19:57,480 --> 00:20:00,840
Speaker 1: of the lands, the waterways and the skies all are Australia.

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Speaker 1: We want to thank you for sharing and for caring

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Speaker 1: on the land which we are able to learn. We

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Speaker 1: pay our respects to elders past and present, and we

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00:20:08,280 --> 00:20:12,399
Speaker 1: share our friendship and our kindness. The advice shared on

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Speaker 1: She's on the Money, including the Friday Drinks episode, is

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Speaker 1: general in nature and it does not consider your individual circumstances.

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Speaker 1: She's on the Money exists purely for educational purposes and

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Speaker 1: should not be relied upon to make an investment or

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Speaker 1: financial decision, and we promise. Victoria Devine is an authorized

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Speaker 1: representative of Australia Pacific Funds Management Proprietary Limited ABM three

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Speaker 1: four one three two four six three two five seven

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Speaker 1: IFSL three three nine one five one. And thanks to

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Speaker 1: Ryan and Beck our producer Angels for putting this all

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Speaker 1: together again. We would love it if you joined our

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Speaker 1: Facebook group where our community shares money, tips the tricks

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Speaker 1: every single week, free of judgment. So She's on the

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Speaker 1: Money on Facebook and join us. I snooze normally we

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Speaker 1: order

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Speaker 3: Everyone together is three two one funny