Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whoalbury 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 impactful tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 2: Hello, and welcome to She's on the Money, the podcast
Speaker 2: for people who want financial freedom. Today, my friends, it
Speaker 2: is Friday, which means once again it is time to
Speaker 2: get our team together and celebrate you our incredible She's
Speaker 2: on the Money community Today is just greed. She's going
Speaker 2: to be sharing her favorite money wins of the week
Speaker 2: from our group. Miss beck say Ed has some broke
Speaker 2: broke tips for you, and we're going to be helping
Speaker 2: to answer a juicy money dilemma, which this week is
Speaker 2: all about work opportunities for someone who is disabled and
Speaker 2: has chronic illness. We're also then unpacking something that you
Speaker 2: slid into our DMS about which this week we're talking
Speaker 2: about family, gift giving and money, which is a little
Speaker 2: bit elusive, but I promise it's worth the way Before
Speaker 2: we get there, my friends, how have your weeks been?
Speaker 4: You go first?
Speaker 2: Yes, so you say this every time.
Speaker 4: Well, I'm just like, I've got to.
Speaker 2: Think about it. I didn't see this coming and that
Speaker 2: she's on the money Friday episode. Can't believe the asked
Speaker 2: me how I was.
Speaker 5: I feel like it's the equivalent of your holding the
Speaker 5: door open for me appally, Yeah.
Speaker 2: Jesse three, how was your week to report? I have
Speaker 2: no disasters to share?
Speaker 6: What?
Speaker 5: So it was the throwing the salt over the the
Speaker 5: three circles that nothing touch wood has gone wrong this week,
Speaker 5: and that makes me very happy.
Speaker 2: So what could I possibly like?
Speaker 5: Literally, nothing exciting has happened to me, but nothing has
Speaker 5: gone wrong, and that in itself is exciting.
Speaker 2: That's quite impressive. I'm very proud of you, Jessica. You
Speaker 2: miss ed how was your week.
Speaker 5: Being so good?
Speaker 4: I know I'm talking about last weekend, but you know
Speaker 4: it's still close enough for me. To include in my
Speaker 4: week really had a weekend yet, Oh that's so true,
Speaker 4: So like it's fine, what did I do? I've been
Speaker 4: seeing heaps of friends going to the gym. I got
Speaker 4: a new tattoo.
Speaker 2: I was just with my thigh.
Speaker 4: It just says the word tree. It's just a long
Speaker 4: genie and we'll.
Speaker 2: Get to that.
Speaker 5: Take your hands off when we're off, Okay, I'll put
Speaker 5: them back on there Fridays it's a matching.
Speaker 4: Tatty with my best friend. I have like a really
Speaker 4: cute weekend and this week as well just been sunny
Speaker 4: and and just just being so stoked.
Speaker 2: You are literally the most social butterfly I know. Like
Speaker 2: it's so funny, Jess. The other day, Beck and I
Speaker 2: were talking about something and I said, oh, yeah, yeah,
Speaker 2: when I get home, like I'll do X y Z.
Speaker 2: And was like, oh, I never know what I'm doing
Speaker 2: after work. And I was like wait, what, Like don't
Speaker 2: you just go home like like cook dinner, feed pets, couch,
Speaker 2: stare at wall for three hours And Beg was like no, no, no,
Speaker 2: I've always got something after work, just never know what
Speaker 2: it is. And I'm just like that is so rogue,
Speaker 2: like to me, I know you wouldn't be able to
Speaker 2: do that either. Jests not socializing after a whole day,
Speaker 2: Like there's probably an avocado at home that needs using
Speaker 2: that night, and like the be like, oh, Jess and
Speaker 2: I going out for dinner. I'll be like, Jesse, you
Speaker 2: can come over for dinner. Yeah, we will be using that.
Speaker 4: Avocado as the avocado.
Speaker 2: It's actually insane. You're a busy little bite.
Speaker 4: It's a normal way to live. The way you're living,
Speaker 4: and you're on here up with it's a bit crazy.
Speaker 4: It's a bit crazy sometimes. But b how was your week?
Speaker 2: My week was really chill. As we know, I feel
Speaker 2: like I bring it up all the time, but I
Speaker 2: feel like I have to remind people I'm pregnant, and
Speaker 2: I'm very pregnant now. So I didn't do much. But
Speaker 2: on Sunday, actually I did the Tiny Hearts course, so
Speaker 2: it's like a first aid course for babies and kids, huge,
Speaker 2: which I was really excited about doing. Full disclosure, that
Speaker 2: was a gifted experience from Nicki and Rachel who own
Speaker 2: and run Tiny Hearts, and I just it was something
Speaker 2: that I wanted to do. Irrespective of whether it was
Speaker 2: gifted or not. There was just very very kind for
Speaker 2: them to say that, because they offered it to me
Speaker 2: when I was inquiring to pay for it, and I
Speaker 2: was like, yeah, of course, but it just, I don't know,
Speaker 2: it made terrifyingly parenthood feel a bit more real. But
Speaker 2: also it was just so nice to like go through
Speaker 2: everything and feel like all right, well in a crisis,
Speaker 2: like I have been trained for this, like I'm all
Speaker 2: right with it. But then I also felt like it
Speaker 2: was so nice because like my family came over and
Speaker 2: I was like, at least we're on the same page,
Speaker 2: and like, I'm not a parent yet and there aren't
Speaker 2: any other grandchildren in my life side of the family,
Speaker 2: so like in my head, I'm like, oh, is this
Speaker 2: going to be one of those things where you know,
Speaker 2: my mum goes, oh but back in our day we xyz,
Speaker 2: Like she hasn't done that yet, but like just gives
Speaker 2: you a little bit of anxiety. And I was like, well,
Speaker 2: at least when it comes to the care of this child,
Speaker 2: we're all on the same page. We'll all be doing
Speaker 2: the same thing. It just gave me, yeah, a lot
Speaker 2: of peace of mind. So that was really nice, and
Speaker 2: I feel like ready for the baby to come out now.
Speaker 2: Not long ago I did my first day course. Were ready, Jess?
Speaker 2: Are we ready? But let's jump into the show. I
Speaker 2: am very excited, Miss Jesse Gricci. Money wins are some
Speaker 2: of my favorite things about the community. So what have
Speaker 2: you got this week?
Speaker 5: Firstly, I've got one from Emily who said money Win.
Speaker 5: I bought it back for nine hundred and fifty dollars
Speaker 5: in twenty twenty and I just sold it for a
Speaker 5: whopping two thousand, two hundred and fifty.
Speaker 2: I'm sorry, what?
Speaker 6: Wow?
Speaker 2: Pretty sure? Do we get more content? No, I'd love
Speaker 2: to know. Oh, I need the pervy details. That is
Speaker 2: a great asset appreciation wall. We like a Berkin or
Speaker 2: a Chanel or something. It'd be a desire to BacT. Yeah,
Speaker 2: one hundred percent. It's not like a Cole's Green bag,
Speaker 2: even if it was limited edition.
Speaker 4: It's not worth that.
Speaker 2: No, I don't think so at all.
Speaker 5: Next, I've got a money in from Robin who said
Speaker 5: I've taken up cleaning houses locally for Cash's my second job.
Speaker 5: Jane put my headphones in and listened to Shees on
Speaker 5: the Money podcasts while cleaning. I have the five thousand
Speaker 5: dollars savings plan on my fridge to tick off the
Speaker 5: different amount, and my goal is to go overseas. It's
Speaker 5: good exercise, keeps me easy and focus.
Speaker 2: We welcome to the cult.
Speaker 5: Love it well, I'm Robin. Next, I've got a money
Speaker 5: in from Melanie who said Bedthread sent me a king
Speaker 5: size fitted linen sheet by mistake in the color I
Speaker 5: actually was wanting and I wasn't charged.
Speaker 2: Now you just have oversized sheets.
Speaker 5: Don't You Just always love like a little extra something,
Speaker 5: and you've been there and then you reach out, you
Speaker 5: say hey, I got this, and they go just keep it.
Speaker 5: I love I love it that it doesn't happen often.
Speaker 5: Really nice, really nice sheets. Next, I've got a money
Speaker 5: in from Emily who said, I'm selling my kombocher scoobies
Speaker 5: that made themselves for free. And I don't know why,
Speaker 5: but I feel like you know how to make komboch.
Speaker 2: A well, I absolutely know that Jess does not make
Speaker 2: kombucha because it's Scoby Scoby Big. It is Sooby Scooby,
Speaker 2: like of the Scubat Doo variety. Scuba do do do
Speaker 2: you mean Scooby Doo? Yes, yeah, okay, she's canceled. Scuba
Speaker 2: is his government name.
Speaker 4: Yeah that is no, it is Yeah, that's so true. Yeah,
Speaker 4: yeah it's birth.
Speaker 2: You can tell she doesn't make kombucha, but like maybe
Speaker 2: I've given her a crack before. But that is lucrative
Speaker 2: because if you get a good mother, Scoby like, you
Speaker 2: have good kombucha for a long time and it's hard
Speaker 2: to build them like a sour dough starter. Right, yeah,
Speaker 2: the mother.
Speaker 6: There you go.
Speaker 4: I've accidentally made butcher a number of times.
Speaker 2: Of course you don't clean your pots, babe.
Speaker 5: Next, I've got the money in from Dana who said
Speaker 5: money win. I went into Kmart as we needed to
Speaker 5: buy a birthday present, and I had all the Christmas
Speaker 5: clothes out on a rack.
Speaker 2: For fifty cents each. Oh money.
Speaker 5: We got both my kids a couple of new Christmas
Speaker 5: shirts and a biggest size that they can grow into,
Speaker 5: and some gringe pajamas that were originally eighteen bucks but
Speaker 5: now iffy cents. Found some men's boxer shorts. They were
Speaker 5: discounted to five cents, so I bought two pairs. You
Speaker 5: can wear Christmas boxes all year round. Well, my boyfriend
Speaker 5: does firstive as I love it huge. I found at
Speaker 5: Best and Less they have really cute Christmas baby outfits
Speaker 5: that are two bucks at the moment.
Speaker 2: Oh my god money.
Speaker 5: We bought a couple for my friends who are currently
Speaker 5: They're very cute. Lastly, I have a money win from
Speaker 5: Heidi who said I remembered some sneaky stuff discounts that
Speaker 5: I was eligible for. Next second, sorry the brain a baby,
Speaker 5: not me remember some sneaky stuff discounts I was eligible for.
Speaker 5: I managed to get fifty percent of travel insurance that
Speaker 5: I needed for an end of your trip money win.
Speaker 6: Love that.
Speaker 5: I just remind us and abuse your friend's staff discounts.
Speaker 5: Probably don't abuse it abuse gently?
Speaker 2: Oh gently?
Speaker 5: Yeah, like if your friend has a stuff discount and
Speaker 5: they are allowed to use it for other people.
Speaker 2: Hit the mark, misspecs. I ed, you've got some broke tips?
Speaker 2: What are they this week?
Speaker 4: Okay, so my first broke tip comes from So I'm
Speaker 4: using an Instagram handle for this one. So Crisp Forrest
Speaker 4: is sent through an idea for a cheap eat which
Speaker 4: actually sounds delicious. So it's porridge two dollars for a
Speaker 4: two kilo bag of oats and cocoa. If you have
Speaker 4: a financial capacity, you can put it up with some
Speaker 4: home brand honey and fresh fruits. So I guess, like,
Speaker 4: you know, oatsch sorriage, Yeah, Choco porridge. I like to say,
Speaker 4: actually get Choco porridge.
Speaker 5: Yeah.
Speaker 4: So that's a really good one. And I actually might
Speaker 4: be trying that.
Speaker 2: I share about my oats relatively regularly on social media.
Speaker 2: You clearly don't look at my stories as much as
Speaker 2: Jess does, if you feel just being like yeah she does.
Speaker 2: My go to is literally oats and brown sugar. Like
Speaker 2: I just I'm so basic. Coco that's fancy, too fancy.
Speaker 2: We're gonna need some oats and some brown sugar, full stop.
Speaker 2: End of story.
Speaker 4: Yeah no, that's true actually, but it is like a
Speaker 4: you know that's a home brand cocoa.
Speaker 2: Oh yeah, Like it's not even about being expensive. They're
Speaker 2: just fancier than I am.
Speaker 4: That's so bad. It actually really tasty, but I do
Speaker 4: I won't knock it, that's for sure.
Speaker 2: No, it's delicious.
Speaker 4: So the next one comes from Chloe, who was suggested
Speaker 4: freezing pesto in ice cube trays because the jar tends
Speaker 4: to go off and I I justly can't remember a
Speaker 4: single time where I've used a whole jar. You throw
Speaker 4: it out at some.
Speaker 2: Point, do you reckon you can freeze tomato paste in
Speaker 2: the same way. Yeah. IVE always run out of tomato paste,
Speaker 2: and then I go to use it, and like, I
Speaker 2: always buy the bougie one, the squeezy one because I'm lazy.
Speaker 2: And then I'm like, ah, so good, Jess, I've got
Speaker 2: some tomato paste in the cupboard. And then I like,
Speaker 2: pull it out, not the cupboard, the fridge. I keep
Speaker 2: it in the fridge just so everyone knows. And then
Speaker 2: I see the little bit of mold on the top,
Speaker 2: real clear plastic, and I'm like, I do not have
Speaker 2: tomato paste. Oh wow, but maybe if I put it
Speaker 2: in ice cube trays freezing yeah, and then easy to use.
Speaker 4: You just pop it out, you chuck it in.
Speaker 2: I feel like Master Chef too be like here's something
Speaker 2: over bad earlier.
Speaker 4: Yes, yeah, that's good.
Speaker 6: So I love that.
Speaker 4: Thank you, Choe. Okay, So my one is I actually
Speaker 4: got this from my house mate and another friend of mine.
Speaker 2: Actually I stole this tip that was stolen. I feel
Speaker 2: like that's very on trend.
Speaker 4: You'll realize. You'll soon realize that it is something that
Speaker 4: I've lived by my whole life. So I want you
Speaker 4: to know I've never been to a hairdresser ever. So
Speaker 4: my housemate was telling me that she has saved I
Speaker 4: think around three thousand dollars in a year because she
Speaker 4: instead of going to the hairdresser to get her roots
Speaker 4: touched up, she had just bought box dye instead. And
Speaker 4: so I'm assuming there's some sort of tona or some
Speaker 4: sort of lightning kind of thing in the box stye
Speaker 4: that she uses, and she just wants I think, like
Speaker 4: a ready orange color. She gets that easy. So she
Speaker 4: went to box stye instead. And my other friend was
Speaker 4: telling me about how she got her housemate to cut
Speaker 4: her a little bowl cut, which.
Speaker 2: I could cut you a bowl cut. I would have
Speaker 2: a lot of fun doing that. Let me know when
Speaker 2: you're ready.
Speaker 4: Totally, and it's it's in fashion depending on you.
Speaker 2: You're on a Cutbeck's hair, Yeah, that'd be fun, friend,
Speaker 2: right for a wedding.
Speaker 5: It was not.
Speaker 2: Like just after he didn't put a bowl on his
Speaker 2: I did want a bowl.
Speaker 6: On his hair.
Speaker 5: He just asked me to cut his hair and I
Speaker 5: said this is a very bad idea, and he so
Speaker 5: that's okay, I trust you, and then I accidentally get
Speaker 5: him a ball cut.
Speaker 4: You shouldn't have trusted.
Speaker 2: No, you shouldn't have. I told him that I would
Speaker 2: trust Jess as well. I don't know why. She just
Speaker 2: gives trustworthy.
Speaker 3: I don't know.
Speaker 2: And then I'd obviously be like, oh, you messed it up. No,
Speaker 2: that's a big mistake. It's definitely not your competence, like
Speaker 2: this just must be a once off. And then I'd
Speaker 2: probably let her do it again again and again. I
Speaker 2: could trim your ends. Maybe your bangs.
Speaker 6: Perfect.
Speaker 2: You get a friend like Jess and she can become
Speaker 2: your like in house hairdresser.
Speaker 4: That's good.
Speaker 2: You can see me out if that's business coming soon.
Speaker 2: It replaced me when I'm on mat Leaves. I think
Speaker 2: I'm going to be unhinged.
Speaker 4: That's a good idea. That's gonna be hard, though it
Speaker 4: will be hard. No, but maybe that'sn't irresponsible to it.
Speaker 4: But I would recommend if you can, if you feel
Speaker 4: confident enough, hair will grow back. But you do that
Speaker 4: your hair, and your hair is fine and looks good
Speaker 4: like never I mean your head dresser, and look at me,
Speaker 4: that is criving driving.
Speaker 2: Thank you so much. Don't tell my hairdresser. She would
Speaker 2: have a conniption.
Speaker 4: Sorry, I don't know if if you're listening to this
Speaker 4: and turn it off, and that's it from me. I
Speaker 4: hope you guys enjoyed that.
Speaker 2: I did enjoy that. I'm scared that I'm going to
Speaker 2: get like a message from voter being like stop saying
Speaker 2: use boxed. I'm really sorry. As I told you, tune out.
Speaker 2: That was Beck's tip, not mine, and I will cut
Speaker 2: from my hair. I promise, I promise. Let's go to
Speaker 2: a really quick break on the flip side. We're going
Speaker 2: to be talking about work opportunities for someone who's disabled
Speaker 2: and has chronic illness. And we're also going to be
Speaker 2: unpacking something that you slid into our dams about which
Speaker 2: this week is family, gift giving and money. So don't
Speaker 2: go anywhere. Welcome back, everybody. Let's take a listen to
Speaker 2: the Money Dilemma. Hi, there, have you got a money
Speaker 2: dilemma you just can't solve that. She's on the Money
Speaker 2: Team is here to help.
Speaker 3: Every week we tackle your dilemmas, both big and small,
Speaker 3: to answer your most burning money, career and life questions.
Speaker 3: To get involved, simply head to our website and leave
Speaker 3: us a short voice recording and you might just find
Speaker 3: yourself on the show.
Speaker 2: Now, let's take a listen to this weeks money dilemma.
Speaker 6: Hell, this comes up quite often in discussion for him,
Speaker 6: so I thought i'd ask you. I am disabled, I
Speaker 6: have multiple chronic illnesses, and I have so much trouble
Speaker 6: get in the head. I have very little money, huge
Speaker 6: medical costs, and I you know, I'm out of pension.
Speaker 6: So if you earn more than a few hours per fortnite,
Speaker 6: it gets cut and then you're only earning a small
Speaker 6: amount per hour. I don't have the energy or the
Speaker 6: money to start a risky new business venture, so I
Speaker 6: can't type, so I can only type a little bit,
Speaker 6: so I can't do things like VA or transcription from home.
Speaker 6: There has to be something for people like me.
Speaker 2: That's a really tough one. I feel like it's super
Speaker 2: tough because she's obviously unable to do a lot of
Speaker 2: the things that you know, the people that we know
Speaker 2: who are disabled or have chronic illness do like they
Speaker 2: will often do like VA work or like work from
Speaker 2: home because obviously it's a little bit more flexible. But
Speaker 2: she's unable to do that, which would be honestly so
Speaker 2: frustrating for her. Like I'd be rocking a hard place
Speaker 2: as well.
Speaker 4: I think it's a really it's a really really important question,
Speaker 4: and I feel like while we might not necessarily have
Speaker 4: the exact answer where we I feel like we usually do,
Speaker 4: it's a really important thing to not silence someone like
Speaker 4: this because we may not have the immediate answer.
Speaker 2: For one hundred percent, let's talk about I think this is.
Speaker 4: A really, really, really important conversation to be having and
Speaker 4: for there are probably so many people out there that
Speaker 4: are struggling in the same way, and you know they
Speaker 4: would love to hear about this as well, that at
Speaker 4: least they're not alone, you know what I mean. Yeah,
Speaker 4: And I've looked into it before, just how the funding
Speaker 4: works and what you get knocked for, and it feels dismal,
Speaker 4: Like it feels like you're a rock and a hard place,
Speaker 4: Like you really want to get ahead and you want
Speaker 4: something that engages you.
Speaker 2: Because you're still a smart, capable human being. You just
Speaker 2: have some restrictions on the way that you work. And
Speaker 2: sometimes you might be one hundred percent fine to go
Speaker 2: to work for an entire day and then you know
Speaker 2: the next week you're completely out for the count, and
Speaker 2: like that happens. But you are smart and you are capable,
Speaker 2: and you can totally do it, and you'd be an
Speaker 2: asset for anyone, but you need that level of flexibility.
Speaker 2: And obviously in this particular circumstance, she's like, well, I
Speaker 2: can't do that, and I can't brainstorm myself any other
Speaker 2: role that would suit. So what I'm going to do
Speaker 2: is I'm going to put a thread in our Facebook group,
Speaker 2: and hopefully I know that we've got a number of
Speaker 2: people in our community who are in similar situations. You
Speaker 2: can like go, oh, I did this or.
Speaker 1: I did that.
Speaker 2: But the frustrating thing I was getting at before was
Speaker 2: it's just so annoying how you try to get ahead.
Speaker 2: You might find a job that's like, oh, yes, like
Speaker 2: it's all good, Like you can have as much flexibility,
Speaker 2: just tell us when you're coming in or not. But
Speaker 2: that then in packs your pension payments and it impacts
Speaker 2: your pension payments so significantly. But also you're earning next
Speaker 2: to nothing to begin with, so it's like being kicked
Speaker 2: while you're down. You're like, is this not like better
Speaker 2: for you guys? If I'm out earning a bit more cash,
Speaker 2: Like you can't make millions in this situation anyway, Like
Speaker 2: it might be a couple of hundred bucks and then
Speaker 2: they're like, oof, we're gonna cut your payments. It's a joke.
Speaker 2: It's so unfair.
Speaker 4: This literally just came to me. But you know, she
Speaker 4: obviously is very well spokenly, extremely intelligent, and just like,
Speaker 4: I don't know, but maybe there's obviously, like for us,
Speaker 4: we have a career, Like I know you have other
Speaker 4: things on the side, and I do too, but we
Speaker 4: kind of have a career in audio, podcasting things like that.
Speaker 4: So I'm sure there's someone somewhere that would be so
Speaker 4: interested in hearing her story. I don't I don't really
Speaker 4: know what that looks like or how to really get
Speaker 4: there or what I'm saying, But I mean, she just
Speaker 4: sounds so well spoken, and I feel like if nothing else,
Speaker 4: she could find a way to maybe use her voice
Speaker 4: as a means to I don't know, find a career
Speaker 4: in that.
Speaker 2: Does it make sense?
Speaker 5: Yeah, I was just like mulling it over, and I thought,
Speaker 5: the only other thing, obviously we don't know the realm
Speaker 5: of the limitations that you have, but if you can't
Speaker 5: use your hands, maybe something around audio. As you were saying,
Speaker 5: narration work voice work, something like.
Speaker 2: That you're working in a call center or something like
Speaker 2: if they had remote jobs where you get to hands
Speaker 2: the phone have a chat with people. You sound friendly,
Speaker 2: I would want to chat with you. Yeah, voice acting,
Speaker 2: voice acting.
Speaker 5: And then the other suggestion that I could make, and
Speaker 5: I don't know how hopeful and hopeful this would be,
Speaker 5: but maybe looking into technological aids. You know, there's so
Speaker 5: much that you can do nowadays with AI, with voice
Speaker 5: to text, like, there are lots of things I think
Speaker 5: that hopefully will start to make it easier and easier
Speaker 5: for people with varying levels of abilities to enter workforces
Speaker 5: in areas that maybe historically they couldn't. So looking into
Speaker 5: what's available, but I think definitely leaning into the community
Speaker 5: and maybe pe who have gone through comparable lived experiences,
Speaker 5: do you have a look at that threat in the
Speaker 5: Facebook group and hopefully we get some great recommendations there.
Speaker 2: But yeah, I'm really.
Speaker 5: Sorry, I feel not super qualified to answer, and that's
Speaker 5: the best kind of suggestion that I could give, But just.
Speaker 2: Know that you don't have to have every answer gests.
Speaker 2: I feel really grateful that they reached out to us
Speaker 2: and thought, yeah, these girls might know the answer like,
Speaker 2: that's really kind that you did. Like, I just feel
Speaker 2: very trusted in these situations. But if I were you,
Speaker 2: i'd reach out if you've got like a case worker
Speaker 2: or someone who manages like your pension, giving them a
Speaker 2: buzz and being like, hey, what are people doing to
Speaker 2: you know, earn a little bit extra cash and stay
Speaker 2: engaged and you know what are they doing? Have you
Speaker 2: got options? What does that look like? Because they might
Speaker 2: have a lot more personal experience than obviously we do.
Speaker 2: But yeah, I think that threat, which I'll post today
Speaker 2: in the Facebook group, that could be really helpful to
Speaker 2: get some like just tips, some tricks and inspiration. And
Speaker 2: even if there isn't you know, a comment in there
Speaker 2: that you're like, oh, I definitely can do that. Look
Speaker 2: at that little community you've just tapped into so that
Speaker 2: you don't feel as alone in this. It might be
Speaker 2: a whole hey for people being like, girl, we get it.
Speaker 2: And I know that always makes me feel better about
Speaker 2: things too. Yeah, one hundred percent. All right, let's move on.
Speaker 2: This week, we have another Spicy DM which honestly, this
Speaker 2: is becoming a very very close to my heart segment
Speaker 2: because I love the gossip. Yeah, I love the drama.
Speaker 2: I don't want to be involved, like I want to
Speaker 2: hear about the gossip. I want to hear about the drama,
Speaker 2: and then I want to be like nice and.
Speaker 4: Walk off like yeah, I just I good night sleep.
Speaker 2: Yeah, I want to have a good night sleep. I
Speaker 2: don't want to create drama. I don't need beef with anybody,
Speaker 2: but like I'm a heir yours? Okay, all right, here
Speaker 2: is the DM that we got this week. High she's
Speaker 2: on the money. I have a money dilemma. A family
Speaker 2: member offered to buy me present okay, and suggested something
Speaker 2: I don't really need. I thanked them, but told them, look,
Speaker 2: I didn't really need that, but suggested something of similar
Speaker 2: value that I would prefer and use, but also I
Speaker 2: don't really need it. The family member then told me
Speaker 2: to just go and buy whatever I want and they
Speaker 2: just reimburse me. I don't actually have the spare cash
Speaker 2: to buy that in my budget right now, so I
Speaker 2: suggested that they buy me a gift card instead, and
Speaker 2: they said no. My issue is that this person sometimes
Speaker 2: doesn't pay me back straight away. Sometimes they wait like
Speaker 2: two weeks to pay me back. I'm really grateful that
Speaker 2: they want to get me a gift, but I don't
Speaker 2: need this present and it would take a significant chunk
Speaker 2: out of my budget for the week. I don't know
Speaker 2: what to do. I'm grateful that they want to get
Speaker 2: me a gift, but I also don't want to pay
Speaker 2: for it. That affects my budget, especially for something that
Speaker 2: I really don't need. Guys, what should I be doing
Speaker 2: such a weird situation. Hey, I'm going to buy you
Speaker 2: a present. Can you buy you the present?
Speaker 5: I don't.
Speaker 4: Yeah, I mean I do kind of get it. Like
Speaker 4: I've had people in the past who have been like,
Speaker 4: you buy it and I will just pay for it
Speaker 4: after so that you can get what you want to get,
Speaker 4: which I do like the age to send you a link. Yeah, exactly.
Speaker 4: I think in this situation, if you can't afford to
Speaker 4: wait until they pay you back, I wouldn't risk it.
Speaker 4: I know it's nice getting a present, but it's also
Speaker 4: like it's funny because I advice usually is communication, Just communicate,
Speaker 4: Just communicate, but it easier said than done. But I
Speaker 4: would say, just communication.
Speaker 2: Wow, you're really diverse in these responses over the last
Speaker 2: few weeks.
Speaker 6: Thank you.
Speaker 4: I'm very worldly, but I would yeah, definitely mention that
Speaker 4: and if it's something that you know, maybe they're not
Speaker 4: even thinking about that when they're suggesting you buy that
Speaker 4: yourself and then I'll pay you back. But if they
Speaker 4: knew that you were strapped, then maybe they'd offer to
Speaker 4: come with you or I don't know, but yeah, this
Speaker 4: is a very interesting lemmark.
Speaker 5: Yeah, the refusal to give them a gift card is
Speaker 5: what's weird to me. Like, I can understand if they
Speaker 5: maybe didn't want to give you the cash or whatever,
Speaker 5: but to me, the gift card was kind of like
Speaker 5: the middle ground option.
Speaker 2: Yeah, it feels so awkward.
Speaker 5: Yeah, the only thing that I can say is maybe
Speaker 5: they are also type for cash, in which case.
Speaker 2: Why are we buying this present? Well, yeah, woy me
Speaker 2: buy me this present?
Speaker 5: Or I guess for our listener, you could say, oh,
Speaker 5: like I understand if maybe why don't we go in
Speaker 5: a couple of weeks or something like that. The fact
Speaker 5: that they don't always pay them back is a point
Speaker 5: of concern for me, because what if our listener went
Speaker 5: and bought the present and the person never paid them back,
Speaker 5: and so they've bought this present that they can't afford,
Speaker 5: that they didn't necessarily entirely need on the premise that
Speaker 5: this person wanted to give it to them, but then
Speaker 5: they don't give them the money. It just is a
Speaker 5: bit of it.
Speaker 2: It's much more complicated than it needs to be.
Speaker 5: I think either you know, as you say, kind of
Speaker 5: communicate with the friend and say, oh, like I actually
Speaker 5: like can't really do that, you know, not in the
Speaker 5: place financially to go out and buy it. Would love
Speaker 5: to go out with you and get it together and
Speaker 5: make a day of it. And you know, if they
Speaker 5: kind of are avoidant, maybe go, oh, if you're not
Speaker 5: in the position right now, we can put it on ice,
Speaker 5: you don't have to get me a gift, or we
Speaker 5: can do it in a few weeks or something like that.
Speaker 5: But it just sounds like it's more complicated than it
Speaker 5: needs to be to me totally.
Speaker 4: Maybe the person already like was gifted that gift that
Speaker 4: they suggest because or like maybe they found it on
Speaker 4: special or something, because she's like all the whoever already
Speaker 4: in was like I found something of similar value, which
Speaker 4: I think is very respectful to suggest something in the
Speaker 4: same But maybe initially the person offering the gift was like, oh,
Speaker 4: this is so much cheaper than the r RP.
Speaker 5: Like they offered to buy recommended retail price. Oh, thank you,
Speaker 5: but they offered to buy a present. They didn't gift
Speaker 5: you a present that you didn't need. Yes, in which
Speaker 5: case if they already had it, Like this is just me,
Speaker 5: But I'm so good at cludo, so it's not.
Speaker 4: That's true.
Speaker 2: That a lot of sense.
Speaker 4: Okay, I think one, Oh.
Speaker 2: My gosh, thank you so much, Beck. I wish I
Speaker 2: could do that. I don't have the cash in my account.
Speaker 2: End of story. Like I literally like I just don't
Speaker 2: have the cash in my account for that at the moment.
Speaker 2: Like that's all good, Like we can do it another time,
Speaker 2: or like let's just put this, you're right, let's put
Speaker 2: it on an ice or whatever we want to talk about.
Speaker 2: But I just feel so uncomfored I feel uncomfortable about
Speaker 2: being given gifts are the best of times, but then
Speaker 2: the ey that I have to negotiate getting the gift,
Speaker 2: I'd be like I just I would run away and
Speaker 2: be like I don't want that. No, thank you, Beck, Yeah,
Speaker 2: thank you so much. I find it, yeah really awkward.
Speaker 2: But again, I think your response is perfect. We do
Speaker 2: need to communicate and just be like, hey, Like, I mean,
Speaker 2: I probably wouldn't bring up the fact that they haven't
Speaker 2: paid back things promptly, because you don't need to start
Speaker 2: an argument or make them feel bad when they're trying
Speaker 2: to do a really nice thing for you. But I'd
Speaker 2: literally be like, oh my god, I wish I could
Speaker 2: go and get that right now. I'm so excited about it,
Speaker 2: but I just don't have the cash in my account.
Speaker 2: I've got so much stuff coming up this month. You know,
Speaker 2: maybe we can just do it another time, and your
Speaker 2: friend is probably going to be like, oh my god, no,
Speaker 2: let me sort it out then, and that would make
Speaker 2: sense totally the community, and I feel like I do
Speaker 2: want their responses now, so we ask them, would you
Speaker 2: still want a present if you had to pay for
Speaker 2: it yourself and be reimbursed at a later date. Fourteen
Speaker 2: percent of you said yeah, of course, I love presents,
Speaker 2: But eighty six percent of you said nah, I wouldn't
Speaker 2: want to spend my own money. Yes, at least we're
Speaker 2: on the same ages them. We then asked, do you
Speaker 2: think this family member is being inconsiderate telling them to
Speaker 2: get the present themselves? Eighty one percent said yeah, definitely,
Speaker 2: and nineteen percent of you said no, I prefer this
Speaker 2: because I can then get what I want. I agree,
Speaker 2: but I told you what I wanted.
Speaker 4: Yeah, exactly.
Speaker 2: That makes me feel entitled. I hate it. I hate
Speaker 2: this whole concept you're giving issue, Like, just don't get
Speaker 2: me a present. It's all good, like high five me
Speaker 2: or something and then we can go away. We also said,
Speaker 2: have you ever told someone you would prefer to not
Speaker 2: receive their gift as you just don't need it. Seventy
Speaker 2: two percent said yeah, honesty is always best, and twenty
Speaker 2: eight percent of you said no, that sounds ungrateful. I
Speaker 2: think it's situational. I think if someone had said to me, oh,
Speaker 2: i've been thinking, I think I want to buy you,
Speaker 2: you know, a new pen, and I go, oh, thank
Speaker 2: you so much. Actually have six million pens, so don't
Speaker 2: waste your money. I wouldn't personally be asking for a
Speaker 2: different I just be like, oh my gosh, beck, that's
Speaker 2: so nice, but I actually already have that, or I
Speaker 2: actually don't need that or something, because like I'm so
Speaker 2: non confrontational. I just be like, but if you buy
Speaker 2: me something and I don't like it, I'm not going
Speaker 2: to tell you I'm sorry. Yeah, it's just who I am. Like,
Speaker 2: I know that's not the best money decision. I don't
Speaker 2: even care if you gave it to me, I'll be like, beck,
Speaker 2: I love pens. Thank you so much. This is the
Speaker 2: best because my belief on presence is that presents are
Speaker 2: not actually about the item. They're about the thought and
Speaker 2: the feeling. And you delivered that to me.
Speaker 5: Right.
Speaker 2: You gave me the pen, and you felt gratified that
Speaker 2: you got me a present that I liked. I felt
Speaker 2: thought about and heard, and I felt like you really
Speaker 2: cared about me. I'm probably going to regift the pen, Yeah,
Speaker 2: because the presence served its purpose. Yes, because ultimately a
Speaker 2: present isn't about the item. It's actually about the thought
Speaker 2: and the feeling and the exchange of a gift.
Speaker 6: Right.
Speaker 2: Yeah, But to me it sounded like the family member.
Speaker 2: It said, Hey, I want to get this thing.
Speaker 5: What do you think? In which case I think it's
Speaker 5: pretty reasonable to say, Oh, that's why i'd say no,
Speaker 5: because you haven't got it yet. Yeah, so there's no
Speaker 5: financial implication there. But yes, if you gave it to
Speaker 5: me because you're already bored.
Speaker 4: It, I love it.
Speaker 2: It's the best thing I've ever got. You bought me
Speaker 2: a ferbie. I love furbies. Yeah, creepy, creepy, but you
Speaker 2: know what I mean. Anyway. We then said, all right,
Speaker 2: if you said yes, so you told somebody that you'd
Speaker 2: prefer to not receive their gift. How did they react?
Speaker 2: You guys said, some of my family members respected it.
Speaker 2: Others bought me practical gifts that I still didn't need.
Speaker 2: They kept persisting, saying no, no, no, you'll love it,
Speaker 2: you really need it. Yes, so awkward. Someone said they
Speaker 2: were really defensive at first, however, felt better after they
Speaker 2: bought the items I really wanted. Someone said, if the
Speaker 2: family member can't be bothered buying it, they should just
Speaker 2: transfer them the money so that they can.
Speaker 6: Yes, good call.
Speaker 4: I didn't even think about that.
Speaker 2: Like, hey, I told you what I wanted, you can
Speaker 2: go get that, and then if you don't want to
Speaker 2: go get that, you could just give me the cash
Speaker 2: to go get that. Yeah, that's a good point.
Speaker 5: No reimbursement, Like, you just send me the money and
Speaker 5: then I'd do it.
Speaker 2: Yeah, good call. Some others said they were really happy
Speaker 2: that they didn't need to spend the money. They thought
Speaker 2: it would be thoughtful but when I said, don't worry,
Speaker 2: they were actually ilated. They asked for a link to
Speaker 2: buy the specific gift that I actually wanted, so that
Speaker 2: I knew I was getting something that I loved and
Speaker 2: they felt better about that that way. Someone said it
Speaker 2: was my sister and she was kind of expecting it.
Speaker 2: I said, I just didn't want her to waste her
Speaker 2: money on something I wouldn't use, and she was fine
Speaker 2: with it. And then someone else said, they agreed, and
Speaker 2: we keep just giving gift cards. So honestly it feels
Speaker 2: a bit pointless. Yeah, like the going back and forth,
Speaker 2: like hey, Beck, it's your birthday. I'll give you a
Speaker 2: gift card, and then you give me a gift card
Speaker 2: like yeah, yeah, I see you a magic out a
Speaker 2: little bit.
Speaker 4: Yeah.
Speaker 2: So then we said, have you got any other thoughts?
Speaker 2: Give us your two cents and they said that family, remember,
Speaker 2: I feel like is gaslighting them.
Speaker 5: Yeah.
Speaker 2: Someone else said, that's not the essence of a gift.
Speaker 2: The best gifts are thoughtful, unprovoked, and meaningful. Someone said,
Speaker 2: I wouldn't say it's ungrateful on their part, but it's
Speaker 2: inconsiderate of the other party for sure. Someone else said,
Speaker 2: ask her to organize and pay for a lunch or
Speaker 2: an experience together, so you get a positive experience together
Speaker 2: and you don't even have to talk about the item.
Speaker 2: Someone then said, nothing wrong with being conscious of what
Speaker 2: you consume, and then someone else, I'll give you two
Speaker 2: more beck hold on to your horses, said my kids'
Speaker 2: school friends. I will just give a receipt in the
Speaker 2: card so that they can swap it if they don't
Speaker 2: like it, and we don't even have to talk about it.
Speaker 2: And then someone else said, I just think they're being
Speaker 2: a titles and I was like, you know what, each
Speaker 2: to their own a range of responses. I feel like
Speaker 2: it's diverse, it's different. You're never going to win. And
Speaker 2: I feel like different people like have different love languages,
Speaker 2: and like I'm very aware of that. I think that
Speaker 2: if somebody was really about gift giving and approached me
Speaker 2: and said, I really want to get you this Loki,
Speaker 2: I know how much time, energy and effort they're like
Speaker 2: put into that thought. So I'm probably going to consent
Speaker 2: to it even if it's not right. Should I speak up? Yeah? Probably?
Speaker 2: But am I going to? Ye're probably not. Let's be honest.
Speaker 2: Let's be honest.
Speaker 5: That's so fair in shocking news back, suggestion of communication
Speaker 5: once again the expedience.
Speaker 2: We'll see what happens next week. Responses are all right, guys.
Speaker 2: I think that is more than enough for this week.
Speaker 2: I hope you all have a really beautiful weekend and
Speaker 2: we'll see you guess what I'm gonna say right nearly
Speaker 2: for a money diaries, have a good weekend, guys.
Speaker 4: Bye bye, guys.
Speaker 3: By the advice shared on She's on the Money is
Speaker 3: general in nature and does not consider your individual circumstances.
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Speaker 3: should not be relied upon to make an investment or
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